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How Do You Get Business Credit? Here's How

While the process of using private credit to get business credit sounds like a very mysterious and difficult process for the average person, the truth is that it is no different from building your personal credit profile. The only difference is that you build credit in the name of the company. In this article, we are going to show you how to get business credit so you can go on managing your business.

It all starts with you incorporating your business. This is done so that your business becomes a separate entity from you. Register your business and make sure it becomes a corporation or a Limited Liability Company. It's no use maintaining your business as a sole proprietorship because, in that case, the business becomes your personal property, not its own entity.

Once your business is incorporated, go ahead and get an Employee Identification Number from the IRS. It's a lot like a social security number, only that it's for business. Next, get a DUNS number. What is DUNS number? It is the business credit profile number assigned to company.

Once you have both EIN and DUNS number, open a checking account and a savings account in the name of the company. Once this is done, apply for credit from different vendors and get yourself billed. When you apply for a phone line for your business, for example, make sure that it is in the name of the company. Remember that you are building a credit profile for your business and the only way to do it is to pay bills on time and to make sure that those bills are paid in the name of the company. Aside from the telephone bill, you could also apply for vendor credit from your local office supply store.

Once you have some bills to pay, it's time to get a bank loan. You should have some money in your savings account because it will convince your bank that you are credit-worthy. Once the loan is granted to you, pay it on time.

As you can see from above, the process of building business credit is really similar to building a personal credit profile. The only difference is that you are doing things in the name of the company.But here comes the question, why do you need business credit? Well, you need it because you cannot rely on using cash only for your business operations.

What You Should Know About Sub-penny Stocks

For those people who already know enough about penny stocks, it is about time that you also dig deeper and know more about the dynamics involved in penny stocks. If you consider yourself an expert in trading in penny stocks, then at best you have already come across sub-penny stocks. However, for those who may have had enough experience about penny stocks but still lack enough knowledge about sub-penny stocks, it is about time that you know more about these.

To start with, it is best to know the definition of sub-penny stocks. Sub-penny stocks are those stocks that fall under the category of the $1 to $5 range. Therefore, the price involved in sub-penny stocks is practically smaller than that of the penny stocks. Now, given the fact that the prices of the sub-penny stocks do not exceed $5, it should be said that there is much risk when dealing and trading with them. It is risky in such a way that the benefit to be gained here is very minimal.

Taking caution when dealing with sub-penny stocks:

As mentioned, it is important that one should take extra caution when dealing with sub-penny stocks. Not only is the benefit to be acquired here is minimal, it is indeed not worth risking a few of your capital just so you can invest in something that does not really provide you higher capital gains. And if ever you will be experiencing capital loss, one would be able to have higher losses with only the possibility of earning small returns.

However, it may still be a wonder as to why there are still some investors who are still investing in sub-penny stocks. There is only one valid reason why this is so. It is because given the fact that they only have quite a few money to invest, it would not be a big loss for them since only a small amount of cash is involved. The tendency is they wouldnt mind losing such money because it is not at all that significant.

Perhaps there is a valid reason as to why this is so. To an extent, trading in sub-penny stocks would allow us to develop our risk management skills. In this way, you would be able to be keener and more knowledgeable as to when to take risks in the stock market and when to deal. At least you test your risk skills in something that has a low price category such as the sub-penny stocks.

Investing In Penny Stocks

The first question is 'to invest or not invest' in penny stocks. This is largely a personal decision that reflects your risk profile. If have the capacity as well as the nature to take greater risks, you could be looking at penny stocks. If your financial position is not very strong, and you have little spare money to invest, it is better that you keep out of penny stocks altogether and look at established stocks only.

Similarly, even if you have a lot of money to spare but are generally averse to taking risks, it is better that you dont invest in penny stocks. If you are the kind of person, who likes to take risks in order to increase your returns, and can afford to lose some money if it comes to that, then you could look at penny stocks.

Once you decide to invest in penny stocks, you should take care to ensure that your investment has a reasonable chance of giving you good returns. For this purpose, you should look at a number of things such as the penny stock list as well as the reputation of the company and its promoters, past history if any is available, and also assess the fundamentals.

