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Teaching financial responsibility: the smart case for giving your child a credit card

“Helping your child build their credit score is an invaluable gift."

Children, debit card, credit card, parenting, finances
Photo credit: Canva

Nearly everything is purchased online these days.

With their colorful designs, customizable parental controls, and growing popularity among peers, it’s no surprise that kid-focused debit and credit cards have become increasingly appealing to families with young ones. Gen Z and Gen Alpha live in a vastly different financial landscape from their parents, and now, digital payments have largely eclipsed cash transactions. From concert tickets to food delivery to school supplies, nearly everything is purchased online. So, how can parents prepare their children for this new digital frontier and financial world that they themselves have not even experienced?

Ask the average parent about giving a credit card to a child, and they'll dream up a nightmare scenario: spoiled kids making endless purchases, unchecked impulse buying, mounting debt, and the development of poor financial habits. However, for the first generation growing up in an almost entirely cashless society, it makes sense for them to understand the value of money and how it’s used sooner rather than later.

Money, tree, financial responsibility, independence, financial literacyThe goal is financial independence. Photo by micheile henderson on Unsplash


According to a 2019 CreditCards.com poll, six million American parents have at least one minor child with a credit card. Winnie Sun, co-founder and managing director of Sun Group Wealth Partners and member of the CNBC Financial Advisor Council, gave her three children credit cards before they entered kindergarten. While this might seem extreme, she believes these early financial practices helped her children develop healthy money habits. In her Op-Ed for CNBC, Sun notes that her own parents added her to their Visa Gold card when she was 13 years old.

"My mom specifically told me that it was for emergencies, or if I had permission beforehand to use it," Sun recalls. "She thought it was a way to help her daughter in case she needed money, but what she didn't know then was that it also helped me learn how to handle credit early in life.”

Credit card, finance, debit card, swipe, financial literacyEarly financial education is crucial. Giphy

Financial experts are increasingly convinced that young adolescents should be included in conversations about money, recognizing that early financial education is essential for navigating today's digital economy. But when’s the right time? Andrew Latham, a certified financial planner with SuperMoney, explains that parents should assess readiness based on specific criteria.

“Parents should consider their child’s ability to handle financial responsibilities, understanding of money management and the overall need for a card. If a child can budget their allowance and has consistent needs to make purchases independently, they may be ready for a card,” he explains.

And which option is better for kids: debit or credit? Well, there are distinct advantages and potential drawbacks associated with both, which parents should consider carefully.

 

Credit cards

 

The primary benefit of getting your child a credit card is building a credit history. Credit history length makes up about 15% of your FICO score and up to 20% of your VantageScore. A longer credit history shows that someone has managed their accounts responsibly over time, demonstrating reliable financial behavior. As a result, lenders and credit card companies are more likely to approve applications and offer better terms to those with an established, positive credit history. By adding your child as an authorized user on a credit card with consistent, on-time payments, you can help them build strong credit from an early age.

Child, strong, financial literacy, credit score, money You can help your child build strong credit. Photo by Ben White on Unsplash

“Helping your child build their credit score is an invaluable gift,” writes Jae Bratton for NerdWallet. “A good credit score may help them secure a job, get lower interest rates on loans and, when the time comes, a top-notch credit card of their own.”

However, there are risks. Children under 18 cannot legally have their own credit card; they can only be authorized users on a parent’s account. As the name suggests, authorized users are allowed to use the card, but aren’t responsible for paying the bill. Therefore, parents will ultimately be responsible for all charges made on the card. If your child makes an expensive purchase, it could potentially affect your own credit utilization ratio and even damage their credit score. Jessica Pelletier, Executive Director of FitMoney, a nonprofit that provides free financial literacy curricula for K-12 schools, advises parents to remind their children that “there are firm limits…in place for authorized users.”

 

Debit cards

 

On the other hand, debit cards offer a more flexible yet tangible way for children to understand how to manage spending money. For Matt Gromada, the head of youth, family and starter banking at JPMorgan Chase & Co., he believes that early debit card access is a crucial component to lifelong financial literacy.

“Having a debit card opens the door for important conversations and real-world scenarios about the basics of finance—from spending and saving to explaining interest and how it accrues. It also gives your child a sense of pride, independence, and freedom, providing an opportunity for real-life experiences and learning,” he says.

Breaking free, financial literacy, debt, money, money management Break free of financial debt. Giphy

With debit cards, kids are limited to the amount of money available in the account, so they can't overspend beyond what is in the account. There are even modern debit cards specifically designed for kids, such as Greenlight, which offers a range of features that make parents and children feel secure and in control. There is no minimum age requirement for users, and parents can restrict spending at certain stores, set up safety SOS alerts, receive real-time notifications, and turn the card on or off remotely. This is also an easy way to transfer allowances to your child.

