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Students and Advisor are having a conversation outside Young AmeriTowne Towne Hall
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Anna Brekken - Colorado and Company May 2022
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JP Morgan volunteers hold boxes of supplies they filled for YouthBiz StartUp
Vivian Blessing Colorado and Company April 2022
Alpine Bank Representative poses with several students while presenting a check for $100,000
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Ryan Warner poses with four students in the Radio Station in Young AmeriTowne
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YOUTHBIZ STARTUP PARTICIPANTS AT PORTER BILLUPS LEADERSHIP ACADEMY PITCH THEIR BUSINESS IDEA TO DEBBIE TRUJILLO, CORPORATE RESPONSIBILITY OFFICER AT KEYBANK.
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The Light CO2 carbon footprint calculator is shown in grass. Light CO2 empowers everybody and anyone to change climate change. We’ve built a survey from the ground up that asses your unique impact on the environment and empowers you to defy carbon with an offset that fits your needs. By planting trees, we capture the CO2 emitted by your daily activities.
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YouthBiz StartUp Judging Evaluation Sheet: YouthBiz StartUp provides middle and high school students with the basic building blocks of success through an engaging curriculum and hands-on activities.
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Has the cold and snowy weather made you long for sunny days when you could be playing or skateboarding outside? Business owner Charlie Reynolds, the 13-year-old creator of Bad Cat Fingerboards, has a solution right at your fingertips! Fingerboarding is a miniature version of skateboarding. But instead of using your legs, you use your fingers! I sat down with Charlie to learn more about his business and his success this year.
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Student Deposit to First Bank in Young AmeriTowne. One in a red hoodie hands a teller with a flower in her hair cash.
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Sponsor Spotlight: Community First Foundation Powers Philanthropy in Young AmeriTowne
Evelyn Murphy began painting her pet chickens for fun, but after showing her work to friends and family, she soon realized she could turn this hobby into a business. Evelyn has since expanded Pollo Nugget Studio to include her original chicken art, sketchbooks, and custom paintings for clients. Her unique style and bright colors attract customers to learn more about her business and her story. Judges loved that Evelyn stays true to herself in her artwork, commenting, “Keep being who you are and people will gravitate to that!”
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Reaching more than 30,000 youth per year, Young AmeriTowne is an award-winning educational program offered to 4th, 5th and 6th grade teachers to help students learn about business, economics and free enterprise in a fun and hands-on way. The program has received countless accolades for its engaging format and its applicability across all types of student and school demographics.
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Reaching more than 30,000 youth per year, Young AmeriTowne is an award-winning educational program offered to 4th, 5th and 6th grade teachers to help students learn about business, economics and free enterprise in a fun and hands-on way. The program has received countless accolades for its engaging format and its applicability across all types of student and school demographics.
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Portable safety alarms, Face Cloth Masks, Hair Clips and Accessories Focusing on your safety with our Portable Alarms, Quality Cloth Masks, Elegant and Handmade Hair Accessories, and gifts
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Sponsor Spotlight: Alameda Gateway Creates Caring Community at Young AmeriTowne Belmar
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Participants with orange scarfs stand together with YACFE and First Bank executives. Supporting the community is part of FirstBank’s DNA. FirstBank has been recognized as a top corporate philanthropist and contributed more than $60 million and thousands of volunteer hours to charitable organizations (efirstbank.com ). As a result, we’re proud to highlight the partnership between FirstBank and Young Americans Center for Financial Education that allows youth to learn about banking and finance in a fun, hands-on way. At the center of the Young AmeriTowne economy in Lakewood is the bank, presented by FirstBank. Towne businesses take out loans and make deposits. Student citizens deposit their paychecks and receive cash to spend in Towne. By learning about the process and importance of banking at a young age, youth are better prepared for the future. Ten-year-old Maddox writes that in Young AmeriTowne, ““I learned how to handle paying the bank loan back and depositing money. I feel very confident that I can handle money.” An additional way that FirstBank strengthens Young Americans Center is through its support of Colorado Gives Day . This state-wide day of giving is an initiative of Community First Foundation to celebrate and increase philanthropy through online giving. FirstBank partners with Community First Foundation to create a $1 Million Incentive Fund, one of the largest gives-day incentive funds in the country. Every nonprofit receiving a donation on Colorado Gives Day receives a portion of the fund, which increases the value of every dollar donated. “Strengthening communities to create an even playing field for all is what FirstBank stands for, and it’s a core component of our mantra ‘banking for good,’ ” said Joe Amato-Baril, Senior Vice President of Marketing at FirstBank. “That’s why we’re so thrilled to provide hands-on lessons in financial education for youth attending Young AmeriTowne. We know education is the single most impactful way we can help tomorrow’s generation achieve financial independence, and we’re grateful to Young Americans Center for Financial Education for helping us make that possible.” You can join FirstBank in supporting hands-on financial literacy programs for youth! Young Americans Center is participating in Colorado Gives Day, hoping to raise $20,000 to provide scholarships for low-income students.
Hannah’s beautiful soaps make it hard to believe that she’s an 11-year-old entrepreneur who’s only been in business for about six months! As the owner of Simply Denver Soap Co., Hannah has created all-natural soaps in six different scents. Her soaps, which make perfect holiday gifts, are available for purchase on her Etsy site or at the upcoming YouthBiz Marketplace on Saturday, December 7. Learn more about Hannah and her business below, and watch her segment on Colorado & Company !
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Depositing $2,785.50 in the bank is exciting no matter how old you are. And if you’ve worked to collect all of the funds yourself, you might be so excited that you couldn’t possibly sit still! FOURTH GRADE STUDENTS MOLLY AND TOMAS ORGANIZE BAGS OF CHANGE TO DEPOSIT AT YOUNG AMERICANS BANK THROUGH THE SPARK CHANGE PROGRAM. This was the case last Thursday as fourth grade students from Graland Country Day School skipped into Young Americans Bank to make a deposit as part of the Spark Change program. Spark Change is a K-8 curriculum that provides a hands-on lesson in philanthropy and leadership as students collect change and then donate their time and talent to local causes. Student leaders have worked on the program throughout the fall, researching causes and collecting change, and their deposit means they are nearing the end. “We have just one more week to go,” said Library Coordinator and program head Linda Sears who supervised the deposit. Students Molly, Tomas, Emory, and Jacob were on-hand to help. Service learning is important to Graland, a private Pre-Kindergarten through 8th grade school in Denver. According to its website, “Graland incorporates a rich, experiential learning approach in a traditional classroom setting, emphasizing the development of globally and socially conscious leaders who excel academically.” Ms. Sears echoed this mission, saying, “We’ve been doing the Spark Change program for years because we want to help our community. It’s important for all students.” Spark Change provides a hands-on approach to philanthropy. “I did some extra chores at my house to help earn more money,” said nine-year-old Molly. “And I brought in $41–just me!” Tomas raised $1,000 on a Go Fund Me site that his dad helped him set up. Jacob went into every classroom with posters and information so the school would know what the change drive was all about. And next week, the group plans to picket the “Kiss ‘N Go” drop off line at school to raise even more. TOMAS, JACOB, AND EMORY PEER INTO THE YOUNG AMERICANS BANK COIN MACHINE AS PROGRAM LEADER LINDA SEARS, LIBRARY COORDINATOR AT GRALAND COUNTRY DAY SCHOOL, OBSERVES. Although the group hasn’t narrowed down their nonprofits just yet, they have decided to dedicate their funds to help the environment, to the homeless, and to health–one third to each. “It feels really good to know that we’re helping people and our earth,” said Tomas. Morgan Levy, Assistant Vice President at Young Americans Bank, assisted the group with their deposit, spending most of the time at the change machine. Although she’s helped hundreds of young people with their deposits, this day was particularly memorable. “It’s really fun to get to see how much the students bring in through Spark Change,” she said. “And it’s inspiring, too–change really all adds up!” To learn more about Spark Change or to introduce this program to your students, contact Program Coordinator Kelsie Byrd at kbyrd@yacenter.org.
