Financial literacy refers to the ability to make informed judgements and to take effective decisions regarding the use and management of money. A baseline survey carried out by the Financial Services Agency (FSA) in 2006 highlighted many issues: (1) 29% of 16-4-year-olds said they would not know how to prepare and manage a weekly budget; (2) 19%…

The four articles in this journal issue examine the pros and cons of the proposition that credit card rates are too high. In "How Congress and Consumers Will Crack the Credit Card Market," Congressman Charles E. Schumer argues that banks can get away with their excessive rates because of consumer misinformation and the unfair competitive edge held…

This publication contains a series of sessions developed and used by Newcastle City Council Family Learning Service and now published to share practice. The sessions were developed specifically to support "Skills for Life" tutors to deliver the adult literacy and numeracy curricula but can also be used by other practitioners. There are…

This student/teacher resource booklet provides information on conserving food dollars while providing nutritious meals. The guide shows how to set up a food budget and explains how scanning the weekly food ads, planning meals around the specials, and compiling a list accordingly can also help consumers get more for their food dollars. Numerous…

Use of the mass media as a teaching instrument in the classroom has increased considerably at all grade levels in the past few years. The newspaper is the most widely used of the media, the direct result of a national campaign by publishers, known as "Newspapers in Education" (NIE). This initiative encourages the use of newspapers as an…

This guide is designed for use with the "Consumer's Resource Handbook" published by the U.S. Office of Consumer Affairs. The handbook's overall purpose is to help build consumer literacy for the global marketplace of the 21st century. The handbook can familiarize students--both youth and adults--with sources of marketplace information/assistance…

This booklet is designed to help first-time car buyers determine if they can or should buy a car and how to get the most from their car-buying dollar. Leasing and renting options also are discussed. The booklet outlines the process of buying a new car, starting with a review of sizes, types, and features. This is followed by a rundown on showroom…

This comprehensive educational curriculum aims to teach adults about federal income taxes and the role of taxes in the economy. The unit provides the tools, lessons, and activities to teach information about taxes and tax forms. The lessons build upon each other. Two instructional modules can be used separately as workshop topics, integrated into…

This courseware evaluation rates the "Microcomputer Applications in Vocational Education: Home Economics" program developed by the Illinois State Board of Education. (This series of programs--not contained in this document--includes interior decorating estimating, pounds away program, decision analysis, fiber care, clothing figure…

This document consists of a handbook for consumers and a teacher's guide to the handbook. The first part of the handbook gives advice on how to be a smart consumer and includes information on how to get the most for the money, handle a complaint, write a complaint letter, use the handbook, select child care, protect personal property, choose a…

This model is designed to be used as a guide by all teachers and designers of adult vocational consumer and homemaking courses who usually function as program planners. Chapter 1 contains an operational definition, the rationale, and description of intended users. Chapter 2 presents the model description with an overview and discussion of the…

This instructional unit was developed for use with a live interactive program that was delivered via satellite in October 1993, but it can also be used separately or incorporated into other teaching materials. The unit provides basic information on savings, investing, and buying a car. The following topics are covered in the guide's five sections:…

A Health Literacy Study Circle[superscript +] is a multi-session professional development activity for adult education practitioners, conducted by a facilitator. All the information and materials required to conduct each Health Literacy Study Circle[superscript +] is presented in two parts: this Introduction and the "Facilitator's Guide" for each…

This module on how to choose and keep a checking account is one of ten in the Money Smart curriculum, and includes an instructor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to open and keep a…

This module, an introduction to bank services, is one of ten in the Money Smart curriculum, and includes an instuctor guide and a take-home guide. It was developed to help adults outside the financial mainstream enhance their money skills and create positive banking relationships. It is designed to enable participants to build a relationship with…