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Use the table to find the monthly checking-account service charge for the account.
1
e To Amount 6)
Bal. Bro't.
For'd
Deposits
2
7) 7)
Bal. Bro't.
Date To Amount For'd Deposits
Dec. 7 DynaPro Tech $653.23 $1242.13
3
11) 11)
CHECK CHECK ISSUED TO AMOUNT AMOUNT OF BALAN
NO. OF CHECK DEPOSIT
BALANCE FORWARD → 2928.03
1723 MCI Telephone BROUGHT
160.45
1724 Rita's Caterers 455.53
Deposit 141.45
1725 CES Utility 480.54
Deposit 467.88
From the following credit card transactions, find the gross deposit and the discount fee paid at the rate given.
14) Bob's Bicycle Shop pays a 4% discount fee on the gross 14)
deposit.
Sales Credits
$139.16 $186.33 $35.67
$75.24 $191.57 $28.88
$74.17 $166.73 $20.35
$111.49 $121.83
Sales Credits
$52.94 $165.97 $41.87
$177.54 $196.98 $23.55
$113.27 $163.44 $43.77
$69.17 $50.04
Sales Credits
$199.56 $31.26 $17.85
$145.41 $196.63 $10.73
$26.41 $158.78 $20.35
$160.65 $177.79
Sales Credits
$71.18 $66.92 $22.55
$13.14 $50.32 $18.45
$71.96 $64.98 $26.04
$15.38 $92.87
5
19) 19)
Balance from bank $4106.91
statement $493.71
Checks outstanding $164.34
$393.44
$230.39
Deposits not yet recorded $213.72
$265.94
Bank charge $2.88
Interest credit $9.03
Checkbook balance $3298.54
Current balance
6
19) 21) 19)
Balance from bank $4106.91
statement
A) $1166.70 $493.71
B) $1165.51 C) $1167.89 D) $1817.30
Checks outstanding $164.34
$393.44
$230.39
7
22) 22)
Balance from bank $7266.80
statement $624.11
Checks outstanding $813.89
$237.44
$180.67
$284.15
Deposits not yet recorded $145.03
$329.33
$867.39
Bank charge $30.95
Interest credit $9.14
Checkbook balance $6490.10
Current balance
SHORT ANSWER. Write the word or phrase that best completes each statement or answers the question.
Answer the question or give an explanation.
23) List and explain at least six parts of a check. Draw a sketch showing where the 23)
parts appear.
24) List and explain some differences between personal and business checking accounts. 24)
25) Explain the factors that determine the bank service charges on a business 25)
checking
account.
26) Describe the differences between keeping a check stub record of checks written 26)
versus a
check register.
27) Describe at least four services a bank can provide to its business checking 27)
account
customers.
28) List some advantages and disadvantages for a merchant to accept credit cards. 28)
29) List some advantages and disadvantages for a customer to use credit cards. 29)
30) Describe the effect on merchants and customers if credit card usage suddenly stopped. 30)
31) Describe in your own words how to reconcile a checking account. 31)
32) Name four posting or recording errors that can cause an unbalanced checking account. 32)
8
Answer Key
Testname: UNTITLED5
1) A
2) A
3) A
4) B
5) D
6) C
7) D
8) B
9) B
10) C
11) A
12) A
13) C
14) D
15) B
16) D
17) C
18) B
19) D
20) B
21) A
22) D
23) Answers will vary.
24) Answers will vary.
25) Answers will vary.
26) Answers will vary.
27) Answers will vary.
28) Answers will vary.
29) Answers will vary.
30) Answers will vary.
31) Answers will vary.
32) Answers will vary.
9
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XII
A. D. 1842
A YEAR’S ADVENTURES
* * * * *
Captain Ross was in the Antarctic, coasting the great ice barrier.
Last year he had given to two tall volcanoes the names of his ships,
the Erebus and Terror. This year on March twelfth in a terrific gale with
blinding snow at midnight the two ships tried to get shelter under the
lee of an iceberg, but the Terror rammed the Erebus so that her bow-
sprit, fore topmast and a lot of smaller spars were carried away, and
she was jammed against the wall of the berg totally disabled. She
could not make sail and had no room to wear round, so she sailed out
backward, one of the grandest feats of seamanship on record; then,
clear of the danger, steered between two bergs, her yard-arms almost
scraping both of them, until she gained the smoother water to leeward,
where she found her consort.
