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INSTITUTTON DOCUMENT RESUME .i ED 117 533 CE 006 225 4r bAUTHOR Gray, Ava A.; Whorley, Beulah , TITLE Consumer Education: A Guide for - Teachers of,goma. Economics. , -INSTITUTTON" Arkansas State Dept. of Education-r-Littio, Rock. Div, of Vocational., Technical and Adult Education.; Arkansas. _Unim.t- 12-a-yettemille_.,Dept.-- of-Voca-ti-on-al-- --,---- Education. PUB DATE . Aug 71 NOTE 234p. ... EDRS PRICE MF-$0.83 HC-$12.71 Pius Postage DESCRIPTORS Concept Teaching; *Consumer Economics; *Consumer Education; *Crriculum Guides; Decision Making. Skills; Home ManagetheA; *Instructional Materials; f 4Searning,Activities; Money Management; Secondary 1 I Education , . ABSTRACT . - ' . The guide offers suggested, curriculum. materials in consumer education for secondary schoois or as background information =for teaching adults. It focuses on an understanding of decision / - making, tihe economic system, and management. The units of instruction are based on 13 concepts:(1) the process of decisiton making int* relation to consumer behavior;(2) relationship of values andgals to economic competence;(3)' influences'of the economiC system `on individual and family consumption;(4) analysis -of the business system as related to consumerism;(5) relationship of national income, money, and banks to consumer practices;(6) effect of ices and stabilization procedures on the economy;(7) relationship of taxation to the monetary system;(8) banks and consumer credit 1 t+ services;(9) effects of advertisin5 andproiective aids on consumer practices; (10) managifirind investing finances;(11) individual and, family protection through insurance; (12) financing individual and family housing; and (13) financing individual and family transportation. Each concept provides information_gout4ts general purposes, objectives and learning experiences, and references. Sample instructional materials ape- presented in a sepaiate (112 pages)" and .consist of information sheets, charts, illustrative materials, learning activities, games, torms, additional references,.and other concept-relred teaching aids. (EC) ********************************************* ************************* Documents acquired-by ERIC include many informal unpublished * materials not available from other sources. ERIC makes every effort * * to obtain the best, copy available. Nevertheless, items of marginal * * reproducibility are often .encountered and this affects the quality * * of the microfiche and hardcopy reproductions ERIC makes available * * via the ERIC Document Reproduction Service (EDTS).'EDRS is not , * * responsible for the quality of the original document. Reproductions** * supplied by EDRS are the best that can be made from t,e original. *******4********************************************* **************** S D TASE NT OF NEAL TN E DU ALTON L WEL EAGLE NA TTOHAL INSTiTuTE OF DUC A T iON b MONOGRAPH 78 Aumg 1971' 0 D ACWERS OF 'NOME ECONOMIC+, U Co A T Prepared by Mrs. Ava A. Gray, Assistant Professor Vo and' r 4 Mrs. Beulah Whovley, Associate Professor Home Economics Education 0 University of Arkansas, N Produced as a COoperative Project. State Department of Education University of Arkansas . Division Of Vocational, Technical, College of Education . & Adult Education Department of. Vocational Education Consumer and Homemaking Education Home Economics Education Little Rock, Arkansas Fayetteville, Arkansas 1 P. 0s a / FOREWORD :7 The United States recently rancheda trillion. dollar gross national .prOduct., This accomplishment which is unique inr.the historyof ,mankind required 196 years. it` is estimated-that in less than-ten-yeam-Artwo "trillion dollar economy will be attained.'These almost inconceivable 4* figure; point up the distinct need for continuouslyImproving thi' teaching of consumer education. r 1 In order to cope with the multitude.pf choicep in*themarket place the student will have to make decisionsto satisfy the quality of living desired. "An understanding of thejole of the consumerand the producer, '01 marketing practices, new lava; and agencies which protectand assist individuals -is essential for the effectiveuse of resources. phis guide was developed.undiethedirection of Mrs. Ava A. Gray, Assistant.Professor of Home EconomicsEducstionancYMrs. Beulah Whorls'', .AssOciate Professor of Rome Economics EduCation.