Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do PDF Download

Author: Jerry L. Copley
Publisher: Page Publishing Inc
ISBN:
Category : Business & Economics
Languages : en
Pages : 95

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Book Description
As a former mathematics teacher and a master's degree recipient, I have witnessed a decline in basic mathematical abilities and financial literacy over the past twenty years. It is disheartening. To witness the anxieties people struggle with in their everyday lives--especially when due to reliance on credit--prompted me to do something. I decided to write a book to break down even complex financial concepts into understandable terms. Over the years, I have talked with business owners, bank mortgage lenders, sales professionals, finance managers, and college and high school students, along with coworkers, about the many financial topics individuals encounter throughout their lives. To be honest, I was somewhat surprised by the lack of understanding around basic financial concepts like budgeting, compensation and remuneration, insurance, credit, investments, and even taxation. Education has always been an integral part of my life. I believe in the total education of the individual, not just subject-matter expertise. An education that can last throughout a lifetime is complex yet simple, timeless yet timely, and most importantly, it builds a foundation that is needed for ultimate success. This book, Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do, builds the financial education that seems to be missing from society today. It details financial concepts necessary to guide the individual through a lifetime of experiences and endeavors. The financial topics include budgets, credit, insurance, investments, retirement, and worker compensation with fringe benefits and taxes, all tailored to an individual's personal financial life. As a former tax associate, I have assisted hundreds with their tax returns. In too many cases, individuals did not know how to fill out, complete, and/or file their required tax return. Some didn't even know what their W-2 was! I have become determined to increase their financial literacy as I did with the thousands of students I taught. Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do explains topics using real-world examples from employee compensation and lease versus purchase to loans, insurance, retirement, and the importance of investment to taxation. Employing this method breaks down any intimidation of mathematics (encountered by many of my former students and the general population) while teaching necessary financial concepts and calculations needed for everyday living--purchasing a car, buying insurance, setting up a budget, comparing total compensation from various job opportunities, retirement and investing, filing tax returns, comparing leasing, renting versus ownership, and more. A Walmart employee I recently spoke with told me he had to learn many of these concepts for himself after suffering financial hardship. He wished he would have been introduced to these concepts in school. When I informed him I had taught many of the topics contained in Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do to my students, he responded, "I wish I had you as a teacher." I want to help more people like the Walmart employee and others. I sincerely think they will not only benefit from the topics--they will find them interesting and the narrative informative. Thank you in advance for taking the time to look at Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do!

Author: Jerry L. Copley Jr.
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 0

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Book Description
As a former mathematics teacher and a master's degree recipient, I have witnessed a decline in basic mathematical abilities and financial literacy over the past twenty years. It is disheartening. To witness the anxieties people struggle with in their everyday lives--especially when due to reliance on credit--prompted me to do something. I decided to write a book to break down even complex financial concepts into understandable terms. Over the years, I have talked with business owners, bank mortgage lenders, sales professionals, finance managers, and college and high school students, along with coworkers, about the many financial topics individuals encounter throughout their lives. To be honest, I was somewhat surprised by the lack of understanding around basic financial concepts like budgeting, compensation and remuneration, insurance, credit, investments, and even taxation. Education has always been an integral part of my life. I believe in the total education of the individual, not just subject-matter expertise. An education that can last throughout a lifetime is complex yet simple, timeless yet timely, and most importantly, it builds a foundation that is needed for ultimate success. This book, Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do, builds the financial education that seems to be missing from society today. It details financial concepts necessary to guide the individual through a lifetime of experiences and endeavors. The financial topics include budgets, credit, insurance, investments, retirement, and worker compensation with fringe benefits and taxes, all tailored to an individual's personal financial life. As a former tax associate, I have assisted hundreds with their tax returns. In too many cases, individuals did not know how to fill out, complete, and/or file their required tax return. Some didn't even know what their W-2 was! I have become determined to increase their financial literacy as I did with the thousands of students I taught. Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do explains topics using real-world examples from employee compensation and lease versus purchase to loans, insurance, retirement, and the importance of investment to taxation. Employing this method breaks down any intimidation of mathematics (encountered by many of my former students and the general population) while teaching necessary financial concepts and calculations needed for everyday living--purchasing a car, buying insurance, setting up a budget, comparing total compensation from various job opportunities, retirement and investing, filing tax returns, comparing leasing, renting versus ownership, and more. A Walmart employee I recently spoke with told me he had to learn many of these concepts for himself after suffering financial hardship. He wished he would have been introduced to these concepts in school. When I informed him I had taught many of the topics contained in Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do to my students, he responded, "I wish I had you as a teacher." I want to help more people like the Walmart employee and others. I sincerely think they will not only benefit from the topics--they will find them interesting and the narrative informative. Thank you in advance for taking the time to look at Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do!

