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 Hands On Banking Adults: Teacher's Guide
collateral. This means that if the borrower does not repay the debt as agreed, the lender has the right to take ownership of the assets. Secured credit card A credit card secured by a savings account. The money in the savings account is collateral and...
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collateral. This means that if the borrower does not repay the debt as agreed, the lender has the right to take ownership of the assets. Secured credit card A credit card secured by a savings account. The money in the savings account is collateral and may be claimed by the company issuing the card if the account holder fails to make the necessary payments. Using a secured credit card, and paying according to the terms of the agreement, can be a good first step for individuals or businesses that want to
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=73
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
quickly as possible. You’ll have more money available for paying off your debts <span class="highlight">and</span> learn to live within your means. Disadvantages: Making debt repayment your priority will probably mean postponing or doing without some other purchases. Home equity loans Advantages: The interest rate is usually lower than credits cards <span class="highlight">and</span> the interest is tax-deductible. Monthly payments are much lower because the term of the loan is spread out over <span class="highlight">a</span> long term. Disadvantages: Remember, home equity loans are <span class="highlight">secured</span> by
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=82
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
HANDS ON BANKING® • TEACHER’S GUIDE 82 ADULTS • BORROWING MONEY • www.handsonbanking.org Section 6: Credit cards Participants investigate the basics of credit cards, <span class="highlight">and</span> how to use them wisely <span class="highlight">and</span> safely. Opening Questions Use these or similar questions to start participants thinking about this concept <span class="highlight">and</span> how it relates to them: • Why might someone want to make <span class="highlight">a</span> purchase with <span class="highlight">a</span> credit <span class="highlight">card</span> rather than paying cash or taking out <span class="highlight">a</span> loan? • Would you recommend to someone to have many credit cards
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=108
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
ƒ You may be able to save money by buying homeowner’s insurance from the same company that carries your car insurance. <span class="highlight">Using</span> your home equity As you make mortgage payments through the years, you build home equity. Equity is the difference between how much your home is worth <span class="highlight">and</span> how much you still owe for it. You may be able to borrow against that equity. Two ways to borrow <span class="highlight">using</span> your home as collateral are: ƒ <span class="highlight">A</span> home equity loan (second mortgage), which is <span class="highlight">a</span> loan that is <span class="highlight">secured</span> by your home <span class="highlight">and</span> is
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=136
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
HANDS ON BANKING® • TEACHER’S GUIDE 136 ADULTS • ESTABLISHING <span class="highlight">A</span> SMALL BUSINESS • www.handsonbanking.org • In the Borrowing Money unit of the Hands on Banking Adults program, participants will find an introduction to the subject of credit: what credit is, how to get good credit, <span class="highlight">and</span> how to obtain <span class="highlight">and</span> read <span class="highlight">a</span> credit report. Participants also learn how to apply for loans <span class="highlight">and</span> credit cards <span class="highlight">and</span> how loan decisions are made. • Before <span class="highlight">a</span> lender will give you credit, they must have trust <span class="highlight">and</span> confidence that
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=138
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
<span class="highlight">secured</span> credit <span class="highlight">card</span>, you can improve your qualifications for unsecured credit in the future. • In the Borrowing Money unit in the Hands on Banking Adults program, participants will find <span class="highlight">a</span> general introduction to credit cards – what they are <span class="highlight">and</span> how they work. Merchant <span class="highlight">card</span> processing • It’s important to make doing business convenient for your customers. The more ways your customers can pay you, the easier it will be for them to buy. • Credit <span class="highlight">card</span> providers, including many banks, offer merchant <span class="highlight">card</span>
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=160
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
advertising, offering special sale prices, etc.) designed to gain new customers <span class="highlight">and</span> to interest customers in continuing to do business over time. Merchandise The products <span class="highlight">a</span> business offers for sale to its customers. Merchant <span class="highlight">card</span> processing <span class="highlight">A</span> service offered by credit <span class="highlight">card</span> providers, including many banks, that allows <span class="highlight">a</span> company to accept credit <span class="highlight">card</span> <span class="highlight">and</span> debit <span class="highlight">card</span> payments where it does business or online. MI (see Private mortgage insurance) Minimum balance <span class="highlight">A</span> specific amount of money required by <span class="highlight">a</span> financial
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http://www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#page=163
www.handsonbanking.org/nav_elements/teachers_guide_PDF/Adult_T_Guide.pdf#...
collateral. This means that if the borrower does not repay the debt as agreed, the lender has the right to take ownership of the assets. <span class="highlight">Secured</span> credit <span class="highlight">card</span> <span class="highlight">A</span> credit <span class="highlight">card</span> <span class="highlight">secured</span> by <span class="highlight">a</span> savings account. The money in the savings account is collateral <span class="highlight">and</span> may be claimed by the company issuing the <span class="highlight">card</span> if the account holder fails to make the necessary payments. <span class="highlight">Using</span> <span class="highlight">a</span> <span class="highlight">secured</span> credit <span class="highlight">card</span>, <span class="highlight">and</span> paying according to the terms of the agreement, can be <span class="highlight">a</span> good first step for individuals or businesses that want to
The Outcomes and Impacts of Adult Literacy Education in the United States
The first step was to identify a pool of research studies conducted since the inception of the federal adult literacy program that were available in the public domain and potentially included outcome assessment components. ERIC and other abstracting services were searched us...
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The first step was to identify a pool of research studies conducted since the inception of the federal adult literacy program that were available in the public domain and potentially included outcome assessment components. ERIC and other abstracting services were searched using numerous descriptors, and state and national policy makers were consulted regarding studies the search might have missed. The initial search identified approximately 115 studies. Next, abstracts were reviewed to determine which
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http://www.ncsall.net/fileadmin/resources/research/report6.pdf#page=13
www.ncsall.net/fileadmin/resources/research/report6.pdf#page=13
The first step was to identify <span class="highlight">a</span> pool of research studies conducted since the inception of the federal adult literacy program that were available in the public domain <span class="highlight">and</span> potentially included outcome assessment components. ERIC <span class="highlight">and</span> other abstracting services were searched <span class="highlight">using</span> numerous descriptors, <span class="highlight">and</span> state <span class="highlight">and</span> national policy makers were consulted regarding studies the search might have missed. The initial search identified approximately 115 studies. Next, abstracts were reviewed to determine which
Change of Variables
then a rectangle whose sides are given by , , and and so the ranges of u and v are, Next, we need the Jacobian. The integral is then, Example 4 Evaluate where R is the ellipse given by and using the transformation , . Solution The first thin...
Linear Transformations
equation) that takes each element of the set A (called the domain) and associates it with exactly one element of a set B (called the codomain). The notation that we’ll be using to denote our function is When we see this notation we know that we’re going to b...
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