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Your 5-year-old daughter has started asking for money to buy sweets and toys. She obviously has a good understanding of the concept of exchanging money for items she wants or needs Wholesale Jerseys Online , but what are the important lessons you should teach kids about money and saving. You want to make sure that she doesn't grow up into one of those kids that are constantly pestering mom and dad for money, running up credit card debts as a teenager, and not having any idea how to save.


There are 10 basic money skills that every child should learn before they enter the teenage years. It's never too late to learn, but most children are far more receptive to ideas from their parents before they hit the age of thirteen Wholesale Jerseys Free Shipping , than after.


1. Money doesn't grow on trees! One of the best known and oldest quotes around. It is important that children understand from early on that money is a limited resource, that mom & dad's bank account will eventually run dry if they keep making withdrawals from it.


2. People go to work to earn money. Money is something that needs to be earned, you are never going to become financially secure sitting around not doing anything, and expecting handouts from people.


3. Credit cards are a form of borrowing. Believe it or not Wholesale Jerseys From China , surveys have shown that an alarmingly high number of teenagers don't realise that credit cards are a form of borrowing. If they don't understand this basic concept, it leaves them at risk of running up crippling credit card debts.


4. Avoid borrowing money where possible. Wherever possible, money should be saved rather than borrowed as borrowing attracts extra costs such as interest, which can in some circumstances Wholesale Jerseys China , double the amount of money you need to repay.


5. There is good debt & bad debt. No debt is really all that good, but some forms of debt will make you money while others cost you money. Good debt can include a home loan, investment loan or business loan, as these items have a tendency to make money above the amount of interest you have to pay. Bad debt can include credit cards Wholesale Jerseys , personal loans or car loans, as these items never make you any money.


6. If you don't have the cash to buy something, then you can't afford it.


7. Spend less than you earn. Many people these days are spending 10% to 20% above what they earn, creating a vicious cycle of high credit card interest rates Cheap NFL Jerseys , long hours at work to pay the credit cards & in some cases bankruptcy. The knowledge of how to budget your money seems to have been lost, make sure your child learns this important lesson!


8. A portion of your money should be given to the needy. Around 10% of your money should be given to those who are in needcharities.


9. Pay yourself first. This is what I call your sanity money! Allow 10% of your money for yourself to spend however you wish.


10. Save at least 10% of your money. Like budgeting, the skill of saving money seems to have been lost over the last 20 years, with fewer people than ever before having any money in a savings account.


With these lessons well and truly learnt Cheap Jerseys China , your child should have no problem managing their finances in a proper manner, and avoiding the credit trap. Don't risk your child growing up to be one of the hundreds of thousands of young people going bankrupt each year.


The Story behind Application Crashes Technology Articles | February 13, 2012
A computer or mobile application is made with a fixed set of protocols or limitations beyond which the application code cannot perform.


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Typically, an application may crash when it tries to perform a task which is not allowed by the operating system it is running on. This usually leads to a sudden exiting from the app Cheap Jerseys , restarting of the app and in some cases crashing of the device.


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So what is the reason behind this unpleasant event?


There may be a number of reasons why an app or an OS might crash. A software code written by highly skilled developers of a software development company has a lesser probability of crashing than a code written by an ordinary programmer due to the sophistication and planning involved in the whole SDLC process.


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For mobile applications, the frequency of app crashes also depends on whether you?re using Apple iOS device or an Android phone. Although studies have shown that iOS crashes are more prominent than the Android ones with iOS 5 topping the charts, it is not a clear indication of which operating system is better to use. Another advantage of android application development is that it allows the feature of auto-update on its apps unlike in Apple?s devices where you have to look out for each and every new update in order to keep the apps from crashing.


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App crashes take place mostly because of the following reasons:


·??????? Hardware problems like camera or GPS services


·??????? Problems in internet connectivity like sudden connection failures


·??????? Memory issues: App trying to access memory location for which it does not have permissions


·??????? Trying to execute invalid or unauthorized instructions


·??????? Analytics and advertising systems used by developers can also cause malfunctions.