Consumer Studies Grade 12 Eastern Cape Mock 2014 Memo

Downloaded from hlayiso.com NATIONAL SENIOR CERTIFICATE GRADE 12 SEPTEMBER 2014 CONSUMER STUDIES MEMORANDUM MARKS: 200 This memorandum consists of 15 pages.

Downloaded from hlayiso.com 2 CONSUMER STUDIES (SEPTEMBER 2014) QUESTION 1: SHORT QUESTIONS 1.1 1.1.1 A√ (1) 1.1.2 C√ (1) 1.1.3 C√ (1) 1.1.4 B√ (1) 1.1.5 D√ (1) 1.1.6 C√ (1) 1.1.7 A√ (1) 1.1.8 B√ (1) 1.1.9 D√ (1) 1.1.10 A√ (1) 1.1.11 C√ (1) 1.1.12 B√ (1) 1.1.13 D√ (1) 1.1.14 A√ (1) 1.1.15 B√ (1) 1.1.16 D√ (1) 1.1.17 C√ (1) 1.1.18 A√ (1) 1.2 1.2.1 B√ (1) 1.2.2 C√ (1) 1.2.3 F√ (1) 1.2.4 A√ (1) 1.3 1.3.1 E√ (1) 1.3.2 D√ (1) 1.3.3 B√ (1) 1.3.4 A√ (1) Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 3 1.4 A, C, D, E √√√√ (4) 1.5 B, D, E √√√ (3) 1.6 A, C, F √√√ (3) 1.7 1.7.1 standardisation √ (1) 1.7.2 marketing plan √ (1) 1.7.3 lower √ (1) 1.7.4 image √ (1) [40] QUESTION 2: THE CONSUMER 2.1 2.1.1 Cooling-off period  A cooling-period is the amount of time the law gives a consumer who has signed a contract/transaction for goods to cancel it.  The consumer can have 5 working days to cancel a contract when goods are purchased by direct marketing (transactions the consumer did not start) including via SMS en e-mails.  You do not have to give a reason.  No penalties may be levied.  A lease or instalment contract may be cancelled if the contract was concluded at a place other than the business premises of the credit provider.  The seller must refund the purchase price of the goods within 7 business days/15 days of receiving your notification. (Any 3 x 1) (3) 2.1.2 Differentiate between a warranty and a guarantee  Warranty – A written promise to repair or replace an article without charge if it breaks or does not work/meet the terms of the warranty during the set period.  Does not cover ordinary wear and tear.  Guarantee – A promise in writing that the product/service will remain in working condition/quality or durability for a particular length of time.  Money is returned if the product/service does not meet the terms of the guarantee. (2) 2.2 What is the main purpose behind the way that ‘phishing’ operates?  To steal money from an unsuspecting consumer.  To get personal or financial information from consumers  To trick you, they use fake e-mails/phone calls or websites to achieve this. (Any 2 x 1) (2) Copyright reserved Please turn over

Downloaded from hlayiso.com 4 CONSUMER STUDIES (SEPTEMBER 2014) 2.3 When would a stokvel scheme be illegal?  When the savings scheme is based on a pyramid scheme.  The initiator recruits people to invest money and in turn they recruit more people. The original members get fees paid by every person from the subscription of new members and the most recent members lose financially. (Any 2) 2.4 Impact van inflation Impact on buying capacity  Inflation decreases the buying capacity of money.  Inflation increases the prices of goods and services/prices keep climbing.  You buy less with the same amount of money.  Reduces the purchase power of savings. This affects the elderly.  There is a subtle decrease in the standard of living. (Any 2 x 1) CPI and its relation to inflation  The CPI is the measure that helps you determine the increases in prices.  It relates to inflation as the CPI keeps track of the change in cost over the year/in the price of a group (basket) of products and services shows a change in the price of goods and services.  The average price change is used to calculate the CPI.  CPI is expressed as a percentage and is a measure of the inflation rate  Inflation rate is the annual percentage change in the CPI. (Any 2 x 1) New developments  The weighting of products to calculate the CPI was changed and introduced in 2013.  Products used the most in the average household are weighted because these products affect households more. OR  The basket will take into account the difference between small towns and large towns in each province. (Any 2 x 1) (6) 2.5 2.5.1 LPG Liquefied/liquid petroleum gas √ (1) Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 5 2.5.2 Advantages  Burns more cleanly than other fossil fuels like coal and oil.  Inexpensive/affordable.  Government have regulated the sale price of gas with a maximum price that retailers can sell for so it is more affordable to lower income groups.  Price of electricity continues to go up/cheaper than electricity.  More environmentally friendly as it produces low carbon emissions.  Can be stored safely.  Households using gas are not affected by loadshedding.  For cooking uses – you pay only for what you use. With electricity you pay for the time it takes the stove to warm up.  Gas waterheaters – hot water flows directly to the top, so it is more energy efficient and cost effective (Any 4 x 1) (4) [20] QUESTION 3: FOOD AND NUTRITION 3.1 3.1.1 GI index  How much a food-item with carbohydrates will raise the blood glucose level  Based on how quickly (fast) and how high they boost (raise) blood sugar levels.  Ranks carbohydrates on a scale of 1 to 100.  The scale reflects low (1 to 55) slow/steady release/ stable level of glucose in the blood and high (above 70) quick release/rapid rise of glucose in the blood.  The speed at which carbohydrates release glucose into the bloodstream. (Any 2 x 1) (2) 3.1.2 GI = Optimum Health  Digested more slowly/released slowly/steadily  Gentler change in blood sugar/no rapid spikes/stable level  They provide low but continuous supply of energy/sustained energy  Feeling of fullness  Does not stimulate the pancreas to produce too much insulin  Weight control (Any 3 x 1) (3) 3.1.3 Hormone Insulin (1) Copyright reserved Please turn over

