by Elisabeth Donati | Jan 24, 2016 | Financial Literacy, Media Attention, Money Camps, Uncategorized, What you can do
Imagine living in a house with electricity and plumbing but no one every showed you how to plug something in or turn on the faucet. You are living in the dark, have no running water to drink, cook with or clean with and you have no idea how to change the situation.
This is exactly what it’s like to live in a world where money is the ‘currency’ that brightens our lives and quenches our thirst for the things we want to experience in life but we have no idea how to use it.
AND, we have no idea how to use it because most of us aren’t TAUGHT how to use money wisely and to our advantage by our parents or at school. Parents often think schools should teach it (primarily because they don’t know how) and schools don’t want to touch the subject because they don’t understand it either. There’s also rarely any time or money to support financial education in schools because they are too busy teaching students boring, irrelevant information that they will never use in their ‘real’ lives. But this is a discussion for a different day.
Why We Aren’t Taught About Money
Why aren’t we taught about money? Oh my, the answer to this question is long and has many chapters but I’ll try to keep this short and simple.
Enter the world I call the Financial Education Conundrum, meaning most of us don’t have a clue why we don’t learn this stuff when we’re young!
Here are some very basic reasons why we aren’t taught about money.
We don’t talk about money
The conundrum starts with the fact that we talk about electricity and plumbing like it’s no big deal but when it comes to talking about money, oh my gosh, we all too often make it a taboo subject that’s somehow different.
But it’s NOT different!
Money is the substance that virtually every human being in every culture on Earth uses every day to pay for the things he or she needs and wants.
Without enough money to pay for the things we need and want, life can be pretty miserable and while some people say that ‘money doesn’t buy happiness’, it sure buys the things we need to keep ourselves safe and sound and to most people, that’s pretty darn happy.
Research does show money actually DOES affect our happiness, up to the point that we have enough money to pay for our basic needs. Above that point and money doesn’t seem to have much of an effect on making us any happier.
We have to get so we can talk about money as easily as we talk about electricity and plumbing but why do we have such trouble talking about money?
Because we make it mean something about ourselves and others that’s just not true.
There’s a say, “Nothing has meaning except the meaning you give it.” This is oh, so true when it comes to money.
Too many human beings grow up thinking that the amount of money we have has something to do with the type of person we are or our ‘value’ to others, but nothing could be further from the truth.
- Having money doesn’t make us a better person.
- Having more doesn’t make us more important.
- Having money doesn’t make us cooler, or sexier or smarter.
- Having money doesn’t mean we can neglect those around us or stockpile it and not use it to do good in the world.
Money is simply tool to reach your dreams.
That’s it. It’s short and simple. Money is a tool…just a screwdriver or a hammer or a food processor. It’s a tool.
Money buys shelter, food, clothing, water, knowledge, transportation, and all of the wonderful experiences we call life.
Having money does come with responsibility…to use i wisely for yourself, your family, your community. Doing good with money is one of the most rewarding experiences in life and those who have a good deal more than others, quickly learn the power of using their extra money to help others. It brings us purpose and satisfaction in life.
The fact is, you wouldn’t let your child grow up without learning how to use a toothbrush, drive a car or swim. Why, then, do we let them grow up without a sound financial education?
It only makes sense to teach children this critically important information when they are young so they can grow up using it correctly and not have to, hopefully, learn about money the hard way by making mistake after mistake that could have been avoided with enough of the right type of financial information when they were young.
Can’t teach what you don’t know
While it may be that a large percentage of parents are financially clueless, that’s not a valid reason to not making sure your children or students are equipped with the financial knowledge they need to be self-reliant as adults. Our government coffers are struggling to keep up with the demand from uneducated, ignorant citizens who don’t have a clue how to handle money. It’s not their fault but it’s not the government’s responsibility to take care of people due to their sheer ignorance about money. It’s just not that hard to learn about money and investing anymore.
