Business and Personal Finance, Student Edition

, by Kapoor, Jack R.; Dlabay, Les R.; Hughes, Robert J.; Hoyt, William B.

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ISBN: 9780078614880 | 0078614880
Cover: Hardcover
Copyright: 2/25/2004

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"Business and Personal Finance" is designed to prepare high school students to make wise financial decisions in both personal and business situations. The program helps students realize that they are already making financial decisions, shows them how their decisions affect their future, and allows students see the business applications of finance. High-interest features, an engaging visual program, and easy-to-read content make the program useful for all types of learners.

UNIT 1 PLANNING PERSONAL FINANCES

(116)

Personal Financial Planning

(26)

Decisions and Goals in Personal Finance

(15)

Opportunity Costs and Financial Strategies

(10)

Annual Interest

(1)

The Future Value of a Single Deposit

Academic Connection Language Arts

Careers in Finance Personal Banker

(1)

Common Cents Pay Yourself First

(7)

International Finance Finland

Savvy Saver Financial Tips That Work

Standard & Poor's Case Study

Standard & Poor's Q & A

(2)

What's Your Financial ID? Your Spending Profile

(20)

Your Financial Portfolio Getting Your Own Wheels

(2)

Chapter 1 Assessment

(2)

Financial Aspects of Career Planning

(28)

Decisions in Planning Your Career

(11)

Obtaining Employment and Developing a Career

(16)

Academic Connection Health

(13)

Careers in Finance Cashier

Common Cents Career Center

International Finance Belize

(17)

Savvy Saver Where to Find Money for College

Standard & Poor's Case Study

Standard & Poor's Q & A

(2)

What's Your Financial ID? Find Your Personality Traits

(22)

Your Financial Portfolio Applying for a Job

(2)

Chapter 2 Assessment

(2)

Money Management Strategy

(30)

Organizing Your Personal Financial Records

(7)

Personal Financial Statements

(9)

Net Worth

(4)

Net Cash Flow

(3)

Budgeting to Achieve Your Financial Goals

(13)

Academic Connection Science

Careers in Finance Financial Software Designer

(13)

Common Cents Pay or Save?

International Finance Israel

Savvy Saver Have Fun for Less

Standard & Poor's Case Study

Standard & Poor's Q&A

(2)

What's Your Financial ID? Money Management Quiz

(24)

Your Financial Portfolio What's Your Net Worth?

(2)

Chapter 3 Assessment

(2)

Consumer Purchasing Strategies and Legal Protection

(30)

Consumer Purchasing

(16)

Unit Pricing

101

(4)

Resolving Consumer Complaints

105

(13)

Academic Connection Language Arts

109

(1)

Careers in Finance Retail Sales Associate

110

Common Cents Impulse Buying

102

(5)

International Finance Canada

107

Savvy Saver Shopping for Clothes

(8)

Standard & Poor's Case Study

103

Standard & Poor's Q&A

(8)

What's Your Financial ID? Are You a Smart Shopper?

(16)

Your Financial Portfolio Your Budget

112

(2)

Chapter 4 Assessment

114

(2)

Unit 1 Get a Financial Life! Career Planning and Decision Making

116

(2)

UNIT 2 BANKING AND CREDIT

118

(116)

Banking

120

(32)

Selecting Financial Services and Institutions

121

(12)

Savings Plans and Payment Methods

133

(19)

Interest Compounded Monthly

138

(1)

Rate of Return

139

(3)

Academic Connection Math

142

Careers in Finance Bank Teller

124

(23)

Common Cents Money Toss

147

International Finance Switzerland

141

(2)

Savvy Saver Bank On It---Finding the Best Savings Account

143

Standard & Poor's Case Study

136

Standard & Poor's Q&A

120

(3)

What's Your Financial ID? Basic Banking Quiz

123

(25)

Your Financial Portfolio Comparison Shopping for Banking Services

148

(2)

Chapter 5 Assessment

150

(2)

Consumer Credit

152

(44)

What Is Consumer Credit?

