Economic Issues for Consumers,9780534552367

Economic Issues for Consumers

by ;
Edition: 9th
ISBN13: 9780534552367
ISBN10: 0534552366
Format: Hardcover
Pub. Date: 2000-07-31
Publisher(s): Wadsworth Publishing
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Summary

This book employs an "issues approach" to consumer economics. Each chapter has one or two consumer issues that are highlighted through engaging, real world examples. These real world examples are highly applied aspects of everyday consumer situations.

Table of Contents

Preface xvii
Unit 1 The Consumer in Today's World 1(116)
The Consumer in Our Electronic Economy
2(23)
Scarcity and the Consumer
3(1)
Universal Scarcity
4(1)
The Necessity of Choice
4(1)
Choice and Opportunity Cost
5(1)
The Tradeoffs Facing You
5(1)
An Implicit Assumption
5(1)
Markets
6(1)
Voluntary Exchange in the U.S. Economy
6(1)
Demand and Supply Analysis---A Brief Introduction
6(1)
Law of Demand
7(1)
Law of Supply
7(1)
Equilibrium Price
8(1)
The Rational Consumer---What's a Dress Worth?
8(2)
Relative Price
10(1)
Consumer Sovereignty in a Market Economy
10(1)
The Real World of Imperfect Competition
11(1)
Role of Government
12(1)
The Cyber Consumer---Furnishing a Home Online
13(1)
Americans in an Electronic Market
14(1)
Growth of the Internet
14(1)
Consumer Use of the Internet
15(1)
The Cyber Economy
15(1)
New Technology---New Responsibilities
16(1)
Consumer Economics in an Electronic Economy
16(1)
Consumer Issues: An Introduction
17(1)
Consumer Issue 1: Ethics and the Consumer
18(7)
Rational Consumer Decision Making
25(21)
Decisions, Decisions
26(1)
Rational Consumer Decision Making
26(2)
Values and Rational Decision Making
28(8)
What are Values?
28(3)
Deciding to Act
31(1)
Identifying Alternatives
31(1)
Evaluating Alternatives
31(5)
Conspicuous Consumption
36(1)
Time Management and Rational Decision Making
36(3)
Breaking Parkinson's Law
37(2)
Consumer Issue 2: Buying Technology--Based Products
39(7)
A Flood of Advertising
46(21)
Costs and Benefits of Advertising
47(1)
Who Pays?
47(1)
Brand--Name Advertising
48(2)
Promoting Brand--Name Loyalty
48(1)
The Value of Brand Names
49(1)
Benefits of Brand Names to Producers
49(1)
Other Types of Advertising
50(1)
Informative Advertising
50(1)
Comparative and Defensive Advertising
50(1)
The Cyber Consumer---Informative Advertising on the Internet
51(1)
The Ugly Side of Advertising
52(1)
Deceptive Advertising
52(2)
What Kinds of Ads Are Deceptive?
52(1)
Bait and Switch: The Case of the Obsolete Video Camera
53(1)
Other Deceptions
53(1)
Consumer Closeup---What Constitutes Bait and Switch?
54(1)
What the FTC Can Do
54(1)
Cease-and-Desist Orders
54(1)
Counteradvertising
55(1)
What You Can Do
55(1)
Advertising and Your Privacy
55(1)
Your Telemarketing Rights
56(1)
Privately Prepared Information
57(1)
The Ethical Consumer---Would You Buy Kathie Lee Clothing?
58(1)
How Much Information Should We Acquire?
59(2)
Consumer Issue 3: Shopping on the Internet
61(6)
The Many Faces of Fraud
67(17)
Personal-and Health-Care Fraud
68(1)
The Cyber Consumer---The National Fraud Information Center
69(2)
Weight Reduction
70(1)
The High Price of Beauty
71(1)
Health-Insurance Scams
71(1)
Consumer Goods Fraud
71(2)
Being an Assertive Consumer
72(1)
Cooling-Off Periods
72(1)
Consumer Closeup---When Is a Toupee Not a Wig?
