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    Financial Intelligence for Youth
    Financial Intelligence for Youth
    Financial Intelligence for Youth
    Ebook108 pages1 hour

    Financial Intelligence for Youth

    By Tiffany Tang

    ()

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    About this ebook

    By applying the knowledge and tools presented in this book, you will learn to manage money wisely and develop good financial habits; and these sound financial habits will in turn become your building blocks for a secure future.

    Given the current rate of savings and debt in the world, this book offers many valuable lessons that desperately need to be learned. Along with easy to follow explanations of personal finance concepts, this book also offers many interesting activities to illustrate sound money-management concepts.

    LanguageEnglish
    PublisherTiffany Tang
    Release dateOct 9, 2012
    ISBN9781301718627
    Financial Intelligence for Youth
    Author

    Tiffany Tang

    Tiffany was a former Financial Controller for INTI Education Group, Malaysia (part of Laureate International Universities, United States of America). Previously, she worked as a Regional Accountant and had been in a regional exposure in few countries such as Singapore, Shanghai, South Korea, India, and Japan. She worked for a few large multinational companies in the industry of retail, bulk logistics, computer hardware, and civil engineering firm. Tiffany has more than 15 years of working experience. She holds a Bachelor (Hons) in Applied Accounting, UK. She is also a member of IFA, UK.

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      Book preview

      Financial Intelligence for Youth - Tiffany Tang

      FINANCIAL INTELLIGENCE FOR YOUTH

      Empowering You To Handle Money Intelligently

      By Tiffany Tang

      Published by Treasure Mind Sdn Bhd at Smashwords

      Copyright © 2012 by Tiffany Tang

      ISBN 9789671148907

      Discovered other titles by Tiffany Tang at Smashwords.com:

      Financial Intelligence for Teens

      Financial Intelligence for Kids

      www.treasuremind.biz

      info@treasuremind.biz

      Dedication

      For my loving husband, George Chua, and my dear son, Jonathan Chua

      About The Author

      Tiffany Tang was a former Financial Controller for INTI Education Group, Malaysia (part of Laureate International Universities, United States of America). Previously, she worked as a Regional Accountant and had been in several countries such as Singapore, China, South Korea, India, and Japan. She’d also worked for a few large multinational companies in the retail, bulk logistics, computer hardware, and civil engineering industries.

      In total, Tiffany has more than 15 years of working experience. She holds an Honours degree in Applied Accounting from Oxford Brookes University, UK and is a member of the Institute of Financial Accountants, UK.

      While she was traveling around the region, she realized that many young people did not learn to manage money wisely and choose to live on ‘easy’ credit.  This is happening all over the world. Tiffany’s vision is for a society in which all children and young people have the skills, knowledge and confidence to manage their money well, now and in the future.

      Foreword

      To The Youth - Why Learn Financial Literacy?

      Consider the following facts:

      Money is the number one cause of divorce in the world.

      Money is among the top reasons people commit suicide.

      Approximately 75% of people live from month to month financially.

      Less than 10% of high school graduates receive any financial education in school.

      One online job service surveyed college students in 2003 and found that 61% of them said they planned to live with their parents after graduation!

      There is a negative correlation between students' scores on financial literacy exams and the number of bankruptcies in the states where they live.

      Less than a third of this generation are saving enough for retirement.

      College students are graduating with soaring credit card debt (not including student loans!) along with their diplomas. Four out of ten college students face 'unmanageable' debt as they finish college and enter the job market.

      These, and many similarly alarming trends are what motivated me to write this book. I want to give you – a young person who is going to enter the job market – the best financial education that you can have.

      By applying the knowledge and tools presented in this book, you will learn to manage money wisely and develop good financial habits; and these sound financial habits will in turn become your building blocks for a secure future. Given the current rate of savings and debt in the world, this book offers many valuable lessons that desperately need to be learned. Along with easy to follow explanations of personal finance concepts, this book also offers many interesting activities to illustrate sound money-management concepts.

      I wish I had this book in my hands when I first entered the job market. It would have put me years ahead of my peers financially and save me many dollars in costly mistakes. You now have a chance to start it right! I invite you to carefully study this book. It will give you a fun and interactive way to learn about all the things you need to know about your money: earning, saving, spending, investing, donating safeguarding, and borrowing. And more importantly, accumulating wealth that’ll last you a lifetime.

      To the parent

      My personal vision is for a society in which all children and young people have the skills, knowledge and confidence to manage their money well, now and in the future. To fulfill this vision, I’m dedicated to supporting parents in giving their children and young people the skills, knowledge and confidence to manage money. This book is the outcome of that vision.

      This book is as much written for parents as for youths. Although this book is written in a youth-friendly style so young people can work independently through it, I encourage you to discuss the material in this book together with your child.

      The need for young people to be able to control of their money and to plan for the future by the time they leave college has never been stronger. Children and young people encounter money earlier and earlier in life, and as a result have to learn to make earning, saving and spending decisions earlier. Crucial decisions have to be taken about consumer credit, cars loans, getting a job or living independently. We owe it to the next generation to invest in their future.

      As a parent, you are in the ideal position to mentor and nurture your children, to help them grow in financial responsibility. Because every young person is unique, every parent needs to find her own

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