Get Your FREE 5-part Mini-Course: “5 TIPS to Wealth Training Your Kids” Name Email Kids’ Bank Book Home Get The Kids’ Bank Book Now FAQ What you wish your parents had taught you about money What you wish your parents taught you - MORE How to Teach the Times Tables to Your Child - FREE Did You Know that 10% of All Net Profits from the Sale of this Book is Donated to Champ Homes? Champ Homes are “Places of Hope, Built on Faith,” located on Cape Cod, Massachusetts. “We work tirelessly for our live-in residents, and for any at-risk, homeless members of our community who come to us for help. We care for anyone, male or female, from 17 to 70, who is in need of supportive, low-cost housing, who wants to be part of a nurturing family group. Champ Homes provide a haven for folks who are physically disabled, in recovery from drug or alcohol abuse, mentally ill, and all those in need in some way or the other.” Since its founding in 1992 by Paul and Carolyn Hebert, “more than 700 previously homeless individuals have been sheltered, fed, clothed, respected and loved since the Hebert’s opened their hearts and the doors to CHAMP HOUSE ... a haven for the homeless on Cape Cod! And, hundreds of these "CHAMPS" have successfully gone back into the community to lead healthy, productive lives, and in turn reach out to help others.” Get Your FREE 5-part Mini-Course: “5 TIPS to Wealth Training Your Kids” Name Email About the Author Theresa A. Markham, Esq. loves living in scenic Northwest New Jersey with her husband, Chuck, and daughter Zoe, who are visited by her soon-to-be college-graduate step-daughter Samantha. Her law firm (www.markhamlawyer.com), crafts creative solutions for her clients’ financial disputes, while helping them grow through difficult life challenges. Prior to relocating New Jersey several years ago, she lived in Manhattan and worked on Wall Street. She has had two of her letters published in the New York Times’ Letters to the Editor, and has been featured in the American Bar Association Journal. She is grateful for the fabulous education she received at Fordham University School of Law (over a decade ago), as well as for her world-class church (for which the family commutes to Manhattan), Marble Collegiate Church, and wonderful minister, Dr. Arthur Caliendro, (who shared the pulpit for several years with Dr. Norman Vincent Peale before assuming the role of Senior Minister). A confirmed math-nerd, she loves playing with the family in the evenings, quilting (with its combination of geometry and art), driving through the countryside, making snow angels, and baking anything with lots of sugar, butter and white flour (preferably sugar cookies). She’s from a blended family – of both Red Sox and Yankees fans – of course, she cheers for the boys in red (it’s the irresistible underdog advocate instinct). Originally from just outside Fall River, Massachusetts, she occasionally “paks her cah in the yahd” and has to drive to Boston for real clam chowder and baked beans. Get Your FREE 5-part Mini-Course: “5 TIPS to Wealth Training Your Kids” Name Email Get The Kids’ Bank Book Now The Benefits of Downloading Your Copy Of The Kids’ Bank Book Get it Now! Get it Fast – takes less than 2 minutes Easy download link following your order – no unzipping and no rocket scientist degrees required No shipping or “Rush” delivery charges In time for Christmas/Chanukah gift giving In time for the monetary Christmas/Chanukah gifts that your children are about to receive In time to get a smart start to the New Year A Quick Read – you can start the system tomorrow Easy to apply and tailor to your family’s specific financial situation Complete, Money-Back Guarantee The Kids’ Bank Book Complete, Money-Back Guarantee I want you to get your family – for generations to come – on the road to financial freedom. I want you to enjoy reading the book, using the bank, and watching your children grow and be happy with their new-found wealth habits. If, within 60 days, you are not fully satisfied with the book, e-mail me or call me for an absolute no-questions no-hassle refund. If you give the book as a gift, your recipient enjoys the same guarantee. The Kids’ Bank Book Excerpts from The Kids’ Bank Book “The purpose of this book is to help parents instill an “abundance mentality” and wise money management in children to such an extent that by the time children go to or graduate from college, managing money wisely is second nature to them. It is about (1) good money habits, and (2) understanding how to have money work for you (not the other way around).” “Most people think that the theory is worthless without the technique, so the tools and technique part of the book is really there to help assure your success with your child. I have included a lot of examples of HOW TO do it in real life - because that's where things usually fall apart.” “You have chosen to give your child certain monies so that he/she can practice with it and develop great life-long habits to promote his/her life-long financial wealth and abundance.” “Your financial abundance, when matched with your joyful, loving, creative, authentic body, heart, mind and spirit, creates more abundance in the lives of others.” “Imagine yourself having financial abundance so that your ROI (Return On Investments) income was so sufficient that you used 25% for your comfortable (as defined