Lesson Six - Buffaloschools

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lesson sixusing banking servicesteacher’s guide

using banking servicesweb sitesweb sites for banking servicesThe Internet is probably the most extensive and dynamic source of informationin our society. The following Web sites can provide students and others withcurrent information, assistance, and data related to this lesson. Web addressesending in “.com” are commercial sites; “.org” are non-profit sites; and “.gov” aregovernment sites.American Bankers Associationwww.aba.comAmerican Savings Education Council www.asec.orgBoard of Governors of theFederal Reserve SystemCurrent Rates forSavings InstrumentsFederal Deposit .comwww.bankrate.com/ust/rate/dep home.aspwww.bankrate.com/brm/rate/ira home.aspwww.fdic.govTreasury Securities andSavings BondsU.S. Savings Bonds htmlwww.publicdebt.treas.gov/sav/sav.htmNote: Addresses and content of Web sites change, and new sites are created daily. Use searchengines such as Yahoo, Google, AltaVista, Infoseek, Lycos, or Hotbot, to update and locate Websites related to this topic.www.practicalmoneyskills.com using banking servicesteacher’s guide

using banking serviceslesson outlinelesson 6 overview“Where is the safest place to keep my money?” “If I put all my money in savings, how will I be ableto purchase an item or pay a bill?While most students know that banks offer savings and checking services, few understand how tomake the best use of them. As electronic banking services expand, awareness of benefits and costsmust expand.Lesson 6 begins with an introduction to how banks operate. Students are then familiarized with thevocabulary that helps them understand the variety of bank services. They also examine recentelectronic banking options, including debit or check cards.Next, students learn to complete several of the forms necessary for opening and maintaining a bankaccount. They will practice completing these forms in a step-by-step manner.Finally, students use basic mathematics skills to keep a running record of their bank accounts and toreconcile their monthly bank statements.lesson 6 student performance goal: The student will increase his or her understanding of the services offered by banks and performa variety of banking tasks.lesson 6 objectives: The student will 6-1recognize financial services that banks offer.6-2complete a variety of banking forms (signature authorization form, deposit form, check).6-3demonstrate skills needed to maintain a checking or debit account (maintain a check register,interpret an account statement, reconcile a checking account).www.practicalmoneyskills.com using banking servicesteacher’s guide

using banking servicesteaching notes6-1 The student will recognize financial services thatbanks offer.what services do banks offer? Explain how a bank works and how it helpspeople manage their money. Define a creditunion and how it compares to a bank.Define and discuss banking terms (overhead 61a).Discuss the advantages of keeping money in asavings account, rather than keeping it at home ina piggy bank. Explain to students how theirmoney can grow by earning interest. Defineannual interest as the money a bank pays itsdepositors for the use of their money, expressed asa percentage rate for a one-year period of time.Help students calculate simple interest for asavings account.List as many banking services as students canthink of. Have students share what they knowabout these services.Discuss checking accounts. Tell students thatthere are a variety of considerations and optionsavailable when choosing a checking account(overhead 6-1b). Discuss some of theresponsibilities of being a checking accountcustomer, as well as consequences of not actingresponsibly.Discuss debit cards. Provide advantages anddisadvantages of using debit cards. Stress tostudents that like a checking account, the use ofa debit/check card is a privilege that can berevoked by the bank if there are insufficientfunds for purchases made.Discuss electronic banking services (overhead 61c). Most students are probably aware of ATMs.Discuss terms they need to understand to operatean ATM and the components of an ATM(overhead 6-1d).Warn students that some banks charge a fee eachtime they use an ATM. Tell students that someATMs also charge a transaction fee. They needto understand which kind of ATM accepts theirparticular cards at no additional cost. A fee of 75cents may not seem like much, but these chargeswww.practicalmoneyskills.com using banking servicesoverhead 6-1a:banking terms youshould knowdiscussionoverhead 6-1b:choosing a checkingaccountoverhead 6-1c:electronic banking servicesoverhead 6-1d:ATM terms you shouldknowteacher’s guide 6-1

