The guide was designed for use by leaders of adult groups working in the area of personal money management. The content of the guide (presented in 10 lessons) includes the following areas reported to be most pressing by persons competent in the field of money management who counsel middle and lower-income groups: the role of advertising in the…

Path analysis examines an analytical model of decision making by lending officers of 211 Texas banks when recommending agricultural technology to farmer-clients. Model analyzes effects of loan officers' ascribed/achieved personal characteristics and perceptions of organizational constraints during three stages of decision process: using…

The workbook is designed for use by adult students learning English as a Second Language, focusing on the English language skills and knowledge needed for daily living. Fifty-three exercises are presented in six parts, whose topics include: the bank; opening a new bank account; savings accounts; checking accounts; using a bank machine; and…

One of a series of units on business issues designed for secondary school students, this packet examines the responsibilities of the lender and consumer in the credit business. Teacher and student materials are provided in separate sections. The teacher's guide presents five detailed lesson plans, each focusing on a credit case study; discussion…

This teaching unit is one of a series of materials developed by the Comprehensive Vocational Teacher Education Program for the Mississippi ARC (Appalachian Regional Commission) Region to provide teacher educators, vocational directors, teachers, and others with basic instructional material needed to improve professional teaching competencies. The…

Designed to assist professionals who are confronted with clients in need of financial guidance, this financial counseling manual is presented in seven chapters. Chapter 1 focuses on the helping relationship and discusses counselor attitudes, client characteristics, making contacts, and interviewing. Chapter 2 explains the causes of over-extension…

The intent of this field tested instructional package is to acquaint the student with the elements of finance and its function in producing goods and services. Defining behavioral objectives, the course description includes a media section, suggested classroom activities, and sample student evaluation forms, as well as the basic information…

Today's increasingly complex financial services market offers consumers a vast array of products, services, and providers to choose from to meet their financial needs. While this degree of choice provides consumers with a great number of options, it also requires that they be equipped with the information, knowledge, and skills to evaluate their…

This guide to paying for college is written for families that expect to pay most, if not all, of the costs of college out of savings, investments, gifts, inheritances, borrowed funds, or a combination. It outlines usual approaches but also indicates some unorthodox methods. Chapters cover the following topics: (1) planning for college expenses;…

Focusing on obtaining and using consumer credit, this document is one in a series of three consumer education modules developed to educate individual adult consumers in important areas of consumer affairs. An introductory section provides an overview of the module contents, suggested approaches for using the module, and suggestions for working…

These Illinois skill standards for the banking cluster are intended to serve as a guide to workforce preparation program providers as they define content for their programs and to employers as they establish the skills and standards necessary for job acquisition. They could also serve as a mechanism for communication among education, business,…

These instructional materials are designed for presenting home ownership information to learners of English as a Second Language (ESL). Eleven lessons are organized into four units addressing the process of ownership, including: deciding to buy a home (determining that current living quarters are too small, getting money to buy a home, credit…

This activity and resource guide is intended to assist teachers in developing course content and effective teaching methods in business education. (General Business for Economic Understanding," 11th edition, is the adopted textbook for this guide.) The guide is organized into twelve major units and is designed so that each unit builds upon the…

This newsletter presents four articles designed to help business educators educate learners in grades K-12 about personal finance. "Now More Than Ever: The Need for Financial Literacy" examines the following topics: evidence that the United States is becoming a nation of debtors; the plummeting personal savings rate; the increasing…

Articles and resources of interest to West Virginia women are presented in this 10-part sourcebook. Part 1 focuses on work and includes articles describing the state job outlook, job hunting, sex discrimination, and union organization. Part 2, on learning, covers college and high school equivalency programs, financial aid, and women's studies.…