Downloaded from hlayiso.com 6 CONSUMER STUDIES (SEPTEMBER 2014) 3.1.4 Differentiate diabetes Criteria Type 1 Type 2 Role of the Damaged/unable to Does not make enough pancreas make insulin (1) insulin. Unable to use the insulin/does not work properly. (1) Contributing Weight loss  Overweight/Obese symptoms  Thirst  High cholesterol  Hunger  High blood pressure  Need to urinate  Insulin resistance (2) often  Low energy levels  Digestive problems (2) Treatment and  Insulin injections  Maintain ideal body management  Check blood weight glucose level  Weight loss regularly  Active lifestyle  Sufficient exercise  Medication(oral/insulin)  Diabetic diet/low  Minimum of 3 meals GI daily  Do not skip meals  Low GI diet (2)  High fibre diet  Low fat diet/oily fish  Reduce protein  Not smoking  Control blood pressure  Control blood cholesterol  5 portions fruit and vegetables daily  Low sugar  Low salt  Low alcohol or not at all (2) (10) 3.1.5 THREE guidelines – food allergies  Avoid the food that causes the allergy.  Watch out for products that may contain that food.  Study food labels to check the presence of that ingredient.  Substitute the food with foods that will not cause allergies.  Take safe food with you when travelling.  Inform the waiting staff at restaurants about the allergy.  Ask about ingredients in dishes when eating out.  Carry medication with you.  Have a balanced diet with adequate intake of all nutrients. (Any 3 x 1) (3) Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 7 3.1.6 TWO suitable foods  Rice  Samp (Note: Meat and cheese not carbohydrates = no marks) (2) 3.1.7 Artherosclerosis  The clogging/narrowing/thickening of arteries  due to a build-up of cholesterol/fatty deposits  that leads to the blocking of blood flow/oxygen to the heart  results in heart disease./attack  Blood flow can also be blocked to the brain, kidney, arms and legs (Any 2) (2) 3.2 Sports drink label 3.2.1 Maltodextrin and fructose (2) 3.2.2  Whey protein isolate  Vitamin C  Vitamin E (3) 3.2.3 They are natural. Persons who are sensitive to certain chemical additives benefit. (2) 3.2.4 Citric acid √ Prolong the shelf life of food by protecting/prohibit/retard/slow down/prevent the growth of micro-organisms which would otherwise cause food spoilage/poisoning. (1 + Any 1) (2) 3.2.5  Information on allergens is given.  Allergens is stated close to the ingredient list.  Ingredients given in order of mass from the greatest to smallest or descending order of mass.  Additives are listed.  Ingredient as a flavour has been indicated (turmeric, fruit and vegetables). (Any 2 x 1) (2) Copyright reserved Please turn over

Downloaded from hlayiso.com 8 CONSUMER STUDIES (SEPTEMBER 2014) 3.3 Differentiate Genetically modified foods Organically grown foods  Food can be used as an edible  No artificial chemicals, pesticides vaccine. so no toxins to harm our immune  Food may have more nutritional system/health value than conventional grown  no runoff of poisonous chemicals crops. so no polluted water to endanger  No data to prove these foods are health harmless/cause problems/are a  Optimal functioning of people in risk to human health – the ecosystem  such as toxicity of foods and  No preservatives used: therefore allergens. it is better for persons sensitive to  Long term safety is questioned. preservatives  How the changes effect animals  Read the labels for products to and how these changes will be which too much salt and sugar transmitted to humans by the have been added (Any 3) food they eat.  Consumers accept maize, cotton and soya as safe for human consumption. (Any 3) (6) [40] Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 9 QUESTION 4: CLOTHING 4.1 4.1.1 Fashion style and elaborate Retrospective/retro/vintage/reproduction √  The style never comes back exactly the same; as it has been adapted to suit the needs of today.  Also a high waisted bottom but the fabric would be a more advanced technology wise.  If it is made from recycled fabric it will appeal to those who want to help the environment.  The style is a copy of the older/past one. (1 + Any 1) (2) 4.1.2 Last stage of fashion cycle and discuss Decline/obsolescence √  A new fashion trend has begun.  Interest in the fashion is waning.  Fewer and fewer wear it.  Fashion will be obsolete.  It is not fashionable anymore. (1 + Any 2) (3) 4.2 Appearance in the workplace 4.2.1 Advice for magazine article (6) Posture  The way you move will send out a message about you to your employer, co-workers, clients etc.  Walk tall, sit up straight/walk confidently. (2) Personal hygiene  Hands, hair, feet, nails should be clean/nails manicured/hair neat. (2) Company dress code  Comply with the dress code to be accepted by colleagues.  How you dress will reflect and symbolise your values.  Present a positive image.  Fosters public confidence.  You can do your own research if you feel unsure about the way to dress.  Take your cue from the job interviewer.  Watch workers arrive and leave for work. (2) (2 + 2 + 2) (6) 4.2.2 Young adults – contemporary fashion  More people with money available to spend on fashion/now can afford some fashionable items.  Will stimulate/flourish the fashion industry. (2) Copyright reserved Please turn over