According to BECU, a financial cooperative, “a debit card can help your child learn financial responsibility basics such as keeping a card in a safe, dependable location, staying within spending limits, using a card for purchases, checking on balances, and monitoring for fraud.”

Of course, the main drawback of debit cards is that they don’t help establish or build a credit history. So, what’s right for you and your family? Start a dialogue today and discuss the best option for your children.

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A sea lion hopped on a woman's boat to escape a group of killer whales and the footage is wild

What would you do if you were in the boat?

Screenshots via @castrowas95/Twitter

A seal escaping a killer whale attack.

In the Pacific Northwest, orca sightings are a fairly common occurrence. Still, tourists and locals alike marvel when a pod of "sea pandas" swims by, whipping out their phones to capture some of nature's most beautiful and intelligent creatures in their natural habitat. While orcas aren't a threat to humans, there's a reason they're called "killer whales." To their prey, which includes just about everything that swims except humans, they are terrifying apex predators who hunt in packs and will even coordinate to attack whales several times their own size.

So if you're a human alone on a little platform boat, and a sea lion that a group of orcas was eyeing for lunch jumps onto your boat, you might feel a little wary. Especially when those orcas don't just swim on by, but surround you head-on.

Watch exactly that scenario play out (language warning, if you've got wee ones you don't want f-bombed):


 

Ummm, yeah. An orca sighting is one thing, but this is a whole other story. Orcas have been known to knock large prey off of icebergs, so the whole "orcas don't hurt humans" thing doesn't feel super reassuring in this scenario.

The footage came from TikTok user @nutabull, whose now-deleted account stated she was from Vancouver Island.

The viral video sparked a debate about whether the sea lion should be kicked off the boat or not. The woman kept telling the sea lion it "had to go" with a frank "Sorry, buddy, that's life," message, though she never actively tried to push it off. Many commenters joked about yeeting the sea lion off the boat to avoid a potentially disastrous encounter with the orcas. Others were on #teamsealion, saying they wouldn't have the heart to boot the poor thing.

It's a big philosophical question. The philosophical underpinnings of the belief that humans should stay out of the matters of wild animals, so as not to interrupt the delicate balance of nature, is called "relational non-interventionism." The philosophy holds that we have no general obligation to alleviate animal suffering, and that we typically do not have special obligations to ease the suffering of wild animals. Therefore, we generally do not have a duty to intervene in nature to ease the suffering of wild animals. That's one thing to believe, but who wants to see animals suffer?


The reality is orcas eat sea lions—the circle of life and whatnot. Most of us just don't find ourselves in the middle of that circle, having to figure out whether the apex predators surrounding our boat are going to patiently wait for their lunch to come back or take it upon themselves to bump it back into the water.

Thankfully for the woman, the sea lion seemed to decide on its own that its options were limited and dove back in to take its chances with the orcas. But phew, that encounter would be harrowing for just about anyone.

Best of luck, sea lion. Hope you're an exceptional swimmer.

This article originally appeared four years ago.

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Guy uses a Ziploc bag to show why text is reversed in mirrors and people finally get it

A seemingly simple but surprisingly confusing reality.

Photo credit: Canva

Why is text reversed in mirrors?

Have you ever wondered why text shows up backwards in a mirror? It's confusing to our brains because it doesn't seem like anything else is flipped like that. If we turn our head, it doesn't move the opposite direction in a mirror. Or does it? After all, right-handed you is actually left-handed you in the mirror. Right? (Wait, is that right?)

Mirrors can be confusing, despite not being very complicated. A mirror image is simply a reflection of what's before it. But when someone else is looking at us head on, they don't see text in reverse, so why don't we see what other people see when we see ourselves in a mirror?

  Kitten Aww GIF by MOODMAN  Giphy  

(If you think this is a super stupid question with a super obvious answer, congratulations. Pat yourself on the back and scootch along so the folks who don't fully grasp the physics of mirrors can enjoy a demonstration that makes it a little easier to understand.)

"Why do mirrors reverse text?" asks the creator behind @humanteneleven on YouTube. "You might think it's just a property of mirrors—they flip things from left to right—but that's not true." He then picks up a metal arrow to show that it points the same direction in the mirror as it does in real life. So why is the text flipped when the arrow isn't?

  - YouTube  www.youtube.com  

He then holds up a book to show how the text on the book cover appears backwards, just like the shirt. But when he holds up a Ziploc bag with the word "HELLO" written on it, the word shows up properly.