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On a Thursday evening, the “best of the best” youth entrepreneurs pitched their business ideas to a panel of judges. These 16 middle school students won top honors at their school’s Colorado Uplift YouthBiz StartUp pitch competition, and convened for the finals to compete for the top prize: $250. Their creativity and professionalism impressed judges and audience members alike!
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Young Americans Center for Financial Education and Park Burger are thrilled to introduce you to the 14-year-old winners of Burger Biz! This team created the Omnivore’s Colorful Challenge, a delicious and more nutritious alternative to the standard hamburger. In addition to winning $500, creators Gabriel Nagel and Kellan Clapp will have their burger featured in Park Burger restaurants throughout the month of November, where a portion of its sale will benefit the hands-on financial education programs of Young Americans Center. Learn more about Gabe and Kellan’s burger on our blog, and watch their segment on Colorado & Company !
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Lutheran with Excel Academy Charter School: Students stand together at medical center with YACFE and staff
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Youth entrepreneurs helped fuel the energy and excitement of Denver Startup Week for a third straight year! Youth Pass, a partnership between Young Americans Center’s YouthBiz program, Junior Achievement and Denver Startup Week, enabled students to participate in event workshops, to lead panel discussions, to compete for cash prizes, and to pitch their business ideas to Colorado entrepreneurs and business leaders throughout the week of September 16-20. YOUNG ENTREPRENEURS SHOUKEN LOPEZ, LUKE ADEN, MIA HAYDEN, MELANIE ZHOU, AND JACK MCCONNELL PITCHED AT THE YOUTH PASS PITCH CHALLENGE. A highlight of the week occurred on Tuesday afternoon with the Youth Pass Pitch Challenge. Mirroring the adult Pitch Challenge, Youth Pass provided an opportunity for youth-owned businesses to pitch to a panel of judges. Four businesses took part: Luke Aden Photography created by Luke Aden, The Teen Entrepreneur created by Shouken Lopez, Katch created by Jack McConnell, and Oasis created by Mia Hayden and Melanie Zhou. Luke, who is a senior at Dakota Ridge High School, felt honored to participate: “The fact that teens have this opportunity is so exciting, and my goal is to hit the ground running whether I win or not.” Vice President of YouthBiz, Anna Leer, watched these entrepreneurs grow throughout the process of preparing for their pitch. “This experience has pushed them way beyond what’s comfortable,” she said. “Watching them grow, think, and develop what they really want for their business has been truly awe-inspiring for me and for everyone involved.” Team Oasis ended up taking top honors at the Youth Pass Pitch Challenge. Inspired to take action after a friend’s suicide, Mia and Melanie created Oasis to provide a physical “Oasis” space in schools for students to seek emotional care. After winning the Youth Pass Pitch Challenge, Oasis went on to compete against 19 other (adult-owned) businesses for a chance at the Denver Startup Week Pitch Challenge Finals. Mia and Melanie wowed the judges again, and they went on to win the Grand Prize Package worth $100,000! HANNAH, THE OWNER OF SIMPLY DENVER SOAP CO., TALKS TO CUSTOMERS AT THE DENVER STARTUP WEEK MARKETPLACE & EXPO. Youth entrepreneurs also participated in the third annual YouthBiz Marketplace and Expo at Denver Startup Week. While some of the 19 participants had long-established businesses, others, like 11-year-old Hannah, made their debut at the event. Hannah’s business, Simply Denver Soap Company, sells all-natural soaps for people with sensitive skin, just like her. For Hannah, talking to people about her products was, “a lot of fun!” She even made a few connections with business owners that would like to sell her soap in their shops. Marketplace visitors were also delighted and impressed with their experience. Entrepreneur and Denver Startup Week Participant Martin Rosenberg wrote on Twitter, “The young entrepreneurs here at #DENStartupWeek‘s Future of Entrepreneurship event were all so impressive, and I can’t thank @yacenter enough for putting this event on. I look forward to buying from all of them.” GABE NAGEL, CHLOE WARREN, CLAIRE FISK, AND EVAN HOING SHARED THEIR INSIGHTS WITH FELLOW MAKERS AT THE DENVER STARTUP WEEK MAKING IT PANEL. Youth Pass 2019 wrapped up with a panel discussion called Making It: Achieve Success in the Maker Movement at Any Age. Four young entrepreneurs led the discussion: Gabe Nagel, creator of Gabe’s Bazaar, Chloe Warren, Co-Owner of Sweet Bee Sisters, Claire Fisk, creator of Wonderful Words, and Evan Hoing, Owner of Evan Hoing Woodworking. In addition to sharing their stories, the entrepreneurs provided inspiration for getting started in the Maker Movement. Claire’s advice was simple: “Say yes! There’s so many opportunities if you just decide to say yes!” Gabe added, “Be persistent. Keep trying and don’t give up.” Through Denver Startup Week Youth Pass, youth entrepreneurs gained real world experience in running a business, pitching an idea and networking with the Colorado business community. And the real value of this week was that adult entrepreneurs could witness and interact with the future of entrepreneurship in our state.
This skilled seamstress has discovered the power of advertising at an early age! After discovering her mother’s old sewing machine and taking a few lessons, 12-year-old Maile McManis sold her first products in December of last year. She sews cosmetic bags, produce bags, handbags, purses, and more for her business Sewing with Smiles. Maile is a finalist in the Spotlight on YouthBiz Stars business competition. Learn more about Maile below, and watch her segment on Colorado and Company . Question: Tell me a little bit about you — name, age, how long you’ve been an entrepreneur? Answer: Hi there, my name is Maile McManis. I am 12 years old and the oldest of 4. I have 2 very energetic, sportsy sisters, and one CRAZY brother. I am a 7th grader and I love seeing the world. I am learning Chinese and I take drama. I love all animals, especially my 150lb. puppy who loves to play. I started sewing in June of 2018, when we found my mom’s old sewing machine in our basement. She never learned to sew, but she was very supportive and even found me an amazing sewing teacher, her name is Marsha. Marsha taught me everything I know about sewing, and I am still learning from her. Then in December of 2018, I decided to sell my bags at the YouthBiz Holiday Market. It was a huge success… I made $300, and that was the start of my business. Since then I can barely stop sewing. Q: Do you have a website? If so, let us know what it is. A: At the current moment, I do not have a website, but am planning on creating one this year. To make an order, you can email me at sewingwithsmilesbymaile@gmail.com. Q: What motivated or inspired you to start a business? A: I was motivated to start a business by my sewing teacher, my mom, my grandparents, and my dad, they were always encouraging me to sell my things and start saving up for things that I wanted. If it wasn’t for them I wouldn’t be here right now. Q: Please share an overview about your business. A: My business is all about bags. I sew multiple different types of bags, cosmetic, produce, handbags, purses, leather bags, and one of my new bags is the candy wrapper bags. Q: Tell us about some of the challenges you face being a young business owner. A: Some of the challenges of being a young business owner are fitting everything in. I am in middle school, I have homework, I play volleyball and I am in a musical theater performance. So sometimes it is hard to make time to sew and still have fun in my other activities. There are things I would like to do to continue to grow my business, such as launching a website, but it can be hard since it is time consuming. Q: Why should other youth start a business? A: Other kids should start a business because it teaches you responsibility and it helps save up for things that you really want. It is also fun to see the reactions when you tell people about what you do. Q: What’s the best part about having your own business? A: The best part about having my own business is doing something not a lot of other kids my age do. I am proud of what I have accomplished and I am excited to see where my business will go in the future. One other really cool part is that I am able to spend my profit in really awesome ways. For example, my school has a theater trip to New York City, and my parents said that they would split it with me, thankfully I have enough money to go. Q: So, you’re one of the finalists for the Spotlight on YouthBiz Stars business competition–congratulations! What motivated you to apply for the competition, and what do you hope to get from this experience? A: I was interested in applying to this competition because I think I have very interesting products that people will really like, and I think that the attention for my business will be great. I would really love to win! The thing I hope to get from this experience most is a mentor to help give me tips and advice to help my business grow. Q: Please share about your involvement with Young Americans. A: When I was younger, I went to Young Americans’ summer camps and at school I participated in AmeriTowne. I learned a lot about money and the importance of saving. For about a year now, I have been selling through their YouthBiz Marketplaces and am now excited to be a finalist in the Spotlight competition.
