Goals for this unit:
- Students will become equipped with knowledge and skills that are necessary in a consumer
society.
- Students will be informed about consumer rights and responsibilities, advertising,
coupons, and purchasing decisions.
- Students will analyze and discuss the influence of advertising.
- Students will learn how to get the most for their dollar analyzing refund and rebate offers,
coupons, brand comparisons, and merchandising gimmicks.
- Students will obtain information about sales tax in their city, compare it to percentages in
neighboring towns, and calculate total purchase prices on products, foods, and services.
- Students will learn how to shop on-line and protect their consumer rights.
- Students will identify different methods of payment used to purchase goods and services.
- Students will learn about the services a bank offers, including the functions of checking
and saving accounts.
- Students will learn how to perform banking activities, such as writing a check, using an
ATM card, balancing an account, and opening a bank account.
Suggested Activities:
Activity 1—Pre-test
Teacher-led discussion follows the completion of the test.
Materials needed:
◆ Pre-test “Consumer Education: ‘The Best Buy’”
◆ Store receipts (students and teacher provide)
Activity 2—Go around the room and ask students, “What was the last thing you purchased?”
Inquire about both goods and services - (A good is something people want that can be touched
or held. A service is something that someone does for someone else.)
Discuss the following exploration questions:
- where they went to buy it
- how they found the store
- whether they bought the first one they saw or shopped around for a sale
- whether they saved money to buy it or purchased it on a whim
- how they paid for it
Compile a list of vocabulary words as the students discuss their purchases (sale,
clearance rack, store-wide, credit/debit card, cash, ads, advertising, shopper, sales clerk,
receipt, cheap, expensive, guarantee, etc.).
Ask students to bring in receipts from their latest purchases. Look for the sales tax
amount; discuss how much they paid in their local stores compared to the different
percentages from stores in other towns. Discuss: Why is the sales tax different in other
towns? Where does that money go? How much is the tax on food products?
Materials needed:
◆ Vocabulary List (class generates)
◆ Store receipts (students and teacher provide)
Activity 3—Ask students to make a list of all of the goods and services they used and/or
purchased from the time they woke up yesterday until the time they went to sleep last
night. Tell them that spending by households is called consumption or consumer spending
because the products provide direct satisfaction to consumers. (Note: Spending for
consumer goods and services makes up more than two-thirds of all spending.)
Materials needed:
◆ Worksheet “Consumer Spending & Consumption”
Activity 4—Go over consumer vocabulary with the students. Discuss the consumer-related
terms, definitions, rights, and agency acronyms together as a class. Ask the students to take
notes and share experiences related to specific instances where they think their rights were
upheld or denied.
Materials needed:
◆ Worksheet “Consumer Vocabulary”
Activity 5—Play Consumer BINGO. Have students randomly write the consumer terms from
the Worksheet “Consumer Vocabulary” in the squares on their Bingo card. Students cover
the term as they match it with the definitions or examples of scenarios the teacher calls out
(e.g., You can call on this agency when you want to report the defective infant car seat you
purchased.). The first student to cover five terms in a row wins. Discuss the answers as you
check them.
Materials needed:
◆ Worksheet “Consumer Bingo”
Activity 6—Distribute newspapers and magazines to the students. Ask each student to find
and cut out three to five different product or service advertisements. Ask students to
identify and circle the words, phrases, or pictures that convince them to buy the product.
In small groups have students choose one ad, answer the questions on the worksheet, and
create an original ad using what they know about advertising. Remind students to use
some of the key words, phrases, and pictures (known as “gimmicks”) in their ads and
continue to be aware of them in their daily surroundings. Students present ads in class.
Materials needed:
◆ Newspapers and magazines (teacher provides)
◆ Worksheet “Ads Sell Products”
◆ Classroom art supplies (teacher provides)
Activity 7—Go on a shopping spree. Provide each student with the list of items from five
different sections of a store (i.e., sporting goods, clothing, shoe, electronic, home, auto,
etc.). Using store circulars, newspaper coupons, and advertised specials, ask students to
find the best buy on these items. Students add up the purchases and buy products with
imaginary money ($100). For each item, students write down a brief description of the
item, including the name brand, color, size, and price. Discuss payment options (checks,
debit card, credit card, cash, traveler’s checks) they have at the check out. Then, come
together to debrief and discuss the experience: (1) Why did they buy the specific item they
bought? (2) Did they get what they wanted or what they could afford? (3) Was the item
they could afford of a similar quality when compared to a more expensive item? (4) Were
they satisfied with their purchases? (5) Did they budget enough money for sales tax?
