Here are the best jobs for 13 year olds that are available online today.

To get started with these jobs for 13 year olds simply apply to all 6 jobs listed here and you will be making great money in no time at all. These jobs are updated regularly so be sure to check back on a regular basis.
Click Here To Get Started With Number 1 - This is simply the best place you could ever possibly work for online. Not only that, they are also one of the oldest survey companies on the internet ! They have the most surveys out of all of the survey companies, and they are NEVER late with your money so that is why this place has the first spot. Sign up is quick and simple as well.
Click Here To Get Started With Number 2 - Number 2 on this list does not have as many surveys as number 1 but the surveys here pay quite high compared with other sites. (Up to $70) Make sure this is your next one to join and you will be well on your way to earning a decent income online in no time at all.
Click Here To Get Started With Number 3 - This next place is also a must join. By becoming a member here you will get some very valuable help and some free software that helps you do surveys REAL fast ! This enables you to do surveys 3 times faster, almost on auto pilot. You also make money by doing your first survey during the signup process. A little added bonus.
Click Here To Get Started With Number 4 - Here you will find loads of great paying (and very short) product surveys. Most of these surveys are under 10 minutes and pay around $10 each. Once you have joined, the best time to log in and take surveys here is between 6am and 10am as thats when the new surveys appear and once they fill up they are gone.
Click Here To Get Started With Number 5 - Make sure you make your way back to join this one as not only do you make money here, this place hands out loads of prizes when you are doing surveys. (phones,XBOX/PS3 Stuff, ipods etc. So well worth the join. Check it out for yourself and be impressed.
Click Here To Get Started With Number 6 - Finally, this last one is not a survey company, it is more of a free business opportunity for those seeking a little more from the internet other than taking online surveys. It is 100% free and it's just your name and email to join and start earning.
Be sure to sign up for all of these Jobs For 13 Year Olds as this will guarantee you the most work.
INSTRUCTIONS FOR JOINING THESE COMPANIES
1. Make sure you apply to all 6 companies. Some days their might not be many surveys at one particular company but if you have joined all 6 then you are almost gauranteed of work.
2. Seperate email address. When you start taking surveys you can get a lot of emails that contain surveys. To avoid getting surveys mixed up with your regular emails it is always best to set up a seperate gmail or hotmail address.
3. Hard work pays off. Like most things in life the harder you work the greater the rewards and it's no different with these jobs for 13 year olds. The more surveys you do the more they will send you. Many survey takers come and go so they reward those who stick around and work hard.
Showing posts with label children. Show all posts
Showing posts with label children. Show all posts

Sunday, January 2, 2011

4 Dec, millionaire kids, so can become your children, and the tenth millions promote

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Do your kids think money grows on trees?

Do you worry your kids may end up in debt when they grow up?

Do you worry about them living paycheck to paycheck and not saving a dime?

And are you concerned with their spending habits?

If so, you're not alone.

Sadly, most kids don't have a clue how to handle money...and will most likely make costly mistakes...no matter how high their salary is...that will cause them years of struggle and stress.

The First and most important skill you need to teach your kids to be self sufficient is...

Not how to save money...

But How to make their own money.

If they don't learn and practice how to earn money...how will they ever be able to save their own money?

Did You Know That...

The largest group of people filing for bankruptcies today are UNDER The Age Of 25?

The Number One reason couples divorce today is due to money problems and stress?

Or that a large number of young adults today are moving back home to live with Mom and Dad because they're not good with their money?

That's why it's SO important for you to teach your kids how to develop smart money habits.

Kids who master money as a child or teen have a much better chance of beating the odds and becoming a financial success...

Start their own business some day and not end up stuck working at a dead end job because they need the money...or working for a boss they hate.

They'll also have happy, healthy relationships...

And simply have the money and freedom to do whatever they want to do - without worrying about not having enough money.

My name is Sonja Mishek and I'm by no means an expert.

But I do have a BA in Commercial Economics and have been a tax preparer, credit analyst, small business owner, and real estate investor for over 20 some years now.

But more importantly, I'm a proud parent just like you.

And I want the very best for my four kids...Rachel (17), Tony (15), Matthew (13), and Maria (11).

I want my kids to be...

Happy...

Successful...

Well-Educated...

and of course, Financially Secure...

And that's what this website is all about...tips and techniques on how to teach your kids smart money habits so they can become self-made, self-sufficient, successful millionaires.

And generous millionaires besides.

Even if they never make a six-figure doctor's income...and choose to make an average teacher's salary.

So they'll save for their future and not fall into the all-to-common debt trap.

One of the very first...and most important lessons your kids must learn is a strong work ethic and how to make their own money.

Do your kids earn an allowance?

Do you pay them to do extra chores around the house?

Or do they make extra money babysitting or mowing the neighbor's lawn?

If you have a minute, could you please Fill Out a Quick Survey On the Top 10 Reasons Your Kids Want to Make Money?