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Even though he’s only 16 years old, Shouken Lopez has found so much success as an entrepreneur that part of his business involves teaching others how to be successful! Shouken’s online store uses dropshipping to fulfill orders. The products are shipped directly from a wholesaler, and Shouken’s profits come from the margins in between. Shouken is a finalist in this year’s Spotlight on YouthBiz Stars business competition. Learn more about Shouken below, and watch his segment on Colorado & Company . Question: Tell me a little bit about you – name, age, how long you’ve been an entrepreneur? Answer: My name is Shouken Lopez, I am 16 years old and I have been an entrepreneur for around 3 years now. Q: Do you have a website? If so, let us know what it is. A: Yes, I do have a website: https://theteenentrepreneur.teachable.com/p/pro Q: What motivated or inspired you to start a business? A: What motivated me to start my business was the book Rich Dad Poor Dad by Robert Kiyosaki. It widened my perspective and outlook on life. I learned how fun business was and haven’t stopped since. Q: Please share an overview about your business. A: When I first started business, I didn’t know what to do. I feel like that is the case with most people out there who want to be entrepreneurs. Luckily, I was able to come across “Dropshipping” which essentially is creating a store with products from a wholesaler. Once you get an order on your store, you have the wholesaler ship the product directly to the customer so you don’t have to touch a single product and you make the margins in between. I have done extensive research over the past years and found myself to be very profitable. As a result, I have made a course to teach others specifically teenagers and younger people, how to make money with an eBay store without touching a single product. Q: Tell us about some of the challenges you face being a young business owner. A: Some of the challenges are days where you do not get that much sales, I run Snapchat and Instagram ads for my business and It can be frustrating when you spend $100 on an advertisement, get a lot of visitors, but no conversions. You, however, can only learn from these mistakes and keep moving forward. Q: Why should other young youth start a business? A: Other youth should start a business because it’s not as hard as it seems. And with my program, I give you all the tools necessary to run your very own profitable online business so if you don’t know what kind of business you want to do, it’s a great starting point! Q: What’s the best part about having your own business? A: The best part of running your own business is that you work for yourself. It’s on your hours and you get whatever you put into it. Q: So you’re one of the finalists for the Spotlight on YouthBiz Stars business competition-Congratulations! What motivated you to apply for the competition, and what do you hope to get from the competition? A: What motivated me to apply for youth biz stars competition was the opportunities I knew would come if I were to go far in the competition. Even now they are giving me the opportunity to be on TV so I am super grateful for that. I just hope to network with other like-minded individuals. Q: Please share about your involvement with Young Americans. A: I am a finalist for the Spotlight on YouthBiz Stars competition, I am not as involved as I would like to be however it’s a goal to be able to mentor other kids who are part of the program and help out other young entrepreneurs.
Hayden Hopkins has her own business creating notecards called Lightner Designs. Her hand-drawn designs are impressive—it’s hard to believe she’s only 11 years old! Hayden is a finalist in the 2019 Spotlight on YouthBiz Stars business competition. Learn more about Hayden below, and watch her segment on Colorado & Company ! Question: Tell me a little bit about you – name, age, how long you’ve been an entrepreneur? Answer: My name is Hayden Hopkins, I’ll be 12 in September. I started selling handmade bookmarks about four years ago to neighbors and friends. I started Lightner Designs on my 11thbirthday and I’ve participated in two YouthBiz marketplaces at the Young Americans Center for Financial Education. Q: Do you have a website? If so, let us know what it is. A: Yes, I do have a website: www.lightnerdesigns.etsy.com Q: What motivated or inspired you to start a business? A: I like to share my art to make people smile. I also like to be able to save my own money. My parents loaned me money for my 11th birthday to start a business on Etsy. Q: Please share an overview about your business. A: My business is primarily a note card business. I have about 20 different styles, including some holiday ones. I also sell gift tags and few bookmarks at the marketplace, but not online. Q: Tell us about some of the challenges you face being a young business owner. A: There are few challenges to being a young business owner. I have to have a lot of help from my parents with shipping, printing, the website and filing taxes. Sometimes people say no to carrying your product, and it’s sometimes hard not to feel discouraged. Q: Why should other young youth start a business? A: I’d definitely encourage other youth to start a business. It teaches responsibility, you have to learn discipline to keep it going. They can make their own money. And, they can share their talents with the world. Q: What’s the best part about having your own business? A: There are three reasons why I like having my own business. You learn a lot about how to manage money and planning for sales events. I’ve been able to meet other nice business owners when trying to sell my cards to them. And, it makes me feel happy when other people give me positive feedback about my business. Q: So you’re one of the finalists for the Spotlight on YouthBiz Stars business competition-Congratulations! What motivated you to apply for the competition, and what do you hope to get from the competition? A: I learned about other winners that received money for their business and my mom suggested I enter the competition–so I did. I hope to get paired with a business mentor to learn about how to grow my business and what I can do better. Q: Please share about your involvement with Young Americans. A: I first learned about Young Americans when my 5th grade class took a field trip to the Young AmeriTowne program. Also, when I was trying to sell my cards to local businesses, one of them suggested we look into the YouthBiz Marketplace. I had a lot of fun at the Marketplace and sold quite a bit of product and it made me want to do it again!
Hannah Reyes used her initials to create the name of her business, HER Designs four years ago when she was eight. She sells a variety of products, including hairclips, mirrors, popsockets, and mini-personal alarms, but all have a signature rosette that she hand-makes out of fabric. Hannah is a finalist in the 2019 Spotlight on YouthBiz Stars business competition. Learn more about Hannah below, and watch her segment on Colorado & Company ! Question: Tell me a little bit about you – name, age, how long you’ve been an entrepreneur? Answer: Hi, My name is Hannah Reyes and I am the owner of HER Designs, I am 12 years old. I have been in business for 4 years. I started HER Designs when I was 8 years old. Q: Do you have a website? If so, let us know what it is. A: My website is www.herdesigns.net . You can also follow me in Facebook and Instagram under HER Design Store. Q: What motivated or inspired you to start a business? A: Initially, I was inspired to make products for my own use. For example, I started making the rosette clips so I can use them for my hair. Then people start noticing them and wanted to buy them. The same thing happened for most of my other products. Another example is for my latest product, the mini-personal alarm. I was inspired to have a gadget for girls safety in time for my service trip to Peru. That’s when my mini personal alarm product was born. Q: Please share an overview about your business. A: My initial is HER which stands for Hannah Elizabeth Reyes. This is the inspiration for my business name. HER Designs sells hair clips and other accessories. In all of my products, I have maintained the rosette as a signature design. I have now established sub-brands for HER Designs such as HER Safety for my mini personal alarms and HER School Spirit for custom made hair accessories to match school uniforms. My latest product is my mini personal alarm that you can attach to your bag or belt. It sounds loud when pulled and it works to catch attention whenever you feel unsafe. Q: Tell us about some of the challenges you face being a young business owner. A: The hardest part in running a business as a young entrepreneur is having the access to selling products. When I started looking at retail opportunities and people hear that I am only 12, the first reaction is to turn me down. I have learned that these types of experiences shouldn’t discourage me and other young business owners but rather gives me more inspiration to stand up, do better and try again. It gives me a voice to say that age does not matter in making quality products. Q: Why should other youth start a business? A: You learn so many life skills in starting a business. You learn to be creative and try new things. You learn how to deal with successes and failures which will be valuable later in life. Q: What’s the best part about having your own business? A: The best part for me is making my products – being creative with it, figuring out how to innovate and trying something new. I love learning how to make good quality products and meeting a lot of people. All these while pursuing something that I love to do. Q: So, you’re one of the finalists for the Spotlight on YouthBiz Stars business competition–congratulations! What motivated you to apply for the competition, and what do you hope to get from this experience? A: I am really excited to be one of the finalists this year. This is my second year to join the competition. I was a finalist last year as well. My business improved a lot since last year’s competition and I got motivated to join again to further improve my business exposure. Q: Please share about your involvement with Young Americans. A: I am really thankful for what Young Americans does for youth. They gave me the opportunity to sell my products when I started. Young Americans is inspiring kids to try something new and learn along the way. I have been selling in their Marketplaces for 4 years now. Also, they are giving me the opportunity to share my story and provide guidance to kids who are thinking of starting a business.
