Economic Issues for Consumers With Infotrac,9780534628529

Economic Issues for Consumers With Infotrac

by
Edition: 10th
ISBN13: 9780534628529
ISBN10: 0534628524
Format: Hardcover
Pub. Date: 2003-10-22
Publisher(s): Cengage Learning
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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
Unit One: THE CONSUMER IN TODAY'S WORLD
An Economic Foundation for Consumer Decisions
1(24)
Scarcity
2(2)
Why Scarcity Exists
2(1)
How We Experience Scarcity
2(1)
Universal Scarcity
3(1)
Scarcity and the Government
3(1)
Scarcity in Foreign Lands
3(1)
The Necessity of Choice
4(2)
Choice and Opportunity Cost
4(1)
The Trade-Offs Facing You
4(1)
An Implicit Assumption
5(1)
Markets
5(1)
Voluntary Exchange in the U.S. Economy
5(1)
Demand and Supply Analysis---A Brief Introduction
6(4)
Law of Demand
6(1)
Law of Supply
6(1)
Equilibrium Price
7(1)
The Diverse Consumer: New Demographics Equal New Demand and New Supply
7(1)
Relative Price
8(1)
An Important Distinction
8(1)
The Law of Demand Holds True
8(2)
Consumer Sovereignty in a Market Economy
10(1)
The Real World of Imperfect Competition
10(2)
Examples of Monopoly Power
10(1)
A Range of Monopoly Power
11(1)
Role of Government
11(1)
Americans in an Electronic Market
12(2)
Growth of the Internet
13(1)
Consumer Use of the Internet
13(1)
The Cyber Economy
14(1)
New Technology---New Responsibilities
14(1)
Consumer Economics in an Electronic Economy
15(1)
Confronting Consumer Issues: Being an Ethical Consumer
16(9)
Cyber Consumer: The Open Directory Project
19(2)
Chapter Summary
21(1)
Key Terms
22(1)
Questions for Thought & Discussion
22(1)
Things to Do
22(1)
Internet Resources
23(1)
Selected Readings
24(1)
Making Rational Consumer Choices
25(23)
Decisions, Decisions
26(1)
Rational Consumer Decision Making
27(1)
Consider Transaction Costs
27(1)
Do You Really Need It?
27(1)
Cost-Benefit Analyses
28(1)
Values and Rational Decision Making
28(3)
What Are Values?
29(1)
Values Clarification
29(1)
Goals and Values
30(1)
The Decision-Making Process
31(3)
Deciding to Act
31(1)
Identifying Alternatives
31(1)
Evaluating Alternatives
32(2)
Committing to a Decision
34(1)
Evaluating the Results
34(1)
Pitfalls in Rational Consumer Decision Making
34(3)
Impulse Buying
34(1)
Habit Buying
35(1)
The Fine Print
35(1)
The Seductiveness of Credit
36(1)
Conspicuous Consumption
36(1)
Consumer Close-Up: Making Impulse Purchases on Purpose
36(1)
Time Management and Rational Decision Making
37(3)
Different Values, Different Opportunity Costs
37(1)
Time and Family Values
38(1)
Breaking Parkinson's Law
38(1)
Buying and Searching
39(1)
Confronting Consumer Issues: How to Buy Technology-Based Products
40(8)
Cyber Consumer: Safe Shopping Online
42(3)
Chapter Summary
45(1)
Key Terms
45(1)
Questions for Thought & Discussion
45(1)
Things to Do
46(1)
Internet Resources
46(1)
Selected Readings
47(1)
A Flood of Advertising
48(22)
Costs and Benefits of Advertising
49(1)
Who Pays?
50(1)
Brand-Name Advertising
50(2)
Promoting Brand-Name Loyalty
50(1)
The Value of Brand Names
51(1)
The Diverse Consumer: McDonald's Segments Its Message
51(1)
Benefits of Brand Names to Producers
52(1)
Other Types of Advertising
52(2)
Informative Advertising
52(1)
Comparative and Defensive Advertising
53(1)
The Ugly Side of Advertising
54(3)
Deceptive Advertising
54(1)
What Kinds of Ads Are Deceptive?
