Summary:, vii, 
Introduction:, ix, 
1: The Need For Literacy In The African-American Community, 1, 
2: What Is Your Financial Psychology?, 7, 
3: The Need To Budget, 17, 
4: Are You Saving?, 25, 
5: Why African-Americans Must Invest, 35, 
About The Author:, 49,

CHAPTER 1

THE NEED FOR LITERACY IN THE AFRICAN-AMERICAN COMMUNITY

Financial illiteracy can lead to under-achievement and economical deficiency. That is why there is such an important need in society for literacy to be at the forefront of education, especially in the African-American communities. A vast amount of income is passed through African-Americans hands on a yearly basis. However, this money can be put to better use if the people are more financially astute. Minority communities do struggle when it comes to implementing financial strategies. Simply because they may be illiterate about the benefits of the correct procedures concerning financial planning. Consequentially, without financial literacy being established and taught correctly to the community it will only end in financial failure amongst its peers. Financial literacy to a person is being able to possess the skills and knowledge that allows that individual to make informed and effective decisions with all of their financial resources. We, as a minority community must raise interest in personal and business finance to ensure our peers can prosper. We must understand the basic concepts before moving on to more advanced financial systems. It is a fact that people who have learned the appropriate literacy are then capable of making better financial decisions and they manage their finances much better than those who unfortunately have had no such training. It is my opinion that we should campaign for a for a financial literacy education that is more oriented and broader in focus. The African-American community should be offered a curriculum that helps each individual, no matter of their schooling, to better understand financial factors and the risks in not having sound financial judgement.

The Organization for Economic Co-operation and Development started an international governmental project with the initiative and objective of providing ways to improve financial education and literacy standards. But unfortunately many individuals within African-American communities are still not receiving this exposure to help educate them. This may be due to personal circumstances including their family life, school life or even gang life. Yet we must try to persist and educate the people until everyone is capable of financial prosperity. We must offer a wealth of information to the country as a whole and be confident that financial training is available to all.

Measures have been put in place to support further financial literacy education and many organizations have empowered the literacy movement. They may differ somewhat on their definitions of financial literacy but the President's Advisory Council on Financial Literacy has called for a consistent definition of financial literacy by which all financial education programs can be judged. It is now defined as 'the ability to use the knowledge and skills to successfully manage financial resources effectively for a lifetime of financial well-being'. However the Council for Economic Education in the United States found that out of 44 states that currently have K-12 personal finance education and its guidelines in place, only 17 states actually require high school students to enrol on a course in personal finance. This may be the reason why so many people are failing with their personal finances. Or maybe it is because students, especially in the minority communities are dependent upon the initiative of their local schooling board and its awareness to employ the proper financial learning facilities to the student.

The current approach therefore may be lacking in its ability to inform the students and the educators are performing their duties from a deficit perspective. Hence, the educator is seen as the expert providing the knowledge to a passive student who may not realize the true benefits of what is being taught. For that reason the student can lack interest. We must find a way to change this mentality and recommend an approach that would incorporate a transformative learning framework with its basic fundamentals as per the National Endowment for Financial Educations model. Which is the framework that is most established with adults who fully understand the benefits of financial education. Within that framework, students have embarked through the correct psycho-cultural process of acquiring new and revised interpretations of financial beliefs, attitudes and perspectives that help to shape their financial behavior. These kinds of alternative approaches can help individuals to examine and re-evaluate their current thoughts and mindset about personal finance. It helps to increase self-awareness and empowers people from all walks of life to establish the benefits of applying long-term positive money habits that can assure greater financial security and personal lifestyle stability. This is certainly so, and that is exactly what we should aim for within the African-American community.

Our aim for the economy should be to learn our diverse communities about the importance of financial literacy and the correct procedures concerned with the management of their personal finances. The procedures should be taught to colored youths as well as Caucasians from an early age such as in high school. Whether that be an expensive private school or a public school, financial education is a must. Because, all should know the true value of money management.

Financial literacy is key to creating and sustaining wealth for the African-American communities in the US. It is a legacy that must be passed down like an inheritance in the family. From an early age we should educate our children about financial literacy and the need to be financially literate in our economy. This will strengthen the African-American community and provide our peers with the possibilities and opportunity to create future wealth.

CHAPTER 2

WHAT IS YOUR FINANCIAL PSYCHOLOGY?

