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Again the Covered Wagon
Document Library: Text Info Documents | Photos | Features | Classroom | Links | Listserv | About Us | Search Publishing Information Vast clouds of dust rise and roll across the Great Plains, obscuring the lives of people, blighting homes, hampering traffic, drifting eastward to New...
Beacon Learning Center: Lender or Borrower Be?
answers to the problems in the procedures section before beginning the lesson. Procedures 1. Discuss with students: A bank is a business that buys and sells money. It buys money from people and calls the money deposits. It sells the money and calls the money loans. The record of each deposit...
 Hands On Banking Young Adults: Teacher's Guide
HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • WORK & $ • www.handsonbanking.org 141 • There are several ways to deposit your paycheck: • Deposit your paycheck at one of your bank’s ATMs. • Deposit your check at the bank. Thi...
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • WORK & $ • www.handsonbanking.org 141 • There are several ways to deposit your paycheck: • Deposit your paycheck at one of your bank’s ATMs. • Deposit your check at the bank. This involves filling out a deposit slip and handing it with your paycheck to a teller. • Use a check cashing store. While this is an option, be careful! Most check cashing stores charge very high fees for giving you your own cash. You can usually save a lot of money by using
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use time to their advantage by starting to save now. • The Rule of 72 is a way to estimate the time or interest rate you’d need to double your money in a savings account or an investment. Here’s an example: if you <span class="highlight">deposit</span> money in a savings account that’s earning 2% a year, start with 72 and divide it by two. The answer is 36. This means that at two percent interest, it would take about 36 years for your savings to double. If you have an investment that pays 6% a year, 72 divided by 6 equals 12. This
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • MANAGING $ • www.handsonbanking.org 29 More about interest on savings • When it comes to savings accounts, interest rates are normally expressed as an annual percentage yield (APY), in other words, the percentage of your <span class="highlight">deposit</span> that you would earn if you kept your money in the bank for a full year. • For example, if you deposited $1000 at 4% interest, you would earn $40 interest after a year. (4% of $1000 = $40.) If you withdrew all of your
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services, and some of these fees may be automatically deducted from your account. Find out what these charges are and when your bank will charge them. That way you can try to keep fees to a minimum. • <span class="highlight">No</span> matter what bank you choose, you’ll find it’s easy to apply for savings and checking accounts. But keep in mind that different banks have different requirements for opening accounts, including a minimum age requirement for having accounts of your own. • If you’re under 18, a parent or adult guardian must
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • MANAGING $ • www.handsonbanking.org 55 II. Matching The terms on the left are also known by the names on the right. Match the two names. ___ 1. Certificate of <span class="highlight">Deposit</span> (CD) a. Debit card ___ 2. Check card b. Time account ___ 3. PIN c. Savings bank ___ 4. S & L d. Secret password ___ 5. Bounced check e. Overdrawn
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • WORK & $ • www.handsonbanking.org 139 Section 2: Reading and Depositing Your Paycheck Students gain familiarity with the elements of a typical paycheck and various ways to <span class="highlight">deposit</span> them. Opening Questions Use these or similar questions to start students thinking about this concept and how it relates to them: • Employees don’t get to take home every dollar that they earn because employers make deductions from their pay. What are some of the items
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • WORK & $ • www.handsonbanking.org 141 • There are several ways to <span class="highlight">deposit</span> your paycheck: • <span class="highlight">Deposit</span> your paycheck at one of your bank’s ATMs. • <span class="highlight">Deposit</span> your check at the bank. This involves filling out a <span class="highlight">deposit</span> slip and handing it with your paycheck to a teller. • Use a check cashing store. While this is an option, be careful! Most check cashing stores charge very high fees for giving you your own cash. You can usually save a lot of money by using
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HANDS ON BANKING® • TEACHER’S GUIDE YOUNG ADULTS • WORK & $ • www.handsonbanking.org 149 From The Library of Hands on Banking … Investing FAQ Do I have to pay taxes on my capital gains? Yes. The Internal Revenue Service, or IRS, requires you to pay taxes on your capital gains. Be sure to report your earnings when you prepare your tax returns. Why are savings accounts safer than investments? When you save your money in a savings account, it’s insured by the Federal <span class="highlight">Deposit</span> Insurance Corporation