54(1)
Cyber Consumer: Online Advice about Deceptive Advertising
54(1)
Bait and Switch: The Case of the Obsolete Digital Camera
55(1)
Other Deceptions
55(1)
What the FTC Can Do
56(1)
The Ethical Consumer: Protecting Children (and Their Parents) from Online Abuse
56(1)
What You Can Do
57(1)
Advertising and Your Privacy
57(1)
Your Telemarketing Rights
58(1)
Privately Prepared Information
59(4)
Information Online
60(1)
Consumer Reports and Consumers' Research Magazine
60(1)
Other Printed Sources of Information
61(1)
How Much Information Should We Acquire?
61(2)
Confronting Consumer Issues: Rational Internet Shopping
63(7)
Chapter Summary
67(1)
Key Terms
67(1)
Questions for Thought & Discussion
68(1)
Things to Do
68(1)
Internet Resources
68(1)
Selected Readings
69(1)
The Many Faces of Fraud
70(24)
Consumer Products Fraud
71(8)
Personal and Health-Care Frauds
71(2)
Cyber Consumer: Online Advice about Health-Care Fraud
73(1)
Health-Insurance Fraud
74(1)
The Diverse Consumer: Peddling Weight Loss In Multiple Languages
74(1)
Fraudulent Repair Services
75(2)
Land Sales Scams
77(1)
Pyramid Schemes
78(1)
Tax Service Frauds
78(1)
Steps to Take to Protect Yourself
79(3)
Be an Assertive Consumer
79(1)
Cooling-Off Periods
80(1)
Know the Federal Trade Commission's Mail-Order Rules
80(1)
Hints for Mail-Order and Online Shoppers
81(1)
Internet Fraud
82(5)
Advantages of Internet Fraud (from the Scammer's Point of View)
82(1)
Common Examples of Internet Fraud
83(2)
Protect Yourself
85(2)
Confronting Consumer Issues: The Dangers of Identity Theft
87(7)
Chapter Summary
91(1)
Key Terms
91(1)
Questions for Thought & Discussion
91(1)
Things to Do
92(1)
Internet Resources
92(1)
Selected Readings
93(1)
Protection for the Consumer
94(31)
Sources of Consumer Protection
95(5)
Antitrust Laws
95(3)
Food and Drug Act
98(1)
A Renewed Interest in the Consumer
98(1)
The Presidents Speak Up
99(1)
Consumer Responsibilities
100(1)
Enforcement of Federal Consumer Protection Laws
101(3)
Coordination of Consumer Programs
101(1)
Federal Trade Commission
102(1)
The Ethical Consumer: How Far Should the Government Go to Protect Children?
102(1)
Consumer Product Safety Commission
103(1)
State and Local Governments and Consumer Protection
104(1)
Using Small Claims Courts
105(3)
What Are Your Rights and Responsibilities?
105(1)
Cyber Consumer: Online Advice about Recalled Products
105(1)
You Have to Watch Out
106(1)
Does Your Case Make Sense?
106(1)
How These Courts Work
107(1)
Preparing for Trial
107(1)
What Happens in Court
108(1)
Sources of Private-Sector Consumer Protection
108(2)
Organizations That Report on Consumer Products
108(1)
Consumers Union
108(1)
Consumers' Research, Inc.