using banking servicesteaching notesadd up quickly!How does a bank work?Banks use the money that people deposit to either lend toothers or invest. They make money by charging interest topeople who borrow money. They pay interest to customerswho keep their money in the bank.What is a credit union?A financial cooperative owned by its members. It offers thesame financial services as a bank. It usually does so at alower cost than banks because its non-profit status makesits operating costs lower. A credit union can only serve itsmembers; it does not serve the general public.banking terms you should know (overhead 61a)Account — Money deposited with a bank for safekeepingATM — Acronym for “automated teller machine”Bank — A business that keeps money safe for itscustomers, lends money to borrowers, and provides otherfinancial services.overhead 6-1a:banking terms youshould knowChecking account — An account that allows you to depositmoney and write checks on that account. Checking accountspay less interest than savings accounts or none at all.Credit union — A financial cooperative owned by itsmembers to serve its members. It offers the same financialservices as a bank.Interest — The money a bank pays for the use of a person’smoney. Interest is referred to in terms of annual percentagerate (APR).Joint account — A savings or checking account set up inthe names of more than one person, i.e. parent/child.Minimum deposit — The least amount of money a bankrequires when opening an account.Savings account — A bank account that allows you to putmoney away to use later. The bank pays interest inexchange for use of the money in the account.Teller — A bank employee who performs banking servicesfor the public, such as cashing checks and accepting deposits.www.practicalmoneyskills.com using banking servicesteacher’s guide 6-1

using banking servicesteaching notesSimple interest — Interest calculated on the principalamount but not on any interest that has been earned.example: Your bank pays 5% interest per year — 5 cents forevery dollar. If you put 100 in a savings account at thebank, you’ll earn an extra 5.00 by the end of the year. Yoursavings will grow to 105.00. Now, how much interestwould you earn if you put 1000 into savings?banking services: financial-related activitiessuch as: Automatic deposit and payment Storage of valuables Transfer of money Checking accounts Savings accounts Debit cards (also called check cards) ATMschoosing a checking account (overhead 6-1b)Location — bank branch offices; hours of operation;availability of ATMsFees — monthly fees; per check fees; printing of checks;balance inquiry fees; ATM feesOther charges — overdraft charge; stop-payment feesInterest — rate earned; minimum deposit to earn interestRestrictions — minimum balance; holding period fordeposited checksoverhead 6-1b:choosing a checkingaccountSpecial features — direct deposit; automatic payments;overdraft protection; online banking; discounts or freechecking for studentselectronic banking services (overhead 6-1c)Direct deposit — earnings automatically deposited intobank accounts.Automatic payments — an automatic payment systemwhere bills are paid through direct withdrawal from a bankaccount.overhead 6-1c:electronic banking servicesAutomatic teller machines (ATM) — allow customers toget cash and conduct banking transactions.www.practicalmoneyskills.com using banking servicesteacher’s guide 6-1

using banking servicesteaching notesPoint-of-sale transactions — ATM/debit cards acceptedat stores or restaurants as payment.ATM terms you should know (overhead 61d)Balance — The amount of money currently in an account.Deposit — The money put into a bank account. An ATMcan accept bills only, for deposit; it cannot accept change.Inquiry — Tells how much money you currently have inyour account (account balance).overhead 6-1d:ATM terms youshould knowTransaction — Business done with a bank, includingdeposits and withdrawals.Withdrawal — An amount of money taken out of anaccount.Debit card/ check card — A banking card that can be usedto purchase goods and services electronically. The cardreplaces cash or checks. The amount of purchase istransferred immediately from the customer’s account to thereceiver’s account. It allows you to withdraw money at anATM and make point-of-sale purchases without writing acheck. It often requires that the cardholder enter a PIN.PIN (Personal Identification Number) — A secretnumber or code that protects the security of an account.benefits of using a debit card/check card: Makes paying at the checkout counter quickerand more convenient than writing a check. You don’t need to carry a checkbook or a lot ofcash. Can be used out of town or at places wherepersonal checks are not accepted.warning: always keep track of your checking accountbalance so sufficient funds are available for a purchase.how do you keep track of your debitcard/check card transactions? Debit card holders receive receipts at each ATMor merchant location. Users typically record debitcard purchases in their checkbook registers. Alldebit/check card transactions will appear asdeductions on your next checking accountstatement.www.practicalmoneyskills.com using banking servicesteacher’s guide 6-1

using banking servicesteaching noteslesson 6 quiz: financial servicesquiz 6-1 quiz key 6-1www.practicalmoneyskills.com using banking servicesteacher’s guide 6-1

banking terms you should know Account ATM Bank Checking account Credit union Interest Joint account Minimum deposit Savings account Tellerwww.practicalmoneyskills.com using banking servicesoverhead 6-1a