(6) What did they learn from the experience?
Materials needed:
◆ Store circulars (teacher provides)
◆ Worksheet “Shopping Spree”
◆ Debriefing questions (included above)
Activity 8—Go Internet shopping. Ask if anyone has ever ordered anything “on-line.”
1) Talk about the experience or their knowledge about the shopping through Internet
sites.
2) Students conduct a “search” for products they would like to buy and investigate
procedures and policies for purchasing the product on that site. Students can comparison
shop on-line at a number of different Web sites such as http://www.googleguide.com/froogle.html or
shopping.yahoo.com.
3) In pairs, students log on to the BBB Web site to find answers to the worksheet
questions.
Materials needed:
◆ Computers with Internet access
◆ Better Business Bureau Web site: www.bbbonline.org/OnlineShopTips/
◆ Worksheet “Buying Online”
Activity 9—Present banking vocabulary by discussing the meaning and significance of
banking services. Students can discuss their experiences with and knowledge of banks or
other financial institutions (i.e., co-ops, car loan companies, etc.) in the context of
defining the terms.
Materials needed:
◆ Worksheet “Banking Vocabulary”
Activity 10—Introduce copies of banking documents, such as checks and checking account
register, savings account books, account deposit and withdrawal slips, ATM card, etc.
Discuss their functions, and practice various transactions at the bank by role-playing
(opening an account, obtaining a credit card, obtaining a safe deposit box, buying a CD,
withdrawing money from the ATM machine, etc.) Any questions generated in this activity
should be written down and brought along for Activity 11.
Materials needed:
◆ Banking documents (teacher/bank provide)
Activity 11—Take a tour of a bank with a banker who will discuss the functions and
opportunities available to students at a bank, including checking and saving methods and
basic investment options. Students should be prepared to engage in some activity like
opening an account or simply meeting with an associate to gain information about a
particular banking service. Students should ask for brochures describing bank services to
bring back to class. To review banking services, after returning to class students complete “Banking Services Quiz” and discuss the answers in groups.
Materials needed:
◆ Information questions (students generate from Activity 10)
◆ Worksheet “Banking Services Quiz”
Activity 12—Post-test
Materials needed:
◆ Post-test “Share What You’ve Learned”
Connected Activities:
GUEST SPEAKER
Bank associate
BBB representative
FIELD TRIP
Go shopping
Visit a bank
Supplemental Resources:
English, No Problem 4, Unit 5, pp. 66-78
Stand Out 4, Unit 2, pp. 21-36
Summary:
CASAS COMPETENCIES
1. Consumer Education
1.2 Apply principles of comparison shopping in the selection of goods and services
1.3 Understand methods and procedures to purchase goods and services
6. Computation
6.1-6.5 Compute numbers, fractions, percents, rate, ratio, and proportion
VOCABULARY
Consumer Terms Common words and phrases used for methods and procedures related to
advertising and shopping
Federal Agencies Consumer agencies and institutions
Numbers Whole numbers and fractions, including percents, currency, and symbols
( $, %, [.], #, etc.)
Banking Terms Related to services and concepts of financial institutions
SKILLS
Listening Discussions with classmates; guest speaker; answers to questions
Speaking Class discussions; collaborative group work; asking questions; conversing on
real-life topics in public places
Reading Consumer vocabulary handout; Internet sites; banking info on rates and services
Writing Answers to questions; questions
Life Skills Analyzing newspaper and magazine advertising influences; shopping within a
budget; consumer awareness; navigating Web sites
GRAMMAR
Punctuation Commas, semicolons, and colons as used in lists and sentences
Acronyms Abbreviations for proper names and titles
Quantifiers Words modifying count and non-count nouns (many, much, few)
Paraphrase Restating key words and concepts
ENTERTAINMENT
Using local resources and information, students develop an awareness of social and cultural
activities. Teacher and students work together to incorporate this in the course of study.
ASSESSMENT ACTIVITIES
- Pre-test (needs assessment)
- Consumer assessment and spending
- Bingo game
- Student-designed advertisement
- Shopping spree
- Obtaining information at the bank
- Transaction at the bank
- Banking Services Quiz
- Post-test
Activity Sheets:
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