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.

For most of us, we have very little time for brokenness, struggles, and heartaches as we sweep through with an S on our chests, leaping over life's challenges in a single bound. The purpose of this book is to share the good news that we are more than capable of handling all that life throws our way-but first we must reclaim our power, keep our faith, and restore our inner divinity to accept ourselves as the pinnacle of God's creation.

"Divinely Enough" encourages women to
rediscover how to love and appreciate themselves as a divine expression of everything right and beautiful;
understand that we do not have to do anything to earn our divine right to be treated with love and respect; and
refocus on our inner being and reclaim the power we have within ourselves to have more, do more, and know that we deserve all that God has promised.

This book will take the reader on a journey through
stories of women who have gone through trials and struggles and who overcame them by acknowledging their faith and inner strength;
the author's life experiences that moved her from a place of self-degradation to self-appreciation;
self-reflective questions for the reader to examine herself in critical areas including self-esteem, self-acceptance, and self-love; and
supporting biblical references that show God's intention for women through His Word.

For more about the book, go to www.divinelyenough.com

Needed now more than ever: a guide that includes 500 diverse contemporary fiction and memoir recommendations for preteens and teens with the goal of inspiring greater empathy for themselves, their peers, and the world around them. As young people are diagnosed with anxiety and depression in increasing numbers, or dealing with other issues that can isolate them from family and friends-such as bullying, learning disabilities, racism, or homophobia-characters in books can help them feel less alone. And just as important, reading books that feature a diverse range of real-life topics helps generate openness, empathy, and compassion in all kids. Better with Books is a valuable resource for parents, teachers, librarians, therapists, and all caregivers who recognize the power of literature to improve young readers' lives. Each chapter explores a particular issue affecting preteens and teens today and includes a list of recommended related books-all published within the last decade. Recommendations are grouped by age: those appropriate for middle-grade readers and those for teens. Reading lists are organized around: Adoption and foster care Body image Immigration Learning challenges LGBTQIA+ youth Mental health Nature and environmentalism Physical disability Poverty and homelessness Race and ethnicity Religion and spirituality

For most of us, we have very little time for brokenness, struggles, and heartaches as we sweep through with an S on our chests, leaping over life's challenges in a single bound. The purpose of this book is to share the good news that we are more than capable of handling all that life throws our way-but first we must reclaim our power, keep our faith, and restore our inner divinity to accept ourselves as the pinnacle of God's creation.

"Divinely Enough" encourages women to
rediscover how to love and appreciate themselves as a divine expression of everything right and beautiful;
understand that we do not have to do anything to earn our divine right to be treated with love and respect; and
refocus on our inner being and reclaim the power we have within ourselves to have more, do more, and know that we deserve all that God has promised.

This book will take the reader on a journey through
stories of women who have gone through trials and struggles and who overcame them by acknowledging their faith and inner strength;
the author's life experiences that moved her from a place of self-degradation to self-appreciation;
self-reflective questions for the reader to examine herself in critical areas including self-esteem, self-acceptance, and self-love; and
supporting biblical references that show God's intention for women through His Word.

For more about the book, go to www.divinelyenough.com

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.