by you) living expenses, 25% for big-ticket item savings, 25% returned to be added to the investments, and 25% for donations. Would you feel good about that?” “That is what we are teaching our children.” The Kids’ Bank Book If you liked Robert Kiyosaki’s “Rich Dad, Poor Dad,” or Cash Flow 101 Game, or David Bach’s “The Automatic Millionaire,” you’ll love this book! If you, like Ben Stein, and admired and respected the recently departed economic genius Milton Friedman, who was a champion of freedom, individual responsibility, and free markets (read Ben Stein’s article/tribute to him here), you’ll love this book! The Kids’ Bank Book gives you a unique, fun, creative method so that you can pass the financial wisdom on to your children!! If you haven’t read these books or played the game, chances are your family needs The Kids’ Bank Book! Get Your FREE 5-part Mini-Course: “5 TIPS to Wealth Training Your Kids” Name Email The Kids’ Bank Book

What You Wish Your Parents had Taught You About Money Many of us were raised, intentionally or unintentionally, with ideas, beliefs, habits, or non-skills, about money, that now, as adults, we recognize as unhealthy, unconstructive, inaccurate, dysfunctional, or irrelevant money concepts. Some of the common dysfunctional money belief/habits are: · I can’t be wealthy and truly religious or spiritual at the same time – these concepts are paradoxical to each other; also known as: · I should give away my money, talents, and energy, and keep very little for me, or else I will become “materialistic”, and a “hog,” “hoarder,” a “mizer,” or a “Scrooge.” Also known as: · I should save all of my money because it might be scarce some day. · The Spiritual Teacher that I follow was poor, so I should be poor. Also know as: · I don’t really “need” money (or things) because I am about love, not materialistic things. · I must have a credit card as a security net – I need a credit card for my sense of financial security. · Without a credit card, I feel naked – I would be lost in an emergency. · Spending money is bad. · I’ll be able to save more when I make more money. · The key to being wealthy is to make more money in my job/profession. · I can’t invest my money (and become wealthy like other people) because I don’t have the education or knowledge for it – I don’t know how to do it. · I can’t invest my money (and become wealthy like other people) because I might lose it – I can’t afford to lose any of my money. · I can’t invest my money (and become wealthy like other people) because I have ZERO risk tolerance – or – I don’t know what risk-reward is. · My family comes from the other side of the tracks, so I’ll succeed at life better than them – but never as good as the wealthy people. · Money doesn’t grow on trees. · You need to work hard to have money. · AND THE ALL-TIME FAVORITE: · I don’t deserve Wealth, Money, Nice Things, because, deep down, in a secret place in the core of my being, I believe that I am not truly deserving or worthy of it. Sometimes it takes a lot of: · Healing, · Education, and · Self Improvement to overcome these well-meaning, but ultimately dysfunctional approaches to money. THEN, You arrive where you are at NOW. You now understand: · That you are worthy and deserving of goodness, love, and abundance of all kinds – including money (even if you don’t always feel that way). · That life is made up of all of the different kinds of abundance (as Creflo Dollar says “all of the pieces of the pie – love, health, financial prosperity, spirituality, relationships, creativity/profession”) – and if one is missing – then it detracts from the wholeness of life. · That money (when combined with your skills and inspiration) makes more money. · That your financial lack does not help others, or, as Dr. Wayne Dyer says, “You can never be poor enough to help a starving child.” · That ROI means Return On Investment. · That an Asset is something that gives you ROI. · That Your Divine God/Source/Universe wants good and abundance for you – but the choice to get in alignment with that truth is up to you. · That while a religious institution may shun financial abundance, what that institution has really done is to take one concept – “it’s important to help others” – and has turned it on its head and added – “at the deprivation of yourself at all times” · That spirituality and money reside as comfortably together as any other 2 forms of abundance · That financial freedom and independence occurs when your ROI exceeds your living expenses. (Robert Kiyosaki’s “Cash Flow 101” game definition of getting off of “the Rat Race.”) · That business and investment opportunities are everywhere – once you shift your focus. · That almost all consumer debt is antithetical to building wealth. · That debt used to invest in vehicles that have a profitable net ROI can be a very good use of money. · That financial security comes not from a credit card, but from a good savings account. · That a financial education about how money works and investments can be obtained with relatively little money, and with a relatively small investment of time and attention. · That financial security is not a replacement for love, wisdom, spirituality, health or happiness. · That trying to heal a love or security wound by acquiring wealth will result in irrational money attachments and habits. · That the more you know about