9. Money management is seldom taught in schools; it is up to the parents to educate their children in this very important life skill.
10. It is a way to help educate children about personal financeand managing money.
11. Parents don’t have to worry about being constantly asked to buy things for the kids.
12. Children can learn how and why to save money.

To Play, or to Compete?
1. Organized sports activities bring damage rather than benefits to children both physically¹ and psychologically.
2. Physically, as they are still at the stage of developing bodies, hard exercises and tough playing will be inappropriate for them.
3. Psychologically, winning and losing—the keynoteof adult life --- may mean too heavy a burden for children who should have fun and enjoy the game at that age.
4. The primary goal of a professional athlete– winning – is not appropriate for children. Their goal should be having fun, learning, and being with friends.
5. Children will benefit more from those programs emphasizing fitness, self-esteem, cooperation, sportsmanship, and individual performance.
6. Besides physical hazardsand anxieties, competitive sports pose psychological dangers for children.

Nature or Nurture
1. Learning is very important in determining who we are.
2. You can’t change your genes², but you can choose how to live your life.
3. If we take identical twins, and give one the best environment possible, and put the other one in closetfor eighteen years, the differences will be profound, and caused totally by environmental differences between the two children,
4. Identical twins living in paralleluniverses do not necessarily lead identical lives.
5. Environment is more influential³.
6. There is also substantial proof that an individual’s environment affects his mental aptitude⁴.
7. It is often difficult to separate learning from our biology because we begin learning at the moment we are born.
8. Biology certainly determines part of what we are, but we start learning as soon as we are conceived.
9. We hardly separate biologically determined⁵ behavior from learned behavior.
10. Socializationis learning. Socialization refers to all learning regardless of setting or age of the individual.
11. A person’s entire environment seems to be more effectual in determining his mental ability than heredityis.
12. Experiments such as these ones prove that a person’s environment can have a crucialeffect on him and on his manner of thinking.
13. A study done in Great Britain in the late 1980s shows that nutritionplays a very large role in a person’s development.
14. Starving people across the globe show why lack of nutrients⁶ in human bodies can stunt⁷ mental evolutions as well as physical growth.
15. Unique environmental factors (unique to children reared together) cause differences in behavior.

How to Manage Stress
The Present Situation and Its Effects:
1. Stress is your reactionto something you consider a challenge or a threat. Stress is a natural part of life. Modern people are stressed out or under too much stress.
2. Stress is a natural part of life.
3. Stress is hard to define because it means different things to different people; however, it is clear that most stress is a negative feeling rather than a positive feeling.
4. Despite the highly developed materiallife, modern people are leading an unprecedented⁸ stressful life.
5. Some stressors are so powerful that they would evokesignificant emotional distress⁹ in most mentally healthy people, and triggermental disorders¹⁰.

Causes:
1. You may feel physical stress which is the result of too much to do, not enough sleep, a poor diet or the effects of an illness.