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TRANSCRIPT
DOCUMENT RESUME
ED 118 757 CE 006 247
TITLE Personal Finance Education Guide.INSTITUTION Oregon State Board of Education, Salem.PUB DATE 72NOTE 84p.
EDRS PRICEDESCRIPTORS
MF-$0.83 HC-$4.67 Plus PostageBusiness Responsibility; *Consumer Economics;*Consumer Education; Consumer Protection; CourseContent; Credit (Finance); *Curriculum Guides;Educational Objectives; Employment; EvaluationMethods; Income; *Learning Activities; MoneyManagement; Purchasing
ABSTRACTThe guide was developed to aid teachers in planning
and developing programs in personal finance education which willprepare students to function as intelligent consumers. Three casestudies illustrating common consumer problems are followed by thebody of the guide, focusing on five major topics and incorporatingeconomic, social, and physical factors needed for developing consumerskills. Employment and Income covers employment opportunities,obtaining a job, meeting responsibilites for job success, financialsecurity and employment, employment organizations, and employmentlaws (Federal and State). Money Management includes financialplanning, banking and record keeping, savings, investments,insurance, and legal documents. Credit discusses availability ofcredit, using credit, sources of credit, kinds of credit, creditcosts, consumer credit laws, credit records, and solving creditproblems. Purchase of Goods and Services includes factors affectingconsumer purchases, the role of advertising, guidelines for shoppers,and retail outlets and services. Rights and Responsibilities in theMarketplace covers the role of the consumer in the economy, rightsand responsibilites of consumers and sellers, fraudulent anddeceptive practices, sources of consumer assistance, and consumerlegislation. For each subtopic program goals, performance indicators,suggested evaluation techniques, taxonomy (program content) , andsuggested learning experiences are provided. A bibliography isincluded. (EC)
************************************************************************ Documents acquired by ERIC include many informal unpublished ** materials not available from other sources. ERIC makes every effort ** to obtain the best copy available. Nevertheless, items of marginal ** reproducibility are often encountered and this affects the quality ** of the microfihe and hardcopy reproductions ERIC makes available ** via the ERIC Document Reproduction Service (EDRS). EDRS is not ** responsible for the quality'of the original document. Reproductions ** supplied by EDRS are the best that can be made from the original. ************************************************************************
/
,
pers
onal
finan
ceed
ucat
ion
guid
e
Sta
te D
epar
tmen
t of E
duca
tion
Dal
e P
arne
llS
uper
inte
nden
t of P
ublic
Inst
ruct
ion
OR
EG
ON
BO
AR
DO
F E
DU
CA
TIO
N94
2 LA
NC
AS
Ter
i Dam
s. N
C.
SA
LEM
. OR
EG
ON
973
10
Fun
ds fo
r P
rintin
g P
rovi
ded
By
Ore
gon
Cre
dit U
nion
Lea
gue
and
its 2
63 A
ffilia
ted
Cre
dit U
nion
s21
2 S
E 1
8th
Ave
nue,
Por
tland
, Ore
gon
9721
4
63 C
opyr
ight
197
2
I
4
d
..
Okm
r000
iom
v
Info
rmed
and
per
sona
lly s
atis
fyin
g us
e of
inco
me
is a
n es
sent
ial
com
pone
nt o
f suc
cess
ful p
erfo
rman
ce in
all
othe
r lif
e ro
lesp
erso
nal,
soci
al a
nd v
ocat
iona
l. T
here
fore
, lea
rnin
g ab
out p
erso
nal f
inan
ce w
illfil
l an
impe
rativ
e ne
ed o
f all
youn
g pe
ople
, and
is a
n im
port
ant
resp
onsi
bilit
y of
our
pub
lic s
choo
ls.
Mos
t sch
ools
hav
e lo
ng in
clud
ed s
ome
inst
ruct
ion
in w
ise
mon
eym
anag
emen
t. T
he p
robl
em is
to a
ssur
e th
e sy
stem
atic
incl
usio
n of
,pe
rson
al fi
nanc
e co
ncep
ts in
all
scho
ol p
rogr
ams
for
all s
tude
nts.
If th
iscr
itica
l nee
d is
to b
e m
et, a
ll st
uden
ts m
ust a
chie
ve c
erta
in c
ompe
tenc
yex
pect
atio
nsin
pers
onal
fina
nce
educ
atio
n pr
ior
to h
igh
scho
olgr
adua
tion.
Alth
ough
man
y ap
proa
ches
may
lead
to th
e ac
com
plis
h-m
ent o
f thi
s go
al,
incl
usio
n of
a r
equi
red
one
cred
it co
urse
, with
iden
tifie
d m
inim
um c
ompe
tenc
y ex
pect
atio
ns, w
ould
pro
vide
the
best
assu
ranc
e of
suc
cess
.
Pla
nner
s sh
ould
rec
ogni
ze th
atal
l sub
ject
are
as c
an m
ake
uniq
ueco
ntrib
utio
ns to
the
plan
ning
and
impl
emen
tatio
n of
pro
gram
s w
ithin
scho
ols.
The
sub
ject
of p
erso
nal f
inan
ce r
elat
es d
irect
ly to
soc
ial
stud
ies,
bus
ines
s, h
ome
econ
omic
s, a
nd m
athe
mat
ics,
to n
ame
a fe
w.
Oth
er s
ubje
ct a
reas
sho
uld
beco
me
invo
lved
; for
exa
mpl
e, m
usic
, art
,an
d ph
ysic
al e
duca
tion
prog
ram
s ca
n pr
ovid
e le
arni
ng e
xper
ienc
esw
hich
will
ena
ble
stud
ents
to m
eet f
utur
e ne
eds
for
leis
ure
time
activ
ities
with
ade
quat
e fin
anci
al p
lann
ing.
Thi
s gu
ide
shou
ld h
elp
dist
ricts
to d
evel
op s
yste
mat
ic p
rogr
ams
for
pers
onal
fina
nce
inst
ruct
ion.
Pro
gram
goa
ls, p
erfo
rman
ce in
dica
tors
,su
gges
ted
lear
ning
exp
erie
nces
and
eva
luat
ion
tech
niqu
es h
ave
been
clos
ely
corr
elat
ed w
ith th
e ta
xono
my,
or
prog
ram
con
tent
. In
addi
tion,
perf
orm
ance
indi
cato
rs c
onsi
dere
d as
min
imum
req
uire
men
ts fo
r hi
ghsc
hool
grad
uatio
nar
e pr
inte
din
italic
s.D
eter
min
atio
n of
thes
ere
quire
men
ts w
as m
ade
by c
onse
nsus
of t
eam
s of
teac
hers
, stu
dent
s,pa
rent
s, a
nd th
e bu
sine
ss c
omm
unity
invo
lved
in p
ilot t
est p
rogr
ams
inel
even
sch
ools
dur
ing
the
1971
-72
scho
ol y
ear.
Alth
ough
this
gui
de is
not
a c
ompr
ehen
sive
cou
rse
outli
ne, i
t doe
sin
clud
e th
'e b
asic
com
pone
nts
for
plan
ning
and
coo
rdin
atio
n. E
xten
sive
use
of c
omm
unity
res
ourc
es a
nd lo
cal a
dvis
ory
com
mitt
ees
is a
dvis
edbe
caus
e st
uden
ts n
eed
expo
sure
to a
ctua
l con
sum
er p
robl
ems
thro
ugh
com
mun
ity in
volv
emen
t.
Man
y m
embe
rs o
f the
Ore
gon
busi
ness
com
mun
ity a
nd m
any
Ore
gon
scho
ols
and
educ
ator
s w
orke
d w
ith M
rs. M
aria
n K
ienz
le a
nd M
iss
Pau
line
Goo
dwin
of t
he S
tate
Dep
artm
ent o
f Edu
catio
n to
dev
elop
the
Per
sona
l Fin
ance
Cur
ricul
um G
uide
. The
ir w
illin
gnes
s to
con
trib
ute
JP"
both
exp
ertis
e an
d pu
blic
atio
n fu
nds
is a
n in
dica
tion
of a
gro
win
gpu
blic
con
cern
abo
ut c
onsu
mer
edu
catio
n.
Dal
e P
arne
llS
uper
inte
nden
tP
ublic
Inst
ruct
ion
Gra
tefu
lre
cogn
ition
isgi
ven
toth
eP
erso
nal F
inan
ce A
dvis
ory
Com
mitt
ee m
embe
rs w
ho, s
ince
196
9, h
ave
prov
ided
lead
ersh
ip a
ndin
spira
tion
for
the
deve
lopm
ent a
nd r
evis
ion
of th
is g
uide
. Mem
bers
incl
ude: Ric
hard
Boe
ttche
r, C
hairm
an, S
choo
l Em
ploy
ees
of L
ane
Cou
nty
Cre
dit U
nion
, Eug
ene
Alb
erta
Joh
nsto
n, F
amily
Fin
ance
Spe
cial
ist,
Ore
gon
Sta
te U
ni-
vers
ity E
xten
sion
Ser
vice
, Cor
valli
s
Bob
K e
ady,
Ass
ista
nt S
uper
inte
nden
t, R
oseb
urg
Sch
ool D
istr
ict,
Ros
ebur
g
Hug
h Lo
vell,
Dep
artm
ent o
f Eco
nom
ics,
Por
tland
Sta
te U
nive
rsity
,P
ortla
nd
Mar
vin
May
, Bro
oksS
canl
on, I
nc.,
Ben
d
Will
iam
T. M
cLea
n, S
ocia
l Stu
dies
Dep
artm
ent,
Mar
shfie
ld S
enio
rH
igh
Sch
ool,
Coo
s B
ay
John
Paz
lar,
Ore
gon
Bus
ines
s E
duca
tion
Ass
ocia
tion,
Por
tland
Loy
Pric
kett,
form
erly
Bus
ines
s D
ivis
ion,
Sou
ther
n O
rego
n C
olle
ge,
Ash
land
Gar
land
Rea
d, R
ealto
r, S
alem
Dur
ing
the
initi
alst
ages
of c
urric
ulum
dev
elop
men
t, th
e P
erso
nal
Fin
ance
Adv
isor
y C
omm
ittee
was
ass
iste
d by
two
high
sch
ool s
tude
nts;
Nea
l Wer
ner,
a ju
nior
from
Ros
ebur
g H
igh
Sch
ool,
and
Don
Dou
glas
, ase
nior
from
Wils
on H
igh
Sch
ool i
n P
ortla
nd. M
iss
Col
leen
Rod
asky
, agr
adua
te s
tude
nt a
t Ore
gon
Sta
te U
nive
rsity
, was
em
ploy
ed d
urin
g th
esu
mm
er o
f 197
0 to
res
earc
h co
nten
t, an
d M
rs. S
andr
a M
itche
ll, a
seco
ndar
y te
ache
r, e
dite
d th
e gu
ide
durin
g th
e fo
llow
ing
year
. Mis
sP
aulin
e G
oodw
in, C
onsu
mer
and
Hom
emak
ing
Spe
cial
ist,
and
Jess
eK
auffm
an, B
usin
ess
Edu
catio
n S
peci
alis
t, bo
th r
epre
sent
ativ
es o
f the
Sta
te D
epar
tmen
t of E
duca
tion,
coo
rdin
ated
effo
rts
and
wor
ked
with
the
Per
sona
l Fin
ance
Com
mitt
ee d
urin
g th
e de
velo
pmen
tal p
erio
d.
Spe
cial
rec
ogni
tion
is a
lso
give
n to
the
11 s
choo
ls, 8
6 te
ache
rs a
ndad
min
istr
ator
s, a
nd 6
,227
stu
dent
s w
ho p
artic
ipat
ed in
fiel
d te
stin
g th
isdo
cum
ent d
urin
g th
e 19
71-7
2 sc
hool
yea
r.F
inal
sug
gest
ions
for
revi
sion
wer
e gi
ven
by r
epre
sent
ativ
es o
f the
se 1
1 sc
hool
s an
d fu
rthe
rre
finem
ent a
nd fi
nal e
ditin
g as
sist
ance
was
pro
vide
d by
Mrs
. Ann
ette
Jaco
bson
, hom
emak
ing
teac
her
and
dire
ctor
of t
he G
rant
s P
ass
Con
sum
er E
duca
tion
Pro
ject
, und
er th
e di
rect
ion
of M
aria
n K
ienz
le,
Con
sum
er a
nd P
erso
nal
Fin
ance
Spe
cial
ist,
Sta
te D
epar
tmen
t of
Edu
catio
n.
Of m
ore
impo
rtan
ce, h
owev
er, w
as th
e to
tal c
omm
itmen
t of b
usin
ess
and
com
mun
ity: T
he s
igni
fican
t con
trib
utio
ns o
f num
erou
s pu
blic
,pr
ivat
e, a
nd g
over
nmen
tal a
genc
ies
and
orga
niza
tions
,as
wel
las
indi
vidu
al m
embe
rs o
f the
bus
ines
s w
orld
, hav
e pr
ovid
ed in
sigh
t int
oan
d un
ders
tand
ing
of e
duca
tion'
s ro
le in
the
prep
arat
ion
of y
oung
peop
le fo
r th
eir
resp
onsi
bilit
ies
as c
onsu
mer
s. S
peci
al a
ckno
wle
dgm
ents
are
mad
e to
the
Ore
gon
Cre
dit U
nion
Lea
gue,
who
prin
ted
this
gui
de,
toD
ick
Boe
ttche
r, c
hairm
an o
f the
Per
sona
l Fin
ance
Adv
isor
yC
omm
ittee
, and
to M
rs. E
vely
n G
unte
r, C
urric
ulum
Pub
licat
ions
Spe
cial
ist,
Sta
te D
epar
tmen
t of E
duca
tion,
and
Jam
es C
arne
y, A
ssis
tant
Atto
rney
Gen
eral
, Con
sum
er P
rote
ctio
n D
ivis
ion,
Dep
artm
ent o
fJu
stic
e.
.#
1
For
ewor
diii
Ack
now
ledg
men
tsv
Con
tent
svi
iH
ow T
o U
se T
his
Gui
deix
Cas
e S
tudi
esxi
CO
NC
EP
T 1
EM
PLO
YM
EN
T A
ND
INC
OM
E1
Em
ploy
men
t Opp
ortu
nitie
s2
Obt
aini
ng a
Job
4M
eetin
g R
espo
nsib
ilitie
s fo
r Jo
b S
ucce
ss6
Fin
anci
al S
ecur
ity a
nd E
mpl
oym
ent
8E
mpl
oym
ent O
rgan
izat
ions
10E
mpl
oym
ent L
awsF
eder
al a
nd S
tate
12
CO
NC
EP
T 2
MO
NE
Y M
AN
AG
EM
EN
T15
Fin
anci
al P
lann
ing
16B
anki
ng a
nd R
ecor
d K
eepi
ng18
Sav
ings
20In
vest
men
ts22
Insu
ranc
e24
Lega
l Doc
umen
ts26
CO
NC
EP
T 3
CR
ED
IT29
Ava
ilabi
lity
of C
redi
t30
Usi
ng C
redi
t32
Sou
rces
of C
redi
t34
Kin
ds o
f Cre
dit
36C
redi
t Cos
ts38
Con
sum
er C
redi
t Law
s40
Cre
dit R
ecor
ds42
Sol
ving
Cre
dit P
robl
ems
44
CO
NC
EP
T 4
PU
RC
HA
SE
OF
GO
OD
S A
ND
SE
RV
ICE
S47
Fac
tors
Affe
ctin
g C
onsu
mer
Pur
chas
es48
The
Rol
e of
Adv
ertis
ing
52G
uide
lines
for
Sho
pper
s54
Ret
ail O
utle
ts a
nd S
ervi
ces
58C
ON
CE
PT
5R
IGH
TS
AN
D R
ES
PO
NS
IBIL
ITI E
S IN
TH
E M
AR
KE
TP
LAC
E61
The
Rol
e of
the
Con
sum
er in
the
Eco
nom
y62
Rig
hts
and
Res
pons
ibili
ties
of C
onsu
mer
san
d S
elle
rs64
Fra
udul
ent a
nd D
ecep
tive
Pra
ctic
es66
Sou
rces
of C
onsu
mer
Ass
ista
nce
70C
onsu
mer
Leg
isla
tion
74
Bib
liogr
aphy
79vi
i
(
O t
k
his
guid
e ha
s be
en d
evel
oped
to h
elp
teac
hers
pla
n pr
ogra
ms
whi
chm
eet b
oth
indi
vidu
al a
nd c
omm
on n
eeds
of a
ll st
uden
ts in
per
sona
lfin
ance
edu
catio
n. It
def
ines
the
skill
s an
d kn
owle
dge
nece
ssar
y to
func
tion
as a
nin
telli
gent
con
sum
er in
our
com
plex
and
rap
idly
chan
ging
eco
nom
ic o
rder
.
Tea
cher
s sh
ould
con
side
r th
ose
perf
orm
ance
indi
cato
rs p
rinte
din
ital
ics
as n
eces
sary
ach
ieve
men
ts fo
r al
l stu
dent
s. C
omm
unity
invo
lvem
ent
thro
ugh
advi
sory
com
mitt
ees
shou
ld le
ad to
con
tinuo
usre
asse
ssm
ent o
fth
ese
need
s, h
owev
er. A
s a
tota
l K th
roug
h 12
pro
gram
evo
lves
,te
ache
rs a
tth
e se
cond
ary
leve
l will
pro
babl
y w
ish
to e
xpan
dpe
r-fo
rman
ce r
equi
rem
ents
in o
rder
to k
eep
step
with
soc
ial,
tech
nolo
gica
l,an
d po
litic
al c
hang
e.
The
gui
de h
as b
een
deve
lope
d ar
ound
five
bas
icco
ncep
ts. C
ompr
e-he
nsiv
e da
ta o
n pu
rcha
sing
spe
cific
goo
ds a
nd s
ervi
ces
is d
elib
erat
ely
excl
uded
bec
ause
suc
h m
ater
ials
bec
ome
quic
kly
outd
ated
. Ins
tead
,an
effo
rt h
as b
een
mad
e to
cor
rela
te th
e ec
onom
ic, s
ocia
l,an
d ph
ysic
alfa
ctor
s cr
ucia
l to
deve
lopm
ent o
f con
sum
er s
kills
, kno
wle
dges
and
attit
udes
.
Max
imum
use
fuln
ess
of th
is g
uide
hin
ges
upon
a th
orou
gh u
nder
-st
andi
ng o
f the
org
aniz
atio
n of
the
cont
ent a
nd c
odin
g sy
stem
. Som
elo
gica
l ste
ps s
ugge
sted
to te
ache
rs a
re:
Pre
view
the
intr
oduc
tory
sec
tion.
Sca
n th
e en
tire
taxo
nom
y to
gra
sp th
e co
nten
t sco
pe.
Rev
iew
con
tent
out
line.
Dup
licat
ion
has
been
min
imiz
edth
roug
h cr
ossr
efer
enci
ng.
Rev
iew
per
form
ance
indi
cato
rsto
und
erst
and
grad
uatio
nco
mpe
tenc
y ex
pect
atio
ns.
Use
the
codi
ng s
yste
m to
rel
ate
cont
ent,
perf
orm
ance
indi
-ca
tors
, and
pro
gram
goa
ls.
An
illus
trat
ion
CO
NC
EP
T:
Sub
conc
ept:
Pro
gram
Goa
ls
1.11
Kno
wso
urce
s of
,et
c.
and
expl
anat
ion
of th
e co
ding
sys
tem
follo
ws:
1.E
MP
LOY
ME
NT
AN
D IN
CO
ME
1.1
Em
ploy
men
t Opp
orty
nitie
s
Per
form
ance
Indi
cato
rs
1.11
1 Li
st a
min
imum
of,
etc.
1.11
2
Sug
gest
edE
valu
atio
nT
echn
ique
s
(not
cod
ed)
Tax
onom
yS
ugge
sted
(Pro
gram
Act
iviti
esC
onte
nt)
1.11
1 In
for-
mat
ion
need
ed, e
tc.
1.11
2
(not
cod
ed)
1.Id
entif
ies
the
orde
r of
con
cept
sthe
maj
or id
eas.
1.1
Iden
tifie
s th
e or
der
of s
ubco
ncep
ts.
1.11
Iden
tifie
s th
e or
der
of p
rogr
am g
oals
wha
tev
ery
high
sch
ool
grad
uate
sho
uld
know
.(c
ontin
ued)
ix
1.11
1 Id
entif
ies
the
orde
r of
per
form
ance
indi
cato
rsw
ays
to d
eter
min
ew
heth
er s
tude
nts
have
ach
ieve
d pr
ogra
m g
oals
.
Tea
cher
s w
ill w
ant t
o de
velo
p ad
ditio
nal l
earn
ing
expe
rienc
es a
nd u
sem
any
curr
ent r
esou
rces
to p
rovi
de m
eani
ngfu
l im
plem
enta
tion
ofpe
rson
alfin
ance
edu
catio
n in
the
clas
sroo
m. S
ugge
sted
eva
luat
ion
tech
niqu
es a
re p
rimar
ily o
bjec
tive
in n
atur
e to
allo
w fu
ture
dev
elop
-m
ent o
f a te
stin
g in
stru
men
t for
min
imum
hig
h sc
hool
req
uire
men
ts.
Tea
cher
s ar
e en
cour
aged
to d
evel
op th
eir
own
eval
uatio
n in
stru
men
tsfo
r cl
assr
oom
act
iviti
es.
In o
rder
to p
rovi
de m
eani
ngfu
l ins
truc
tion
for
stud
ents
, tea
cher
s ar
een
cour
aged
to:
Ass
ure
the
brea
dth
of th
e pr
ogra
m b
y in
volv
ing
staf
f in
am
ulti-
disc
iplin
ary
appr
oach
to p
lann
ing
and/
or te
achi
ng w
hen-
ever
pos
sibl
e.
Pro
vide
for
com
mun
ity in
volv
emen
t, in
clud
ing
busi
ness
men
,pa
rent
s, a
nd s
tude
nts.
Bas
e m
uch
clas
sroo
mle
arni
ng o
n cu
rren
t iss
ues
and
the
expl
orat
ory
appr
oach
.U
se te
xts,
film
s, a
nd o
ther
res
ourc
es a
s to
ols
of in
stru
ctio
nra
ther
than
as
ends
in th
emse
lves
.
Use
res
ourc
e pe
rson
s w
hene
ver
poss
ible
to p
rovi
de a
dditi
onal
expe
rtis
e an
d in
form
atio
n in
crit
ical
are
as o
f stu
dy.
Pla
n fo
r co
ntin
uous
stu
dent
par
ticip
atio
n in
and
eva
luat
ion
ofth
e co
urse
.
Est
ablis
h a
syst
em fo
r ke
epin
g up
to d
ate
on c
urre
nt is
sues
and
legi
slat
ion.
Tea
cher
s in
volv
ed in
pilo
t tes
ting
this
gui
de h
ave
indi
cate
d th
at th
e us
eof
cas
e st
udie
s is
par
ticul
arly
effe
ctiv
e. F
or th
is r
easo
n, th
ree
case
stud
ies
have
bee
n in
clud
ed. T
hese
stu
dies
are
des
igne
d to
hel
p te
ache
rsan
d st
uden
ts fo
cus
upon
and
find
sol
utio
ns to
con
sum
er p
robl
ems.
Bec
ause
the
fact
s ar
e re
al (
alth
ough
the
nam
es fi
ctiti
ous)
, the
y ar
ere
leva
nt to
toda
y's
yout
h. T
each
ers
are
enco
urag
ed to
use
them
and
tode
velo
p ot
hers
out
of t
he e
xper
ienc
es o
f the
ir ow
n st
uden
ts.
k,00
rs.'
*.."
`--
dies 'O
a
CA
SE
ST
UD
Y N
O. 1
TH
E F
IRE
AL
AR
M B
UR
N
Mar
y Jo
nes
rece
ived
a c
ard
in th
e m
ail f
rom
her
frie
nd, S
ally
Cla
rk. T
heca
rd w
as p
rinte
d, e
xcep
t for
Sal
ly's
sig
natu
re. I
t sai
d th
at S
ally
had
see
nan
exc
iting
fire
pre
vent
ion
prog
ram
and
wou
ld li
ke M
ary
to h
ave
the
sam
e op
port
unity
. If M
ary
wou
ld lo
ok a
t the
pro
gram
, the
com
pany
wou
ld g
ive
her
$5. A
sho
rt ti
me
late
r, M
ary
rece
ived
a p
hone
cal
l and
was
ask
ed w
heth
er s
he h
ad r
ecei
ved
the
card
from
Sal
ly. S
he w
as to
ldth
at a
com
pany
rep
rese
ntat
ive
wou
ld d
eliv
er th
e pr
omis
ed $
5 ch
eck
that
eve
ning
at s
ix o
'clo
ck. H
e w
ould
als
o gi
ve th
e fa
mily
a fe
w p
oint
ers
on fi
re s
afet
y.
At s
ix o
'clo
ck th
at e
veni
ng M
ary
and
her
husb
and,
Joe
, allo
wed
the
sale
sman
to c
ome
into
'the
ir ho
me.
The
sal
esm
an fi
rst t
alke
d ab
out
nece
ssar
yfir
esa
fety
pre
caut
ions
for
ever
y ho
me
and
how
itis
impo
ssib
le to
mak
e an
y ho
me
firep
roof
. Whi
le h
e ta
lked
, he
show
edill
ustr
atio
n af
ter
illus
trat
ion
of c
harr
ed b
odie
s an
d ot
her
frig
hten
ing
and
gory
pic
ture
s. H
e ev
en s
how
ed a
mov
ie o
f fire
s oc
curr
ing
in th
e ho
me.
Joe
and
Mar
y w
ere
thor
ough
ly fr
ight
ened
.
He
then
dis
clos
ed th
at h
e w
as s
ellin
g fir
e al
arm
s th
at w
ould
giv
e th
efa
mily
eno
ugh
war
ning
to e
scap
e. H
e ex
plai
ned
that
if M
ary
and
Joe
wer
e to
put
a s
prin
kler
sys
tem
in th
eir
hom
e, it
wou
ld c
ost $
20,0
00. I
fth
ey b
uilt
a pe
rman
ent e
lect
rical
war
ning
sys
tem
, it w
ould
cos
t $5,
000.
The
por
tabl
e, s
elf-
cont
aine
d fir
e al
arm
s th
at h
e w
as s
ellin
g co
st o
nly
$400
.
In a
dditi
on, h
e ha
d a
spec
ial o
ffer
for
them
. Mar
y an
d Jo
e m
ight
be
able
to g
et th
e fir
e al
arm
s fo
r no
mon
ey, a
nd m
ight
eve
n m
ake
mon
ey, i
fth
ey w
ould
giv
e th
e sa
lesm
an th
e na
mes
of f
riend
s w
ho m
ight
als
o be
inte
rest
ed in
mak
ing
$5 fo
r w
atch
ing
a de
mon
stra
tion.
If th
eir
frie
nds
wou
ld a
llow
a d
emon
stra
tion
in th
eir
hom
es h
e w
ould
pay
Mar
y an
dJo
e $1
0. T
hus,
if 40
of M
ary
and
Joe'
s fr
iend
s co
nsen
ted
tode
mon
stra
tions
, Mar
y an
d Jo
e w
ould
mak
e $4
00 a
nd r
ecei
ve th
eir
fire
alar
m w
ithou
t cos
t.I f
mor
e th
an 4
0 of
thei
r fr
iend
s al
low
edde
mon
stra
tions
, the
y co
uld
.eve
n m
ake
mon
ey.
In th
e m
eant
ime,
the
sale
sman
con
tinue
d, h
e w
ante
d m
ore
info
rmat
ion.
If M
ary
and
Joe
wou
ld p
leas
e gi
ve h
im s
ome
cred
it in
form
atio
n fo
r hi
sap
plic
atio
n fo
rm, a
nd s
ign
at th
e bo
ttom
, gua
rant
eein
g th
at p
aym
ents
of $
20 a
mon
th w
ould
be
mad
e, th
ey w
ould
hav
e th
is m
atte
r se
ttled
.T
hen
the
sale
sman
han
ded
them
a s
econ
d sh
eet.
At t
he to
p w
as th
ew
ord
"Rec
eipt
." T
he s
ales
man
sai
d, "
My
boss
wan
ts to
kno
w th
at I
amw
orki
ng, s
oI a
sk th
at y
ou s
ign
this
rec
eipt
form
sho
win
g th
at I
have
been
her
e to
nigh
t and
hav
e de
mon
stra
ted
the
fire
equi
pmen
t." T
hefo
rm, b
esid
es s
ayin
g re
ad c
aref
ully
, als
o st
ated
that
no
repr
esen
tatio
nsw
ere
mad
e to
Mar
y an
d Jo
e th
at th
e fir
e al
arm
s w
ere
free
.
Mar
y an
d Jo
e di
d no
t rea
d th
e co
ntra
ct o
r th
e re
ceip
t, pa
rtly
bec
ause
they
Wer
e ex
cite
d ab
out g
ettin
g th
e fir
e al
arm
for
no m
oney
, and
par
tlybe
caus
e th
e sa
lesm
an, n
ot in
wor
ds b
ut in
man
ner,
indi
cate
d th
at if
they
rea
d th
e co
ntra
ct, t
hey
wer
e su
spic
ious
of h
im a
nd it
was
not
impo
rtan
t any
way
. The
sal
esm
an im
med
iate
ly p
ut u
p th
e fir
e al
arm
san
d ad
mon
ishe
d M
ary
and
Joe
to g
et r
ight
to w
ork
findi
ng,n
ames
for
xi
the
com
pany
to u
se.
The
nex
t day
Mar
y an
d Jo
e tu
rned
in 3
0na
mes
to th
e co
mpa
ny. T
hey
wai
ted
and
wai
ted
but t
he c
ompa
ny s
ent t
hem
no c
heck
s to
talin
g S
300.
The
y ca
lled
up th
eir
frie
nds
to fi
ndou
t wha
t had
hap
pene
d. S
udde
nly,
it da
wne
d on
them
that
mos
t of t
heir
frie
nds
had
alre
ady
been
cont
acte
d by
the
sale
sman
, had
not
bee
n in
tere
sted
inha
ving
the
dem
onst
ratio
n, o
r, s
tran
gely
, had
not
qua
lifie
das
per
sons
for
who
mde
mon
stra
tions
cou
ld b
e gi
ven.
Mar
y an
d Jo
e fin
ally
rea
d th
eir
rece
ipt f
orm
. It
stat
ed th
at in
ord
er to
qual
ify fo
r a
dem
onst
ratio
n, a
per
son
mus
t be
betw
een
21an
d 65
yea
rsof
age
, liv
e w
ithin
the
terr
itory
cov
erer
!' by
the
sale
sman
, and
have
acr
edit
ratin
g sa
tisfa
ctor
y to
the
sale
sman
, The
rec
eipt
form
furt
her
stat
ed th
at if
the
sale
sman
mad
r611
goo
d ef
fort
, the
fact
that
he w
etun
able
to g
et a
roun
d to
see
eve
ryon
e- c
ould
not
be
held
aga
inst
him
. In
any
even
t, th
e pa
ymen
ts o
f S20
a m
onth
for
24 m
onth
sw
ere
guar
ante
ed, w
heth
er o
r no
t a d
emon
stra
tion
had
been
giv
en. T
oto
pth
ings
off,
Mar
y an
d Jo
e di
scov
ered
that
a si
mila
r fir
e al
arm
, sto
cked
by
a lo
cal d
epar
tmen
t sto
re, s
old
for
5150
.In
dis
gust
, Mar
y ca
lled
the
sale
sman
and
, cla
imin
g th
at h
e ha
d \
mis
repr
esen
ted
the
prog
ram
, ask
ed h
im to
_com
e an
d ta
ke b
ack
the
fire
*,al
arm
. The
sal
esm
an's
ans
wer
was
, "I'm
sor
ry, i
t's to
o la
te, I
've
alre
ady
"sol
d yo
ur c
ontr
act t
o a
finan
ce c
ompa
ny."
Mar
y ca
lled
the
finan
ceco
mpa
ny a
nd s
aid
she
did
not i
nten
d to
mak
e an
y m
ore
paym
ents
and
wou
ld r
etur
n th
e fir
e al
arm
bec
ause
the
sale
sman
had
not
exp
lain
ed th
epr
ogra
m c
orre
ctly
to h
er. S
he w
as to
ld, "
We
are
not r
espo
nsib
le fo
r th
ere
pres
enta
tions
that
the
fire
alar
m c
ompa
ny m
ade
to y
ou. I
f you
do
not
pay,
we
will
hav
e to
take
you
to c
ourt
"
QU
ES
TIO
NS
Rev
iew
ing
wha
t hap
pene
d:
Wha
t tec
hniq
ues
wer
e us
ed to
gai
n en
tran
ce to
the
Jone
s'ho
me?
t Vas
the
,sal
esm
an lo
okin
g R
if fir
ehaz
ards
or
unin
form
edbu
yers
?