how money works, and the more financial independence you have, the more free you are to explore your hidden talents, your unique purpose, and your gifts to others. If you have not yet learned or internalized all of this money wisdom yet, fear not. Just keep pursuing your financial education by utilizing any of the Resources noted below along with “The Kids’ Bank Book” for your children. NOTE: The Kids’ Bank Book assumes that not everyone is completely fluent in “Return On Investment,” and does spend some time explaining some key financial concepts including ROI and the importance of Compound Interest. NOW, you are blessed with Children, and you want to ensure that when they leave the nest at adulthood, they will be armed with this same financial insight and wisdom. You want to teach them great money habits. You want them to start learning now – while they’re still young - at the age they’re at NOW! Are they too old? No. Are they too young? This book will help you teach your 5 year old kindergartener – and maybe even your 4 year old pre-K child – how to handle money and even, the concept of Return On Investment! Do you have enough financial knowledge to teach them? With “The Kids’ Bank Book,” you’ll have all the knowledge you need to start today. If your financial knowledge Do you have the tools to teach them? There are VERY few “tools” on the market to teach children about money. I have yet to find a tool that is as thorough, detailed, easy to read, or enjoyable as “The Kids’ Bank Book.” In fact, that’s why it was created – because no other product completely fills this need. Do you have great teaching skills? If you are a creative teacher, then you will have fun spending time with your children and money after reading “The Kids’ Bank Book. If teaching is not your strength, then “The Kids’ Bank Book” provides the “HOW TO” that is missing from your toolkit, and that is necessary to teaching your children wise money habits. You won’t realize what a wonderful teacher you are being to your children, because you will just experience it as a fun time with your children – no lectures, no frustration, no tears. Do you have the financial resources to apply the information and tools in “The Kids’ Bank Book?” Yes! The Book has detailed worksheets that you can use – and that are right for you – regardless of your financial circumstances. It even has a section on what to do if you financial circumstances change. The Book was written for parents of a variety of financial circumstances: - Many Debt-Ridden Parents - who are on a path to get out from under credit card debt, and who want to start teaching their children good money habits as early as possible so that their children can completely avoid the credit card nightmare when they are adults. - Wealthy – but not yet Financially Independent –Parents – who are managing their money fairly well, but are not yet off of “The Rat Race,” and who want to start teaching their children good money habits as early as possible so that their children understand how money works right from the beginning of their adulthood, and who want their children to appreciate the financial abundance that provides for their very comfortable lifestyle. - Completely Financially Independent Parents – who understand how money works and how money makes money, but do not necessarily have the inclination/talent to create a curriculum or strategy – in a way that relates to children – to teach their children (1) to appreciate the financial blessings that they have, (2) to understand how money works, and (3) to become good money managers and good givers. Do you have the time to invest in reading and understanding the material in “The Kids’ Bank Book”? Yes. At just under 100 pages, and in an easy-to-read writing style, the Book is a pleasure. It is divided into 2 parts – “The Theory” and “The HOW TO.” You get both the explanation, and the application instructions. Short on time? Skip to your favorite section. The Chapters are direct and brief – so you can comfortably finish a complete idea during coffee break. What exactly will you learn in “The Kids’ Bank Book”? A review of the Table of Contents of “The Kids’ Bank Book” shows that it covers all of the topics related to teaching your children about money – the underlying theory of teaching kids wealth habits – how to start their banks – what about a bank for parents – how to determine allowance amounts – how to actually to do the weekly money day activities – why piggy banks don’t work – how to get a proper kids wealth bank (and no, you won’t find it in the open-market yet!) – what is ROI – how can anyone teach ROI to a child – how to train yourself to teach instead of lecture – what a real life money teaching experience looks and sounds like – whether your teenager should get a job – how to determine what expenses your children should pay for – charts, charts, and charts on various allowance and ROI scenarios – more TIPS – more Resources (with personal recommendations) – more information about chores – etc. Do you want to know more about what is in “The Kids’ Bank Book”? Here is a complete listing of the Table of Contents from “The Kids’ Bank Book”: PART ONE: The Theory Chapter 1 Welcome to Wealth Training Your Kids Chapter 2 The Theory & The “How To” Chapter 3 The Kid’s Bank Chapter 4 Funding the Kid’s Bank Chapter 5 Funding the Bank of Parents