Jacaranda new concepts in commerce : NSW Australian curriculum

Half-title page
Title page
Copyright page
Contents
Syllabus table
HOW TO USE the Jacaranda New Concepts in Commerce resource suite
Acknowledgements
CORE STUDY TOPICS
TOPIC 1 Consumer and financial decisions
	1.1 Overview
		1.1.1 Introduction
	1.2 The nature of commerce
		1.2.1 The scope of commerce
	1.3 Key factors affecting consumer and financial decisions
		1.3.1 Customer service
		1.3.2 Price
		1.3.3 Convenience
		1.3.4 Marketing and advertising
		1.3.5 Gender
		1.3.6 Age
		1.3.7 Disposable income
		1.3.8 Environmental considerations
		1.3.9 Social media
		1.3.10 Cultural factors
	1.4 How individuals make particular decisions
		1.4.1 Whether to spend or save?
		1.4.2 What to buy?
	1.5 Choosing where to buy
		1.5.1 Range of locations and sources
		1.5.2 Mail order
		1.5.3 Online shopping
		1.5.4 Types of retail outlets
		1.5.5 Buying locally, regionally, interstate and globally
	1.6 Different payment options
		1.6.1 Different methods of payment
		1.6.2 Ranking payment options
	1.7 SkillBuilder: Comparison shopping investigation
		1.7.1 Tell Me
		1.7.2 Show me
		1.7.3 Let me do it
	1.8 Consumer protection
		1.8.1 The need for consumer protection
	1.9 Reasons for and features of a simple contract
		1.9.1 What is a contract?
		1.9.2 Features of a simple contract
	1.10 Legal rights and responsibilities of consumers
		1.10.1 Legal rights of consumers
		1.10.2 Protective legislation
		1.10.3 Consumer guarantees
		1.10.4 Responsibilities of consumers
	1.11 Organisations that provide assistance for consumers
		1.11.1 State government
		1.11.2 Ombudsman
		1.11.3 Federal government
		1.11.4 Independent organisation: CHOICE
		1.11.5 The media
	1.12 SkillBuilder: Questioning and research
		1.12.1 Tell me
		1.12.2 Show me
		1.12.3 Let me do it
	1.13 Processes of consumer redress
		1.13.1 Remedies and their outcomes
		1.13.2 NSW Fair Trading
		1.13.3 NSW Civil and Administrative Tribunal
	1.14 Financial management
		1.14.1 The importance of financial management
		1.14.2 Consequences of poor financial management
	1.15 Importance of long-term financial strategies
		1.15.1 Funding retirement through superannuation
	1.16 Tools and strategies for effective financialmanagement
		1.16.1 Importance of monitoring and record keeping
		1.16.2 Budgets
		1.16.3 Savings plans
		1.16.4 Superannuation
	1.17 Options for addressing financial difficulty
		1.17.1 Personal loans
		1.17.2 Negotiating alternative payment plans
		1.17.3 Seeking support
	1.18 Impact of technology on consumer decisions
		1.18.1 Barter
		1.18.2 Money
		1.18.3 Impact of technology
	1.19 Thinking Big research project: Smart financialmanagement
		1.19.1 Scenario
		1.19.2 Task
		1.19.3 Process
	1.20 Review
		1.20.1 Summary
		1.20.2 Key terms glossary
TOPIC 2 The economic and business environment
	2.1 Overview
		2.1.1 Introduction
	2.2 The five-sector circular flow model
		2.2.1 The consumer and business sectors
		2.2.2 The financial sector (third sector)
		2.2.3 The government sector (fourth sector)
		2.2.4 The overseas sector
	2.3 The interdependence between differentsectors of the economy
		2.3.1 The role of the government in protecting consumers
		2.3.2 The role of the financial sector in facilitating business investment
	2.4 The business cycle
		2.4.1 Phases of the business cycle
		2.4.2 Recessions — too little spending
		2.4.3 Booms — too much spending
	2.5 The price mechanism and the interaction of demand and supply within a market
		2.5.1 Demand
		2.5.2 Supply
