A syllabus for a course in general business

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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.

Dissertation Publishing

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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-