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investment plan for businesses with employees. Teresa is choosing between investing in her employer-sponsored 401(k) plan and an IRA account. The 401(k) plan is currently paying a yearly average of 5% interest, and her employer will contribute $.50 for every dollar Teresa puts in. The IRA account requires a $1,000 minimum balance, and Teresa can <span class="highlight">deposit</span> up to $3,000 a year tax free. Currently, the bank is paying 3.75% interest on IRA accounts with balances up to $5,000. Convince Teresa which investment would be
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the public and then invests the money in a group of investments such as stocks and bonds. II. Multiple choice: 1. The safest, most reliable, and convenient way to <span class="highlight">deposit</span> your paycheck is to use: a. the postal service to send your check to the bank. b. a check cashing store near your home. c. a friend to take your check directly to the bank. d. electronic direct <span class="highlight">deposit</span> offered by your employer. 2. Investments with the least risk: a. deliver <span class="highlight">no</span> extra earnings. b. deliver small earnings. c
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public and then invests the money in a group of investments such as stocks and bonds. (1 = b; 2 = h; 3 = e; 4 = f; 5 = g; 6 = d; 7 = c; 8 = a) II. Multiple choice: 1. The safest, most reliable, and convenient way to <span class="highlight">deposit</span> your paycheck is to use: a. the postal service to send your check to the bank. b. a check cashing store near your home. c. a friend to take your check directly to the bank. d. electronic direct <span class="highlight">deposit</span> offered by your employer. (d) 2. Investments with the least risk: a
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account) Account balance The exact amount of money contained in a <span class="highlight">deposit</span> account according to the bank. This figure may be different than the amount shown in your own records because of checks you have written or deposits you have made that have not yet been processed by the financial institution. Account fee The amount charged by a financial institution for the services they provide in managing the account. This may also be called the monthly service fee. Accounting To keep an exact listing or
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for payment. Certificate of <span class="highlight">deposit</span> (CD) A bank account in which you agree to keep the money for a specified period of time, usually anywhere from three months to several years. As a result, this account usually offers higher rates of return than a savings account. Money removed before the agreed upon date is subject to an early withdrawal penalty. The account pays interest on the <span class="highlight">deposit</span> and is FDIC-insured. Banks issue an actual certificate for a CD account. If <span class="highlight">no</span> certificate is issued, the
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and lending. Large organizations may organize credit unions for their members, and some companies establish credit unions for their employees. To join a credit union, a person must ordinarily belong to a participating organization, such as a college alumni association or labor union. When a person deposits money in a credit union, he or she becomes a member of the union because the <span class="highlight">deposit</span> is considered partial ownership in the credit union. Creditor An individual or business that lends money or
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Earnings (see Income) Elder financial abuse When older people lose their money or property to family, friends, or strangers who use a variety of criminal activities and schemes. Economy Activities related to the production of goods and services in a particular geographic region, such as a country, state, or county. EFC (see Expected family contribution) Electronic direct <span class="highlight">deposit</span> (see Direct <span class="highlight">deposit</span>) Electronic transfer account (ETA) A low-cost savings account that allows you to receive federal payments
Social Security Administration Home Page
Theft Work & Disability Benefits More... -- More -- Appeal a Decision Compassionate Allowances Death in the Family Death Master File (Death index) Direct Deposit Donations to the Trust Funds Government Websites International Issues Social Security eNews Solvency of Social Secu...
Relative Techniques
Practice Quiz for Relative Techniques Practice Quiz for Relative Techniques No. of Questions= 9 INSTRUCTIONS: To answer a question, click the button in front of your choice. A response will appear in the window below the question to let you know if you are correct. Be sure to read the fee...
Copper-The Ancient Metal
1% copper. >em � Ze � m[ � � ][j � � Yeff[h5 There are many steps in taking copper ore from the ground to the market. Currently there are two primary ways to mine and process copper - Concentrating & Smelting and Leaching & SX/EW. What comes out i...