73(1)
Telemarketing and Mail-Order Madness
73(1)
Federal Trade Commission Rules
74(1)
Hints to Catalog Shoppers
74(1)
Protection from Fraudulent Advertising
75(4)
Automobile Repair Services
76(1)
TV or Computer Repair Services
76(1)
Buying Education
76(1)
Financial-Services Fraud
76(1)
Interstate Land Sales
77(1)
Credit Card Fraud
78(1)
Ways to Avoid Being Victimized by Consumer Fraud
79(1)
Consumer Issue 4: Recognizing and Avoiding Internet Fraud
80(4)
Protection for the Consumer
84(33)
Sources of Consumer Protection
85(5)
Antitrust Laws
85(2)
Food and Drug Act
87(1)
A Renewed Interest in the Consumer
88(1)
The Presidents Speak Up
89(1)
Consumer Responsibilities
90(1)
Enforcement of Federal Consumer Protection Laws
90(1)
The Ethical Consumer---How Far Would You Go?
91(1)
Consumer Affairs Council and Coordination of Consumer Programs
91(1)
Federal Trade Commission
91(1)
The Cyber Consumer---The U.S. Department of Commerce Home Page
92(2)
Consumer Product Safety Commission
93(1)
State and Local Governments and Consumer Protection
94(1)
Using Small Claims Courts
94(1)
The Global Consumer---Recalls Happen Everywhere
95(3)
What Are Your Rights and Responsibilities?
95(1)
You Have to Watch Out
96(1)
Does Your Case Make Sense?
96(1)
How These Courts Work
97(1)
Preparing for Trial
97(1)
What Happens in Court
98(1)
Sources of Private-Sector Consumer Protection
98(3)
Organizations That Report on Consumer Products
98(1)
Consumers Union
98(1)
Consumers' Research Association
99(1)
Other Product-Testing Groups
99(1)
Better Business Bureaus
99(2)
Role of the Media
101(1)
Private Industry's Self-Regulation
101(1)
Warranties and Consumer Protection
101(3)
Magnuson-Moss Warranty Act
102(1)
Full versus Limited Warranties
102(1)
Settling Disputes
102(1)
Implied Warranties
102(1)
Implied Warranty of Merchantability
103(1)
Implied Warranty of Fitness
103(1)
Consumer Protection Today
104(2)
Consumer Issue 5: Getting Help for Consumer Problems
106(11)
Unit 2 Budgeting 117(58)
The Consumer as Wage Earner
118(22)
Investment in Human Capital
119(1)
Rate of Return for Education
119(1)
The Changing Job Scene
120(1)
Occupational Wage Differentials
121(1)
The Global Consumer---Preparing for a Career in the Global Economy
122(1)
Wages and Ages
122(1)
Occupational Choice and Income
123(1)
The Cyber Consumer---Career Guidance on the Internet
124(1)
Nonmoney Income
125(1)
Gender and Jobs
126(1)
Problems in the Workplace
127(1)
Jobs through the Year 2006
127(1)
Consumer Closeup---Equal Athletic Opportunities
127(3)
The Problem of Inflation
130(2)
How Inflation Is Measured
130(1)
Problems with the CPI
131(1)
Varying Effects of Inflation
132(1)
Inflation and Consumer Decisions
132(1)
Real and Money Values
133(1)
Consumer Issue 6: How to Choose and Start a Career
134(6)
You Have to Live with What You Have
140(18)
Consumers Need a Spending Plan
141(1)
Democratic Decision Making
142(1)
The Family Council
142(1)
College and Budgeting
143(1)
Budget Making, Goals, and Value Clarification
143(1)
The Cyber Consumer---Finding Financial Aid Online
144(1)
How Does the Typical Household Allocate Its Income?
145(1)
Creating a Budget Plan
146(2)
The Importance of Keeping Records
147(1)
Constructing a One-Month Budget Worksheet
147(1)
Developing an Annual Budget Worksheet
147(1)
Reviewing Your Budget
148(1)
Fitting It All into a Lifetime Plan
148(1)
The Rational Consumer---What Is a Necessity?