153

(11)

Measuring the Cost of Credit and Obtaining Credit

164

(16)

The Debt Payments-to-Income Ratio

165

(4)

Simple Interest on a Loan

169

(11)

Protecting Your Credit

180

(7)

Managing Your Debts

187

(9)

Academic Connection History

172

Careers in Finance Credit Counselor

162

(29)

Common Cents One Is Enough

191

International Finance Panama

177

(12)

Savvy Saver Develop a Good Credit Rating

189

Standard & Poor's Case Study

170

Standard & Poor's Q&A

152

(4)

What's Your Financial ID? Your Credit IQ

156

(36)

Your Financial Portfolio Credit Cards: Getting the Best Deal

192

(2)

Chapter 6 Assessment

194

(2)

The Finances of Housing

196

(38)

Evaluating Housing Alternatives

197

(6)

Renting Your Residence

203

(7)

The Home Buying Process

210

(24)

Academic Connection Art

218

Careers in Finance Real Estate Agent

201

(22)

Common Cents On Your Own

223

International Finance Egypt

221

Savvy Saver Furnishing Your First Apartment

213

(2)

Standard & Poor's Case Study

215

Standard & Poor's Q&A

196

(3)

What's Your Financial ID? Where Would You Like to Live?

199

(28)

Your Financial Portfolio Renting Versus Buying Your Place of Residence

227

(3)

Chapter 7 Assessment

230

(2)

Unit 2 Get a Financial Life! Home Ownership

232

(2)

UNIT 3 INVESTING YOUR FINANCIAL RESOURCES

234

(142)

The Fundamentals of Investing

236

(34)

Preparing for an Investment Program

237

(14)

Inflation Rate and Investments

246

(1)

A Bond's Market Price When Interest Rates Go Up

247

(1)

A Bond's Market Price When Interest Rates Go Down

247

(4)

An Overview of Investment Alternatives

251

(8)

Reducing Investment Risk and Obtaining Investment Information

259

(11)

Academic Connection Language Arts

262

Careers in Finance Personal Property Appraiser

255

(8)

Common Cents A Dollar a Day

263

International Finance Liechtenstein

243

(10)

Savvy Saver Giving Is Fun Too

253

(3)

Standard & Poor's Case Study

256

Standard & Poor's Q&A

236

(4)

What's Your Financial ID? Are You a Risk Taker?

240

(26)

Your Financial Portfolio Avoiding Future Shock

266

(2)

Chapter 8 Assessment

268

(2)

Stocks

270

(34)

Common Stock and Preferred Stock

271

(7)

Evaluation of a Stock Issue

278

(14)

Current Yield of a Stock Investment

287

(1)

Total Return

288

(1)

Earnings per Share

289

(1)

Price-Earnings Ratio

289

(3)

Buying and Selling Stocks

292

(12)

Academic Connection Economics

298

Careers in Finance Account Executive (Stockbroker)

290

(9)

Common Cents Listen Up

299

International Finance Mexico

280

(17)

Savvy Saver Stock Up---Research Before You Buy Stock

297

Standard & Poor's Case Study

283

Standard & Poor's Q&A

270

(2)

What's Your Financial ID? The Truth About Stocks

272

(28)

Your Financial Portfolio Investing in Stock

300

(2)

Chapter 9 Assessment

302

(2)

Bonds and Mutual Funds

304

(46)

Corporate Bonds

305

(10)

A Bond's Annual Interest

306

(6)

Approximate Market Value of a Bond

312

(3)

Government Bonds and Securities

315

(5)

The Investor's Decision to Buy or Sell Bonds

320

(7)

Current Yield of a Bond Investment

325

(2)

Mutual Funds

327

(9)

Net Asset Value

329

(7)

The Investor's Decision to Buy or Sell Mutual Funds

336

(14)

Academic Connection Math

333

Careers in Finance Certified Financial Planner

330

Common Cents Savings Mind-Set

310

(8)

International Finance Nepal

318

Savvy Saver Save Gasoline---and Money

316

(8)

Standard & Poor's Case Study

324

Standard & Poor's Q&A

304

(5)

What's Your Financial ID? What's Your Investing IQ?

