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Financial Literacy for Millennials: A Practical Guide to Managing Your Financial Life for Teens, College Students, and Young Adults

Autor Andrew O. Smith CFO
en Limba Engleză Hardback – 21 aug 2016 – vârsta până la 17 ani
A modern primer on consumer finance and personal money management intended for readers aged 15 to 30, this guide can also serve as a primary text for high school, college, or adult education courses on personal finance.There is growing awareness that teaching consumers more about finance is an urgent national priority-and that their education should begin early. Combining practical advice with targeted information on virtually every aspect of personal finance and money management, this book is the ideal resource for young people who want to start off their financial lives properly. The guide updates traditional personal finance topics, such as budgeting, credit, debt, savings, and investment, and goes beyond those fundamentals to furnish important life lessons on such concerns as career planning, starting a business, Internet fraud, and avoiding financial scams. It even provides useful background on the tax system, how to avoid bankruptcy, legal issues young adults often face, and the plethora of government benefits they can access. In fact, young readers will come away from this book with basic knowledge of every important area of personal finance.Ideal for teens and young adults, the volume will prove useful to parents who want to educate their children about the wise use of money, preparing them to make independent financial decisions. In addition, this book can be used to meet the standards enacted in every state for developing a curriculum guide for teaching financial literacy to high school students. It can also serve as a primary or supplementary resource in personal finance or consumer economics courses for college students and adults.
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Specificații

ISBN-13: 9781440834028
ISBN-10: 1440834024
Pagini: 216
Dimensiuni: 156 x 235 x 18 mm
Greutate: 0.52 kg
Editura: Bloomsbury Publishing
Colecția Praeger
Locul publicării:New York, United States

Caracteristici

Prepares millennials for the financial impact of life events so they will be empowered to take control of their financial futures

Notă biografică

Andrew O. Smith, MBA, JD, is a trustee, financial advisor, and licensed attorney who has counseled trust funds, estates, investment partnerships, limited-liability corporations, insurance trusts, real estate partnerships, and individuals.

Cuprins

AcknowledgmentsPrologue: A Tale of Two TeensONE: Financial PlanningMoney. Inflation. Personal Responsibility. Life Goals. Experts. Elements of a Financial Plan. Keeping Track. Giving Back. A Balanced Life.TWO: CareersCareer Paths. Human Capital, Education, and Training. The Labor Market. Lifetime Income. Job Satisfaction. Compensation and Overtime. Negotiating Pay and Benefits. Careers to Consider. Experiential Work. Internships, Mentors, and References.THREE: Business and EntrepreneurshipBusiness Organization. The Language of Business. Startups. Franchises. Side Businesses. Real Estate. Sources of Funding. The Economy. Growth and Recession. International Business.FOUR: Savings and BankingWhy Save? How to Save. Banking Basics. Bank Accounts. Automated Teller Machines. Prepaid Debit Cards. Other Financial Institutions. Fees and Services. Reconciliation. Mobile Payment Systems. Electronic Banking. Deposit Insurance. Bank Safety.FIVE: Budgeting and SpendingHow to Budget. Everyday Spending. Savings and Emergencies. Sample Budget. Automobiles. Renting an Apartment. Owning a Home. Renting versus Buying. College. Children. Value. Consumers Beware.SIX: Credit and DebtLoans. Time Value of Money. Collateral and Repayment. Mortgages. Interest Rates. Amortization. Credit Cards. Automobile and Personal Loans. Credit Reports. Payday Lending. Debt Collection. Responsible Use.SEVEN: BankruptcyWhy Bankruptcy? Types of Bankruptcy. Exempt Property. Discharge of Debts. Bankruptcy Process. Avoiding Bankruptcy. Credit Counseling. Business Bankruptcies. After Bankruptcy.EIGHT: InvestmentsCompounding. Understanding Risk. The Stock Market. Mutual Funds. Market Index Funds. Bonds. Treasury Securities and Money Market Funds. Derivatives. Commodities and Currencies. Other Investments. Losses. Safety of Financial Markets.NINE: Avoiding Financial ScamsPyramid Schemes. Other Investment Frauds. Identity Theft. Safe Computers. Internet Scams. Bitcoins. Get Rich in Real Estate. Multi-Level Marketing. Day Trading. Gambling. Other Scams. Consumer Protection.TEN: InsuranceHow Insurance Works. Property Insurance. Title Insurance. Renter's Insurance. Cars and Other Vehicles. Health Insurance. Disability Insurance. Life Insurance. Liability Insurance. Social Media Risks. Insurance for Other Risks.ELEVEN: TaxesHow Taxes Work. What Taxes Support. Sales Taxes. Income Taxes. Employment Taxes. Property Taxes. Other Taxes. Tax Expenditures. Taxes and Behavior. Tax Considerations for Business.TWELVE: Government BenefitsSocial Security. Medicare. Poverty. Medicaid and the Affordable Care Act. Food Stamps. Student Loans. Home Loan Programs. Other Housing Support. Direct Financial Assistance. Job-Related Assistance. Other Benefit Programs.THIRTEEN: Legal IssuesContracts. Prenuptial Agreements. Liability. Property. Intellectual Property. Accidents. Civil Litigation. Law in the Workplace. Using Lawyers.FOURTEEN: Growing OlderRetirement Plans. Pensions. How Much Do You Need? Wills and Estates. Trusts. Health Issues. Family Obligations.APPENDIX 1: Website ContentAPPENDIX 2: Takeaway TipsTop Ten Financial Tips. First Job Tips. Tips for College. Tips for Graduating Students.APPENDIX 3: Curriculum PlanningIndex

Recenzii

[T]he book is comprehensive in its coverage of every element of financial planning for a young person living in the United States. . . . [T]his book would be a strong textbook for a financial planning class in high school or college where a teacher could supplement the text with some guidance. Teachers will also be able to use Smith's website (financialliteracyformillennials.com) with lesson plans and quizzes to save time and effort in trying to find these resources elsewhere.