Ignore them.

Money actually brings enormous good into world. For example:

- Creating wealth helps create jobs for others

- Investing in business helps to bring solutions into people's lives by way of innovative products and services

- Acquiring a great fortune allows you to donate more money to charity - or even start your own trust fund

Teach your kids that money is neither good nor bad - it's what you do with it that makes difference.

5. If you don't spend much, you can't lose much!

One of oldest wealth-creation maxims is, "It takes money to make money".

Unfortunately, it also takes money to lose money.

Teach your kids value of caution when entering into financial affairs. And let them know that many self-made millionaires started with literally nothing.

6. Get best price for everything you can

Your financial health is really difference between how much you earn and how much you spend. It therefore makes sense not to pay any more money for something than you have to.

Teach your kids that bargain-hunting doesn't make you a "miser" - just a sensible individual.

7. The fast buck is your last buck

Sooner or later everyone gets offered a "surefire" method of making a fortune, whether it's three-card trick, a once-in-a-lifetime investment plan, or some time-limited business opportunity only available to a select few...

Don't fall for too-good-to-be-true scams.

Teach your kids that wealth creation is a simple and timeless process based on common sense.

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If you had learned above principles when you were 10 years old, and had applied them every day of your life, would you be financially healthier today?

You betcha!

Teach your kids timeless truths of acquiring and keeping wealth.

Knowledge truly is most precious gift you can give.

However, if you don't want to spend hours surfing through site after site with no side-by side rate comparison, best source of information is through a rate calculator site. these sites often allow you to enter first 6 digits of your phone number, or your state, and your calling habits. They then compares rates and service from as many as 50+ phone companies offering service in your area.

Be aware of scams and fine print. Among these are “slamming," where a person's phone service is switched to another carrier without permission. It is also important to understand fine print. If you are at all uncertain about a plan being offered via a telemarketer, ask to have information outlining plan sent to you, or ask for a web address that you can look at on your own time. If sales representative is hesitant to give you more information, you should probably thank salesperson for their time and promptly hang up.

Offers of free phone cards or limited-time, super-low rates should also ring a warning signal. There is nothing illegal about these kinds of offers; they can just be confusing to a consumer who does not read carefully or fully understand details.

Finally, remember that phone companies are out there to serve you. You are, after all, customer. If you are being a good customer and paying your bills on time (and giving your repair person a hug, or a beer/coke/iced tea whenever they fix your lines), then company should be providing you with a high level of service and support, as well as affordable and competitive rates. If company is not, then you should let them know by switching your phone service.

Even if you think that you are receiving good service, you should keep yourself educated on rates and services available to you, because part of a company offering good service is a company that offers a competitive rate.

There are many other ideas for keeping your phone bills low, but really, best way to know if you are getting best rate is just to check regularly on a rate comparison site. As mentioned at beginning of this article, many people are ignorant of their own ability to search for less expensive phone service.