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A SYLLABUS FOR A COURSE IN GENERAL BUSINESS
A P ro je c t P re se n te d to th e F a c u lty o f th e S ch o o l o f E d u c a tio n The U n i v e r s i t y
o f S o u th e rn C a lif o r n ia
In P a r t i a l F u l f i Ilm e n t o f t h e R e q u ire m e n ts f o r t h e D egree M a ste r o f S c ie n c e i n E d u c a tio n
by A u g u s t u s H. B r a u n A u g u st 1950
UMI Number: EP46205
All rights reserved INFORMATION TO ALL USERS The quality of this reproduction is dependent upon the quality of the copy submitted. In the unlikely event that the author did not send a complete manuscript and there are missing pages, these will be noted. Also, if material had to be removed, a note will indicate the deletion.
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This p r o je c t re p o r t , w ri tt en un der the direction of the candidate’s a d v is e r a n d a p p r o v e d by him, has been p res en te d to an d ac c e p te d by the F ac u lty of the S c h o o l o f E du c at io n in p a r t i a l fulf ill me nt of the requirements f o r the deg ree of M a s t e r of Science in Education.
D ate
..............................
Adviser
D ea n
ii CHAPTER 1.
PAGE
VOCATIONS: 1.
HOW TO PREPARE FOR A BUSINESS PO SITIO N .
APTITUDE:
How t o s e l e c t t h e p o s i t i o n f o r w h i c h
y o u .c a r e b e s t q u a l i f i e d , 2.
EDUCATION: How
1
to p rep are fo r a b u sin e ss p o s i
tio n . 3. 2.
1.
3
PERMANACY:
EMPLOYMENT:
How t o f i n d y o u r p l a c e
in b u sin e ss.
HOW TO APPLY FOR A JOB.
LETTER OF APPLICATION:
How t o
c o n ta c t a p ro s 8
INTERVIEW: How t o f a c e y o u r p r o s p e c t i v e
em
p lo y e r. 3.
9
MIDDLEMAN: How
t o a p p l y t h r o u g h e m p lo y m e n t
o ffic e s. 4.
HELP WANTED:
11 How t o a n s w e r a n e w s p a p e r a d
v e rtise m e n t. 5.
IE
SCREENING SHEET:
How t o f i l l
out an a p p l i
c a tio n b la n k . 3*
IS-
BUDGET CONSTRUCTION:
HOW TO LIVE WITHIN YOUR
INCOME. 1.
17
SALARY AND INVESTMENTS:
How t o i t e m i z e y o u r
in c o m e .
4.
17
2.
EXPENDITORES:
3.
DISTRIBUTION OF EXPENDITURES:
PROFIT AND LOSS:
4 8
p e c t iv e e m p lo y er. E.
1
How t o i t e m i z e y o u r e x p e n s e s . How t o b u d g e t .
HOW TO F IL E YOUR INCOME TAX
18 19
iii CHAPTER , .• ,>•
PAGE
RE1UKNS.
5.
23
1.
UNDER ‘# 5 , 0 0 0 : How t o p r e p a r e
2.
OVER # 5 , 0 0 0 :
th e s h o rt fo rm .
Howt o p r e p a r e t h e l o n g f o r m .
GUARANTEED PROTECTION:
31
PROPERTY INSURANCE:
How t o p r o t e c t y o u r p e r
so n a l b e lo n g in g s. 2.
52
AUTOMOBILE INSURANCE:
How t o p r o t e c t y o u r
a u to m o b ile 3.
TERM INSURANCE:
32 How t o p r o t e c t y o u r s e l f f o r
a s h o rt p e rio d of tim e . 4.
5.
33
uRDXN'AHY L IFE INSURANCE: se lf
How t o g i v e y o u r
o v e ra ll p ro te c tio n .
ENDOWlAiiNT xNSURANCE:
33
How t o s e t u p p a y m e n t
fo r s p e c ific d a te . 6.
ANNUITY INSURANCE:
33 How t o e s t a b l i s h r e t i r e s
m en t. 7.
34
HEALTH AND ACCIDENT INSURANCE: te c t y o u rse lf a g a in st lo ss
8.
How t o p r o
o f pay
OLD-AGE AND SURVIVOR'S INSURANCE:
34 How t o
c o l l e c t fro m g o v e rn m e n ta l a g e n c i e s . ’ 9.
UNEMPLOYMENT INSURANCE: sta te
25
HOW TO PROTECT YOUR
FUTURE WITH INSURANCE. 1.
23
a g e n c ie s.
35
How t o c o l l e c t f r o m 36
CHAPTER 6.
PAGE
BANKING: A BANK. 1.
HOW TO DEPOSIT AND WITHDRAW MONEY FROM '
39
OPENING THE ACCOUNT:
How t o d e p o s i t i n a
sa v in g s a c c o u n t. 2.
WITHDRAWALS:
39
How t o t a k e m o ney o u t o f a s a v
in g s a c c o u n t. 3.
’?•
40
OPENING A CHECKING ACCOUNT:
How t o d e p o s i t
i n a c h e c k in g a c c o u n t.
41
4.
WITHDRAWALS:
41
5.
RECALL CHECKS:
6.
NO FUNDS:
CREDIT:
How t o w r i t e a c h e c k . How t o s t o p p a y m e n t o n a c h e c k .
How t o b a l a n c e y o u r c h e c k i n g a c c o u n t .
HOW TO LIVE WITHOUT CASH
1.
CHARGE ACCOUNTS:
2.
6% LOANS:
3.
PAIN BROKERS:
How t o b u y o n t i m e .
How t o b o r r o w m o n ey f r o m a b a n k .
INYEST YOUR MONEY.
GUARANTEED LOAN:
SECURITY LOAN:
How t o b u y m o r t g a g e b o n d s .
3.
GAMBLERS LOAN:
How t o b u y common a n d p r e
fe rre d sto c k s.
FROM HOME.
47
51
51
2.
COMMUNICATIONS:
47
How t o b u y U . S . G o v e r n m e n t
bonds.
9.
46
48
SPECULATION: HOW TO 1.
43
How t o b o r r o w m oney f r o m a
lo a n sh a rk . 8.
43
52
53
HOW TO TRANSACT BUSINESS AWAY 57
V
CHAPTER 1.
PAGE CORRESPONDENCE:
How t o w r i t e a b u s i n e s s
le tte r.
58
E.
VOICE:
3.
WIRE:
4.
WATER COMMUNICATION.:
5.
AIR COMMUNICATION:
1 0 . 1.TRAVEL:
How t o t e l e p h o n e l o n g d i s t a n c e How t o
send a te le g ra m . How t o s e n d a c a b l e g r a m .
How t o
send a ra d io g ra m .
59 59 60 60
HOW TO TRANSACT BUSINESS NECESSARY FOR
YOUR VACATION.
64
1.
ACCOMODATIONS:
How t o r e g i s t e r a t a h o t e l .
E.
TRAVELERS* CHECKS:
3.
MENU PLEASE:
How t o
c a r r y m oney.
How t o o r d e r i n a d i n i n g ro o m .
65 65 66
4.
ALL ABOARD:
How t o r e a d t i m e t a b l e s .
66
5.
ROUND T R IP :
How t o b u y a t i c k e t .
68
6.
SEND TO:
How t o l a b e l b a g g a g e .
68
7.
RED CAP:
How t o c h e c k b a g g a g e .
69
8.
FOREIGN TRAVEL: v isa .
How t o s e c u r e p a s s p o r t and 69
PREFACE T h i s s y l l a b u s w as w r i t t e n i n t h e b e l i e f c o u r s e , w hen w e ll o r g a n iz e d and t a u g h t ,
can e f f e c tiv e ly
t h e f o u n d a t i o n o f a f u n c t i o n a l e c o n o m ic l i f e as a f i r s t
th a t such a la y
and can se rv e
c o u r s e i n b u s i n e s s f o r t h o s e who i n t e n d t o f o l l o w
a b u sin e ss c a re e r.
The p e d a g o g i c a l d e v e l o p m e n t o f t h e s u b
j e c t m a t t e r o f t h e s y l l a b u s w as o f p r i m e c o n s i d e r a t i o n i n th e p la n n in g o f th e book. te n c h a p te rs o r u n its .
H ence t h e book i s d iv id e d in to
Each u n i t r e p r e s e n t s a n a r e a o f su b
j e c t m a tte r and i s d iv id e d in to
su b d iv isio n s.
s i o n s a r e d i v i d e d i n t o p a r t s , w h ich a r e
The s u b d i v i
s m a lle r se g m en ts o f
su b je c t m a tte r arran g ed f o r e ff e c tiv e te a c h in g . te r is
b eg u n w i t h a d i s c u s s i o n w h ic h i n t r o d u c e s th e c o n c e p ts
e m p h a size d i n t h e c h a p te r and h e l p s to i n t e r e s t g i r l i n w hat f o l lo w s . tie s,
Each c h a p
Each c h a p t e r
a s s ig n m e n ts , and e v a lu a tio n s .
a r e r e a l , and t h e p ro b le m s a r e
is
th e boy and
c o n c lu d e d by a c t i v i
The s i t u a t i o n s d i s c u s s e d
comm only e n c o u n t e r e d .
The
l a n g u a g e is: u n d e r s t a n d a b l e a n d d i r e c t . T h i s b o o k w as w r i t t e n f o r a l l b o y s a n d g i r l s . ,
and e sp e
c i a l l y f o r th o se i n te r e s te d in p r e p a r a tio n f o r a c a r e e r in th e im p o rta n t and e v e r-g ro w in g f i e l d
o f b u sin e ss*
CHAPTER X
VOCATIONS
HOW TO PREPARE FOR A BUSINESS POSITION The d a y s when, p e o p l e
ju st
"W ent t o w o r k * a n d b y a h i t -
o r-m is s p ro c e s s fo u n d o u t a b o u t t h e i r re s ts are la rg e ly h is to ry .
c a p a b i l i t i e s and i n t e
T h is e x p e r ie n c e i s t o o c o s t l y
t o b o t h e r e m p lo y e r an d e m p lo y ee .
You w o u l d n o t t h i n k o f
t a k i n g one jo b a f t e r a n o t h e r u n t i l c h a n c e a n d c ir c u m s ta n c e f i n a l l y p l a c e d y o u w here y o u w a n te d t o b e .
Y o u know t h a t
to d a y t h e r e a r e b e t t e r w ays of r e a c h in g y o u r g o a l. th e re fo re ,
stu d y p r e p a r a tio n n e c e s s a ry f o r
We s h a l l *
s e le c tio n of your
v o c a tio n . A.
MOTIVATION:
R ew ards t h a t y o u w i l l r e c e i v e
from p r o p e r
s e le c tio n of your jo b . 1.
SUCCESS IN YOUR JOB:
W o rk in g i n a f i e l d
you a r e a d a p te d w i l l le a d t o E.
SECURITY:
t o w h ic h
e v e n tu a l su c c e s s .
K n o w le d g e t h a t y o u h a v e s e l e c t e d t h e w o r k
f o r w h i c h you. a r e
best f itte d
g iv e s you peace o f
m in d . 3.
SELF APPROVAL:
A tta in m e n t
of sp e c ific
goal w ill
r e s u l t i n s e l f c o n fid e n c e . 4.
COMMUNITY STANDING:
P erm an en t p o s i t i o n w i l l b r i n g
t h e a d m i r a t i o n o f t h e c o m m u n ity . B.
DIRECTIONS: 1.
APTITUDE:
M e th o d s o f p r e p a r i n g f o r y o u r v o c a t i o n . How t o s e l e c t t h e p o s i t i o n f o r w h i c h y o u
are
b e stq u a lifie d .
a.
Take a v o c a t i o n a l a p t i t u d e (1 )
te s t.
C o n su lt w ith t e s t i n g a u t h o r i t i e s ab o u t re s u lts .
(2 )
L is t your a b i l i t i e s
in o rd er
fro m , b e s t
q u a l i f ie d to lo w e st ra n k . (3)
H av e a u t h o r i t i e s e x p l a i n
th e re a s o n in g o f
re s u lts . b.
T ak e p e r s o n a l i t y t e s t s .
(U se sam e
p ro ced u re as
(U se sam e
p ro ced u re as
v o c a tio n a l t e s t s .) c.
Take m o to r s k i l l t e s t s . v o c a tio n a l te s ts .)
d.
Take m e c h a n i c a l a p t i t u d e
te s ts .
(U se sam e p r o c e
dure a s v o c a tio n a l t e s t s . ) e.
C o m p ile t e s t r e s u l t s t o d e t e r m i n e
o r d e r o f jo b
a b ility . (1 )
The
jo b t h a t e n d s o n t o p s h o u l d b e y o u r
v o c a ti on. (2 )
Do y o u h a v e t h e f i n a n c i a l a b i l i t y
to edu
c a te y o u rs e lf f o r th is , p o s itio n ? (3 )
Do y o u h a v e p h y s i c a l
(4 )
If
jo b
t h e t op j o b i s n o t i n t h e r e a l m o f p o s s i
b ility (5 )
c a p a c itie s f o r th e
e v a lu a te th e
Be f a i r t o y o u r s e l f .
lo w e r l e v e l S e le c t, th e
jo b s. jo b n e a r
th e to p t h a t you c a n be s u r e o f o b ta in in g , f.
D isc u ss th e r e s u l t s w ith y o u r p a r e n t s . (1 )
Do t h e y a g r e e w i t h r e s u l t s
(2)
W ill th e y be a b le
of te s ts ?
to a s s i t you i n r e a c h in g
y o u r g o a l? EDUCATION: a.
b.
c.
How t o p r e p a r e f o r
a b u sin e ss p o s itio n .
Take b u s i n e s s c o u r s e s i n h i g h s c h o o l . (1 )
B o o k k e ep in g .
(2 )
T y p e w ritin g .
(3}
O ffic e m a c h in e s.
(4 )
S a le sm a n sh ip .
(5)
F ilin g .
(6 )
E c o n o m ic s.
(7 )
G en eral B u s in e s s .
(8 )
S h o rth a n d .
S p e c ia liz e
in one f i e l d .
(1 )
B o o k k e ep in g .
(2 )
S e c re ta ria l.
(3 )
S a le s.
Take p a r t t im e
jo b s d u r in g h ig h s c h o o l.
(1)
C le rk .
(2 )
S a le sp e rso n .
(3 )
T y p is t.
(4)
G e n e ra l o f f i c e w o rk.
d.
Take s p e c i a l h ig h s c h o o l c o u r s e s , (1 )
P iib lic sp e a k in g .
(2)
D e b a tin g .
(3 )
Speech c o r r e c tio n .
PERMANAKCT: a.
How t o f i n d y o u r p l a c e i n b u s i n e s s .
S e l e c t s e v e r a l o r g a n i z a t i o n s w h ic h o f f e r em p lo y m ent i n y o u r f i e l d and g e t th e f o llo w in g i n f o r m a tio n . (1 )
B e g in n in g s a l a r y ,
(2 )
S a la ry r a is e s .
(3 )
Top p o s s i b l e
(4 )
P ro m o tio n a l o p p o r t u n it i e s ,
sa la ry .
(5)
A m ount o f e x p e r i e n c e n e c e s s a r y .
(6)
A m ount o f e d u c a t i o n n e c e s s a r y .
(7 )
A re t h e p r e s e n t e m p l o y e e s h a p p y i n t h e i r p o sitio n s ?
b.
C o m p il e i n f o r m a t i o n t o d e t e r m i n e w h a t y o n w i l l re q u ire
o f y o u r Job.
(1 )
Am ount o f s a l a r y .
(2}
R a is e s t o be e x p e c te d .
(3 )
Top s a l a r y y o u c a n o b t a i n ,
(4 )
P e r io d ic p ro m o tio n s.
(5 )
Top p o s i t i o n y o u c a n o b t a i n .
c.
