CASTLEGAR NEWS, Thursday, March 16, 1978 Regular Sum ‘With no S s Attached’ BO fring : Allowances: Teaching Your Child About Money By GRACE W. WEINSTEIN {The author has written two books about children and money: Children and Money: A Guide for Parents (Charter- house, 1975; Schocken, 1976) and Money of Your Own (E. P, Dutton, 1977). Children and Money was honored by an award from the American Psy- chological Foundation.) EIGHT-YEAR-OLD JOHN- ny pesters for a tape recorder: “Everyone in my class has one.” Bighteen-year-old_ Rick. “must have" a car; “How else can I get around without looking like a kid?" ! Do Johnny's parents buy a tape recorder on the spot? Asa birthday gift? At all? If they think a tape recorder is in- appropriate for an eight-year- old, should Johnny's grand- parents give him one? Such questions would have sounded like science fiction to our parents, Rising aspirations fueled by a steadily rising standard of living have com- bined, despite current unem- ployment statistics and infla- tion, in a new and awesome climate of materialism. TODAY'S YOUNG PEO- ple seem to have everything. Why not? They spend inces- santly, to the tune of $28.2 billion in the United States alone’ in 1975. Plateau Water Wells and Explorations P.O. Box 1717 GRAND FORKS, B.C, 442-3300 442-2226 YEnquire about our winter’ @ drilling rates. In effect until March 31, 1978. “How can I teach my kids the value of a dollar," one mid- western father plaintively asks, “when they have everything they could possibly want, and they've never had to work for any of it?” i It ts possible, despite this father's justifiable concern, to teach young people the value of a dollar. It is possible, more- over, to teach them a healthy respect for mnuney, a8 the useful tool it is, without teaching them to worship the almighty dollar. It is possible even when parents themselves are occa- sionally inconsistent about. money. ‘Tie most important single learning tool where money is concerned is an allowance, a regular sum given at regular intervals with no strings at- tached, “What?" an outraged par- ent shrieks, “just give them money? I have to work for what I get. Children should learn about the real world by work- ing for what they get.” TRUE ENOUGH. WORK- ing for pay teaches very real lessons about money. But young children, in the years when attitudes toward money are taking root, can’t go out and get paying jobs, Nonetheless, they need to’ learn about money. They need to learn what. money is and what it can do. They also need to learn what it cannot do. The only way to learn these lessons is to learn by doing, to learn through personal experience. And the only way children can do that, while they are young, is with an allowance, Childcen have to learn, first, that “money doesn't grow on trees,” that there are limited amounts available to spend and Add o Touch soon. ob Wanuth to Your Howe . . . Sam has a marvelous selection of lovely plants to brighten and warm your home, which are much easier to care for than you'ld think, So, come on in to Sam's, Now Available! * Cucumber * Tropical Plants * Potted House Plants « Azaleas * Don’t forget Sam’s Floral Service. Beautiful spring arrangements to treat yourself to, or give to a close friend. Open seven days a week. Come and check our Surprise Specials Saturday & Sunday. Hothouse * Tomato Piants (self-pollinated) Sam’s is your Easter |. comes along. that, therefore, decisions have to be made so that those limited amounts are spent wisely. “I WAS BETTER OFF when I didn't get an allowance,” says 11-year-old Nancy. “I could always get some money from my father if I waited until he was in a good mood. Now I get $2 a week, and I have to decide whether I want to go bowling or go to the movies, I can’t do both." She ma; find this decision- making a nuisance but, in the long run, she is better off for the experience, And so, oddly enough, are her parents. Parents who keep track frequently find that they dis- pense less money with an allowance than with a “beg today and again tomorrow" routine. They also avoid having There is no longer any such animal as a five-cent candy bar ‘or a 16-cent comic book, Even bubble gum has doubled. in price in recent years. Most children, at every age and in every income ‘bracket, devote'a large proportion of their funds to snack foods. Other favorites include maga- zines, toys and movies. AN ALLOWANCE THAT is too large is not a learning tool; if a child can buy cvery- thing that strikes his fancy, there is no decision-making involved. And an allowance that. {s too small is not a learning tool either; it is only a source of frustration. How do you strike that happy balance, decide on the tight amount? Do it in confer- ence with the child! it’s Your Money recreational activities, and should be able to budget funds