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<?xml-stylesheet type="text/xsl" media="screen" href="/~d/styles/rss2full.xsl"?><?xml-stylesheet type="text/css" media="screen" href="http://feeds.feedburner.com/~d/styles/itemcontent.css"?><rss xmlns:atom="http://www.w3.org/2005/Atom" xmlns:openSearch="http://a9.com/-/spec/opensearch/1.1/" xmlns:georss="http://www.georss.org/georss" xmlns:gd="http://schemas.google.com/g/2005" xmlns:thr="http://purl.org/syndication/thread/1.0" xmlns:feedburner="http://rssnamespace.org/feedburner/ext/1.0" version="2.0"><channel><atom:id>tag:blogger.com,1999:blog-2008675846045748548</atom:id><lastBuildDate>Wed, 22 Feb 2012 16:19:42 +0000</lastBuildDate><category>ESL</category><category>Women</category><category>Women's History Month</category><category>Uighur</category><category>Urumqi</category><title>Milpitas Chat</title><description>ESL Conversation Practice with Audio and Video resources.</description><link>http://www.milpitaschat.com/</link><managingEditor>noreply@blogger.com (Teacher Jennifer)</managingEditor><generator>Blogger</generator><openSearch:totalResults>859</openSearch:totalResults><openSearch:startIndex>1</openSearch:startIndex><openSearch:itemsPerPage>25</openSearch:itemsPerPage><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="self" type="application/rss+xml" href="http://feeds.feedburner.com/MilpitasChat" /><feedburner:info uri="milpitaschat" /><atom10:link xmlns:atom10="http://www.w3.org/2005/Atom" rel="hub" href="http://pubsubhubbub.appspot.com/" /><feedburner:browserFriendly></feedburner:browserFriendly><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-7983352988645051832</guid><pubDate>Wed, 22 Feb 2012 16:14:00 +0000</pubDate><atom:updated>2012-02-22T08:16:48.720-08:00</atom:updated><title>Resume Writing 5: Objectives, Summaries or Professional Profiles</title><description>&lt;strong&gt;&lt;a href="http://www.gcflearnfree.org/resumewriting/5"&gt;GCFLearnFree: Resume Writing 5: Objectives, Summaries or Professional Profiles&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;In this lesson, you will compare statements and understand their purpose. Then you will determine which one is best for you in order to create one for your own resume..&lt;br /&gt;&lt;br /&gt;&lt;em&gt;&lt;strong&gt;Note--there are 4 web pages--click at the bottom of each page.&lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;You can see all of the Resume Writing lessons at &lt;a href="http://www.gcflearnfree.org/resumewriting"&gt;GCFLearnFree: Resume Writing&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-7983352988645051832?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/resume-writing-5-objectives-summaries.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-953394066686276976</guid><pubDate>Tue, 21 Feb 2012 08:01:00 +0000</pubDate><atom:updated>2012-02-22T08:17:36.266-08:00</atom:updated><title>Resume Writing 4: Contact Information</title><description>&lt;strong&gt;&lt;a href="http://www.gcflearnfree.org/resumewriting/4"&gt;GCFLearnFree: Resume Writing 4: Contact Information&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;It all starts with your name and other contact information. In this lesson, you learn what contact to include and how to place it on your resume.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;&lt;strong&gt;Note--there are 3 web pages--click at the bottom of each page.&lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;You can see all of the Resume Writing lessons at &lt;a href="http://www.gcflearnfree.org/resumewriting"&gt;GCFLearnFree: Resume Writing&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-953394066686276976?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/resume-writing-4-contact-information.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-7061481581555615414</guid><pubDate>Mon, 20 Feb 2012 20:08:00 +0000</pubDate><atom:updated>2012-02-22T08:18:26.511-08:00</atom:updated><title>Resume Writing 3: Resume Tips and Strategies</title><description>&lt;strong&gt;&lt;a href="http://www.gcflearnfree.org/resumewriting/3"&gt;GCFLearnFree: Resume Writing 3: Resume Tips and Strategies&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;during this lesson, you will review tips and strategies for creating a winning resume and identify common mistakes to avoid in the process. You will also learn about considerations for including links to online profiles and personal web pages.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;&lt;strong&gt;Note--there are 5 web pages--click at the bottom of each page.&lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;You can see all of the Resume Writing lessons at &lt;a href="http://www.gcflearnfree.org/resumewriting"&gt;GCFLearnFree: Resume Writing&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-7061481581555615414?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/resume-writing-3-resume-tips-and.