This test was developed in conjunction with the series of Guides for teaching personal economics in the social studies, business, and home economics curricula. The test itself consists of 50 multiple choice questions selected as having greatest validity for evaluation and representing the best balance among what should be measured to indicate…

This paper considers the structure of family income, examines some factors affecting family size, reviews alternative definitions of an adequate income for families with varying numbers, and presents data on actual consumption, according to family income and family size. A model depicting the causal relations among factors affecting consumption is…

Both the Financial Services Authority and the Basic Skills Agency are committed to supporting those individuals and organisations working to improve the financial capability of themselves and others. The development of the National Strategy for Financial Capability, coordinated by the Financial Services Authority, and the commissioning of a…

This resource list cites nationwide tests indicating that many teenagers and adults have not been well prepared to function as marketplace consumers. It notes that a survey of chief state school administrators (1990) found unanimous support among respondents for consumer education as a top or middle priority in educational revitalization. The…

The following 10 common challenges faced by small business owners in managing their companies are discussed in this monograph: (1) knowing the business; (2) knowing the basics of business management; (3) having the proper attitude; (4) having adequate capital; (5) managing finances effectively; (6) managing time efficiently; (7) managing people;…

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 handbook is intended to help consumers exercise their rights in the marketplace in three ways: (1) it shows how to communicate more effectively with manufacturers, retailers, and service providers; (2) it is a self-help manual for resolving in dividual consumer complaints; and (3) it lists helpful sources of assistance. The handbook has two…

One word was selected for each letter of the alphabet and used to develop a learning activity for teaching consumer education at the high school level. In addition to the word on which the activity is based, other words for each letter are listed which may suggest activities. Ten of the sheets are designed to be duplicated for student use. The…

This revised pamphlet was developed by a national association of credit unions for the purpose of directing consumer complaints to appropriate agencies or heads of agencies for action. Suggestions to aid the consumer are included, such as trying to solve problems at the local level before complaining to top officials. Addresses and phone numbers…

The Newburyport Project for Consumer Education, a pilot project conducted under the auspices of the Newburyport School Committee and the Massachusetts Department of Education, is described in this brochure in terms of the project's rationale, history, and implementation. The three-year project, now in its second year, is based on two principles:…

This workbook and study guide contains the teacher's answers to accompany the text of "The Consumer and His Dollars." Included are: (1) a key to the study exercises, given for each of 16 chapters, (2) the answers for 16 chapter reviews, (3) a mid-course test having 71 questions, together with an answer key, and (4) a final review test…

Unprecedented growth of the typical American family's resources since World War II have had effects upon life style, personal fulfillment, consumption of goods and services, and freedom of occupational choice. It is suggested that the time may have come for concern with nonmaterial elements that determine the quality of life. For journal…

Financial education is essential, yet on average, adults scored 57 percent on basic economic knowledge, according to the "Standards in Economics Survey" conducted in 1999 for the National Council on Economic Education. The Community Affairs Department at the Federal Reserve Bank of Cleveland surveyed financial institutions and community…

This document contains 29 two-page reports on credit, business credit, direct marketing, and real estate data prepared by the credit reporting company, TRW, for consumers. Topics covered are the following: consumer credit reports, how to obtain a copy of a consumer credit report, how credit bureaus compile consumer credit reports, the role of…