There are thousands of books on money and investing, online financial education programs, money magazines, free curriculums for home and school, mentors who are more than willing to help you learn as well ‘money camp’ type programs where kids, teens and adults can learn about money and investing.
Hey, and ya, learning about money and investing can be quite confusing. There’s a lot of contrary opinions about what to do but in my own experience, if you read enough books and you take enough classes and you ask enough questions, you start getting the same answers. THAT’S the information you go with…and what feels right in your gut after you start to understand the wonderful world of money…and it is wonderful.
Are you a parent or teacher who doesn’t have a basic foundation in Money 101? No problem!
Learn right along side your children. They won’t mind that you don’t know. Contrary to popular belief, children don’t expect their parents to be perfect.
The truth is, it’s easier for children to learn that making mistakes is a valuable aspect of life if they see their parents learning and growing also. Thinking you have to look like you have it all together to your children is actually a disservice to them. Kids need to know that adults are still working on figuring this ‘life thing’ out, too, and that life is simply a wonderful journey.
Don’t burden our children with money…WRONG!
This attitude about kids and money is downright dangerous to your children and your community’s children. You are keeping the basic information they need to grow up and live successfully away from them. While it doesn’t seem as harsh as not feeding them or giving them water, if you think about it deeper, you see that it’s incredibly harmful to their overall well-being and future.
What good is social studies, geography, history, math and writing if young adults graduate from high school and college with little to no knowledge of how to use and utilize the money they will hopefully go out and start earning on their own? They are now graduating with tremendous amounts of debt that can’t begin to understand, pay back or cope with and the social ramifications of this situation are tremendous.
Adult children are moving home because they can’t find jobs that will pay them enough to pay back debt, they are committing suicide from the financial pressure and are using drugs and alcohol to try to cope.
This is no way to raise children!
The definition of child abuse, according to Wikipedia and several other sources on the web is “the physical, sexual or emotional maltreatment or neglect of a child or children.”
By neglecting to make sure your children and the children in your community learn about the very substance that makes the world go around, as they say, you are indeed harming the child, sometimes in unimaginable ways.
Just as neglecting to teach a child how babies are made, that sugar causes cavities, that vegetables are important to your health, that wearing a seatbelt may save your life some day, neglecting to teach them how to make and manage money keeps them from living life to the fullest and is absolutely a form of child abuse in my book.
Your primary job as a parent and teacher is to make sure your children and students grow up to be fully functioning, responsible adults who can think through challenges on their own and take care of themselves. Not exposing them to money…the good, bad and the ugly…makes it hard for adult children to really create great lives.
What you can do instead:
- Stop thinking you are burdening your child or students with adult information they can’t handle. We ARE raising adults, right? They have the right to receive the information they need to live well on this Earth and they WANT this information.
- Even if you don’t know what to teach them, start today and teach yourself. There is NO excuse. There is an abundance of free financial education information and videos on the Internet and in the library for you to become an expert on money and investing.
- Involve your children and/or students in topics involving money. Know they are interested and the information will help them more than you know in the future. Even if you think they aren’t paying attention, they are. The point is to get everyone talking about money. Start today!
- Think of ways you can teach everyday topics through the context of money. Money often makes life lessons far more relevant to students.
- Make sure your children get plenty of practice with money. Give them an allowance and then help them budget, save money in a bank and start exploring ways to make that money grow, i.e., invest. We don’t get good at anything without plenty of practice and practice with money is critical if you want your chkids to grow into financially savvy and responsible adults.
- Visit our home page and sign up to receive our free report, The 3 Keys to Raising Money Savvy Adults!
One of the best (and most fun) ways to introduce children to the topic of money is to find youth summer programs that focus on money and investing. Here are a couple of great ideas…
1) Look on line for a money camp. There are many offered around the United States and some internationally. Type the following search terms into Google:
KEYWORDS: money camp, financial camp, millionaire camp, teen money camp, Moving Out for Teens, Camp Millionaire, money game, personal finance camp/class.
