Heavy sigh...oh, what a relief it was.

Our Schools are Not Teaching Our Children Valuable Financial Skills,
SO IT'S UP TO US TO TEACH THEM ABOUT MONEY.

Most parents I talk to feel that financial education should be one of the critical life skills our kids learn in school. That, and parenting and communication and gender dynamics, to name just a few.

But the fact remains...our kids AREN'T learning about money and personal finance in school and even though financial literacy is a very hot topic these days, and some legislatures are working on figuring out how to make it mandatory, for the most part, it's still an elective.

Worse yet, did you know that...

	More college students drop out of college because of financial reasons than because of academic reasons?
	AND some of them are committing suicide because they can't handle the debt that they are in?
	62% expect of college graduates will have a student loan debt averaging $27,236 (Student Monitor)
	Only 11% of workers under 35 years of age indicate they are participating in their company's 401(k). (American Institute of Certified Public Accountants)
	40% will never gain a net worth in excess of $10,000 (American Dream Education Campaign)
	In most cases, economics and personal financial literacy programs are elective classes so “only 12% of Americans graduate from high school having learned anything about money at all.” (FoxNews.com)
	Less than one-quarter of students and only 20% of parents say students are very well prepared to deal with the financial challenges that await them after graduation. (KeyBank)
	57% of college graduates plan to move back with their parents. (MonsterTrak.com)
	Research shows that individuals that have taken personal finance education course have a higher savings rate, higher net worth and make larger contributions to their 401k. (The Department of the Treasury)
	Studies show that it takes less than 10 hours of financial literacy education to influence a child's financial choices and decisions as adults.

Many parents find The Ultimate Allowance because they have trouble talking to their kids about money. Some parents say they'd rather talk tot their kids about sex or drugs than money. My system makes it easy to do talk to your kids about money. I even give you the actual words to use when introducing your kids to this unique allowance system.

Other parents find The Ultimate Allowance because they are fed up with their kids asking them for money all of the time. I make it so there's no reason for them to ask. And if they DO ask, I give you the words to get them to take responsibility for their choices.

If either of these situations ring a bell, you are not alone. Parents everywhere are looking for an effective way to teach their kids how money works.

Here's a testimonial from a woman who, like me, is passionate about teaching kids about money...

Amanda van der Gulick

“Until I read Elisabeth’s book I was completely AGAINST giving an allowance to kids as a way for teaching them about money, but since reading her incredibly easy-to-understand and implement ‘The Ultimate Allowance’ book, I have opened my mind to the idea of allowances. The thing I like most about Elisabeth’s method is that she shows how easy it can be to have the expenses that we spend on our children anyway, go THROUGH our children. They now get the responsibility of paying for their own expenses, which opens their eyes to what exactly it costs to raise them. I think this in itself is priceless, not to mention all of the other extraordinary tips, tools and advice she so freely gives to us in her book. Thanks Miss E for opening my mind to the possibilities!” ~ Amanda van der Gulik, of TeachingChildrenAboutMoney.com

The Ultimate Allowance helps you prepare
your children for a life filled with
financial freedom & security.

The Ultimate Allowance is a unique and creative financial literacy tool that all parents can use with their kids. As long as you're spending money on them already (supporting them), you can implement and empower your kids using The Ultimate Allowance.

I realize that you may not think you have the tools you need to teach your kids about money.

I know that sometimes it's hard to talk to your kids about money.

I understand you weren't given a magic wand to empower our kids financially.

Well, I've discovered are three essential keys to raising money-savvy adults. And if you want to know these three keys, read on...

Would you agree that preparing your children to live life on their own terms
means they need to understand how to make, manage and multiply money wisely?

May I ask you ...

Q. Have you ever wondered how to teach your kids about money so they really get it?

Q. Are you frustrated trying to get them to understand the "value of a buck"?

Q. Would you like a way to get them to stop asking you for money all the time while teaching them how to be completely 100% responsible for their own financial matters by the time they are 18 and move out on their own?

