1 Loans Beginner & Low-Intermediate Materials Pre-reading What do you Want to Buy? Overhead 3-A Put a check ( ) next to the pictures of the things you might want to have or do. Beginner/Low-Intermediate Unit II: Personal Finance
2 The Car Loan Picture Story Overhead 3-B Talk about the pictures. Listen to the story. Learn new vocabulary. - Beginner/Low-Intermediate Unit II: Personal Finance
3 Comparing and Evaluating Loan Offers Overhead 3-C Listen to your teacher. Write the numbers you hear. California Mutual Bank Loan # to be Paid Cost A $10,000 $2,000 $8,000 $959 $10,959 West Coast Federal Credit Union Loan # to be Paid Cost B $10,000 $2,000 $8,000 $860 $10,860 Loans R Us Online Loan # to be Paid Cost C $10,000 $2,000 $8,000 $2240 $12,240 Joe Friendly Used Cars Loan # to be Paid Cost D $10,000 $2,000 $8,000 $1999 $11,999 Beginner/Low-Intermediate Unit II: Personal Finance
4 Name Date The Car Loan Picture Story and Activities Worksheet 3-2 page 1 Talk about the pictures. Listen to the story. Learn new vocabulary. - Beginner/Low-Intermediate Unit II: Planning for the Future
5 Name Date The Car Loan Picture Story and Activities Worksheet 3-2 page 2 Listen to the story. Practice reading the story. Marco doesn t have money to buy a car. He waits at the bus stop with his girlfriend. His girlfriend says the bus is late again! Marco saves money for many months. He goes to Friendly Joe s Used Cars to buy a used car. The loan officer says these are your loan terms. Marco is confused. He fills out a loan application. He gets a loan, and he leaves in his new car. His girlfriend is very happy. They go to a restaurant in the new car. That night, Marco sees smoke in the engine. The mechanic says the engine repair is $500. Marco doesn t have money for the repair. Marco waits at the bus stop. He sees his girlfriend drive by with her new boyfriend. Beginner/Low-Intermediate Unit II: Planning for the Future
6 Name Date The Car Loan Picture Story and Activities _ Worksheet 3-2 page 3 Put the story in order. Tell the story again. Beginner/Low-Intermediate Unit II: Planning for the Future
7 Name Date The Car Loan Picture Story and Activities Worksheet 3-2 page 4 Match the picture with the sentence. Beginner/Low-Intermediate Unit II: Planning for the Future
8 Name Date Understanding Loan Offer Terms Worksheet 3-3 Listen to your teacher. Write the numbers you hear. California Mutual Bank Loan # to be Paid Cost A $10,000 $2,000 $8,000 $959 $10,959 West Coast Federal Credit Union Loan # to be Paid Cost B $10,000 $2,000 $8,000 $860 $10,860 Loans R Us Online Loan # to be Paid Cost C $10,000 $2,000 $8,000 $2240 $12,240 Joe Friendly Used Cars Loan # to be Paid Cost D $10,000 $2,000 $8,000 $1999 $11,999 Beginner/Low-Intermediate Unit II: Planning for the Future
9 Loan Terms Information Gap Activity Worksheet 3-4 Save the Answer Key for yourself and cut apart Student A and B charts below. Have Student A face Student B. Students should hold the paper in such a way that their partner does not see their paper. Student A asks the questions below to Student B (who gives the answers on his/her chart). Student A writes the amounts he/she hears. If Student A needs the numbers repeated, he/she should ask for clarification (teach student to say, Can you repeat that please?. Then, Student B asks the questions to Student A. Demonstrate, as necessary. ANSWER KEY for teacher use only of Loan Cost payment + principal + $8,000 $2,500 $5, % $171 $659 $8,659 NONE cut here Student A Student A asks Student B (Student B gives answers.) What is the length of the loan? What is the total interest? Golden State Bank of Loan Cost $8,000 $2,500 $5, % $171 $8,659 NONE cut here Student B Student B asks Student A (Student A gives answers.) What is the interest rate? What is the monthly payment? Golden State Bank of Loan Cost $8,000 $2,500 $5, $659 $8,659 NONE Beginner/Low-Intermediate Unit II: Planning for the Future Fees Fees Fees
10 Name Date Loan Application Form Worksheet 3-5 LOAN APPLICATION LAST NAME (PRINT) FIRST MIDDLE INITIAL BIRTHDATE MARRIED UNMARRIED SEPARATED DRIVER S LICENSE NUMBER SOCIAL SECURITY NUMBER ADDRESS CITY STATE ZIP HOME PHONE HOW LONG? ( ) PREVIOUS ADDRESS CITY STATE ZIP HOW LONG? YRS MOS OCCUPATION PRESENT EMPLOYER YRS PHONE MOS HOW LONG? ADDRESS CITY STATE ZIP ( ) YRS MOS PREVIOUS EMPLOYER PHONE HOW LONG? ADDRESS CITY STATE ZIP ( ) YRS MOS INCOME: income from employment... $ of other monthly income... $ TOTAL MONTHLY INCOME... $ LANDLORD OR MORTGAGE HOLDER OWN RENT ADDRESS MORTGAGE BALANCE MONTHLY PAYMENT CREDIT CARD ACCOUNT NO. BALANCE MONTHLY PAYMENTS CAR LOAN INFORMATION BALANCE MONTHLY PAYMENT BANK ACCOUNT NUMBER BALANCE CHECKING SAVINGS Beginner/Low-Intermediate Unit II: Personal Finance
