January 2016 Newsletter

SavingsSpecial
This is the New Year, and
a time to think about how
much you can save and
deposit into your Penny Savers account. It’s
a really good idea to make saving a habit
because it will help you as you get older –
for when you want to buy something
special, when you’re ready for college or
want to buy your first car, or you need spending money
when taking a nice vacation.
Plan to save at least half of all the money you receive
and you’ll be surprised how fast your savings will add
up. Plus, when you do one of the following, you’ll
receive a Credit Union Advantage piggy bank.*
• Make a $25 deposit into your Penny Savers
account, or
• Open a new Youth Add-On CD with an initial
deposit of $25 or more.
*Offer for Penny Savers members only, while supplies last.
Plan To Save During Our
EASTER EGG
SAVING PROMOTION
Everyone Is a Winner!
From March 1st – 25th, every time you come to the
credit union office to make a deposit for $5 or more,
you’ll receive a plastic egg. Inside that egg is a piece of
paper describing what your prize is. Everyone is a
winner and you could receive:
• McDonald’s gift certificate
• CU Advantage drawstring backpack
• Crafts
• Flower highlighter
• Pick from the toy chest
• And more
Plus, at each CU Advantage office there will be one
$25 VISA gift card winner hidden inside an egg.
Happy Birthday!
Get a Fist Full of Coin!
Stop into the credit union office during the week of your
birthday and receive your birthday gift! Reach into our coin
jar with one hand and grab a fist full of coin…
and that’s the amount that we’ll deposit into
your Penny Savers account for you.
Only our Penny Savers members can reach into the
jar (no parents or siblings please). Children too
young to grab coins may have $5.00 deposited into
their account when they visit the credit union office.
Winners’ Corner
Congratulations to Nikolas, the winner of our “Name
Our Mascot” contest. Nikolas won a $25 deposit to his
CU Advantage Penny Savers account.
The winners of the Penny Savers Club 8’ holiday stockings,
and Teen Club $100 VISA gift cards will be announced in the
April 2016 newsletter, and the July 2016 Pennywise News.
Pennywise News to Feature Penny Savers Photos!
We hope you like the new format for your Pennywise News. For future
issues, we'd like to feature our Penny Savers members in the three photos
in the header. All Penny Savers can send photos, and we'll publish them in
the order that they are received.
Here's what you need to do:
1. Have your parent take a picture of you with a
digital camera or smartphone.
2. Email your photo to info@cuadvantage.coop.
Printed photos can also be mailed.
3. Be sure to name the file with your first and
last name. However, we will only publish your first name.
4. Have your parent complete and sign this authorization form and mail it
to: Jan Zuchowicz, Credit Union Advantage, 22250 Providence Drive,
Southfield, MI 48075.
Penny Savers Photo Authorization Form
CU Advantage is given permission to publish my child's photo in the
Pennywise newsletter, or other Penny Savers promotional material.
Penny Savers Name: ____________________________________ Age: _____
Parent's Name:__________________________________________________
Email Address: _______________________ Phone: (____)_______________
Parent's Signature X______________________________ Date: ___________
Wants vs Needs
Wants: Something you wish or desire.
Needs: Things that are required for comfort and life.
When you have money, do you immediately start thinking about ways that you can spend it?
There are two things that you can do with your money that can help you.
Save: Make sure that every time that you have money that you save at least half.
Put that money in your Penny Savers account.
SNOWMEN FENCE
Wants vs Needs: For the money you want to spend, figure out your “wants” and “needs.”
Complete this crossword puzzle and you’ll see the difference between wants and needs and
maybe it will help you decide how to save and spend your money.
CROSSWORD PUZZLE
2
1
3
4
5
6
7
8
9
11
What do YOU think are
wants and needs? Complete
the list below from words
in the crossword puzzle
then talk about it with
your parents.
Wants
10
Across:
3. What I can’t talk on in school
4. Something you dip in ketchup
7. A way to listen to music
8. They help my toes stay warn and dry
10. It’s what a furnace gives out
11. A way to buy music
Down:
1. They keep my hands warms
2. What’s fun to watch
4. We sit down for it three times a day
5. What I have to wear
6. It’s good for your bones
9. It’s bad for your teeth
What you’ll need:
• 2 paint stir sticks
• 6 wide craft sticks (about ¾”
wide x 6” long)
• White craft paint
• Colored markers for snowmen faces
• Yarn, felt, buttons, pom poms, etc. for
making outfits
• Tacky glue
• Hot glue gun (have an adult help you with
this part)
• Hot glue sticks
• Ruler & scissors
• String
How to make it:
• Paint the stir sticks &
craft sticks white. Let dry.
Do 2 coats if needed.
• Make the snowmen faces with the colored markers.
• Cut out hats and scarves and glue on each snowman
(make different styles). Use your imagination.
• Glue on buttons, pom poms, or anything you like for
their buttons.
• Glue the craft sticks to the back of the snowmen using
the hot glue gun. Ask an adult for help with this part.
Use enough glue to make it strong.
• Tie string to each end of the top craft stick and
hang it on your wall.
Needs
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Southfield Office
Novi Office
Providence Medical Building
22250 Providence Drive
Southfield, MI 48075
248-996-6070
Providence Park Medical
Office Building
26850 Providence Parkway,
Suite 110
Novi, MI 48374
248-662-0383
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Website
cuadvantage.coop
ANSWERS TO WANTS & NEEDS Across: 3 = cellphone, 4 = frenchfries, 7 = iPod, 8 = boots, 10 = heat,
11 = iTunes. Down: 1 = gloves, 2 = movies, 4 = food, 5 = clothes, 6 = milk, 9 = candy
Federally Insured by NCUA