If you answered Yes...The Ultimate Allowance system is your answer.
"Wow, I loved your book. This simple system can make any kid a financial success (and don't tell anyone, but I learned a lot too!" Dawn H.		The Ultimate Allowance System turns your kids into money-savvy adults. It gives you the tools you need to make sure your kids move out and stay out when they're ready....except for visits of course! My name is Elisabeth Donati and I want to tell you how happy I am that you found this page. Your child's future, and your own, may just depend on it. And here's why... As a whole, our nation's children are not learning about money. There are a lot of teachers, parents, seminar leaders and others trying to fill in the pieces but no one can teach your kids like YOU can because no one cares like YOU care! And if you're like me, you WANT to make sure your kids grow up and get to live a great life; whatever they want their lives to look like. And great lives usually take a substantial sum of money and income these days.

Why I wrote The Ultimate Allowance

When I was 38 years old, I realized I didn't know much about money. At age 31, I married a wonderful man who earned a good living. I was a personal trainer and fitness instructor and I loved helping people improve their health. I adored making a difference in people's lives.

But I didn't understand the money thing...until, one day when my husband and I had paid off thousands of dollars of debt and we shared one of those ah-ha moments. We had a conversation that went like this:

ME, "What do we do with this extra money now?"

HIM, "I don't know. What do you think we should do with it?"

ME, "I don't know, you're the man, you're supposed to know what to do with it?"

HIM, "I don't have a clue (and he was 48 at the time!)"

We both said, "What are we going to do now? Who do we call?"

At that point, I called my mom and asked her why she hadn't taught me about money and you know what she said? In an apologetic voice, "How could I teach you something I didn't know?"

All of a sudden it made sense. And you know that saying, when the student is ready the teacher appears? Well, his name was Robert Kiyosaki and the book was Rich Dad Poor Dad.

Reading Robert's book was just ONE of the many huge ah-has I have had since then. That book changed my life; actually it changed how I SAW my life.

You see, when I was young, I watched my mom and dad argue about money. He would spend too much and she'd get angry because it forced her to use coupons, buy things on sale and go to garage sales.

Now there's nothing wrong with these things...IF YOU WANT TO WORRY ABOUT MONEY for the REST OF YOUR LIFE!

Creative Wealth Principles Your Kids Can Grow By

If you want your children to grow up financially free, you have to teach them to use their money wisely, invest it so that it grows and create passive income streams so they can work because they want to and not because they have to; and teach them that doing good in the world is an awesome thing!

I never had a chance to learn these things...until I turned 40 years old and someone put that book in my hands. Do you know those times when you hit yourself in the head and say, "Jeesh, why didn't someone teach me this stuff when I was young?" I did that so many times I think I put a permanent dent in my forehead. The good thing though was that I never felt stupid; I just realized I was never taught this amazingly powerful information. I learned I had to learn it myself.

For a period of time, I was upset. I had been a straight A student in high school and college, but the fact was, going to school, getting good grades, going to college and getting a 'good' secure job just didn't cut it. Add to this that many of our teens don't ever make it to college and another group doesn't even finish high school! What about them? They need to learn Financial Intelligence more than ever.

So, I turned my anger into action. In 2002, I created my first Money Camp for Kids, a FUN summer camp that taught kids and teens all the stuff I never learned when I was that age. The camps are now called Camp Millionaire and are being taught around the US and Internaitnally.

Adversity is the mother of invention!

After years of questions from parents about allowances, and researching what the 'experts' had to say, I developed my own system that was completely different than the other allowance methods people strugged with.

Congratulations! You have just uncovered one of the most amazing parenting tools ever...read on.

We have to start preparing the next generation to handle money wisely. But more than this, they need to start learning how to 'think' about money in a whole new way. The economy is changing. Things are getting more and more expensive. Our kids aren't going to be able to get 'good, secure jobs; there will have to be a different way to make a living.

Let's teach kids to grow up and be the CEO of their own lives.

Let's teach them to start their own businesses, create their own incomes, be in control of how much money they make, decide when they go on vacation and more.

Let's teach them see opportunities as ways to build businesses.

Let's teach them to 'see' money differently...not as a GREEN substance to buy piddlyjunk but as a tool to reach their dreams!