Finance Managers and accountants use the term fundamentals to refer to the intrinsic value of a company. The prices quoted in the share market are the result of many factors such as market sentiment. The fundamentals of the company on the other hand will show you what the company is actually worth. This consists in understanding the real value in terms of the assets and the revenues of the company. If you invest in a company with good fundamentals, the chances of you losing will be greatly minimized.

Another golden rule that is applicable to all shares, but particularly true in the case of penny stocks is the old adage, 'dont put all your eggs in one basket'. This is true even if you have inside information. Inside information refers to private information that you possess about a company that is likely to affect its share value in the short run to a major extent. For example, if you knew that company A is likely to be taken over by a major conglomerate offering a high price to the existing stockholders, and if this is not yet known to the general public, you have inside information. You have information that makes you pretty sure that the share price will rise in the market substantially once this fact becomes known.

So it is usually safe to act on inside information, assuming of course that it is reliable and true. However, even in such cases you should avoid over exposing yourself, particularly in the case of penny stocks. Plans simply fail to materialize, for example, in which case you may be left holding a stock that has little value. Remember that theres many a slip between the cup and the lip.

The next important thing to keep in mind while considering penny stocks is that you may not be able to sell them quickly, particularly if you have a large quantity. So if short-term liquidity is a concern for you, you should avoid investing in penny stocks. It is much easier to sell stocks that are traded on a regular stock exchange and ones that are well known and frequently traded.

To conclude, remember that penny stocks carry greater risks and less liquidity. Avoid over exposure. Invest after investigating. If you follow these rules, are careful, and lucky, you may make a good profit from penny stocks.

Professional Advice If You're Dealing With A Personal Injury

Has someone caused you an injury? Are you looking at years worth of rehab or medical care because of it? If so, there is a good chance that you have reason to sue them for your injuries. The tips below will help you build a case against the person that have hurt you.

Las Vegas personal injury lawyer is what you need if you have been injured in Nevada. They can help with your situation.

Making sure you have representation if you are planning on sueing them is number one priority. You must find an attorney that specialize in personal injury, this is a must.

If you have medical bills as a result of your injury, make sure you keep copies of any bills. Remember, you can be reimbursed for more than just your out-of-pocked expenses. You are entitled to the actual cost of the treatment you received or the medicine that you took. Make sure you file all of your invoices so you have the proof that you need to give to the court.

If you lost income as a result of your injuries, you will need proof for court. Speak with your employer and ask them to give you a statement that outlines how much money you earn and how many days of work you missed because of what happened to you. Depending on whether you earn an hourly wage or not, your income tax return could also be valuable documentation to bring with you.

When choosing a personal injury lawyer, pay special attention to the size of their firm. Generally, larger firms mean that more than one lawyer may work on your case. These are usually Associate Attorneys who are trying to gain some legal experience, while having a senior attorney oversee and make the final decisions. Smaller firms can usually provide better management by having fewer people working on a case. Feel free to ask if other attorneys will be working on your case in any firm you're interested in.

A very common type of personal injury lawsuit can be brought against a property owner when a customer slips or falls on their property. If you fall and get hurt because of unsafe conditions, the property owner can be held liable for your medical costs. Make sure you make a detailed record of the situation.

If you have been involved in an accident, you may be entitled to a cash settlement. To get you the most money, you should hire a personal injury attorney. To find the best one for your case, you should ask friends and relatives for referrals. Seek out referrals from someone who has been through a personal injury lawsuit.

When picking the personal injury lawyer that is right for your needs, take advantage of the free consultation that is offered by most reputable law firms. Ask for the details of how you will be billed for the service you need and make sure to be completely honest with the lawyer about the details of your case.

If you take what you have learned here and put it all to work for you, you could win your case. There is no need to struggle for the next several years to pay your bills when the person responsible gets away with it. Make them pay today so you can live a life worth living.

Do You Need To Hire An Attorney? You Must Read This!

Lawyers, rightly or wrongly, often have a reputation for being somewhat less than straightforward and honorable. However, by taking the time to learn about selecting and working together with a lawyer, you will come to see that not all lawyers are created equal. Continue reading to learn ways to make your relationship with the legal profession a healthy and useful one.

Never hesitate to ask your lawyer about any part of the fees you do not understand. There are many people that have issues with the fees they are charged by an attorney, but many of them do not say anything. There is a chance that you can do some of the work yourself and save a little, so make sure to ask about that.

