States of Matter crossword puzzle printable. Download, print and start playing. You can add your own words to customize or start creating from scratch. Show
Recommended: Check out this Advance Crossmaker Maker to create commercial use printable puzzles. TitleWords List(answer : question or clue)Shuffle questions Puzzle Size: Font / Cell Box StyleCell spacing Solution TIP: Use update button to toggle answers or apply styles like font, cell spacing, cell shades, puzzle size or paper output without generating the new puzzle. Crossword puzzles have been published in newspapers and other publications since 1873. They consist of a grid of squares where the player aims to write words both horizontally and vertically. Next to the crossword will be a series of questions or clues, which relate to the various rows or lines of boxes in the crossword. The player reads the question or clue, and tries to find a word that answers the question in the same amount of letters as there are boxes in the related crossword row or line. Some of the words will share letters, so will need to match up with each other. The words can vary in length and complexity, as can the clues. Who is a crossword suitable for?The fantastic thing about crosswords is, they are completely flexible for whatever age or reading level you need. You can use many words to create a complex crossword for adults, or just a couple of words for younger children. Crosswords can use any word you like, big or small, so there are literally countless combinations that you can create for templates. It is easy to customise the template to the age or learning level of your students. How do I create a crossword template?For the easiest crossword templates, WordMint is the way to go! Pre-made templatesFor a quick and easy pre-made template, simply search through WordMint’s existing 500,000+ templates. With so many to choose from, you’re bound to find the right one for you! Create your own from scratch
How do I choose the clues for my crossword?Once you’ve picked a theme, choose clues that match your students current difficulty level. For younger children, this may be as simple as a question of “What color is the sky?” with an answer of “blue”. Are crosswords good for students?Crosswords are a great exercise for students' problem solving and cognitive abilities. Not only do they need to solve a clue and think of the correct answer, but they also have to consider all of the other words in the crossword to make sure the words fit together. If this is your first time using a crossword with your students, you could create a crossword FAQ template for them to give them the basic instructions. Can I print my crossword template?All of our templates can be exported into Microsoft Word to easily print, or you can save your work as a PDF to print for the entire class. Your puzzles get saved into your account for easy access and printing in the future, so you don’t need to worry about saving them at work or at home! Can I create crosswords in other languages?Crosswords are a fantastic resource for students learning a foreign language as they test their reading, comprehension and writing all at the same time. When learning a new language, this type of test using multiple different skills is great to solidify students' learning. We have full support for crossword templates in languages such as Spanish, French and Japanese with diacritics including over 100,000 images, so you can create an entire crossword in your target language including all of the titles, and clues. The number of American households that were unbanked last year dropped to its lowest level since 2009, a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says. Roughly 4.5% of U.S. households – or 5.9 million – didn't have a checking or savings account with a bank or credit union in 2021, a record low, according to the Federal Deposit Insurance Corporation's most recent survey of unbanked and underbanked households. Roughly 45% of households that received a stimulus payment, jobless benefits or other government assistance after the start of the pandemic in March, 2020 said those funds helped compel them to open an account, according to the biennial report which has been conducted since 2009. "Safe and affordable bank accounts provide a way to bring more Americans into the banking system and will continue to play an important role in advancing economic inclusion for all Americans,'' FDIC acting chairman Martin J. Gruenberg said in a statement. A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID-19 health crisis. Battle against predatory lending:Mississippi social justice firm fights payday 'predatory lending' in low-income communities Checks arrived late for some of the unbanked:For 'unbanked' Americans, pandemic stimulus checks arrived slowly and with higher fees. But that could change. The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended overdraft and other fees that have been a key barrier to some Americans accessing the banking system. What does it mean to be unbanked?A household is deemed unbanked when no one in the home has an account with a bank or credit union. That share of households has dropped by nearly half since 2009. And since 2011, when 8% of U.S. households were unbanked, the highest since the start of the survey, and the record low reached in 2021, roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says. Who are the underbanked?Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18.7 million, last year. Why are people unbanked or underbanked?Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short. Roughly 29% said fees or not having the required minimum balance were the primary reasons they didn't have a checking or savings account, as compared to 38% who cited those obstacles in 2019. Are some groups more likely to be unbanked?The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Among white households for instance, 2% didn't have a bank account last year as compared to 11% and 9% of their Black and Hispanic counterparts. Meanwhile, nearly 15% of households with a working age member who had a disability were unbanked compared to almost 4% of other households. And nearly 16% of households with a single mother were unbanked as compared to about 2% of married couples who lacked an account. "These gaps attest there's still a lot of opportunity to expand participation across the population in the banking system,'' Keith Ernst, Associate Director of Consumer Research and Examination Analytics at the FDIC, said during a media call about the report. Will the number of unbanked rise if the U.S. has a recession?Perhaps. "During the last recession unbanked rates did indeed go up,'' Karyen Chu, chief of the Banking Research Section at the Center for Financial Research, said during the call. Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed. Recession predictions 2023:Is a recession inevitable in 2023? Here's what experts are saying. "To the extent that income goes down ... that has generally been associated with increases in unbanked rates,’’ Chu said. |
States of matter Crossword puzzle PDF
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