This is the key question individuals must ask themselves because once that question is debated and finally answered, the person will then understand the reasons behind their spending habits and current financial circumstances. The majority of people who suffer with financial problems can be due to the result of their psychology. Factors including, where you were raised, what you were taught in childhood, family attitudes and subconscious beliefs towards spending and saving money can have a huge impact on your mindset and behavior.

The two biggest problems concerning financial issues in America are spending too much money and not saving enough for the future. However, in the minority communities this may slightly differ to include a very low-level of income and lower net worth due to lack of education, employment and bad financial behavior from an early age and into adulthood. Which has resulted in not enough funds in the first place to even contemplate saving for a rainy day and/or a higher crime rate in the community due to individuals trying to solve their money problems.

Should the minority blame the government for their financial difficulties?

Should they blame their childhood and their parents?

Or is it the individuals character and personality type that is to blame?

Well, the answer could be yes to both but the blame is substantially down to poor financial psychology. Therefore if the minority can be taught a different psychology from childhood to adulthood it will help to identify money management issues and how they relate to financial problems. This identification will lead to resolving financial matters in the person's favor.

The correct financial psychology procedures will address the issues associated with bad money management. Firstly, one must try to recognize the forces that influence the decision-making process, which can be down to past experiences, etc. Then, one must realize the psychological effects that are connected to loss or gain and the outcome the decision will have, either positively or negatively on your income. With that in place, you can be confident to make the correct decision to suit your needs. Nobody likes to experience loss therefore it is a no-brainer because you were able to apply the right psychological thought processes related to constructive financial management.

It is basically behavioral finance, which is the application of concepts and principles connected to the psychology of the understanding and management of money. How we think and feel about it will have a significant impact on our decisions concerning income. On an individual basis, personal misperceptions about finance and the correct psychology behind it, can have a detrimental effect and profound impact on the individuals life. Surprisingly, money management means different things to different people. To some, good money management means safety and survival. To others, money and the management behind it can mean superiority and power over peers because earning money and managing it better than others is how they rate their self-worth.

Understanding your financial psychology could be extremely beneficial as it can save you a lot of money. There are many different personality types that determine a person's financial psychology. And there are different psychological theories and economic surveys that further explain these types in more depth. However, I have chosen snippets from an article that I read some time ago in the Financial Times to help you to understand the basics and try to determine the fundamental aspects of the question, 'what is your financial psychology'?

• Are you someone who always picks up the bill on a night out? If so, your extreme generosity may not stem from huge wealth, but from status anxiety.

• Do you always check your bank balance or investment portfolio? You may feel like a spreadsheet specialist but in fact, you may be over-compensating for a lack of control elsewhere in your life.

• Maybe you consider yourself as a budgeting champion because you know how to spot a bargain? What if your drive to spend money on things that you don't really need and this could signify loneliness and/or a lack of self-esteem.

The above is a form of financial psychology at work. Factors like that can certainly be overlooked by a financially uneducated individual. But if the individual is offered this kind of education they will understand how they think and act can influence their financial environment. This knowledge will affect how they control their future finances.

Why?

Because the individual now has the superiority to control it instead of being controlled by their usual financial behavior. This will then turn the person to appreciate the importance of good money management and it may lead to rational investments, more savings and those impulsive spending sprees can become a thing of the past. Risky patterns like addictive buying or getting into debt will surely be eradicated if the person can recognize their financial psychology plays the most important part. Because of its underlying issues that trigger problem behavior.

So with that in mind, let us investigate some of the personality traits that psychologists and economists suggest are the most popular in financial psychology.

1. The Anxious Investor; although anxious, this personality trait is a lover of risks. They believe that they have an edge over others. Overconfidence can cloud their judgement leading to failure in markets. This kind of psychology is extremely common among affluent investors.

2. The Hoarder; money represents security for this personality trait. They avoid risks and tend to stockpile cash that they would be better off investing. If a person was raised in a family where money was extremely tight, they may have this type of personality that needs a lot of security and stability.

3. The Social Spender; shopping make this personality happy. Thee individual may frequently buy loved ones presents and blow their budget on occasions like birthdays, etc. This type of frequent spending boosts self-esteem. But it is financial psychology that can cause addictive behavior leading to lack of personal funds. It is the same trait as the 'cash splasher'. They view themselves as generous but flashing the cash is usually to make people think more highly of them.

