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*Ed 070 688 So 003 129 DOCUMENT RESUME *ED 070 688 SO 003 129 TITLE Teacher's Kit for Consumer Education. INSTITUTION Hawaii State Dept. of Education, -Honolulu. Office of Instructional Services. PUB DATE Jan 71 NOTE 337p. EDRS PRICE MF-$0.65 HC-$13.16 DESCRIPTORS Bibliographies; Consumer Economics; *Consumer Education; *Economic Education; Grade 12; Instructional Materials; Money Management; *Social Studies Units; State Curriculum Guides; Teaching . Guides ABSTRACT This curriculum guide on Consumer Education, designed for high school seniors, was developed to help students become aware of and knowledgeable about their role as consumers in today's society. The following key concepts for study are emphasized: general principles of consumer purchasing; consumer credit; general principles of fraud, quackery, deception and contracts; consumer laws and services; and consumer rights and responsibilities. Each unit outline provides objectives, suggested content, procedures, and activities. The kit contains leaflets, pamphlets, and newsletters published by various agencies to aid the teacher ix developing the units. Bibliographies following each unit describe available multimedia materials, and a list of general consumer education bibliographies available for purchase is included. (SHM) OF HEALTH. U S DEPARTMENT EDUCATION 8. OFFICE OF EDUCATION HAS BEEN REPRO THIS DOCUMENT AS RECEIVED TRW OUCED EXACTOORGANI:!A I ION ORIC; THE PERSON OR INATiNC, IT POINTSCif VIEW OR OPIN IONS sTATO DONOT NECESSARIE REPRESENT Of f ICIALOf iCE Of IOU OR POl CATION POSITION FILMED FROM BEST AVAILABLE COPY OFFICE OF INSTRUCTIONAL SERVICES SOCIAL STUDIES. DEPARTMENT OF EDUCATION STATE OF HAWAII JAN 197.1 'EMUS POCKET # 1: TEACHER'S GUIDE INTRODUCTORY MATERIAL PRE-TEST POCKET # 2: UNIT ONE: General Principle:, of Consumer Purchasing PAMPHLETS COMPARISON SHOPPER POCKET # 3: UNIT TWO: Consumer Credit PAMPHLETS HANDOUTS POCKET #4: UNIT THREE: General Principles of Fraud, Quackery & Deception PAMPHLETS COMIC CASE STUDIES POCKET #5: UNIT FOUR: Consumer Law and Services PAMPHLETS POCKET # 6: UNIT FIVE: Conclusion & Application POST-TEST EVALUATION SHEETS The Honorable John A. Burns Governor, State of Hawaii George D, L. Mall, Assistant Superintendent Office of Personnel Services BOARD DF EDUCATION Koichi H. Tokushige, Assistant Superintendent Off ice of Business Services Dr. Richard E, Ando, Chairman Harry C. Chuck, District Superintendent Hiroshi Yamashita, Vice Chairman Robert N. Kurnasaka Hawaii District Office George S. Adachi Marvin C. Midkiff C. Ronald Harker Ruth Tabrah Francis M, Hatanaka, District Superintendent Eugene E. Harrison Kiyoto Tsubaki Central District DIfice Mrytle K. Kaapu Tommy Wong. Jimmy T, Izu, Acting District Superintendent Honolulu District Office Teichiro Hirata, Acting Superintendent of EducatIon Domingo Los Banos, Jr., District Superintendent James R. Hunt, Acting Deputy Superintendent Leeward Oistrict Office Mrs. Donna M. Garcia, Acting Assistant Superintendent Barton H. Nagata, District Superintendent Office of Library Services Kauai District Office Dr. Arthur F, Mann, Assistant Superintendent Andy Nii, District Superintendent Office of Instructional Services Maui District Dffice .1 co ITIGA0113 GU 0 mini-course on Lucm Cckv UCATION f P;$ ,'OFFICE OF INSTRUCTIONAL SERVICES/Social Studies ()apartment of Education State of Hawaii 1971 The Honorable John A. Burns Governor, State of Hawaii BOARO OF EDUCATION Or, Richard E. Ando, Chairman Hiroshi Yamashita, Vice Chairman Robert N. Kumasaka George S. Adachi Marvin C, Mirikiff C. Ronald Harker Ruth Tabrah Eugene E. Harrison Kiyoto Tsubaki Myrtle K. Kaapu . Tommy Wong Or. Shiro Amioka, Superintendent of Education Teichiro Hirata, Deputy.SuPerin'tendent James R. Hunt, Assistant Superintendent Office of Library Services . Or, Arthur F. Mann, Assistant Superintendent Office of Instructional Services George 0. L. Mau, Assistint Superintendent Office of Personnel Services Koichi H. Tokushige, Assistant Superintendent Office of Business Services . Harry C. Chuck, District Superintendent Hawaii District Office . Francis M.Hatanaka, District Superintendent . Central Diit:ict Office . 