This book is the third in a set of four occupational and business education curriculum guides which were developed for spanish speaking students with limited English speaking backgrounds and also for foreign language students who desire to reinforce their Spanish language skills. The guides are structured so that the teacher can provide service to students of each category within the same classroom environment. Volume 3 covers the specifics of several business practices which were quickly introduced in the second book. The fourteen units included are grouped under the following instructional areas: written communications, retailing, insurance, credit, employment, and miscellaneous (recordkeeping tasks). In all four guides, the vocabulary is listed on a table for easy reference and should be reviewed prior to working through a unit. Tests and answer keys are also included. (BM)