		2.5.3 The price mechanism
	2.6 SkillBuilder: Communicating information intables and graphs
		2.6.1 Tell me
		2.6.2 Show me
		2.6.3 Let me do it
	2.7 What is a market?
		2.7.1 Retail markets
		2.7.2 Labour markets
		2.7.3 Financial markets
		2.7.4 Stock markets
	2.8 SkillBuilder: Contesting and debating ideas
		2.8.1 Tell me
		2.8.2 Show me
		2.8.3 Let me do it
	2.9 Customary trading practices of AboriginalPeoples and Torres Strait Islander Peoples
		2.9.1 Participation in historical and contemporary markets
		2.9.2 The use of cultural knowledge in enterprising ways
		2.9.3 Indigenous tourism
	2.10 The reasons for government interventionin the market
		2.10.1 Prevention of environmental degradation
		2.10.2 Conservation of natural resources
	2.11 Different types of businesses
		2.11.1 Online businesses
		2.11.2 On-demand businesses
		2.11.3 Small and large businesses
		2.11.4 Global businesses
		2.11.5 Offshore businesses
		2.11.6 Government businesses
		2.11.7 Not-for-profit businesses
	2.12 Factors influencing business decisions
		2.12.1 Technology
		2.12.2 The business cycle
		2.12.3 Globalisation
	2.13 The contribution of entrepreneurship and innovation
		2.13.1 Entrepreneurship
		2.13.2 Innovation
	2.14 Ethical decision-making and corporate social responsibility
		2.14.1 Corporate social responsibility and good business
	2.15 Thinking Big research project: Please stop calling
		2.15.1 Scenario
		2.15.2 Task
		2.15.3 Process
	2.16 Review
		2.16.1 Summary
		2.16.2 Key terms glossary
TOPIC 3 Employment and work futures
	3.1 Overview
		3.1.1 Introduction
	3.2 Work and wellbeing
		3.2.1 Economic and wellbeing benefits of work
		3.2.2 Work to earn a living
		3.2.3 Why do people work?
		3.2.4 Benefits of work
	3.3 Workplace participants
		3.3.1 Who is in the workplace?
		3.3.2 Employees
		3.3.3 Employers
		3.3.4 Trade unions
		3.3.5 Employer associations
		3.3.6 Governments
	3.4 Types of employment and work arrangements
		3.4.1 Paid and unpaid work
		3.4.2 Types of employment
		3.4.3 The labour force and its workers
		3.4.4 Voluntary work
		3.4.5 Forms of income
	3.5 The nature of work
		3.5.1 Choosing careers
		3.5.2 Changing industries
		3.5.3 Changes in occupations
	3.6 Patterns of employment
		3.6.1 Participation rates
		3.6.2 Hours of work
		3.6.3 Work–life balance
		3.6.4 Availability of jobs
		3.6.5 Job security
		3.6.6 Career lengths
		3.6.7 The impact of technology on thenature of work60pt
		3.6.8 Globalisation as a changing factor
		3.6.9 Sharing economy
	3.7 SkillBuilder: Analysis and interpretation of data
		3.7.1 Tell me
		3.7.2 Show me
		3.7.3 Let me do it
	3.8 Rights and responsibilities in the workplace
		3.8.1 The employment contract
		3.8.2 Modern awards
		3.8.3 What are penalty rates?
		3.8.4 Enterprise agreement
		3.8.5 Common law contract
		3.8.6 Rights and obligations of employees and employers
		3.8.7 Employee entitlements — National Employment Standards (NES)
		3.8.8 Independent contractors
		3.8.9 Employment contracts — the new industrial landscape
	3.9 Responsibilities to workers and the government
		3.9.1 Taxation
		3.9.2 Paid parental leave
		3.9.3 Superannuation
	3.10 Laws relating to the workplace
		3.10.1 Workplace health and safety (WH&S) legislation
		3.10.2 Bullying in the workplace
		3.10.3 Sexual harassment
	3.11 Anti-discrimination and unfair dismissal
		3.11.1 Anti-discrimination
		3.11.2 Unfair dismissal
	3.12 Resolving disputes
		3.12.1 Methods of resolving disputes
		3.12.2 Grievance procedures
		3.12.3 Negotiation
		3.12.4 Mediation
		3.12.5 Conciliation and arbitration
