Elon Musk’s pro-Trump critics claim they’re being censored on X


Conservatives critical of Elon Musk are accusing the platform he owns of censoring them, CNN reports.

Political activist Laura Loomer sparked an online debate within the Right about work visas known as H-1Bs, which Musk supports. Loomer now claims her account has been unverified and demonetized, accusing Musk of being a “free speech fraud.”

Meanwhile, another conservative activist, Charles C. Johnson, claims X banned his account because he “embarrassed” Musk by writing about his father’s alleged involvement with an emerald mine, something Musk has long denied. (Neither this nor Loomer’s accusations have been substantiated.)

Elon has long publicly supported free speech, posting that it’s “the bedrock of democracy.” But Musk has also been accused of silencing people on the platform, notably in 2022 when X temporarily suspended journalists covering the suspension of an account tracking his jet.

X didn’t immediately respond to a request for comment.

Duke Nukem: Manhattan Project Free Download


Duke Nukem Manhattan Project Pre-Installed Worldofpcgames


Duke Nukem: Manhattan Project Direct Download:

Playing Duke Nukem: Manhattan Project is like digging up a time capsule with buried treasures only to find out what people in the past considered valuable is now garbage. Unlike the popular Duke Nukem 3D, Manhattan Project is not a FPS. Instead what you get for your hard-earned cash is a poorly-aged side-scrolling shooter originally released in 2002, with all the mediocre 3D graphics we used to kind of think were awesome. Even worse are Duke’s animations, which give off the vague implication that Duke’s been shoving his foot up his own ass instead of those of his foes. Yeah, Manhattan Project is ugly, but that wouldn’t be a big deal if it were fun. It’s not. Summer Games Challenge

Each level of the game boils down to finding a bomb (wrapped, of course, around a woman with gigantic breasts), finding a key, and shooting a few enemies along the way. Combat is boring, usually boiling down to just firing periodically at the edge of the screen (though you can’t fire at angles, only horizontally and vertically). The only real exceptions to this are boss fights, which occur after every few stages and mostly require you to simply fire at one weak spot a lot. How exciting. Maybe this repetitive level design was passable at the turn of the millennia, but it’s downright mind-numbing now.

Features and System Requirements:

  • The game blends traditional platforming elements with modern 3D graphics.
  • Battle a range of mutated foes, including Pig Cops, Gator Grunts, and other bizarre creations. Enemies are rendered in full 3D for a modern touch.
  • Collect items and secrets for higher scores and rewards.

Screenshots

System Requirements

1 :: Operating System :: Windows XP/7/8/8./10.
CPU: Pentium III 500 or faster
RAM: 64 MB RAM
GPU: DirectX 8.1 compatible 32 MB 2xAGP enabled video accelerator or faster
DX: DirectX 8.1
OS: Windows 98/ME/2000/XP
Storage: 300 MB hard disk space

Installation Guide

Turn Off Your Antivirus Before Installing Any Game

1 :: Download Game
2 :: Extract Game
3 :: Launch The Game
4 :: Have Fun 🙂

Preparing Your Firm’s Product Design For Manufacturing: How to Streamline Development and Reduce Costs


Indeed, in the competitive market of today, product design goes beyond creativity and functionality but also involves how something can be made more efficiently. A deep understanding of manufacturing processes, materials, and supply chains informs designing easy-to-manufacture products at low cost, and scalable designs – Design for Manufacturing (DFM) comes into the scene here. By incorporating DFM principles early in the design process, companies can streamline development, reduce costs, and improve the overall efficiency of their product lifecycle.

In this article we will outline the need for DFM, the guiding principles driving it forward, and practical strategies to help your firm gear up product designs for manufacture. Whether you are a startup or have an existing business, the adoption of DFM practices will yield significant pay-offs for your firm.


:rocket: Table of contents


What is design for manufacturing (DFM)?

Design for Manufacturing actually becomes a practice of designing the product with manufacturing processes in mind, making the product easier, cheaper, and quicker in production. DFM focuses on simplification of the product design to reduce its complexity, to improve the manufacturability of the product and at the same time minimize costs in the course of production. It requires a collaborative approach between the design, engineering and manufacturing teams as the specifications of the product have to be compatible with the capability of the selected manufacturing process.