Downloaded from hlayiso.com 10 CONSUMER STUDIES (SEPTEMBER 2014) 4.2.3 Wardrobe planning Advice for each item Item 1  This will serve you a number of years.  Classic will match most of your clothes. (Any 1) (1) Item 2  It is then suitable for every day and special occasions.  Do not choose an ‘over the top’ decoration that limits you.  The decorative could just be in the buttons  One cardigan can be in the fashion colour of the season. (Any 1) (1) Item 3  Plain shirt can match all bottoms and jackets.  The cut should flatter the body shape.  Invest in good quality.  Even though plain the colour should flatter your complexion.  The plain shirt can be bright.  If you choose a shirt with lustre it can be suitable for special occasions. (Any 1) (1) Item 4  Neutral colours can mix and match (grey, white, black) and even a basic colour like navy blue. (Any 1) (1) Item 5  To look smart for work. Can be dressed down for smart-casual occasions.  A classic cut suits all figure types. (Any 1) (1) 4.2.4 Adapting item for winter Item 4  Can be worn under the cardigan/jacket/long-sleeved top √ Item 5  Classic styles will be long enough to wear with boots  Choose 1 pair in a fabric suited to all seasons  Choose 1 pair in a winter-weight fabric. (1 + Any 1) (2) [20] Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 11 QUESTION 5: HOUSING 5.1 5.1.1 Contracts and parties Advert 1: Renting Lease: √ Landlord/lessor √ and tenant/lessee √ Advert 2: Buying Deed of sale: √ Seller √ and buyer √ (6) 5.1.2 Another option for acquisition of housing Building (1) 5.2 Refer to Advert 1 5.2.1 Clauses for a lease applicable to financial responsibility  The tenant shall pay one month’s rental amount in the form of a deposit.  The amount of R 4 900,00 monthly rental on the first of each month.  This amount does not include water and electricity. (Any 2) (2) (Note: Must be written as a clause. They cannot just list.) The deposit amount can be different to the answer as long as they get an amount. Does not have to say 1st of each month. Can give another day. (Amount must be correct.) 5.2.2 Disadvantages of renting  You are not the legal owner  Payments each month go to landlord so you do not benefit in the long run  Not your asset that increases in value and so create wealth  If you spend money on improvements you may not get it back  Any improvements must get approval from the landlord  The landlord may terminate your contract.  Cannot use premises as surety for a loan  Cannot sell the unit  Rent will go up each year (Any 3) (3) 5.3 Refer to Advert 2 5.3.1 Full-title ownership The person is the legal owner of the entire property; /the land and the structure on it. (2) Copyright reserved Please turn over

Downloaded from hlayiso.com 12 CONSUMER STUDIES (SEPTEMBER 2014) 5.3.2 Contractual responsibilities of sectional title as they differ from full-title ownership  A monthly levy is paid to cover the costs of running the complex.  Each owner is a member of the body corporate which must control, manage and administer the block.  Owners are responsible for the election of the trustees.  The common property is owned jointly by each owner in the complex. (Any 2) (2) 5.3.3 Amenities examples  Tennis courts  Swimming pool  Shops  Library (Any 2 suitable) (2) 5.3.4 Promote geyser Solar powered geyser Saves money (2) 5.4 Advantages of sectional title that differ from full-title ownership  Provides greater security.  Save on maintaining a large property.  You can enjoy the facilities of the common property without having to take on full responsibility of maintaining them e.g. a pool.  Fewer responsibilities as body corporate manage the block/complex.  Protected interests by the Sectional Title Act.  Benefit from shared responsibility of maintenance. (Any 3) (3) 5.5 Document before house purchase Offer to purchase (1) 5.6 Types of insurance and explanation Homeowners Covers the structure against fire/flooding Household To insure house contents e.g. furniture/equipment from theft Mortgage protection Bond is paid off of bond owner dies (Any 2 insurances and discussion of each) (4) Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 13 5.7 Process of transfer The ownership of the property is transferred into the new owner’s home from seller to buyer. Once the registrar of deeds signs the deed of transfer it is called the title deed and the buyer becomes the legal owner. A government tax levied on the transfer a home to your name. Transfer duty is a tax amount is based on the value of the property. Transfer fees are paid to the collected by the Receiver of revenue and the attorney who oversees the transfer process of the property. (Use of 4 words used in the correct context.) (4 x 2) (8) 5.8 Universal design Slide swing door for easy access This door makes the appliance more useful to people with disabilities/ √ easy to use. √ Child lock button to avoid accidents The child lock focuses on safety. √ (4) [40] QUESTION 6: ENTREPRENEURSHIP 6.1 6.1.1 Human skills  Creativity, workers (help), computer skills (knowledge of computer)  Technical skills (she can make the product)  People skills (employing another)  Motivation (Any 3) (3) 6.1.2 Choosing a product  Work space/she had a back room  Availability of raw material (paper)  Consumer appeal (decorated ribbons/boxes) (Any 2) (2) 6.1.3 Appropriate for target market  Vintage style  Recycled paper  Biodegradable packaging  Individual/different to any other  Available on the market (Any 3) (3) Copyright reserved Please turn over

