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         READ THE FINE PRINT



         Complete the following on paper or in digital format.
         Use your reading skills to make sure you understand your bank’s policies about the account you use most (checking or sav-
         ings). Look up your type of account on your bank’s website, and read the rules. Then answer the following questions.
           1.  Can you make withdrawals and deposits online, without a fee?

           2.  Can you make withdrawals and deposits in the bank, without a fee?
           3.  Can your transfer money electronically between accounts?
           4.  Is there a monthly fee? __________ If so, how much is it?
           5.  Is there a limit for checks, debits, or ATM transactions? If so, describe it.
           6.  Describe any other fees or rules involved (such as minimum balance).
           7.  What happens if a check you write bounces? What if someone else’s check bounces?
           8.  What happens if you overdraw your account? If overdraft protection is available, how much does it cost?







                                   HOW CAN SQ3R IMPROVE
                                             your reading?


                                   Reading is an interactive form of communication in which an author communi-
                                   cates ideas to you and invites your response. How can you respond? One answer is
                                   provided by the SQ3R reading strategy, which stands for Survey, Question, Read,
                                   Recite, and Review.  This technique requires that you interact with reading material by
                                                   1
                 SKIMMING          asking questions, marking ideas, discovering connections, and more. In return, it
                                   rewards you with greater ability to take in, understand, and remember what you read.
               Rapid, superficial
              reading of material to
                                      As you move through the stages of SQ3R, you will first skim and scan your text.
              determine central ideas    Skimming refers to rapidly reading chapter elements such as section introductions and
                and main elements.
                                   conclusions, boldfaced or italicized terms, pictures and charts, and summaries. The
                                   goal of skimming is to quickly identify the main ideas. In contrast, scanning involves a
                                   careful search for specific information. You might use scanning during the SQ3R review
                                   phase to locate particular facts.
                 SCANNING
                                      Just like many strategies presented to you throughout your college career, SQ3R works
              Reading material in an
            investigative way to search    best if you adapt it to your own needs. Explore the techniques, evaluate what works, and
                                   then make the system your own. See the Multiple Intelligences grid in this chapter for ideas
              for specific information.
                                   about how to apply your MI strengths to different choices in the SQ3R process.
                                      Keep in mind that SQ3R works best with textbook-based courses like science,
                                   math, social sciences, and humanities. SQ3R is not recommended for literature courses.

                                   Step 1: Survey

                                   Surveying, the first stage in SQ3R, is the process of previewing, or pre-reading a book
                                   before you study it. Compare surveying to looking at a map before a road trip; deter-
                                   mining the route in advance will save time and trouble while you travel. Gary made
                                   extensive use of the survey tools that most textbooks provide, and you can too. These
                                   tools include the following:

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