The ultimate intent of DFM is that the design-to-production gap is as low as achievable without the costs being too high and production time too long. Done right, DFM can be an effective means to minimize waste, utilize material resources more efficiently, improve the quality of products, and better the overall manufacturing process.

RELATED: Contract manufacturing services vs. manufacturing services

3D wheel mags

Why is DFM important?

Introducing DFM in the design process provides your company with immediate benefits, especially when it comes to costs, savings, and a whole lot of efficiency. 

1. Better collaboration

DFM encourages cross-functional collaboration between design engineers, manufacturing experts, and procurement teams to ensure all stakeholders understand the potential issues and constraints during the production process. More efficient designs, therefore, are achieved.

2. Cost minimization

Design with manufacturing in mind may result in unnecessary costly revisions and complex processes. Substreamlining of the design process reduces costs produced in assembly time, labor, and raw materials. Much simpler designs are composed of fewer parts that can be simpler to manufacture; hence lower aggregate costs.

3. Speed to market

A product designed to be more manufacturable moves quicker from the design stage to the production one. It helps a company shorten its development process and avoid a long time taken between design stage and production, thereby launching products in the market much faster with fewer changes in the design that could be brought about.

4. Better quality products

DFM ensures that designs are manufactured within the specified tolerances and materials, which makes for better quality consistency in products. It becomes possible to ensure that products designed with manufacturing constraints in mind have fewer defects, higher precision, and better durability when produced.

5. Scalability

Products that are designed for manufacturing efficiency are easier to scale up. Whether you produce hundreds or millions of units, a well-optimized design can facilitate a smooth transition to large-scale production.

RELATED: 8 tips companies use to simplify design manufacturing or design for manufacturing

Key principles of design for manufacturing

For optimal product design for manufacturing, an understanding of the principles that form the foundation of DFM is essential. These principles focus on reducing complexity while promoting an optimal material consumption that is also aligned with manufacturing capabilities. Explore the following set of critical core principles of DFM:

1. Take into consideration material cost and availability

Material selection becomes another critical aspect of manufacturability and, therefore, cost. DFM encourages designers to use materials that are more readily available, less costly, and easier to process. Of course, the exotic materials may have some unique properties because they could be much more costly than others, with longer lead times and more complex processing.

Selection of materials commonly used in the industry can limit the production time hence the cost of manufacturing. An example can be choosing such metals, plastics, or composites which are more commonly used in the industry to bring down the material costs and ease the procurement.

2. DFA: Design for assembly

Design for assembly centers attention on reducing time to assemble a product, making the manufacture more economical. To guide the process, principles of DFA require you reduce the number of parts and eliminate features that complicate assembly.

For example, you might design parts to self-align easily at assembly (by exploiting symmetry or self-locating features) or select fasteners that are less labor-intensive to install. Reducing the steps and complexity of the assembly process reduces labor cost and opportunities for error.

3. Design for testability

Testability at the design stage will ensure that a product can be tested for quality and performance to quite an extent before and during its production. Testability is the designing of products to where they can be inspected for fault or disparities in the manufacturing process.

Manufacturers can, therefore, include clear points of inspection, accessible test features, or even functionalities with built-in tests in their designs to ensure fewer faults in the manufacturing process and thus an even more coherent production line.

4. Focus on tolerances

Tolerances are the allowable dimensions variations that a part can have at some level of production. Tight tolerances can raise the difficulty level as well as cost of manufacturing. DFM recommends designing parts with tolerances achievable and needed for the function of the product.

By making careful evaluations on the tolerances required, designers will avoid overengineering and extra costs that may come with precision manufacturing. It may also help in avoiding delays due to quality control issues or parts that do not comply with the specified requirement.

5. Reduce manufacturing processes

Every manufacturing process adds to the cost and the complexity of the production cycle. DFM encourages designers to consider the least number of different manufacturing processes that will be required to create a product. For example, instead of designing a part that needs to be cast, machined, and then assembled, design it to be made by one single, more efficient process.