Allowance is a touchy subject. Many parents don't believe in paying their kids a red cent for doing chores around the house. After all, it's work that needs to be done.

On the other hand, some parents believe that kids "deserve" an allowance for simply being a part of the family.

Personally, I believe that an allowance is not an "inalieable right", simply because my kids are born.

My own kids earn a "conditional allowance." There are certain chores that are expected to be done, simply because they live and make a mess in our home.

Take a peek at my popular Insider's Secrets to raising average broke kids to become future millionaires...Even if they never make a doctor's salary!

It doesn't matter how old your kids are...whether or not they become doctors or engineers...or even how large or how small their starting salary is.

Your kids can become millionaires.

If they practice smart millionaire habits, they can build up a million dollar or more net worth and never have to be stuck working at a dead end job they hate.

Wouldn't it be nice if your kids never had to worry about not having enough money...or living paycheck to paycheck?

If you help your kids start saving, investing, and budgeting their money from a young age, they'll be ahead of 99% of most people.

And they'll have a nice nest egg to use for their education, buy a home, or even start their own business.

Even on an average salary of $44,000.

How Can I Be So Sure?

Because I've done it myself and others have too...teachers, auctioneers, customer service representatives, computer programmers, and many more.

Here's how my own four kids are making an average of $50 dollars a week...

It can be done.

So take a peek around, you'll find all sorts of financial tips and resources about...

How to encourage your kids to share and be generous to help make the world a better place...

51 Job Ideas for 13 year olds or younger to make their own money...

Do your kids love dogs or cats?

Here's how your kids can open up their very own online "I Love Pets" supply store for FREE!

How to teach your kids to save painlessly and automatically...

How to budget their money and live within their means...

And

How to manage their money better than most accountants...

Plus, you'll discover alternative, safe investments you won't hear about on Wall Street for growing your hard eanred money like...

Why now is the BEST time to invest in these rare gold coins...

How you can safely earn 5 to 7% each and every month investing in this "secret unstock market"...

How you can safely invest in real estate for less than $10...even when real estate is tanking!...

Why your kids should open one of these as SOON as they earn a real paycheck...

And lots more advice you won't hear about on the news...or in Money Magazine.

And these tips are kid-tested, (by my own four kids themselves!), tried and true ways to systematically grow your kids' wealth.

Kind of like a or one-stop-advice-shop to teach your kids how to manage their finances responsibly.

So you can sleep at night knowing they'll be financially secure when you're no longer around.

And live better on less.

You'll also find suggestions on...

How to save money every day on everything from food to a fancy wedding on a tight budget!

How to get the best education for pennies on the going rate

Cheap family travel and Exotic vacation spots on a slim budget

The best charities to help poor, neglected horses

How teens can get paid to shop, fill out simple surveys, or even play video games!

The best home businesses to start - no matter what your age

and much, much more.

Colleges and universites don't teach your kids how to handle money - only theory.

You'll get better, easier to understand, practical advice right here. And it's 100% FREE!

And it's my hope and prayer that you'll also raise your kids to share and tithe their wealth.

After all, nothing feels better than sharing your blessings.

If you raise your kids to understand this...they'll be truly happy in life.

And don't worry, you don't have to be as rich as Oprah or Bill Gates, or as smart either, to raise your kids to become self-made, generous millionaires.

Managing money is NOT rocket science. All it takes is a little guidance...developing some good habits...and practice!

Who knows, your kids may even be a millionaire by the time they're 40 years old!

So THANKS for stopping by...and feel free to pipe in any time with your own advice and suggestions!

Not everyone can become surgeons and lawyers...or CPAs and chemical engineers...but they CAN become generous millionaires.

I guarantee you'll be bursting with pride as you watch your kids become successful, self-made, sharing millionaires.

And they will thank you sooner than later!

Millionaire Blog
Here's where you'll find encouragement, inspiration, and ideas on how to teach your kids smart money habits. Best Teen Jobs
How to brainstorm the best paying, coolest, teen jobs around... Super Child Model
How your child model can start earning thousands of dollars or more appearing in TV commercials and print ads... Jobs for 14 Year Olds Online
Looking for jobs for 14 year olds online? Here's the fastest, easiest way to make money online for teens that I've ever come across...


View the original article here

Dec 19, make money from home for her and the children

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Is it possible to make money from home doing something you love to do? And grow it into a million dollar cash business right from your kitchen table?

Lillian Vernon was a young pregnant homemaker when she took some of her wedding gift money and began her catalog business on her kitchen table. Today that business is worth over $196 billion! L.L. Bean did the same thing. So can you! There is one hitch though - you have to use your imagination...and a little WORK! The good news is: it's never been easier...or more affordable to make some extra money from a home business.

With literally BILLIONS of customers worldwide...

on the INTERNET! Check out this quick way to make money online in your spare time...

Are you constantly being told how beautiful your baby or child is? Or is your child a real "ham" in front of the video camera?

Children of all ages can make thousands of dollars a year modeling for print ads or acting in commercials. What a great way to start a college fund!

