California has long been a national and global leader in developing and maintaining quality higher education options, as well as in providing financial aid and consumer protections for Californians who access that education. However, although California's colleges and the state government do collect, receive, and report a great deal of data, these…

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 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 report discusses public school legal liability in the Acquired Immune Deficiency Syndrome (AIDS) controversy with regard to the right of privacy of AIDS victims who are students and employees and the concern of risk of contagion to other students and employees and the public's right to know what is going on in their schools. Several steps…

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 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…

There are numerous financial planning and money management handbooks, but few focus on the needs of young adults between 16 and 25 years of age. Colleges and some high schools are increasingly offering courses covering money management, but the materials are more "economics-focused" than "real-world" focused. Young people are huge consumers who…

This booklet provides guidance to student-athletes on making the transition to a career in professional athletics. It contains a list of do's and don'ts for students in regard to their collegiate eligibility, along with suggestions on obtaining disability insurance coverage for protection from loss of future earnings. The booklet provides…

The practical use of such concepts as sets, probability and statistics are considered by many to be vital and necessary to our everyday life. This student manual is intended to familiarize students with these concepts and to provide practice using real life examples. It also attempts to illustrate how the insurance industry uses such mathematic…

This instructor guide for a unit on risk management in the PACE (Program for Acquiring Competence in Entrepreneurship) curriculum includes the full text of the student module and lesson plans, instructional suggestions, and other teacher resources. The competencies that are incorporated into this module are at Level 3 of learning--starting and…