Stop Leaving Money on the Table
Fields, Jason M.
Verkauft von California Books, Miami, FL, USA
AbeBooks-Verkäufer seit 27. Oktober 2023
Neu - Softcover
Zustand: Neu
Versand innerhalb von USA
Anzahl: Mehr als 20 verfügbar
In den Warenkorb legenVerkauft von California Books, Miami, FL, USA
AbeBooks-Verkäufer seit 27. Oktober 2023
Zustand: Neu
Anzahl: Mehr als 20 verfügbar
In den Warenkorb legenBestandsnummer des Verkäufers I-9781546263289
Summary:, vii,
Introduction:, ix,
1: The Need For Literacy In The African-American Community, 1,
2: What Is Your Financial Psychology?, 7,
3: The Need To Budget, 17,
4: Are You Saving?, 25,
5: Why African-Americans Must Invest, 35,
About The Author:, 49,
THE NEED FOR LITERACY IN THE AFRICAN-AMERICAN COMMUNITY
Financial illiteracy can lead to under-achievement and economical deficiency. That is why there is such an important need in society for literacy to be at the forefront of education, especially in the African-American communities. A vast amount of income is passed through African-Americans hands on a yearly basis. However, this money can be put to better use if the people are more financially astute. Minority communities do struggle when it comes to implementing financial strategies. Simply because they may be illiterate about the benefits of the correct procedures concerning financial planning. Consequentially, without financial literacy being established and taught correctly to the community it will only end in financial failure amongst its peers. Financial literacy to a person is being able to possess the skills and knowledge that allows that individual to make informed and effective decisions with all of their financial resources. We, as a minority community must raise interest in personal and business finance to ensure our peers can prosper. We must understand the basic concepts before moving on to more advanced financial systems. It is a fact that people who have learned the appropriate literacy are then capable of making better financial decisions and they manage their finances much better than those who unfortunately have had no such training. It is my opinion that we should campaign for a for a financial literacy education that is more oriented and broader in focus. The African-American community should be offered a curriculum that helps each individual, no matter of their schooling, to better understand financial factors and the risks in not having sound financial judgement.
The Organization for Economic Co-operation and Development started an international governmental project with the initiative and objective of providing ways to improve financial education and literacy standards. But unfortunately many individuals within African-American communities are still not receiving this exposure to help educate them. This may be due to personal circumstances including their family life, school life or even gang life. Yet we must try to persist and educate the people until everyone is capable of financial prosperity. We must offer a wealth of information to the country as a whole and be confident that financial training is available to all.
Measures have been put in place to support further financial literacy education and many organizations have empowered the literacy movement. They may differ somewhat on their definitions of financial literacy but the President's Advisory Council on Financial Literacy has called for a consistent definition of financial literacy by which all financial education programs can be judged. It is now defined as 'the ability to use the knowledge and skills to successfully manage financial resources effectively for a lifetime of financial well-being'. However the Council for Economic Education in the United States found that out of 44 states that currently have K-12 personal finance education and its guidelines in place, only 17 states actually require high school students to enrol on a course in personal finance. This may be the reason why so many people are failing with their personal finances. Or maybe it is because students, especially in the minority communities are dependent upon the initiative of their local schooling board and its awareness to employ the proper financial learning facilities to the student.
The current approach therefore may be lacking in its ability to inform the students and the educators are performing their duties from a deficit perspective. Hence, the educator is seen as the expert providing the knowledge to a passive student who may not realize the true benefits of what is being taught. For that reason the student can lack interest. We must find a way to change this mentality and recommend an approach that would incorporate a transformative learning framework with its basic fundamentals as per the National Endowment for Financial Educations model. Which is the framework that is most established with adults who fully understand the benefits of financial education. Within that framework, students have embarked through the correct psycho-cultural process of acquiring new and revised interpretations of financial beliefs, attitudes and perspectives that help to shape their financial behavior. These kinds of alternative approaches can help individuals to examine and re-evaluate their current thoughts and mindset about personal finance. It helps to increase self-awareness and empowers people from all walks of life to establish the benefits of applying long-term positive money habits that can assure greater financial security and personal lifestyle stability. This is certainly so, and that is exactly what we should aim for within the African-American community.
Our aim for the economy should be to learn our diverse communities about the importance of financial literacy and the correct procedures concerned with the management of their personal finances. The procedures should be taught to colored youths as well as Caucasians from an early age such as in high school. Whether that be an expensive private school or a public school, financial education is a must. Because, all should know the true value of money management.
Financial literacy is key to creating and sustaining wealth for the African-American communities in the US. It is a legacy that must be passed down like an inheritance in the family. From an early age we should educate our children about financial literacy and the need to be financially literate in our economy. This will strengthen the African-American community and provide our peers with the possibilities and opportunity to create future wealth.
CHAPTER 2WHAT IS YOUR FINANCIAL PSYCHOLOGY?
This is the key question individuals must ask themselves because once that question is debated and finally answered, the person will then understand the reasons behind their spending habits and current financial circumstances. The majority of people who suffer with financial problems can be due to the result of their psychology. Factors including, where you were raised, what you were taught in childhood, family attitudes and subconscious beliefs towards spending and saving money can have a huge impact on your mindset and behavior.