This reduces the number of processes involved, so, therefore, manufacturing cost is reduced and the possibility of errors or defects. It also pushes the designers to think of how much more of the product can be produced in the same process that brings down the setting up cost and improves efficiency.

6. Reduce design complexity

One of the simplest tenets of DFM is simplification. The more complex the design is, the harder and more expensive it is to manufacture. A design may become simpler if it eliminates features that have no meaning, reduces the number of parts, or makes use of standard parts. A design should be functional but easy to produce.

For example, rather than combining the same function into various small components that require assembly, designers can opt for one component that encompasses the exact functionalities. This reduces the time for assemblage and lowers labor cost and the probable errors of the time of production.

7. Standardized components

The use of standard parts and materials significantly reduces the cost of a firm’s production since custom fabrications are no longer needed. Standard components can be sourced easily, are cheaper, and are usually proven to work under the constraints of most manufacturing processes. They also make it easier to manage inventories and lead times.

Designers should opt for the off-the-shelf components and those that can be produced by more prevalent processes, rather than designing special components that might need specific tools or machines. This not only saves material and tooling expense but also reduces the time-to-production end.

RELATED: DFM for new product design excellence: complete guide for company success

universal joint in 3D

Practical approaches for implementing DFM in your organization

Having now outlined the main tenets of DFM, let’s review some practical steps your company can take to implement the principles outlined above in its product development process.

1. Conduct a DFM analysis

After completing the preliminary design, do a detailed DFM review. Through this review, assess whether the product is complex or not; whether it can be manufactured; material selections and methods of assembly. A cross-functional team of engineers, designers and manufacturing experts can examine the design if it accommodates the principles of DFM and make necessary adjustments.

2. Engage manufacturing at an early stage in design

Good DFM practice requires close collaboration between design and manufacturing teams. Involve the manufacturing team as early as possible to ensure the product design meets available processes and equipment. Collaboration on product design can lead to early identification of potential manufacturing challenges, giving the design team the opportunity to modify the product to make it easier and less expensive to manufacture.

3. Iterate based on feedback

Design is a repetitive process. Once feedback from manufacturing, testing, and quality assurance is received, keep modifying the design to become more manufacturable. Constant improvement allows your product to remain affordable, functional, and of high quality throughout the transition from concept to production.

4. Prototype and Test

Once the product design is optimized for manufacturability, think of building a prototype. Compiling and testing by various means will be a great way to verify your design and assess if it can be scaled up into production levels without the occurrence of problems. This helps bring out unforeseen problems that possibly might not have been seen in the design stage.

5. Leverage DFM software and tools

Use software-specific tools that aid DFM analysis. More and more software-based platforms permit the simulation of manufacturing processes and let experts assess the feasibility of a product. Such tools can be very helpful in pointing out potential flaws in design before the stage of production, saving much time and money in the process. This also enables them to identify certain areas where material use or manufacturing processes may be optimized.

RELATED: What are new product development costs, design services rates, and pricing for your company?

Wrap up

Preparing your firm’s product design for manufacturing is essential for cost-effective and efficient production. Embracing Design for Manufacturing principles will help you streamline the development process, reduce the production cost, improve product quality, and accelerate time-to-market. The main ideas are to simplify designs, use standardized components, avoid manufacturing processes, and integrate the right teams at an early stage.

How Cad Crowd can help

When done right, DFM improves the manufacturing process of your business and, by extension, your business performance as a whole. With proper planning and collaboration, you would optimize your designs for functionality and manufacturability for long-term success in a competitive market. Count on the name Cad Crowd. Request your quote today.

author avatar

MacKenzie Brown is the founder and CEO of Cad Crowd. With over 18 years of experience in launching and scaling platforms specializing in CAD services, product design, manufacturing, hardware, and software development, MacKenzie is a recognized authority in the engineering industry. Under his leadership, Cad Crowd serves esteemed clients like NASA, JPL, the U.S. Navy, and Fortune 500 companies, empowering innovators with access to high-quality design and engineering talent.