Downloaded from hlayiso.com 14 CONSUMER STUDIES (SEPTEMBER 2014) 6.1.4 Good customers relations  Meet the needs of the customer  Make them feel important/enjoy doing business with you  Get feedback from customers  Give customers clear information  Fulfil your promises  Attend to complaints promptly  Be courteous  Write down complaints for future reference  Return calls  Train your family/employees in customer service who may have contact with customers. (3 x 2) (6) 6.1.5 Sustainable production  She meets the needs of consumers  She uses recyclable paper to make her product/ environmentally aware  Saving resources/manufacturing eco-friendly products/ biodegradable (3) 6.1.6 Trade name  To identify the product  To vocalise the product  To create an idea of what customers should expect  If accompanied by a slogan it should capture the customers’ interest  If used as a trademark, the product is easily recognisable  Legal protection of competitors using her name (Any 3) (3) 6.1.7 Requirements of packaging  Catch eye of consumer/attract/appealing  Stand out from other similar products  Suitable material for cards, tags  Suitable shape  Easy to place on shelves for all retailers/stacking/display  Convenient size  Convenient for distribution and handling (3) 6.2 6.2.1 Start-up costs  Storage facility  Electricity  Equipment (computer, internet, printer, ink)  Materials (paper, ribbons)  Facilities for administration (fax machine, cellphone, telephone)  Vehicle  Petrol  Specific examples in brackets can be marked separately. (Note: Not labour – she had not employed help when she started this business) (Any 3) (3) Copyright reserved Please turn over

Downloaded from hlayiso.com (SEPTEMBER 2014) CONSUMER STUDIES 15 6.2.2 Renting and effects on costs  She would have to pay rent.  Will receive a monthly bill from the municipality for electricity/water  Travelling costs will increase to and from the workplace. (Any 2) (2) 6.2.3 Production costs of one unit Materials R427,00 + overheads R533,00 = R960,00 R960 ÷ 16 = R60 for one packet (3) 6.2.4 Selling Price R17,50 x 70% = R12,25 R17,50 + R 12,25 = R29,75 (2) 6.2.5 Best-sales scenario Profit per day R1 580 x 20 days = R31 600 √ (1) 6.2.6 Worse-sales … production cost Cost of materials etc. R700,00 ÷ 2 = R350,00 √ Labour R640,00 ÷ 2 = R320,00 Overheads R24,00 R910,00 R910,00 x 20 days = R1 820,00 (4) [40] TOTAL: 200 Copyright reserved Please turn over

(SEPTEMBER 2014) VERBRUIKERSTUDIES 15 6.2.2 Huur en ander effek op die koste  Sy sal huur moet betaal.  Sal maandeliks ʼn rekening van die munisipaliteit ontvang vir elektrisiteit en water  Vervoerkoste sal verhoog van en na werkplek (Enige 2) (2) 6.2.3 Produksiekoste van ʼn eenheid Grondstowwe R427,00 + Oorhoofse koste R533,00 = R960,00 R960 ÷ 16 = R60 vir 1 pakkie (3) 6.2.4 Verkoopprys R17,50 x 70% = R12,25 R17,50 + R 12,25 = R 29,75 (2) 6.2.5 Beste verkoop-scenario Wins vir een dag R1 580 x 20 dae = R31 600 √ (1) 6.2.6 Slegste verkoop-scenario Koste van grondstowwe R700,00 ÷ 2 = R350,00 √ Arbeid R640,00 ÷ 2 = R320,00 Oorhoofse koste R24,00 R910,00 R910,00 x 20 dae = R1 820,00 (4) [40] TOTAAL: 200 Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

14 VERBRUIKERSTUDIES (SEPTEMBER 2014) 6.1.4 Goeie klanteverhoudings  Om te voorsien in die behoeftes van die klante  Laat hulle belangrik voel/geniet dit om besigheid met hulle te doen  Kry terugvoering van klante  Gee klante duidelike inligting  Kom jou beloftes na  Ondersoek klagtes onmiddellik  Wees hoflik  Skryf klagtes neer vir toekomstige verwysings  Skakel terug  Lei enige familie/werknemers op in kliëntediens wat in kontak met kliënte kom. (3 x 2) (6) 6.1.5 Volhoubare produksie  Sy voldoen aan die kliënte se behoeftes  Sy gebruik herwinde papier om produkte te maak/omgewings/bewus  Spaar hulpmiddels/vervaardig eko-vriendelike produkte /bioafbreekbaar (3) 6.1.6 Handelsname  Om die produk te identifiseer  Om die produk sigbaar te maak  Om die idee te skep wat klante kan verwag  As dit tesame met ʼn slagspreuk gebruik word, sal dit kliënte se belangstelling wek.  Maklik herken word as dit as handelsmerk gebruik word  Wetlike beskerming teen die gebruik van die naam deur mededingers (Enige 3) (3) 6.1.7 Vereistes vir verpakking  Onmiddellik die aandag trek/oog vang/aanloklik  Uitstaan tussen soortgelyke produkte  Geskikte materiaal vir kaarte en ‘hegplaatjies’  Geskikte vorm  Maklik om op die rak te plaas vir alle winkels/vertoon/pak  Gerieflike grootte  Gerieflik vir verspreiding en hantering (Enige 3) (3) 6.2 6.2.1 Aanvangskoste  Stoorfasiliteite  Elektrisiteit  Toerusting (rekenaar, internet, drukker, ink)  Grondstowwe (papier, lint)  Fasiliteite vir administrasie (faksmasjien, selfoon, telefoon)  Motor  Petrol  Spesifieke voorbeelde (tussen hakkies kan apart gemerk word). (LW: Nie arbeid nie – Sy het nie werkers aan die begin aangestel nie.) (Enige 3) (3) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 13 5.7 Proses van oordrag Eienaarskap van eiendom word oorgedra na die nuwe eienaar van verkoper na koper. Wanneer die registrasie van die huis oorgedra word dit die titelakte genoem en die koper word die wettige eienaar. Oordragskoste word aan die regering betaal. Oordragskoste word aan SARS betaal en aan die prokureur wat die oordrag proses van die eiendom beharting oor die transaksie. (Gebruik 4 woorde in die regte konteks.) (4 x 2) (8) 5.8 Universele ontwerp Skuifdeur – maklike toegang Maklike toegang vir mense met gebreke. √ Kinderslot – om ongelukke te voorkom Kinderslot fokus op veiligheid. √ (4) [40] VRAAG 6: ENTREPRENEURSKAP 6.1 6.1.1 Menslike vaardighede  Kreatiwiteit, werkers (help), rekenaarvaardighede (kennis van die rekenaar)  Tegniese vaardighede (sy kan produk maak)  Om ander mense werk te gee  Motivering (Enige 3) (3) 6.1.2 Kies ʼn regte produk  Werkspasie het ʼn agterkamer  Beskikbaarheid van grondstof (papier)  Verbruiker voorkoms (versier met linte/dose) (Enige 2) (2) 6.1.3 Geskikte teikenmark  Outydse styl  Herwinbare papier  Bio-afbreekbare verpaking  Individueel/verskillend van mekaar  Beskikbaar in die mark (Enige 3) (3) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

