BUSN380 Week 5 TCO 4 Chap 8 Consumer Purchasing Strategies & Legal Protection
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BUSN380 Week 5 TCO 4 Chap 8 Consumer Purchasing Strategies & Legal Protection

Course Number: BUSN 380, Fall 2010

College/University: DeVry NY

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8 CONSUMER PURCHASING STRATEGIES AND LEGAL PROTECTION CHAPTER 8 QUIZ ANSWERS True- False 1. F (p. 250) 2. T (p. 251) 3. T (p. 245) 4. T (p. 247) 5. F (p. 260) Multiple Choice 6. B (p. 247) 7. A (p. 253) 8. D (p. 255) 9. A (p. 263) 10. C (p. 265) CHAPTER 8 QUIZ TRUE-FALSE __ __ _1. The first element in a purchasing decision is gathering information. ____ _2. Consumer information from business organizations...

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PURCHASING 8 CONSUMER STRATEGIES AND LEGAL PROTECTION CHAPTER 8 QUIZ ANSWERS True- False 1. F (p. 250) 2. T (p. 251) 3. T (p. 245) 4. T (p. 247) 5. F (p. 260) Multiple Choice 6. B (p. 247) 7. A (p. 253) 8. D (p. 255) 9. A (p. 263) 10. C (p. 265) CHAPTER 8 QUIZ TRUE-FALSE __ __ _1. The first element in a purchasing decision is gathering information. ____ _2. Consumer information from business organizations includes advertising, product labels, and packaging. ____ _3. National name products usually cost more than store brands or generics. ____ _4. An express warranty is usually in a written form. ____ _5. Most consumer complaints are resolved with the use of a government agency or by taking legal action. MULTIPLE CHOICE __ __ _6. ____ _7. A(n) __________ warranty covers most repairs of a product. a. limited b. implied c. full d. express The highest prices for used cars are usually at a a. new-car dealer. b. used-car dealer. c. private-party sale. Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-1 d. public auto auction. ____ _8. When leasing a motor vehicle, the capitalized cost refers to the a. security deposit. b. residual value. c. interest rate. d. price of the vehicle. ____ _9. A legally binding decision by a third part is a. arbitration. b. mediation. c. a legal society. d. a pre-paid legal service. ____ _10. __________ are publicly supported community law offices that provide legal assistance to consumers who cannot afford their own attorney. a. Small claims court b. Class action suits c. Legal aid societies d. Legal clinics SUPPLEMENTARY ACTIVITY Consumer Decision-Making Styles Inventory Your Consumer Choices Strongly Disagree 8-2 Agree Strongly Agree Getting very good quality is very important to me The well-known national brands are best for me I usually have one or more outfits of the very newest style Shopping is a pleasant activity to me I buy as much as possible at sale prices I should plan my shopping more carefully than I do There are so many brands to choose from that often I feel confused In Between 1. 2. 3. 4. 5. 6. 7. Disagree This page contains statements on different interests and priorities consumers have. Please read each statement and circle the number indicating how much you agree or disagree with the statement as a description of you. 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8. I have favorite brands I buy over and over 9. When it comes to purchasing products, I try to get the very best 10. The more expensive brands are usually my choices 11. I keep my wardrobe up-to-date with the changing fashions 12. Going shopping is one of the enjoyable activities of my life 13. The lower price products are usually my choice 14. I am impulsive when shopping 15. Sometimes its hard to choose which stores to shop 16. Once I find a product or brand I like, I stick with it Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 1 2 3 4 5 1 1 2 2 3 3 4 4 5 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 1 2 3 4 5 8-3 Scoring Summary Directions: Add your scores for items on Your Consumer Choices: Perfectionist Consumer = 1._____ + 9._____ = _____ Brand Conscious Consumer = 2._____ + = _____ Fashion Conscious Consumer = 3._____ + = _____ Recreational Shopping Conscious Consumer = 4._____ + = _____ Price-Value Conscious Consumer = 5._____ + = _____ Impulsive Consumer = 6._____ + = _____ Confused by Overchoice Consumer = 7._____ + = _____ Habitual-Brand Loyal Customer = 8._____ + 10.____ _ 11.____ _ 12.____ _ 13.____ _ 14.____ _ 15.____ _ 16.____ _ = _____ Scoring Interpretation Scores of 9-10 = You are HIGH on this consumer characteristic. Scores of 6-8 = You are MODERATE to AVERAGE on this consumer characteristic. Scores of 2-5 = You are LOW on this consumer characteristic. ANSWERS TO CONCEPT QUESTIONS, FINANCIAL PLANNING PROBLEMS, FINANCIAL PLANNING ACTIVITIES, FINANCIAL PLANNING CASE, DIGITAL CASE, AND CONTINUING CASE CONCEPT QUESTIONS Concept Check 8-1 (p. 249) 1. What factors commonly influence a persons daily buying choices? Buying decisions are most influenced by economic factors (inflation, taxes, interest rates, government regulations), personal factors (age, sex, income, family situation), and social factors (lifestyle, interests, hobbies, advertising). (Exhibit 8-1, p. 244) Different individuals tend to overlook different factors. An increased awareness of these factors can assist in making wiser and more satisfying consumer choices. 