Today's young people face an economic world that demands more so-phisticated skills than ever before. Compared with previous generations, they have easier access to credit, greater personal responsibility for managing retirement investments, and a wider variety of banking options. Computer technologies offer opportunities their grandparents couldn't have imagined, but the opportunities introduce new risks, including hightech scams, loss of privacy, and identify theft. The stakes are high, but according to surveys of financial literacy, students may not be ready for the challenge. Omnigraphics' Teen Finance Series was developed to help students understand basic economic principles and learn how these principles apply to their own financial circumstances. Each volume presents a topic selected to help middle school and high school students and their parents develop the foundations necessary for making fiscal decisions, both now and in the future.