A good tip if you're thinking about hiring a lawyer is to listen to your gut when it comes down to whether or not you're going to hire that person. Your lawyer is going to represent you in court, so if your lawyer seems unscrupulous, it's going to fall back on you.

Another way that you can learn more about a good personal injury lawyer Las Vegas is to ask around. You can search the internet, but then ask friends and family about anyone that you found on the net. Have they used this attorney before? Was he/she good and easy to work with? Was he concerned about their needs and listened carefully to what they had to say? Friends and family are great choices for a reference for a lawyer that you need. You can then meet with the attorney and discuss your case and form your opinion then.

A lawyer with a proven track record with cases similar to yours is invaluable. There is no guarantee that your lawyer will be able to make all of your problems disappear. Ask a few questions to your lawyer if you cannot find any information on their website.

Do not make the mistake of believing that an older lawyer automatically knows more than a lawyer that is a bit younger. Someone may have been in practice longer, but that does not mean that they automatically have experience in the area of law that pertains to your case.

Most attorneys charge for their services by the hour, but hiring one with a lower hourly rates does not mean your total cost will be less. If your lawyer needs two hours to complete a job that some other lawyer can complete in an hour, you will pay more in the long run.

Know just exactly how much opportunity cost you are giving up when choosing to go to court. Any case takes time, and just how much time depends a lot on the ability of your lawyer. If you choose a young lawyer to save money, you may find that the case takes many more weeks than if you had gone with someone more seasoned. Those weeks can be many hours of lost pay! Do your homework here and make sure the math works out for your choices.

Try not to make money an issue when you are trying to find the best lawyer for your case. The object is for you to get out of the pickle that you are in, and sometimes this means to shell out a couple of extra dollars to get the desired result.

If a lawyer tells you your case is a slam dunk, run for the hills. Good lawyers would never make a claim like that, but scam artists sure would. There is nothing so cut and dry about a case that it can easily be seen as a win before the research is done.

Always consult an attorney before filing a claim. A lawyer who specializes in the field will give you a better chance at winning your case. Independent research will help you somewhat, but you will never have the same knowledge as an expert in their field. Make sure to chose wisely.

If you are unsure whether or not your lawyer is doing his/her job well, don't hesitate to ask for a second opinion. Switching lawyers may be tough, due to prices. Instead, just get a second opinion.

You should wait a while after you meet an attorney before deciding whether or not to hire them. After the first meeting, call a few times to see how long it takes for them to get back to you. If it is not an acceptable time, you should hire someone else.

Just because a lawyer is successful at their job, doesn't mean they are the right lawyer for you. Make sure that you are comfortable with them. as well. You should make sure they are someone you are able to get along with.

You are paying your lawyer, so do not feel like you are stuck with them. If you do not feel as if they are doing a good job, giving you good advice or you just do not like them, don't hesitate to fire them. There are plenty of other lawyers that will work out better for you.

It is often the case that lawyers are seen as a necessary evil, only to be consulted when things really go badly. The truth, though, is that if you educate yourself about what lawyers do and how they can help make your life easier, you are likely to see things differently. Hopefully the information above has been a useful resource to help you do just that.

How Accountants In London Do Financial Planning

Most people do not realize that proper financial planning is important for all of our many life stages. Accountants in London will be able to help you realize where you are at in your financial planning stage and help you to realize your long-term goals. They will help you understand what to expect for the future and what you need to do to meet your goals.

Without a doubt, every person's and family's situation is going to be different and unique. Some people start planning for the future early while others wait until later in life. Every person has different needs at various points in their lives. What is important financially to a 25-year-old is going to be much different than that of a 55-year-old.

While there are several intricate life stages, the following are the basics of financial life planning.

The Building Of Assets

This is the first stage that begins early in the adult life that starts with the accumulation of assets. The majority of assets earned will be through your chosen career, so it is vitally important to invest heavily in your chosen occupation. At this time, it is wise to set up an emergency fund and savings account as well as paying off student loans. It is best to double the payment if possible to lower the amount of debt you are carrying at this stage in life.

Thinking Of The Future

As your income grows and there is more stability in your life, there is more available income. At this stage of life, it is important to start thinking about future goals. These can include a child's college fund and retirement. Talk to accountants in London about setting up a tax-diversified and well-balanced portfolio of excellent growth opportunities.