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-748307190395047040</guid><pubDate>Sun, 19 Feb 2012 20:05:00 +0000</pubDate><atom:updated>2012-02-22T08:19:03.530-08:00</atom:updated><title>Resume Writing 2: Resume Formats - Choosing the Right One</title><description>&lt;strong&gt;&lt;a href="http://www.gcflearnfree.org/resumewriting/2"&gt;GCFLearnFree: Resume Writing 2: Resume Formats - Choosing the Right One&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;In this lesson, we will explore the various ways key information is presented on a chronological, functional and combination resume.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;&lt;strong&gt;Note--there are 5 web pages--click at the bottom of each page.&lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;You can see all of the Resume Writing lessons at &lt;a href="http://www.gcflearnfree.org/resumewriting"&gt;GCFLearnFree: Resume Writing&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-748307190395047040?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/resume-writing-2-resume-formats.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5258705864049081886</guid><pubDate>Sat, 18 Feb 2012 19:59:00 +0000</pubDate><atom:updated>2012-02-22T08:19:42.215-08:00</atom:updated><title>Resume Writing 1: Why You Need a Resume</title><description>&lt;strong&gt;&lt;a href="http://www.gcflearnfree.org/resumewriting/1"&gt;GCFLearnFree: Resume Writing 1: Why You Need a Resume&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;In this lesson, you will understand what a resume is and the various ways in which it is used. We will also explore what information is contained in a resume.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;&lt;strong&gt;Note--there are 7 web pages--click at the bottom of each page.&lt;/strong&gt;&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;You can see all of the Resume Writing lessons at &lt;a href="http://www.gcflearnfree.org/resumewriting"&gt;GCFLearnFree: Resume Writing&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5258705864049081886?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/resume-writing-1-why-you-need-resume.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-4780264407939982482</guid><pubDate>Fri, 17 Feb 2012 23:16:00 +0000</pubDate><atom:updated>2012-02-17T15:22:35.704-08:00</atom:updated><title>How To Write a Resume</title><description>&lt;div align="left"&gt;&lt;iframe height="315" src="http://www.youtube.com/embed/zE-NQAu_qRU" frameborder="0" width="420"&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;HowCast: &lt;a href="http://youtu.be/zE-NQAu_qRU"&gt;How To Write a Resume&lt;/a&gt; &lt;/strong&gt;&lt;br /&gt;Expand the description and view the text of the steps for this how-to video.&lt;br /&gt;&lt;br /&gt;Check out Howcast for other do-it-yourself videos from bender and more videos in the Resumes &amp;amp; Cover Letters category.&lt;br /&gt;&lt;br /&gt;Want to get yourself out of a bad situation and into a better one? A solid resume is the first step.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;To complete this How-To you will need:&lt;/strong&gt;&lt;br /&gt;A computer&lt;br /&gt;A printer&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;&lt;strong&gt;Step 1: Write name in bold w/ info&lt;/strong&gt;&lt;/strong&gt;&lt;br /&gt;Write your name in bold at the top of the page, followed by your address, phone numbers, and email address. Then center the whole thing.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Tip: It also helps to make your heading slightly bigger than the rest of your resume so it stands out at the top of the page.&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 2: List work history&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;List your work history, starting with your most recent position. Include the place of employment, the dates you were employed there, and the type of job you performed.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Tip: If it's your job titles that are impressive, lead with them in bold. If the places you worked are more impressive than what you actually did there, bold them instead.&lt;br /&gt;&lt;br /&gt;&lt;/em&gt;&lt;strong&gt;Step 3: Summarize positions&lt;/strong&gt;&lt;br /&gt;Give a brief summary of what you did at each position.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 4: Adjust to job description&lt;/strong&gt;&lt;br /&gt;Look closely at the description of the job you're applying for, and adjust what you've written to emphasize your most relevant skills and experience.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Tip: If you're not applying for a specific job, use an "Objective" line to describe what kind of work you're looking for and why you want it.&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 5: Leave spaces&lt;/strong&gt;&lt;br /&gt;Leave at last three spaces between job summations so your resume is easy to read—even if that means shortening some sections.