PERSONAL FINANCIAL LITERACY, Third Edition, covers the most current and relevant financial topics that impact today’s students, including budgeting, identity theft, saving, investing, risk management, and careful use of credit. This text teaches students how to plan and manage their personal finances; how to live a financially successful life; and what their financial responsibilities are as citizens. It is aligned with the Jump$tart Coalition's National Standards for Personal Financial Literacy. The personal focus of this course makes it relevant and meaningful to those just starting down the path to personal financial independence.
UNIT I: MONEY AND INCOME.
1. How Your Choices Affect Income.
2. Income, Benefits, and Taxes.
3. Your Purchasing Power.
UNIT II: DECISION MAKING AND PLANNING.
4. Financial Decisions and Planning.
5. The Banking System.
6. Personal Risk Management.
UNIT III: USING CREDIT WISELY.
7. Buying Decisions.
8. Preserving Your Credit.
9. Credit Problems and Laws.
UNIT IV: SAVING AND INVESTING.
10. Basics of Saving and Investing.
11. Saving and Investing Options.
12. Buying and Selling Investments.
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Joan Ryan
Joan Ryan has taught personal finance for more than 20 years. While teaching at Willamette High School in Eugene, Oregon, she developed the original personal finance course materials for publication. Dr. Ryan currently is a faculty member in the business department at Clackamas Community College, Portland, OR. She also teaches accounting at Portland State University and is a Certified Managerial Accountant.
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Christie Ryan
Christie Ryan, B.A., M.A., LMHC. As a licensed mental health counselor, she works with troubled and disadvantaged youth and their families, teaching budgeting and money management skills. She has also taught student success skills and psychology courses at Highline Community College and Tacoma Community College. She holds an Educational Staff Associate certificate in school counseling and has also worked as a case manager for Southwest Washington Aging and Disability Services.
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Content is now divided into 4 units, ending with a UNIT PROJECT that provides enhanced learning opportunities. Worksheets are provided in the Student Workbook or in MindTap.
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An ESSENTIAL QUESTION in each lesson opener frames the main idea that students will explore in the lesson. An answer appears on the lesson Assessment page.
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DO THE MATH feature strengthens students’ math skills with problems tied to the chapter content.
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DO THIS, NOT THAT feature is a checklist of things to do or not do, around a topic related to the chapter content.
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LOOKING AHEAD feature highlights scenarios that students may encounter in the years ahead, and engages them with critical-thinking questions.
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Content is now divided into 4 units, ending with a UNIT PROJECT that provides enhanced learning opportunities. Worksheets are provided in the Student Workbook or in MindTap.
-
An ESSENTIAL QUESTION in each lesson opener frames the main idea that students will explore in the lesson. An answer appears on the lesson Assessment page.
-
DO THE MATH feature strengthens students’ math skills with problems tied to the chapter content.
-
DO THIS, NOT THAT feature is a checklist of things to do or not do, around a topic related to the chapter content.
-
LOOKING AHEAD feature highlights scenarios that students may encounter in the years ahead, and engages them with critical-thinking questions.
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BUILDING COMMUNICATION SKILLS focuses on fundamental communication skills such as listening, reading, speaking, and writing. One or more Try It Out activities give students a chance to apply what they have learned.
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SUCCESS SKILLS provides information to lead students toward success in school, work, and personal activities, along with a Try It Out application activity.
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EXPLORING CAREERS IN… showcases careers identified in the 16 Career Clusters.
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TAKE ACTION provides an opportunity to synthesize the chapter concepts by participating in an ongoing, integrated project throughout the text.
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BUILDING COMMUNICATION SKILLS focuses on fundamental communication skills such as listening, reading, speaking, and writing. One or more Try It Out activities give students a chance to apply what they have learned.
-
SUCCESS SKILLS provides information to lead students toward success in school, work, and personal activities, along with a Try It Out application activity.
-
EXPLORING CAREERS IN… showcases careers identified in the 16 Career Clusters.
-
TAKE ACTION provides an opportunity to synthesize the chapter concepts by participating in an ongoing, integrated project throughout the text.
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Instructor's Resource CD-ROM for Ryan's Personal Financial Literacy, 3rd
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Web Site for Ryan's Personal Financial Literacy, 3rd
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