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- The latest information is included on financial planning, legal documents, electronic banking, estate planning, and tax laws.- Many topics have been added to this edition including gross domestic product (GDP), euro, deceptive selling techniques, health care delivery systems, buying or leasing a car, ENERGY STAR label, earth-friendly products, and more.

Tabla de contenidos provista por Syndetics

• Unit 1 Economics
• Chapter 1 Our Economic System(p. 17)
• How Our Economy Works(p. 18)
• The Law of Scarcity(p. 18)
• The Law of Supply and Demand(p. 20)
• Profits in Our Economy(p. 21)
• The Need for Competition(p. 21)
• The Role of Government(p. 22)
• Government Regulations(p. 24)
• Taxation and Government Spending(p. 24)
• The Economic Policies of Government(p. 25)
• Economic Concepts in Action(p. 28)
• The Role of Consumers(p. 28)
• The Role of Producers(p. 29)
• The Role of Government(p. 30)
• Competing for Profits(p. 30)
• International Trade and Our Economy(p. 31)
• Imports and Exports(p. 31)
• Effects of International Trade on Our Economy(p. 32)
• Chapter 2 You in Our Economy(p. 41)
• Economic Activities of Consumers(p. 43)
• Earning Your Way(p. 43)
• Spending What You Earn(p. 44)
• Saving Your Money(p. 45)
• Borrowing to Spend(p. 45)
• Sharing Financial Risks Through Insurance(p. 46)
• Investing for the Future(p. 48)
• Paying Taxes for Services from Government(p. 48)
• Voting and Participation(p. 51)
• Economic Problems of Consumers(p. 51)
• Market Characteristics and Consumer Problems(p. 51)
• Consumer Mistakes Leading to Problems(p. 53)
• Unit 2 Making Decisions
• Chapter 3 You, the Worker(p. 63)
• Making a Career Plan(p. 64)
• Identify Your Interests(p. 64)
• Identify Your Aptitudes and Abilities(p. 65)
• Look at Your Personality(p. 66)
• Assess Your Values and Goals(p. 67)
• Identify your Future Roles(p. 67)
• Study the Job Market(p. 69)
• Job and Career Information(p. 69)
• Employment Trends(p. 70)
• Careers in Family and Consumer Economics(p. 72)
• Plan the Training and Education You Need(p. 73)
• College or University Education(p. 73)
• Occupational Training(p. 75)
• Internships(p. 77)
• Apprenticeships(p. 78)
• The Armed Forces(p. 79)
• Paying for Training and Education(p. 80)
• Getting Where You Want to Go(p. 80)
• The Resume(p. 80)
• The Cover Letter(p. 82)
• The Application Form(p. 82)
• The Interview(p. 86)
• Entrepreneurship(p. 86)
• Language of the Work World(p. 87)
• Chapter 4 You, the Consumer(p. 95)
• Consumer Rights and Responsibilities(p. 96)
• Safety: Rights and Responsibilities(p. 96)
• Truthful Information: Rights and Responsibilities(p. 97)
• Choice: Rights and Responsibilities(p. 97)
• A Voice: Rights and Responsibilities(p. 98)
• Satisfaction of Basic Needs: Rights and Responsibilities(p. 98)
• Redress: Rights and Responsibilities(p. 98)
• Consumer Education: Rights and Responsibilities(p. 98)
• Healthy Environment: Rights and Responsibilities(p. 99)
• Consumer Protection by Government(p. 99)
• Government Regulation of Business(p. 99)
• Government Agencies Serving Consumers(p. 100)
• Specific Laws Protecting Consumers(p. 103)
• Consumer Self-Defense(p. 103)
• Successful Complaining(p. 103)
• Consumer Advocates(p. 106)
• Difficult Cases(p. 107)
• The Informed Consumer(p. 108)
• Community Resources(p. 108)
• The Internet(p. 108)
• Evaluating Consumer Information(p. 109)
• Personal Aspects of Consumer Choices(p. 112)
• Needs and Wants(p. 112)
• Values and Goals(p. 113)
• Establishing Priorities(p. 115)
• Standards of Quality and Excellence(p. 116)
• Consumers in the Family(p. 118)
• Chapter 5 You, the Manager(p. 123)
• Identifying and Using Resources(p. 124)
• Making Decisions and Solving Problems(p. 125)