You’re sure to find at least one program within driving range. We have many parents bring their children from hundreds of miles away to attend our Camp Millionaire camp. Why? Because it’s worth it to them to know that their children have the tools they need to live successfully on their own after they move away from home.
2) Check your local summer camp locations to see if anyone is offering a camp or class through an already established youth program.
3) Look for a financial advisor or planner who is offering an educational event. While these types of events can be boring and more advanced, you may find one that is basic in nature.
4) Check out your local banks and credit unions. They often offer programs for both kids and adults on basic money management skills.
5) Take a financial education or personal finance class with your older teen.
6) If all else fails, find a financial education curriculum online and teach yourself and your child at home.
7) Lastly, consider hosting a summer financial camp yourself. You can work with us at Creative Wealth or some other organization and make sure your local children get the financial foundation they need.
OK, you don’t have any excuses now for not arming your child or students with the financial knowledge and skills they need to live a happy, healthy life full of the most amazing experiences possible.
It doesn’t matter how you do it…just get it done. Our kids are depending on us. Let’s show the ropes and give them a leg up on living the most awesome life possible!
by Elisabeth Donati | Jan 1, 2016 | Financial Literacy, Latest News, Media Attention, Money Camps, Uncategorized
Santa Barbara, California – Creative Wealth Intl., LLC announces their exciting new women’s financial workshop, Celebrating Women & Wealth, to be held in Santa Barbara, CA, March 12-13, 2016 at the fabulous Fess Parker Resort.
It’s not a secret that many women have a difficult time understanding money in a way that helps them be financially successful. After all, we’re rarely taught about money and investing in school or at home. Fortunately, help is right around the corner.
Creative Wealth, well-known for their unique, eye-opening, highly-effective, fun and engaging youth money camps on all things wealth related, recently announced the kick-off of their new women’s program with a special women’s workshop called, “Celebrating Women & Wealth” for women age 16 and up.
Experts agree, money is one of the most misunderstood substances on the planet, especially among women in a culture that often leaves them at a distinct disadvantage. Here are a few reasons women struggle with money:
- Women live longer than men requiring more money needed for retirement.
- Women’s health-care is often more expensive than men’s and high health care costs often make a huge difference in women’s ability to stay healthy.
- Since 50% of marriages end in divorce, women often wind up raising children on their own with little to no alimony or child support.
- Women lose, on average, 14 years of earning potential due to raising children on one end and taking care of elderly parents on the other.
- Women have a hard time talking about money…they are full of shame embarrassed because they don’t understand it.
The truth is that women, however, are often better investors than men once they learn the ropes. Clearing up confusions about money and creating wealth can quickly transform a woman’s life.
In that spirit, Creative Wealth, a leader in financial literacy education, recently announced this new women’s workshop focused on teaching women a whole new way to think about money…a feminine way. Celebrating Women & Wealth is scheduled for March 12-13, 2016 and will be led by Elisabeth Donati, creator of Camp Millionaire and The Money Game, and Marjean Holden, Actress and International Transformational Trainer. Both instructors are experts in Accelerated Learning Techniques that promise to make the workshop fun and engaging for everyone.
Asked why offer a financial program just for women, Elisabeth Donati, owner of Creative Wealth stated, “Because money means different things to women. We think about it differently and it’s just easier for us to learn about money and investing in a room full of supportive women like ourselves.”
According to Donati, the program will include a look at “The Six M’s of Money” (minding, making, managing, multiplying, mending and mentoring), the art of making peace with money, the critical difference between earning and making money, a simple money management system that really works, a get-out-of-debt fast technique to help reduce cut stress and put women back in control of their money, how to talk to a spouse or child about money, and much more.
Registration is available at www.CelebratingWomenandWealth.com/workshop. Tickets are $50 per seat, scholarships and volunteer positions available. Ages 16 and up are welcome.