12 VERBRUIKERSTUDIES (SEPTEMBER 2014) 5.3.2 Kontraktuele verantwoordelikhede van deeltitel verskil van die voltitel-eienaarskap  Die maandelikse heffing word gebruik om die lopende koste te dek vir die kompleks.  Elke eienaar is deel van die beheerliggaam wat beheer, bestuur en die administrasie van die liggaam behartig.  Eienaars is verantwoordelik vir die verkiesing van die trustees.  Die gemeenskaplike eiendom behoort gesamentlik aan elke eienaar in die kompleks. (Enige 2) (2) 5.3.3 Voorbeelde  Tennisbane  Swembad  Winkels  Biblioteek (Enige aanvaarbare 2) (2) 5.3.4 Voordele verhittingstelsel  Sonverhittingstelsel  Spaar geld (2) 5.4 Voordele van deeltitel en wat verskil van voltitel-eienaarskap  Voorsien beter sekuriteit.  Spaar op die instandhouding van die eiendom.  Kan al die fasiliteite in die gemeenskaplike eiendom gebruik sonder om die volle verantwoordelikhede te dra byvoorbeeld ʼn swembad.  Minder verantwoordelikhede as die beheerliggaam die kompleks beheer.  Word beskerm deur die Titelakte-wetgewing.  Trek voordeel uit verdeling van die verantwoordelikhede van instandhouding wat gedeel word. (Enige 3) (3) 5.5 Dokument voordat die huis verkoop word Koopaanbod-ooreenkoms (1) 5.6 Tipe versekering en verduideliking Huiseienaar Beskerm die struktuur teen brande en oorstromings Huisinhoudsversekering Om die inhoud van huis (meubels en apparaat, ens.) teen diefstal te beskerm Verbandbeskerming versekering Verband is opbetaald as die persoon tot sterwe kom. (Enige 2 versekerings en bespreking van elk) (4) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 11 VRAAG 5: BEHUISING 5.1 5.1.1 Kontrakte en partye Advertensie 1: Huur Huur: √ huurder √ en verhuurder √ Advertensie 2: Koop Aanbod-om-te-koop ooreenkoms: √ Koper √ en verkoper √ (6) 5.1.2 Ander opsie Bou (1) 5.2 Verwys na Advertensie 1 5.2.1 Klousule vir huur – finansiële verantwoordelikhede  Die huurder sal een maand se huurgeld in die vorm van ʼn deposito betaal.  Die bedrag van R4 900,00 sal maandeliks as huurgeld betaal word op die eerste van elke maand. Die bedrag sluit nie water en elektrisiteit in nie.  (Enige 2) (2) (Let WEL: Moet in die vorm van ʼn klousule geskryf wees. Moenie net noem nie.) Die deposito kan op verskillende maniere en verskillende bedrae wees. Hoef nie op die 1ste betaalbaar wees van elke maand nie. Kan ʼn ander dag gee. (Bedrag moet korrek wees.) 5.2.2 Nadele van huur  Jy word nie die wettige eienaar nie  Paaiemente gaan elke maand na die huiseienaar en jy trek geen langtermyn voordeel nie  Jy skep nie welvaart in die vorm van ʼn bate wat in waarde toeneem nie  Geld wat jy aan veranderinge of verbeterings spandeer sal dalk nie terugbetaal word nie  Die huiseienaar moet enige veranderinge wat jy aan die eenhede wil maak, goedkeur  Die huiseienaar kan jou kontrak beëindig  Jy kan nie eenheid as sekuriteit van ʼn banklening gebruik nie  Jy kan nie die eenheid verkoop nie  Die huur sal jaarliks verhoog word (Enige 3) (3) 5.3 Verwys na advertensie 2 5.3.1 Voltitel-eienaarskap Die persoon is die wettige eienaar van die hele eiendom/land en struktuur. (2) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

