<font color="808080"><font face="Comic Sans MS,Tahoma">ioio,
my hb changed from UOB,the red packets not bad la
ya, for #1, i opened an ac for him, with my name as he's too young, then when he goes to P1, i uses this same account for the school fees, as the Govt will give him a lump sum each year for the Edusave account, can use to pay school fees, excursions & so on. we also encourage him to do house work at home, and we will " pay" him salary, and he uses his " salary" for his recess, now he's getting lazy, as my sis will give him $10 from time to time, so he thinks he has alot of money at the moment, no need to "work"
i find that teaching him the value of money is good, he learn to think before he buy anything, 1 time he was at the food court, wanted to buy his favourite food, roti prata, but this stall was selling $1/piece, and he goes like:"my school only sell $0.60 each", he actually asked the stall owner to cancel the order.
for #2, will do the same</font></font>