C o m p il e i n f o r m a t i o n t o d e t e r m i n e w h a t t h e
jo b
w i l l r e q u i r e o f you*
d.
(1 )
Am ount o f e d u c a t i o n *
(2)
A m ount o f e x p e r i e n c e .
(3 )
Am ount o f w o r k y o u m u s t p r o d u c e .
(4)
S p e c ia l
sk ills
or a b ilitie s .
U se t h e same p r o c e d u r e o n s m a l l a s w e l l a s l a r g e o rg a n iz a tio n s. (1 )
T h is w i l l a s s u r e you o f
(2 )
M o re p o s s i b i l i t y
v a rie ty .
of p ro p er s e le c tio n of
e m p lo y e r. 4.
SOURCE: a.
W here t o g e t f u r t h e r a s s i s t a n c e ,
C rabbe 6 2 3 -6 3 1 ; H a m ilto n 6 8 -8 0 ; P o l i s h o o k 3 4 2 356.
b.
H ig h s c h o o l v o c a t i o n a l t e s t i n g d e p a r t m e n t .
e.
H ig h s c h o o l g u id a n c e t e a c h e r .
d.
B u s in e s s o f f i c e s t h r o u g h o u t th e
ACTIVITT ASSIGNMENTS t
c ity .
W ork t o do t o h e l p you, p r e p a r e
fo r your v o c a tio n . 1.
GENUINE:
A ssig n m e n ts t h a t
w ill h e lp you p re p a re f o r
your v o c a tio n . a.
Take v a r i o u s v o c a t i o n a l a p t i t u d e
b.
Take- v a r i o u s p e r s o n a l i t y t e s t s .
c.
I n t e r v i e w b u s in e s s e m p lo y e e s.
te s ts .
6 2.
SUPPLEMENTARY:
A ssig n m e n t t h a t w i l l h e lp y ou p r e
p are f o r your v o c a tio n . a.
P rep are th e
c o u rse of stu d y you in te n d to fo llo w
in h ig h s c h o o l.
L et te a c h e r check to
fo llo w s in th e p a tte r n b.
P rep are a l i s t
see i f
of your v o c a tio n a l
it
g o a l.
o f q u e s tio n s t h a t you w i l l u se
when i n t e r v i e w i n g a, b u s i n e s s e m p l o y e e . w ith te a c h e r to se e i f
lis t
is
Check
c o m p lete and t h a t
n o th in g o f im p o rta n c e h a s b een o m itte d . D.
EVALUATION:
S a m p le s o f se m e t y p e s o f c h e c k - u p s w h i c h
may b e a p p l i e d t o v o c a t i o n a l p r e p a r a t i o n . 1.
TRUE-FALSE: tru e a.
P la c e an X in th e c o r r e c t space f o r
or f a ls e . T F ( )( ) You s h o u l d t a k e v o c a t i o n a l a p t i t u d e te s ts
t o d e te rm in e th e
jo b f o r w h ic h y o u
are b e st f itte d . b.
( )(
)
Y ou s h o u l d p r e p a r e f o r t h e v o c a t i o n a l t e s t by s t u d y i n g .
c.
( )(
)
It
is b e t t e r t o
ness fie ld
s p e c ia liz e
i n one b u s i
th a n t o ta k e a few s u b j e c t s
out o f each f i e l d . 2..
BEST ANS1ER:
P l a c e t h e num ber of t h e
b e s t answ er i n
th e p a re n th e s e s . a.
( )
The o n e c o u r s e y o u s h o u l d n o t o m i t f r o m
y o u r c o u rse o f stu d y (2 )
S a le sm a n sh ip .
is;
(1) F i l i n g .
(3 ) E c o n o m i c s .
(4 )
O ff
i c e m a c h in e s. b.
(}
The f i r s t
s te p you sh o u ld ta k e
f o r your v o c a tio n i s : tim e .
(2 )
In te rv ie w
tio n a l a p titu d e t e s t . RATING SCALE;
(1 )
in p re p a rin g
W o rk in g p a r t
e m p lo y e e s.
(3 )
V oca
(4 ) P e r s o n a l i t y
te s t.
P l a c e a n X i n e a c h s p a c e f o r w h ic h
y o u know t h e a n s w e r p e r t a i n i n g t o y o u r p l a n n e d o c c u p a tio n . a.
()
W hat i s t h e b e g i n n i n g s a l a r y ?
b.
()
How o f t e n i s in
i t p o ss ib le to
re c e iv e a r a is e
sa la ry ?
c.
( •} l h a t i s
d.
()
W hat a r e
e.
()
How much e x p e r i e n c e i s n e c e s s a r y t o r e c e i v e th e
f.
(}
(
( )
th e p ro m o tio n a l o p p o r tu n itie s ?
jo b ?
How much e d u c a t i o n i s n e c e s s a r y t o r e c e i v e th e
g.
th e . to p s a la r y p o s s ib le ?
jo b ?
Do t h e p r e s e n t e m p l o y e e s l i k e w o r k i n g t h e r e ?
) T o ta l.
CHAPTER 2
EMPLOYMENT
HOW TO APPLY FOR A FOB T he y o u n g w o r k e r m u s t k e e p i n m in d t h e t in
a p p ly in g f o r a Job.
It
d o e s n ’ t m ea n t h a t t r i c k e r y
th e re
D on’ t h e m is le d hyt h i s is
in v o lv e d .
is an a r t
sta te m e n t.
I t d o e s m ean
t h a t k n o w le d g e o f w hat t o e x p e c t,, w hat t o d o , a n d w h at t o say w i l l h e lp you a v o id n e rv o u s n e s s and f e a r . you a t e a s e and t h e r e f o r e p u t you a t y o u r b e s t . th e re fo re , A.
I t w ill put We s h a l l ,
s t u d y t h e a r t o f a p p l y i n g f o r a jo b *
MOTIVATION: C o m p e n s a t i o n s y o u may r e c e i v e f r o m p ro ced u re in a p p ly in g f o r a 1.
OBTAINING JOB:
p ro p er
jo b .
C o r r e c t m eth o d o f a p p l i c a t i o n a s s u r e s
you o f b e in g h ir e d . S.
ECONOMY OF TIME:
H a p h a z a rd m eth o d s o f s e a r c h i n g f o r
e m p lo y m e n t c o n s u m e s t i m e . 3.
SELF ASSURANCE:
K now in g w h a t y o u r c a p a b i l i t i e s a r e
g iv e s you a f e e l i n g
o f c o n fid e n c e a s you a p p ro a c h
y o u r p r o s p e c ti v e e m p lo y e r, 4.
EASE OF APPROACH:
A w e ll o rg a n iz e d a p p ro a c h im p re s
s e s th e e m p lo y e r. B.
DIRECTIONS: M e t h o d s o f a p p l y i n g f o r a .jo b . 1,
LETTER OF APPLICATION:
How t o
c o n ta c t a p ro s p e c tiv e
e m p lo y e r. a.
W rite a l e t t e r o f a p p l i c a t i o n u s in g th e f o llo w in g
p a tte rn . (1 )
T he a p p l i c a t i o n b e g in :
fo r th e p o s itio n .
It
" P l e a s e c o n s i d e r my l e t t e r
of a p p li
c a tio n fo r th e p o s itio n a d v e r tis e d . (2)
A lis t
o f th e q u a li f ic a ti o n s
c a n t.
I t can b e g in :
can
.
."
o f th e a p p l i
" I am. e i g h t e e n y e a r s
o ld and have ta k e n a b u s in e s s c o u rs e . . (3 )
An a c c u r a t e s t a t e m e n t o f e x p e r i e n c e . can b e g in :
(4 )
A lis t
" I w orked p a r t t i m e .
o f referen ces.
It
.
."
It .”
can b e g in :
"M ore
i n f o r m a t i o n may b e o b t a i n e d b y w r i t i n g t o . ••
(5 )
*
tt
F in a lly , a re q u e st fo r an in te rv ie w or in som e c a s e s f o r t h e p o s i t i o n .
It
can b e g in :
" I can se e you a t y o u r c o n v en ien c e and d i s cuss t h i s INTERVIEW: a.
m a t t e r m o re f u l l y .
.
."
How t o f a c e y o u r p r o s p e c t i v e e m p l o y e r ,
D ress p r o p e r ly . (1 )
I s y o u r h a ir w e ll k e p t? it
d ry lo o k in g ?
Is
it
Is
it
c le a n ?
Is
com bed t o f i t y o u r
face? (2 )
Is your sk in fre s h
a n d c le a n ?
Is
it
dry ?
Does i t have l a r g e p o r e s ? (3 )
A re y o u r h a n d s c le a n ?
A re y o u r t e e t h c le a n ?
A re y o u r n a i l s
I n c a s e o f g i r l s , do
c le a n ?
10 y o u h a v e t o o m u ch c o l o r o n y o u r n a i l s ? (4 )
A re y o u r c l o t h e s c l e a n a n d p r e s s e d ? c lo th e s f i t
you?
t h a t s u i t you? c lo th e s (5)
A re y o u w e a r in g c o l o r s Do t h e c o l o r s o f y o u r
c la sh ?
How do, y o u s t a n d ? f u l l h e ig h t,
(6 )
Do y o u r
Do y o u s t r e t c h t o y o u r
o r do you s lo u c h ?
A re y o u r s h o e s s h i n e d ?
b.
T ak e a d e e p b r e a t h b e f o r e e n t e r i n g t h e o f f i c e .
c.
In tro d u c e y o u r s e lf .
\
d.
S e ll y o u rse lf. Cl)
D o n 't b e o v e rm o d e s t.
(2 )
D o n 't o v e r s e l l y o u r s e l f .
e.
A nsw er a l l
q u e s tio n s to
th e b e s t of your a b i l i t y .
f.
A n tic ip a te w hat w i l l be a sk e d .
g.
R ehearse u n t i l you a r e
h.
P ra c tic e your in te rv ie w .
i.
U se t h e f o l l o w i n g
\
su re of your answ ers.
q u e s tio n s a s a g u id e .
(1 )
How. o l d a r e y o u ?
(2 )
W here w e r e y o u b o r n ?
(3 )
W hat do y o u do i n y o u r l e i s u r e t i m e ?
(4 )
Tffibat c o u r s e s d i d y o u t a k e
(5 )
When d i d y o u g r a d u a t e f r o m
h ig h s c h o o l?
(6)
I b a t s u b je c ts d id you lik e
b e st?
i n h ig h sc h o o l?
(7 )
H av e y o u h a d a n y b u s i n e s s e x p e r i e n c e ?
What
w as i t ? (8 )
H av e y o u h a d a n y o t h e r k i n d o f w o r k e x p e r ie n c e ?
(9 )
W hat was i t ?
Why d o y o u f e e l t h a t y o u c a n f i l l
th is
p o s itio n ? MIDDLEMaH:
How t o a p p l y t h r o u g h t h e e m p lo y m e n t
o ffic e s. a.
R e g is te r a t th e
sta te
e m p lo y m e n t o f f i c e .
(1 )
F i l l out a p p lic a tio n
CZ)
L in t o f
form...
jo b s a v a i l a b l e a r e p o s t e d e v e ry d a y
f o r y o u to eheck* (3 )
Becom e f r i e n d l y
w ith in te r v ie w e r .
h e l p y o u w hen t h e
I t w ill
jo b y o u a r e l o o k i n g f o r
com es a l o n g . (4)
C heck c i v i l s e r v i c e
lis t
fo r
jo b s in y o u r
fie ld . b.
R e g i s t e r a t p r i v a t e e m p lo y m e n t o f f i c e s . (1 )
F i l l o u t a p p l i c a t i on.
(2 )
L is t a l l
p o ss ib le
o p e n in g s t h a t y o u
w o u ld
c o n sid e r. (3 )
W rite an y i n f o r m a ti o n t h a t w i l l a s s i s t th e agency in p la c in g you.
(4 )
O ffe r agency a s u ita b le
re m u n e ra tio n f o r
s e c u rin g f o r you th e HELP WANTED: a.
jo b o f y o u r p r e f e r e n c e .
How t o a n s w e r a n e w s p a p e r a d v e r t i s e m e n t
Buy s e v e r a l l o c a l n e w s p a p e r s . (1)
Look i n t h e h e l p w a n ted s e c t i o n .
(2 )
S e l e c t p o s i t i o n s w h ic h you
w o u ld c o n s i d e r
ta k in g . b.
A nsw er a d v e r t i s e m e n t s by l e t t e r . (1 )
A nsw er a l l
q u e stio n s i n th e a d v e rtis e m e n t.
(2)
A n s w e r t h e sam e d a y a d v e r t i s e m e n t a p p e a r s in th e p a p e r.
c.
A nsw er a d v e r t i s e m e n t b y t e l e p h o n e . Cl)
I h e n p h o n e num ber i s
g iv e n
c a l l a t tim e
re q u e ste d . (2 )
P r e p a r e w h at you a r e g o in g
to sa y .
(3 )
L is t p e rtin e n t
and r e f e r e n c e s
in fo rm a tio n
so you can an sw er q u e s tio n s p ro m p tly . d.
A nsw er a d v e r t is e m e n t i n p e r s o n . (1 )
B rin g a l l r e f e r e n c e s an d in fo rm a tio n re q u e s t' ed.
(2 )
P re p a re w hat you a r e g o in g
(3 )
D ress p r o p e r ly .
SCREENING SHEET:
How t o f i l l
to say.
out an a p p lic a tio n ,
b la n k . a.
W r i t e nam e i n f u l l a l s o
title
if
any.
13 b.
G iv e a d d r e s s .
{ C o m p le te p e r m a n e n t a d d r e s s . )
o.
L i s t te l e p h o n e num bers a l s o
th e tim e you c a n be
reach ed . d.
G iv e d a t e a n d p l a c e o f b i r t h .
(In fo rm a tio n
s h o u ld be d o c u m e n te d .) e.
S ta te p o s itio n d e s ire d .
f.
L i s t e d u c a ti o n a l d ip lo m a s o r d e g r e e s .
(In fo rm a
t i o n sh o u ld b e d o c u m e n te d .) g.
L i s t expe r i e n e e . (1)
Any w o r k e x p e r i e n c e w h i c h y o u h a v e h a d w i l l be an a s s e t to y o u .
(E)
S in c e you a r e y o u n g , m ost e m p lo y e rs w i l l n o t e x p e c t m uch w o rk e x p e r i e n c e .
(3)
T h ey d o f e e l t h a t a b o y o r g i r l
th a t has
w orked w i l l a d a p t h i m s e l f t o w ork c o n d i t i o n s a little (4)
b e t t e r t h a n o n e who h a s n o t .
I f y o u r w ork e x p e r i e n c e h a s b e e n u n f o r t u n a t e , it
w i l l pay in th e lo n g ru n t o answ er q u e s
tio n s about i t (5 )
h.
tru th fu lly .
It
i s b e t t e r t o a d m it f a i l u r e
it
d isc o v e re d l a t e r .
th a n to have
L is t re fe re n c e s . (1 )
No p e r s o n s h o u l d b e nam ed as; r e f e r e n c e s u n t i l p e rm issio n has been ask ed fo r and r e c e i ved.
14 (2)
S e l e c t p e r s o n s who w i l l g i v e a g o o d a c c o u n t of you.
(3 )
R e l a t i v e s a r e n o t a lw a y s r e g a r d e d a s good referen ces.
6.
(4 )
L i s t f o r m e r e m p l o y e r s ., t e a c h e r s ,
(5)
L i s t e m p lo y ed f r i e n d s .
(6)
L i s t p r o p e r ty ow ners,
i.
F i l l o u t fo rm , n e a t l y .
J,
A nsw er a l l q u e s tio n s , t o
Ic.
Be d e f i n i t e
SOURCE: a.
th e b e s t o f your a b i l i t y .
ab o u t your an sw ers. to g e t f u r t h e r a s s i s t a n c e .
