So you probably think that because I titled this post "Banks" it's going to be all about Occupy Wall Street and dissing capitalist pigs. Wrong! It is about banking, though, but banking at home, not in an institution.

For some reason, the beginning of third grade seemed to me to be the right time to finally institute an allowance for the girl. We've had lots of discussions about money: we involved her in allocating charitable gifts last winter, we've discussed earning and saving at length because of her burning desire for yet another American Girl doll, we talk about what things cost. Just last weekend, I took her to the...

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