Description: FREE SHIPPING UK WIDE Financial Capability by John Duston This new workbook brings together everything students need to know about money: understand how income, budgets, savings, debt and interest work, and learn how to manage your money safely. Working through the exercises and examples, students will gain a solid foundation to make good decisions in their financial journey. FORMAT Paperback CONDITION Brand New Publisher Description This new workbook brings together everything students in Year 9 and 10 need to know about money: understand how income, budgets, savings, debt and interest work, and learn how to manage your money safely.Working through the exercises and examples, students will gain a solid foundation from which they can investigate further and make good decisions in their financial journey.The content of the workbook relates to and supports the teaching of Financial Capability Standards at all levels for:- The effect of life stages on personal income- Demonstrate understanding of credit and debt on personal finance- Evaluate options to increase personal income- Producing a budget- Select personal banking products in relation to personal finance- Analyse credit options and select strategies to manage personal finance- Demonstrate understanding of risk and return on investment Author Biography John Duston is a Commerce teacher and administration manager at St Cuthberts College in Auckland. Prior to teaching, he worked in the commercial world for eight years as a chartered accountant, a payroll clerk, and in sales and marketing. He is passionate about equipping youth and adults with the knowledge and skills to get them started off in the right direction in their money matters. Concerned about the increase in poverty and inequality, John is motivated to provide the appropriate financial literacy tools and knowledge to students before they enter the workforce, and also for adults and new arrivals to New Zealand. Table of Contents Authors preface 5Financial Capability Standards 5Disclaimer 5About the author 51 Principles for managing your money 6The financially wise 6The financially unwise (what not to do!) 7Starting on the journey of managing your money 72 Earning an income 9Gearing up for the changing world of work 9The labour market 10The impact of work on lifestyle 11Earning an income from working 11Advantages and disadvantages of different types of income 17How much people earn from working 19Income from a government benefit 19Other facts about income 19Influences on income 21Paying tax 253 Calculating incomes 30Calculating take-home pay: terminology 30Calculating wages 31Calculating salaries 33Calculating commissions 36Calculating royalties 36Calculating tax 374 Keeping financial statements 39Budgeting as a tool to encourage saving 39A balanced budget 40Preparing a monthly budget 40Budgets: an essential planning tool 43Statements of affairs 48Keeping documents 51Spending analysis 515 Money and psychology 53Values and beliefs and money 53Advertising targeting emotions 54Everyone else has one 55Impulse buying 56Spaving 57Retail therapy 58Buying love and family expectations 59Resisting the temptation to spend 60Uncovering your beliefs about money 626 Saving to earn an income 65Income versus expenditure 68The importance of saving 69Where to save 70Bank accounts and deposits that earn interest 70KiwiSaver 75Investing in shares 80Income from investing in a business 83Money received from an inheritance 84Property 84Things to think about when saving and investing 877 Banking 91Services offered by banks 91Security for your banking 948 Protecting what you have 97Insurance 97Scams 102Being a careful consumer 1059 Borrowing money 111The costs of borrowing 111Types of credit 114Borrowing for the right reasons 116Pros and cons 116Obtaining credit 120The cost of convenience 122Good debt and bad debt 122Manageable versus unmanageable debt 125Tips for managing debt 12710 Getting money for tertiary study 131Personal savings 131Student allowances 132Scholarships and grants 132Student loans 13211 Money habits checklist 135Interpreting your score 135The checklist 13612 Financial literacy case studies 137Case Study #1. Ruben wants a new mobile phone 137Case Study #2. Violet is saving for an apartment 138Case Study #3. Lucas is trying to pay off debts and borrow less in the future 139Case Study #4. Maria wants to invest in uni and beyond 14013 Answers to exercises and case studies 141Useful sites 155 Details ISBN0947496521 Author John Duston Pages 156 Publisher Edify Limited Year 2018 ISBN-10 0947496521 ISBN-13 9780947496524 Format Paperback Publication Date 2018-05-01 Imprint Edify Limited Subtitle Managing your money: a learning workbook Place of Publication Auckland Country of Publication New Zealand NZ Release Date 2018-05-01 Audience General We've got this At The Nile, if you're looking for it, we've got it. With fast shipping, low prices, friendly service and well over a million items - you're bound to find what you want, at a price you'll love! 30 DAY RETURN POLICY No questions asked, 30 day returns! FREE DELIVERY No matter where you are in the UK, delivery is free. SECURE PAYMENT Peace of mind by paying through PayPal and eBay Buyer Protection TheNile_Item_ID:132307907;
Price: 51.88 GBP
Location: Auckland
End Time: 2024-12-10T03:15:27.000Z
Shipping Cost: 2.91 GBP
Product Images
Item Specifics
Return postage will be paid by: Buyer
Returns Accepted: Returns Accepted
After receiving the item, your buyer should cancel the purchase within: 30 days
Return policy details:
Format: Paperback
ISBN-13: 9780947496524
Author: John Duston
Type: NA
Book Title: Financial Capability
Language: Does not apply
Publication Name: NA
