Financial Literacy Essentials | A Dollars and Sense Guide to Budgeting, Saving, Investing and More for Teens and Young Adults

Dollars And Sense Publishing

ISBN 13: 9798994077603

Editore: Dollars and Sense Publishing LLC, 2024

Lingua: Inglese

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Titolo

Financial Literacy Essentials | A Dollars and Sense Guide to Budgeting, Saving, Investing and More for Teens and Young Adults

Editore

Dollars and Sense Publishing LLC

Data di pubblicazione

2024

Lingua

Inglese

ISBN 13

9798994077603

Rilegatura

Taschenbuch

Condizione

Neu

Dimensioni

Peso

362 grammi

Cataloghi dei venditori

B�cher

Descrizione articolo

Riassunto

Financial Literacy Essentials: A Dollars and Sense Guide to Budgeting, Saving, Investing and More for Teens and Young Adults is a comprehensive, beginner-friendly financial literacy guide designed to teach young people the real-world money skills they need to succeed. With schools rarely offering personal finance education, many teens and young adults enter adulthood without understanding budgeting, saving, credit, investing, or responsible money management. This book fills that gap with clear instruction, practical strategies, and essential financial concepts presented in an approachable and easy-to-understand format.

Written in straightforward, everyday language, this guide avoids confusing jargon and never talks down to readers. Instead, it breaks down financial topics step-by-step, empowering young adults to take action immediately. Readers learn how to create a realistic budget, manage expenses, build consistent saving habits, and develop a strong financial foundation that supports long-term stability and independence.

This book covers the full spectrum of fundamental financial skills, including how credit works, how to build and protect a credit score, how loans and interest rates function, and how to avoid common credit pitfalls. It also offers a beginner-friendly introduction to investing, explaining stocks, retirement accounts, compound interest, diversification, index funds, and even the basics of cryptocurrency in a clear and accessible way.

Additional chapters provide guidance on paying for college, applying for financial aid, earning income, finding a first job, exploring entrepreneurship, and preparing for unexpected financial challenges. Readers are also taught how to recognize and avoid common money mistakes, develop smart spending habits, protect against scams and identity theft, and make informed financial decisions in everyday life.

Ideal for teens, high-school students, college freshmen, young adults, educators, and families seeking a practical financial literacy resource, Financial Literacy Essentials delivers all the foundational knowledge needed to build confidence with money. The book is engaging, relatable, and packed with actionable steps readers can apply right away.

This is the essential financial education guide for anyone looking to gain financial independence, improve money management skills, and build a secure financial future with clarity and confidence.

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Descrizione libreria

preigu betreibt einen Onlineversandhandel mit �ber 1 Mio. Produkten in verschiedenen Sortimenten. Das Kernsortiment besteht aus B�chern, Medien und Spielwaren. Ein gelungenes Einkaufserlebnis ist das Ziel einer jeden Bestellung bei preigu, denn der Kunde und seine Zufriedenheit stehen an erster Stelle. preigu setzt daher auf einen kompetenten Kundenservice, funktionierende Prozesse und schnelle Reaktion.

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preigu GmbH & Co. KG
Lengericher Landstra�e 19, Osnabr�ck, 49078, Germany

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Standard Business Terms and customer information

I. Standard business terms

� 1 Basic provisions

(1) The following terms and conditions of business apply for all contracts concluded with us as the supplier (preigu GmbH & Co. KG) via the websites AbeBooks and/or ZVAB. Unless otherwise agreed, the inclusion of your own terms and conditions is explicitly rejected.

(2) A ?consumer' in the sense of the following regulations is every natural person who concludes a legal transaction which, to an overwh...

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Instructions for revocation

Right of withdrawal for the sale of goods

Revocation right for consumers
(A ‘consumer' is any natural person who concludes a legal transaction which, to an overwhelming extent, cannot be attributed to either his commercial or independent professional activities.)

