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<br /> INSIDE<br /> Kids & Money: pages 2-3<br /> Budgeting: pages 4-5<br /> Investing: pages 6-7<br /> ClassroomConnections<br /> DESERET NEWS<br /> SEPTEMBER 24, 2013<br /> Financial Literacy<br /> The Importance of Teaching Financial Responsibility<br /> In the<br /> book of<br /> knowledge,<br /> one of the<br /> most important<br /> chapters is about<br /> e ectively handling<br /> money — how to earn it,<br /> spend it and save it so that<br /> you are able to achieve the<br /> good things in life you desire. If<br /> you study and follow the time-<br /> tested principles of sound<br /> financial management,<br /> your dreams can take<br /> flight.<br /> Money Management for Kids<br /> C<br /> onsider the way most children see the world<br /> around them. When they’re hungry, food appears<br /> on the table. When they’re bored, they push a<br /> button and they’re watching the Cartoon N<a title="financial_literacy_2013_lowresproof page 1" href="http://viewer.zmags.com/publication/edda9378?page=1"> INSIDE Kids & Money: pages 2-3 Budgeting: pages 4</a> <a title="financial_literacy_2013_lowresproof page 2" href="http://viewer.zmags.com/publication/edda9378?page=2"> Money Management for Kids C onsider</a> <a title="financial_literacy_2013_lowresproof page 3" href="http://viewer.zmags.com/publication/edda9378?page=3"> Teaching Teens Financial Responsibility W </a> <a title="financial_literacy_2013_lowresproof page 4" href="http://viewer.zmags.com/publication/edda9378?page=4"> Creating a Spending and Savings Plan Spending — A</a> <a title="financial_literacy_2013_lowresproof page 5" href="http://viewer.zmags.com/publication/edda9378?page=5"> Effective saving practices made easy I t’</a> <a title="financial_literacy_2013_lowresproof page 6" href="http://viewer.zmags.com/publication/edda9378?page=6"> By Chad Waddoups VP—Investment & Insurance Servic</a> <a title="financial_literacy_2013_lowresproof page 7" href="http://viewer.zmags.com/publication/edda9378?page=7"> hanging market What's your invest</a> <a title="financial_literacy_2013_lowresproof page 8" href="http://viewer.zmags.com/publication/edda9378?page=8"> Making Your Credit Card Work for You By Jade Bec</a> <a title="financial_literacy_2013_lowresproof page 9" href="http://viewer.zmags.com/publication/edda9378?page=9"> Grace period — This also may be called a free per</a> <a title="financial_literacy_2013_lowresproof page 10" href="http://viewer.zmags.com/publication/edda9378?page=10"> How to Prepare for Homeownership By Amy Moser </a> <a title="financial_literacy_2013_lowresproof page 11" href="http://viewer.zmags.com/publication/edda9378?page=11"> By Sharon Cook SVP—Marketing/PR/Web Mountain Amer</a> <a title="financial_literacy_2013_lowresproof page 12" href="http://viewer.zmags.com/publication/edda9378?page=12"> Thanks Mountain America has c</a>