The above image shows how a skimmer can be attached to a credit card reader at a gas station. Skimmers, found on gas pumps and ATM's, are illegal devices that are used to steal credit information. Read the Tampa Bay Times article below on illegal card skimmers. What are the risks? Then watch the video on how credit card skimmers work and conduct more research on the problem. Create a public service announcement to inform people about the problem and some solutions. How do you protect yourself against skimmers? What government agencies protect consumers against skimmers?
SS.8.FL.6.1 Analyze the fact that personal financial risk exists when unexpected events can damage health, income, property, wealth, or future opportunities.
SS.912.FL.4.12:Discuss that consumers who use credit should be aware of laws that are in place to protect them and that these include requirements to provide full disclosure of credit terms such as APR and fees, as well as protection against discrimination and abusive marketing or collection practices. The Tampa Bay Times article on gas prices below highlights an increase during Spring Break. Why do you think there is an increase in gas prices before holidays? Think about supply and demand. When there is more demand, prices often increase. There is a lot of online data about vehicles; however, often times people don't know how to use the data. Check out the graph above from GasBuddy, which tracks the price of gasoline over an 18 month period. What trends do you notice? How might higher prices in gasoline impact vehicle purchasing decisions? Conduct some research on Tampa Bay Times Cars and other online sources to discover the gas mileage of your top five favorite vehicles. Which vehicle gets the best gas mileage and how does this impact your decisions?
Standards
SS.8.FL.2.2 Analyze a source’s incentives in providing information about a good or service, and how a consumer can better assess the quality and usefulness of the information. SS.912.FL.2.3: Discuss that when buying a good, consumers may consider various aspects of the product including the product’s features. Explain why for goods that last for a longer period of time, the consumer should consider the product’s durability and maintenance costs. Check out the Tampa Bay Times opinion column on Facebook by Daniel Ruth. The title is Facebook Users Were Naive to Share Private Information. Before reading the article, what do you think the title means? In paragraph 8 of the article, Ruth says: "Apparently Facebookers were asked to fill in a personality profile . . ." That is how the information sharing began. How many times have you ever filled in an online quiz or personality profile? These profiles come in the guise of: What Harry Potter character are you? What superhero would you be? etc. Companies like Cambridge Analytica collect data from these quizzes to sell to marketing firms and other organizations, some of which are not reputable. Now read the Tampa Bay Times article below on Facebook likes. What type of information about your biases and preferences have you shared by liking something on social media? Did you know that companies also collect this information? Conduct more research and create a public service announcement that explains the risks of completing these quizzes and "liking" on Facebook or other online applications.
Standards
SS.8.FL.6.7 Evaluate social networking sites and other online activity from the perspective of making individuals vulnerable to harm caused by identity theft or misuse of their personal information. SS.912.FL.6.9 Explain that loss of assets, wealth, and future opportunities can occur if an individual’s personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft.
Recently, Florida Virtual School reported a data breach. Based on the Tampa Bay Times article below, what is a data breach? Conduct some online research. What other information can you find about this issue? How can a data breach impact your finances? Watch the videos below from the Federal Trade Commission about Identity Theft. Why should you care about identity theft? How can you keep your information safe? What advice would you give to your friends and family?
Standards
SS.8.FL.6.7 Evaluate social networking sites and other online activity from the perspective of making individuals vulnerable to harm caused by identity theft or misuse of their personal information. SS.912.FL.6.9 Explain that loss of assets, wealth, and future opportunities can occur if an individual’s personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft. In the article below, the Tampa Bay Times called Florida the Fraud King, as based on a Federal Trade Commission report. According to the article, what are the most frequently reported fraud crimes? How can you protect yourself against fraud? One of the ways to protect your credit rating from financial crimes is to check your credit report. If someone commits fraud and steals your identity, it can impact your future. What protects you from fraud? Did you know that employers, landlords, and insurance companies check credit scores? How can this impact your future?