If you want a program that will help you do this...I have just the thing!

The Ultimate Allowance System makes sure that your kids know what to do with their money when they leave home. I guarantee if you do nothing, this won't happen.

You may be thinking, Ya, right...another allowance program. If you're like most parents I've spoken to over the past 6 years of putting on Money Camps for Kids and Teens (now called Camp Millionaire), you've tried several different ways, maybe many, to get your kids to understand the value of money and what to do with it. From the stories I've heard, thought, most of those attempts have failed. At best, they have been partly effective in teaching kids how to be responsible with money, both theirs and yours.

ALLOWANCE STORIES FROM PARENTS...

A couple of years ago I asked the adults in my Money Camp database to send me stories about their allowance experiences. I have put several of these stories in the book for you to read to see what others have tried.

Here's one success story sent to us recently:

Hi, I'm a mother of seven and I homeschool. Our oldest is in her third year of college. In her last year of school, I got an idea to help her learn to budget. We figured out how much all of her needs were for each month - clothes, feminine articles, hair, hygiene, even entertainment (hanging with buddies). Once a price was set, that's what she had, when it was gone there was no more until the next month. We have 6 more at home. We have made it a practice never to just give the kids money or just buy something spontaneously just because they see it. So what I've done is created job opportunities for them. I have a job board with various jobs listed, requirements, and time limits as well as pay. If they are interested, they have to be interviewed. For example: The storage room was a mess - The job was called "Storage room organizer" - some organizational skills required, the job required at least 4 hours of work, paid $10.00 one time. We even have a librarian now to keep the books in our classroom in order. This job pays $5.00 a week. The board changes periodically, but there's always a job for someone. Even the 4 year old. This has helped tremendously, as they understand when they are on a job, it has to be done properly or NO PAY!! Each week the kids are checking the board, especially if they've seen something that they'd like to buy. It's a great way to teach them work ethic and financing.

Here's one not quite so successful!

We tried to dole out allowance and it was too difficult to keep track of the process. My husband thinks that doing chores is part of living and participating in family life. The children should not receive a financial reward for daily tasks. We tried to tie the allowance to non-chore related things like finishing homework without complaints, adding bird seed to the feeders without being asked to do it, getting all the morning, school related papers/lunches/sports gear in the car without being nagged...those sorts of things. Then we had to create a payment schedule that was balanced and appropriate to the task. This was so difficult. Both kids (girl 11, boy 9) felt that their contributions were more important thus due more money. Ugh.

There's a lot more stories in my book from parents who have had zero to great success teaching kids about money. And here's some endorsements and testimonials from successful adults in the financial literacy, entrepreneurship and personal growth field who love The Ultimate Allowance system...

Endorsements and Testimonials
Noah St. John	“Using the Ultimate Allowance system will help your kids grow into adults who are not only capable of being wealthy, they’ll actually know how to take that wealth and make a difference with it. Giving them the tools and permission to succeed in life is the most amazing gift you can give them!” ~Noah St. John, author of The Secret Code of Success
William Prouty	"Elisabeth Donati has been a friend, mentor and blessing to me for almost seven years. Her dedication to the Financial Empowerment and Education of youth and adults always has me speechless and in AWE. Miss E gives 150% of herself and draws that level of commitment from the hundreds of dedicated advisors, teachers and coaches who use the Creative Wealth and Camp Millionaire Curriculums across the nation and around the globe. The mission of Creative Wealth International is to teach thousands of people to take control of their financial lives and REACH FOR THE STARS! The Ultimate Allowance will bring new insights for young people who are confronted every day with significant financial challenges but lack the knowledge and SKILLS to meet them. With the help of this insightful book, parents everywhere will be able to help their students gain the tools they need to “grow up happy, healthy, wealthy and wise”. Thanks Elisabeth for another blessing." ~William Prouty, CBC CEC CLU RHU MBA PhD, Director Global Economic & Workforce Development Coalition
More Testimonials Below

In the six years I have been delivering financial programs for kids, teens and adults, I have talked to tons of parents. Every parent asks the same sort of question...