11 Loans Materials Which Loan is Best? Which Loan is Best? High-Intermediate/ Advanced Overhead 3-A California Mutual Bank (Samuel and Miranda s bank) Loan to be Paid Cost A $10,000 $2,000 $8, % $249 $959 $10,959 B $10,000 $2,000 $8, % $196 $1420 $11,420 C $10,000 $2,000 $8, % $163 $1790 $11,790 Which loan has the lowest monthly payment? Which loan has the lowest interest rate? Which loan has the lowest total cost? High-Intermediate/Advanced Unit II: Planning for the Future
12 The Car Loan Picture Story Sequencing_ Put the story in order. Tell the story again. Worksheet 3-1 High-Intermediate/Advanced Unit II: Planning for the Future
13 Do You Have Big Dreams Worksheet 3-2 Do You Have BIG Dreams? Do you want to buy something big? A car? A house? Do you want to start your own business? Do you want to study at the university? If you answered "yes" to any of these questions, you will probably need to get a loan. There are many types of loans: car loans home loans (also called a mortgage) business loans student loans personal loans (to pay for other expensive things like computers or travel) But before you get a loan, you need to know some important information. What are the fees? What is the interest rate? What will your monthly payments be? How long will you have to make payments? Like finding the best checking or savings account, you need to shop to find the best loan for you. You will want to ask experts to help you, people like financial planners or counselors, and loan officers at a bank. Reading Check: Do you understand? Circle yes or no. 1. A car loan is also called a mortgage. yes no 2. A financial counselor is an example of a loan expert. yes no 3. You can get a loan to study at the university. yes no 4. You can use a personal loan to buy a computer. yes no 5. You always have to pay interest on a loan. yes no High-Intermediate/Advanced Unit II: Planning for the Future
14 Shopping for a Loan Worksheet 3-3 page 1 Shopping for a Loan You are going to practice shopping for a loan by helping Samuel and Miranda find a car loan. Read carefully. You will need to answer some questions about Samuel and Miranda s savings. Read the questions first so you know what information to look for. As you read, you may want to highlight or circle information that will help you answer the questions. Samuel and Miranda s Story Samuel Reyes has been living in the United States for five years. He started working after he had been here for six months. He is 26 years old and got married one year ago. When he was single, Samuel saved an average of $40 per month, and was able to save $1,680. He and his wife do not have any children yet. Samuel is a custodian at an office building at night. He works for a company called Clean by Dawn and has been with them for three years. He makes $8.50 an hour, but he doesn t have any benefits. In other words, his company doesn t give him health insurance or any paid days off. His wife, Miranda, is 24 years old. She works part-time as a cashier in an electronics store called Electronics Depot, and she makes $7.75 an hour. If Samuel had a car, he could get a custodial position in the school district. He would make $10.15 an hour and receive benefits. He needs a car because custodians must travel to different schools when they are first hired. Samuel and Miranda have been saving money for a down payment on a car or small truck. A down payment is the money you pay to the car dealer High-Intermediate/Advanced Unit II: Planning for the Future
15 Shopping for a Loan Worksheet 3-3 page 2 when you purchase the car. The larger the down payment you give, the less you will have to borrow. Since they have been married, Samuel and Miranda have been putting $100 a month for past 12 months into a special savings club to save for the down payment. Samuel and Miranda decide to use half of Samuel s savings for the down payment in addition to the money they have saved together. But before they shop for a loan, they need to think about how much they can afford to pay each month. Samuel grosses about $1,400 per month, but, after taxes and insurance, his take-home pay is approximately $1,200. Miranda earns $950 per month, but her net pay is only about $810. Samuel and Miranda have the following fixed monthly expenses: rent - $750; gas and electric - $45; telephone -- $55; food - $300; transportation -- $150; money sent to families $200. They would also like to continue saving at least $100 a month to save for a down payment on a house. Finally, everyone needs to have money available for rainy days, emergencies or unexpected expenses. ( Rainy days is an idiom which means hard or difficult times.) Now, Samuel and Miranda are ready to shop for a loan. High-Intermediate/Advanced Unit II: Planning for the Future
