COPYRIGHTED MATERIAL
TABLE OF CONTENTS
Chapter 10: Your Risky Retirement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 175 Risks of an underfunded retirement; 401K plans and IRAs; calculating retirement benefits; 21st century challenges to funding retirement; age discrimination; Social Security benefits; Speak up about Social Security! Chapter 11: Investing 101 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 197 Investing basics; risk and reward; stocks, bonds, mutual funds; real estate; commodities; mutual funds; portfolio diversification; return on investment; capital gains tax; Wall Street Reform student podcasts. Chapter 12: Small Biz Whiz . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 219 Traits and skills of a small business owner; LLC, corporation, partnership, sole proprietorship, franchise; calculating a profit margin; building wealth through a small business; small business owner survey. Unit 3: Protecting and Preserving Wealth Chapter 13: Credit Card Craze . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 239 Consumer debt in America; credit card rates, penalties, and fees; grace periods; the credit card time line; how to read a credit card statement; responsible credit card ownership; predatory lending debate. Chapter 14: The Beauty of the Budget . . . . . . . . . . . . . . . . . . . . . . . . . . . . 263 Benefits of the personal budget; wants vs. needs; living within a budget; making a budget; exploring personal budget apps and programs; the federal balanced budget controversy. Chapter 15: Protect What You’ve Earned . . . . . . . . . . . . . . . . . . . . . . . . . . 283 Insurance terms and concepts; homeowners insurance; auto coverage; healthcare insurance; HMO vs. PPO; term life insurance vs. whole life; making an insurance claim; protecting yourself from identity theft. Chapter 16: Share with Care! . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 309 The risks of shared ownership; forms of joint ownership; joint tenancy vs. tenancy in common; risks of co-borrowing, co- signing and guarantees; faux fiancés financial compatibility challenge. Chapter 17: How to Lose it All... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 329 Addiction’s impact on income, education and wealth-building; gambling addiction; short term and long term financial impact of a criminal conviction; lifestyle debate: single vs. married? Chapter 18: Resolving Insolvency . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 351 Insolvency; bankruptcy chapters 7, 11, & 13; liquidation, reorganization and debt restructuring; non-dischargeable debt; exempt property; limitations of bankruptcy; debt management agreements; reflecting on financial literacy. PRODUCT PREVIEW
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