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…

A teacher of deaf elementary students describes the ways in which a classroom store and bank helped students find out the applications of math skills. (CL)

Article discusses various means consumers can utilize to stretch personal and family resources to cover needs and as many of their wants as possible. (Editor)

A survey of middle and high school family and consumer sciences teachers (99 of 300 responded) about financial topics identified by the National Jump$tart Coalition indicated that most high schools provided more instruction time than middle schools. Problem solving and decision making were most frequent processes. Only 46 schools offered separate…

The article describes new methodologies for teaching monetary skills to mentally retarded individuals. Procedures were designed to produce emergent new behavior through stimulus class formation, exclusion, and matching of stimulus components. Three case studies demonstrate the methods. (Author/DB)

Money 2000 is a South Carolina program that educates participants in personal savings and debt reduction. It is marketed through state-local government agency collaboration, promotional items, and extensive media coverage. It targets a diversified audience, including youth, rural farm families, and families with limited resources. (SK)

A financial literacy test was administered to 1,643 high school students in 31 states. State mandates for generic consumer education were not associated with higher scores. Students in states requiring specific personal finance coursework scored significantly higher than those in generic-mandate or no-mandate states. (Contains 23 references.) (SK)

In the context of increased labor market flexibility and "portfolio work," adults need knowledge of financial services and their interrelationships with insurance, taxation, and welfare systems. One approach uses the radical tradition of adult education to help people develop critical awareness and control of their financial decision…

Through this literature review, the authors explore financial educations' relevance to urban society. They consider research measuring children's financial development by observing environmental influences that affect both financial learning and personal judgments. These conditions necessitate financial curricula addressing associated challenges.…

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 handbook is intended to help consumers exercise their rights in the marketplace in three ways. It shows how to communicate more effectively with manufacturers, retailers, and service providers; it is a self-help manual for resolving individual consumer complaints; and it lists helpful sources of assistance. The handbook has two sections. Part…

This booklet on financial plans, 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 presents an easy-to-use plan for managing income and reaching financial goals. The importance of planning is discussed first. The next…

This booklet on automobile purchasing and maintenance, 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 discusses buying, maintaining, and operating cars. Section 1 discusses managing automobile dollars. Topics include…

This booklet on housing, 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 shows how to determine housing needs and analyze housing costs, whether one rents, buys, or builds a home. The first five sections briefly…

This publication for teachers focuses on one specific content area of consumer education--financial planning. The first major section begins by identifying eight competencies in financial planning education. It describes the financial planning process used to anticipate changes in moving from one stage of life to another, choosing the options, and…