• Making Rational Decisions(p. 126)
• The Art of Management: Using Resources to Reach Goals(p. 127)
• The Planning Phase(p. 127)
• The Action Phase(p. 127)
• The Evaluation Phase(p. 129)
• Money Management(p. 129)
• Economic Concepts That Affect Money Management(p. 131)
• Tailoring a Budget to Income and Needs(p. 131)
• Money Management in Your Future(p. 139)
• Adjusting to the World in Which You Will Live(p. 139)
• Evaluating Your Personal Finances(p. 140)
• Avoiding Financial Difficulties(p. 142)
• Keeping Financial and Legal Documents(p. 142)
• Uses of Documents and Papers(p. 142)
• Key Lists to Keep Current and Available(p. 144)
• Chapter 6 You, the Shopper(p. 149)
• Understanding the Marketplace(p. 150)
• Places to Shop(p. 150)
• Types of Sellers(p. 151)
• Selling Methods(p. 156)
• Advertising: Getting the Message to You(p. 156)
• Buying Incentives(p. 158)
• Deceptive Selling Techniques(p. 158)
• Special Sales and Promotions(p. 158)
• Packaging and Display(p. 160)
• Consumer Credit(p. 160)
• Shopping Information(p. 161)
• Advertisements(p. 162)
• Labels and Hangtags(p. 163)
• Testing and Rating Services(p. 163)
• Written Warranties(p. 164)
• Salespersons(p. 165)
• Making Shopping Decisions(p. 166)
• General Shopping Tips(p. 167)
• The Right of Refusal(p. 168)
• Shopping for Goods(p. 168)
• Shopping for Services(p. 170)
• Shopping at Sales(p. 171)
• Unit 3 Routine Spending
• Chapter 7 The Grocery Cart(p. 181)
• Planning Nutritious Meals and Snacks(p. 182)
• Nutrients You Need(p. 182)
• The Food Guide Pyramid(p. 182)
• Dietary Guidelines for Americans(p. 186)
• Before You Shop for Food(p. 187)
• Factors Affecting Food Prices(p. 187)
• Establishing a Food Budget(p. 189)
• Planning Food Purchases(p. 191)
• When You Shop(p. 191)
• The Food Store(p. 191)
• Point-of-Sale Shopping Aids(p. 193)
• Buying Specific Foods(p. 197)
• Dairy Products(p. 197)
• Eggs(p. 199)
• Meats(p. 199)
• Poultry(p. 200)
• Fish(p. 201)
• Fruits and Vegetables(p. 201)
• Grain Products(p. 202)
• After You Shop(p. 204)
• Food Storage(p. 205)
• Food Preparation(p. 205)
• Eating Out(p. 206)
• Selecting a Restaurant(p. 206)
• Tipping(p. 206)
• Chapter 8 The Shirt on Your Back(p. 213)
• First Impressions(p. 214)
• Clothes and Your Personality(p. 214)
• A Wardrobe for All Seasons(p. 215)
• The Inventory(p. 216)
• The Clearance(p. 216)
• The Additions(p. 217)
• Clothing Dollars(p. 218)
• Shopping for Clothes(p. 220)
• Clothing Construction(p. 220)
• Fibers, Fabrics, and Finishes(p. 222)
• Fit and Appearance(p. 225)
• Labels and Legislation(p. 226)
• Buying Footwear(p. 227)
• Buying Accessories(p. 228)
• Caring for Clothes(p. 229)
• Routine Care(p. 229)
• Storing Clothes(p. 229)
• Laundering(p. 230)
• Dry Cleaning(p. 231)
• Chapter 9 How You Look and Feel(p. 237)
• The Way You Look(p. 238)
• Selecting Grooming Aids(p. 238)
• Cosmetics, Safety, and the Law(p. 240)
• Buying Tips(p. 240)
• Selecting Grooming Appliances(p. 241)
• Buying Grooming Services(p. 242)
• Staying Healthy(p. 244)
• Selecting Health Care Providers(p. 244)
• Evaluating Hospitals and Medical Facilities(p. 246)
• Drugs and Medicines(p. 247)
• Health Care Delivery Systems(p. 249)
• Government Health Care Programs(p. 249)
• Nongovernment Health Care Programs(p. 250)
• Emergency Health Care(p. 254)
• Medic Alert(p. 254)
• Keeping Health and Medical Records(p. 255)
• Having Fun(p. 255)
• Selecting Sports and Hobby Equipment(p. 256)
• Travel and Vacation Planning(p. 258)
• Package Tours and Trips(p. 259)
• Unit 4 Big Spending
• Chapter 10 Getting from Here to There(p. 267)
• Transportation Choices(p. 268)
• Mass Transit(p. 268)
• Taxicabs(p. 268)
• Owning or Leasing a Car(p. 269)
• Two-Wheelers(p. 270)
• Evaluating the Choices(p. 270)