Retirement Planning

As you near the time for retirement, it should be your only financial priority. It is a good time about thinking about your lifelong goals and dreams. Discuss this with your accountant to devise a plan that will help you reach it. It is important to have the flexibility to use income in tax-efficient ways that will allow you to continue the same lifestyle you are used to and be ready for any unexpected surprises along the way.

Entering The Retirement Stage

As you retire, it is time to implement the plan you have discussed with your accountant and enjoy all the assets you have accumulated over the years. However, it is important to always evaluate your situation so your income stays on track.

Creating A Legacy Fund

At some point in life, you will realize you have fewer days ahead of you than you have behind you. At this point in time, it is important to think about leaving behind a legacy fund. This is a fund that will leave a direct impact on the people, causes, and charities that are most important to you. It is vital that you have the right beneficiaries in place to protect your valuable assets.

Regardless of the stage you are in, it is important to discuss your situation with your accountant. It is important that all of your legal and financial documents are always in order in the untimely event of your death. Your accountant and lawyer will be sure that all of your assets will be properly transferred to the correct beneficiaries. With proper planning and advice from a London accountant, you will have the peace of mind that every stage of your life is protected and planned for.

How To Get Womens Cheap Car Insurance

Usually women do not have as many accidents as men so their insurance rates are lower. You can still even more with a few tips.

Shopping Around

By shopping around, youll find that you can save up to $1,000 by shop from one company to another for the same coverage. Get quotes from many companies for the best price.

Comparison sites are the perfect place to start to get quotes from many high ranked insurance providers.

Take Advantage of Discounts

The comparison site will ask you to answer questions to get you the best rate possible that will save you money and get the coverage you need.

Within the questionnaire you will be presented with opportunities for discounts on the policy you need. Click this link for more information.

The following will give you basics on how to save.

Save money by increasing your deductible. If you dont have any accidents, this is an ideal solution.

Dont add collision coverage or comprehensive insurance coverage for old cars if your car has a very low value.

You dont need additional medical coverage if you have a medical policy outside of the auto insurance policy.

If you have roadside assistance already, dont add this to your insurance policy.

Cover all of your vehicles on one policy to qualify for a discount.

Dont add rental car insurance to your policy. Most of the time, people dont need it if they have a good record.

Security systems and safety features will lower your rate.

Buying Auto Insurance On the Web

Comparing Rates Online

You will need to find the top companies that offer lower rates that are up to $1,000 lower. Get insurance quotes from an online site and then compare before you buy online.

Higher deductibles will decrease your premium and give you a discount of up to half off.

Take off unnecessary coverage such as collision if you have a car that has a value lower than the premium. Get rid of comprehensive coverage for older cars but leave it for newer ones.

Buy other types of insurance policies and also insure multiple cars on the same one to qualify for bundle discounts.

Dont buy different coverage from different companies. Youll pay 15% less by sticking with one for all needs.

If you dont have one already, get a security system installed to decrease your rate.

Ask for other discounts the company may have and apply them. Sometimes students can get a discount.

Choose The Right Turbotax For Your Needs

TurboTax is a user friendly self-preparation tax program, which simply means it is money well spent if you buy it. TurboTax will normally ask you questions as part of its interview process and based on the answers you feed it, the software will guide you to the next section. This tool is also popularly referred to as the "GPS system" since it maps out the tax preparation for you.

The concern for many people is not whether or not to buy TurboTax, but the question which TurboTax should I use? There is Home and Business, Premier, Deluxe and Basic version. It is up to you to choose one depending on what it is happening in your life.

You might be wondering "which TurboTax I need". Before you think about this question, you have to know that every new version is based on the old version and only new features and tax forms are added to it. As already mentioned, the program will take you through an interview and you will only have to fill in the appropriate answers. TurboTax will then double check the information you entered in and it will then calculate your tax returns based on the given data.

While considering which TurboTax you should buy, you may also look for a program version that will be able to import tax data from the previous version or from QuickBooks and Quicken. Even if it is simple to use, every version of the TurboTax will also allow you to call a tax professional for only a small fee. TurboTax lets you e-file up to 5 tax returns free of charge.

If you have finished comparing TurboTax versions, you can buy it online so that you can get the CD in the mail or you can download the program directly. After you have bought a CD, you will need to update it online because during the time from when the CD was published, some updates may not have been available. This is why it is always better to buy the downloadable version.