109(1)
Other Product-Testing Groups
109(1)
Better Business Bureaus
110(1)
Role of the Media
110(1)
Private Industry's Self-Regulation
110(1)
Warranties and Consumer Protection
111(3)
Magnuson-Moss Warranty Act
111(1)
Full versus Limited Warranties
112(1)
Settling Disputes
112(1)
Implied Warranties
112(2)
Confronting Consumer Issues: Finding Help for Consumer Problems
114(11)
Chapter Summary
122(1)
Key Terms
122(1)
Questions For Thought & Discussion
123(1)
Things to Do
123(1)
Internet Resources
123(1)
Selected Readings
124(1)
Unit Two: BUDGETING
The Consumer as a Wage Earner
125(23)
Investment in Human Capital
126(3)
Rate of Return for Education
127(1)
The Changing Job Scene
127(2)
Occupational Wage Differentials
129(4)
Wages and Ages
129(1)
Occupational Choice and Income
130(1)
Nonmoney Income
131(1)
Gender and Jobs
131(1)
Cyber Consumer: Career Guidance Online
131(1)
Problems in the Workplace
132(1)
Jobs through the Year 2008
133(1)
The Problem of Inflation
133(7)
How Inflation Is Measured
133(3)
Consumer Close-Up: Equal Athletic Opportunities
136(1)
Problems with the CPI
137(1)
Varying Effects of Inflation
138(1)
Inflation and Consumer Decisions
138(1)
Real and Money Values
139(1)
Confronting Consumer Issues: Choosing the Right Career
140(8)
Chapter Summary
145(1)
Key Terms
145(1)
Questions for Thought & Discussion
146(1)
Things to Do
146(1)
Internet Resources
146(1)
Selected Readings
147(1)
Creating a Living Budget
148(19)
Consumers Need a Spending Plan
149(3)
Democratic Decision Making
150(1)
The Family Council
150(1)
College and Budgeting
151(1)
Budget Making, Goals, and Values Clarification
152(1)
Achieving Life-Span Goals
152(1)
What Makes You Happy
152(1)
How Does the Typical Household Allocate Its Income?
153(1)
Creating a Budget Plan
154(2)
The Importance of Keeping Records
154(1)
Constructing a One-Month Budget Worksheet
155(1)
Developing an Annual Budget Worksheet
155(1)
Reviewing Your Budget
156(1)
Fitting It All into a Life-Span Plan
156(1)
Life-Span Goals Are Not ``Carved in Stone''
156(1)
It's Better to Face Reality
157(1)
Budget-Assistance Programs
157(2)
The Limits of Budget Software
157(1)
Consumer Credit Counselors
157(1)
Cyber Consumer: Online Budgeting
157(2)
Confronting Consumer Issues: Budgeting for Recreation and Leisure
159(8)
The Diverse Consumer: Going Home
161(3)
Chapter Summary
164(1)
Key Terms
164(1)
Questions for Thought & Discussion
164(1)
Things to Do
165(1)
Internet Resources
166(1)
Selected Readings
166(1)
Paying for the Government
167(19)
The Whys and Hows of Taxation
168(4)
First, a Little Theory
168(1)
Cyber Consumer: A Tax Watchdog
168(3)
How Our Progressive Income Tax Evolved
171(1)
Personal Federal Income Tax
172(3)
A Complicated Tax System
172(1)
Taxpayers as Consumers of Government Services
173(2)
Confronting Consumer Issues: Preparing Your Income Tax Return
175(11)
Consumer Close-Up: Would You Give a Few Hours?
176(7)
Chapter Summary
183(1)
Key Terms
183(1)
Questions for Thought & Discussion
184(1)
Things to Do
184(1)
Internet Resources
184(1)
Selected Readings
185(1)
Unit Three: MAKING CONSUMPTION EXPENDITURES
Choosing a Healthful Diet
186(29)
Choosing the Food We Eat
187(1)
Government Labeling and Inspection Requirements
188(6)
Fair Packaging
188(1)
Food Labeling
189(2)
USDA Grades
191(2)
Irradiated Meats
193(1)
Antibiotics in Our Food
193(1)
Food Labels and the Consumer
194(2)
The Diverse Consumer: Genetically Engineered Bananas
194(2)
Nutrition
196(3)
Dietary Reference Intakes
196(1)
Basic Food Groups
197(2)
Food Additives
199(4)
Classification of Additives
199(1)
Direct Additives
200(1)
Indirect Additives
201(1)
Cyber Consumer: Online Dietary Guidelines
201(1)
How Safe Is ``Safe''?
201(1)
Consumer Confusion
201(1)
Dietary Supplements
202(1)
Trade-Offs We Make When We Buy Food
202(1)
Health, Natural, and Organic Foods
203(1)
The Growing Trend toward Convenience Food
204(1)
Why Convenience Foods?
204(1)
Fast Foods Aren't Necessarily Junk Foods
205(1)
Getting the Most for Your Food-Shopping Dollar
205(3)
Are Name-Brand Foods Better?