• Buying or Leasing a Car(p. 271)
• Your Needs and Wants(p. 273)
• Your Financial Situation(p. 273)
• The Automobile Marketplace(p. 275)
• Used Car Choices(p. 277)
• Where to Buy(p. 280)
• A Look at Warranties(p. 281)
• The Final Four-Point Check(p. 282)
• Financing a Car(p. 283)
• Sources of Financing(p. 283)
• Costs of Financing(p. 283)
• Finance Contracts(p. 285)
• Car Owner Responsibilities(p. 285)
• Auto Insurance Coverage(p. 285)
• Operation and Maintenance(p. 290)
• Two-Wheelers(p. 292)
• Selecting Bicycles(p. 292)
• Selecting Motorcycles(p. 294)
• Chapter 11 Where You Live(p. 301)
• Housing Location(p. 302)
• Employment Opportunities(p. 302)
• Cost of Living(p. 302)
• Climate(p. 303)
• Lifestyle(p. 303)
• Neighborhood(p. 303)
• Community Facilities(p. 303)
• Schools(p. 304)
• Sources of Information(p. 305)
• Types of Housing(p. 305)
• Apartments, Condominiums, and Cooperatives(p. 305)
• Single-Family Houses(p. 308)
• Manufactured Homes(p. 311)
• Budgeting for Housing(p. 312)
• Monthly Housing Costs(p. 312)
• Determining a Home Purchase Price(p. 313)
• Renting a Home(p. 314)
• Lease Terms(p. 314)
• Buying a Home(p. 318)
• Purchase Agreement(p. 318)
• Abstract of Title(p. 318)
• Survey(p. 318)
• Appraisal(p. 318)
• Home Mortgages(p. 319)
• Types of Mortgages(p. 319)
• Shopping for a Mortgage(p. 321)
• Home Insurance(p. 323)
• Types of Home Insurance(p. 323)
• Policy Forms(p. 324)
• Amount of Coverage to Buy(p. 324)
• Cost of Home Insurance(p. 325)
• Moving Your Possessions(p. 326)
• Before the Move(p. 327)
• During the Move(p. 328)
• Chapter 12 Inside Your Home(p. 333)
• Decorating Decisions(p. 334)
• Color as a Decorating Tool(p. 336)
• Room Plans(p. 336)
• Furniture Selection(p. 337)
• Case Goods(p. 341)
• Upholstered Pieces(p. 343)
• Sleep Furniture(p. 344)
• Floor Treatments(p. 346)
• Hard Floors(p. 346)
• Resilient Floor Coverings(p. 347)
• Soft Floor Coverings(p. 347)
• Lamps and Lighting Fixtures(p. 348)
• Window Treatments(p. 349)
• Furniture and Appliance Rentals(p. 349)
• Buying Home Appliances(p. 351)
• Appliance Features(p. 352)
• Energy Efficiency(p. 352)
• Warranties(p. 354)
• Service Contracts(p. 354)
• Using Appliances Safely(p. 355)
• Appliance Servicing(p. 355)
• Consumer Electronics(p. 356)
• Purchasing Electronic Products(p. 357)
• A Note on Batteries(p. 358)
• Help with Problems and Complaints(p. 359)
• Unit 5 Finance
• Chapter 13 Managing Credit(p. 265)
• Understanding Consumer Credit(p. 367)
• The Cost of Credit(p. 367)
• Pros and Cons of Using Credit(p. 368)
• Types of Consumer Credit(p. 370)
• Credit Cards(p. 371)
• Establishing Credit(p. 372)
• Credit Reporting Agencies(p. 373)
• Credit Contracts and Agreements(p. 373)
• Consumer Credit Legislation(p. 375)
• Truth in Lending Law(p. 375)
• Equal Credit Opportunity Act(p. 377)
• Fair Credit Reporting Act(p. 377)
• Fair Credit Billing Act(p. 377)
• Electronic Funds Transfer Act(p. 377)
• Fair Debt Collection Practices Act(p. 378)
• Preservation of Consumer's Claims and Defenses Ruling(p. 378)
• Managing Your Credit(p. 378)
• When to Use Credit(p. 379)
• Alternatives to Using Credit(p. 379)
• Shopping for Credit(p. 380)
• Credit Problems(p. 383)
• Credit Counseling(p. 383)
• Bankruptcy(p. 384)
• Chapter 14 Planning for Financial Security(p. 389)
• Lifetime Financial Planning(p. 390)
• Young Adults(p. 390)
• Middle Adults(p. 390)
• Later Adults(p. 392)
• Older Adults(p. 393)
• Retired Adults(p. 393)
• Other Situations(p. 393)
• A Savings Plan(p. 394)
• Set Goals for Saving(p. 394)
• Increasing the Value of Savings(p. 394)
• Savings Decisions(p. 395)
• Insurance Protection(p. 396)
• Investments(p. 397)
• Dealing with Financial Crises(p. 397)
• Planning for Retirement(p. 398)
• Social Security(p. 399)
