Word: plan
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...about the injustice of it all. But today, she recognizes that she gleaned a valuable lesson from the incident: money does not necessarily grow on family trees. "[My dad] instilled strict financial discipline on us when we were young," she says. "It taught me that it's good to plan and save, and that no one's going to come save you if you screw...
...birthright that they are free to squander at will. One of the first steps parents should take is setting up an allowance for kids as soon as they start school, according to the Gallos. "The purpose [of an allowance] is to learn how to budget, to be able to plan for things to buy - to postpone gratification," says Eileen. When the kids reach high school, parents may want to introduce debt into their financial vocabularies by allowing them to use credit cards. But the Gallos recommend training wheels first, in the form of debit cards or cards with...
What's in a number? If it's $586 billion - about 20% of China's GDP in the first three quarters of 2008 and the size of a giant economic-stimulus plan for just the next two years - then the number is a figure of considerable value, real as well as symbolic. The money, Beijing announced on Nov. 9, would go mainly to new infrastructure, homes, schools and clinics, especially in the country's poorer regions. Taken together with the recent alleviation of taxes plus changes to the rural-land law that will allow farmers to lease their land...
...comes from somewhere else, and the cost of living is inflated by residents' foreign salaries, which are easily 10 times local wages. In Little Italy, many workers have built sprawling, European-style homes - some complete with sweeping marble terraces, faux stone façades and fountains - years before they plan to return to the Philippines. The houses sit empty, waiting for the day that their owners have put their last child through school and amassed enough health insurance, life insurance and retirement money that they feel they can return home...
...Funded by the $25 fee each legally departing worker pays to the government, OWWA runs programs to support its globetrotting workforce, including mandatory predeparture orientations, free life insurance, a voluntary savings plan and, when workers return, family counseling, free job training and access to scholarships and loans. Migrant workers are also required to buy national health insurance, which extends to their families. But as more and more women leave, the government needs to step up its efforts to develop programs that specifically address the needs of workers' kids, says UNICEF. "We want children and families to be involved in every...