16 Shopping for a Loan Worksheet 3-3 page 3 As you read, write down information from the story to help you answer the comprehension questions. Who What How much Comment Example: Samuel & Miranda Special savings account for down payment $100 for one year of marriage (12 $1200 total High-Intermediate/Advanced Unit II: Planning for the Future
17 Shopping for a Loan Worksheet 3-3 page 4 Comprehension Questions 1. How much money have Samuel and Miranda saved together? 2. How much did Samuel save when he was single? 3. Now, Samuel and Miranda have for a down payment for their car or truck. 4. What do Samuel and Miranda take home in pay each month? 5. What are their fixed expenses each month? 6. If they save $100 per month, how much monthly income remains? 7. What are some things that could happen to Samuel and Miranda that would make their money situation more difficult? 8. How much do you think they could safely spend on a car payment each month? High-Intermediate/Advanced Unit II: Planning for the Future
18 Shopping for a Loan Worksheet 3-3 page 5 Vocabulary Check: Match the vocabulary with the definition. There is one extra definition. can afford benefits down payment expense fee gross income loan officer monthly net remain spend a. every month b. extra charge c. bank employee who helps find loans d. sick leave; vacation leave; medical insurance e. money you pay immediately when you buy a car or house f. what you are able to pay g. the total amount of your salary before taxes h. the amount you actually receive on your paycheck i. the bills you must pay j. the amount of the loan k. what you earn l. what is left m. money you use or pay out High-Intermediate/Advanced Unit II: Planning for the Future
19 Which Loan is Best? Worksheet 3-4 page 1 Which Loan is Best? Which loan? Samuel and Miranda decide that they will need to spend about $10,000 to get the car they want. They plan to buy a used car, but they don t want it to be over three years old. They want it to have a warranty because they don t want to worry about repair costs right away. They are looking at four different places for their loan. At their bank, they have three options. Then, they find a loan with a lower interest rate at a local credit union. Next, they find a loan with a low monthly payment on the internet. Finally, they ask the car dealer what he can offer. California Mutual Bank (Samuel and Miranda s bank) Loan # to be Paid Cost A $10,000 $2,000 $8, % $249 $959 $10,959 B $10,000 $2,000 $8, % $196 $1420 $11,420 C $10,000 $2,000 $8, % $163 $1790 $11,790 Which loan has the lowest monthly payment? Which loan has the lowest interest rate? Which loan has the lowest total cost? High-Intermediate/Advanced Unit II: Planning for the Future
20 Which Loan is Best? Worksheet 3-4 page 2 West Coast Federal Credit Union Loan # to be Paid Cost D $10,000 $2,000 $8, % $246 $860 $10,860 What is best about this loan its interest rate or its monthly payment? Loans R Us Online Loan # to be Paid Cost E $10,000 $2,000 $8, % $142 $2240 $12,240 What is best about this loan the monthly payment or the interest rate? Joe Friendly Used Cars Loan # to be Paid Cost F $10,000 $2,000 $8, % $167 $1999 $11,999 What is best about this loan the monthly payment or the interest rate?
21 Which Loan is Best? Worksheet 3-4 page 3 Answer the following questions about all the loans, A - F. 1. Which loan has the lowest monthly payment? 2. Which loan has the highest monthly payment? 3. Which loan has the lowest interest rate? 4. Which loan has the highest interest rate? 5. What is the lowest total cost? 6. What is the highest total cost? 7. How many years is 36 months? 48 months? 60 months? 72 months? 8. Which loans have lower interest rates shorter loans or longer loans? 9. Which loans have lower monthly payments shorter loans or longer loans? 10. In groups, discuss which loan you think is best for Samuel and Miranda. Which one do you recommend? What are your reasons for choosing this loan?