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1% copper. >em � Ze � m[ � � ][j � � Yeff[h5 There are many steps in taking copper ore from the ground to the market. Currently there are two primary ways to mine and process copper - Concentrating & Smelting and Leaching & SX/EW. What comes out in the end is the copper we use on a daily basis! Before any mining can happen, a mineral deposit must be located through exploration. But a mineral deposit does not make a mine. Some deposits are too deep, too complex or the ore grade is too low to be
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1% copper. >em � Ze � m[ � � ][j � � Yeff[h5 There are many steps in taking copper ore from the ground to the market. Currently there are two primary ways to mine and process copper - Concentrating & Smelting and Leaching & SX/EW. What comes out in the end is the copper we use on a daily basis! Before any mining can happen, a mineral <span class="highlight">deposit</span> must be located through exploration. But a mineral <span class="highlight">deposit</span> does not make a mine. Some deposits are too deep, too complex or the ore grade is too low to be
Hands On Banking Dictionary
this account usually offers higher rates of return than a savings account. Money removed before the agreed upon date is subject to an early withdrawal penalty. The account pays interest on the deposit and is FDIC-insured. Banks issue an actual certificate for a CD account. If no ce...
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this account usually offers higher rates of return than a savings account. Money removed before the agreed upon date is subject to an early withdrawal penalty. The account pays interest on the deposit and is FDIC-insured. Banks issue an actual certificate for a CD account. If no certificate is issued, the account is known instead as a “time deposit.” Character The financial steadiness and stability of a borrower. For example, when reviewing your loan application, a lender may look at how long
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Account balance The exact amount of money contained in a <span class="highlight">deposit</span> account according to the bank. This figure may be different than the amount shown in your own records because of checks you have written or deposits you have made that have not yet been processed by the financial institution. Account fee The amount charged by a financial institution for the services they provide in managing the account. This may also be called the monthly service fee. Accounting To keep an exact listing or record of
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this account usually offers higher rates of return than a savings account. Money removed before the agreed upon date is subject to an early withdrawal penalty. The account pays interest on the <span class="highlight">deposit</span> and is FDIC-insured. Banks issue an actual certificate for a CD account. If <span class="highlight">no</span> certificate is issued, the account is known instead as a “time <span class="highlight">deposit</span>.” Character The financial steadiness and stability of a borrower. For example, when reviewing your loan application, a lender may look at how long
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subtracted from the user’s <span class="highlight">deposit</span> account rather than drawing on available credit. Debt Money, goods, or services you owe to others. Debt-to-income ratio A percentage that is calculated by dividing a loan applicant’s total debt payments to his or her gross income. Deed A legal document that conveys ownership of a property. Default Failure to repay a credit agreement according to its terms. Deferment A limited period of time during which you may postpone your federally guaranteed loan. The interest on
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Hands on Banking® - Dictionary © 2003, 2006 Wells Fargo Bank, N.A. All rights reserved. Economy Activities related to the production of goods and services in a particular geographic region, such as a country, state, or county. EFC (see Expected family contribution) Electronic direct <span class="highlight">deposit</span> (see Direct <span class="highlight">deposit</span>) Electronic transfer account (ETA) A low-cost savings account that allows you to receive federal payments through direct <span class="highlight">deposit</span>. You can take advantage of an ETA if you receive: ƒ Social
Leatherback Sea Turtle Mating Filmed for First Time
Geographic Channel in the U.S. Watch video previews online. Printer Friendly Email to a Friend What's This? SHARE Digg StumbleUpon Reddit RELATED Crittercam Index: All the Stories From the National Geographic News Crittercam Series Leatherback Turtles Near Extinction, Experts Sa...
John Brown University
JBUNOW Hastings Slips Past Golden Eagles, 51-50 Read More Golden Eagles Down Oklahoma City, Fall to No. 10 Oklahoma Baptist Read More Stunned: Golden Eagles Fall in Penalty Kicks to Oklahoma Baptist in Title Game Read More Request Information Type Question Here This field should be l...
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