10 VERBRUIKERSTUDIES (SEPTEMBER 2014) 4.2.3 Klerekasbeplanning Raad vir elke item Item 1  Dit sal ʼn aantal jare dien.  Klassiek sal dit by meeste van jou klere pas. (Enige 1) (1) Item 2  Dit is geskik vir elke dag en spesiale geleenthede.  Moenie buitensporige versierings kies nie, want dit beperk jou.  Die versierings kan slegs net knope wees.  Een knooptrui kan in ʼn modekleur van die seisoen wees. (Enige 1) (1) Item 3  Eenvoudige hemp wat pas by alle baadjies en broeke.  Die snit sal jou maerder laat lyk en by jou liggaamsvorm pas.  Belê in goeie kwaliteit.  Alhoewel eenvoudig behoort die kleur by jou velkleur te pas.  Die eenvoudige hemp kan helder wees.  As jy ʼn hemp kies wat ʼn blinkerige voorkoms het, ken dit geskik vir spesiale geleenthede wees. (Enige 1) (1) Item 4  Neutrale kleure sal meng en pas (grys, wit, swart) en ook ʼn basiese kleur soos blou. (Enige 1) (1) Item 5  Om goed te lyk by die werk. Kan kleure afskaal vir meer nie-formele geleenthede.  ʼn Klassieke styl wat by alle figuurtipes pas. (Enige 1) (1) 4.2.4 Aanpassing van items vir die winter Item 4  Kan met ʼn knooptrui/baadjie en langmouhemp gedra word √ Item 5  Klassieke style sal te lank wees om met stewels te dra.  Kies 1 paar kleedstof wat by alle seisoene pas.  Kies 1 paar winter geweefde kleedstof. (1 + Enige1) (2) [20] Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 9 VRAAG 4: KLEDING 4.1 4.1.1 Modestyle en verduideliking Retrospektiewe/retro/vintage/reproduksie √  Dit is ʼn styl wat nooit weer dieselfde voorkom nie; dit word aangepas om by die behoeftes van vandag te pas.  Verhoogde middellyf maar die kleedstof sal meer tegnologies gevorderd wees.  As dit van herwinbare kleedstof word, sal dit byval vind by omgewingsbewustes.  Die styl is ʼn nabootsing van die vorige (oue). (1 + Enige 1) (2) 4.1.2 Laaste stadium van die modesiklus en bespreek Veroudering √  ʼn Nuwe modeneiging begin  Belangstelling in die mode is besig om the kwyn/verdwyn.  Minder mense dra dit.  Mode raak verouderd.  Dit is uit die mode. (1 + Enige 2) (3) 4.2 Voorkoms in die werkplek 4.2.1 Advies vir tydskrifartikel (6) Postuur  Die manier hoe jy beweeg stuur ʼn boodskap uit oor jouself, jou werkgewer, werkers kliënte, ens. Loop regop, sit regop en loop met vertroue  (2) Persoonlike higiëne  Hande, hare, naels, voete moet skoon wees, naels moet versorg en hare moet netjies wees. (2) Maatskappy-gedragskode  Voldoen aan die gedragskodes sodat jy aanvaar kan word deur jou kollegas.  Hoe jy aantrek reflekteer en simboliseer jou waardes  Skep ʼn positiewe beeld  Kweek publiek se vertroue  Jy kan jou eie navorsing doen indien jy onseker is oor hoe om aan te trek  Volg die voorbeeld wat in die werksonderhoud verwag word.  Sien hoe die werkers opdaag en hoe hulle verdaag. (2) (2 + 2 + 2) (6) 4.2.2 Jong volwassene – kontemporêre mode  Meer mense het meer geld om op modes te spandeer/Nou kan jy meer modieuse klere koop.  Sal die mode-industrie stimuleer/laat floreer. (2) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

8 VERBRUIKERSTUDIES (SEPTEMBER 2014) 3.3 Verskille Geneties gemodifiseerde Organies geproduseerde voedsels voedsels  Voedsel kan gebruik word as ʼn  Geen kunsmatige chemikalieë, eetbare entstof plaagdoders, geen toksiene wat  Voedsel mag meer die immuunstelsel/gesondheid voedingswaarde hê as benadeel nie. konvensionele gewasse.  Die afloop van giftige  Geen data om te bewys of die chemikalieë/so geen besoedelde voedsel skadeloos/probleme water wat ʼn gevaar inhou vir veroorsaak wat ʼn risiko is vir gesondheid. menslike gesondheid –  Optimale funksionering van  soos toksiene en allergene mense in die ekosisteem.  Langtermyn veiligheid word  Geen preserveermiddels word bevraagteken gebruik; daarom is dit beter vir ʼn  Hoe die veranderinge ʼn effek op persoon wat sensitief is vir diere en hoe die veranderinge en preserveermiddels. oordrag mense affekteer wat dit  Lees die etikette om te sien by eet. watter produkte te veel suiker en  Verbruikers aanvaar mielies, sout bygevoeg is. (Enige 3) katoen en soja as veilig vir verbruiker. (Enige 3) (6) [40] Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 7 3.1.6 Twee geskikte voedsels  Rys  Stampmielies (Nota: Vleis en kaas is nie koolhidrate nie – geen punte) (2) 3.1.7 Term arteriosklerose  Die vernouing/verdikking/verharding van die are.  as gevolg van die opbou van cholesterol/vet-neerslae  wat lei tot die verstopping van die bloedvloei/suurstof na die hart  wat aanleiding gee tot ʼn hartaanval.  Bloedvloei na die van die brein, niere, arms en bene kan blokkeer word. (Enige 2) (2) 3.2 Sportdrank etiket 3.2.1 Maltodekstrien en fruktose (2) 3.2.2  Wei proteïene isolaat  Vitamien C  Vitamien E (3) 3.2.3 Hulle is natuurlik Mense wat sensitief is vir sekere chemiese additiewe trek voordeel. (2) 3.2.4 Sitroensuur √ Verleng die raklewe van voedsel deur beskerming/vermy/ vertraag/verlaag/voorkom die groei van mikroörganismes wat voedsel bederf/vergiftiging voorkom. (1 + Enige 1) (2) 3.2.5  Inligting oor die allergene te gee.  Allergene word altyd na-aan die bestanddele-lys gegee.  Bestanddele word gegee in volgorde van die grootste tot die kleinste of in orde van massa.  Additiewe word gelys.  Bestanddele vir smaak word aangedui (borrie, vrugte en groente) (Enige 2 x 1) (2) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

