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Economic Issues for Consumers With Infotrac

by: Miller, Roger LeRoy

Economic Issues for Consumers With Infotrac

by: Miller, Roger LeRoy

ISBN 13:
9780534628529
ISBN 10:
0534628524
Edition: 10th
Format: Hardcover
Copyright: 10/22/2003
Publisher: 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.

Preface

Unit One: THE CONSUMER IN TODAY'S WORLD

An Economic Foundation for Consumer Decisions

(24)

Scarcity

(2)

Why Scarcity Exists

(1)

How We Experience Scarcity

(1)

Universal Scarcity

(1)

Scarcity and the Government

(1)

Scarcity in Foreign Lands

(1)

The Necessity of Choice

(2)

Choice and Opportunity Cost

(1)

The Trade-Offs Facing You

(1)

An Implicit Assumption

(1)

Markets

(1)

Voluntary Exchange in the U.S. Economy

(1)

Demand and Supply Analysis---A Brief Introduction

(4)

Law of Demand

(1)

Law of Supply

(1)

Equilibrium Price

(1)

The Diverse Consumer: New Demographics Equal New Demand and New Supply

(1)

Relative Price

(1)

An Important Distinction

(1)

The Law of Demand Holds True

(2)

Consumer Sovereignty in a Market Economy

(1)

The Real World of Imperfect Competition

(2)

Examples of Monopoly Power

(1)

A Range of Monopoly Power

(1)

Role of Government

(1)

Americans in an Electronic Market

(2)

Growth of the Internet

(1)

Consumer Use of the Internet

(1)

The Cyber Economy

(1)

New Technology---New Responsibilities

(1)

Consumer Economics in an Electronic Economy

(1)

Confronting Consumer Issues: Being an Ethical Consumer

(9)

Cyber Consumer: The Open Directory Project

(2)

Chapter Summary

(1)

Key Terms

(1)

Questions for Thought & Discussion

(1)

Things to Do

(1)

Internet Resources

(1)

Selected Readings

(1)

Making Rational Consumer Choices

(23)

Decisions, Decisions

(1)

Rational Consumer Decision Making

(1)

Consider Transaction Costs

(1)

Do You Really Need It?

(1)

Cost-Benefit Analyses

(1)

Values and Rational Decision Making

(3)

What Are Values?

(1)

Values Clarification

(1)

Goals and Values

(1)

The Decision-Making Process

(3)

Deciding to Act

(1)

Identifying Alternatives

(1)

Evaluating Alternatives

(2)

Committing to a Decision

(1)

Evaluating the Results

(1)

Pitfalls in Rational Consumer Decision Making

(3)

Impulse Buying

(1)

Habit Buying

(1)

The Fine Print

(1)

The Seductiveness of Credit

(1)

Conspicuous Consumption

(1)

Consumer Close-Up: Making Impulse Purchases on Purpose

(1)

Time Management and Rational Decision Making

(3)

Different Values, Different Opportunity Costs

(1)

Time and Family Values

(1)

Breaking Parkinson's Law

(1)

Buying and Searching

(1)

Confronting Consumer Issues: How to Buy Technology-Based Products

(8)

Cyber Consumer: Safe Shopping Online

(3)

Chapter Summary

(1)

Key Terms

(1)

Questions for Thought & Discussion

(1)

Things to Do

(1)

Internet Resources

(1)

Selected Readings

(1)

A Flood of Advertising

(22)

Costs and Benefits of Advertising

(1)

Who Pays?

(1)

Brand-Name Advertising

(2)

Promoting Brand-Name Loyalty

(1)

The Value of Brand Names

(1)

The Diverse Consumer: McDonald's Segments Its Message

(1)

Benefits of Brand Names to Producers

(1)

Other Types of Advertising

(2)

Informative Advertising

(1)

Comparative and Defensive Advertising

(1)

The Ugly Side of Advertising

(3)

Deceptive Advertising

(1)

What Kinds of Ads Are Deceptive?

(1)

Cyber Consumer: Online Advice about Deceptive Advertising

(1)

Bait and Switch: The Case of the Obsolete Digital Camera

(1)

Other Deceptions

(1)

What the FTC Can Do

(1)

The Ethical Consumer: Protecting Children (and Their Parents) from Online Abuse

(1)

What You Can Do

(1)

Advertising and Your Privacy

(1)

Your Telemarketing Rights

(1)

Privately Prepared Information

(4)

Information Online

(1)

Consumer Reports and Consumers' Research Magazine

(1)

Other Printed Sources of Information

(1)

How Much Information Should We Acquire?

(2)

Confronting Consumer Issues: Rational Internet Shopping

(7)

Chapter Summary

(1)

Key Terms

(1)

Questions for Thought & Discussion

(1)

Things to Do

(1)

Internet Resources

(1)

Selected Readings

(1)

The Many Faces of Fraud

(24)

Consumer Products Fraud

(8)

Personal and Health-Care Frauds

(2)

Cyber Consumer: Online Advice about Health-Care Fraud

(1)

Health-Insurance Fraud

(1)

The Diverse Consumer: Peddling Weight Loss In Multiple Languages

(1)

Fraudulent Repair Services

(2)

Land Sales Scams

(1)

Pyramid Schemes

(1)

Tax Service Frauds

(1)

Steps to Take to Protect Yourself

(3)

Be an Assertive Consumer

(1)

Cooling-Off Periods

(1)

Know the Federal Trade Commission's Mail-Order Rules

(1)

Hints for Mail-Order and Online Shoppers

(1)

Internet Fraud

(5)

Advantages of Internet Fraud (from the Scammer's Point of View)

(1)

Common Examples of Internet Fraud

(2)

Protect Yourself

(2)

Confronting Consumer Issues: The Dangers of Identity Theft

(7)

Chapter Summary

(1)

Key Terms

(1)

Questions for Thought & Discussion

(1)

Things to Do

(1)

Internet Resources

(1)

Selected Readings

(1)

Protection for the Consumer

(31)

Sources of Consumer Protection

(5)

Antitrust Laws

(3)

Food and Drug Act

(1)

A Renewed Interest in the Consumer

(1)

The Presidents Speak Up

(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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Economic Issues for Consumers With Infotrac

Economic Issues for Consumers With Infotrac

9780534628529

0534628524

Summary

Table of Contents

Supplemental Materials

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Amazon no longer offers textbook rentals. We do!

Economic Issues for Consumers With Infotrac

Economic Issues for Consumers With Infotrac

9780534628529

0534628524

Summary

Table of Contents

Supplemental Materials

Write a Review

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