4. The Financier; Checking the bank balance and tracking all purchases and spending activity is this personality traits forte. It is a kind of financial psychology characteristic that can make an individual become obsessed with comparison sites, credit card points and switching providers to make them feel more in control of their finances, etc. It can be simply down to the desire to control, however this behavior's real trigger could be about anxiety in other parts of their life.

The above is just a short list of the personality traits considered in financial psychology. Albeit, financial psychology is a relatively new field of study, however there are many different personality traits considered by psychologists. All integrate psychology with financial management. It is a different way to look at financial and emotional well-being and to process the beliefs, emotions and behaviors related to money.

Applying the correct financial psychology can lead to more power, freedom and many other things. Therefore an individual must seek to understand their own financial psychology and implement techniques and strategies to help them to change direction if need be. This will positively affect their decision-making capabilities and lead to beneficial financial management in the future. The key to making better choices and decisions about money begins with understanding your own approach to spending, earning, saving and investing. Once that is understood, you can start to develop a positive style of financial management.

CHAPTER 3

THE NEED TO BUDGET

The need to budget is of great importance, especially in the current turbulent economy. Budgeting money will help to create stability and security. It is a systematic approach that will help you to stay on top of your finances and pay the bills, etc. If an individual can manage their money effectively it will certainly contribute to their current lifestyle situation and future wealth and well-being. By understanding where and when money is coming in and where/when it is going out, it will enable a person to have full control over their personal and/or business finances. Good money management is essential to avoid and eradicate debt which may cause serious concerns to the person, like mental health issues and financial disaster. There are so many benefits from budgeting your money and by creating a spending plan it allows you to determine in advance whether you will have enough money to cover your needs and to do the things that you want to do. Budgeting is simply balancing your expenses with your income.

The most common types of budgeting include:

• Personal budget

• Master budget

• Operating budget

• Cash budget

• Static budget

• Flexible budget

• Capital expenditure budget

• Program budget

There are many reasons to why there is a need to budget and some include:

1. It ensures you don't spend money that you shouldn't.

2. It helps you to keep your eye on the target and end goal.

3. It can lead to a happy retirement.

4. It helps to prepare for unexpected emergencies.

5. It sheds light on spending habits.

6. It creates financial awareness.

Maintaining a budget on a regular basis will help you to keep track of personal/business expenses, analyze your income and anticipate all your present and future needs. The five main steps to preparing a budget are:

Step 1: Identify your goals

Step 2: Review what you have, i.e. income

Step 3: Define your costs

Step 4: Create the budget

Step 5: Keep track and stay on top

Creating a budget is a great tool that will help with decision making and this kind of good money management is a means to monitor personal and business performance.

It will help to assess the current situation and to plan effectively to combat any financial difficulties helping towards a profitable outcome for the person or business at hand. Because if you are able to track how much money you have coming in and you know your recurring expenses, then you will find it much easier to live within your means.

Everybody should create a budget plan and monitor their finances.

Although you can live without a budget, if you do, it is like flying blind. Without a budget plan in place, it is difficult to assess what your financial situation really is. A budget provides an individual with the important information that is needed to make positive financial decisions.

(Continues...)

Excerpted from Stop Leaving Money On Table by Jason M. Fields. Copyright © 2018 Jason M. Fields. Excerpted by permission of AuthorHouse.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.

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PBShop.store UK

Fairford, GLOS, Reino Unido

Vendedor de 5 estrellas

Vendedor de IberLibro desde 11 de junio de 1999

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Descripción de la tienda

**Please note our transit times are from the date of dispatch.** We first started out as “The Paperback Exchange,” a chain of physical bookstores where we would part exchange your beloved books for new stories to transport you to faraway places. However, as shopping started to evolve to online shops and marketplaces, we bid our stores goodbye to become “PBShop.” This transition has only allowed us to blossom as we now ship thousands of titles to book lovers across the globe. We pride ourselves in being a community of local book lovers which allows our passion and devotion to shine in everything we do. In 2020 we not only celebrated our 20th birthday but our 1st birthday as being completely employee owned after becoming an E.O.T in September 2019. We are proud to be different and embrace standing apart on a book mountain by working from a virtual inventory which allows us to provide thousands of books that may be difficult to get for your bookshelf or your studies. Working with a number of different suppliers allows us to explore other avenues such as puzzles, sheet music and even stationery so we really do have something for everyone. Life is about being versatile in all realms of existence. If this is your first purchase with us, or you are a returning customer, we would like to welcome you to the PBShop family, for there is no friend as loyal as a book. We are a company who put our customers at the centre of everything we do as we understand the importance of reading because once you learn to read, you will forever be free. There are a whole lot of things in this world of ours that we are yet to explore, which is why we will forever inspire curious minds.…