A good friend of mine's 8 year old son makes an average of $600 a DAY for modeling jobs! You might want to talk to a modeling agent about getting your child started in the profitable and fun career of modeling and acting...Read More HERE!

Did you know there are a billion people who own a computer and use the internet?

Now I have to confess...I'm probably the "Queen" of trying businesses that claim you can make money from home...

Like...

Electronic medical billing

Buying foreclosed homes

Flipping houses for profit

Buying and selling privately held mortgages

copywriting courses

and even garbage collection costs analysis!!

And I also have to admit that some I DID make some money on the electronic medical billing and buying and selling private mortgages.

But it was A LOT of work...with many rejections along the way!

That's why I was sooo excited when I found a report that tested 384 "Work From Home" and "online businesses" and discovered the simplest one for a monthly income of $5,685.12.

IT WORKS.

Of the 384 businesses that were tested, less than 2% made a decent income.

My dad used to always preach..."If it seems too good to be true - it probably is!"

If you've always wanted to start a money-making online business, here's the most effective, step-by-step system I've found...

Here's what Brenda Patterson has to say...

"I'm already making $85 dollars an hour!"

"I signed up for your system Saturday afternoon...placed a campaign online Saturday evening after watching a couple of your training videos.

I had to make some campaign adjustments on Sunday. Then I started getting clicks late Monday...and got my first sale of $80 dollars on Tuesday morning.

This was just 3 days after signing up! Thank you for everything! This system is the answer to my prayers!"

So if you want a simple way to start your own online business to start making money 24/7, this is hands down the best system.

And it even has a complete, 100% money back guarantee if it doesn't live up to its stellar reputation!

My oldest daughter Rachel (18) launched her own business of riding and exercising other people's horses (which she would do for FREE anyway!) and cleans condominium building hallways.

Plus, she works at Subway about 10 hours a week.

This summer, she's going to be a nanny for 3 chilren 4 days a week.

Busy lady!

She also averages $500 a month online HERE

Plus, she gets paid up to $75 for every survey she completes online HERE...

Tony (16) is raking in the cash mowing lawns in the summer and shoveling snow in the winter. Plus, he works part-time at McDonalds around his hectic sports (football, basketball, & tennis) schedule.

But recently, he started trading foreign currencies using an automatic robot in his spare time. Check Out How He Makes Money Every Month Using An Automated Trading Robot HERE...

Matthew, my 14 year old, makes money mowing our lawn and with his own website about Cool Colored Laptops!

And Maria, my youngest (12) babysits one night a week and has her own blog about dog trainng just for kids.

She did a great job training our new puppy Blaze and has lots of funny stories and tips to share!

Take a peek at her site HERE and see how CUTE Blaze is!

She also has her own online pet supply store...for all those dog training tricks!

Did you know that 7 out of every 10 households have a pet?

And pet owners spend an average of $150 dollars every month on their precious pets!

Heck, I spend almost that on dog food alone for our two dogs!

Kids really get a kick out of having their own website or blog.

And they get even more excited if they make a little money!

The most important lessons my kids are learning is how to make some extra cash, have fun, and reap the rewards of a little hard work.

Plus, they're getting into the habit of earning, saving, investing, and sharing their OWN money.

Priceless.

Here are 10 profitable jobs for 14 year olds to make some extra cash from home...

What he meant was that if you don't go to work every day...you don't make any money.

The key to success with a home business is to work smarter - not harder. But that doesn't mean it shouldn't be FUN right?

Remember, 80% of all millionaires have their own business.

Right now, with a little ambition, you and your kids can easily make money from home - maybe even enough money to take that trip to Walt Disney World!

And who knows? You might be asking your kids (the banker) for a loan some day!

So let's get started right away and make money from home...

Take a peek at my #1 BEST RATED online job for kids...

1) Rent-a-Kid

Here's a chance for younger kids to make money from home...and also be a good Samaritan!

There may be people in your church or neighborhood who need odd jobs done such as raking leaves, sweeping sidewalks, or even picking up doogie doings in the yard!

An easy way to advertise is to make up a catchy business card for your kids to hand out - something like:

Rent-a-Kid

Need Help Getting Things Done? Call ___________(your name)

No Job Too Big or Too Small For a (fill in your age)

2) Mail Service or Watering Plants

Just watch the money flood your bank account with this way to make money from home!

When people travel, they need someone to pick up their mail and papers, or water their house plants.

Make up a cute card with a picture of a runner and a clever saying like:

?Going Away? Tony will save the day! Let me collect your papers and mail.?

Or...

"Going Away? Let Rachel Water your plants every day!"

If you charge your neighbors only $1 per day for a job that should take no longer than ten minutes, you're earning $6 per hour!

That's excellent money for a 7 to 10 year old!

Once word gets out about your reliability in this important task, you could be making $12 per week with only two customers!