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 6: List education&lt;/strong&gt;&lt;br /&gt;When you're done listing former jobs, list your education, including the school you graduated from and the degree you earned there.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 7: List personal information&lt;/strong&gt;&lt;br /&gt;After your education, list any personal information—like hobbies, interests, or skills—that pertain to the job you're seeking. But leave out the stupid stuff—if you're applying for a job as a mortician, nobody cares if you can juggle.&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Tip: The most relevant skills to include are proficiency in a foreign language and knowledge of a specific computer application or platform.&lt;/em&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 8: Offer references&lt;/strong&gt;&lt;br /&gt;Always offer to make "references available upon request" at the end of your resume. It's classy—and if you actually have them, it's even better.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 9: Spell-check your work&lt;/strong&gt;&lt;br /&gt;Be sure to spell-check your work, and ask a friend to look it over before you print it out.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 10: Print resume&lt;/strong&gt;&lt;br /&gt;When your resume is letter-perfect, print it out on the special paper of your choice.&lt;br /&gt;&lt;br /&gt;Thanks for watching How To Write a Resume! If you enjoyed this video subscribe to the Howcast YouTube channel! &lt;a href="http://www.youtube.com/subscription_center?add_user=howcast"&gt;http://www.youtube.com/subscription_center?add_user=howcast&lt;/a&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-4780264407939982482?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/how-to-write-resume.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/zE-NQAu_qRU/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5648144682815517940</guid><pubDate>Thu, 16 Feb 2012 08:01:00 +0000</pubDate><atom:updated>2012-02-17T15:25:17.266-08:00</atom:updated><title>ESLPodcast 44 - Making a Good Impression</title><description>&lt;a class="l" href="http://www.eslpod.com/website/show_podcast.php?issue_id=1531424"&gt;&lt;strong&gt;ESLPodcast 44 - Making a Good Impression&lt;/strong&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;I have my resume, my transcript, and the address of the office where I'm going for the interview. Now, all I need are my shoes. (&lt;a href="http://media.libsyn.com/media/eslpod/ESLPod44n.mp3"&gt;download podcast&lt;/a&gt;)&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5648144682815517940?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/eslpodcast-44-making-good-impression.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5255905837496504016</guid><pubDate>Wed, 15 Feb 2012 23:28:00 +0000</pubDate><atom:updated>2012-02-17T15:30:44.377-08:00</atom:updated><title>ESLPodcast 56 - Hiring for a Job</title><description>&lt;a class="l" href="http://www.eslpod.com/website/show_podcast.php?issue_id=1412108"&gt;&lt;strong&gt;ESLPodcast 56 - Hiring for a Job&lt;/strong&gt;&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;From her resume , I knew that she had had four years of experience working at a telecommunications company. (&lt;a href="http://media.libsyn.com/media/eslpod/ESLPod56n.mp3"&gt;download podcast&lt;/a&gt;)&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5255905837496504016?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/eslpodcast-56-hiring-for-job.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-4054000283358273472</guid><pubDate>Tue, 14 Feb 2012 08:01:00 +0000</pubDate><atom:updated>2012-02-13T22:16:11.647-08:00</atom:updated><title>Lesson 19 - Valentine's Day - English Vocabulary</title><description>&lt;div align="center"&gt;&lt;iframe height="315" src="http://www.youtube.com/embed/D5ZsOcQzdRk" frameborder="0" width="420" allowfullscreen=""&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;JenniferESL: &lt;a href="http://youtu.be/D5ZsOcQzdRk"&gt;Lesson 19 - Valentine's Day - English Vocabulary&lt;/a&gt; &lt;/strong&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-4054000283358273472?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/lesson-19-valentines-day-english.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/D5ZsOcQzdRk/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-1404927527419387667</guid><pubDate>Thu, 02 Feb 2012 19:53:00 +0000</pubDate><atom:updated>2012-02-02T13:34:54.236-08:00</atom:updated><title>#10 English Mini Lesson - Groundhog Day (with captions)</title><description>&lt;iframe width="560" height="315" src="http://www.youtube.com/embed/teeQ0Hm1fZQ" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;JenniferESL: &lt;a href="http://youtu.be/teeQ0Hm1fZQ"&gt;#10 English Mini Lesson - Groundhog Day (with captions)&lt;/a&gt; &lt;br /&gt;&lt;br /&gt;NOTE: A version of this video with NO CAPTIONS is available on my playlist "English Mini Lessons": &lt;a href="http://youtu.be/w_HS4M1tEr8"&gt;#10 English Mini Lesson - Groundhog Day (no captions) &lt;/a&gt;&lt;br /&gt;Topic: Groundhog Day&lt;br /&gt;Learn about U.S. culture. Test your listening comprehension of fast speech.