\'Money Doesn\'t Grow on Trees\'

Neale S. Godfrey, author of "Money Doesn't Grow on Trees: AParent's Guide to Raising Financially Responsible Children," and chairof the Children's Financial Network:

"Step away from thetelevision and the magazines. All they serve to do is show you howstupid you are because you've missed whatever they're talking about.It's old news. It's already happened."

The advice came from herfinancial adviser, she recalls. "I used to call him and say, 'Whydidn't we ...?' He'd say, 'Stop it. Step away from the television. It'sdone.'"

She realized that he was right. "By the time you see itor read it, it's done; it's happened," Godfrey says. And if you listenand follow the hot news, she says, "You will buy at the top and sell atthe bottom -- exactly what you're not supposed to do."