3) Pet Minders

In England they call baby-sitters "child minders." You could become a ?pet minder? because people are always looking for someone dependable to care for their precious pets when they go on vacation...and are willing to pay BIG money.

If you like animals, then you'll love this job to make money from home!

My daughter's best friend even makes money from home "minding" pets at her house. This way she can have several pets at a time - providing they get along!

You could also advertise to be a Pet Exerciser. My daughter offers to regularly exercise horses for time pressed owners.

Pass Out Flyers to let friends, relatives, and neighbors know about your service and how to contact you.

Another great source for advertising is your workplace newsletter.

But before accepting a job, visit the pet. If "Fido" seems hard to manage or just doesn't like you - then politely decline the job.

It's always best to discuss your pay before your job ever begins. Call several local kennels and find out what the going daily rate is to board an animal in those places. You should charge anywhere from 1/3 to ? of those rates.

Be sure to let your customer know how your rate compares to the local kennels...and the bargain you're offering!

4) Baby-sitting Service

This is one of the most popular jobs for young guys and girls for making money from home.

The best place to start is with a Red Cross Baby-sitting Course. To find the nearest course just go to the red cross website

It's hard for most parents to find reliable baby-sitters who will play board games, go on walks or trips to the park, or go sledding or bike riding, instead of parking the kids in front of the television, computer, or playstation.

You'll earn more money and your phone will be ringing off the hook if you clean up after the kids, get them to bed on time, and stay off the phone and MSN!

Set your own fees and schedule, charging an hourly rate, based on the number of children. For night owls, charge more money per hour for every hour after 10:00 p.m., 11:00 p.m., and midnight. And charge a premium fee for New Year's Eve!

5) Mama's Helper

This is an ideal way to make money from home for your soon-to-be-old-enough-babysitters. It also provides excellent experience while getting paid to play!

Make up colorful flyers so they'll stand out and you'll be remembered. Be sure to advertise that you will play with the children, tell stories, and play board games.

You may even want to advertise some quiet activities in case your employer wants the kids quiet in the family room while she has a meeting in the dining room!

Bring along some toys, movies, dress-up items, or craft items. Little kids love something new, and that old toy in the back of your closet may keep your little buddy busy for a long time.

6) Lawn Service

Your kids can make money from home...and also from their neighbor's home!

When most kids think of earning money in the summer, one of the first things they think about is mowing lawns.

While this can be a cool source of money, it can also be dangerous if you're not careful. My nephew started a fire in the lawnmower because he added more gas when the engine was too hot. Scary!

The best advertising is a job well done. Then you'll get repeat business...more money...and probably more referrals than you can handle.

Print flyers and business cards and pass them out to people you know--especially your neighbors. Carry some of these cards with you and hand them out, on the spot, when you see a potential opportunity.

Don't forget to consider doing "edge and trim" jobs. Walk around your neighborhood and look for lawns that are mowed but not edged and then ask for the work.

7) Shovel Snow

If you live in Wisconsin or Minnesota like we do...you can make A LOT of money shoveling sidewalks!

Let your potential customers know that you are in the snow business BEFORE the first snowfall.

Advertise your services and your prices. Decide how much you'll charge for small, medium, and large driveways - and small, medium, and large sidewalks and steps. And charge extra money for spreading a little salt or sand.

If you do a good job for your first few customers, ask for a referral. This will make your business just about perfect!

8) Gift Wrapping Service

I remember wrapping all my dad's Christmas presents every year for a small fee. Busy or creatively challenged people (dads especially) need help in this area, and you could provide a useful service.

This is one of the best ways for 6 to 10 year olds to make money from home...right from their bedroom!

Make sure to have plenty of beautiful wrapping paper, or make your own with white butcher paper or brown grocery store bags.

Grocery bags stamped with red designs, wrapped with raffia ties, and decorated with fresh cranberries can be very pretty.

Be sure to get plenty of tape and bows, too.

Wrap several empty boxes as samples to show customers. Be creative with your decorations by tying on cookie cutters, small toys, or other items that look interesting.

9) Wallpapering, sponging, or hand stamping

Some college friends of mine made A LOT of money wallpapering in between classes! Time-strapped homeowners who want to spruce up their rooms without spending a fortune are perfect customers.

Hand out flyers and post your services on bulletin boards.

10) Tutoring

Here's from-home work that pays big dividends in satisfaction. Not only do you earn money for helping someone learn, you have the pleasure of giving that person a lifelong gift.

And you make money from home with pride!

And the pay is fantastic - $5-$20 per hour! (Depending on your age and experience.)

11) Herb gardener and seller

Plant a garden and make money from home in your own backyard!

Herbs are the one plant that almost thrive on neglect. Overfertilizing or overwatering will make them not as tasty.

People buy herbs for both medicinal purposes as well as food seasoning.

You only need some containers or a small plot of land, a few packets of seeds, and some creativity on selling.

Herb gardens are popular places for week-end gardeners to visit. Why not set up an herb tea garden and serve herb teas and pastries?

