B. Howard, Cedric: - Dr. Cedric B. Howard is a distinguished educator with nearly three decades of experience in higher education. Renowned for his unwavering commitment to academic excellence and significant contributions to the field, Dr. Howard has earned the admiration of colleagues and students alike. Beyond his academic career, he has successfully managed projects across various industries, leaving a lasting impact on both academic and professional communities. He is a published author of several books, professional articles, and textbook chapters.In the early 2000s, Dr. Howard created a financial education and literacy program to assist students and their families in becoming better financially prepared. The principles and tenets of his literacy program are outlined in this book.Throughout his illustrious career, Dr. Howard has excelled academically and demonstrated exceptional leadership and project management skills across diverse industries. His ability to seamlessly integrate academic theory with practical application has set him apart as a thought leader and innovator.