National Financial Literacy Test (NFLAT) which is the first national level test to measure and improve the level of financial literacy and basic knowledge among students of class VIII, IX and X. This initiative is aimed at encouraging school students to obtain basic financial literacy and also provide the level of financial skills required for taking responsible financial decisions in life. It is one step towards better job prospects also. The Salient features of the book are: • Comprehensive guidelines to the Test are given. • Important topic such as money, budgeting, investment, banking, savings, borrowings, insurance, retirement planning are covered. • Text is in simple language and easy to understand. • Syllabus has been meticulously followed. • Important concepts & definitions are given as Key Notes. • Testing is done by Multiple Choice Questions which have answers & explanations alongside. • Pictures and examples are given to highlight important concepts. We are sure the book will be an important tool in imparting skills which are critical to the holistic development of the students. Book covers:- 1. Money Matters: Smart Goals and Financial Analysis 2. Budgeting: Balancing the Means and the Ends 3. Understanding Insurance and Risk Management 4. Understanding Investments 5. Basics of Banking 6. Introduction to Stocks and Bonds 7. Investments : The wider Spectrum 95-105 8. Beyond Savings : Borrowing 9. Retirement as a Financial Goal Model Test Paper 1 Model Test Paper 2