12) Gourmet Vegetable Grower

Another garden providing you the opportunity of making money from home out of dirt!

Every year I go through the seed catalog and pick out the "funkiest" vegetables I can find. One year I grew Israeli watermelons for their perfume fragrance...French Carmello tomatoes, blue potatoes, colorful swiss chard, and "lady-finger" eggplants to grow and sell.

Restaurants and your local supermarkets are always on the look out for the next tasty fad!

13) Housecleaning

Well, maybe this isn't exactly making money from home...but darn close!

You probably have all the skills and elbow grease you'll need to clean houses. My niece supplements her waitressing job cleaning houses while going to college.

14) Animal Breeding

Make money from home with your treasured animals!

People are going crazy over exotic animals and pets these days. Why not take advantage if you're an animal lover, patient, and caring?

It only takes a couple of good animals. Rachel, my oldest daughter, bred pearl colored cockatiels for a couple years. Here are some more ideas for pet related businesses

15) Candle-making

Make money from home right on your kitchen table...like Lillian Vernon did!

Let your imagination run wild with this idea! Everyone loves the ambiance and allure of candles...and don't forget to add relaxing scents such as lavendar or green tea!

Advertise your creations on community bulletin boards or head to a craft fair.

16) Birthday Party Organizer

All you need to make money from home is good organization skills!

Lots of people would be happy to pay for this! Be creative and budget minded and you'll have more clients than you can handle.

17) Carpet Cleaning

Make money from home by cleaning other peoples' carpets in your spare time!

Carpet cleaning is not complicated. All you need is a carpet cleaning machine of some kind or rent one. This is a great evening or week-end business.

18) Computer Tutoring

Your computer will help you make money from home...

Are you a whiz with computers? You can be an "angel" helping computer illiterate people with basic computer skills such as email, word processing, surfing the net, etc.

People 50 to 65 especially need assistance. And you don't haveto be a computer "geek" either... Have your computer savvy kids check out these 2 TOP ways to make money from home online

Or how would your 18+ teen like to make money from home playing video games?

The video game industry is a $50 billion dollar industry.

It's leaving the movie industry in the DUST!

Companies are looking for people to test their new video games...and are willing to pay handsomely!

So which companies are hiring? Check out this website with more than 50 companies hiring RIGHT NOW...

If you like playing video games, Here's how you can test and keep a FREE Xbox 360...

19) Cake making and decorating

Make money from home baking until your heart's content!

Kids birthday parties, baby showers, first communions, and weddings are occasions that demand very special cakes.

Have the kids bake a cake, take some pictures, or better yet, give out sweet samples! Petite Fleur de Lis cakes are especially popular now for special events.

Don't forget to add pretty crystalized flowers or edible real flowers for decorations.

20) Event Planning

Make money from home planning, planning, planning for BIG BUCKS!

You name it - you can plan it! From graduations, wedding anniversaries, fundraising events, church gatherings, sweet 16 birthday parties, bar mitzvahs, corporate lunches, etc.

This is one of the most lucrative ways to make money from home. Start small...and don't underestimate your kids ability. You can make WADS of money if you're organized and budget minded.

1) Online Auctions:

A few years ago, my friend's sister started making money from home selling items she otherwise would have put in a garage sale.

Last year, she cleared over $10,000 ---not bad money for part-time fun squeezed in between her three kids activities.

She's now expanded into scouring garage sales for treasures and auctioning them off for a profit. And her kids help out for easy money!

But she warns to go slowly and make sure you're honest with descriptions and to ship promptly to keep customers happy - and coming back for more! This means more money in the long run.

Also be careful to stay organized because listing costs, commissions, and buyer's that don't pay can eat away at profits.

2) Mystery Shopping:

What a dream come true...to get PAID to shop! Mystery shopping has been around for a long time for making money, but the internet makes finding them easier.

Mystery shoppers typically are paid 5 to $100 cash per assignment to pose as an average customer and critique a store or service.

And your kids can come along with as you get paid to shop...or if they're 18 or older...they can be a mystery shopper too!

It's common to be paid with cash as well as freebies, from free laundry detergent to free diapers in exchange for opinions or surveys.

Diligent Mystery Shoppers can make as much money as 6,000 a year in cash, plus ree goods and services worth $3,000 to $4,000.

A Closer Look

Corporate Research International Mystery Shops

Mystery Guest Inc.

Service Intelligence Secret ShopNet

You can also apply to mystery shopping companies in your area as well. Here is more information on making money mystery shopping...

You'd be surprised at how many local companies need shoppers...for some FUN extra cash...or substantial second income.

Mystery shopping is a new experience for me.

I was curious...so I signed up.

Next week will be my very first mystery shopping assignment!

I'm going to get an eye exam, which I desperately need, and will be paid $120 bucks!

Not bad. Taking paid surveys is another opportunity to make money from home.