over a longer period of time. A monthly, or even quar- terly, allowance that includes both fixed responsibilities and discretionary sums provides the high schoo! student with real training for the real world. The lines should be clearly drawn. Children need to know what the allowance must cover, But the allowance, as a learning too}, should not have emotional strings attached. It should not see, giving money with. one hand and taking it away with the other, WHAT IS A RAINY DAY anyway? For adults, it's any occasion that calls for larger gums of money than we ordi- narily have on hand. We can anticipate many such occasions, both long range (college funds, retirement savings) and short (a new car, next ‘summer's vacation). But children, young chil- don’t, dren 0: be withheld as punish or used as a bribe,” IT’S NOT EASY, AS AL- most every parent can testify, to hand out pocket money to a child who's just heen rude to his mother, or who keeps “forget- ting” his chores, But a mane- ‘tary fine in such cases, while it rainy days. Until they have-a reason to save, they will see no virtue init, | The way to encourage saving, then, is to show the reason: Point out, that some desired item—a special toy, for instance, or a pair of skates— can be within reach if the child puts aside part of his allowance on a regular basis. Tie saving to a specific desire, in other words, rather than identifying it as a goal in itself. Then, when children do have a specific goal and are working toward it, parents and grandparents may provide en- couragement, if they wish, by helping out, ADOLESCENTS CAN BE to play Solomon and judge the wisdom of each request, there- by avoiding considerable emo- tional wear and tear. The lessons, in money management and in respon- sibility, can start early. In first or second grade, when children start to be tempted by candy stores passed on the way to school or by an ice cream truck parked in the schoolyard, par- ents can start a small allowance Ask your youngsters just what they plan to do with their money and how much they think they need. You will probably be surprised. “I thought Jamie would ask for the moon,” an Oregon mother recalls, “but he was very conservative. He even said he would spend less on his friends’ birthday presents than I had been.” Children do tend to be on.a weekly or twi KI: basis. a The point must be made, however: this is an allowance and, as such, must last the specified time. There will be no supplements. If you buy ice cream today, you can't buy baseball cards tomorrow. AN ALLOWANCE IS AN effective learning tool only when it functions as a built-in budget; the child must know that when the money is gone there will be no more. Some children learn. thi right away and get through the week with case. Others,4like some adults, spend their money immediately and are strapped for funds until the next payday If the concept of allowance as a learning tool is to work, if the child is not to grow into an - adult who spends: incessantly | and without control, then par- ents (and grandparents) should not make a habit of bailing Gift-Giving Headquarters | children out. They won't ever learn to make money last or to make wise spending decisions if they know they can always come back for more. Do be realistic, however. ry ; y e : y SAM'S Nursery & Fons Has it All! Whatever home Improvement Project you have assigned your- self this winter, Quality Buliding Products can assist In many ways. From supplying tools and materials . . . to special advice. Quality can help you do it alll © Hand Tools © Power Tools © Cabinets © Fireplaces © Paint © Doors © Insulation © Paneling” © Plywood © All Kinds of Wood, tive, when they have to justify their ex- penditures, In any event, what- ever the amount decided upon, in conference, it is not irrevo- eably fixed. . WHATEVER THE AL- lowance and whatever pre- allocated expenditures it in- cludes—birthday presents, lunch money, bus fare—it should also include some purely discretionary funds, the “bub- ble gum” money with which the child will make decisions, Whatever the amount, be ‘consistent. If you decide ona .”, particular sum to be given on’a particular day, give that some on that day. The basis of businesslike money manage- ment is having a reliable source of funds, Sooner or later young people will handle large sums of money. Early experience in handling small sums, in making an occasional mistake and learning from it while under the parental wing, will preclude major mistakes in later years when youngsters must sink or swim alone. Experience in the market- ‘place, too, makes youngsters more aware of value, more aware of what they're asking for when they plead for a tape recorder or an automobile. ~ WHAT THIS MEANS IS a hands-off policy on the part of the parents. Dispense the al- lowance, grit