	3.13 Current issues within the scope of employment
		3.13.1 Understanding unemployment
		3.13.2 Full employment
		3.13.3 Social cost of unemployment
		3.13.4 Personal costs of unemployment
	3.14 SkillBuilder: Analysis and interpretation of graphs
		3.14.1 Tell me
		3.14.2 Show me
		3.14.3 Let me do it
	3.15 Employment opportunities
		3.15.1 Lifetime of learning
	3.16 Different pathways in education and training
		3.16.1 Education
		3.16.2 Apprenticeships
		3.16.3 University
		3.16.4 Training
	3.17 SkillBuilder: Preparing a résumé
		3.17.1 Tell me
		3.17.2 Show me
		3.17.3 Let me do it
	3.18 Work in the future
		3.18.1 Likelihood of work changing in the future
	3.19 Thinking Big research project: Workplace evolution presentation
		3.19.1 Scenario
		3.19.2 Task
		3.19.3 Process
	3.20 Review
		3.20.1 Summary
		3.20.2 Key terms30pt
4 Law, society and political involvement
	4.1 Overview
		4.1.1 Introduction
	4.2 Reasons for laws
		4.2.1 Rules and laws
		4.2.2 Reasons for laws in society
	4.3 Values, morals and ethics
		4.3.1 Rules of morality and ethics
		4.3.2 Different country, different values, different laws
	4.4 Australia's court system
		4.4.1 Court hierarchy
		4.4.2 The Local Court (bottom tier)
		4.4.3 The District Court (third tier)
		4.4.4 The Supreme Court (second tier)
		4.4.5 The High Court of Australia (top tier)
		4.4.6 Specialised Court
	4.5 The role of court personnel
		4.5.1 Magistrate as umpire
	4.6 The role and selection of juries
		4.6.1 Role of the jury
		4.6.2 Empanelling a jury
		4.6.3 Arguments for and against the jury system
	4.7 How laws are made: common law
		4.7.1 The beginnings of common law
		4.7.2 Common law
		4.7.3 Precedent
		4.7.4 Statutory interpretation
	4.8 How laws are made: statute law
		4.8.1 The beginnings of parliament
		4.8.2 Statute law
	4.8 COMFACT
		4.8.3 Federal and state constitutions
	4.9 How a bill becomes a law
		4.9.1 Making laws
	4.10 Types of law
		4.10.1 The two branches of the law
	4.11 Civil law
		4.11.1 Protecting our individual rights
	4.12 Criminal law
		4.12.1 Crime
	4.13 Customary law
		4.13.1 What is customary law?
		4.13.2 Recognition of Indigenous Law
	4.14 Domestic versus international law
		4.14.1 Laws regulating Australia and its citizens
		4.14.2 International law and The United Nations
	4.15 Accessing the law
		4.15.1 Barriers to accessing the law
	4.16 SkillBuilder: Debating an issue
		4.16.1 Tell me
		4.16.2 Show me
		4.16.3 Let me do it
	4.17 The three levels of government
		4.17.1 Structure of Australia's government
		4.17.2 Federal government
		4.17.3 State government
		4.17.4 Local government
	4.18 Why do laws change?
		4.18.1 Laws reflect changes in society
		4.18.2 The Eureka Stockade anddemocratic rights
		4.18.3 The vote for women
		4.18.4 Cybercrime laws
	4.19 Political action
		4.19.1 Issues that concern the community
		4.19.2 How to take action on political issues — active citizenship
		4.19.3 Youth advisory councils
	4.20 Referendums
		4.20.1 The process for changing the Constitution
		4.20.2 The double majority
		4.20.3 Where do proposals for change come from?
	4.21 Participating in the democratic process
		4.21.1 Democracy at work
		4.21.2 The origins of democracy
		4.21.3 Australia's representative democracy
		4.21.4 Australia's political system
		4.21.5 Different types of government
	4.22 Voting in the democratic process
		4.22.1 The right to vote
		4.22.2 Methods of voting
	4.23 Rights and responsibilities in the democratic process
		4.23.1 Role and strategies of pressure groups
