Indianapolis Recorder, Indianapolis, Marion County, 22 September 2000 — Page 30

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FRIDAY, SEPTEMBER 22,2000 ■ PAGE CIO

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Teaching children the value of money ' _ (NAPS) — Parents are their children’s first teachers. So how can you teach your children to manage money wisely? , Start early Even young children can understand some basics. For example, encourage children to save for a toy they want, and give them a seethrough bank to watch their money “grow.” Use multiple banks—one for spending, one for saving and one for donating to charity. As your children grow, adjust your lessons. Young children may not have the patience to save for very long, but older children may be able to save for weeks or even months for something they really want, or for long-range goals such as college or a car. Remember that some financial lessons are hard ones. For example, if children save to buy a toy that breaks right away, they learn an important lesson. Sometimes children start out saving for a special toy and then change their minds before they have saved enough, and that is a good lesson, too. Children need to learn that money requires making choices — and living with those choices. An allowance can be an excellent way to teach your child about managing money. According to the financial experts at Diversified Investment Advisors, children of almost any age can receive an allowance, as long as you choose an amount that is appropriate for their age and your financial situation. Be clear about what you expect the allowance to cover, and make sure there is money left over so that they will have to make choices. Help them develop a budget so they understand where their money goes. And remember that you are still the parent, so you can refuse to let them buy something you consider dangerous or inappropriate, even if they have the money. You want to teach your children to save for long-term goals as well as for a toy or CD. Set up a bank account or money market fund for your children, and consider matching all or part of the money they put into the account. This encourages them to save and shows them that you value saving. If your children have earned income, consider opening Individual Retirement Accounts (IRA) for them. Even small contributions can grow over time, starting a retirement nest egg and helping to develop lifelong saving habits. Older children may want to invest in stocks. Explain the basics of investing — including the risk involved — and then help them choose stocks or mutual funds. Some high schools and communities offer “investment clubs,” in which children can invest regularly in stocks or stock funds. Your children watch what you do, so be a good example. Don’t misuse credit cards, and make clear that you save to pay for things you buy on credit. Show them you have a savings plan and that you donate to charity. Include them in financial discussions. For example, if you are buying a car, explain how some cars fit into your budget, while others don’t. The best way to teach children how to manage money wisely is to manage money wisely yourself.

Several men, women and children make up five generationa of the Carter family. Centered la the matriarch of the family — Irene Carter Coe, holding one of her great grandchildren. Not pictured: Billy Carter II, Dwayne Carter, Cryatal and Kaleena Carter, Shonnie

Roblnaon, and their children.

The ties that bind Family strength in five generations

of Carter clan By ANNETTE L. ANDERSON ' Recorder Correspondent As some sociologists will tell you, the family has the greatest impact on socialization. So when you see a family like the Carter’s, there is little doubt that this is true. They are five generations of strong family ties, perseverance, love and support in times of need. And Irene Carter Coe and the late Claybom Carter started it all some 63 years ago, with two sons, Billy Carter II (deceased) and Terry Carter. Billy was blessed with seven children, 13 grandchildren, and five great grandchildren, and Terry with four children and two grandchildren. However, they are both blessed with a devoted mother who continues to love, care for and nurture her family. “There is a great bond between my grand-

in!' ' . . , t . . , • i . ' . mother andme, ? ’saidBelinda (porter Vyi^son, Billy’s ddest daughter. “I can’t forget bow she raised one of my younger sisters and me. And although my father is gone, I want my grandmother to know that I’ll always be here for her and to help keep our family close.” According to Carter Wilcoxson, the reason she got the family together for a portrait was to show her love and devotion to Mrs. CarterCoe. “Because she lives today is why we try to keep the relationship between family members strong,” she added. The Carters are well-known in the Indianapolis community, but they originated in Lebanon, Tenn., where the family celebrates a reunion every two years. “Not everyone is able to make it every time we have one, but a lot of my relatives are there,” offered Carter Wilcoxson. “We have lots of food and fun.”

Mrs. Carter Coe says: “Love and contact is the best recipe for keeping a family together.” At 80 years old, it would seem that for her the best recipe'for M$% life iff’to remain active. She ( stijlgiMes jfMiilill ptfkles qnd eba cha, which Bfl reHshAlS&She also continues to till the ground in her vegetable garden and flower beds. And it is not unusual to see a mass of greens she has picked and cleaned, and then stored in her freezer for winter eating. In addition to Carter family reunions, family gatherings are also common. During the summer months, there are many barbeques, and each Thanksgiving and Christmas holiday there is always dinner at Mrs. Carter Coe’s home. “Yes, we’re all together at those barbeques and holiday dinners at my house,” the energetic lady explained. “I just feel good at those times, but I’m sad and lonesome without them.” Life-long members, most of the family worships at Stewart Memorial CME Church, on the

city’s Southeastside.

