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(cái)經(jīng)理們過(guò)去總是從該國(guó)最富裕的家庭聽(tīng)到同樣的話：幫幫我！我的孩子對(duì)理財(cái)一無(wú)所知，總有一天會(huì)蕩盡家財(cái)。

　　兩年之后的今天，蒙特利爾銀行專(zhuān)門(mén)針對(duì)“高額資產(chǎn)家庭”子弟推出的的一日知識(shí)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?cái)富。

　　該銀行的理財(cái)服務(wù)部副總監(jiān)吉恩•布萊克洛克說(shuō)：“有關(guān)開(kāi)課的消息已經(jīng)傳出去。我們提供的服務(wù)是競(jìng)爭(zhēng)對(duì)手所沒(méi)有的，家長(zhǎng)們看到他們的孩子參加講座后很興奮也感到非常開(kāi)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(qián)的父母的逼迫下才去聽(tīng)課的。

　　來(lái)自紐約、教授該理財(cái)課程的專(zhuān)家吉姆•達(dá)維斯坦稱(chēng)：“大家的興趣程度各不相同。有個(gè)學(xué)員說(shuō)，‘我愛(ài)彈吉它畫(huà)畫(huà)，但我爸告訴我必須去上這個(gè)課，要不他就不給我錢(qián)花。’”

　　但經(jīng)濟(jì)危機(jī)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(gè)主要的常識(shí)性問(wèn)題，包括如果設(shè)定目標(biāo)，保持預(yù)算平衡以及如何避免受麥道夫這樣的理財(cái)經(jīng)理的詐騙等等。

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

　　該講座的關(guān)鍵詞是謹(jǐn)慎。布萊克洛克拒絕提供學(xué)員信息，只稱(chēng)參加培訓(xùn)的學(xué)員的家庭凈資產(chǎn)至少為50萬(wàn)加元。據(jù)她介紹，家庭成員們總是一起來(lái)聽(tīng)課。

　　布萊克洛克解釋說(shuō)：“一家的兄弟姐妹常常一起來(lái)聽(tīng)課，也有表親一起來(lái)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。