Managing Your Personal Finances / Edition 7

by Joan S. Ryan, Christie Ryan

Overview

While focusing on the student's role as citizen, student, family member, consumer, and active participant in the business world, MANAGING YOUR PERSONAL FINANCES 7E informs students of their various financial responsibilities. This comprehensive text provides opportunities for self-awareness, expression, and satisfaction in a highly technical and competitive society. Students discover new ways to maximize their earning potential, develop strategies for managing their resources, explore skills for the wise use of credit, and gain insight into the different ways of investing money. Written specifically for high school students, special sections in each chapter hold student interest by focusing on current trends and issues consumers face in the marketplace.

Product Details

ISBN-13:	9781305076815
Publisher:	Cengage Learning
Publication date:	01/06/2015
Edition description:	New Edition
Pages:	720
Product dimensions:	8.60(w) x 10.90(h) x 1.30(d)
Lexile:	1110L (what's this?)

About the Author

Joan Ryan, M.B.A., Ph.D., C.M.A., has taught personal finance for over 20 years. She began at Willamette High School in Eugene, Oregon, where this textbook was initially developed and tested. After four years there, she taught in the business department at Lane Community College (also in Eugene) for 12 years. After eight years at Clackamas Community College, she was department chair for the next six years. Then she resumed teaching accounting, personal finance, and business law, retiring from full-time teaching in 2014. She also is a C.M.A. (certified management accountant), a state-certified mediator, and adjunct faculty at Clackamas Community College and Portland State University in the graduate Masters in International Management program.


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.

Table of Contents

UNIT I: MANAGING MONEY. 1. Careers in the Digital Age. 2. Pay, Benefits, and Work. 3. Income Tax. 4. Budgets and Records. 5. Checking and Banking. 6. Saving for the Future. UNIT II: MANAGING CREDIT. 7. Credit in America. 8. Credit Records and Laws. 9. Costs of Credit. 10. Problems with Credit. UNIT III: MANAGING RESOURCES. 11. Personal Decision Making. 12. Renting a Residence. 13. Buying a Home. 14. Buying and Owning a Vehicle. 15. Family Decisions. UNIT IV: PROVIDING FINANCIAL SECURITY. 16. Investing for the Future. 17. Investing In Stocks. Stock Market Simulation. 18. Bond Markets. 19. Mutual Funds, Real Estate, and Other Choices. 20. Retirement and Estate Planning. UNIT V: RISK MANAGEMENT. 21. Introduction to Risk Management. 22. Property and Liability Insurance. 23. Health and Life Insurance. UNIT VI: CONSUMER RIGHTS AND RESPONSIBILITIES. 24. Role of Consumers in a Market Economy. 25. Consumer Protection. 26. Dispute Resolution. Glossary. Index.

Editorial Reviews

"I feel that the book covers ALL necessary materials that I currently try to cover and it does it, not only by having them read, but by prompting them to think critically, as well as having them look at all viewpoints when making a decision."

"I really like the Consider This openings for each chapter. Any time a student can mentally put him/herself into a real-life story and experience it, adds credibility and interest to the subject matter. These are powerful!"

From the Publisher