scenarios and problem sets teach the broad financial concepts of saving, budgeting, investing, managing credit, recognizing risk, and understanding how businesses work. Recommended for Grades 5 and up. About the author: Hal Torrance has worked as a teacher in a variety of settings. In 1997 he began writing articles, books, and testing materials for educational publishers, eventually authoring over two dozen titles. He now publishes his own line of books for the education market.

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