Wha
t tec
hniq
ues
did
the
sale
sman
use
to c
onvi
nce
the
Jone
s'th
at th
ey n
eede
d th
e fir
e pr
even
tion
syst
em?
Wha
t tec
hniq
ues
did
the
sale
sman
use
to im
ply
that
his
prod
uct w
as a
goo
d bu
y an
d ne
eded
?
Why
did
the
Jone
s' s
ign
the
cont
ract
and
rec
eipt
with
out
read
ing
them
?
Wer
e th
ere
any
inte
ntio
nal m
isre
pres
enta
tions
by
the
sale
s-m
an?
If so
, wha
t wer
e th
ey?
How
man
y na
mes
did
Mar
y an
d Jo
e gi
ve th
e co
mpa
ny?
How
muc
h m
oney
reb
ate
did
they
ant
icip
ate?
Wha
t was
the
cash
pric
e of
the
fire
alar
m s
yste
m?
Wha
tw
asth
e to
tal c
ost?
Wha
t was
the
annu
al p
erce
ntag
e ra
te c
harg
ed?
Did
the
finan
ce c
ompa
ny a
ccep
t res
pons
ibili
ty fo
r th
e Jo
nes'
diss
atis
fact
ion?
Dis
cuss
ing
the
impl
icat
ions
:
Why
wer
e th
e sa
lesm
an's
tech
niqu
es a
nd e
xpla
natio
ns s
oef
fect
ive?
How
is it
pos
sibl
e to
inve
stig
ate
com
pani
es th
at s
end
sale
smen
to y
our
hom
e?
Are
ther
e m
any
peop
le w
ho b
ecom
e in
volv
ed in
this
type
of
door
-tod
oor
sale
s co
ntra
ct?
Why
?
Wer
e M
ary
and
Joe
vict
imiz
ed b
y th
eir
igno
ranc
e or
by
the
dece
ptio
ns o
f the
sal
esm
an?
Wha
t tec
hniq
ues
indi
cate
d a
frau
dule
nt o
r de
cept
ive
tran
s-ac
tion?
'
Is ig
nora
nce
on th
e pa
rt o
f the
buy
er e
ver
a re
ason
able
exc
use
for
sign
ing
a co
ntra
ct?
How
muc
h sh
ould
you
rel
y on
per
sona
l frie
nds'
adv
ice
whe
nen
terin
g in
to a
bus
ines
s ag
reem
ent?
Wer
e an
y pr
ovis
ions
of t
he O
rego
n C
onsu
mer
Pro
tect
ion
Act
of 1
971
viol
ated
? If
so, w
hich
?
Wha
t rec
ours
e w
ould
Mar
y an
d Jo
e ha
ve in
this
inst
ance
?
Is th
e fin
ance
com
pany
act
ually
res
pons
ible
for
this
tran
s-ac
tion?
If s
o, to
wha
t deg
ree
and
unde
r w
hich
pro
visi
on o
fla
w?
Wha
t leg
al im
plic
atio
ns w
ould
ref
usal
to p
ay h
ave
had
for
the
Jone
s'?
Is r
efus
ing
to p
ay e
ver
a w
ise
tech
niqu
e to
use
in c
ases
invo
lvin
g di
ssat
isfa
ctio
n? W
hy?
Wer
e th
ere
any
viol
atio
ns o
f the
Tru
th in
-Len
ding
Act
? If
so,
wha
t wer
e th
ey? C
AS
E S
TU
DY
NO
. 2F
OO
D F
OR
TH
OU
GH
T
Mrs
.' A
ce B
row
n, w
ith h
er h
usba
nd a
nd th
ree
child
ren,
cam
e to
the
Con
sum
e C
redi
t Cou
nsel
ing
Ser
vice
abo
ut a
yea
r ag
o. S
he s
eem
edsi
ncer
e in
her
sta
tem
ent t
hat s
he h
ad r
eally
bee
n tr
ying
to m
ake
her
mon
ey s
tret
ch, a
nd a
t firs
t it a
ppea
red
she
was
doi
ng a
goo
d jo
b. T
hen
we
star
ted
to ta
lk a
bout
the
groc
ery
item
s in
her
bud
get.
Whe
n I a
sked
her
how
muc
h sh
e sp
ent f
or g
roce
ries,
she
rep
lied
that
itw
as a
roun
d S
250
a m
onth
. Ife
lt th
is w
as im
poss
ible
for
a fa
mily
of
four
unt
il sh
e pr
oduc
ed th
e% r
ecei
pts
from
the
neig
hbor
hood
gro
cer
tota
ling'
S25
3 fo
r th
e pr
evio
us m
onth
.
As
I tal
ked
with
her
furt
her,
I fo
und
they
wer
e ru
nnin
g to
the
stor
e to
buy
each
mea
l and
wer
e pu
rcha
sing
prim
arily
pre
cook
ed a
nd p
re-
pack
aged
item
s. I
aske
d he
r w
hy s
he d
idn'
t pre
pare
food
her
self
and
she
info
rmed
me
that
she
did
n't k
now
how
. Nei
ther
her
mot
her
nor
her
hom
e ec
onom
ics
teac
her
had
reac
hed
her.
She
kne
w n
othi
ng a
bout
men
u pl
anni
ng o
r co
okin
g. H
er p
aren
ts h
ad a
lway
s liv
ed o
n pr
epar
edfo
ods.
I as
ked
her
if he
r fo
lks
had
cred
it pr
oble
ms,
and
she
sai
d th
at s
heco
uld
neve
r re
call
a tim
e w
hen
bill
colle
ctor
s w
ere
not c
allin
g on
the
phon
e or
kno
ckin
g on
the
door
.
We
help
ed h
er p
lan
a m
enu
for
each
mea
l for
one
wee
k. W
e as
ked
her
togo
to th
e sa
me
stor
e an
d pu
rcha
se o
nly
thos
e ite
ms
nece
ssar
y fo
r th
ese
mea
ls a
nd n
ot to
ent
er th
e st
ore
agai
n fo
r an
ent
ire w
eek.
At t
he e
nd o
f the
wee
k sh
e ca
lled
and
said
she
had
live
d on
one
-hal
f of
her
prev
ious
exp
endi
ture
. I to
ld h
er th
at I
thou
ght s
he c
ould
do
bette
rth
an th
at a
nd s
ugge
sted
she
sec
ure
assi
stan
ce o
n m
enu
plan
ning
and
reci
pes.
At t
he e
nd o
f the
sec
ond
wee
k sh
e ha
d cu
t foo
d co
sts
bytw
o-th
irds.
Afte
r on
e ye
ar s
he w
as a
vera
ging
S10
0 a
mon
th fo
rgr
ocer
ies.
As
a se
quel
to th
is s
tory
, the
cou
nsel
ing
serv
ice
assi
sted
two
of h
ersi
ster
s an
d he
r pa
rent
s. H
er m
othe
r in
dica
ted
that
afte
r he
r da
ught
erre
ceiv
ed c
ouns
elin
g sh
e pu
t her
par
ents
on
a bu
dget
and
taug
ht h
erm
othe
r to
pla
n m
enus
and
to c
ook
and
shop
for
food
.
As
a re
sult
of o
rder
ly li
quid
atio
n of
inde
bted
ness
und
er th
e gu
idan
ce o
fth
e co
unse
ling
serv
ice,
the
pare
nts
have
, for
the
first
tim
e in
thei
r liv
es,
gone
for
six
mon
ths
with
out b
eing
cal
led
or h
arra
ssed
by
colle
ctor
s.
QU
ES
TIO
NS
Rev
iew
ing
wha
t hap
pene
d:
Wha
t age
ncy
was
use
d by
the
Bro
wn
fam
ily to
hel
p re
solv
e its
debt
or p
robl
ems?
Wha
t fac
tors
con
trib
uted
to M
rs. B
row
n's
prob
lem
s w
ithm
anag
ing
the
budg
et?
In w
hat w
ays
did
the
coun
selin
g se
rvic
e he
lp th
e fa
mily
'sfin
anci
al p
light
?W
hat s
hopp
ing
tech
niqu
es a
nd ty
pe o
f pur
chas
es c
ontr
ibut
edto
the
fam
ily's
pro
blem
s w
ith th
e fo
od b
udge
t?
Dis
cuss
ing
the
impl
icat
ions
:
Wha
t fac
tors
con
trib
uted
to th
e hi
gh d
xpen
ditu
re fo
r fo
od fo
rth
e B
row
n's?
Are
ther
e im
plic
atio
ns fo
'r ot
her
fam
ily e
xpen
di-
ture
s?
Wha
t for
ces
prev
ent a
fam
ily fr
om p
repa
ring
and
adhe
ring
toa
budg
et?
Wha
t oth
er s
kills
in m
anag
ing
a ho
me
may
affe
ct th
e m
onet
ary
expe
nditu
res
of th
e fa
mily
?
In w
hat w
ay m
ay la
ck o
f edu
catio
n co
ntrib
ute
to th
eec
onom
ic p
robl
ems
of a
fam
ily o
r in
divi
dual
?
Wha
t are
som
e of
the
sour
ces
of h
elp
for
hous
ewiv
es n
eedi
ngfu
rthe
r ed
ucat
ion
in h
ome
man
agem
ent s
kills
?
Is th
e C
onsu
mer
Cre
dit C
ouns
elin
g S
ervi
ce p
rimar
ily o
rgan
ized
to a
ssis
t fam
ilies
with
food
bud
get p
robl
ems?
If n
ot, w
hat
othe
r se
rvic
es d
oes
it pr
ovid
e?
Is th
e co
unse
ling
serv
ice
used
by
the
Bro
wns
' a n
onpr
ofit
or a
-.co
mm
erci
al o
rgan
izat
ion?
Who
spo
nsor
s an
d su
ppor
ts th
e C
onsu
mer
Cre
dit C
ouns
elin
gA
genc
y? W
hy?
Wha
t im
plic
atio
ns m
ight
this
hav
e on
deb
tor
prob
lem
s?
CA
SE
ST
UD
Y N
O. 3
TA
KE
N F
OR
A R
IDE
Tom
Bre
wst
er, a
rec
ent h
igh
scho
ol g
radu
ate,
foun
d a
job
haul
ing
a rig
for
the
loca
l fac
tory
in R
idge
view
. He
love
d ca
rs a
nd h
ad h
is e
ye o
n a
new
Cru
sade
r. T
om h
ad a
car
that
was
old
, but
got
him
aro
und.
He
knew
his
car
was
wor
th b
etw
een
S20
0 an
d S
500
and
new
Cru
sade
rsw
ere
pric
ed a
t abo
ut S
2,50
0.
Tom
had
bou
ght h
is o
ld c
ar fr
om h
is m
othe
r's b
roth
er a
nd h
ad n
ever
shop
ped
for
a ca
r th
roug
h a
deal
er. H
e ha
d he
ard
from
frie
nds
that
"you
hav
e to
con
the
deal
ers
befo
re th
ey c
on y
ou."
Tom
did
n't k
now
how
muc
h it
cost
to b
orro
w m
oney
. He
did
know
that
he
wan
ted
that
Cru
sade
r, b
ut w
asn'
t lik
ely
to g
et it
on
his
S50
0 sa
lary
.
One
day
we
wal
ked
into
the
car
deal
ersh
ip to
look
aro
und.
Ayo
ung-
look
ing
sale
sman
app
roac
hed
him
and
ask
ed if
he
wou
ld li
ke to
take
the
Cru
sade
r fo
r a
driv
e. T
om ju
mpe
d at
the
chan
ce fo
r an
arou
nd-t
hebl
ock
run.
It w
as th
e m
ost e
xciti
ng m
omen
t of h
is li
fe. E
ven
his
fath
er d
idn'
t hav
e su
ch a
fine
car
.
Whe
n th
e sa
lesm
an s
aid,
"W
ould
n't y
ou li
ke to
driv
e if
off t
he lo
tto
nigh
t?,"
Tom
did
not
wan
t to
crea
te th
e im
pres
sion
that
he
had
was
ted
the
sale
sman
's ti
me,
so
he s
aid
that
if h
e co
uld
get 5
1,00
0 fo
rhi
s ol
d ca
r an
d pa
y S
2,00
0 fo
r th
e C
rusa
der,
he
coul
d w
ork
out
paym
ents
for
the
S1,
000
diffe
renc
e. T
he s
ales
man
; kno
win
g th
at th
tol
d ca
r co
uldn
't be
sol
d at
that
pric
e sa
id, "
Fin
e, w
e'll
visi
t the
bos
s,an
d se
e w
hat h
e sa
ys."
Tom
was
led
to a
littl
e of
fice
in th
e ba
ck o
f the
sho
wro
om. "
Now
,T
om,"
sai
d th
e sa
lesm
an, "
if yo
u ar
e go
ing
to tr
ade
in y
our
old
car,
you'
d be
tter
give
the
keys
to m
e so
that
Ica
n ha
ve o
ur u
sed
car
man
ager
driv
e it
arou
nd th
e bl
ock
and
see
wha
t kin
d of
sha
pe it
's in
."T
om g
ave
the
keys
to th
e sa
lesm
an a
nd s
oon
lear
ned
that
he
wou
ldno
tse
e hi
s ke
ys a
gain
unt
il al
l the
pap
ers
wer
e si
gned
. The
n th
e sa
lesm
ansa
id, "
In o
rder
to m
ake
this
dea
l, yo
u w
ill h
ave
to p
ut d
own
a sm
all
depo
sit."
Tom
was
a li
ttle
hesi
tant
, but
the
sale
sman
rea
ssur
ed h
im.
"Now
, no
mat
ter
wha
t pric
e yo
u pa
y, it
will
cos
t S12
for
licen
se a
ndtit
le tr
ansf
er, s
o if
ycu
will
giv
e m
e a
chec
k fo
r th
at a
mou
nt, t
hat's
all
we
need
. But
, Tom
, we'
d be
tter
put t
his
all d
own
in w
ritin
g so
we'
llkn
ow w
hat t
he te
rms
are.
Jus
t sig
n he
re."
Tom
sig
ned
a sh
eet o
f pap
er w
hich
sta
ted
that
he
agre
ed to
pay
S2,
000
for
the
Cru
sade
r an
d to
acc
ept a
S1,
000
trad
e-in
for
his
car.
No
men
tion
was
mad
e of
mon
thly
pay
men
ts. T
om fe
ared
he
was
in th
ede
al to
o de
ep to
pul
l out
. The
sal
esm
an le
ft th
ero
om w
ith T
om's
key
san
d th
e si
gned
pape
rs, r
etur
ning
pro
mpt
ly w
ith M
r. J
ones
, who
intr
oduc
ed h
imse
lf as
the
assi
stan
t man
ager
.
"Now
, Tom
, you
don
't re
ally
bel
ieve
that
we
can
affo
rdto
giv
e aw
ay
this
Cru
sade
r, d
o yo
u,"
he a
sked
. At t
his
mom
ent,
Tom
sho
uld
have
real
ized
that
he
coul
dn't
mak
e th
e de
al th
at h
e ha
d su
gges
ted,
but
afte
rdr
ivin
g th
e ca
r ar
ound
the
bloc
k he
was
hoo
ked.
"T
om,"
the
man
ager
cont
inue
d, "
you'
ve g
ot a
nic
e ca
r th
ere,
but
it's
not
wor
th $
1,00
0. W
eso
ld o
ne th
e ot
her
day
for
$200
. We'
d lik
e to
giv
e yo
u m
ore,
but
we'
regi
ving
you
suc
h a
good
dea
l on
the
pric
e of
the
Cru
sade
r, th
at w
e ca
n't
affo
rd to
giv
e yo
u an
ythi
ng b
ut a
fair
pric
e fo
r yo
ur c
ar,"
The
man
ager
took
out
a n
ew p
iece
of p
aper
and
wro
te, "
$200
trad
e-in
." H
e th
en a
sked
Tom
how
he
inte
nded
to p
ay fo
r th
e ca
r. T
his
was
the
first
tim
e th
at T
om h
ad e
ver
give
n th
is m
atte
r an
y re
al th
ough
t,so
he
mer
ely
aske
d, "
How
muc
h a
mon
th w
ill it
be?
" T
he s
ales
man
said
, "W
ell,
it w
ill c
ost y
ou S
100
a m
onth
for
30 m
onth
s."
"I c
an't
affo
rd th
at,"
Tom
sai
d. 'W
ell,
I'm s
orry
, but
that
's th
e w
ay it
app
ears
it's
goin
g to
be,
" sa
id th
e sa
les
man
ager
.
Tom
did
n't g
et u
p an
d w
alk
out o
f the
roo
m, b
ecau
se h
e re
ally
wan
ted
to o
wn
that
car
. Bes
ides
they
had
his
car
key
s an
d he
had
sig
ned
for
the
car.
The
man
ager
then
rem
arke
d, "
On
seco
nd th
ough
t, yo
ur o
ld c
arm
ight
be
wor
th a
littl
e m
ore.
Per
haps
we
coul
d lo
wer
the
paym
ent t
o$9
0 fo
r 36
mon
ths.
" T
his
still
sou
nded
hig
h to
Tom
, but
was
bet
ter
than
$10
0 a
mon
th th
at h
ad b
een
sugg
este
d fir
st.
"Of c
ours
e,"
said
the
sale
s m
anag
er, "
you'
ll ne
ed to
buy
insu
ranc
e to
cove
r th
is c
ontr
act.
Tha
t will
be
anot
her
$160
. Fin
ally
, we'
ll ne
edan
othe
r $3
00 a
s do
wn
paym
ent,
incl
udin
g yo
ur tr
ade-
in."
Tom
sai
d,"B
ut I
don'
t hav
e an
y m
oney
res
erve
d,"
The
sal
es m
anag
er s
aid,
"D
on't
wor
ry a
bout
that
, we'
ll ge
t you
a lo
an to
cov
er it
. We'
ll ju
st p
ut it
dow
non
this
con
trac
t as
$300
to b
e pa
id in
a w
eek,
and
we'
ll st
raig
hten
it o
utla
ter.
"
All
the
figur
es w
ere
conf
usin
g to
Tom
, but
now
he
had
his
Cru
sade
r. H
efig
ured
if h
e re
ally
pin
ched
, he
coul
d af
ford
S90
a m
onth
. The
sal
esm
anag
er, h
oldi
ng u
p th
e ke
y to
the
Cru
sade
r, s
aid
"Her
e yo
u ar
e, T
om,
enjo
y yo
urse
lf, C
ome
back
tom
orro
w a
nd w
e'll
wor
k ou
t the
ext
raS
300.
"
Tom
ret
urne
d th
e ne
xt d
ay a
nd th
e sa
lesm
an w
ho h
ad fi
rst m
et h
imsa
id, "
Tom
, you
and
I ne
ed to
mee
t som
e pe
ople
. Let
's g
et in
my
car
and
I'll d
rive
you
over
to s
ee th
em."
The
y dr
ove
to th
e R
idge
view
Loa
nC
ompa
ny. T
he m
an a
t the
cou
nter
gre
eted
the
sale
sman
and
sai
d, "
Isth
is th
e yo
ung
man
that
wan
ts to
bor
row
the
$300
? W
e ca
n lo
an th
e$3
00 fo
r 30
mon
ths
at o
nly
$20
a m
onth
."
Now
Tom
rea
lized
that
the
$300
wou
ld h
ave
to b
e pa
id b
ack
on a
mon
thly
bas
is, t
oo. H
e w
atch
ed th
e m
an fi
ll ou
t the
loan
form
and
put
dow
n th
e in
tere
st r
ate.
The
inte
rest
cha
rge
was
to b
e 36
per
cent
plu
sot
her
adm
inis
trat
ive
cost
s. T
om c
ould
n't b
elie
ve it
. Not
onl
y di
d he
have
pay
men
ts o
f S90
a m
onth
for
36 m
onth
s, b
ut h
e al
so h
adpa
ymen
ts o
f $20
a m
onth
for
30 m
onth
s, H
e di
dn't
know
how
he
coul
daf
ford
$11
0 a
mon
th a
nd w
as m
ad a
t the
hig
h in
tere
st r
ate
he w
as b
eing
char
ged.
He
told
the
sale
sman
, 'T
his
is to
o m
uch,
I ca
n't a
fford
this
car,
I w
ant t
o gi
ve it
bac
k."
The
sal
esm
an r
eplie
d, "
Bre
wst
er, y
ou to
okth
at c
ar la
st n
ight
and
now
it's
dep
reci
ated
in v
alue
. Rem
embe
r th
eco
ntra
ct y
ou s
igne
d? It
sai
d yo
u w
ere
resp
onsi
ble
for
getti
ng fi
nanc
ing.
If yo
u fa
iled,
you
wou
ld fo
rfei
t you
r ol
d ca
r an
d yo
ur d
own
paym
ent.
It's
too
late
. Mr.
Bre
wst
er. T
he b
est w
e ca
n do
is g
ive
you
an a
llow
ance
of $
1,50
0 fo
r th
e C
rusa
der,
and
we
will
als
o ke
ep y
our
old
car.
Inad
ditio
n, y
ou w
ill h
ave
to p
ay u
s an
othe
r S
1,10
0."
Tom
cou
ldn'
t bel
ieve
wha
t he
was
hea
ring.
He
had
trad
ed in
his
old
car
for
$200
. In
addi
tion
he h
ad fi
nanc
ed th
e ad
ditio
nal d
own
paym
ent o
fS
300,
at a
tota
l cos
t of $
600,
and
had
pai
d $2
,000
for
the
car.
He
was
face
d w
ith lo
sing
$1,
100
plus
his
old
car
whe
n he
had
inte
nded
to g
et$1
,000
for
his
old
car
and
pay
$2,0
00 fo
r th
e C
rusa
der.
QU
ES
TIO
NS
Rev
iew
ing
wha
t hap
pene
d:
Wha
t inf
orm
atio
n di
d T
om h
ave
befo
re p
urch
asin
g th
eC
rusa
der?
Wha
t tec
hniq
ues
did
the
car
com
pany
use
to g
et T
om to
sig
nth
e co
ntra
ct?
Wha
t oth
er te
chni
ques
wer
e us
ed to
get
Tom
to b
uy th
e ca
r?W
hat d
id T
om th
ink
the
car
wou
ld c
ost w
hen
he fi
rst s
igne
dth
e co
ntra
ct?
How
muc
h tr
ade-
in d
id T
om a
ctua
lly g
et fo
r hi
s ca
r?
Wha
t add
ition
al d
own
paym
ent d
id T
om h
ave
to p
ay?
Wha
t was
the
cash
pric
e of
the
Cru
sade
r?
Con
side
ring
the
trad
e-in
allo
wan
ce, a
dditi
onal
dow
n pa
ymen
tco
sts,
and
pric
e of
the
car,
wha
t was
the
cost
to T
om if
he
retu
rned
the
Cru
sade
r an
d re
ceiv
ed $
1,10
0?
Wha
t wou
ld th
e to
tal c
ost b
e if
Tom
com
plet
ed th
e tr
ans-
actio
n un
der
the
pres
ent f
inan
cial
arr
ange
men
ts?
Dis
cuss
ing
the
impl
icat
ions
:
Wha
t fac
tors
bro
ught
abo
ut T
om's
pro
blem
s w
ith th
e pu
rcha
seof
the
car?
Wou
ld a
ny o
f the
se fa
ctor
s ap
ply
to o
ther
purc
hase
s?
How
doe
s st
atus
or
appe
al a
ffect
the
amou
nt y
ou a
re w
illin
g to
pay
for
an it
em?
Sho
uld
a pe
rson
be
conc
erne
d ab
out t
he a
mou
nt o
f the
mon
thly
pay
men
ts?
Why
?
Wha
t can
a p
erso
n do
to a
void
letti
ng d
esire
s ge
t in
the
way
of
ratio
nal d
ecis
ions
?
Sho
uld
som
e se
lling
tech
niqu
es b
e m
ore
clos
ely
regu
late
d? If
so, w
hich
one
s?
Why
doe
sn't
a bu
yer
read
a c
ontr
act b
efor
e si
gnin
g?
How
doe
s a
pers
on d
eter
min
e if
he is
pay
ing
a fa
ir pr
ice
for
ane
w c
ar?
Wer
e an
y ill
egal
sal
es te
chni
ques
use
d? If
so,
wha
t wer
e th
ey?
Wou
ld th
e fin
ance
com
pany
be
lega
lly r
espo
nsib
le fo
r th
etr
ansa
ctio
n? If
so,
und
er w
hat p
rovi
sion
of l
aw?
Iem
ploy
men
tan
d in
com
e
empl
oym
ent
and
inco
me
1.1
Em
ploy
men
t Opp
ortu
nitie
s1.
11 E
very
hig
h sc
hool
gra
duat
ew
ill k
now
whe
re to
find
info
r-m
atio
n ab
out j
ob o
ppor
tuni
ties.
1.12
Eve
ry h
igh
scho
ol g
radu
ate
will
rec
ogni
ze s
ever
al s
atis
fyin
gca
reer
cho
ices
from
a w
ide
rang
eof
pos
sibi
litie
s.
1.11
1 Li
st a
min
imum
of f
ive
sour
ces
whi
ch p
rovi
de in
form
atio
n ab
out j
obop
port
uniti
es in
a c
hose
n ca
reer
are
a.
1.12
1 D
istin
guis
h le
vels
of t
rain
ing
and
Res
earc
h pa
per
expe
rienc
e ne
eded
for
atle
ast
thre
eS
umm
ary
shee
tca
reer
cho
ices
of p
artic
ular
inte
rest
.
1.12
2 S
elec
t at l
east
two
pote
ntia
llysa
tisfy
ing
care
ers
by r
elat
ing
inte
rest
s,sk
ills
and
abili
ties
to jo
b re
quire
men
ts.
Sho
rt a
nsw
er q
uest
ion
Sel
f-an
alys
is fo
rm
1
(Pro
gram
Con
tent
)
1.11
1 S
ourc
es o
f inf
orm
atio
n ab
out j
ob o
ppor
tuni
ties:
Occ
upat
iona
l Out
look
Han
dboo
kC
urre
nt a
rtic
les
abou
t occ
upat
iona
l tre
nds
Priv
ate
and
publ
ic a
genc
ies
Sta
te e
mpl
oym
ent o
ffice
sP
ublic
em
ploy
men
t age
ncie
sY
outh
em
ploy
men
t ser
vice
sY
outh
cor
n ag
enci
esC
ivil
serv
ice
agen
cies
App
rent
ices
hip
boar
dsP
rivat
e an
d pu
blic
per
sonn
el a
genc
ies
Oth
er New
spap
er w
ant a
dsS
choo
l cou
nsel
ors
Com
mun
ity b
usin
esse
sY
ello
w p
ages
of t
elep
hone
boo
k
1.12
1 S
ourc
es o
f inf
orm
atio
n ab
out j
ob r
equi
rem
ents
:D
ictio
nary
of O
ccup
atio
nal T
itles
You
r F
utur
e O
ccup
atio
nC
aree
r cl
uste
r gu
ides
Inte
rvie
ws
with
em
ploy
ers
and
empl
oyee
s
1.12
2 F
acto
rs a
ffect
ing
care
er s
elec
tion:
Inte
rest
sS
kills
and
abi
litie
sP
rese
nt a
nd fu
ture
goa
ls
Job
requ
irem
ents
Em
ploy
men
t opp
ortu
nitie
s
Ask
res
ourc
e pe
ople
to d
iscu
ss jo
b op
port
uniti
es a
nd th
e se
rvic
esof
org
aniz
atio
ns s
uch
as:
Sta
te E
mpl
oym
ent O
ffice
Priv
ate
empl
oym
ent a
genc
ies
You
th O
ppor
tuni
ty C
ente
r
Hav
e st
uden
ts d
iscu
ss o
ther
way
s jo
bs c
an b
e fo
und.
Div
ide
clas
s in
to g
roup
s to
set
up
empl
oym
ent a
genc
ies.
Hav
eea
ch g
roup
cho
ose
thre
e or
mor
e oc
cupa
tions
and
com
pile
info
rmat
ion
on:
Pot
entia
l ear
ning
pow
erC
ompe
tenc
ies
requ
ired
Ant
icip
ated
wor
king
con
ditio
nsJo
b lo
catio
ns
(At l
east
one
of t
he o
ccup
atio
ns s
tudi
ed s
houl
d be
rep
rese
nted
by
a bu
sine
ssm
an v
isiti
ng c
lass
at a
late
r se
ssio
n)
Res
earc
h m
ight
incl
ude:
Inte
rvie
ws
with
stu
dent
s w
ho h
ave
jobs
The
Dic
tiona
ry o
f Occ
upat
iona
l Titl
esS
urve
ys o
f the
var
iety
of o
ccup
atio
ns h
eld
by fa
mili
es a
ndfr
iend
sJo
b ob
serv
atio
n
Hav
e st
uden
ts u
se in
form
atio
n fr
omse
lf-ap
prai
sal
test
sto
dete
rmin
e th
eir
indi
vidu
al p
oten
tials
for
succ
eedi
ng in
var
ious
type
s of
occ
upat
ions
.
3
empl
oym
ent
and
inco
me
1.2
Obt
aini
ng a
Job
1.21
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to d
emon
stra
te c
or-
rect
use
of j
ob a
pplic
atio
n pr
o-ce
dure
s.
1.22
Eve
ry h
igh
scho
ol g
radu
ate
will
reco
gniz
e pe
rson
al fa
ctor
sth
at in
fluen
ce h
is e
mpl
oyab
ility
and
inco
me
expe
ctat
ions
.
1.21
1 D
emon
stra
te a
bilit
y to
fill
out a
nap
plic
atio
n fo
rm.
Dem
onst
rate
abi
lity
to w
rite
a le
tter
ofap
plic
atio
n.
Pre
pare
a r
esum
e.
Dis
tingu
ish
the
diffe
renc
e be
twee
n a
reco
mm
enda
tion
and
a re
fere
nce.
1.22
1 P
oint
out
fact
ors
that
influ
ence
the
succ
ess
or fa
ilure
of a
job
inte
rvie
w.
Dem
onst
rate
app
ropr
iate
grn
omin
g pr
ac-
tices
and
dre
ss s
tand
ards
for
vario
us ty
pes
of jo
b in
terv
iew
s.
1.22
2 E
valu
ate
his
sala
ble
skill
s, ta
lent
s,an
d ex
perie
nces
.
App
licat
ion
form
Obj
ectiv
e qu
estio
n
Lette
r of
app
licat
ion
Obj
ectiv
e qu
estio
n
Res
ume
form
Obj
ectiv
e qu
estio
nO
bjec
tive
ques
tion
Obj
ectiv
e qu
estio
n
Sco
re c
ard
Obj
ectiv
e qu
estio
n
Rat
ing.
scal
e
..111
11
4
(Pro
gram
Con
tent
)
1.21
1 P
roce
dure
s in
app
lyin
g fo
r a
job:
Pre
parin
g pe
rson
al d
ata
shee
t (re
sum
e)
Writ
ing
lette
rs o
f app
licat
ion
Obt
aini
ng r
ecom
men
datio
nsO
btai
ning
ref
eren
ces
Fill
ing
out a
pplic
atio
n fo
rms
Tak
ing
test
s
Obt
aini
ng s
ocia
l sec
urity
num
bers
and
wor
k pe
rmits
(1.
61)
1.22
1 Im
port
ant f
acto
rs in
a p
erso
nal i
nter
view
:
Pun
ctua
lity
Cou
rtes
yG
ood
gram
mar
Per
seve
ranc
e
Sel
f-co
nfid
ence
Ent
husi
asm
Pro
per
attit
ude
Poi
se
Kno
wle
dge
of e
mpl
oyer
and
his
bus
ines
s
App
ropr
iate
dre
ss a
nd g
room
ing
Ale
rt, i
ntel
ligen
t res
pons
es
1.22
2 F
acto
rs in
fluen
cing
em
ploy
abili
ty:
Per
sona
l cha
ract
eris
tics
Men
tal a
nd p
hysi
cal h
ealth
Gro
omin
g an
d pe
rson
al c
lean
lines
sA
ppro
pria
te d
ress
sta
ndar
ds
Sal
able
ski
lls, t
alen
ts, a
nd e
xper
ienc
esS
choo
l cou
rses
, gra
des,
and
atte
ndan
ceH
obbi
esS
kills
Sum
mer
and
par
t-tim
e jo
b ex
perie
nces
Spo
rts
and
extr
acur
ricul
ar a
ctiv
ities
Oth
er Cre
dit r
atin
gs (
3.7)
Rec
ord
of c
ivil
actio
ns
Ask
a p
anel
of l
ocal
bus
ines
smen
to d
iscu
ss:
App
licat
ion
-for
ms
Res
umes
and
lette
rs o
f app
licat
ion
Dre
ss r
equi
rem
ents
Inte
rvie
w a
nd te
stin
g pr
oced
ures
Set
up
vario
us k
inds
of "
empl
oym
ent a
genc
ies"
and
hav
e st
uden
tsro
le p
lay
job
appl
ican
ts w
ith v
aryi
ng q
ualif
icat
ions
. Afte
r th
em
ock
inte
rvie
ws,
hav
e cl
assm
ates
dec
ide
who
sho
uld
get a
job.