choosing a checking accountLocationbank branch offices; hours of operation; availability of ATMsFeesmonthly fees; per check fees; printing of checks; balance inquiry fees;ATM feesOther chargesoverdraft charge; stop-payment feesInterestrate earned; minimum deposit to earn interestRestrictionsminimum balance; holding period for deposited checksSpecial featuresdirect deposit; automatic payments; overdraft protection; onlinebanking; discounts or free checking for studentswww.practicalmoneyskills.com using banking servicesoverhead 6-1b

electronic banking servicesDirect depositearnings automatically deposited into bank accounts.Automatic paymentsan automatic payment system where bills are paid through directwithdrawal from a bank account.Automatic teller machine (ATM)allows customers to get cash and conduct banking transactions.Point-of-sale transactionsATM/debit cards accepted at stores or restaurants as payment.www.practicalmoneyskills.com using banking servicesoverhead 6-1c

ATM terms you should knowATM Terms You Should uttonKeyboardScreenReceipt slotCard slotDeposit slotwww.practicalmoneyskills.com using banking servicesWithdrawalslotoverhead 6-1d

name datelesson 6 quiz: electronic bankingchoose the correct answer.1. The bank pays for the use of money in the form of:a. a minimum deposit.b. interest.c. savings.d. cash from an ATM.2. Electronic banking services often require the use of:a. an inquiry.b. a checking account.c. a deposit.d. a PIN.3. If you and your mother open a bank account together, it’s called:a. a joint account.b. an electronic banking service.c. an automatic payment.d. a checking account.4. Which of the following tasks will an ATM not allow?a. withdraw cashb. find the current balance in your accountc. make a depositd. cash a check5. Which of these statements about a debit card is not true?a. It is faster and easier to use than paying with a check.b. You don’t have to carry as much cash if you have one.c. You don’t have to worry about your balance like you do with a checkbook.d. It allows you to withdraw money at an ATM.www.practicalmoneyskills.com using banking servicesquiz 6-1

name datelesson 6 quiz: electronic bankingchoose the correct answer.1. The bank pays for the use of money in the form of:a. a minimum deposit.b. interest. *c. savings.d. cash from an ATM.2. Electronic banking services often require the use of:a. an inquiry.b. a checking account.c. a deposit.d. a PIN. *3. If you and your mother open a bank account together, it’s called:a. a joint account. *b. an electronic banking service.c. an automatic payment.d. a checking account.4. Which of the following tasks will an ATM not allow?a. withdraw cashb. find the current balance in your accountc. make a depositd. cash a check *5. Which of these statements about a debit card is not true?a. It is faster and easier to use than paying with a check.b. You don’t have to carry as much cash if you have one.c. You don’t have to worry about your balance like you do with a checkbook. *d. It allows you to withdraw money at an ATM.www.practicalmoneyskills.com using banking servicesquiz key 6-1

using banking servicesteaching notes6-2 The student will complete a variety of bankingforms (signature authorization form, deposit form,check).how do you fill out bank forms? how do youwrite a check? Explain the forms banks require their customersto fill out in order to obtain access to financialservices. Tell students that all bank forms need tobe completed in ink, not pencil. Ask them whythey think this is so important.Define the terms: “signature authorization card,”“check,” “endorse,” and “deposit slip.”Explain that to open an account, customers arerequired to complete a signature authorizationcard. The bank may require a birth certificate asproof of identification. Check to see if studentshave memorized their social security number. Ifnot, have them write it down and practicememorizing their number.Demonstrate the correct way to complete asignature authorization card (overhead 6-2a).Have students complete a sample form (activity6-2a).Identify the parts of a completed check byanswering questions (overhead 6-2b).Discuss how to endorse a check to be depositedin an account. Tell students that if the check is tobe deposited, rather than being cashed, theaccount number should be written in the check’sendorsement area. Clarify that this is done sothat if a check is misplaced or stolen, it cannot bedeposited into another person’s account.Examine a deposit slip. Demonstrate the correctway to complete a deposit slip (overhead 6-2c).Ask a local bank for a number of the envelopesused in issuing cash. Make copies of blankchecks (activity 6-2e) and complete them invarious amounts. Give each student differentamounts of “play” money (both coins and bills)and several completed checks. Put each student’samount in an envelope. Have students counttheir money and fill out a deposit slip for theamount in their envelopes. They may or may notwant cash back (activity 6-2b).www.practicalmoneyskills.com using banking servicesoverhead 6-2a:opening a bank accountoverhead 6-2b:parts of a checkoverhead 6-2c:making a depositoverhead 6-2d:writing the amount of acheck in wordsoverhead 6-2e:writing a checkteacher’s guide 6-2