		4.23.2 Rights and responsibilities of individuals and groups in the democratic process
	4.24 Role and function of political parties
		4.24.1 Providing options for Australian voters
		4.24.2 Australian Labor Party
		4.24.3 The Liberal Party of Australia
		4.24.4 National Party of Australia
		4.24.5 Australian Greens
		4.24.6 Independents
	4.25 The inner workings of Australia's government
		4.25.1 Forming the federal government
		4.25.2 Policy making in Australian politics
		4.25.3 Shaping Australian policy and law
	4.26 Separation of powers
		4.26.1 The separation of powers
		4.26.2 The legislative arm
		4.26.3 The executive arm
		4.26.4 The judicial arm
		4.26.5 The division of powers
	4.27 SkillBuilder: Problem solving and decision making
		4.27.1 Tell me
		4.27.2 Show me
		4.27.3 Let me do it
	4.28 Thinking Big research project: Making laws
		4.28.1 Scenario
		4.28.2 Task
		4.28.3 Process
	4.29 Review
		4.29.1 Summary
		4.29.2 Key terms glossary
OPTION TOPICS
TOPIC 5 Our economy
	5.1 Overview
		5.1.1 Introduction
	5.2 Ways of assessing the performance of the Australian economy
		5.2.1 Standard of living
		5.2.2 Economic growth
		5.2.3 Income distribution
		5.2.4 Environmental sustainability
	5.3 Government macroeconomic policy tools (monetary policy/fiscal policy)
		5.3.1 The bigger picture
		5.3.2 Budgetary/fiscal policy
		5.3.3 Monetary policy and the role of the Reserve Bank of Australia
	5.4 Government microeconomic policy tools (trade, education, productivity)
		5.4.1 The smaller picture
		5.4.2 Trade liberalisation
		5.4.3 Labour market reforms
		5.4.4 Market deregulation
		5.4.5 National reform agenda
		5.4.6 Environmental policy
	5.5 Economic growth rates
		5.5.1 Australia’s economic performance
		5.5.2 Comparison of Australia’s performance with other economies
		5.5.3 Comparison of Australia’s performance with China
	5.6 Unemployment trends
		5.6.1 What is unemployment?
		5.6.2 Measuring unemployment
		5.6.3 Australia’s unemployment rate
		5.6.4 Comparison of Australia’s performance with one other economy in the Asia region
		5.6.5 Causes of unemployment
		5.6.6 Impacts of unemployment
	5.7 Inflation rates and sustainability indexes
		5.7.1 Measuring inflation
		5.7.2 Causes of inflation
		5.7.3 Impacts of inflation
		5.7.4 Australia’s inflation rate
	5.8 SkillBuilder: Calculating inflation
		5.8.1 Tell me
		5.8.2 Show me
		5.8.3 Let me do it
	5.9 Sustainability indexes
		5.9.1 Qualitative measures
		5.9.2 Genuine Progress Indicator (GPI)
		5.9.3 Measuring Australia’s Progress (MAP)
		5.9.4 Human Development Index (HDI)
		5.9.5 The Business Confidence Index
		5.9.6 Liveability Ranking
		5.9.7 The World Happiness Report
	5.10 SkillBuilder: Sustainable Development Goals
		5.10.1 Tell me
		5.10.2 Show me
		5.10.3 Let me do it
	5.11 International trade and the Australian economy
		5.11.1 Trade and the Australian economy
		5.11.2 Australia’s major trading partners
		5.11.3 Australia’s major exports and imports of goods, services and resources
	5.12 The interdependence of Australia with other global economies
		5.12.1 The interdependence of Australia with the Chinese economy
		5.12.2 The interdependence of Australia with the Japanese economy
	5.13 The impact of government on Australia’s international trade
		5.13.1 How the government impacts on Australia’s international trade
		5.13.2 Australia’s trade agreements
		5.13.3 The significance of trade agreements
	5.14 Global influences on the Australian economy and the interactions between the international and domestic business cycles