C rabbe 4 7 2 -4 8 4 , 459;
b.
Ih ere
p rin c ip a ls.
59 1 -6 0 0 ;
H a m ilto n 1 2 6 -1 3 8 , 446-
P o lis h o o k 3 6 3 -3 7 3 .
F o r h e l p y o u c a n g o t o t h e l o c a l u n e m p lo y m e n t o ffic e .
G.
ACTIVITY ASSIGNMENTS:
F o rk t o a id you i n p r e p a r in g f o r
Jo b a p p l i c a t i o n . 1.
GENUINE:
A id s i n p r e p a r i n g f o r jo b a p p l i c a t i o n .
a.
A p p ly f o r a p a r t - t i m e
b.
Go t o p r i v a t e p a rt-tim e
c.
jo b d u r in g s c h o o l .
em ploym eart o f f i c e
and r e g i s t e r f o r
w ork.
Go t o s t a t e u n e m p lo y m e n t o f f i c e a n d r e g i s t e r f o r p a r t - t i m e w ork.
2.
SUPPLEMENTARY:
A id s i n p r e p a r i n g f o r
jo b a p p l i c a t i o n ,
a.
P r a c tic e a p p ly in g f o r a e r a s e m p lo y e r. a p p ly in g f o r p ro ced u re f o r
b.
j o b i n c l a s s w ith , t e a c h
D e m o n s t r a t e common e r r o r s
in
jo b s and g iv e c o rre s p o n d in g c o r r e c t each e r r o r .
P rep are a p o r tf o lio
i n w h ic h you w i l l h a v e t h e
fo llo w in g ,
D,
(1)
S o c ia l s e c u rity c ard .
(2 )
D a ta s h e e t .
(3 )
b e tte rs
(4 )
P ic tu re s
EVALUATION:
o f rec o m m e n d atio n . of y o u rs e lf.
S a m p le s o f some t y p e s o f c h e c k - u p s w h i c h
may b e a p p l i e d t o y o u r h a n d l i n g o f 1.
TRUE-FALSE: or fa ls e . T F a. C )( )
jo b g e t t i n g .
P la c e an X in th e c o r r e c t space f o r tr u e
When w r i t i n g a l e t t e r
of
s h o u ld s t a t e th e ty p e o f
a p p li c a t io n you p o s itio n d e sire d
in th e f i r s t p arag rap h . b.
( )(
)
You s h o u l d r e h e a r s e b e f o r e b e i n g i n t e r v ie w e d .
c.
( )(
)
It
is b e tt e r to
o v e rse ll
th a n u n d e r s e ll
d u rin g a n in te rv ie w , 2.
BEST ANSWER:
P la c e th e num ber o f th e b e s t a n sw e r i n
th e p a re n th e se s. a,
( }
When e n t e r i n g t h e s h o u l d : . (X |
in te r v ie w e r ’ s o f f i c e you
In tro d u c e y o u r s e lf ,
(2)
W a it
16 fo r th e
in te rv ie w e r to speak.
in te rv ie w e r your b u s in e s s c a rd .
(3 ) H and t h e (4 )
In fo rm
(1 )
Be
t h e i n t e r v i e w e r who s e n t y o u . b.
( )
D u rin g a n in te r v ie w you s h o u ld : o v e rm o d e st;
(2)
e n th u s ia s tic . 3.
BATING-'SCALE:
O v e rse ll y o u r s e lf.
(4} Be e a g e r .
P l a c e a n X i n e a c h s p a c e f o r w h ich
you q u a lif y . a.
C i Your h a i r i s w e ll k e p t.
b.
(
} It
c.
(
) Your s k in i s f r e s h
d.
C ) Y our hands an d m i l s
e.
(
) Your c l o t h e s a r e
f .
(
) Y our c lo t h e s f i t you w e l l.
g.
(
) Your s h o e s a r e s h i n e d .
h.
(
) You a r e s t a n d i n g e r e c t l y .
C
is
) T o ta l.
(3 )
c le a n . and c le a n . a re c le a n .
c le a n an d p re s s e d .
Be
CHAPTER 3 .
BUDGET CONSTRUCTION
HOW TO LIVE WITHIN YOUR INCOME: A p e r s o n may s a y ’’Why s h o u l d . I u s e a b u d g e t ? h a v e e n o u g h m o n ey t o b o t h e r w i t h . good in c o m e . n
I donrt
I ’ l l w a it u n t i l I have a
T h is i s a n u n w ise a t t i t u d e
f o r anyone to h a v e :
e v e n s m a l l in co m es an d e x p e n d i t u r e s s h o u l d b e b u d g e te d .
An
in c o m e o f $5 a w e ek w i l l b e s p e n t t o b e t t e r a d v a n t a g e i f b u d g e te d . p e rie n c e
To h a n d l e l a r g e a m o u n t s s u c c e s s f u l l y r e q u i r e s e x i n h a n d l i n g s m a l l e r sum s.
We s h a l l ,
th e re fo re ,
stu d y b u d g et c o n s tr u c tio n . A.
MOTIVATION:
B e n e f i t s t h a t y o u m ay d e r i v e f r o m l i v i n g
w ith in y our m eans. 1.
NO DEBTS:
B u d g e t i n g y o u r m o n ey w i l l p r e v e n t y o u f r o m
s p e n d i n g m o n ey y o u d o n o t h a v e . 2.
EASE OF MIND:
No n e e d t o w o r r y a b o u t b i l l c o l l e c t o r s
rin g in g your door b e ll a t 3.
t h e e n d o f th e m o n th .
KNOWLEDGE OF WHERE YOUR MONEY GOES: o f h a v in g to
A v o id s n e c e s s i t y
s a y ’’w h a t h a p p e n e d t o t h a t l a s t t e n I
had?” 4.
EAT REGULARLY:
B u d g e tin g w i l l a s s u r e e q u a l d i s t r i
b u t i o n o f f u n d s t h r o u g h o u t t h e m o n th . B.
DIRECTIONS: 1.
M e th o d s o f c o n s t r u c t i n g y o u r b u d g e t .
SALARY AND INVESTMENTS: a.
L i s t m o n th ly s a l a r y .
How t o
i t e m i z e y o u r in c o m e ,
b.
L i s t - m oney" r e c e i v e d , f r o m odd. j o b s .
c.
L is t p r o f its Cl)
P ro p e rty .
(2 )
S to c k s and b o n d s.
(3 )
In te re st
EXPENDITURES: a.
from i n v e s tm e n t s .
How t o i t e m i z e y o u r e x p e n s e s
L is t e s s e n tia ls . C l) . Food.
b.
e.
d.
f.
(a)
H o u sin g .
C3)
G lo th in g .
L is t o p e ra tin g c o s ts . (1)
H o u seh o ld .
Ca)
P e rso n a l.
C3)
A u to m o b ile .
L is t m e d ic a l e x p e n s e s . Cl)
D o c to r«
Ca)
D e n tis t.
( 3)
H o s p ita l,
L is t e d u c a t i o n a l e x p e n s e s Cl)
T u itio n .
Ca)
B oohs.
( 3)
S o c ia l a c t i v i t i e s .
L is t g i f t s and d o n a tio n s. Cl)
G hurch.
(2 ) g.
£l .
5*
A n n iv e rsa rie s,
L is t in v e s tm e n ts and s a v in g s . (1 )
B ank s a v i n g s .
(2 )
S to c k s and bonds.
L is t o th e r a s s e ts . Cl)
L if e in su ra n c e .
(2 )
A u to m o b ile p a y m e n ts .
(3 )
H ouse p a y m e n ts .
DISTRIBUTION OF EXPENDITURES: a.
b,
How t o b u d g e t .
U se p e r c e n t a g e m e th o d o f b u d g e t i n g . (1)
S e t up p e rc e n ta g e f ig u r e f o r each ex p en se.
(2)
U se n a t i o n a l e s t i m a t e s f o r y o u r f i g u r e s .
F o llo w t h i s p a t t e r n . Ite m s.
P ercen t o f In c o m e 2 8 .0
Food. H o u s in g , l i g h t ,
gp.s.
3 0 .6
H o u s e h o ld , o p e r a t i o n .
4 .3
F u rn ish in g ,
3 .3
C lo th in g .
8 .5
A u to m o b ile s.
5 .4
O th e r t r a n s p o r t a t i o n .
1 .0
P erso n al c a re .
1 .0
M e d ic a l c a r e .
3 .1
Ite m s.
P e rc e n ta g e o f I n c om e.
R e c re a tio n .
2 .6
T obacco.
l.a
R e ad in g .
1 .0
E d u c a tio n .
.8
O th e r.
.6
G ifts.
2 .4
S a v in g s.
6 .2 1 0 0 .0
T o ta l. 4.
SOURCE: a.
H h e r e to- g e t f u r t h e r a s s i s t a n c e .
C rabbe 1 1 9 -1 4 1 ;
H a m ilto n 8 1 -9 8 ;
P o lish o o k 30-
37. h.
J a c k s o n , H u g h J . , S a n d e r s , Thom as H e n r y , a n d S p r o u l , H ugh A . , B o o k k e e p i n g a n d B u s i n e s s Know le d g e .
c.
G in n a n d C om pany, B o s t o n ,
1926.
L ocal p u b lic a c c o u n ta n ts .
ACTIVITY ASSIGNMENT:
Work t o a i d y o u i n p r e p a r i n g a
b u d g e t. 1.
2.
GENUINE:
A id s i n p r e p a r i n g a b u d g e t.
a.
C o n stru c t a b u d g et fo r y o u r fa m ily .
b.
P r e p a r e a b u d g e t o f y o u r own a l l o w a n c e .
SUPPLEMENTARY: a.
A id s i n p r e p a r in g a b u d g e t.
P re p a re a b u d g e t from th e - f a llo w in g ite m s .
(1 )
June 1 .
(2 )
B a la n c e on h a n d $ 1 2 .3 0 .
2.. B e n e v o l e n c e - , 1 5 c e n t s * *
(3 )
3.
C arfare,
50 c e n t s ;
l u n c h , 25 c e n t s ;
p e r s o n a l , 30 c e n t s ; w e e k l y a l l o w ance , $ 1 .5 0 . (4 )
4 . L u n c h , 20 c e n t s ; r e n t o f s c h o o l b o o k s ., 50 c e n t s ; n o t e b o o k f o r s c h o o l , 20 c e n t s ;
e n te rta in m e n t,
45 c e n t s . (5 )
5 . L u n c h , 22 c e n t s ;
(6 )
6 . L u n c h , 18 c e n t s ; c a r f a r e 40 c e n t s ; t i c k e t
(7)
7 . L u n c h , 20 c e n t s ;
candy, 5 c e n ts. t o sh o w ,
t o sh o w , # 1 . c a n d y , 10 c e n t s ;
p e r s o n a l , 30 c e n t s ; p a p e r a n d p e n c i l s f o r sc h o o l,
25 c e n t s ;
e a rn in g s
f o r th e w eek fro m p a p e r r o u t e , (8 )
$ 2 .3 7 .
8 . G le a n in g o f a s u i t , $ 1 ; S a v in g s , $ 2 ; w ages f r o m t h e d r u g g i s t f o r d e l i v e r i n g p a c k a g e s , $ 1 .2 5 .
EVALUATION:
S a m p le s o f e v a l u a t i o n i n s t r u m e n t s w h ic h y o u
may e m p l o y t o c h e c k b u d g e t i n g . 1.
TRUE-FALSE: or fa lse . T F a* ( H )
P la c e an X in th e c o r r e c t space f o r tru e
You s h o u l d p l a n y o u r b u d g e t b e f o r e c a s h i n g
your pay check. b.
C ){
)
When m a k i n g a b u d g e t y o u s h o u l d l i s t in c o m e a n d e x p e n s e i n t h e sam e c o l u m n .
c.
( ) ( )
Y ou s h o u l d u s e t h e p e r c e n t m e t h o d w hen s e t t i n g up a b u d g e t.
B IST ANSWER:
P la c e t h e num ber o f th e b e s t a n s w e r
in th e p a re n th e se s. a.
( }
When m a k i n g a b u d g e t y o u s h o u l d l i s t in g a s :
(1 ) H o u s e h o l d e x p e n s e .
a tio n a l expense.
c lo th
(2 ) R e c r e
(3 ) P e r s o n a l e x p e n s e .
(4} O p e r a t i n g e x p e n s e s . b.
( )
Y ou s h o u l d l i s t l i f e r e a tio n a l expense. sa v in g s. c o sts.
(3)
i n s u r a n c e a s : (1 ) R e c (2 )
In v e s tm e n ts and
O th e r.a s s e ts .
(4)
O p e ra tin g
CHAPTER 4 .
PROFIT AND LOSS
HOW TO FIL E YOUR INCOME TAX RETURNS U n d e r t h e p r e s e n t F e d e r a l in c o m e t a x l a w , i n d i v i d u a l s pay a l l
o r a l a r g e p a r t o f t h e i r F e d e r a l p e r s o n a l in c o m e t a x
d u r i n g t h e y e a r i n w h ich t h e y r e c e i v e t h e i r in c o m e .
The t a x
i s w i t h h e l d b y e m p l o y e r s f r o m w a g e s o r s a l a r i e s o f t h o s e who re c e iv e
th e ir
in q u a rte rly
in c o m e f r o m t h a t s o u r c e .
O r, t h e
ta x is p a id
i n s t a l l m e n t s a s e s t i m a t e d t a x b y t h o s e who r e
c e i v e t h e i r in c o m e f r o m o t h e r s o u r c e s . re q u ire d to f i l e
Each ta x p a y e r i s
a n in c o m e t a x r e t u r n a t t h e e n d o f e a c h y e a r
a t w h i c h t i m e a n a d j u s t m e n t i s m ade f o r a n y u n d e r p a y m e n t o r o v erp ay m en t o f t a x .
We s h a l l ,
th e re fo re ,
s t u d y how t o p r e
p a r e a n in c o m e t a x r e t u r n . A.
MOTIVATION:
R e w a r d s t h a t m ay come f r o m p r o p e r f i l i n g
of
y o u r in c o m e t a x f o r m . 1.
SAVE ADDITIONAL FEES: p rev en t c o s tly fin e s
P r o p e r h a n d l i n g o f form s- w i l l i m p o s e d by t h e g o v e r n m e n t f o r
erro rs. R.
STAY WITHIN LAW:
3,
REBATE:
J a i l te rm s a r e im p o sed f o r f r a u d .
C a r e f u l c o m p u t a t i o n m ay r e s u l t i n a f i n a n
c i a l re im b u rse m e n t. 4.
HELP OTHERS:
M a rc h 4 t h p r e s e n t s p r o b l e m s f o r e v e r y
o n e , a n d y o u r c o m m u n ity w i l l w e lco m e y o u r k n o w l e d g e . B.
DIRECTIONS: 1.
M e th o d s o f f i l i n g
UNDER ^ 5 , 0 0 0 :
y o u r in c o m e t a x .
How t o p r e p a r e t h e
s h o r t f o r m . ( 1 0 4 0 A .}
24 a.
do t o
t h e n e a r e s t TJ, S .
T r e a s u r y D e p artm en t
I n t e r n a l R evenue S e r v ic e . b.
G e t f o r m 1Q40A.
c.
F ill
d.
P r i n t name a n d a d d r e s s .
a,
L i s t s o c i a l s e c u r i t y num ber.
f.
S ta te
o c c u p a tio n .
g.
S ta te
if
h.
L i s t d e p e n d e n ts .
i.
J.
out fo rm ,
it
i s to be a
jo in t re tu rn .
(1 )
Fam e,
(2)
R e la tio n s h ip .
(3 )
ild d re ss .
(4)
C an n o t h a v e e a r n e d o v e r $ 5 0 0 .
L i s t in c o m e f r o m w a g e s , (1 )
Name o f e m p l o y e r .
