Consumer Education and Economics: Student Text,9780026372237

Consumer Education and Economics: Student Text

by ; ;
Edition: 4th
ISBN13: 9780026372237
ISBN10: 0026372231
Format: Hardcover
Pub. Date: 1997-06-01
Publisher(s): Glencoe/McGraw-Hill School Pub Co
List Price: $78.36

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Table of Contents

To the Student xiv
UNIT 1 You in the Economy 1(72)
Consumers and the Economy
3(16)
Our Economic Roles
4(1)
Consumer Rights and Responsibilities
5(2)
Consumer Protection
7(4)
The Consumer Movement
11(5)
Review
16(3)
People Making a Difference: Recreation Rebuilds a Community
11(2)
Consumer News Clip---Approved Medications Are Being Widely Prescribed for Unapproved Uses
13(6)
Our Market System
19(16)
The Economy Is All Around Us
20(1)
How Economic Systems Work
20(1)
The Four Types of Economic Systems
21(1)
Characteristics of the American Economy
22(3)
The Ups and Downs of Business
25(2)
Measuring the Economy
27(5)
Review
32(3)
People Making a Difference: Charity With Love
25(3)
Careers in Focus---David Wyss, Director of Research
28(7)
Government's Role
35(20)
What Government Does
36(2)
Where Government Gets Its Money
38(2)
Types of Taxes
40(2)
How Government Spends
42(2)
Tax Reform
44(1)
Taxes and Your First Job
45(2)
Your Tax Return
47(5)
Review
52(3)
People Making a Difference: Rising Like a Phoenix
43(5)
Consumer News Clip---A Brief History of Taxes
48(7)
Global Economics
55(18)
Why Do Nations Trade?
56(1)
Effects of International Trade
57(2)
Negative Effects
59(1)
Limiting Imports
60(2)
International Finance
62(4)
The Impact of Telecommunications
66(2)
Review
68(5)
People Making a Difference: A Flame in Barbed Wire
63(2)
Consumer News Clip---Internships Overseas
65(5)
You and Your Community
70(3)
UNIT 2 Money Management: Earning and Spending 73(66)
Choosing a Career
75(18)
Career Planning
76(2)
Researching Careers
78(3)
Job Hunting
81(3)
Employee Rights and Responsibilities
84(2)
Entrepreneurship
86(4)
Review
90(3)
People Making a Difference: Locally Grown
85(2)
Careers in Focus---Gary Wong, Entrepreneur
87(6)
Budgeting Your Money
93(14)
Developing a Budget
94(3)
Keeping Financial Records
97(1)
Revising a Budget
98(4)
Budgeting Problems
102(1)
Taking an Annual Inventory
102(2)
Review
104(3)
People Making a Difference: Safeguarding Public Health
101
Consumer News Clip---Newlyweds Need to Agree on Money Matters
100(7)
Spending Money Wisely
107(16)
Influences on Consumer Spending
108(2)
Deciding What to Buy
110(4)
Places to Shop
114(4)
When to Buy
118(2)
Review
120(3)
People Making a Difference: Painting and Healing
115(2)
Consumer News Clip---Kids and Their Cash
117(6)
Consumer Problems and Their Solutions
123(16)
Defining Consumer Problems
124(1)
Problems with Deception and Fraud
124(1)
Deceptive Practices
125(2)
Fraudulent Practices
127(3)
Registering a Complaint
130(1)
Legal Action
130(4)
Review
134(5)
People Making a Difference: More Money in Business
129(2)
Consumer News Clip---You Need Our Tips on How Not to Overpay
131(5)
You and Your Community
136(3)
UNIT 3 Money Management: Saving and Investing 139(50)
Planning a Savings Program
141(16)
Reasons for Saving
142(1)
Savings as Investment
143(2)
Techniques for Building Savings
145(1)
Savings Institutions
146(4)
Alternative Forms of Saving
150(4)
Review
154(3)
People Making a Difference: Young People Become Stars
149(2)
Consumer News Clip---Couple Wonder Where Cash Flows
151(6)
Using Financial Services
157(16)
Savings Accounts
158(1)
Checking Accounts
159(7)
Other Payment Methods
166(1)
Banking Electronically
166(4)
Review
170(3)
People Making a Difference: Magic Playgrounds
165(2)
Consumer News Clip---How to Go About Choosing a Financial Planner
167(6)
Making Investments
173(16)
Investment Strategy
174(1)
Types of Securities
175(3)
How to Invest
178(6)
Review
184(5)
People Making a Difference: Working at Rehabilitation
179(2)
Careers in Focus---Margaret Lofaro, Certified Financial Planner
181(5)
You and Your Community
186(3)
UNIT 4 Types of Credit 189(54)
Commercial and Consumer Credit
191(12)