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Make it 'Appen Pitch Presentation: Student stands in front of judges dressed in business casual wear. An audience watches them.
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In Young AmeriTowne, students discover philanthropy by thinking about how they can share their time, talent and treasure. Today, we’re highlighting a proud partner of Young Americans Center for Financial Education that has shared time, talent and treasure with young learners for nearly three decades: Empower . Empower Retirement first became involved with Young Americans Center near the very start of the Young AmeriTowne program in 1991. Over the next 28 years, Empower sent thousands of low-income students to Young AmeriTowne or International Towne and taught thousands more the basics of financial education through Money Matters classes. This year, Young Americans Center is thrilled to have Empower as a supporter at the 2019 Spotlight on YouthBiz Stars business competition and gala fundraiser. The driving force behind Empower’s community impact is a focus on ACT: associates, community, together. According to the Empower website , “Our ACT Program is designed to amplify the commitment of each associate through matching their donations, funding volunteer time and supporting collaborative philanthropy.” EMPOWER VOLUNTEER “SUPER HEROES” HELPED PREPARE YOUNG AMERITOWNE FOR A NEW SCHOOL YEAR, INCLUDING YOUNG AMERICANS CENTER BOARD MEMBER STEPHANIE BENDRICK. This focus has enabled Empower to have a direct impact on youth through volunteer time in programs. In 2018 alone, 24 Empower volunteers donated 127 hours by serving as business consultants in Young AmeriTowne or International Towne, preparing the physical Towne spaces for the start of a new school year, and providing feedback as part of a YouthBiz StartUp pitch competition judging panel. Leading this volunteer effort is Stephanie Bendrick, Vice President, Transformation and Innovation at Empower and Member of the Young Americans Center Board of Directors. In particular, Ms. Bendrick’s leadership on the Board has helped guide technology upgrades throughout the organization and has helped determine the strategic direction of Young Americans Center as a whole. For Ms. Bendrick, “Serving on the Board is a way to provide the next generation with knowledge to budget, save and obtain a secure financial future.” The impact of Empower is extraordinary. Since 1991, 471,318 youth have participated in Young AmeriTowne where they gained a hands-on lesson in free enterprise that prepared them for life-long financial success. Thank you Empower for your continued commitment to today’s young learners!
Market students at work in Young AmeriTowne
Students outside YA with Yellow School Bus
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Run Your Own Business Mini Marketplace
Jack Fleming is the 18-year-old owner of a lawn care business called Yard Boyz. Due to his dedication and vision, the business has steadily grown over the last five years, and in 2018 Jack made $25,000 in profit! Jack’s goals for this summer include staying on top of his administrative work and expanding his business. He is a finalist in the 2019 Spotlight on YouthBiz Stars business competition. Watch Jack pitch his business on Colorado & Company, and learn more about him and his business below. Question: Tell me a little bit about you – name, age, how long you’ve been an entrepreneur? Answer: My name is Jack Fleming and I am a recent high school graduate. I started Yard Boyz 5 years ago. Q: What motivated or inspired you to start a business? A: I was motivated to start Yard Boyz because I wanted to have money of my own. I enjoyed cutting lawns, and I thought it was a simple way to make a little extra money. Q: Please share an overview of your business. A: Yard Boyz is a general landscaping service that specializes in weekly lawn mowing. We also do small- to medium-sized landscaping projects in the Centennial area. Q: Do you have a website or place for people to contact you/buy products?If so, what is it? A: I currently do not have a website. Q: Tell us about some of the challenges you face being a young business owner. A: One of the top challenges about running my business is making sure that I keep all the little details straight with regard to scheduling, payroll, employee scheduling, billing, and equipment. Q: What’s the best part about having your own business? A: My favorite part about having my own business is learning what it truly takes to be an adult and have a job. Some of my friend’s experiences cannot compare to the things I have had to do and the responsibilities I have had to manage. Q: Would you encourage other young people to start a business? Why or why not? A: Of course. I personally believe that almost all students in high school should have businesses if they want one. It teaches them so many valuable skills. Q: What is your involvement with Young Americans Center for Financial Education? A: I applied to their YourthBiz business competition and have been named a finalist for the past two years. Also, when I was younger, I participated in AmeriTowne as an Accountant at the Utility Center. Q: I hear that congratulations are in order—you’re a finalist in this year’s Spotlight on YouthBiz Stars business competition! Tell us about this award and how it could help your business improve. A: This award seeks to help small businesses improve from ages 6-21. I am grateful to be named a finalist, and I plan to use the money awarded to help replace some worn out equipment that I have been using.
AmeriTowne On the Road in New Mexico Smiling Students. She is in front of a cash register with others.
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YouthBiz Stars Applicant Products
Young AmeriTowne Bank customers write checks at the bank
Students Shake Hands in the AmeriTowne College with graduation cap and outfit. Two other students handshake and praise the graduate.
Sharp and Ready: YouthBiz StartUp at Porter Billups Leadership Academy
Finance Minister Paperwork in International Towne Photo
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YouthBiz Workshops focus on the skills young entrepreneurs need to develop their businesses. We offer classes throughout the school year, September through April, on topics such as drafting a business plan, advertising your business, and creating market-ready products to inspire your next business idea. Plus, many workshops are free!
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Young Americans Center for Financial Education welcomes four Daniels Scholar interns to our team this summer! Madison Turner, Sasha Shadrina, Miguel Gonzalez, and Imad Rashed, current college students, have all stepped into roles as Counselors in Young AmeriTowne and Junior Money Matters summer camps. I caught up with three of these exceptional individuals between camps to see how their experiences have been so far. Madison Turner, aka Madi, just finished her freshman year at Texas Christian University. She is working on a communications major there, and knows that she will start her own nonprofit someday. For Madi, this summer has been a “huge learning experience.” Although she has worked with children in the past, seeing them take on new, “adult” roles in Young AmeriTowne demonstrates to her how important financial education is. And, the campers are also fun to watch. “I thought it was a good life lesson when one of my students had to pay a co-pay in the AmeriTowne Medical Center,” said Madi. “He didn’t realize that he would need to put some money aside for emergencies, so this was a good example of why you shouldn’t spend all of your money.” Another accomplished intern, Imad Rashed will begin his sophomore year at Cal Poly this fall where he’s studying business. He was excited about the Young Americans Center opportunity because he thought teaching young people about business would be something different and interesting. Plus, even though he grew up in Denver, he didn’t have an opportunity to do Young AmeriTowne as a kid. In addition to facilitating learning for campers, Imad is excited that he has learned a few lessons himself this summer. “When it seems like nothing is going according to plan, I have to improvise and make sure they have a good experience regardless,” said Imad. He added, “It’s been so great having the opportunity to teach students about the world we live in and to see these lessons really stick with them.” Sasha Shadrina is just as excited about her summer so far. She is a finance major at the University of Denver, and she is also beginning her sophomore year this fall. Passionate about financial education, what she has found most interesting about her experience this summer is infection between her many interests–kids, business, education–that Young Americans Center has provided. Sasha was particularly impacted by her experience at Moorhead Recreation Center two weeks ago where she enjoyed helping kids see a different future for themselves. “It was so meaningful for me to see how much these students learned in just one week,” she said. “Kids who started the week shy ended up running for an election.” The addition of these four interns serves two purposes. Madi, Sasha, Miguel and Imad have all helped our staff deliver quality programs. But even more importantly, these four are serving as such great examples to the students they work with. Thank you to our interns for your time and dedication!