149(1)
Budget-Assistance Programs
150(1)
Budget Software
150(1)
Consumer Credit Counselors
150(1)
Consumer Issue 7: Budgeting for Recreation and Leisure
151(7)
Paying for Government
158(17)
The Whys and Hows of Taxation
159(3)
First, a Little Theory
159(1)
The Benefit Principle
159(2)
The Ability-to-Pay Principle
161(1)
Personal Federal Income Tax
162(1)
How Our Progressive System Evolved
162(1)
The Rational Consumer---Taxes on Tips
163(2)
A Complicated Tax System
164(1)
Taxpayers as Consumers of Government Services
164(1)
The Cyber Consumer--Tax Assistance from the IRS Online
165(1)
Consumer Issue 8: Preparing Your Income Tax Return
166(9)
Unit 3 Major Consumption Expenditures 175(106)
The $850+ Billion American Diet
176(29)
Choosing the Food We Eat
177(1)
Government Labeling and Inspection Requirements
178(5)
Fair Packaging
178(1)
Food Labeling
178(2)
USDA Grades
180(1)
Meat
181(1)
Poultry
181(1)
Other Food Products
182(1)
Irridated Meats
182(1)
The Global Consumer---Exporting Genetically Modified Foods
183(1)
Food Labels and the Consumer
183(1)
The Cost of Labeling
183(1)
Nutrition
183(3)
Recommended Dietary Allowances
185(1)
Basic Food Groups
185(1)
Food Additives
186(4)
Classification of Additives
188(1)
Direct Additives
188(1)
Food Colors
189(1)
Preservatives
189(1)
Artificial Sweeteners
189(1)
The Cyber Consumer---Online Dietary Guidelines
190(3)
Indirect Additives
191(1)
How Safe Is ``Safe''?
191(1)
Consumer Confusion
191(1)
Dietary Supplements
192(1)
Tradeoffs We Make When We Buy Food
193(1)
Health, Natural, and Organic Foods
193(1)
The Growing Trend toward Convenience Food
193(2)
Why Convenience Foods?
193(1)
Fast Foods Aren't Necessarily Junk Foods
194(1)
Getting the Most for Your Food-Shopping Dollar
195(2)
Are Name-Brand Foods Better?
195(1)
The Psychology of Selling Food
196(1)
Unit Pricing
196(1)
Electronic Price Scanning and the Consumer
196(1)
The Rational Consumer---Truth in Weight-Loss Programs
197(1)
Consumer Issue 9: Shopping for the Lo-Cal Diet
198(7)
Purchasing Household Products
205(25)
Clothing, Happiness, and Budget Considerations
206(1)
Why So Many Clothes?
207(1)
Customs
207(1)
Aesthetic Considerations
207(1)
Values
207(1)
Durability versus Price
208(1)
Indications of Quality
208(4)
Fabric Content
208(1)
Tailoring
209(3)
The Powerful Fashion Industry
212(1)
What's in a Name?
212(1)
Government Regulation
212(1)
The Cyber Consumer---Shopping for Fashion on the Internet
213(1)
Choosing Durable Goods
214(1)
Consumer Durables as an Investment
215(1)
Evaluating the Purchase of a Consumer Durable
215(4)
The Cost Side of the Picture
216(2)
Benefits
218(1)
Servicing Your Consumer Durables
219(2)
Pros and Cons of a Service Contract
219(1)
The ``90'' Rule
220(1)
Before you Call a Service Person
220(1)
Consumer Closeup---Rent-to-Own Agreements
221(1)
The Special Case of Buying Furniture
221(3)
Judging the Quality of Furniture
221(1)
Choosing Where to Purchase Furniture
222(1)
Purchasing Furniture over the Internet
223(1)
What to Do When You Have a Complaint
224(1)
Consumer Issue 10: Finding the Right Deal for a Consumer Durable
225(5)
Getting There Is Half the Worry
230(22)
We Depend on Cars in Many Ways
231(1)
The Trend toward Safer Automobiles
231(1)
Safety Requirements
231(1)
Costs and Benefits of Safety Devices
232(1)
Safety and Sobriety
232(1)
The Social Costs of Driving
232(1)
The Private Costs of Driving
233(1)
The Repair Dilemma
233(1)
The Cost of Depreciation
234(1)
Getting Good Repairs
234(1)
Deciding When to Buy
234(1)
Deciding What You Want
235(1)
Gathering Information
235(1)
What Type of Car to Buy?