(2 )
W h ere e m p l o y e d .
(3)
In c o m e t a x w i t h h e l d .
(4)
T o ta l w ages.
E n te r t o t a l o f i n t e r e s t , n o t show n a b o v e .
d iv id e n d s,
If th is
ite m i s
a n d a n y w ages
o v e r $100 u s e
fo rm 1040, k.
Add i t e m s
” i ,f a n d
I f t o t a l i s m o re t h a n
$ 5 ,0 0 0 u s e fo rm 1 0 40. 1.
S t a t e w h e t h e r y o u owe f e d e r a l t a x f o r a n y p r i o r
y ear. m.
S t a t e l a s t y e a r youf i l e d
r e t u r n s a n d .w h .e r e .
n.
A tta c h a l l y o u r o r i g in a l w ith h o ld in g
sta te m e n ts
( f o r m s W -2 .) 0.
S i g h name a n d d a t e .
p V > M a i l t o U. S . T r e a s u r y D e p a r t m e n t o f I n t e r n a l R e v e n u e , T a x D i v i s i o n , W a s h i n g t o n , D . G. OVER $ 5 , 0 0 0 : a.
How t o p r e p a r e t h e l o n g f o r m .
Go t o n e a r e s t U . S . T r e a s u r y D e p a r t m e n t I n t e r n a l R evenue S e r v i c e .
b.
G et form 1040.
c.
F ill
d.
P r i n t name a n d a d d r e s s .
e.
L i s t s o c i a l s e c u r i t y num ber ,
f.
S ta te o c c u p a tio n .
g.
S ta te
h.
L i s t d e p e n d e n ts .
1.
(1 0 4 0 .)
o u t fo rm .
if
it
is
to be a
jo in t re tu rn .
(1 )
N am e.
(2 )
R e la tio n s h ip .
(3 )
A ddress.
(4 )
N um ber o f d e p e n d e n t s .
L i s t in c o m e f r o m w a g e s . (1 )
Name o f e m p l o y e r .
(£}
W here e m p l o y e d .
(3 )
In c o m e t a x w i t h h e l d ,
(4 )
T o ta l w ages.
E n te r d iv id e n d s . E n te r i n t e r e s t . E n t e r o t h e r in co m e. T o ta l fo r
g r o s s in co m e.
E n te r d e d u c tio n s , (1 )
C o n t r i b u t i o n s , n o t i n e x c e s s o f 15 p e r c e n t o f g r o s s in co m e.
(£}
I n t e r e s t on l o a n s ,
e tc .
(3 )
T a x e s on p r o p e r t y ,
e tc .
(4 )
L o sses fro m f i r e s ,
sto rm s,
tie s, (5 )
or th e f ts .
M e d i c a l a n d d e n t a l e x p e n s e s . N ot i n e x c e s s of 5 p ercen t
(6)
or o th e r c a su a l
o f g r o s s in c o m e .
M isc e lla n e o u s.
S u b t r a c t d e d u c t i o n s fro m g r o s s in c o m e . M u l t i p l y $60Q b y t o t a l n u m b e r o f d e p e n d e n t s . S u b t r a c t ”p re f r o m " o . " U se t h e f o l l o w i n g f o r m i f
sin g le
or a m a rrie d
p e r s o n m ak in g a s e p a r a t e r e t u r n . (1 )
F ro m l e t t e r
nq M f i g u r e
use of in s tr u c tio n (2 )
I f te n ta tiv e
te n ta tiv e
tax . w i th
sh e e t.
ta x is n o t over #400, e n te r
17$ o f t e n t a t i v e (3 )
I f te n ta tiv e $ 1 0 0 ,0 0 0 ,
ta x .
ta x i s
o v e r $ 4 0 0 tout n o t o v e r
e n t e r #68 p l u s 1 2 $ o f th e e x c e s s
ov er #400. (4 )
I f te n ta tiv e ta x is
o v e r # 1 0 0 ,0 0 0 , e n t e r
# 1 2 ,0 2 0 p l u s 9 .7 5 $ o f t h e e x c e s s o v e r
$1 0 0 , 0 0 0 . (5 )
S u b tra c t ta x .
(2 ),
(3 ),
or
(4 )
from t e n t a t i v e
T h is i s y o u r co m b in ed n o rm a l t a x an d
su rta x . U se t h e f o l l o w i n g fo rm i f
th is
is a
jo in t re tu rn
o f h u sb an d and w if e . (1)
Take § o f l e t t e r
" q ."
(2 )
F ig u re t e n t a t i v e
ta x w ith u se o f i n s t r u c t i o n
sh e e t. (3 )
If te n ta tiv e
ta x is
n o t over $400, e n te r
1 7 $ on t e n t a t i v e t a x . (4 )
I f te n ta tiv e $ 1 0 0 ,0 0 0 ,
ta x is
o v e r $400 b u t n o t o v e r
e n t e r $68 p l u s 1 2 $ o f t h e e x c e s s
over $400. (5 )
I f te n ta tiv e
ta x is
o v e r $ 1 0 0 ,0 0 0 ,
$ 1 2 ,0 2 0 p l u s 9 .7 5 $ o f th e
excess
e n te r over
#1 0 0 , 0 0 0 . (6 )
S u b tra c t
(3 ),
(4 ),
or
(5 ) f r o m t e n t a t i v e
ta x .
28 M u ltip ly
th is
fig u re
by tw o .
T h is i s y o u r
co m b in ed n o r m a l t a x a n d s u r t a x . 3.
SOURCE:
W here t o g e t f u r t h e r a s s i s t a n c e .
a.
P o lis h o o k 1 2 9 -1 4 2 .
b.
A ltm a n , G eorge T i l d e n , T a x a tio n .
I n tro d u c tio n to F e d e ra l
C o n s u m e r s C l e a r i n g H o u s e , I n c . , Mew
Y ork, 1940. c*
C a l i f o r n i a P e r s o n a l I n c o m e T ax A c t ,
1945. C a li
f o r n i a S t a te P r i n t i n g O f f i c e . , S a c ra m e n to , 1943. d. C.
L o c a l F e d e r a l B ureau o f I n t e r n a l R evenue.
ACTIVITY ASSIGNMENTS:
Work t o do t o h e l p y o u f i l l
out
y o u r in c o m e t a x f o r m . 1.
GENUINE:
A ssig n m e n ts t h a t
w ill h e lp you f i l l
out
y o u r in c o m e t a x f o r m . a.
P re p a re yo u r f a m ily 's
b.
P rep are
to f i le
incom e t a x f o r m .
a n in c o m e t a x f o r m f o r y o u r e a r n
in g s . 2.
SUPPLEMENTARY:
A ssig n m e n ts t h a t w i l l h e lp you f i l l
o u t y o u r incom e t a x fo rm . a.
Work o u t p o s s i b l e e a r n i n g s f o r t h e y e a r a n d f i l l out a c c o rd in g ly .
b.
U s in g # 2 ,8 0 0 a s th e y e a r l y w o u ld y o u p a y u s in g th e h av e b e e n m ade.
in c o m e how m uch t a x
s h o r t fo rm ?
No d e d u c t i o n s
29 D.
EVALUATION:
S a m p l e s o f some t y p e s o f c h e c k - u p s w h i c h
m ay b e a p p l i e d 1.
t o in c o m e t a x f o r m s .
TRUE-FALSE: or fa ls e . T F a. ()( )
P l a c e a n X in. t h e c o r r e c t s p a c e f o r t r u e
You s h o u l d u s e t h e s h o r t f o r m w h e n y o u r in c o m e i s
b.
( )(
)
$ 5 ,0 0 0 o r a b o v e .
I f y o u r d e d u c tio n s a r e b ig y o u ,s h o u ld a tte m p t to use th e
lo n g fo rm e v e n th o u g h
y o u r .in c o m e i s b e lo w $ 5 ,0 0 0 . c.
( )(
)
You s h o u l d l i s t a u t o m o b i l e l i c e n s e t a x a s a. d e d u c t i o n .
2.
BEST ANSWER:
P la c e
t h e n u m b er o f t h e b e s t an sv /er i n
th e p a re n th e s e s . a.
( )
When s t a t i n g t h e a m o u n t o f y o u r m e d i c a l f e e s you sh o u ld :
(1 ) E s t i m a t e a m o u n t .
f l a t 5 fa.
C heck y o u r r e c e i p t s .
(3 )
(2 ) U se (4 ) C h e c k
w ith y o u r d o c to r. b.
(}
Y ou s h o u l d u s e a j o i n t f o r m i f : have d e p e n d e n ts. (3 ) Y ou a r e
3.
RATING SCALE:
(1 ) You
(2 ) You a r e m a r r i e d .
sin g le .
(4 ) You a r e d i v o r c e d .
P l a c e a n X i n e a c h s p a c e w h ic h you
h a v e c o r r e c t on y o u r in c o m e t a x f o r m . a.
()
L i s t i n g of d e p e n d e n ts .
b.
()
L i s t i n g o f in c o m e f r o m w a g e s .
©.
( )
E n te rin g o f t o t a l o f i n t e r e s t and d iv id e n d s.
d.
( )
L i s t i n g o f incom e t a x w i t h h e l d .
e.
( )
A tta c h m e n t o f o r i g i n a l
.
( )
M a i l i n g a d d r e s s o f incom e f a x fo r m .
f
C
)
w ith h o ld in g f o r m s .
T o ta l.
PRECISION DEVICES:
E v a l u a t e in c o m e t a x r e s u l t s
in
th e f o llo w in g m anner. a
.
F o r c o m p u t i n g p e r s o n a l in c o m e t a x . an sw er w ith th e am ount l i s t e d
C om pare t h e
on page 4 o f th e
I n t e r n a l R e v e n u e T a x F o rm 1 0 4 0 .
CHAPTER 5 .
GUARANTEED PROTECTION
HOW TO PROTECT YOUR FUTURE WITH INSURANCE By H i s own e f f o r t s a p e r s o n c a n d e c r e a s e H i s e c o n o m i c risk s,
b u t h e c a n n o t rem o v e th e m .
a p e r s o n may b e ,
th e re
R e g a r d l e s s o f how c a r e f u l
is a p o ss ib ility
j u r e d i n a n a c c i d e n t o r may b eco m e s i c k . c a p a b l e h e may b e ,
th e re
t h a t h e may b e i n R e g a r d l e s s o f how
i s a c h a n c e t h a t some c h a n g e i n i n
d u s t r y may t a k e a w a y h i s
Job.
R e g a r d l e s s o f how c a r e f u l l y
he w a tch e s h i s p r o p e r t y ,
th e re
i s d a n g e r t h a t som e o f i t may
b e dam aged o r s t o l e n . n o t re m o v e t h e m .
C a r e may d e c r e a s e r i s k s ,
In su ran ce
in g o f a S id e v a r i e t y
does
c o m p a n i e s m ake p o s s i b l e t h e s h a r
of ris k s .
We s h a l l , t h e r e f o r e ,
th e v a r io u s ty p e s of in su ra n c e c o v e rin g th e s e A . nMOTIVATION:
but i t
stu d y
risk s.
B e n e f i t s w h i c h y o u may r e c e i v e f r o m i n s u r
ance. 1.
FAMILY PROTECTION:
P ro p e r s e le c tio n o f in su ra n c e
w i l l p r e v e n t t h e f u t u r e f i n a n c i a l p ro b lem s o f y o u r lo v e d o n es. 2.
INDIVIDUAL SECURITY:
C o rre c t c h o ic e o f in s u ra n c e
w i l l p r o t e c t you from d e b t i n c a s e of a c c id e n t o r se rio u s 3.
illn e s s .
OLD AGE RETIREMENT:
In te llig e n t s e le c tio n of in su r
ance to d a y w ill a ssu re f u tu r e PROPERTY PROTECTION:
se c u rity .
A p p ro p ria te ty p e s o f in su ra n c e
3H w i l l sa v e f i n a n c i a l l o s s e s due t o p r o p e r t y B.
DIRECTIONS: 1.
dam age.
M e th o d s o f p r o t e c t i o n .
PROPERTY INSURANCE:
How t o p r o t e c t y o u r p e r s o n a l
b e lo n g in g s . a.
b.
c.
* d.
2.
Buy f i r e
in su ra n c e ..
(1 )
H ouse.
(2)
F u rn itu re .
(3)
C lo th in g .
Buy b u r g l a r y
in su ra n c e .
(1 )
B reakage.
(2 )
T h e ft.
Buy p r o t e c t i o n f r o m e l e m e n t s . (1 )
E arth q u a k e s.
(2)
S to rm s.
Buy p r o t e c t i o n a g a i n s t l o s s . (1 )
Je w e ls ,
(2 )
F u rs.
AUTOMOBILE INSURANCE: a.
How t o p r o t e c t y o u r a u t o m o b i l e ,
Buy a u t o m o b i l e i n s u r a n c e . (1 )
F ire
and t h e f t .
(2 )
P r o p e r ty dam age.
(3 )
L ia b ility .
(4 )
In ju ry .
(5 )
C o m p reh e n siv e.
(6 )
C o n v e rtib le o r d e d u c ta b le .
TERM INSURANCE:
How t o p r o t e c t y o u r s e l f f o r a s h o r t
p e r io d o f tim e . a.
b.
Buy t e r m i n s u r a n c e . (1 )
C o v e rag e fro m 5 t o 10 y e a r s .
(2)
P a y m en ts s m a l l .
(3 )
In su ran ce is
(4 )
A c q u ire d w ith o u t m e d ic a l e x a m in a tio n .
(5)
H a s no c a s h s u r r e n d e r v a l u e .
(6 )
P a y s no p r e m i u m s .
(7)
Pays d e a th b e n e f its
(8 )
H as no p a id - u p v a lu e .
c o n v e rtib le .
o n ly .
Buy o n l y a s a t e m p o r a r y m e a n s o f p r o t e c t i o n .
ORDINARY L IF E INSURANCE;
How t o g i v e y o u r s e l f o v e r
a l l p ro te c tio n . a.
Buy o r d i n a r y l i f e
in su ra n c e .
(1 )
P r e m iu m s s m a l l i f
s t a r t e d a t an e a r l y a g e .
(2 )
W e e k ly t o a n n u a l p a y m e n t s a s y o u d e s i r e .
(3)
P o lic y
(4 )
F u l l b e n e f i t s p a id o n iy upon d e a th or upon
has cash s u rre n d e r v a lu e .
r e a c h i n g 96 y e a r s o f a g e . b.
Buy a s a m e a n s o f p e r m a n e n t p r o t e c t i o n f o r mod e ra te
in c o m e g r o u p .
ENDOWMENT INSURANCE: sp e c ific
d a te .
(# 2 0 0 0 . t o $ 5 0 0 0 .)
How t o
s e t up paym ent fo r. a
a.
Buy e n d o w m e n t i n s u r a n c e . (1 )
E sta b lish , s p e c if ic d a te
o f paym ent 10, 15,
o r ' 25 y e a r s o r t o a s p e c i f i c a g e . (2)
P re m iu m s h i g h .
(5 )
C ash s u r r e n d e r v a l u e any tim e a f t e r is
(4 )
in
e f f e c t f o r two y e a r s .
B e co m es p a i d u p p o l i c y a t d a t e or b efo re
b.
p o lic y
sp e c ifie d
in c a se o f d e a th ,
Buy a s a m e a n s o f e s t a b l i s h i n g a lum p sum
pay
m en t. c.
Buy f o r e d u c a t i o n a l p u r p o s e s .
ANNUITY INSURANCE: a.
Buy a n n u i t y
How t o
e s ta b lis h re tire m e n t.
in su ra n c e .
(1)
V ery e x p e n s i v e .
(2 )
Lump sum o r a n n u a l p a y m e n t s .
(3 )
In su red
o n ly f o r
am ount p u ti n t o . p o l i c y
up u n t i l tim e o f d e a th . (4 )
P a y m e n ts c o n t i n u e a f t e r d e a t h
to
your bene-
fic ia ry . b.