* * * * *
In Canada the British governor set up a friendship between the
French Canadians and our government which has lasted ever since.
That was on the eighth of September, but on the fifth another British
dignitary sailed for home, having generously given a large slice of
Canada to the United States.
* * * * *
In Hayti there was an earthquake, in Brazil a revolution; in Jamaica
a storm on the tenth which wrecked H. M. S. Spitfire, and in the
western states Mount Saint Helen’s gave a fine volcanic eruption.
Northern Mexico was invaded by two filibustering expeditions from
the republic of Texas, and both were captured by the Mexicans. There
were eight hundred fifty prisoners, some murdered for fun, the rest
marched through Mexico exposed to all sorts of cruelty and insult
before they were lodged in pestilence-ridden jails. Captain Edwin
Cameron and his people on the way to prison overpowered the escort
and fled to the mountains, whence some of them escaped to Texas.
But the leader and most of his men being captured, President Santa
Ana arranged that they should draw from a bag of beans, those who
got black beans to be shot. Cameron drew a white bean, but was shot
all the same. One youth, G. B. Crittenden, drew a white bean, but gave
it to a comrade saying, “You have a wife and children; I haven’t, and I
can afford to risk another chance.” Again he drew white and lived to be
a general in the great Civil War.
General Green’s party escaped by tunneling their way out of the
castle of Perot, but most of the prisoners perished in prison of hunger
and disease. The British and American ministers at the City of Mexico
won the release of the few who were left alive.
* * * * *
In 1842 Sir James Simpson, Governor of the Hudson’s Bay
Company, with his bell-topper hat and his band, came by canoe across
the northern wilds to the Pacific Coast. From San Francisco he sailed
for Honolulu in the Sandwich Islands, where the company had a large
establishment under Sir John Petty. On April sixteenth he arrived in the
H. B. ship Cowlitz at the capital of Russian America. “Of all the
drunken as well as the dirty places,” says he, “that I had ever visited,
New Archangel was the worst. On the holidays in particular, of which,
Sundays included, there are one hundred sixty-five in the year, men,
women and even children were to be seen staggering about in all
directions drunk.” Simpson thought all the world, though, of the
Russian bishop.
The Hudson’s Bay Company had a lease from the Russians of all
the fur-trading forts of Southeastern Alaska, and one of these was the
Redoubt Saint Diogenes. There Simpson found a flag of distress,
gates barred, sentries on the bastions and two thousand Indians
besieging the fort. Five days ago the officer commanding, Mr.
McLoughlin, had made all hands drunk and ran about saying he was
going to be killed. So one of the voyagers leveled a rifle and shot him
dead. On the whole the place was not well managed.
From New Archangel (Sitka) the Russian Lieutenant Zagoskin
sailed in June for the Redoubt Saint Michael on the coast of Behring
Sea. Smallpox had wiped out all the local Eskimos, so the Russian
could get no guide for the first attempt to explore the river Yukon. A
day’s march south he was entertained at an Eskimo camp where there
was a feast, and the throwing of little bladders into the bay in honor of
Ug-iak, spirit of the sea. On December ninth Zagoskin started inland
—“A driving snow-storm set in blinding my eyes ... a blade of grass
seventy feet distant had the appearance of a shrub, and sloping
valleys looked like lakes with high banks, the illusion vanishing upon
nearer approach. At midnight a terrible snow-storm began, and in the
short space of ten minutes covered men, dogs and sledges, making a
perfect hill above them. We sat at the foot of a hill with the wind from
the opposite side and our feet drawn under us to prevent them from
freezing, and covered with our parkas. When we were covered up by
the snow we made holes with sticks through to the open air. In a short
time the warmth of the breath and perspiration melted the snow, so
that a man-like cave was formed about each individual.” So they
continued for five hours, calling to one another to keep awake, for in
that intense cold to sleep was death. There we may as well leave
them, before we catch cold from the draft.