&lt;br /&gt;A popular tongue twister is also included for pronunciation practice.&lt;br /&gt;Enjoy!&lt;br /&gt;&lt;br /&gt;Special thanks to Stacy Hagen for her contribution. For Stacy's lessons, please visit her channel &lt;a href="http://www.youtube.com/englishwithstacy"&gt;http://www.youtube.com/englishwithstacy&lt;/a&gt;&lt;br /&gt;NOTE: I'm very sorry to announce as of January 2012 links to EnglishCafe will no longer be active due to the site closing. I was very lucky to be a part of that online community while it lasted. I'm also sorry for the loss of additional materials for learners.&lt;br /&gt;&lt;br /&gt;TEACHERS:&lt;br /&gt;Related teaching ideas are available on my WordPress blog.&lt;br /&gt;&lt;a href="http://englishwithjennifer.wordpress.com/2011/01/26/groundhog-day-activities/"&gt;http://englishwithjennifer.wordpress.com/2011/01/26/groundhog-day-activities/&lt;/a&gt;&lt;br /&gt;&lt;br /&gt;MUSIC CREDITS:&lt;br /&gt;"Guitar Hiphop Loop" by hasz retrieved from http://www.flashkit.com/loops/Techno-Dance/Hip_Hop/guitar_h-hasz-9222/ &lt;br /&gt;"Poppy Clip" by Who Else retrieved rom http://www.flashkit.com/loops/Pop-Rock/Pop/Poppy_cl-Who_Else-8472/&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-1404927527419387667?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2012/02/10-english-mini-lesson-groundhog-day.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/teeQ0Hm1fZQ/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-4070029383082096976</guid><pubDate>Sat, 24 Dec 2011 21:16:00 +0000</pubDate><atom:updated>2011-12-24T13:16:57.510-08:00</atom:updated><title>Mom</title><description>&lt;a href="http://2.bp.blogspot.com/-61daSc6Y1Mw/TvZAoySabSI/AAAAAAAAB7Y/Zd9fNDs9lRc/s1600/mom%2Band%2Bdad.jpg"&gt;&lt;img style="display:block; margin:0px auto 10px; text-align:center;cursor:pointer; cursor:hand;width: 400px; height: 300px;" src="http://2.bp.blogspot.com/-61daSc6Y1Mw/TvZAoySabSI/AAAAAAAAB7Y/Zd9fNDs9lRc/s400/mom%2Band%2Bdad.jpg" border="0" alt=""id="BLOGGER_PHOTO_ID_5689806248667147554" /&gt;&lt;/a&gt;&lt;br /&gt;&lt;span style="font-style:italic;"&gt;On Tuesday, December 20, 2011, my mother passed away after a long illness.  MilpitasChat will resume its regular schedule in the new year.  Thank you.&lt;/span&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-4070029383082096976?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/12/mom.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://2.bp.blogspot.com/-61daSc6Y1Mw/TvZAoySabSI/AAAAAAAAB7Y/Zd9fNDs9lRc/s72-c/mom%2Band%2Bdad.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-8050563528657555585</guid><pubDate>Wed, 30 Nov 2011 08:01:00 +0000</pubDate><atom:updated>2011-10-01T22:32:23.157-07:00</atom:updated><title>New Series: Banking and Finance</title><description>&lt;div align="center"&gt;&lt;strong&gt;&lt;em&gt;During Oct and Nov 2011, we will be studying Banking and Finance.&lt;/em&gt;&lt;/strong&gt;&lt;/div&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-8050563528657555585?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/09/new-series-banking-and-finance.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-7499602348760796120</guid><pubDate>Sat, 26 Nov 2011 08:01:00 +0000</pubDate><atom:updated>2011-11-26T00:01:01.879-08:00</atom:updated><title>The Difference between Banks and Credit Unions: Part 1</title><description>&lt;iframe width="420" height="315" src="http://www.youtube.com/embed/cawzTSVTP2M" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;larissawalkiw: &lt;a href="http://youtu.be/cawzTSVTP2M"&gt;The Difference between Banks and Credit Unions: Part 1&lt;/a&gt; &lt;br /&gt;&lt;br /&gt;Part one of a very two-dimensional financial mini-series.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;SimpleWiki &lt;a href="http://simple.wikipedia.org/wiki/Credit_union"&gt;Credit Union&lt;/a&gt; definition&lt;/strong&gt;: A &lt;strong&gt;credit union&lt;/strong&gt; is a cooperative financial institution that is owned and controlled by its members. &lt;strong&gt;Credit unions differ from banks and other financial institutions in that the members who have accounts in the credit union are the owners of the credit union - there are no external shareholders.&lt;/strong&gt; Profits from the operations of a credit union are distributed to members in the form of dividends.&lt;br /&gt;&lt;br /&gt;The basic services of a credit union are to offer savings accounts and loans to members.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-7499602348760796120?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/difference-between-banks-and-credit.