6 VERBRUIKERSTUDIES (SEPTEMBER 2014) 3.1.4 Verskillende diabetes Kriteria Tipe 1 Tipe 2 Rol van die Beskadig/kan nie Maak nie genoeg insulien nie. pankreas insulien vervaardig Kan nie die insulien gebruik nie (1) nie. Werk nie reg nie. (1) Bydraende  Gewigsverlies  Oorgewig/vetsug simptome  Dors  Hoë cholesterol  Honger  Hoë bloeddruk  Urineer meer  Insulien weerstand (2) gereeld  Lae energievlakke  Verterings- probleme (2) Behandeling  Insulien  Beheer ideale en beheer inspuitings liggaamsgewig  Kontroleer  Gewigsverlies bloedglukosevlak  Aktiewe lewenstyl ke gereeld  Medikasie/mond/ insulien  Voldoende  Minimum 3 maaltye per dag oefening  Lae GI dieet  Diabetiese  Hoë veseldieet dieet/Lae GI  Lae vet dieet/ olierige vis  Moenie maaltye  Verminder proteïene oorslaan nie (2)  Nie rook nie  Beheer bloeddruk  Beheer bloedcholesterol  5 porsies vrugte en groente daagliks  Lae suiker  Lae sout  Lae alkohol of geen (2) (10) 3.1.5 Drie riglyne – voedselallergieë  Vermy al die voedsel wat allergieë veroorsaak.  Kyk uit vir allergene wat moontlik in die voedsel is.  Bestudeer die voedseletikette om te bepaal of die bestandeel teenwoordig is.  Kyk of die allergene nie moontlik daarin verskyn nie.  Vervang die voedsel met voedsel wat nie allergieë sal veroorsaak nie.  Neem veilige voedsel saam wanneer op reis gaan.  Lig die kelners by restaurante in, in verband met allergieë.  In ʼn restaurant – vra oor die bestanddele in ʼn gereg.  Hou medikasie by jou.  Eet ʼn gebalanseerde maaltyd met voldoende nutriënte. (Enige 3 x 1) (3) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 5 2.5.2 Voordele  Brand skoon, anders as fossielbrandstowwe soos steenkool en olie.  Goedkoop/bekostigbaar.  Die regering reguleer die verkoopprys van gas met ʼn maksimum prys wat handelaars dit voor kan verkoop, daarom is dit meer bekostigbaar vir die laer inkomstegroepe.  Pryse van elektrisiteit styg gedurig/goedkoper as elektrisiteit.  Meer omgewingvriendelik en dit produseer minder koolstofuitlaatgasse.  Kan veilig gestoor word.  Huishoudings wat gas gebruik word nie geaffekteer deur beurtkrag nie.  Vir kookdoeleindes – jy betaal slegs vir wat jy gebruik. Met elektrisiteit betaal jy vir die tyd wat die stoof warm word.  Gas waterverwarmers – warm water vloei reguit in die kraan; so dit is meer energiedoeltreffend en kostedoeltreffend. (Enige 4 x 1) (4) [20] VRAAG 3: VOEDSEL EN VOEDING 3.1 3.1.1 GI-indeks  Die GI-indeks meet met hoeveel ʼn voedselsoort wat koolhidrate bevat die glukosevlak in die bloed laat styg.  Gebaseer op hoe vinnig en hoe die bloedsuikervlakke styg.  Dit wissel op ʼn skaal van 1 tot 100.  Die skaal reflekteer laag (1 tot 55) stadig/matige vrystelling/ stabiele verhoging in die bloedglukose en hoog (bo 70) vinnige vrystelling, vinnige styging van bloedglukosevlakke.  Die spoed waarteen koolhidrate vrygestel word as glukose in die bloedstroom. (Enige 2 x 1) (2) 3.1.2 GI optimum gesondheid  Verteer stadiger/word stadiger vrygestel/matig  Matige verandering in bloedsuiker/geen vinnige pieke nie/stabiele vlak  Voorsien ʼn lae maar aanhoudende vervoer van energie/behou energie  Gee ʼn gevoel van versadigdheid  Stimuleer nie die pankreas om te veel insulien te produseer nie  Beheer gewig (Enige 3 x 1) (3) 3.1.3 Hormoon Insulien (1) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

