199 Key Terms biodegradable budget comparison shopping direct deposit electronic banking electronic funds transfer (EFT) expenses finance charges income installment credit interest investing noninstallment credit principal revolving credit saving self-advocacy social sustainability sustainable sustainable purchasing warranty Academic Terms defaulted gouging intermediaries just penalize redress solvent Mapping Concepts In small groups, create a photo collage depicting careers in consumer services. Write a two- to three-sentence summary about each career. Share your collage with another group. Reading Strategies Before reading, use reliable online or print resources to research information about careers in consumer services. Record 10 facts you learn from conducting your research. As you are reading this chapter, look for any mention of the facts you identified. After reading, write an essay reflecting on your list in light of what you learned in this chapter. Learning Outcomes After studying this chapter, you will be able to • compare and contrast career opportunities for consumer services workers • list common aptitudes, attitudes, and skills of consumer services workers • give examples of postsecondary education, training, and experience required for several consumer services careers • identify consumer rights and responsibilities and consumer buying techniques • develop a personal budget and revise accordingly • describe various ways to save and invest money and use credit wisely and • summarize the rewards, demands, and future trends of careers in consumer services. bikeriderlondon/Shutterstock.com