236(1)
Options
236(1)
Dealer Add-ons
236(1)
Getting the Best Deal on a New Car
236(2)
Buying through a Dealership
236(1)
Location
237(1)
Reputation
237(1)
Service Facilities and Personnel
237(1)
The Deal Offered
238(1)
Sales Tactics
238(1)
High-Balling
238(1)
The Rational Consumer---Do You Have the Right to Know?
238(2)
Low-Balling
239(1)
Bushing
239(1)
Car Shopping on the Internet
239(1)
The Cyber Consumer---Purchasing Cars Online
240(1)
Leasing versus Buying
240(2)
How a Lease Works
241(1)
Steps to Leasing
241(1)
Should You Choose a Used Car?
242(2)
Final Guidelines for Consumers
244(1)
Financing That Purchase
244(2)
Where to Borrow For a Car
244(1)
What Length of Loan to Take Out
245(1)
Know Your Lemon Laws
246(1)
Arbitration Programs
247(1)
Criticism of Industry Arbitration Panels
247(1)
The Rational Consumer---Choosing the Right Repair
247(1)
Consumer Issue 11: How to Avoid Fraudulent Car-Repair Practices
248(4)
Putting a Roof over Your Head
252(29)
Why Are We Willing to Pay So Much?
253(1)
Renting versus Buying
253(4)
Advantages of Renting
254(1)
Advantages of Buying
254(1)
Tax Benefits of Home Ownership
255(1)
How Much Can You Afford?
255(1)
Initial Costs
255(1)
Monthly Costs
255(2)
If You Decide to Buy
257(2)
Looking on the Internet
257(1)
What Does a Real Estate Agent Do?
257(1)
For Whom Does a Real Estate Agent Work?
258(1)
The Ethical Consumer---Conflicting Values and Sprawl Control
259(3)
How to Bargain
259(1)
Before You Sign Anything
260(2)
Making the Offer
262(1)
Title Examination and Insurance
262(1)
Different Types of Homes
263(2)
Condominiums
263(1)
Townhouses
264(1)
Cooperatives
264(1)
Paying for Your Home
265(1)
Sources of Mortgages
265(1)
Comparison Shopping
265(1)
Mortgage Talk
266(1)
Discount Points
266(1)
Prepayment Privilege
266(1)
Amortization
266(1)
Different Kinds of Mortgages
266(1)
Conventional (Fixed-Rate) Mortgage
266(1)
The Cyber Consumer---Mortgage Calculators on the Internet
267(3)
Adjustable-Rate Mortgage
268(1)
Graduated-Payment Mortgage
268(1)
Rollover Mortgage
268(1)
VA Mortgage
269(1)
FHA Mortgage
270(1)
Creative Financing
270(1)
Mortgage Repayment Terms
271(1)
The 15-Year Mortgage
271(1)
Extra Payments
272(1)
Biweekly Payments
272(1)
Closing Costs
272(2)
The Rational Consumer---Finding Rental Information
274(1)
Consumer Issue 12: Renting a Home
275(6)
Unit 4 Financial Management 281(90)
Banks and the Banking System
282(23)
Depository Institutions
283(1)
Federal Reserve System
283(1)
Structure and Powers of the Federal Reserve System
283(1)
A Clearinghouse for Checks
284(1)
Different Types of Checkable Accounts
284(4)
Minimum Balance
285(1)
Free Checking
286(1)
Activity, or ``Per-Check,'' Plan
286(1)
Package Plan
286(1)
Overdraft Accounts
286(1)
NOW and Super NOW Accounts
286(1)
Money Market Deposit Accounts
286(2)
Asset Management Accounts
288(1)
Selecting the Right Account
288(1)
Certified Cashier's and Traveler's Checks
289(1)
Selecting the Right Bank---Beware before You Deposit
289(1)
How to Avoid Banking Problems
290(3)
Writing Check
290(1)
Endorsing a Check
290(1)
Stale Checks
291(1)
Stop-Payment Orders
291(1)
Deposit Holds
291(1)
Avoiding Bounced Checks
292(1)
Reconciling Your Bank Balance
293(1)
How to Settle a Complaint with a Bank
293(1)
Electronic Fund Transfer Systems
294(3)
Types of Electronic Transfers
294(1)
Automated Teller Machines
294(1)
Point-of-Sale Systems
295(1)
Preauthorized Direct Deposits and Withdrawals
295(1)
Pay-by-Telephone System
295(1)
Protection with Electronic Banking
296(1)
Consumer Closeup---How Much Is Convenience Worth?
