Two years later, the one-day seminar aimed at the grown children of what the bank calls its "high net worth families" has a waiting list, and is taking to the road to teach heirs and heiresses across Canada how to manage their money.

　　"Word has gotten out about the program," said Jean Blacklock, vice-president of wealth services at Canada's fourth-largest bank. "Our competitors are not offering anything similar ... and parents are very happy to see how excited their children were after attending the seminar."

　　Many were less thrilled before they attended, forced to participate by parents who control the purse strings.

　　"Levels of interest vary," admitted Jim Davies, the New-York based expert who teaches the day-long course. "You get one who says: 'I play the guitar and draw, and my father told me I have to go to this or he'd cut me off'."

　　But the economic crisis and grim headlines have upped appetites for the seminar, aimed at teaching a few key generalities: how to set goals, balance a budget, and avoid getting swindled by Bernie Madoff-esque money managers.

　　"They're concerned about that, of course they are," said Davies, a New York Institute of Finance faculty member who has been teaching children of the wealthy for 20 years.

　　The code word for the seminar is discretion. Blacklock declined to name clients, saying only that parents have a net worth of at least C$500,000. She said it is frequently a family affair.

　　"Siblings often come together, or we have cousin combinations," Blacklock explained, showing the plush seminar room, 68 stories above Toronto's financial district, where wealthy heirs had enjoyed wall-to-wall views of Lake Ontario only moments before.

　　加拿大蒙特利爾銀行的理財經(jīng)理們過去總是從該國最富裕的家庭聽到同樣的話：幫幫我！我的孩子對理財一無所知，總有一天會蕩盡家財。

　　兩年之后的今天，蒙特利爾銀行專門針對“高額資產(chǎn)家庭”子弟推出的的一日知識講座頗受追捧，該講座主要教授加拿大富豪家族的繼承人們?nèi)绾喂芾碡敻弧?

　　該銀行的理財服務(wù)部副總監(jiān)吉恩•布萊克洛克說：“有關(guān)開課的消息已經(jīng)傳出去。我們提供的服務(wù)是競爭對手所沒有的，家長們看到他們的孩子參加講座后很興奮也感到非常開心。”蒙特利爾銀行是加拿大第四大銀行。

　　很多孩子之前并不感興趣，是在管錢的父母的逼迫下才去聽課的。

　　來自紐約、教授該理財課程的專家吉姆•達維斯坦稱：“大家的興趣程度各不相同。有個學(xué)員說，‘我愛彈吉它畫畫，但我爸告訴我必須去上這個課，要不他就不給我錢花。’”

　　但經(jīng)濟危機和各種郁悶的消息增加了該講座的吸引力。該講座旨在教授幾個主要的常識性問題，包括如果設(shè)定目標，保持預(yù)算平衡以及如何避免受麥道夫這樣的理財經(jīng)理的詐騙等等。

　　達維斯說：“他們很關(guān)心這些問題，這是當(dāng)然的。”達維斯是紐約財政學(xué)院的一名老師，他教授富家子弟理財已有20年。

　　該講座的關(guān)鍵詞是謹慎。布萊克洛克拒絕提供學(xué)員信息，只稱參加培訓(xùn)的學(xué)員的家庭凈資產(chǎn)至少為50萬加元。據(jù)她介紹，家庭成員們總是一起來聽課。

　　布萊克洛克解釋說：“一家的兄弟姐妹常常一起來聽課，也有表親一起來的。”講座教室十分豪華，位于多倫多金融區(qū)68層的高樓之上，在這里這些富家子弟們剛剛欣賞到安大略湖的全景。