Overwhelming

36. 
    (p. 206) FALSE 38. (p. 188-190) A 39. (p. 188-190) C 40. (p. 188-190) B 41. (p. 188-190) C 42. (p. 189-190) C 43. (p. 189-190) D 44. (p. 190) D
    

75. (p. 196) D

113. (p. 193) B

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  Does over shopping damage your finances?
  
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  Do your shopping habits hurt your relationships?
  
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  Do you buy to change your mood?
  
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  Do you have an overwhelming desire to buy things?
  

a. Comparison shopping—the process of considering alternative stores, brands, and prices.

114. 
     (p. 188) Two of the following should be included:
     

114. 
     (p. 188) An express warranty, usually in written form, is created by the seller or manufacturer and has two forms: the full warranty and the limited warranty. An implied warranty covers a product's intended use or other basic understandings that are not in writing.
     

114. 
     (p. 188) Although service contracts, frequently called extended warranties, can cover repairs not included in the manufacturer's warranty, they can cost from $400 to more than $1,000 and do not always include everything that a shopper might expect.
     

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  Online sources.
  
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  Government agencies.
  
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  Independent testing organizations.
  
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  Media information.
  
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  Business organizations.
  
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  Personal contacts.
  

114. 
     (p. 193) Acceptable answers include these:
     

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  Aesthetic features that add to the vehicle's visual appeal (metallic paint, special trim or upholstery).
  
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  Convenience options (power seats, air conditioning, stereo systems, power locks, rear window defogger, tinted glass).
  
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  Mechanical devices to improve performance (larger engine, transmission, power steering, power brakes, cruise control).
  

114. 
     (p. 193) Optional equipment falls under three categories:
     

114. 
     (p. 193) Although the cost of leasing may be lower, at the end of the lease period, a consumer has no ownership of the item.
     

114. 
     (p. 193) It can confuse the process of determining the true price of the new car.
     

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  Signing agreements with preprinted amounts and numbers that are not appropriate for the specific purchase.
  
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  Unrealistic statements regarding cost and price.
  
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  Leaving a deposit to "hold" the vehicle.
  
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  Negotiating the monthly payments before determining the cost of the vehicle.
  
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  Highballing.
  
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  Lowballing.
  

114. 
     (p. 198) The following are all acceptable:
     

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  Parking and tolls.
  
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  Maintenance and repairs.
  
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  Tires.
  
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  Gasoline and oil.
  
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  License, registration, taxes, and fees.
  
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  Insurance.
  
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  Interest on an auto loan.
  
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  Depreciation.
  

114. 
     (p. 200) The following are all acceptable:
     

4. Take legal action.

3. Obtain consumer agency assistance.

2. Contact company headquarters using a letter or e-mail.

123. 
     (p. 201) The four steps are
     

123. 
     (p. 203) Mediation is the use of a third party to settle grievances. The mediator uses discussion and negotiation in a nonbinding process.