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EAT YOUR VEGETABLES.Wash your hands. Always say “please” and “thank
you”. We are full of advice for our children, but when it comes to
money, we often have little to say. As a result, our children may grow
up with clean hands and good manners, but without any idea how tomanage
their money.
Here are some basics that will help guide them their entire lives:
Show them the future. If your 13-year-old girl were to save
$1.000,invest(投資)it at 8% and add $100 every month, by the time she’s
65,she would have $980,983!
Be careful of credit(信用).Credit cards
can help you buy necessary things and build a credit history, but they
must be used responsibly, which means paying off your debt in time.
Explain to your children that when you buy something using a credit
card, you can easily end up paying two or three times what you would
have paid if you used cash.
Teach patience. Suppose your child
wants a new bicycle that costs $150.Rather than paying the cash, give
him some regular pocket money and explain that by putting aside,say,$15
each week, he will be able to buy it for himself in only ten weeks.
Provide incentive. Tell your children the importance of saving. “For
every dollar he or she agrees to save and invest rather than spend, you
agree to add another dollar to the pot,” says Cathy Pareto, expert in
money planning.
Explain your values. Values and money are deeply
intertwined, says Eilleen Gallo,co-author of The Financially Intelligent
Parent. When your child demands that you buy something, explain why you
really don’t want to buy it.“You might say, ‘I’d rather save that money
for your education,’” advises Gallo. Every time you spend or don’t
spend money, you have a chance to share your values.
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English Language and Culture Program
If you wish to improve your
English-language skills as well as your understanding of the Canadian
cultural context, the courses offered by ELC Evening are for you.
Whether your goals are academic, business or immigration-related, there
is a course to meet your needs.
Evening course tuition:$490,0.
All
evening courses run for 10 weeks.A $50 discount is available to
returning students or students attending two or more courses.
ELC 550
Mondays, July 7 - September 22, 2008August 4 & September 11- HOLIDAY
Mondays, October 6-December 15.2008 October 13-HOLIDAY
This
course is designed for non-native Englisli speakers who wish to take
the 1ELTS (International English Language Testing System) exam.Each
week, participants (參加者)focus on specific modules of the test (speaking,
reading, listening, and writing) to develop and improve the skills they
need to succeed on the exam.
ELC 552
Tuesdays, Aprils8-June 10,2008
Tuesdays, October 7 - December.16, 2008 November 11 - HOLIDAY
This
course is designed for participants who wish to improve their fluency
and expressiveness in English.Production skills will be targeted,
including pronunciation, intonation, rhythm, and stress.Participants are
required to complete weekly in-class assignments (任務(wù)), including
speeches, monologues, interviews, and role-plays.
ELC 554
Wednesdays, July 9 - September 10.2008
Wednesdays, October 8 -December 10.2008
This
course is designed for non-native English-speaking university and
college participants who wish to improve their academic leading and
writing skills.This course gives participants the tools required for
presenting information and building persuasive arguments in clear and
cohesive written forms.
ELC 555
Thursdays, July 10 - September 11, 2008
Thursdays, October 9 - December 11, 2008
This
course is designed for non-native English speakers who are either
working or planning to work in a business environment.Areas of focus
include handling telephone conversations, networking, participating in
meetings, negotiating, making presentations, and conducting interviews.
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