Meaning of Credit
192(1)
Beginnings of Credit
193(1)
Commercial Credit
193(1)
Consumer Credit
193(7)
Review
200(3)
People Making a Difference: Super Bowl Hero
195(2)
Careers in Focus---Charlotte Rush, Vice President, Public Affairs
197(6)
Consumer Credit Problems
203(12)
Credit and the Economy
204(1)
Business Costs
204(2)
Credit and the Consumer
206(2)
Credit Illegalities
208(4)
Review
212(3)
People Making a Difference: Surgeon in a War Zone
205(4)
Consumer News Clip---Credit Problems: Who's at Risk?
209(6)
Charge Accounts
215(14)
Advantages and Disadvantages of Charge Accounts
216(2)
Types of Charge Accounts
218(2)
The Security Agreement
220(2)
The Monthly Statement
222(1)
Fair Credit Billing Act
222(4)
Review
226(3)
People Making a Difference: Escape from Tyranny
221(2)
Consumer News Clip---No Checks. No Cash. No Fuss?
223(6)
Installment Credit
229(14)
Installment Versus Open-end Credit
230(1)
Installment Credit Characteristics
230(2)
Installment Credit Problems
232(4)
Extent of Installment Debt
236(2)
Review
238(5)
People Making a Difference: Earthquake Relief
231(4)
Consumer News Clip---Finance Firms 101: Lenders Can Offer a Credit Cure
235(5)
You and Your Community
240(3)
UNIT 5 Getting and Keeping Credit 243(32)
Evaluating Credit Terms and Establishing Credit
245(16)
Regulation of Lending
246(2)
Getting Credit
248(3)
The Credit Bureau
251(1)
Credit Reporting Problems
252(4)
Consumer Credit Rights
256(2)
Review
258(3)
People Making a Difference: Hometown Boy
251(2)
Careers in Focus---Elizabeth Arguello, Financial Services Officer, Union Bank
253(8)
Borrowing Money
261(14)
When to Borrow Cash
262(1)
Savings Institutions as Sources of Loans
262(2)
Other Sources of Loans
264(6)
Review
270(5)
People Making a Difference: Starting a Game Train
265(2)
Consumer News Clip---Home Equity Loans Back in Fashion
267(5)
Lab You and Your Community
272(3)
UNIT 6 Insurance 275(74)
Property and Home Insurance
277(16)
How Insurance Works
278(1)
Purchase Considerations
279(3)
Types of Risk
282(1)
Property Insurance
283(7)
Review
290(3)
People Making a Difference: Stopping a Dam
285(2)
Careers in Focus---Jim Owens, Field Adjuster
287(6)
Automobile Insurance
293(18)
Reasons for Automobile Insurance
294(1)
Kinds of Coverage
295(5)
Other Types of Coverages
300(1)
Automobile Insurance Rates
301(5)
Alternative Insurance Systems
306(2)
Review
308(3)
People Making a Difference: The Light of Dreams
303(2)
Consumer News Clip---Study Cites Excess Car Injury Claims
305(6)
Life and Health Insurance
311(22)
Life and Health Insurance
312(1)
Kinds of Life Insurance
312(3)
Policy Features and Provisions
315(2)
Purchase Considerations
317(2)
Medical Care Costs
319(1)
Kinds of Health Insurance Coverage
320(2)
Government Health Insurance Programs
322(2)
Private Health Insurance Options
324(6)
Review
330(3)
People Making a Difference: Going Down Fighting
325(2)
Careers in Focus---Ted Todd, Life Insurance Agent
327(6)
Income Insurance
333(16)
Social Security Program
334(1)
How Social Security Works
335(5)
Federal and State Unemployment Insurance
340(1)
Private Income Insurance Programs
340(4)
Review
344(5)
People Making a Difference: Grief and Gun Laws
339(2)
Consumer News Clip---Uncovering the Facts Behind Disability Coverage
341(5)
Lab You and Your Community
346(3)
UNIT 7 Transportation and Travel 349(46)
Buying or Leasing a New or Used Car
351(16)
Car Ownership
352(3)
Making the Best Deal on a New Car
355(2)
Buying a Used Car
357(7)
Review
364(3)
People Making a Difference: Fame, Fortune, and Charity
359(2)
Consumer News Clip---Smart's the Word in Detroit
361(6)
Owning a Car
367(12)
Ownership Means Responsibility
368(1)
Financing Arrangement
368(2)
Maintaining Your Car
370(4)
Smart Driving
374(2)
Review
376(3)
People Making a Difference: Advocates for Boating Safety
371(2)
Careers in Focus---Csaba Csere, Editor-in-Chief, Car and Driver
373(6)
Choosing Other Forms of Transportation
379(16)
Using Mass Transit to Get Around
380(2)
Traveling for Pleasure
382(8)
Review
390(5)
People Making a Difference: Getting Seniors and Infants Together
