The Federal Reserve (the Fed) is the central bank of the United States. It has a congressional mandate to promote maximum sustainable employment and price stability. In normal times, the Fed seeks to achieve this mandate by setting the position or "stance" of monetary policy, primarily by managing the level of short-term interest rates.…

One econometric rule of thumb is that greater dispersion in observations of the independent variable improves estimates of regression coefficients and therefore produces better results, i.e., lower standard errors of the estimates. Nevertheless, students often seem to mistrust precisely the observations that contribute the most to this greater…

Children's economic reasoning follows a developmental sequence in which their ideas about money and other basic economic concepts are forming. Even children in the early primary grades can learn some basic economics and retain understanding of economic concepts if they are taught in developmentally appropriate ways. Given how important economic…

For several years, advocacy groups have recognized the need to strengthen financial education in the K-12 schools. Current statistics support their concerns. Financial illiteracy in the United States is astoundingly high. From 1992 to 2000, disposable personal income for Americans rose by 47 percent, but personal spending rose by 61 percent. In…

This textbook aims to (1) train the pupil in that part of arithmetic used in everyday business which he can understand; (2) develop his skill in rapid calculation by short cuts and time tests; (3) show the necessity for checking, and develop the habit of checking; (4) develop the habit of thrift by planning budgets, keeping accounts, and becoming…

This two-volume set, consisting of an instructor's manual and a student learning activity guide, is designed for use in teaching vocational agriculture students basic agricultural production skills. Provided in the instructor's manual are guidelines concerning the duration of the activity; activity goals; a list of instructional objectives; a list…

This curriculum on money management skills for deaf adolescent and young adult students is presented on nine video CD-ROMs as well as in a print version. The curriculum was developed following a survey of the needs of school and rehabilitation programs. It was also piloted and subsequently revised. Each teaching segment is presented in sign…

This teacher's guide and student guide are designed to accompany a consumer mathematics textbook that contains supplemental readings, activities, and methods adapted for secondary students who have disabilities and other students with diverse learning needs. The materials are designed to help these students succeed in regular education content…

This unit is one of three self-contained modules for self-assessment, career exploration, and life skills designed for use with special populations (persons with disabilities, educationally and economically disadvantaged persons, persons with limited English proficiency, students in programs designed to eliminate sex bias, and prisoners) in…

The teacher's guide and student reference book presented here were developed as resources to facilitate school-age parenting education. The materials were organized around the nine essential elements for the Parenting Education for School-Age Parents course in Texas. The teacher's guide contains teaching strategies, teaching aids, paper-and-pencil…

This document contains both a trainers' guide and a participants' book for a one-day workshop on coping with unemployment. The workshop is planned to enable participants to withstand a period of joblessness with a minimum of personal stress. It includes information about specific unemployment-related problems, methods of stress management,…

This unit, one in a series of packets of teacher and student materials for cooperative occupational education (COE) designed for special needs students, is intended to develop student awareness of the importance of budgeting both time and money. It shows the relationship between the amount of time one works and how much one earns; and it provides…

This packet contains both a teacher's guide and a student activity book designed to help adult students acquire consumer information. Both booklets cover the following topics: bank accounts (checking accounts, savings accounts, other banking services), budgeting money, undersanding and using credit, comparative shopping, fraudulent persuasion, and…

This guide contains both teacher and student materials for a one-semester course in consumer education to be presented as part of an 11th or 12th grade or an adult vocational home economics program. The book is organized into six sections containing 15 units of instruction. The sections cover the following topics: management (of time, money,…