Isn’t it time to teach your child some financial wisdom? Why not teach your homeschooler about investing?

Just the Facts, Ma’am!

1. Over the past one hundred years, the U.S. stock market has returned the equivalent of over 10 bucks for every 100 invested per year.* 

2. At 10% annual return, someone at 50 years of age who wants a million when retired at 65 needs to invest $240,000 immediately.

3. A third-grader who wants to be a millionaire at 65 need invest only $5,375 now.

Where in the World?

1. Take out a globe.

2. Find a resource that lists the main exports of Brazil.

3. Have your child write them down in a notebook and then help him research Brazilian companies that make those products.

4. For two weeks, keep an “alert eye” for any reference to Brazil on TV or the Internet or in newspapers. Record those mentions.

5. Do this again with China. Now show him/her the section of the newspaper that shows how a company is doing. Next, India.

6. Explain that anyone can own a wee part of a business by investing in it. 

I’d Like a Picture of Ben Franklin for My Birthday, Please! 

  • Start small. Give your kid a Lincoln penny. 
  • Put a thin piece of paper over it, and with a pencil, have him do a rubbing. 
  • Under it, he should write out the years of Lincoln’s Presidency.
  • Expand the lesson, talking about Lincoln’s stovepipe hat, log cabin, and his nickname, Honest Abe. 
  • Proceed, using nickels, dimes, quarters, half-dollars, dollars, five-dollars bills, ten-dollar bills, twenties, fifties, and a hundred-dollar bill. Your child will get both a math lesson and a history lesson. 

In the four years that Erika Hoffman has been submitting her writing for publication, she has been fortunate to have sixty pieces published. Most are nonfiction narratives that find homes in national anthologies such as A Cup of Comfort, Chicken Soup for the Soul, and Patchwork Path. Erika earned her undergraduate and master’s degrees from Duke University and has taught a variety of academic subjects in several middle schools and high schools. Her four children are grown, and now her elderly father lives with her and her husband. 

Publication date: October 19, 2012