In November 2014, with broad bipartisan support, Congress reauthorized CCDBG [Child Care and Development Block Grant] (the major federal child care program) for the first time since 1996. The new law strengthens CCDBG's dual role as a major early childhood education program and a work support for low-income families. This implementation guide is…

This guide was written to introduce consumers to home equity conversion (HEC) plans that are currently available and to explain the current state of HEC developments. It describes how the basic types of HEC plans work, gives examples of how how they can be used, discusses their advantages and disadvantages, and tells where they are available.…

In a consumer education brochure, the Federal Trade Commission traces steps that a family might take in fiancing an auto. Through the use of a case study comparison of the credit terms of two car dealers, explanations are given for terms such as annual percentage rate, credit life insurance, finance charge, and deferred payment price. Copies of…

Designed to introduce the metric system to consumers, this guide, developed in Canada, offers a brief definition and history of the metric system and rationale for change. The conversion experiences of other countries are described, and questions about learning the new system and problems involved with the conversion process are also considered.…

This is one of a series of booklets prepared as a resource for the American Association of Retired Persons' (AARP) Consumer Housing Information Service for Seniors, a local AARP volunteer program that uses trained Housing Information Volunteers to provide impartial information to older people who have questions of concern about how to find safe,…

The document is a guide to a consumer education course; the course format is a series of several activity-based miniunits for each of 15 instructional areas: components of life styles, decision making, settling conflicts, budgeting, handling and controlling family income, credit, interest rates, savings institutions, family financial security,…

This manual contains information for consumer education, which is defined as the process of imparting to an individual the skills, concepts, knowledges, and insights required to help each person evolve his or her own values, evaluate alternative choices in the marketplace, manage personal resources effectively, and obtain the best buys for his or…

This occupational simulation booklet is one of several career exploration instructional units resulting from the rural southwestern Colorado CEPAC Project (Career Education Process of Attitude Change). (This simulation was designed to be used following detailed student exploration and learning in a unit on the consumer in the marketplace which…

The publication was produced in cooperation with the New York State Banking Department and is intended primarily as a teaching module to introduce high school students to how banks operate and how consumers can make best use of a bank's services. There is no assumption of prior banking experience or knowledge. In addition to some brief notes to…

Five problems dealing with consumer education are presented in this book: (1) Why study human behavior? (2) Recognizing consumer problems in American society; (3) Recognizing that price and brand name are not necessarily measures of quality; (4) Increasing purchasing power and personal satisfaction through making a search for information; and (5)…

Individuals and organizations administering consumer credit services are urged to adopt the following recommendations and the Code of Billing and Collection Practices (also included): (1) Credit grantors should support continuing educational programs at national and local levels on the nature of the consumer credit system. (2) Whenever possible,…

This guide, developed in Canada, discusses the benefits of the metric system to industry and consumers. The major rationale offered for adopting the metric system is that uniformity in standards will facilitate the increasing trend toward worldwide communication and world trade and thus benefit both producer and consumer. Possible specific changes…

This guide to creative home financing outlines basic concepts needed in shopping for a home loan. Many plans are described so that buyers can make their own decisions. The guide contains three sections: (1) getting started--highlighting the essentials; (2) defining terms; and (3) payment tables. The first section summarizes 15 financing plans in a…

This volume explores the problem of taking an intelligent approach to advertising. Curriculum materials are provided for three conceptual levels of this problem and include objectives, directed activities, suggestions for feedback to students, a list of materials required for teaching each stage, and teacher references. Support materials include…

This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…