Unit 1B - Children and Money
Finding a way of teaching children to appreciate the value of money can be a problem. Yet the solution, David Owen suggests, is simple -- just open a bank. Easier said than done? Well, it turns out to be not quite so difficult as it sounds, as you'll discover in reading about the First National Bank of Dave.
Children and Money
David Owen
Parents who decide that the time has come to teach their children about money usually begin by opening savings accounts. The kids are attracted at first by the notion that a bank will pay them for doing nothing, but their enthusiasm disappears when they realize that the interest rate is tiny and, furthermore, their parents don't intend to give them access to their principal. To a kid, a savings account is just a black hole that swallows birthday checks.
Kid: "Grandma gave me twenty-five dollars!"
Parent: "How nice. We'll put that check straight into your savings account."
Kid: "But she gave it to me! I want it!"
Parent: "Oh, it will still be yours. You just have to keep it in the bank so that it can grow."
Kid (suspicious) : "What do you mean by 'grow'?"
Parent: "Well, if you leave your twenty-five dollars in the bank for just one year, the bank will pay you seventy-five cents. And if you leave all of that in the bank for just one more year, the bank will give you another seventy-five cents plus two and a half more cents besides. That's called compound interest. It will help you go to college."
The main defect in such saving schemes is that there's nothing in them for the kids. College is a thousand years away, and they probably think they'd just as soon stay home anyway. Indeed, the true purpose of such plans is usually not to promote saving but to prevent consumption. Appalled by what their children spend on candy and video games (or, rather, appalled by the degree to which their children's overspending seems to mimic their own), parents devise ways to lock up their children's resources. Not surprisingly, kids quickly decide that large sums aren't real money and that all cash should either be spent immediately or hidden in a drawer.
To avoid this problem with my two children, I started my own bank. It's called the First National Bank of Dave. I set up an account for each child, using the same computer program I use to keep track of my checkbook. Because I wanted my kids' deposits to grow at a pace that would hold their attention, I offered an attractive interest rate-five per cent a month. Compounded, that works out to an annual rate of more than 70 per cent. (No, I don't accept deposits from strangers.) Allowances are deposited automatically on the first day of each month. The kids can make other deposits, or withdrawals, whenever they like.
The Bank of Dave, which has been in operation four years, instantly turned both my children into keen savers. My son still comes to me with change he has found on the floor of the car, saying, "And credit this today." Both kids' accounts grew so fast that after two years I had to roll back my monthly interest rate to three per cent. The kids protested when I announced the change, but they nodded solemnly when I explained that the law of supply and demand applies even to the supply of money. The kids help me calculate their interest -- a useful lesson in averaging and percentages. I give them unlimited access to their funds, no questions asked, and I provide printed statements on demand.
The high rate of interest is not the only attractive feature of the Bank of Dave. Equally important from the kids' point of view is that their accounts belong to them. When they save, they harvest the benefit; when they want to spend, they don't need permission. Children who have no control over their own funds have no incentive not to beg for money and then spend every dollar that comes into their hands.
The way to help children become rational consumers is to give them more control, not less. Before we go on vacation, I'll usually give my kids an extra twenty bucks or so, which I deposit in their accounts. I tell them that they can spend the extra money on a T-shirt, save it, spend it before we leave, or do anything else they want with it -- but that while we are on vacation, they won't receive any additional pocket money from me (except in the form of communal purchases considered by custom to be vacation entitlements, such as candy, ice cream, movie tickets, and so on). Because any money they spend starts out as theirs, not mine, they think twice before throwing it away. In a souvenir store on Martha's Vineyard a couple of summers ago my son quietly studied the unpromising merchandise while a friend of his loudly cajoled his parents into paying five dollars for a toy gun, which fell apart almost before we got back to the car. My son ended up spending thirty-three cents for an unopened geode, which he later cracked open by hitting it with a hammer -- a good value, it seemed to me. If he had been spending my money instead of his, he undoubtedly would have wanted a toy gun instead.
"Children are instinctive capitalists. If given enough leeway, they quickly become shrewd managers of their own finances. When parents fail in their efforts at financial education, it's usually because for reasons of their own they have managed to make saving seem painful and dull. Money is fun, and it's almost entirely self-explanatory. The only way to teach kids to adopt a long-term perspective is to give them a short-term incentive for doing so.
