I'm no financial genius ...

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She is barely out of diapers, but the world already knows 2-year-old Karina Oakley is a genius. Her mother, Charlotte Fraser, revealed to the British media Tuesday that a London-based intelligence researcher estimated her young daughter's IQ around 160.

This March, America learned it had its own genius child. Six-year-old Pranav Veera of Ohio made the media rounds after he scored 176 on an IQ test.

Although millions of us celebrate these children's brilliance on TV shows that air past their bedtime, childhood development experts debate whether Pranav and Karina should ever have been told.

"We don't usually tell children what their IQ scores are," said Sylvia Rimm, a child psychologist and author of "Why Bright Kids Get Poor Grades, and What You Can Do About It."

"The overemphasis on how brilliant they are often leaves them with a pressured existence trying to living up to their potential," she said.

Rimm has seen many clearly gifted children begin to shun work, fall short or even fail due to a psychological trap.

"The root of gifted underachievement is that kids feel that they need to prove how smart they are all the time," said Rimm. "When they're young and in school and they find school easy, they then get into the habit of equating smart with easy."

If that happens, especially if "gifted becomes a title over their head," Rimm said children may just simply walk away from any challenging schoolwork to protect a fragile identity.

"When challenge gets there, it feels threatening [and] they think, 'Suppose people find out that I'm not that smart?'" said Rimm.

Rimm said she would not even venture to use the word "gifted" unless a parent has to do so to explain something, nor would she ever bring up a specific IQ.

But intelligence researcher Joan Freeman, who tested Oakley, takes a slightly less restrictive view. Freeman has followed 210 "gifted" children and children with normal abilities for 35 years. In her research, she has seen children's awareness of IQ both help and hinder them as they grow.

"Some children are happy and proud, and some children are really affected by it," said Freeman. "They begin to feel that that's all that people value them for. ... For some children, it's frightening to be gifted."

When you say you backed them financially, are you a part of the organization's structure, or are you basically doing it as a donation? I could be really wrong, so you definitely need to check with the IRS, but I think to be able to deduct those expenses, you either need to be part of the organization's corporate structure or the organization needs to be a 501 non profit.

head on your shoulders. Your little one is lucky to have you. I don't wish ill on anyone and hope I didn't come across as sounding as though single parents don't deserve the EIC. They certainly do. Public assistance is another story though and that's why I distinguished between the 2 in my statement. Too many get it that shouldn't.

It's not stressful to have the savings; for me, it's stressful getting it in there. We also do a lot of pre-tax savings, but I still like a refund. Thanks for the well wishes. We're hoping to start rebuilding this month. Houses cost a lot more now to build than they did 10 years ago and we've got 2 kids more than we had then, too.

Like many, we are really suffering. My husband's employer filed Chapter 11. He kept his job, but his salary has been cut in half.

I have been out of work and looking for months, though I do get a few hundred dollars every month. All that goes toward our household expenses.

We are so far behind in our rent that the landlord's kindness is all that stands between us and eviction, but it's coming.

I know the only solution is more income. My husband WAS persuaded that he would have to find a second job, then I had two interviews. He felt optimistic that I would get on or the other, but I didn't.

Now he says he shouldn't have to get a second job if I don't have one. I understand how unfair that must feel, but his job hasn't paid our rent for nine weeks. Fair seems kind of beside the point.

In previous relationships I've gone through hard financial times, and the men really rose to the occasion. I don't know what to do. My husband plays video games several hours a day while we are going under.

We could have eviction filed on us within two weeks and I'm scared to death. I haven't even been able to get a minimum wages job. I feel that he's just going to ride it down and live in his car.

What should I do? What should I say to him?

is giving away a free download of her book. Go to Oprah's web site and download, "Women and Money," free until tomorrow at 5:00. I love anything about her and thought I'd share this! Free stuff is also good!