your teeth, and stand back. Let the child make mistakes, Let the seven-year-old learn through personal experi- ence that poorly made toys are a waste of money. Let the 13- year-old find out that laundry instructions are not a form of decoration. Lessons learned through lectures need endless repeti-, tion. Lessons learned through personal experience Seldom need to be repeated. “They didn't need to take my clothing allowance away,” says a tearful youngster. "I was. so mad when that sweater shrunk and I realized I wasted my money, I wouldn't have done it again.” Nortintervention doesn't mean nonsupervision. Don't refrain from stepping in when family values are at stake—it remains a parental responsi- bility to safeguard health and morals—but don't ride herd over every purchase. THE THIRD-GRADER may have a small weekly allowance that covers Scout dues’ as well as an occasional after-school treat, The teenager should be able to pay for school supplies and some clothing, as may make parents feel better, has little to do with the offense. It only mixes money up with emotional values as -an angry. parent, depriving the child of: money, seems to deprive him of love as well. It's far better, as Gilbert and Sullivan would have it, “to make. the punishment fit ‘the crime”. A child who has been rude must apologize. A child who hasn’t washed the dishes can't go out to play until the job is done, ~ , A child who does wash the dishes isn't necessarily more entitled to an allowance than one who doesn't. While many parents tie the allowance to the performance of houschold chores, or the assumption that it's more like the real world of. work, it's generally a better idea to separate the two. The allowance is a learning tool, given so that the child learns how to handle money. . The chores are a part of family. ver: about finding jobs when their own interests are at stake. They also seem to care more about the things they've purchased themselves, a principle that can apply to college as well as to clothing. The parent who notes that . Chris takes very good care of his jeans now that he buys them himself has also realized that Chris will have a personal stake in the college education he works to secure. It’s a difficult line to draw. Young people should not be forced to put every penny of their earnings into savings for the future while Mom and Dad support them in the present. That doesn’t make much sense. But neither does it make sense for youngsters to indulge themselves while their parents scrimp and save. We certainly don't want to deprive our children. But it can be another form of deprivation to give them everything, a deprivation of appreciation, by, all. family members so that the household runs smoothly, ONE FATHER PAID HIS teenage son to clean out the garage; another paid his 10- year-old daughter to paint an iron porch railing. In both cases, unlike household respon- sibilities, it was a business arrangement: the youngster was offered the job for pay and had the right to refuse, When ‘children start to earn money, whether at home or away, the question of saving rears its head. Sometimes it comes up earlier, as conscien- tious parents urge children to save a portion of their. weekly stipend. Thrift, of course, is a virtue. But it’s a virtue appre- ciated with maturity. When we force young children to put money aside fora rainy day, we are actually, as far as they can things more when we've work- ed, or at least waited, to make them ours, Where children are con- cerned, a balance has to be drawn. Most eight-year-olds are too young to have a tape secorder. But if Johnny is mature enough to handle the machine, if his interest is real: enough so that he will actually use it and not put it aside within the week to go on to something else, then perhaps, if parents or grandparents choose he can have it for a special birthday present on the under- standing that he will buy the cassettes he will need. ANOTHER POSSIBILITY (and a way of ascertaining solid interest) is through matching funds. Johnny's parents or grandparents can promise to match any money he saves toward the machine. MUTTAR MANUFACTURED He ‘OM: ‘ES eee : T we.seem to. enjoy. | MACLEODS Invites you to take part In our city’s Gata Celebration of i the coming of Spring... Bonanza 5 This Isa three-day event which runs today, tomorrow and Saturday. Don't mise Itt And don't miss ; {Enter Your Name’... Any purchase at MacLeods entitles you to enter our Bonanza Days’ Draw. You could win Pullman Luggage Value: $62.95 Your entry also makes you eligible for the D 8 '8 $300 Cash Grand Prize. = So, come in soon! {Truck Mirrors extendable type. Ideal for campers. $] 549 , Reg. $20.49 Super X .22 Shells Long rifle size. Box of 50. Reg. $1.75 Good Assortment of meet Cotton & ‘Polyester Remnants in 4 to 10-yd. lengths Rose Bushes No. 1 Grade. Crest e = Marine Paint High-Grade Oi} Base. Quarts Only. Less.. Luggage McBrine — Ladies or Men's Pullman case. Reg. $62.95. ens *YeS YOu Cano. SAVE MONEY (AND LOTS OF IT) *yes you cans SAVE AND BUILD THE MUTTART WAY "yes you can--- AT NO OBLIGATION RECEIVE OUR 1978 BROCHURE BY SIMPLY MAILING THE COUPON *yeS you can-. BUILD YOUR OWN MUTTART HOME MUTTART MANUFACTURED HOMES... CN & Bedding & Towel Sets ® Special Low Prices! Men’s Work Boots | Hi-top Sierra Tan. Sizes 7-11. Save $5. 