Getting your children to understand the importance of saving money isn’t easy. Developmentally, children don’t even understand the concept of the future until around age 6 or 7, so getting them to understand about saving before that age is particularly difficult. However, even the most difficult job is possible with a little creativity! Here are a few tips on how to get your little ones to understand that their piggy banks serve a higher purpose than just looking cute.


Family Features – When the acceptance letter arrives from a college or university, it’s cause for celebration. But it’s also time to do some serious number crunching and take steps to mitigate potential education-related debt.

The Institute for College Access and Success (TICAS) estimates that the average student leaves higher education with a diploma in hand, and a debt load of more than $26,000.

Even families who have saved for postsecondary education for years find themselves looking at ways to manage expenses as the cost of tuition, books and room and board continue to rise. Exploring both traditional and non-traditional sources of financial aid can help make those mounting expenses more manageable.

/Voice Files/Voice FilesSince its inception in 2008, The Jewish Women’s Renaissance Project’s (JWRP) Momentum program has sent thousands of women on eight-day trips to Israel in its mission to “empower women to change the world through Jewish values that transform ourselves, our families and our communities.”


StatePoint – Every so often, it is a good idea to take stock of your finances and identify short and long-term priorities.

Following is a checklist of financial to-dos.

Charitable gifting allows you to satisfy your personal philanthropic desires and fulfill your estate-planning objectives. The “charitable deduction” allows you to deduct the value of property you give to charity from your estate and may reduce any federal gift and estate tax that may be owed.

You may wish to give to the charitable community out of devotion, moral obligation, altruism, generosity or a sense of responsibility. Or you may want to give because you believe you will do a better job of distributing your wealth than Uncle Sam. Whatever your motivation, charitable giving should be gratifying.