385(2)
Consumer News Clip---Drive? No Way---Not This Biker
387(5)
Lab You and Your Community
392(3)
UNIT 8 Buying Clothing 395(30)
Planning a Wardrobe
397(12)
Assessing Your Wardrobe
398(1)
Taking An Inventory
399(3)
Updating Your Wardrobe
402(2)
Making New Purchases
404(2)
Review
406(3)
People Making a Difference: Granting a College Dream
401(2)
Consumer News Clip---Dressing for Courtroom Success
403(6)
Shopping for Clothes
409(16)
What to Look For
410(4)
Fibers, Fabrics, and Finishes
414(2)
Labels
416(2)
Shopping Problems
418(2)
Review
420(5)
People Making a Difference: Teaching Many Ways to Dance
415(2)
Careers in Focus---Susan Barber, Personal Touch
417(5)
You and Your Community
422(3)
UNIT 9 Buying Food, Medicines, and Cosmetics 425(46)
Fundamentals of Good Nutrition
427(14)
The Importance of Good Nutrition
428(2)
Common Deficiencies in Teens
430(1)
Planning a Healthy Diet
431(5)
Eating Disorders and Substance Abuse
436(2)
Review
438(3)
People Making a Difference: Low-tech Processing Equals Lots of Food
433(2)
Careers in Focus---Carolyn Katzin, Nutritionist and Health Educator
435(6)
Smart Shopping Techniques
441(16)
Getting the Most for Your Time and Money
442(1)
Going to Market
442(1)
Planning Your Purchases
442(1)
Using Consumer Information
443(3)
Making Food Choices
446(3)
Taking Care of Your Purchases
449(1)
Tackling Food Buying Problems
450(4)
Review
454(3)
People Making a Difference: A Reason to Give Thanks
449(2)
Consumer News Clip---Caution is Key to Clean Food
451(6)
Drugs and Cosmetics
457(14)
Distinguishing Drugs and Cosmetics
458(1)
Purchasing Medicines
458(3)
Purchasing Cosmetics
461(1)
Purchasing Cosmetics That Are Considered Drugs
462(4)
Review
466(5)
People Making a Difference: Drug War Victory
461(2)
Consumer News Clip---Shopping for Makeup Just Got Easier
463(5)
You and Your Community
468(3)
UNIT 10 Selecting Housing 471(48)
Renting an Apartment
473(14)
Why Rent?
474(1)
Defining Your Housing Needs and Budget
475(1)
Selecting an Apartment
476(2)
Signing the Lease
478(2)
Moving
480(4)
Review
484(3)
People Making a Difference: Green Thumb in Harlem
477(4)
Careers in Focus---Geri Daly, Realtor, The Prudential Preferred Properties
481(6)
Buying a House
487(18)
Advantages of Home Ownership
488(2)
Financing a Home
490(2)
Purchasing a Home
492(10)
Review
502(3)
People Making a Difference: Making Slumlords Pay
497(2)
Belated Sticker Shock
499(6)
Furnishing a Home
505(14)
Selecting Furniture
506(3)
Selecting Appliances
509(5)
Review
514(5)
People Making a Difference: Building a Dream Home
509(2)
Consumer News Clip---Simple Solutions: How to Buy Furniture
511(5)
You and Your Community
516(3)
UNIT 11 Using Professional Services 519(26)
Medical and Dental Services
521(12)
Practicing Preventative Medicine
522(1)
Medical and Dental Care
523(3)
Health Care Costs
526(4)
Review
530(3)
People Making a Difference: A Believer in Immunization
525(2)
Focus on Careers: Randall Howard, M.D., Santa Barbara Medical Center
527(6)
Legal Services
533(12)
Legal Services
534(2)
Issues in the Field of a Law
536(1)
Review
536(9)
People Making a Difference: Making House Calls
535(2)
Consumer News Clip---Cutting the Cost of Lawyer's Time
537(5)
You and Your Community
542(3)
UNIT 12 Social Responsibility 545(27)
Your Role as a Citizen
547(12)
What Is a Citizen?
548(1)
Being a Responsible Citizen
549(1)
Good Citizens in the Community
550(3)
Social and Ethical Responsibilities
553(1)
Becoming Active in Your Community
554(2)
Review
556(3)
People Making a Difference: A Gift of Lives
553
Consumer News Clip---Wild Times in the City
552(7)
You and the Environment
559(13)
Protecting Our Natural Resources
560(1)
Natural Resource Management Problems
560(1)
Resource Conservation and Environmental Protection
561(3)
Balancing the Issues
564(1)
Your Role in Conservation
564(4)
Review
568(4)
People Making a Difference: Saving Beluga Whales in Quebec
563(2)
Careers in Focus---Paul Relis, Board Member
565(5)
You and Your Community
570(2)
Glossary 572(10)
Index 582

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