That's because he had to flip the book over to see the cover text in the mirror. The baggy he could just hold up and see the letters through the transparent plastic, just as we see them in real life. If he flips the baggy over like he did the book, the text shows up backwards in the mirror, just like it does in real life.

"So it's actually not the mirror that's flipping anything from left to right," he says. "It's the human."

People appreciated the simple, straightforward explanation and demonstrations.

"One of the most insightful demonstrations I've seen. It's simple and explains the phenomenon. Well done!"

 

"While I've heard this explanation many times before, I've only recently seen it demonstrated with text-on-transparency, which is what really makes it click. Great video!"

"Love these sorts of demonstrations. It’s a bit of a complicated one, but I love seeing how different people's minds work when explaining simple things like this. My kid explains it with “left is on the left, right is on the right, things aren’t flipped, they are mirrored” but it’s true that you are the one who flips things and I’ve never thought of it that way before."

"Oh my God, I haven't understood explanations from physics videos about why mirrors flip but this, gosh this helps."

Mirrors have been hilariously befuddling people in other videos as they try to figure out how the mirror knows what's behind a barrier placed in front of objects.

@sarahcoome

this is kinda creepy 👀 #mirror #relatable #creepy

 

Is this something all of us should probably have learned in high school? Yes. Do all of us remember everything we learned in high school? No. Does the scientific explanation make perfect sense to everyone even if it's explained in detail? Um, no.

Like the reversed text question, having a simplified explanation that doesn't fully get into the nitty gritty physics and geometry of how mirrors work is helpful for some folks.

 

  - YouTube  www.youtube.com  

 

For those who do want a bit more scientific substance to their explanations, this next video does a good job of giving a bit more detail while still keeping the explanation simple. It even uses a visual diagram to explain:

  - YouTube  www.youtube.com  

 

And for those who say, "This is so basic! How do people not understand this?" here's a video that really does get into the nitty gritty physics and geometry of how mirrors work, diving into ray and wave optics, photons, wave functions, probability, and quantum mechanics. It's only 12 minutes, and it manages to entertain while explaining, but it certainly blows the notion that understanding mirrors is super simple.

  - YouTube  www.youtube.com  

 

As one commenter wrote, "I thought I understood mirrors. I understand mirrors even less now. And that's a compliment."

Isn't science fun?

This article originally appeared in May.

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Math professor shares thermo-dynamic hack to cool your sweltering car in seconds

You don't even have to use your A/C.

via Canva/Photos

A woman in a hot car.

Cars can become unbearably hot in the summer. Even at a seemingly mild 80 degrees outside, the temperature inside can soar to a scorching 109°F within 20 minutes. According to the CDC, in just 40 minutes it can escalate to a blistering 118°F. After an hour, it can peak at a searing 123°F. And that’s just the air temperature; a dark dashboard or seat can reach a staggering 200°F.

"These objects (e.g., dashboard, steering wheel, child seat) heat the adjacent air by conduction and convection and also give off longwave radiation (red) which is very efficient at warming the air trapped inside a vehicle," the CDC explained in their report. It can take five to 10 minutes for your car to cool down on a hot day by turning on the air conditioning, which probably means you burn your buttocks and thighs on the hot seat. That’s why Hannah Fry shared an amazing hack on TikTok, demonstrating how to cool your car down in seconds using the laws of thermodynamics.

Fry is Professor of the Public Understanding of Mathematics at the University of Cambridge. She is a mathematician, a best-selling author, an award-winning science host, and the host of numerous popular podcasts and television shows.

@fryrsquared

That age-old dilemma of choosing between having a non-sweltering car or baffling a passerby because you look like a fool who doesn't know how to use a door

Fry suggests that instead of turning on the air conditioning, which she claims is “not worth it” because of the time it takes, open one of the windows on the opposite side of the door. Then, rapidly open and close the driver’s side door, so it moves back and forth like a fan.

“The reason why it works is that when you open and close the door, especially if you do it quickly, the door, as it's moving outwards, it sweeps out all of the air that's in its way, creating this sort of area of low pressure that you get here,” Fry said. “And then that sets up something called bulk flow, which is where all of the hot, sweaty, horrible air inside the car is drawn outwards.”

 hot car, hot steering wheel, hot man, sweat, summer,  A man sweating in his car.via Canva/Photos

Fry’s super practical approach to a problem everyone deals with blew many people’s minds in the comments. “If I ever catch someone in real life doing this, I’m gonna know they’ve watched this exact video,” a commenter wrote. “I will give it a go, but while opening and closing the door, scream, ‘Be gone, heat demons! BE GONE!’” another added. “Going to remember this the next time my partner farts in the car,” someone joked.

