Mercantilist Dutch how to cultivate the children's
Heard, recently for a period of time, the children "financial" training and parent-child activities, was popular in chengdu, and many big cities.The meaning of "financial" is "financial IQ", refers to a person know, wealth creation and management ability.In recent years are seen as IQ, eq the three indispensable qualities of modern social ability.
As a result of China since ancient times "scorn" ideas, and promote the burnished inferior, only a study of "the education idea, until now, China's family for the next generation requirements, mainly focus on academic performance, physical aspects of their own parents to worry about, pay for it.
Until after grow up, so many children are to earn money, wealth management problems such as lack of experience and concept, also indirectly led to a lot of young people develop a vain, extravagance and waste, and even into the bad habits.
With the progress of the development of The Times and social ideas, "financial" fostered children got more and more parents are increasingly attention.At the beginning of all kinds of "financial" prevalent activities are also associated with this.
When it comes to money, many people may think of the jews is famous for its good at doing business.In fact, you may forget: in the 17th century,
the Dutch will set up the first company in the world: the Netherlands united east India company, and gradually developed the world's most advanced financial system at that time.
The Netherlands is famous for its "small", "trade and make money" is the national culture, the Dutch never hide his way to the heart of the love of money, make money.So, parents give the children in the Netherlands precept, hear, want to pass to the next generation of the whole society about the concept of material wealth, and how?
1.Give you $42?I'm sorry, I can't do
China has a lot of parents, as long as you can, and never let children, suffering children in trouble, even also willing to use money and their connections, ensure the child's life can "smooth sailing".But in the Netherlands, parents are not deliberately avoided to allow my children to setbacks, few parents will use money to help your child settle problem.
My friend a Dutch 18-year-old daughter read university in grade one, the Dutch university textbooks don't forcing students to buy, students can choose to the library.The girl in order to review the convenient, or bought the book for $42, is a week before the exam, she lost the book!So she decided to the library to cope with exams.
Her appointment at 10 a.m. the next day take the book to the library.Exam season there are too many people need to borrow books,
library rules: if who didn't get books within the prescribed time, the book will be postpone to the next book immediately.When the girl must get books in the night before to attend a party, crazy playing into the early hours, sleep in the next day, did not make the time to pick up a book, get to the library, the pavilion deposit book already all borrowed by others. No, the book certainly pass the exam.And then she want to go home to the father 42 euros, plans to buy a set.But her father after hearing after the incident, flatly rejected daughter (by the way, her father is a level of hundreds of millions of rich, 42 euros for him completely is not a thing). The father refused to her daughter's reason is: "you lost my own books, has been half-hearted irresponsible performance; and it is time to go to borrow books you missed again and again, irresponsible, not abide by the commitment. The two such behavior, you should accept the lesson, and take the consequences. Don't want to count on others to help you clean up the scene?"
I was on the edge and try to help your child speak: "but there is no book, the test is not ah, she already know is wrong, give her to buy one, just this once."
The friend turned around and also to me to his daughter, show that attitude loudly: "she is the most bad results, don't just taking an exam; but if not bear the consequences and digest it, she won't be able to really learn, later may not mark a lot of life!"
He watched his daughter bowed his head, and continued: "looks like just a book 42 euros, but behind the book is much more serious than 42 euros sense of responsibility and programmatic issues. As it is today, she think family should be able to handle this for her 42 euros, if we can help her, she may be in the future because of the lack of sense of responsibility, self-discipline, to take responsibility for up to 420000 euros and 4.2 million euros or more expensive consequences, who is going to help her?!"
The result is, of course, not for his daughter to buy books.Girl cried for a night, but soon cheer up, to find a way to solve the problem by themselves: she has a book and another classmate talk about good, review your lessons together, when students don't have to book and review the other materials, lend her two hours reading every day. Two hours a day "ceng" to read, can't let her to test a good result, but as you can imagine that how carefully she will review the two hours.The girl passed the exam in the end, I think she should be a lifetime will remember the experience.
2.We can do bank card after the child is born Five or six years old learning with online banking
And Chinese, Dutch people like to save money.Dutch parents from the children small start saving money, together with their children after the birth of the first thing, is to give children do CARDS and some long-term
financial fund plan.
The more general to the children at the age of five or six, parents will teach them to use Internet banking, and together they explored the financial plan.So every family in the Netherlands, it is not hard to see your parents and children sitting in front of a computer accounts, discuss plans, to discuss financial plans.
Of course at this stage, the child care about most of their pocket money how to deal with - are all saved, or into a few parts for different purposes?So parents will analysis the pros and cons with
them.Sometimes, parents will also go to a bank consulting plan with your kids.
The nature, the Dutch Banks also give full consideration to how convenient child understand financial knowledge.Such as the bank has a lot of client meeting small conference rooms, there are many children to be clear at a glance in financial toys and tools, such as a piggy bank, cartoon illustration of classification of financial toys, children can do some permutation and combination, and like to play chess and then get the answer to the financial gain or loss.