Jobs best suited to make money from home telecommuting have these things in common:

1) Do not require much face-to-face interaction

2) Telephones and computers are the key tools used for the job

3) Employee performance can be easily measured

4) Do not require access to materials at the central workplace

Abstractor

Accountant

Actuary

Advertising Copywriter

Bank Officer

Columnist

Consultant

Customer Service Representative

Database Administrator

Economist

Free-lance Writer

Fund Raiser

Legal Assistant

Programmer

Purchasing Agent

Researcher

Social Worker

Stockbroker

Telemarketer

Travel Agent

Urban Planner



View the original article here

Friday, December 31, 2010

14 APR, give your children an allowance should you?

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Maybe I am a tightwad...or cheap...or thrifty...(sort of), but I'm proud of my frugal money management style.

And I'm SURE I learned this trait from my dad - my kids complain that when they go to McDonalds with Grandpa, they HAVE to order off the dollar menu ONLY.

No exceptions.

That's my dad...Mr. KING of BARGAINS!

When I first started dating my husband, Andy, he couldn't believe what a CHEAP date I was.

And it's NOT what you think!

I always orderd the least expensive item on the menu...

never appetizers or dessert...

never a glass of wine (not when you can buy a whole bottle for the price of a glass!)...

and definitely NEVER pop or coffee - just water!

Now, most men wouldn't complain...

But after a few dates, Andy was on to me, and he sweetly told me that I didn't always have to get chicken...he could afford for me to get my favorite dish of shrimp scampi.

It wasn't that I didn't think he could afford it...it's how I was brought up - or rather trained. So at first it was hard for me to cut loose.

But once I got the hang of it...

I really cut loose with a glass of wine with dinner and some times coffee and dessert! Boy, I was living the high life!

My dad isn't the only tightwad, most millionaires are very frugal. They make it a habit of living within their means, often below, and investing the difference.

And want to know another benefit of being frugal with your money? You'll have plenty of extra to share with others.

Some of the ways our family is frugal with our money is...

My kids and I buy most of our clothes at Treasures from the Heart, my favorite second hand store that I describe as a Target store - but cheap.

And I'm usually also dropping off a garbage bag full of donated clothes while we shop!

Most of our furniture is antiques, used, or reupholstered. I hate to think of a perfectly good sofa ending up in a land fill...all because I wanted a different color.

And cars? My husband and I haven't bought a new car in over 15 years now.

The last car my husband bought a year ago, he had two requirements.

It had to be a four door sedan with bench seats (to fit all 6 in our family if we had to!) and the age of the car had to be in the same century!

We found the perfect Lincoln Towncar...and what really sold me was the heated leather seats.

It really is the best thing since microwave ovens!

Simple.

You show them by example - and TALK TO THEM ABOUT MANAGING THEIR MONEY...frugally!

I taught a course about money and entrepreneurship to 6th through 8th grade students for 3 years at St. Bridget's Catholic school where my oldest two, Rachel and Tony, were going at the time.

I asked the students in my class if they knew how much their home was worth...or how much a college education costs...or how much a new car goes for.

And was absolutely SHOCKED by their answers!

$10,000 for 4 years of college...$50,000 for their house...$10,000 for a new car (this was actually the only answer even close to correct!).

And they were equally SHOCKED when I told them...

A college education can cost anywhere from $36,000 to $150,000, depending on the college...and that the median price of a home in our little town of River Falls, Wisconsin is $205,000.

They were blown away.

Money DOES NOT buy happiness. Or love. Or friends.

But it IS part of your life, and your kids lives.

Try not to be emotional about money. You shouldn't feel like you deserve money, are entitled to money, or should be given LOTS of money just because you work hard.

The truth is, making money is the easy part - managing and holding on to your money is the tricky part!

But it CAN be done with persistence...practice...and being frugal with your spending.

Remember, money is a medium of exchange - no more, no less. Here's how to get your kids started YOUNG with budgeting their money...

According to The Millionaire Mind, most millionaires live in modest homes, spend the majority of their time with their family and friends, frequently eat at McDonald?s and Burger King, have NOT traveled the world on a cruise, and typically buy used, rather than new vehicles.

They are extremely frugal...and more apt to spend money on financial and tax assistance...to protect their hard earned money.

Movie stars are the only millionaires who are not frugal.

They live lavishly...and foolishly.

And with all the wife and husband swapping and divorcing, it doesn't seem like they're all that happy either!

So there you have it, your neighbor, friend, or co-worker could very well be a frugal millionaire and you don?t even know it!

Next it will be you or your children - preferably both!

I have a business partner who is worth well over a million dollars, but you would never know it.

He lives in a modest three bedroom home worth $250,000, owns two vehicles with an average age of eight years old, mows his own lawn, but has methodically saved millions from his average paying job as a computer programmer.

Another friend of mine makes a salary of about $65,000 a year being an auctioneer, but has a net worth of well over $3 million dollars in real estate that he has built up over the years.

A woman my husband used to work with retired from her job at 50. She now works at a high school cafeteria as a lunch lady, yet has a million dollar retirement fund and is really working for fun money.

