Explication of the basic law defining the rights and responsibilities of creditors and creditees is given. (LH)

Using the literature of psychology, consumer behavior, and behavioral finance, a series of hypotheses is presented that account for consumer choices of managed over index mutual funds. Results indicate a need for consumer education to increase awareness of the benefits of index investing. (SK)

The study of personal finance, including money management, income and spending, saving and investing, and the use of credit, has never found a home in schools. Business educators who teach how to manage the world of work should also teach how to manage the money earned there. (JOW)

A survey asked 323 teenagers what they want to know about financial management. Most indicated that using money to buy things they need made money important to them. Their responses differed from what 67 adults surveyed thought they needed to know. (JOW)

This report presents information on checking accounts, describes how to read a monthly statement from the bank, and provides guidelines for balancing a checkbook. Topics covered include: how banks record transactions; the importance of keeping personal records and of balancing the checkbook promptly; what happens when there are insufficient funds…

Prepare to teach a convincingly up-to-date unit on consumer credit by becoming acquainted with the people who consider these terms tools and not simply test items for a good matching test. (Author)

This booklet on managing credit, 1 in a series of 12, covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook tells how to establish credit, determine credit limits, and maintain a favorable credit history. Section 1 on understanding consumer…

This booklet on clothing, 1 in a series of 12 covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook gives wardrobe planning, buying, and care information. The first three sections consider the functions of clothing, the importance of…

Comprehensive indepth report on instructional materials programed package. Provides selection data for school systems based on multiple criteria assessing instructional processes and content, difficulty of implementation, and ease of incorporation into an ongoing curriculum design. (Editor)

Presents research on changes over a two-year period in the use of new, Western financial practices by Southeast Asian refugees and in variables affecting those changes. Significant interaction effects showed that increased use of new practices was affected by age, education, work experience, and changes in English ability. (JOW)

Consumerama is a Virginia 4-H program that teaches teens the skills, knowledge, and perspectives needed in the marketplace. The yearlong program involves three types of scored contests and culminates in a statewide competition. (SK)

A survey of 194 black households in a Chicago neighborhood found that one in five did not use banks, 49% had credit cards, over 75% used alternative financial services (AFS), and many used informal financial networks. Nonbank and AFS users tended to be lower income, less educated, younger, and unmarried people. Consumer education and public policy…

This booklet on household equipment, 1 in a series of 12, covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook offers information to help buyers purchase household equipment that is within their budget. Section 1 discusses managing equipment…