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/cawzTSVTP2M/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-6372580852204961782</guid><pubDate>Sat, 26 Nov 2011 08:01:00 +0000</pubDate><atom:updated>2011-11-26T00:01:01.460-08:00</atom:updated><title>The Difference between Banks and Credit Unions: Part 2</title><description>&lt;iframe width="420" height="315" src="http://www.youtube.com/embed/-rEW6ff3Zao" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;larissawalkiw: &lt;a href="http://youtu.be/-rEW6ff3Zao"&gt;The Difference between Banks and Credit Unions: Part 2&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Part two of a very two-dimensional mini-series featuring the Young &amp; Free Chequing account.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-6372580852204961782?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/difference-between-banks-and-credit.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/-rEW6ff3Zao/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5036877787561024236</guid><pubDate>Fri, 18 Nov 2011 02:40:00 +0000</pubDate><atom:updated>2011-11-19T18:43:24.745-08:00</atom:updated><title>Microsavings Could Mean Big Gains for the World’s Poor</title><description>&lt;strong&gt;VOA Learning English: &lt;a href="http://www.voanews.com/learningenglish/home/agriculture/Microsavings-Could-Mean-Big-Gains-for-the-Worlds-Poor-134082198.html"&gt;Microsavings Could Mean Big Gains for the World’s Poor&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;A conference gathers experts to find ways to bring services to those left out of the financial system ECONOMICS REPORT (&lt;a href="http://www.voanews.com/learningenglish/home/agriculture/Microsavings-Could-Mean-Big-Gains-for-the-Worlds-Poor-134082198.html"&gt;download mp3&lt;/a&gt;)&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5036877787561024236?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/microsavings-could-mean-big-gains-for.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-7012023308845193637</guid><pubDate>Wed, 16 Nov 2011 18:28:00 +0000</pubDate><atom:updated>2011-11-16T10:28:30.589-08:00</atom:updated><title>Microsaving Programs</title><description>&lt;iframe width="480" height="315" src="http://www.youtube.com/embed/O3jn_rkMOZ4" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;VOAVideo: &lt;a href="http://youtu.be/O3jn_rkMOZ4"&gt;Microsaving Programs&lt;/a&gt; &lt;/strong&gt;&lt;br /&gt;In a series of workshops and plenary sessions, microfinance industry experts from around the world are moving their focus toward some of their newest ideas to help the poor through microsaving programs.&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-7012023308845193637?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/microsaving-programs.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/O3jn_rkMOZ4/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-3180704105296444264</guid><pubDate>Tue, 08 Nov 2011 20:33:00 +0000</pubDate><atom:updated>2011-11-08T12:33:18.337-08:00</atom:updated><title>Moving</title><description>&lt;em&gt;I am moving to a new home.  I have limited access to the internet, so my posts will be infrequent.  I hope to resume a regular daily posting schedule soon.  Thanks--Teacher Jennifer&lt;/em&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-3180704105296444264?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/moving.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-3020137354802747296</guid><pubDate>Tue, 01 Nov 2011 18:07:00 +0000</pubDate><atom:updated>2011-11-01T11:19:41.115-07:00</atom:updated><title>Día de los Muertos @ St Joseph Cathedral</title><description>&lt;p align="center"&gt;&lt;object width="400" height="300"&gt;&lt;param name="flashvars" value="offsite=true&amp;amp;lang=en-us&amp;amp;page_show_url=%2Fphotos%2F24918275%40N07%2Fsets%2F72157628029266684%2Fshow%2F&amp;amp;page_show_back_url=%2Fphotos%2F24918275%40N07%2Fsets%2F72157628029266684%2F&amp;amp;set_id=72157628029266684&amp;amp;jump_to="&gt;&lt;param name="movie" value="http://www.flickr.com/apps/slideshow/show.swf?v=109615"&gt;&lt;param name="allowFullScreen" value="true"&gt;&lt;embed type="application/x-shockwave-flash" src="http://www.flickr.com/apps/slideshow/show.swf?v=109615" allowfullscreen="true" flashvars="offsite=true&amp;lang=en-us&amp;page_show_url=%2Fphotos%2F24918275%40N07%2Fsets%2F72157628029266684%2Fshow%2F&amp;page_show_back_url=%2Fphotos%2F24918275%40N07%2Fsets%2F72157628029266684%2F&amp;set_id=72157628029266684&amp;jump_to=" width="400" height="300"&gt;&lt;/embed&gt;&lt;/object&gt;&lt;/p&gt;&lt;br /&gt;&lt;strong&gt;&lt;a href="http://www.flickr.com//photos/24918275@N07/sets/72157628029266684/show/"&gt;The Veterans Altar for Día de los Muertos Celebration @ St Joseph Cathedral &lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;WikiHow: &lt;a href="http://www.wikihow.com/Celebrate-Day-of-the-Dead-(Dia-De-Los-Muertos)"&gt;How to Celebrate Day of the Dead (Dia De Los Muertos)&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;ESOLCourses.com: &lt;a href="http://www.esolcourses.com/topics/day-of-the-dead.html"&gt;Day of the Dead - Worksheets and Exercises on El Día de los Muertos&lt;/a&gt;&lt;/strong&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-3020137354802747296?