Author: Lisa Renaud
Publisher: Classroom Complete Press
ISBN: 0228304261
Category : Education
Languages : en
Pages : 64

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Book Description
Gain the confidence to navigate the financial world and be successful with economic planning. Learn to interpret bank Loans and credit card downsides. Understand the difference between input and output of your cash flow, and how to realize sound Asset & Debt Management. Improve ones’ Negotiation Skills by learning the steps involved to getting better value when purchasing. Compare different Credit scores and get tips on how to improve yours. Identify the salient points to car ownership, including maintenance and depreciation, and what it means to be a responsible Home owner. Recognize the ins and outs of the types of Taxation to discover why your paycheck may be smaller than you budgeted for. Become familiar with Global Economics, currency conversions and cryptocurrency. Comprised of reading passages, graphic organizers, real-world activities, crossword, word search and comprehension quiz, our resource combines high interest concepts with low vocabulary to ensure all learners comprehend the essential skills required in life. All of our content is reproducible and aligned to your State Standards and are written to Bloom's Taxonomy.

Author: Sharon Lechter
Publisher: Techpress, Incorporated
ISBN: 9780983733935
Category :
Languages : en
Pages : 441

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Book Description
Designed to quickly integrate financial literacy into the college classroom, the Your Financial Mastery curriculum enables instructors to easily facilitate student learning using step-by-step instructions, to establish the essential personal finance competencies necessary for students to achieve lifelong financial wellness. Using a highly interactive "flipped classroom" model, the innovative curriculum meets all Financial Education Core Competencies set by the Department of Treasury for Financial Literacy as well as all personal finance benchmarks set by the Institute of Financial Literacy. Textbook topics include: Budgeting & Banking Financial Statements Credit, Credit Cards & Debt Personal Loans, Automobiles & Home Ownership College Funding & Investing Basics Bonds, Stocks, Mutual Funds & Other Investments Real Estate & Entrepreneurship Retirement Planning & Insurance Taxes and much more The learning experience is enhanced by a powerful online companion website with student and administrator resources supporting this financial literacy textbook / workbook. Articles, calculators, printable exercises and tests, infographics, and videos reinforce each personal finance topic and further promote engagement and interaction within and outside the classroom. The companion website accompanies the Your Financial Mastery: The Instructor's Guide (purchased separately; please contact Jennifer Kelly at [email protected]). This groundbreaking curriculum is the collaborative outcome of iGrad, the financial literacy platform that recently won the prestigious Educational Program of the Year Award (EIFLE), and best-selling authors Sharon Lechter (Rich Dad, Poor Dad series) and Angela Totman of Pay Your Family First! Editorial Reviews My students loved it! One excellent outcome was that the class facilitated needed dialog with our students. Bryant Anderson Senior Director of Student Services Illinois College of Optometry "Financial literacy is an important topic that has gained much attention in recent years due to national economic concerns, escalating college costs, and increased student borrowing. iGrad is an excellent financial literacy resource that can be easily integrated into high school and/or post-secondary course curriculum, workshops, and career education." Ron Radney Director of Financial Aid Calfornia State University, Bakersfield "I am impressed with the depth and breadth of the topics and coverage of the book. I am confident that anyone using this book will be far better prepared for their financial futures as a result." Scott B. Johnson Program Coordinator Illinois Online Network, University of Illinois About iGrad iGrad is an educational partner to more than 600 college and universities nationwide, providing a financial literacy platform that connects more than 1.2 million students, alumni and staff. iGrad has won several awards for its innovative and highly effective approach to financial literacy. 2013 Outstanding Consumer Information Award, Association for Financial Counseling and Planning Education 2013 Education Program of the Year, The Institute for Financial Literacy 2014 Best Product, University Business magazine 2015 University of Illinois adopts the Your Financial Mastery textbook for 8-week facilitator led financial literacy teacher certification course 2015 "Education Program of the Year" Excellence in Financial Literacy Education (EIFLE) Award for Your Financial Mastery Curriculum

Author: Douglas J. Lamdin
Publisher: Springer Science & Business Media
ISBN: 1461404754
Category : Psychology
Languages : en
Pages : 341

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Book Description
There has been an increasing recognition that financial knowledge (i.e., literacy) is lacking across the population. Moreover, there is recognition that this lack of knowledge poses real problems as credit, mortgages, health insurance, retirement benefits, and savings and investment decisions become increasingly complex. Financial Decisions Across the Lifespan brings together the work of scholars from various disciplines (family and consumer sciences, economics, law, finance, sociology, and public policy) to provide a broad range of perspectives on financial knowledge, financial decisions, and policies. For consistency across the volume each chapter follows a similar format: (1) what individuals know or need to know (2) how what they know or need to know affects financial decisions and outcomes (3) ways in which policies or programs or financial innovations can enhance their knowledge, or decisions, or outcomes. Contributors will provide both new and existing research to create a valuable picture of the state of financial literacy and how it can be improved.