When it comes to the TurboTax version comparison, it may depend on your own situation. TurboTax Basic is going to fit your needs only if you have a simple income, you have to make payments on the cars, you have interest income from a bank, and you have children at home. The Deluxe version is for someone who has more complicated tax returns, while Premier is good for someone who deals with bonds and stocks and other investments.

Questions To Ask Accountants In Watford

Finding a new accountant for your business is a big job. It can be time consuming and tedious if you don't know what to look for and what questions to ask. Below are some questions to ask the potential accountant and some questions to ask yourself. Getting a solid answer to these questions will help you make a better decision when it comes time to choose an accountant for your company needs.

Do They Offer The Right Services?

The job of an accountant is no longer just signing papers and preparing taxes. In-depth financial analysis and reporting can be utilized year-round. A professional accountant is an integral part of the financial process of any business, even after tax time has passed. Finding accountants in Watford capable of handling a variety of different tasks is crucial if you want your business to succeed and to maintain a competitive edge.

Accountants in Watford can now be involved in all aspects of financial preparation and application without even being physical at your business. Cloud based computing makes it possible to work side-by-side with your accountant without actually being side-by-side.

Are They Properly Qualified?

Hiring a new accountant can seem a bit like a gamble. Qualifications are there to reduce the risk and help you feel comfortable with the professional you are choosing to work with. There are several institutions in the area that offer qualifications. Ideally, you want your accountant to be qualified through one of the big-name accountancy institutions.

The Chartered Institute of Management Accountants (CIMA) and the Association of Chartered Certified Accountants (ACC) both qualify a large number of professional accountants in Watford. If you're looking for the best of the best, then you want an accountant who is qualified with one of these institutions. If not, there are still some other institutions that offer qualifications as well, but you'll need to do your research and see what sort of standards they hold for their accountants.

Qualifications are important because they let you know the accountant holds himself to a certain standard of work. The organizations above both take actions against accountants who don't meet their high standards. Another institution that offers qualifications s the Institute of Chartered Accountants (ICAS)

What Sort Of Experience Do They Have?

While it's true that every accountant has to start somewhere, chances are you don't want them starting with your company. You want an accountant who has plenty of experience in the field and can handle whatever hardships might come your way. The more experienced an accountant is, the more problems they've encountered and overcome in their career.

Do You Actually Like Them?

This might seem like a trivial question compared to other aspects such as experience and qualifications, but it's important nonetheless. An accountant will be looking at sensitive financial information and offering advice when needed. It's important you trust them and like them enough to take their advice seriously. You want to find an accountant you can get along with from day one so you'll actually want to hear what they have to say.

How To Take Care Of Unnecessary Expenses And Save Money

You make money but you do not grow financially in any way. That is very serious. You need to find a way to manage your expenses in a much better way. In this article, we will try to shed some light into understanding the relationship between your income and your expenses, so that you can become a good manager of your own money.

The first step is to determine your income. Find out how much you earn monthly excluding all the necessary deductions such as taxes. Be as thorough as possible. It will help you understand how much you are worth. Include not only money from your formal employment but also all incomes from any other sources. If you want to know whether you are on the right track, just make sure your income is always more than your expenses, if not then you need to review your options.

Here is a good video on the topic:

Once you have known how much money you have, write down all your expenses, basically every item or service you spend your money on. The expenses will include things like

  • Food
  • Car repair
  • Baby sitting services
  • Hair care, spa and others
  • Insurance premiums
  • Rent or mortgage
  • Car loan

When you clearly look at your expenses, you can identify a few if not many things that are an unnecessary burden to your financial status. Reduce or eliminate them completely. For instance, that Starbucks coffee is not going to save you money. Make your own coffee at home.

Energy bills account for a considerable part of your expenses. To reduce these bills you can replace your ordinary windows with improved ones that work towards minimizing energy consumption. Instead of using a water heater with a tank, try using a tankless water heater. It is more efficient in energy consumption. Do not overlook that drop-by-drop leakage in your pipe system, have a plumber fix it before your water bills rise. The dishwasher is useful but you should only use it when you have a full load of utensils.

Invest in appliances that save energy. There is always something new that is better and more energy-efficient than the old-fashioned appliances. However costly a new appliance could be, buying it will save you money on your energy bills for many years. If any of your appliances has a light indicator, unplug it to cut energy bills. It could be a repetitive activity but very beneficial in the long run.