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/dia-de-los-muertos-st-joseph-cathedral.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-6899662798181968881</guid><pubDate>Mon, 31 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-11-01T11:43:29.182-07:00</atom:updated><title>ESL Podcast 734 – Believing in Scary Things</title><description>&lt;a href="http://www.eslpod.com/website/show_podcast.php?issue_id=11046875"&gt;ESL Podcast 734 – Believing in Scary Things &lt;/a&gt;&lt;a href="http://www.eslpod.com/website/show_podcast.php?issue_id=11046875"&gt;&lt;/a&gt;&lt;a href="http://www.eslpod.com/website/index_new.html#"&gt;&lt;/a&gt;&lt;a href="http://www.eslpod.com/eslpod_blog/become-an-esl-podcast-member-today/" target="_blank"&gt;&lt;/a&gt;Do you believe in ghosts? Listen to this episodes and find out if there is something scary waiting for you today. &lt;a href="http://libsyn.com/media/eslpod/ESLPod734.mp3" target="_blank"&gt;Download Podcast&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-6899662798181968881?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/11/esl-podcast-734-believing-in-scary.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-8688403581310630103</guid><pubDate>Thu, 27 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-10-27T00:01:01.963-07:00</atom:updated><title>Students Play the Money Game</title><description>&lt;strong&gt;VOAnews: &lt;a href="http://www.voanews.com/english/news/usa/Students-Play-the-Money-Game-132158023.html"&gt;Students Play the Money Game&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Board game inventors want to get kids off on right financial foot (&lt;a href="http://www.voanews.com/MediaAssets2/english/2011_10/MILNE-TYTE_Financial_Literacy_is_a_Game.mp3"&gt;download mp3&lt;/a&gt;)&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-8688403581310630103?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/students-play-money-game.html</link><author>noreply@blogger.com (Teacher Jennifer)</author></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5883494266553997430</guid><pubDate>Wed, 26 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-10-26T00:01:00.397-07:00</atom:updated><title>Real World of Money Comes to Classroom</title><description>&lt;iframe width="420" height="315" src="http://www.youtube.com/embed/JbkI3SPZjCo" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;VOAVideo: &lt;a href="http://youtu.be/JbkI3SPZjCo"&gt;Real World of Money Comes to Classroom&lt;/a&gt; &lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;In the current economic downturn, many American schools are adding a new subject to the curriculum - financial literacy. One program in Virginia even gets students out of the classroom for a day to learn how far their money will go in the real world. &lt;strong&gt;(&lt;a href="http://www.voanews.com/english/news/usa/Schools-Teach-Real-World-Money-Skills-132148723.html"&gt;read the story&lt;/a&gt;)&lt;/strong&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5883494266553997430?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/real-world-of-money-comes-to-classroom.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/JbkI3SPZjCo/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-8869729999138616143</guid><pubDate>Mon, 24 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-10-24T00:01:00.082-07:00</atom:updated><title>How To Save Money</title><description>&lt;iframe width="560" height="315" src="http://www.youtube.com/embed/ngzqgcPDlcU" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Howcast: &lt;a href="http://youtu.be/ngzqgcPDlcU"&gt;How To Save Money&lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;People who manage to sock away money -- even on a tight budget -- all live by this motto: Make it over, use it up, make do, or do without. Now you can learn from their secrets!&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;To complete this How-To you will need:&lt;/strong&gt;&lt;br /&gt;Motto&lt;br /&gt;Due diligence&lt;br /&gt;Quality merchandise&lt;br /&gt;Price monitoring&lt;br /&gt;Self-sufficiency&lt;br /&gt;Priorities&lt;br /&gt;Promotion codes (optional)&lt;br /&gt;Coupons (optional)&lt;br /&gt;Free shipping (optional)&lt;br /&gt;Store policies (optional)&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 1:&lt;/strong&gt; Do your homework&lt;br /&gt;&lt;br /&gt;Do your homework before buying anything, especially big-ticket items. With the internet, comparison shopping is easier than ever.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Tip:&lt;/strong&gt; Once you've made a buying decision, search online for "promotion codes," "coupons," and "free shipping."