If all the toy ads, over-the-top decorations (starting in October!), and incessant credit card use are bringing on the holiday blues, try creating some new holiday memories that are fueled by compassion, not commercialism. These simple traditions will not only let you share important values with your children, they will also lift your spirits. It's guaranteed: your kids will treasure these memories long after their once-coveted toys are broken or forgotten.

Offering children an allowance provides the opportunity to have ongoing conversations about important financial literacy skills. And that's critical. According to researchers, three out of four young people cannot answer basic financial questions. In addition, dealing with small amounts of money when they're young allows children to make mistakes and learn from them, before poor financial decisions have serious consequences

If our democracy is to thrive, we must teach children the skills they need for critical reflection and thoughtful civic engagement. Research tells us that people who have been educated in civics are more likely to vote and be involved in public life. Here are five easy, hands-on ways to help kids begin to see how they can help create the world they want to live in.