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Theft, accident, sickness, and natural disasters are daily risks of life. Just as we do our best to avoid the physical consequences of these perils, we can also protect ourselves from their financial cost. We do this by sharing the risk of that loss with others through insurance. You can purchase insurance on your life and to pay your medical bills. You can purchase property insurance to protect your car, home, and other major possession from damage or theft. Liability insurance protects you if you should injure others or damage their property.

One of the principal services offered by savings institutions and banks is the checking account. Some of the things that consumers need to know in using and maintaining a checking account are reviewed in the Study Guide.

Credit allows you to purchase the things you want how and pay for them over a special period of time. Credit can be useful but it does require good character, capital, and capacity to repay the loan. Credit can be expensive. Two of the most important things to look for when shopping for a loan are the finance charge and APR.

The purpose of advertising is to sell goods and services. While certain advertising techniques benefit consumers, others do not. Consequently, consumers ought to be familiar with the kinds of strategies that advertisers use to sell their products.

The principal responsibility for consumer protection lies with government agencies at the federal state and local levels. There are, however, a number of organizations, sponsored by the private sector, whose purpose is to protect consumers. These include such well-known institutions as the Better Business Bureau and local Chambers of Commerce.

Because consumers make up the largest economic sector (business and government are the other two) , the level of consumer spending has a direct impact on the economy as a whole

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І. Лексико-граматичний тест:

1. We always eat food typical______the region we are trav­elling in.

a) for c) at

b) on d) of

2. Are you aware______any reason why he is late?

a) with c) for

b) about d) of

3. She went out to work not to be dependent_______her husband.

a) on c) with

b) at d) for

4. She never goes out at night because she is afraid______the dark.

a) at c) of

b) to d) for

5. Because of the flu many teachers were absent_______work.

a) of c) for

b) from d) at

6.1 feel really sorry______her because she has fallen ill.

a) about c) of

b) with d) for

7. She isn't satisfied______her progress in English.

a) of c) from

b) with d) at

8. My sister is better______sport than me.

a) at c) of

b) in d) with

9.1 must hurry or I'll be late______school.

a) at c) for

b)in d)to

10. He was found guilty______robbing the bank.

a) of c) with

b) for d) at