"Why does your dog need a psychiatrist?"

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1. They provide a cushion against unexpected financialdisasters.

Once you have wiped out MasterCard A, it's time to tackle thenext one--andhere's the magic trick. Take the $400 a month that were spending onpayingdown MasterCard A--and now apply it to the other credit card with a$5000balance. You were already putting out $200 a month on that credit cardbill, so it will shrink away a lot faster than MasterCard A.

"Why, I would be overjoyed to give you a 10% raise! Anythingfor my loyal employees!"

3. They are a staging area to bigger forms of wealth--likehouses.

Justin Tuck recently joined the Oakland Raiders defense and is quickly becoming the face of a reemerging organization. Tuck was formerly the leader and Captain of the Giants’ defense for nine years. He helped propel the Giants to two Super Bowl victories and is a two-time Pro Bowl selection.

2. They gather interest (pitiful as interest rates are rightnow, it'sbetter than 0%).

There is a scholarship for almost anything you can imagine. Whether you'rea or have , have a passion for thinking ""or love to , chances are there is at least one scholarship out there that you're eligible for. Make a list of your personal, unique attributes, and investigate the major organizations, local groups, and private corporations that may have educational funding. Cancer societies, for example, offer a large number of for college students with a history of cancer. No matter what you enjoy doing or what makes you stand out, there will be a scholarship to reward you for simply being you.

What resources do you use with elementary-age students to teach financial literacy?

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They are a relatively low cost way to amortize largerpurchases overa 1-3 month period, especially if writing a check would deplete yoursavingsaccount. These should be purchases that are necessary, unusual, andthatyou don't expect to repeat during the time that you are paying for thatpurchase. Good examples: tires; brake job. Bad examples: groceries;mealsout; books. Yes, the interest rate is high, but if you have somethingthatyou truly need, use the credit card to finance it over a short periodoftime. Yes, 18% APR over three months will be about 4.5% that you arepayingfor that purchase. If you can pay cash or check, all the better. But ifpaying by cash or check means that you have $28 left in savings, itmightbe better to pay the interest, and keep your savings account a littlehealthierto cushion any surprises that come along.

Hello Liz. Thank you for all your free lessons.

My daughter is in elementary school. She hates math, but she loves to count her own money! I have used her allowance to help bring basic mathematics alive, including some of the lessons created by the U.S. President's Advisory Council on Financial Capability exhibited on the website . These are 20 essential, age-appropriate financial lessons -- with corresponding activities -- written explicitly for parents. At a time when parents are most involved with their children's lives, this is an ideal resource to engage them about teaching money management skills at home.

Your essay should be formal in content, not informal.

Schools are beginning to partner with organizations and provide , which enlist donors to make contributions to low-income children's college accounts. My dream would be to see these opportunities available for every student. I doubt that matched savings programs in our elementary schools are scalable in the immediate future, but they may be in the years that lie ahead. Research has found that such opportunities lead to improvements in knowledge and attitudes toward money.

Dear can we use obesity for overweight ?

Some people, unfortunately, can't handle a credit card. If youfindyourself (or worse, your spouse) charging stuff like groceries, orconfusing"want" with "need," it might be best for the credit cards to go into adrawer, and stay there until a legitimate need for them arises. If youreally have no self-control, give up the card--but remember that if youhave screwed up badly in the past, getting a new credit card might be alot harder now than it was before.