for other forms of payment, owners should write the pin on all checks, returning the payment coupon by mail and having the bill with the payment coupon when making payment at banks. the mouse and the motorcycle - this is a great one to start with if you have younger boys (ages 4-8) who don't think they like being read to. "too many kids are at risk." i am so happy this went over well, but it was a trying time in our house that first month. 