Com
pare
cla
ss c
hoic
es w
ith v
isito
rs' c
hoic
es. D
iscu
ss fa
ctor
sim
port
ant i
n th
e in
terv
iew
.
Exp
ose
stud
ents
to v
ario
us k
inds
of e
mpl
oym
ent t
estin
g an
dde
mon
stra
te m
etho
ds o
f org
aniz
ing
info
rmat
ion
for
quic
k re
call.
Let s
tude
nts
prac
tice
taki
ng te
sts
unde
r si
mul
ated
con
ditio
ns.
5
empl
oym
ent
and
inco
me
1.3
Mee
ting
Res
pons
ibili
ties
For
Job
Suc
cess
1.31
Eve
ry h
igh
scho
ol g
radu
ate
will
rec
ogni
ze th
at th
e ch
arac
ter,
attit
udes
, and
res
pons
ibili
ties
ofbo
th e
mpl
oyer
and
em
ploy
ee a
reas
impo
rtan
t to
job
succ
ess
assk
ills
and
abili
ties.
1.31
1Id
entif
yre
spon
sibi
litie
s of
the
empl
oyee
to h
is e
mpl
oyer
and
fello
ww
orke
rs.
Sho
w h
ealth
y at
titud
es to
war
d w
ork
situ
atio
ns.
1.31
2 Id
entif
y re
spon
sibi
litie
s of
the
empl
oyer
to th
e em
ploy
ee.
1.31
3 S
umm
ariz
eth
equ
aliti
esm
ost
likel
y to
hav
e a
favo
rabl
e in
fluen
ce o
n jo
bad
vanc
emen
t.
Obj
ectiv
e qu
estio
n
Rat
ing
scal
e
Obj
ectiv
e qu
estio
n
Ess
ay q
uest
ion
6
(Pro
gram
Con
tent
)
1.31
1 R
espo
nsib
ilitie
s of
em
ploy
ee:
To
empl
oyer
Com
pete
nt w
ork
Thr
ifty
use
of m
ater
ials
Pun
ctua
lity
Hon
esty
Will
ingn
ess
to fo
llow
ord
ers
Ple
asan
t atti
tude
Loya
ltyR
espe
ctA
ccep
tanc
e of
crit
icis
mD
epen
dabi
lity
Initi
ativ
eIn
tere
stS
elf e
valu
atio
nT
o fe
llow
em
ploy
ees
Tea
mw
ork
Tho
ught
fuln
ess
Loya
ltyH
ones
tyC
oope
ratio
nP
leas
ant a
ttitu
de
1.31
2 R
espo
nsib
ilitie
s of
em
ploy
er:
Ade
quat
e su
perv
isio
nF
air
pers
onne
l pol
icie
sS
afe
wor
king
con
ditio
nsO
pen
chan
nels
of c
omm
unic
atio
nR
ecog
nitio
n of
ach
ieve
men
tR
ecog
nitio
n of
civ
il rig
hts
and
empl
oyee
pro
tect
ion
law
s(1
.6)
1.31
3 C
onsi
dera
tions
for
job
adva
ncem
ent:
PrO
mot
ions
with
in o
rgan
izat
ions
Pro
mot
ions
out
side
org
aniz
atio
ns (
recr
uitm
ent)
Bas
is fo
r pr
omot
ions
(pe
rfor
man
ce r
atin
g sc
ales
)M
etho
ds o
f pay
incr
ease
Div
ide
clas
s in
to g
roup
s to
inve
stig
ate
case
stu
dies
invo
lvin
gco
nflic
ts b
etw
een
wor
kers
and
em
ploy
ers
or a
mon
g w
orke
rs.
Hav
e cl
ass
use
info
rmat
ion
gath
ered
in in
vest
igat
ions
to d
evel
opsk
its,
role
pla
y si
tuat
ions
, or
writ
e re
port
s. E
mph
asiz
e th
eim
port
ant r
ole
of a
ttitu
des
in jo
b su
cces
s.
Writ
e, v
isit,
or
invi
te p
erso
ns fr
om m
anag
emen
t lev
els
of la
rge
com
pani
es to
:D
iscu
ss tr
aini
ng a
nd e
duca
tion
prog
ram
s fo
r th
eir
empl
oyee
sC
larif
y cr
iteria
use
d fo
r em
ploy
ee e
valu
atio
n (p
erfo
rman
cera
tings
)
Iden
tify
mos
t fre
quen
t cau
ses
of e
mpl
oyee
term
inat
ion
Cla
rify
basi
s fo
r em
ploy
ee p
rom
otio
ns
Fol
low
with
cla
ss d
iscu
ssio
n on
:P
erfo
rman
ce r
atin
g sc
ales
for
empl
oyee
s on
pro
batio
n pr
ior
to te
nure
em
ploy
men
t and
for
thos
e be
ing
rate
d fo
r sa
lary
incr
ease
s.
Crit
eria
use
d as
a b
asis
for
prom
otio
n:M
erit
Sen
iorit
yA
utom
atic
7
empl
oym
ent
and
inco
me
1.4
Fin
anci
alS
ecur
ityan
dE
mpl
oym
ent
1.41
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to e
stim
ate
with
cons
ider
able
accu
racy
the
take
-hom
e pa
y of
any
job
for
whi
ch h
e ap
plie
s.
1.42
Eve
ry h
igh
scho
ol g
radu
ate
will
unde
rsta
nd h
ow e
mpl
oy-
men
t inc
ome
and
bene
fits
affe
ctfin
anci
al s
ecur
ity.
1.41
1 D
istin
guis
h be
twee
n gr
oss
pay
and
take
-hom
e pa
y.
Iden
tify
vario
us d
educ
tions
foun
d on
apa
yrol
l che
ck s
tub.
Exp
lain
how
pay
roll
dedu
ctio
ns a
re c
om-
pute
d.
1.42
1 E
xpla
in th
e ad
vant
ages
of a
t lea
stth
ree
empl
oyee
ben
efits
.
1.42
2 P
oint
out
fina
ncia
l im
plic
atio
ns o
fpa
yrol
l ded
uctio
ns a
nd e
mpl
oyee
ben
e-fit
s.
Ana
lysi
s of
sim
ulat
ed c
heck
stub
Ana
lysi
s of
sim
ulat
ed c
heck
stub
Pro
blem
s on
obj
ectiv
e te
st
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
8
(Pro
gram
Con
tent
)
1.41
1 P
ayro
ll co
nsid
erat
ions
:S
alar
y Gro
ss p
ayT
ake-
hom
e pa
yD
educ
tions
Inco
me
taxe
sS
ocia
l sec
urity
Insu
ranc
e
Uni
on d
ues
Cha
rity
Cre
dit U
nion
Sav
ings
pro
gram
Ret
irem
ent
1.42
1 E
mpl
oyee
ben
efits
:P
rofit
sha
ring
Pai
d va
catio
nD
isco
unts
Sic
k pa
yLe
ave
of a
bsen
ce
Hol
iday
sO
vert
ime
Per
die
m a
nd tr
avel
Insu
ranc
y pl
ans
Sal
ary
ince
ntiv
esR
etire
men
t
1.42
2 F
inan
cial
impl
icat
ions
:
Inco
me
from
em
ploy
men
t rem
ains
the
best
gua
rant
ee o
ffin
anci
al s
ecur
ity. E
mpl
oyee
ben
efits
con
trib
ute
to fi
nanc
ial
secu
rity.
Obt
ain
sam
ple
payc
heck
s; r
ead,
inte
rpre
t, an
d po
int o
ut:
Gro
ss p
ayT
ake-
hom
e pa
yIn
volu
ntar
y de
duct
ions
Vol
unta
ry d
educ
tions
(nu
mer
ous
optio
ns)
Use
wag
e de
duct
ion
char
t fro
m th
e In
tern
al R
even
ue S
ervi
ce to
expl
ain
with
hold
ing
taxe
s.
Ask
a s
ocia
l sec
urity
rep
rese
ntat
ive
to d
iscu
ss:
Cos
ts
Ben
efits
to m
inor
dep
ende
nts
Obt
aini
ng c
ards
Pro
cedu
refo
rch
ecki
ng p
erso
nal
acco
unts
with
Soc
ial
Sec
urity
Adm
inis
trat
ion
Hav
e st
uden
ts w
ho w
ant t
o ob
tain
soc
ial s
ecur
ity c
ards
follo
w th
epr
oced
ures
dis
cuss
ed.
Hav
e st
uden
ts ta
lk to
fam
ily a
nd fr
iend
s ab
out "
frin
ge b
enef
its"
prov
ided
by
empl
oyer
s.
Dis
cuss
cha
rt in
The
Sea
rch
for
Eco
nom
ic S
ecur
ity. P
oint
out
finan
cial
pro
blem
s an
d pr
otec
tion
avai
labl
e to
the
wor
ker
thro
ugh
his
job.
9
IIIIII
110
empl
oym
ent
and
inco
me
1.5
Em
ploy
men
t Org
aniz
atio
ns1.
51 E
very
hig
h sc
hool
stu
dent
will
und
erst
and
that
gro
ups
ofem
ploy
ees
can
orga
nize
to in
-flu
ence
con
ditio
ns o
f em
ploy
-m
ent.
1.51
1 E
xpla
in a
t lea
st o
ne m
ajor
pur
pose
of u
nion
s.
1.51
2 E
xpla
in a
t lea
st o
ne m
ajor
pur
pose
of p
rofe
ssio
nal o
rgan
izat
ions
.
Ess
ay q
uest
ion
Ess
ay q
uest
ion
10
(Pro
gram
Con
tent
)
1.51
1 U
nion
s:P
urpo
ses
To
act a
s co
llect
ive
barg
aini
ng a
gent
s fo
r em
ploy
ees
Wag
es fo
r re
gula
r w
ork
and
over
time
Hou
rs o
f wor
kR
equi
rem
ents
for
empl
oym
ent
Pen
sion
s
Hea
lth, s
afet
y, a
nd w
orki
ng c
ondi
tions
Met
hod
of h
iring
and
firin
gR
esol
ves
case
s in
volv
ing
disc
harg
eM
etho
ds o
f set
tling
dis
pute
sT
o pr
ovid
e jo
b pl
acem
ent s
ervi
ces
To
enfo
rce
labo
r ag
reem
ents
1.51
2 P
rofe
ssio
nal o
rgan
izat
ions
:P
urpo
ses
To
esta
blis
h an
d m
aint
ain
prof
essi
onal
sta
ndar
dsT
o su
ppor
t leg
isla
tion
affe
ctin
g th
e pr
ofes
sion
To
enco
urag
e in
divi
dual
gro
wth
and
adv
ance
men
tT
o im
prov
e w
orki
ng c
ondi
tions
and
inco
me
To
prov
ide
pens
ion,
ret
irem
ent,
and
supp
ortiv
e be
nefit
sT
o ke
ep m
embe
rshi
p up
to d
ate
on r
esea
rch
and
tech
nolo
gyT
o ne
gotia
te w
ith e
mpl
oyer
on
term
s of
em
ploy
men
t(r
estr
icte
d)
Invi
te g
uest
spe
aker
:
Uni
on o
ffici
alst
o di
scus
s pu
rpos
es a
nd e
xpec
tatio
ns o
fun
ion
shop
.
Mem
bers
of p
rofe
ssio
nal o
rgan
izat
ions
to d
iscu
ss s
ervi
ces
and
bene
fits
of p
rofe
ssio
nal o
rgan
izat
ions
.
Hav
e st
uden
ts in
vest
igat
e ac
cord
ing
to in
divi
dual
pre
fere
nces
:P
ros
and
cons
of u
nion
s
Adv
anta
ges
and
disa
dvan
tage
s of
pro
fess
iona
l org
aniz
atio
nsN
umbe
r an
d ty
pes
of p
rofe
ssio
nal o
rgan
izat
ions
ava
ilabl
e in
the
com
mun
ityM
embe
rshi
pre
quire
men
tsof
prof
essi
onal
orga
niza
tions
rela
ted
to o
wn
occu
patio
nal c
hoic
es
empl
oym
ent
and
inco
me
1.6
Em
ploy
men
t Law
sFed
-er
al a
nd S
tate
4
1.61
Eve
ry h
igh
scho
ol g
radu
ate
will
und
erst
and
how
sta
te a
ndfe
dera
l law
s go
vern
ing
empl
oy-
men
t pra
ctic
es p
rote
ct w
orke
rs.
I
1.61
1 Id
entif
y at
leas
t fiv
e m
ajor
em
ploy
-m
ent l
aws
and
the
agen
cies
that
adm
inis
ter
them
.
Exp
lain
how
em
ploy
men
t law
s af
fect
him
as a
wor
ker.
Iden
tify
step
s in
app
lyin
g fo
r a
wor
kpe
rmit.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Ess
ay te
st q
uest
ion
Obj
ectiv
e qu
estio
n
(Pro
gram
Con
tent
)
1.61
1 La
ws
affe
ctin
g w
orke
rs:
Maj
or la
ws
prot
ectin
g w
orke
rs; a
dmin
iste
ring
agen
cies
Nat
iona
l Lab
or R
elat
ions
Act
(W
agne
r A
ct)
(L5)
U.S
.D
epar
tmen
t of L
abor
Fai
r La
bor
Sta
ndar
ds A
ct (
Wag
e an
d H
our
Act
)US
.D
epar
tmf L
abor
Wor
kmen
Com
pens
atio
nA
ctO
rego
n W
orkm
en's
Com
pens
atio
n B
oard
Taf
tHar
tley
Act
(1.
5)U
S. D
epar
tmen
t of L
abor
Une
mpl
oym
ent A
ctO
rego
n E
mpl
oym
ent D
ivis
ion
Soc
ial S
ecur
ity A
ctU
.S. D
epar
tmen
t of R
even
ueM
ajor
pro
visi
ons
of la
ws
rela
ted
to a
ll w
orke
rs
Est
ablis
h m
inim
um w
age
(cer
tain
occ
upat
ions
exe
mpt
)P
rovi
de a
reg
ular
pay
day
at l
east
onc
e ev
ery
35 d
ays
Pro
vide
une
mpl
oym
ent,
disa
bilit
y, a
nd o
ld a
ge b
enef
its(if
cer
tain
crit
eria
met
)
Pro
vide
equ
al e
mpl
oym
ent o
ppor
tuni
ties
Est
ablis
h w
ork
cond
ition
s an
d sa
fety
sta
ndar
dsM
ajor
pro
visi
ons
of la
ws
rela
ted
to m
inor
wor
kers
Pro
vide
spe
cific
saf
ety
prec
autio
ns (
e.g.
, min
ors
may
not
be e
mpl
oyed
in jo
b cl
assi
fied
as h
azar
dous
)P
rovi
de fo
r m
axim
um w
ork
wee
k of
44
hour
s
Lim
it em
ploy
men
t dur
ing
scho
ol y
ear
Spe
cify
cert
ain
cond
ition
s fo
r w
ork
pert
aini
ngto
faci
litie
s, b
reak
s, e
tc.
Req
uire
wor
k pe
rmits
for
empl
oyee
s, a
ges
14-1
8, p
rior
to e
mpl
oym
ent (
cert
ain
exem
ptio
ns);
per
mits
issu
ed b
yB
urea
u of
Lab
or o
r lo
cal e
mpl
oym
ent o
ffice
upo
n pr
oof
of a
ge
Hav
e st
uden
ts b
rain
stor
m a
nsw
ers
to "
Why
do
we
have
law
sab
out e
mpl
oym
ent?
"
Invi
test
ate
empl
oym
ent o
ffici
als
to d
iscu
ssle
gal p
robl
ems
pert
aini
ng to
:H
ours
of w
ork
perm
itted
Con
trol
sS
tate
and
fede
ral m
inim
um w
age
Wor
k pe
rmits
(1.
21)
Equ
al o
ppor
tuni
ty
Ana
lyze
cas
est
udie
s pe
rtai
ning
to v
iola
tions
of e
mpl
oyee
prot
ectio
n la
ws.
Dis
cuss
rig
hts
of w
orke
rs in
thes
e si
tuat
ions
.
Hav
e st
uden
ts r
evie
w c
erta
inla
ws
to d
eter
min
e di
ffere
nces
betw
een
regu
latio
ns fo
r w
orke
rs o
f:
Var
ious
age
sD
iffer
ent s
exes
Dis
cuss
rea
sons
for
diffe
renc
es in
law
s af
fect
ing
wor
kers
.
Hav
e st
uden
ts r
evie
w c
urre
nt p
ublic
atio
ns o
f sta
te a
nd fe
dera
lD
epar
tmen
tsof
Labo
ran
dE
mpl
oym
ent,
Sta
te A
ccid
ent
Insu
ranc
e F
und,
Soc
ial S
ecur
ity A
dmin
istr
atio
n, a
nd W
orkm
en's
Com
pens
atio
n B
oard
..4
,
(
13
2m
oney
man
agem
ent
.1-
mon
eym
anag
emen
t
2.1
Fin
anci
al P
lann
ing
2.11
Eve
ry h
igh
scho
ol g
radu
ate
will
reco
gniz
eth
atso
und
finan
cial
pla
nnin
g is
the
key
tosu
cces
sful
pers
onal
mon
eym
anag
emen
t.
2.12
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to c
onst
ruct
a r
eal-
istic
bud
get f
or fa
mili
es w
ithdi
ffere
nt n
eeds
.
;A
s
2.11
1 D
efin
e fin
anci
al p
lann
ing.
2.11
2 Id
entif
y at
leas
t thr
ee s
peci
fic w
ays
finan
cial
pla
nnin
g w
ill h
elp
fam
ilies
with
prob
lem
s in
han
dlin
g m
oney
.
2.12
1 Id
entif
y th
e st
eps
in p
lann
ing
abu
dget
.
Exp
ress
pos
itive
atti
tude
s to
war
d bu
dget
-in
g.
2.12
2 D
emon
stra
te th
e ab
ility
to p
lan
are
alis
tic b
udge
t for
two
diffe
rent
inco
me
leve
ls.
iCtJ
ec:
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Ess
ay q
uest
ion
Atti
tude
che
cklis
tT
each
er o
bser
vatio
nA
bud
get p
lan
Obj
ectiv
e qu
estio
n
16
(Pro
gram
Con
tent
)
2.11
1 D
efin
ition
of f
iana
ncia
l pla
n: A
sys
tem
atic
pro
gram
for
spen
ding
, sav
ing,
and
inve
stin
g in
com
e.
2.11
2 R
easo
ns fo
r fin
anci
al p
lann
ing:
To
eval
uate
the
use
of m
oney
To
get m
axim
um b
enef
its fr
om in
com
eT
o pr
even
t was
tefu
l and
unn
eces
sary
spe
ndin
gT
o m
aint
ain
pers
onal
fina
ncia
l sta
bilit
yT
o or
gani
ze r
esou
rces
hum
anm
ater
ial
To
redu
ce fr
ustr
atio
n an
d m
oney
wor
ries
To
unde
rsta
nd th
e w
ay in
whi
ch m
oney
is s
aved
, spe
nt, a
ndbo
rrow
ed
2.12
1 D
efin
ition
of b
udge
ting:
a s
yste
mat
ic a
lloca
tion
of p
ro-
ject
ed in
com
e to
ass
ure
that
Exp
endi
ture
s w
ill n
ot e
xcee
d in
com
eA
ll ca
tego
ries
of e
xpen
ditu
res
will
be
prop
ortio
nate
to n
eeds
and
prio
ritie
sF
utur
e ne
eds
(exp
ecte
d an
d un
expe
cted
) ca
n be
met
2.12
2 S
teps
in b
udge
ting:
Det
erm
ine
goal
s, v
alue
s, n
eeds
, and
wan
ts (
4.11
2)E
stim
ate
tota
l inc
ome
(fix
ed a
nd v
aria
ble)
Ana
lyze
pas
t exp
endi
ture
sLi
st fi
xed
expe
nses
Est
imat
e fle
xibl
e ex
pens
esA
lloca
te d
iscr
etio
nary
res
ourc
esS
et a
side
mon
ey fo
r sa
ving
s an
d em
erge
ncie
sS
et u
p a
met
hod
for
eval
uatin
g th
e pl
an
Dis
cuss
fina
ncia
l pla
nnin
g an
d w
hat i
t inc
lude
s.
Dev
elop
a c
halk
boar
d lis
t of s
ourc
es o
f inc
ome,
incl
udin
g w
ork,
inve
stm
ents
, ins
uran
ce.
Ass
ign
a co
mm
ittee
to s
tudy
and
rep
ort o
n di
ffere
nt w
ays
toor
gani
ze r
esou
rces
.
Invi
te a
fina
ncia
l cou
nsel
or (
from
ban
k, c
redi
t uni
on, s
ocia
lse
rvic
e ag
ency
, etc
.) to
spe
ak a
bout
the
prob
lem
s of
indi
vidu
als
who
fail
to e
stab
lish
plan
s fo
r m
anag
ing
thei
r m
oney
.
Use
cas
e st
udie
s to
brin
g ou
t fam
ily b
udge
ting
prob
lem
s an
dex
ampl
es o
f ina
dequ
ate
man
agem
ent o
f mon
ey (
incl
ude
diffe
rent
leve
ls o
f inc
ome)
.
Hav
e st
uden
ts a
naly
ze th
e st
eps
in b
udge
ting
and
dete
rmin
e th
ech
ange
s th
at m
ight
be
requ
ired
in a
fam
ily b
udge
t if t
he fo
llow
ing
situ
atio
ns o
ccur
red:
A s
on e
nter
s co
llege
Fam
ily in
com
e in
crea
ses
by o
ne-t
hird
The
fam
ily b
uys
a se
cond
car
The
fam
ily m
oves
to th
e su
burb
sA
n ag
ed p
aren
t mov
es in
with
the
fam
ily
Hav
e st
uden
ts ta
pe in
terv
iew
s w
ith p
eopl
e in
var
ious
sta
ges
of th
efa
mily
life
cyc
le to
lear
n th
eir
appr
oach
es to
bud
getin
g. S
uch
pers
ons
mig
ht in
clud
e a
youn
g m
arrie
d co
uple
, a m
iddl
e-ag
edco
uple
with
chi
ldre
n, a
nd a
sen
ior
citiz
en.
Hav
e cl
ass
disc
uss
the
effe
ct o
f var
ious
pro
blem
s su
ch a
s di
vorc
eon
fam
ily fi
nanc
es.
17
2m
oney
man
agem
ent
2.2
Ban
king
and
Rec
ord
Kee
p-in
g2.
21 E
very
hig
h sc
hool
gra
duat
ew
ill d
emon
stra
te c
orre
ct u
se o
fba
nkin
g se
rvic
es th
at a
id in
per
-so
nal m
oney
man
agem
ent.
2.22
Eve
ry h
igh
scho
ol g
radu
ate
will
reco
gniz
e th
at a
ccur
atel
yke
pt r
ecor
ds fa
cilit
ate
inco
me
tax
repo
rtin
g an
d he
lp fa
mili
esm
aint
ain
finan
cial
sta
bilit
y.
2.21
1 D
emon
stra
te a
n ab
ility
to w
rite
ach
eck,
bala
nce
ach
eck
book
, and
reco
ncile
a b
ank
stat
emen
t
List
at le
ast f
ive
serv
ices
pro
vide
d by
bank
s th
at m
ight
aid
in m
oney
man
age-
men
t.
2.22
1 D
eter
min
e th
e m
etho
d an
d ty
pe o
fre
cord
kee
ping
that
cou
ld b
e pe
rson
ally
usef
ul.
Iden
tify
expe
nditu
res
whi
ch h
ave
appl
ica-
tion
to in
com
e ta
x re
port
ing
and
use
asa
basi
s fo
r de
term
inin
g re
cord
- k
eepi
ngsy
stem
.
Dem
onst
rate
abi
lity
to c
ompl
ete
an in
-co
me
tax
form
acc
urat
ely.
2222
Pre
dict
the
cons
eque
nces
of i
m-
prop
erly
kep
t rec
ords
.
Obj
ectiv
e qu
estio
nS
imul
ated
act
ivity
Sho
rt a
nsw
er q
uest
ion
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
nS
imul
ated
act
ivity
Obj
ectiv
e qu
estio
nE
ssay
que
stio
ns.
18
ta4
(Pro
gram
Con
tent
)
2.21
1 B
anki
ng s
ervi
ces:
Che
ckin
g ac
coun
tsB
ank
stat
emen
t ind
icat
ing
expe
nditu
res
Sav
ings
acc
ount
sS
afet
y de
posi
t box
esM
oney
exc
hang
eLo
ans
Fin
anci
al a
dvis
ory
serv
ices
to fa
mili
esE
stat
e pl
anni
ng a
nd tr
usts
Cre
dit c
ards
(firs
t ste
p to
che
ckle
ss-c
ashl
ess
soci
ety)
2.22
1 T
ypes
of f
inan
cial
rec
ords
:A
ccou
nts
of e
arni
ng a
nd s
pend
ing
Net
wor
th s
tate
men
tH
ouse
hold
inve
ntor
yT
ax r
ecor
ds
2.22
2 R
easo
ns fo
r ke
epin
g re
cord
s:T
o ev
alua
te fa
mily
or
indi
vidu
al s
pend
ing
To
prov
ide
info
rmat
ion
for
inco
me
tax
repo
rts
To
anal
yze
finan
cial
situ
atio
n of
fam
ilyT
o pr
ovid
e a
basi
s fo
r de
term
inin
g fu
ture
pur
chas
esT
o pr
ovid
e a
basi
s fo
r de
velo
ping
and
mai
ntai
ning
a b
udge
t
Mak
e a
bulle
tin b
oard
sho
win
g ex
ampl
es o
f ban
king
ser
vice
s.D
iscu
ss th
e im
plic
atio
ns o
f the
che
ckle
ss-c
ashl
ess
soci
ety
pre-
dict
ed fo
r th
e fu
ture
.
Dem
onst
rate
the
corr
ect w
ay to
writ
e a
chec
k. U
se tr
ansp
aren
cyto
illu
stra
te h
ow th
e am
ount
on
a ch
eck
can
be c
hang
ed a
nd w
hat
can
be d
one
to p
reve
nt th
is.
Hav
e st
uden
ts p
ract
ice
writ
ing
chec
ks a
nd k
eepi
ng r
ecor
ds a
ndre
conc
iling
acc
ount
s in
sim
ulat
ed c
heck
book
.
Dis
cuss
the
dist
inct
ion
betw
een
over
draw
ing
a ch
ecki
ng a
ccou
ntdu
e to
car
eles
snes
s or
err
or a
nd o
verd
raw
ing
with
the
inte
nt to
defr
aud.
Dis
cuss
the
busi
ness
aspe
ct o
f fam
ilyliv
ing.
List
on
the
chal
kboa
rd e
xam
ples
of v
alua
ble
pape
rs fa
mili
es s
houl
d ke
ep.
Nex
t to
each
exa
mpl
e, w
rite
whe
re it
sho
uld
be k
ept.
Use
tran
spar
enci
es to
illu
stra
te v
ario
us ty
pes
of h
ouse
hold
rec
ord
syst
ems.
Dis
cuss
rea
sons
for
keep
ing
such
rec
ords
.
Hav
e ea
ch s
tude
nt c
ompl
ete
one
proj
ect o
f his
cho
ice:
A n
et w
orth
sta
tem
ent f
or a
fam
ily in
a g
iven
situ
atio
nA
rec
ord
of h
is e
xpen
ditu
res
and
inco
me
for
two
wee
ks a
s a
basi
s fo
r fu
ture
pla
nnin
gA
cla
ssro
om o
r ho
me
inve
ntor
yA
hom
e bu
sine
ss c
ente
r
Use
a c
urre
nt in
com
e ta
x bo
okle
t to
exam
ine
met
hods
of f
igur
ing
inco
me
tax.
Dis
cuss
var
ious
ded
uctio
ns a
llow
ed. D
evel
op a
sys
tem
for
keep
ing
trac
k of
pos
sibl
e in
com
e ta
x de
duct
ions
. Dis
cuss
pro
of n
eces
sary
if ta
x re
turn
is a
udite
d.
Rev
iew
and
com
plet
e ta
x fo
rms
in c
lass
.
19
mon
eym
anag
emen
t
2.3
Sav
ings
2.31
Eve
ry h
igh
scho
ol g
radu
ate
will
reco
gniz
eth
eva
lue
ofsa
ving
s an
d de
mon
stra
te a
bilit
yto
pla
n an
app
ropr
iate
sav
ings
prog
ram
.
2.31
1P
oint
out
the
cont
ribut
ion
ofsa
ving
s to
the
futu
re fi
nanc
ial s
ecur
ity o
ffa
mili
es w
ith v
aryi
ng v
alue
sys
tem
s an
dgo
als.
2.31
2 O
utlin
e a
savi
ngs
plan
bas
ed o
npe
rson
al in
com
e an
d ne
eds.
2.31
3 Id
entif
y ty
pes
of s
avin
gs in
stitu
-tio
ns b
est s
uite
d in
func
tion
and
serv
ice
to d
iffer
ent t
ypes
of s
avin
gs g
oals
.
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
Sav
ings
pla
nS
tate
men
t of n
eeds
Obj
ectiv
e qu
estio
n
20
(Pro
gram
Con
tent
)
2.31
1 R
easo
ns fo
r sa
ving
:T
o pr
ovid
e fo
r sh
ort-
term
nee
dsE
mer
genc
ies
such
as
unem
ploy
men
t, si
ckne
ss, a
ccid
ents
,de
ath,
etc
.V
acat
ions
Wed
ding
sC
ar o
r ap
plia
nce
purc
hase
To
prov
ide
for
long
-ter
m n
eeds
Hom
e ow
ners
hip
(sav
ing
for
the
dow
n pa
ymen
t)C
hild
ren'
s ed
ucat
ion
Sup
plem
enta
l ret
irem
ent f
und
Inve
stm
ents
busi
ness
, rea
l est
ate,
insu
ranc
e
2.31
2 F
acto
rs a
ffect
ing
savi
ngs
deci
sion
s:A
mou
nt o
f dis
cret
iona
ry in
com
eA
ttitu
des
tow
ard
savi
ngs,
suc
h as
"pa
y yo
urse
lf fir
st"
Nee
ds a
nd w
ants
(ex
ampl
es)
Em
erge
ncy
fund
nee
dsS
avin
gs r
eser
ve
Will
pow
er
2.31
3 C
hoos
ing
a sa
ving
s in
stitu
tion:
Typ
es o
f sav
ings
inst
itutio
nsS
avin
gs b
anks
Com
mer
cial
ban
ksS
avin
gs a
nd lo
an a
ssoc
iatio
nsC
redi
t uni
ons
Insu
ranc
e co
mpa
nies
U.S
. Gov
ernm
ent (
bond
s)C
riter
ia fo
r ch
oosi
ng a
sav
ings
inst
itutio
nS
afet
y of
prin
cipa
lE
arni
ngs
'ow
.Li
quid
ityP
urpo
se
Fac
tors
affe
ctin
g gr
owth
in s
avin
gsR
ate
of in
tere
stM
etho
d of
det
erm
inin
g ba
lanc
e on
whi
ch in
tere
st is
pai
dLe
ngth
of t
ime
irzes
ted
Typ
e of
sav
ings
(ex
ampl
es)
Pas
s bo
okC
ertif
icat
es
Dev
elop
a li
st o
f sho
rt-
and
long
-ter
m s
tude
nt n
eeds
. Det
erm
ine
how
muc
h w
ould
hav
e to
be
save
d pe
r w
eek
to a
chie
ve o
ne o
rm
ore
of th
ese
need
s.
Mak
e a
chal
kboa
rd li
st o
f sav
ing
goal
s fo
r te
ens,
you
ng a
dults
,ne
wly
mar
ried
coup
les,
gro
win
g fa
mili
es, r
etire
d pe
ople
.
Writ
e 10
-15
quot
es a
bout
sav
ing
on b
right
ly c
olor
ed c
onst
ruct
ion
pape
r. H
ave
stud
ents
tell
wha
t the
say
ings
mea
n. In
vite
oth
ers
toad
d to
the
list.