Standards
SS.8.FL.6.1 Analyze the fact that personal financial risk exists when unexpected events can damage health, income, property, wealth, or future opportunities. SS.912.FL.2.7: Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. SS.912.FL.4.5:Explain that lenders make credit decisions based in part on consumer payment history. Credit bureaus record borrowers’ credit and payment histories and provide that information to lenders in credit reports. SS.912.FL.4.6:Discuss that lenders can pay to receive a borrower’s credit score from a credit bureau and that a credit score is a number based on information in a credit report and assesses a person’s credit risk. SS.912.FL.4.7:Describe that, in addition to assessing a person’s credit risk, credit reports and scores may be requested and used by employers in hiring decisions, landlords in deciding whether to rent apartments, and insurance companies in charging premiums. Watch the EconEdLink video on buying with credit. Then, play the Wallet Wisdom Game (below) from Tampa Bay Times Newspaper in Education. What did you learn? What are some of the benefits of credit cards? What are some of the costs? Based on what you learned, create some wallet wisdom sayings. Then, create some wallet wisdom cards to pass out to friends and family to help promote financial literacy!
SS.912.FL.4.1:Discuss ways that consumers can compare the cost of credit by using the annual percentage rate (APR), initial fees charged, and fees charged for late payment or missed payments.
SS.8.FL.4.3 Examine the fact that borrowers who use credit cards for purchases and who do not pay the full balance when it is due pay much higher costs for their purchases because interest is charged monthly. Explain how a credit card user can avoid interest charges by paying the entire balance within the grace period specified by the financial institution. SS.912.FL.4.5:Explain that lenders make credit decisions based in part on consumer payment history. Credit bureaus record borrowers’ credit and payment histories and provide that information to lenders in credit reports.
There are so many things to consider when trying to make a car-buying decision. We have some great tools to help you make that decision. First of all, you can read the Tampa Bay Times article above Good Driver Poor Credit to find out what things can drive your costs up. Then, learn about auto insurance from the Federal Reserve No Frills Money Skills videos and use the EconEdLink car shopper app for iPhone or Android. Search for some cars using the Tampa Bay Times Cars search engine. Once you have picked your top four cars, use the excel spread sheet below to input your own data and make a comparison. What are the costs and benefits of the different choices? For more information on buying cars, read the Tampa Bay Times article.
Standards
SS.8.FL.2.2 Analyze a source’s incentives in providing information about a good or service, and how a consumer can better assess the quality and usefulness of the information. SS.8.FL.2.4 Examine choosing a payment method, by weighing the costs and benefits of the different payment options. SS.912.FL.2.5: Discuss ways people incur costs and realize benefits when searching for information related to their purchases of goods and services and describe how the amount of information people should gather depends on the benefits and costs of the information. Some day in the future, you will want a place of your own. Moving out is exciting and risky. Consider whether you would rather rent or buy a home. Read the Movin' on Out passage on page 4 in the Are You Ready For the Real World Newspaper in Education supplement attached below. Now, search the newspaper for five possible places to live. List your priorities for amount of living space, price, and location. Which of the locations best suits your needs and fits your budget? What if you want to buy a home in the future? When you are established in your career, buying a home is considered an investment. What things should you consider when trying to decide between buying and renting? How would your budget change if you were to purchase a home? Use some of the Practical Money Skills Buying a Home Calculators to plan for the future.
Standards
SS.8.FL.2.5 Discuss the fact that people may revise their budget based on unplanned expenses and changes in income. SS.912.FL.2.5 Discuss ways people incur costs and realize benefits when searching for information related to their purchases of goods and services and describe how the amount of information people should gather depends on the benefits and costs of the information. Managing money is one of the most difficult things to learn. One of the first things you should do is learn how to create a budget. Watch the EconEdLink videos on Budgeting and Budgeting Basics. Then, use the EconEdLink Budget Calculator to create your own budget. To learn more about budgets, check out the Are You Ready for the Real World Newspaper in Education publication below on page 13. How can you make room in your budget for unexpected expenses?
Standards
SS.8.FL.2.5 Discuss the fact that people may revise their budget based on unplanned expenses and changes in income. SS.912.FL.1.5: Discuss reasons why changes in economic conditions or the labor market can cause changes in a worker’s income or may cause unemployment. Do you have a passion that excites you that makes you want to start your own business? Check out the image above. What does it say about being an entrepreneur? Why would an individual want to become an entrepreneur? Although entrepreneurship is extremely rewarding, it is also very challenging. Watch the Council for Economic Education video about Entrepreneurship. What are the costs and benefits of becoming an entrepreneur? Search the Tampa Bay Times for articles about entrepreneurs. What have some local entrepreneurs accomplished? What are some of the challenges? How could a decision to start your own business affect your income and future opportunities? If you decide you would rather work for someone else, check out the Tampa Bay Times article below on the best jobs in Florida.