参考译文——孩子与金钱
设法教育孩子珍惜钱财会是件难事。然而，大卫·欧文说，方法也很简单——开个银行就行。说来容易做起来难？其实，这事并没听上去那么难，你读一读戴夫第一国家银行的故事就知道了。
孩子与金钱
大卫·欧文
当家长觉得该教孩子们懂得如何对待金钱的时候，他们通常先为孩子开个储蓄账户。刚开始的时候，孩子们颇感兴趣，因为他们想自己什么也不干银行还会付给他们钱，可当他们明白利率小得很，而且父母也无意让他们动用本金时，他们的热情一下子就冷却了。对一个孩子来说，一个储蓄账户只不过是一个吞没其生日礼金支票的黑洞。
孩子：“奶奶给了我25美金！”
家长：“太棒了。咱们把支票直接存到你的账户上去。”
孩子：“可这钱她是给我的！我要用！”
家长：“嗳，钱还是你的嘛。你只不过是要把钱放在银行里，好让它增多。” 孩子（狐疑地）：“你说‘增多’是什么意思？”
家长：“哦，要是你把这25美金在银行里放一年，银行就会付给你75美分。要是你连本带息在银行里再放一年，银行会再付给你75美分，另加2.5美分。这叫做复利。这钱能帮你上大学。”
这类储蓄计划的主要缺陷在于，孩子本人一无所获。上大学还不知要过多少年，他们或许会想他们宁愿呆在家里。实际上，这类计划的真正目的通常不是促进储蓄而是限制消费。孩子们在糖果、电子游戏上的花费之大令家长们十分震惊（或者更确切地说，令他们吃惊的其实是孩子们的超支行为与他们自己的相似程度），于是他们便设法让孩子们将钱存起来不用。毋怪乎孩子们很快就认定，大额钱款不是实实在在的钱，有了现钱要么赶紧花掉，要么藏在抽屉里。
为了避免我的两个孩子产生这一问题，我开设了自己的银行，名叫戴夫第一国家银行。我用记录自己支票簿使用情况的同一个电脑程序给每个孩子开了一个账户。因为我希望孩子存款增长的速度足以引起他们的注意，便给他们一个诱人的利率——月息5厘。以复利计算，年息达到70%以上。（不，我不接受外来存款。）零花钱在每月第一天自动存入。孩子们也可以把别的钱存进来，想存就存，想取就取。
戴夫银行经营了4年，一下子就把我的两个孩子变成了热心的储蓄者。至今我儿子在车里找到零钱仍会来找我说，“今天就把这个上账。”两个孩子的存款增长很快，两年之后，我不得不将月利率降至3厘。我宣布调低利率时两个孩子反对，可当我解释说供求法则同样适用于货币供应后，两人严肃地点头赞同。两个孩子帮我一起计算他们的利息——这可是学习计算平均值与百分比的颇为有用的一课。他们使用自己的资金我不加任何限制，不作任何询问，我还根据要求随时提供打印的账单。
高利率并非戴夫银行惟一诱人之处。在孩子看来同样重要的是，他们的存款属于他们自己。他们存钱便会获利；他们想花钱也用不着获得许可。孩子对自己的钱没有自主权，就没有什么东西激励他们不去伸手要钱，不把到手的钱花个光。
帮助孩子们成为理性消费者的方法是，交给他们更多的，而不是更少的自主权。我们去度假前，我通常额外多给孩子们20块钱左右存在他们账户上。我告诉他们，他们可以在我们出发前用这笔额外的钱买T恤衫、存起来，或者花掉，或随便他们派什么别的用场——但在度假期间，他们就不会从我这儿再拿到任何额外的零用钱了（根据惯例被认为是度假享受的共同消费除外，如糖果、冰淇淋、电影票等）。由于他们花费的任何一笔钱都是他们自己的而不是我的，他们出手时就很谨慎。两年前的一个夏天，在玛莎葡萄园的一家纪念品商店，我儿子一声不响地仔细察看那些不起眼的商品，他的一个朋友则吵着让父母花5美金买了一把玩具枪，可几乎还没等我们回到车上，枪就坏了。我儿子最后花了33美分买了个未打开的空心晶球，后来他用榔头把它砸了开来——我看这钱花得值得。要是他花的是我的而不是他自己的钱，毫无疑问，他肯定也会要买一把玩具枪的。
儿童是天生的资本家。只要给予足够的自由活动余地，他们很快就会成为精明的理财者。如果家长的理财教育失败，那往往是因为他们出于自身的原因把存钱弄得似乎既痛苦又无聊。金钱是有趣的，而且几乎完全是不讲自明的。教育孩子们看问题要有长远目光的惟一途径，是让孩子们近期内便能尝到某种甜头，从而激励他们去那样做。
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