Soo
n th
e bu
lletin
boa
rd w
ill b
e co
vere
d w
ith th
ebr
ight
ly c
olor
ed s
ayin
gs, b
oth
hum
orou
s an
d se
rious
.
Hol
d cl
ass
disc
ussi
ons
of s
uch
ques
tions
as:
How
do
attit
udes
influ
ence
the
habi
t of s
avin
g?W
hat o
ther
fact
ors
influ
ence
the
amou
nt a
n in
divi
dual
or
fam
ily m
ay s
ave?
Sho
uld
ever
yone
sav
e a
part
of h
is in
com
e?
Is it
pos
sibl
e fo
r a
very
low
-inco
me
fam
ily to
sav
e?
Invi
te g
uest
spe
aker
s to
talk
abo
ut d
iffer
ent t
ypes
of s
avin
gsin
stitu
tions
.
Dis
cuss
the
crite
ria fo
r ch
oosi
ng a
sav
ings
inst
itutio
n:W
hy is
saf
ety
put f
irst a
nd e
arni
ngs
seco
nd?
Wha
t is
mea
nt b
y liq
uidi
ty?
In w
hat c
ircum
stan
ces
mig
ht li
quid
ity b
e im
port
ant?
How
doe
s pu
rpos
e af
fect
the
choi
ce o
f a s
avin
gs in
stitu
tion?
Com
pile
a fa
ct s
heet
to c
ompa
re o
r ra
nk d
iffer
ent s
avin
gs p
lans
on th
e ba
sis
of in
tere
st p
aid,
ser
vice
s of
fere
d, a
nd d
egre
e of
ris
kin
volv
ed.
21
2 1
mon
eym
anag
emen
t
2.4
Inve
stm
ents
2.41
Eve
ry h
igh
scho
ol g
radu
ate
will
rec
ogni
ze h
ow in
vest
men
tsai
dfa
mili
esin
prov
idin
gfo
rpr
esen
tan
dfu
ture
finan
cial
need
s.
2.42
Eve
ry h
igh
scho
ol g
radu
ate
will
be a
ble
toev
alua
te th
em
ajor
type
s of
inve
stm
ents
ava
il-ab
le to
fam
ilies
of v
ario
us e
co-
nom
ic le
vels
.
2.41
1 D
efin
e in
vest
men
t.
2.41
2 P
oint
out
the
valu
e of
inve
stin
g fo
rbo
th m
onet
ary
and
nonm
onet
ary
gain
s.
2.42
1 D
istin
guis
h th
e ty
pe o
f inv
estm
ent
best
sui
ted
to g
iven
nee
ds.
2.42
2 Id
entif
y fo
ur m
ajor
fact
ors
toco
nsid
er b
efor
e m
akin
g an
inve
stm
ent.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
nE
ssay
que
stio
nO
bjec
tive
ques
tion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
22
te:=
..-
(Pro
gram
Con
tent
)
2.41
1 D
efin
ition
of i
nves
tmen
t:'T
he c
omm
itmen
t of f
unds
with
a v
iew
to m
inim
izin
g ris
kan
d sa
fegu
ardi
ng s
pecu
latio
n,"
Web
ster
's T
hird
Inte
rnat
iona
lD
ictio
nary
.
2.41
2 R
easo
ns fo
r in
vest
ing
To
obta
in in
com
eT
o m
ake
prof
its (
capi
tal g
ains
)T
o pr
ovid
e a
"hed
ge"
agai
nst i
nfla
tion
To
enric
h lif
e
2.42
1 T
ypes
of i
nves
tmen
ts:
Inte
rest
-bea
ring
depo
sits
in a
sav
ings
ban
k, a
sav
ings
and
loan
asso
ciat
ion,
or
a co
mm
erci
al b
ank
Cre
dit u
nion
sha
res
Rea
l est
ate
(ren
tals
or
mor
tgag
es)
U.S
. Sav
ings
Bon
dsB
usin
ess
(sin
gle
prop
rieto
rshi
p, p
artn
ersh
ip, c
orpo
ratio
n, o
r"c
o-op
")M
unic
ipal
bon
ds (
incl
udes
sta
te b
onds
) ca
lled
tax-
free
mun
ic-
ipal
s
Life
insu
ranc
eIn
vest
men
t tru
sts;
clo
sed-
end
or o
pen-
end
(mut
ual f
unds
)T
ax s
helte
red
annu
ities
Com
mon
or
pref
erre
d st
ocks
and
bon
ds o
f priv
ate
corp
ora-
tions
Col
lect
able
sY
Get
ric
h qu
ick"
sch
emes
(5.
3)
2.42
2 C
riter
ia fo
r se
lect
ing
inve
stm
ents
:S
afet
yR
easo
nabl
e pr
ice
Pro
mis
e of
rea
sona
ble
retu
rnF
airly
liqu
idC
ompa
tible
with
sav
ings
pla
nS
avin
gs a
nd in
sura
nce
prog
ram
alre
ady
esta
blis
hed
-1
Bra
inst
orm
:W
hat i
s an
inve
stm
ent?
Hav
e cl
ass
list t
ypes
of i
nves
tmen
ts a
n in
divi
dual
or
fam
ily c
anm
ake
for
nonm
onet
ary
gain
, suc
h as
spe
ndin
g m
oney
on
frie
nds,
fam
ily, t
rave
l, et
c. D
iscu
ss th
e va
lue
of th
ese
kind
s of
inve
st-
men
ts.
Hav
e ea
ch s
tude
nt s
elec
t one
bus
ines
s fir
m a
ppea
ring
on th
e N
ewY
ork
Sto
ck E
xcha
nge
and
prep
are
a br
ief r
epor
t of i
ts p
urpo
se,
type
of p
rodu
cts
or s
ervi
ces
invo
lved
, ear
ning
s fo
r la
st th
ree
year
s,an
d po
tent
ial f
or fu
ture
ear
ning
s.
Let c
lass
inve
stig
ate
and
repo
rt o
n th
e di
ffere
nt ty
pes
ofin
vest
men
t pla
ns a
nd th
eir
feat
ures
, inc
ludi
ng g
et-r
ich-
quic
ksc
hem
es.
Pla
n a
sym
posi
um w
ith lo
cal b
anke
r, a
n in
vest
men
t bro
ker,
a r
eal
esta
te a
gent
, etc
., to
dis
cuss
the
adva
ntag
es a
nd d
isad
vant
ages
of
inve
stin
g m
oney
. Fol
low
with
a d
iscu
ssio
n of
ris
ks in
volv
ed in
diffe
rent
type
s of
inve
stm
ents
and
maj
or c
onsi
dera
tions
inm
akin
g sm
all i
nves
tmen
ts.
23
2 CZ
o O
rIr
. I
mon
eym
anag
emen
t
2.5
Insu
ranc
e
I
2.51
Eve
ry h
igh
scho
ol g
radu
ate
will
und
erst
and
that
insu
ranc
epl
ays
a vi
tal r
ole
in p
lann
ing
for
pers
onal
and
fam
ily fi
nanc
ial
secu
rity.
2.51
1 D
efin
e in
sura
nce.
2.51
2 Id
entif
y at
leas
t fou
r di
ffere
ntty
pes
of in
sura
nce
prot
ectio
n av
aila
ble.
2.51
3 S
umm
ariz
e po
ints
to c
onsi
der
inpl
anni
ng in
sura
nce
prog
ram
s fo
r fa
mili
esw
ith d
iffer
ent n
eeds
.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
24
tPP.
,1,0
11-r
, CrA
meo
t
2.51
1 D
efin
ition
of m
sura
nce,
A m
etho
d of
pro
vidi
ng p
rote
ctio
n ag
ains
t los
ses
incu
rred
as
are
sult
of d
eath
, acc
iden
t, da
mag
e, d
isas
ter,
inju
ry, l
oss,
old
age,
ris
k, s
ickn
ess,
and
une
mpl
oym
ent.
2.51
2 M
ajor
type
s of
insu
ranc
e:H
ealth H
ospi
taliz
atio
nM
edic
al s
ervi
ces
Loss
of i
ncom
eH
ealth
mai
nten
ance
Life
Ter
mE
ndow
men
tO
rdin
ary
life
Pro
pert
yD
amag
eLo
ss o
r th
eft
Liab
ility
Aut
o Dam
age
Liab
ility
Uni
nsur
ed d
river
Com
preh
ensi
veP
erso
nal I
njur
y P
rote
ctio
n (P
IP)
2.51
3 P
lann
ing
an in
sura
nce
prog
ram
:
Cov
er th
e gr
eate
st a
nd m
ost i
mpo
rtan
t ris
ks fi
rst
Det
erm
ine
insu
ranc
e re
quire
d to
pro
vide
suf
ficie
nt p
rote
c-tio
nD
ecid
e w
hat n
eeds
mus
t be
met
by
insu
ranc
eD
ecid
e on
how
muc
h ca
n be
spe
nt
See
k ad
vice
from
com
pete
nt a
nd r
elia
ble
insu
ranc
e ad
viso
rR
evie
w c
ontr
act w
ith a
gent
to u
nder
stan
d po
licy
(2.6
)R
evie
w in
sura
nce
prog
ram
per
iodi
cally
, con
side
ring
chan
ging
need
s an
d co
nditi
ons
Hav
e st
uden
ts c
ompo
se a
hum
orou
s sk
it ill
ustr
atin
g al
l the
diffe
rent
ris
ks a
per
son
mig
ht r
un in
to in
one
day
if h
e w
ere
unfo
rtun
ate
enou
gh. H
ave
clas
s di
scus
s th
e co
ncep
t of i
nsur
ance
and
deci
de th
e ty
pe b
est f
or e
ach
risk.
Hav
e a
stud
ent c
omm
ittee
con
tact
an
insu
ranc
e re
pres
enta
tive
tota
lk o
n di
ffere
nt k
inds
of l
ife in
sura
nce
and
fam
ily n
eeds
for
life
insu
ranc
e. D
iscu
ss im
port
ant p
oint
s to
rem
embe
r in
pla
nnin
g an
insu
ranc
e pr
ogra
m.
Pre
pare
a c
hart
sho
win
g th
e m
ajor
feat
ures
of t
he v
ario
us fo
rms
oflif
e,he
alth
, and
aut
o in
sura
nce
and
prem
ium
rat
es fo
r ea
ch.
Dis
cuss
fact
ors
that
influ
ence
rat
es.
Hav
e st
uden
ts e
valu
ate
cost
of h
ospi
taliz
atio
n by
exa
min
ing
hosp
ital s
tate
men
ts fo
r a
brok
en le
g, h
avin
g a
baby
, etc
. Rep
ort
on th
e pr
ovis
ions
for
med
ical
insu
ranc
e th
at a
re p
rovi
ded
byva
rious
gro
up p
lans
.
Invi
te a
n au
to in
sura
nce
agen
t to
disc
uss
auto
insu
ranc
e fo
rte
enag
eri."
Incl
ude
the
impo
rtan
ce o
f a g
ood
driv
ing
reco
rd a
ndhi
gh r
isk
auto
s.
Hav
e st
uden
ts li
st d
iffer
ent r
isks
aro
und
the
hom
e. A
fter
each
,na
me
the
type
of i
nsur
ance
whi
ch p
rote
cts
agai
nst t
his
loss
.
25
2 ti
)c.
mon
eym
anag
emen
t
2.6
Lega
l Doc
umen
ts
ta>
2.61
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to a
naly
ze th
e es
sen-
tial e
lem
ents
of a
ny c
ontr
actu
alag
reem
ent p
rior
to s
igni
ng it
.
2.62
Eve
ry h
igh
scho
ol g
radu
ate
will
be a
ble
toev
alua
te th
eco
nseq
uenc
es fo
r fa
mily
fina
nces
befo
re s
igni
ng a
lega
l doc
umen
t.
(Pro
gram
Con
tent
)
2.61
.1 D
efin
ition
of c
ontr
act:
2.61
1 b'
fine
cont
ract
ual a
gree
men
t.
2.61
2 P
oint
out
ess
entia
l ele
men
ts o
f aco
n tr
act.
2.61
3 G
ive
exam
ples
of a
tle
ast t
hree
lega
l doc
umen
ts.
2.62
1 P
oint
out
res
pons
ibili
ties
of th
eco
nsum
er in
con
trac
tual
agr
eem
ents
.
Pre
dict
the
cons
eque
nces
of a
larg
e in
-st
allm
ent p
urch
ase
onfu
ture
fam
ilyfin
ance
s.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Hav
e cl
ass
disc
uss
cont
ract
s. B
ring
out t
he fa
ct th
at m
inor
s m
ay26
An
agre
emen
t bet
wee
n tw
o pa
rtie
s to
cre
ate
right
s an
d'b
ligat
ions
that
can
be
enfo
rced
in a
cou
rt o
f law
.
2.61
2 C
omm
on ty
pes
of le
gal d
ocum
ents
:
Con
trac
tual
agr
eem
ents
Gen
eral
Ret
ail i
nsta
llmen
tR
evol
ving
cre
dit
Mor
tgag
eIn
sura
nce
(2.5
)Le
ase
agre
emen
t bet
wee
n te
nant
and
land
lord
Oth
er ty
pes
Will
sS
ocia
l sec
urity
car
ds (
1.4)
Wor
k pe
rmits
(1.
6)T
ax r
etur
ns (
2.2)
2.61
3 E
lem
ents
of c
ontr
actu
al a
gree
men
ts:
Mut
ual a
ssen
tC
onsi
dera
tion
A p
rice
paid
to b
ind
a pr
omis
eA
pro
mis
e to
pay
mon
ey, g
oods
, or
serv
ices
Com
pete
nt p
artie
sM
arrie
d pe
rson
s an
d pe
rson
s 18
yea
rs o
f age
or
olde
rar
e le
gally
com
pete
bt to
ent
er in
to b
indi
ng c
ontr
acts
.
2.62
1 R
espo
nsib
ilitie
s of
con
sum
er in
con
trac
tual
agr
eem
ents
:A
s re
late
d to
lega
l im
plic
atio
nsU
nder
stan
d al
l cla
uses
and
term
sK
eep
copy
of c
ontr
act
Be
sure
con
trac
t is
corr
ectly
dat
edB
e su
re a
ll bl
ank
spac
es a
re fi
lled
in o
r m
arke
d ou
tB
e su
re a
ll pr
ovis
ions
agr
eed
upon
are
cle
arly
writ
ten
Be
sure
figu
res
are
accu
rate
Be
sure
-pr
oper
dis
clos
ure
has.
been
mad
e by
sel
ler
(3.6
11)
.41
wC
Be
sure
all
canc
ella
tions
are
mad
e in
acc
orda
nce
with
the
cont
ract
As
rela
ted
to fi
nanc
ial p
lann
ing
(2.1
)
Be
sure
inst
allm
ent p
aym
ents
can
be
mad
e on
lont
g-te
rmba
sis
Com
pare
tota
l cos
ts to
thos
e of
alte
rnat
ive
paym
ent
plan
s
,I1
0'iii
......
.8
.
f
be c
ompe
tent
to e
nter
into
cer
tain
bin
ding
agr
eem
ents
.
List
the
requ
irem
ents
of c
ontr
acts
; hav
e st
uden
ts d
evel
op a
list
of
tran
sact
ions
whi
ch th
ey c
onsi
der
to b
e co
ntra
cts;
det
erm
ine
whe
ther
or
not c
ontr
actu
al a
gree
men
ts e
xist
for
such
tran
s-ac
tions
.
Pre
pare
a b
ulle
tin b
oard
dis
play
, sho
win
g co
ntra
ct a
nd e
xpla
na-
tions
of i
ts v
ario
us e
lem
ents
.
Exa
min
e an
d di
scus
s an
aut
omob
ile s
ales
con
trac
t:
Who
act
ually
ow
ns th
e au
to u
ntil
it is
fully
pai
d fo
r?W
hat r
estr
ictio
ns a
re p
utup
on it
s us
e by
the
byer
?W
hat h
appe
ns if
pay
men
ts a
re n
ot m
ade
whe
n du
e?,
If th
e ca
r is
rep
osse
ssed
, is
ther
e a
lega
l cla
im b
y th
e se
ller
for
the
unpa
id b
alan
ce?
Exh
ibit
othe
r ty
pes
of le
gal d
ocum
ents
. Hav
e in
divi
dual
s or
grou
ps r
esea
rch
spec
ific
docu
men
ts s
uch
as:
Leas
es,
Will
s
,te9 27
cred
it
cred
it
3.1
Ava
ilabi
lity
of C
redi
t3.
11 E
very
hig
h sc
hool
gra
duat
ew
illre
cogn
ize
that
the
avai
la-
bilit
y of
cre
dit t
o in
divi
dual
con
-su
mer
s va
ries
acco
rdin
g to
per
-so
nal a
nd e
cono
mic
fact
ors.
.
3.11
1 D
efin
e cr
edit.
3.11
2 Id
entif
y at
leas
t fou
r ec
onom
ic a
ndpe
rson
al fa
ctor
s in
fluen
cing
the
avai
l-ab
ility
of c
redi
t.
3.11
3 P
redi
ct th
e ab
ility
of t
he c
onsu
mer
to r
epay
deb
ts in
giv
en s
ituat
ions
.
.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
(Pro
gram
Con
tent
)
3.11
1 D
efin
ition
of c
redi
t:T
he r
ight
to p
ay a
t a fu
ture
dat
e fo
r im
med
iate
use
of g
oods
,se
rvic
es, o
r m
oney
Tru
st, g
iven
and
/or
rece
ived
3.11
2 F
acto
rs a
ffect
ing
the
avai
labi
lity
of c
redi
t:P
erso
nal f
acto
rsIn
com
e, p
rese
nt a
nd a
ntic
ipat
edP
aym
ent r
ecor
d=E
mpl
oym
ent s
tabi
lity
Mar
ital s
tatu
s an
d se
xP
erso
nal l
itiga
tion
reco
rdE
cono
mic
fact
ors
Bus
ines
s co
nditi
ons
(3.5
11)
Mon
ey, p
oVci
es (
3.51
1)C
onsi
dera
tiArii
of l
ende
rs (
Six
C's
for
obta
inin
g cr
edit)
Cha
raiit
iera
res
pons
ible
atti
tude
tow
ard
payi
ng b
ills
Cap
acitl
i."La
bilit
y to
rep
ay lo
an fr
om m
oney
com
ing
inC
apita
l- po
sses
sion
of p
rope
rty
wor
th m
ore
than
deb
tC
ondi
tions
agre
emen
ts m
ade
in a
dvan
ce b
etw
een
lend
eran
d bo
rrow
erC
olla
tera
lpos
sess
ions
of a
ny k
ind,
whi
ch c
an b
e m
ort-
gage
d or
dep
osite
d as
sec
urity
for
the
cred
itor
Com
mon
sen
seab
ility
to u
se c
redi
t wis
ely
3.11
3 F
acto
rs to
con
side
r be
fore
see
king
cre
dit:
Reg
ular
ity o
f inc
ome
Pos
sibi
lity
of in
com
e ch
ange
Pos
sibi
lity
of c
hang
e in
exp
ense
sIm
med
iate
maj
or n
eeds
to b
e m
etA
mou
nt o
f inc
ome
curr
ently
allo
cate
d to
inst
allm
ent p
ay-
men
tsA
mou
nt o
f dis
cret
iona
ry in
com
e
Hav
e cl
ass
give
exa
mpl
es o
f cre
dit e
xten
ded
to th
em b
y pa
rent
s,br
othe
rs, a
nd s
iste
rs.
Dis
cuss
def
initi
ons
of c
redi
t writ
ten
on th
e ch
alkb
oard
:"C
redi
t is
buyi
ng n
ow a
nd p
ayin
g la
ter.
""C
redi
t is-
a do
ctor
bill
.""C
redi
t is
a lo
an."
"Cre
dit i
s pa
ying
'ren
t' fo
r th
e us
e of
som
eone
els
e's
mon
ey."
Giv
e st
uden
ts c
opie
s,of
the
diag
ram
bel
ow a
nd a
sk th
em to
pla
cein
eac
h ci
rcle
the
nif
er o
f any
wor
d w
hich
cor
rect
ly a
pplie
s:,
1. In
tegr
ityZ
'` t.
2. 4
ntel
ligen
ce3.
Ale
rtne
ss4.
Res
pons
ibili
ty5.
Ski
ll6.
Apt
itude
C..
Cap
acity
.C
Cap
ital "
)7.
Hea
lth,8
. Pun
ctua
lity
9. A
ppea
ranc
eC
Con
ditio
nsC
olla
tera
l-)10
. Ene
rgy
11. C
hatte
l12
. Sav
ings
13. P
rope
rty
14. S
alar
y15
. Thr
ift
CC
hara
cter
Exa
min
e a
cred
it ap
plic
atio
n w
ith th
e cl
ass
to s
ee h
ow it
dete
rmin
es th
e S
ix C
's o
f the
app
lican
t.
Hav
e st
uden
ts d
iscu
ss th
e qu
estio
ns:
Wha
t per
sona
l fac
tors
influ
ence
the
avai
labi
lity
of c
redi
t?W
hat e
cono
mic
con
ditio
ns in
fluen
ce th
e av
aila
bilit
y of
cred
it?W
hat i
s th
e ro
le o
f cre
dit i
n th
e to
tal e
cono
my?
Hav
e st
uder
its a
naly
ze c
ases
foun
d in
The
Spe
nder
Syn
drom
e fo
rfa
ctor
s th
ese
fam
ilies
faile
d to
con
side
r be
fore
obt
aini
ng c
redi
t.D
iscu
ss th
e ro
le o
f cre
dit i
n fa
mily
mon
ey m
anag
emen
t.
31
3 xf>
,IN
.?
cred
it
3.2
Usi
ng C
redi
t3.
21 E
very
hig
h sc
hool
gra
duat
ew
illre
cogn
ize
that
cred
itis
pote
ntia
lly h
elpf
ul o
r ha
rmfu
l,de
pend
ing
on h
ow it
is u
sed.
3.22
Eve
ry h
igh
scho
ol g
radu
ate
will
kno
w h
ow to
use
cre
dit i
nm
eetin
gpe
rson
alan
dfa
mily
need
s.
3.21
1 P
oint
out
the
adva
ntag
es a
nd d
is-
adva
ntag
es o
f usi
ng c
redi
t in
give
n si
tua-
tions
.
3.22
1 Id
entif
y re
spon
sibi
litie
s of
the
con-
sum
er in
cre
dit t
rans
actio
ns.
3.22
2Id
entif
y re
spon
sibi
litie
s of
the
cred
itor
in c
redi
t tra
nsac
tions
.
sugg
este
dev
alua
tion
tech
niqu
esO
bjec
tive
ques
tion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
32
ta(P
rogr
am C
onte
nt)
3.21
1 A
dvan
tage
s an
d di
sadv
anta
ges
of u
sing
cre
dit:
Adv
anta
ges
Han
dy in
em
erge
ncie
sA
llow
s bu
dget
ing
of m
ajor
pur
chas
es o
ver
perio
d of
tim
eE
stab
lishe
s cr
edit
reco
rdP
rovi
des
bette
r se
rvic
eE
stab
lishe
s a
writ
ten
reco
rd o
f pur
chas
esD
isad
vant
ages
Fut
ure
inco
me
is "
tied
up"
Usu
ally
cos
ts m
ore
than
cas
h pu
rcha
ses
Can
lead
to o
vers
pend
ing
May
elim
inat
e co
mpa
rativ
e sh
oppi
ng
3.22
1 R
espo
nsib
ilitie
s of
the
cons
umer
:T
o cr
edito
rsLi
miti
ng o
blig
atio
ns to
am
ount
s th
at c
an b
e re
paid
Mak
ing
all p
aym
ents
pro
mpt
lyC
onta
ctin
g cr
edito
r im
med
iate
ly if
ther
e is
an
emer
genc
yan
d an
inab
ility
to p
ayT
o hi
mse
lfC
heck
ing
on th
e re
puta
tion
of b
usin
ess
firm
from
whi
chhe
pla
ns to
mak
e cr
edit
purc
hase
Ass
urin
g th
at a
ll as
pect
s of
the
cont
ract
are
und
erst
ood
prio
r to
sig
ning
(2.
6)
3.22
2 C
redi
tor's
res
pons
ibili
ties:
Ass
istin
g co
nsum
er to
hol
d hi
s in
debt
edne
ss w
ithin
ran
ge o
fhi
s ab
ility
to r
epay
Coo
pera
ting
with
est
ablis
hed
cred
it re
port
ing
agen
cies
tom
ake
cred
it re
cord
ava
ilabl
e to
con
sum
erP
rese
ntin
g an
acc
urat
e an
d in
telli
gibl
e pr
inte
d st
atem
ent o
fth
e tr
ansa
ctio
n m
ade
with
con
sum
erC
lear
ing
cred
it re
cord
s if
mis
take
s ar
e m
ade
Div
ide
clas
s in
to s
mal
l gro
ups
to li
st a
dvan
tage
s, d
isad
vant
ages
, in
usin
g cr
edit
and
alte
rnat
ives
in g
iven
situ
atio
ns (
to b
uy c
ar,
educ
atio
n, fu
rnitu
re, v
acat
ion,
etc
.) R
epor
t fin
ding
s.
Rol
e pl
ay th
ree
fam
ily s
ituat
ions
:T
oo m
uch
use
of c
redi
t whi
ch r
esul
ts in
rep
osse
ssio
n or
defic
ienc
y ju
dgm
ents
A fu
rnac
e bl
ows
up b
ecau
se fa
mily
wou
ld n
ot u
se c
redi
t to
finan
ce it
s re
pair
Wis
e us
e of
cre
dit
Bra
inst
orm
the
resp
onsi
bilit
ies
of:
The
con
sum
er to
the
cred
itor
The
con
sum
er to
him
self
The
cre
dito
r to
the
cons
umer
Hav
e st
uden
ts d
evel
op a
ski
t illu
stra
ting
oblig
atio
ns a
nd r
espo
nsi-
bilit
ies
of u
sing
cre
dit i
n di
ffere
nt s
ituat
ions
.
Sur
vey
clas
s to
det
erm
ine
how
man
y ha
ve u
sed
cred
it in
som
efo
rm. D
iscu
ss r
easo
ns fo
r cr
edit
use:
Con
veni
ence
Incr
ease
d pu
rcha
sing
pow
erE
mer
genc
y ne
eds
Use
cas
e st
udie
s of
cre
dit p
urch
ases
to p
oint
out
the
dang
ers
ofun
wis
e us
e of
cre
dit.
Dis
cuss
oth
er m
eans
of r
esol
ving
the
prob
lem
s pr
esen
ted.
33
cred
it
3.3
Sou
rces
of C
redi
t
L
3.31
Eve
ry h
igh
scho
ol g
radu
ate
will
unde
rsta
nd h
ow d
iffer
ing
cons
umer
nee
ds a
ffect
sel
ectio
nof
the
cred
it so
urce
.
(Pro
gram
Con
tent
)
3.31
1 C
redi
t gra
ntin
g in
stitu
tions
:R
etai
l Sto
res
(3.6
12)
3.31
1 S
umm
ariz
e th
e fu
nctio
ns o
f at l
east
five
sour
ces
of c
onsu
mer
cre
dit.
Sel
ect t
he s
ourc
e of
cre
dit m
ost a
ppro
-pr
iate
for
give
n co
nsum
er n
eeds
.
44,
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
Hav
e st
uden
ts d
iscu
ss th
e pr
opos
ition
that
it is
as
impo
rtan
t to
shop
for
cred
it as
to s
hop
for
othe
r go
ods
and
serv
ices
.34
3E
xten
d cr
edit
in a
var
iety
of w
ays
for
purc
hase
of g
oods
and
serv
ices
.
Ban
ks (
3.61
2)T
ake
colla
tera
l and
cre
dit r
ecor
ds in
to c
onsi
dera
tion
whe
n de
term
inin
g in
tere
st r
ates
May
cha
rge
low
er in
tere
st r
ates
than
mos
t oth
er le
ndin
gin
stitu
tions
Req
uire
goo
d re
ason
s fo
r bo
rrow
ing
Cre
dit u
nion
s (3
.612
)R
equi
re m
embe
rshi
p be
fore
mak
ing
a lo
anR
equi
re g
ood
reas
ons
for
borr
owin
gC
harg
e in
tere
st r
ates
det
erm
ined
by
boar
ds o
f dire
ctor
sM
ay c
harg
e lo
wer
inte
rest
rat
es th
an m
ost o
ther
lend
ing
inst
itutio
nsP
erso
nal f
inan
ce a
nd s
mal
l loa
n co
mpa
nies
(3.
612)
Usu
ally
cha
rge
mor
e in
tere
st th
an fi
nanc
ial i
nstit
utio
nsM
ay n
ot r
equi
re c
olla
tera
lP
awns
hops
(3.
612)
Req
uire
som
ethi
ng o
f val
ue fo
r se
curit
yS
ell p
rope
rty
if lo
an is
not
pai
d ba
ck o
n tit
tleC
harg
e hi
gh in
tere
st r
ates
Do
not l
end
amou
nts
com
para
ble
tofu
ll va
lue
ofpr
oper
ty p
awne
dU
surio
us le
nder
s (lo
an s
hark
s)C
harg
e un
law
ful i
nter
est r
ates
Hav
e no
sta
te li
cens
eU
se b
roke
rage
sys
tem
: mid
dlem
an a
rran
ges
a lo
an a
ndre
ceiv
es la
rge
com
mis
sion
Cha
rge
exce
ssiv
e ra
tes
for
refin
anci
ng, r
epos
sess
ion,
late
paym
ents
, and
cre
dit l
ife in
sura
nce
Allo
w v
ery
shor
t tim
e fo
r re
paym
ent
May
use
col
lect
ion
met
hods
whi
ch in
volv
e vi
olen
ce o
rot
her
crim
inal
con
duct
May
obt
ain
mor
tgag
es o
n ot
her
prop
erty
ow
ned
bybo
rrow
erM
ay d
ate
loan
prio
r to
tim
e of
lend
ing
mon
ey to
cons
umer
Oth
er s
ourc
esA
genc
ies
prov
idin
g ed
ucat
iona
l loa
nsU
tility
com
pani
esS
ales
fina
nce
com
pani
esH
eal
th c
are
prof
essi
ons
Insu
ranc
e co
mpa
nies
Frie
nds
and
rela
tives
Mak
e bu
lletin
boa
rd d
ispl
ay o
f app
ealin
g pi
ctur
es o
f ite
ms
valu
edby
teen
ager
s. H
ave
stud
ents
sel
ect a
n ite
m a
nd s
hop
for
cred
it by
usin
g ne
wsp
aper
ads
, mag
azin
e pi
ctur
es a
nd y
ello
w p
ages
of t
hete
leph
one
book
. Dis
play
exa
mpl
es o
f cre
dit s
ourc
es fo
und.
Hav
e sm
all g
roup
s w
ork
on a
cha
rt c
ompa
ring
oper
atin
g po
licie
s,sp
ecia
litie
s, ty
pes
of c
redi
t offe
red,
and
cre
dit c
osts
of d
iffer
ent
type
s of
lend
ing
agen
cies
. Stu
dent
s m
ay in
vest
igat
e or
vis
itbu
sine
ss e
stab
lishm
ents
, and
gat
her
info
rmat
ion
from
res
ourc
epe
ople
for
clas
sroo
m p
rese
ntat
ions
.
Hav
e st
uden
ts d
iscu
ss p
erils
of d
ealin
g w
ith u
surio
us le
nder
s an
dex
amin
e di
ffere
nces
bet
wee
n re
puta
ble
and
disr
eput
able
cre
di-
tors
. Mak
e a
chec
klis
t for
sho
ppin
g fo
r cr
edit.
Dis
cuss
app
ropr
iate
actio
n to
take
whe
n en
coun
terin
g di
shon
est c
redi
t pra
ctic
es.
Bra
inst
orm
sou
rces
of c
redi
t tha
t are
not
com
mon
ly c
onsi
dere
d.D
iscu
ss a
dvan
tage
s an
d di
sadv
anta
ges
of e
ach
sour
ce.
35
C") 1
cred
it
3.4
Kin
ds o
f Cre
dit
3.41
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
'to
shop
for
cred
itan
d m
ake
appr
opria
te c
hoic
es.
3.41
1 D
istin
guis
h th
e di
ffere
nce
betw
een
open
and
clo
sed-
end
cred
it.
Iden
tify
kind
s of
cre
dit a
vaila
ble
in th
eco
mm
unity
.
Det
erm
ine
the
kind
of c
redi
t tha
t wou
ldbe
mos
t app
ropr
iate
in g
iven
situ
atio
ns.