"How do I get my son or daughter to understand the value of a buck?"

and

"How do I convince them that money doesn't grow on trees "

What I noticed was some common parenting mistakes happening in regard to money. I noticed three things that parents were doing (or not doing as the case may be) that kept them from the results they were searching for, i.e., fiscally responsible children who managed their money and didn't continually beg for more.

The Three Biggest Mistakes Many Parents Make with Their Kids

FIRST: They set a poor example. Many don't do it intentionally...they just don't know how to save and invest wisely themselves. Also, anyone notice that our BIGGEST role model does the poorest job of all at setting a terrible financial example for its citizens?

SECOND: They don't talk to their kids about money. They keep the family finances — saving, investing, debt, budgeting, etc.— a secret from their children so they have no idea about it. Kids learn about their parents financial situations through what they see, hear and experience in regard to money as they grow up. You MUST talk to your kids about money from an early age. This is the only way we're ever going to break the 'taboo' that money has in most cultures.

THIRD: They don't give their kids much of an opportunity to practice with money. It's like your child coming up to you wanting to play softball but you never give him or her a ball, glove or mitt to practice with. Oh, and never giving him or her the rules to the game!

Lead to...

The Three Simple Keys to Raising Money-Savvy Adults

FIRST: Set the best example you can. Remember that your children are watching, listening and experiencing everything you do, say and feel about money.

SECOND: Talk to your kids about money. Involve them in the family finances — saving, investing, debt, budgeting, etc.— Let them know that this is an essential part of life and it's best to learn it young.

THIRD: Give your children every opportunity you can to practice with money in a way that's relevant, mindful, educational and lesson-packed.

Imagine Your Kids Living Financially Free

What would that look like? How will you feel knowing your kids are taking care of themselves financially and making enough money to help others and maybe even support be able to support you at some time if you really needed it? Don't laugh...there's millions of adults who are going to need it!

Creating a financially successful adult is something to be proud of! But most parents need help doing this.

So here's how it works...
You take the money you're already spending on them: for clothes, shoes, movies, gifts for friends, hair cuts, etc. and you... Run it THROUGH them instead! It takes between $175,000 and $280,000 to raise a child from 0-17. What if your child had just a portion of that to practice with? Wouldn't he or she get good at it? It works like this... If they don't get experience with money now, when are they going to get it? If they leave home to work or go to college and don't have a clue, guess what? They will more than likely end up in some serious financial mess until they turn 35 when someone, if they're lucky, invites them to a financial seminar where all of a sudden they realize they don't have a clue. I want to change this situation and I need your help.

The following is a disturbing post I found on the internet in August 2007. I as looking for statistics on the growing trend of college suicides due to rising debt. I put it in the book so that readers could get an idea of how painful this situation really is for our young adults:

A Disturbing Post from a College Student! I'm a college student who's being 'pursued' by credit card debt. I have no income, no assets (I do have a car, whose value was $500 when I got it 2 years ago) and am living in my mother's basement - though I will be moving to the house of a friend in a month. As of now I only have my college loan money to pay my bills, and not nearly enough to take care of the credit card bills. I'm pretty sure I'm judgment proof, but I have no idea how that will help me when my mother is being harassed by phone calls whenever I'm not home. I've been dealing with it well for the past month since I attempted suicide in June (on my 21st birthday, of all days) after a breakdown over money, but I'm starting to get to that point again. I can't afford a lawyer, my parents are going through a divorce so they are unable to help, I have no other family members with income, and I'm taking care of my partner who's been unable to find work for 2 years. I live in Michigan, where we currently have the highest unemployment rate in the country. I had a job for a while, until I was told to work a day through my classes or I would be fired - like an idiot, I quit. I can't quit school without then adding my college loan payments into the equation. I guess my biggest question would be - how the hell do I get through this without another suicide attempt? Don't let this be your child!

I emailed this young man to offer suggestions but never heard back. I still wonder if he's alive.

If you're confused about what to do, you may be reluctant to try yet another idea. Can I persuade you?

