How an Allowance Helps Children Learn About Money
2012-11-23 22:17:58


This is the VOA Special English Economics Report.(1)
这是美国之音特别英语经济报道。

Many children first learn the value of money by receiving an allowance. The purpose is to let children learn from experience at an age when financial mistakes are not very costly.(2)
许多儿童首先了解金钱的价值由领取津贴。目的是让儿童从年龄当金融错误不是很昂贵的经验中学习。

The amount of money that parents give to their children to spend as they wish differs from family to family. Timing is another consideration. Some children get a weekly allowance. Others get a monthly allowance.(3)
父母给子女花如他们所愿的钱的量不同家庭与家庭。时机是另一个考虑因素。有些孩子每周的津贴。其他获得每月的津贴。

In any case, parents should make clear what, if anything, the child is expected to pay for with the money.(4)
在任何情况下,父母应该清楚什么如果所有的东西,儿童预期支付的钱。

At first, young children may spend all of their allowance soon after they receive it. If they do this, they will learn the hard way that spending must be done within a budget.(5)
第一,年轻的孩子们可能要花他们津贴的所有不久后他们收到它。如果他们这样做,他们会了解支出必须在预算范围内做的硬方法。

Parents are usually advised not to offer more money until the next allowance.(6)
家长通常应不提供更多的钱,直到下一次的津贴。

The object is to show young people that a budget demands choices between spending and saving. Older children may be responsible enough to save money for larger costs, like clothing or electronics.(7)
该对象是显示年轻人预算要求消费和储蓄之间的抉择。年长的儿童可能是负责任,足以为较大的成本,如服装或电子存钱。

Many people who have written on the subject of allowances say it is not a good idea to pay your child for work around the home. These jobs are a normal part of family life.(8)
在津贴的主题,写的很多人说它不是一个好主意,围绕民政工作支付您的孩子。这些作业是正常家庭生活的一部分。

Paying children to do extra work around the house, however, can be useful. It can even provide an understanding of how a business works.(9)
但是,付钱让孩子做额外的工作,房子周围,是有用的。它甚至可以提供业务的工作原理的理解。

Allowances give children a chance to experience the things they can do with money. They can share it in the form of gifts or giving to a good cause.(10)
津贴给孩子一个机会去体验他们用的钱可以做的事情。他们可以共享它的礼品或给好的因由形式。

They can spend it by buying things they want. Or they can save and maybe even invest it.(11)
他们可以花它由购买他们想要的东西。或者他们可以保存,或许甚至投资它。

Saving helps children understand that costly goals require sacrifice: you have to cut costs and plan for the future.(12)
保存帮助儿童了解成本高昂的目标需要需要牺牲: 你要削减成本和规划未来。

Requiring children to save part of their allowance can also open the door to future saving and investing. Many banks offer services to help children and teenagers learn about personal finance.(13)
要求儿童将其津贴的一部分保存,也可以打开未来储蓄和投资的大门。许多银行提供服务,以帮助儿童和青少年了解个人财务。

A savings account is an excellent way to learn about the power of compound interest. Interest rates on savings can be very low these days.(14)
储蓄账户是了解复利的力量的极好方法。储蓄的利率可以是这些天很低。

But compounding works by paying interest on interest. So, for example, one dollar invested at two percent interest will earn two cents in the first year.(15)
但复利作品的利率支付利息。所以,例如,1 美元投资以 2%的利息将赚两美分,第一年。

The second year, the money will earn two percent of one dollar and two cents, and so on. That may not seem like a lot. But over time it adds up.(16)
第二年将赚百分之二的一个美元两美分,依此类推。这不可能似乎很多。但随着时间的推移,它添加。


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