Instructions for revocation

Revocation right
You have the right to revoke this contract within 14 days without specifying any reasons.
The revocation period is 14 days with effect from the day,

on which you or a third party nominated by you, which is not the carrier, had taken possession of the products, provided you had ordered one or more products within the scope of a standard order and this/these product/products is/are delivered uniformly;
on which you or a third party nominated by you, which is not the carrier, had taken possession of the last product, provided you had ordered several products within the scope of a standard order and these products are delivered separately;
on which you or a third party nominated by you, which is not the carrier, had taken possession of the last part delivery or the last unit, provided you had ordered a product, which is delivered in several part deliveries or units;

To exercise your right of withdrawal, you must inform us (preigu GmbH & Co. KG, Lengericher Landstr. 19, 49078 Osnabr�ck, Telephone number: +49 (0) 541 / 580 72 84, E-Mail address: mail@preigu.de) by means of a clear declaration (e.g. a letter sent by post, or an e-mail) of your decision to withdraw from this contract. You can use the attached model withdrawal form for this purpose, which is, however, not mandatory.

You can also exercise your right of withdrawal online by clicking on a button labelled accordingly (such as ‘Withdraw from contract' or similar) on the AbeBooks/ZVAB website. If you use this online function, you will immediately receive a confirmation of receipt on a durable medium (e.g. via email) containing information on the content of the withdrawal notice, as well as the date and time of its receipt.

In order to safeguard the revocation period, it is sufficient that you send the notification about the exercise of the revocation right before the expiry of the revocation period.

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If you revoke this contract, we shall repay all the payments, which we received from you, including the delivery costs (with the exception of additional costs, which arise from that fact that you selected a form of delivery other than the most reasonable standard delivery offered by us), immediately and at the latest within 14 days from the day on which we received the notification about the revocation of this contract from you. We use the same means of payment, which you had originally used during the original transaction, for this repayment unless expressly agreed otherwise with you; you will not be charged any fees owing to this repayment.

We can refuse the repayment until the products are returned to us or until you have furnished evidence that you have sent the products back to us, depending on whichever is earlier.

You must return or transfer the products to us immediately and, in any case, at the latest within 14 days with effect from the day on which you inform us of the revocation of this contract. The deadline is maintained if you send the products before the expiry of the 14 day deadline.

You bear the direct costs for returning the products.

You must pay for any depreciation of the products only if this depreciation can be attributed to any handling with you that was not necessary for checking the condition, features and functionality of the products.

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The revocation right is not available for contracts

for delivery of products, which are not prefabricated and for whose manufacturing an individual selection or stipulation by the consumer is important or which are clearly tailored to the personal requirements of the consumer;
for delivery of products, which can spoil quickly or whose use-by date would be exceeded quickly;
for delivery of alcoholic drinks, whose price was agreed at the time of concluding the contract, which however can be delivered 30 days after the conclusion of the contract at the earliest and whose current value depends on the fluctuations in the market, on which the entrepreneur has no influence;
for delivery of newspapers, periodicals or magazines with the exception of subscription contracts. The revocation right expires prematurely in case of contracts
for delivery of sealed products, which are not suitable for return for reasons of health protection or hygiene if their seal has been removed after the delivery;
for delivery of products if they have been mixed inseparably with other goods after the delivery, owing to their condition;
for delivery of sound or video recording or computer software in a sealed package if the seal has been removed after the delivery.

Specimen - revocation form

(If you wish to revoke the contract, please fill up this form and send it back to us.)

To preigu GmbH & Co. KG, Lengericher Landstr. 19, 49078 Osnabr�ck, Email address: mail@preigu.de :
I/we () herewith revoke the contract concluded by me/ us () regarding the purchase of the following products ()/
the provision of the following service ()
Ordered on ()/ received on ()
Name of the consumer(s)
Address of the consumer(s)
Signature of the consumer(s) (only in case of a notification on paper)
Date

(*) Cross out the incorrect option.

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Quantit� dell'ordine	Da 60 a 60 giorni lavorativi	Da 60 a 60 giorni lavorativi
Primo articolo	EUR 70.00	EUR 70.00

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Financial Literacy Essentials | A Dollars and Sense Guide to Budgeting, Saving, Investing and More for Teens and Young Adults

Dollars And Sense Publishing

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