Teen Guide to Personal Financial Management
May 10, 2009 by Marie Claire
Why should young people even think about saving for retirement? Why not run credit card debt up to the max if the bank is willing to lend it? Answers to these questions and others can be found in this basic guide to the fundamentals of personal finance written specifically for young adults. A wide range of financial matters on how to manage your money are discussed in a progressive fashion from the very basics of opening a bank account to budgeting, paying for college, financing a car, and tax-deferred retirement accounts so that readers with varying levels of knowledge are provided with all the information they need to stay out of debt and to plan for their futures. Touching on a wide range of financial matters, from the use of credit cards to planning for college and retirement, the volume logically walks readers through the process of handling their personal finances. Examples throughout the book as well as advice from financial and family counselors clarify specific points for students to help them learn how to save and budget, how to avoid the pressures of consumerism and escalating debt and how to manage all aspects of their money wisely. Sample lesson plans, an extensive glossary, resource lists and further reading lists provide students who wish to study specific concepts in greater detail with all the tools they need to do so.Buy This Book at AMAZON.COM Using this Link and Save $11.11 or 19% OFF: Teen Guide to Personal Financial Management
More book details
Teen guide to personal financial management
By Marjolijn Bijlefeld, Sharon K. Zoumbaris
Edition: illustrated
Published by Greenwood Publishing Group, 2000
ISBN 0313311072, 9780313311079
269 pages
Review of Teen Guide to Personal Financial Management
Anyone doubting the importance of guiding teens in the area of personal financial management need only read the first five pages of the introduction to become a believer....The highlight of the book is the 18-page "resource guide" of education resources, Web sites, and brief annotations of financial management services. Highly Recommended.-The Book Report
“This book belongs in the classroom or on the professional or nonfiction shelves where a parent or educator might use it for valuable life lessons.”–VOYA
“With frightening anecdotes and ample documentation, the authors present a convincing thesis that debt is rampant among teens, college students, and recent grads. They then go on to provide facts on budgeting, saving, investing, dealing with debt, understanding mortgages and loans, and even planning for retirement.”–Booklist/Reference Books Bulletin
Teen guide to personal financial management
By Marjolijn Bijlefeld, Sharon K. Zoumbaris
Edition: illustrated
Published by Greenwood Publishing Group, 2000
ISBN 0313311072, 9780313311079
269 pages
Review of Teen Guide to Personal Financial Management
Anyone doubting the importance of guiding teens in the area of personal financial management need only read the first five pages of the introduction to become a believer....The highlight of the book is the 18-page "resource guide" of education resources, Web sites, and brief annotations of financial management services. Highly Recommended.-The Book Report
“This book belongs in the classroom or on the professional or nonfiction shelves where a parent or educator might use it for valuable life lessons.”–VOYA
“With frightening anecdotes and ample documentation, the authors present a convincing thesis that debt is rampant among teens, college students, and recent grads. They then go on to provide facts on budgeting, saving, investing, dealing with debt, understanding mortgages and loans, and even planning for retirement.”–Booklist/Reference Books Bulletin
“Anyone doubting the importance of guiding teens in the area of personal financial management need only read the first five pages of the introduction to become a believer....The highlight of the book is the 18-page "resource guide" of education resources, Web sites, and brief annotations of financial management services. Highly Recommended.”–The Book Report
“This book is a fast read. It culls essential information on financial management into one source....this book is an invaluable resource on this matter....Bijlefeld and Zoumbaris do an acceptable job of providing advice for teens on personal financial management.”–Melissa McShea
The Latino Guide to Personal Money Management
The Latino Guide to Personal Money Management is a personal finance book by and for Latinos. Latinos stand poised to become the largest minority group in the United States early in the coming century. Yet this readership has lacked reliable, targeted financial information. It's time for a personal finance book that addresses the need of the Latino community for sound, practical, financial advice. "The Latino Guide to Personal Money Management" is the first personal finance book by and for Latinos in the US market. Laura Castellanos and Laura Castaneda combine their financial and journalistic expertise in this definitive guide and reference. Individuals and families will find a panoply of advice on how to set up and use US bank accounts, save for retirement or college, and send money to family members in other countries. This guide also includes valuable tips on buying stocks and bonds, negotiating for a home, and applying for credit. The authors focus on every important aspect of money management and provide the reader with extensive resources-- worksheets, useful lists of financial institutions, and sources of bilingual information. For Latino-Americans who want to take control of their finances, this unparalleled guide is a must-read. Tip and strategies include: preparing for and financing children's educations; taking care of extending family while planning for retirement; selecting all types on insurance; locating banks that serve Latinos' needs; finding bilingual financial services.
Individuals and families will find a spectrum of advice on how to set up and use U.S. bank accounts, save for retirement or college, and send money to family members in other countries. It also includes valuable tips on buying stocks and bonds, negotiating for a home, and applying for credit.
Buy This Book at AMAZON.COM Using this Link to get FREE Super Saver Shipping at Get the book at a reduced price of $16.25: The Latino Guide to Personal Money Management
More book details
The Latino Guide to Personal Money Management
By Laura Castellanos
Contributor Antonia Hernandez
Edition: illustrated
Published by Bloomberg Press, 1999
ISBN 1576600580, 9781576600580
311 pages
Customer Review
Valuable financial information for Latinos and non-Latinos, March 17, 2000
Latinos will become the largest minority group in the United States in the 21st century, but remain largely outside the financial mainstream. For example, the Harvard University Joint Center for Housing Studies reported in March 2000 that 44% of Latinos own their own homes, compared with 75% of whites.
