Great Holiday Gifts to Improve Financial Health

It is always tough around the holidays to find presentsRVs, has a divider card that details what sort of
for your family that are reasonably priced, innovative,papers should go in that file and how long to keep the
thoughtful and useful. For many parents andpapers. The quick finder index helps you find where
grandparents, it's hard to know the best way to helpyou've filed your records. The organizer with a
raise the money consciousness of your children. Hereportable filing box and hanging folders would be the
are a few great gifts for those new to managingperfect present for someone just starting out or who
money and organizing financial records. The first fourcan't decide where things should go. The Kit is only
suggestions are aimed at young adults. Of course, you$24.95 and is available by calling 800-695-3453 or
can always buy them for yourself. The last isonline at
specifically for young children. It is never too early orWhy kids are rarely taught to manage their money
late to learn how to manage your money. Happyhas always been a mystery to me. Here's a book that
holidays!fills that void and should be given to every graduating
If you want to help a friend, relative or spouse increasehigh school or college senior. "The Budget Kit: The
their financial knowledge, then membership in AmericanCommon Cents Money Management Workbook" by
Association of Individual Investors (AAII) may be theJudy Lawrence, (Kaplan Business; 3rd Edition) will help
perfect present. The AAII is a nonprofit organizationanyone learn how to monitor their money. It is a simple,
that provides its subscribers with basic informationno nonsense guide to tracking your cash with
about investing, financial planning and retirement. It is astraightforward and easy to use worksheets. The
totally independent organization and doesn't acceptbook helps with the day-to-day dirty job of cash
any advertising. Membership includes a subscription tomanagement. There is nothing more empowering than
its magazine, website access, tax guide, mutual fundtaking control of your money, and this kit helps anyone
guide, S&P Stock Reports and membership in itsdevelop a system to do just that. The list price is only
local chapter. Its articles are in-depth and written by$18.95 and can be found at most online stores at a
informed independent experts. This is also the perfectdiscount.
gift for the financial neophyte or the college senior.If you know someone that has never followed
Basic Membership is only $29 a year. Their website isbusiness news and doesn't know where to start, here
Organizing financial paperwork can be a nightmare.is a great present. "Keys to Understanding the Financial
That is why "The Financial Planning Organizer Kit" is aNews", by Nicholas G. Apostolou and D. Lawrence
great present. I wish someone had given this to meCrumbley, (Barron's Educational Series; 3rd edition), is
when I was starting out. The kit includes 22 file dividernot a text book but a concise and easy to read guide
cards, a quick finder index and a 48 page handbook.that explains the implications of financial news from
The handbook helps you organize your vital personalsimple economic data to stock mergers. This book will
information about bank accounts, health care providers,help the reader tackle any business publication such as
emergency contacts, credit cards and more. Thethe Wall Street Journal, Investors Business Daily or
divider cards help you establish a hanging folderBarron's. It is only $7.95 and would make a great
system for your major documents in an organizedstocking stuffer. This publication can be purchased
fashion. Each major filing category such as Bankonline and at some bookstores.
Accounts, Investments, Insurance: Autos, Boats &