You can never dictate the weather and whatever season it could be, you would not want to be inconvenienced. Therefore, improve your insulation and repair your roof to ensure no energy is lost. Insulation and roofing systems could cost you a lot of money in maintaining them unless you upgrade them.

Reasons To Retain A Professional Truck Accident Lawyer

Truck accidents happen more frequently than you probably realize. It is never a pretty sight when a truck crashes into a smaller vehicle. Typically, the driver of the smaller vehicle is at fault. Auto motorists often jump into lanes with trucks, without signaling or comprehending how close they are to the truck. Nevertheless, an injury using a truck isn't always the auto driver's fault. Then perhaps you are in need of a truck accident lawyer, if that describes your injury.

Reasons for Contacting a Lawyer at

1. A truck driver ran you off the road and totaled your car. You'll definitely need help getting a new car or paying for repairs. In case the truck driver has insurance, that might take good care of your expenses. You might however wish to contact a lawyer, even if he does have insurance. The truck driver's insurance company might balk at giving you the cash you really deserve. Then you need a lawyer to help you sue the driver for damages, if the truck driver doesn't have insurance.

2. Your car was crashed into by a truck driver and you're critically hurt. Harms can cause a myriad of difficulties. You lose the capacity to work might lose your job or suffer from debilitating, irreversible damages. In this instance, you'll likely need to sue even if insurance is involved. It is true that your insurance should cover your medical expenses.

The truck driver's insurance should insure your automobile and maybe some of your medical damages also. However, what happens if neither of you have insurance? That's when you unquestionably contact a lawyer. You're going to want help getting what you are owed.

3. The truck driver is suing you but it wasn't your mistake. It is a standard instance of your word against the truck driver's word. You will require a lawyer to help you navigate the minefield. This type of case will most likely involve contacting witnesses and police officers. Before it is all over it may get a little filthy. However, if you actually are innocent, you've got no cause to worry.

You'll never need to manage any of these scenarios, in the event you're lucky. But if the worse does happen at least you'll know what to do. Get in touch with a truck accident lawyer for assistance when possible. Request recommendations from loved ones and friends. Locate one which makes you feel at ease, and an attorney which you can trust.

Teaching kids ABCs of personal finance, investing

When Miami attorney David Bianchi and his wife realized their 13-year-old son was not learning anything about money, personal finance or investing in school, they thought about buying him some books on the topic. But most of the ones they found seemed too textbook-like for a teen.

So Bianchi, who has invested in start-up companies and has an undergraduate degree in economics from Tufts University, decided to write down some basic information about finances to share with his son. What began as 10 pages turned into 100 topics with illustrations that have been published in his new book Blue Chip Kids: What Every Child (and Parent) Should Know About Money, Investing, and the Stock Market.

USA TODAY talked to Bianchi about his book:

Q: You recommend kids be disciplined savers and conservative spenders. How do you get that message across to them?

A: The most important lesson from the entire book is teaching kids that they must live within their means, to save some of what they earn and to avoid the temptations of having to buy every new thing they see or everything their friends may have.

I tell kids about the satisfaction they will have from building up a savings and investment account and knowing that they have a financial cushion in life. Even at a young age they get it. Blue Chip Kids teaches children (and their parents)

Blue Chip Kids teaches children (and their parents) the basics. (Photo: Wiley)

Q: What is the hardest concept to get across to kids?

A: The hardest thing is getting them to understand why they need to spend time learning about money at a young age. They often want to know why they can't just wait until they are older. I tell them they need to learn it now for several reasons.

First, the better money management skills they have by the time they graduate from high school the better off they will be in college and later on.

There is over $1 trillion of student debt outstanding in the country, and most of it was taken out by teenagers. If kids were better educated about money, they would be more careful about taking on student debt.

Second, they need to understand the power of compounding investment returns at a young age. The book talks about the power of compounded returns over time and has examples of that.

I explain to them that they will have much more money over their lifetimes if they learn to save, invest and watch what compounding can do to their money from day 1.

Third, I tell them that we live in an increasingly competitive world, and for them to get ahead and compete they need to know how to earn, manage and invest money sooner rather than later. Kids from around the world are learning about money right this minute, and America's kids need to be money smart as soon as possible.

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