2. How are daily buying decisions related to overall financial planning? As shown in Exhibit 8-1 (p. 244), a persons spending patterns can result in either financial difficulties or achievement of desired financial goals. 8-4 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 3. What types of brands are commonly available to consumers? Consumers have a choice of brand-name, store-brand, and generic products. (p. 245) 4. In what types of situations can comparing prices help in purchasing decisions? Comparing prices can be helpful when buying expensive or complex items, when competing brands are available, when different package sizes are available, and when product quality varies. (pp. 246247) 5. How does a service contract differ from a warranty? What rights do purchasers of products have even if there is no written warranty? A service contract is a paid agreement for repairs. A warranty is a feature offered by a manufacturer or distributor. Even if there is not a written warranty, certain implied warranties are present. For example, sale of an item implies that the store owns the product or an item must do what it is intended to do, at least for a while! (p. 247) Action Application: In recent years, increased competition and expanded availability to information (such as the Internet) has tended to reduce brand loyalty in our society. This activity can provide students with an understanding of how brand loyalty affects buying habits. Concept Check 8-2 (p. 259) 1. What are the major sources of consumer information? The major sources of consumer information are personal contacts, business organizations, media information, independent testing organizations, online sources, and government agencies. (pp. 251) 2. What actions are appropriate when buying a used car? Identify sources of used vehicles, research and compare prices, condition of vehicle, and options. 3. When might leasing a motor vehicle be appropriate? Leasing may be appropriate for business use or when a new vehicle is desired every few years. 4. What maintenance activities could increase the life of your vehicle? Frequent oil changes, regular tune-ups, and checking belts, hoses, and fluids regularly can minimize major repairs and maximize vehicle life. Action Application: Students should discuss the advantages and disadvantages of obtaining these products at different types of businesses. While in some situations a higher price may mean better quality, which is not likely to always be true. Concept Check 8-3 (p. 263) 1. What are common causes of consumer problems and complaints? Not being informed in advance of factors such as warranties, service availability, prices at various stores, or cost of installation can result in consumer complaints. Also, not asking questions and not obtaining details in writing are common causes of consumer problems. (pp. 259-260) 2. How can most consumer complaints be solved? Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-5 Most consumer complaints are solved by contacting the store or company office. (pp. 260) 3. How does arbitration differ from mediation? Mediation is the involvement of a third party to suggest solutions in a dispute; arbitration is a legally binding decision by a third party made once the two parties in dispute agree to the process. (pp. 263) Action Application: Ask students to compare their findings to the items listed on pages 259-260. Concept Check 8-4 (p. 266) 1. In what types of situations would small claims court and class action suits be helpful? Small claims court is helpful for minor consumer problems that require legal action. Class action suits can provide legal assistance to a group with the same consumer complaint. (p. 264) 2. Describe some situations in which you might use the services of a lawyer. If a consumer situation is complicated or involves a large sum of money, the use of a lawyer may be appropriate. Situations might include a product injury case, settling an estate, purchase of real estate, adoption of a child, or a divorce. (pp. 264-265) Action Application: This activity can be helpful for students to better understand the process of resolving consumer complaints. FINANCIAL PLANNING PROBLEMS (p. 267) 1. Use advertisements, recent news articles, and personal observations to point out the economic, social, and personal factors that influence the purchases of the people in the following life situations: a. b. c. d. A retired person A single parent with children aged five and nine A dual-income couple with no children A person with a dependent child and a dependent parent Student answers will vary based on information collected. Refer to text p. 244. 