&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 2: Invest in quality&lt;/strong&gt;&lt;br /&gt;Buy quality merchandise. It's cheaper in the long run because it won't need to be fixed as often or replaced as soon.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 3: Check every receipt&lt;/strong&gt;&lt;br /&gt;Check every store receipt and restaurant bill to make sure you've been charged correctly. If you put a meal on a credit or debit card, keep the restaurant receipt to compare with your credit card or bank statement; some restaurants engage in so-called "tip-jacking," -- adding in a tip or increasing the one you gave them.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Tip:&lt;/strong&gt; Know the store policy on price accuracy; some give away an item if it's scanned higher than the advertised cost.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 4: Ask yourself this question&lt;/strong&gt;&lt;br /&gt;When buying a non-necessity, like clothing, ask yourself if you really, really love it. If not, put it back. Even if you do love it, wait a few days before buying it; by then, the urge may have completely passed.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 5: Become a do-it-yourselfer&lt;/strong&gt;&lt;br /&gt;Become a devotee of do-it-yourself. Learn how to make simple home repairs, do basic sewing, and cook meals from scratch.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 6: Establish priorities&lt;/strong&gt;&lt;br /&gt;Set priorities, such as home ownership or early retirement. Saving up is easier if you have savings goals.&lt;br /&gt;&lt;br /&gt;Thanks for watching How To Save Money! If you enjoyed this video subscribe to the Howcast YouTube channel! &lt;a href="http://www.youtube.com/subscription_center?add_user=howcast"&gt;http://www.youtube.com/subscription_center?add_user=howcast&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-8869729999138616143?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/how-to-save-money.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/ngzqgcPDlcU/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-5438831185926424334</guid><pubDate>Sun, 23 Oct 2011 05:06:00 +0000</pubDate><atom:updated>2011-10-22T22:06:00.950-07:00</atom:updated><title>How To Use Your Credit Card or Debit Card</title><description>&lt;iframe width="560" height="315" src="http://www.youtube.com/embed/fcjbIskie8c" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Howcast: &lt;a href="http://youtu.be/fcjbIskie8c"&gt;How To Use Your Credit Card or Debit Card&lt;/a&gt; &lt;/strong&gt;&lt;br /&gt;There are times when it's to your advantage to use plastic.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;To complete this How-To you will need:&lt;/strong&gt;&lt;br /&gt;Information about your credit and debit cards&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 1: Read the fine print&lt;/strong&gt;&lt;br /&gt;Read the fine print. Find out exactly what sort of fees you're being charged. Is there a per-transaction fee associated with your debit card? Does your credit card charge a very high Annual Percentage Rate, or APR?&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 2: Cover your charges&lt;/strong&gt;&lt;br /&gt;Only use your debit card if you have enough money in your checking account to cover your charges. Your bank might have high penalties for dipping below your minimum balance.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 3: Pay off immediately&lt;/strong&gt;&lt;br /&gt;Pay back money as soon as possible. If you do have to carry a balance, make sure you have a low APR. A small amount of debt can multiply into something large and unwieldy.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 4: Keep your cards safe&lt;/strong&gt;&lt;br /&gt;No matter which card you use, be sure to keep track of it and to keep the card number safe, and the PIN number for you debit card in a separate, safe place. Be sure to alert your financial institution immediately if your card is lost, stolen, or if you suspect it's being used fraudulently.&lt;br /&gt;&lt;br /&gt;Tip: If you use your debit card to make a purchase, opt to use it as a credit card, allowing you to sign for a purchase rather than entering your PIN, which offers you more protection in case of theft.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 5: Use in place of cash&lt;/strong&gt;&lt;br /&gt;Great times to use your debit card are when your bank isn't in the area, meaning you'd pay a hefty ATM fee to get cash, or when you simply don't feel like lugging cash around. Enjoy the freedom!&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-5438831185926424334?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/how-to-use-your-credit-card-or-debit.