Overview1. GROSS PAY. Hourly Pay. Salary. Commission. Other Wage Plans. Average Pay. 2. NET PAY. Deductions from Gross Pay. Federal Taxes. State and Local Taxes. Employee Benefits and Job Expenses. Take-Home Pay. 3. BANKING. Savings Accounts. Checking Accounts. Electronic Banking. Check Register reconciliation. Money Markets and CD Accounts. Annuities. 4. CREDIT CARDS. Credit Card Costs. Credit Card Finance Charges. Average Daily Balance Method. Cash Advances. Debit Cards. Debt Management. 5. LOANS. Promissory Notes. Calculating Interest. Installment Loans. Early Loan Repayment. Annual Percentage Rates. 6. OWN A HOME OR A CAR. Borrowing to Buy a Home. Renting or Owning a Home. Property Tax. Property Insurance. Buying a Car. Car Purchases and Leases. Deprecating a Car. Cost of Owning a Car. 7. INSURANCE AND INVESTMENTS. Life Insurance. Health Insurance. Other Types of Insurance. Bonds. Bonds Interest. Stocks. Mutual Funds. Real Estate. Retirement Investments. 8. BUDGETS. Average Monthly Expenses. Creating a Budget. Optional Personal Expenses. Best Buys. Adjusting a Budget. Economic Statistics. 9. SALES AND MARKETING. Cash Sales and Sales on Account. Cash and Trade Discounts. Series Trade Discounts. Markup and Markdown. Marketing Surveys. Sales Forecasts. Market Share. Advertising Costs. 10. COSTS MANAGEMENT. Manufacturing Costs. Breakeven Point. Depreciation Costs. Shipping Costs. Overhead Costs. Travel Expenses. 11. PEOPLE AND INVENTORY MANAGEMENT. Wage and Salary Increases. Total Costs of Labor. Tracking and Reordering Inventory. Inventory Valuation. Ordering and Carrying Inventory. 12. BUSINESS PROFIT AND LOSS. Preparing Income Statements. Analyzing Income Statements. Partnership Income. Preparing Balance Sheets. Analyzing Balance Sheets. Bankruptcy. 13. INTERNATIONAL BUSINESS. Production, Trade, and Finance. International Time and Temperature. International Measures of Length. International Measures of Area. International Measures of Capacity and Weight.