Copyright Goodheart-Willcox Co., Inc. viii Review and Assessment. . . . . . . . . . . . . 234 Portfolio Development: Diversity Skills. . . . . . . . . . . . . . . . . . . 237 Event Prep: Extemporaneous Speaking. . . . . . . . . 237 CHAPTER 9 Credit Management. . . . . . . . . . . . . . 238 Section 9.1 Wise Credit Use . . . . . . . . . 240 Section 9.2 Consumer Protection . . . . . 249 Review and Assessment. . . . . . . . . . . . . 256 Portfolio Development: Certificates. . . . . 259 Event Prep: Written Events. . . . . . . . . . . 259 CHAPTER 10 Consumer Purchasing. . . . . . . . . . . . 260 Section 10.1 The Marketplace. . . . . . . . 262 Section 10.2 Consumer Purchasing Strategies. . . . . 271 Review and Assessment. . . . . . . . . . . . . 282 Portfolio Development: Community Service . . . . . . . . . . . . . . 285 Event Prep: Public Speaking. . . . . . . . . . 285 CHAPTER 11 Consumer Power. . . . 286 Section 11.1 Consumer Rights. . . . . . . . 288 Section 11.2 Consumer Deception and Defense. . . 295 Review and Assessment. . . . . . . . . . . . . 304 Portfolio Development: Schoolwork. . . . . . . . . . . . . . . . . . . . . 306 Event Prep: Case Study. . . . . . . . . . . . . 307 Unit 4 Purchasing and Protecting Your Assets. . . . . . . . . . 308 CHAPTER 12 Housing Decisions. . . 310 Section 12.1 Renting a Residence . . . . . . . . . . . . . 312 Section 12.2 Purchasing a Home. . . . . . 322 Review and Assessment. . . . . . . . . . . . . 338 Portfolio Development: Skills and Talents . . . . . . . . . . . . . . . . 341 Event Prep: Communication Skills . . . . . 341 CHAPTER 13 Purchasing a Car . . . 342 Section 13.1 Shopping for a Car. . . . . . 344 Section 13.2 Car-Buying Decisions. . . . . 350 Review and Assessment. . . . . . . . . . . . . 362 Portfolio Development: Talents. . . . . . . . 364 Event Prep: Business Law . . . . . . . . . . . 365 CHAPTER 14 Risk Management and Insurance for Homes and Autos. . . 366 Section 14.1 Risk Management. . . . . . . 368 Section 14.2 Home and Auto Insurance . . . . . . . . . 375 Review and Assessment. . . . . . . . . . . . . 386 Portfolio Development: Technical Skills. . . . . . . . . . . . . . . . . . 389 Event Prep: Community Service Project . . . . . . . . 389 CHAPTER 15 Health, Disability, and Life Insurance . . . . . . . . . . . . . . . . . . . 390 Section 15.1 Health Insurance. . . . . . . . 392 Section 15.2 Disability and Life Insurance. . . . . . . . 403 Review and Assessment. . . . . . . . . . . . . 410 Portfolio Development: Clubs and Organizations . . . . . . . . . . 413 Event Prep: Event Preparation. . . . . . . . 413 Unit 5 Exploring Economics. . . . . 414 CHAPTER 16 Economic Principles. . . . . . . . . . . . . 416 Section 16.1 What Is Economics?. . . . . 418 Section 16.2 How the US Economy Works. . . . . . . 426 Review and Assessment. . . . . . . . . . . . . 432 Portfolio Development: Networking. . . . . . . . . . . . . . . . . . . . . 435 Event Prep: Business Calculations. . . . . . . . . . . . . 435