99 | eg. $20.09.. badusulicesese’ | @ ® Charge it with your MocLeods Account Card! i © Watch for our Flyer ia your niall E a It Is 7:10 a.m. already exc over ‘and Trall hes a who drive them, and written exam. regulations. Var wiped out by highway mit myself and should ri means alone In my disregard for the law. | watch a vehicle, two cars back In the li The driver of the tallgater makes a couple of Perhaps | am more than tam married to the widow of a highway fatality. My best friend, also, ‘was killed on the highway. The best friend of my brother was killed on the highway. Last week | was a member of a Coro been killed by the automobile than al one killer of peopte between 18 and 2: One Man's Opinion A Crying Shame - ’ By FRED MERRIMAN ‘The road Is clear and the sun shines brightly on a new day in the beautiful West Kootenay. My Volkswagen hums along at near 400 kmh and i : because my rear view tells me that | am holding up traffic on this fine day. The speed lImit on the highway. between Castlegar and Trail Is G0 kmh. | have led that Il ghtly be charged. But | am not by any Here are some solid suggestions from one who admits Raise the minimum driving age to 18. Raise the standards requi Glve_tha highway patrol officers the teeth and support to enforce driving Forfeit any insurance claims where occupants of automobiles are not wearing seat betts at the time of the accident. im angry because | think it is a crying i) t is all so odd: Your chances are 50-50 that you will not make It on according to statistics. In my opinion, those suggestions would favorably Increase the Here's to the police who just get to pick up the pleces. ee {algste the car immediately Bening mer) attempts to pass, but the closi 8 8 Of kmh seem to dissuade him for the time being. ee ree Question: Where the blank are t! the other guy, I'm comin’ through?" ¥. I checked with the Trail detachment and they said the highway between Castlegar high fatality rate and yet It Is considered a first-class roadway. , Prejudiced about drivers In general because: . he RCMP while people are playing ''to blank with iner's Jury regarding a fatal traffic accident. According to a spokesman from the Vancouver Police Department more people have I] the wars of man’s recorded history. The number 5 is the automobite. Or more accurately, the people red to pass the Class 5 drivers licence road test, physical shame that so many good people have tobe ys your next road trip to the coast, suddenly my day Is spoiled that he Is prejudiced: No More Paper Polemics CASTLEGAR NEWS, Thursday, March 16, 1978 In fact, rather. than Cashiered Public Servant Taking Ministry to Court Bill Ozard, who lasted just 90 minutes at his travel in- dustry ministry job before he was told he was fired, has taken his fight with the provincial government to the British Columbia Supreme Court. Ozard filed a writ of sum- mons last Wednesday asking for the court to rule whether he is still employed by the minis- try, and if it rules he is, he wants his salary from Feb. 16, the day he started his job as travel marketing supervisor. If the court will not rule on that matter or finds that he.is not employed, he wants dam- ages for wrongful dismissal. Ozard reported for work Feb. 16 but was told less than two hours later that the job had * been withdrawn because of concern on the part of ministry officials over an advertisement. he had placed in Victoria news- papers. He said he felt so grate- ful in returning to his home- town and getting the job that he wanted to thank everyone concerned, and used the ad to do so, Among those he thanked Service Offers Info on VD. More than 20,000 persons in British Columbia have used a special venereal disease tele- phone information service since it was established four months ago, says Health Minister Bob’ McClelland, ‘The serviis involves a toll-free telephone number * available to persons outside Vancouver, and an answering system located in the Health. | Ministry's building at 828 West 10th Avenue, Vancouver. “The telephone informa- tion system went into effect in conjunction with an advertising campaign,” said McClelland. “The public response indicates it wasa very successful venture and it appears more persons are seeking early treatment of venereal disease symptoms than ever before.” The answering