Know a family with kids? Give them a FamZoo gift subscription and help the parents teach their kids good money habits. FamZoo.com is an online application that helps parents teach their young children, tweens, and teens good personal finance habits. Each family that joins can set up their own online Virtual Family Bank to manage spending, saving, charitable giving, budgets, allowances, chores, goals, loans, and much more. Funds can be managed in either IOU accounts (which simply track money held by parents elsewhere) or prepaid card accounts (great for automatically tracking purchases and giving kids direct payment responsibility in a safe way). Parents can start very simple with young kids and add sophistication as their children mature through the tween and teen years.