Campers in Running Your Own Business camp enjoyed an extra treat on their final day of camp last Friday: a visit from 106.7 The Bull’s Chelsea Thomas! Running Your Own Business summer camp teaches the basics of business to third and fourth grade students. Campers learn about marketing and pricing, they learn how to create a business budget, they manufacture products, and they develop a business name and slogan. At the end of the week, campers sell their products in a Mini-Marketplace that’s open to family, friends, and special guests like DJ Chelsea. Owning your own business, even if it’s just for a week, teaches a lot. Cadence, Grace, and Zoe teamed up for “Me, Myself, and I Designs”, and because they didn’t know each other before camp began, they had to learn to work as a team. “That was one of the hardest parts,” said Grace. Cadence chimed in, “But when we finally learned how to work together, it worked really well!” Across the room at a business called “MIP,” co-owner Carson attributed their business success to using product labels. Each product had a description and price, which Carson thought helped customers know what they could buy. “I think it was a really good idea,” he said. CHELSEA PURCHASED PRODUCTS FROM SUMMER CAMP BUSINESSES. DJ Chelsea stopped by the Mini-Marketplace to shop and to see the campers in action. She was impressed with their business savvy, particularly their marketing skills which definitely have a real-world application. “You can tell these kids have learned a lot,” said Chelsea. “I ended up buying two friendship bracelets instead of one because they convinced me that it was such a good deal!” iHeart Media is the parent company behind 106.7 The Bull, which joined Young Americans Center for Financial Education as a proud partner in 2018. This partnership aligns with iHeart’s broader goal to “inform, inspire and support neighborhoods across the U.S.” By supporting hands-on financial education programs like Running Your Own Business summer camp and Young AmeriTowne, where students can have a career for a day in the iHeart Media Radio Station, iHeart Media is helping to educate a generation of young people about how to successfully navigate their finances. And in the words of camper Claire, “You can learn about finance in a really fun way!”
Students stand together in front of Town Hall talking together
Students and bus at Young Americans Center
Young AmeriTowne Ballot Box Photo
Yaunie Williams is the owner of YAUNIE’S Scrub Sensation, which she created four years ago when she was just eight years old. Yaunie hand makes all her sugar scrubs, bath scrubs, and gift sets, which make perfect birthday and hostess gifts. For Yaunie, owning her own business is a way to spread joy to her customers and her community! Learn more about Yaunie below, and watch her segment on Colorado & Company . Question: Tell me a little bit about you – name, age, how long you’ve been an entrepreneur? Answer: My name is Yaunie Williams and I am 12 years old. I have been an entrepreneur for 4 years. Q: What motivated or inspired you to start a business? A: My dad was my inspiration for the start of my own business and my mother was my motivation. They both helped me get started. Q: Please share an overview of your business. A: I sell sugar scrubs, bath scrubs, and gift sets. Q: Do you have a website or place for people to contact you/buy products? If so, what is it? A: I don’t have a website, but you can place orders through my Facebook page: https://www.facebook.com/maja.leigh.9 . Q: Tell us about some of the challenges you face being a young business owner. A: Some of the challenges that I face is having the right measurements of everything and creating a product that everyone will love. Q: What’s the best part about having your own business? A: The best part about having my own business is to see people happy with my products and to see people come back to buy my product. I also like spreading joy!!! Q: What is your involvement with Young Americans Bank and YouthBiz? A: I currently have an account at Young Americans Bank and I try to participate in most of the classes that YouthBiz has to offer. Q: Do you think kids should have their own bank account? Why or why not? A: I think that kids should have their own bank account so that they are able to save and have money as adults. I think saving is very important. Q: Has Young Americans Bank helped you learn about money? How? What did you learn? A: Yes, Young Americans Bank has helped me learn about money through the Money Matters classes that they offer. I have learned how to make money, save money and invest back into my business.
Two students stand together at the Young AmeriTowne Bank
YouthBiz College for Kids Campers
University of Denver College Hat on Stand in front of Young AmeriTowne College
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Summer Camp Bank Deposit
AmeriTowne On the Road Photo
KONE ICE CREAM STARTER Making homemade ice cream is SIMPLE and FUN! Don't have an ice cream maker? No worries.
Girl puts cash in Young AmeriTowne donation bin
YouthBiz Startup Prototype made out of cardboard
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Many students in International Towne exchange checks
Students Displaying Technology by holding phone cases and video game remotes
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Lawn Mowing Photo
DSST student Cole Pitches a Business
Colorado Public Radio T-Shirts on Table
Lansing Elementary students in AmeriTowne
Arrowhead Teachers at the 2019 Send a School Breakfast
Colorado Container Corporation Sign: students inside the store making briefcases
Evan Hoing on set with Denise Plante
What’s better than a trip to Young AmeriTowne? A trip that includes a special visit from the top elected official in Colorado: Governor Jared Polis! Fifth grade students from Cherry Drive Elementary were thrilled to host Governor Polis in Young AmeriTowne on April 23 to celebrate Financial Literacy Month. Governor Polis joined Department of Regulatory Agencies (or DORA) Executive Director Patty Salazar and Young Americans Center for Financial Education President and CEO Rich Martinez in welcoming the students to Towne. GOVERNOR JARED POLIS SWEARS IN THE AMERITOWNE MAYOR, JUDGE, AND POLICE FORCE. Prior to the Towne’s Opening Ceremonies, Ms. Salazar and Governor Polis challenged the students to practice financial responsibility. During their day to run Young AmeriTowne, students receive their own paycheck in so they can budget their money and record purchases in their checkbook register. “These are the kinds of lessons you’ll need to know someday,” said Governor Polis. The teachers and principal from Cherry Drive Elementary, which has participated in AmeriTowne for more than a decade, whole-heartedly agreed. “This program brings standards to life,” remarked Principal Tina Hepp. Nodding, Teacher Kim Carreon agreed. “The kids learn a ton, and they love it,” she said. Teacher Nicole Lecumberry added, “What I appreciate is the level of engagement from the students. Whenever I say that we’re working on AmeriTowne, the kids can’t wait to get out their workbooks.” DORA EXECUTIVE DIRECTOR PATTY SALAZAR ASKS STUDENTS ABOUT THEIR TOWNE LAWS. Across Towne at the Snack Shop, 10-year-old Mckenzie sipped lemonade with a huge smile on her face. “I feel happy because we have an opportunity to come here and not just sit at school. Plus, we got to meet someone that not many people get to meet,” she said, referring to Governor Polis.
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Presented by Honda Schomp Parts & Service Shop
On Friday, April 5, the student leaders of McAuliffe International completed a whole day of service as the culminating activity of Spark Change, a new program of Young Americans Center for Financial Education teaching philanthropy through service learning. This outstanding group of 6th-8th graders has worked together since the fall researching local nonprofits and leading their school in collecting change to donate to these nonprofits. The 50 student leaders who participated in the day of service made a big impact on their community.