service was installed in September, 1977, with recorded messages pro- viding information on symp- toms of the six most common sexually transmitted. diseases, One message, used during office hours, concludes by ad- vising the caller to stay on the line if he or she wishes more information. This is then pro- vided by a staff member at the Ministry's venereal disease clinic on West 10th Avenue. The second message, which is used during evenings, ends by advising the caller to contact his or her local health unit for more information. ‘. The toll-free number is Zenith 4014, which can be used by any person outside Greater were Travel Industry Minister Grace McCarthy and other high-ranking Social Credit par- ty members. * Ozard and his lawyer, Scott Marshall, said last Wed- nesday that once a position is accepted it can’t be withdrawn --—-—— Your » Make M spe Jim, Linda and Gary Invite you to participate In Bonanza Days. While you're joying the festivities, drop In to Furniture Village and take advantage. eh mnertting downtown en} so Ozard is still employed by the ministry. - Acting on that premise, he turned up last. week at the travel ministry office asking for his February paycheque but was told he wouldn't be getting one. 3 yome cial eyo come 8 Editor, Castlegar News: In recent press releases from ‘the Secretariat of the Doukhobor 8: Thave 70's and possessing the gift of a rather good memory, my sole purpose in .attending these was because I had Dankh, OF to pass on felt it my di what the Sons of Freedom, at these symposiums, : Thad asked the secretariat to rectify this in further re- leases but this did not happen. 3 " T had lived through and wit. nessed, ‘This I had tried to do with the utmost objectivity of the verifiable historic reality. Dur- heck the situation, they made it worse, i As en elderly man in my - Most of A Little Almost all of us aro a little lopsided. Nature hasn't: made the body perfectly symmetri- cal. oe The greatest discrepancy .is in length of legs, says Dr. Steven Subotnick of the Cali- fornia College of Podiatric Medicine, San Francisco, Stu- dies indicate that about 93 per cent-of the public have some degree of tilt, ” ~If thé difference is a half-inch or less, people usually are not aware of it, Subotnick noted becomes apparent to them whey 4 physician points out a lateral tipping of the pelvis, a drop in a shoulder or a minor degree of spine curvature. , Or a tailor will tell them of a discrepancy in pants legs or a hemline. : “People don’t look for a leg length discrepancy because they tend to accept pain and discomfort,” Subotnick says. “They say their back hurts at work, but so does everyone else's, Their feet hurt at the end of the day but everyone's feet hurt. I really don’t believe of our Bonanza Bonuses. You'll be glad you did.’ in an interview, It_ 49-—-- —__ ing ore yp ing by the symposium com- mittee of reports prior to their presentation, one of my reports Us-Are . Lopsided you are supposed to have back pain, Much of it could be eliminated if attention were paid to a short leg.” In some cases, the leg is not short but one of the feet is flat, causing the length assy- metry. hee Canned Heat Units Can Be Dangerous Canned heat units are used extensively, in hotels and res- taurants, and by private indi- viduals in homes and on camp- ing vacations. All too. often, they are used to heat, cook, or keep warm foods or drink in a closed tent or other poorly ventilated area. A case of acute carbon monoxide poisoning has been reported in a university cafe- teria where a chafing dish, was heated with three heat cans and surrounded by aluminum foil, causing poor oxygenation of the flame area. A dangerously high con- q ... With help from Furniture Village during Beuanga Bows Days! AERO TAXI . Fast — Courteous — Reliable Phone 365-5700 dealing with the burning of all the schools in the Doukhobor districts in one night, was returned to me as “unaccept- able”. All these kinds of things together have made my atten- dance at these symposiums intolerable and unwise, 1 have no intentions of being used to further someone else's designs or in any way become involved in the paper-polemics of the two sides, | Besides this, at the last symposium I attended, John J, Verigin proclaimed that “we must forget about the past— but be concerned about the future..." and here I feel that the usefulness of my memory has perhaps somewhat expired. I wish neither side {ll-will and categorically state that I had represented absolutely no one but myself personally and sincerely hope this sets the record straight.” Nick K. Novol We at Austin Painting 5 & Drywall have changed our name to Aurora Drywaii Contracting Ltd. Look for us operating under our new name. .. . it's the only thing that’s changed. 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