Connect with me: LinkedInXCad Crowd

How to Build an Xbox Controller With Xbox Design Lab


Xbox Design Lab is a one-stop shop that allows you to create your very own controller. From the controller itself to every external component, Xbox Design Lab is a hugely customizable platform that lets you create controllers for yourself, or as a truly personal gift for the Xbox player in your life.

But before you get started, There are a lot of options to choose from – let us break down every single one, to help you create the perfect Xbox controller:

Choose Your Controller

The key question before you begin using Xbox Design Lab is: which Xbox controller do you want to design?

  • Xbox Wireless Controller – Starting at $69.99 USD, the Xbox Wireless Controller is our standard model, bringing you high performance at an affordable price. With textured triggers and grips, a hybrid D-Pad, and Bluetooth technology that allows you to connect it to multiple devices. Click here to start creating an Xbox Wireless Controller.
  • Xbox Elite Wireless Controller Series 2 Starting at $149.99 USD, the Elite Series 2 makes our premium controller better than ever. With refined components, paddle slots offering extra options, adaptable elements like adjustable thumbsticks and hair trigger locks, and rubberized grips as standard, this controller delivers pro-level performance. Click here to start creating an Xbox Eliter Wireless Controller Series 2.

Customize Components

Once you’ve chosen your controller, Xbox Design Lab gives you 10 different customization options, allowing you to make a controller that’s uniquely yours. And if you can’t quite decide as you go, Xbox Design Lab allows you to preview your controller at any time, as well as save designs to your own personal gallery, allowing you to create multiple options to compare before you pick the final one.

Body

Xbox Design Lab - Body Image

Applied to the entire front case, your choice of Body makes a statement. With the Xbox Wireless Controller, choose from a variety of matte finishes, or from a selection of gorgeous patterns, including the swirling Vapor designs, the multi-toned Shift patterns, bold Camo looks, our vibrant Pride design, or special, game-inspired designs like the Call of Duty: Black Ops 6 top case and the Fallout top case. With the Xbox Elite Wireless Controller Series 2, choose from matte finishes, our new Cipher series – which adds a transparent case that allows you to see through the case to the components inside, or game-inspired designs.

Back

Xbox Design Lab - Back Image

Your choice of Back encompasses everything behind the grips on your controller. With all the standard colors available in the Body category, you can choose to match the front of the controller, or create a two-tone pop of color.

Grips

Xbox Design Lab - Grips Image

For a small extra cost, you can add rubberized back and side grips to your Xbox Wireless Controller, offering an extra level of control in the hand. Rubberized grips come as standard on the Xbox Elite Wireless Controller Series 2.

Bumpers

Xbox Design Lab - Bumpers image

Your choice of Bumper color encompasses the two buttons on the top of the controller, and the case in between them. On the Xbox Wireless Controller, choose from all the standard colors available for the Body and Back. For the Xbox Elite Wireless Controller Series 2, choose from an array of metallic finishes.

Triggers

Xbox Design Lab - Triggers Image

The Triggers are key to controlling many games, and come with multiple options. With the Xbox Wireless Controller, all the standard colors are available, but Xbox Design Lab also offers a variety of metallic options, allowing you to add a stately point of difference from the rest of the design. On the Xbox Elite Wireless Controller Series 2, choose from a series of metallic designs that can blend in with your bumpers, or choose a different tone to create a standout design.

D-Pad

Xbox Design Lab - D-Pad Image

On the Xbox Wireless Controller, choose from all the standard colors available in other categories, or pick a metallic hue. On the Xbox Elite Wireless Controller Series 2, pick from the classic four-direction D-Pad, or our unique Faceted design for extra control. Both D-Pad choices offer a variety of single-tone metallic finishes, or pick our new multi-toned Chroma designs for a truly standout look.

Thumbsticks

Xbox Design Lab - Thumbsticks Image

On the Xbox Wireless Controller, thumbsticks can take on any of the standard colors available on the rest of the controller. Take more control with the Xbox Elite Wireless Controller Series 2 – pick the color of the metal base, as well as separate colors for both the thumbstick ring and topper.