According to the Federal Reserve, despite an economic expansion of record length, there is vast disparity in wealth (all assets, including homes, autos, stocks, and savings accounts) between whites and nonwhites. The median net worth for Latino, African-American, Asian, and other minority families was $16,400 in 1998, the most recent year for which the Federal Reserve has data. That figure is just 17.28% of the median net worth of $94,900 for non-Latino white families, virtually unchanged from 17.23% in 1992 (although the disparity in income is much smaller: 62%).
The wealth gap is much greater than the income gap for various reasons. Minorities, including Latinos, typically have less access to credit for starting businesses, and are less likely to invest in the stock market. They are also less likely to have accounts at financial institutions, doing business instead with check cashers and payday lenders, the latter of whom often charge interest equal to a 500% annual percentage rate.
This much-needed book not only examines the cultural factors that help explain these trends among Latinos, it also offers advice to Latinos on setting up and using accounts at banks and credit unions, saving for retirement or college, sending money to family members in other countries, buying stocks and bonds, negotiating for a home, and applying for credit. It also lists financial institutions and sources of bilingual financial service information and provides Spanish-language translations of key financial terms. Castaneda, a former Knight-Bagehot Fellow in business and economics reporting at Columbia University who has covered business and finance as a freelance writer and a reporter for the San Francisco Chronicle, has thoroughly researched her topic.
Although oriented toward Latinos, this book would be helpful to anyone who wants to take control of and improve their finances.
“This book is a fast read. It culls essential information on financial management into one source....this book is an invaluable resource on this matter....Bijlefeld and Zoumbaris do an acceptable job of providing advice for teens on personal financial management.”–Melissa McShea
The Latino Guide to Personal Money Management
The Latino Guide to Personal Money Management is a personal finance book by and for Latinos. Latinos stand poised to become the largest minority group in the United States early in the coming century. Yet this readership has lacked reliable, targeted financial information. It's time for a personal finance book that addresses the need of the Latino community for sound, practical, financial advice. "The Latino Guide to Personal Money Management" is the first personal finance book by and for Latinos in the US market. Laura Castellanos and Laura Castaneda combine their financial and journalistic expertise in this definitive guide and reference. Individuals and families will find a panoply of advice on how to set up and use US bank accounts, save for retirement or college, and send money to family members in other countries. This guide also includes valuable tips on buying stocks and bonds, negotiating for a home, and applying for credit. The authors focus on every important aspect of money management and provide the reader with extensive resources-- worksheets, useful lists of financial institutions, and sources of bilingual information. For Latino-Americans who want to take control of their finances, this unparalleled guide is a must-read. Tip and strategies include: preparing for and financing children's educations; taking care of extending family while planning for retirement; selecting all types on insurance; locating banks that serve Latinos' needs; finding bilingual financial services.Individuals and families will find a spectrum of advice on how to set up and use U.S. bank accounts, save for retirement or college, and send money to family members in other countries. It also includes valuable tips on buying stocks and bonds, negotiating for a home, and applying for credit.
Buy This Book at AMAZON.COM Using this Link to get FREE Super Saver Shipping at Get the book at a reduced price of $16.25: The Latino Guide to Personal Money Management
More book details
The Latino Guide to Personal Money Management
By Laura Castellanos
Contributor Antonia Hernandez
Edition: illustrated
Published by Bloomberg Press, 1999
ISBN 1576600580, 9781576600580
311 pages
Customer Review
Valuable financial information for Latinos and non-Latinos, March 17, 2000
Latinos will become the largest minority group in the United States in the 21st century, but remain largely outside the financial mainstream. For example, the Harvard University Joint Center for Housing Studies reported in March 2000 that 44% of Latinos own their own homes, compared with 75% of whites.
According to the Federal Reserve, despite an economic expansion of record length, there is vast disparity in wealth (all assets, including homes, autos, stocks, and savings accounts) between whites and nonwhites. The median net worth for Latino, African-American, Asian, and other minority families was $16,400 in 1998, the most recent year for which the Federal Reserve has data. That figure is just 17.28% of the median net worth of $94,900 for non-Latino white families, virtually unchanged from 17.23% in 1992 (although the disparity in income is much smaller: 62%).
The wealth gap is much greater than the income gap for various reasons. Minorities, including Latinos, typically have less access to credit for starting businesses, and are less likely to invest in the stock market. They are also less likely to have accounts at financial institutions, doing business instead with check cashers and payday lenders, the latter of whom often charge interest equal to a 500% annual percentage rate.
This much-needed book not only examines the cultural factors that help explain these trends among Latinos, it also offers advice to Latinos on setting up and using accounts at banks and credit unions, saving for retirement or college, sending money to family members in other countries, buying stocks and bonds, negotiating for a home, and applying for credit. It also lists financial institutions and sources of bilingual financial service information and provides Spanish-language translations of key financial terms. Castaneda, a former Knight-Bagehot Fellow in business and economics reporting at Columbia University who has covered business and finance as a freelance writer and a reporter for the San Francisco Chronicle, has thoroughly researched her topic.
Although oriented toward Latinos, this book would be helpful to anyone who wants to take control of and improve their finances.
(Personal Finance Management Guide by Marie Claire Cooper. It's all about good reading and smart information.) http://personal-finance-management.blogspot.com/
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