297(1)
The Trend toward a Cashless Society
297(1)
The Ethical Consumer---The Ethical Use of Cyberspace
298(1)
The Cyber Consumer---Online Banking Services
299(1)
Consumer Issue 13: Coping with Computerized Banking Services
300(5)
The Indebted Consumer
305(26)
The Indebted Society
306(1)
Sources of Credit
306(2)
Sources of Consumer Loans
306(1)
Commercial Banks
306(1)
Consumer Finance Companies
306(1)
Credit Unions
307(1)
Loans on Your Life Insurance
307(1)
Other
307(1)
Sources of Consumer Sales Credit
307(1)
Automobile Dealers and Financial Services
307(1)
Credit Cards
307(1)
Credit Online
308(1)
Why Borrow?
308(1)
Saving versus Credit Buying
309(2)
What It Costs to Borrow
311(1)
Interest Rate Determination
311(1)
Finance Charges
311(1)
Consumer Credit Legislation
312(1)
Truth-in-Lending
312(1)
Consumer Closeup---A Tale of Woe
313(1)
Regulation of Revolving Credit
313(2)
Two-Cycle Method
315(1)
Equal Credit Opportunity
315(1)
Fair Credit Billing Act
316(1)
Fair Credit Reporting Act
316(1)
Fair Debt Collection Practices Act
317(1)
The Cyber Consumer---Checking Your Credit History
318(1)
Going into Personal Bankruptcy
318(1)
Why So Many Bankruptcies?
319(1)
The Ethical Consumer---Bankruptcy: Who's at Fault?
319(1)
Filing for Chapter 7 Bankruptcy
320(1)
Exemptions
320(1)
Advantages and Disadvantages of Straight Bankruptcy
321(1)
Chapter 13 Plans
321(1)
Consumer Issue 14: Coping with the Credit Maze
322(9)
Saving
331(16)
Why Save at All?
332(1)
What Determines How Much You Save?
333(2)
Saving and Expected Rates of Inflation
333(1)
Taxes and Saving
333(1)
Your Savings Goals
334(1)
Other Determinants of the Rate of Saving
334(1)
The Nature of Compound Interest
335(1)
Alternative Vehicles for Saving
336(2)
Passbook Savings Accounts
336(1)
Time Deposits
336(1)
Why Use Time Deposits
337(1)
Disadvantages of Time Deposits
337(1)
Types of Time Deposits
337(1)
Club Accounts and Bonus Savings Accounts
337(1)
Certificates of Deposit
338(1)
Floating-Rate Deposit Accounts
338(1)
NOW and Super NOW Accounts
338(1)
Money Market Deposit Accounts
339(1)
U.S. Savings Bonds
339(1)
Series EE Bonds
339(1)
Series HH Bonds
340(1)
I Bonds
340(1)
Treasury Securities
340(1)
The Cyber Consumer---Investigating Savings Option Online
341(1)
How Much to Save?
342(1)
Consumer Issue 15: Creating an Individual Savings Plan
343(4)
Investing
347(24)
The Simple Facts about Investing
348(1)
The Risk and Rate of Return Tradeoff
348(1)
Some Facts about the Stock Market
348(1)
Common Stock
349(1)
The Rational Consumer---Who Wins in an IPO?
349(2)
Preferred Stock
350(1)
Corporate Bonds
350(1)
Capital Gains and Losses
351(1)
What Affects the Price of a Stock?
351(1)
Making Money in the Stock Market
351(3)
Should You Employ a Full-Service Broker?
352(1)
Choosing a Full-Service Stockbroker
352(1)
Investing Online
353(1)
What About Investment Advisers?
354(1)
Mutual Funds
354(3)
The Two Types of Mutual Funds
355(1)
Money Market Mutual Funds
356(1)
The Cyber Consumer---Checking Out Mutual Funds Online
357(1)
Is There No Way to Get Rich Quick?
