Credits and Attributions

Course Credits

Developer
Sally Ann Nance, with the Center for Distance and Independent Study
Editor
Tim Hill
Web Adaptation
Amanda Stafford and Frank Miranti, with multimedia by Jerod Quinn, Amanda Stafford, and Frank Miranti

Image and Multimedia Attributions

Title graphic
The main image of the title graphic is © 2008 JupiterImages Corporation.
Lesson 1:
Figure 1.1 is © iStockphoto/Jasmine Awad.
Figure 1.2 is © iStockphoto/Giovanni Banfi.
Lesson 2:
Figure 2.1 is © iStockphoto/YinYang.
Figure 2.2 is © iStockphoto/Vasko Miokovic.
Figure 2.3 is © iStockphoto/Joan Vicent Cantó Roig.
Figure 2.4 is © iStockphoto/Malcolm Romain.
Lesson 3:
Figure 3.1 is © iStockphoto/Jacob Wackerhausen.
Figure 3.2 is © iStockphoto/M. Eric Honeycutt.
Figure 3.3 is © iStockphoto/Jacob Wackerhausen.
Lesson 4:
Figure 4.1 is © iStockphoto/Alan Gallyer.
Figure 4.2 is © iStockphoto/Stephen Uber.
Lesson 6:
Figure 6.1 is © iStockphoto/Christine Balderas.
Lesson 7:
Figure 7.1 is © iStockphoto/"ilbusca."
Figure 7.2 is © by Dan Smith, and is licensed under the Creative Commons Attribution ShareAlike 2.5 License.
Figure 7.3 is is in the public domain, and is available at the Federal Reserve Web site.
Lesson 8:
Figure 8.1 is © iStockphoto/Christine Balderas.
Lesson 9:
Figure 9.1 is in the public domain because it depicts U.S. currency. Fraudulent use of this image is punishable under applicable counterfeiting laws.
Lesson 10:
Figure 10.1 is © iStockphoto/"viviyan."
Figure 10.2 is © iStockphoto/"KameLeon007."
Figure 10.3 is © iStockphoto/"LyaC."
 
Lesson 11:
Figure 11.1 is © iStockphoto/"lorie160."
Figure 11.2 is © iStockphoto/"PeskyMonkey."
Figure 11.3 is © iStockphoto/"Feverpitched."
Figure 11.4 is © iStockphoto/Sharon Dominick.
Lesson 12:
Figure 12.1 is © iStockphoto/"Talaj."
Figure 12.2 is © iStockphoto/"sjLocke."
Figure 12.3 is © iStockphoto/Carl Durocher.
Lesson 14:
Figure 14.1 is in the public domain because it is a work of the U.S. Coast Guard.
Figure 14.2 is © iStockphoto/Trent Bell.
Lesson 15:
Figure 15.1 is © iStockphoto/"skodonnell."
Figure 15.2 is © iStockphoto/Karen Massier.
Lesson 16:
Figure 16.1 is © iStockphoto/"sjLocke."
Figure 16.2 is © iStockphoto/James Group Studios.
Figure 16.3 is © iStockphoto/"iofoto."
Lesson 17:
Figure 17.1 is © iStockphoto/Gabriel Boone.
Apartment Inventory Activity:
Bedroom image is © iStockphoto/Julie Marshall.
Kitchen image is © iStockphoto/Shaun Lowe.
Bathroom image is © iStockphoto/Shaun Lowe.
Lesson 18:
Figure 18.1 is © iStockphoto/Ken Mellott.
Figure 18.2 is © iStockphoto/"KameLeon007."
Figure 18.3 is © iStockphoto/Ed Bock Photography, Inc.

Acknowledgments

Lesson 1:
The content of the Personal Finance Profile is adapted from an original version published by the Missouri Center for Career Education, part of the Department of Career and Technology Education at the University of Central Missouri.
Lesson 2:
The list of positive character traits that appears in Table 2.2 is from What Do You Stand For? A Kid’s Guide to Building Character by Barbara A. Lewis, Free Spirit Publishing, 1998.
The seven-step process in career planning that appears in Table 2.3 and the lesson commentary is from Succeeding in the World of Work, 6th edition, by Kimbrell and Vineyard, Glencoe McGraw-Hill, 1998, pp. 24–29.
Lesson 6:
Part 2 of the Lesson 6 progress evaluation (Family Budget Forensics), including the expenditures table, is adapted from the Missouri Personal Finance Curriculum, Consumer Scene Investigation 6–Budgeting, pages 61–66, which is available at http://missouricareereducation.org/CDs/PersonalFinance/pf3-csi6.pdf.
Lesson 10:
The Five Personal Finance Risks information is adapted from the book Personal Finance, by Kappor, Dlabay, and Hughes (Glencoe/McGraw Hill, 2007, pages 244–247).
Lesson 11:
Table 11.3, HSH's General Guide to Credit Grades, is © 2007 HSH Associates, used by permission.
Lesson 12:
Table 12.1 is taken from Practical Money Skills for Life — Teacher's Guide, Visa USA, Inc. V1201208-00b, Lesson 8. This and other great personal finance exercises are available from the parent site, www.practicalmoneyskills.com.
Table 12.2 is from Consumer Reports, "Net Threats," Vol. 72, September 2007, pages 30–31.
Lesson 14:
Information on the number of life insurance companies and premiums collected (see "Life Insurance Policies") can be found in Eggland, Dlabay, and Burrow's Introduction to Business, 5th edition, South-Western Publishing, 2004, p.575.
Lesson 18:
The "Buckets of Money" financial planning content is adapted from Raymond J. Lucia's book, Buckets of Money (with Dale Fetherling), Braintrust Publishing, 2002.

All other images, multimedia, and text © University of Missouri. All rights reserved.

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