22 Pronunciation Practice Worksheet 3-5 Pronunciation Practice Pronunciation: Practice asking these questions that you will need to ask a loan officer or financial consultant. Stress the words that are underlined. What s the length of the loan? What s the interest rate? What s the interest rate for a 36 month loan? (or 60, or 72, etc.) What will my monthly payment be? What s the total interest I will pay on the loan? What is the total cost of the car with interest? Are there any additional fees? Information Gap Warm Up Activity Ask and answer questions about the loans. Example. Students ask Teacher: What is the purchase price of the car?, etc. Golden State Bank to be Paid Cost Fees High-Intermediate/Advanced Unit II: Planning for the Future
23 Asking the Right Questions To the Loan Officer Worksheet 3-6 Asking the Right Questions of the Loan Officer (Information Gap Activity) Teacher: Cut Here Student A ask Student B Golden State Bank $8,000 $5,500 to be Paid Cost Fees 7.5% $659 NONE Teacher: Cut Here Student B ask Student A Golden State Bank to be Paid Cost $2, $171 $8,659 Fees High-Intermediate/Advanced Unit II: Planning for the Future
24 Filling Out a Loan Application Worksheet and Answer Key Worksheet 3-7 page 1 Filling Out a Loan Application Loan Application: Fill out the loan application for Samuel and Miranda Reyes. The final step in getting a loan is filling out a loan application. You can find some of the information in the story. Write it down on the application. Then, your teacher will give you the additional information you will need. CREDIT APPLICATION Check If you are applying for individual credit in your own name. Appropriate If you are married, complete section B about your spouse. Box If this is an application for joint credit with another person, complete all sections. Section A. Information Regarding Applicant LAST NAME (PRINT) FIRST MIDDLE INITIAL BIRTHDATE AGES OF 5/23/ DEPENDENTS DRIVER S LICENSE NUMBER SOCIAL SECURITY NUMBER MARRIED UNMARRIED SEPARATED ADDRESS CITY STATE ZIP HOME PHONE ( ) PREVIOUS ADDRESS (TO COVER 5 YEARS RESIDENCE) CITY STATE ZIP HOW LONG? YRS MOS PREVIOUS ADDRESS (TO COVER 5 YEARS RESIDENCE) CITY STATE ZIP HOW LONG? HOW LONG? YRS MOS LIVED IN COMMUNITY? YRS MOS LIVED IN COMMUNITY? YRS OCCUPATION PRESENT EMPLOYER ADDRESS CITY STATE ZIP PHONE MOS YRS MOS HOW LONG? ( 619 ) PREVIOUS EMPLOYMENT (TO COVER 5 YEARS) ADDRESS CITY STATE ZIP PHONE ( ) ADDRESS CITY STATE ZIP PHONE ( ) NEAREST RELATIVE NOT LIVING WITH APPLICANT ADDRESS CITY STATE ZIP PHONE YRS MOS HOW LONG? YRS MOS HOW LONG? YRS MOS RELATIONSHIP ( ) INCOME: Applicant s gross monthly income from employment...$ Alimony, child support, or separate income (need not be revealed if you do not wish to have it considered as a basis for repaying this obligation...$ of other monthly income and source(s)...$ TOTAL MONTHLY INCOME...$
25 Filling Out a Loan Application Worksheet and Answer Key Worksheet 3-7 page 2 SECTION B. Information regarding Spouse, or Co-Applicant (Use separate sheets if necessary.) LAST NAME (PRINT) FIRST INITIAL BIRTHDATE AGES OF 12/1/ DEPENDENTS DRIVER S LICENSE NUMBER SOCIAL SECURITY NUMBER MARRIED UNMARRIED SEPARATED ADDRESS CITY STATE ZIP HOME PHONE ( ) PREVIOUS ADDRESS (TO COVER 5 YEARS RESIDENCE) CITY STATE ZIP HOW LONG? YRS MOS PREVIOUS ADDRESS (TO COVER 5 YEARS RESIDENCE) CITY STATE ZIP HOW LONG? HOW LONG? YRS MOS LIVED IN COMMUNITY? YRS MOS LIVED IN COMMUNITY? YRS OCCUPATION PRESENT EMPLOYER ADDRESS CITY STATE ZIP PHONE MOS YRS MOS HOW LONG? ( 858 ) PREVIOUS EMPLOYMENT (TO COVER 5 YEARS) ADDRESS CITY STATE ZIP PHONE ( ) ADDRESS CITY STATE ZIP PHONE 2 YRS MOS HOW LONG? YRS MOS HOW LONG?.l+,lko7u6nibiNEAREST RELATIVE NOT LIVING WITH APPLICANT ADDRESS CITY STATE ZIP ( ) PHONE ( ) YRS MOS RELATIONSHIP INCOME: Joint Applicant s gross monthly income from employment...$ Alimony, child support, or separate income (need not be revealed if you do not wish to have it considered as a basis for repaying this obligation...$ of other monthly income and source(s)...$ TOTAL MONTHLY INCOME...$ SECTION C. Asset and Debt Information: List all debts including Alimony, Child Support, Separate Maintenance (Use a separate page if necessary.) LANDLORD OR MORTGAGE HOLDER OWN J.C. Park RENT ADDRESS 4915 Bates Road MORTGAGE BALANCE PAYMENT OR RENT DATE HOME PURCHASED AGE OF HOME PRICE PAID FOR HOME MARKET VALUE 2 ND MORTGAGE AMOUNT PAYMENT TYPE OF CREDIT COMPANY NAME ACCOUNT NO. BALANCE MONTHLY PAYMENTS TYPE OF CREDIT COMPANY NAME ACCOUNT NO. BALANCE MONTHLY PAYMENT TYPE OF CREDIT COMPANY NAME ACCOUNT NO. BALANCE MONTHLY PAYMENT PRESENT VEHICLE FINANCED BY ACCOUNT NO. BALANCE MONTHLY PAYMENT BANK REFERENCE ACCOUNT NUMBER BRANCH BALANCE CHECKING SAVINGS
