犹太人教育儿童理财观的传统

年纪　｜　教授理财内容
３岁　｜　开始教孩子辨识硬币和纸币。
５岁　｜　让孩子知道金钱的用途，并告诉孩子钱是怎么赚来的。
７岁　｜　教孩子比较商品的价格，教孩子学会趁减价才买，做个精明消费者。
８岁　｜　教他们可以透过打工来赚取金钱，并且把钱存在银行获取利息。
１１岁｜　教孩子看电视广告的假象，并且要定下两周以上的开支计划，并且切实执行。

犹太人有句谚语：“财富可能归零，智慧却常伴左右。”

教育子女培养良好的理财习惯，必须从小做起，家长不妨从以下几方面着手：
1. 定期发放零用钱：一开始时，父母可以每周发放零用钱，带孩子习惯后，
慢慢拖长到每月发放。

2.　培养储蓄观念：财富是靠累积得来，储蓄可说是理财基本，父母们不妨从买给孩子钱罂开始，鼓励他们存钱。

3.　开设银行户口：父母带孩子去银行开立单独帐户，让孩子存钱入银行好生息，鼓励孩子多储蓄。

4.　培养孩子记账习惯：当儿童有一定的数学基础后，家长便应该慢慢培养起子女记账的习惯，有助他们控制开支，父母也可以借此监察孩子的消费倾向，若发现有偏差时，可及时纠正。

5.　建立理财目标：父母希望孩子的理财目标，无非是希望子女能理性消费，尽早学会储蓄，以钱揾钱。

Interesting thoughts of a successful man - Warren Buffet

There was a one hour interview on CNBC with Warren Buffet, the second richest man who has donated $31 billion to charity. Here are some very interesting aspects of his life:

1. He bought his first share at age 11 and he now regrets that he started too late!

2. He bought a small farm at age 14 with savings from delivering newspapers.

3. He still lives in the same small 3-bedroom house in mid-town Omaha, that he bought after he got married 50 years ago. He says that he has everything he needs in that house. His house does not have a wall or a fence.

4. He drives his own car everywhere and does not have a driver or security people around him.

5. He never travels by private jet, although he owns the world's largest private jet company.

6. His company, Berkshire Hathaway, owns 63 companies. He writes only one letter each year to the CEOs of these companies, giving them goals for the year. He never holds meetings or calls them on a regular basis. He has given his CEO's only two rules. Rule number 1: Do not lose any of your share holder's money. Rule number 2: Do not forget rule number 1.

7. He does not socialize with the high society crowd. His past time after he gets home is to make himself some pop corn and watch Television.

8. Bill Gates, the world's richest man met him for the first time only 5 years ago. Bill Gates did not think he had anything in common with Warren Buffet. So he had scheduled his meeting only for half hour. But when Gates met him, the meeting lasted for ten hours and Bill Gates became a devotee of Warren Buffet.

9. Warren Buffet does not carry a cell phone, nor has a computer on his desk.

His advice to young people: "Stay away from credit cards and invest in yourself and remember:

A. Money doesn't create man; it is the man who created money.

B. Live your life as simple as you are.

C. Don't do what others say, just listen to them, but do what you feel good.

D. Don't go for brand name; just wear those things in which u feel comfortable.

E. Don't waste your money on unnecessary things; just spend on those who really are in need.

F. After all it's your life so why give chance to others to rule your life."