Testimonials from past attendees have been quite passionate. D. Allen stated, “It is fabulous to know that I now have the potential to create financial freedom for myself. The skills and habits taught in this workshop gave me hope where I had given up. I believe everything is possible now because of this workshop. Thank you!”
For more information: http://celebratingwomenandwealth.com/workshop.
Workshop flyer available here: http://www.celebratingwomenandwealth.com/downloads/CWW-Event-Flyer-LR.jpg
Contact: Elisabeth Donati at 805-957-1024
freedom@celebratingwomenandwealth.com
www.CelebratingWomenandWealth.com
Hope to see you there!
by Elisabeth Donati | Aug 18, 2015 | Financial Articles for Adults/Couples
Investing can be a sore subject during, and especially after, bear markets. It follows then that we, as humans, will follow our instincts and try and better the investment experience. Why? No secret here. If an individual’s asset values have been reduced due a falling market, there are a number of life’s plans that can be significantly affected by the event. For instance, were these assets invested to coincide with a particular event, like funding college tuition, buying a second home or enabling a comfortable retirement?
Have you ever made an investment and suddenly you don’t know why? To top if off, the investment shrinks in value. You sell, realize the loss and ask “What was I thinking?”.
Experience will be a reliable guide. Unfortunately, many of us have to acquire experience personally. This means three things occur: 1) We loose money, 2) We loose time and, 3) We realize we need to know more.
To the point(s); in over thirty six years of working in the investment community, itís been my pleasure to meet some extraordinarily talented people. If you find the challenge of managing your investments of great interest and entertaining, there are advisors that focus on providing actionable information to clients for execution.
In general, Three Points Can Save Your Investments.
1. Improve your understanding of the relationships that drive markets. If you could see the impacts that one market has on another and could see then what the result would likely be, would this information be helpful to you?
2. Suppose you felt you could significantly improve your investment results if you had what you considered a reliable signal that would tell you if the stock market was going up or down. Not minute by minute, but up over the next few weeks. If you could find such a signal and the market suddenly dropped, you could buy confidently while everyone else was selling.
Why would this be of value? Think about it. When do things become ìcheapî, less expensive? The answer is when no one wants to buy. If you had 80 to 85 percent confidence, what would be possible with a reliable signal like this?
3. Suppose you were able to tighten this up even a bit more. Suppose you could take advantage of the daily market movements, working specifically inside a mid-term trend on a short term basis. If you had the percentages for success/failure on each move before you made it based on past history, (which as we all know, is no guarantee of future results), would this be helpful?
Imagine the market has started to move higher. Based upon daily research, an opportunity presents itself which based on past data suggests a 67% probability of success if you sell the market at the open and buy the market at the close. How many times have watched the market open significantly higher only to close in the trash can?
Specifically, three points of perspective:
The Broad Overview
Imagine for just a moment that you observe certain markets interacting and that this interaction when viewed previously had a future positive impact on the S&P 500 ñ the stock market, as an example. Following your observation, you now know generally what to expect will be developing. As the relationship between markets evolves, you can see it is likely the market will moveÖ higher (as an example).
The Medium Term
Next, you go to your highly reliable signal and see if it is in agreement or not. At first, this signal may disagree with the broad overview, but remember, all things take time to develop. After a while, the highly reliable clicks positive. It says ìBuyî.
Short Term
The marketís internal dynamics indicate, the market is now in an overbought or oversold position. If you want to commit to a little extra work, Using a portion of your account you can now execute a short term trade inside the medium term position. You are now mining the market trend.
Can you execute with confidence? Yes. You have a basis for your decision making that has been tried and tested. This process takes patience and persistence, but it can be highly rewarding.
If executing your own trades is too cumbersome to your lifestyle, you may find that you want an advisor so that you donít personally have to devote your waking hours to the task of trying to manage your assets.
