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Spending habits are formed at an early age, and this book provides young readers with tips on how to become savvy and informed consumers. Chapters explain topics such as sales taxes, how advertising and peer pressure can influence spending, and how sale and return policies differ from store to store. Students will learn how to take control of their spending habits through budgeting, saving, and researching their purchases, all of which will put them on the road to building a healthy relationship with money.

Readers will learn about the common risks that people and their property face. Chapters explore the concept of insurance as a method of risk management and how different types of insurance work. Students will also learn how assessing and managing risk are tools for building financial responsibility.

Many kids have asked their parents for an advance on their allowance; in this book they learn how this is similar to using credit. Further, the text defines how and why adults use credit in the forms of loans, mortgages, or credit cards to meet different financial goals. The responsible use of credit is also explained, including the importance of making timely payments and the consequences of misusing credit. Readers will learn that understanding how credit works is part of learning financial responsibility.

Managing money by establishing and following a budget is a crucial life skill that will help students grow into a lifetime of financial responsibility. Budgets and their usefulness are explained through accessible language. Readers will learn how to prioritize needs and wants and will learn tips for creating, adjusting, and sticking to a budget that will help them reach their financial goals.

Having financial goals is an essential aspect of financial literacy. Readers explore the different types of financial goals people may have from childhood through retirement and discover the roles that saving and investing play in achieving them. Also covered are tips on saving and investing, the risks and rewards of investing, and ways kids can take small steps toward becoming active, informed, lifelong investors.

Earning money is an important first step to developing financial responsibility. Readers will learn how people earn money through jobs or starting businesses as well as how to determine ways they can start to make money right now. In addition, the roles of budgeting and saving in managing one's income once payday has come are also explained.

The online world has opened up dozens of avenues for finding reliable answers to research questions. While the Web provides super-fast access to reliable academic and commercial sources, some of the best resources for research don't appear in Web search results. A great deal of information is contained in subscription and library databases. Students learn about some of the new research techniques and tools that are available for online searching in this compelling and straightforward presentation. Among the topics covered are browser tools and search engine toolbars, browser add-ons, Web mashups, e-mail and text alerts, RSS feeds and readers, Boolean operators, and refining research results

Robots have featured in movies and cartoon shows for a long time, but did you know there is a whole field devoted to studying and designing robots? This book looks at the history of robots, how modern robots work, and the types of jobs they can do for people. Readers will even get a sneak peak at what scientists are working on to further the field.