During the past 10 years, consumers have experienced a substantial growth in credit and an unprecedented increase in the rate of inflation. As increases in credit usage continue to outpace increases in real income and as savings rates decline, consumers are increasingly likely to suffer financial problems and are increasingly in need of money…

This module is one of a set of seven prepared in conjunction with the Title I "Project to Train Volunteer Leaders to Conduct Consumer Education Courses." It is designed to be a basic text for use in making a one-hour presentation on credit. Topics include definitions of credit, advantages and disadvantages of using credit, proper uses of credit,…

This booklet is a simple, practical guide for managing money. It provides advice to help the reader balance expenses with income and get personal finances in order. The booklet takes the reader step by step through the processes involved in setting up a basic financial plan and shows him/her how to tailor it to fit personal needs. It explains how…

Designed to assist prospective buyers in making such important decisions as whether to buy a new or older home and within what price range, the guide, written in Spanish, provides information on the purchase process. Discussion of the purchase process covers the life-cycle costs (recurring homeownership costs that must be met every month);…

Two problems dealing with consumer education are presented: (1) Obtaining and using credit; and (2) Meeting obligations as a citizen-consumer. Each problem is dealt with at three conceptual levels. Curriculum materials for each of the levels include objectives, directed activities, suggestions for feedback to students, a list of materials required…

This booklet gives young people who are just starting out on their own with a small income the information they need to manage their money. The following topics are discussed: how individuals can determine how much money they will have to live on; how to read a pay stub; Social Security and the future; the importance of putting money in the bank…

Two hundred and fifty-eight books, pamphlets, periodicals, games and simulations, films, filmstrips, multimedia packages, tours, and speakers on microeconomic analysis for consumer economics are listed in this annotated bibliography. Designed for secondary-level students, the materials were published between 1960 and 1970 by both major publishers…

The article discusses ways to implement a broadened consumer economics curriculum at the secondary level to include personal and household budgeting and purchasing, consumer credit, bank services, savings and loans, credit unions, insurance, investments, and taxation. (MF)

The Federal Trade Commission's (FTC) enactment of a change in the time-honored concept of the holder-in-due-course applies to consumer credit sales contracts and consumer service contracts. The holder-in-due-course concept is discussed in terms of the old ruling, new ruling, effect of ruling, abuses cited by the FTC, and implications for the…

This module, one of six on teaching consumer matters to low-income groups, focuses on the appropriate uses of credit. It provides basic information about credit, particularly as it applies to low-income people, and offers some techniques which help the instructor present the information to these clients. Topics include a definition of credit, why…

This handbook contains teaching ideas for personal and family financial planning courses in senior high schools. Each concept includes the type of activity, an overview of the activity in the form of a generalization, student performance indicators, a plan for implementation, evaluation criteria and materials needed to conduct the activity. Many…

Using a random sample of 68 high school students learning about consumer credit in home economics classes, the study measured learning of an experimental group using computer-assisted instruction and a control group using supervised reading methods. Pretests and posttests indicated greater learning gains in the experimental group. (Author/CH)

A series of five short-term, special interest Four-H projects on the consumer world (banking, money management, shopping, supermarket, and credit) are being used in cooperative efforts with schools throughout Florida. The materials can be used for various courses in grades seven through twelve and also are applicable to disadvantaged youth. (EA)