ABXY Buttons

Xbox Design Lab - ABXY Buttons Image

On the Xbox Wireless Controller, pick from seven different designs for the iconic Xbox buttons, from classic colored looks to different two-tone treatments. With the Xbox Elite Wireless Controller Series 2, get even more choice with 20 different treatments, including colored variants that allow you to create even more specific looks.

View, Menu, Share Buttons

Xbox Design Lab - View Menu Share Buttons Image

On the Xbox Wireless Controller, choose from 5 different designs for the central buttons on your controller. With the Xbox Elite Wireless Controller Series 2, pick from 24 color options to help bring your design to life.

Engraving

Xbox Design Lab - Engraving Image

For that final touch, both controller types allow you to add a 16-character engraving. Add a name, a Gamertag, or a personal message to make the controller truly theirs.

Pick a Pre-Made Design

Xbox Design Lab - Fallout Design Image

If you’re looking to create a controller to celebrate a particular game, we may already have what you need. Xbox Design Lab is always adding new ‘Inspired By’ designs that celebrate games on Xbox – pick a pre-configured design, make any changes you see fit, and show your fandom. There’s also the Xbox Design Lab Game Collection, which offers extra-special designs for the likes of Fallout and Call of Duty: Black Ops 6 – all of which can be customized further.

Choose Some Elite Extras

If you’re opting for an Xbox Elite Wireless Controller Series 2, Xbox Design Lab offers a number of extra adjustable elements for the premium controller, all of which can be customized to fit your design. The Carrying Case and Charging Pack helps you take your controller anywhere in safety. The Paddle Pack adds a number of easily added extra paddles for the back of your controller, which can be used by adjusting options on your console. The Thumbsticks and D-pad Pack offers both D-Pad options and multiple interchangeable thumbsticks to let you swap how you want to play, game-by-game. And the Everything Pack includes all of the above in a single package. If you already own an Elite Series 2 controller, you can also opt to purchase the additional accessories packs by themselves.

Adaptive Thumbstick Toppers

We collaborated with community members, charity organizations, and a hospital involved in adaptive gaming and 3D printing to design complimentary 3D printable files for adaptive thumbstick toppers with Xbox Design Lab. Available to download, these designs can be 3D printed to create thumbsticks that meet multiple accessibility needs – and are available for both the Xbox Wireless Controller and Xbox Elite Wireless Controller Series 2. Xbox Design Lab also offers thumbstick topper designs for the upcoming Xbox Adaptive Joystick, coming in early 2025 for select Xbox markets.


You now have everything you need to start creating a unique Xbox controller – head over to Xbox Design Lab to start experimenting!

Does Visual Studio slnx can fully replace old sln (Visual Studio Solution) format?


With .NET 9 (actually a bit earlier) and Visual Studio 2022 Microsoft have introduced a new Visual Studio Solution format .slnx also referred as Visual Studio Solution XML. As of December 2024 it is still in preview.

How does it compare to old .sln format.
Are there any drawbacks e.g. tools or features that still need existence of the .sln file in the solution directory?

I have started to use .slnx file in the existing solution after updating to .Net 9. The old file .sln is still present but I see that it is becoming more and more outdated as new projects are being added to the solution. Does it make sense to update it? Is it save to delete it?

My focus is .Net solution (including ASP.Net, Console Apps, Class Libraries, Test projects, Blazor) but it would be good to discuss broader scope.

LG’s lightweight Gram laptops get new Intel chips and offline AI features


LG has announced additions to its ultra-light Gram and Gram Pro laptop lineup, adding cloud-based and on-device AI-powered features that go beyond its current Gram laptops.

The 16-inch Gram Pro will also be the first Copilot Plus PC in the LG Gram lineup and is further distinguished as the only model using the Intel Lunar Lake Core Ultra V-Series processors. The 17-inch Gram Pro and 16-inch 2-in-1 use Intel’s Arrow Lake Core Ultra H-Series processors.