Buy p o l i c y
o n ly to
e sta b lis h re tire m e n t.
c.
Buy p o l i c y
o n l y when y o u h a v e a t t a i n e d
HEALTH AND ACCID'MT INSURMCE: s e lf a g a in st lo s s a.
se c u rity .
How t o p r o t e c t y o u r
of pay.
Buy h e a l t h a n d a c c i d e n t i n s u r a n c e .
35 (1 )
F u rn ish e s p r o te c tio n a g a in s t lo s s due to
(2 )
sic k n e ss or a c c id e n t.
C ash s e t t l e m e n t i n t h e e v e n t o f i n j u r y eye,
(3)
o f pay
hand,
to
or fo o t.
D e ath b e n e f i t p a i d ' i n
case of a c c id e n ta l
d e a th . (4 )
P o l i c i e s a r e w r i t t e n f o r one y e a r .
(5 )
P re m iu m s b a s e d on a m o u n t o f d a n g e r i n v o l v e d in
jo b .
(6 )
P o lic y
(7)
In e v en t of sic k n e ss b ill
8.
h a s no c a s h s u r r e n d e r o r lo a n v a l u e .
and
o r a c c id e n t,
h o sp ita l
w e ek ly b e n e f i t s w i l l be p a i d .
OLD AGSAND SURVIVOR'S INSURANCE:
How t o c o l l e c t
fro m g o v ern m en t a g e n c i e s . a.
V isit
o r w r i t e t h e n e a r e s t S o c i a l S e c u r i t y B oard
u p o n r e a c h i n g 65 y e a r s
of a g e.
b.
B rin g y o u r b i r t h
c e rtific a te .
c.
T ake y o u r s o c i a l s e c u r i t y / c a r d .
d.
F ile
y o u r c la im f o r o ld age b e n e f i t s .
(1 )
I n te r v ie w e r w i l l ta k e c a re o f you.
(£}
You a r e p e r m i t t e d t o , h a v e a n i n c o m e .
(3 )
No s a l a r i e d
(4 )
You w i l l r e c e i v e a s t a t e m e n t o f e a r n i n g s a ls o
jo b i s p e r m i t t e d .
am ount you a r e t o r e c e i v e .
(5 )
Y ou w i l l r e c e i v e y o u r m o n t h l y c h e c k f o r a n y m o n th d u r i n g 'w h i c h y o u h a v e n o t e a r n e d i n e x c e ss of $ 1 4 .9 9 ,
e.
B e n e fic ia ry f i l e s
f o r b e n e f i t s upon d e a th o f i n
su red . Cl)
P a y m en ts c o n t i n u e u n t i l d e a t h a t lu m p sum p a y m e n t s a r e m ade t o
(2 )
th a t
tim e
su rv iv o r.
S u rv iv o r’s b e n e f it in su ra n c e a p p lie s upon d e a th im m a te ria l o f a g e .
9.
UNEMPLOYMENT INSURANCE.:
How t o c o l l e c t f r o m s t a t e
a g e n c ie s. a.
Go t o
s ta te
u n e m p lo y m e n t o f f i c e a t
tim e o f d i s
m is s a l. (1 )
F ill
o u t a p p l i c a t i o n fo rm .
(2 )
See i n te r v ie w e r ,
(3 )
C la im w i l l be a llo w e d o r d e n ie d w i t h i n a one w eek w a i ti n g p e r i o d .
b;
R e p o r t t o u n e m p lo y m e n t o f f i c e w e e k l y .
c.
S ta te
t h a t y o u w e re a v a i l a b l e f o r w o r k b u t u n a b l e
t o f i n d e m p lo y m en t. d. 10.
P i c k u p y o u r m oney a t
SOURCES: a.
t h e c a s h i e r ’ s w in d o w .
W here t o g e t f u r t h e r a s s i s t a n c e .
C rabbe 2 4 1 -3 3 5 ; 92 -1 2 2 .
H a m ilto n 2 5 4 -2 7 4 ;
P o lish o o k
b.
D u b l i n , L o u i s I . , , a n d L o t k a , A l f r e d J . , The M oney V a l u e o f a M an. New Y o r k ,
G.
The R o n a l d P r e s s G o*,
1947.
c.
Go t o a n y l o c a l i n s u r a n c e a g e n t .
d.
P a m p h le ts p u b lis h e d by a l l i n s u r a n c e c o m p a n ie s.
ACTIVITY ASSIGNMENTS:
Work t o
do t o h e l p y o u s e l e c t
th e
p ro p er in su ra n c e . 1.
GENUINE:
A s s i g n m e n t s w h ic h w i l l h e l p
you s e l e c t
p ro p er in su ra n c e . a.
Buy i n s u r a n c e a n d l e t
te a c h e r and c la s s e v a lu a te
y o u r p u rch a s e . b.
In te rv ie w in su ra n c e to c la s s fo r
2..
SUPPLEMENTARY:
sa le sn a n ;
b rin g in fo rm a tio n
e v a lu a tio n . A ssig n m e n t t h a t w i l l h e l p you s e l e c t
p ro p er in su ra n c e . a.
S e le c t a ty p e o f in s u ra n c e fitte d
b.
th a t you th in k i s
best
f o r y o u r n e e d s a n d ba/ve t e a c h e r e v a l u a t e .
W rite a n i n s u r a n c e p o l ic y t h a t w i l l f i t
your needs
and have c la s s e v a lu a te . EVALUATION:
S a m p l e s o f som e t y p e s o f c h e c k - u p s w h i c h may
be a p p lie d to in s u ra n c e . 1.
TRUE-FALSE: or fa ls e . T F a. ( )( )
P la c e an X i n t h e c o r r e c t s p a c e f o r
To p r o t e c t y o u r h o u s e a g a i n s t f i r e
tru e
you
38 sh o u ld bpy p r o p e r ty in s u r a n c e . b,
( H
)
You s h o u l d
buy term in s u r a n c e to a v o id
h ig h p rem iu m s. c.
( ) C )
You s h o u l d
buy o r d in a r y l i f e
in su ra n c e
to e s ta b lis h an e d u c a tio n a l p o lic y . BEST ANSWER:
P la c e
t h e .n u m b e r o f t h e b e s t a n s w e r i n
th e p a r e n th e s e s . a.
( }
When y o u i n s u r e a n o l d c a r t h e c o v e r a g e y o u s h o u ld o m it i s : L ia b ility .
b.
C}
(3 )
When y o u w a n t
(1 ) F i r e a n d t h e f t . C o m p reh e n siv e.
(4 ) RATING SCALE:
(2)
In ju ry .
to i n s u r e y o u r s e l f f o r a s h o r t
p e r i o d o f tim e i t n u ity .
(4 )
(2 )
is
b e st to buy:
O rd in a ry l i f e .
(3 )
(l)
A n
E n d o w m en t.
T e rm . P l a c e a n X i n e a c h s p a c e f o r w h ic h you
know t h e a n s w e r . a
.
)
How t o p r o t e c t y o u r p e r s o n a l p r o p e r t y ?
b.
)
How t o p r o t e c t y o u r a u t o m o b i l e ?
c.
}
How t o p r o t e c t y o u r s e l f f o r a s h o r t p e r i o d o f tim e ?
d.
)
How t o g i v e y o u r s e l f o v e r a l l p r o t e c t i o n ?
e.
)
How t o s e t u p payiiB n t f o r
f.
)
How t o e s t a b l i s h r e t i r e m e n t ?
}
s p e c i f i c d a te ?
How t o p r o t e c t y o u r s e l f a g a i n s t l o s s o f p a y ?
) Tot a l .
39 CHAPTER 6 .
BANKING
HOW TO DEPOSIT AND WITHDRAW MONEY FROM A BANK It th rift and a i d
is
to o th g o o d l o u s i n e s s a n d g o o d s e n s e t o p r a c t i c e
w ith m oney. us in
T h e r e a r e m any a g e n c i e s w h i c h e n c o u r a g e
th e w ise
sp e n d in g ,
in v e s tm e n t o f o u r m oney. liv e
re g u la r sa v in g , and c a re fu l
The p e r s o n who m a k e s i t
a ru le
to
w i t h i n h i s m e a n s a n d who r e g u l a r l y s a v e s s o m e t h i n g o u t
o f h i s in c o m e h a s a f i n e s t a r t o n t h e r o a d t o g o o d c i t i z e n s h ip and s u c c e s s fu l liv i n g .
We s h a l l ,
t h e r e f o r e , stu d y hank
in g p ro c e d u re s . A.
MOTIVATION;
Y a l u e y o u may r e c e i v e f r o m s k i l l f u l h a n k i n g .
1 . MONEY'KNOW HOW:
P r o p e r h a n d l i n g o f m oney w i l l i n s u r e
a n o m i n a l sum on h a n d f o r e m e r g e n c i e s * 2.
MONEY PROTECTION:
Money i s
safe
fro m l o s s o r ro b to ery .
G o v ern m en t o f f e r s p r o t e c t i o n f r o m h a n k m ism a n a g e m e n t. 3.
KNOW YOUR ASSETS:
Your h an k hook i s a c u r r e n t r e c o r d
o f m oney o n h a n d . 4.
IMMEDIATE CASH: is needed. f o r th e
B.
DIRECTIONS: 1.
Money i s e a s i l y o b t a i n a b l e w h en i t
Banks a r e
lo c a te d
in v a rio u s l o c a l i t i e s
c o n v e n ie n c e o f th e c u s to m e r. M e th o d s o f b a n k in g o p e r a t i o n s .
OPENING THE ACCOUNT:
How t o
d e p o sit in a sa v in g s
a c c o u n t* a.
S e l e c t a w e l l knovm b a n k i n y o u r c i t y .
40 b.
Go t o
th e n e i account s e c tio n o f th e bank.
c.
T e ll th e t e l l e r you w ant to
open a sa v in g s a c
count . d.
G iv e b u s i n e s s r e f e r e n c e s .
e.
F i l l out sig n a tu re c ard .
f.
(1)
S i g n y o u r nam e i n f u l l .
(2 )
? Jrite a s you u s u a l l y do.
F i l l out d e p o sit s lip . (1 )
C heck y o u r f i g u r e s .
(2 )
Take d e p o s i t to
(3 )
He w i l l r e c o r d a m o u n t i n t h e n e w b a n k b o o k
te lle r.
and g iv e you th e b a n k book. (4 )
C h e c k a m o u n t' d e p o s i t e d a g a i n s t b a n k b o o k b a la n c e .
2.
WITHDRAWALS:
How t o t a k e m o n e y o u t o f a s a v i n g s
a c c o u n t. a.
Take y o u r b a n k book t o y o u r b a n k .
b.
F i l l o u t w ith d ra w a l s l i p
f o r am ount o f m oney y o u
w a n t. c.
G iv e y o u r b a n k b o o k an d w ith d r a w a l s l i p
to th e
te lle r. (1 )
He w i l l s u b t r a c t a m o u n t o f w i t h d r a w a l f r o m bank book b a la n c e .
(2 )
You w i l l r e c i e v e c a s h .
41 d.
C heck y o u r b a n k b a la n c e t o s e e i f
th e t e l l e r
su b tra c te d c o rr e c tly . 3.
OPENING A CHECKING ACCOUNT:
How t o d e p o s i t i n a
c h e c k in g a c c o u n t. a.
S e l e c t a w e l l know n b a n k i n y o u r c i t y .
b.
Go t o
c.
T e .l l. . t h e t e l l e r y o u w a n t t o o p e n a c h e c k i n g a c -
t h e new a c c o u n t s e c t i o n o f t h e b a n k .
c o u n t. d.
G iv e b u s i n e s s r e f e r e n c e s .
e.
F ill
out sig n a tu re c a rd .
(1 )
S i g n y o u r n am e i n f u l l .
(2)
W r i t e sls you u s u a lly d o .
F ill
out d e p o sit s l i p .
(1)
C heck y o u r f i g u r e s .
(2)
T ake d e p o s i t t o t e l l e c .
(3)
He w i l l r e c o r d a m o u n t i n new b a n k b o o k a n d
f.
g iv e you bank book and check book. {4)
Check am ount d e p o s i t e d a g a i n s t b a n k book b a la n c e .
4.
g.
P u t b a n k b o o k b a l a n c e on f i r s t
h.
N um ber a l l
WITHDRAWALS: a.
check stu b .
checks and ch eck s t u b s . How to. w r i t e a c h e c k ,
F ill
out your check stu b f i r s t .
(1 )
A m o unt o f c h e c k .
(а)
D a te .
(5)
R e c e iv e r o f check.
{4)
P u rpo se o f c h e c k .
(5 )
S u b t r a c t am o u n t o f c h e c k from c h e c k book b a la n c e *
b.
(б)
G arry b a la n c e fo rw a rd to n e s t check s tu b ,
F ill
out check.
(1 )
D a te .
(а)
W rite p a y e e * s nam e.
(3 )
W rite am ount o f c h e c k i n f i g u r e s .
(4 )
W rite as c lo s e to th e $ s ig n a s p o s s i b l e ,
(5 )
W rite am ount o f d o l l a r s i n w o rd s . th e b e g in n in g o f th e l i n e . re m a in in g s p a c e .
S ta rt a t
Draw l i n e
in th e
W rite c e n t s i n fu g u res. a t
th e end of th e l i n e . (б )
S i g n name i n f u l l ,
(?)
W rite c h ec k i n i n k o r i n d e l i b l e p e n c i l .
RECALL CHECKS: a.
b.
n o tify
ju st lik e
b a n k by w r i t t e n n o t i c e .
You m ay p h o n e b a n k f o r
(2)
W ritte n n o tic e m ust fo llo w .
(1 ) (£ )
card .
How t o s t o p p a y m e n t o n a c h e c k .
(1 )
S ta te
sig n a tu re
im m e d ia te a c t i o n .
th e fo llo w in g in fo rm a tio n ab o u t th e D a te .
A m ount o f c h e c k .
check.
6.
(3)
Sam© o f p a y e e .
(4 )
N um ber o f © h e c k .
SO FUNDS:
How t o b a l a n c e y o u r c h e c k i n g a c c o u n t ,
a.
W rite am ount o f l a s t h an k b a l a n c e .
h.
L is t
c.
S u b tr a c t o u ts ta n d in g c h e c k s from bank b a la n c e .
d.
W rite am ount o f ch eck book b a la n c e .
e.
S u b tra c t s e r v ic e c h a rg e s fro m check book b a la n c e .
o u tsta n d in g checks.
(A n s w e r f r o m l e t t e r le tte r 7.
SOURCE: a.
uc H s h o u l d e q u a l a n s w e r f r o m
^ e " .)
W here t o
C rabbe 1 9 - 1 0 6 ;
get fu rth e r a ssista n c e . H a m ilto n 1 9 2 -2 2 4 ;
P o lish o o k
1 47 -15 1. b.
Go t o y o u r l o c a l b a n k s .
ACTIVITY ASSIGNMENTS:
Work t o d o t o h e l p y o u p r e p a r e f o r
/
h a n d lin g m oney. '/ 1.
2.
GENUINE:
A s s ig n m e n ts t h a t w i l l h e l p y o u h a n d le m oney.
a.
Open a s a v i n g s a c c o u n t a t y o u r l o c a l b a n k .
b.
D e p o sit c l a s s fu n d s .
c.
W rite c h e c k s f o r paym ent o f c l a s s a c t i v i t i e s .
SUPPLEMENTARY:
A s s i g n m e n t t h a t w i l l h e l p you. p r e p a r e
t o h a n d le m oney. a.
F ill
o u t v o id e d check s i n
b.
D ra m a tiz e a b a n k w ith h a lp to r s and h a lf a s t e l l e r s .
c la ss . th e c l a s s as d e p o s i
c.
