The purpose of these modules is to provide an introduction to the world of probability and statistics to accelerated mathematics students at the high school level. The materials are centered on the fictional town of Happy Shores, a coastal community which is at risk for hurricanes. Actuaries at an insurance company figure out the risks and…

This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

This booklet provides some practical guidelines for determining total insurance needs, examining options, and comparing costs. It discusses how to fit insurance costs into an overall financial plan, the necessity of adequate liability coverage, and the importance of keeping policies up to date. The next four sections highlight the basic types of…

This module, one of six on teaching consumer matters to low-income groups, focuses on buying insurance. Topics include life insurance (language, types, settlement options), auto insurance, health insurance (standard, health maintenance organizations, medicaid, medicare), tenant's insurance (property damage, liability), what to do in case of loss,…

This kit contains a teaching guide with objectives, answers, and instructions for each activity and spirit masters color coded to correspond with the appropriate chapter in the teaching guide. Five program segments are presented: (1) introduction to insurance; (2) homeowners/renters insurance; (3) automobile and motorcycle insurance; (4) health…

This textbook is designed for common schools, normal schools, high schools, academies, and other schools. Among the topics covered are: arithmetical language, fundamental operations, prime numbers, fractions, practical measurements, percentages, ratios, and mensuration. A section providing miscellaneous problems is also included. Appendices…

This guide contains both teacher and student materials for a one-semester course in consumer education to be presented as part of an 11th or 12th grade or an adult vocational home economics program. The book is organized into six sections containing 15 units of instruction. The sections cover the following topics: management (of time, money,…

This chapter of "Principles of School Business Management" presents an overview of risk management for school districts. The chapter first discusses four fundamental elements of risk management: (1) identifying and measuring risks; (2) reducing or eliminating risks; (3) transferring unassumable risks; and (4) assuming remaining risks.…

This booklet is a simple, practical guide for managing money. It provides advice to help the reader balance expenses with income and get personal finances in order. The booklet takes the reader step by step through the processes involved in setting up a basic financial plan and shows him/her how to tailor it to fit personal needs. It explains how…

This booklet on savings and investment, 1 in a series of 12, covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook shows how to develop a savings and investment program based on present and future needs and goals. Section 1 overviews savings and…

This health education handbook covers the following topics: (1) the consumer and health care; (2) diet and nutrition; (3) additives, supplements, and health foods; (4) prescription drugs; (5) over-the-counter drugs; (6) doctors, hospitals, and surgery; and (7) providing and paying for health care. A teacher's supplement health care unit is…

This booklet gives young people who are just starting out on their own with a small income the information they need to manage their money. The following topics are discussed: how individuals can determine how much money they will have to live on; how to read a pay stub; Social Security and the future; the importance of putting money in the bank…

This document contains both a trainers' guide and a participants' book for a one-day workshop on coping with unemployment. The workshop is planned to enable participants to withstand a period of joblessness with a minimum of personal stress. It includes information about specific unemployment-related problems, methods of stress management,…

This student notebook provides student materials for a program of study made up of a series of community-based activities potentially leading to the start-up of one's own business, while at the same time providing a better understanding of the American economic system of free enterprise. It begins with a glossary. For each of 15 units (1 more unit…

This set of lessons is designed as a home study course to help individuals come to terms with their finances. Lesson 1 explains the following steps in developing a financial action plan: determining priorities, setting financial goals, analyzing cash flow, planning spending, developing spending guidelines, making written spending plans, planning…