The three LG Gram Pro laptops, including the 2-in-1.
Image: LG

The LG Gram Pro will be available in 17-inch and 16-inch models featuring 2,560 x 1,600 displays, up to 32GB of LPDDR5X memory, and up to 2TB Gen4 NVMe SSDs. The 16-inch Gram Pro and the 16-inch LG Gram Pro 2-in-1 will have Intel Arc GPUs, while the 17-inch Gram Pro will instead feature an Nvidia GeForce RTX4050 graphics card.

Gram Chat On-Device, which uses a “small language model derived from LG AI Research’s EXAONE large language model,” powers offline features, including Time Travel, which lets users quickly revisit “web pages, documents, videos and audio files” they’ve recently accessed. LG’s software is adding tools similar to Microsoft’s Copilot Plus suite and Apple Intelligence, but given the trouble Microsoft has had with Recall, we’ll have to wait and see how it all measures up.

It also might make those features available on more PCs, but LG hasn’t specified which AI features will be available on which laptops in the new Gram lineup.

Gram Chat Cloud is powered by OpenAI’s GPT-4o and responds to inquiries using “vast web-based datasets for detailed and comprehensive responses” while integrating with calendar and email services. It requires an active internet connection and will only be free for the first year.

All of the new Gram laptops also support LG’s Gram Link 2.0, which streamlines document and file sharing with other PCs and iOS or Android-based smartphones. It also allows incoming phone calls to be answered through the Gram laptops, so you don’t have to swap headsets or Bluetooth headphones to another device temporarily.

LG will also introduce its entry-level Gram Book to the US market next year. Powered by an Intel Core i5 processor, it features a 15.6-inch 60Hz full HD display, a 720p webcam, and configurations of up to 1TB of SSD storage and 16GB of DDR4 memory.

Wordle today: Answer and hint #1291 for December 31


There’s a freshly written clue for the New Year’s Eve Wordle right here and ready to help if you need it. Don’t be afraid to take a look if you get stuck—today’s clue is designed to help, not instantly give the game away. And if the thought of an instant win does sound appealing, click your way to the December 31 (1291) answer. Done. Dusted. Another row of greens on the board, which means it’s time to celebrate.

Technically, I wasn’t short of help today. I had an OK start, and a decent amount of yellow letters on my second go. The only tiny problem was I couldn’t work out what the heck to do with any of them. That letter goes there? No, that can’t be right. I wasted a lot of time avoiding the right word today, and I’m annoyed at myself for it. 

Today’s Wordle hint

(Image credit: Josh Wardle)

Wordle today: A hint for Tuesday, December 31

Go to line anywhere with Code Search for Visual Studio 2022


Finding the exact line of code where an issue is occurring can be like searching for a needle in a haystack. Whether you are debugging an error on line 43 of a file or diving into a specific section of code, you can efficiently jump to the right places with this newest addition to Code Search.

In Code Search, you can now jump to a specific line in the current file or another file, making it faster and easier to move around your codebase.

No need to scroll endlessly to find a specific line. With the updated Code Search, you can swiftly jump to any line in the current document by simply typing colon + line number. For example, typing :39 instantly takes you to line 39 in the active file.

Navigate to a line in the current document :39 items shown

But that’s not all! You can also navigate to a specific line in a certain document by appending the file name with a colon and the line number. For instance, entering Order:43 will direct you to line 43 in the Order.cs file. If you don’t specify the exact file name, the search will try to find the best match for you.

Navigate to a line in a different document Order:43 items

Your feedback is invaluable to us. It helps us make Visual Studio better with each update. We are excited to see how this new feature will enhance your coding workflow.

From feedback we received during Previews, we’ve already got work lined up to support another format for line navigation. See more at Support Filename(line,column) format in Code Search – Developer Community (visualstudio.com).

We look forward to hearing about your experiences and suggestions.

Europe’s USB-C Charger Mandate Has Gone into Effect


If you live in Europe and were hoping to pick up an older iPhone on the cheap, think again. The European Union’s Common Charger Directive came into force on December 28, 2024. This legislation mandates that electronic devices sold within the EU must now feature USB-C charging ports, putting older Apple phones on the wrong side of the law.

