Archive for the 'Financial literacy' Category

Teaching tech-savvy youth about who is in control

Saturday, August 27th, 2016
So while I understand people are not receptive to religious dogma, and I am not a theologian, the freedom to worship, or not worship God is central to this civil liberty of our free society. It is freedom of religion, not freedom from religion that makes individual liberty possible. (See Dale Carnegie’s book, How to Stop Worrying and Start Living, 1944). God does not make us worship him. It is a choice granted by Him. This free will also gives us and our children the realization that we can think for ourselves and improve our own lots (one family, neighborhood, and community at a time) because God’s grace is endless and His mercy is abundant for those who fix their minds on even just one mustard seed of faith.

Is social media encouraging your teen to be a consumer or build wealth?

Saturday, January 9th, 2016
Last Monday, Marie Hall, co-founder of Living Smart Foundation in Carmichael, facilitated a personal finance workshop for teens and young adults entitled, Head Start to Money, at St. Joseph Marello Catholic Church in Granite Bay.

How to clarify the role of money in the social network

Monday, October 12th, 2015
“Social media is so incredibly superficial,” he said. “It is easy to be manipulated. So building trust with youth at home is incredibly important.” Davis describes trust as a cord of strands, wound together like a cable. “These are the deposits we make into the emotional bank accounts of our children through our regular interaction with them,” he said. “So we need to control our reactions to the things they say and do they will not be driven away.”

Defining self-worth in the social network

Friday, October 9th, 2015
While the drive to fit in and feel connected is prominent during adolescent years anyway, this drive is intensified and can be used against them in very powerful ways with mobile devices and apps like Twitter, Instagram and SnapChat. Cooper Anderson sums up beautifully how being 13 is different today with social media: “There are so many more witnesses.” When we aim to have a relationship with a crowd, our life focus centers on pleasing people which inspires great anxiety. The simple truth is that self worth is first realized from within and then expressed outwardly; it is that inner knowing that we were created uniquely for a purpose that cannot be found by consulting the crowd or measured in worldly terms (sex, approval ratings, and money)...

Two things every modern teen needs to succeed

Tuesday, October 6th, 2015
This morning Banana Moments Foundation, a Roseville non-profit education center to strengthen parent and child trust bonds in a cyber-powered world, hosted a symposium on teaching youth to know their own worth. The symposium took place at the headquarters of Living Smart Foundation, a non-profit youth financial literacy and employment center in Carmichael. Marie Hall, founder of LSF, was one of the featured speakers who explained self worth as the engine of prosperity. “When I teach youth about financial literacy, I don’t start off by talking about money,” she said. “I teach to the psychological aspect of money – the beliefs, desires and values that impact decisions about earning, spending and saving.”

Talking about prosperity and money in the social network

Monday, July 13th, 2015
But the question for me remains: will purchase decisions be purpose-driven or will retailer and peer influence reign? Cyber-powered peer communities can easily convince us and our children of things that are not true and focus on things that don’t matter. And so when it comes to subjects involving consumer power (i.e., how much money you have to spend to show others what you now possess) it is very important to have good conversations about the role of money in living an abundant life.

Why the modern child and parent need mentors

Sunday, March 2nd, 2014
Over the past decade I have come to appreciate that one of the most important things parents can do for the sake of our children and ourselves is to put aside shame. Let us consider the things that show up in dramatic, cyber-powered fashion that impart shame:

Tips for teens: Why professionalism sets you up for success in the workplace

Tuesday, November 26th, 2013
Many businesses fail for many reasons, with one of them being because the people that run and work there do not show professionalism in their work, communication, or attitude when they are representing their company or organization while on the job. These people are usually late, look strange and don’t follow through, or they make excuses. It does not matter what sort of business you are in; in order to succeed you must act professionally any time you interact with customers or potential customers. Even if you are an eccentric artist, you still have to act like a businessperson if you want people to give you their money. What makes you seem professional? Here are some thoughts.

Teaching teens how to be more valuable at the workplace

Sunday, October 27th, 2013
Most of you (teens) believe that you are paid by the hour for your work, but in reality, we pay you based the value you bring to that hour of work. Dan Clark, a certified speaking professional of the National Speaker Association Hall of Fame in Salt Lake City said it perfectly – “When the value you bring to an hour at work exceeds your pay for that hour, you become a more valuable employee, and as a result, your job may be more secure, you may have more potential to advance in your career, and you’ll have happier, more fulfilling workdays.”

Responding to cyber-powered commercialism: A Justin Bieber–endorsed bank card hits the market

Monday, May 20th, 2013
A new celebrity backed prepaid debit card, called SpendSmart,recently launched and is aimed to attract tweens, teens and their parents. I wrote a column critical of the bank card because it had penalty fees and it was endorsed by teen idol, Justin Bieber. The CEO of SpendSmart asked me to take a second look, which revealed how the penalty fees could be avoided, and clarified that Justin Bieber is the ambassador, and that SpendSmart was not a “celebrity card” like the scorned Kardashian card of 2010. I will be publishing the second look in the Sacramento Cyber Safety Examiner column later this week after a conversation with a Sacramento-based banking professional who is also a parent of teenagers. Nevertheless there remain concerns about children being targeted for commercial exploitation in the network. Below is a preview of the second look and my thoughts about the importance of helping children recognize personal motivation to purchase products or services, especially financial instruments.

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About Joanna Jullien

Joanna Jullien

Joanna ( and her husband have raised two sons in Roseville, CA. She has a degree from U.C. Berkeley in Social Anthropology (corporate culture). Her honors thesis was awarded the Kroeber Prize and funding from National Science Foundation grant. Joanna writes to help parents with the modern-day leadership challenges of raising children. She is a contributing writer for The Granite Bay View, the Press Tribune, the Sacramento Examiner, and editor of Banana Moments.