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
nM
atch
ing
Sim
ulat
ion
activ
ityM
atch
ing
36
(Pro
gram
Con
tent
)
3.41
1 T
wo
maj
or ty
pes:
Ope
n-en
dR
egul
ar c
harg
e ac
coun
tsE
xpec
ted
to b
e pa
id in
full
with
in a
pre
dete
rmin
edtim
eN
o fin
ance
cha
rge
Ser
vice
cha
rge
if no
t pai
d by
pre
dete
rmin
ed ti
me
Rev
olvi
ng c
harg
e ac
coun
tsC
onsu
mer
and
sto
re p
rede
term
ine
the
amou
nt o
fcr
edit
that
will
be
gran
ted
to th
e co
nsum
erC
onsu
mer
pay
s a
finan
ce c
harg
e on
the
unpa
idba
lanc
eR
evol
ving
che
ck c
redi
tE
xten
ded
by. s
ome
bank
sC
redi
t lim
its p
rede
term
ined
by
bank
Con
sum
er w
rites
"sp
ecia
l" ch
eck
to c
reat
e cr
edit
Pla
n fo
r re
paym
ent i
nclu
ded
in in
itial
arr
ange
men
tM
ay o
r m
ay n
ot h
ave
finan
ce c
harg
eB
ank
cred
it ca
rds
Pro
vide
d by
som
e ba
nks
Per
mit
the
cons
umer
to b
uy o
n cr
edit
at a
larg
enu
mbe
r of
ret
ail b
usin
esse
s'
Is e
ither
a r
egul
ar o
r a
revo
lvin
g ch
arge
prog
ram
Ser
vice
cre
dit
Offe
red
by s
ome
doct
ors
and
dent
ists
,ut
ility
com
pani
es, d
ry c
lean
ers,
rep
air
serv
ices
, etc
.T
erm
s ar
e de
term
ined
by
each
bus
ines
sC
lose
d-en
dIn
stal
lmen
t cre
dit
Long
-ter
m c
onsu
mer
cre
dit
Con
trac
t is
sign
ed b
efor
e go
ods
are
deliv
ered
Sel
ler
usua
lly r
etai
ns ti
tle to
or
a se
curit
y in
tere
st in
good
s un
til fi
nal p
aym
ent i
s m
ade
on c
ontr
act
Spe
cifie
d pa
ymen
ts a
re m
ade
each
wee
k or
mon
thfo
r a
spec
ified
tim
eF
inan
ce a
nd o
ther
cha
rges
are
add
edI n
tere
st c
harg
es v
ary
Cas
h lo
ans
Bor
row
ers
sign
a n
ote
or c
ontr
act s
peci
fyin
g th
ere
paym
ent p
lan
for
mon
ey b
orro
wed
Ask
cla
ss m
embe
rs to
indi
cate
diff
eren
t ite
ms
they
hav
e ac
quire
dth
roug
h th
e us
e of
cre
dit a
nd g
roup
thes
e ite
ms
unde
r th
e ki
nd o
fcr
edit
used
.
Hav
e st
uden
ts in
vest
igat
e th
e di
ffere
nce
betw
een
open
-end
and
clos
ed-e
nd c
redi
t. D
iscu
ss th
e ch
arac
teris
tics
of th
e ki
nds
of c
redi
tun
der
each
cat
egor
y.
Ask
stu
dent
s to
vis
it di
ffere
nt r
etai
l sto
res
and
finan
cial
inst
itu-
tions
to fi
nd o
ut w
hat k
inds
of c
redi
t are
offe
red
by e
ach.
Use
info
rmat
ion
tofil
lin
com
paris
on c
hart
,in
clud
ing
fact
ors
affe
ctin
g co
st. (
3.5)
Col
lect
sev
eral
inst
illm
ent c
redi
t con
trac
ts fr
om s
tore
s an
dca
talo
gs. S
tudy
the
agre
emen
ts a
nd c
ircle
any
par
ts s
tude
nts
dono
t und
erst
and.
Invi
te a
cre
dit m
anag
er to
cla
ss fo
r di
scus
sion
.
Hav
e st
uden
ts e
xpla
in p
rom
ises
they
wou
ld m
ake
by s
igni
ng th
ecr
edit
cont
ract
s st
udie
d. (
2.6)
37
IS
1
cred
it
3.5
Cre
dit C
osts
3.51
Eve
ry h
igh
scho
ol g
radu
ate
will
rec
ogni
ze th
at c
redi
t is
ase
rvic
e, th
e co
st o
f whi
ch v
arie
sac
cord
ing
to m
any
fact
ors
in-
volv
ed in
a tr
ansa
ctio
n.
-r
3.51
1 Id
entif
y fa
ctor
s af
fect
ing
the
cost
of c
redi
t.
3.51
2 S
elec
t the
leas
t exp
ensi
ve s
ourc
e of
cred
it by
com
putin
g th
e do
llar
cost
ingi
ven
situ
atio
ns.
3.51
3 C
ompu
te in
tere
st r
ates
in g
iven
situ
atio
ns.
3.51
4 D
efin
e at
leas
t thr
ee te
rms
com
-m
only
use
d in
cre
dit t
rans
actio
ns.
Obj
ectiv
e qu
estio
n
Pro
blem
s on
obj
ectiv
ete
st
Pro
blem
s on
obj
ectiv
ete
st
Sho
rt a
nsw
er q
uest
ions
Obj
ectiv
e qu
estio
ns
38
taxo
n,-.
.)n-
1, (
Pro
gram
Con
tent
)
3.51
1 F
acto
rs a
ffect
ing
cost
s of
cre
dit:
Sou
rce
of c
redi
tA
mou
nt o
f mon
ey b
orro
wed
Leng
th o
f tim
e bo
rrow
edA
bilit
y of
bor
row
er to
rep
ay (
3.11
3)C
olla
tera
l or
secu
rity
offe
red
Cos
ts o
ther
than
fina
nce
char
ges
Am
ount
of m
oney
ava
ilabl
e fo
r lo
an (
3.11
2)B
usin
ess
cond
ition
s (3
.112
)
3.51
2 S
teps
in d
eter
min
ing
dolla
r co
st o
f cre
dit:
Add
all
cost
sS
ubtr
act t
he c
ash
pric
e of
pur
chas
e or
mon
ey a
ctua
llybo
rrow
edD
iffer
ence
is d
olla
r co
st
3.51
3 D
etet
rnin
ing
inte
rest
rat
e:S
impl
e in
tere
st fo
rmul
a:I =
prt
Ann
ual p
erce
ntag
e ra
te fo
rmul
a:I =
2 m
dp
(n+
ilI =
rat
e of
cha
rge
m =
num
ber
of p
aym
ents
in o
ne y
ear
(12
is m
onth
ly; 5
2is
wee
kly)
n =
num
ber
of p
aym
ents
to c
ompl
ete
repa
ymen
t of d
ebt
d =
tota
l fin
ance
cha
rge
in d
olla
rsp
= a
mou
nt b
orro
wed
3.51
4 T
erm
s us
ed in
cre
dit t
rans
actio
ns:
Mon
thly
inte
rest
rat
eIn
tere
st o
n un
paid
bal
ance
Add
on in
tere
stD
isco
unt i
nter
est
Rul
e of
78
Bal
loon
pay
men
t ref
inan
cing
Fin
ance
cha
rge
Ann
ual p
erce
ntag
e ra
te (
AP
R)
Invi
te a
res
ourc
e pe
rson
to e
xpla
in w
hy c
redi
t cos
tsva
ry. D
iscu
ssco
sts
othe
r th
an fi
nanc
e ch
arge
s th
at m
ight
be
incl
uded
in a
cre
dit
tran
sact
ion
(cre
dit l
ife o
r he
alth
insu
ranc
e, c
ompu
ter
char
ges,
etc.
). D
eter
min
e w
heth
er th
ese
cost
s ar
e vo
lunt
ary
or in
volu
ntar
yin
diff
eren
t situ
atio
ns a
nd w
hy th
ey a
re in
clud
ed in
'AP
R.
Use
exa
mpl
es to
sho
w th
at th
e do
llar
cost
of c
redi
t is
the
diffe
renc
e be
twee
n th
e ca
sh a
nd c
redi
t pric
e.
Def
ine
annu
al p
erce
ntag
e ra
te. S
how
exa
mpl
es o
f con
trac
ts w
ithth
isra
teci
rcle
din
red
(2.6
). S
how
stu
dent
s ho
w a
nnua
lpe
rcen
tage
rat
e is
figu
red.
Han
d ou
t cos
t com
paris
on s
heet
s an
d ha
ve s
tude
nts
figur
e do
llar
cost
s an
d an
nual
per
cent
age
rate
s fo
r tw
o pr
oble
m s
ituat
ions
.
Obt
ain
figur
es fr
om a
num
ber
of d
iffer
ent l
endi
ng a
genc
ies
(3.3
)an
d pu
t fin
ding
s on
a tr
ansp
aren
cy. D
iscu
ss: H
ow d
id th
e si
ze a
ndle
ngth
of p
aym
ents
affe
ct th
e do
llar
cost
? W
hat N
the
adva
ntag
eof
a la
rge
dow
n pa
ymen
t? W
hat a
re p
ossi
ble
disa
dvan
tage
s?
Com
pare
the
dolla
r co
st a
nd a
nnua
l per
cent
age
rate
of c
redi
tfr
om e
ach
of th
e ag
enci
es o
n th
e ch
art.
Dis
cuss
sto
re p
olic
ies
whi
ch m
ight
be
mor
e im
port
ant t
han
the
cost
of c
redi
t in
the
long
run
, gua
rant
ees,
ser
vice
pol
icie
s, e
tc.
Obt
ain
seve
ral s
ampl
e cr
edit
cont
ract
s an
d di
scus
s th
e m
eani
ng o
fth
e te
rms
they
use
.
Dis
cuss
how
the
cons
umer
is m
ade
awar
e of
cre
dit c
osts
.
39
cred
it
3.6
Con
sum
er C
redi
t Law
s
-18
3.61
Eve
ry h
igh
scho
ol g
radu
ate
will
beab
leto
judg
eth
ead
equa
cy o
f a c
redi
t tra
nsac
tion
inte
rms
ofla
ws
regu
latin
gin
tere
st r
ates
and
dis
clos
ure
in-
form
atio
n.
(Pro
gram
Con
tent
)
3.61
1 F
eder
al la
ws
regu
latin
g cr
edit:
Con
sum
er C
redi
t Pro
tect
ion
Act
Rig
hts
of c
onsu
mer
s-C
redi
t car
dC
an b
e is
sued
only
upo
n re
ques
t (ex
cept
for
rene
wal
s an
d su
bstit
utio
ns)
No
liabi
lity
afte
r no
tific
atio
n in
writ
ing
of lo
ss o
rth
eft o
f car
dLi
abili
ty m
axim
um is
S50
(no
liab
ility
if is
suer
doe
sno
t giv
eno
tific
atio
nof
pot
entia
llia
bilit
y an
dpr
ovid
e m
etho
d of
iden
tific
atio
n, s
uch
as a
sig
natu
repa
nel o
r ph
otog
raph
)Is
suer
mus
tpr
ovid
eca
rdho
lder
with
a -s
elf-
addr
esse
d, p
rest
ampe
d no
tific
atio
n ca
rd.
Tru
th in
Len
ding
pro
visi
onR
equi
res
lend
er to
dis
clos
eC
ash
pric
eC
ash
dow
n pa
ymen
tT
rade
-in
3.61
1 P
oint
out
the
viol
atio
ns o
f Tru
th in
Lend
ing
Act
in g
iven
cre
dit c
ontr
acts
and
purc
hasi
ng s
ituat
ions
.
Dis
crim
inat
e be
twee
nth
erig
hts
and
resp
onsi
bilit
ies
of th
e co
nsum
er a
nd s
elle
rin
cre
dit c
ard
tran
sact
ions
.
3.61
2 D
eter
min
e w
heth
er in
tere
st r
ates
ingi
ven
situ
atio
ns e
xcee
d th
e tp
axim
umal
low
able
by
law
.
Obj
ectiv
e qu
estio
n
Ess
ay q
uest
ion
Mat
chin
g qu
estio
n
Mul
tiple
cho
ice
ques
tions
Use
a c
hart
to s
how
sta
tuto
ry m
axim
um s
mal
l loa
n ra
tes
inO
rego
n.
Exa
min
e a
sam
ple
cred
it co
ntra
ct to
det
erm
ine
if di
sclo
sure
requ
irem
ents
of t
he T
ruth
in L
endi
ng A
ct h
ave
been
met
.
Hav
e st
uden
ts r
ole
play
situ
atio
ns in
volv
ing
canc
ella
tions
of c
redi
tco
ntra
cts
to d
eter
min
e ad
vant
ages
and
dis
adva
ntag
es o
f the
rig
htto
can
cel.
Hav
e st
uden
ts in
vest
igat
e ot
her
loca
l, st
ate
and
fede
raP
cons
umer
cred
it la
ws
and
repo
rt o
n:P
rovi
sion
s of
fhe
law
s
Way
s th
jr pr
otec
t con
sum
ers
Met
hods
of e
nfor
cing
the
law
s
Use
cas
e st
udie
s to
det
erm
ine
how
cre
dit l
aws
oper
ate.
For
inst
ance
s w
here
vib
latio
ns o
ccur
, dis
cuss
how
con
sum
er s
houl
dge
t ass
ista
nce.
ior
Use
cas
es d
iscl
osed
by
radi
o, te
levi
sion
and
/or
new
spap
ers
as b
asis
for
disc
ussi
on r
egar
ding
cur
rent
cre
dit l
aw v
iola
tions
.O
Tot
al d
own
paym
ent
Am
ount
fina
nced
, inc
ludi
ngU
npai
d ba
lanc
e of
cas
h pr
ice
Insu
ranc
e co
sts,
if a
nyF
iling
cos
ts, i
f any
Oth
er m
isce
llane
ous,
item
ized
cos
ts, i
f any
Fin
ance
cha
rge
(dol
lar
amou
nt)
Ann
ual P
erce
ntag
e R
ate
Def
erre
d pa
ymen
t pric
e (t
otal
am
ount
tobe
pai
d un
der
cont
ract
)
Dat
e fin
ance
cha
rge
begi
ns to
acc
rue
Num
ber,
am
ount
and
due
dat
es o
f pay
men
tsD
escr
iptio
n of
sec
urity
inte
rest
, if a
nyM
etho
d of
com
putin
g un
earn
ed fi
nanc
ech
arge
(in
cas
e of
pre
paym
ent)
Var
ious
oth
er it
ems
pert
aini
ng to
the
tran
s-ac
tion,
if a
pplic
able
3.61
2 S
tate
law
s re
gula
ting
cred
it:R
etai
l ins
tallm
ent s
ales
Dis
clos
ure
law
sim
ilar
to T
ruth
in L
endi
ngS
ets
no m
axim
um li
mita
tion
on fi
nanc
e ch
arge
Ban
ks c
over
ed b
y us
ury
law
sM
axim
um r
ate,
10 p
erce
nt p
er a
nnum
on
orig
inal
am
ount
of lo
anP
erso
nal f
inan
ce a
nd s
mal
l loa
n co
mpa
nies
Max
imum
loan
sS5,
000
Max
imum
rat
es o
f int
eres
t3
perc
ent p
er m
onth
on
first
$30
01
3/4
perc
ent p
er m
onth
on
unpa
id b
alan
ce b
etw
een
$300
and
$1,
000
1 1/
4 pe
rcen
t per
mon
th o
n un
paid
bal
ance
bet
wee
n$1
,000
and
$5,
000
Cre
dit u
nion
sM
axim
um 1
per
cent
a m
onth
on
unpa
id b
alan
ceA
utom
obile
loan
sN
ew c
ars
(cur
rent
or
prev
ious
mod
el y
ear)
$8 p
eran
num
per
510
0 on
prin
cipa
l bal
ance
New
and
use
d ca
rs (
two
mod
el y
ears
prio
r to
cur
rent
year
)S10
per
ann
um p
er 5
100
on p
rinci
pal b
alan
ceO
ther
use
d ca
rs$1
2 pe
r an
num
per
$10
0 on
prin
cipa
lba
lanc
eA
min
imum
cha
rge
of $
25 c
an b
e m
ade,
eve
n th
ough
grea
ter
than
cal
cula
ted
finan
ce c
harg
eP
awn
shop
s3
perc
ent p
er m
onth
on
first
$30
0$1
0 pe
r an
num
on
amou
nts
over
$30
0Lo
an s
hark
sno
max
imum
am
ount
s
Ask
stu
dent
s to
rel
ate
expe
rienc
es o
r fin
d ar
ticle
s in
new
spap
ers
or m
agaz
ines
on
uses
and
abu
ses
of c
redi
t car
ds. D
iscu
ss th
eco
nsum
er's
rig
hts
and
resp
onsi
bilit
ies
in r
elat
ion
to c
redi
t car
dtr
ansa
ctio
ns.
/41
cred
it
3.7
Cre
dit R
ecor
ds
al
to
,10
4
3.71
Eve
ry h
igh
scho
ol g
radu
ate
will
reco
gniz
eho
wfa
mily
finan
ces
and
futu
re e
mpl
oy-
abili
ty p
re a
ffect
ed b
y hi
s cr
edit
reco
rd.
3.72
Eve
ry h
igh-
scho
ol g
radu
ate
will
und
erst
and
how
.leg
isla
tion
aids
the
cons
umer
in m
aint
aini
ngan
acc
urat
e cr
edit
reco
rd.
6hf-
Tny
.(Pro
gram
Con
tent
).
3:71
1 C
redi
t bur
eaus
:41
aIs
sue
cred
it re
port
smak
ing
reas
onab
le e
ffort
to p
rovi
deac
cura
te in
form
atio
nS
ee th
at p
rosp
ectiv
e us
ers
are
prop
erly
iden
tifie
dC
ertif
y th
e pu
rpos
e fo
i see
king
info
rmat
ion
3.71
1 N
ame
at le
ast t
hree
func
tions
of
cred
it bu
reau
s.
3.71
2 P
oint
out
at l
east
thre
e us
es o
fcr
edit
repo
rts.
Pre
dict
the
cons
eque
nces
of f
ailin
g to
mai
ntai
n a
satis
fact
ory
cred
it re
cord
.
3.72
1 S
umm
ariz
e th
e le
gal p
rote
ctio
npr
ovid
ed c
onsu
mer
s by
the
Fai
r C
redi
tR
epor
ting
Act
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
nS
imul
atio
n ac
tivity
Ess
ay q
uest
ion
Hav
e cr
edit'
fitr
eau
'offi
cial
com
e to
cla
ss o
r pr
ovid
e a
few
stud
ents
with
tape
s an
d a
tape
rec
orde
r to
inte
rvie
w th
em. S
ome
ques
tions
they
mig
ht a
sk a
rd:
Why
is a
cre
dit b
urea
u ne
eded
?W
ho a
re it
s m
embe
rs?
r.
42
3.71
2 C
redi
t rep
orts
:U
ses G
rant
ing
cred
it or
col
lect
ing
acco
unts
Und
erw
ritin
g in
sura
nce
Det
erm
inin
g el
igib
ility
for
empl
oym
ent
Pro
vidi
ng c
onsu
mer
s in
form
atio
n ab
out t
heir
pers
onal
ratin
gsD
eter
min
ing
elig
ibili
ty fo
r lic
ense
or
othe
r be
nefit
by
ago
vern
men
tal u
nit (
as r
equi
red
by la
w)
Pro
vidi
ng le
gal e
vide
nce
(cou
rt o
f jur
isdi
ctio
n)C
onsu
mer
Res
pons
ibili
ties
Mai
ntai
n pr
ompt
*pa
ymen
t rec
ord
Ful
fill a
ll te
rms
of c
redi
t con
trac
tsC
onta
ct c
redi
tors
imm
edia
tely
if e
mer
genc
y pr
even
tspr
ompt
pay
men
t kP
erio
dica
lly r
evie
w c
redi
t rep
orts
3.72
1 F
air
Cre
dit R
epor
ting
Act
:A
ll in
form
atio
n m
ust b
e cu
rren
t (no
t old
er th
an s
even
yea
rs,
exce
pt r
epor
ts o
f ban
krup
tcy,
whi
ch m
ay b
e di
sclo
sed
for
14ye
ars)
Dis
clos
ure
(dis
cret
iona
ry)
Sui
ts a
nd ju
dgm
ents
Pai
d ta
x lie
nsA
ccou
nts
plac
ed fo
r co
llect
ion
or d
efau
ltR
ecor
ds o
f ind
ictm
ent a
nd c
onvi
ctio
n fr
om th
e da
tedi
spos
ition
, rel
ease
or
paro
leO
ther
adv
erse
info
rmat
ion
Not
ifica
tion
Use
rs o
f cre
dit r
epor
t tru
st a
dvis
e in
divi
dual
of u
se if
Cre
dit i
s de
nied
Cha
rge
for
cred
it is
incr
ease
dE
mpl
oym
ent i
s re
fuse
d
Rev
iew Con
sum
er h
as r
ight
to r
evie
w h
is o
wn
cred
it bu
reau
file
upon
,writ
ten
requ
est
With
out c
ost i
f den
ied
cred
itA
t "re
ason
able
" fe
e if
not d
enie
d cr
edit
Dis
pute
d in
form
atio
nA
genc
y m
ust r
einv
estig
ate
if co
nsum
er d
ispu
tes
info
rmat
ion
Con
sum
er m
ay fi
le a
100
wor
d re
butta
l if h
is fi
le is
not c
hang
ed
Wha
t are
its
purp
oses
?W
hat a
re th
e ad
vant
ages
giv
en to
the
cons
umer
?W
hat i
s in
volv
ed in
a c
redi
t inv
estig
atio
n?W
hat i
nfor
mat
ion
does
the
cred
it bu
reau
col
lect
on
indi
-vi
dual
s?C
an a
n in
divi
dual
rev
iew
his
ow
n cr
edit
repo
rt?
How
wou
ld y
ou d
escr
ibe
a po
or c
redi
t ris
k?W
hat i
s a
cred
it re
cord
and
how
is it
use
d?H
ow im
port
ant i
s a
cred
it re
cord
?H
ow d
oes
a pe
rson
pro
tect
his
cre
dit r
ecor
d?C
an a
n in
divi
dual
impr
ove
his
cred
it re
cord
by
mov
ing
to a
diffe
rent
tow
n?
Rev
iew
a c
opy
or s
umm
ary
of th
e F
air
Cre
dit R
epor
ting
Act
and
disc
uss
way
s it
prot
ects
con
sum
ers.
Use
cas
e st
udie
s an
d pr
oble
m s
titua
tions
to d
eter
min
e:Le
gal r
ecou
rse
for
cons
umer
sA
ctio
ns w
hich
hel
p or
har
m a
cre
dit r
ecor
d
43
3cr
edit
3.8
Sol
ving
Cre
dit P
robl
ems
3.81
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to e
valu
ate
priv
ate
and
gove
rnm
enta
lso
urce
sof
assi
stan
cefo
r co
nsum
ers
with
debt
or p
robl
ems.
3.82
Eve
ry h
igh
scho
ol g
radu
ate
will
unde
rsta
nd le
gal
reco
urse
avai
labl
e an
d its
impl
icat
ions
for
the
pers
on w
ho c
anno
t pay
his
debt
s.
(Pro
gram
Con
tent
)
3.81
1 S
ourc
es o
f cre
dit p
robl
em a
ssis
tanc
e:N
onpr
ofit
cred
it co
unse
ling
serv
ices
Nom
inal
fees
are
cha
rged
Sta
ff co
unse
lors
are
ava
ilabl
e to
giv
e ad
vice
on
budg
etin
gU
se o
f pro
pose
d bu
dget
pla
n is
vol
unta
ryLo
ans
are
not m
ade
Age
ncie
s in
clud
e:O
rego
n C
onsu
mer
Cre
dit
Cou
nsel
ing
Ser
vice
3.81
1 N
ame
at le
ast t
hree
loca
l age
ncie
sw
hich
pro
vide
hel
p w
ith c
redi
t pro
blem
s.
Poi
nt o
ut th
e di
ffere
nces
bet
wee
n no
n-pr
ofit
and
com
mer
cial
age
ncie
s pr
ovid
ing
debt
cou
nsel
ing
serv
ices
.
3.82
1 P
redi
ct th
e ef
fect
s of
ban
krup
tcy
on th
e fa
mily
and
com
mun
ity.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
Hav
e st
uden
ts id
entif
y ag
enci
es in
thei
r co
mm
unity
whi
ch a
reav
aila
ble
to a
ssis
t with
cre
dit p
robl
ems.
Hav
e st
uden
ts in
vest
igat
e an
d re
port
on
debt
adj
ustm
ent s
ervi
ces:
Who
spo
nsor
s th
em?
How
do
they
func
tion?
Wha
t cos
ts a
re in
volv
ed?
How
can
they
be
eval
uate
d?W
hat a
re s
ome
alte
rnat
ives
to d
ebt p
oolin
g?44
Loca
l ext
ensi
on s
ervi
ces
Var
ious
wel
fare
and
mis
sion
gro
ups
Com
mer
cial
deb
t-ad
just
men
t firm
sW
ork
out a
rep
aym
ent p
lan
with
deb
tor
and
his
cred
itors
Req
uire
deb
tor
to tu
rn o
ver
apo
rtio
n of
his
earn
ings
eac
h pa
yday
to p
ay c
redi
tors
Var
y gr
eatly
in fe
es c
harg
ed a
nd s
ervi
ces
prov
ided
Add
to to
tal d
ebt b
ecau
se o
f fee
s ch
arge
dM
ay c
harg
e ex
cess
ive
fees
and
pro
vide
cou
nsel
ing
3.82
1 Le
gal r
ecou
rse
for
cred
it pr
oble
ms:
Ban
krup
tcy
Ban
krup
tcy
Act
Giv
es c
redi
tors
an
equa
l opp
ortu
nity
to s
hare
in th
ede
btor
's p
rope
rty
Giv
es h
ones
t deb
tors
an
oppo
rtun
ity to
mak
e a
new
star
tT
ypes
of b
ankr
uptc
yV
olun
tary
: deb
tor
files
a p
etiti
on in
a fe
dera
l cou
rtas
king
to b
e de
clar
ed b
ankr
upt (
lega
lly u
nabl
e to
repa
y de
bt)
Invo
lunt
ary:
cred
itors
file
a pe
titio
n as
king
the
cour
t to
decl
are
debt
or b
ankr
upt
Ste
ps in
ban
krup
tcy
proc
edur
eP
etiti
on fi
led
in c
ourt
Cre
dito
rs fi
le c
laim
Cou
rt c
olle
cts
asse
ts a
nd s
ells
pro
pert
y of
deb
tor
Cou
rt d
istr
ibut
es p
roce
eds
amon
g cr
edito
rsE
ffect
s of
ban
krup
tcy
Rem
ains
on
cred
it bu
reau
rep
ort f
or a
14-y
ear
perio
d
Cre
dito
rs m
ay r
efus
e to
lend
mon
ey a
fter
bank
-ru
ptcy
Cre
dito
rs c
anno
t con
tinue
to u
se le
gal a
ctio
n to
colle
ctde
bts,
but m
ay c
ontin
ueto
pres
s fo
rco
llect
ion
Affe
cts
empl
oyab
ility
inoc
cupa
tions
req
uirin
gbo
ndin
gLi
mits
em
ploy
men
t pot
entia
lIn
crea
ses
fam
ily a
nd m
arita
l con
flict
s
Wag
e A
gree
men
t Pla
n
Cha
pter
XIII
, Ban
krup
tcy
Act
Allo
ws
cour
t to
supe
rvis
e th
e pr
orat
ed d
istr
ibut
ion
ofw
ages
ove
r a
two-
year
per
iod
for
paym
ent o
f deb
tsP
rovi
des
a ne
w s
tart
with
out t
he s
tigm
a of
ban
krup
tcy
Und
er w
hat c
ircum
stan
ces
wou
ld d
ebt a
djus
tmen
t be
advi
s-ab
le?
Whe
n w
ould
deb
t adj
ustm
ent s
ervi
ces
be a
dvis
able
?
Invi
te a
cou
nsel
or fr
om a
cre
dit c
ouns
elin
g ag
ency
to d
iscu
ss h
owpe
ople
can
pro
tect
thei
r cr
edit
ratin
gs a
nd w
hat t
o do
abo
utcr
edit
prob
lem
s. (
3.72
1)
Rol
e pl
ay m
embe
rs o
f a fa
mily
who
se c
redi
t is
over
-ext
ende
d.S
how
how
they
pla
n to
wor
k th
emse
lves
out
of t
his
situ
atio
n.
Invi
te a
law
yer
to s
peak
on
bank
rupt
cy; v
isit
a ba
nkru
ptcy
cou
rt.
Invi
te a
cre
dito
r to
dis
cuss
effe
cts
of b
ankr
uptc
y on
the
fam
ilyan
d co
mm
unity
.
45
4pu
rcha
se o
fgo
ods
and
serv
ices
.
purc
hase
of
good
s an
dse
rvic
es4.
1 F
acto
rsA
ffect
ing
Con
-su
mer
Pur
chas
es4.
11 E
very
hig
h sc
hool
gra
duat
ew
ill b
e ab
le to
app
ly th
e st
eps
inth
e de
cisi
on-m
akin
g pr
oces
s to
the
purc
hase
ofgo
ods
and
serv
ices
.
4.12
Eve
ry h
igh
scho
ol g
radu
ate
will
be a
ble
to r
ecog
nize
and
eval
uate
the
influ
ence
of p
er-
sona
l,so
ciet
alan
d m
arke
ting
tech
niqu
eson
pers
onal
pur-
chas
ing
deci
sion
s.
4.11
1 R
elat
e th
e st
eps
in r
espo
nsib
lede
cisi
on m
akin
g to
the
purc
hase
of g
oods
and
serv
ices
.
4.11
2 N
ame
a m
inim
um o
f fiv
e pe
rson
alfa
ctor
s th
at c
ould
influ
ence
pur
chas
ing
deci
sion
s.
Rel
ate
spen
ding
pat
tern
s to
his
val
ues
and
goal
s.
Iden
tify
cons
umer
pro
duct
s an
d pr
actic
esw
hich
are
har
mfu
l or
pote
ntia
lly h
arm
ful
to th
e en
viro
nmen
t.
Nam
e at
leas
t tw
o m
arke
ting
prac
tices
whi
ch in
fluen
ce c
onsu
mer
dec
isio
ns.
4.12
1D
escr
ibe
fact
ors
that
influ
ence
pric
es th
e co
nsum
er m
ust p
ay in
the
mar
ketp
lace
.
Iden
tify
the
valu
e of
at l
east
one
pro
mo-
tiona
l dev
ice
to th
e co
nsum
er.
Dem
onst
ratio
nsi
mul
ated
or
actu
al
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
nE
ssay
que
stio
n
Sho
rt a
nsw
er q
uest
ion
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
nE
ssay
que
stio
n
taxo
nom
y(P
rogr
am C
onte
nt)
4.11
1 S
teps
in th
e re
spon
sibl
e de
cisi
on-m
akin
g pr
oces
s:D
efin
e th
e pr
oble
mD
eter
min
e re
ason
able
alte
rnat
ives
See
k ap
prop
riate
info
rmat
ion
Wei
gh a
ltern
ativ
e ch
oice
sC
onsi
der
prin
cipl
e of
opp
ortu
nity
cos
ts: A
n im
port
ant
cost
of b
uyin
g an
ythi
ng is
the
cost
of f
oreg
one
oppo
rtu-
nitie
s or
loss
of b
enef
its th
at c
ould
res
ult f
rom
spe
ndin
gm
oney
a d
iffer
ent w
ay.
For
exa
mpl
e, a
dvan
tage
s of
an
unex
pect
ed b
arga
inpu
rcha
se s
houl
d be
wei
ghed
aga
inst
the
cost
of d
eple
ted
fund
s fo
r pl
anne
d ex
pend
iture
s.D
eter
min
e be
st c
hoic
eR
eeva
luat
e se
lect
ion
4.11
2 In
fluen
ces
on c
onsu
mer
dec
isio
ns:
Per
sona
l fac
tors
Res
ourc
es a
vaila
ble
Tim
eM
oney
Ene
rgy
Ski
lls a
nd a
bilit
ies
Cre
dit
Age
, mar
ital s
tatu
s, a
nd s
exC
usto
ms
and
back
grou
ndIn
divi
dual
and
fam
ily n
eeds
and
wan
tsLe
vels
of n
eeds
(M
aslo
w)
Firs
t lev
elfo
od, c
loth
ing,
and
she
lter
Sec
ond
leve
lsaf
ety
and
secu
rity
Thi
rd le
vello
ve a
nd b
elon
ging
ness
Fou
rth
leve
lsel
f-re
spec
t and
sel
f-es
teem
Fift
h le
vels
elf-
actu
aliz
atio
nW
ants
(lu
xurie
s)ar
eno
t ess
entia
l and
diff
er w
ithin
divi
dual
sIn
divi
dual
and
fam
ily v
alue
s an
d go
als
expr
esse
d th
roug
hC
hoic
esD
ecis
ions
Use
of g
oods
Use
of t
ime
and
ener
gyS
pend
ing
patte
rns
Usi
ng p
robl
em s
ituat
ions
, hav
e st
uden
ts c
hoos
e be
twee
n tw
ode
sira
ble
expe
nditu
res
whe
n on
ly o
ne is
pos
sibl
e. F
ollo
w w
ithdi
scus
sion
unt
il al
l the
ste
ps in
the
deci
sion
mak
ing
proc
ess
have
been
cle
arly
out
lined
. Dis
cuss
the
prin
cipl
e of
opp
ortu
nity
cos
ts.