I CAN show you a way that works. But here's the thing...you have to willing to do your part. I'm not saying it's going to be easy. Raising kids seldom is. There are the trials and the tribulations and the lessons; but there's the joy and the laughter and the learning and the celebrating. There's the feeling good part you get to have when you know you did great job raising your kids!

With The Ultimate Allowance...

	You don't need to spend hours arguing with your kids about money anymore.
	You don't need to keep track of what they're doing with their money. If they run out, they run out. Period. End of story!
	You do need to practice unconditional support and learning to be firm when they're learning a lesson they'd rather not be learning.
	You will need to learn how to use the system at first. I promise it will be worth it.
	You don't even need a single idea of your own. It's all laid out for you in the book! The hard work is all done!
	It's going to take a few hours to read and digest this system but all you have to do is follow the directions in the book.

Isn't raising children into adults who are happy, healthy, wealthy and wise worth the effort? Nothing in life comes without a little effort and, from my experience, my best work has come from my best effort. After all, wouldn't it be nice if kids grew into adults who didn't have to recover from their childhoods? I think so!

The Ultimate Allowance System is a
sure-fire way to raise financially free adults.

It's turns kids into smart little money managing machines!

It prepares kids to move out and stay out.

No arguing, no yelling, no victims.

Sure, you'll have some hiccups but that's part of parenting. Kids are kids and, as such, they will do their best to throw you curve balls.

Do just what the book says and you'll be fine. And, if you still need answers, send me an email and I'll help you personally!

"Give a kid a fish and he'll eat for a day...
but teach a kid to fish and he'll eat for a lifetime."

These are some of the lessons your kids will learn with the Ultimate Allowance System...

	She'll feel empowered when she learns to be responsible for paying for her own needs and wants. Preparing for when she's older can be very easy if she develops supportive financial habits.
	He will have money to start thinking about investing. This is one of the major 'missing pieces' in many financial education programs. Children are taught about saving but not about investing in assets that will produce passive income for them.
	She'll learn that saving to purchase an item she really wants isn't as difficult as it may seem at first if she uses a system, and that it feels great when she does reach her savings goals.
	He will always have money for continued education.
	She is less likely to develop the habit of feeling guilty for spending her own money; an emotion many adults have shared in our adult programs.
	He will understand the joy and importance of giving back and helping others so that when she has a lot more money than she needs each month, she will want to do great things with it because she has experienced this from a young age.

Bottom line, if your kids are going to cost you money, you might as well use it to your advantage...give them the OPPORTUNITY to learn first hand how to make, manage and multiply THEIR money wisely.

Let them learn the lessons before they move out; before it's so painful they can't recover from it; before they mess up so badly you don't have any choice but to let them move back in so they can get back on their feet.

Imagine how your grown child would feel if they had to do that. Let's help them never have to do that.

Testimonials
Manny Goldman	"Most schools are not teaching children about money, and that concerns me. The Ultimate Allowance teaches kids how to be with money and make a difference at the same time. A ‘must-read’ for parents who truly want a bright future for their kids." ~Manny Goldman, Author, The Power of Personal Growth Founder, PersonalGrowth.com
Dara Duguay	"Teaching kids that money doesn’t just appear from the magic money machine (ATM) is a formidable lesson. By teaching children how money works, this invaluable lesson will stay with them for the rest of their lives. The more they learn, the less money mistakes they will make." ~Dara Duguay, Director, Citi Office of Financial Education Former Director of the Jump$tart Coalition for Personal Financial Literacy
Kim Deep	“The Ultimate Allowance is one of the most practical and life changing financial books any parent can read. If you want to learn a simple system that will transform your child’s values around money, this is the # 1 resource for parents!” – Kim Deep, CMA, author of Conductor Kash and the Prosperity Express and owner, Kidz Make Cents
Clinton Swaine	"The foundation of success is understanding money management. Finally there is a place for our children to go to learn about managing their money and building a foundation and psychology for wealth. This system can be a major factor in turning our younger generation into smart, financially-savvy business owners to build a solid foundation for future generations." ~Clinton Swaine, Founder - Frontier Trainings
Curtis Arnold	“The Ultimate Allowance is a must read for every parent who wants to see their kids succeed when it comes to money issues. My wife and I have 5 kids and we’ve really struggled with allowances over the years- nothing has ever seemed to really work. This book gives us renewed hope that we will be able to leave an amazing legacy for our kids and for future generations to come, which is really exciting to think about!” ~ Curtis Arnold, Founder, CardRatings.com, Author of How You can Profit from Credit Cards
Ben Mack	“The Ultimate Allowance shows parents how to turn powerful wealth creation skills into fun activities for kids. This book make lifelong money principles easier to grasp for the young mind; a fun way to look at the world is a way that sticks.” ~ Dr. Ben Mack, Best selling author of Think Two Products Ahead

