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AtricleZine - Teen Consumers Need to Learn About Money Management and Protection
Even if you are smart and interesting and a snappy dresser, you may not be communicating effectively at work. Your business culture, priorities, processes, and physical environment, all play a part in how well information is sent and received. A large part of improving your communication environment is improving your own ability to communicate on
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Le
Customers are important and you want to make sure you keep them. Finding new ones can be costly and time consuming.For a professional approach and to increase your chances of keeping them, put your services in a contract. Yes, a written agreement. Many companies, you probably wouldn't expect, use contracts. So get on the bandwagon.Y
And 46% of teens (ages 12-17) plan to spend more money next year.
No wonder marketers are targeting teens.
We are not preparing teens the real world if we do not teach them to manage money. How do kids earn money? How do they spend it? The National Consumers League says 62% of teens earn money from part-time, summer time, and neighborhood jobs like babysitting. Fifty-five percent of teens work mainly for spending money and 36% are saving for something they want to buy.
Parents need to teach teens the difference difference between want and need. Your teens may want the latest jeans, but do they really need them? Fads come and go and, if you can convince teens to wait a while, the obsession with a fad may wane. Not all teens are spenders, however. The National Consumers League says 22% of teens are saving for college. Twenty-seven percent of teens are saving for no particular reason.
Teen habits are shifting and many are looking for value. "Cheap has become the new thrifty and savvy," notes the Newspaper Association of America. Still, teens need to know the basics of money management, the day to day things adults may overlook.
Margery D. Rosen lists the basics in her article, "Basic Training," published in the April 2007 issue of "Family Circle." Her list includes making a budget, using an ATM machine, getting/using a checking account, using a credit card responsibly, saving for a specific item, giving to charity, and tracking financial documents.
Rosen did not include protecting teens from identity theft. Identity theft has become rampant and more teens -- even elementary kids -- are victims of it. The Better Business Bureau lists some self-protection steps on its Web site. Some of the tips:
* Do not carry your Social Security card in your wallet.
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Lea
Running a business gets so demanding, that we often can't see the wood for the trees. We become preoccupied with ensuring that everything in the business works the way it is supposed to. In other words, we spend most of our time working in the business.The problem with this operational focus is that it is easy to lose sight of what co
Parents need to teach teens the difference difference between want and need. Your teens may want the latest jeans, but do they really need them? Fads come and go and, if you can convince teens to wait a while, the obsession with a fad may wane. Not all teens are spenders, however. The National Consumers League says 22% of teens are saving for college. Twenty-seven percent of teens are saving for no particular reason.
Teen habits are shifting and many are looking for value. "Cheap has become the new thrifty and savvy," notes the Newspaper Association of America. Still, teens need to know the basics of money management, the day to day things adults may overlook.
Margery D. Rosen lists the basics in her article, "Basic Training," published in the April 2007 issue of "Family Circle." Her list includes making a budget, using an ATM machine, getting/using a checking account, using a credit card responsibly, saving for a specific item, giving to charity, and tracking financial documents.
Rosen did not include protecting teens from identity theft. Identity theft has become rampant and more teens -- even elementary kids -- are victims of it. The Better Business Bureau lists some self-protection steps on its Web site. Some of the tips:
* Do not carry your Social Security card in your wallet.
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Le
If you're in debt and have gotten in over your head, you're well aware of this problem. You don't need constant phone calls reminding you that you have unpaid bills in which the interest rates and late fees are piling up. Yet, that is the job of a debt collector. They call and call in order to get you to come to some agreement of repayment of you
Teen habits are shifting and many are looking for value. "Cheap has become the new thrifty and savvy," notes the Newspaper Association of America. Still, teens need to know the basics of money management, the day to day things adults may overlook.
Margery D. Rosen lists the basics in her article, "Basic Training," published in the April 2007 issue of "Family Circle." Her list includes making a budget, using an ATM machine, getting/using a checking account, using a credit card responsibly, saving for a specific item, giving to charity, and tracking financial documents.
Rosen did not include protecting teens from identity theft. Identity theft has become rampant and more teens -- even elementary kids -- are victims of it. The Better Business Bureau lists some self-protection steps on its Web site. Some of the tips:
* Do not carry your Social Security card in your wallet.
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Le
What is your #1 Obligation to your customer? When I ask that question to retailers they generally say, “To provide the best service to our customer,” or “To help the customer get what they want.” or even “To provide an extraordinary experience so they come back.”. While these things are all good and important, I think that there is something even
Rosen did not include protecting teens from identity theft. Identity theft has become rampant and more teens -- even elementary kids -- are victims of it. The Better Business Bureau lists some self-protection steps on its Web site. Some of the tips:
* Do not carry your Social Security card in your wallet.
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Le
I recently came across a story which goes to prove and confirm what I have said in previous articles. That is, in order to be successful in your workplace or indeed business you need to work on developing your soft skills, i.e. your interpersonal skills, which includes your communication and the ability to deal with people effectively and efficie
* Schools often ask for a Social Security number to participate in athletics. Do not provide this number unless it is well protected.
* Do not use your Social Security number for identification on a driver's license application.
* Never give financial information to telemarketers, emails from strangers, Web sites or blogs.
* Only carry the credit card(s) and check blank(s) you need.
* When you go to a party leave your credit card(s) and checkbook at home.
Learning to manage money while your kids are teens will help them to be responsible money managers when they are adults.
Copyright 2007 by Harriet Hodgson
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