re: RE: re: Re: Needing help with a merit badge
Kathie Cerveny (kathie@DELTA.EECS.NWU.EDU)
Tue, 9 Feb 1993 09:00:22 CST
As a merit badge counselor for Personal management for the past 15 years,
perhaps I can be of help here.
I always do the following:
1. Insist on the 3 month budget report - written - money in and money out
- and from where and why.
2. I ALWAYS ask the scout to visit a local banker (loan officer) or
credit union to talk about loans, credit, establishing credit,
buying on time. I also ask that he bring back a business card from
the officer and a blank loan application. The scout must be
prepared to discuss the loan process, credit process, installment
loans vs. credit cards. The when, why, how, and SHOULD!
3. All requirements must be met -- now, not when he was 9 years old.
That is a basic requirement for any badge. The work must be now.
I find the above items (1 & 2) extremely useful for the Scout. First he
usually does not know how much money he goes through in a week, month, etc.
and has no idea of how much he actually wastes. By meeting (2) he has
reinforcement of going to yet another stranger and communicating -- he also
gets yet another viewpoint from which to draw his own evaluation. A
process he must learn to do well if he is to succeed in his adult life.
If you have any further questions - just ask.
Chicago Area Council
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City