		5.14.1 Globalisation
		5.14.2 The impact of changes in global markets
		5.14.3 The impact of changes in the global economy
		5.14.4 The rise and influence of the global economy
	5.15 Thinking Big research project: How does Australia measure up?
	5.16 Review
		5.16.1 Summary
		5.16.2 Key terms glossary
TOPIC 6 Investing
	6.1 Overview
		6.1.1 Introduction
	6.2 Reasons for investing
		6.2.1 Reasons individuals and businesses invest
	6.3 Financing your investment
		6.3.1 Saving for an investment
		6.3.2 Borrowing to invest
		6.3.3 Income and expenditure account
		6.3.4 Superannuation as an investment form
	6.4 Range of investment options
		6.4.1 Investment accounts
		6.4.2 Shares
		6.4.3 Property
		6.4.4 Managed funds
		6.4.5 Superannuation
		6.4.6 Debentures and unsecured notes
		6.4.7 Cryptocurrency
	6.5 SkillBuilder: Reading a sharemarket chart
		6.5.1 Tell me
		6.5.2 Show me
		6.5.3 Let me do it
	6.6 Ethical investments
		6.6.1 Investing ethically
	6.7 The relationship between risk and return
	6.8 Factors influencing an investment portfolio
		6.8.1 Diversification
	6.9 Investment planning — maintaining records and monitoring investments
		6.9.1 Short-term investments
		6.9.2 Long-term investments
		6.9.3 Modifying investments to maximise long-term gains
		6.9.4 Maintaining records and monitoring investments of a hypothetical investment portfolio
	6.10 Managing investments and risk mitigation
		6.10.1 Personal and economic circumstances
		6.10.2 Risk mitigation strategies for managing investments
	6.11 The role and responsibilities of the financial services industry
		6.11.1 Role of the financial services industry
		6.11.2 Financial advice
		6.11.3 The responsibilities of lenders and advisers
		6.11.4 The role of government agencies — ASIC
		6.11.5 Current issue — banking deregulation
	6.12 Thinking Big research project: It’s a risky business
		Scenario
		Task
		Process
	6.13 Review
		6.13.1 Summary
		6.13.2 Key terms glossary
TOPIC 7 Promoting and selling
	7.1 Overview
		7.1.1 Introduction
	7.2 The selling process
		7.2.1 How businesses differentiate products
		7.2.2 Social, ethical and environmental considerations when promoting products
	7.3 Nature of product promotion
		7.3.1 Promotion
		7.3.2 The role of gender in product promotion
	7.4 Targeting customers
		7.4.1 Processes used to target consumers
		7.4.2 How promotion strategies target young people and particular groups in the community
	7.5 Legal and ethical issues arising from particular product promotion
		7.5.1 Legal issues
		7.5.2 Ethical issues
		7.5.3 The use of Indigenous cultural and intellectual property
	7.6 Selling techniques
		7.6.1 Analyse selling techniques used by businesses to promote a product — Coca-Cola
	7.7 The effectiveness of selling techniques used for a particular product or service
		7.7.1 Monitoring and evaluating selling techniques
	7.8 Factors influencing contemporary selling techniques
		7.8.1 Technology
		7.8.2 Social media
		7.8.3 Global markets
		7.8.4 Government regulation
	7.9 SkillBuilder: Questioning and research
		7.9.1 Tell me
		7.9.2 Show me
		7.9.3 Let me do it
	7.10 Thinking Big research project: Hitting the target — multimedia advertising campaign
		7.10.1 Scenario
		7.10.2 Task
		7.10.3 Process
	7.11 Review
		7.11.1 Summary
		7.11.2 Key terms glossary
8 Running a business
	8.1 Overview
		8.1.1 Introduction
	8.2 Being an entrepreneur
		8.2.1 Characteristics of an entrepreneur
		8.2.2 A successful entrepreneur
	8.3 SkillBuilder: Cost–benefit analysis
		8.3.1 Tell me
		8.3.2 Show me
		8.3.3 Let me do it
	8.4 Planning for success
		8.4.1 Key considerations involved when planning and organising a small business
		8.4.2 Opportunities to run a small business
	8.5 Key features of organisational structures
		8.5.1 Types of legal structure
		8.5.2 Financing a business
	8.6 Establishing a new business or purchasing an existing business
		8.6.1 Setting up a new business from scratch
		8.6.2 Purchasing an existing business
		8.6.3 Franchising
		8.6.4 Important planning considerations
		8.6.5 Likely success of small business opportunities
	8.7 Business operations
		8.7.1 Key considerations involved in running a small business
		8.7.2 Regulations affecting business operations
		8.7.3 Marketing strategies for promoting a business and selling products or services
		8.7.4 Ethical decision-making and corporate social responsibility
		8.7.5 Organisations that provide support and advice to small businesses in Australia
	8.8 Maintaining financial records
		8.8.1 The importance of maintaining financial records and minimising risk
		8.8.2 The features of key business documents and how to interpret them
		8.8.3 Strategies to minimise risk and avoid insolvency and bankruptcy
		8.8.4 The ways businesses respond to changing economic conditions
		8.8.5 Key issues, processes and strategies related to running a business
	8.9 Thinking Big research project: Pitch a business idea
		8.9.1 Sce nario
		8.9.2 T ask
		8.9.3 Proc ess
	8.10 Review
		8.10.1 Summary
		8.10.2 Key terms glossary
TOPIC 9 Law in action
	9.1 Overview
		9.1.1 Introduction
	9.2 Contact with the law
		9.2.1 Legal capacity
	9.3 Contact with the criminal law and elements of crime
		9.3.1 Criminal law
		9.3.2 Young people and criminal offences
		9.3.3 Elements that need to be proven to convict someone of a crime
	9.4 Punishment for a crime
		9.4.1 Forms of punishment
		9.4.2 Common penalties for crimes
	9.5 Contact with civil law
		9.5.1 The difference between civil and criminal law
		9.5.2 Contracts
		9.5.3 Negligence
	9.6 The impact of civil and criminal law on young people
		9.6.1 Joint criminal enterprise
		9.6.2 ‘It was just for fun’