309

(36)

Your Financial Portfolio Evaluating Mutual Funds

345

(3)

Chapter 10 Assessment

348

(2)

Real Estate and Other Investment Alternatives

350

(26)

Investing in Real Estate

351

(11)

Investing in Precious Metals, Gems, and Collectibles

362

(14)

Academic Connection Science

365

Careers in Finance Commercial Property Manager

359

(1)

Common Cents Gift Giving

360

(7)

International Finance South Africa

367

Savvy Saver Wedding Bells with Smaller Bills

355

(1)

Standard & Poor's Case Study

356

Standard & Poor's Q&A

350

(4)

What's Your Financial ID? All That Glitters

354

(16)

Your Financial Portfolio Collecting Treasures

370

(2)

Chapter 11 Assessment

372

(2)

Unit 3 Get a Financial Life! Investment Strategies

374

(2)

UNIT 4 PROTECTING YOUR FINANCES

376

(144)

Planning Your Tax Strategy

378

(32)

The Fundamentals of Income Taxes

379

(11)

Preparing Your Income Tax Return

390

(13)

Tax Assistance and Tax Strategies

403

(7)

Academic Connection Law

382

(6)

Careers in Finance Tax Preparer

388

(17)

Common Cents Layaway Works

405

International Finance France

383

(10)

Savvy Saver Reasons to Join Your Company's 401(k) Plan

393

Standard & Poor's Case Study

392

Standard & Poor's Q&A

378

(2)

What's Your Financial ID? Test Your Tax Facts

380

(26)

Your Financial Portfolio Take It EZ

406

(2)

Chapter 12 Assessment

408

(2)

Home and Motor Vehicle Insurance

410

(32)

Insurance and Risk Management

411

(9)

Principles of Home and Property Insurance

420

(11)

Motor Vehicle Insurance

431

(11)

Academic Connection Language Arts

426

(3)

Careers in Finance Insurance Claims Adjuster

429

Common Cents Student Discounts

425

International Finance Vietnam

424

Savvy Saver Vehicle Insurance Tips

417

(19)

Standard & Poor's Case Study

436

Standard & Poor's Q&A

410

(2)

What's Your Financial ID? Motor Vehicle Insurance Quiz

412

(26)

Your Financial Portfolio Motor Vehicle Insurance---How Much Will It Cost?

438

(2)

Chapter 13 Assessment

440

(2)

Health, Disability, and Life Insurance

442

(34)

Health Insurance and Financial Planning

443

(11)

Private Health Care Plans and Government Health Care Programs

454

(7)

Disability Income Insurance

461

(4)

Life Insurance

465

(11)

Academic Connection Speech

450

(8)

Careers in Finance Insurance Agent

458

Common Cents Fitness Fun

449

International Finance Pitcairn Island

448

(8)

Savvy Saver Kick the Smoking Habit---and Save

456

(14)

Standard & Poor's Case Study

470

Standard & Poor's Q&A

442

(2)

What's Your Financial ID? Insurance Facts and Fiction

444

(28)

Your Financial Portfolio Comparing Life Insurance

472

(2)

Chapter 14 Assessment

474

(2)

Retirement and Estate Planning

476

(44)

The Basics of Retirement Planning

477

(9)

Planning Your Retirement Income

486

(13)

Estate Planning

499

(13)

Taxes and Estate Planning

512

(8)

Academic Connection Technology

489

Careers in Finance Estate Planning Attorney

483

(24)

Common Cents Be a Volunteer

507

International Finance Brazil

491

(4)

Savvy Saver Making the Most of Your Company's 401(k) Plan

495

Standard & Poor's Case Study

494

Standard & Poor's Q&A

476

(2)

What's Your Financial ID? What's Your Personality?

478

(36)

Your Financial Portfolio Saving for Retirement

514

(2)

Chapter 15 Assessment

516

(2)

Unit 4 Get a Financial Life! Planning for Retirement

518

(2)

UNIT 5 INTRODUCTION TO BUSINESS FINANCE

520

(116)

Introduction to Financial Management for Business

522

(24)

A Plan for Business

523

(12)

Financial Management in Business

535

(11)

Academic Connection Language Arts

533

(8)

Careers in Finance Accounting Teacher

541

Common Cents Bag It

537

International Finance Greece

529

(9)

Savvy Saver Avoid Unnecessary Fees

538

Standard & Poor's Case Study

536

Standard & Poor's Q&A

522

(2)

What's Your Financial ID? What's Your Business Personality?