26 Filling Out a Loan Application Worksheet and Answer Key Worksheet 3-7 page 3 HAVE YOU EVER HAD ANY PROPERTY REPOSSESSED? YES NO DO YOU HAVE ANY LAWSUITS PENDING AGAINST YOU? YES NO HAVE YOU EVER FILED BANKRUPTCY? YES NO PERSONAL FRIENDS KNOWN OVER ONE YEAR ADDRESS ZIP PHONE INSURANCE IF YOU WISH TO APPLY FOR VEHICLE INSURANCE IN CONNECTION WITH THIS CREDIT APPLICATION, COMPLETE THE FOLLOWING: PREVIOUS INSURANCE CO. OR AGENT PHONE WHERE WILL VEHICLE BE GARAGED? POLICY NO. HAS YOUR INSURANCE EVER BEEN CANCELED BY ANY COMPANY? YES NO IF YES, WHY? NO. OF INSURANCE LOSSES IN PAST 5 YEARS TOTAL AMOUNT OF LOSSES $ I, the undersigned make the above representations, which are certified correct, for the purpose of securing credit. X Applicant s Signature X Co-Applicant s Signature High-Intermediate/Advanced Unit II: Planning for the Future
27 Filling Out a Loan Application Worksheet and Answer Key Worksheet 3-7 page 4 Loan Application Answer Key Loan Application In order to fill out the form for Sam and Miranda, students can locate the following information in the readings and activities in this lesson: Section A Applicant Last name: Reyes First name: Samuel Status: married Birth date: Story states he is 26 years old. Students can figure year. Occupation: custodian Present Employer: Clean By Dawn for 3 years Income: $1400 Section B Spouse or Co-Applicant Last name: Reyes First name: Miranda Occupation: cashier Present Employer: Electronics Depot Income: $950 Section C Assets and Debts Rent: $750 Bank: Balance: $2040 California Mutual Bank, checking and savings Students can sign for Sam and Miranda If you would like, you can also dictate additional information (part or all) to students. Section A Driver's License Number N Soc. Sec. Number: Address: 4019 Logan Ave. #14 San Diego, CA Samuel has lived there for 5 years. Phone Number: Previous Employer: Number 1 Cleaners Section B No driver's license Soc. Sec. Number: No previous employment Nearest Relative: His phone number is Section C No home purchased. Credit: Miranda's brother Jose Garcia lives in San Diego. Credit Card -- Sears
28 No Balance Account Number: No property repossessed; No lawsuits; No Bankruptcy. Personal Friends: Mike Johnson, San Diego, 92104, Cruz Castro, San Diego, 92093,
Introduction to Banking Lesson 1 Pre-Reading Questions Do you have a checking or savings account in the U.S.? Did you have an account in your country? What is the name of a bank in your neighborhood? What
Introduction Financial Literacy The idea for this curriculum grew out of our experiences with ESL classes sponsored by the Fannie Mae Foundation, entitled, How to Buy a Home in the United States. We found
Beginner & Low-Intermediate Credit Materials Picture Story Bad Credit No Loan! Overhead 2-A Picture Story Bad Credit No Loan! www.valrc.org/courses/moneytalks Beginner/Low-Intermediate Unit II: Planning
Unit 2 Saving Money Literacy Level Materials The Car Accident Lesson 1: Saving Money Picture Story Literacy Level Overhead 1-A page 1 Talk about this picture. Where are they? What s the matter? Can they
Lesson Description The students are presented with real life situations in which young people have to make important decisions about their future. Students use an online tool to examine how the cost of
Unit 3 Checking Accounts High-Intermediate and Advanced Objectives Identify vocabulary and concepts related to checking account services and related fees. Understand eligibility requirements for opening
A COMPREHENSIVE GUIDE TO YOUR CREDIT SCORE You hear a lot of things about your credit score and how important it is, but how much do you really know about it? Courtesy of Arbor Financial Credit Union This
Page 1 VISA Credit Card Application To apply for a Central Keystone FCU VISA credit card, please print the application and fax it to us at (570) 286-5738. CREDIT LIMIT REQUESTED: $ Important Instructions:
Being a Penn State Federal Credit Union member allows you to take advantage of the Credit Union s competitive interest rates and superior member service. Attached are all the forms necessary to process
PLEASE READ BEFORE COMPLETING APPLICATION ANY QUESTIONS SHOULD BE ASKED PRIOR TO COMPLETING THE APPLICATION 1. Application and application fee of $25.00 cash (if applicant and co-applicant $50.00) is submitted
Basic Banking Services and Checking Accounts Beginner & Low-Intermediate Materials What Can a Bank Do for You? Lesson 1: Introduction to Banking Services Worksheet 1-1 page 1 What Can a Bank Do for You?
