A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area.
You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old.
Here are some tips on how you can teach your children how to save money:
1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.
2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.
3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.
4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.
5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.
Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.
Dropouts On The Rise In Los Angeles Schools… Many Blame New Graduation Requirements And An Unprepared Math Teaching Structure For Math
Summary:
In 2003, the Los Angeles schools implemented a new policy of graduation requirements. The intention was to graduate Los Angeles schools students that were better-educated and groomed for college and high-level jobs. Requirements included graduates to pass one year of algebra and one of geometry, or equivalent coursework.
Though the intention was good and the Los Angeles schools policy should work in theory, the reality is giving a much different and more dismal picture. Lo...
Keywords:
los angeles schools, schools, los angeles
Article Body:
In 2003, the Los Angeles schools implemented a new policy of graduation requirements. The intention was to graduate Los Angeles schools students that were better-educated and groomed for college and high-level jobs. Requirements included graduates to pass one year of algebra and one of geometry, or equivalent coursework.
Though the intention was good and the Los Angeles schools policy should work in theory, the reality is giving a much different and more dismal picture. Los Angeles schools students are unprepared to meet the new demands and are failing algebra by the thousands. Coursework that used to differentiate a college-bound student from those planning to attend technical schools or directly enter the workforce, algebra is now the cause of many Los Angeles schools students giving up and dropping out.
According to Los Angeles schools Superintendent Roy Romer, algebra is now the reason for more student dropouts than any other subject. The frustration of consistently failing algebra gives a sense of hopelessness. More and more students are giving up the hope of a high school diploma from the Los Angeles schools as futile. Some have even thought of committing suicide — all because of a mathematics requirement, and it will get worse before it gets better!
In the fall of 2004, 48,000 Los Angeles schools students in the ninth grade took Beginning Algebra. Of this group, 44 percent failed and seven percent received a grade of D, totaling 29,000 Los Angeles schools students either failing or just barely passing. Of those students who repeated the class in the spring, almost three-fourths failed again.
The failures and near failures, especially for students who had to repeat the class, has left many Los Angeles schools students discouraged and teachers frustrated.
One Los Angeles schools algebra teacher said that he failed 90 percent of his students, but seemed to blame the children for the failure. He noted that many students ignored their homework, rarely studied for tests, and often skipped his class. My question is this: Are the students lazy and do not care, as depicted by this teacher — or are they being taught algebra in a manner they cannot understand and have just given up, possibly long before this teacher was assigned to them?
I know from experience that not all mathematics teachers should be teaching math. I took basic mathematics coursework all through school, and then decided to attend college as an adult. This meant that I had to take a lot of extra mathematics classes to catch up to the other students’ skill level. In one class, I absolutely could not understand the instructor or the math he was teaching, which thoroughly confused me. In middle school, my math teacher told me I should have been taking advanced math, because it came so easy to me. Finally, I spoke to the college instructor after class, asking if he could explain it to me differently. His response, “If you can’t get it here, hire a tutor.” Later, in my eighth college math course of Inferential Statistics, I told my professor, who had a Ph.D. in statistics, about the incident. He said that anyone, who cannot explain mathematics at least five different ways, should not be teaching the course at any educational level.
Apparently, Los Angeles Schools Superintendent Romer agrees with my professor. He believes the fault is in the cumulative failure of the ability to teach mathematics adequately in the public school system.
With the increased mathematics requirements, there is a shortage of credentialed teachers in the Los Angeles schools at all levels — meaning that teachers are certified in their subject or had the subject as their major or minor in college. Los Angeles schools high schools have 20 percent of their math teachers who lack these credentials. Even the state has problems with 40 percent of all eighth grade teachers teaching outside of their field of expertise.
Many Los Angeles schools students are beginning algebra who cannot add fractions or convert percentages to decimals, and they do not know their multiplication tables. Algebra teachers cannot provide a review of basic math, since the Los Angeles schools mandate they teach at a rapid pace. Additionally, many students repeating algebra are assigned to the same teachers, from whom they previously did not learn.
Now, the Los Angeles schools have raised the graduation requirements again, before making the prior policy a success. By 2016, Los Angeles schools graduates, who are now in the second grade, will be required to meet the entry requirements for the University of California — whether they plan to attend college or not. This means that the 2016 graduates must pass a third year of advanced mathematics (such as Algebra II) and four years of English.
Knowing simple algebra means the difference between a menial job at near-to-minimum wage and a high-level career. Even blue-collar apprenticeship programs, such as electricians and plumbers, now require higher math skills to calculate needed materials. It is obvious that the skills are needed, so the solution for the Los Angeles schools is not a new policy that is more stringent than the first.
With some algebra being introduced now in kindergarten, the Los Angeles schools from elementary through high school must be equipped to appropriately teach it and motivate students to learn it. The “failure to graduate” threat only produces a higher dropout rate for the Los Angeles schools. The solution is credentialed teachers with a slower teaching pace and remedial math classes for students prior to repeating algebra.