206(1)
The Psychology of Selling Food
206(1)
Unit Pricing
207(1)
Electronic Price Scanning and the Consumer
207(1)
Confronting Consumer Issues: Good Health and Weight Control
208(7)
Chapter Summary
212(1)
Key Terms
213(1)
Questions for Thought & Discussion
213(1)
Things to Do
213(1)
Internet Resources
214(1)
Selected Readings
214(1)
Purchasing Household Products
215(25)
Clothing, Happiness, and Budget Considerations
216(2)
Customs
217(1)
Aesthetic Considerations
217(1)
Values
217(1)
Durability versus Price
218(1)
Indications of Quality
218(2)
Fabric Content
219(1)
Tailoring
219(1)
The Powerful Fashion Industry
220(1)
What's in a Name?
220(1)
Government Regulation
221(1)
Choosing Durable Goods
221(1)
Cyber Consumer: Shopping for Fashion on the Internet
221(1)
Consumer Durables as an Investment
222(1)
Evaluating the Purchase of a Consumer Durable
223(3)
The Cost Side of the Picture
224(1)
Benefits
225(1)
Servicing Your Consumer Durables
226(2)
Pros and Cons of a Service Contract
226(1)
The ``Ninety'' Rule
227(1)
Before You Call a Service Person
227(1)
The Special Case of Buying Furniture
228(4)
Consumer Close-Up: Rent-to-Own Agreements
228(1)
Judging the Quality of Furniture
229(1)
Choosing Where to Purchase Furniture
230(1)
Purchasing Furniture over the Internet
230(1)
What to Do When You Have a Complaint
230(2)
Confronting Consumer Issues: Saving Money by Saving Energy
232(8)
Chapter Summary
237(1)
Key Terms
237(1)
Questions for Thought & Discussion
237(1)
Things to Do
238(1)
Internet Resources
238(1)
Selected Readings
239(1)
Satisfying Transportation Needs
240(28)
We Depend on Cars in Many Ways
241(2)
Do You Need to Own a Car?
241(1)
Transportation Alternatives
241(2)
The Trend toward Safer Automobiles
243(2)
Safety Requirements
244(1)
Costs and Benefits of Safety Devices
244(1)
Safety and Sobriety
244(1)
The Social Costs of Driving
245(1)
The Private Costs of Driving
245(2)
Cyber Consumer: Advocates for Highway and Auto Safety
245(1)
The Repair Dilemma
246(1)
The Cost of Depreciation
246(1)
Getting Good Repairs
247(1)
Deciding When to Buy
247(1)
Deciding What You Want
247(3)
Gathering Information
248(1)
What Type of Car to Buy?
248(2)
Getting the Best Deal on a New Car
250(4)
Buying through a Dealership
250(1)
The Diverse Consumer: Women Buy Cars, Too
251(1)
Sales Tactics
252(1)
Car Shopping on the Internet
253(1)
Leasing versus Buying
254(2)
How a Lease Works
254(1)
Steps to Leasing
255(1)
Should You Choose a Used Car?
256(1)
Have a Mechanic Check It Out
256(1)
Investigate Your Used-Car Alternatives
256(1)
Final Guidelines for Consumers
257(1)
Financing That Purchase
258(1)
Where to Borrow for a Car
258(1)
What Length of Loan to Take Out
259(1)
Know Your Lemon Laws
259(3)
Arbitration Programs
260(1)
Criticism of Industry Arbitration Panels
261(1)
Confronting Consumer Issues: Reputable Repairs for Your Car
262(6)
Chapter Summary
265(1)
Key Terms
266(1)
Questions for Thought & Discussion
266(1)
Things to Do
266(1)
Internet Resources
267(1)
Selected Readings
267(1)
Choosing a Place to Live
268(28)
Why Are We Willing to Pay So Much?
269(1)
Renting versus Buying
269(4)
Advantages of Renting
270(1)
Advantages of Buying
270(1)
Tax Benefits of Home Ownership
270(1)
How Much Can You Afford?
271(2)
If You Decide to Buy
273(5)
Looking on the Internet
273(1)
What Does a Real Estate Agent Do?
274(1)
For Whom Does a Real Estate Agent Work?
