Melissa Hart – författare

Decisions students make today can affect not only their life now but have an impact on their future. If students make wise financial decisions, life can become a more joyous experience. While there are no guarantees there won’t be hardships ahead, the material in the 14th edition of Personal Finance can provide you with the information needed to weather a pandemic, an unexpected job loss, or the next crisis. Personal Finance was written with one purpose: To provide the information you need to make informed decisions that can literally change your life. This edition is packed with new and updated information and examples to help students plan for the future and achieve financial security. For example, we have revised important topics like taxes, banking services, college loans, health care, investments, and retirement planning. In addition, our new features personal FinTech and digital financial literacy are both designed to help you use technology to improve financial decision-making.

Personal Finance is designed to empower students to make informed decisions that can shape their financial future. The book provides essential knowledge on managing money, from budgeting and saving to investing and retirement planning. It emphasizes practical strategies for navigating challenges such as unexpected financial setbacks, economic crises, and life changes. With a focus on real-world applications, the text equips readers with the tools they need to plan for long-term financial security and make decisions that can improve their quality of life. Through clear explanations and relevant examples, Personal Finance helps students gain the confidence to take control of their financial well-being.

Focus on Personal Finance is a brief, 14-chapter text covering the critical topics in Personal Finance courses. Focus is designed and written to appeal to a range of ages, life situations, and financial literacy levels. The active approach of Focus empowers students to successfully make and execute a plan for their financial future. The text encourages students to understand their current financial situation and goals by putting them in writing for ongoing guidance and refinement throughout their lifetimes. Each section is strategically designed around actionable items tailored to students. The depth of a student’s engagement with the assessments, exercises, and accompanying worksheets directly correlates with the extent to which they uncover insights into their existing financial habits and discern strategies for enhancing them, thereby fostering a pathway to greater financial freedom.

“In a society that often overlooks those with intellectual and developmental disabilities…this book will inspire readers to befriend and champion people with Down syndrome.” – JACQUELINE JODL, Special Olympics InternationalIn this illustrated biography collection, meet over twenty people with Down syndrome who have accomplished amazing things in their lives. Excelling in film, sports, business, photography, and more, these people are changing hearts and minds about their disability. Read about Chris Nikic, the first person with Down syndrome to complete an Ironman Triathlon, and Isabella Springmuhl Tejada, the first designer with Down syndrome invited to showcase her work at London Fashion Week. Learn about the Special Olympics, Best Buddies, and other organizations who support the Down syndrome community. Each of these stories will educate and inspire young readers, both kids with Down syndrome and their family members, friends, classmates, and teammates!Included in this book:AC HeigelAlex BourneAlex LeeAllison FogartyChris NikicChristine LauGeoffrey MikolGrace KeyGrace StrobelIsabella Springmuhdi TejadaJamie BrewerJared KozakJohn CroninJohn TuckerKaren GaffneyKayla McKeonMadison TrevlinMeg OhsadaMichael HoltonNick DoyleRonnie BrownSofia SanchezTommy JessopYulissa ArescurenagaZack GottsagenSpecial OlympicsBest BuddiesNational Down Syndrome SocietyThe Buddy Walk

Torn between the high socioeconomic status of her father and the bohemian lifestyle of her mother, Melissa Hart tells a compelling story of contradiction in this coming-of-age memoir. Set in 1970s Southern California, Gringa is the story of a young girl conflicted by two extremes. On the one hand there's life with her mother, who leaves her father to begin a lesbian relationship, taking Hart and her two siblings along. Hart tells of her mom's new life in a Hispanic neighbourhood of Oxnard, California, and how these new surroundings begin to positively shape Hart herself. At the opposite extreme is her father's white-bread well-to-do security, which is predictable and stable and boring. Hart is made all the more fraught with frustration when a judge rules that being raised by two women is unnatural" and grants her father primary custody. Hart weaves a powerful story of fleeting moments with her mother, of her unfolding adoration of Oxnard's Latino culture, and of the ways in which she's moulded by the polarity of her parents' worldviews. Hart is faced with opposing ideals, caught between what she is supposed" to want and what she actually desires. Gringa offers a touching, reflective look at one girl's struggle with the dichotomies of class, culture, and sexuality.