* * * * *
Fremont was exploring from the Mississippi Valley a route for
emigrants to Oregon, and in that journey climbed the Rocky Mountains
to plant Old Glory on one of the highest peaks. He was a very fine
explorer, and not long afterward conquered the Mexican state of
California, completing the outline of the modern United States. But
Fremont’s guide will be remembered long after Fremont is forgotten,
for he was the greatest of American frontiersmen, the ideal of modern
chivalry, Kit Carson. Of course he must have a chapter to himself.
XIII
A.D. 1843
KIT CARSON
General Nicholson
Nicholson’s column on the march was surrounded by his own
wild guards riding in couples, so that he, their god, searched the
whole country with five hundred eyes. After one heart-breaking night
march he drew up his infantry and guns, then rode along the line
giving his orders: “In a few minutes you will see two native regiments
come round that little temple. If they bring their muskets to the
‘ready,’ fire a volley into them without further orders.”
As the native regiments appeared from behind the little temple,
Nicholson rode to meet them. He was seen to speak to them and
then they grounded their arms. Two thousand men had surrendered
to seven hundred, but had the mutineers resisted Nicholson himself
must have perished between two fires. He cared nothing for his life.
Only once did this leader blow mutineers from the guns, and
then it was to fire the flesh and blood of nine conspirators into the
faces of a doubtful regiment. For the rest he had no powder to
waste, but no mercy, and from his awful executions of rebels he
would go away to hide in his tent and weep.
He had given orders that no native should be allowed to ride
past a white man. One morning before dawn the orderly officer, a lad
of nineteen, seeing natives passing him on an elephant, ordered
them sharply to dismount and make their salaam. They obeyed—an
Afghan prince and his servant, sent by the king of Cabul as an
embassy to Captain Nicholson. Next day the ambassador spoke of
this humiliation. “No wonder,” he said, “you English conquer India
when mere boys obey orders as this one did.”
Nicholson once fought a Bengal tiger, and slew it with one stroke
of his sword; but could the English subdue this India in revolt? The
mutineers held the impregnable capital old Delhi—and under the red
walls lay four thousand men—England’s forlorn hope—which must
storm that giant fortress. If they failed the whole population would
rise. “If ordained to fail,” said Nicholson, “I hope the British will drag
down with them in flames and blood as many of the queen’s
enemies as possible.” If they had failed not one man of our race
would have escaped to the sea.
Nicholson brought his force to aid in the siege of Delhi, and now
he was only a captain under the impotent and hopeless General
Wilson. “I have strength yet,” said Nicholson when he was dying, “to
shoot him if necessary.”
The batteries of the city walls from the Lahore Gate to the
Cashmere Gate were manned by Sikh gunners, loyal to the English,
but detained against their will by the mutineers. One night they saw
Nicholson without any disguise walk in at the Lahore Gate, and
through battery after battery along the walls he went in silence to the
Cashmere Gate, by which he left the city. At the sight of that gaunt
giant, the man they believed to be an incarnate god, they fell upon
their faces. So Captain Nicholson studied the defenses of a
besieged stronghold as no man on earth had ever dared before. To
him was given command of the assault which blew up the Cashmere
Gate, and stormed the Cashmere breach. More than half his men
perished, but an entry was made, and in six days the British fought
their way through the houses, breaching walls as they went until they
stormed the palace, hoisted the flag above the citadel, and proved
with the sword who shall be masters of India.
But Nicholson had fallen. Mortally wounded he was carried to his
tent, and there lay through the hot days watching the blood-red
towers and walls of Delhi, listening to the sounds of the long fight,
praying that he might see the end before his passing.
Outside the tent waited his worshipers, clutching at the doctors
as they passed to beg for news of him. Once when they were noisy
he clutched a pistol from the bedside table, and fired a shot through
the canvas. “Oh! Oh!” cried the Pathans, “there is the general’s
order.” Then they kept quiet. Only at the end, when his coffin was
lowered into the earth, these men who had forsaken their hills to
guard him, broke down and flung themselves upon the ground,
sobbing like children.
Far off in the hills the Nicholson fakirs—a tribe who had made
him their only god—heard of his passing. Two chiefs killed
themselves that they might serve him in another world; but the third
chief spoke to the people: “Nickelseyn always said that he was a