When our eldest daughter was old enough to understand what saving money was all about, my wife and I sat down with her and explained the value of money. We explained how you save, and when the piggybank was full, you take the money out and deposit it in a commercial bank so that it might draw interest. We thought we had done a thorough job. She seemed to understand and couldn't wait to open a savings account in our local bank by herself.

I called the banker in our little town and told him our daughter was on the way to open her savings account. We would stop in later and sign the necessary papers.

What a thrill! She got the president of the bank himself to wait on her. She handed over her savings, and he gave her a receipt and thanked her for her business. But she wouldn't leave. She just stood there like she was waiting on something else. "Is there anything else that I can help you with?" he asked.

"Yes," she said, "I want my interest."