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A HERO is someone who does something special to HELP OTHERS. Every hero STARTS as a CHILD, and every Child can CHOOSE to become a Hero... And I Know that YOU Can Be a HERO TOO!

Good morning kids and

parents!  It’s a THURSDAY...the 21st

day of October.   And, today is National

Get Smart About Credit Day.  It’s a national campaign where volunteer bankers help counsel young people on responsible credit habits.  We talked a few days ago about SAVING money.  Well learning about credit and how to handle it responsibly is certainly an important part of money management.  Now, you may be too young to have a line of credit with a bank, but you are CERTAINLY not too young to learn about how credit works and how to be responsible with it.  So, happy National Get Smart About Credit Day.

And along those lines of thinking, coming up is a story about a moment of honesty where money is concerned.  I hope you like it.  It’s called simply, “The Hundred Dollar Bill,” and it starts right now!

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“Oh my goodness, look! That lady just dropped a hundred dollar bill, and she doesn’t even know it!” Dana and her two friends were at the convenience store when they saw the whole thing. One of Dana’s friends picked it up, and the other friend said, “Now we can buy anything we want!”

“No,” said Dana, “it’s not right.”

“What’s wrong with you,” said one of the other girls?

“Do you remember when Mrs. McBride talked to us about seeing ourselves in the future, all grown up and everything?” Mrs. McBride was the school principal, and she was always talking about personal vision. “What kind of person do you want to be when you’re an adult? Do you want to be a person who is respected, who has integrity, who is responsible?” She would say that, and a lot more, too. Dana told her friends, “When I’m 30, I don’t want to look back and realize that I was a thief.”

Well, the other girls didn’t really have a response for that—not anything that sounded intelligent, anyway. “Besides,” Dana said, “the lady probably worked hard for that money, and I know I would be hurt if someone took money from me, even if I thought I just lost it.

So, the other two girls now had a choice. They could keep the money, they could drop it back on the floor where they found it, OR they...