Hav
e st
uden
ts li
st s
ome
of th
e be
st b
uys
they
hav
e m
ade
and
som
e of
the
wor
st b
uys
in te
rms
of p
erso
nal s
atis
fact
ion
rece
ived
.D
ecid
e w
hat m
ade
each
turn
out
as
it di
d an
d if
the
deci
sion
-m
akin
g pr
oces
s w
as u
sed
in e
ach
case
.
Res
earc
h pr
ojec
ts
Hav
e st
uden
ts, i
ndiv
idua
lly o
r in
pai
rs, s
elec
t an
item
they
pla
n to
purc
hase
in th
e ne
ar fu
ture
. Pro
ceed
thro
ugh
step
s in
dec
isio
n -
mak
ing
proc
ess.
Hav
e st
uden
ts:
Inte
rvie
w s
ales
peo
ple
Exa
min
e th
e pr
oduc
tR
esea
rch
com
para
ble
cost
sO
rgan
ize
info
rmat
ion
and
repo
rt to
cla
ss
Dev
elop
a tr
ansp
aren
cy o
f Mas
low
's H
iera
rchy
of N
eeds
toill
ustr
ate
basi
c ne
eds.
Dis
play
pic
ture
s fr
om m
agaz
ines
on
a bu
lletin
boa
rd u
nder
capt
ions
"N
eeds
," "
Con
veni
enbe
s,"
"Lux
urie
s."
Hav
e st
uden
tsco
mpa
re th
eir
own
need
s an
d w
ants
to th
ose
illus
trat
ed a
ndex
plai
n w
hy th
ey m
ay d
iffer
.
List
on
the
chal
kboa
rd s
ome
typi
cal g
oals
of t
eena
gers
and
som
eva
lues
on
whi
ch th
ese
goal
s m
ay b
e ba
sed.
Dis
cuss
how
thes
efa
ctor
s m
ight
influ
ence
an
indi
vidu
al's
con
cept
of n
eeds
and
luxu
ries.
Hav
e st
uden
ts d
iscu
ss th
e qu
estio
n: H
ow o
ften
have
you
cut
dow
n on
bas
ic n
eces
sitie
s, li
ke e
atin
g, to
buy
luxu
ries?
Dis
cuss
the
impo
rtan
ce o
f rec
ogni
zing
that
whe
neve
r on
e ne
ed o
r w
ant i
ssa
tisfie
d by
the
purc
hase
of a
n ite
m, o
ther
pos
sibl
e ch
oice
s ar
elo
st.
Hav
e st
uden
ts c
ompa
re g
oals
typi
cal o
f:S
tude
nts
Sin
gle
adul
tsN
ewly
mar
ried
coup
les
Beg
inni
ng fa
mili
esG
row
ing
fam
ilies
Ret
ired
pers
ons
(con
tinue
d)49
taxo
nom
y(P
rogr
am C
onte
nt)
4.11
2 (c
ontin
ued)
Val
uesg
ener
al g
uide
s w
hich
tend
to g
ive
dire
ctio
n to
life
Are
influ
ence
d by
exp
erie
nce
and
envi
ronm
ent
Cha
nge
cons
tant
lyG
oals
ambi
tions
or
desi
res
that
gro
w o
ut o
f one
's v
alue
syst
em Sho
rt-t
erm
and
long
-ter
mC
hang
e co
nsta
ntly
Soc
ieta
l fac
tors
The
eco
nom
y (5
.1)
Tec
hnol
ogic
al c
hang
esE
duca
tion
Spe
cial
res
earc
hS
pace
pro
gram
Aut
o in
dust
ryE
colo
gica
l con
cern
sU
se o
f nat
ural
and
hum
an r
esou
rces
Abu
se o
f phy
sica
l env
ironm
ent
Sta
tus
atta
inm
ent
Influ
ence
of p
eer
grou
pIn
fluen
ce o
f med
iaIn
fluen
ce o
f eth
nic
and
econ
omic
her
edity
Mar
ketin
g fa
ctor
sA
dver
tisin
g (4
.2)
Typ
es o
f sto
res
and
faci
litie
s (4
.411
)P
ricin
g po
licie
s de
term
ined
by:
Sup
ply
and
dem
and
Cos
t of m
erch
andi
seS
tore
exp
ense
sC
ompe
titor
s' p
rices
Mar
gin
of p
rofit
Pric
ing
as p
rom
otio
nal t
echn
ique
Loss
lead
ers
Cle
aran
ce p
rices
Odd
num
ber
pric
esM
ultip
le p
rices
Pric
e di
scrim
inat
ion
Oth
er p
rom
otio
nal t
echn
ique
spro
duct
diff
eren
tiatio
nD
ispl
ays
Con
test
s an
d ga
mes
Tra
ding
sta
mps
Dis
coun
t offe
rsP
acka
ging
Cou
pons
Fre
e se
rvic
es
ienc
esH
ave
stud
ents
dis
cuss
:W
hat m
ajor
exp
endi
ture
s us
ually
occ
ur a
t eac
h st
age?
Wha
t is
the
valu
e of
pla
nnin
g sp
endi
ng b
ased
on
long
rang
ego
als?
Deb
ate
whe
ther
a fa
mily
's s
tand
ard
of li
ving
is c
hief
ly d
eter
min
edby
its
inco
me,
or
valu
es a
nd g
oals
.
Use
atr
ansp
aren
cy o
r bu
lletin
boa
rd to
out
line
the
goal
s,su
bgoa
ls, a
ndre
sour
ces
of a
hypo
thet
ical
con
sum
er. C
hart
alte
rnat
ive
rout
es h
e m
ight
nee
d to
take
bec
ause
of a
sca
rcity
of
reso
urce
s. D
iscu
ss h
ow th
is p
roce
ss le
ads
to s
elf a
ctua
lizat
ion.
Dis
cuss
soc
ieta
l inf
luen
ces
on th
e co
nsum
er. H
ave
stud
ents
div
ide
into
grou
ps to
stu
dyth
eef
fect
of t
echn
olog
ical
cha
nges
,ec
olog
ical
fact
ors,
and
sta
tus
atta
inm
ent o
n co
nsum
er d
ecis
ions
.
Dis
cuss
:W
hat c
onsu
mpt
ion
habi
ts m
ust c
onsu
mer
s ch
ange
bef
ore
abe
tter
envi
ronm
ent c
an b
e re
aliz
ed?
Wha
t dec
isio
ns m
ust c
onsu
mer
s m
ake
in r
elat
ion
to c
osts
of
envi
ronm
enta
l im
prov
emen
ts?
Hav
e st
uden
ts b
ring
exam
ples
of v
ario
us p
rom
otio
nal d
evic
es to
clas
s an
d di
spla
y on
bul
letin
boa
rd fo
r di
scus
sion
. Div
ide
into
grou
ps to
res
earc
h th
e va
lue
of th
ese
devi
ces
to th
e co
nsum
er:
Tra
ding
sta
mps
Com
pare
sto
res
that
do
and
do n
ot g
ive
stam
psC
ompa
re th
e va
riety
and
qua
lity
of m
erch
andi
se g
iven
ina
stam
pboo
k w
ith s
elec
tion
in r
etai
l sto
res
Con
test
s an
d ga
mes
Brin
g ex
ampl
es o
f con
test
s an
d di
scus
s w
hat i
s do
ne to
mak
e th
e co
nsum
er th
ink
he h
as a
bet
ter
chan
ce o
fw
inni
ng th
an h
e do
es?
Rea
d so
me
of th
e re
cent
art
icle
s on
con
test
s an
d pr
izes
.D
ispl
ays
and
stor
e ar
rang
emen
tsH
ave
com
mitt
ees
visi
t sup
erm
arke
t and
dep
artm
ent
stor
es to
stu
dy fl
oor
arra
ngem
ent,
shel
f arr
ange
men
ts,
barg
ain
pric
es, d
ispl
ays,
and
free
sam
ples
.
Tal
k to
man
ager
abo
ut m
arke
ting
tech
niqu
es u
sed
and
repo
rt fi
ndin
gs.
Dis
cuss
pac
kagi
ng a
s a
mar
ketin
g te
chni
que.
Ask
ifan
yone
has
eve
r pu
rcha
sed
an it
em b
ecau
se o
f the
pack
age.
Wer
e th
ey p
leas
ed o
r de
ceiv
ed?
Wha
t was
itth
at s
timul
ated
them
to b
uy?
50
purc
hase
of
good
s an
dse
rvic
es4.
2 T
he R
ole
of A
dver
tisin
g.4.
21 E
very
hig
h sc
hool
gra
duat
ew
ill b
e ab
le to
ana
lyze
the
effe
ctof
adv
ertis
ing
on h
is c
hoic
e of
good
s an
d se
rvic
es.
(Pro
gram
Con
tent
)
4.21
1 O
utle
ts fo
r ad
vert
isin
g:N
ewsp
aper
sM
agaz
ines
Circ
ular
sC
atal
ogs
Bro
chur
es, m
ailin
g lis
tsY
ello
w p
ages
of p
hone
boo
kD
oor-
to-d
oor
sale
smen
Con
test
sP
rom
otio
n gi
veaw
ays
Rad
ioT
elev
isio
nB
illbo
ards
Pac
kagi
ng
4.21
2 A
dvan
tage
s an
d di
sadv
anta
ges
of a
dver
tisin
g:A
dvan
tage
s fo
r co
nsum
erIn
form
ativ
e va
lue
Intr
oduc
es n
ew p
rodu
cts
Exp
lain
s fu
nctio
ns o
f new
pro
duct
s
4.21
1 Li
st a
t lea
st fi
ve o
utle
ts fo
r ad
ver-
tisin
g.
4.21
2 Id
entif
y th
e ad
vant
ages
and
dis
-ad
vant
ages
ofad
vert
isin
gfo
rth
eco
nsum
er.
4.21
3D
iscr
imin
ate
betw
een
info
rma-
tiona
l and
mot
ivat
iona
l ads
.
4.21
4 A
ppra
ise
the
valu
e an
d ac
cura
cy o
fva
rious
ads
in r
elat
ion
to th
eir
obje
ctiv
ity.
4.21
5 S
how
how
the
cons
umer
can
hel
pin
fluen
ce a
dver
tisin
g pr
actic
es.
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
nM
ultip
le c
hoic
e qu
estio
n
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
nE
ssay
que
stio
n
Ess
ay q
uest
ion
Writ
ten
proj
ect
Hav
e st
uden
t dis
cuss
:Is
the
qual
ity o
f adv
ertis
ing
chan
ging
? H
ow?
Wha
t are
som
e so
urce
s of
mod
ern
adve
rtis
ing
tech
niqu
es?
How
doe
s ad
vert
isin
g be
nefit
the
selle
r, th
e co
nsum
er, a
ndth
e ec
onom
y?W
hat a
re s
ome
disa
dvan
tage
s of
adv
ertis
ing?
Invi
te q
ualif
ied
peop
le to
dis
cuss
the
psyc
holo
gy o
f adv
ertis
ing.
Pla
y ta
pes
of r
adio
com
mer
cial
s or
tape
TV
com
mer
cial
s an
dan
alyz
e ho
w e
ach
com
mer
cial
mak
es a
n ap
peal
to th
e co
nsum
er.
Wor
k w
ith o
ther
cla
sses
, and
loca
l rad
io a
nd T
V s
tatio
ns.
Hav
e st
uden
ts d
evel
op ty
pica
l ads
whi
ch a
ppea
l to
spec
ific
audi
ence
s. E
valu
ate
ads
in te
rms
of ty
pe o
f app
eal.
Hav
e ea
ch s
tude
nt s
elec
t an
appe
alin
g ad
vert
isem
ent a
nd a
naly
zeit
by a
nsw
erin
g su
ch q
uest
ions
as:
Wha
t kin
d of
app
eal d
oes
it ha
ve?
Wha
t doe
s th
e ad
vert
isem
ent t
ell a
bout
the
prod
uct?
52
Iden
tifie
s so
urce
s of
pro
duct
s or
ser
vice
sId
entif
ies
prod
ucts
or
serv
ices
ava
ilabl
eC
ompa
res
prod
ucts
(si
ze, p
rice)
Pro
mot
iona
l val
ueC
reat
es p
rodu
ct a
nd b
rand
loya
ltyE
stab
lishe
s an
imag
e fo
j a p
rodu
ctM
otiv
ates
con
sum
er to
buy
Diff
eren
tiate
s a
prod
uct f
rom
its
com
petit
ion
Eco
nom
ic v
alue
Stim
ulat
es e
cono
my
by s
timul
atin
g sp
endi
ngD
isad
vant
ages
for
cons
umer
May
incr
ease
pro
duct
cos
tIn
form
s on
ly a
s pa
rt o
f the
sal
es te
chni
que
May
use
em
otio
nal a
ppea
lto
pro
mot
e de
man
d fo
run
nece
ssar
y pr
oduc
tsM
ay b
e ab
used
(ex
ampl
es)
(3.6
and
5.4
)F
alse
bar
gain
sM
isle
adin
g or
dec
eptiv
e us
e of
info
rmat
ion
and
pric
ing
Fal
se v
erba
l cla
ims
and
"tra
de p
uffs
"
4.21
3 A
dver
tisin
g te
chni
ques
:A
ppea
l to
emot
ions
Nee
d to
be
liked
by
othe
rsN
eed
to fe
el s
afe
and
secu
reC
once
rn fo
r lo
ved
ones
App
eal t
o lo
gic
Nee
d to
feel
that
dec
isio
ns a
re in
form
ed a
nd r
atio
nal
App
eal t
o eg
oN
eed
to fe
el b
ette
r ab
out o
nese
lfT
hrou
gh c
onfo
rmity
Thr
ough
non
conf
orm
ity
4.21
4 C
riter
ia fo
r ev
alua
tion:
Pro
vide
s ac
cura
te in
form
atio
nP
rovi
des
suffi
cien
t inf
orm
atio
n to
per
mit
choi
ces
Dem
onst
rate
s go
od ta
ste
Is s
uffic
ient
ly r
ealis
ticS
how
s cr
eativ
ityD
oes
not a
nnoy
or
irrita
teIs
app
ropr
iate
for
inte
nded
aud
ienc
e
4.21
5 C
onsu
mer
pre
caut
ions
:P
atro
nize
sto
res
enga
ging
in g
ood
adve
rtis
ing
prac
tices
Rep
ort f
raud
ulen
t adv
ertis
ing
tech
niqu
es to
sto
res
and/
orag
ency
con
cern
ed w
ith r
egul
atio
nE
valu
ate
emot
ion&
impa
ct o
n pe
rcep
tion
of n
eed
Und
erst
and
inte
nt o
f adv
ertis
ing
and
rela
te to
pur
chas
ing
deci
sion
s (4
.1)
Is th
e in
form
atio
n ad
equa
te?
Is th
e ad
in g
ood
tte
?
Is th
e ad
fact
ual?
Doe
s th
e ad
app
eal t
o a
spec
ific
audi
ence
?
Dis
cuss
som
e sp
ecifi
c ab
uses
of a
dver
tisin
g. F
ind
exam
ples
and
have
stu
dent
s .lo
ok a
t the
ads
they
hav
e an
alyz
ed a
gain
and
mar
kin
form
ativ
e fa
cts
in r
ed. A
ttent
iong
ettin
g de
vice
s an
d tr
ade
puffs
shou
ld b
e m
arke
d in
ano
ther
col
or. D
iscu
ss r
esul
ts a
nd p
lace
ads
on b
ulle
tin b
oard
.
Wor
k in
gro
ups
to d
evel
op a
che
cklis
t for
eva
luat
ing
ads.
Hav
egr
oups
eva
luat
e ad
s on
the
bulle
tin b
oard
, rew
ritin
g se
vera
l of t
hepo
orer
one
s in
ord
er to
impr
ove
them
.
Dis
cuss
the
cons
umer
's r
ole
and
gove
rnm
ent's
rol
e in
ach
ievi
nghi
gher
sta
ndar
ds o
f adv
ertis
ing.
Hav
e 's
tude
nts
with
legi
timat
e co
mpl
aint
s or
com
plim
ents
abo
utsp
ecifi
cad
s w
rite
to th
e pr
oper
aut
horit
ies
(man
ufac
ture
r,F
eder
al T
rade
Com
mis
sion
,lo
cal
tele
visi
on s
tatio
n, n
etw
ork
tele
visi
on, l
ocal
sto
re, l
ocal
new
spap
er).
4pu
rcha
se o
fgo
ods
and
serv
ices
4.3
Gui
delin
es fo
r S
hopp
ers
or o
gr9
. I
g0 4.31
Eve
ry h
igh
scho
ol g
radu
ate
will
know
how
tous
e w
ise
shop
ping
and
buy
ing
proc
edur
es.
taxo
nom
t (P
rogr
am C
onte
nt)
4.31
1 S
ave
thro
ugh
plan
ning
pur
chas
es:
Dis
tingu
ish
betw
een
imm
edia
te a
nd lo
ng-r
ange
nee
dsU
se s
hopp
ing
list f
or im
med
iate
nee
dsIn
clud
e si
zes
and
amou
nts
Spe
cify
bra
nds
pref
erre
d an
d pr
ice
limits
Org
aniz
e lis
t by
stor
e lo
catio
ns a
nd la
yout
sS
hop
for
long
-ran
ge n
eeds
Loca
te it
ems
need
edC
heck
sto
re p
olic
ies
or s
ales
Wat
ch fo
r sa
le a
nnou
ncem
ents
4.31
2 P
reca
utio
ns fo
r ba
rgai
n pu
rcha
sing
:E
xam
ine
mer
chan
dise
car
eful
ly a
s sa
le it
ems
are
usua
lly n
otre
turn
able
Con
side
r po
ssib
le c
osts
for
upke
ep a
nd r
epai
rIn
clud
e ex
pens
e in
volv
ed in
sho
ppin
g, s
uch
as b
abys
itter
epa
rkin
g, tr
ansp
orta
tion,
to s
ale
pric
es
4.31
1 Li
st th
e ki
nds
of in
form
atio
n a
shop
ping
pla
n sh
ould
incl
ude.
4.31
2 Id
entif
y te
chni
ques
for
assu
ring
that
"sa
le"
purc
hase
s ar
e re
ally
bar
gain
s.
4.31
3 P
redi
ct th
e ef
fect
of e
mot
iona
lm
oods
on
purc
hasi
ng d
ecis
ions
.
4.31
4 Id
entif
y a
best
buy
usi
ng p
rice-
qual
ity F
ompa
rison
s.
4.31
5 P
oint
out
impo
rtan
t fac
ts th
atsh
ould
be
chec
ked
in a
ll w
arra
ntie
s an
dgu
aran
tees
at t
ime
of p
urch
ase.
4.31
6 Li
st a
t lea
st fo
ur s
ourc
es o
f in-
form
atio
n ab
out a
giv
en p
rodu
ct o
rse
rvic
e.
sugg
este
d le
arni
nex
perie
nces
Sho
rt a
nsw
er q
uest
ion
Dem
onst
ratio
nsi
mul
ated
or
actu
al
Obj
ectiv
e qu
estio
n
Pro
blem
on
obje
ctiv
e te
st
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Dis
cuss
the
adva
ntag
es o
f pla
nnin
g ah
ead
befo
re s
hopp
ing.
Hav
est
uden
ts m
ake
and
use
shop
ping
list
and
rep
ort a
ny im
prov
emen
tsin
spe
ndin
g pa
ttern
s.
Hav
e st
uden
ts e
xam
ine
mer
chan
dise
on
sale
and
try
to d
eter
min
eth
e re
ason
s it
is o
n sa
le.
Is it
out
date
d?Is
it s
oile
d?Is
it o
f poo
r qu
ality
?
Hav
e gr
oups
or
indi
vidu
al s
tude
nts
repo
rt fi
ndin
gs to
cla
ss. C
heck
the
quan
tity
and
pric
e of
goo
ds a
vaila
ble
on th
e,fir
st a
nd th
e la
stda
y of
a s
ale
and
disc
uss
som
e fa
ctor
s to
wat
chfo
r w
hen
shop
ping
sal
es a
nd m
ake
a lis
t of "
Tip
s to
Sho
pper
s."
Rev
iew
ads
in n
ewsp
aper
s an
d lis
t ter
ms
used
in s
ales
pro
mot
ion.
Dis
cuss
"re
al"
mea
ning
s an
d im
plic
atio
ns.
54
Che
ck g
uara
ntee
s an
d se
rvic
es (
4.31
4)C
heck
the
orig
inal
pric
e of
sal
e ite
ms
Sho
p th
e fir
st d
ay o
f sal
e to
insu
re g
reat
est s
elec
tion
ofm
erch
andi
seS
hop
the
last
day
of s
ale
to fi
nd it
ems
redu
ced
for
quic
k sa
leU
nder
stan
d m
arke
ting
term
s"S
ale"
mea
ns o
fferin
g go
ods
at a
pric
e, n
ot n
eces
saril
y at
a re
duce
d pr
ice
"Cle
aran
ce"
mea
ns a
des
ire to
sel
l all
mer
chan
dise
list
ed,
but n
ot n
eces
saril
y at
red
uced
prib
es"L
iqui
date
" m
eans
to tu
rn in
to c
ash,
but
not
nec
essa
rily
to s
ell a
t low
er p
rice
4.31
3 A
void
impu
lse
buyi
ng:
Mak
e on
ly p
lann
ed fo
r pu
rcha
ses
Be
cons
ciou
s of
em
otio
nal m
oods
whe
n sh
oppi
ng; a
void
shop
ping
dur
ing
Per
iods
of s
tres
sE
nd o
f cris
isP
erso
nal l
onel
ines
s
4.31
4 C
heck
pric
equa
lity
rela
tions
hips
:C
heck
uni
t pric
es to
mak
e pr
iceq
uant
ity c
ompa
rison
s
Use
form
ula
for
mak
ing
diffi
cult
pric
equa
lity
com
paris
ons
Qua
lity
ratin
gP
rice
base
d on
100
poin
ts8.
5E
xam
ple:
Item
1 P
rice
S10
/ Poi
nts-
85 6.6
Item
2 P
rice
S12
/ Poi
nts-
80 6.0
Item
3 P
rice
S15
/ Poi
nts-
90
Kno
w v
alue
of p
ricin
g st
atem
ents
use
d by
ret
aile
rsS
tate
men
ts o
f litt
le v
alue
"Man
ufac
ture
r's li
st p
rice"
"Sug
gest
ed r
etai
l pric
e""C
ompa
rabl
e va
lue"
Sus
pici
ous
stat
emen
ts"P
rice
S25
, wor
th S
40"
Gen
eral
ly tr
ustw
orth
y st
atem
ents
"Our
reg
ular
pric
e is
..."
"Sim
ilar
mer
chan
dise
has
sol
d in
our
sto
re fo
r.1
8
Hav
e ea
ch s
tude
nt m
ake
a st
udy
of h
is o
wn
impu
lse
buyi
ng h
abits
and
repo
rt th
em to
the
clas
s. H
old
a sy
mpo
sium
, inc
ludi
ngre
sour
ce p
eopl
e fr
om th
e co
mm
unity
, to
disc
uss:
Wha
t effe
ct d
o su
ch fa
ctor
s as
col
or a
nd a
ttrac
tive
disp
lay
have
on
buyi
ng p
ract
ices
?W
hat m
ight
be
som
e ef
fect
s of
em
otio
nal m
ood
on p
ur-
ch ;i
ng?
Wha
t sug
gest
ions
can
be
mad
e fo
r im
prov
ing
buyi
ng h
abits
?
Dis
cuss
som
e di
fficu
lties
enc
ount
ered
whe
n tr
ying
to d
eter
min
e a
real
bar
gain
. Inc
lude
a d
iscu
ssio
n of
pric
ing
phra
ses
ofte
n us
ed in
reta
il st
ores
and
dis
cuss
pric
e as
an
indi
cato
r of
qua
lity.
Hav
epr
actic
eus
ing
the
form
ula
for
mak
ing
pric
e-qu
ality
com
paris
ons.
Hav
e st
uden
ts m
ake
cost
, qua
lity,
and
qua
ntity
com
paris
ons.
For
exa
mpl
e; e
valu
ate
diffe
rent
bra
nds
of m
ixed
nut
s, o
r in
coop
erat
ion
with
hom
emak
ing
stud
ents
, com
pare
piz
zas
from
a gr
ocer
y st
ore
(fre
sh o
r fr
ozen
) w
ith th
ose
mad
e fr
om s
crat
ch.a
t hom
e an
d th
ose
purc
hase
d at
piz
za p
arlo
r. D
iscu
ss m
etho
dsof
figu
ring
the
unit
cost
of e
ach
item
.
Dis
cuss
are
cent
cou
rtru
ling
that
:"O
rdin
arily
the
wor
d'g
uara
ntee
' or
'war
rant
y'is
inco
mpl
ete
unle
ssit
is u
sed
inco
nnec
tion
with
oth
er e
xpla
nato
ry w
ords
. To
say
a pr
oduc
t is
guar
ante
ed is
mea
ning
less
. Wha
t is
the
guar
ante
e? T
he a
nsw
er to
this
que
stio
n is
all
that
giv
es m
eani
ng to
the
wor
d 'g
uara
ntee
d.' "
Hav
e pu
pils
brin
g in
exa
mpl
es o
f war
rant
ies
or g
uara
ntee
s. C
heck
for
the
follo
win
g in
eac
h:D
oes
it gu
aran
tee
the
who
le p
rodu
ct o
r ju
st p
art o
f it?
Wha
tpa
rt o
r pa
rts?
Doe
s it
guar
ante
e w
hat i
t will
do?
Wha
t is
it m
ade
of?
How
long
it w
ill la
st?
How
long
doe
s th
e gu
aran
tee
last
?H
ow w
ill th
e gu
aran
tor
perf
orm
?D
oes
the
guar
anto
r re
plac
e or
ref
und
in c
ase
of d
efec
ts o
rfa
ilure
s?
Dis
cuss
gua
rant
ees
on a
pro
rate
d ba
sis.
Sho
w w
hat p
art o
f the
repl
acem
ent c
ost t
he c
onsu
mer
mus
t bea
r fo
r ea
ch ti
me
inte
rval
of u
se.
Dis
cuss
the
follo
win
g qu
estio
ns:
If a
guar
ante
e re
ads,
"sa
tisfa
ctio
n or
you
r m
oney
bac
k,"
wha
tre
spon
sibi
lity
does
the
cons
umer
hav
e?
Sho
uld
he r
etur
n th
e pu
rcha
sed
item
sim
ply
beca
use
he h
asch
ange
d hi
s m
ind?
On
wha
t typ
es o
f pur
chas
es a
re g
uara
ntee
s m
ost i
mpo
rtan
t?
(con
tinue
d)55
(Pro
gram
Con
tent
)
(con
tinue
d)
4315
Che
ck g
uara
ntee
s an
d w
arra
ntie
s:K
inds E
xten
ded,
with
ser
vice
con
trac
tsS
atis
fact
ion
or m
oney
bac
kLi
fetim
eG
uara
ntee
d sa
ving
sP
rora
ted
adju
stm
ent a
rran
gem
ents
At p
urch
ase
time
be s
ure
you
know
Pro
visi
ons
Per
iod
of p
rote
ctio
nE
xten
t of c
over
age
Exc
eptio
ns a
nd c
ondi
tions
(e.
g., w
heth
er r
epai
rs o
rin
stal
latio
n m
ust b
e do
ne b
y an
aut
horiz
ed a
gent
;w
heth
er th
e w
arra
nty
will
be e
ffect
ive
ifth
eco
nsum
er m
oves
)Lo
catio
n an
d re
spon
sibi
lity
of r
epai
r or
repl
acem
ent
serv
ice
Am
ount
of p
rote
ctio
n of
fere
d (e
.g.,
whe
ther
adj
ust-
men
t is
base
d on
mar
ket p
rice
or p
rora
ted
on th
em
anuf
actu
rer's
"lis
t" o
r "s
ale
pric
e")
4.31
6 U
se s
ourc
es o
f con
sum
er in
form
atio
n:P
ublic
atio
nsC
onsu
mer
Bul
letin
Con
sum
er R
epor
t and
"B
uyin
g G
uide
" is
sues
Goo
d H
ouse
keep
ing
Par
ents
Mag
azin
eC
hang
ing
Tim
esG
over
nmen
t bul
letin
sN
ewsp
aper
art
icle
sIn
form
ativ
e la
bels
Goo
d in
form
ativ
e la
bels
sho
uld
tell:
Wha
t the
item
is m
ade
ofS
ize
and
num
ber
Car
e ne
eded
Inst
ruct
ions
for
use
Per
form
ance
info
rmat
ion
Nam
e an
d ad
dres
s of
man
ufac
ture
rB
rand
nam
esD
o no
t nec
essa
rily
guar
ante
e qu
ality
Con
sum
ersh
ould
shop
and
com
pare
befo
reac
cept
ing
bran
d na
mes
as
guid
es to
pur
chas
ing
Gra
de la
belin
gS
ales
peop
leF
amily
and
frie
nds
Adv
ertis
ina
(4.2
)4.
, Air.
Tal
k ab
out t
he "
year
(s)
and
mile
" se
rvic
e po
licy
on c
ars.
Hav
epu
pils
col
lect
pam
phle
ts o
n th
e w
arra
ntie
s of
diff
eren
t aut
o-m
obile
man
ufac
ture
rs. C
ompa
re th
e co
sts
of v
ario
us s
ervi
ces
such
as b
rake
ove
rhau
l, tu
neup
, tra
nsm
issi
on r
esea
ling,
etc
., se
ldom
cove
red
by a
war
rant
y.
Hav
e st
uden
ts c
ompa
re th
e pr
ice
of fi
ve id
entic
al b
rand
nam
eite
ms
in th
ree
com
petit
ive
stor
es, u
sing
com
para
ble
units
of
mea
sure
. Dis
cuss
the
pric
ing
proc
ess
to d
eter
min
e re
ason
s fo
rsi
mila
ritie
s or
diff
eren
ces.
Ass
ign
grou
ps to
inve
stig
ate,
eva
luat
e, a
nd r
epor
t on
sour
ces
ofco
nsum
erin
form
atio
n. H
ave
grou
ps d
evel
opch
eckl
ists
for
eval
uatin
g th
e ob
ject
ivity
and
use
fuln
ess
of th
e so
urce
. Dis
cuss
,fact
ors
toco
nsid
er w
hen
seek
ing
info
rmat
ion
from
oth
erco
nsum
ers.
Hav
est
uden
tsre
port
ing
on C
onsu
mer
Bul
letin
, Con
sum
erR
epor
ts, a
nd a
nnua
ls e
xam
ine
copi
es o
f the
mag
azin
es fo
r sp
ecifi
cin
form
atio
n ab
out t
este
d pr
oduc
ts. G
roup
s m
ight
dec
ide
to te
stite
ms
for
the
clas
s. u
sing
sim
ilar
proc
edur
es.
Hav
est
uden
tsin
vest
igat
ing
labe
ling
find
out w
hat
lega
l
requ
irem
ents
are
for
cert
ain
kind
s of
mer
chan
dise
, suc
h as
cosm
etic
s, te
xtile
pro
duct
s, u
phol
ster
ed fu
rnitu
re. I
nves
tigat
equ
aliti
es o
f a g
ood
labe
l.
Hav
e st
uden
ts k
eep
reco
rds
of in
form
atio
n ob
tain
ed fr
om s
ales
pers
onne
l dur
ing
a w
eek'
s tim
e. D
iscu
ss th
e ac
cura
cy o
f the
info
rmat
ion
rece
ived
. The
y co
uld
also
inte
rvie
w v
ario
us s
ales
-pe
ople
, rec
ordi
ng r
espo
nses
to th
e fo
llow
ing
inco
mpl
ete
stat
e-m
ents
:I d
islik
e w
aitin
g on
peo
ple
who
:I e
njoy
wai
ting
on p
eopl
e w
ho:
Set
up
a co
nsum
er in
form
atio
n ce
nter
with
exa
mpl
es o
f mat
eria
lsfr
om e
ach
sour
ce.