Fidelity Investments has funded the Send-a-School initiative of Young Americans Center since 2016. Send-a-School ensures that deserving students and schools receive scholarships to attend the Young AmeriTowne or International Towne programs, and 8,271 students from 102 schools benefitted from this project last year.
Campers at RYOB Summer Camp
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The Denver Post Sign with Students Walking Below. Young Americans Center for Financial Education first partnered with The Denver Postnearly 20 years ago to create a life-like Newspaper shop. Volunteers from The Denver Posteven renovated the shop by painting and creating artwork to hang on the walls. Today, in addition to financial support from Denver Post Educational Services via Colorado NIE , the Post continues to provide shop enhancements like aprons, lanyards, clipboards, and pencils for 5th-grade Newspaper employees. Thanks to The Denver Post, students feel like they are working for a real newspaper.
YouthBiz Startup Mini-Camps Students stand together after pitching their businesses with judges. Thinking about spring break brings to mind a relaxing vacation. But for 48 entrepreneurs, this year’s spring break was spent creating the perfect business idea as part of YouthBiz StartUp Mini-Camps, a partnership between Young Americans Center for Financial Education and Denver Public Libraries.
Have you ever heard of amigurumi? These adorable, crocheted creatures are a big hit on Etsy, and 15-year-old Josephine “Joey” Stockton is an amigurumi expert. She’s owned her own business, Nerdy Crochet, for seven months now, and her signature items relate to science, technology, engineering and math—think multi-colored crocheted test tubes or a blood cell biology kit! Joey is hoping to gain experience that will make her business even better by applying to the Spotlight on YouthBiz Stars business competition this spring.
Safeway Foundation Opens a Miniature Market for Kids: There’s a brand-new shop in Young AmeriTowne in Lakewood: the Safeway Market! This mini-Safeway provides a real-world lesson in what it takes to operate a grocery store to fifth grade students from across the metro area.
This is the time of the year when the Spark Change program has the most impact on the community. This program provides a hands-on experience in philanthropy as students collect change to donate to nonprofits of their choice. Starting in the fall, student leaders spend time researching and making some tough decisions. They need to decide who they want to help, how they want to help, how much do they want to give, and which organizations should receive donations. Some students decide to complete smaller service projects like hosting a food drive while others like to get their hands dirty and pick up trash in the park or put together a bee hive. Some students choose to collect change to purchase products for a service project or to grant an organization money. One of the hardest decisions of all is how to spend the collected money. Some students choose to give small amounts to multiple organizations while others choose to give huge amounts to a couple organizations.
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Young AmeriTowne On the Road served 226 students last week in our inaugural visit to Colorado Springs! The program was held at the Discover Goodwill building for a week beginning on March 6.
Young Americans Center for Financial Education believes that entrepreneurship is a key to a successful future. Through the study and practice of entrepreneurship, young people learn skills that will help them succeed in school and in life as they learn how to solve problems and create opportunities. A valuable partner in this work is Amica Companies Foundation which has supported the YouthBiz program of Young Americans Center with both financial support and volunteer time since 2016. One of the goals of Amica Companies Foundation is to help individuals, families and communities become economically independent and strong, and by supporting YouthBiz, the Foundation does just that. In 2018, 1,434 young people participated in YouthBiz programs that allowed them to explore entrepreneurship in a hands-on way. For example, after explaining her business idea to a panel of judges, a YouthBiz StartUp participant writes, “”I liked presenting my ideas. YouthBiz will help me use my mind to pursue my ideas.” A second student writes, “I learned to be confident and be brave.” By exposing young people to the possibility of entrepreneurship, Amica Companies Foundation is empowering a generation of youth to think creatively, to solve problems, and to advocate for their ideas. Thank you, Amica Companies Foundation, for your continued support of this learning!
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Lauryn is just 12 years old, and she’s already been in business for three years. “Or maybe four? I can’t even remember!” giggles Lauryn from behind a collection of tiny and adorable potted plants and a sign that reads, “Lauryn’s Chicks.” A few years ago, Lauryn’s mother was gifted a collection of 35 hens and chicks which she planted in their garden. Lauryn now sells the descendants of that gift at Marketplaces like the one held at Rocky Mountain Hospital for Children on February 13.
Youth Advisory Board Members James Dahlen and Kiki Rosenthal have been hard at work this month on a unique project: creating a podcast! In conjunction with the Colorado Department of Education ‘s MoneyWiser program, James and Kiki are working with Personal Financial Literacy Content Specialist Alyssa Wooten and her team to explore the world of cryptocurrency. Through the podcast, James and Kiki plan to answer basic questions about what cryptocurrency is, how it’s used, and what the future could be like if current trends continue. They also interviewed cryptocurrency expert Dusty Wunderlich . The podcast is scheduled to debut in late March, just ahead of Financial Literacy Month in April, and will be available on both Apple and Android platforms. We can’t wait to hear the results!
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National Entrepreneurship week this year takes place from Saturday, February 16thto Saturday, February 23rd. As a way to celebrate entrepreneurship and our youth entrepreneurs, we have put them up to a couple of tasks each day on our Facebook and Twitter pages along with some entrepreneurial tips. Wednesday’s task was for our youth entrepreneurs to send us their business profile to be posted on a blog and we received one from Josephine “Joey” Stockton, owner of Nerdy Crochet, LLC. This business will impress you!
Chris Instructs Young AmeriTowne on the Road
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National Entrepreneurship Week Banner: February 16-21, 2019
Youth entrepreneurs, their parents, and their biggest fans gathered at the Colorado State Capitol on Monday for a Senate committee vote on bill 19-103, Legalizing Minor’s Businesses. Co-sponsored by Senators Angela Williams (D) and Jack Tate (R), the bill would permit youth to operate a business without a permit as long as it runs for fewer than 84 days a year, is operated by someone under the age of 18, and is located away from commercial establishments.
Entrepreneur and inventor Gabe Nagel has been tinkering with different products throughout his four years in business, and he’s finally landed on success. His top product offerings include moisturizing massage candles and super bars—sunscreen, moisturizer, insect repellent and deodorant all in one. His success over the past year has encouraged Gabe to give back, and he plans to donate a portion of his business sales this spring to support education for Native American students.
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Students working in the Investment Shop
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Students Listen to Instructions from Chris in AmeriTowne On the Road
Passport Getting Stamped in International Towne
YouthBiz is excited to announce that we’re holding a Valentine’s Day Trunk Show next month! You’ll find great gifts from six different youth business owners, including a few former Spotlight on YouthBiz Stars winners and finalists. Sweet Bee Sisters, a 2017 winner, will sell their all natural, beeswax-based skin-care products. At Gabe’s Bazaar, owned by 2018 finalist Gabe Nagel, you’ll find moisturizing massage candles, Super Bars (an all in one moisturizer, sunscreen, bug replant, and deodorant), stamped bracelets, and more. Josephine Stockton, owner of Nerdy Crochet, will sell her crochet dolls and science sets. You’ll find gifts for every type of Valentine, young and old!
Interview Workshop lesson in the YouthBiz Lab
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Leila Hollis is just 12, but she’s already started three businesses! Her latest enterprise is “Leila’s Essential Care” which sells sugar scrubs and foot balms. This business combines Leila’s love of creating things and her desire to earn extra spending money. Plus, Leila won top honors at YouthBiz Camp at Young Americans Center for Financial Education last summer!
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Guest Service Tips: Friendly say hello with a smile, ask
China, Japan, Singapore, Australia, and India flags shown from International Towne
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A Young AmeriTowne KeyBank teller holds a cash stack in his hands
Looking for some last minute holiday gifts? Stop by The District Shops located in Cherry Creek Shopping Center, 2500 E. 1stAvenue #A100, Denver, CO 80206. It will be open on Christmas Eve until 5pm. In particular, we encourage you to visit the YouthBiz space near the west entrance and see some of our new vendors!
