테레사 아줌마 바기오 하숙 및 홈스테이

May 31, 2017 The Undesirable Gift Kim enjoys giving gifts to her friends, co-workers, family members, and herself.  She loves the holiday season.  Store shelves are stocked with bright, shiny items.  Joy is in the air and sale signs are 1.)_______.  There are so many things for her to 2.)_______! This year she is trying to enjoy the holiday season with less expensive gifts.  Last year she overspent.  As a result, she received a “gift” of three overdrafts from her bank.  They cost $30.00each.  Kim has learned what an overdraft and 3.)______ check are and how to avoid them.  When a person writes a check, withdraws money from an ATM, uses a 4.)______ card to make a purchase, or makes an 5.)_______ bill payment for more than the amount in his or her checking6.)________, the account is overdrawn. The bank has the choice to either pay the amount or not pay the amount.  If it pays, an 7.)________ fee is charged to the account holder.  If the bank returns the check without paying it, the account holder is charged a “bounced check,” or “non 8.)_______ funds,” fee.  In addition, the person or store that the check was written to may charge the account holder a “returned check” fee. In order to prevent 9.)________ and bounced checks, Kim has made some changes in how she manages her money.  She is 10.)______ about keeping her account register up-to-date.  She records all checks when she writes them and other transactions as she makes them. Kim does a lot of electronic transactions.  She is now in the habit of recording all her ATM withdrawals and fees, as well as debit card purchases and online payments, on a daily basis. Kim reviews her account statements each month.  Plus, in between statements she will oftencall her bank or check online to find out what payments have cleared and her current account balance.  Kim does not plan to receive any undesirable gifts from her bank this holiday season.