	9.7 Rights and responsibilities of individuals
		9.7.1 Human rights
		9.7.2 Protection provided by the law
		9.7.3 Conventions on the rights of the child
	9.8 The role of law enforcement agencies
		9.8.1 The law and you
		9.8.2 Politicians make laws
		9.8.3 Legal advisors specialise in the law
		9.8.4 Police enforce the laws
		9.8.5 Australian Taxation Office
		9.8.6 Courts interpret laws
		9.8.7 Law-breakers are punished by courts
	9.9 Dispute resolution outside of the courts
		9.9.1 Alternatives to going to court
		9.9.2 Mediation and conciliation
		9.9.3 Tribunals and arbitration
		9.9.4 Restorative justice
		9.9.5 Warnings
		9.9.6 Formal cautions
		9.9.7 Community conferencing
	9.10 Dispute resolution in Aboriginal and Torres Strait Islander communities
		9.10.1 What is customary law?
		9.10.2 The Dreaming
		9.10.3 Dreaming stories
		9.10.4 Dispute resolution
		9.10.5 Recording customary law
		9.10.6 Customary laws and Australian law
		9.10.7 Alternative sentencing for Indigenous offenders
	9.11 Dispute resolution by the United Nations
		9.11.1 The United Nation’s purpose
		9.11.2 The United Nations as peacekeepers
		9.11.3 Australian peacekeeping missions
	9.12 Rights and freedoms in the Democratic People’s Republic of Korea
		9.12.1 Comparing rights and responsibilities
	9.13 SkillBuilder: Group consensus
		9.13.1 Tell me
		9.13.2 Show me
		9.13.3 Let me do it
	9.14 Thinking Big research project: Create a bill of rights
		9.14.1 Scenario
		9.14.2 Task
		9.14.3 Process
	9.15 Review
		9.15.1 Summary
		9.15.2 Key terms glossary
TOPIC 10 Travel
	10.1 Overview
		10.1.1 Introduction
	10.2 The nature of tourism
		10.2.1 What is tourism?
		10.2.2 Different types of tourists
		10.2.3 Different forms of tourism
		10.2.4 Contribution of tourism
	10.3 Planning a trip
		10.3.1 Choosing a travel destination
		10.3.2 Factors affecting travel decisions
	10.4 Advantages and disadvantages of various means of travel
		10.4.1 Means of travel
		10.4.2 Group or private travel
	10.5 Travel planning options
		10.5.1 Do-it-yourself
		10.5.2 Using an agent
	10.6 Considerations when planning a trip
		10.6.1 Official documents
		10.6.2 Medical requirements
		10.6.3 Political stability and travel warnings
		10.6.4 Travel insurance
		10.6.5 Language and cultural considerations
	10.7 Organising a passport and visa
		10.7.1 Applying for or renewing an Australian passport
		10.7.2 Applying for or renewing a visa
	10.8 Developing an itinerary
		10.8.1 What, where, when and how
		10.8.2 Travel advice from Department of Foreign Affairs and Trade (DFAT)
		10.8.3 Other travel advice
	10.9 Solving problems related to travel
		10.9.1 Financial issues
		10.9.2 Legal concerns and issues in different countries
		10.9.3 Cultural differences and culturally sensitive behaviour