SS.8.FL.1.2 Identify the many decisions people must make over a lifetime about their education, jobs, and careers that affect their incomes and job opportunities.
SS.912.FL.1.1: Discuss that people choose jobs or careers for which they are qualified based on non-income factors, such as job satisfaction, independence, risk, family, or location. Check out the Tampa Bay Times articles about Flippy below. After reading part 1, what do you think about the future of robots in the workplace? What types of jobs do they replace? After reading part 2, what kinds of skills do people have that cannot be replaced by Flippy?
Getting more education and learning new skills can increase your career prospects. However, you should make sure that you make the right higher education choices. Did you know that over 70% of students left college with student loan debt. Planning can help families prepare for higher education expenses. Use the Council of Education College Calculator to plan for your future so you can make the best decision by comparing costs and benefits of different options. Standards
SS.8.FL.1.3 Explain that getting more education and learning new job skills can increase a person’s human capital and productivity. SS.8.FL.1.4 Examine the fact that people with less education and fewer job skills tend to earn lower incomes than people with more education and greater job skills. SS.8.FL.1.5 Examine the fact that investment in education and training generally has a positive rate of return in terms of the income that people earn over a lifetime, with some education or training having a higher rate of return than others. SS.912.FL.1.5: Discuss reasons why changes in economic conditions or the labor market can cause changes in a worker’s income or may cause unemployment. SS.912.FL.1.2: Explain that people vary in their willingness to obtain more education or training because these decisions involve incurring immediate costs to obtain possible future benefits. Describe how discounting the future benefits of education and training may lead some people to pass up potentially high rates of return that more education and training may offer. Your skills and talents can be considered as your human capital, as described in this video by the Council of Economic Education. What are your skills and talents? What are your interests? Conduct some online research using the Tampa Bay Times Jobs search. Search through the jobs and pick 10 possibilities for the future. What education, skills, and training are required for the different careers? Now, choose your top 5 and evaluate the costs and benefits of the different choices. Standards:
SS.8.FL.1.1 Explain that careers are based on working at jobs in the same occupation or profession for many years. Describe the different types of education and training required by various careers. SS.912.FL.1.3: Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices. Have you ever "Liked" something on social media or filled in an online quiz? Many times your "likes" and quiz answers are sold to data companies so they can figure out your preferences. For example, in a quiz, What Superhero Character Are You? the questions will ask questions about your preferences. For example questions could ask things like: what color cape you would wear, what food you like to eat, what type of shoes you prefer, and what superhero car you would drive. If the quiz asked these four questions, what would someone know about you? While these quizzes are fun and seem innocent, this data is often gathered and sold to companies so they can target advertising toward your preferences to influence you to buy more. Consider ways you can protect yourself when using social media. What choices should you make about sharing information? That is not the only problem with information sharing by social media sites. The two Tampa Bay Times articles below discuss the latest Facebook data breach and how companies used personal data to manipulate the type of news and other information that appeared in their feeds. The first article further discusses how Facebook "likes" about hobbies, interested and attitudes were shared to create "information dominance" where a company can change all of the information you receive to make sure it aligns to your preferences and biases. These connections are very important to marketers and special interest groups, including conspiracy sites who share fake news. When you read the second article about Facebook breakup, consider how difficult it can be to leave a social media site. After learning about these sites, think of someone you know who uses social media. What advice would you provide to them?
Florida Standards
SS.8.FL.6.7 Evaluate social networking sites and other online activity from the perspective of making individuals vulnerable to harm caused by identity theft or misuse of their personal information. .... SS.912.FL.6.9 Explain that loss of assets, wealth, and future opportunities can occur if an individual’s personal information is obtained by others through identity theft and then used fraudulently, and that by managing their personal information and choosing the environment in which it is revealed, individuals can accept, reduce, and insure against the risk of loss due to identity theft.