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Photos and story by James Buntin

Tree dedication honors Virginia Hampton

A living memorial tree was dedicated to the memory of Virginia Hampton on Sept. 13 at the Country Gub of Indianapolis at 2801

Country Club Rd. v

Hampton died on April 4 and was an attendant at the Country Club for 47 years where she also resided. She is survived by Mildred Marnado, Grace Modlin, Pam Modlin, Charles Modlin Sr., Edith Patterson

and a host of other relatives.

Her family has deep roots in the Indiana community as they are members of “The Society of Induma Pioneers.” Early mem-

8#s HAMPTON, Pngs C9

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Child Advocates is recruiting volunteers Special to The Recorder The Marion County CASA, Child Advocates Inc. is appointed by the Marion County courts to represent the best interests of abused and neglected children. Through the use of volunteers who investigate each child’s case, the court is better informed of the needs of the child during litigation. Child Advocates stays with each child’s case until it is closed. In 1999, Child Advocates represented 2,935 children in almost 10,000 court hearings. The vast majority of the children represented by Child Advocates have endured physical and sexual abuse and who, through no fault of their own, find themselves trappeid in the confusing and often frightening world of juvenile justice. Child Advocates is now accepting applications for new volunteers to research the history of the family involved in the case by interviewing the child, family members and any significant individuals with whom the family has interacted and submit a report which is used by the juvenile court judge to advocdjjfc a placement plan for the child. The next volunteer training class is scheduled for October/November. To make a difference in a child’s life, call Jutie fctty at (317) 205-3053 or visit

Ways to improve your relationship with otherpeopl By HERBERT HARRIS 1. Make yourself UkabletJV Your power to be liked by others is invaluable on your success journey. To be likable, you must first like yourself. Then, this positive feeling you have about yoiirself will be projected to ottydr^ through your attitude. When peopl; like you, they will do things to help' and assist you in accomplishing your goals and realizing youf Vision. ' “A (person) who hath friends must show (themselves) friendly ...” (Proverbs 18:24) , ; ■ ( 2. Always remember people names. fv There is no sound more pleasaht to another person than the soundof their own name. When you remein-, ber people’s names they like i(.‘I( makes them feel that you thihK they are special. ^ 3. Express appreciation for what other people do., When you show appreciation for what others do, you give valb£ to and validate their efforts. . ", 4. Be lavish in your praise., ‘ Praise expresses your approval of what others do. It uplifts them, and inspires them to do even mbit; 5. Listen intently to otpnr people's words, comprehending, understanding, and reacting them. r i, Communication has too become the practice of two peogjfc each waiting for the other persoij'to finish talking, so he or shecan sftr( talking again. Very few people ^ ally listen to the other person, are too busy thinking about yfoqi they are going to say next, {{by; you listen is more important .thfen what you say. Listen to the otfye^ person’s whole story first. \ 6. Let the other person’s il»: terests be the topic of converS^t ' on * , V i' The best way to get and keep another person’s attention, i$ not by smooth talk designed to impress them with your own accomplishments. You get their attention by encouraging them to talk abowl their own accomplishments, {their goals and aspirations. 7. Make the other person feel important ^.; Recognize and acknowledge the importance of everyone you meet. Always focus the conversation.jEKt the other person. Be conscious of their needs and do your best to meet those needs. Be courteous and helpful in ways that are meaningful to the other person. i t.; 8. Do not criticize. l-.. Live above petty criticism. Treat others the way you would like (Abe treated. Let love motivate yoUwl^ titudes and your actions. Desire the best for everyone you meet. Be willing to go the extra mile, especially if it will bring more knowledge and understanding. When you throw dirt, you lose ground. I ? 9. Always believe that there Is a way to achieve the best resuHk Know that people come kiio your life experience for a reason. When your self-image is intactl bf! assured that you will only attract those people who are in harmony with how you feel about yourself. The others will be repelled by the positive aura that surrounds ydtf. Therefore, don’t hold back "hi building positive relationships. DO all you can to nurture and deveMp these relationships into long term associations of positive, mutnkl benefit. : « Based on The Golden 12: Vitiversal Rulesfor Achieving Success by Herbert Harris^. The bodk is published by Marlowe A Co. 1 ti ls available at Barnes A Noble Bind most local and online booksidife or by calling (800) 788-3123. 'Email: [email protected]