1

Choices That Affect Income

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1-1

Personal Financial Decisions

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1-2

Career Planning

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2

Income Sources

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2-1

Earned Income and Benefits

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2-2

Unearned Income

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2-3

Taxes and Other Deductions

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3

Income and Purchasing Power

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3-1

Inflation and Prices

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3-2

Price and Demand

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3-3

Selling and Buying Strategies

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4

Financial Decisions and Planning

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4-1

Resources and Choices

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4-2

Budgeting

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4-3

Personal Financial Planning

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5

Banking Procedures

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5-1

Checking Accounts

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5-2

Savings Accounts

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5-3

The Federal Reserve System

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6

Personal Risk Management

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6-1

Risk Assessment and Strategies

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6-2

Income Protection

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6-3

Property Protection

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7

Buying Decisions

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7-1

Buying Plans

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7-2

Sources and Benefits of Credit

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7.3

Costs of Credit

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8

Paying for Credit

8.1

Payment Methods

8.2

Consumer Loans

8.3

Credit Tips

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9

Credit Problems and Laws

9.1

Resolving Credit Problems

9.2

Bankruptcy

9.3

Consumer Protection and Laws

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10

Understanding Saving and Investing

10.1

Reasons for Saving and Investing

10.2

Saving and Investing Principles

10.4

Saving and Investing Strategies

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11

Savings and Investing Options

11.1

Low-Risk Investment Options

11.2

Medium-Risk Investment Options

11.3

High-Risk Investment Options

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12

Buying and Selling Investments

12.1

Researching Investments

12.2

Buying and Selling Securities