358(1)
Watch for Those Sure-fire Schemes
359(1)
The Global Consumer---Buy Them When They're Down
359(1)
Pensions and Retirement Funds
360(3)
Individual Retirement Accounts
360(1)
Roth IRAs
360(1)
Investing through 401(k)s
361(1)
Keogh Plans
361(2)
Consumer Issue 16: Making Personal Investment Plans
363(8)
Unit 5 Risk Management 371(74)
The Health-Care Dilemma
372(28)
The Foundation of Insurance---Risk Pooling
373(1)
Our Need for Medical Insurance
373(1)
The Government Steps In
374(1)
The Insurance Framework
374(2)
The Supply of Medical Care
376(2)
Restricted Entry
376(1)
A Surplus of Physicians?
376(2)
Drug Regulation and Its Costs
378(1)
High-Tech Medicine
379(1)
The Malpractice System
379(1)
Who Can Afford the Medical Bill?
380(1)
Consumer Closeup---Should You Have a Right To Know?
380(1)
Health-Care Dilemma---or Crisis?
381(1)
Tackling Waste and Inefficiency
381(6)
Health Maintenance Organizations
382(1)
HMO Legislation
382(1)
The Pros and Cons of HMOs
382(1)
Preferred Provider Organizations
383(1)
Cost-Management Systems
383(2)
Controlling Medicare Costs
385(2)
Mandatory Health Insurance Coverage
387(1)
Weaknesses in the Proposed Mandatory Plans
387(1)
Potential Benefits of Universal Medical Insurance
387(1)
The Ethical Consumer---What do You Do When Your Insurer Says No?
388(1)
The Clinton Administration Tries but Fails
388(2)
The Clinton Proposal
388(1)
Why Congress Failed to Act
389(1)
Health Care as a Consumer Product
389(1)
The Cyber Consumer---Searching for Medical Insurance Online
390(2)
Health Care as a Constitutional Right
390(2)
Consumer Issue 17: Purchasing Medical Care
392(8)
Insuring Your Home and Your Automobile
400(19)
Insuring Your Home
401(5)
Types of Homeowners' Coverage
401(1)
Adding a Personal-Articles Floater Policy
402(1)
Personal-Effects Floater Policy
402(1)
Excess-Liability Policy
402(1)
Flood Insurance
402(1)
How Much Insurance Should You Have?
403(1)
Periodic Review of Coverage
404(1)
How to Save on Insurance
404(1)
Homeowners' Warranties
405(1)
What About Renters' Insurance?
405(1)
Automobile Insurance
406(1)
Liability Insurance
406(1)
Medical Payment Insurance
407(1)
The Cyber Consumer---Searching for Home Protection Online
407(4)
Collision Insurance
408(1)
Comprehensive Insurance
408(1)
Uninsured Motorist Insurance
408(1)
Accidental Death Benefits
408(1)
What Determines the Price of Auto Insurance?
408(2)
No-Fault Insurance, Pros and Cons
410(1)
What is No-Fault?
410(1)
No-Fault versus Liability---Which Is Better?
410(1)
Consumer Closeup---Protecting Your Insurance Rights
411(2)
How to Shop for Insurance
411(1)
How to Lower Your Insurance Rates
The Special Problem of Insurance for Rental Cars
412(1)
The Rational Consumer---Are Air Bags Really Safe?