Elon Musk is a very successful entrepreneur. Why do you think he decided to send a Tesla into space? Check out the Tampa Bay Times Newspaper in Education political cartoon about the launch. What were the costs and benefits of Elon Musk's decision to send the Tesla into space? Consider the news and social media coverage of the event. Conduct an online search of the coverage this event had through videos, news, and social media. Do you think he made a wise choice? Why or why not?
SS.912.FL.1.3 Evaluate ways people can make more informed education, job, or career decisions by evaluating the benefits and costs of different choices.
...... If you buy auto insurance, you expect to pay a premium now and transfer the costs of an accident to the insurance company. That's what reputable insurance companies do! But what happens when the insurance company doesn't pay full benefits? For example, read the Tampa Bay Times article below about a lawsuit against an insurance company that failed to obligate the full cost of a stolen or destroyed car. How can you protect yourself against this? Make sure you conduct research about insurance companies before you choose one. Also, check out the Better Business Bureau so you can see how the company is rated and how they treat other customers before you make a decision.
SS.912.FL.6.3:Describe why people choose different amounts of insurance coverage based on their willingness to accept risk, as well as their occupation, lifestyle, age, financial profile, and the price of insurance.
SS.8.FL.6.2 Identify insurance as a product that allows people to pay a fee (called a premium) now to transfer the costs of a potential loss to a third party. ...... According to the Tampa Bay Times article below, the Ford Motor Company is using Miami-Dade County to conduct a test of self-driving vehicles. Read the article. What do you think? How do you think consumers will react to autonomous and semi-autonomous vehicles? What are some of the issues they may face? Would you buy a self-driving car? What are the costs and benefits of this decision?
Florida Financial Literacy Standards
SS.912.FL.2.3: Discuss that when buying a good, consumers may consider various aspects of the product including the product’s features. Explain why for goods that last for a longer period of time, the consumer should consider the product’s durability and maintenance costs. SS.8.FL.2.1 Explain why when deciding what to buy, consumers may choose to gather information from a variety of sources. Describe how the quality and usefulness of information provided by sources can vary greatly from source to source. Explain that, while many sources provide valuable information, other sources provide information that is deliberately misleading. ...... How are some of the ways charity can benefit from planned races? Check out the article from the Tampa Bay Times below to read about the Skyway 10K. Why might people want to donate money to charity? Which non-profit organized the race? Why do you think the organizers planned the event?
SS.912.FL.2.6: Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating.
In economics, they say there is no such thing as a free lunch. Check out the article attached from the Tampa Bay Times to find out how you can get a dozen donuts without paying for them. Why do you think Krispy Kreme started this initiative? How does the charity benefits? How do both customers and the store benefit from the trade?
According to the National Community Pharmacists' Association (NCPA), pharmacy benefit managers (PBM) have a non-transparent business model that can add hidden costs and lead to higher prices in prescription drugs. Did you know that PBMs are not currently regulated by the state and sometimes take advantage b billing health plans more for prescription drugs than the local pharmacist even charges? This allows them to make a higher profit! Check out the Tampa Bay times article below to find out how House Bill 351 is trying to ensure PBMs are operating transparently with patients. Ask students: as a consumer, how does this impact your spending decisions? How could this impact patients? What effects could this create in terms of benefit packages?
There has been a large recent drop in the stock market. What should you do? Click on the image to read the article by the Tampa Bay Times that provides advice on what to do in terms of current events. Then conduct some more research by clicking on links to other articles about the stock market. How did the market adjust? What advice would you give to your friends and family members?
Financial Literacy Standards SS.912.FL.5.7:Describe how financial markets adjust to new financial news and that prices in those markets reflect what is known about financial assets. From Angel Trees to extra zzz's . . .
At this time of year people think of giving to their favorite charity or to others in need. And those gifts don't have to be monetary. For example, tell students that if they let their parents get some extra zzz's by letting them sleep in, that would be a nice gift! Or if they do something to help someone, it is also a great gift. During the holiday season, all over town you can find Angel Trees. Check out the video below if you students aren't familiar with Angel Trees.
Ask students what happens when you help someone. Ask why they think people give to charity. Tell students that they should always research charities before they donate. There are Naughty and Nice lists for charities; check out the Tampa Bay Times "Naughty" list of questionable charities and their special reports on the Worst Charities in America before you decide to give.