The mandate applies to mobile phones, tablets, digital cameras, headphones, portable speakers, e-readers, keyboards, mice, and more. The date is December 28, 2024, for most devices and April 28, 2026, for laptops, as reported by Mashable. After the EU announced the directive in 2022, numerous companies began updating their designs to use USB-C, including Apple.

Last year’s iPhone 15 made the jump to USB-C, but Apple waited until the last minute to stop selling non-compliant phones. Apple’s response to the big day is was to discontinued the iPhone 14 and iPhone SE in the EU, as these models still used the Lightning connector. It can continue to sell Lightning-based products in other parts of the world, though.

Apple lightning

The Apple Lightning cable was a big improvement when it launched in 2012, but the company had to be forced to move on.
Credit: B. Jordan / CC2.0

According to the EU, this switch could lead to potential annual savings of up to €250 million for consumers. The EU also expects this move to reduce electronic waste to the tune of 11,000 tonnes per year and promote more sustainable consumer practices.

While currently applicable only within the EU, the move prompted wider adoption of USB-C universally to ease production. You can read more about this legislation here.

8 Ways to Teach Your Kids About Money


Wanna know why credit unions give out prizes and candy to children when they make a deposit? Have coloring contests for kids? Send kids birthday cards in the mail?

A customer sees it as the credit union just being nice, but if it were just that, they’d do that for everyone, right? Adults, included. Nah, there’s actually a good reason they do this.

It’s marketing!

They want to become your child’s favorite place for money.

Think I’m making all this up? I worked in banking for a decade! It’s absolutely true!!!

So, why should this matter?

They know that loyalty with kids is extremely harder to break as the years go on. A local mom/pop credit union where the parents bank with them, the children once they turn of age, almost always bank with that same credit union. It is very, very common.

So, why should you care that the bank cares so much about your child’s money?

Well, if THEY care so much about it, don’t you think it’s a good idea you do too?

Credit unions aren’t going to hurt your children and their money, but there ARE PLENTY of OTHERS WHO WILL!!!

Teaching your kids about money is EXTREMELY important. So often, I meet people who are just in financial ruins, and you want to know the one thing they tell me.

“I was never taught how to manage my finances.” They contribute that as the #1 reason why they are failing in their own finances; they simply weren’t taught.

Don’t let your kids become a statistic! Invest in them now, learn how to teach your child financial responsibility while they are still young.

Teach your kids about money…

1) Be a good role model.

Have you ever heard the saying, “Monkey see, monkey do?” Our words are important, but far more than that are our actions. Actions speak louder than words. Be a great role model in YOUR finances.

My daughter is constantly asking me about money. She wants to be able to stay home with her kids in the future. Do you know that already (she’s 8) and she wants to make her own blog or run her own business. People think that’s silly, but is it?

Think Goodness (formerly Origami Owl) is a HUGE well-known company and who started it? A 14-year old girl named Bella! Our children are FAR more capable than we give them credit. 

2) Talk to them about saving, credit cards, money, etc.

Seems pretty simple, huh? Just open up the discussion. Ask them if they have any questions. Teach your child to save money. Tell them how important it is not to get into debt. Show them the difference between a debit card and a credit card. Give them examples of people who have gotten into debt too much and of people who live their lives debt-free. Whatever their age level is, explain to that fullest capacity.

3) Give them opportunity to save, earn, and spend money.

I don’t know about you, but I do NOT learn by someone telling me what to do. lol. My mom probably wishes I did! Rather, I learn by DOING. You can give your children allowance. Make them earn that allowance. Even if you don’t do allowance, they can still earn money with you or a neighbor.

At one of our old churches, every year to earn money for the youth group, we did something called “Slave for a Day.” Basically, the youth would be put on auction and the people in the congregation bid on them. It was a great way for the elderly to get things done that they couldn’t do, and a great way for the teens to make money. Even money the child gets on the birthday. I mean, there are SO many opportunities to ask them what THEY want to do with it. Reward for good decisions, and talk to them if they are unwise. HELP them understand WHY you’re teaching them this; WHY this is so important.