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/fcjbIskie8c/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-3557661640456506629</guid><pubDate>Thu, 20 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-10-20T00:01:02.638-07:00</atom:updated><title>How To Decide Between Getting a Credit or Debit Card</title><description>&lt;iframe width="420" height="315" src="http://www.youtube.com/embed/89arXYBrehU" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Howcast: &lt;a href="http://youtu.be/89arXYBrehU"&gt;How To Decide Between Getting a Credit or Debit Card&lt;/a&gt; &lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;In this day and age, people use less paper, and more plastic. But which kind of plastic is best for you?&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;To complete this How-To you will need:&lt;/strong&gt;&lt;br /&gt;Awareness of your spending habits&lt;br /&gt;Knowledge of your credit history&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 1: Assess your finances&lt;/strong&gt;&lt;br /&gt;Ask yourself a few questions. What you want to use your credit or debit card for? Is it for convenience? Do you want buyer's insurance? Do you want to improve your credit score?&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Tip:&lt;/strong&gt; Debit cards are easier to get approved for than credit cards.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 2: Gather information&lt;/strong&gt;&lt;br /&gt;Gather all the information. Be sure to read about all charges and rules on both credit and debit cards.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 3: Choose a credit card&lt;/strong&gt;&lt;br /&gt;If you think you can pay off the balance in full every month, choose a credit card. It helps you build a credit history, and there are more perks, like rewards, cash back, travel and buyer's insurance. You also get more protection if your information is stolen or lost.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 4: Get a no-fee card&lt;/strong&gt;&lt;br /&gt;Choose a "no-fee" card with a zero percent interest introductory rate. Read any pamphlets and updates that the company sends, and pay your in full balance every single month.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 5: Assess your habits&lt;/strong&gt;&lt;br /&gt;Be honest with yourself. If you are prone to accruing debt, a debit card is a good choice for debt deterrence, because they are directly linked to your checking account, and you will incur a penalty immediately if you overdraw.&lt;br /&gt;&lt;br /&gt;Tip: Merchants will ask you if you'd like "credit" or "debit." Choose "credit" to avoid entering your PIN number, which will protect you from identity theft.&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;Step 6: Get a debit card&lt;/strong&gt;&lt;br /&gt;If you think you want a debit card, read the bank's policies to see what penalties there are for exceeding your account balance. Remember -- you'll have to keep close track of how much money is in your checking account. Now plunk your plastic with impunity!&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-3557661640456506629?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/how-to-decide-between-getting-credit-or.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/89arXYBrehU/default.jpg" height="72" width="72" /></item><item><guid isPermaLink="false">tag:blogger.com,1999:blog-2008675846045748548.post-1779674826687413255</guid><pubDate>Tue, 18 Oct 2011 07:01:00 +0000</pubDate><atom:updated>2011-10-18T00:01:01.248-07:00</atom:updated><title>Love and Money (Part 3)</title><description>&lt;iframe width="420" height="315" src="http://www.youtube.com/embed/smw4dYa-tho" frameborder="0" allowfullscreen&gt;&lt;/iframe&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;WeAreNY: &lt;a href="http://youtu.be/smw4dYa-tho"&gt;Love and Money (Part 3) &lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;Its their first date. Jorge thinks Sophie is rich. Sophie thinks Jorge is rich. But neither is! With the help of their friends and co-workers, they learn the truth about love and money in this romantic comedy about financial empowerment, saving money and banking in the Big Apple. &lt;br /&gt;&lt;br /&gt;Starring Ken Maharaj, Arturo Castro, Eileen Hannah, Kate Pak, Vashty Mompoint, Samia Akudo. &lt;br /&gt;Directed by Darren Methlie. &lt;br /&gt;&lt;br /&gt;&lt;strong&gt;WeAreNY: &lt;a href="http://youtu.be/cQQ9Ln5pXtA"&gt;Love and Money (Part 1) &lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;&lt;strong&gt;WeAreNY: &lt;a href="http://youtu.be/LlLjDwhNDto"&gt;Love and Money (Part 2) &lt;/a&gt;&lt;/strong&gt;&lt;br /&gt;&lt;br /&gt;For more information, visit:&lt;br /&gt;&lt;a href="http://www.nyc.gov/LearnEnglish"&gt;www.nyc.gov/LearnEnglish&lt;/a&gt;&lt;div class="blogger-post-footer"&gt;&lt;img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/2008675846045748548-1779674826687413255?l=www.milpitaschat.com' alt='' /&gt;&lt;/div&gt;</description><link>http://www.milpitaschat.com/2011/10/love-and-money-part-3.html</link><author>noreply@blogger.com (Teacher Jennifer)</author><media:thumbnail xmlns:media="http://search.yahoo.com/mrss/" url="http://img.youtube.com/vi/smw4dYa-tho/default.jpg" height="72" width="72" /></item></channel></rss>

