When it comes to financial guidance, kids turn to Mom more often than Dad — 58% vs. 39%.* No matter which parent kids turn to, no one shapes their financial attitudes more than a parent. And they’re not just listening to what you say. Every time you spend money they are taking cues from your habits as well. Following are some guidelines for what your children should know about money by certain ages:

Kindergarten. She’s figured out how to convince you to buy things she wants. But what else should she know about money? By this age, your child should know: you need money to buy things; you earn money by working; you may have to wait before you can buy something you want; there’s a difference between things you want and things you need.

Sixth grade. Your sixth grader should be able to understand: the concept of saving, including compound interest; credit cards are not free money (they are loans) and can cost interest if you don’t pay them off quickly; and personal information like bank account or credit card details can be stolen and should be protected.

High school. Your teenager should know almost as much as you do about several financial concepts, including: the difference between a grant and a loan; how fees and interest rates add up; the dangers of certain financial services like check cashers and payday lenders; how to get and keep a job.

*Money, May 2015


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Orange Duffel Bag

The Primerica Foundation awarded a $50,000 grant to the nonprofit The Orange Duffel Bag Initiative (ODBI). The grant funding will support ODBI programs that help Georgia teens who are homeless, at-risk, or aging out of foster care system. Primerica CEO Glenn Williams presented the grant award to Sam Bracken, the co-founder of ODBI, at the opening session of the 2015 Convention at the Georgia Dome in Atlanta. Read the press release for more details.

To make a donation or volunteer, go to

Presenting Check

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The city’s largest corporate meeting will return to Atlanta in July, bringing an estimated 40,000 attendees and an economic impact of approximately $34 million to Atlanta. Primerica will host its biennial summer convention at the Georgia World Congress Center (GWCC) and the Georgia Dome, July 15-18, 2015. Read the press release for more details.


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Are you perpetually sleep deprived? Chances are it’s affecting your finances – and not in a good way.

People who are perpetually sleep deprived have less self-control than their more well-rested counterparts. People who often get too little sleep also report lower well-being and poorer financial decision making.

Good sleep is linked to better mental functioning, including self-control – a key to financial well-being. Self-control helps you make better financial decisions by allowing you to consider both the short-term and long-term benefits of any decision (like using credit cards).

In a recent study, an MRI was used to study brain activity after participants lost a night of sleep and were put in gambling situations. The result: increased activity in brain areas that determine positive outcomes, and decreased activity in areas leading to negative outcomes.1 So, lack of sleep can cause us to feel overly optimistic about the choices we make, for example, whether or not we can actually afford something.

Insufficient sleep can also cost you in increased medical expenses: it is linked to the development of chronic diseases and conditions including diabetes, cardiovascular disease, obesity, and depression. Are you getting enough sleep? The National Sleep Foundation recommends that adults (26-64 years) get 7-9 hours per night.2 Making sure you get enough sleep can improve your financial well-being!

1 “How Sleep (or Lack of It) Can Affect Your Bottom Line,”, February 5, 2015
2 Ibid

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Recently, Primerica representative Lee Luna, from Miami, Florida, joined nearly 200 prominent Dominican American leaders and Senior White House officials in Washington D.C. for a policy briefing at the White House.

The event, held February 25, was scheduled to coincide with Dominican Independence Day, commemorating 171 years of independence from Haiti. Key speakers focused on a range of policy issues including immigration reform, workforce development, early childhood education, and international affairs.


“The entrepreneurial spirit instilled in me by my parents is definitely influenced by our Dominican heritage,” says Luna.

With more than 1.5 million people of Dominican descent in the U.S., Dominican Americans are the fifth-largest Hispanic group in the country.1 It’s estimated that Hispanic business growth is three times faster than the national average.2

Primerica’s Hispanic American Leadership Council (HALC) supports and celebrates Primerica’s leadership opportunities among its Hispanic American representatives. Numerous Hispanic Americans have discovered the power and freedom of the Primerica business opportunity.


“I am proud of my role within our company and our community as we continue to serve people through education and information,” says Luna.

And Primerica is proud to have representatives like Luna building their own business and helping Main Street families across the country!

1., accessed March 3, 2015
2., accessed March 3, 2015

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