using banking services Demonstrate how to complete a check using wordsto express the dollar amount. Show an example(overhead 6-2d), model, and involve students in theprocess of converting other dollar amounts to wordson the overhead or board. Give students morepractice using activity 6-2c.Explain to students that a check, just like cash, canbe stolen. They need to keep their checkbooks in asafe place at all times. They should never loan theircheckbooks to friends.Help students understand that they also need tosafeguard their money by filling out a checkcarefully, so that it cannot be tampered with. Listprecautions a check writer should take so his or hercheck cannot be changed in any way: always write acheck in ink (rather than pencil); do not leave anyspace between numbers in a written amount; draw aline from the completion of the written out numberto the end of the line.Remind students that their social security numbersare personal identifiers that can be stolen ormisused by others. They should never give wideaccess to their social security numbers by writingthem on their personal checks.Demonstrate the correct way to write a check(overhead 6-2e).Have students find something they would like tobuy from a mail order catalogue. Have them write acheck, made payable to the appropriate companyname for the correct amount. (activity 6-2d)Use Activity Templates to provide students withadditional practice writing checks, endorsingchecks, and completing deposit slips.teaching notesstudent activity 6-2c:writing out amountsoverhead 6-2e:writing a checkstudent activity 6-2d:writing a checkSignature authorization card — The card that a customersigns when he/she opens a bank account. The signature is aform of personal identification.Check — A written document instructing the bank to pay aspecific amount of money from the check-writer’s account toa specific person or company.Endorse — To sign the back of a check before cashing ordepositing it.Deposit slip — An itemized slip showing the exact amountof paper money, coin, and checks being added to an account.Net deposit — The final amount of a deposit, less cashreceived.www.practicalmoneyskills.com using banking servicesteacher’s guide 6-2

opening a bank accountwww.practicalmoneyskills.com using banking servicesoverhead 6-2a

parts of a checkWhat is the date of the check?Who is the check made payable to?What is the check number?What is the check transit number?(Hint: look for the top part of the two-part number in the upper rightcorner of the check.)Where do you endorse a check?Where is the account number?www.practicalmoneyskills.com using banking servicesoverhead 6-2b

making a deposit1. Date — Write today’s date.2. Bills — If you are depositing paper bills, write the amount.*3. Coins — If you are depositing coins, write the amount.*4. Checks — If you are depositing a check, write the bank transitnumber.5. Amount — Write the amount of the check here.*6. Other Checks — List the total amount of the checks listed on thereverse side of the deposit slip.*7. Total — Write the total amount you are depositing here.*8. Cash — If you want the bank teller to give you money back fromthe deposit, write the amount of cash you want here.*9. Net Deposit — Subtract the cash amount you want back. Thenwrite the net (final) amount of your deposit.** Remember to place the dollar amount to the left of the vertical lineplace the cents amount to the right of the vertical line.www.practicalmoneyskills.com using banking servicesoverhead 6-2c

writing the amount of a check in words 857.19Start writing at the far left side of the lineEight hundred fifty sevenDollarsFollow the dollar amount by the word “and”Eight hundred fifty seven andDollarsWrite the amount of cents over the number 100Eight hundred fifty seven and 19/100DollarsDraw a line from the end of the 100 to the end of the line.Eight hundred fifty seven and 19/100 ----------Dollarswww.practicalmoneyskills.com using banking servicesoverhead 6-2d

writing a check1. DateWrite today’s date.2. PayeeWrite the name of the person or company that you are paying.3. Amount of check in numeralsWrite the amount of the check in numbers. Be careful not to leave anyspace between your numbers.4. Amount of check in wordsWrite the amount of the check in words.5. NameYour personal information is printed here. Never list your SocialSecurity number on your printed check.6. SignatureSign your check the same way you signed your name on the signaturecard.7. MemoWrite why you wrote the check. If you are paying a bill, put down anyinformation requested by the company.8. Identification numbersThese numbers identify your bank, account number, and the checknumber. They are printed in special magnetic ink that machines can read.www.practicalmoneyskills.com using banking servicesoverhead 6-2e