P r e p a r e a b a n k , s t a t e m e n t f ro m y o u r c h e e k s t u b *
EVALUATION.:
S a m p l e s o f som e t y p e s o f e h e e k - u p s •which' may
i
be a p p lie d 1.
to b a n k in g .
TRUE-FALSE:
P la c e an X in th e c o r r e c t apace f o r tru e
or fa ls e . T F a. ( )(.)
Y ou s h o u l d s e l e c t a b a n k t h a t p a y s a h i g h ra te
o f i n t e r e s t 'when d e p o s i t i n g y o u r
sa v in g s. b.
( )(
)
Ih e n s ig n in g a c h e c k you sh o u ld u s e v a r i our sig n a tu re s.
c. 2.
C )( )
You s h o u l d
BEST ANSWER:
n ev er s ig n a b la n k check.
P la c e th e num ber o f th e b e s t a n s w e r i n
th e p a r e n t h e s e s . a.
C)
When w r i t i n g a c h e c k t h e l a s t sh o u ld f i l l
out i s
th e :
(3 ) A m oun t o f c h e c k . b.
( )
When s t o p p i n g (1 )
th in g
(1 ) S t u b . (4 )
(2 ) D a t e .
S ig n a tu re .
paym ent on a c h e c k you s h o u ld ;
C lo se y o u r b a n k a c c o u n t.
bank a l e t t e r .
you a
(2) W rite
(3} T e l e p h o n e b a n k .
(4 )
Change y o u r s i g n a t u r e . • 3.
RATING SCALE:
P la c e an X in
each sp a ce f o r e ach ite m
y o u h a v e c o r r e c t on t h e c h e c k s t u b . a.
( )
I s th e
s t u b num bered?
b.
( )
Is
am ount o f c h e c k on s tu b ? .
th e
45 c.
(
) Is
th e d a te
on s t u b ?
d.
(
) Is
t h e r e c e i v e r s name o n s t u b ?
e.
(
} Is
th e re a so n th e
check, i s b e in g w r i t t e n on
t h e s tu b ? f .
( )
Is
th e am ount o f t h e c h ec k s u b t r a c t e d fro m
b a la n c e ? g. ( 4.
(
) Is )
th e b a la n c e c a r r i e d fo rw a rd to
T o ta l.
PRECISION DEVICES:
E v a lu a te th e
check w ritin g p ro
ced u re. a.
n e x tstu b ?
C ash c h e c k a t y o u r l o c a l b a n k .
CHAPTER 7 .
CREDIT
HOW TO LIVE WITHOUT GASH I f you w ish to firm s
e s t a b l i s h , a r e p u t a t i o n am o n g t h e b u s i n e s s
i n y o u r c o m m u n ity a s b e i n g a g o o d c r e d i t r i s k ,
it
w ill
be n e c e s s a r y f o r you to keep y o u r p ro m is e s w ith e x a c tn e s s and p ro m p tn e ss . C a re le ssn e ss in re p u ta tio n .
You m u s t p a y d e b t s p r o m p t l y a n d a s a g r e e d . such m a tte r s w i l l g iv e you a p oor b u s in e s s
B u s i n e s s m e n may r e f u s e t o
g ran t c r e d it to p e r
s o n s who g o i n t o u n n e c e s s a r y d e b t ,
t o p e r s o n s who l i v e
t h e i r in co m es a r e n o t b u s i n e s s l i k e
in a l l th e ir
We s h a l l , A.
th e re fo re ,
beyond
d e a lin g s .
s tu d y m eth o d s o f c r e d i t b u y in g .
MOTIVATION:. A d v a n t a g e s y o u m ay r e c e i v e f r o m e s t a b l i s h in g c r e d i t . 1.
SECURE IMMEDIATE NEEDS:
C r e d i t m akes i t
o b t a i n n e c e s s i t i e s w here o t h e r w i s e
p o ss ib le to
i t m i g h t b e im
p o ss ib le . 2.
QUALITY" BUYING:
I t e m s o f q u a l i t y may b e p u r c h a s e d
on tim e w h ere i f
c a s h w ere n e c e s s a r y a n i n f e r i o r
ite m
m ig h t h av e to b e s u b s t i t u t e d . 3.
QUICK CASH:
I n c a se o f an em ergency you can s e c u r e
im m e d ia te c a s h ; 4.
METHODICAL PAYMENTS: p a tte rn
B.
DIRECTIONS:
C a p a b ilitie s of o rg a n iz in g a
o f p a y m e n t. M eth o d s o f s e c u r i n g
c re d it.
CHARGE ACCOUNTS: a . , Go t o t h e
How t o b u y o n t i m e .
s t o r e w here y o u w i3 h t o
e sta b lis h c re
d it. b.
S e le c t th e
ite m , y o u w a n t t o p u r c h a s e .
c.
T e l l t h e c r e d i t d e p a r tm e n t y o u w a n t to open
a
ch arg e a c c o u n t, (1)
S ta te y o u r o c c u p a tio n .
(2 )
G iv e r e f e r e n c e s .
d.
T ake i t e m hom e.
e.
Make m o n t h l y p a y m e n t (Be p r o m p t . )
f.
Open s e v e r a l c h a r g e a c c o u n t s t o e s t a b l i s h g o o d c re d it. (1 )
S e le c t o n ly l a r g e
s t o r e s t h a t do n o t c h a r g e
i n t e r e s t on tim e p a y m e n ts . (2 )
Do n o t p u r c h a s e m o re t h a n y o u r b u d g e t w i l l a llo w .
6% LOANS:
How t o b o r r o w m oney f r o m a b a n k .
a.
Go t o y o u r l o c a l b a n k .
b.
See th e
c.
S ta te
c r e d i t m anager.
t h a t y o u w a n t t o m ak e a l o a n .
(1 )
R eason f o r
lo a n .
(2 )
A m ount o f l o a n .
(3 )
D u ra tio n o f lo a n .
(4 )
Type o f s e c u r i t y y o u w i l l p u t u p ,
i f any.
48 a.
G iv e y o u r c r e d i t r e f e r e n c e s . (1 )
I f you have e s ta b lis h e d re c e iv e
(2 )
3.
c r e d i t you w i l l
p u t up s e c u r i t y .
G et a c o s ig n e r i f you can n o t g e t a lo a n . (1 )
M ust be a p r o p e r t y o w n er.
(2)
S h o u l d own h i s own b u s i n e s s .
PAIN BROKERS: a.
th e lo a n q u ic k ly .
I f you have not e s ta b lis h e d have to
e.
good c r e d i t you w i l l
How t o b o r r o w m o n ey f r o m a l o a n
Go t o a n y p a w n s h o p o r l o a n a g e n c y .
( I t 's
sh ark . lik e
b e in g h e l d up w ith a g u n .) b.
S t a t e y o u r p ro b lem . p a th e tic
c.
d.
sym
tre a tm e n t.)
S ig n f o r th e life
(You w i l l r e c e i v e t h e
lo a n .
(You w i l l b e s i g n i n g y o u r
a w a y .)
Make y o u r p a y m e n t s udien t h e y f a l l d u e . (1 )
I f th e ra te are
(2)
of in te re s t
is
u n d e r 100% y o u
lu c k y .)
I f you m is s a paym ent you c a n e x p e c t a n a s ty l e t t e r a n d p e r h a p s m ore d r a s t i c r e s u l t s .
(3)
I f p o ss ib le
do n o t d e a l w i t h t h i s
ty p e
of
u su rer. 4.
SOURCE: a.
W here t o
g et f u r th e r in fo rm a tio n .
C rabbe 1 5 5 -2 2 8 ; 7 0 -8 4 .
H a m i l t o n 225-253-g
P o lish o o k
49
C.
b.
Go t o y o u r l o c a l
c.
Go t o y o u r l o c a l b a n k s .
d.
Go t o y o u r l o c a l l o a n a g e n c i e s .
A C T IV IT IE S ASSIGNMENTS:
d e p a rtm e n t
W ork t o d o
sta re s*
t o h e lp you e s t a b l i s h
c re d it. _1.
GENUINE:
A s s i g n m e n t s w hich, w i l l h e l p y o u e s t a b l i s h
c re d it. a.
Go t o y o u r l o c a l
d e p a rtm e n t s t o r e a n d open a
ch arg e a c c o u n t.
b.
Go t o y o u r l o c a l s e r v i c e
s t a t i o n and open a c r e
d i t a c c o u n t.
2.
c.
Go t o t h e b a n k a n d m ake a l o a n .
d.
Go t o
l o a n s h a r k s a n d m ak e a l o a n .
SUPPLEMSNTABY:
A ssig n m e n ts t h a t w i l l h e lp you i n
e sta b lis h in g c r e d it. a.
W rite u p t h e ty p e of l o a n y o u w an t a n d w here y ou w o u ld t r y a n d g e t i t .
L et c la s s and te a c h e r
e v a lu a te . b.
S e l e c t a s t o r e y o u w o u ld l i k e
to
e sta b lis h
c re d it
and check to see i f th e y have c a rry in g c h a rg e s . c.
D ra m a tiz e a b a n k l o a n .
S e le c t a p a rtn e r to be
th e b a n k e r and you th e b o rro w e r. D.
EVALUATION:
— —1
— —
S a m p l e s of some t y p e s
i i w t f i * — —■
may b e a p p l i e d
— — i—. imi.
• ■. ■
i — hi ■■■■"
....... — ii i
o f c h e c k -u p s w h ic h ■— mmm*mmmm— mmamw
w
1 — p— w— w—
t o b o r r o w i n g m oney a n d c h a r g e a c c o u n t s .
TRUE-FALSE: or f a ls e . T F a. ( )( )
P la c e an X in th e c o rr e c t sp ace f o r
tru e
. You s h o j i l d e s t a b l i s h a s m any c r e d i t r e f eren ces as p o s s ib le .
b.
(
)( )
It
is
w i s e t o b o r r o w m o n ey f r o m a paw n
b ro k er. c.
( )(
)
It
is
b e t t e r t o buy on tim e t h a n t o pay
cash. BEST ANSWER:
P l a c e t h e num ber o f th e b e s t a n sw e r i n
th e p a re n th e s e s . a.
( )
F o r a c o s i g n e r y o u s h o u l d g e t s o m e o n e w ho: (1 )
Owns p r o p e r t y .
(2 ) H a s a b a n k a c c o u n t .
(3 )
I s know n a r o u n d t h e b a n k .
(4 )
Owns h i s
own b u s i n e s s . b.
( }
When m a k i n g a l o a n y o u s h o u l d b o r r o w f r o m : (1 )
Your f r i e n d s .
lo c a l c re d it agency.
(2) Y our b a n k .
(3 ) Y o u r
(4 ) Y o u r paw n b r o k e r .
CHAPTER 8 .
SPECULATION
HOW TO INVEST YOUR MONEY I n v e s t m e n t s a r e s a t i s f a c t o r y o n l y w hen t h e th e p r i n c i p a l and o f th e i n t e r e s t i s g a in in
assu red *
s a v i n g m o n ey i f a p e r s o n i n v e s t s
it
h a d b e t t e r s p e n d h i s m o n ey a n d e n j o y ■what i t th a n save i t We s h a l l ,
and t h e n lo s e
th e re fo re ,
it
sa fe ty o f T h e r e is ; n o
c a re le ssly .
One
w ill buy, ra th e r
th r o u g h a n u n w ise in v e s tm e n t .
stu d y ty p e s o f in v e s tm e n ts th a t a re
re a so n a b ly s a f e . A.
MOTIVATION: C o m p e n s a t i o n t h a t you, may r e c e i v e
from i n
v e s t i n g y o u r m o n ey w i s e l y . 1.
FINANCIAL GAINS:
Money i n v e s t e d w i s e l y w i l l r e s u l t
in s u b s ta n tia l p ro fits . 2.
LUXURIES: u rie s
5.
W ith a d d i t i o n a l
of lif e
RECOGNITION:
c a p i t a l m o re o f t h e
can be o b ta in e d . T h rou gh t h e a c c u m u la tio n o f w e a l t h
w i l l r e c e iv e p r e s t i g e i n th e 4.
SECURITY:
lu x
you
c o m m u n i ty .
I n v e s t i n g m oney w i s e l y t o d a y w i l l b r i n g
about e a rly re tire m e n t. B*
DIRECTIONS: M e t h o d s o f i n v e s t i n g m o n e y . 1.
GUARANTEED LOAN:
How t o b u y U . S . G o v e r n m e n t b o n d s .
a.
Go t o y o u r n e a r e s t p o s t o f f i c e o r b a n k .
b.
S t a t e t h e t y p e o f bond y o u w a n t. (1)
U. S . S a v i n g s b o n d s .
(2)
P o s t a l S a v in g s b o n d s.
( 2 . 9 $ i n t e r e s t .} (2 $ i n t e r e s t . )
c.
S t a t e a m o u n t o f bond, y o u w a n t *
d.
G iv e c l e r i c m oney.
e.
Buy S a v i n g s s t a m p s .
f.
C o n v e rt sta m p s i n t o b o n d s .
g.
B uy o n l y U. S . G o v e r n m e n t b o n d s . (1)
The:
in v e s tm e n t i s
(2 )
T he
ra te
safe.
of i n t e r e s t i s h ig h e r th a n t h a t
r e c e iv e d fro m s a v in g s bank s and p o s t a l sa v in g s b an k s. (3 )
The
ra te
th e r a te
of in te r e s t w ill not of in te re s t of
change, as
o th e r k in d s o f sav
i n g s so m e tim e s d o e s . SECURITY LOAK:
How t o b u y m o r t g a g e b o n d s .
a.
Go t o
i n v e s tm e n t h o u se o r com pany i s s u i n g
b.
S t a t e bonds you a re i n t e r e s t e d
bonds
i n b u y in g an d
a m o u n t. c.
C h e c k f o r th e . f o l l o w i n g i n f o r m a t i o n . (1 )
The nam e o f' t h e c o m p a n y ,
c ity ,
sta te ,
or
g o v ern m en t t h a t i s s u e s t h e b o n d s. (2 )
The k i n d o f s e c u r i t y b e h i n d t h e b o n d s .
(3 )
The v a l u e
(4 )
The r a t e
of th e bonds. of
i n te r e s t th a t th e bonds w ill
pay. (5 )
T he d a t e o n w h ic h t i e becom es d u e .
f a c e of th e bonds
53 d.
Buy m o r t g a g e b o n d s . {1}
Pays h ig h r a t e
of. i n t e r e s t .
(2 )
Some r i s k b u t n o t t o o g r e a t .
e.
R e g is te r bond.
f.
C o l l e c t i n t e r e s t p a y m e n ts r e g u l a r l y .
g.
C heek a n n u a l l y t o s e e i f m a rk e t v a lu e
o f bond
h a s re m a in e d u n c h an g e d . (1 )
I f bond i s
l o s i n g v a lu e i t m ig h t be b e s t to
s e l l and ta k e (2 )
th e
little
I f bond i s h ig h i t
lo ss.
m ig h t b e w e ll t o
ta k e an
im m e d ia te p r o f i t . 3.
GAMBLERS LOAM: a.
How t o b u y common a n d p r e f e r r e d s t o c k s .
W atch t h e s t o c k m a r k e t (1 )
re p o rts.
B uy w hen s t o e k s a r e
low a n d m a r k e t t r e n d
is
g o in g u p .
b.
(2 )
Buy w h en c o m p a n y i s
(3 )
S e l l w hen m a rk e t i s h i g h a n d f a l l i n g .
(4 )
Do n o t b u y u n k n o w n s t o c k s .
(5)
Do n o t b u y o n t i p s f r o m f r i e n d s .
S e le c t s to c k s you a r e see a
c.
d o in g w e ll.
in te re s te d
i n b u y in g a n d go
sto c k b ro k e r.
A sk t o s e e s t o c k a n d c h e c k t h e f o l l o w i n g i te m s . (!)
