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Human Services, Grade 9 - 12, Consumer Services I, 2009

1.) Describe education and training requirements for careers in the field of consumer services.

2.) Determine roles and functions of individuals engaged in consumer services careers.

3.) Communicate to clients the names of agencies that provide services and protection for consumers.

Examples: private, public, government, education agencies

•  Determining the role of media in consumer advocacy
4.) Assess ways technology impacts consumers and consumer services.

5.) Evaluate types of financial services and benefits that meet the consumer services client needs.

Examples: checking and savings accounts, loans, automated teller machines (ATMs), online banking, cash advances

6.) Analyze different types of savings accounts and investment programs offered by financial institutions to meet client needs.

•  Explaining benefits of compound and simple interest
•  Describing annual percentage rate (APR) and annual percentage yield (APY)
•  Comparing money markets and mutual funds
7.) Explain the cost of using credit.

Examples: interest, late fee, annual fee

8.) Describe factors of the economic system that impact consumers and business organizations.

Examples: scarcity, supply and demand, inflation, interest rates

9.) Determine life transitions that influence finances for individuals and families.

Examples: new job, relocation, loss of income, health problems, marriage, death, divorce, alimony, child support, birth, adoption

10.) Explain the importance of consumer budgeting, including creating, implementing, and revising the budget.

11.) Explain tax liability requirements on income for individuals and families.

Examples: property, inheritance, earned income

12.) Describe the financial planning process.

•  Comparing needs, wants, values, goals, and economic resources
•  Determining effects of risk-management strategies
•  Assessing the role of estate planning
13.) Analyze the process of product development.

•  Identifying the pricing of goods and services
•  Explaining the value of market research for product development
•  Interpreting the impact of consumer trends on product development
14.) Compare sales techniques used in selling goods and services.

15.) Describe the impact of making wise consumer decisions.

Examples: selective shopping, comparative shopping

16.) Evaluate market research to determine consumer trends and product development needs.

17.) Compare features, prices, product information, styles, and performance of consumer goods for product development and marketing.

18.) Determine housing options and factors influencing housing choices for individuals and families.

Examples: renting, purchasing, leasing-to-own

•  Assessing current trends in society that affect the housing industry
Examples: special needs, location, cost, dwelling options, refinancing

19.) Describe services provided by a real estate broker and agent.

20.) Determine factors that influence consumer choices for transportation in the marketplace.

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