申論題

(B)(15%) If your child is asking for Ugg boots, a pricey hot toy or a smartphone for the holidays, it’s time for a teachable moment. Even if your kid don’t ask for such priced gifts, the holidays are still a great time to hammer home some important financial lessons. In fact, parents have to lead by example. If they buy gifts for their kids that stretch their own budgets, they’re only hurting their families when the bills cause financial hardship and stress in January. Money is an ambiguous concept for young people, which can result in an “I want it all” approach to holidays. It may not look as good under the tree, but cash is a great gift. Your kids could get the gifts of their dreams – or might reconsider when the cash is coupled with their own money. There is no shortage of options if you’re faced with an annoying wish list from one or more children. If the $100 LeapPad Explorer kids’ tablet is too pricey, the $20 Disney AppMates (downloadable apps) can also make a good option. LEGO® sets and Barbie dolls were two of the most searched toys in the past two weeks, says digital analytics firm Compete. Compete retail expert Lindsay Steinbach says those reasonably priced – and more traditional – toys’ popularity show “how much of a role parents have in influencing the toys that their children are interested in.” In other words, smart parents know how to keep their children on track of their budgets.