56
purc
hase
of
good
s an
dse
rvic
es4.
4 R
etai
l Out
lets
and
Ser
vice
s4.
41 E
very
hig
h sc
hool
gra
duat
ew
illbe
able
toan
alyz
e th
efa
ctor
s af
fect
ing
choi
ce o
f ret
ail
outle
ts.
4.42
Eve
ry h
igh
scho
ol g
radu
ate
will
kno
w h
ow to
sho
p fo
rse
rvic
es.
(Pro
gram
Con
tent
)
4.41
1 F
acto
rs a
ffect
ing
choi
ce o
f ret
ail o
utle
ts:
Typ
es Dep
artm
ent s
tore
Var
iety
sto
reM
embe
rshi
p st
ore
Cha
in s
tore
Doo
r-to
-doo
r sa
lesm
anS
peci
ality
sho
pD
isco
unt s
tore
4.41
1 P
oint
out
the
type
of r
etai
l est
ab-
lishm
ent t
hat w
ould
pro
vide
the
best
faci
litie
s an
d se
rvic
es fo
r co
nsum
ers
with
vario
us s
hopp
ing
need
s.
4.42
1 O
utlin
e m
ajor
poi
nts
to c
onsi
der
inth
e se
lect
ion
of r
epai
r an
d ot
her
type
s of
serv
ices
.
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Dis
cuss
type
s of
ret
ail e
stab
lishm
ents
ava
ilabl
e in
the
com
mun
ity.
Hav
e gr
oups
cho
ose
type
s of
ret
ail s
tore
to in
vest
igat
e. D
iscu
sssh
oppi
ng fa
cilit
ies
and
serv
ices
ava
ilabl
e, s
uch
as p
hysi
cal p
lant
,cr
edit
and
appr
oval
priv
ilege
s, e
tc. W
here
pos
sibl
e, h
ave
each
grou
p sh
op fo
r th
e sa
me
item
. Use
a c
heck
list t
o re
port
find
ings
.A
s st
uden
ts v
isit
a st
ore;
they
mig
ht 'o
btai
n pr
elim
inar
y in
form
a-tio
n fo
r th
eir
own
buyi
ng s
tudy
.
Hav
e on
e gr
oup
inve
stip
te m
ail o
rder
buy
ing
and
disc
uss
the
follo
win
g qu
estio
ns:
Sup
erm
arke
tM
ail o
rder
cat
alog
Cha
ract
eris
tics
whi
ch a
ffect
cho
ice
Loca
tion
Layo
utA
tmos
pher
eS
ervi
ces
and
polic
ies
Cas
h an
d ca
rry
Cha
rge
acco
unts
Inst
allm
ent p
urch
asin
gC
heck
cas
hing
Par
king
Gift
wra
ppin
g an
d m
ailin
gM
ail o
r ph
one
orde
rsQ
eliV
ery
Ext
ra s
hopp
ing
hour
sLo
unge
s,,r
estr
oom
s, n
urse
ries
In-s
tore
res
taur
ant a
nd p
ost o
ffice
Str
olle
rs, w
heel
cha
irs, u
mbr
ella
Ret
urn
and
exch
ange
priv
ilege
sLa
yaw
ays
Fas
hion
sho
ws
and
info
rmal
mod
elin
gE
xper
t adv
ice
Dec
orat
orW
ig s
tylis
tB
ridal
reg
istr
y
4.42
1 F
acto
rs a
ffect
ing
choi
ce o
f ser
vice
s:R
epai
r se
rvic
esLo
catio
n, b
usin
ess
hour
sS
peed
of s
ervi
ceG
uara
ntee
s an
d w
arra
ntie
sR
efer
ence
sW
ritte
n es
timat
esP
rofe
ssio
nal s
ervi
ces
Qua
lific
atio
ns, l
icen
sing
Fee
s an
d bi
lling
pro
cedu
reO
ffice
hou
rs a
nd lo
catio
nF
inan
cial
ser
vice
s (2
.2, 2
.3, 2
.4, 2
.5)
Per
sona
l ser
vice
sR
efer
ence
sD
etai
ls o
f job
arr
ange
men
tsH
ourly
or
job
rate
Cre
dit a
rran
gem
ents
-.
si
9.2-
4
01...
Wha
t are
som
e ad
vant
ages
and
dis
adva
ntag
es?
How
do
cata
log
pric
es c
ompa
re w
ith p
rices
in r
etai
l sto
res?
If di
ffere
nt. w
hy?
Are
mai
l ord
er it
ems
as d
escr
ibed
in th
e ca
talo
g?C
an in
form
atio
n be
foun
d on
wea
ring,
car
ing
and
use
ofite
ms
in a
cat
alog
?
Is th
is in
form
atio
n as
rea
dily
ava
ilabl
e in
a p
lace
of b
usin
ess?
Use
tran
spar
ency
or
char
t to
show
typi
cal l
ayou
ts o
f diff
eren
tty
pes
of s
tore
s. D
iscu
ss h
ow s
tore
layo
uts
affe
ct s
hopp
ing:
Con
veni
ence
or
inco
nven
ienc
eA
ffect
on
impu
lse
buyi
ngf
Ask
stud
ents
to Il
iscr
ibe
prob
lem
s w
ithbu
yrng
, var
ious
kind
s of
ser
vice
s, b
ased
on
pers
onal
or
fam
ily e
xper
ienc
es. R
oli
play
som
e of
the
situ
atio
ns to
det
erm
ine
way
s to
avo
id s
imila
r,di
fficu
lties
and
how
to h
andl
e un
avoi
dabl
e pr
oble
ms.
Dev
ise
guid
elin
es fo
r bu
ying
"se
rvic
es"
and
deve
lop
a ch
art
illus
trat
ing
thes
e gu
idel
ines
.
Hav
ea
pane
lof
repr
esen
tativ
es o
f diff
eren
t ser
vice
are
as'd
iscu
ss w
ays
cons
umer
s co
uld
help
thos
e pr
ovid
ing
serv
ices
to b
em
ore
effic
ient
.
List
thos
ere
pair,
prof
essi
onal
, and
fina
ncia
lse
rvic
es w
hich
requ
ire c
ity o
r st
ate
licen
ses.
Dis
cuss
rea
sons
for
requ
iring
lice
nses
.
4
59
N
5 I
right
s an
dre
spon
sibi
litie
sin
the
mar
ketp
lace
ci
5 L
right
s an
dre
spon
sibi
litie
sin
the.
mar
ketp
lace
5.1
The
Rol
e of
the
Con
sum
erin
the
Eco
nom
y5.
11 E
very
hig
h sc
hool
gra
duat
ew
illun
ders
tand
how
inth
isco
untr
y's
econ
omic
sys
tem
the
cons
umer
affe
cts
and
is a
ffect
edby
the
tota
l eco
nom
y.
(Pro
gram
Con
tent
)
5.11
1 P
urpo
ses
and
type
s of
eco
nom
ic s
yste
ms:
An
econ
omic
sys
tem
det
erm
ines
Wha
tthe
natu
re a
nd q
uant
ity o
f goo
ds a
nd s
ervi
ces
prod
uced
How
met
hods
of
prod
uctio
n;us
eof
labo
r,ra
wm
ater
ials
, tec
hnol
ogy
For
who
mm
etho
ds o
f dis
trib
utin
g go
ods
and
serv
ices
amon
g in
divi
dual
s an
d fa
mili
esT
ypes
of e
cono
mic
sys
tem
s
5.11
1 E
xpla
in th
e m
ajor
pur
pose
s of
an
econ
omic
sys
tem
.
5.11
2 P
redi
ct p
robl
ems
that
mig
ht o
ccur
due
to b
reak
dow
n in
the
circ
ular
flow
of
mon
ey in
a fr
ee e
nter
pris
e sy
stem
.
Out
line
the
vita
l rol
e of
the
cons
umer
inou
r ec
onom
y.
5.11
3 Id
entif
y th
e co
nditi
ons
whi
ch m
ust
be m
et fo
r a
cons
umer
-dire
cted
eco
nom
yto
exi
st.
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
nS
hort
ans
wer
que
stio
n
Dev
elop
a c
arto
on tr
ansp
aren
cy s
how
ing
the
purp
ose
of a
nec
onom
y.
Div
ide
clas
s in
to th
ree
grou
ps r
epre
sent
ing
the
maj
or ty
pes
ofec
onom
ies,
and
dis
cuss
how
the
stru
ctur
e of
eac
h ec
onom
icsy
stem
affe
cts
the
quan
tity,
qua
lity
and
varie
ty o
f goo
ds a
ndse
rvic
es a
vaila
ble
to c
onsu
mer
s (E
cono
mic
s, P
aul A
. Sam
uels
on).
Hav
e st
uden
ts d
iscu
ss in
tota
l gro
up:
How
ade
quat
ely
each
eco
nom
y co
uld
mee
t con
sum
er n
eeds
and
wan
ts62
Com
man
dD
eman
dM
ixed
5.11
2 O
ur m
ixed
eco
nom
y:C
onsu
mer
dem
and
gene
rally
det
erm
ines
the
pric
es o
f goo
dsan
d se
rvic
es, a
nd p
rices
det
erm
ine
wha
t and
how
muc
h is
prod
uced
, how
ever
:P
rom
otio
n of
ten
dete
rmin
es c
onsu
mer
dem
and
Sca
rcity
of r
esou
rces
may
lim
it th
e su
pply
of s
ome
good
s or
ser
vice
sG
over
nmen
ts, a
s m
ajor
con
sum
ers
of g
oods
and
ser
vice
s,ca
n m
anip
ulat
e pr
oduc
tion
and
pric
esM
ost b
usin
esse
s ar
e pr
ivat
ely
owne
d an
d co
mpe
te fo
r pr
ofits
(indi
vidu
als
com
pete
for
wag
es).
Bec
ause
effi
cien
t use
of
reso
urce
s be
com
es e
ssen
tial,
in a
com
petit
ive
pric
e sy
stem
dete
rmin
es h
ow g
oods
and
ser
vice
s ar
e pr
oduc
ed, h
owev
er:
Gov
ernm
ents
mod
ify p
rivat
e in
itiat
ive
Mon
opol
ies
unde
rmin
e th
e co
mpe
titiv
e sy
ster
kD
istr
ibut
ion
of in
com
e is
det
erm
ined
by
com
petit
ive
bidd
ing
for
wag
es, r
etur
n on
inve
stm
ents
, roy
altie
s, e
tc.,
how
ever
:G
over
nmen
ts m
odify
inco
me
dist
ribut
ion
thro
ugh
tax
polic
ies
and
som
etim
es th
roug
h di
rect
con
trol
s.T
here
is a
circ
ular
flow
of m
oney
in a
com
petit
ive
pric
esy
stem
cons
umer
pur
chas
e pr
ovid
eth
e m
oney
that
isre
turn
ed to
con
sum
ers
in th
e fo
rm o
f wag
es, r
ents
, roy
altie
s,or
div
iden
ds.
No
econ
omic
sys
tem
run
s sm
ooth
ly a
t all
times
Con
sum
' -s
can
cons
ciou
sly
affe
ct th
e A
mer
ican
eco
nom
y,pa
rtic
ular
lyw
ithre
spec
t to
wag
es,-
pric
es, s
uppl
y an
dde
man
d, in
flatio
n, r
eces
sion
, pro
fits
and
com
petit
ion
(5.2
11)
Con
sum
er, b
usin
ess,
labo
r an
d go
vern
men
t poi
nts
of v
iew
mus
t all
be c
onsi
dere
d in
ord
er to
arr
ive
at a
n ob
ject
ive
stan
don
pre
sent
eco
nom
ic is
sues
and
pro
blem
s.
5.11
3 C
ondi
tions
nec
essa
ry fo
r a
cons
umer
-dire
cted
eco
nom
y:C
ompe
titio
nR
easo
nabl
e di
strib
utio
n of
inco
me
Pub
lic s
ecto
r th
at p
rovi
des
serv
ices
Info
rmed
con
sum
ers
who
kno
w th
eir
right
s an
d re
spon
si-
bilit
ies
with
in th
e ec
onom
ic s
yste
m
The
adv
anta
ges
and
disa
dvan
tage
s of
eac
h ty
pe o
f eco
nom
yW
hich
cou
ntrie
s us
ed e
ach
syst
emA
re m
ost e
cono
mic
sys
tem
s a
mix
ture
of a
ll th
ree?
illus
trat
e th
e ci
rcul
ar fl
ow o
f mon
ey in
a fr
ee,e
nter
pris
e ec
onom
yw
ith a
tran
spar
ency
sho
win
g th
e in
fluen
ce o
f tax
es, s
avin
gs, a
ndin
vest
men
ts a
nd s
pend
ing.
Hav
e st
uden
ts d
iscu
ss h
ow e
cono
mic
diff
icul
ties
begi
n:H
ave
clas
s tr
ace
thro
ugh
brea
kdow
ns in
the
cycl
e di
scus
sing
the
prob
lem
s of
infla
tion
and
rece
ssio
nsF
ollo
w w
ith a
dis
cuss
ion
on:
How
the
cons
umer
is a
ffect
ed b
y ec
onom
ic u
ps a
nddo
wns
How
the
cons
umer
can
pro
tect
him
self
Wha
t is
the
cons
umer
's r
ole
in p
rote
ctin
g ec
onom
icba
lanc
e?
Wha
t is
the
gove
rnm
ent's
rol
e in
pro
tect
ing
econ
omic
bala
nce?
Dis
cuss
exa
mpl
es o
f pub
lic a
nd p
rivat
e m
onop
olie
s an
d th
eir
effe
ct o
n ou
r fr
ee e
nter
pris
e sy
stem
.
Hav
e st
uden
ts d
iscu
ss h
ow d
o th
e sp
endi
ng h
abits
of t
eena
gers
affe
ct th
e ec
onom
y?
Hav
e cl
ass
expl
ore
and
disc
uss
such
con
cept
s as
priv
ate
prop
erty
,th
e pr
ofit
mot
ive,
com
petit
ion,
pric
es a
nd li
mite
d go
vern
men
tco
ntro
l. H
ow d
o th
ese
thin
gs a
ffect
indi
vidu
als?
Bus
ines
ses
and
gove
rnm
ent?
Div
ide
clas
s in
to fo
ur g
roup
s re
pres
entin
g:C
onsu
mer
sB
usin
esse
sLa
bor
Gov
ernm
ent
Hav
e ea
ch g
roup
pre
sent
and
def
end
its v
iew
poin
t on
curr
ent
econ
omic
issu
es. U
se n
ewsp
aper
and
mag
azin
e ar
ticle
s to
sug
gest
prob
lem
are
as.
Dis
cuss
the
diffe
renc
e be
twee
n a
cons
umpt
ion-
dire
cted
and
aco
nsum
er-d
irect
ed e
cono
my.
Dis
cuss
the
four
con
ditio
ns w
hich
mus
t be
pres
ent f
or a
cons
umer
-dire
cted
eco
nom
y to
exi
st a
nd w
hy e
ach
is n
eces
sary
.
63
5 ...7
......
.,
right
s an
dre
spon
sibi
litie
sin
the
mar
ketp
lace
5.2
Rig
hts
and
Res
pons
ibili
ties
of C
onsu
mer
s an
d S
elle
rs
taj o
n
prog
ram
goal
5.21
Eve
ry h
igh
scho
ol g
radu
ate
will
und
erst
and
the
right
s an
dre
spon
sibi
litie
s of
bot
h bu
yer
and
selle
r in
the
mar
ketp
lace
.
/
rme
(Pro
gram
Con
tent
)-I
5.21
1 R
espo
nsib
ilitie
s of
con
sum
ers:
Rel
ated
to th
e rig
ht to
cho
ose
Dev
elop
sou
nd b
uyin
g ha
bits
(4.
3)In
sist
upo
n qu
ality
pro
duct
sE
ncou
rage
fair
trea
tmen
t by
deal
ing
hone
stly
and
fairl
yw
ith a
ll bu
sine
ss e
stab
lishm
ents
Ref
use
prod
ucts
that
was
te r
esou
rces
or
dam
age
the
envi
ronm
ent
Insi
st u
pon
gove
rnm
enta
l con
trol
of m
onop
olie
s an
dpr
ice
fixin
g
5.21
1 Li
st fo
ur m
ajor
kin
ds o
f con
sum
errig
hts.
Iden
tify
situ
atio
ns w
hich
. - th
e re
sult
ofco
nsum
ers'
failu
reto
.erc
ise
thei
rre
spon
sibi
litie
s.
Iden
tify
prac
tices
of a
res
pons
ible
con
-su
mer
.
Sum
mar
ize
a re
ason
able
pro
cedu
re fo
rre
port
ing
legi
timat
e pr
oble
ms
toth
epr
oper
aut
horit
ies.
5.21
2 S
umm
ariz
e th
e se
llers
' rig
hts
and
resp
onsi
bilit
ies
in g
iven
bus
ines
s tr
ans-
actio
ns.
Iea
tl14
:4
iper
ienc
es1.
.I;J
d
Sho
rt a
nsw
er q
uest
ion
Ess
ay q
uest
ion
Che
cklis
tR
atin
g sc
ale
Ess
ay q
uest
ion
Ess
ay q
uest
ion
Ent
itle
a bu
lletin
boa
rd "
How
Doe
s Y
our
Eco
nom
y G
row
." D
raw
a la
rge
tree
with
:T
runk
rep
rese
ntin
g th
e U
.S, e
cono
my
Bra
nche
s re
pres
entin
g th
e fo
ur c
onsu
mer
rig
hts
Leav
es r
epre
sent
ing
resp
onsi
bilit
ies
grow
ing
from
eac
h rig
ht
Dis
cuss
wha
t wou
ld h
appe
n if
the
leav
es a
ll fe
ll fr
om th
e tr
ee.
Dis
cuss
how
buy
er a
nd s
elle
r ca
n w
ork
toge
ther
to n
ouris
h th
etr
ee.
Hav
e m
embe
rs o
f a c
reat
ive
writ
ing
or d
ram
a cl
ass
com
pose
and
64
Rel
ated
to th
e rig
ht to
be
info
rmed
(4.
113)
Bec
ome
fam
iliar
with
sou
rces
of i
nfor
mat
ion
on g
oods
and
serv
ices
(4.
316)
Und
erst
and
war
rant
ies
and
guar
ante
es (
4.31
5)U
nder
stan
d pe
rfor
man
ce c
laim
sR
ead
and
assi
mila
te u
se a
nd c
are
inst
ruct
ions
bef
ore
buyi
ngA
naly
ze a
dver
tisem
ents
and
rec
ent p
rodu
ct d
evel
op-
men
ts (
4.2)
Insi
st u
pon
effe
ctiv
e en
forc
emen
t of c
onsu
mer
pro
tec-
tion
and
food
and
drug
law
s, in
clud
ing
prom
pt a
nd fu
lldi
sclo
sure
of g
over
nmen
t res
earc
h in
form
atio
nR
elat
ed to
the
right
to s
afet
y (5
.4)
Exa
min
e pr
oduc
t saf
ety
ratin
gs a
nd c
are
inst
ruct
ions
Info
rm fe
dera
l, st
ate,
and
loca
l con
sum
er a
genc
ies
ofda
nger
ous
or u
nsaf
e pe
rfor
man
ces
(5.3
)R
elat
ed to
the
right
to b
e he
ard
Und
erst
and
the
cons
umer
's r
ole
in th
e U
.S. e
cono
my
(5.1
)S
ugge
st c
onsu
mer
legi
slat
ion
to C
ongr
essm
en (
5.5)
Rep
ort w
ants
, lik
es, a
nd d
islik
es a
nd s
ugge
st p
rodu
ctim
prov
emen
ts to
dea
lers
and
man
ufac
ture
rsIn
form
selle
ror
man
ufac
ture
rof
unsa
tisfa
ctor
ym
erch
andi
seIn
form
gov
ernm
enta
l, pr
ofes
sion
al, o
r tr
ade
asso
ciat
ions
of u
nsat
isfa
ctor
y go
ods
and
serv
ices
(5.
4)
5.21
2 R
espo
nsib
ilitie
s of
sel
lers
:R
elat
ed to
the
right
to p
rofit
Mak
e th
e m
ost e
ffici
ent u
se o
f lab
or a
nd r
esou
rces
Insi
st u
pon
gove
rnm
enta
l con
trol
of m
onop
olie
s an
dpr
ice
fixin
g
Pro
vide
max
imum
val
ue in
goo
ds a
nd s
ervi
ces
per
dolla
rco
stR
efus
e to
be
was
tefu
l of n
atur
al r
esou
rces
or
to p
ollu
teth
e en
viro
nmen
tR
elat
ed to
the
right
to b
e in
form
edIn
terp
ret c
hang
ing
cons
umer
wan
ts a
nd n
eeds
Info
rm c
onsu
mer
s of
any
cur
rent
uns
afe
prod
uct o
r its
uses
Rel
ated
to th
e rig
ht to
fair
trea
tmen
t fro
m c
onsu
mer
sR
espe
ct c
usto
mer
s
Res
olve
rea
sona
ble
cons
umer
dis
satis
fact
ions
with
spe
edan
d ef
ficie
ncy
Exp
lain
to c
onsu
mer
thos
e si
tuat
ions
whe
re c
ompl
ete
satis
fact
ion
can'
t be
prov
ided
tape
pro
blem
situ
atio
ns th
at m
ight
aris
e be
twee
n bu
yer
and
selle
r,or
hav
e st
uden
ts in
the
cons
umer
cla
ss d
o a
skit
abou
t cus
tom
ers
at c
ompl
aint
win
dow
. Hav
e cl
ass
mem
bers
dis
cuss
the
prob
lem
sen
acte
d an
d de
term
ine
whe
ther
con
sum
er o
r bu
sine
ssm
an fa
iled
toun
ders
tand
his
rig
hts
or a
ccep
t his
res
pons
ibili
ties.
Hol
d a
lette
r w
ritin
g se
ssio
n an
d ha
ve s
tude
nts
writ
e co
mpl
imen
tsas
wel
l as
com
plai
nts
to b
usin
essm
en, c
ongr
essm
en, a
nd m
anu-
fact
urer
s. P
in a
cop
y of
eac
h le
tter
to a
bul
letin
boa
rd a
nd m
atch
answ
erin
g le
tters
as
they
are
rec
eive
d.
Hav
e ea
ch s
tude
nt p
repa
re a
set
of p
rinci
ples
to fo
llow
as
aco
nsum
er c
itize
n. C
ompa
re r
esul
ts.
65
right
s an
dre
spon
sibi
litie
sin
the
mar
ketp
lace
5.3
Fra
udul
ent a
nd D
ecep
tive
Pra
ctic
es to x
ci
5.31
Eve
ry h
igh
scho
ol g
radu
ate
will
be
able
to r
ecog
nize
frau
du-
lent
and
dec
eptiv
e pr
actic
es in
the
mar
ketp
lace
.
5.32
Eve
ry h
igh
scho
ol g
radu
ate
will
kno
w h
ow to
pro
tect
him
-se
lf ag
ains
t fra
ud a
nd d
ecep
tion.
-*It
,r
(Pro
gram
Con
tent
)'
5.31
1 S
igni
fican
t typ
es o
f fra
udul
ent p
ract
ices
(5.
513)
:B
ait a
nd s
witc
hA
n in
sinc
ere
offe
r by
a m
erch
ant w
ho "
baits
" bu
yer
into
stor
e w
ith o
ffer
of b
arga
in, t
hen
"sw
itche
s" c
usto
mer
'sin
tere
st to
a p
rodu
ct w
ith h
ighe
r pr
ofit.
Sho
uld
not b
e co
nfus
ed w
ith h
ones
t tec
hniq
ue o
f"t
radi
ng u
p" (
show
ing
feat
ures
of a
n en
tire
line)
.R
efer
ral s
ales
s)5.
311
Iden
tify
spec
ific
frad
ulen
tor
dece
ptiv
e tr
ade
prac
tices
in c
ase
stud
ies.
5.32
1Id
entif
y w
arni
ng s
igna
ls w
hich
ofte
n in
dica
te fr
audu
lent
or
dece
ptiv
esa
les
tech
niqu
es.
Des
crib
e ap
prop
riate
pro
cedu
res
for
satis
-fa
ctor
y re
solu
tion
of c
ompl
aint
s ab
out
frau
dule
nt o
r de
cept
ive
prac
tices
.
Iden
tify
at le
ast f
ive
safe
guar
ds a
gain
stfr
audu
lent
or
dece
ptiv
e pr
actic
es.
Obj
ectiv
e qu
estio
ns
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Sho
rt a
nsw
er q
uest
ion
Obj
ectiv
e qu
estio
n
Obj
ectiv
e qu
estio
n
Hav
e st
uden
ts c
heck
the
new
spap
ers
for
repo
rts
of c
onsu
mer
frau
d or
qua
cker
y an
d br
ing
thei
r cl
ippi
ngs
to c
lass
. Org
aniz
e th
ecl
ippi
ngs
undd
r he
adin
gs to
use
as
a bu
lletin
boa
rd d
ispl
ay.
Hea
ding
s m
ight
be:
Sho
rt-c
hang
ing
Sho
rt w
eigh
tR
epai
r sw
indl
esD
ecep
tive
pack
agin
g66
Sel
ler
prom
ises
a m
oney
reb
ate
or d
isc,
,o/r
7Irb
uyer
prov
ides
nam
es o
f pot
entia
l buy
ers
or o
ther
ass
ista
nce.
Suc
h pr
omis
es a
re il
lega
l if:
Pay
men
t is
not m
ade
as p
rom
ised
Pay
men
t dep
ends
upo
n a
sale
, pre
sent
atio
n, o
r ot
her
even
t sub
sequ
ent t
oth
etim
eof
the
buye
r'spu
rcha
se.
Fak
e sa
les
Pro
duct
s ar
e ad
vert
ised
as
sale
item
s w
hen
thei
r pr
ices
have
not
bee
n re
duce
d.Lo
-bal
ling
Com
mon
pra
ctic
e in
rep
air
busi
ness
es o
fferin
g un
usua
llylo
w-p
riced
ser
vice
.Ite
m to
be
repa
ired
is d
ism
antle
d fo
r on
e ty
pe o
f rep
air
but a
dditi
onal
rep
air
need
s ar
e "d
isco
vere
d."
The
con
-su
mer
is o
ffere
d a
spec
ial r
ate
for
addi
tiona
l rep
air
serv
ice
and
if he
ref
uses
the
serv
ice,
add
ition
al c
harg
esar
e m
ade
for
reas
sem
bly.
A li
en m
ay b
e pu
t on
mer
chan
dise
to a
ssur
e pa
ymen
t for
serv
ices
.P
yram
id (
mul
ti-le
vel s
ales
)P
rom
otio
n pr
omis
es b
ig m
oney
, fas
t, an
d of
ten
with
little
effo
rt.
.-F
trof
feite
rs u
se a
sop
hist
icat
ed v
ersi
on o
f the
old
cha
inle
tter
devi
ce e
mph
asiz
ing
prof
its fr
om s
ale
of d
istr
ibu-
tion
right
s, r
athe
r th
an a
pro
duct
.M
arke
t sat
urat
ion
occu
rs q
uick
ly.
Cha
nce
of m
akin
g m
oney
or
even
rec
oupi
ng in
vest
men
tis
min
imal
.P
igeo
n dr
opA
cqui
ring
mon
ey fr
om c
onsu
mer
s un
der
fals
e pr
eten
ses.
Ofte
n us
ed o
n el
derly
in c
onne
ctio
n w
ith b
anki
ngse
rvic
es.
Fra
udul
ent i
nspe
ctor
s an
d re
pres
enta
tives
Odo
met
er tu
rn b
ack
Fal
se a
dver
tisin
gH
ealth
qua
cker
yH
ome
impr
ovem
ent s
win
dles
5.31
2 M
etho
ds o
fpr
otec
ting
cons
umer
s ag
ains
t fra
ud a
ndde
cept
ion:
vId
entif
y de
cept
ive
prac
ticed
War
ning
sig
nals
incl
ude
clai
ms
whi
ch im
ply
that
Som
ethi
ng c
an b
e ob
tain
ed fr
eeT
he c
onsu
mer
or
his
hom
e ha
s be
en e
spec
ially
sel
ecte
dH
igh
earn
ings
can
be
mad
e w
ith n
o ex
perie
nce
An
adve
rtis
ing
surv
ey is
bei
ng m
ade
The
con
sum
er m
ust d
ecid
e im
med
iate
ly 'o
r lo
se th
e
Cha
rity
gyps
Hea
lth q
uack
ery
Hom
e im
prov
emen
t sw
indl
esM
ail f
raud
sG
et -
rich
quic
k sc
hem
es
For
m c
omm
ittee
s to
res
earc
h th
e fr
auds
mos
t pre
vale
nt in
the
com
mun
ity a
nd to
det
erm
ine:
,
Wha
t age
ncie
s m
ight
one
turn
to in
cas
e of
frau
d?A
re th
ere
law
s ag
ains
t suc
h de
cept
ive
prac
tices
?W
hat a
re th
ey?
(5.5
)
Dis
cuss
way
s of
iden
tifyi
ng fr
audu
lent
and
dec
eptiv
e sc
hem
es.
Pre
pare
, as
a cl
ass,
a g
uide
for
self-
prot
ectio
n. P
lan
som
e w
ay to
shar
e th
is g
uide
with
oth
ers.
Rea
d or
rol
e pl
aysp
ecifi
c ca
ses
of p
eopl
e w
ho h
ave
been
defr
aude
d an
d de
cide
wha
t leg
al r
ecou
rse
the
cons
umer
had
inea
ch c
ase.
Dis
cuss
cas
e st
udie
s or
exa
mpl
es o
f dec
eptio
n th
at s
tude
nts
orth
eir
fam
ilies
hav
e ex
perie
nced
.
Inte
rvie
w m
erch
ants
to d
eter
min
e th
e be
st c
ours
e of
act
ion
for
aco
nsum
er w
ith d
efec
tive
mer
chan
dise
.
Ask
abo
ut p
robl
ems
rela
ted
to c
onsu
mer
mis
use
of r
ight
of t
here
cour
se. D
iscu
ss:
How
doe
s th
is a
ffect
the
pric
e of
goo
ds?
Wha
t can
be
done
to p
reve
nt it
?
Rev
iew
, con
sum
er c
ompl
aint
form
s su
pplie
d by
var
ious
'bus
ines
ses
and
regu
latin
g ag
enci
es. D
iscu
ss c
omm
on q
uest
ions
ask
ed b
y al
l.
Vis
it a
smal
l cla
ims
cour
t or
revi
ew th
e lit
erat
ure
to d
eter
min
e:W
hat k
ind
of a
ctio
n is
com
mon
ly ta
ken?
Wha
t effe
ct h
as in
crea
sing
the
max
imum
aw
ard
to 3
500
had
on c
onsu
mer
pro
blem
s?
(con
tinue
d)67
ta>
(Pro
gram
Con
tent
)
5.31
2 (c
ontin
ued)
oppo
rtun
ity o
ffere
dU
se s
afeg
uard
s w
hen
buyi
ng. G
uide
lines
for
cons
umer
sS
hop
at-s
ever
al s
tore
sA
void
impu
lse
purc
hase
s or
buy
ing
whe
n pr
essu
rete
chni
ques
are
invo
lved
Rea
d an
d un
ders
tand
all
cont
ract
s be
fore
sig
ning
Che
ck th
e to
tal c
ost o
f an
item
, inc
ludi
ng d
eliv
ery
char
ges
and
finan
ce fe
esA
sk fo
r re
fere
nces
from
sal
esm
anif
they
do
not
repr
esen
t an
esta
blis
hed
busi
ness
Pat
roni
ze b
usin
esse
s ha
ving
a r
eput
atio
n fo
r fa
ir de
alin
gsC
heck
the
valid
ity o
f cer
tific
atio
ns a
nd e
ndor
sem
ents
Und
erst
and
guar
ante
es a
nd w
aran
tees
bef
ore
buyi
ngU
se o
f cor
rect
pro
cedu
res
in r
esol
ving
com
plai
nts
Kno
w h
ow a
nd to
who
m to
com
plai
nB
e su
re c
ompl
aint
ishe
ard
by th
e pe
rson
or
com
pany
sel
ling
the
prod
uct f
irst.