Especialidad

Hardbacks, Paperbacks

Información empresarial del vendedor

Pbshop.co.uk

Unit 22 Horcott Industrial Estate, Horcott Road
Fairford, Reino Unido GL7 4BX

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Returns Policy
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If you wish to return, please contact us within 14 days of receiving your order to obtain authorisation.
Returns requested beyond this time will not be authorised.
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Información sobre el derecho de desistimiento

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El derecho de desistimiento no se aplica a lo siguiente:

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Privacidad y seguridad

We are committed to protecting the privacy and security of personal data. This policy tells you how we will collect and use your personal data, and what you should expect in respect of the personal information about you that we have collected.

We are PBShop.co.uk Limited (registered in England & Wales with Company No: 9366362). Our registered office is at Swatton Barn, Badbury, Swindon, SN4 0EU, United Kingdom.

The person with responsibility for our data protection compliance is the Managing Director and they can be contacted via email at help@pbshop.store.

We are the data controller of the personal data that we keep and use, and we are therefore responsible for making sure that our systems, processes and people comply with the relevant data protection laws in respect of that personal data.

We will act in respect of personal data to comply with the six principles of the General Data Protection Regulation (“GDPR”), which are:

Lawfulness, fairness and transparency;
Purpose limitation;
Data minimisation;
Accuracy;
Storage limitation;
Integrity and confidentiality.
You have rights in respect of how your personal data can be processed; these include the right to request:

a copy of your personal data;
that inaccurate data is rectified; and
that your personal data is, in certain circumstances, erased or restricted.
You have the right to complain to the Information Commissioner, which you can do by contacting the Information Commissioner’s Office (ICO) directly. Full contact details, including a helpline number, can be found on the ICO website (www.ico.org.uk). This website also has useful information on your rights and our obligations. However, please raise any concerns or issues with us first so that we may deal with this as quickly as possible for you.

COLLECTION, USE AND DISCLOSURE OF PERSONAL DATA
We collect and process data for the following reasons:

personal data collected and created in relation to our selling books and other items; and
personal data relating to our people (which means those people working for our company, or providing services to us, or potentially working or providing services to us, including employees, consultants, temporary or casual workers and contractors).
All of our people are required to abide by our Privacy Policy when handling personal data, and are provided with appropriate data protection training. Any breach of data protection will be taken seriously, and may result in disciplinary action.

Selling books and other items
COLLECTION:
We will collect personal information which may include names, addresses and other information for our customers. This will be done for the management of the commercial relationship with our customers.

We may collect this personal data from you directly, and also from third parties, including publicly available third party sources. Additional personal data will be collected as it is created by or supplied to us in the course of anything we do for you.

USE:
We will use the personal data in the course of making sales and to comply with requirements that we are required to undertake.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

in performance of a contract (the agreement to sell books and other items); and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be far less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
DISCLOSURE:
We may share personal data with third parties as is necessary in the sale of books and other items, including to third party providers who deliver services to support the operation of our company.

In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. Normally, our retention period for personal data collected for this purpose is a minimum of 6 years after the end of the period that we are selling books and other items.

Our people
COLLECTION:
We will collect names, addresses, contact details, education and employment history, identity and other background checks (which may include appropriate criminal and financial checks and confirmation of the right to work in the UK), marital status and information on next of kin and dependents, financial information (such as bank details and NI numbers), date of birth, gender, a copy of your passport and driving licence, performance information and compensation history, recruitment information (including references), salary, benefits, pension and annual leave information, disciplinary and grievance information, photographs, information about your use of our information and communications systems and CCTV footage or other information obtained through electronic means.

We may collect and use special categories of personal data as required in the carrying out of obligations and exercising specific rights of us or the data subject in the field of employment. This may include information relating to matters such as health, racial origin, religious belief and offences or alleged offences.

Personal data may be collected from you during the selection process (for example via your application form and CV) and during your employment (including holiday forms, expense claims, performance reviews, any disciplinary or grievance processes), or from third parties, including referees, health service providers, background check providers.