The two biggest problems concerning financial issues in America are spending too much money and not saving enough for the future. However, in the minority communities this may slightly differ to include a very low-level of income and lower net worth due to lack of education, employment and bad financial behavior from an early age and into adulthood. Which has resulted in not enough funds in the first place to even contemplate saving for a rainy day and/or a higher crime rate in the community due to individuals trying to solve their money problems.
Should the minority blame the government for their financial difficulties?
Should they blame their childhood and their parents?
Or is it the individuals...
„Über diesen Titel“ kann sich auf eine andere Ausgabe dieses Titels beziehen.
www.californiabooks.com
Wenn Sie Verbraucher sind, können Sie gemäß den folgenden Bestimmungen vom Vertrag zurücktreten. Verbraucher ist jede natürliche Person, die zu Zwecken handelt, die nicht ihrer kaufmännischen, gewerblichen, künstlerischen oder beruflichen Tätigkeit zugerechnet werden können.
Informationen zum Widerrufsrecht
Gesetzliches Widerrufsrecht
Sie haben das Recht, den Vertrag innerhalb von 14 Tagen ohne Angabe von Gründen zu widerrufen.
Die Widerrufsfrist beträgt 14 Tage ab dem Tag, an dem Sie oder ein von Ihnen benannter Dritter, der nicht der Transporteur ist, die letzte Ware oder den letzten Posten oder das letzte Exemplar in Besitz genommen hat.
Um das Widerrufsrecht auszuüben, füllen Sie auf unserer Website unter „Meine Einkäufe" in „Mein Nutzerkonto" eine eindeutige Erklärung elektronisch aus und senden Sie sie ab. Wir werden Ihnen unverzüglich eine Bestätigung über den Eingang eines solchen Widerrufs auf einem dauerhaften Datenträger (z. B. per E-Mail) übermitteln.
Um die Widerrufsfrist einzuhalten, reicht es aus, dass Sie Ihre Mitteilung über die Ausübung des Widerrufsrechts vor Ablauf der Widerrufsfrist absenden.
Auswirkungen des Widerrufs
Wenn Sie diesen Vertrag widerrufen, erstatten wir Ihnen alle Zahlungen, die wir von Ihnen erhalten haben, einschließlich der Lieferkosten (mit Ausnahme der zusätzlichen Kosten, die entstehen, wenn Sie eine andere Art der Lieferung als die von uns angebotene günstigste Standardlieferung gewählt haben).
Wir können einen Abzug von der Rückerstattung für den Wertverlust der gelieferten Waren vornehmen, wenn der Verlust auf eine unnötige Behandlung durch Sie zurückzuführen ist.
Wir werden die Rückerstattung unverzüglich und nicht später als 14 Tage nach dem Tag vornehmen, an dem wir über Ihre Entscheidung, diesen Vertrag zu widerrufen, informiert wurden.
Für die Rückerstattung verwenden wir dasselbe Zahlungsmittel, das Sie für die ursprüngliche Transaktion verwendet haben, es sei denn, Sie haben ausdrücklich etwas anderes vereinbart; in keinem Fall werden Ihnen aufgrund einer solchen Rückerstattung Gebühren berechnet.
Wir können die Rückzahlung verweigern, bis wir die Waren wieder zurückerhalten haben oder Sie den Nachweis erbracht haben, dass Sie die Waren zurückgesandt haben, je nachdem, was eher eintritt.
Sie müssen die Waren unverzüglich und in jedem Fall spätestens 14 Tage ab dem Tag, an dem Sie uns über den Widerruf dieses Vertrags unterrichten, an California Books, Fort Wayne, Indiana, U.S.A., zurücksenden oder übergeben. Die Frist ist eingehalten, wenn Sie die Ware vor Ablauf der Frist von 14 Tagen zurücksenden. Sie müssen die direkten Kosten der Rücksendung der Waren tragen. Sie haften nur für einen etwaigen Wertverlust der Waren, der auf eine Behandlung zurückzuführen ist, die nicht zur Prüfung der Art, Eigenschaften und Funktionsweise der Waren erforderlich ist.
Ausnahmen vom Widerrufsrecht
Das Widerrufsrecht gilt nicht für:
www.californiabooks.com
| Bestellmenge | 3 bis 7 Werktage | 2 bis 5 Werktage |
|---|---|---|
| Erster Artikel | EUR 0.00 | EUR 10.40 |
Die Versandzeiten werden von den Verkäuferinnen und Verkäufern festgelegt. Sie variieren je nach Versanddienstleister und Standort. Sendungen, die den Zoll passieren, können Verzögerungen unterliegen. Eventuell anfallende Abgaben oder Gebühren sind von der Käuferin bzw. dem Käufer zu tragen. Die Verkäuferin bzw. der Verkäufer kann Sie bezüglich zusätzlicher Versandkosten kontaktieren, um einen möglichen Anstieg der Versandkosten für Ihre Artikel auszugleichen.