Chapter 6 About Allowance Chapter 7 How to Determine Allowance Amounts Chapter 8 What Does Return On Investment (ROI) Mean? Chapter 9 Determining the ROI of the More Money Bank PART TWO: The “How To” Chapter 10 How to “Teach” Money Chapter 11 How to Use Sameness and Differentness Chapter 12 Pennies Are Special Chapter 13 Other Ages Chapter 14 What Things will the Child Be Required to Use His/Her Spending Money for? Chapter 15 What to Do When a Change is Needed Appendix 1 Tips on Making a Kid’s Bank Appendix 2 Resources Appendix 3 Teamwork Appendix 4 Interest Rate & Flat Rate ROI Spreadsheets Do you want to start preparing your kids for wealth now? “The Kids’ Bank Book” is easy to download immediately. It appears in your internet browser window, and can be saved as a webpage or a Word document, for viewing or printing. At just under 100 pages, it can easily be used with a binder clip, or 3-hole punch paper in a 3-ring binder. Do you want the opportunity to ask a question of the author? A follow-up email will offer you the opportunity to receive an answer to a question you may have about how “The Kids’ Bank Book” applies to your specific situation. Of course, we always love to receive feedback from our readers, so please feel free to share your strength, hope and joy with us by e-mail at: markham@kidsbankbook.com. Do you know what your ROI from your Kids’ Bank Book $27 purchase will be? Now you’re talking! The Return On Investment of your $27 investment into your children’s financially education and future financial independence, starts with: - Your peace of mind (value: “priceless”) - Your children’s future adult financial freedom (value: “priceless,” with generations of financial wisdom, stability, creativity, contributions to society, your future grandchildren’s well-being, . . .) - Your child’s new abilities of: Planning, Anticipation, Independence, Empowerment, Responsibility, and Self-Satisfaction Then your ROI moves on to more tangible Returns: - Your allowance monies (that you give to your children) are used for learning about money - Your allowance monies (that you give to your children) are invested, saved, donated and spent wisely - No more allowance money squandered by undirected or misguided children - Your teaching efforts are well-received by your children – even enjoyed! - No more pre-teen and teenager eyes “rolling” at you while they silently utter “whatever” - No more lectures (heck, your children would probably value that at several hundred dollars!) – what do you value your energy drain at when you feel forced to lecture your children about behaving better? - Your time is well-used in applying a wise, practical, simple approach to teaching money to your children - No more wasting time and effort on various money-teachign approaches - No more researching ways to get your children to understand money - No more energy wasted on negative attitudes about money – by anyone in the family - No more money wasted on books your teenager won’t read anyway - No more money wasted on “lesson” and “morals” games that will sit in your children’s closet - No more arguments or “discussions” about your teenagers needing to pay for their own activities The thousands of dollars will you save because you won’t have to worry about them when your children become an adults (and have children of their own): - They won’t ask you for rent or light bill money - They won’t move back home for lack of funds - They won’t worry or complain about car trouble or doctor bills You will also have an opportunity in Appendix 1 of the Kids’ Bank Book to receive a 2^nd copy of the Book for FREE! So, you can get a 100% ROI! For less than the price of movie tickets for a family of three, you can have all of the tools you need to teach and instill in your children the wisdom and habits of sound money management. Do you know How you will teach your children about money, if not with The Kids’ Bank Book? Do you know When you will teach them, if not Now? Do you know What you will teach them, if not these wealth-building Habits? You can start right now, teaching them the keys to financial independence, with the best tools. You can do it even if you are not yet financially independent or out of consumer debt. It’s even more important to start now if you are financially independent, because without the right training, your children will not learn the financial wisdom necessary to maintain or grow the wealth with which that they set sail. I want to teach my children the best financial skills and habits! Show Me How in The Kids’ Bank Book Now The Kids’ Bank Book How to Teach Wise Money Management to Your Children with ü Fun ü Ease ü Smiles (not tears) ü Laughter (not lectures) Want More Resources to help you grow and overcome your dysfunctional money childhood? Here are some of the Best: Robert Kiyosaki’s “Rich Dad, Poor Dad” and Cash Flow 101 game (money education), Dr. Phil’s “Life Strategies” (uncovering the “unworthy” core), Dr. Wayne Dyer’s “The Power of Intention” (Your Divine Source is abundant), Marianne Williamson’s “Return to Love,” Joel Osteen, Creflo Dollar, and Joyce Meyer ministries’ messages (You are deserving; God wants you to have all types of abundance – including financial abundance; the important connection between giving and receiving).

© 2006 Theresa A. Markham, Esq.

markham@kidsbankbook.com

(973)764-8811