2. You can purchase a service contract for all of your major appliances for $180 a year. If the appliances are expected to last for 10 years, and you earn 5 percent on your savings, what would be the future value of the amount you would pay for the service contract? $180 12.578 (PVA 5%, 10 years) = $2,264.04 3. If a person saves $63 a month by using coupons and doing comparison shopping, (a) what is the amount for a year? (b) What would be the future value of this annual amount over 10 years, assuming an interest rate of 4 percent? (a) $63 X 12 = $756; (b) $756 X 12.006 = $9,076.54 8-6 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 4. Tammy Monahan is considering the purchase of a home entertainment center. The product attributes and weights she plans to consider are: portability .1 sound projection .6 warranty .3 Tammy rated the brands as follows: Brand A Brand B Brand C portability 6 9 5 sound projection 8 6 9 warranty 7 8 6 Using the Consumer Buying Matrix (p. 252), conduct a quantitative product evaluation rating for each brand. What other factors is Tammy likely to consider when making her purchase? Brand A: (.1 6) + (.6 8) + (.3 7) = 7.5 Brand B: (.1 9) + (.6 6) + (.3 8) = 6.9 Brand C: (.1 5) + (.6 9) + (.3 6) = 7.7 Tammy should also consider many other factors such as store location, availability of service, brand reputation, experience of others, and shipping costs. 5. Using the Consumer Buying Matrix (p. 252), analyze a consumer purchase you plan to make sometime in the future. What factors affected the selection of the attributes and weights you chose for this purchase analysis? This assignment will require students to assess the importance of various attributes when making a major purchase. 6. John Walters is comparing the cost of credit to the cash price of an item. If John makes a $60 down payment, and pays $34 a month for 24 months, how much more would that be than the cash price of $695? [($34 24 months) + $60] - $695 = $181 7. Calculate the unit price of each of the following items: Motor oil Cereal Canned fruit Facial tissue Shampoo 78 cents a quart 14.5 cents an ounce 6.8 cents an ounce 75 cents per 100 23.3 cents an ounce 8. What would be the net present value of a microwave oven that costs $159 and will save you $68 a year in time and food away from home? Assume an average return on your savings of 4 percent for five years. $68 4.452 (PV of a series of amounts, 4%, 5 years) - $159 = $143.74 9. Use Financial Calculations: Planning Net Present Value of a Consumer Purchase (p. 246) to analyze a past or future purchase. This assignment will encourage students to consider various costs and benefits of a major consumer purchase. 10. Based on financial and opportunity costs, which of the following do you believe would be the wiser purchase? Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-7 Vehicle 1:a three-year-old car, with 45,000 miles, costing $8,700, and requiring $585 of immediate repairs Vehicle 2: a five-year-old car, with 62,000 miles, costing $6,500, and requiring $960 of immediate repairs Students can make a case for either vehicle since #1 has lower mileage, is newer, and requires fewer repairs. However, some people may find #2 more appealing due to the lower initial costs. 11. Using Sheet 38 in the Personal Financial Planner, calculate the approximate yearly operating cost of the following vehicle: Annual depreciation Current years loan interest Insurance License and registration fees Parking/tolls Fixed Ownership Costs $2,500 depreciation 650 interest on loan 680 insurance 65 License/registration $3,895 total fixed costs $2,500 $650 $680 $65 $420 Annual mileage 13,200 Miles per gallon 24 Average gasoline price $3.68 per gallon Oil changes/repairs $370 Variable Operating Costs $2,024 Gasoline 370 oil/repairs 420 parking/tolls $2,814 total variable costs Total costs $6,709 divided by 13,200 miles equals 50.8 cents cost per mile. 12. Based on the following, calculate the costs of buying and of leasing a motor vehicle. Purchase Costs Down payment $1,500 Loan payment $450 for 48 months Estimated value at End of loan $4,000 Opportunity cost interest rate: 4 percent Leasing Costs Security deposit $500 Lease payment $450 for 36 months End of lease charges $600 Purchase: $1,500 + [450 X 48] 4,000 + [1,500 X .04 X 4] = $19,340 Lease: [450 X 36] + 600 + [500 X .04 X 3] = $16,860 FINANCIAL PLANNING ACTIVITIES (p. 269) 1. Using a Web search, library resources, or a survey of acquaintances, determine the major factors people consider when (a) buying food, (b) selecting a store at which to shop, and (c) using information from advertisements. This assignment should expand student awareness of consumer buying patterns and motivations. Have students prepare a summary of their findings along with suggestions for wise purchasing. 