name:date:opening a bank accountDirections:Complete the signature authorization card below. Print your personal informationneatly. Sign the card, using your full name.www.practicalmoneyskills.com using banking servicesactivity 6-2a

name:date:making a deposit1.Date — Write today’s date.2.Bills — If you are depositing paper bills, write the amount.*3.Coins — If you are depositing coins, write the amount.*4.Checks — If you are depositing a check, write the bank transit number.5.Amount — Write the amount of the check here.*6.Other Checks — List the total amount of the checks listed on the reverse side of thedeposit slip.*7.Total — Write the total amount you are depositing here.*8.Cash — If you want the bank teller to give you money back from the deposit, write theamount of cash you want here.*9.Net Deposit — Subtract the cash amount you want back. Then write the net (final)amount of your deposit.** Remember to place the dollar amount to the left of the vertical lineplace the cents amount to the right of the vertical line.www.practicalmoneyskills.com using banking servicesactivity 6-2b

name:date:writing out amountsDirections:Write the following amounts of money using words, as you would on a check.1. 836.99DOLLARS2. 3,455.00DOLLARS3. 71.22DOLLARS4. 569.07DOLLARS5. 9,670.11DOLLARSWord Bank:10: ten15: fifteen20: twenty70: seventy11: eleven16: sixteen30: thirty80:eighty12: twelve17: seventeen40: forty90: ninety13: thirteen18: eighteen50: fifty00: hundred14: fourteen19: nineteen60: sixty000: thousandwww.practicalmoneyskills.com using banking servicesactivity 6-2c

name:date:writing out amountsDirections:Write the following amounts of money using words, as you would on a check.1. 836.99Eight hundred thirty six and 99/100 ———————DOLLARS2. 3,455.00Three thousand, four hundred fifty five and 00/100——-DOLLARS3. 71.22Seventy one and 22/100———————————-DOLLARS4. 569.07Five hundred sixty nine and 07/100 ———————-DOLLARS5. 9,670.11Nine thousand, six hundred seventy and 11/100———-DOLLARSWord Bank:10: ten15: fifteen20: twenty70: seventy11: eleven16: sixteen30: thirty80:eighty12: twelve17: seventeen40: forty90: ninety13: thirteen18: eighteen50: fifty00: hundred14: fourteen19: nineteen60: sixty000: thousandwww.practicalmoneyskills.com using banking servicesactivity key 6-2c

name:date:writing a check1.DateWrite today’s date.2.PayeeWrite the name of the person or company that you are paying.3.Amount of check in numbersWrite the amount of the check in numbers. Be careful not to leave any space between yournumbers.4.Amount of check in wordsWrite the amount of the check in words.5.NameYour personal information is printed here. Never list your Social Security number on yourprinted check.6.SignatureSign your check the same way you signed your name on the signature card.7.MemoWrite why you wrote the check. If you are paying a bill, put down any informationrequested by the company.www.practicalmoneyskills.com using banking servicesactivity 6-2d

name:date:writing a checkwww.practicalmoneyskills.com using banking servicesactivity 6-2d, cont.

using banking services6-3 The student will demonstrate skills needed tomaintain a checking or debit account (maintain a checkregister, interpret an account statement, reconcile achecking account).teaching notesoverhead 6-3a:“check” out these termshow do you maintain a checking or debitaccount? Familiarize students with the terminologyassociated with checking accounts. (overhead 63a)Discuss the advantages of using a checkingaccount. Compare the features of a check tothose of cash or a debit card.Explain the extra costs that may be associatedwith a checking account.Stress the importance of keeping accurate recordswith regards to maintaining a checking account.If the checking account is linked to an ATMcard or a debit card, the individual must alsokeep track of ATM withdrawals and debit cardpurchases (overhead 6-3b).Take students through the process ofmaintaining a running account balance (activity6-3a). As a group, have students read the items.Record the transactions on overhead 6-3d asstudents complete the “running balance”worksheet at their desks. Have students answerrelated questions (activity 6-3a).Create a variety of scenarios in which studentsenter data and keep a running balance oftransactions using activity template 6-3b.Explain that a bank helps its customers stay ontrack by sending out a monthly statement of allactivities on an account. Item by item, helpstudents read and interpret a bank statement(overhead 6-3c).Have students read and interpret a bankstatement to answer specific questions (activity6-3c).Outline the steps for reconciling a checkingaccount using overhead 6-3e. Ask students toreconcile a checking account using activity 6-3d.www.practicalmoneyskills.com using banking servicesoverhead 6-3b:maintaining a checking accountstudent activity 6-3a:keeping a running balancestudent activity 6-3b:creating a check registeroverhead 6-3c:reading a bank statementoverhead 6-3d:keeping a running balanceoverhead 6-3e:reconciling a checking accountteacher’s guide 6-3