SS.4.FL.2.3 Identify some of the ways that people spend a portion of their income on goods and services in order to increase their personal satisfaction or happiness. Identify some ways people spend money to help others through charity. SS.8.FL.2.5 Discuss the fact that people may revise their budget based on unplanned expenses and changes in income. After watching the Paper Angels video clip, have students discuss how people may change their holiday shopping budget if they find a reputable charity. SS.912.FL.2.6 Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating. Discuss ways in which people can contribute goods or services for charity. ......
Before you begin shopping for toys this holiday season, check out this Tampa Bay Times article about toy safety. How does this information affect your decisions about toy-buying?
If you are tired of thinking about toys that can spy, check out some nostalgia. Every year there is a "hot" toy.
SS.4.FL.2.6 Predict how peoples spending choices are influenced by prices as well as many other factors, including advertising, the spending choices of others, and peer pressure. How does the information on toys that spy affect your spending choices?
SS.8.FL.2.1 Explain why when deciding what to buy, consumers may choose to gather information from a variety of sources. Describe how the quality and usefulness of information provided by sources can vary greatly from source to source. Explain that, while many sources provide valuable information, other sources provide information that is deliberately misleading. How does the information in the article impact your buying decisions? SS.912.FL.2.3 Discuss that when buying a good, consumers may consider various aspects of the product including the products features. Explain why for goods that last for a longer period of time, the consumer should consider the products durability and maintenance costs. Why is it important to conduct research before buying a toy? What did you learn from the article? How would this impact your buying decisions? ...... ...... ...... Many people prepare a turkey for Thanksgiving and other holiday dinners. Check out this Tampa Bay Times article on how to buy and prepare a turkey dinner. Then check out the grocery flyers in Tampa Bay Times Circulars to plan the rest of your holiday feast. Make a budget. Search for bargains. When you save money on the holiday dinner, you have more money to spend on Black Friday shopping!
Florida Standards Activities: SS.4.FL.2.7 Planning for spending can help people make informed choices. Develop a budget plan for spending, saving, and managing income. Use the Tampa Bay Times Circulars to create a budget for a holiday dinner. SS.4.FL.3.2 Explain that when people save money, they give up the opportunity to buy things now in order to buy things later. Have students use Tampa Bay Times Circulars to plan their holiday dinner. After they choose the items they want, have them do some comparison shopping to see how much money they can save. If they save now, they can buy something later. SS.8.FL.2.5 Discuss the fact that people may revise their budget based on unplanned expenses and changes in income. Have students use Tampa Bay Times Circulars to plan a holiday dinner. Ask them to plan two different budgets: one budget with all the things they want, and a second budget where they consider having to save money due to an unplanned expense. SS.912.FL.2.6 Explain that people may choose to donate money to charitable organizations and other not-for-profits because they gain satisfaction from donating. Consider donating to a food bank for Thanksgiving. With a budget of $100.00, use the Tampa Bay Times Circulars to plan what you would buy for the food bank. ...... Happy Thanksgiving! Following Thanksgiving, many people start thinking about shopping for the holidays. Black Friday, the day after Thanksgiving has been considered the beginning of the holiday shopping season in the U.S. since 1952. Many retailers open early and offer deals on key merchandise. More recently, some retailers have opened during overnight hours on Thanksgiving Day, traditionally in the evening. Cyber Monday began in 2005, as a marketing term for the Monday after the Thanksgiving holiday. There are many circulars available at this time of year. You can use the Tampa Bay Times Circulars to have students search for sales. They can create budgets, conduct comparison shopping, and discuss the ways in which advertising influences shopping decisions. In addition, discuss the importance of conducting research through unbiased sources like Consumer Reports or Consumer Search.com. Then, if you are considering buying apps, consider using Common Sense Media. For more information on trusting product reviews, check out the NPR interview with Consumer Reports and Consumer Search. In order to protect consumers against fraud, the government has established a Consumer Protection Bureau under the Federal Trade Commission.