2. Obtain a recent issue of Consumer Reports (or go to www.ConsumerReports.org) to evaluate and compare different brands of a product. Also obtain information on this product from people who sell and who have recently purchased this item. Compare the information received from these sources. The product reviews and ratings in Consumer Reports can provide helpful insight into a purchase. But the magazines results can sometimes be different from those of individual consumers. Have 8-8 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. students report on their findings of differences between what was in the article and what consumers experienced with the product. Encourage students to start with the Web sites listed in the Your Personal Financial Planner in Action 3. Use Sheet 35 in the Personal Financial Planner to compare different sources of used motor vehicles. This activity can involve use of advertisements and a Web search rather than visits to used car sales locations. Students should be able to point out economic, operational, and other factors that influence costs of vehicles from different sources. 4. Use Sheet 36 in the Personal Financial Planner to compare the costs of buying and leasing a motor vehicle. A increasing number of organizations are offering leases on motor vehicles. Encourage students to use dealer visits, advertisements, and Web sites to obtain information for this activity. 5. Collect print or online advertisements that appear to be too good to be true. Why are these ads deceptive? Should government agencies take action against any of the companies that presents these ads? Additional information about common frauds may be obtained at www.fraud.org Once again, this activity can provide insight into causes of common consumer complaints as well as areas where government action may be appropriate. 6. Prepare a survey of legal services available to students and others in your community. Use Sheet 35 in the Personal Financial Planner to compare the fees and services provided by lawyers and other sources of legal assistance. Some colleges have legal services available for students, this alternative should be considered along with others. INTERNET CONNECTION Obtaining Consumer Protection Assistance (p. 269) After obtaining this data, students should be able to better understand sources of consumer assistance. Also, have students report the key findings from their research. FINANCIAL PLANNING CASE Online Car Buying (p. 270) 1. Based on Mackenzies experiences, what benefits and drawbacks are associated with online car buying? While ease and convenience may be associated with online car buying, uncertainty of vehicle performance and dealer reputation may be a concern. 2. What additional actions might Mackenzie consider before buying a motor vehicle? Talk to people who have purchased vehicles through various online sources; research local dealers who actively participate in the online buying process. Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-9 3. What do you consider to be the benefits and drawbacks of shopping online for motor vehicles and other items? While student answers will vary, encourage students to communicate their knowledge related to online shopping. DIGITAL CASE The Cheapest of Them All (p. 270) 1. What actions can help a person control spending to achieve better personal financial security? Know your needs and priorities to avoid spending money on items that have little lasting value. Collecting information for a variety of sources will allow for better comparison shopping and wiser spending. 2. How might spending extensive time and effort for a bargain result in reduced financial benefits? Shoppers should put a value on their time and effort in order to best use all resources. Unwise use of time to save a small amount may not be in a persons best intest. CONTINUING CASE Purchasing Choices (p. 271) 1. What major factors could affect the Brocks spending habits? The fact that the Brocks have two preschool-age children is affecting their spending habits. As a result, Pam has chosen to retire for a while. This means that the Brocks must live on Joshs salary. 2. What transportation alternatives should the Brocks consider? If they decide that they need a second motor vehicle, how should they finance it? Assuming the Brocks decide they need a second automobile, they must determine if they should purchase a new or a used automobile. Each option has advantages and disadvantages. Ideally, they would pay cash for the automobile. If they purchase a new, expensive automobile, they will probably have to finance their automobile. Given the fact that the Brocks are considering the purchase of a home, a used car may be appropriate for the Brocks at this time. 3. Describe how various elements of Personal Financial Planner sheets 32-39 could be useful to the Brocks when making various purchasing decisions? Have students highlight various aspects of these sheets that they believe could help the Brocks to better plan and implement buying decisions. DAILY SPENDING DIARY (p. 272) This activity can assist students with an ability to reduce unplanned buying and to better achieve long8-10 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. term financial goals. Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-11 TM 8-1 8-12 A Research-Based Approach to Consumer Purchases (Exhibit 8-3) Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. TM 8-2 Common Advertising Techniques Product quality ads Comparative ads Humorous ads Emotional ads Lifestyle ads Endorsement ads (or testimonials) Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-13 TM 8-3 Consumer Buying Matrix Item Information Sources/Comments Step 2 Step Step 1 Step 4 Step 3 8-14 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. TM 8-4 Practical Purchasing Strategies Timing purchases Label information Store selection Price comparison Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. Brand comparison Warranty evaluation 8-15 TM 8-5 Unit Pricing Total price of an item divided by the cost per unit (ounces, pound, gallon, number of sheets) Examples a 16-ounce bottle selling for 80 cents has a unit price of 5 cents an ounce a 2.5 gallon selling for $8 has a unit price of $3.20 per gallon 350 napkins selling for $2.52 has unit price of 72 cents per 100 napkins 8-16 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. TM 8-6 Wise Buying Techniques: A Summary (Exhibit 8-2) Compare brands of similar products to determine which is best for your intended use. Compare stores and online buying sources with regard to prices, services offered, product quality, and return privileges. Read and evaluate label information. Use coupons for products that you buy regularly or are trying out. Use unit pricing to compare packages of different sizes. Obtain "rain checks" for out-of-stock advertised specials that you can use for purchase later. Use open dating to determine the freshness and shelf life of perishable products. Use various consumer information sources to assist you with your buying decisions. Consider the nutritional value and the health aspects of the foods you buy. Evaluate and compare the warranties of different brands. Read product testing reports to determine which items are the safest and of the highest quality. Plan your purchases to take advantage of sales and special offers. Consider the time and effort it takes to evaluate alternatives and go to different stores. Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-17 TM 8-7 Step 1 Suggested Steps for Resolving Consumer Complaints (Exhibit 8-8) Local communication Step 2 Higher-level communication Contact the companys main office Step 3 Third-party involvement Step 4 Litigation 8-18 Return to the place of purchase Obtain assistance from a consumer agency Take legal action Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. TM 8-8 Sample Complaint Letter (Exhibit 8-9) EXHIBIT 8-9 from p. 262 of text Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved. 8-19 TM 8-9 Common Automobile Repair Frauds (Exhibit 8-7) The majority of automobile servicing sources are fair and honest. Sometimes, however, consumers waste dollars when they fall prey to the following tricks: When checking the oil, the attendant may put the dipstick only partway down and then use it to show that you need oil. An attendant cuts a fan belt or punctures a hose. Watch carefully when someone checks under your hood. A garage employee may put some liquid on your battery and then tries to convince you that it is leaking and you need a new battery. Removing air from a tire instead of adding air to it can make an unwary driver open to buying a new tire or paying for an unneeded patch on a tire that is in perfect condition. The attendant may put grease near a shock absorber or on the ground and then tells you that your present shocks are dangerous and you need new ones. You are charged for two gallons of antifreeze with a radiator flush, when only one gallon was put in. Dealing with reputable businesses and having a basic knowledge of your automobile are the best methods of preventing deceptive repair practices. 8-20 Copyright 2009 The McGraw-Hill Companies, Inc. All rights reserved.

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University of Phoenix - US/101 - US/101
How did this game help you understand the electronic resources available to you?Well a few of the questions I had to have a second chance at and then at the end I pressed ESCthinking there would be another screen so I had to do the game again, on the se
University of Phoenix - US/101 - US/101
WhataremyLearningStrengths?Research shows that all human beings have at least eight different types of intelligence. Depending on yourbackground and age, some intelligences are more developed than others. This activity will help you find out whatyour s
University of Phoenix - US/101 - US/101
Adulthood and Aging: Social Processes and DevelopmentOne of the most reliable findings in social gerontology is that with age, people report fewer social partners. Assuming that cultural ageism is responsible, researchers had construed this phenomenon as
University of Phoenix - PSY/201 - PSY/201
University of Phoenix - PSY/201 - PSY/201
University of Phoenix - PSY/201 - PSY/201
Assignment: Testing a TheoryI recently had a baby and I am learning new things everyday about how to raise my child.Everyone says that if I always pick my baby up when he is crying that I will spoil him and hewill always expect to be held or picked up.