'Jimmy Izu; Acting District Superintendent. HOnolulu DistrictOffice; *. Oomingo Los Banos, Jr., District Superintendent iitWard Districi Office' . Or Albert H. MiyasatO, District Superintendent' WindwirciOistrici Office . Barton H. Niigata, District Superintendent Kauai dristfiCt Office AndyNii;Dihtrict Superintendent Maul District Office - TEEM 1HE mini-coupe on CO.L,ILTAIER EDUCATION Published by the Office of Library Services/TAC for the OFFICE OF INSTRUCTIONAL SERVICES/Social Studies Department of Education State of Hawaii 1971 Publication No. TAC 71.2712 dP$ FOREWORD Consumer Education is a mini-course designed for all seniors in high school.It was developed on the premise that as graduating seniors go out into the larger community as wage earners or continue their education at other institutions of learning, they need to be aware of their role as adult consumers in the community's and nation's economy. They should build on their knowledge and background on how to set priorities, how to budget, and how to manage their money wisely.They should also build on their under- standing of buying motivations, sales promotional devices, sound principles of consumer purchasing, credit charges, true annual interest, fraud, quackery, deception, contracts, consumer laws, and consumer services, all of which can affect them personally. The goal of this course is to help students become aware of and knowl- edgeable about their role as consumers in today's society.It is hoped that they will be wise consumers armed with critical thinking and healthy skepti- cism. A consumer education curriculum guide, teacher's kit, and four in- service ETV programs have been prepared to assist teachers and students in this learning adventure. The curriculum should be viewed flexibly in terms of how it is pre- sented. Each of the five units in this course has lessons which may vary in length depending on the extent to which they are developed.Some learning activities might involve multiple resources and extend over several days. Teachers and students might also wish to pursue other activities which they see as relevant and interesting. The in-service ETV series which accompanies this course will pre- sent an overview of the curriculum as well as give numerous suggestions and aids to teachers to enable them to teach the course in the most meaning- ful way possible to their students. INTRODUCTION As a way of orienting. ourselves ,`to the need for consumer education and its place in the education of the students in our schools, we might reflect on the comments and directions that emanate from national leaders in the field. THE RESPONSIBLE CONSUMER (Sidney Margolius) This has been called "the age of the consumer." Never before have consumer problems and needs received so much attention from community organizations, legislators, educators, and newspapers and other media. Consumer organizations have grown in number, size, and influence.. Government agencies are increasingly active in protecting consumers.High schools and colleges now offer more courses in consumer education. Congress and various state legislatures have enacted,' or are considering, laws aimed at redressing a number of long-standing consumer grievances. Some of these new laws are aimed at preventing outright frauds.Others are intended to make it easier to compare values in an age of increasingly complex mer- chandise, and to avoid the traps of high-pressure advertising and selling. This new awareness of your rights and needs as a consumer stems from the realizations that how you spend your money is quite as important as how you earn it. How you spend your money affects both your own welfare and that of society in general.Waste cf family resources through lack of information or through deception means waste of national resources too. 4 ti PRESIDENT NIXON'S COMMITTEE. ON CONSUMER INTERESTS (Virginia Knauer, Special Assistant to the President for Consumer Affairs) "Consumer Education is an imperative need for every young person in America. With the technological changes, complexity of the marketplace, and the difficulties in evaluating and discriminating among the myriad of goods and services, it has become more important and obvious that our students need to become knowledgeable consumers. "For our educational institituions to be totally responsive, they must teach students not only how to exist but how to live.Only through an effective educational process can young men and women hope to cope with a marketing world dominated by complex, sophisticated products. Only through an effec- tive educational process can we arm our citizens with the knowledge necessary to combat those who would cheat and mislead. "Consumer education then, is an imperative need, but in too many areas that need is not being met. "Today, we have thousands of courses on elementary algebra, but few effective courses on elementary shopping. "We teach young men how to design or repair a car, but we don't teach courses in tactics of used car salesmen. "We teach young women to be good secretaries, but they graduate without knowing the meaning of bait and switch. "We urge young and old, rich and poor, black and white, to eat balanced meals and to operate on balanced budgets but our educational curri- culum designed to reach those ends is too often unbalanced. "And often we applaud material progress without recognizing at the same time that
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