T he name o f t h e c o r p o r a t i o n t h a t i s s u e s t h e ■ sto c k .
(2)
T he n u m b e r o f t h e c e r t i f i c a t e *
C3)
The n u m b e r o f s h a r e s t h a t a r e r e p r e s e n t e d b y th e c e r t i f i c a t e .
(4 )
The n am e o f t h e c a te
(5 )
is
p e r s o n t o whom. t h e
c e rtifi
issu e d .
T he k i n d o f s t o c k * w h e t h e r common o r p r e ferred .
d.
Buy s t o c k t h a t y o u h a v e
e.
Pay b r o k e r a g e
f
.
se le c te d .
fee*
W a tc h s t o c k r e p o r t s f o r a n y n o t i c a b l e
change
th e v a lu e o f your sto c k . g-
Check t o s e e i f
SOURCE: a.
W here t o
s to c k s a r e p a y in g d iv id e n d s .
get fu rth e r a ssista n c e .
G rabbe 3 0 1 - 3 0 9 ;
H a m ilto n 2 3 7 -2 5 3 ;
P o lish o o k
3 08 -31 9. b.
Local p o st o f f ic e .
c.
Local bank.
d.
S to c k b ro k e rs .
e.
In v e stm e n t b r o k e r s .
f G.
.
N ew spapers.
ACTIVITY ASSIGNMENT:
W ork t o
do t o h e l p y o u i n v e s t y o u r
m oney. 1.
GENUINE: a.
A s s ig n m e n ts t o h e l p y o u i n v e s t y o u r m oney,
Buy g o v e r n m e n t s a v i n g s b o n d s .
55
2.
b.
B uy l o c a l m o r t g a g e s .
c.
Buy s t o c k on t h e m a r k e t .
SUPPLEMENTARY:
A ssig n m e n ts to h e lp you i n v e s t y o u r
m oney. a.
H ave a b o n d d r i v e i n s c h o o l .
b.
S e l l g o v e rn m e n t sta m p s i n
c.
Buy s t o c k s o n p a p e r, an d w a t c h t o
sc h o o l. see i f p ric e
goes up o r dow n. d.
S e l e c t t h e ty p e o f i n v e s t m e n t you w o u ld m ake. S ta te p u rp o se o f in v e s tm e n t an d have c la s s and te a c h e r e v a lu a te ,
D.
EVALUATION:
S a m p l e s o f som e t y p e s o f c h e c k - u p s w h i c h
may b e a p p l i e d t o 1.
TRUE-FALSE: or f a ls e . T F a. ( ) ( )
in v e s tm e n ts. P la c e a n X in th e c o r r e c t space f o r tr u e
You s h o u l d b u y G o v e r n m e n t b o n d s f o r
a safe
in v e stm e n t. b.
( ) ( )
It
i s w i s e r t o b u y common s t o c k t h a n p r e
ferred . c.
( ){
)
When g a m b l i n g o n t h e
m a r k e t you s h o u l d
n o t buy when t h e m a rk e t i s 2.
BEST ANSWER:
lo w and r i s i n g .
P la c e t h e num ber of t h e b e s t a n sw e r i n '
th e p a re n th e s e s . a.
( )
You s h o u l d a tip .
buy s to c k , w hen:
(2 )
The m a r k e t i s
( 1 ) Y ou r e c e i v e fa llin g .
(3)
56 S t o c k s a r e lo w a n d m a r k e t t r e n d i s (4 ) b.
M arket i s f a l l i n g ,
( } Ih e n b u y in g s to c k i t (1 )
M ark et v a l u e .
te re st ra te . 3.
g o in g u p .
RATING SCALH:
is
w ise to lo o k
fo r;
(2 )
Face v a lu e .
(2 )
In
(4) M a t u r i t y v a l u e .
P l a c e an. X i n e a c h s p a c e f o r w h i c h y o u
know t h e a n s w e r . a.
( ) l h a t k in d o f bonds to buy f o r a
safe
in v e st
m en t? b.
( ) How
to r e g i s t e r a b o n d ?
c.
( } How
to c h e c k m a rk e t v a l u e
d.
( ) How
t o c h e c k ma t u r i t y v a l u e o f b o n d ?
e.
( ) How
to c h e c k r a t e
f .
( ) How
to c h ec k f a c e v a lu e o f bond?
g.
( ) How
t o ch eck th e s e c u r ity
h.
( ) How
to f i n d th e d a te o f m a t u r it y o f bond?
i.
( ) When t o
(
) T o ta l.
se ll
o f bond?
of in te re s t?
th e bond?
b e h in d th e bond?
57 CHAPTER 9 .
COMMUNICATION
HOW TO CONTACT YOUR BUSINESS ASSOCIATES We g i v e a n d r e c e i v e m e s s a g e s i n m any w a y s . read ,
w rite ,
lis te n
As i n d i v i d u a l s , phone,
t o th e ra d io ,: t e l e p h o n e ,
and t e l e g r a p h .
we b o t h r e c e i v e a n d s e n d m e s s a g e s b y t e l e
te le g ra p h ,
and m a il.
T h e s e t h r e e m e t h o d s a r e co m m o n ly
u s e d , b u t so m e tim e s n o t w i s e l y . th e
We t a l k *
se rv ic e s th e y re n d e r,
We s h a l l ,
th e re fo re ,
stu d y
a n d how t h e s e s e r v i c e s c a n b e u s e d
m ost e f f e c t i v e l y . A.
MOTIVATION:
P ro fits
t h a t may r e s u l t f r o m i m m e d i a t e a c
tio n . 1.
BUSINESS DEALINGS:
Many p r o f i t a b l e
by th e w a y sid e b e c a u se b u s in e s s p ro m p t.
to
save b u s i n e s s l o s s e s .
ECONOMY OF BUSINESS TIME: p o ss ib le
n e g o tia tio n s a re not
W ith k n o w l e d g e o f c o m m u n i c a t i o n m e t h o d s y o u
w i l l be a b le 2.
c o n tra c ts f a l l
B u s i n e s s t r i p s m ak e i t
f o r you t o be in y o u r o f f i c e a t a l l
im
tim e s ,
b u t th r o u g h c o m m u n ic a tio n y o u can c o n tin u e y o u r b u s i n e s s t r a n s a c t i o n s w h ile aw ay. 3.
CONTINUAL CONTACT:
It
is e sse n tia l
i n good b u s i n e s s
to k eep in fo rm e d a b o u t a l l ch ang es i n p o l ic y , a l s o any f i n a n c i a l c h a n g e s. B.
DIRECTIONS:
M e t h o d s o f c o m m u n i c a t i o n t o u s e w h en c o n t a c -
t i n g y o u r b u s i n e s s w h i l e aw ay f r o m hom e.
58 1.
CORRESPONDENCE:
How t o w r i t e a b u s i n e s s l e t t e r .
a.
S e c u re bonded s t a t i o n e r y 8 i n by l l n .
b.
S e c u re e n v e lo p e 3 3 / 4 ” by 6 3 /4
c.
T ype t h e
d.
T ype i t
e.
f.
g.
h.
le tte r. in b lo c k s ty le .
(1)
S in g le space.
(2 )
No i n d e n t a t i o n s .
('3)
D o u b le
F o llo w t h i s
s p a c e b e tw e e n p a r a g r a p h s . h e a d in g .
(1 )
S tre e t ad d ress.
(2 )
C ity ,
{3}
D a te .
F o llo w
**.
th is
sta te .
in sid e
a d d ress*
(1)
Name .
(2)
S tre e t ad d ress.
(3)
C ity , s t a t e ,
U se t h e s e s a l u t a t i o n s . (1)
D ear S i r .
(2)
D e a r M r. A . C. G o r d o n .
(3)
D e a r Madam.
(4 )
D e a r M i s s L , T. S m i t h .
U se a m in im um o f t h r e e
o r maximum o f f i v e p a r a
g r a p h s i n 't h e b o d y o f t h e l e t t e r . i.
U se " S i n c e r e l y ” a s y o u r c o m p l i m e n t a r y c l o s e ,
j.
S ig n a tu re sh o u ld be a s fo llo w s .
59
£.
3.
(1 )
F u l l name i n i n k .
(2 )
T y p e d name u n d e r s i g n a t u r e .
YOICE:
How t o
te le p h o n e
lo n g d i s t a n a e .
a.
Remove t h e r e c e i v e r f r o m t h e h o o k .
b.
A sk o r d i a l t h e o p e r a t o r f o r l o n g d i s t a n c e .
c.
G i v e o p e r a t o r name- o f p a r t y c a l l i n g . (1)
A ls o te le p h o n e num ber.
(2 )
A lso a d d re s s .
d.
G iv e o p e r a t o r y o u r n am e.
e.
C heck t e l e p h o n e book f o r r a t e s . (1 )
R educed r a t e s
(2 )
Sunday r a t e s .
(3)
S t a t i o n to s t a t i o n r a t e s .
(4)
P erso n to p erso n r a t e s .
(5)
T h ree m in u te r a t e s .
WIRE:
a t n ig h t.
How t o s e n d a t e l e g r a m .
a.
C a ll w e s te rn u n io n .
b.
Go t o w e s t e r n u n i o n o f f i o e s .
c.
F i l l o u t m essage b la n k . Cl)
M ake b l a n k c l e a r a n d b r i e f .
(2 )
W rite p l a i n l y a n d l e g i b l y .
(3)
A d d r e s s an d one s i g n a t u r e f r e e .
(4)
E v ery w ork i s le s s
(5 )
of i t s
c o u n te d a s one w o rd , r e g a r d
le n g th .
N am es o f c i t i e s > s t a t e s r a n d c o u n t r i e s
w h i c h a r e m ad e u p o f tw o w o r d s , s u c h a s New Y o r k , New H a m p s h i r e ,
and U n ite d S t a t e s ,
a re
c o u n te d a s one w o rd . (6 )
A b b r e v ia tio n s o f s i n g l e w o rd s c o u n t a s f u l l w o rd s.
(7)' ■ Common a b b r e v i a t i o n s , v ia tio n s,
in c lu d in g tra d e a b b re
su c h a s O .K ., A .M ., F . O . B . , a n d
C .O .D ., a r e c o u n te d a s one w o rd . (8 )
T e le g ra m s w r itte n , i n p a r a g r a p h s a r e t r a n s m itte d in p arag rap h s.
(9 )
A ch arg e
i s m ade f o r t h e a d d r e s s o f t h e
s e n d e r o f t h e m essage i f WATER COMMUNICATION:
it
is
in c lu d e d .
How t o s e n d a c a b l e g r a m .
a.
O b ta in in f o r m a tio n a t
th e te le g ra p h o f f ic e .
b.
F i l l o u t m essage b la n k .
(C h e c k r u l e s f o r t e l e
gram . ) c.
G et a code b o o k a t t h e t e l e g r a p h o f f i c e .
d.
U se c o d e b o o k t o
A IR COMMUNICATION: a.
save ex p en se o f m essag e. How t o s e n d a r a d i o g r a m .
R e q u e s t p e r m i s s io n from p e r s o n i n c h a r g e o f s e n d _ in g r a d i o m e s s a g e s t o s e n d m e s s a g e .
b.
F ill
o u t m essage b l a n k .
(R e g u la tio n s
te le g ra m .) c.
U se co d e b o o k t o
s h o rte n m essage.
s a m e 'a s
&. 6.
U s e o n l y w h en m e s s a g e i s u r g e n t .
SOURCE: a.
W here t o - g e t f u r t h e r a s s i s t a n c e .
C rabbe 4 0 5 -4 9 4 ;
H a m ilto n 1 2 6 -1 3 8 ; 1 6 0 -1 9 1 ;
P o lis h o o k 1 6 9 -1 83 .
C.
b.
? 7 e ste rn U n io n o f f i c e .
c.
B u sin e ss o f f i c e .
ACTIVITY ASSIGNMENTS:
Some w o r k t h a t w i l l h e i r y o u i n
p l a n n i n g t h e s e l e c t i o n o f c o m m u n ic a tio n m e th o d s t o be used. 1.
GENUINE:
A ssig n m e n t t h a t w i l l h e lp you se n d m e s s a g e s .
a.
Go t o
W este rn U n io n o f f i c e a n d s e n d m e s s a g e .
b.
W rite b u s i n e s s l e t t e r t o f i r m r e q u e s t i n g i n f o r m a tio n .
c.
Go t o r a d i o
s ta tio n to
o b ta in in fo rm a tio n a b o u t
r a d io g r a m s and c a b le g r a m s . 2.
SUPPLEMENTARY;
A ssig n m e n ts t h a t w i l l h e lp y o u i n
p la n n in g th e se n d in g o f a.
m essages.
W rite l e t t e r t o b u s i n e s s f i r m , h a v e c l a s s an d te a c h e r e v a lu a te .
b.
W rite b r i e f t e l e g r a p h m e ssa g e , r e a d i n c l a s s see
c.
i f m essage i s
c le a r and b r i e f .
Code m e s s a g e s a n d s e e
i f you c a n decode
m essages
s e n t b y o t h e r m e m b e rs o f t h e c l a s s . D.
EVALUATION:
to
S a m p l e s o f som e t y p e s o f c h e c k - u p s
w h ic h
62 m ay b e a p p l i e d t o c o m m u n i c a t i o n . 1.
TRUE-FALSE: or fa ls e . T F a. () ( )
P la c e an X in
I f you w ant
to
th e c o r r e c t sp ace f o r
send a f a s t an d b r i e f
m essage you sh o u ld u se b.
{ )(
)
tru e
th e n i g h t l e t t e r .
When s e n d i n g a c a b l e g r a m y o u s h o u l d u s e code on a l l w o rd s .
c.
( )( )
F o r o v e rs e a s m essag es you sh o u ld u se th e c ab leg ra m .
2.
BEST ANSWER:
P la c e t h e num ber of th e b e s t an sw er i n
th e p a re n th e s e s . a.
I )
fh e n s e n d in g a m essage f o r sp eed you sh o u ld use:
(1 ) A i r m a i l .
D ay l e t t e r . b.
( j
(3 )
T eleg ra m .
When c l o s i n g a b u s i n e s s l e t t e r y o u s h o u l d w rite :
11) S i n c e r e l y .
(3 ) C o r d i a l l y , 3.
14)
12) E i g h t l e t t e r .
RATING SCAL.E:
12) Y o u r s v e r y t r u l y .
14) A l w a y s .
P l a c e an X i n e a c h s p a c e t o w h ic h y o u r
t e l e gram c o n f o rm s . a,
( )
The m e s s a g e is. b r i e f .
b.
( )
The m e s s a g e i s
not over te n
o.
( )
The m e s s a g e i s
c le a r.
d.
( )
The p u n c t u a t i o n i s
e.
( )
c o rre c t.
T h ere i s a r e t u r n a d d r e s s .
w ord s,
63 f. t 4.
( )
The s i g n a t u r e i s
p ro p er,
j T o ta l.
PRECISION DEVICES:
E v a lu a te a coded m essage i n th e
f o llo w in g m anner. a.
G et d e c o d in g m anual p u b l is h e d by W e ste rn U n io n C om pany .
C h e a it m e s s a g e w i t h n n . n u a l .
64 CHAPTER 1 0 .
TRAVEL
HOW TO TRANSACT BUSINESS MECESSARI EUR FOUR VACATION T he u r g e t o s e e o t h e r p a r t s o f t h i s c o u n t r y a n d o t h e r c o u n trie s in a l l p a r ts u n iv e rsa l.
o f t h e w o r l d h a s im.de t r a v e l a l m o s t
F rom a l l p a r t s
o f t h e c o u n try c o n s ta n t stre a m s
o f p e o p le t r a v e l to w a rd o u r p l e a s u r e r e s o r t s and o u r c i t i e s . I n a r e c e n t y e a r our r a i l r o a d s c a r r i e d o v e r n in e hun dred m illio n p assen g ers.