		10.9.4 Strategies for overcoming common problems associated with travel
	10.10 Current issues and impacts of travel
		10.10.1 Declining tourism in some communities
		10.10.2 Overtourism in certain historical and cultural sites
		10.10.3 Risks associated with travelling to certain countries
		10.10.4. The future of tourism
	10.11 Thinking Big research project: Design a 7-day cruise adventure
		10.11.1 Scenario
		10.11.2 Task
		10.11.3 Process
	10.12 Review
		10.12.1 Summary
		10.12.2 Key terms glossary
TOPIC 11 Towards independence
	11.1 Overview
		11.1.1 Introduction
	11.2 Moving from home
		11.2.1 Reasons for leaving home and living independently
		11.2.2 Key issues facing young people in their moves to independent living
		11.2.3 Applying for legal or medical identification
		11.2.4 Support organisations
		11.2.5 Continuing to live at home to save for future purchases
	11.3 Arranging accommodation
		11.3.1 Types of accommodation available and their suitability for particular situations and needs
		11.3.2 Calculation of the affordability of accommodation
	11.4 Accessing information available relating to arranging a lease
		11.4.1 Tenancy rights and responsibilities
		11.4.2 New tenant checklist
		11.4.3 Signing the lease
		11.4.4 Financial advice
		11.4.5 Common rental problems
		11.4.6 Sharing accommodation
	11.5 Managing finances
		11.5.1 Major costs involved in independent living
		11.5.2 Strategies to minimise financial problems
		11.5.3 Constructing a household budget
		11.5.4 Tax obligations
	11.6 Managing finances — insurance options
		11.6.1 Paying for peace of mind
		11.6.2 Insurance as a contract
		11.6.3 Types of insurance
	11.7 Major purchases
		11.7.1 Buying a mobile phone
		11.7.2 Buying a car
	11.8 Options available for the purchase of major items
		11.8.1 Cash or credit
		11.8.2 New, second hand, joint ownership
		11.8.3 Consumer protection available for selected items
		11.8.4 Alternatives to the purchase of major items
	11.9 SkillBuilder: Choosing a mobile phone plan
		11.9.1 Tell me
		11.9.2 Show me
		11.9.3 Let me do it
	11.10 Community involvement
		11.10.1 Becoming active and effective participants in the community
		11.10.2 The benefits of community involvement
	11.11 SkillBuilder: Communication and reflection
		11.11.1 Tell me
		11.11.2 Show me
		11.11.3 Let me do it
	11.12 SkillBuilder: Delivering an oral presentation
		11.12.1 Tell me
		11.12.2 Show me
		11.12.3 Let me do it
	11.13 Current issues
		11.13.1 Ease of access to loans and credit facilities
		11.13.2 Alternatives to loans and credit facilities
	11.14 Thinking Big research project: Designing a website
		11.14.1 Scenario
		11.14.2 Task
		11.14.3 Process
	11.15 Review
		11.15.1 Summary
		11.15.2 Key terms glossary
GLOSSARY
Index