Clipping of news on Brazilian Culture, Law and Citizenship
07.12.2015
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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RIO - The ant worked in a disciplined manner in the summer to ensure food in the days of winter. Already the buzzer brought life to sing and when the cold came, had nothing to eat. In times of crisis, the ant turned example of good practice in personal finance. With the drop in income, rising inflation and the specter of unemployment, growing interest of families in educating children and adolescents to consume, save and invest in a conscious and sustainable manner. And for now, sparingly.
- The crisis affects a generation that, until now, never been through experiences such as high inflation, currency exchange or others that wiggle in the family budget - explains Claudia Forte, Superintendent of Financial Education Association of Brazil (AEF-Brazil). - It is an opportunity for financial education to be treated seriously.
PARENTAL SUPERVISION IS ESSENTIAL
There is no single primer on how to educate children to sound financial management. Experts point out the time when the little master basic mathematical operations - addition and subtraction - as time to start dealing with money. But before learning begins.
- In financial education, the future starts when we are born. The strategy is both to encourage the autonomy of children and youth in decision making about how to spend their money - says Claudia.
The first stage of financial education, she continues, is routine or playful elements that show that the child's behavior in this will be reflected in the future.
- At the stage when the child plays to fit parts, can make a safe. She will learn that you can add coins, which can open the vault and lose those currencies. Or use them to buy something - explains Professor Mauro Calil, founder of the Academy of money.
For the process to work, experts say, parental involvement is key. Around seven years, once can calculate the change, the child can receive a semanada:
- It begins to make small purchases, like snacks at school. After 14 or 15 years, passes to the allowance which should really function as a training for adulthood when you have to manage the use of a real salary - recommends Calil.
The amount of the allowance, alert Gilberto Braga, professor of finance at IBMEC-RJ, must be defined and obeyed. And if done, can not be reset until the beginning of next month. If your child spend all learn that lack money for other expenses until the end of the month:
- It's a teaching tool. Dealing with finances is necessary for life.
Daniel Sousa, co Braga at IBMEC-RJ, remember you have to learn that every choice has consequences.
- You have to learn early on that resources are scarce and finite. The allowance should always be in accordance with the financial profile of each family. It is a mistake to opt for that approach to give all you can or what the child wants. She must learn to make choices.
Experts also cite the use of prepaid card, a sort of digital version of the allowance. But it must have monitoring responsibility.
Most of the lessons in finance for small comes home. Schools, however, already take care of that learning in the classroom.
- Between 12 and 14, teenagers should learn to have organization and planning. Using a spreadsheet helps to see where and how they are spending money - says Carlos Gaspar de Oliveira, finance professor Dinamis in Botafogo.
The lawyer Alexandre Mallet, father of Beatrice, 5 years, as conversation with her daughter about the importance of saving, teaching that effort is needed to achieve the objectives:
- I make it save money in her piggy bank to be able to buy the toy. I want her to have this awareness to save money (to buy something) instead of financing, when paying interest. I want, later, she learns to manage money and have economies - he says, who made a private pension for Beatrice when she was born.
The market is aware of these small savers. The Icatu Seguros, for example, created special area on site for children online games that teach kids to save kidding.
SITE AND COMICS
The creation of the National Strategy for Financial Education (Enef) in 2010 put learning on how to save, buy and invest consciously at the center of discussions. The AEF-Brazil, for example, has programs to the school system. It now has 1,200 schools in the project, with 200 elementary school and a thousand high school.
- We are preparing a proposal for inclusion of financial education at all educational cycles - says Claudia.
Large institutions sector in the country have special programs for children and youth. The Securities and Exchange Commission (CVM), the São Paulo Stock Exchange (BM & F Bovespa), insurance companies and companies maintain financial education programs with specific actions for infantojuvenil public.
- In August 2014, we launched a course in personal finance, distance learning program, in partnership with Veduca, online platform of higher education. In the first month we had 54,300 hits. So far, over 500 thousand impressions. In classroom courses are 29,000 people participating in a year - says Marita Bernhoeft, Director of Communications, HR and Education BM & FBovespa.
Financial education for children and youth seminar theme will be promoted by Bovespa in partnership with the CVM on Wednesday in Rio.
The CVM maintains on its website a portal with children's comics. "Saving is to keep a portion of their money to use later in the future when needed," explains Pereira Your character to Lili granddaughter.
- Without savings there is no investment. With the earned income of the population in recent years, and the new middle class, thousands of Brazilians now have the opportunity to plan, but not necessarily turned this opportunity into savings - says José Alexandre Vasco, protection Superintendent and Guidance to Investors CVM.
Source: Extra
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This article was translated by an automatic translation system, and was therefore not reviewed by people.