All you have to do is develop good, frugal money habits at a young age...and give back to your community.

This is true wealth.

Remember, even the most educated people making a fantastic income are living paycheck to paycheck, and a lot of accountants are struggling with their own personal debts.

They understand the theory, but haven?t mastered the habits of frugally managing their money to become wealthy.

At the same time, there are schoolteachers who are not financial experts, but have methodically built up millions over the years.

We're going to take after the schoolteachers in our approach to managing money.

The only way to teach effectively is by doing and practicing.

You can?t teach a child how to swim by simply reading a book, at some point you have to get in the water and swim.

So let's get your children in the practice of managing their money...so they'll be confident, frugal, and generous with their money.

Don't expect them to automatically know how to manage money once they leave for college...otherwise you'll be picking up the overdrawn checking account fees and past due credit card balance.

I hear from parents all the time that little Suzie or David is going to be doctor, surgeon, or lawyer and make a lot of money.

They spend a lot of time and energy worrying about their kids academic and athletic performance so they can get into the best universities.

But I don't often hear them tell me how they're teaching their kids to manage all this money.

Let's NOT make the same mistake!

I believe it's just as important to talk to your kids about money as it is to talk to them about their grades or sex.

Give your kids a reasonable allowance (our kids get $24 a month): Paying them once a month teaches them to automatically be frugal and budget their money Here's a kids' frugal cash workbook (also in Spanish) that I especially like...

Have an agreed upon percentage of their allowance be put in their investment account and for tithing (our kids save 50% automatically)

We encourage our kids to tithe 10% - it's their decision...but they MUST tithe either money or their time.

Debt IS NOT an option - Don't fall for the trap of loaning your kids money until they get their allowance.

This is going into debt and it's a BAD habit to start.

They have to learn delayed satisfaction...and saving for their unlimited wants.

Teach Your Kids how to balance a checkbook as soon as they know how to add and subtract well...about 10 or 11 years old

Show them bills that you pay such as mortgage payments, church donations, credit card bills (if you're feeling brave), phone, cell phone, grocery bills, internet service, heat, electricity, etc. so they know it costs money to LIVE.

Talk to your kids OFTEN about the price of homes, cars, college, vacations, insurance, ANYTHING and EVERYTHING!

Teach the value of buying used instead of new. This will really stretch those frugal dollars!

If you can afford to, offer your kids an incentive to save money by matching their efforts. Sort of like a family 401 (K) plan!

Start investing your kids money at age 0...and teach them to invest on their own. (Don't worry - you don't have to bea Wall Street Broker...I'll walk you through this!)

Talk to your kids about what's important to you with money.

Some of us place a higher importance on spending our money on our home, vacations, or a good education...

rather than the trendiest clothes, the latest high tech toy, or the sleekest car.

They should be deciding what they value - not the media. Beware of this.

Explain how credit cards work and have your teen get a credit card and learn to manage it while still living at home. This way, your kids can learn little mistakes and be easily corrected while they're still at home.

Emphasize the dangers of too much debt. Before you know it, their mail boxes will be stuffed with credit card offers...and it will be out of your control!

Mortgage Loans: While credit card debt is bad...a loan for real estate or your home is good debt.

Teach them the ins and outs of the different types of mortgage loans, or even better, take a trip to the bank and have a loan officer explain.

This may seem extreme, but your kids ARE INTELLIGENT enough to understand. Of course, you should wait until they're about 17 or 18 years old.

If your kids are confident and knowledgeable about money management, they'll know how to spend frugally, how to invest from a young age, and the importance of sharing their wealth...

And be happier than 99% of their peers!



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Thursday, December 30, 2010

Start APR 15, your children manage money with budget worksheets

Yes, and Here?s why.

Most people get financially in trouble because lacking budget worksheets and ?don?t know where your money went all! ?

Or you Don?t actually see the money.

With credit cards, debit cards, and automatic deposits and Transfers?it?s is difficult to know how and where your money is spent.

But if you your kids smart asset managers and fall into the debt trap want should you in the habit of tracking your spending and the save worksheet with some sort of budget.

And there should be an easy way.

Get would likely, lost, eh?

Or you might get never there at all.

With a budget worksheet (or plan) for your money is good, such as directions for your trip.

It helps you achieve your goals - faster and easier than without a card.

Here a simple children started budget worksheet, your kids budgeting your money get...

One of my favorite ways is to teach young children about budgeting with the envelope or ?bucket? system.

And it works like magic!

During the depression, and for many years after people Didn?t trust banks. Keeping instead of money in the Bank, the envelope system was so popular.

And the savings envelope was hidden under the mattress for safekeeping.

The envelope system was a simple way.

Set separate envelopes...

Their expenditure divided...

Place then, the money in each envelope every month...

And when it time, came to pay the Bills, had to pay the money.

Computer was kind of the wind from the popularity of the envelope system.