Personal Loan Guidelines Loan applicants must live in Northeast Ohio and have an income, the ability to repay the loan and the inability to obtain the money from a conventional lender. The maximum loan
Valley Wide of PA FCU 209 East Fifth Ave, Suite B PHONE: (724) 226-1664 Tarentum, PA 15084 FAX: (724) 226-2127 Email: firstname.lastname@example.org Web: www.creditunions.cc/valley Home Equity LOAN INSTRUCTIONS 1. Complete
financial literacy Budgeting Made Simple: Money Management 101 Aim Given budget guidelines and a scenario that includes household income and expenses, students will be able to develop a level-appropriate
LOAN APPLICATION WHEN YOU HAVE COMPLETED THESE FORMS PLEASE RETURN THE SIGNED DOCUMENTS AND A BANKER WILL CONTACT YOU. By Mail to: ANCHOR BANK, N.A., 14665 GALAXIE AVE, SUITE 330 APPLE VALLEY, MN 55124
PERSONAL FINANCIAL STATEMENT Financial Condition as of:, 20 Complete this form for: (1) each proprietor, or (2) each partner who has ownership interest, or (3) each stockholder having ownership interest,
Unit 4 - Good Debt, Bad Debt: Using Credit Wisely Credit Facts Nearly 33% of teens owe money to either a person or company, with an average debt of $230. About 26% of teens ages 16-18 already have more
Personal Financial Literacy 7 Unit Overview Being financially literate means taking responsibility for learning how to manage your money. In this unit, you will learn about banking services that can help
FINANCIAL ASSISTANCE APPLICATION INSTRUCTIONS Please remove the instructions before completing the application. INSTRUCTIONS FOR COMPLETING THE FINANCIAL ASSISTANCE APPLICATION PAGE 1 1. Complete the patient
lesson nine cars and loans overheads the cost of owning and operating a car ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration
Personal Financial Statement CONTACT YOUR BANK REPRESENTATIVE IF YOU HAVE ANY QUESTIONS REGARDING THE COMPLETION OF THIS FORM. You may apply for a credit extension or financial accommodation individually
CITY OF SAN MARCOS DOWNPAYMENT ASSISTANCE PROGRAM (Homebuyer completes this form.) Self Qualification Form Name: Before you submit your application, and pay your $350 non-refundable Downpayment Assistance
Application PLEASE ANSWER ALL QUESTIONS. INFORMATION CONTAINED IN THIS APPLICATION WILL BE KEPT IN STRICT CONFIDENCE AND REVEWED ONLY BY THE SAN JOAQUIN COUNTY MEDICAL SOCIETY SCHOLARSHIP LOAN FUND COMMITTEE.
BANKRUPTCY INTAKE FORM Instructions: Fill out this form in its entirety. Upon completion, you may fax the form with a cover sheet with my name on it to (804) 796 6775, you may email the form to my attention
SEPARATION AGREEMENT This agreement is made and executed by and between referred to below as Husband, and referred to below as Wife. The parties to this Agreement were lawfully married on (date) in the
PLEASE USE BLUE INK APPLICATION FOR HOUSING DEVELOPMENT NAME Renaissance II, Smith Hill Vision, Smith Hill Vision II DEVELOPMENT NUMBER 525 / 514 DEVELOPMENT ADDRESS 47 Goddard Street 1 st Flr. Providence,
NOTE: With this type of form, to be completed by the client you would want the top portion to approximate your letterhead in case someone picked up this form for another to complete or some other reason
lesson three budgeting your money teacher s guide budgeting your money lesson outline lesson 3 overview I m all out of money, and I won t get paid again until the end of next week! This is a common dilemma
Missouri Assistive Technology 1501 NW Jefferson Street Blue Springs, MO 64015 Voice: 800-647-8557 (in-state only) or 816-655-6700 TTY: 800-647-8558 (in-state only) or 816-655-6711 www.at.mo.gov Application
New Hire Booklet Employee Name Company Code 2001 ADP TotalSource Services, Inc. 0104-0801 Welcome to ADP TotalSource The Basic Employment Policies included in this Booklet will explain your relationship
Hands on Banking Money Management Tools 1 Budgeting and Savings The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the program anytime at www.handsonbanking.org
4. How to Buy a Car Building a Better Future 151 152 Building a Better Future UNIT 4: HOW TO BUY A CAR Lesson 1: How to Choose the Right Car Lesson Objectives: Students will understand what to consider
Dear Applicant: Thank you for your recent inquiry of occupancy at a Carabetta Management Company apartment community. Due to the nature of Federal Assistance provided for these properties, we are required
HOME EQUITY LOAN APPLICATION PLEASE TYPE OR PRINT IMPORTANT APPLICANT INFORMATION: Federal law requires financial institutions to obtain sufficient information to verify your identity. You may be asked
LIST OF ITEMS NEEDED TO PROCESS YOUR HOME EQUITY LINE OF CREDIT OR FIXED RATE SECOND MORTGAGE LOAN APPLICATION 1. Fully completed and signed loan Application. 2. Signed Authorization to Release Information.