Financial Literacy Standards and Activities SS.4.FL.2.7 Planning for spending can help people make informed choices. Develop a budget plan for spending, saving, and managing income. Use the flyers to create a budget for holiday spending. SS.4.FL.2.6 Predict how peoples spending choices are influenced by prices as well as many other factors, including advertising, the spending choices of others, and peer pressure. How does advertising influence you in choosing things that you want? What about peer pressure? Did you ever want to buy something because your friends or someone famous used the product? SS.8.FL.2.1 Explain why when deciding what to buy, consumers may choose to gather information from a variety of sources. Describe how the quality and usefulness of information provided by sources can vary greatly from source to source. Explain that, while many sources provide valuable information, other sources provide information that is deliberately misleading. Consider some holiday gifts you would like to purchase. Gather information from flyers and other online sources, including product reviews. Think about the bias that might occur in reviews that are on the product website. Which sources can you trust? SS.8.FL.2.2 Analyze a sources incentives in providing information about a good or service, and how a consumer can better assess the quality and usefulness of the information. Why would producers and sellers want to provide information about their goods? Why would buyers want to provide information about goods? It is important to use a variety of sources to research a product. SS.912.FL.2.3 Discuss that when buying a good, consumers may consider various aspects of the product including the products features. Explain why for goods that last for a longer period of time, the consumer should consider the products durability and maintenance costs. What are some of the features of a good that make you consider purchasing a gift? For example, if you were purchasing running shoes, what would you consider? What about electronics? How should durability and maintenance impact your decisions? SS.912.FL.2.4 Describe ways that consumers may be influenced by how the price of a good is expressed. Check out the Black Friday flyers. How do advertisers try to influence consumers with the ways the prices are expressed? What language do they use? How do the worlds bargain, save, sale, and deal influence buyers? SS.912.FL.2.7 Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Check out the Consumer Protection Bureau under the Federal Trade Commission. What laws exist to protect consumers? Check out Consumer Reports or Consumer Search.com and the NPR interview with Consumer Reports and Consumer Search. How do agencies like these provide consumers with information? ...... ...... Are you looking for an interesting topic to spur some debate during the holidays? According to a report by The Lancet Commissions on pollution and health, pollution killed 9 million people in 2015. Most of the deaths occurred in low-to-middle income countries, which have not introduced the pollution controls common in richer nations. Cities like Beijing and New Delhi, which are often cited in the news for air pollution, are not even in the top ten most polluted cities based on 2016 World Health Organization data. This report also noted that the pollution does not stay in one place. For example, at least eleven percent of black carbon pollution in the western US states originates in China. Furthermore, at least 20 percent of China's pollution results from producing goods for the USA. This is a serious problem. A recent study reported by CNN noted that 1-in-6 deaths can be linked to pollution! Now read this Tampa Bay Times opinion column about informing the public about pollution. What do you think? Do you think you have the right to know if industry is causing pollution that harms health? What if the pollution directly harms your health? So what can you do about pollution? As a consumer, you can make decisions about the goods you buy.
Conduct some online research about the companies behind products you buy. Do any of these companies have bad reputations for pollution? If so, are there any other substitute goods that you would consider? Check out the Forbes infographic on pollution. Create a poster or infographic about this issue to inform others so they can be aware and informed for the new year. This is your year to vote with your purchases. SS.4.FL.2.5 Explain that costs are things that a decision maker gives up; benefits are things that a decision maker gains. Make an informed decision by comparing the costs and benefits of spending alternatives. The costs of buying a popular item aren't always obvious. Conduct some research on products before you buy them. What is the reputation of the company? Does the company cause harm to the environment or people? Make an evidence-based decision based on facts. SS.8.FL.2.2 Analyze a sources incentives in providing information about a good or service, and how a consumer can better assess the quality and usefulness of the information. What are a corporation's incentives for providing information about pollution? What happens if a company knows it is spewing out harmful substances and does nothing or hides the fact? Before you buy something weigh the costs and benefits of the purchase. The costs of buying a popular item aren't always obvious. Conduct some research on products before you buy them. What is the reputation of the company? Does the company cause harm to the environment or people? Make an evidence-based decision based on facts. SS.912.FL.2.7 Examine governments establishing laws and institutions to provide consumers with information about goods or services being purchased and to protect consumers from fraud. Read the above articles. Then read this Tampa Bay Times article on how a cruise ship company polluted and covered it up. Based on the article, what laws and government agencies protect people from the potential harm that corporate pollution can cause. Conduct some research on government agencies and laws that protect consumers. What do you think? ...... ...... |
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January 2022
CategoriesAuthorDeborah Kozdras, Ph.D. |