C o u n tle s s th o u s a n d s a ls o t r a v e l e d by
a u to m o b ile , b u s , a ir p l a n e , and ste a m sh ip .
Each ty p e o f t r a v e l
r e q u i r e s a c e r t a i n am ount o f b u s in e s s t r a n s a c t i o n . th e re fo re ,
d isc u ss
MOTIVATION:
We s h a l l ,
th e s e v a rio u s ty p e s of t r a n s a c t i o n s .
A d v a n t a g e s t h a t y o u may r e c e i v e f r o m t r a n s
a c tin g y o u r v a c a tio n expense b u s in e s s p r o p e r ly . 1.
RESTFUL VACATION:
P ro p er h a n d lin g o f y o u r b u s in e s s
p ro b le m s w i l l p e r m it you a w o rry f r e e 2.
ECONOMT:
v a c a tio n .
V a c a tio n b u s in e s s tr a n s a c te d w is e ly w i l l
a f f o r d y o u econom y o f e f f o r t a n d m oney. 3.
TIME SAVER:
A w e ll o rg a n iz e d v a c a tio n w i l l p re v e n t
d e la y s and i n te r r u p ti o n s . 4.
PERSONAL SATISFACTION:
The s u c c e s s f u l h a n d l i n g o f
v a c a t i o n p ro b le m s w i l l i n s u r e trip
th e e n jo y m e n t o f t h e
and w i l l r e s u l t i n th e p la n n in g o f a n n u a l v a c a
tio n s . B.
jJiRECTxuNS:
M e t h o d s o f h a n d l i n g v a c a t i o n -problem s'..
65
1.
ACCOMODATIONS: a.
How t o r e g i s t e r a t a h o t e l .
S e l e c t a h o t e l t h a t i s r e c o m m e n d e d b y C o n s u m e r 's , G u id e o r A u to m o b ile A s s o c i a t i o n o f A m e ric a .
b.
E n t e r h o t e l a n d go t o
r e g i s tr a ti o n c o u n te r.
c.
R e g i s t e r b y s i g n i n g y o u r nam e o n c a r d o r i n a re g is te r.
d.
n a y f o r y o u r ro o m i n a d v a n c e .
e.
T ip b e l l b o y f o r
s h o w in g y o u t o y o u r ro o m a n d
c a rry in g your baggage. f .
2.
W rite i n a d v a n c e f o r (1 )
T h is w i l l a s s u r e you a ro o m .
(2 )
i'o u w i l l r e c e i v e b e t t e r s e r v i c e .
TRAYELERS’ a.
re s e rv a tio n s .
CHECKS:
Buy t r a v e l e r s ' (1 )
*
How t o c a r r y m o n e y . checks.
T r a v e l e r s m y p u r c h a s e A m e ric a n E x p re s s Company t r a v e l e r s *
checks a t a bank, an
A m e r i c a n E x p r e s s Company o f f i c e ,
a R a ilw a y
E x p ress o f f ic e ,
a W e ste rn u n io n T e le g ra p h
Company o f f i c e ,
o r one o f th e
la rg e r r a i l
way o r m o t o r - c o a c h t i c k e t o f f i c e s . (2 )
C h e c k s can. b e p u r c h a s e d i n d e n o m i n a t i o n s o f #10,
|2 0 ,
$50,
and #100.
(3 )
I'o u r e c e i v e a w a l l e t t o k e e p t h e c h e c k s i n .
14)
A t tim e o f p u rc h a se o f c h ec k s you s ig n y o u r
nam e i n u p p e r l e f t - h a n d c o r n e r o f e a c h c h e c k . (5 )
E a c h c h e c k h e a r s a n i n d i v i d u a l s e r i a l num ber fo r
(6 )
id e n tif ic a tio n and reco rd p u rp o ses.
Y ou s h o u l d r e c o r d t h e i d e n t i f i c a t i o n o f th e
checks in case o f lo s s you can r e p o r t
a c c u ra te ly (7 )
if
n u m b er
th e checks t h a t a re m is sin g ,
ch eek s a r e l o s t o r s t o l e n you w i l l be
re im b u rse d . (8 )
T ra v e le rs ' checks a re a c c e p te d a l l
o v e r th e
w o rld . { 9)
i d e n t i f i c a t i o n i s n e e d e d w hen c a s h i n g
th e
checks. Menu ~a.
ejlEASE:
How t o o r d e r i n
t h e d i n i n g ro o m .
M ake r e s e r v a t i o n s f o r t a b l e
in advance,
i f p o s s i- 5
b le . b.
A sk h e ad w a i t e r f o r t a b l e
of your p re fe re n c e .
c.
l o o k o v e r m enu f o r s o m e t h i n g you. l i k e .
d;
A sk w a ite r w hat i s
e.
A sk w a i t e r w hat t h e
f.
O rd e r w h a t th e w a i t e r s u g g e s t s ,
good on t h e m enu to d a y ? sp e c ia lity
is? if
it
does no t
ta x y o u r b u d g e t. g.
T ip w a ite r - 1 5 # o f c h e c k . *
A IL ABOARD: a.
How t o r e a d t i m e t a b l e s .
G et tim e ta b le fro m t r a n s p o r t a t i o n o f f i c e .
(1 )
R a i l r o a d t i m e t a b l e from , r a i l r o a d
(2 )
A irp la n e tim e ta b le
(3 )
S h ip tim e ta b le s fro m ste a m sh ip o f f i c e s .
14)
Bus t i m e t a b l e s f r o m b u s s t a t i o n .
fro m a i r p o r t s .
G et in d e x t h a t w i l l r e f e r y o u t o i n w h ic h y o u w i l l f i n d y o u r p l a c e 11}
i t a ls o
l i s t s a l l sto p s.
th e tim e i n d ic a t e d by b o ld fa c e
The t i m e f r o m 1 2 : 0 1 a . m . is
(4 )
of d e stin a tio n .
The t i m e f r o m 1 2 : 0 1 p . m . t o 1 2 . o * c l o c k m i d n ig h t i s
(3)
th e tim e ta b le
T im e ta b le s l i s t th e tim e s o f d e p a rtu re and a rriv a ls ,
(2 )
sta tio n .
ty p e
t o 12 o ' c l o c k n o o n
in d ic a te d by lig h tf a c e ty p e .
B e lo w e a c h t i m e t a b l e w i l l b e f o u n d r e f e r e n c e n o t e s a n d s y m b o l s , w h i c h e x p l a i n how t o
read
th e tim e ta b le o r g iv e v a rio u s e x c e p tio n s to th e t a b l e . S e le c t th e t r a i n ,
sh ip , bus,
o r p l a n you a r e
ta x
i n g a n d c h e c k o n t h e t i m e t a b l e f o r t h e nam e o f your v e h ic le . tl)
. L i s t e d u n d e r t h e name o f y o u r v e h i c l e w i l l be th e tim e o f d e p a rtu re and th e
tim e o f
a r r i v a l" a t e a c h s t o p a lo n g t h e w ay. 12}
The c h a n g e o f t i m e b e l t i s n o t e d on t h e tim e ta b le
so y o u w i l l n o t n e e d t o f i g u r e a n y
3
change o f tim e .
HOUND TRIP.:
How t o b u y a t i c k e t .
a.
Go t o
lo c a l tic k e t agency.
b.
A sk c l e r k i n f o r m a t i o n a b o u t m e th o d o f t r a v e l . 11}
W h ic h i s
th e c h e a p e st?
(2 )
W hich i s
th e f a s t e s t ?
(3}
W hich v e h i c l e w i l l a r r i v e a t y o u r d e s t i n a t i o n a t th e tim e you w ish to a r r i v e ?
c.
S e l e c t t h e m eth o d o f t r a n s p o r t a t i o n t h a t a n s w e r s your needs.
d.
Buy y o u r t i c k e t a t t h e t i c k e t w in d o w .
e.
T e ll th e
s e l l e r t h e name o f t h e v e h i c l e
and th e
tim e o f d e p a r t u r e . f.
Buy r o u n d t r i p
tic k e ts
i f you a re r e t u r n i n g .
T hey
are ch eap er. g.
C heck r a t e s f o r c h i l d r e n .
h.
C heck t o if
i f you need s le e p in g a c c o m o d a tio n s ,
so secu re e x tr a
S jslmD TO: a.
see
How t o
tic k e t
f o r th a t p u rp o se.
la b e l baggage.
P l a c e y o u r name a n d a d d r e s s i n
tw o o r m o re p l a c e s
on t h e b a g g a g e . b.
Remove a l l
o ld s t i c k e r s .
c.
nock a l l b a g g ag e .
d.
T l a c e " i j T a g i l e ” s t i c k e r on b a g g ag e i f
it
c o n ta in s
a rtic le s 7.
RED GAP:
th a t are e a sily
b ro k en .
How t o c he c k b a g g a g e .
a.
C a ll r e d
cap.
b.
(je t b l a n k o n w h ic h y o u s t a t e n u m b er o f p i e c e s o f b a g g a g e and v a lu e o f e a c h .
c.
(Jet a s e p a r a t e c h e c k f o r e a c h p i e c e .
d.
H ave c h e c k p u n c h e d to i n d i c a t e b a g g a g e h a s b e e n checked.
e.
P re sn e t your checks a t
th e
^ In c o m in g B a g g a g e n
w in d o w w h e n y o u a r r i v e a t y o u r d e s t i n a t i o n , a n d you sh o u ld r e c e iv e y o u r baggage. f .
F ile
c la im im m e d ia te ly i f a n y th in g i s m is s in g or
dam aged. 8.
FOREIGN TRAVEL: a.
How t o s e c u r e p a s s p o r t a n d v i s a .
W rite t o B ureau o f P a s s p o r t s ,
S t a t e D e p a rtm e n t,
W a s h i n g t o n , DvC. b.
W rite l o c a l F e d e r a l b u i l d i n g ,
som e l a r g e
have p a s s p o r t b u r e a u s . c.
F i l l o u t a p p li c a t io n fo rm . (1 )
R eason f o r t r i p .
(S )
.D e s tin a tio n of t r i p .
(3}
P o rt of d e p a rtu re .
(4 )
A p p ro x im ate d a te o f d e p a r t u r e .
(5 )
P ro p o sed le n g th o f s ta y a b ro a d .
(6 )
M eans o f t r a n s p o r t a t i o n .
c ity s
(7 )
C o u n trie s to be v i s i t e d ,
d*
P re se n t p ro o f of c itiz e n s h ip
e.
G e t t h r e e p h o t o g r a p h s o f y o u r s e l f 3/* b y
f.
S u b m it fo rm , p r o o f o f
5” .
c it i z e n s h i p , an d p h o to g ra p h s.
It
(2)
You w i l l r e c e i v e p a s s p o r t w i t h i n a
SOURCE: a.
c e rtific a te .
(1 )
c o s ts $13.
a le tte r 9.
or b irth
w eek o r
of r e f u s a l.
W here t o g e t f u r t h e r a s s i s t a n c e .
C rabbe 3 4 7 -3 9 7 ;
H a m ilto n 2 7 5 -3 0 1 ; P o lis h o o k
190-207. b.
C o n s u m e r 's G u i d e .
c.
A u to m o b ile A s s o c i a t i o n o f A m e ric a .
d.
L ocal banks.
e.
T ra in s t a tio n s .
f.
Bus d e p o t s .
g. . A irp o rts. h.
S te a m sh ip a g e n c ie s .
i.
B u reau o f P a s s p o r t s ,
S t a t e D e p a rtm e n t,
W a sh in g to n ,
D .C . ACTIVITY A S S iG Im d S rlS t
Work t o d o t o h e l p y o u p r e p a r e f o r
your v a c a tio n . 1.
GENUINE:
A ssig n m e n ts t h a t w i l l h e lp you p r e p a r e f o r
your v a c a tio n . a.
v i s i t tr a v e l a g e n c ie s.
b.
Take s h o r t t r i p s
by b u s ,
sh ip ,
p la n e ,
or tra in .
c. 2.
E at a t re s ta u ra n ts .
SUPPLJSE^Ti&RY:
A ssig n m e n ts t h a t w i l l h e lp you p r e
p are f o r your v a c a tio n . a.
P la n a t r i p
and p re s e n t s o lu tio n s
t h a t you e x p e c t to e n c o u n te r.
to p ro b le m s
H ave c l a s s e v a l u
a te . jj.
EVALUATION: he a n p lie d 1.
S a m p l e s o f seme t y p e s o f c h e c k - u p s w h i c h may to v a c a tio n s .
t HUE-FALS e
:
P la c e an X in th e c o r r e c t space fo r
or f a ls e , f F a. ( ) ( )
You s h o u l d t i p
tru e
a w a i t e r a b o u t 15% o f t h e
check. b.
( 1C)
It
i s w ise to s t a t e
th e
tim e
th e t r a i n i s
l e a v i n g w hen b u y i n g a t i c k e t . c.
( H
)
I f you a re
n o t re tu rn in g
buy a ro u n d t r i p
it
is
cheaper to
t i c k e t and s e l l th e
o th e r
h a l f w hen y o u r e a c h y o u r d e s t i n a t i o n . d.
i l l )
You s h o u l d
c a l l a re d cap in
o rd er to
check your baggage. 2.
BEST ANSWER:
P la c e th e num ber of th e b e s t a n sw er i n
.th e p a re n th e s e s , a.
I )
When l a b e l i n g
baggage you sh o u ld :
(1 )
P la c e
y o u r n a m e a n d a d d r e s s i n tw o o r m o r e p l a c e s . 12)
Put la b e ls
on th e i n s i d e
in case th e
o u tsid e
l a b e l s come o f f .
on t h e h a n d l e .
(5 )
P u t a dog ta g
(4 ) L a b e l o n l y o n c e s o y o u
do n o t c o n f u s e t h e r e d c a p . b.
( )
When l o o k i n g f o r y o u r t r a i n
on th e t i m e t a b l e
you sh o u ld lo o k f o r :
(1 ) Name
of t r a i n .
(2) N u m b er o f t r a i n .
(3 )
tra in
le a v in g . BATING SCALE:
(4 )
T im e t r a i n
C ity
is le a v in g .
P l a c e a n X i n e a c h s p a c e f o r w h ic h you
know t h e a n s w e r . a.
( )
How t o
b.
C )
How t o c a r r y m o n ey w h i l e t r a v e l i n g ?
c.
t )
How t o
o r d e r i n a d i n i n g ro om ?
d.
( i
How t o
read tim e ta b le s?
e
.
I
)
How t o b u y a t i c k e t ?
.
I
)
How t o l a b e l b a g g a g e ?
I
)
How t o s e c u r e a p a s s p o r t ?
V
T o ta l.
f
g* (
i
is
r e g is te r in a h o te l?
73 RESERVE (T hese h o o k s a r e th is
c ite d
re p e a te d ly
L IS T in th e v a rio u s c h a p te rs of
s y lla b u s in a b b r e v ia te d fo rm .
B e lo w a r e t h e
f u l l b ib
lio g ra p h ic a l d e ta ils .) CODE NUMBER. 1.
C rab b e, E r n e s t H .» and S a l s g i v e r , P a u l L . ; ness .
G e n era l B u si
S o u t h - W e s t e r n P u b l i s h i n g C o m p an y, C i n c i n n a t i ,
O h io ,
1946. 2.
3.
H a m ilto n ,
C h a r l e s W ., G a l l a g h e r , F r a n c i s
C h a rle s:
P re p a rin g f o r B u sin e ss.
New Y o r k ,
1944.
p o lis h o o k ,
W illia m M ., B e ig h e y ,
1945.
and F an ch er,
P re n tic e -H a ll,
In c.
C ly d e , and W h elan d ,
H o w ard E . : E l e m e n t s o f G e n e r a l B u s i n e s s , p a n y , B o sto n ,
1 .,
G i n n a n d Gom-