For more information . . .

*Kid$ense: A Web site that helps children learn about personal finance (www.kidsenseonline.com). It also offers a curriculum to help parents and teachers instruct kids about money (877-543-8316).

*doughNET: This site lets teens open savings and investment accounts, and gives them the opportunity to donate earnings to causes they want to support (www.doughnet.com).

*"Money Doesn't Grow on Trees: A Parent's Guide to Raising Financially Responsible Children," by Neale S. Godfrey (Fireside). "Dollars & Sense for Kids," by Janet Bodnar (Kiplinger Books).

(c) Copyright 1999. The Christian Science Publishing Society