Contents and Activities

Use the table of contents and the corresponding practice activities to access chapter related e-flash cards and matching activities. The chapter glossary, checkpoint solutions, and data files are also available below.

Unit 1: Earning Money and Getting Paid

1: Ways to Earn Money

Chapter Glossary
Checkpoint Solutions

Data Files

- 1-1 Researching Wages
- 1-2 Completing a Timecard
- 1-3 Calculating Wages
- 1-4 Calculating Commissions

2: Understanding Your Paycheck

Chapter Glossary
Checkpoint Solutions

Data Files

- 2-1 Completing a W-4
- 2-2 Calculating Federal Income Taxes
- 2-3 Calculating State Income Taxes
- 2-4 Completing a Payroll

3: Income Taxes

Chapter Glossary
Checkpoint Solutions

Data Files

- 3-1 Comparing Tax Return Options
- 3-2 Comparing Tax Return Software
- 3-3 Completing a 1040EZ
- 3-4 Completing a 1040A

Unit 2: Banking, Purchasing, and Budgeting

4: Banking Basics

Chapter Glossary
Checkpoint Solutions

Data Files

- 4-1 Completing an Application for a Bank Account
- 4-2 Filling Out a Deposit Slip
- 4-3 Completing a Check Register
- 4-4 Investigating Bank Accounts

5: Making Purchases

Chapter Glossary
Checkpoint Solutions

Data Files

- 5-1 Calculating Sales Tax
- 5-2 Completing an Online Catalog Form
- 5-3 Calculating Tips
- 5-4 Completing a Rebate Form

6: Budgeting

Chapter Glossary
Checkpoint Solutions

Data Files

- 6-1 Tracking Your Spending
- 6-2 Creating a Budget
- 6-3 Creating a Cash Flow Statement
- 6-4 Creating Circle Graphs

Unit 3: Credit, Debt, and Major Purchases

7: Credit Cards

Chapter Glossary
Checkpoint Solutions

Data Files

- 7-1 Completing a Credit Card Application
- 7-2 Evaluating Your Three C's of Credit
- 7-3 Completing a Credit Report Application
- 7-4 Calculating Finance Charges

8: Loans

Chapter Glossary
Checkpoint Solutions

Data Files

- 8-1 Creating an Amortization Table
- 8-2 Calculating Monthly Loan Payments
- 8-3 Researching Teen Credit
- 8-4 Filling Out a Financial Aid Application

9: Housing

Chapter Glossary
Checkpoint Solutions

Data Files

- 9-1 Using an Online Mortgage Calculator
- 9-2 Estimating Mortgage Payments
- 9-3 Researching an Apartment
- 9-4 Completing an Application for Rental Property

10: Automobiles

Chapter Glossary
Checkpoint Solutions

Data Files

- 10-1 Estimating Annual Gallons of Gas Purchased
- 10-2 Completing an Application for a Car Loan
- 10-3 Researching Car Values
- 10-4 Calculating the Cost of Owning a Car

Unit 4: Building and Protecting Wealth

11: Building Wealth

Chapter Glossary
Checkpoint Solutions

Data Files

- 11-1 Researching Stock Quotes
- 11-2 Purchasing Shares of Common Stock
- 11-3 Calculating Earnings on Stock
- 11-4 Calculating Earnings on Bonds

12: Insurance

Chapter Glossary
Checkpoint Solutions

Data Files

- 12-1 Creating an Inventory of Your Assets
- 12-2 Completing an Application for Life Insurance
- 12-3 Researching Health Insurance

13: Financial Planning

Chapter Glossary
Checkpoint Solutions

Data Files

- 13-1 Calculating Income from an Annuity
- 13-2 Researching Inflation
- 13-3 Writing a Will
- 13-4 Investigating a Roth Account

Financial Literacy Simulation:
Stages of Life Project

Data Files

- Exercise 1G Budget Worksheet
- Exercise 1H Cash Flow Statement
- Exercise 2F Managing a Credit Card
- Exercise 3I Budget Worksheet
- Exercise 3J Cash Flow Statement
- Exercise 4H Budget Worksheet
- Exercise 4I Cash Flow Statement

Student Years Summative Exercises

- Life-Stage Profile Worksheet
- Budget Worksheet
- Cash Flow Statement
- Net Worth Worksheet

Early Career Years Summative Exercises

- Life-Stage Profile Worksheet
- Budget Worksheet
- Cash Flow Statement
- Net Worth Worksheet

Earning Years Summative Exercises

- Life-Stage Profile Worksheet
- Budget Worksheet
- Cash Flow Statement
- Net Worth Worksheet

Retirement Years Summative Exercises

- Life-Stage Profile Worksheet
- Budget Worksheet
- Cash Flow Statement
- Net Worth Worksheet