413(1)
When You Are Refused Insurance
413(1)
Consumer Issue 18: Choosing a Lawyer
414(5)
Life Insurance and Social Security
419(26)
Life Insurance and Our Need for Security
420(1)
Premature Deaths
420(1)
History of Life Insurance
420(1)
The Basic Types of Life Insurance
421(1)
The Cyber Consumer---Searching for Life-Insurance Protection Online
422(7)
Term Insurance
422(1)
Renewability
423(1)
Convertability
423(1)
Whole Life Insurance
424(1)
Premiums
424(2)
Borrowing on Your Cash Value
426(1)
When You Reach Retirement Age
426(1)
Death Benefits
426(2)
Universal Life Insurance
428(1)
Some Specialized Insurance Policies
429(1)
Combination Plans
429(1)
Family Plan
429(1)
Family Income Plan
429(1)
Extra Protection Policy
429(1)
Modified Life Policies
430(1)
Adjustable Life Insurance
430(1)
Other Types of Life-Insurance Policies
430(1)
Group Insurance
430(1)
Credit Life Insurance
430(1)
Reading a Life-Insurance Contract
431(1)
Consumer Closeup---Honesty Is the Best Policy
431(1)
Choosing a Sound Life-Insurance Company
432(1)
Involuntary Benefit Programs---The Case of Social Security
433(5)
Basic Benefits of Social Security
435(1)
How Social Security Is Paid
435(1)
Working While Receiving Social Security Benefits
436(1)
Problems with Social Security
436(1)
There Will Always Be a Problem with Social Security
436(2)
Consumer Issue 19: How to Meet Your Insurance Needs
438(7)
Unit 6 Looking to the Future 445(56)
Your Retirement Years
446(21)
Planning for Your Retirement Years
447(2)
The Importance of Financial Planning
447(1)
Developing Other Interests
448(1)
Staying Active
448(1)
The Disposition of Your Property
449(5)
What Is a Will and Why Should You Have One?
449(1)
Limitations on Disposition of Property by Will
450(1)
A Will Disposes of Only Certain Property
450(1)
What Is Probate?
450(1)
The Cost of Probate
451(1)
Simplified Settlement Procedures
451(1)
Joint Ownership
451(1)
Joint Tenancy versus Tenancy in Common
452(1)
Tenancy by the Entirety
452(1)
Trusts
452(1)
Life-Insurance Trust
453(1)
Funded Trust
453(1)
Testamentary Trust
453(1)
Living Trust
453(1)
Informal Bank Trust
453(1)
Children's Trust
453(1)
The Cyber Consumer---Searching for Will Preparation Advice Online
454(1)
The Taxation of Wealth
454(2)
Estate-and Gift-Tax Provisions
455(1)
Marital Deduction
455(1)
Annual Gift-Tax Exclusion
455(1)
State Inheritance and Estate Taxes
455(1)
The Pick-up Tax
456(1)
What if You Become Incapacitated?
456(1)
Durable Power of Attorney
456(1)
Health-Care Power of Attorney
456(1)
Living Wills
457(1)
A Work about Organ Donation
457(2)
Consumer Issue 20: How to Make Out Your Will and Plan for Your Funeral
459(8)
Environmentally Responsible Consumer Behavior
467(18)
Scope of the Problem
468(1)
Dangers at Home
468(1)
Dangers at School and in the Workplace
469(1)
Consumer-Created Pollution
469(2)
Diaper Debate
470(1)
Tradeoffs between Vehicle Size and Safety
470
Problems with Packaging
70(401)
Economic Causes of Pollution
471(1)
Environmental Legislation
471(3)
Environmental Protection Agency
471(1)
Clean Air Act of 1990
472(1)
State and Local Government Efforts
473(1)
California's Car Emission Standards
473(1)
New York's Solid Waste Disposal and Recycling Regulations
474(1)
Who Pays the Cost of Environmental Protection?
474(2)
Environmental Cleanups
475(1)
``Not in My Backyard''
475(1)
Environment as a Global Concern
476(2)
Damage to the Ozone Layer
476(1)
Greenhouse Effect
477(1)
Consumer Closeup---Teaching Environmental Responsibility
478(1)
The Cyber Consumer---Global Warming Information Online
479(1)
Consumer Issue 21: Costs and Benefits of Living a ``Green'' Life
480(5)
Consumers in a Changing World
485(16)
What the Future May Hold
487(1)
Globalization of the World's Economy
487(3)
Benefits of Trade
488(1)
Costs of Trade
489(1)
Being a Responsible Consumer in the Global Economy
489(1)
The Cyber Consumer---Buying Imported Goods Online
490(1)
Who's Watching You?
491(2)
Privacy in the Workplace
492(1)
Privacy and Your Health
492(1)
Consumer Closeup---When Your Boss Reads Your E-Mail
493(2)
Privacy and the Government
493(2)
Ethical Choices and Medical Technology
495(2)
A Closing Thought
497(4)
Index 501

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