4 VERBRUIKERSTUDIES (SEPTEMBER 2014) 2.3 Wanneer sal ʼn stokvelskema onwettig wees?  Dit is onwettig wanneer die spaarskema op ʼn piramideskema gebaseer is.  Die inisieerders kry nog mense by om geld te belê en hulle betrek nog meer mense. Die oorspronklike lede kry ʼn fooi van elke persoon wat ledegeld betaal en die persone wat heel laaste in die skema belê, verloor finansieel die meeste. (Enige 2) (2) 2.4 Impak van inflasie Impak op koopkapasiteit  Inflasie verminder die koopkrag van geld.  Inflasie verhoog die pryse van goedere en dienste / pryse styg gedurig.  Jy kan minder koop met dieselfde hoeveelheid geld.  Verminder die koopkrag van spaar. Dit affekteer die bejaardes.  Daar is ʼn geringe afname in die lewensstandaard. (Enige 2 x 1) VPI en die verband met inflasie  Die VPI is ʼn maatstaf wat help om die verhoging in pryse te bepaal.  Dit is gekoppel aan inflasie en VPI hou tred met die verandering in koste oor die jaar/die pryse in ʼn groep (mandjie) van produkte en dienste wat die verandering in pryse van goedere en dienste aandui.  Die gemiddelde prysverandering met die berekening van die VPI.  VPI word uitgedruk as ʼn die persentasie en as ʼn maatstaf van die inflasiekoers.  Inflasiekoers is die jaarlikse presentasie-veranderinge in die VPI. (Enige 2 x 1) Nuwe ontwikkelings  Die weeg van produkte om die VPI te bereken het verander en was in 2013 ingestel.  Produkte wat vir huishoudelike doeleindes gebruik word, word geweeg want dié produkte beïnvloed die meeste huishoudings meer. OF  Die mandjie sal die verskil tussen klein en groot dorpe in elke provinsie in aanmerking neem. (Enige 2 x 1) (6) 2.5 2.5.1 VPG Vloeibare petroleumgas √ (1) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

(SEPTEMBER 2014) VERBRUIKERSTUDIES 3 1.4 A, C, D, E √√√√ (4) 1.5 B, D, E √√√ (3) 1.6 A, C, F √√√ (3) 1.7 1.7.1 standaardisasie √ (1) 1.7.2 bemarkingsplan √ (1) 1.7.3 laer √ (1) 1.7.4 beeld √ (1) [40] VRAAG 2: DIE VERBRUIKER 2.1 2.1.1 Afkoeltydperk  ʼn Afkoeltydperk is die hoeveelheid tyd wat die wet vir ʼn verbruiker gee nadat hy die kontrak/transaksie geteken het om die transaksie te kanselleer.  Die verbruiker het 5 werksdae om die kontrak te kanselleer wanneer goedere deur direkte bemarking (transaksies wat die verbruiker nie begin het nie) insluitende via SMS en e-posse aangekoop is.  Nie nodig om ʼn rede te verskaf nie.  Geen boete mag gehef word nie.  ʼn Verband of paaiemente-kontrak mag gekanselleer word as die kontrak voltrek was by ʼn plek ander as die sakeperseel van die kredietverskaffer.  Die verkoper moet die koopprys van die goedere binne 7 besigheidsdae/15 dae van kennisgewing ontvang teruggee. (Enige 3 x 1) (3) 2.1.2 Verskil tussen waarborg en garansie (geld terug waarborg)  Waarborg – is ʼn geskrewe belofte om ʼn item te vervang of herstel sonder betaling, as die item breek of nie werk nie/voldoen aan waarborgbepalings tydens die gegewe tydperk nie.  Dit is nie van toepassing op gewone slytasie nie.  Garansie – Is ʼn skriftelike belofte dat die gehalte en duursaamheid van ʼn produk aan sekere standaarde sal voldoen vir ʼn sekere lengte van tyd.  Geld word terugbetaal as die produk/diens nie voldoen aan die terme van die garansie nie. (2) 2.2 Wat is die doel van uitvissingsbedrog (‘phishing’)?  Om geld van ʼn niksvermoedende verbruiker te steel.  Om persoonlike en finansiële inligting van verbruikers te kry.  Om jou te mislei, gebruik hulle valse e-posse, oproepe of webtuistes. (Enige 2 x 1) (2) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

2 VERBRUIKERSTUDIES (SEPTEMBER 2014) VRAAG 1: KORTVRAE 1.1 1.1.1 A√ (1) 1.1.2 C√ (1) 1.1.3 C√ (1) 1.1.4 B√ (1) 1.1.5 D√ (1) 1.1.6 C√ (1) 1.1.7 A√ (1) 1.1.8 B√ (1) 1.1.9 D√ (1) 1.1.10 A√ (1) 1.1.11 C√ (1) 1.1.12 B√ (1) 1.1.13 D√ (1) 1.1.14 A√ (1) 1.1.15 B√ (1) 1.1.16 D√ (1) 1.1.17 C√ (1) 1.1.18 A√ (1) 1.2 1.2.1 B√ (1) 1.2.2 C√ (1) 1.2.3 F√ (1) 1.2.4 A√ (1) 1.3 1.3.1 E√ (1) 1.3.2 D√ (1) 1.3.3 B√ (1) 1.3.4 A√ (1) Kopiereg voorbehou Blaai om asseblief Downloaded from hlayiso.com

NASIONALE SENIOR SERTIFIKAAT GRAAD 12 SEPTEMBER 2014 VERBRUIKERSTUDIES MEMORANDUM PUNTE: 200 Hierdie memorandum bestaan uit 15 bladsye. Downloaded from hlayiso.com