The FDIC protects your money in the Bank deposited. Now people use checking accounts, savings accounts and CD?s to protect your money and pay your bills.

But unfortunately, managing your finances banks Don?t help.

You only see what you have in the Bank and which You?ve spent.

Do nothing to help budget categories of expenditure to spend tracking what you spend and what you have left or save.

And have your own many accounts to keep track of loans and credit cards.

This is the part of the budgeting that most people ? and Miss way over your head in debt at the end.

But not your Kids?because They?ll learned and practiced the basics of setting up and after a budget worksheet.

Envelopes are for children, right kind of boring?

To use instead why not colorful buckets!

In today's society, use keeps you ?plastic? of see, touch and hold your cash. No wonder that It?s simply track the cash to lose, you really have to spend.

This is, why use a form of budgeting worksheet is soooo needed!

Now, I'm not saying your children should forget using a checking or savings account at the Bank, but I think you should teach your kids the basics for management and budgeting your money.

And the sooner the better.

This way They?ll be able:

Keep track of your own money

Holding of additional expenditure

Provide a solid basis for money management.

The bucket system works the same as the envelope system but is a little more child friendly.

I like to start out with 5 bucket...

A blue bucket for savings

A green bucket for expenditure

A purple bucket for donations (for our children, this is actually the Church envelope!)

A red bucket for emergencies (or rainy day fun)

A yellow bucket for special items such as a new bike or an iPod

You?ll excited as this ?bucket? system really work and teach your children how your money-automatically budget!

Their children are older, be They?ll of also ?grown Up? bucket system. This is when I recommend after your teens that are a little more using advanced budgeting system.

Can your budgeting skills to practice and use it lives in the They?re still at home.

Here is a simple online budgeting tool to manage your spending to save money, and your fault would be reduced. And you can access it anytime, anywhere and to make budgeting easier than ever!

You can try it free for 30 days. You will be amazed at how simple and it is easy to use.

But if you had rather track and budget your money on paper...

Here is a paper budgeting system, it fits into your checkbook...

Check them out and see if any of you to work for you and your lifestyle.

A budget worksheet system makes it easy for you to track every aspect of your expenditure, as it happens, money saving pay debt, achieve your financial goals that much faster.

You will always know where your money is spent, exactly how much money you have left, to spend and the impact of each decision, expenditure.

Plus are you able to manage credit card purchases, print at the top of all that, you reports, and have online tracking - anywhere, anytime.

Whether you decide to manage your money online or on paper with budget calculation...

Page set can receive all track your income and expenses, including credit card bank accounts and cash.

So make sure to manage your money with some sort of budget worksheets to get starting with "Buckets" convenient online systems under your guiding principle hand your children into the habit.

Don't worry, if you make mistake - we all do!

The important objective is for your children to learn from their mistakes and practice managing your own money with budgeting worksheets from a young age.



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Oct 26, children modeling agencies

Here are some of the top children model agencies.

Please let us know if you have a favorite that we should profile.

Every month we will profile a new agency, so that you can detailed information of agencies you are looking for.

Child modeling agencies:

Alene Wilson model management (ARIA)

Phone 773-755-0000

Arlene Wilson

Offices

Atalanta, Chicago, Milwaukee

The Campbell Agency

(214) 522-8991

The Campbell Agency

"The agency that puts it all together"

Two Turtle Creek

3838 Oak Lawn Ave., Suite 900

Dallas, TX 75219

Kidding around models and talent Inc.

1876 DeFoor Ave. Bldg 7

Atlanta, GA 30318

Phone (404) 350-4145

Birmingham agency kidding of Alabama, Inc.

Kidding models

Wilhelmina

300 Park Avenue South, 2nd floor,

New York, NY 10010,

Please note: Children Division

Willy kids

Offices NY, La, Miami

Ford models

111 5th Ave.

New York, NY 10003

Phone: 212-219-6500

Fax: 212-966-5028

Ford models

LA, NY, Chicago, Miami

Cunningham, Escott & Dipene

Los Angeles

Tel. 310. 475. 3336

New York

Tel. 212. 477. 6622

CED talent

Expressions model and talent

Telephone 215 923 4420

Philadelphia,

Expressions models

VS talent group

34 Mill St

Mount Holly NJ 08068

609-261-0220

e-Mail - Shari@CVtalentgroup.com

VS talent group

Kim Dawson Agency, Inc.

1645 Stemmons Freeway

Suite B

Dallas, TX 75207

Telephone(214) 638 2414

Kim Dawson Agency

Bella Agency

270 Lafayette Street # 802

NY, NY 10012

Phone: 212-965-9200

Bella Agency

FFT

381 Park Avenue South

NY, NY 10016

Phone: 212-686-4343

FFT models

My favorite:) for juniors

Click models

Girl 5'8 and over 14 24

Guys 5'10 and 14 - 24

Click models

Can a list of licensed children modeling agencies in your city here buy...

For more information about child modeling return to how to become a child model

View the original article here