This report provides explanations of checks and checking accounts and offers guidelines for their use. Types of checks which are explained include personal checks, negotiable orders of withdrawal, counter checks, universal checks, domestic and international money orders, cashier's checks, and travelers checks. A description of the different…

This report explains savings accounts and low-deposit investments in order to help consumers determine which accounts are right for them. It is divided into the following four sections (topics covered are listed in parentheses): (1) the savings program (setting savings goals, saving regularly, choosing a savings account, interest, the savings…

This report presents information on checking accounts, describes how to read a monthly statement from the bank, and provides guidelines for balancing a checkbook. Topics covered include: how banks record transactions; the importance of keeping personal records and of balancing the checkbook promptly; what happens when there are insufficient funds…

This report explains the importance of keeping personal records, describes types of records to keep, and suggests places in which to keep them and ways to organize them. Guidelines are offered for keeping the following types of records: (1) personal documents (family records, wills, passports, diplomas, and social security cards); (2) property…

This pamphlet, prepared by the Southern Oregon Research and Development Committee (SORD), offers suggestions for students and teachers for improving the test-taking skills of primary school students. Seven suggestions for students to consider prior to taking tests cover such topics as studying, diet, exercise, and comfortable dress. Included in…

(For availability, see EA 507 419.)

This report tells what information is likely to be in a credit report; how it is collected, filed, and communicated; and how individual rights regarding credit are protected by law. Topics covered include: (1) information generally contained in a credit profile (identification, family status, public record information, credit accounts, and…

This report presents guidelines to help homeowners, renters, and condominium owners purchase and maintain adequate insurance coverage for their residences and personal property. Types of property coverage discussed include the following: (1) standard policies and exclusions; (2) special programs (earthquake insurance, federal programs for…

This pamphlet, prepared by the Southern Oregon Research and Development Committee (SORD), offers suggestions for students and teachers for improving students' test-taking skills. Among the skills that students should possess to be prepared for taking tests are knowing the purposes of testing, having experience and practice in testing and following…

This report offers suggestions on finding, planning, and financing a home rehabilitation project. Information on finding a "fixer-upper" includes deciding where to look, learning what to look for in a house and neighborhood, learning about local building and zoning codes, deciding what characteristics of houses and neighborhoods are…

This report gives suggestions for starting a personal money plan, provides a worksheet for developing the plan, and offers ideas for putting the plan into action. Guidelines are presented for the following steps in developing a money plan: setting short- and long-term spending and saving goals; making a timetable for reaching those goals;…

This report describes principles and techniques for credit management. Topics covered include: (1) methods of determining personal credit limits; (2) ways to keep track of credit use; (3) suggestions for planning credit use; (4) explanations of single-payment charge accounts, revolving credit, installment credit, and consolidation loans; and (5)…

Why do secondary schools follow the practice of having student assemblies? What are these assemblies expected to accomplish? Who should be involved in planning them? What types of programs best suit educational, cultural, and informational purposes? How can systematic evaluation or appraisal of student assemblies be achieved? These and similar…

Practical suggestions for telephone procedures and courtesy and for helping staff to provide prompt, accurate information to callers are offered in this pamphlet. The suggestions, developed by classified staff of Jefferson Community College (Kentucky) through a small-group process, are divided into four categories: (1) general responsibilities for…

Designed as an aid in preparing federal income tax returns, this report explains terms, provides a worksheet, and describes sources of tax help. The importance of keeping tax records is discussed along with strategies for recordkeeping, types of records to keep, and how long to keep them. Explanations of the following terms are provided along with…