The City of Lakewood Welcomes You to Young AmeriTowne
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Children's Hospital Business Cards
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Denise and Madeleine at Colorado and Company
Students Donating in Station at YAT
Real Life Lessons in Bank Credit
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Participants in IT Smile Together
Finalists for Capital One Youth Business Competition
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YouthBiz Marketplace
Do you know the difference between a debit and a credit card? A surprising number of young adults don’t. According to a 2016 study done by LendEdu , 43% of college students couldn’t explain at least one difference between a debit and credit card. Although the survey was small, only 455 students, that’s still a high number. Thanks to Worldpay , formerly Vantiv, students who participate in Young AmeriTowne or International Towne gain hands-on experience about the difference between debit and credit cards. International Towne participants receive a credit card, which they can use to pay for goods and services in Towne. Using credit is particularly convenient because students don’t have to exchange money when they shop in a foreign country. In Young AmeriTowne, 5th graders use a debit card to make purchases, and the funds are automatically withdrawn from their checking account. When I asked 10-year-old Rehoboth, an Accountant working in the AmeriTowne Snack Shop, about the difference between a debit and credit card, he responded right away. “A credit card uses money from the bank, and you have to pay it back later,” he said. “A debit card takes money from your checking account.” Rehoboth added that four shoppers had already used their Worldpay debit card to purchase snacks. Young Americans Center for Financial Education is grateful for partners like Worldpay that prepare young people to be financially responsible adults someday. Maybe Rehoboth can teach those college students a thing or two!
OTR Shopping Center
Bank Deposit in AT
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Liam’s business The Lucky Penny creates custom items out of pennies that commemorate special events. His collection of pennies dates back to 1909, so he’s able to make keychains, bracelets and necklaces for just about any request. In working with his mentor Scott Wylie this year, Liam hopes to add online sales to his website and to develop some strong business relationships which will further grow his business. He’s also looking to add a few new products to his line.
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Denise with Matthew, Sophia, and Mila Art Gami
Market Prices on White Board
UPS Toy Truck
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Denver Startup Week was such a success! In addition to the YouthBiz Marketplace & Expo held on the week of September 24th, YouthBiz had an opportunity to lead a panel of youth and adult entrepreneurs to speak on their experience as entrepreneurs through the Makers track. The name of the session was #MakeItHappen: Tips for starting a business at any age, and it featured both youth (18 and under) and adult (19 and over) entrepreneurs.
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SCL Health Lutheran Image
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Lucky Penny Product Shot. Liam Lennon Headshot shows smiling in nature background. Liam’s business The Lucky Penny creates custom items out of pennies that commemorate special events.
Rudspice on Bagel. Emily Rudnick started small—creating the perfect blend of spices in the kitchen with her father to flavor her family’s meals. Two years later, this project has grown into a profitable business that has sold more than 1,000 bottles of Rudspice.
Brenden Coney is an entrepreneur who solved a big problem—how can a middle schooler make money? Too young to hold a job, then 13-year-old Brenden asked his father to teach him how to do basic woodworking. Over the next five years, this seed of an idea grew into an impressive business. Elevation Creations , which is on track to gross nearly $180,000 this year, sells cutting boards and other high-quality and unique wood crafts and gifts. The craftsmanship of Brenden’s work is truly extraordinary.
Many students are shown smiling and working in the Fun Services YAT shop. Fun Services, a local Colorado company, plays a big role in providing this real-life experience for thousands of young people every year.
An Xcel Energy and Landis Gyr Sign in Young AmeriTowne is shown
Luke Aden Photography Business is interviewed on Colorado and Company
Several students are shown in Young AmeriTowne with a check from State Farm. State Farm Presentation Permitted Check in YAT
Glow and Gather, a youth business, has a table at Denver Startup Week
The winners and judges of the 2018 Park Burger Competition stand around a huge check of $500
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Bahman Inside Enterprise talks with a large gesture
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Girl Donating in YAT Donation Station
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Delaney and Karen on Colorado and Company
Margaret Kelly and YACFE building
YAB Piggy Bank Pile
BYOB Finalists stand together and smile
CCCS reception in YAT
Young AmeriTowne town square displayed
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Graphic Artist in Young AmeriTowne working on computer
Denver Startup Week Gabriel Nagel with Booth
All applicants of the Spotlight on YouthBiz Stars stand together
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BYOB Finalists stand together
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Sweet Bee with Denise on Colorado and Company
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Investment Accountant in YAT
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Campers at RYOB Summer Camp
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Young Americans Bank customer learns how to use an ATM
Sweet Bee Sisters win Spotlight on YouthBIz Stars
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Andrew at Spotlight on YouthBiz Stars in 2013.
Khadija Grace and Alayia with Jacquie
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Patty Salazar and Rich Martinez with AmeriTowne students from Black Forest Elementary.
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AmeriTowne Newspaper Team
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YouthBiz Marketplace April 28, 2018
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Lael Larson with Denise Plante on Colorado and Company
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YouthBiz StartUp Winners
Creating the OTR newspaper
AmeriTowne volunteers from Fidelity
Spark Change participants from Peakview Elementary
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Owen and Liam with Denise
Author MJ Logan
Mayor Gates, Mayor Aiden, Rich
Colorado Garden & Home Show
Investment Company Advisor
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Young Americans Bank staff
AmeriTowne Mayor and Judge
Junior Money Matters Camper
International Towne Passport
Youth Advisory Board 2017-18
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Mila and Denise Plante
AmeriTowne On the Road set up at Pueblo Community College
Youth Advisory Board at The Denver Post
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Lorriane Vega and Debbie Trujillo in OTR
Kids cheer at Young Americans Bank in Belmar
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King Soopers Zero Hunger | Zero Waste Plan
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International Towne students gain hands-on experience using a credit card.
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Andwele Gilbert poses with Colorado and Company host Tawnya Rush
A Finance Minister in the UK determines whether a country has a positive or negative balance of payments.
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A student uses a debit card in AmeriTowne
Mayor Adam Paul receives an Accounting lesson in Young AmeriTowne Belmar
Sienna Lee meets YouthBiz Star Lily Blessing
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Hagan Archer at Marketplace
Author MJ Logan and Denise Plante on the set of Colorado & Company
Students donate at Young AmeriTowne
Customer shops at YouthBiz Marketplace
Happy Bank Customer at AmeriTowne Bank
YouthBiz panelists at Women's Entrepreneurship Day
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SmellX Colorado Uplift Shark Tank winners
Students Busy at YouthBiz
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Shae Maiorana talks with Colorado & Company host Denise Plante
A Young AmeriTowne Market employee helps a customer
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An AmeriTowne Warehouse employee stocks a bin for a shop.
Lutheran Medical Center at AmeriTowne Belmar
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Brenden Coney shows off his products to Denise Plants and viewers of Colorado and Company
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Doing Your Part
Spotlight on Board Member Michael Gersack
Board Member Spotlight – Nancy Wigton
Sponsor Spotlight: Alameda Gateway Creates Caring Community at Young AmeriTowne Belmar
Children’s Hospital Colorado offers career exploration in Young AmeriTowne
Tales from Towne: FREE Second Saturday Classes
Sponsor Spotlight: Alpine Bank Pays for A’s and Much More!
Meet the 2016 YouthBiz Stars
2016 YouthBiz Star: Kayla Wolins
2016 YouthBiz Star: Hannah Isenhart
Tales from Towne: What’s new for the new school year!
State Farm Supports Deserving Students
Beat from the Branch: Savings Goals
FARE Youth Discovery
Rocky Mountain Hospital for Children Gift Shop: A YouthBiz Mini-Marketplace
Broadcasting Live in Young AmeriTowne Thanks to Colorado Public Radio
Beat from the Branch – PassBook Pizza Party August 13
YouthBiz Stars – Where are they Now??
Ribbon Cutting
Pigs Around Town
Concept of the Month: A Spending Plan
Concept of the Month: Are You Credit Ready?