Such children grow up to 12 to 14 years old, this card can be basically to the children.Because the Dutch bank card is a card, checking account and savings account bound together, children are free to use current account withdrawals or credit card, but the money from my savings account
cannot be used without authorization, protect the continuity of the finance already so, can let the children free to some money again. In short, it is about a child's money, the adults can make children have long been involved in planning, and with this exercise, children always from begin gradually formed some money and learn about money management, other parents through the years and children
communication, processing and distribution of money to her children will also have certain knowledge and understanding.
Also worth mentioning: in Dutch family communication, parents will put the concept of charity and public welfare instilled in children.The kids are so compassionate, in their account monthly cost, there is always a part of their regular donations voluntarily to the people and animals in need of help, such as 1 euro per month to African education institutions, the local girls can also be read;Or 50 euro points to the animal protection organizations, can make some animals too much weight labor in developing countries, and so on.The children will also organize some toy clothes donated to religious charities, used to help poor children. 3.The children themselves organization activities Do your own activity budget sheet
The Dutch children attitude toward money is pragmatic and delicate.I mainly refers to the Dutch children not to obtain financial support from family for granted.
Since primary school, for example, the Dutch celebration activities are they in the teachers of the children parents with the help of their group, general activity patterns are parents and children interactive art performances and sports, activity budget is myself to the children through the team cooperation way.
Teachers typically specify three group to do budget, a team has two or three children, and choose the highest ratio of budget plan to carry out (like an auction).In order to be elected, children will strictly according to the activity process one of the most cost-effective and detailed plan.Activities if need to please people dance choreography, handling things, etc., the children will also be looking for relatives and friends to help, but they don't help the family as a "zero cost", the investment of time and energy to relatives and friends cross-town, etc., will be a basic costs.
Once, after because I attend trade shows for nutrition company left a lot of drink, I sponsored the old nephew celebration activities of all the drinks.Then I saw the child be clearly indicated in the budget: "all the drinks for the XXX sponsored, the value of the euro XXX, please do budget next year students take the cost into account."
This kind of practice is very rational, very real.The attitude of the budget, from small children do is professional and clear.If the family into completely as unpaid, will be biased in the budget, this kind of habit and
thinking, in their workplace in adulthood, is not conducive for the actual project planning and execution.
4.Why do you like this?Give me three wants to have its reason Dutch parents do not put the money and material possessions are directly related.If children see a want to buy expensive things, some Chinese parents may blunt refusal to: "so expensive, have no money to buy."Although this way directly, but one of the disadvantages is: young child will think that their own aspirations can't reach, is the reason of money, this attitude on the later life attitude is very bad. Dutch parents and children patient more discussion on this thing, such as toys, clothes have reasons and necessity.They will ask the child: "why do you like this?"Or "you give me a reason to three want to possess it." In this seemingly simple analysis of the communication, the child will be more rational to treat this thing, the necessity of to buy it there will be more clear understanding.The establishment of this way of thinking and logic can better help children learn to think and review, analysis and weigh, help children do any decision in the future.
Some children and children will look at advertisements say: "I want to send my girlfriend later diamond ring!"Domestic some parents might say: "you want to send his girlfriend a diamond ring, that you will have money oh, want to earn money you will have a good read."Thus, there has been no analysis of the essence of the desire and the necessity,
parents put a relevant material desire, and money pegged to the study result simply.
This is not completely wrong, but the logic is not fully established, misleading and pressure on children.Dutch parents tend to say this: "why is the diamond? She might or might not like like diamond. Send the most important thing is to send her girlfriend things like, do you want to spend time and effort to get to know her, see what she likes to send again." To get in the form of contract negotiations, distribution, and management of money is the strengths of the Dutch, also affects the Dutch all mode of daily life, thinking habits and education of children.The Dutch value money, but do not abuse money, don't exaggerate the power of money.Adult's attitude towards money is objective and calm, then the child's attitude toward money can be naturally is rational. The financial of the jews
Jewish financial education is the most important, is to cultivate children enjoy the idea of is delayed.So-called postpone enjoyment, is refers to the extension to satisfy his desire, refrain from "soon" impulse, in pursuit of a greater return on investment in the future.It almost is the core of jewish education, is the secret of success is one of the jews. Jews are how to education child?"If you like to play with, you need to make your free time, it requires good education and academic performance. Then you can find a good job, earn a lot of money, such as
money, you can play longer and more expensive toys to play. But if you make wrong order, the system will not work properly, you can only play a very short time, earn very little money. The end result is that you have some cheap will eventually be broken toys, and then do you still have to work more hard for a lifetime, no toys, no happiness."The most basic example of this is postponed to enjoy.
Children initially unable to understand the meaning and the value of the money, but it has some cognition of the needs of the individual.Jewish parents will, therefore, when children are to parents began to ask for something, just try to explain to children what they want is to use money to buy, and is hard to make money.
If parents don't explain, the child will be thought: anything as long as to ask their parents, they can get.And if parents are responsive, children will think everything for granted, gradually lose the sense of responsibility and self-control.
In general jewish family, parents usually according to the age to popularize concept of conduct financial transactions --
3 years old, began to teach children to recognize COINS and paper money;
4 years of age, children learn to simple calculation;
5: let them understand the things money can buy, and how is the money to;