warn!
This is not a drill!
According to reliable information, recently, a fraud activity involving the widest range, the largest number of deceived people, the age of the deceived people is generally minor, and the amount of money involved is sweeping the country!
Highly recommend downloading the National Anti-Fraud Center APP!!
One of the most iconic words of this scam is:
- "Baby, your old money, your mother will keep it for you?" ”
In this scam, some children will obediently hand over the money, and some will struggle, "Then when will you return it to me?" "But in the end there is very little left, or all of them are handed over...
Right! This is connected to the N generation... The most anticipated money. Generation after generation is routine, and every year there are new pits.
What is the origin of this pressure on the old money, why do adults and children are "fascinated" by it?
The origin of the old money
I really went to check the pressure money that everyone is concerned about, and it is not a product of modern times. As lucky money, the earliest pressure money was produced in the Han Dynasty, when there was a pressure win money, and there was also a big pressure win money.
Legend has it that in ancient times, there was a kind of little demon named Qi (槹), black body and white hands, every year Chinese New Year's Eve night out to touch the child's head, the child who was touched too much head would become a fool.
In Jiaxing Province, there is a family surnamed Guan who is afraid of crushing and harming the child, so they play with the child, and the child wraps eight copper coins in red paper, and the eight copper coins wrapped are placed on the pillow. In the middle of the night, a strong wind blew open the door and blew out the lights, and when the little black man touched the child's head with his white hand, the child's pillow mirror cracked a bright light, and he hurriedly retracted his hand and screamed and fled...
The Guan couple told everyone about using eight copper coins wrapped in red paper to scare off the child, and everyone copied it, and sure enough, they would never dare to harm the children again. It turned out that these eight copper coins were changed by the eight immortals, who secretly helped the child to return the secret. Therefore, people call this money pressure money, and because of the harmony between the money and the years, with the passage of time, it is called pressure money.
Later, after dinner, the elders of Chinese New Year's Eve distributed the money prepared in advance to the juniors to help the juniors suppress the evil spirits. So far, pressing the old money is more of emotional communication and good wishes for the younger generations.
And the pressure money in the south is not much the same as the one in the north, the pressure money in the north ranges from one or two hundred to one or two thousand, while the pressure money in the south is basically within one hundred yuan, most of which is 10 yuan (Guangdong's "li is" several pieces, a good color head).
But one thing is very similar, that is, most of the children's money is left by the parents or "kept on their behalf"...
In the past, did you ever have the experience of having a red envelope in your hand before it was hot enough to be taken away by your mother for "safekeeping", and then it was no longer heard?
For me, the real money, which is actually my New Year's gift, has always been a book.
Until I became a mother, had a thousand sisters, and had trillions, the "pressed old money" I gave them was also a book.
I think that's the inheritance.
Many people think that they have been "cheated" by their parents for a long time, and finally they have become parents, and they can finally pit their children's money!
I'm sorry, mom and dad who are thinking of "keeping" the child's money, I consulted a few lawyer friends, but I want to remind you Oh -
According to the Civil Code:
If the child is a minor over 8 years old, he or she is a person with limited capacity for civil conduct and can independently carry out civil juristic acts that are purely profitable; red envelopes are pure profits, and parents can help their children keep them, but they cannot spend them for their children.
The acts that a person with limited capacity for civil conduct can independently carry out should also be compatible with his age and intelligence, and the amount of money that the child can freely dispose of should also be treated specifically according to the actual situation.
So, the old way doesn't work!
Press the old money, you really have to give the child!
Our family from the birth of the child, 3 annual pressure money, birthday red envelopes will be recorded in a small ledger, dad will also help the child to store in the card, buy a small financial management.
However, more parents are worried about:
If the money is all given to the child, what if the child spends it indiscriminately? Often on the news, there are "children brush gifts to anchors" and "children charge game coins..." Shivering, rather than ho ho drop, it is better to manage parents.
The "talk" method of pressing old money
Don't be afraid to "talk about money" with your child:
Establish the right values for your child, namely:
Values > value > price
Help them slowly understand that different types of money or work are actually serving different social values and personal choices.
The second is to help children know what money means to each of us. Children can also understand what blessings the money represents and why it is limited to the New Year.
Finally, everyday life helps children understand money through gamified and scenario-based life experiences. For example, take her to the supermarket to buy, and even help the family make financial plans together.
Let the child not lack money, but also do not lack love, is the most successful financial education. So try to talk to your children about "money" and let them understand from an early age:
1. More important than price is value.
2. More important than work is life.
3. It is more important than learning to be a person.
4. More important than harvest is sharing.
5. More important than family circumstances are boundaries.
6. More important than wealth is happiness.
7. Even more terrible than lack of money is the lack of love.
An aid to talking about money
Pocket money is just a short-term event, more of a weekday money education. The following is to recommend several sets of picture books for financial and business education enlightenment, hoping to provide some help for parents!
"Puppy Money Money"
The girl, Gia, rescues an injured Labrador and calls it "Money Money" because it seems to react when her mom and dad are bothered about money. It turns out that Money money not only talks, but is also a real financial expert, it teaches Gia how to "deal" with money properly, and changes the fortune fate of her family...
"Buffett of Europe" Bodo Schaefer uses vivid money fairy tales to dismantle the seemingly complex laws of wealth one by one, and further guides how to practice confidently and resolutely in life. He created shortcuts to understanding money and finance, teaching us how to get richer in a lighthearted and fun way, and teaching us how to live a happy and free life with the help of money.
"Money management is really fun"
"Money Management Is Really Fun" includes "My Pocket Money", "Spend money with a plan", "The Magic Bank", "Where Does Money Come From", "The Secret of Wealth" 5 picture book stories and 1 book of "Financial Management I Can Do" game exercises, through edutainment stories and lively and cute pictures, let children fully understand money, so that parents no longer have to worry about talking about money.
From crying and crying and asking for money from their parents, to getting pocket money with their own labor; from spending money randomly when they see everything they want to buy to planning and using pocket money reasonably; from understanding the various functions of the bank, the concept of money and how money appears, to learning financial tips...
In a relaxed reading atmosphere, financial and business enlightenment, understand the true value and meaning of money, and establish a correct view of wealth, values and world view!
There are also some fun games recommended:
Super classic "Monopoly", "UNO", "Playing Cards", the holiday with the children with board games to open the door to financial management.
How would you and your child plan to squeeze the money? Come, super way mom and dad, come to the comment area to tell me