• Employer-Sponsored Retirement Plans(p. 399)
• Personal Retirement Plans(p. 400)
• Estate Planning(p. 400)
• Wills(p. 400)
• Trusts(p. 401)
• Using Financial and Legal Professionals(p. 402)
• Chapter 15 Using Financial Institutions and Services(p. 409)
• Types of Financial Institutions(p. 410)
• Commercial Banks(p. 411)
• Savings and Loan Associations(p. 411)
• Credit Unions(p. 411)
• Mutual Savings Banks(p. 412)
• Other Financial Institutions(p. 412)
• Personal Checking Accounts(p. 413)
• Opening a Checking Account(p. 414)
• Managing the Cards Related to Your Account(p. 414)
• Making Deposits(p. 417)
• Endorsing Checks(p. 418)
• Writing Checks(p. 419)
• Balancing Your Checkbook(p. 419)
• Using Other Types of Checks(p. 421)
• Savings Accounts(p. 422)
• Regular Savings Accounts(p. 422)
• Certificates of Deposit(p. 425)
• Money Market Accounts and Funds(p. 426)
• A Personal Savings Plan(p. 426)
• Personal Retirement Accounts(p. 429)
• Individual Retirement Accounts(p. 429)
• The Keogh Plan(p. 430)
• Other Services of Financial Institutions(p. 430)
• Electronic Banking Services(p. 430)
• Overdraft Protection(p. 432)
• Drive-Up and Mail-In Services(p. 432)
• Safe-Deposit Boxes(p. 432)
• Stop Payment(p. 432)
• Financial Counseling and Special Programs(p. 432)
• Choosing a Financial Institution(p. 432)
• Types of Checking, Savings, and Credit Accounts(p. 433)
• Interest Rates(p. 433)
• Restrictions and Penalities(p. 433)
• Fees and Charges(p. 433)
• Safety(p. 433)
• Convenient Location, Hours, and Services(p. 433)
• Chapter 16 Investments and Life Insurance(p. 437)
• Investment Goals and Strategies(p. 438)
• Building an Investment Portfolio(p. 438)
• Risk Versus Safety(p. 439)
• Diversification for Risk Reduction(p. 439)
• Growth Potential(p. 439)
• Income Potential(p. 439)
• Timing of Investment Decisions(p. 439)
• Liquidity(p. 439)
• Marketability(p. 440)
• Tax Considerations(p. 440)
• Investment Choices(p. 440)
• Stocks(p. 441)
• Bonds(p. 442)
• Buying Stocks and Bonds(p. 445)
• Investment Clubs(p. 447)
• Mutual Funds(p. 447)
• Money Market Funds(p. 448)
• Investing in Mutual Funds and Money Market Funds(p. 449)
• Real Estate(p. 450)
• Brokerage Firms(p. 452)
• Online Trading(p. 452)
• Buying Life Insurance(p. 453)
• Types of Life Insurance(p. 453)
• Annuities(p. 455)
• Selecting the Protection You Need(p. 456)
• Choosing a Company and an Agent(p. 457)
• Unit 6 Citizenship
• Chapter 17 Your Role As a Citizen(p. 465)
• Citizenship(p. 465)
• Taxation(p. 467)
• Types of Taxes(p. 468)
• The Purposes of Taxes(p. 469)
• Tax Laws and Regulations(p. 471)
• Tax Legislation(p. 471)
• Government Taxing and Spending(p. 473)
• Federal Government Revenues(p. 473)
• Federal Government Expenditures(p. 473)
• State and Local Government Finances(p. 474)
• Balancing Taxation and Spending(p. 475)
• Income Tax Returns(p. 476)
• Record Keeping for Tax Purposes(p. 479)
• Preparing Income Tax Returns(p. 479)
• Sources of Tax Information and Assistance(p. 481)
• Tax Return Audits(p. 483)
• State and Local Taxation(p. 484)
• Social Security Taxes(p. 484)
• Your Social Security Number(p. 484)
• Social Security Benefits(p. 485)
• A Look Ahead(p. 487)
• Chapter 18 Your Role in the Environment(p. 493)
• Current Environmental Issues(p. 495)
• What You Can Do(p. 498)
• What Citizen Groups Can Do(p. 501)
• What Government Can Do(p. 502)
• Considering the Choices(p. 504)
• Energy: Where Are Tomorrow's Sources?(p. 505)
• Energy Sources(p. 506)
• Energy Conservation(p. 507)
• The Government's Role(p. 511)
• Water Resources--Present and Future(p. 512)
• Conserving Water: Your Role(p. 512)
• Sources of Additional Information(p. 513)
• Glossary(p. 519)
• Index(p. 533)

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