Be
spec
ific
as to
the
natu
re o
f a c
ompl
aint
Pro
vide
evi
denc
e of
pro
duct
def
ault
Use
a fi
rm a
ppro
ach
in r
egis
terin
g a
com
plai
ntIn
dica
te ty
pe o
f adj
ustm
ent r
eque
sted
Kno
w w
hen
and
whe
re to
see
k fu
rthe
r re
cour
seF
ilea
clai
m w
ith th
e ap
prop
riate
gov
ernm
enta
lag
ency
(5.
4)S
eek
lega
l rec
ours
e w
hen
deem
ed a
dvis
able
Use
the
smal
l cla
ims
cour
tF
ile in
divi
dual
sui
tF
or v
iola
tions
of O
rego
n C
onsu
mer
Pro
tect
ion
Act
, buy
er m
ay b
e aw
arde
d:A
ttorn
ey fe
es a
nd c
osts
Min
imum
dam
ages
of $
200
Pun
itive
dam
ages
File
a c
lass
act
ion
Pre
sent
Ore
gon
law
seve
rely
rest
ricts
this
rem
edy
68
5rig
hts
and
resp
onsi
bilit
ies
in th
em
arke
tpla
ce5.
4S
ourc
esof
Con
sum
erA
ssis
tanc
e -tax
on°
5.41
Eve
ry h
igh
scho
ol g
radu
ate
will
unde
rsta
nd th
e fu
nctio
nsan
d se
rvic
es o
f var
ious
age
ncie
spr
ovid
ing
assi
stan
ceto
con-
sum
ers.
\,,r
(Pro
gram
Con
tent
)
5.41
1 S
elec
ted
gove
rnm
enta
l age
ncie
s:F
eder
al Offi
ce fo
r C
onsu
mer
Affa
irsIn
vest
igat
es c
ompl
aint
sR
efer
s co
mpl
aint
s to
app
ropr
iate
age
ncie
s or
ness
es
busi
-
5.41
1 M
atch
the
nam
es o
f nat
iona
l or
stat
e ag
enci
es w
ith th
e ac
tiviti
es o
r co
m-
mod
ities
they
are
res
pons
ible
for
regu
-la
ting.
5.41
2 S
umm
ariz
eth
efu
nctio
ns a
ndse
rvic
es o
f at l
east
two
nong
over
nmen
tal
agen
cies
con
cern
ed w
ith c
onsu
mer
pro
-te
ctio
n.
t:"
i-4
'ear
.9n
ence
s
Mat
chin
g qu
estio
n
Ess
ay q
uest
ion
Con
duct
acl
ass
deba
te d
ealin
g w
ith th
e qu
estio
n of
wha
tco
nsum
er p
rote
ctio
n sh
ould
be
prov
ided
by
the
gove
rnm
ent a
ndw
hat r
espo
nsib
ilitie
s sh
ould
be
left
to th
e co
nsum
er.
Pre
pare
a p
oste
r or
tran
spar
ency
sho
win
g th
e va
rious
gov
ernm
ent
and
nong
over
nmen
t age
ncie
s av
aila
ble
to a
ssis
t con
sum
ers.
70
5Lo
bbie
s fo
r ne
eded
legi
slat
ion
Foo
d an
d D
rug
Adm
inis
trat
ion
Enf
orce
s la
ws
to p
rote
ct th
e co
nsum
er in
mar
ketin
gof
food
s, d
rugs
, cos
met
ics,
hea
lth a
pplia
nces
and
pote
ntia
lly h
azar
dous
pro
duct
sH
andl
es c
onsu
mer
com
plai
nts
abou
t im
purit
ies
Fed
eral
Tra
de C
omm
issi
onS
eeks
to p
reve
nt fa
lse
and
mis
lead
ing
adve
rtis
ing
See
ks to
pre
vent
dec
eptiv
e pa
ckag
ing
and
labe
ling
ofco
nsum
er p
rodu
cts
See
ks to
prev
ent
pric
e-fix
ing
and
othe
r un
fair
busi
ness
pra
ctic
esC
onsu
mer
and
Mar
ketin
g S
ervi
ceIn
spec
ts m
eat,
poul
try,
and
thei
r pr
oduc
ts to
insu
rew
hole
som
enes
s an
d tr
uthf
ul la
belin
gD
evel
ops
offic
ial g
rade
sta
ndar
ds a
nd p
rovi
des
grad
-in
g se
rvic
esP
rovi
des
for
food
ass
ista
nce
prog
ram
s to
nee
dyF
eder
al E
xten
sion
Ser
vice
sP
ublis
hes
mat
eria
ls a
nd c
ondu
cts
wor
ksho
ps o
nco
nsum
er e
ckic
atio
nN
atio
nal B
urea
u of
Sta
ndar
dsS
ets
stan
dard
s fo
r co
nsum
er g
oods
and
indu
stria
lm
ater
ials
Pro
mot
es d
evel
opm
ent o
f uni
form
wei
glifi
-an
dm
easu
res
law
sB
urea
u of
Pos
tal I
nspe
ctio
nIn
vest
igat
es m
isus
es o
f the
mai
ls a
nd w
arns
aga
inst
mai
l fra
uds
Pro
tect
s co
nsum
ers
from
illeg
alm
ater
ials
sent
thro
ugh
the
mai
lst
ate
and
loca
lC
onsu
mer
Pro
tect
ion
Div
isio
n,A
ttorn
eyG
ener
al's
Offi
ce (
Dep
artm
ent o
f Jus
tice)
Est
ablis
hed
by 1
971
Legi
slat
ure
Inve
stig
ates
con
sum
er c
ompl
aint
s in
volv
ing
viol
a-tio
ns o
f Ore
gon'
s C
onsu
mer
Pro
tect
ion
Act
Initi
ates
app
ropr
iate
lega
l act
ion
on b
ehal
f of t
heS
tate
of O
rego
n an
d th
e in
divi
dual
con
cern
edH
as s
tate
wid
eju
risdi
ctio
nin
mat
ters
invo
lvin
gde
cept
ive
trad
e pr
actic
esC
onsu
mer
Ser
vice
s D
ivis
ion
(Dep
artm
ent o
f Com
mer
ce)
Est
ablis
hed
by 1
971
Legi
slat
ure
as fo
cal p
oint
of
cons
umer
ism
in O
rego
nC
oord
inat
es c
onsu
mer
pro
tect
ion
serv
ices
thro
ugh
asi
ngle
sta
te a
genc
yF
urth
ers
cons
umer
edu
catio
n
Hav
e cl
ass
inve
stig
ate
the
regu
latio
ns r
egar
ding
food
, inc
ludi
ngpr
oced
ures
for
filin
g co
mpl
aint
s. D
iscu
ss th
e im
port
ance
of
imm
edia
te a
ctio
n in
inst
ance
s in
volv
ing
unsa
fe fo
od s
uppl
ies.
Rev
iew
mat
eria
ls fr
om th
e O
rego
n S
tate
Dep
artm
ent o
f Agr
i-cu
lture
to d
eter
min
e w
hat t
ypes
of r
egul
atio
ns h
ave
been
pas
sed
rece
ntly
to p
rote
ct th
e co
nsum
er.
Vis
it st
ores
to d
eter
min
e w
hat p
roce
dure
s ha
ve b
een
used
toco
mpl
y w
ith r
egul
atio
ns o
n su
ch m
atte
rs a
s ba
con
pack
agin
g,w
eigh
ts o
n co
ttage
che
ese
cart
ons,
and
fat c
onte
nt d
iscl
osur
e of
grou
nd m
eats
. Lis
t oth
er c
onsu
mer
nee
ds r
egar
ding
food
s w
hich
mig
ht n
eed
to b
e re
gula
ted.
Inve
stig
ate
how
to r
epor
t com
plai
nts
to th
e C
onsu
mer
Ser
vice
sD
ivis
ion.
Rev
iew
cas
e st
udie
s to
det
erm
ine
whe
ther
or
not t
hey
reve
al le
gitim
ate
com
plai
nts.
List
type
s of
com
plai
nts
whi
ch o
ught
to b
e re
ferr
ed to
the
Con
sum
er P
rote
ctio
n D
ivis
ion.
Usi
ng c
ase
stud
ies,
pra
ctic
e w
ritin
gle
tters
issu
ing
com
plai
nts
and
incl
udin
g al
l the
per
tinen
t inf
orm
a-tio
n ne
cess
ary
for
inve
stig
atio
ns to
be
mad
e.
Dis
cuss
the
impo
rtan
ce o
f con
sum
er r
elia
bilit
y an
d ac
cura
cy in
mak
ing
com
plai
nts
and
the
effe
ct o
n us
e of
tax
mon
ies
ifco
mpl
aint
s ar
e no
t ade
quat
ely
rer,
orte
d or
are
mis
lead
ing.
Hav
e st
uden
ts r
esea
rch
and
repo
rt o
n a
priv
ate
agen
cy w
hich
bene
fits
the
cons
umer
, or
invi
te a
Bet
ter
Bus
ines
s B
urea
u of
ficia
lto
des
crib
e ho
w th
e or
gani
zatio
n de
als
with
dec
eptiv
e ad
vert
isin
g,fly
-by-
nigh
t sch
emes
, unf
air
trea
tmen
t of c
usto
mer
s, a
nd u
n-au
thor
ized
doo
r-to
door
sal
esm
en. F
ollo
w u
p w
ith a
rol
e-pl
ayin
gsi
tuat
ion
in w
hich
the
stud
ents
see
k an
d re
ceiv
e he
lp. f
rom
the
bure
au.
Invi
te r
epre
sent
ativ
es o
f sta
te o
r lo
cal c
onsu
mer
gro
ups,
suc
h as
Ore
gon
Con
sum
er L
eagu
e, to
dis
cuss
the
purp
oses
-and
cur
rent
proj
ects
of t
heir
orga
niza
tion.
Dis
cuss
the
purp
oses
of L
egal
Aid
Soc
ietie
s an
d in
vest
igat
e th
egu
idel
ines
that
det
erm
ine
elig
ibili
ty fo
r us
e of
thes
e se
rvic
es.
(con
tinue
d)71
(Pro
gram
Con
tent
)
(con
tinue
d)
Con
duct
s st
udie
s an
d re
sear
chH
andl
es c
ompl
aint
sK
eeps
Gov
erno
r an
d Le
gisl
atur
e in
form
ed o
f con
-su
mer
mat
ters
Dep
artm
ent o
f Agr
icul
ture
Insp
ects
and
ana
lyze
s fo
ods
to a
ssur
e sa
fety
, pur
ity,
and
who
leso
men
ess
Reg
ulat
es th
e ad
ditio
n of
che
mic
als
to fo
ods
and
regu
late
s pe
stic
ide
resi
due
in fo
odS
eeks
to a
ssur
e ho
nest
and
info
rmat
ive
leve
ling,
pack
agin
g, a
nd a
dver
tisin
g of
food
sD
evel
ops
and
prom
ulga
tes
stan
dard
s an
d cr
iteria
for
agric
ultu
ral c
omm
oditi
esP
rom
otes
hon
est m
easu
rem
ent o
n al
l goo
ds s
old
toth
e co
nsum
er b
y w
eigh
t, m
easu
re, v
olum
e, o
rco
nten
tC
ount
y D
istr
ict A
ttorn
ey o
r C
onsu
mer
Pro
tect
ion
Div
i-A
sion
, if a
vaila
ble
Ore
gon
Sta
te U
nive
rsity
and
cou
nty
exte
nsio
n of
fices
5.41
2 S
elec
ted
nong
over
nmen
tal a
genc
ies:
Nat
iona
lA
mer
ican
Cou
ncil
on C
onsu
mer
Inte
rest
sP
ublis
hes
mon
thly
new
slet
ter
givi
ng in
form
atio
nab
out c
onsu
mer
info
rmat
iona
l pub
licat
ions
, leg
is-
latio
n af
fect
ing
cons
umer
and
gov
ernm
enta
l act
ion
agai
nst f
raud
ulen
t pra
ctic
es a
nd r
esea
rch
Pub
lishe
s in
form
atio
nal p
amph
lets
and
con
duct
sco
nsum
er e
duca
tion
wor
ksho
ps
Bet
ter
Bus
ines
s B
urea
uR
egis
ters
con
sum
er c
ompl
aint
s, b
ut h
as n
o le
gal
auth
ority
Ass
ists
in s
elf-
regu
latio
n of
bus
ines
sP
rovi
des
cons
umer
info
rmat
ion
mat
eria
lsM
ajor
App
lianc
e C
onsu
mer
Act
ion
Pan
el (
MA
CA
P)
Con
sist
s of
rep
rese
ntat
ives
of t
he h
ome
appl
ianc
ein
dust
ry,
incl
udin
gth
eA
ssoc
iatio
nof
Hom
eA
pplia
nce
Man
ufac
ture
rs, T
he G
as A
pplia
nce
Man
u-fa
ctur
ers
Ass
ocia
tion,
and
the
Am
eric
an R
etai
lF
eder
atio
nP
rovi
des
assi
stan
ceto
reso
llre-
-ern
dm
inim
ize
cons
umer
pro
blem
s re
late
d to
hom
e ap
plia
nces
Con
sum
ers
Uni
on o
f U.S
., In
c.72
Tes
ts q
ualit
y of
pro
duct
sG
ives
con
sum
ers
advi
ce a
nd c
ouns
el o
f tes
ted
prod
ucts
in a
pub
licat
ion,
Con
sum
er R
epor
ts, a
ndot
her
broc
hure
sC
onsu
mer
s' R
esea
rch,
Inc.
Pro
vide
s a
scie
ntifi
c te
chni
cal a
nd e
duca
tion
serv
ice
to c
onsu
mer
thro
ugh
test
ing
and
rese
arch
Pub
lishe
s C
onsu
mer
Bul
letin
whi
ch p
rovi
des
test
ratin
gsfo
r qu
ality
and
per
form
ance
on
popu
lar
prod
ucts
Con
sum
ers
Fed
erat
ion
of A
mer
ica
Pro
mot
es c
onsu
mer
pro
tect
ion
thro
ugh
legi
slat
ion
Ser
ves
as a
liai
son
with
sta
te a
ffilia
tes
in p
rom
otin
gco
nsum
er p
artic
ipat
ion
and
actio
nC
ounc
il fo
r F
amily
Fin
anci
al E
duca
tion
Pub
lishe
s co
nsum
er e
duca
tion
mat
eria
lsP
rom
otes
con
sum
er e
duca
tion
wor
ksho
psJo
int C
ounc
il fo
r E
cono
mic
Edu
catio
nP
rom
otes
eco
nom
ic a
spec
ts o
f edu
catio
n th
roug
hm
ater
ials
dev
elop
men
t, re
sear
ch, a
nd te
achi
ng tr
ain-
ing
prog
ram
sS
tate
and
loca
lO
rego
n C
onsu
mer
Lea
gue
and
affil
iate
sP
rom
ote
cons
umer
legi
slat
ion,
res
earc
h, a
nd e
duca
-tio
nP
ublis
h O
CL
New
slet
ter
for
mem
bers
hip
Ref
er c
onsu
mer
com
plai
nts
and
inqu
iries
Pro
vide
spe
aker
s to
org
aniz
atio
ns a
nd s
choo
ls
Ore
gon
Stu
dent
Pub
lic In
tere
st G
roup
(O
SP
R IG
)P
rom
otes
res
earc
h an
d in
volv
emen
t of s
tude
nts
incu
rren
t top
ics
of c
onsu
mer
inte
rest
Oth
er Sta
te B
ar A
ssoc
iatio
nLe
gal A
id S
ocie
ties
73
right
s an
dre
spon
sibi
litie
sin
the
mar
ketp
lace
5.5
Con
sum
er L
egis
latio
n5.
51 E
very
hig
h sc
hool
gra
duat
ew
ill r
ecog
nize
the
sign
ifica
nce
ofla
ws
enac
ted
to p
rote
ct c
on-
sum
er r
ight
s.
5.51
1 S
umm
ariz
e th
e m
ajor
fact
ors
whi
chin
fluen
ce th
e de
velo
pmen
t of c
onsu
mer
legi
slat
ion.
5.51
2 R
elat
e pr
ovis
ions
of a
t lea
st th
ree
fede
ral l
aws
to th
e ac
t whi
ch p
rote
cts
the
cons
umer
.
5.51
3 D
escr
ibe
at le
ast t
hree
maj
or p
ro-
visi
ons
ofth
eO
rego
nC
onsu
mer
Pro
tect
ion
Act
of 1
971.
Sho
rt a
nsw
er q
uest
ion
Mat
chin
g qu
estio
n
Ess
ay q
uest
ion
Obj
ectiv
e qu
estio
n
5 Cc 0
taxo
nom
y (P
rogr
am C
onte
nt)
5.51
1 D
evel
opm
ent o
f leg
isla
tion:
His
toric
al b
ackg
roun
dIn
rec
ent h
isto
ry m
ajor
bre
akth
roug
hs in
gov
ernm
ent
effo
rts
to p
rote
ct c
onsu
mer
s w
ere
the
resu
lt of
Exp
osur
e of
a p
ublic
hea
lth h
azar
dW
ide
cove
rage
by
the
pres
sF
avor
able
pol
itica
l clim
ate
Pol
itica
l haz
ards
Con
flict
bet
wee
n sp
ecia
l int
eres
t gro
ups
Con
flict
bet
wee
n go
vern
men
tal a
genc
ies
Abi
litc
of p
ower
ful i
nter
est g
roup
s to
influ
ence
Avo
tes
1,5.
512-
Sig
nific
ant f
eder
al c
onsu
mer
pro
tect
ion
legi
slat
ion:
1872
Mai
l Fra
ud A
ct o
f 187
2M
akes
it a
fede
ral c
rime
to d
efra
ud th
roug
h us
e of
the
mai
l19
14F
eder
al T
rade
Com
mis
sion
Act
Set
s up
the
Fed
eral
Tra
de C
omm
issi
on w
hich
am
ong
othe
r re
spon
sibi
litie
s is
con
cern
ed w
ith "
unfa
ir m
etho
dsof
com
petit
ion"
suc
h as
dec
eptiv
e ad
vert
isin
g19
38F
eder
al F
ood,
Dru
g, a
nd C
osm
etic
Act
of 1
938
Str
engt
hens
the
Foo
d an
d D
rug
Act
of 1
906
byex
tend
ing
cove
rage
to c
osm
etic
s an
d de
vice
sR
equi
res
pred
istr
ibut
ion
clea
ranc
e of
saf
ety
on n
ewdr
ugs
Pro
vide
s fo
r to
lera
nce
for
unav
oida
ble
or r
equi
red
pois
onou
s su
bsta
nces
Aut
horiz
es s
tand
ards
of i
dent
ity, q
ualit
y, a
nd fi
ll fo
rco
ntai
ners
of f
oods
1939
Woo
1Pro
duct
s.La
belin
g A
ctP
rovi
des
for
prop
er la
belin
g of
the
kind
and
per
cent
ages
of e
ach
type
of w
ool
1953
Fla
mm
able
Fab
rics
Act
Pro
hibi
ts th
e sh
ipm
ent i
n in
ters
tate
com
mer
ce o
f any
wea
ring
appa
rel o
r m
ater
ial w
hich
cou
ld b
e ig
nite
d ea
sily
1962
Kef
auve
r-H
arris
Dru
g A
men
dmen
tsR
equi
res
drug
man
ufac
ture
rs to
file
all
new
dru
gs w
ithF
DA
Req
uire
s pr
etes
ting
of d
rugs
for
safe
ty a
nd e
ffica
cyR
equi
res
labe
ling
of a
ll dr
ugs
by g
ener
ic n
ame
1965
Fai
r P
acka
ging
and
Labe
ling
Act
("T
ruth
-in-
Pac
kagi
ng")
sugg
este
d le
arni
ngex
perie
nces
Dis
cuss
the
hist
oric
al b
ackg
roun
d of
the
cons
umer
mov
emen
t.U
se r
efer
ence
s, s
uch
as T
he J
ungl
e, a
nd T
he P
oliti
cs o
f Con
sum
erP
rote
ctio
n, a
s ba
sis
for
disc
ussi
on. D
iscu
ss th
e ef
fect
on
the
type
and
amou
nt o
f gov
ernm
ent I
dgis
latio
n.
Dis
play
new
spap
er c
lippi
ngs
rega
rdin
g bo
th p
roje
cted
new
legi
s-la
tion
and
new
ly e
nact
ed le
gisl
atio
n. H
ave
stud
ents
dis
cuss
type
sof
legi
slat
ion
whi
ch m
ight
be
cons
ider
ed a
t a la
ter
date
and
the
poss
ible
rea
ctio
n of
var
ious
. sp
ecia
lin
tere
st g
rOup
s to
suc
hle
gisl
atio
n.
Hav
e st
uden
ts in
vest
igat
e ho
wsc
onsu
mer
s ar
e pr
otec
ted
agai
nst
the
sale
of g
oods
and
ser
vice
s th
at m
ight
end
ange
r lif
e or
hea
lth.
Ans
wer
que
stio
ns:
Whi
ch,s
afet
y m
easu
res
seem
yade
quat
e?W
hat f
urth
er le
gisl
atig
ii se
ems
nece
ssar
y?H
ow m
ight
add
ition
al le
gisl
atio
n be
acc
ompl
ishe
d?
Div
ide
clas
s in
to g
roup
s to
inve
stig
ate
and-
rep
ort o
n sp
ecifi
cle
gisl
atio
n, in
clud
ing
mea
sure
s fo
r en
forc
emen
t.
Div
ide
clas
s in
to c
omm
ittee
s, e
ach
to r
esea
rch
a pa
rtic
ular
type
of
haza
rdou
s co
nsum
er p
rodu
ct. H
ave
com
mitt
ees
expl
ore
safe
-gu
ards
on
each
item
and
rep
ort f
indi
ngs
to c
lass
. Mak
e lis
t of
prod
ucts
whi
ch a
re c
over
ed b
y le
gisl
atio
n.
Invi
te a
rep
rese
ntat
ive
of a
fede
ral a
genc
y w
hich
enf
orce
sa
cons
umer
pro
tect
ion
law
to s
peak
to th
e cl
ass.
Incl
ude
disc
ussi
onon
:
The
res
pons
ibili
ties
of c
onsu
mer
s in
pro
tect
ing
thei
r rig
hts
Wha
t are
the
prob
lem
s in
enf
orce
men
t of l
aws?
Wha
t are
the
func
tions
and
lim
itatio
ns o
f his
age
ncy?
Invi
te a
loca
l con
sum
er p
rote
ctio
n re
pres
enta
tive,
suc
h as
the
dist
rict a
ttorn
ey o
r ot
her
atto
rney
, to
disc
uss
how
con
sum
er is
prot
ecte
d-,b
y le
gisl
atio
n.,
Inve
stig
ate
vario
us c
ase
stud
ies
to d
eter
min
e w
heth
er v
iola
tions
of
the
law
exi
st. S
ee C
ase
Stu
dy N
o. 1
pro
vide
d in
this
gui
de.
(con
tinue
d)
4 75
5(P
rogr
am C
onte
nt)
Reg
ulat
es th
e pa
ckag
ing
and
labe
ling
of c
onsu
mer
goo
dsP
rovi
des
that
vol
unta
ry u
nifo
rm p
acka
ging
sta
ndar
ds b
ees
tabl
ishe
d by
indu
stry
1966
Nat
iona
l Tra
ffic
and
Mot
or V
ehic
le S
afet
y A
ctA
utho
rizes
the
Dep
artm
ent o
f Tra
nspo
rtat
ion
to e
stab
-lis
h co
mpu
lsor
y sa
fety
sta
ndar
ds fo
r ne
w a
nd u
sed
tires
and
auto
mob
iles
1966
Chi
ld S
afet
y A
ctS
tren
gthe
ns th
e H
azar
dous
Sub
stan
ces
Labe
ling
Act
of
1960
Pre
vent
s th
e m
arke
ting
of p
oten
tially
har
mfu
l toy
sP
erm
its th
e F
DA
to r
emov
e in
here
ntly
dan
gero
uspr
oduc
ts fr
om th
e m
arke
t19
66C
igar
ette
Lab
elin
g A
ctR
equi
res
ciga
rette
man
ufac
ture
rs to
labe
lci
gare
ttes:
"Cau
tion:
cig
aret
te s
mok
ing
may
be
haza
rdou
s to
you
rhe
alth
."19
68C
onsu
mer
Cre
dit P
rote
ctin
g A
ct (
"Tru
th-in
-Len
ding
")R
equi
res
full
disc
losu
re o
f ann
ual i
nter
est r
ates
and
othe
r fin
ance
cha
rges
on
cons
umer
loan
s an
d cr
edit
tran
sact
iqns
1969
Chi
ld P
fore
ctio
n an
d T
oy S
afet
y A
ct o
f 196
9A
men
ds F
eder
al H
azar
dous
Sub
stan
ces
Act
to p
rote
ctch
ildre
n fr
om to
ys a
nd o
ther
art
icle
s, in
tend
ed fo
r us
eby
chi
ldre
n, w
hich
are
haz
ardo
us d
ue to
the
pres
ence
of
elec
tric
al, m
echa
nica
l, or
ther
mal
haz
ards
1970
Fai
r C
redi
t Rep
ortin
g A
ctR
egul
ates
cre
dit i
nfor
mat
ion
repo
rtin
g an
d us
e19
72C
are
Labe
ling
Act
Req
uire
s th
at c
erta
in a
rtic
les
of w
earin
g ap
pare
l be
perm
anen
tly la
bele
d w
ith la
unde
ring
and
dry
clea
ning
care
inst
ruct
ion
5.51
3 S
igni
fican
t sta
te c
onsu
mer
pro
tect
ion
legi
slat
ion:
1965
Ore
gon
Con
sum
er P
rote
ctio
n A
ctP
rote
cts
cons
umer
s fr
om "
fast
buc
k" s
ales
men
who
phon
e or
cal
l at d
oor
1971
Con
sum
er P
rote
ctio
n A
ct (
HB
303
7 no
w C
hapt
er 7
44,
Ore
gon
Law
s, 1
971)
Def
ines
"co
nsum
er p
aper
"A
lters
the
Hol
der
in D
ue C
ours
e P
olic
y to
mak
e le
ndin
gin
stitu
tions
liab
le o
n re
tail
inst
allm
ent c
ontr
acts
up
toth
e am
ount
ow
ing
on th
e co
ntra
ct
Hav
e st
uden
ts w
rite
case
stu
dies
reg
ardi
ng p
ract
ices
whi
ch:h
ave
ques
tiona
ble
lega
lity.
Dis
cuss
wha
t the
con
sum
er m
ight
"do
inea
ch in
stan
ce.
Hav
e st
uden
ts id
entif
y w
ays
in w
hich
con
sum
ers
can
acce
ptre
spon
sibi
lity
inre
gard
tole
gisl
atio
nan
d un
fair
b4in
ess
prac
tices
.
List
var
ious
lice
nsin
g re
quire
men
ts a
ccor
ding
to ty
pes
of s
ervi
ces
and
disc
uss
how
thes
e pr
otec
t the
con
sum
er.
Hav
e cl
ass
com
pare
lice
nsin
g re
gula
tions
of t
he s
tate
to c
urre
ntst
anda
rds.
Stu
dent
s m
ay r
esea
rch
regu
latio
ns p
erta
inin
g to
an
occu
patio
n of
thei
r ch
oice
and
rep
ort t
o cl
ass
on s
uch
item
s as
:Li
cens
ing
fee
Insp
ectio
n an
d/or
exa
min
atio
n re
quire
men
tsT
rain
ing
and/
or e
xper
ienc
e re
quire
men
tsB
ondi
ng r
equi
rem
ent i
f app
licab
le
76
5 = 1U
Cha
nges
the
defic
ienc
y ju
dgm
ent p
olic
y in
two
way
sI f
am
ount
ow
ing
at ti
me
of d
efau
lt is
less
than
$700
, sel
ler
may
not
obt
ain
a de
ficie
ncy
judg
men
t if
he v
olun
taril
y re
poss
esse
sIf
amou
nt o
win
g at
tim
e of
def
ault
is S
700
or m
ore
Sel
ler
mus
t brin
g de
faul
t act
ion
with
in 9
0 da
ysof
rep
osse
ssio
n
Sel
ler
mus
t cre
dit t
he fa
ir m
arke
t val
ue o
f the
item
at t
he ti
me
of r
epos
sess
ion
Giv
es a
buy
er th
e rig
ht to
can
cel h
ome
solic
itatio
n sa
les
up to
thre
e da
ys a
fter.
orch
ase
(doe
s no
t app
ly to
cas
hor
che
ck p
urch
ases
in a
mou
nt o
tS50
or
less
).P
rohi
bits
mis
repr
esen
tatio
ns o
r de
cept
ion
in c
onsu
mer
tran
sact
ions
by
defin
ing
seve
ntee
nun
law
ful
trad
epr
actic
es, i
nclu
ding
Rep
rese
ntin
g th
at g
oods
and
ser
vice
s ha
ve s
pons
or-
ship
,ap
prov
al,
char
acte
ristic
s,in
gred
ient
s,us
es,
bene
fits
or q
ualit
ies
th /r
they
do
not h
ave,
or
that
ape
rson
has
a s
pons
orsh
ip, a
ppro
val,
stat
us, q
ualif
ica-
tion,
affi
liatio
n, o
r co
nnec
tion
that
he
does
not
hav
e"B
ait a
nd s
witc
h" a
dver
tisin
gO
ther
fals
ead
vert
isin
gco
ncer
ning
pric
esor
quan
titie
sM
isre
pres
enta
tions
abo
ut th
e av
aila
bilit
y of
cre
dit o
rth
e na
ture
of t
he tr
ansa
ctio
n or
obl
igat
ion
incu
rred
Ser
vici
ng o
r di
sman
tling
app
lianc
es, m
achi
nery
, or
am
echa
nica
lde
vice
ata
resi
denc
ew
hen
not
auth
oriz
ed b
y th
e ow
ner
Fai
lure
of t
elep
hone
or
door
-to-
door
sol
icito
r to
iden
tify
him
self
or s
tate
the
purp
ose
of th
e co
ntac
tw
ithin
30
seco
nds
Cer
tain
asp
ects
of r
efer
ral s
ales
(5.
311)
Pro
mis
ing
to d
eliv
er g
oods
or
serv
ices
with
in a
cert
ain
perio
d of
tim
e w
ith in
tent
not
to d
eliv
erth
em a
s pr
omis
edLi
cens
ing
regu
latio
nsR
equi
re li
cens
ing
(and
in s
ome
inst
ance
s bo
ndin
g)of
spe
cifie
d de
aler
s, a
genc
ies,
com
pani
es a
nd r
epai
ran
d se
rvic
e pe
rson
s, s
uch
as: m
otor
veh
icle
dea
lers
,pa
wnb
roke
rs, h
ome
build
ers,
sm
all l
oan
com
pani
es,
empl
oym
ent a
genc
ies,
cre
dit u
nion
s, r
adio
and
tele
-vi
sion
rep
airm
en, c
olle
ctio
n ag
enci
es, i
nsur
ance
com
-pa
nies
, and
hom
e im
prov
emen
t age
ncie
s.
77
.
Aio
gra
Ann
ual R
epor
t of t
he F
eder
al T
rade
Com
mis
sion
.S
uper
inte
nden
t of
Doc
umen
ts, U
.S. G
over
nmen
t Prin
ting
Offi
ce, W
ashi
ngto
n, D
.C.
2040
2.B
aker
, Sam
Sin
clai
r. T
he P
errr
issi
ble
Lie.
Bea
con
Pre
ss, 2
5 B
eaco
nS
tree
t, B
osto
n, M
assa
chus
etts
021
08. 1
968.
S2.
95.
Bis
hop,
Jam
es J
r., a
nd H
ubba
rd, H
enry
W. L
et th
e S
elle
r B
ewar
e. T
heN
atio
n& P
ress
, 128
C S
tree
t, N
.E.,
Was
hing
ton,
D.C
. 200
02. 1
969.
Brit
t, S
teua
rt H
ende
rson
. Con
sum
er B
ehav
ior
in T
heor
y an
d in
Act
ion.
John
Wile
y an
d S
ons,
Inc.
, 605
Thi
rd A
venu
e, N
ew Y
ork,
N.Y
.10
016.
197
0.
Boo
th, S
. Lee
s. F
inan
ce F
acts
Yea
rboo
k. N
atio
nal C
onsu
mer
Fin
ance
Ass
ocia
tion,
100
0 16
th S
tree
t N.W
., W
ashi
ngto
n, D
.C. 2
0036
,an
nual
ly.
Cap
lov
it?, D
avid
. The
Poo
r P
ay M
ore.
The
Fre
e P
ress
, 866
3rd
Ave
nue,
New
Yor
k, N
.Y. 1
0022
. 196
5.C
onsu
mer
Edu
catio
n B
iblio
grap
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