AmeriTowne On the Road in Grand Junction
What’s New in Young AmeriTowne
Sponsor Spotlight: MarkWest Energy Partners
World Denver Professional Exchange Program visits Young Americans
Beat from the Branch: Pigs Around Towne Scavenger Hunt 2015
Tales from Towne: Getting Ready for a New Year!
Concept of the Month: Want to Be A Millionaire?
CYE Finalists 2015
Sponsor Spotlight: Xcel Energy
Youth Biz Summer Forum
Pigs Around Town Returns!
Summing Up Summer Camps 2015
Sponsor Spotlight: University of Denver
Tales from Towne - Belmar Summer Camp
Concept of the Month: Investing
Be Your Own Boss Summer Camp
Tales from Towne- Junior Money Matters Summer Camp
Summer Camp in International Towne
Golfing for a Good Cause – When Adults Play, Kids Win!
2014 CYE Winners: Where are they Now?
Girls Can Summer Camp
Sponsor Spotlight: AAA Colorado Powers the Passports in International Towne
How to Run Your Own Business - RYOB Summer Camp
Concept of the Month: Are You An Entrepreneur?
Beat from the Branch: What's New??
Summer Camp Kick-off – Young AmeriTowne2!
Philanthropy at Young Americans Center
On the Road Diaries Episode 3: OTR in Centennial
Young AmeriTowne: Then and Now
Shark Tank at Excel Academy
Tales from Towne: This Year’s Most Popular Products
Concept of the Month: Pay Yourself First
Summertime FUNancial Literacy
Sponsor Spotlight: State Farm
On the Road Diaries: Episode 2
Tales from Towne: Interviews and Elections
Spring Shopping Starts!
Concept of the Month: Debit vs. Credit
Crazy Numbers of Classes
Sponsor Spotlight: FirstBank
Sponsor Spotlight: KeyBank
The American Dream: As 5th and 6th Graders See It
Success Strategies for Young Entreprneurs
Getting Started on Fashion Design Early
April Financial Literacy Month Activities
Beat from the Branch: Spring Break Scavenger Hunt
Getting the Most from Speed Mentoring
Concept of the Month: What's the Plan?
Tales from Towne: College in a Day
Concept of the Month: Credit Smarts
On the Road Diaries: Episode 1
Beat from the Branch: Get a Tour
A Visit from Iraqi Entrepreneurs
Tales from Towne: International Towne Dilemma Summit
New CYE Application - Now Open
Spotlight on YouthBiz Stars
Concept of the Month: Follow the Money Brick Road
Creating Commercials
Spotlight on YouthBiz Stars
Beat From the Branch: Meet the Staff
Spotlight on YouthBiz Stars Sponsors
Sizzlin' Summer Camps 2015
Sponsor Spotlight: Comcast
Reflections on the Year
Marketplace Magic
Tales from Towne: 'Tis the Season to be Charitable
Sara Says: Kids Can Build Credit, Too
Concept of the Month: Pay Yourself First
Top 10 Reasons Why You Should be a Young Entrepreneur at Young Americans
Marketplace Sneak Peek
Taking a Painting Break
Egypt Photographer
Prepare to Shop 'Til You Drop
Sara Says: Loans for the Little Ones Provide Big Life Lessons
Concept of the Month: Savvy Shopping
Staff Stylin' Shenanigans
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On the Road Has Launched!
Sponsor Spotlight: CoBank
Young Americans Center for Financial Education has partnered with Girl Scouts of Colorado to offer badge workshops for GSUSA's financial literacy badges.
Meet the Youth Advisory Board
5 Tips to Bring Financial Education to Kids
Sara Says: Save for the Holidays Now
Tales from Towne: Welcome Back International Towne
Our 2014 CYE Winners
Concept of the Month: Are You Credit Ready?
Second Saturdays Are Back
Tales from Towne: A Teaching Partnership
A Twist on the Celebration for Young Entrepreneurs
Concept of the Month: A Spending Plan
Tales from Towne: Credit or Debit?
Sara Says: Your Child Should Keep a Spending Journal
The Celebration for Young Entrepreneurs Is Almost Here
Young AmeriTowne On the Road
A Summer Camper's Story
Tales from Towne: Purchasing Online
Sara Says: Budget for School Supplies
Leadership Luncheon: The Launch
A Summer Spent at Young Americans
Spotlight on Sponsorship
Tales from Towne: Summer Camp Mini Marketplace
Spotlight on YouthBiz Stars Business Competition
Learning to Pitch: The Business Expo
Tales from Towne: Summer Camp Guest Speakers
Sara Says: Spend, Save, and Share
Concept of the Month: Are You An Entrepreneur?
Pigs Around Town
Looking Back: A Young AmeriTowne Experience
Behind the Scenes with the CYE Judges
Tales from Towne: Planting the Seed
Meet the 2014-2015 Youth Board Co-Chairs
Sara Says: Values Matter - Especially Around Money
Tales from Towne: Thinking Outside the Box
Concept of the Month: Investing
Giving Our Treasure
Tales from Towne: Who’s the Boss?
Sara Says: Set SMART Goals
Doing Your Part
Acronym (and Business) Help
Turning the State Red
Tales From Towne: Donation Station
Spring Selling
Exploring Our Monetary System
Making $ense of Money
Tales From Town: Newspaper At a Glance
Launching the Builders Lab
Concept of the Month: Card Smarts
Tales from Towne: Medical Center at a Glance - From Ambulance to Co-Payment
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Sara Says: Put These Books on Your Summer Reading List
Strategies for Success
Tales From Towne: Advertising 101
What's the Plan?
Calling All Stellar Teens
April: Classes and Celebrations
Tales from Towne: You’ve Got Mail!
Sara Says: You Can Teach ALL Kids Great Money Habits (Even If Yours Aren’t)
Entrepreneur Success: Sweet Bee Sisters
Tinker Tailor
We Want You! Join Our Team
Get Your Girl Scout Cookies!
Tales from Towne: The International Towne Experience
Concept of the Month: Credit Smarts
Sara Says: Encourage Your Young Entrepreneur
A Co-Chair Perspective
Tales from Towne: Fun Laws!
An Alumni Perspective
Entrepreneur Success: Peetz Perks
Tales from Towne: Show me the money!
From Snow to Summer: Check Out Our Camps
Bull or Bear?
Sara Says: It’s Never Too Early to Start an Allowance
Tales from Towne: Introduction
Our Branch is Turning One!
Need Help? Small Business Resources (Part 3)
New Year's Resolution - Start Saving
gSchool Partnership Kicks Off Again
Pitches for HOPE
Rural Entrepreneurs Are a Great Success Too
Balancing with the Bank
Bring a Buddy, Get $5
You Sold How Much!?
Throwback Thursday: 20 Years of Young Entrepreneurs Marketplace
Supporters
Ask Amy: What Are the Best Ages to Introduce Different Money Concepts?
The Builders Lab is Open!
Celebrating 20!
Be a Savvy Holiday Shopper
10 Ideas for Starting a Business Over the Thanksgiving Break
Staff Attire Get a Little Crazy
Entrepreneur Success: Fragile Glory Impressions
The Youth Board Gets Creative
Entrepreneur Success: ZARL, Inc.
Save? Yes You Can! You Need a Spending Plan.
Ask Amy: What Are the Top 3 Frequently Asked Questions from Parents About Kids and Money?
Entrepreneur Success: Critters and Creations
A Unique Bank Transaction
The Holiday Marketplace is Open for Applications
Young AmeriTowne – Upgraded!
Denver Startup Week + Carboard = Virtual Gloves (What?)
Entrepreneur Success: Alkaline Clothing Co.
Ask Amy: How Do I Introduce the Concept of Saving Early?
Announcing the 2013 CYE Winners
Helping Teachers Everywhere