Student Activities for How to Find A Good Used Car NOTE TO EDUCATORS The activities in this resource aim to provide learning opportunities for both literacy and ESL students. The final decision as to which
M. Caroline Cantrell & Associates, PC Attorney at Law 8800 SE Sunnyside Road, Suite 207N, Clackamas, OR 97015 (503) 236-9211 549 NW 2nd Avenue, Canby Oregon 97013 (503) 266-0382 Date: PENDING FORECLOSURE,
Tax Preparation - Client Information Sheet NOTE: THERE ARE NEW QUESTIONS. PLEASE LOOK OVER CAREFULLY. COMPLETE AND SIGN. THANK YOU! Date: DROP-OFFS: If you own a Business or Rental Property, it is best
Lesson 10 Control Debt Use Credit Wisely Lesson Description In this lesson, students, through a series of interactive and group activities, will explore the concept of credit and the impact of liabilities
debt Managing debt Easy to get into, harder to get out Inside... Think before you borrow Know your options Make a debt repayment plan Think before you borrow Borrowing money is called getting into debt.
ALL PURPOSE LOAN APPLICATION VARIABLE RATE REQUESTED LOAN AMOUNT FIXED RATE TYPE OF LOAN: Visa Platinum Card Gold MasterCard Classic MasterCard Agency Secured Vehicle Home Equity Signature Signature Line
CITY OF VICTORVILLE OWNER OCCUPIED HOME REPAIR LOAN APPLICATION Administered by Neighborhood Partnership Housing Services, Inc. Submit completed application and all requested information to: NPHS, Inc.
Visa Credit Card Application HOW TO APPLY: (a) Complete all Sections pursuant to the ice to Applicants; (b) sign all applicable signature lines on page two (2); and (c) mail, email, fax, or bring the completed
VISA CLASSIC/VISA PLATINUM F1 APPLICATION AND SOLICITATION DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases F2 F3 APR for Balance Transfers APR for Cash Advances
Module 4: Goal Setting and Planning This module addresses the ways in which goal setting and planning help to promote life satisfaction. Setting goals helps people to look forward to the future and have
Small Business Lending Small Business Capital LLC an SBA Authorized Direct Lender LOAN APPLICATION This checklist has been provided to assist you through the process of gathering the necessary information
611 N. 10 th Street Suite 675 St. Louis, MO 63101 tel: 314.371.0033 fax: 314.241.5484 RENTAL APPLICATION Equal Housing Opportunity The undersigned hereby makes an application to rent unit located at: Anticipated
North Lanarkshire Community Legal Service Debt Self Help Pack March 2013 01236 757 329 Contents Introduction to North Lanarkshire Community Legal Service Page 3 How to use this Debt Pack Page 4 Step One:
TAKOMA LANDING Apartment Homes 790 Fairview Ave, Suite 213 Telephone: 301-891-2020 Takoma Park, MD 20912 Fax: 301-891-2958 www.takomalanding.com Dear Prospective Resident, Thank you for your interest in
CHAPTER 11 STRATEGY FOR SURVIVAL Copyright 2008 Tom T. Moore If you re reading this several months in advance, there are a number of things that you can do to prepare for these coming earthquakes. I realize
DIVORCE QUESTIONNAIRE Please take the time to write down the following information. You will need this information to prepare your divorce pleadings and to provide the court all the relevant information.
PERSONAL FINANCIAL STATEMENT YOU MAY APPLY FOR A SURETY CREDIT EXTENSION INDIVIDUALLY OR JOINTLY WITH A CO-. THIS STATEMENT AND ANY APPLICABLE SUPPORTING SCHEDULES MAY BE COMPLETED JOINTLY BY BOTH MARRIED
Ending a hire purchase agreement Useful information from the National Consumer Agency Helpline lo-call 1890 432 432 If you have a car finance agreement, it could be a hire purchase agreement rather than
Home Equity Line of Credit Application Home improvement. Your child s education. Bill consolidation. A dream car or vacation. Tap into your home s equity and we can help! Life matters. call: 534.4300 /
THE POCKET LAWYER Document Preparation Service p Workbook y We Help You Help Yourself UNCONTESTED DIVORCE - CALIFORNIA PART A All rights reserved. No part of this workbook may be reproduced by any means
Effective Strategies for Personal Money Management The key to successful money management is developing and following a personal financial plan. Research has shown that people with a financial plan tend
Youth Low Interest Ag Loan Program Please Read Below As Polic y Has Changed We will need the following items to process your loan. Incomplete information won t be processed. Business plan & Project Information
Print court information exactly as it appears on your Petition for Divorce Cause Number: IN THE MATTER OF THE MARRIAGE OF Petitioner: Print first, middle and last name of the spouse filing for divorce.
