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TORONTO – October 14, 2020 – ( Newswire.com )

​​​Kids are like sponges when it comes to new concepts, making this the perfect time to teach financial literacy. Research shows that the younger you teach children about money, the more independent and responsible they will be as adults. This is why Treasure exists. Treasure, a mobile money management app has been built to teach kids the value of money, fun ways to earn and save their allowance and money received through gifts.

“Financial literacy is a key life skill, but schools don’t teach finance-related courses properly until middle school or high school, and I think that is not only crazy but also way too late to form good habits,” said Matt O’Leary, CEO of Treasure. “Kids need money skills as soon as they can count. My own kids would ask for things in the store without realizing the cost or need to take money to school as early as kindergarten, and that’s when I realized that kids need money skills as soon as they can count.” 

Treasure is a fun-first education tool that teaches positive financial habits around saving and spending, but unlike other tools, Treasure uses real money with real spending and saving options using the bank of Mom and Dad through allowance and task-driven incentives. 

“We all know someone who got in trouble when they got their first credit card. This is because a credit card isn’t money. It’s just an abstract concept,” says O’Leary. “Our research has shown that the reason it is important to start teaching kids about money as early as possible is based on the fact that many financial decisions are based on abstract logic

If Demeter has anything to say about it, the coming years’ harvests will be fruitful for both small farmers and the consumers who value the way they operate. But in this instance, it’s not Demeter, the Greek goddess of harvest behind the push, but a small team of Forbes 30 Under 30 list members who gathered this weekend using the same name to take the first steps towards creating a new kind of investment vehicle powered by blockchain.

While retail and institutional investors alike already invest billions of dollars annually in agribusiness funds, largely consisting of the companies farms rely on, the cost of complying with fund requirements excludes most farms. While some of these funds allow investors to back smaller market cap companies, many independent micro-farms must resort to using state lenders and expensive farm banks or agriculture lenders. 

By issuing digital assets backed by actual harvests, using an existing blockchain like ethereum or EOS as the transaction layer, the nascent team behind Demeter believes they can lower the cost to provide high quality investment opportunities to micro-farms that exist on only a few acres of land. By allowing the loans to be easily priced on the open market, they believe they can do so at a much better rate.

But it’s not just the small farmers who lose out by their inability to access low-cost capital, says Demeter co-creator Stefan Seltz-Axmacher, a member of the 2018 30 Under 30 list. Without a publicly traded investment vehicle for everyday retail investors to back ethical farms, the only option consumers have for expressing their financial interest in supporting these farms is by buying the actual food. By using blockchain, the technology behind bitcoin that lets individuals directly transact without a middleman, Seltz-Axmacher and the rest of Demeter believe they can