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The Secrets to Raising a Smarter Child
- By Inderbir Sandhu, Ph.D


~ B R A I N Y - Z I N E ~

" Learn How to Nurture A Smarter Kid "

Volume #7   Issue #21

ISSN: 0219-7642    May 31, 2009

Andrew Loh, Publisher

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For a number of parents, talking about money and finance itself is a big anathema! Most parents never talk to their children about the money and its management. Children ask for money and parents just oblige with them! As per recent surveys, many children who are growing into adults get themselves into a situation of debt by the time they reach the age of 20! Apart from parents educating their children about food, school and hygiene, it is critically important that they also teach their children about the importance of money and financial literacy. Understanding and learning about cash and credit is very important for all children so that they can learn to be responsible with their finance.

Is it possible to teach financial literacy to your children? Can you teach your children how they can conserve and save the money? When you educate your children about the importance of money, you will be empowering them to keep more of the money they get and do a lot more with the money they spend for things. Parents need not be financial experts to teach about money and its management. However, parents must understand the fundamental goals and lessons that they are trying to teach. Caring about the money and understanding its amazing characters are two of the most critical things that children should remember.

A child armed with the basic knowledge of money management will succeed in his or her future life when compared to those children who spend money in a reckless manner. Educating and empowering your children in their young age will help them grow as responsible and financially secure adults. Have a nice day!

Thought for today:
"The easiest way to teach children the value of money is to borrow some from them." - Anonymous

Best Regards,
Andrew Loh
Andrew Loh
Publisher & Editor, BrainyZine


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Money Management for Children - Part I
Managing money does not come so easily to children. Most children do not know the importance of money nor do they understand its importance and advantages. Parents have a big responsibility to make their children learn the basics of money management and fiscal discipline.

Money Management for Children - Part II
Children can enjoy the process of learning about money, spending, savings and budgeting. Parents can use a number of simple techniques to teach their children how to manage their money and develop a mind for managing their monetary resources.


Q1: Our daughter was recently given the CogAt test at school. She is very bright maintaining 95 averages in math and reading. Her lexile score ranked her at a grade level 5 grades beyond her current level. She did not test well on the CogAt and we are trying to find another testing facility to give her the test again. We live in North Carolina and would like to have her privately tested.

A: Just a short note on the CogAT. Briefly, it is a measure of a student's potential to succeed in school-related tasks. It should not be confused as a measure for intelligence or IQ. Rather, it measures the reasoning skills that have developed even though these general cognitive skills are probably not explicitly taught. They may not be specific to any content area, but these are skills used in all areas of a student's academic experiences ... Continue to read Dr. Sandhu's answer on The Cognitive Ability Test (CogAT) here.

Q2: My daughter, 6.5 years has just completed speech therapy for a condition known as Central Auditory Processing Disorder. She was discharged due to her results on the TAPs-3 being above average in all areas except one where she was within average. On subtests such as Relational Vocabulary, Picture Vocabulary, and Grammatic Understanding she scored from 8.4 years up to > 9.9 years....

A: It is really good that you are aware that your child may have advanced abilities despite having some challenges. These children are at greatest risk of being identified for their weaknesses rather than their strengths. This is termed as twice exceptional C which means the child has very advanced cognitive abilities and yet one or more learning disability which usually masks their strengths and in turn depress their IQ scores so that they appear less gifted than they really are ... Continue to read Dr. Sandhu's answer on Twice Exceptional Gifted here.

Q3: My daughter is 6 years, 5 months old. She recently completed KBIT-2 and KTEA II testing. Her scores are:

Verbal 125
Nonverbal 147
IQ Composite 141

Math 141
Reading 143
Writing 153
Battery Composite 155

I am having trouble locating a classification rating chart for these tests and am wondering whether she falls within the range of moderately gifted, highly, profoundly, etc. We are considering enrolling her in a gifted cluster classroom next year and this will help with our decision.

A: The Kaufman Brief Intelligence Test, Second Edition (K-BIT-2) is used to measure verbal and nonverbal cognitive ability. It is used to obtain a quick estimate of intelligence, estimate an individual's verbal versus nonverbal intelligence and/or to screen to identify students who may benefit from enrichment or gifted programs. Additionally, this test is also able to identify high-risk children through large-scale screening who may require a more comprehensive evaluation. ... Continue to read Dr. Sandhu's answer on Interpretation of the KBIT-2 and KTEA-II scores here.


Smart-Money Moves for Kids
By Judith Briles

When it comes to money, every parent needs a game plan. Dr. Judith Briles' Smart Money Moves for Kids is designed for teaching kids from 3 to young adult about the value and use of money. It is laid out in 5 parts: The Game Book for Parent; Kids--From Preschoolers to Preteens; The Teen Years; The Adult Rises; and The Internet. Packed with games, quizzes, the stock market, collecting, buying cars, even planning a wedding, the author makes the money maze easier.

It covers ALL aspects of money management including allowances, saving, spending, and developing the entrepreneurial spirit, getting a job, using credit, leaving the nest and much, much more. Smart Money Moves for Kids is an excellent, and very readable, resource for all parents (and grandparents!) who want their kids to have money savvy.


Money Sense for Kids
By Hollis Page Harman

Gr 4-7-In this updated edition of her 1999 title, Harman once again presents a comprehensive guide. Part one introduces different types of U.S. currency including the symbols, material, and history of paper and coins. The author explains the complicated path that money takes from the mint to banks to the consumer. Part two focuses on how to obtain a social security number and the purpose in having one and suggests how to earn money. Part three introduces the concept of how to make it grow and suggests ways to invest in stocks and bonds.

Clear, easy-to-follow exercises are provided for each chapter, e.g., dividing an allowance into three jars- "Now," "Short Term," and "Long Term." "Money Games" adds an element of fun and provides activities to be shared with an adult. A solid addition for recreational reading and for reports.



How to make your child more intelligent
The Sunday Times May 16, 2009

If you were hopeless at math at school, you probably blamed your family, which has been hopeless at math since time immemorial. You may already have passed the idea on to your children that when it comes to math, they too will be hopeless. Numeracy and intelligence generally, many people believe, is "in our genes".

Possible Issues for Brain Development of Playing Video Games
The Life Articles May 21, 2009

The human brain contains billions of nerves that link it to various body parts making it the most complex body organ. It administers both voluntary and involuntary muscles to support bodily functions, and it is responsible for developing different facets of human life.

Learning difficulties and gifted children
The Scoop May 26, 2009

Research shows link between learning difficulties and gifted children. It is often assumed that children with learning difficulties are slow but one in six of the gifted population suffers from hidden learning difficulties according to the keynote speaker at this year's conference in New Plymouth in June.

A learning diet
The Star Daily May 24, 2009

Good nutrition provides your child with all the necessary tools he needs to learn about this world. YOUR child is born to learn. He begins exploring the world very early in life. This is when immense learning takes place, and vital skills like speaking, reading, writing, and counting are acquired. What your child learns during this period is critical for laying a strong foundation, not only for formal schooling, but also for a lifetime of learning.

Playing instruments benefits preschoolers
The Examiner May 21, 2009

Listening to music nurtures brain development beginning in the womb. As a child develops, musical activities, including experimenting with playing various musical instruments, such as a xylophone, aid in brain development.

Where do preschoolers learn most?
The Daily Comet May 19, 2009

What are your thoughts on pre-school? Are very young children better off constantly interacting with a dedicated adult parent to stimulate their brain growth, or is there a benefit to socializing them with their peers at an early age? What is the optimum balance of this for raising an intelligent yet independent and socially adept child?


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