It all started coming back to me slowly - I now remembered how my mom told me what a bond would do, and what was a CD (Certificate of Deposit), and I remembered my parents going to bank and discussing over which CD they wanted to buy (how many years, how much). I remembered asking my mom about opening a saving or checking account, and she let me decide which bank I wanted. She took me to the bank of my choice and helped me to open my very first saving account. I felt very thrilled that day.
I remembered my mom telling me all about the credit cards - interest rate, and paying back in full monthly, and giving me my first credit card at age of fourteen, for emergency use when I was away at MSSD (Model Secondary School for the Deaf) in Washington, DC, 2000 miles away from Saint Paul. I remembered I was very careful in using the credit card, and only using it when I needed. I never abused any of my credit cards, thanks to my parents.
My dad has been giving me a lot of good advices, on retirement plans, buying my first home, and investment ideas. He is a certified financial consultant, so he has a lot of advices under his belt. I notice that my mom has influenced me strongly when I was a dependent (from birth throughout college), and then my dad is my strong influence after I have moved to Kansas in August 2003.
For this I am truly grateful to have my parents for educating me to be financially "savvy". Thanks dad and mom.