University of Phoenix - PSY/201 - PSY/201
Axia College MaterialAppendix AMeditation WorksheetDirections: Locate two resources on the Internet that explain meditation techniques. Copy and paste the Web address into the top ofthe matrix. After reviewing the Web site, provide a brief summary for
University of Phoenix - PSY/201 - PSY/201
University of Phoenix - PSY/201 - PSY/201
Axia College MaterialAppendix CPiaget WorksheetDirections: Review Module 26 of Psychology and Your Life. Complete the matrix below and answer thequestions that follow.Cognitive StageAge RangeMajor Characteristicssensorimotor0-2 yearspreoperation
University of Phoenix - PSY/201 - PSY/201
oIf you had to write a research paper on this topic, would you use thearticle you selected? Explain why or why not.As we grow older our natural selection process of whom we keep in ourcompany grows stronger. Entering adulthood our social networks decr
University of Phoenix - PSY/201 - PSY/201
Axia College MaterialAppendix DPsychotherapy MatrixDirections: Review Module 36 of Psychology and Your Life. Select three approaches to summarize. Include examples of the types of psychologicaldisorders appropriate for each therapy.Disorders appropri
University of Phoenix - FP/101 - FP/101
Assignment: Buy vs. Lease Scenario, Due Day 7, Assignment Section, WordDocument AttachmentResources: Auto Calculator website:http:/www.bankrate.com/calculators/auto/buy-or-lease-calculator.aspxAnswer the questions presented the way you think you would
University of Phoenix - FP/101 - FP/101
Axia College MaterialAppendix EThe Five Cs WorksheetDirections: Identify the following factor descriptions to their corresponding C of credit.The five Cs are listed below:CapacityCapitalCollateralCharacterConditionsConditionYour household cash
University of Phoenix - FP/101 - FP/101
University of Phoenix - FP/101 - FP/101
Axia College MaterialAppendix BPersonal Financial Planning WorksheetDirections: Based on your readings and discussions in class this week, answer the following questionscompletely.1. The process of creating a detailed plan to meet your financial need
University of Phoenix - FP/101 - FP/101
What are some future consequences of borrowing too much debt?Building too much debt will cause you to repay much of the money towards yourinterest. You could also force yourself into bankruptcy and face years of bad credit. Having toomuch debt can also
University of Phoenix - FP/101 - FP/101
Assignment: Buy vs. Lease Scenario, Due Day 7, Assignment Section, Word DocumentAttachmentResources: Auto Calculator website:http:/www.bankrate.com/calculators/auto/buy-or-lease-calculator.aspxAnswer the questions presented the way you think you would
University of Phoenix - FP/101 - FP/101
Axia College MaterialAppendix FInsurance MatrixType ofInsuranceAutoFunctionsExample of CompanyCoverage CharacteristicsProvides protection in the eventof an automobile accident orother incident involving a motorvehicle.Usaa, All State, State F
University of Phoenix - HUM/111 - HUM/111
Axia College MaterialAppendix BFinal ExamAccess the Electronic Reserve Readings link on your student Web site for Week Nine.Select one of the topics below and read both articles that present opposing sides of theargument surrounding that topic.ooo
University of Phoenix - HUM/111 - HUM/111
Coal Energy Kills and PollutesOn average a coal plant burns 1.4 million tons of coal each year. There are an estimated sixhundred coal plants in the United States. Coal is burned to create energy and provides over half of theUnited States energy to comm
University of Phoenix - HUM/111 - HUM/111
How much is your life worth? How much is your health worth? Once you have decided what thevalue of your life and health equal to, add that to the value of your familys health and lives. Does the totalworth of your family and yourself come out to be an
University of Phoenix - HUM/111 - HUM/111
1. Using the critical thinking skills you have gained so far and referring to the materialsprovided for this assignment, identify two possible strategies that Thomas Hutchinson orSamuel Adams likely used to develop and improve their thinking as those hi
University of Phoenix - COM/155 - COM/155
University of Phoenix - COM/155 - COM/155
Axia College MaterialAppendix GFinal AssignmentNote that there are multiple parts for this final assignment.Read two of the five paragraphs on the second page of this appendix. Write a brief paragraphof about 150 words in which you do the following:
University of Phoenix - COM/155 - COM/155
2.Recent economic concerns prompted President Obama to meet with credit card industryexecutives in April, 2009. The national credit card delinquency rate has continued togrow in recent times, and the President, along with Congress, aims to end unfair f
University of Phoenix - COM/155 - COM/155
My sentence corrections:1. my(My) first day with University of phoenix(Phoenix) was slightly confusing.2. Their(There) were several things I had to remember in order to my school work properly.3. I fit my school work into my daily schedule.Correct4.
University of Phoenix - COM/155 - COM/155
Pronouns:1. Several people have told me that they each have been saving as much money as possible.2. I have asked them all how much do they set aside for themselves after bills and savings.3. Even though I still have plenty more credits waiting to be p
University of Phoenix - COM/155 - COM/155
Axia College MaterialAppendix ESentence Correction and Changes in WritingReview the following sentences. Some of them are correct, whereas others contain an error witha commonly confused word.Identify those with errors by marking each of the errors i
University of Phoenix - COM/155 - COM/155
Axia College MaterialAppendix DIdentify Twenty Errors in the Passage BelowReview the passage below, which contains 20 errors. Identify these errors by marking each of theerrors in bold, and make your correction in parentheses after the error.Example: