With credit playing an important role in a number of financial determinations, learning good habits at the start can give consumers the edge they need when applying for an auto loan, a mortgage, or even a job.

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It is to give parents of every racial and social-class background the examples, encouragement and supports they need to help their children experience the joy of learning and develop ambitious attitudes and habits of mind that will serve them well throughout their lives.

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And I think that that requires more than just rote learning -- although it certainly requires good habits and discipline in school -- it also requires that in the classroom they're getting the kind of creative teaching that's so important.

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First, prepare yourself before your bad habits separate you from reality, by learning about your own natural assets, temperament and vulnerabilities.

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And, significantly, children (and adults, who are we kidding) develop and build on the habits of mind to develop and promote STEM learning.

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Initiatives meet specific needs to help young children and families develop critical skills, acquire healthy habits and build emotional strength to prepare them for lifelong learning.

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