Part of my kids allowance is saved for church tithes, no exceptions. This is what I do with my money, so this is a family rule, and what they do with theirs as well. Part of it also goes to savings, no exceptions. One day, they will want a car, help pay for college, etc.

How nice will that money be for them to have at that time?!

While these are mandatory things for allowance, all other monies earned are at their discretion. I guide them, lead them, and encourage them to make wise decisions, and yes, even some for things they just plain want. There’s a balance. 🙂

4) Never assume they will learn this stuff in school.

The days of home economics are long gone. Now, instead of preparing a woman to stay home with her kids, high schools have day care centers, proving that more and more kids are having kids. Lifestyles are just different these days, and much worse off overall. Kids aren’t taught about being a godly wife, kids are taught, even in kindergarten about guns, smoking, drugs, and sex. It’s a totally different era. The priorities have vastly changed.

Not only can we not expect the teachers to teach things such as money, we cannot expect them to teach our children about God. Freedom of religion is also gone in schools, and if you don’t believe me, remind me to tell you the story about how I was almost suspended for simply wearing a cross necklace to school because it ‘offended’ someone!

There are some things we must teach our children ourselves!

We cannot become complacent. That bundle of joy you once wrapped in your arms will test every nerve in your body before they reach 18. Teach them everything you can while they are young enough to actually care what you’re saying!

5) Tell them everything costs money.

Learn how to teach your child the value of money. Over the years, I have told my kids that everything costs money. “Let’s turn out the lights guys, they cost money to keep them on.” If we’re in the store and they want something, I politely ask them if they have the money to pay for it…So, the kids know that our home costs money, lights, electricity, etc. But today, my 8 year old was flabbergasted to find out that internet and TV costs money. “They just make us pay for everything,” she said to me.

I’m hoping that by showing her that everything DOES really eat away at our income, that she will be more diligent in conserving where she can. So far, it is working great. Now, keep in mind, we don’t need to go overboard and turn off our heat completely in the winter or anything, but just knowing that things DO cost money, gives such an appreciation for all that we do as parents for our children. We are all a family, we all need to work together. Many hands make for light work. 🙂

6) Shop together.

Going back to being an example, there was a time when we were in the store and I really, REALLY wanted something. I knew it was a luxury item. I didn’t NEED it. It was not useful, meaning, I probably wouldn’t use it for very long. And it was quite expensive, $20 for something like that. It was super hard for me to walk away. But, I think that, it shows the kids that I go through the same thing as they do.

I want things just like them, and that God is so incredibly good to us. We can truly be appreciative for what we have, and not focus on what we don’t. Sure, I’d love a brand new 2014 car, who wouldn’t, but it’s not for me to have. Such is the same with our kids. That shiny new toy they want today, if not taught the proper attitude on our ‘stuff,’ will just be thrown to the bottom of the toy bin by next week.

7) Teach them now to donate.

Living in the homeless shelter 4 years ago, I saw TRUE needs at the deepest core. Women who didn’t have money for a bar of soap. Things that we take for granted every single day. There are people on the street right now, who would think that no matter WHERE you live, you are RICH! Every time I throw out a stale piece of food, I remember my days in the shelter, where that is exactly ALL we had to eat. That was the only nutrition we got.

I’ve come a long way since then, again God is very gracious, but I don’t forget. I will never forget, and that makes me all the MORE diligent to meet the needs of those around me. Sometimes seemingly meaningless things make the world of difference to someone on the opposite side.

Teaching your little ones now about how much you have and how you can give to those who are in need is, in my opinion, one of the best qualities you can instill in your children. Life is not to be lived for us alone, but for others. Let God’s grace abound in you.

8) Help your little ones establish goals.

I’m fairly used to setting and accomplishing goals for two reasons. One, because of God, and two, because I work extremely hard to make those goals. And so, I set goals for myself in every area of my life, every month. Even if they are simple, they help keep me focused.

I love to pass that onto my children as well. How easy is it to write down a goal on the family calendar of your oldest to have $5 saved up within a month if their allowance is $10/week? Be sure the goals are balanced (easy to attain, but also a challenge). This will give them a huge sense of accomplishment when they achieve their goal.