Banking and Budgeting By Dawn R. Owens and Lisa Rutner Federal Reserve Bank of Atlanta Lesson Plan of the Year Contest, 2007 2008 Second Place LESSON DESCRIPTION This five-day unit is designed as a hands-on
GreenStreet Home Equity Loan In an effort to give you the best possible service, we would like to make you aware of the information that you will need to provide the Bank, in addition to the enclosed documents.
TFCU Business Vehicle Loan Application - 1 BUSINESS VEHICLE LOAN APPLICATION Thank you for choosing Teachers Federal Credit Union to apply for the financing of your business vehicle. This application is
DETROIT SMALL BUSINESS MICROLOAN PROGRAM CENTER FOR EMPOWERMENT & ECONOMIC DEVELOPMENT (CEED) WCCCD 8200 W OUTER DRIVE DETROIT, MI 48219 PHONE: 313/255 1020 WEBSITE: WWW.MICEED.ORG LOAN APPLICATION GUIDELINES
$ Section 7 89 Not many young people will be in a position to buy a property when they first leave home. However, it may be of use to learn a little about how the process works. We asked a group of people
Budgeting: Managing Your Money with a Spending Plan Budgeting: Managing Your Money with a Spending Plan Are you making the best use of your money? Do you have a handle on how much comes in each month and
HOUSING AUTHORITY OF THE CITY OF SAN BUENAVENTURA 995 Riverside Street * Ventura, CA 93001 Phone (805) 648-5008 Fax (805) 643-7984 AFFORDABLE HOUSING PROGRAM APPLICATION INSTRUCTIONS FOR APPLICANT 1. Important!
Vehicle Application ALL SECTIONS (INCLUDING THE ATTACHED BUDGET FORM) MUST BE COMPLETED FOR YOUR APPLICATION TO BE REVIEWED CONTACT INFORMATION Name: Address: City: State: Zip: County/Township: Day Phone:
Marion County Board of County Commissioners Community Services 2631 SE Third St. Ocala, FL 34471 Phone: 352-671-8770 Fax: 352-671-8769 HOUSING ASSISTANCE PROGRAMS LOAN APPLICATION State Housing Initiatives
Overview 2: Saving money This topic is about saving money and how it can help you plan ahead. It helps your client understand how to start a savings plan, how much money to save (even if a small amount)
Home Tutor Scheme Lesson Plan Topic: BANKING INTRODUCTION FUNCTIONS & STRUCTURES EXTENSIONS 1. Vocabulary 2. Warm up questions 3. Reading 1. Filling in Bank Forms 2. Structures 3. Sample Dialogues 1. A
lesson nine cars and loans overheads the cost of owning and operating a motor vehicle ownership (fixed) costs: Depreciation (based on purchase price) Interest on loan (if buying on credit) Insurance Registration
Math 107 Worksheet #23 Loans Practice M P r ( 1 + r) n ( 1 + r) n =, M = the monthly payment; P = the original loan amount; r = the monthly interest rate; n = number of payments 1 For each of the following,
CREDIT CARD APPLICATION A table that includes the APRs and other required cost disclosures for credit card applications is on the next page of this application. Check below to indicate the type of credit
Mission The mission of ACCION San Diego is to provide economic opportunity to low to moderate income entrepreneurs who lack access to loans from traditional sources. By providing support services and business
Borrowing Basics Building: Knowledge, Security, Confidence FDIC Financial Education Curriculum TABLE OF CONTENTS Page What Is Credit? 1 Why Is Credit Important? 1 Types of Loans 2 Practice Exercise: Types
Dear Applicant, Thank you for requesting an application for an apartment. Enclosed, please find an application package. Please read the application carefully, complete every section, and date where indicated.
STATE OF RHODE ISLAND AND PROVIDENCE PLANTATIONS STATEMENT OF ASSETS, LIABILITIES, INCOME AND EXPENSES FAMILY COURT DR6/FINANCIAL STATEMENT, S.C Case # A DR6 shall be filed with Complaints for Divorce,
DIVORCE INTERVIEW SHEET (rev. 4/2012) We need the following information to make sure that you qualify to do your own divorce and to give you appropriate information regarding how to do your own divorce.
Orlando Housing Authority Orlando Housing Authority Primary Business Address Your Address Line 2 Your Address Line 3 Your Address Line 4 Phone: 555-555-5555 Fax: 555-555-5555 E-mail: email@example.com