using banking serviceschecking terms you should knowOverdraft — A check written for more money than iscurrently in the account. If the bank refuses to cash thecheck, it is said to have “bounced.”Bounced check — A check that a bank has refused to cashor pay because the check-writer did not have enoughmoney to cover it in his or her account. This is referred toas having “insufficient funds.”teaching notesoverhead 6-3a:“check” out these termsCanceled check — A “used” check. It has been paid andsubtracted from the check-writer’s account. Canceledchecks have extra information on them from the banktracing the payment process.Clear — A check “clears” when its amount is paid andsubtracted from your checking account. Allow threebusiness days for a check to clear.Stop payment — A request made to a bank to not pay aspecific check. There is often a charge for this service.Service charge — A monthly fee a bank charges forhandling a checking account.Voided check — An invalid check that cannot be cashed.To “void” a check means to mark the check with the word“VOID.”advantages of a checking account: You don’t have to carry cash, which can get lostor stolen. You can safely send it in the mail as payment. A cancelled check is proof of payment.extra costs of a checking account: Monthly fees Per-check charges Balance requirements Interest rate Bounced check charges ATM charges Stop payment fees Charges for printed checks Interest on checkingwww.practicalmoneyskills.com using banking servicesteacher’s guide 6-3

using banking servicesteaching notesinterpreting a bank statement and reconciling an account:1. Reading a bank statement2. Reconciling an account Checking the bank statement Verifying checks in the check register Verifying deposits and ATM transactions Verifying check card transactions Correcting entry errors in the check register Correcting deposit or ATM transaction amountsin the check register Correcting check card transaction amounts in thecheck register Correcting errors of omission in the checkregister Finding outstanding transactions3. Practice reading a bank statementoverhead 6-3c:reading a bank statementoverhead 6-3e:reconciling a checking account4. Practice reconciling an accountwww.practicalmoneyskills.com using banking servicesteacher’s guide 6-3

“check” out these terms! Overdraft Bounced check Canceled check Check card/ Debit card Clear Stop payment Service charge Voided checkwww.practicalmoneyskills.com using banking servicesoverhead 6-3a

maintaining a checking account ATM CardCheck TransactionDebit/Check Cardwww.practicalmoneyskills.com using banking servicesoverhead 6-3b

reading a bank statementwww.practicalmoneyskills.com using banking servicesoverhead 6-3c

keeping a running .practicalmoneyskills.com using banking servicesDEPOSITAMOUNTBALANCEoverhead 6-3d

reconciling a checking accountStep 1: Get the current balance from your bank statement.Step 2: Add deposits recorded in your check register that are not onthis statement.Step 3: Subtract outstanding checks. These are checks you have writtenthat have not yet cleared the banking system.Step 4: Compare the result with the current balance in your checkregister.Remember to -subtract service fees or other charges add direct deposits add interest earnedwww.practicalmoneyskills.com using banking servicesoverhead 6-3e

name:date:keeping a running balanceDirections:Record checks, a check card payment, an ATM transaction and a deposit in thecheckbook register below. Include the date, description, and amount of each entry.Calculate the balance.1.May 26: write beginning balance of 527.96.2.May 27: write check #107 to Mrs. Wilson. You pay your landlord your share of the rentpayment: 225.00.3.May 28: make a check card payment to Foodland. You pay 22.52 for groceries.4.June 1: write check #108 to Bank of Illinois. You make a car payment of 165.23.5.June 2: write check #109 to Interstate Phone Service for 62.77.6.June 2: use your ATM card to withdraw 20.00.7.June 15: you deposit your paycheck for 425.00. Write this amount in the DEPOSITcolumn.CHECKNO.DAT

lesson six using banking services teacher's guide. www.practicalmoneyskills.com using banking services teacher's guide using banking services web sites web sites for banking services The Internet is probably the most extensive and dynamic source of information . lesson 6 quiz: electronic banking * savings. * * * * using banking services .

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