The fact that the inside air temperature in a car and the outside temperature are often drastically different, especially in the summer, serves as a crucial reminder to dog owners everywhere to never leave their pet unattended in a parked car. "Most dog owners know that you can’t leave a pet in a hot car," the American Kennel Club writes. "Temperatures can rise to dangerous levels in just minutes, putting your dog at risk of heatstroke. But what if you open a window a little bit? Does that make it safe to leave your dog in the car? The answer is simple. You should never leave a dog alone in the car, even with the windows cracked. In some states, it’s even illegal."

The following video by The Dodo explains why leaving a dog in a hot car can be deadly, even when it doesn’t feel that hot outside.

  - YouTube  www.youtube.com  

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The remote island where residents speak a fascinating blend of Southern and Old English

Experts say Ocracoke's endlessly-entertaining dialect is rapidly disappearing.

BBC Global/YouTube & EZScore/Flickr

An isolated island called Ocracoke is home to a unique accent not found anywhere else in the world

American English comes in all sorts of different flavors and varieties. I grew up in Baltimore, which shares some dialectical DNA with the accent you find in other Northeastern cities like Philadelphia. Baldamor, hon! There's the New England dialects, most famously the Boston accent: Pahk the cah at Havahd yahd! The New York accent is world famous, as is the deep Southern twang, which gives way to a thick Cajun accent the closer you get to the water in Florida and Louisiana.

These are all different versions of the greater American dialect. But there is one place, a tiny island off the coast of North Carolina, where a few residents speak in such a unique way that it's not even identified as American by most people around the world.

Ocracoke, North Carolina is home to a unique dialect called the Brogue: A strange blend of American Southern, Old Elizabethan English, with little bits of Irish and even Australian thrown in.


 ocracoke, north carolina, the brogue, hoi toider, accents, dialect, language, linguistics, anthropology Americans think Hoi Toider sounds English. People from England think it sounds like something else.  Giphy  

The Brogue, also known as Hoi Toider, is absolutely fascinating to hear in action. When you watch interviews with the locals of the island, they at first appear to be speaking a form of deep American southern — you can hear the twang the way you might in parts of Georgia of Alabama. But then, without warning, a word or phrase will slip out that sounds distinctly British. Old English even. Then you'll swear you hear a bit of Irish!

The dialect owes its roots to a surprising source: Pirates.

Pirates loved to hide out on Ocracoke as the island is incredibly remote, about 20 miles from the mainland of North Carolina. Even today there are no bridges or flights to Ocracoke; it can only be reached by a (quite lengthy) boat ride. Eventually, the island was actually purchased by the Blackbeard's quartermaster (yes, that Blackbeard), William Howard, where he created something of a pirate settlement. English sailors and Native American tribes also passed through and had their own unique impact on the culture and developing language of the island.


 ocracoke, north carolina, blackbeard, pirates, the brogue, hoi toider, accents, dialect, language, linguistics, anthropology Legend has it Blackbeard himself named the island.  Giphy  

In case have your doubts about the island's buccaneerish roots: "In one popular island legend, Ocracoke comes from the phrase, 'Oh, crow cock,' which was spoken by the infamous pirate Blackbeard as he waited to do battle at sunrise with the governor’s forces that had come to capture him," writes a guide from NC State University.

The dialect had a lot of room to develop without much outside influence. The BBC writes, "Howard's community lived in near-isolation for almost two centuries. Electricity didn't arrive at the island until 1938 and a ferry service didn't start until 1957, leaving the islanders cut off except for the occasional supply trip to the mainland."

That's why Hoi Toider is still alive to this day, although its speaking population has dwindled. Here are a few hallmark phrases of the unique dialect:

A 'dingbatter' is anyone not from the island; a tourist. An 'O'Cocker' is anyone born on the island of Ocracoke. A 'buck' is a good male friend, while a 'puck' is a female friend. The Brogue uses 'weren't' liberally for singular nouns ("The sun weren't out yesterday.") and frequently adds an 'a' in front of verbs ("We went a-fishin' this morning").

But to fully appreciate Hoi Toider, you've got to hear it in action:


  - YouTube  www.youtube.com  

Experts say, as awesome as the Brogue is, it will likely disappear within the next 50 years.

Though the island remains about as remote as it comes, in 2025 there's no escaping the influence of social media, television, and film. Every generation born on the island is a smidge less-adoptive of the Brogue than the one that came before.

It will probably be mostly gone in the next couple of generations, which feels like a tragedy. Instead of "dingbatter" and "buck," the kids will be saying "Skibidi toilet" and "rizz." OK, maybe that's an exaggeration, but young people growing up on the island won't be as immersed in the language as their elders and will begin to speak more and more like your average American.