Some can design personal investment portfolios that greatly reduce risk and produce attractive gains while keeping clients comfortable, confident and happy in the financial aspect of their lives. These clients stay clients of the advisor generally for as long as they live.
These clients benefit from the advice of an advisor and they usually have him/her fully manage their accounts. They typically will also benefit from investment tax planning that helps to deliver long term capital gains while maintaining a pool of selectively and surgically harvested losses that be brought forth for use as the clientís tax situation dictates.
How does one get to know an advisor? There are listings and there are brochures. However, if you want to feel comfortable in your relationship with your advisor, you must know him/her or their company. You should watch and witness firsthand their work and the results it produces. Once you have had that experience, you can then move forward confidently into the relationship.
How long does it take to get to know an advisor? Sometimes, it can take years. Then again you can go on a hurry up campaign, but if you do, you may end up asking yourselfÖ What was the questionÖ.? Oh yes, ìWhat was I thinking?î
In the world of investing, will you be 100% successful? No. Nothing involving risk in the investment world is 100% or guaranteed. Tomorrow is always tomorrow so itís different from yesterday or today. However, you can use experience to put the odds of success on your side. If your money manager has over 30 years of investment process development experience under his or her belt, with winning outcomes, chances are if you like each other and trust each other, youíve found a home.
John Howe has worked in the financial services industry for over 36 years. He has had the opportunity to know some of the most talented world class money managers, traders and advisors and has provided seminars on investing across the country to thousands of individuals and their advisors. To learn more about, successful, profitable investing visit us =>
www.RiskRewardFinancialSolutions.com or give us a call at 508-833-1401.
by Elisabeth Donati | Jun 15, 2015 | Financial Literacy Principles, Uncategorized, What you can do
People work their entire lives to pay off a mortgage, accumulate savings, fund a retirement plan, and to create a financial legacy for their children. Unfortunately, many fail to create a proper Last Will and Testament, leaving children and surviving spouses with mounds of paperwork to sort through after a death. This leaves the courts to decide on how to distribute your assets, which may or may not reflect your wishes. Worse, people often create their Will, but neglect to include exact details on how they wish their estate to be divvied up after their death.
A poorly planned estate can leave some of your beneficiaries out in the cold, despite your best wishes. A divorce can further complicate matters. If you don’t wish your greedy ex to inherit your estate, you’re going to need to update your Will, and avoid any costly mistakes for your heirs.
To avoid estate planning pitfalls it’s best to carefully document your Will, and ensure that a qualified lawyer vets and notarizes it. As you enter your twilight years it’s worth checking every year or so, to ensure it’s up-to-date.
What is Estate Planning?
Estate planning is a process where you connect your assets to the people you love, in the event of your death. Assets may include a house, property, vehicles, jewelry, furs, collectibles, fine art, coins, savings accounts, retirement savings, bonds, and more.
Estate planning is usually done with a Will and/or trust accounts. You can designate to whom your assets will go after you die.
Estate planning is done for your piece of mind, and to properly provide for children in the event of your death.
Here are the top 9 estate planning mistakes people make before they die.
1. Neglecting to make an official Last Will and Testament.
Depending on which state you live, a Will found in a shoebox in the closet may or may not be a valid document in the event of your death. Even worse is having no Will at all. Failure to create a Will will place your successors in a bad position. Your estate could be tied up in the courts for years, or worse, your beneficiaries may not get what you want them to inherit. If you have young children they may be left without the support they need, while the courts decide how to divvy up your assets.
There are many books and software programs to help you get started with writing your Will. You simply type in your wishes and print out the document. This document needs to be taken to a lawyer to be vetted and then signed, and notarized. A notarized Will is considered an official document. A lawyer can assist you with wording and ensure that your chosen beneficiaries inherit exactly what you wish. You may not wish to rely entirely on a tax package, particularly if you feel that your estate planning might be complicated.