-A number of persons 'participated in the. selection, deVelopment and fieldtesting of the . currieulum.materials. Special *cknowledgeaent is given to Miss Frances Rudd, State Director of Consular and HomemakingEducation for her," direction and'support.Mrs. Janice Blinchard,'State supervisor of Con- eUmerand Homemaking Educatione '4dpeciglly helpfulin defining the concepts and generalizations use . Genuine appreCiation is expressed . to the following graduate etude n gand/or teacherg who assistedin the development and field testing of he guideiPatricia Aikman, Pauline Caudle, Avis B. Cotton, GeorgiS 'Compton, Anna Davis, Marcia Elizandro, Betty4o Ezell,cJean Foreman, ky Fulton, Diane Galloway,- Margaret Kemp, .Phyllis Kissire, Sherron fiancee Jolene HighfilL Helen-Huckabee, Martha,Mirgrave, Yvonne ater114 Lynette Taylor,.RuthD.Walker, Earnestine Walton, Peggy Ward'- ;.1/ It is hoped that teaeherg Will find this guide usefulas a basis for the selection of objeCtOes, subject matter andlearning experiences lorthe'instruction of coneOier edUcation. The materials will need to be adoptedto the interOts.and 'educational levels of thestudents - .and:the Contest expanded 4th information fromcurrent periodicals 'newS0apers, radio, televigion and qualified resource. persons. Fayetteville, Arkansas Denver B. Hutson, Head .AugUst'1971 Department of Vocational Education . University of Arkansas 0 ACKNOWLEDGMENT Chnsumer Education has been an Important part of the home economics fittnttluu--programLin-Arkansas.--for-many-yearsHOwever, with the-cdftdetnr for theineed fpi informed*consumers'by Federal, state., and- local organic wationa and agencies and the incprporation 'of consumer educationas one Of the Major purposes of Part F,'.1968 Amendments to-the4ocational Educa- tion Act of-1963, there hai'been an effort to expand Instruction in this area. Greater eMppasis is being,given to consumer buying at all levels of comprehensive homeeconomics and aldo in family livingcourses. In 1969-70; Consumer Education as added to the hoie economics mire, riculum of 75-sdhoOls as atemester course.This course, desisted for boys-and'girls at the junior or senior leVel, has been rewardingto both students and teachers and has become.an important part of the curriculum. A tenttative-guide loi-this semester coursewas deVeloped by teacher educe-, tors in home-economics education at the Dniversity of Arkansas in 1969 to be used,on a trial basis.. , ,, idb 4eare pleased that this revised guide forconsumer edudation will be available for use in ichoolb in the,197172 school year'andexpress our sincere appreciation_to all who have made it possible: We are especially- 'gratekurto Dr. Denver Hutson, Head of theDepartment of Vocational Educe:- ion, for his'encouregement and cooperation; to Mre.liva Gray, AssWani Professor, Home EconOMics Education; and graduate, student's in'hoieeco nomica education at.the treiversity of Arkansas, for their resourcefulness and diligent effortsinthe developmentof this curriculuk material. While our nation is dedicated to provitding employment for its citizens, it must also be ,dedicated to educating people to be informed consumers. We encourage teachers,. to assist with this responsibility by studying this. guide-and.adapting it to the needs of their students to enable them to be knowledgeable lh achieving the maximum satisfaction and utilization of their,resourcOs. Frances. W. Rudd, Director Little Rock, Arkansas HomTconomics Education August 1971 State Department of Education C. v 4 1 sTABIA OF CONTENTS. or' Part V-Orientation to Guide,: r Introduction;- Developing ConsumerIdudation PrOgroAs- 3, _Wanizatiolinuk.0se J II-Units of rpstrUction. Concepts: '1. The Process of Recision Making in Relation kr ra to Consumer Behavior 11. T he'Relationehip of Values and Goars-to Economic Competence 19 r. A 3. Influences of the Ameacan Economic System on. Individnal and Family Consumption 24, 4. An Analysis of the Ambrican.Business System as Related to Consumerism . 4 30 . The Relationship of-the National. indome, Money and Banks. te-tonsumer PraCtices 41 The Effect of Prices and Siskilizationrocedures on the Economy . '45 . , , . \ 7. lbe Relationship- of Taxation tethe Moneta y System b ,of the Nation. 51 . a: Banks and Consumer Credit Services 56 . / , 9. The Effect of Advertising and Protective Aids Consumer Practices 71 Managtng, aii.d.Investing Finance 82 4- , f J1. Individual andTamily Protection ThroughInsurance' 92 'Financing-Individual and Family Housing, 106' 13. Financing 'Individual and Family Transportation 112 4 Part III-Ifttructional Meat Bulletin Boards, Charts, and Transparencies 119 Suggested References '229 -1` !.1 f PART 'ORIENTAT,ION TO G E 0 O INTRODUCTION DEVELOPING CONSUMER EDUCATION PROGRAMS ---Consumer education is the pregpratien of the individual ii the skills, concepts, and understandings.that are required for everyday living to achieve, within the framework of his own values and goals,. maximum , satisfaction. and utilization of his resources. 1 Ideally, the educated consumer will be able to participate fully and effectively in the market-place in order to bbtain maximum benefits , fromhis resources. MAjor objectives inclUde enabling the individual to develop
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