"Rock Your Kid's Future, Or it Costs You Nothing"
100% Money-Back Guarantee!

Download The Ultimate Allowance today and use the system for 6 FULL MONTHS. If you're not seeing shocking improvements in your children's finanial habits and choices by then, I'll give you back every penny - no questions asked.

This decision should be the easiest one you ever have to make. Your child's future may be riding on this decision.

And here's the best news... using The Ultimate Allowance will SAVE you money because your kids won't to nickel and dime you to death anymore! Now how's that for value?

In fact if you act on this NOW... I'll throw in the following:

	The Ultimate Allowance Package	Retail Value
	The Ultimate Allowance Book E-book (immediate download) Author: Elisabeth Donati, founder of Camp Millionaire and Creative Wealth International (formerly The Money Camp)	$24.95
	50 Money Making Ideas for Kids - 7 Day Course from Amanda van der Gulick.	$29.00
	Two FREE TICKETS to the Millionaire Mind Intensive seminar: the most amazing life-changing event I have ever attended. But there's a catch to this one. Read below* (click here for more info) Use CODE 196290	$2,590.00
	The Power of Personal Growth E-book, by Manny Goldman, is filled with key insights and wisdom for living from 56 extraordinary people. He personally interviewed Jack Canfield, Les Brown, T. Harv Eker and more to provide you with extreme value in this short, concise, and fun book. You also receive two tickets to our Virtual Courses starting in September, 2008.	$2,397.95
	Four TICKETS to Play To Win for two adults and two children to come and learn about the psychology of success. Put on by Frontier Trainings.	$2,490
	Monthly FREE teleseminars on all things money	$50
	Weekly Financial Wisdom with a TWI$T E-zine	Invaluable!
	TOTAL VALUE (not including financially intelligent kids!)	$7,581.90
*The catch...
You promise you'll use the book. You promise to set the best example possible. You promise to start talking to your kids about money. You promise you'll invite your kids into the financial aspect of your lives so they really understand what it actually takes to live successfully.

Click Here To Get Your Copy Now!

You're Getting the KEY to your Child's future Financial Freedom For Pennies...

I'm giving you all the tools, and a complete system you can read and start using in just a couple of hours from now so do the right thing…

There's no need to be frustrated anymore when it comes to trying to get your kids
to understand the value of a buck. I'm here to help.

To Your Success!

Elisabeth Donati

P.S. I am taking 100% of the risk - and you risk nothing! If, after using this system for 6 full months, your kids aren't learning about money, just ask me for your money back.

P.P.S. Just think how wonderful it will be for your kids to grow up and be able to take YOU on vacation and support YOU in your old age. I guarantee you'll wish you'd gotten the financial education you're about to give them.

	ULTIMATE ALLOWANCE DISCLAIMER...
EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS SYSTEM AND ITS POTENTIAL. THE WORST THING THAT CAN HAPPEN IS THAT YOU SAVE A FEW BUCKS, IRRITATE YOUR KIDS WITH YET ANOTHER WAY TO TEACH THEM HOW TO HANDLE MONEY OR LEARN A FEW THINGS YOURSELF. THE BEST THING? YOU END UP RAISING A FINANCIALLY RESPONSIBLE ADULT THAT MAKES A HUGE DIFFERENCE IN THE WORLD!

© 2008 Creative Wealth Intl., LLC