You can start these lessons by creating a minibudget with your children. Start with two spending lists: one for essentials and the other for nonessentials. In the essentials category, you might include expenses like lunch money and clothing.

For quotations using this term, see Citations:hera.

“You sure know how to pick 'em, Frank. That bar, Miguel, a racist bartender. That's a hell of a way to start a night,” Jefferson said. “Yeah,” I said. “I sure can pick 'em.”

IF you are south of Greenwich Street in Manhattan between noon and 5 p.m. today, look for a weird miniparade: A guy carrying a “quiet” sign followed by a golfer, his caddy and an entourage of nattily dressed “fans.”