274(1)
How to Bargain
275(1)
Before You Sign Anything
276(2)
Making the Offer
278(1)
Title Examination and Insurance
278(1)
Different Types of Homes
279(1)
Condominiums
279(1)
Townhouses
279(1)
Cooperatives
280(1)
Paying for Your Home
280(3)
Sources of Mortgages
281(1)
Comparison Shopping
281(1)
The Diverse Consumer: Manufactured Housing
281(1)
Mortgage Talk
282(1)
Cyber Consumer: Mortgage Calculators on the Internet
282(1)
Different Kinds of Mortgages
283(2)
Conventional (Fixed-Rate) Mortgage
283(1)
Adjustable-Rate Mortgage
283(1)
Graduated-Payment Mortgage
284(1)
Rollover Mortgage
284(1)
VA Mortgages
284(1)
FHA Mortgages
285(1)
Creative Financing
285(1)
Mortgage Repayment Terms
286(1)
The Fifteen-Year Mortgage
286(1)
Extra Payments
287(1)
Biweekly Payments
287(1)
Closing Costs
287(2)
Confronting Consumer Issues: Renting a Home
289(7)
Chapter Summary
293(1)
Key Terms
294(1)
Questions for Thought & Discussion
294(1)
Things to Do
294(1)
Internet Resources
295(1)
Selected Readings
295(1)
Unit Four: FINANCIAL MANAGEMENT
Banks Help Consumers Save and Spend
296(32)
Why Save at All?
297(2)
Americans Save Very Little
297(1)
The First Step Is Often the Hardest One to Take
298(1)
Make a Saving Plan (and Follow It)
299(1)
Where Should You Stash Your Cash?
299(3)
What Are Depository Institutions?
300(1)
How Banks Work
300(1)
What Banks Offer Savers
301(1)
How Banks Help Consumers Save
302(3)
Day-In-Day-Out Accounts
302(1)
Money Market Accounts
303(1)
Sweep Accounts
303(1)
Time Deposits and Certificates of Deposit
303(1)
How to Evaluate Differences in Bank Accounts
304(1)
APYs Make It Easy
304(1)
Saving by Buying Government Securities
305(2)
U.S. Savings Bonds
305(2)
Treasury Securities
307(1)
How Banks Help Consumers Spend
307(5)
Demand Deposits
308(1)
Different Types of Checking Accounts
308(2)
Selecting the Right Checking Account
310(1)
Cyber Consumer: Learning about CMAs
310(1)
Other Types of Checks You May Use
311(1)
How to Avoid Checking Problems
312(5)
Writing Checks
312(1)
Endorsing a Check
313(1)
Stale Checks
313(1)
Stop-Payment Orders
313(1)
Deposit Holds
314(1)
Avoiding Bounced Checks
315(1)
Reconciling Your Bank Balance
315(2)
How to Settle a Complaint with a Bank
317(1)
Confronting Consumer Issues: How to Use Electronic Banking
318(10)
Consumer Close-Up: How Much Is Convenience Worth?
320(2)
The Ethical Consumer: Financial Privacy in Cyberspace
322(2)
Chapter Summary
324(1)
Key Terms
325(1)
Questions for Thought & Discussion
325(1)
Things to Do
326(1)
Internet Resources
326(1)
Selected Readings
327(1)
Using Credit Responsibly
328(31)
Sources of Credit
329(2)
Sources of Consumer Loans
329(1)
Sources of Consumer Sales Credit
330(1)
Credit Online
331(1)
Why Borrow?
331(1)
Pay for Future Services with Future Earnings
331(1)
Other Reasons to Borrow
332(1)
Saving versus Credit Buying
332(2)
Costs and Benefits of Borrowing to Consume Now
333(1)
Inflationary Premiums
333(1)
Inflation May Make It Easier to Repay Loans
333(1)
What It Costs to Borrow
334(1)
Interest Rate Determination
334(1)
Finance Charges
334(1)
Consumer Credit Legislation
335(4)
Truth in Lending
335(2)
Regulation of Revolving Credit
337(1)
The Ethical Consumer: Getting in over Your Head on Purpose?