USE:
Personal data of our people will be used for HR administration and management, both in respect of the selection of people to work for us (including suitability, eligibility and/or fitness to work), and those who do work for us, to include learning and development, disciplinary and security (of people, offices and data) requirements, providing and liaising with benefits providers, business management and planning (including accounting and auditing), paying you and dealing with tax and NI deductions, assessing and deciding on salary reviews and compensation, conducting performance reviews and managing performance, dealing with legal disputes involving you or others, preventing fraud, monitoring your use of our information and communications systems, ensuring compliance with our policies, and equal opportunities monitoring.

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

In performance of a contract with you; and/or
compliance with a legal obligation; and/or
vital interests of the data subject; and/or
where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.
We may also use your personal data in the following situations, which are likely to be less common:

where we need to protect your interests (or someone else’s interests);
where it is needed in the public interest or for official purposes.
In respect of all disclosures of personal data, we will only share the personal information which is necessary for the particular purpose for which it is provided, or where we have another legitimate interest in doing so, and we will ensure that the personal data is appropriately protected.

In respect of special categories of personal data, we may process this in the following circumstances:

in limited circumstances with your explicit written consent; and/or
where we need to carry out our legal obligations and in line with our policies; and/or
where it is needed in the public interest (such as for equal opportunities monitoring or in relation to our occupational pension scheme), and in line with our policies; and/or
where it is needed to assess your working capacity on health grounds, subject to appropriate confidentiality safeguards.
Less commonly, we may process this type of information where it is needed in relation to legal claims or where it is needed to protect your (or someone else’s) interests and you are not capable of giving your consent, or where you have already made the information public. We may also process such information about our people (or former people) in the course of our legitimate business activities with the appropriate safeguards.

The special categories of personal data may be used in the following ways:

in relation to leaves of absence, to comply with employment and other laws;
in relation to your physical or mental health, or disability status, to ensure your health and safety in the workplace and to assess your fitness to work, to monitor, manage and administer benefits and absences;
in relation to your race, national or ethnic origin, religious, philosophical or moral beliefs, or your sexual life or sexual orientation, to ensure meaningful equal opportunity monitoring and reporting.
DISCLOSURE:
Personal data may be transferred to service providers who support the operation of our business (such as payroll service providers), to other third parties reasonably necessary in the conduct of our business (including insurers, professional advisors, regulators). These third parties may be acting as processor, or controller of personal data in their own right.

RETENTION PERIOD:
We will keep personal data only for as long as is necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting or reporting requirements. We will normally keep personal data of applicants who we do not employ for six months after we receive it.

We will keep personal data of employees throughout your employment and normally for a minimum of six years after your employment ends.

Changes to your personal data
It is very important that the personal information that we hold about you is accurate and current. Please tell us if your personal information changes during your relationship with us.

Data Security
We have put in place measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those of our people and other third parties who have a business need to know. They will only process your personal data on our instructions and where they have agreed to treat the information confidentially and to keep it secure. We have put in place procedures to deal with any suspected data security breach and will notify you and the ICO of a suspected breach where we are legally required to do so.

Where we store your personal data
We principally store data, both electronically and on file, at our office.

Personal data may be transferred outside of the EEA by processors acting on our behalf. For transfers to countries not considered adequate by the EC, we will ensure that personal data is adequately protected, as required by the GDPR. This would include by use of the Standard Contractual Clauses adopted by the EC to protect personal data.

Your rights
Under certain circumstances, you have the right by law to request:

access to your personal data. This enables you to ask to receive a copy of the personal data that we hold about you and to check that we are lawfully processing it.
correction of the personal data that we hold about you.
erasure of your personal data.
object to processing of your personal data where we are relying on our legitimate interest and there is something about your particular situation which makes you want to object to processing on this ground. You also have the right to object where we are processing your personal information for direct marketing purposes.
restriction of processing of your personal data.
transfer of your personal data to another party.
Links from our website
Our website may, from time to time, contain links to and from the websites of third parties that we permit to make such links. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. We recommend that you check these policies before you submit any personal data to these websites.

CHANGES TO THIS PRIVACY POLICY
Any changes we may make to our privacy policy in the future will be posted on our website, so please ensure that you are viewing the correct version.

Please contact us if you have any questions, comments or requests regarding this Privacy Policy.

Last amended May 2021.

Stop Leaving Money on the Table

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Stop Leaving Money On Table

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Contents