524

(18)

Your Financial Portfolio Planning for Success

542

(2)

Chapter 16 Assessment

544

(2)

Sources of Funding

546

(26)

Analyzing Your Financial Needs

547

(16)

A Home Equity Loan

557

(6)

Additional Sources of Funding

563

(9)

Academic Connection Language Arts

552

Careers in Finance Commercial Loan Officer

550

(1)

Common Cents Paid in Full

551

(5)

International Finance Japan

556

Savvy Saver Credit Cards---Paying with Plastic

555

Standard & Poor's Case Study

553

Standard & Poor's Q&A

546

(3)

What's Your Financial ID? Are You a Go-Getter?

549

(19)

Your Financial Portfolio Tanya's Toys

568

(2)

Chapter 17 Assessment

570

(2)

Financial Accounting

572

(30)

The First Five Steps of the Accounting Cycle

573

(16)

Financial Statements for a Business

589

(13)

Academic Connection Math

591

Careers in Finance Bookkeeper

576

(3)

Common Cents Quantity Counts

579

(15)

International Finance Falkland Islands

594

(3)

Savvy Saver Accounting for Your Money

597

Standard & Poor's Case Study

580

Standard & Poor's Q&A

572

(2)

What's Your Financial ID? Do You Think Logically or Intuitively?

574

(24)

Your Financial Portfolio Income Statements

598

(2)

Chapter 18 Assessment

600

(2)

Managing Payroll and Inventory

602

(34)

Managing Payroll

603

(16)

Gross Earnings and Overtime

607

(3)

FICA Deduction

610

(7)

Unemployment Taxes

617

(2)

Managing Inventory

619

(17)

Average Inventory

628

(1)

Inventory Turnover

628

(1)

Number of Days in Stock

629

Academic Connection Math

605

(1)

Careers in Finance Purchasing Agent

606

(19)

Common Cents Check it Out

625

International Finance Australia

615

(12)

Savvy Saver Eating Out on a Budget

627

Standard & Poor's Case Study

624

Standard & Poor's Q&A

602

(2)

What's Your Financial ID? Stocking Up on Knowledge

604

(26)

Your Financial Portfolio Keeping Track of Inventory

630

(2)

Chapter 19 Assessment

632

(2)

Unit 5 Get a Financial Life! A Business Is Born

634

(2)

UNIT 6 ORGANIZATION AND FINANCIAL PLANNING

636

(86)

Types of Business Ownership

638

(26)

The Sole Proprietorship and the Partnership

639

(12)

The Corporation

651

(13)

Academic Connection Marketing

646

Careers in Finance General Contractor

642

(1)

Common Cents Shop by Phone

643

(13)

International Finance Iceland

656

Savvy Saver What to Ask Your Bank When Opening a Checking Account

644

(4)

Standard & Poor's Case Study

648

Standard & Poor's Q&A

638

(2)

What's Your Financial ID? What Kind of Business Would You Start?

640

(19)

Your Financial Portfolio Setting Up a Partnership

659

(3)

Chapter 20 Assessment

662

(2)

Developing a Financial Plan

664

(32)

Identifying Required Capital

665

(17)

A Financial Plan: Cricket Lane Flowers

682

(14)

Academic Connection Math

684

(7)

Careers in Finance Controller

691

Common Cents Save, Don't Charge

668

(11)

International Finance Qatar

679

(12)

Savvy Saver Shopping for a Used Car

691

Standard & Poor's Case Study

680

Standard & Poor's Q&A

664

(2)

What's Your Financial ID? Are You a Persuader?

666

(26)

Your Financial Portfolio Start with a Plan

692

(2)

Chapter 21 Assessment

694

(2)

Pricing, Costing, and Growth

696

(26)

Merchandise Pricing and Costing

697

(13)

Break-Even Point

707

(3)

Planning for Growth

710

(12)

Target Sales

713

Academic Connection Language Arts

705

Careers in Finance Chief Financial Officer

701

(1)

Common Cents Wash 'n Wear

702

(2)

International Finance India

704

(7)

Savvy Saver Book Bargains

711

Standard & Poor's Case Study

703

Standard & Poor's Q&A

696

(2)

What's Your Financial ID? Creative Thinking

698

(18)

Your Financial Portfolio Business Expansion Is More Than Magic

716

(2)

Chapter 22 Assessment

718

(2)

Unit 6 Get a Financial Life! Business Growth and Decision Making

720

(2)

Appendix: Math Skills Builder

722

(32)

Glossary

754

(12)

Index A

766

(16)

Index B

782

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Business and Personal Finance, Student Edition

Summary

Table of Contents

Supplemental Materials