Request for consultation

Thanks for your request. You’ll soon be chatting with a consultant to get the answers you need.
Your form is submitting...
{{formPostErrorMessage.message}} [{{formPostErrorMessage.code}}]
Email Address is required. 'Email Address' must contain at least 0 characters 'Email Address' cannot exceed 0 characters Please enter a valid Email Address
First Name is required. 'First Name' must contain at least 0 characters 'First Name' cannot exceed 0 characters Please enter a valid First Name
Last Name is required. 'Last Name' must contain at least 0 characters 'Last Name' cannot exceed 0 characters Please enter a valid Last Name
Institution is required.
Discipline is required.
Cengage, at your service! How can we best meet your needs? is required.
Why are you contacting us today? is required. 'Why are you contacting us today?' must contain at least 0 characters 'Why are you contacting us today?' cannot exceed 0 characters Please enter a valid Why are you contacting us today?

Personal Financial Literacy, 3rd Edition

Joan Ryan, Christie Ryan

  • Copyright 2017
  • {{checkPublicationMessage('Published', '2016-01-28T00:00:00+0000')}}
Starting At $90.95 See pricing and ISBN options
Instructor Next Steps
Students: Buy now
Personal Financial Literacy 3rd Edition by Joan Ryan/Christie Ryan
Quick Navigation

Overview

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.

{{readMore['overview'] ? 'Read More' : 'Read Less'}}

Meet the Authors

{{collapseContainerClosed['meet-the-author'] ? 'Show More' : 'Show Less'}}

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.

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.

What's New

{{collapseContainerClosed['whats-new'] ? 'Show More' : 'Show Less'}}
  • 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.

Features

{{collapseContainerClosed['features'] ? 'Show More' : 'Show Less'}}
  • 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.

Table of Contents

{{collapseContainerClosed['table-of-contents'] ? 'Show More' : 'Show Less'}}
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.

Compare Buying Options

{{collapseContainerClosed['compare-buying-options'] ? 'Show More' : 'Show Less'}}

Textbook Only Options

Traditional eBook and Print Options

{{collapseContainerClosed['detail_0'] ? 'Show More' : 'Show Less'}}

  • ISBN-10: 0357703561
  • ISBN-13: 9780357703564
  • RETAIL $0.00

  • ISBN-10: 0538448628
  • ISBN-13: 9780538448628
  • RETAIL $0.00

  • ISBN-10: 0538448555
  • ISBN-13: 9780538448550
  • RETAIL $90.95

  • ISBN-10: 1305653076
  • ISBN-13: 9781305653078
  • RETAIL $201.95
Instructor Next Steps
Students: Buy now

Supplements

{{collapseContainerClosed['supplements'] ? 'Show More' : 'Show Less'}}

Cengage provides a range of supplements that are updated in coordination with the main title selection. For more information about these supplements, contact your Learning Consultant.

FOR STUDENTS

On Your Own: A Personal Budgeting Simulation

ISBN: 9780538448550
This activity-based simulation depicts a recent high school graduate finding out what it means to be on their own financially. The simulation allows students to experience the process of opening a checking account, renting an apartment, applying for credit, looking for a job, buying a car, shopping online, banking electronically, paying taxes, and more. Students complete parallel activities for themselves as they work through the simulation, completing budgets and creating filing systems for personal financial information.

Family Financial Management

ISBN: 9780538448628
Managing personal finances can be an interesting and challenging task. FAMILY FINANCIAL MANAGEMENT 8e is a hands-on, engaging money-management simulation that focuses on budgeting and financial planning for three family units: Tyra Burns, a single woman living on her own; Adam Warner, a single father raising a young son, Carson; and Celina and Jared Hoffman, a young married couple. As students work through the simulation, they will learn to write checks, reconcile bank statements, plan budgets, make rent and mortgage payments, use credit and debit cards, invest for retirement, and more!\nFAMILY FINANCIAL MANAGEMENT 8e simulation contains all of the following tools to create a realistic experience for students:\n\nInstructions and Forms Book contains vivid descriptions of real-life financial transactions and realistic financial documents including bills, receipts, tax forms, tickets, coupons, and applications\n\nCheckbook with Register has checks that the students use for check writing, bank deposit tickets, and a check register.\n\nFinancial Record Book includes easy-to-use worksheet pages for recording financial transactions.\n\nFile folder with tabbed dividers helps keep financial documents and forms organized.\nAn optional Data CD with template files makes it easy to incorporate the use of commercial spreadsheet software in the financial-management process. It also contains files for 12 Special Topics readings, which are all correlated to JumpStart standards.