Author: P. Huang
Publisher:
ISBN: 9781960088079
Category :
Languages : en
Pages : 0

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Book Description
Make this year the year you kickstart your personal finance journey! Are you having such a hard time budgeting your money that you almost have nothing left to save? Does the thought of student loans overwhelm you and make you wonder how you can pay off your debt... fast? Do you have a regular job, but you can't imagine yourself living paycheck to paycheck until you die? If you answer "yes" to any of the above questions, you are not alone. Over 70% of Americans report that money is their primary source of stress. Between all-time high student loan debt, exceedingly competitive job markets, the rising cost of living, rapidly dwindling Social Security, and almost nonexistent pension plans, it's no surprise that teens and young adults have more to worry about than ever before when it comes to establishing financial security and planning their financial future. Understanding the basics of financial literacy is vital in creating a solid financial foundation. Let's face it, none of us want to work forever to merely afford to live. While living with a "YOLO" and "carpe diem" mentality has its perks, reaching financial success requires a forward-thinking mindset. In What the Finance book, you will discover: Eight simple things you can do to kickstart your financial journey today How to create a budget in less than 15 minutes How to set SMART financial goals - and what to do to achieve them How to pay off your debt, even if you're broke A 52-week challenge to save your first $5,000! The key to investing that will help you avoid making a $100,000 mistake Why you should get insurance as early as possible - know which one is best for you How to grow your money, even while you sleep Why having a good credit score is essential - and what you can do to improve it Why talking about money shouldn't be a taboo - and how to begin the conversation And much more. There's no better time to prepare for your future. Do your future self a favor and start your financial journey today!

Author: John Hope Bryant
Publisher: John Wiley & Sons
ISBN: 1394209029
Category : Business & Economics
Languages : en
Pages : 231

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Book Description
A new approach to understanding money and achieving financial fulfillment Former Vice-Chairman of the U.S. President's Advisory Council on Financial Literacy, John Hope Bryant, delivers an accessible and powerful resource for everyday Americans seeking to build a strong financial foundation. This book is an easy-to-read first step toward a fulfilling financial future, helping you understand your relationship to work and money, and a key component to untangling the surprisingly simple puzzle of personal finance. With an insightful foreword by Doug McMillon, President and CEO of Walmart Inc., you'll learn how to create wealth for yourself and your family, regardless of your educational or employment background, and how to establish a financial mindset that contributes to a sound future. You'll also discover: The answers to tough money questions, including the actual utility of new financial inventions like cryptocurrency How to think about exchanging your time and effort for money and the conditions under which you should agree to work Plain-English discussions of the principles of responsible long-term investing and how it differs from speculation Acting as a critical pillar for those seeking to build a rock-solid financial foundation, Financial Literacy for All is a must-have book for working professionals, blue-collar workers, members of young families, and established businesspeople looking for a better, more secure future for themselves and the ones they care about.

Author: Laura Maya
Publisher: XinXii
ISBN: 396028005X
Category : Business & Economics
Languages : en
Pages : 90

