"I would like to limit the programs my kids have access to. I would like to limit it to mainly the browser, games, and education. Just don't want them to get into the dangerous programs. Is there a simply way of doing this?"
You can do this with PATH. Create a directory called /usr/kids and copy the allowed programs into /usr/kids. Then reduce the kids PATH to /usr/kids (you may also need the path to KDE or gnome). How to set the PATH varies from one distribution to another. It will be done in a file called /home/kids/xxxx where xxxx could be .profile, .bashrc, .bash_profile, or some other similar name.
In any case taking /bin and /sbin off the kids PATH will help.
Be prepared. Create a LifeBoat CD.