Sunday, February 2, 2014

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EZ Cash Creator is Every 7-year old has a family member, maybe a paternal grandfather but sometimes a great-grandparent, who has no idea what to get a kid for a birthday gift. These maladroit gift-givers can be placed in two categories. The first aim and miss wildly, which is how some little girls get hockey sticks and some little boys get underwear - which, regardless of which cartoon character is emblazoned on it, is always going to disappoint.

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Some grandparents understand the limitations of being two generations removed from childhood. They throw up their hands and end up going with the utilitarian approach to gift-giving. They simply fork over some cash - like a crisp, fresh, $100 bill. The parents, or at least the mother, then privately chide the offending benefactor for putting so little thought into the gift. Meanwhile, the kid can no longer return his face to a neutral expression because this is the greatest gift he's ever received.The millions of possibilities of an Xbox game can't compare to the infinite possibilities of fully liquid cash.

The parent halfheartedly tries to get the benefactor to return the gift and replace it with something more personal, then shrugs and agrees that at the very least, it's now time to open up Junior's first bank account. Thus begins a lifelong relationship with the most misunderstood, secretive, complicated sector of everyday society - the banking industry.

You have to stash your money somewhere. Mattresses are flammable, pickle jars can break, and your car's wheelwell is an invitation to garner attention from the police. Fortunately, the bank gives you several different and exciting places to put your money.
-savings accounts
-checking accounts
-money market accounts
-certificates of deposit

The most basic banking service everyone understands is the savings account. If you're old enough to buy this book without parental supervision, then you're already familiar with the concept, but to get us started, the savings account works like this: you put money in the bank, it earns interest. Nanoscopically small interest, but interest nonetheless. To a kid, it sounds like the greatest deal in God's magnificent universe. I put that $100 in the bank, and after a while I check my balance and I've got $100.66. Free money. The kid thinks,
"So this is why grownups don't have big wads of cash lying around the house. They put their money in the bank, the nice lady behind the counter takes it, and..."
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Sunday, January 26, 2014

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