337(1)
Two-Cycle Method
338(1)
Know Which Method Will Be Used
338(1)
Equal Credit Opportunity
339(1)
Fair Credit Billing Act
340(1)
Fair Credit Reporting Act
340(2)
Gaining Access to Your Credit File
341(1)
Credit Scoring
341(1)
Fair Debt Collection Practices Act
342(1)
Subprime Lending
343(1)
The Home Ownership and Equity Protection Act
343(1)
The Real Estate Settlement Procedures Act
343(1)
Predatory Lending
344(1)
Flipping
344(1)
Packing
344(1)
Stripping
344(1)
Federal Actions to Stop Predatory Lending
344(1)
Going into Personal Bankruptcy
345(3)
Why So Many Bankruptcies?
345(1)
Filing for Chapter 7 Bankruptcy
345(1)
Chapter 13 Plans
346(1)
Cyber Consumer: Bankruptcy Information Online
346(2)
Confronting Consumer Issues: Making Credit Decisions
348(11)
Chapter Summary
356(1)
Key Terms
357(1)
Questions for Thought & Discussion
357(1)
Things to Do
357(1)
Internet Resources
358(1)
Selected Readings
358(1)
Investing for Your Future
359(26)
Some Facts about the Stock Market
360(3)
Common Stock
361(1)
Preferred Stock
361(1)
Corporate Bonds
361(1)
Capital Gains and Losses
362(1)
What Affects the Price of a Stock?
362(1)
Making Money in the Stock Market
363(3)
Should You Employ a Full-Service Broker?
363(2)
Investing Online
365(1)
What about Investment Advisers?
366(1)
Mutual Funds
366(3)
The Two Types of Mutual Funds
366(1)
Money Market Mutual Funds
367(1)
Cyber Consumer: Checking Out Mutual Funds Online
368(1)
Is There No Way to Get Rich Quick?
369(1)
Watch for Those Sure-Fire Schemes
370(1)
Pensions and Retirement Funds
370(5)
Individual Retirement Accounts
370(1)
The Ethical Consumer: Business Leaders Should Be Ethical, Too
371(1)
Roth IRAs
372(1)
Investing through 401(k)s
372(1)
Keogh Plans
373(2)
Confronting Consumer Issues: Making Personal Investment Plans
375(10)
Chapter Summary
382(1)
Key Terms
382(1)
Questions for Thought & Discussion
382(1)
Things to Do
383(1)
Internet Resources
383(1)
Selected Readings
384(1)
Unit Five: RISK MANAGEMENT
The Health-Care Dilemma
385(31)
The Foundation of Insurance---Risk Pooling
386(1)
Our Need for Medical Insurance
386(1)
The Government Steps In
387(1)
The Insurance Framework
387(2)
The Supply of Medical Care
389(2)
Restricted Entry
389(1)
A Surplus of Physicians?
390(1)
Drug Regulation and Its Costs
391(1)
High-Tech Medicine
391(1)
The Malpractice System
392(1)
Related Costs of Malpractice Claims
392(1)
A Possible Solution
393(1)
Who Can Afford the Medical Bill?
393(1)
Health-Care Dilemma---or Crisis?
394(1)
Consumer Close-Up: Should You Have a Right to Know?
394(1)
Tackling Waste and Inefficiency
395(5)
Health Maintenance Organizations
395(1)
Preferred Provider Organizations
396(1)
Cost-Management Systems
397(2)
Controlling Medicare Costs
399(1)
Universal Health-Insurance Coverage
400(6)
Potential Benefits of Universal Health-Insurance Coverage
400(1)
The Costs of Universal Medical Coverage
401(1)
Proposed Systems
402(1)
Health Care as a Consumer Product
403(1)
Health Care as a Constitutional Right
404(1)
The Ethical Consumer: What Do You Do When Your Insurer Says No?
404(1)
Cyber Consumer: Finding Medical Insurance Online
405(1)
Confronting Consumer Issues: Purchasing Medical Care
406(10)
Chapter Summary
413(1)
Key Terms
414(1)
Questions for Thought & Discussion
414(1)
Things to Do
414(1)
Internet Resources
415(1)
Selected Readings
415(1)
Insuring Your Home and Your Automobile
416(21)
Insuring Your Home
417(5)
Types of Homeowners' Coverage
417(3)
How Much Insurance Should You Have?
