Cedar Rapids, IA – 04/30/11 – Cedar Rapids – Iron Sharpens Iron

Ft. Wayne, Indiana – 04/16/11 – Men\’s Ministry Network – Ft. Wayne – Iron Sharpens Iron

Tags: Iron sharpens dad cents speaking events

Moline, IL – 04/09/11 – Moline – Iron Sharpens Iron

Springfield, Il – 03/26/11 – Springfield – Iron Sharpens Iron

Rockford , IL – 03/19/11 – Rockford – Iron Sharpens Iron

O\’Fallon, MO – 02/26/11 – St. Louis – Iron Sharpens Iron

Omaha, NE – 02/19/11 – Omaha – Iron Sharpens Iron

Who	Iron Sharpens Iron
When	Saturday, February 19, 2011 8:00pm - All Ages
Where	Omaha (map) Omaha, NE
Other Info	This will be either a morning or afternoon seminar at the conference. I will be helping dads develop a starting point with their children. This seminar will be for dads with kids of any age of child. We will look at a biblical basis for money as well as practical application steps to begin with at home.

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Rogers, AR – 09/11/10 – First Baptist Church – Iron Sharpens Iron

Who	Iron Sharpens Iron
When	Saturday, September 11, 2010 8:00am - All Ages
Where	First Baptist Church (map) 3364 West Pleasant Grove Rd Rogers, AR 72758
Other Info	This will be either a morning or afternoon seminar at the conference. I will be helping dads develop a starting point with their children. This seminar will be for dads with kids of any age of child. We will look at a biblical basis for money as well as practical application steps to begin with at home.

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Tags: Iron Sharpens dad cents events

“Helping Kids Distinguish Between Needs and Wants”

This article is posted on www.fathers.com/dadcents which is the website for the National Center for Fathering.

The Luxury Marketing Council of Florida says that luxury spending has seen an annual growth of 20-30%, where general retail spending has seen an increase of 5%. One Encarta Dictionary definition of luxury is “an item that is desirable but not essential, and often expensive or hard to get.” Translation: needs are up 5% per year, and wants are up 20-30%!

One of the most challenging traps for our children (and for us) when it comes to money is distinguishing between our wants and our needs. But if we can keep this straight, we’ll be well on our way toward equipping our children to make wise buying decisions for years to come.

So what is a need? Food, shelter and clothing. Generations of people have lived and continue to live with very little money—only a fraction of what most of us live on. That’s the baseline for where we start talking about needs. Living on very little money is not fun for anyone, and that desire for an easier life or the things other people have is what often gets people into financial difficulties.

Obviously, wants are things that our children would like to have. Usually wants come disguised as needs. I need clothes, and this name brand that is 50% more expensive will make me cool. Kids want to fit in with classmates. The problem is that the non-name-brand clothes provide the same basic benefit. They provide protection against the weather conditions.

I don’t have a problem with name-brand clothing, especially when I can buy the clothing at the same price as the generic or discount store option. By shopping around and being patient, I can often find name-brand items—Nike athletic socks or Polo button-up shirts, for example—just as inexpensively as comparable options that are generic. Also, it’s appropriate to account for the difference in quality during the decision-making process.

Because of advertising, peer pressure or a range of other factors, we too easily blur the lines between needs and wants. We convince ourselves that our wants are really needs. I guess I’m talking about us dads now. But our children are watching and learning from what we do. Raising our children with a healthy awareness of their needs and wants means addressing this question ourselves. We need to take a hard look at our financial decisions and priorities.

Is it wrong to have some things that are “wants” and not “needs”? Probably not, although that’s really a question that you, your family and your budget will need to settle between yourselves—and each family’s priorities and financial situations are different. But I will say that it’s dangerous to start thinking about pursuing things that are “wants” if there’s no bigger plan and a limit for your spending in place. It’s just too easy to go overboard.

So, like with many areas of fathering, your modeling is huge. To be more proactive in teaching your children about wants and needs, I recommend having regular conversations with your kids as teachable moments come around. Whenever they use the word “want” or “need” in reference to something, question them on why they used that word. Is it really a need, or a very strong desire? What likely caused that desire?

If your children can get a good grasp of the difference between needs and wants, it will be a big benefit to them for the rest of their lives. We can usually communicate the ideas pretty simply, but applying the ideas to real-life wants becomes very complex. So it’s vital that we’re intentional with this. And there’s no substitute for spending time with your children so you have those needed teachable moments.

ACTION POINTS:

• When you shop for groceries or clothing with your child, find two items that are virtually the same except for the brand name. Talk about the difference in price and which one you want versus which one will meet your need, and what other factors (quality, fit, taste, etc.) affect your decision.
• The next time your teenager wants a new pair of jeans or shoes, give him the money to buy a reasonably priced pair. Then tell him that he can keep any money he doesn’t spend on the item. This will allow him to weigh needs and wants, priorities, and many related issues as he makes his buying decision.

Teaching generosity!

Monday, January 18th, was a significant day for our family.  The significance came from the celebration of Martin Luther King day and the opportunities to serve our community.  Martin Luther King was a great servant to our country and community organizers have utilized that memory to inspire others to serve in his honor.

I was able to take my wife and oldest daughter to Manhattan to volunteer in some of their community activities.  We choose to help an organization that sends school supplies to kids in Iraq and Afghanistan.  The organization is called Help us learn…Give us hope.  We were able to pack about 50 boxes of school supplies to send overseas.

Before we began to pack boxes I explained to my daughter what we were going to do and what the supplies would do once they reached their destination.  During my explanation a big smile came across her face and her eyes opened wide with anticipation.  I was truly blessed as I watched the enthusiasm in my daughter as she helped me pack the boxes.

I really want to encourage dads with this post.  Did I do anything amazing that any other dad could not do himself?  No, I simply was intentional in helping my daughter learn about being generous with her time.  Since we had the day off from work and she had the day off from school it would have been very easy to stay home and play or do something else she would consider “fun.”

Dads, again I want to encourage you to look for ways to enjoy time with your kids and be able to pass on important lessons at the same time.  As I mention in my book Dad Cents, most lessons are caught and not taught!