Financial Intelligence for Teens
By Tiffany Tang
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About this ebook
Very soon your child will be going to college or university. Not knowing good money management skills will cause them to be at risk of excessive spending and debt. Financial literacy is the most important skill that your child will ever acquire.
The knowledge and interactive tools in this book will help them to understand their finances better, and learn to set dreams and goals to achieve financial independence before they start work.
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 Teens - Tiffany Tang
FINANCIAL INTELLIGENCE
FOR TEENS
Empowering You To Handle Money Intelligently
By Tiffany Tang
Published by Treasure Mind Sdn Bhd at Smashwords.com
Copyright © 2012 by Tiffany Tang
ISBN 9781301274437
Cover, Design & Illustration: Malgorzata Godziuk
Discovered other titles by Tiffany Tang at Smashwords.com:
Financial Intelligence for Youth
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
Money and finances is one of those subjects not to be missed in your personal life journey. What you learn from these pages will be the things that you will use every day if you want to be successful.
School is supposed to be all about learning to be successful, but it misses the most important lesson: good money management skills. Some really intelligent people who did really well in school have graduated and gone out and failed in life because they didn’t know how to manage their money. Don’t make the same mistake. Take charge of your future by learning about money and finances today.
What Can Money Do For You?
Most people don’t usually have any trouble thinking about what they are going to do with money once they get some. The simple answer is they are going to spend it. Chances are, you’ve already got a list of things that you want to have or do that costs money, anything from buying the latest smartphone to going to concerts, movies, and other forms of entertainment with your friends. Or, you like to spend money on fashion. Maybe you dream of taking a vacation or many vacations.
Yes, you are already quite familiar with that part of what money can do for you – it buys you the things that you want. However, if that’s the only thing that you ever learn about money, then the sad news is that you are going to have less and less money to spend as time goes on in your life—unless you learn solid lessons that only a good financial education can provide.
Only by learning these things will you be able to have the lifestyle you want and be able to help others by donating money to the less fortunate.
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 fulfil 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 teens. Although this book is written in a teen-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 knowledge and tools presented in this book will lay a very solid groundwork for your child’s financial independence before they start work.
To your prosperity and happiness,
Tiffany Tang
http://tiffanytang.net
Table of Contents
Chapter 1: What Is Money? What Its Origin?
Chapter 2: Why People Get Into Financial Trouble?
Building Your Financial Foundation
Chapter 3: Dream and Goals
Chapter 4: Learn To Save
Types Of Savings (Funds)
How Interest Works?
Inflation
Chapter