One copy of your Will should be kept with your lawyer, one with an Executor, and one in a safety deposit box. This will prevent any disputes in the event that one of them goes missing, and a relative tries to pass off an older Will as the most recent.
2. Failing to designate a Power of Attorney.
Whether you fail to designate a Power of Attorney, or you choose the wrong person, you’re failing to have a trusted person at hand who will handle your finances, and manage your accounts if you become disabled. It doesn’t matter whether it’s a mental or a physical disability–as you get older you may need help managing your affairs. Unfortunately, too often an unscrupulous relative can offer their services, and before you know it, the money is gone.
Many people may wonder what designating a Power of Attorney has to do with them in the event of death. If you fail to choose the right person, there may be no estate left to manage upon your death. In the event you become disabled, you need a capable and trustworthy person to manage your finances. This means designating a trusted Power of Attorney in advance, before you lose your mental faculties. A trusted Power of Attorney will ensure your bills are paid, ensure you have the care you need, and that your lodging is secured.
3. Leaving your individual retirement account to your estate.
If you choose to leave an IRA to your estate it will be subject to probate, along with your house, assets, and any other types of savings. If there’s any money left in the IRA after debtors have been paid, it will go to your heirs. Many people think that it doesn’t matter after they’re gone, but if you’re leaving survivors behind, possibly a spouse or young children, ensuring that they can make the most of your assets in their time of need is paramount.
To get maximum funds from an IRA, it should have a designated beneficiary set up in advance. In the event of your death funds are immediately transferred to your beneficiary, and will not have to go through probate. This can potentially save a lot of money.
4. Not updating beneficiaries.
If you set up your Will several years ago, your beneficiaries may not be current. In the event of divorce or death in the family, past beneficiaries should be removed from your IRA or Will. This is also applicable to new births in the family. Keep your documents up to date to avoid disappointment or disputes within the family. You’ll also want your children to be adequately provided for, should something happen to you.
The best time to review your Will is at tax time. Consider whether you have new family members, including foster or adoptive children you wish to include.
5. Not following through with trusts.
A trust can enable you to transfer some of your assets to a family member. but it’s a two-step process. You need to actually fund it. If you merely set up the trust, but don’t fund it, in the event of your death, your beneficiary may receive nothing. As soon as you set up a trust, you need to set up funding as well. Your assets will need to be retitled under the name of the trust. Don’t assume it’s done by merely listing assets that should be going to each family member.
6. Liquidating assets that are in the Will.
If you’ve decided to sell your house, or prized coin collection, but neglect to remove these assets from your Will, you’ve going to create turmoil during the probate of your estate. Many state laws will require the Executor of the Will to replace possessions designated to a beneficiary in the Will, unless the beneficiary is in agreement that they receive nothing. Property assets that no longer exist can tie up probate for several months while this matter is investigated.
In order to avoid disputes upon your death, your Will should be regularly updated. Assets that no longer exist should be removed from the Will. You may also wish to add assets if you have made any valuable acquisitions in the past year or so, such as property, vehicles, collectibles, time share plans, jewelry, etc.
7. Failure to note beneficiary specifics.
If you’re hoping that one child receives all your jewelry, while another receives your antique furniture, and for both of them to be in agreement, don’t. Family squabbles frequently happen after a mother or father has died. Parents just assume that children will get along, and be able to divvy up belongings like adults, forgetting that they may act like children where possessions, or money, is concerned.
If you have your heart set on leaving one child all your jewelry, or fine art, vehicles, or any other types of financial assets, be sure their name is clearly spelled out in the Will. Your other child cannot dispute what is part of a legal document. When your wishes are set out in a notarized legal document your children must obey your wishes. Having clear designated beneficiaries is also applicable to life insurance plans, retirement savings, and any other type of account where you can designate a beneficiary.
