Mr. Ted E. Bear Financial Director "TEDDY POINTS" Cabrillo Fed Credit Union(SD)-"Young Explorers Account" Point Loma Credit Union(SD)- "Looney Toones Account" American Savings Bank(HA) -"Money Hune Savings" Ulster Fed Credit Union(NY) - "Dino Kids Club" ___________________________________ . Money Instructor - An educational site for teaching and learning basic money skills, personal finance, business education, work and life skills. Lesson plans, worksheets, interactive lessons. Topics include counting money, banking, budgeting, saving, investing, and much more! ___________________________________	5 simple ways to introduce children to personal finance and managing money: 1. As soon as children can count, introduce them to money. Observation and repetition are important ways children learn. 2. Communicate with children as they grow about your values concerning money --- how to save it, how to make it grow, and most importantly, how to spend it wisely. 3. Help children learn the differences between needs, wants, and wishes. 4. Setting goals is fundamental to learning the value of money and saving. Goal-setting helps children learn to become responsible for themselves. 5. Introduce children to the value of saving versus spending. Explain and demonstrate the concept of earning interest income on savings.
	earlyearners.com . Early Earners, Inc. was founded in 2005 with the mission to serve families by teaching children to become financially responsible and helping them open and contribute to interest-bearing savings accounts. Early Earners brings together families and financial institutions to facilitate the creation of automatic savings programs. Early Earners aims to show America's youth the importance and simplicity of saving early and often. We provide families with online financial education emphasizing the value of long-term savings, a clear and simple process for families to establish an automatic savings program.	moonjar.com . Moonjar moneyboxes were created as a tool for children and families to incorporate strong financial values and practices into their daily lives. Launched in 2001 by Eulalie M. Scandiuzzi, a Seattle native. Moonjar moneyboxes are used in homes and schools around the world. Moonjar is featured in the news regularly as a member of a growing group of advocates for youth financial literacy. Moonjar offers parents tools for helping children learn about allowances, budgeting money and philanthropy. It’s the personal finance resource that all families need to begin putting the conversation about money on the table.