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Book Description
Sick of Hearing the Same Old Advice ? “ Word Hard , Control your expenses , Credit Card is a “No , NO “ Do not get into Debt !! Debunk all those assumptions that you will be Rich if you study hard and work hard . This Book is actually not one of those . “They don’t teach you how to get rich at school, is all about the importance of money. The premise of the book clearly distinguishes the difference between the thinking of the rich and the poor. In essence, the only limitation between you and the rich is in your own mind, and achieving success lies in breaking these walls. At schools, you would have been stuck at algebra, Pythagorean Theorem, and organic chemistry but you never study financial planning, making money, or saving money. The book provides real-life examples to reprogram your thinking to that of the rich and wealthy. You can't just graduate and leave formal education and expect yourself to be financially well equipped. Many people think that having a good education is sufficient to the roads to acquire new wealth , well they can't be any more wrong! It is having the mindset of the wealthy that will make you rich. That is why many lotto winners who becomes instant millionaires loses most of their money because they don't have the proper mindset to maintain or grow their money. You’ll discover why some of your money beliefs might be wrong and that could be holding you back , you need to consider what are the principles and what behaviors the rich have , that you do not have (Yet ) Laura Maya takes this idea and breaks it into twelve chapters. You wouldn’t find a recipe to turn rich overnight. Rather, the book provides a solid foundation for setting the psychological stage for strong financial habits. Another feature of They don’t teach you how to get rich at school is the anecdotal references in the book. Laura likes to use lots of anecdotes to illustrate her points and she is quite good at it. For me, I found these references very apt to my observations in life. What’s Inside They Don’t Teach You How To Get Rich at School The book is divided into twelve chapters: Chapter 1: How you think about money really matters Chapter 2: They don’t teach you how to be rich at school Chapter 3: Myth or Lies , Which is True Chapter 4: Learn How the Rich Think to Become Wealthy Chapter 5: Wealth Empowering Beliefs Chapter 6: Change Your Money Mindset with Neuro Linguistic Programming Chapter 7: Change Your Money Mindset with Hypnotherapy Chapter 8: Break free from Ego Chapter 9: Strategies for Improving Your Chances to get Rich Chapter 10:Let Money begets money Chapter 11:Developing your money making skill, mental, emotional and financial intelligence The premise of this book is straightforward – Rich people are programmed to think differently. Essentially, there are 18 ways in which rich people and poor people think differently. This chapter walks you through these 18 points clearly differentiating how rich and poor people think. Studying hard, getting nice grades, and getting a job is not enough to be rich. That’s one lie which we have been fed with since our childhood. There is a difference between scholastic, professional and financial education. The book further analyzes the root cause of why you are not rich. It all boils down to your education. You were never taught about how to be rich at school. Forget that, you never even learned personal finance or how to handle money. It further touches upon how you can get smart with personal finance.

Author: Gil Fried
Publisher: Human Kinetics
ISBN: 1492581550
Category : Business & Economics
Languages : en
Pages : 434

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Book Description
Please note: This text was replaced with a fourth edition. This version is available only for courses using the third edition and will be discontinued at the end of the semester. Sport Finance, Third Edition, grounds students in the real world of financial management in sport, showing them how to apply financial concepts and appreciate the importance of finance in establishing sound sport management practices. Thoroughly updated to address the challenges facing today’s professionals, this text engages students with a practical approach to traditionally difficult financial skills and principles. This edition of Sport Finance contains several new chapters and a greater emphasis on practical applications to better prepare students for the challenges they will face in the dynamic sport industry. New coauthor Mike Mondello brings additional financial expertise and practical knowledge to the expert author team, ensuring strong coverage of issues critical to the field. A new Budgeting 101 chapter provides a strong foundation for students to build on before delving into the influences on finance, capital structuring, financial management, and profits and losses. The final section of the text is completely new and covers current issues affecting the sport industry, providing realistic context for students entering the workforce. Readers will learn how various sport entities are dealing with the effects of recession and analyze the unique issues that affect various segments of the industry, including nonprofit, high school, college, professional, sporting goods, and international sport. Running case studies from the previous edition have been replaced with one comprehensive case study for a Division II athletic department in the final chapter. Students are encouraged to apply their knowledge as they explore the various revenues, expenses, and other financial issues occurring over the course of a year. Teaching readers skills that will help them understand the drivers of financial success or failure in the sport industry, the text presents these features: • Mid-chapter sidebars that provide practical applications based on topics of discussion • End-of-chapter discussion questions that channel dialogue in the classroom • Expanded ancillary materials, including a test package, presentation package, and instructor guide, that help create an exciting classroom environment Sport Finance, Third Edition, allows students to grasp fundamental concepts in sport finance, even if they have not previously studied finance. By analyzing business structures, income statements, and funding options, students not only will learn basic finance, but they will also understand how those skills are used in the world of sport. This practical application of the text will help students apply financial concepts in their future careers and will allow professionals to further develop strategies and investment plans in the industry.

Author: Donald Thomas Wargo
Publisher:
ISBN: 9781439919842
Category : Economics
Languages : en
Pages : 0

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Book Description
America has evolved into an ownership society. Home-buying decisions, resource allocation, debt exposure, and financial planning for the future are now left to individuals, with little guidance from the companies or institutions they work for. Economics, with its insistence on quantifying ideas and putting specific quantitative values on all manner of phenomena, can help us sort through many puzzling dilemmas. Economics for Life: Real-World Financial Literacy is designed to help soon-to-be college graduates emerge into the start of their "real lives" with better comprehension of how to analyze the financial decisions that they will soon have to make. Written in an easy-to-read, conversational style, this textbook will help students learn how to make decisions on saving and investing for retirement, buying a car, buying a home, as well as how to safely navigate the use of debt and credit cards.