  - YouTube  www.youtube.com  

There's a concept called culture homogenization. It's the idea that over time, because of technology and globalization, unique individual cultures from around the world will all start to look more and more the same. It's why you see fast food restaurants directly next to the Leaning Tower of Pisa and people all over the globe listening to the same handful of musical artists.

Ocracoke has managed to hang on longer than most places due to how difficult it is to reach. Here's hoping that the Ocracoke Brogue can survive somehow, some way, in little pockets of the island. It's just too dang cool and interesting to go away just yet.

This article originally appeared in May.

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A woman accidentally said, 'Love you!' to an important client. His response was perfect.

He even followed up with a heartwarming e-mail.

Photo credit: Canva

Saying "I love you!" by accident is one of life's most cringe moments.

For many of us, telling our friends and family that we love them is second nature. Every time someone leaves the house, "Love you!" Before bed at night, "Love you!" Getting off a call with them, "Love you!"

That's all well and good until that sweetly ingrained habit spills over into your work life. Especially when you're talking to an important client, where the boundaries of professional conduct are particularly important to uphold. (Do you feel the cringe coming?)

  I Love You Elf GIF by MOODMAN  Giphy  

A woman shared an oh-so-human story about absent-mindedly telling a client she loved him, and his thoughtful response has people cheering.

"Accidentally said 'Love you!' at the end of a call with an important client yesterday," wrote a Reddit user. "I heard him giggle as I hung up, and I was mortified. Today, I saw he emailed me this:"

The email began, "Hey—Just wanted to say that I didn't mean to laugh at you when you accidentally signed off on our call with a 'love you.' I just found it funny because I've definitely done that before, and I know it happens."

Okay, phew, he understood that the laughing was mortifying and he wasn't bothered by the "love you." But then he added the absolute best thing he could have said about the situation:

"I'm glad you have enough love in your life that that response comes naturally. If anything, you should be proud of that. :)"

Then he mercifully resumed their professional conversation. "Have a great weekend! We'll follow up about my call with Chris on Wednesday, as discussed."

 embarrassing story, saying I love you on accident, workplace stories, professional communication "Love you!" Oops.Photo credit: Canva

He didn't just ignore the elephant in the room and let it hang over her like an awkward cloud. He put her at ease, letting her know he's done it before and it happens and is no big deal. But then he took it a step further, adding a deeper human layer to the moment by acknowledging the fact that the words flowing so automatically and easily for her meant she was surrounded by love.

The client's emotional intelligence and thoughtful response warmed people's hearts.

"What a great and respectful response. He is completely right, it’s such a beautiful thing to have that much love in your life that it comes out naturally."

"You work with good people."

"Honestly, this made my day 😂 It's so wholesome how they responded. Shows that a little kindness (even accidental) always leaves a good impression!"

"Such a classy response. Made you feel at ease while staying professional and moving the conversation forward."

"Green flags from that client."

  Green Flag GIF by The Last Talk Show  Giphy  

People also shared their own similar experiences with blurting out accidental "love you"s and it was a veritable love-fest:

"I told my supervisor I loved her at the end of our weekly touch point call - she chuckled and said she loved me too. We shared a good laugh. I am happy to see empathy from a random human, it is much needed."

"I said 'love you' to my new boss at labcorp when she called me to tell me I passed my drug test. Same thing, hanging up, not thinking, she gave me my results and my start date to come in for orientation and I ended the call with 'bye love you!'"

"Back in the day I straight up called one of my bosses mom. It was so embarrassing I almost died."

"A surprising number of people have done this at least once. Happens when you’re distracted and tired. My ex husband (a prosecutor) accidentally ended a phone call with 'I love you' when talking to a rural county sheriff in the middle of the night."

  Embarrassed Hide GIF by flor  Giphy  

"I had a coworker say 'love you,' just as we were about to hang up. There was an awkward pause, clearly neither of us had hung up, then he added, 'Don’t tell my wife.' We both laughed and finally disconnected."

"I did that with my ex husband last Thursday, we both burst out laughing lol. Happily we get along great and he and his fiancée are attending my wedding next week."

"Was on phone with my boss right after he had called his wife. He ended the call with "love you." Had so much fun telling him that while I cared for him, I didn't think it was love."

Embarrassing moments don't have to ruin your day—in fact, when handled like this client, they can turn into beautiful moments of human connection. This kind of relatability, empathy, and emotional intelligence makes us all feel better about our shared humanity, oopsies and all.

This article originally appeared in May.

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