This book is apart of an empowering series that addresses the ever-growing need to educate middle-upper primary students in financial and consumer literacy. Written in a simple yet direct way it will help your students: understand the differences between satisfying their needs and wants; learn how people should take responsibility for their personal finances, including their debt; realise the effects of marketing and peer pressure and learn smart spending techniques. 'Real world' financial examples are provided and provide opportunities for further thinking and discussion.

Whether you have a little or a lot, money matters. And it makes sense to know about it. The decisions we make about whether to spend or save money today can affect what we can do months and years from now. The Money Sense series explores the important roles that money plays in the global economy and in our everyday lives, and empowers us to make sensible decisions about how to use, manage, and save money. In Consumer Sense, discover how to make the most of your money by being a smart consumer. Learn about: the difference between needs and wants how advertising influences consumers your rights and responsibilities as a consumer how to be a smart shopper What some people mistake for the high cost of living is really the cost of living high. Book jacket.

In a world where ridiculously hyped tomes promising instant financial euphoria for ordinary citizens now vie with counsel on health and sex in every bookstore, old-fashioned common sense still takes the prize. Most of the would-be gurus, not to mention their customers, would hare been better off to read this one first." -From the foreword by Louis Rukeyser Timeless, common sense investment advice from an uncommonly sensible market observer "The small investor frequently inquires whether a particular stock represents a safe speculation. His is a fantastic quest, something like a search for dry water, or still motion." "The success magazines are seemingly developed on the theory that, if everyone works diligently enough, 110 million bank presidencies will open up." ".unless their judgment is extraordinarily discriminating, those who 'get in on the ground floor' are more than likely to end up in the basement." "To succeed fully, an individual must gain control of himself and regulate potential wayward tendencies which exist more or less in all individuals and which, if uncontrolled, lead him astray financially. Before he can obtain economic independence through his own efforts, he must first be master of his own soul.

Help your child to discover and understand the real value of money and how to use it wisely. Great re-usable stickers bring extra fun to every topic and encourage children to look at the pictures carefully, learn from the characters and see how having good money sense is important in their own lives. Parents can use the gold star stickers to praise and encourage their children's good money sense, and the special wipe-clean reward chart to record their successes.

This easy-to-read guide is filled with examples which show how to understand important principles regarding financial security. In addition to explaining how to increase income, net worth, and investments, Briles shares tips on the best ways to plan for children's college, buy a home, and prepare for retirement.

Local Dollars, Local Sense is a guide to creating Community Resilience. Americans' long-term savings in stocks, bonds, mutual funds, pension funds, and life insurance funds total about $30 trillion. But not even 1 percent of these savings touch local small business-even though roughly half the jobs and the output in the private economy come from them. So, how can people increasingly concerned with the poor returns from Wall Street and the devastating impact of global companies on their communities invest in Main Street? In Local Dollars, Local Sense, local economy pioneer Michael Shuman shows investors, including the nearly 99% who are unaccredited, how to put their money into building local businesses and resilient regional economies-and profit in the process. A revolutionary toolbox for social change, written with compelling personal stories, the book delivers the most thorough overview available of local investment options, explains the obstacles, and profiles investors who have paved the way. Shuman demystifies the growing realm of local investment choices-from institutional lending to investment clubs and networks, local investment funds, community ownership, direct public offerings, local stock exchanges, crowdfunding, and more. He also guides readers through the lucrative opportunities to invest locally in their homes, energy efficiency, and themselves. A rich resource for both investors and the entrepreneurs they want to support, Local Dollars, Local Sense eloquently shows how to truly protect your financial future--and your community's.

Tells how to answer children's questions about money, financial planning, education, and budgets, and discusses allowances.