420(1)
Homeowners' Warranties
421(1)
Cyber Consumer: Searching for Home Protection Online
421(1)
What about Renters' Insurance?
422(1)
Automobile Insurance
422(8)
Liability Insurance
422(1)
Medical Payment Insurance
423(1)
Collision Insurance
424(1)
Comprehensive Insurance
424(1)
Uninsured Motorist Insurance
424(1)
Accidental Death Benefits
424(1)
What Determines the Price of Auto Insurance?
424(2)
No-Fault Insurance, Pros and Cons
426(1)
How to Shop for Automobile Insurance
426(1)
How to Lower Your Insurance Rates
427(1)
Consumer Close-Up: Who Should Fix Your Car?
427(1)
The Special Problem of Insurance for Rental Cars
428(1)
When You Are Refused Insurance
429(1)
Confronting Consumer Issues: Choosing a Lawyer
430(7)
Chapter Summary
434(1)
Key Terms
434(1)
Questions for Thought & Discussion
434(1)
Things to Do
435(1)
Internet Resources
435(1)
Selected Readings
436(1)
Life Insurance and Social Security
437(25)
Life Insurance and Our Need for Security
438(1)
Premature Deaths
438(1)
History of Life Insurance
438(1)
The Basic Types of Life Insurance
439(6)
Term Insurance
440(1)
Cyber Consumer: Searching for Life-Insurance Protection Online
440(1)
Whole Life Insurance
441(4)
Universal Life Insurance
445(1)
Some Specialized Insurance Policies
445(2)
Combination Plans
446(1)
Modified Life Policies
446(1)
Adjustable Life Insurance
446(1)
Other Types of Life-Insurance Policies
447(1)
Reading a Life-Insurance Contract
447(2)
Consumer Close-Up: Honesty Is the Best Policy
448(1)
Choosing a Sound Life-Insurance Company
449(1)
Involuntary Benefit Programs---The Case of Social Security
449(5)
Basic Benefits of Social Security
451(1)
How Social Security Is Paid
451(1)
Working While Receiving Social Security Benefits
452(1)
Problems with Social Security
453(1)
There Will Always Be a Problem with Social Security
453(1)
Confronting Consumer Issues: How to Meet Your Insurance Needs
454(8)
Chapter Summary
459(1)
Key Terms
459(1)
Questions for Thought & Discussion
459(1)
Things to Do
460(1)
Internet Resources
460(1)
Selected Readings
461(1)
Unit Six: LESSONS YOU HAVE LEARNED
Looking to the Future
462(31)
What the Future Holds
463(1)
The Future of Technology
463(2)
New Technologies---New Products
463(1)
New Technologies---New Laws
464(1)
Globalization of the World Economy
465(5)
The Growth of U.S. Trade
465(1)
Benefits of Trade
466(1)
Costs of Trade
467(1)
Being a Responsible Consumer in the Global Economy
468(1)
The Diverse Consumer: Trade with Chile
469(1)
The Technological Assault on Privacy
470(5)
Privacy in the Workplace
470(1)
Privacy and Your Health
471(1)
Consumer Close-Up: When Your Boss Reads Your E-Mail
472(1)
Privacy and the Government
473(2)
Privacy in Your Home
475(1)
Ethical Choices and the Cost of Medical Technology
475(3)
The Growing List of Medical Procedures and Treatments
475(1)
The Costs of Medical Technology
476(1)
Who Should Receive Medical Care?
477(1)
New Technologies---New Ethical Dilemmas
478(1)
Protecting the Environment Is Everyone's Responsibility
478(7)
The Scope of the Problem
479(1)
The Economics of Pollution
479(1)
Who Pays the Costs of Pollution Control?
479(2)
Environmental Legislation
481(1)
State and Local Government Efforts
482(1)
Environmental Protection Is a Global Concern
483(2)
Confronting Consumer Issues: Living a Green Life
485(8)
Chapter Summary
489(1)
Key Terms
490(1)
Questions for Thought & Discussion
490(1)
Things to Do
490(1)
Internet Resources
491(1)
Selected Readings
491(2)
Glossary 493(6)
Index 499

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