High school is too late to start teaching finance. Before they even get to kindergarten, kids receive thousands of indirect lessons about money by observing their parents at the bank, grocery store, shopping center and home. Research suggests that children are much more receptive to learning financial concepts from age 8 to 12. Start financial…

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Giving children an allowance can provide an excellent opportunity to teach them money values and valuable lessons. They can learn how to: Handle money in a responsible manner How to prioritize between needs and wants How to make decisions about money, saving and spending These lessons, along with sharing your money values, will help shape…

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Welcome back to Chicks Chat and Change. Hi I’m Ann Zuraw What do you do with your old purse when it is time to say goodbye? Donating used clothes and purses have a far greater value and a bigger financial reach than you might think. Donating clothing doesn’t just mean letting your things be resold…

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Are you looking forward to the day when you can stop working, retire and enjoy life? Reality check – our world today does not bring us the peace of mind of previous years as far as retirement is concerned. In the past social security, pensions and lifetime health care were offered to workers in exchange…

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Welcome back to Chicks, Chat and Change. I am Ann Zuraw. Did you ever wonder why we have so many names for purses? We call them handbags, pocketbooks and a short and simple name—a bag. I was curious so I did some research to see how these names have transpired over the years. The purse…

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Consumer spending accounts for about 70% of the U.S. economy according the U.S.  Commerce Department. Our spending is what keeps our economy in either good or poor shape. When spending increases or decreases, it has a major effect on our economy. What we buy can be divided into two major categories. The first category would be…

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Welcome to Chicks, Chat and Change. I am Ann Zuraw. Our purses keep us organized and on track, but they also have the potential to stop us literally cold in our tracks. What does your purse say about your health? Purses are a known breeding ground for germs especially the bottom of them. We take…

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