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The First National Bank of Dad: The Best Way to Teach Kids About Money

por David Owen

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Most parents do more harm than good when they try to teach their children about money. They make saving seem like a punishment, and force their children to view reckless spending as their only rational choice. To most kids, a savings account is just a black hole that swallows birthday checks. David Owen, a New Yorker staff writer and the father of two children, has devised a revolutionary new way to teach kids about money. In The First National Bank of Dad, he explains how he helped his own son and daughter become eager savers and rational spenders. He started by setting up a bank of his own at home and offering his young children an attractively high rate of return on any amount they chose to save. "If you hang on to some of your wealth instead of spending it immediately," he told them, "in a little while, you'll be able to double or even triple your allowance." A few years later, he started his own stock market and money-market fund for them. Most children already have a pretty good idea of how money works, Owen believes; that's why they are seldom interested in punitive savings schemes mandated by their parents. The first step in making children financially responsible, he writes, is to take advantage of human nature rather than ignoring it or futilely trying to change it. "My children are often quite irresponsible with my money, and why shouldn't they be?" he writes. "But they are extremely careful with their own." The First National Bank of Dad also explains how to give children real experience with all kinds of investments, how to foster their charitable instincts, how to make them more helpful around the house, how to set their allowances, and how to help them acquire a sense of value that goes far beyond money. He also describes at length what he feels is the best investment any parent can make for a child -- an idea that will surprise most readers.… (mais)
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Fantástico libro que nos cuenta, entre otras muchas cosas, cómo un padre decidió montar un "banco de papá" para incentivar el ahorro y la responsabilidad financiera de sus hijos. Así, al principio con papeles y luego completamente informatizado en un Excel, el autror creó cuentas para los hijos quye les rendían un 5% mensual. Sí, quién lo pillara, en efecto. Los hijos podían elegir qué hacer con la paga: gastársela, ingresarla en el banco o una combinación de ambas. A lo largo de varios años (hasta que los hijos llegan a la universidad) el autor nos cuenta llas ventajas que le vio al métoido y los ajustes que hubo que ir haciendo por el camino.

Pero este libro trata de muchas cosas más. Con muy buen criterio, en mi opinión, el autor nos habla de la paga semanal, de las tareas domésticas, de si deben tener un trabajo a tiempo parcial los niños para pagarse "sus cosas", de quién debe compara y elegir la ropa...

Y no acaba ahí. Años después de iniciar el Bank of Dad, el autor puso en marcha la Bolsa de Papá, en la que las acciones del mercado financiero cotizaban igual que en tiempo real pero con valores divididos por cien. Una acción de Micrososft de 95$ se podía comprar en la Bolsa de Papá por 95 centavos de dólar. Así los niños podr´ia empezar a observar la mecánica del mercado de valores (y bonos) si n necesidad de sufrir quebrantos en caso de que alguna de las empresas en las que invertían se fuera al garete.

El autror, tras dedicar las primeras cien páginas del libro a la parte relacionada con el banco, divaga un poco y nos habla de muchas cosas mas, todas ellas interesantes. Una lectura entretenida y de la que estoy sacando muchas ideas. ( )
  Remocpi | Apr 22, 2020 |
A very nice book - recommended for all parents with younger kids. Some great ideas about teaching your kids the rudiments of finance and the markets, and also some wise comments about the importance of reading to your children. ( )
  jvgravy | Aug 16, 2012 |
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Most parents do more harm than good when they try to teach their children about money. They make saving seem like a punishment, and force their children to view reckless spending as their only rational choice. To most kids, a savings account is just a black hole that swallows birthday checks. David Owen, a New Yorker staff writer and the father of two children, has devised a revolutionary new way to teach kids about money. In The First National Bank of Dad, he explains how he helped his own son and daughter become eager savers and rational spenders. He started by setting up a bank of his own at home and offering his young children an attractively high rate of return on any amount they chose to save. "If you hang on to some of your wealth instead of spending it immediately," he told them, "in a little while, you'll be able to double or even triple your allowance." A few years later, he started his own stock market and money-market fund for them. Most children already have a pretty good idea of how money works, Owen believes; that's why they are seldom interested in punitive savings schemes mandated by their parents. The first step in making children financially responsible, he writes, is to take advantage of human nature rather than ignoring it or futilely trying to change it. "My children are often quite irresponsible with my money, and why shouldn't they be?" he writes. "But they are extremely careful with their own." The First National Bank of Dad also explains how to give children real experience with all kinds of investments, how to foster their charitable instincts, how to make them more helpful around the house, how to set their allowances, and how to help them acquire a sense of value that goes far beyond money. He also describes at length what he feels is the best investment any parent can make for a child -- an idea that will surprise most readers.

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