8. Using ambiguous legal phrasing.
Many people write certain ambiguous phrases into their wills such as “assets to be divided equally among survivors”, or “left to the discretion of the executor”. These phrases are open to misinterpretation, and may not even pass probate. It can leave your family open to disputes and squabbles that can lead to court battles. It can be baffling why a lawyer would endorse ambiguous wording, but the power is in the estate planner’s hands. An executor will do their best to follow their wishes. A will gives an executor the power to use their discretion. It takes a criminal act to displace an executor. Good-faith acts will never displace them. If your executor is someone you trust implicitly, it’s worth being more specific in your Will.
9. Not communicating your wishes to family.
Many people are uncomfortable discussing their Will with the family. But there is nothing wrong with giving them a heads up about your assets. If your only child is going to inherit the family home, that may give them the security of knowing that it’s going to stay in the family.
Other reasons to communicate with your family may involve records and papers for certain assets. You may wish your family to know where to find the deed to the house, or information about a life insurance plan. Perhaps you have a large collection of valuable coins hidden in your home. Notify a trusted member of your family, so that these valuables can be found in the event of your death.
After someone dies, it can be chaotic for family members to sort the house, go through their parent’s stuff, and toss or donate items. Often many valuables are overlooked. You don’t want your son to discover after the fact that there was an insurance policy, but now it’s too late for them to collect. Or perhaps the deed to the house is needed for a property transfer. Hunting down records will slow down the probate process. It can still be done, but more slowly. Other items to make your family aware of are safety deposit boxes and keys, vehicle registrations, and out of state property.
Prevent disaster by informing your loved ones about where your important documents are kept. Further advice about avoiding estate planning pitfalls may be obtained from your lawyer. Anything to do with passing down houses, property and vehicle transfers, investments, and other asset distribution can vary state by state. State laws can vary widely, so don’t assume that one state will follow the laws of the state you came from. If your heart is adamant on who inherits what in your family, and you wish to prevent disputes, the more care and detail you place into your estate planning is only going to benefit your family.
You may wish to create a current list of your assets, and update it once a year. This will enable the executor of your estate to find everything they need to manage your estate. Notify your lawyer or executor where this list may be found, in safety box, or otherwise.
Start Your Estate Planning Today
Create your Last Will and Testament sooner, rather than later. Ensuring that your family will have the support and financial care they need upon the event of your death will be one last checkmark to make on your bucket list. And once it’s done you can breath a huge sigh of relief. It’s done, and all you have to do is have a once-a-year review of your estate.
Sources:
http://www.bankrate.com/finance/retirement/estate-planning-mistakes-to-avoid-2.aspx
http://www.forbes.com/sites/robclarfeld/2012/04/25/7-major-errors-in-estate-planning/
by Elisabeth Donati | May 30, 2015 | Financial Literacy, Money Camps, Uncategorized
This year we are excited to announce the newest member of our Creative Wealth Coach Team, Kasey Hill from the beautiful state of Washington.
Kasey, and her sister, are hosting two Camp Millionaire summer camps; one for 10-14 year olds and one for 15-17.
Your kids will learn how to make, manage, multiply and donate their money wisely first hand in these two-day programs and they’ll have FUN doing it.
Imagine your kids learning to pay themselves first BEFORE they leave home without you! All Camp Millionaire events feaure our unique financial literacy game…The Money Game
Camp Millionaire for ages 10-14 is being held July 20-24, 2015.
Camp Millionaire for ages 14-17 is being held July 27-31, 2015.
Camp times are 9-3:30 each day with parents attending the last hour of each day so they can see what their children are learning and so they can help support the information when the camp is over.
Both programs are being held at:
527 Main Street
Edmonds, Wa 98020
Both camps are $395/25 sibling discount.
Feel free to sign up on our Creative Wealth Financial Literacy Summer Camp Schedule Page.
For more information, call Kasey Hill at 206-335-9864 or email her at kaseyhill216@gmail.com
