Managing Personal Finances
|
|
|
- Buck Hunt
- 7 years ago
- Views:
Transcription
1 Managing Personal Finances 14-1
2 Chapter Objectives Where Does Your Money Go? 2. Financial Planning 3. Time Is Money 4. The Financial Planning Process 5. A House Is Not a Piggy Bank: A few Lessons from the Subprime Crisis 6. Evaluate Job Offers 7. Saving and Investing
3 Before Buying on Credit ) Do I really need the goods or services? 2) Can I afford them? 3) Am I willing to pay interest on the purchase?
4 Evaluation of Your Credit Risk 14-4 Creditors provide information on your / habits Three national credit bureaus compile score FICO criteria Payment owed of credit history Amount of new credit of credit
5 To Improve Credit Score 14-5 Get credit card Small purchases Payoff on time Scan credit report for errors National Foundation for Credit Counseling- Welcome to NFCC!
6 Cost of Borrowing 14-6 $ charge $ Annual $ Over- fee $ payment fee $ Cash advance fee
7 14-7 Debit Card pulls money out of your checking account whenever you use the card to buy something or get cash from an ATM.
8 Steps To Get Out Of Debt Cut up credit cards- live on cash-only 2. Reduce monthly bills
9 Exercises 14-9 Keep written record Keep ATM receipts Take $100 out of bank Avoid gourmet coffee shops
10 Additional Exercises Credit cards in drawer Take lunch to work But only groceries and gas Use coupons
11 14-11 Personal Finance application of principles of finance to the monetary decisions... for your individual benefit or...family...
12 14-12 Financial Planning the on-going process of managing your personal finances... to meet goals that you ve set for yourself or your family.
13 Questions for Financial Planning Annual Income? Debt and payments? Value of assets? Annual budget? Wealth accumulation? Money for retirement?
14 Financial Planning Life Cycle 14-14
15 Education and Average Income High school $20,873 High school $31,071 degree $56,788 degree $82,320
16 Fastest Growing Jobs Network Systems and Communication Analysts Personal and Home Care Aids Software Engineers Personal Financial Advisors
17 Funding Sources for College Education Scholarships Grants Education Loans Work-Study
18 Steps to Getting a Job Offer Resume Cover letter Create company list General search Interview
19 Evaluating Job Offer Salary Opportunity Quality of Life Benefits Health Insurance Disability Insurance Flexible Spending Account Retirement Plan
20 14-20 Compounding refers to the effect of earning interest on your interest.
21 14-21 Time Value of Money a dollar received in the is worth more than a dollar received in the.
22 Steps in Financial Planning ) Evaluate Current Financial Status 2) Set Financial Goals 3) Use a Budget and Compare Actual with Budget
23 Current Financial Statement Personal Net Worth Statement Cash Flow Statement
24 Personal Net Worth Statement 14-24
25 Cash Flow Statement 14-25
26 Financial Goals Short-Term Intermediate-Term Long-Term
27 Well-Conceived Goals Realistic Measurable Definite Time Frames Specific Courses of Action
28 Joe s Financial Goals 14-28
29 Joe s Budget 14-29
30 Develop Budget and Evaluate Performance Wages Student loan Pay off credit cards Actual v. Budget- Variance
31 Three-Level Goals/Plans 14-31
32 U.S. Savings Rate 14-32
33 Risky Mortgages $ Subprime- made to borrowers who don t qualify for market-set interest rates $ Adjustable Rate Mortgages (ARM)- pegged to increase or decrease of certain interest rates
34 Lessons from Subprime Crisis & & & All are not created equal It s risky out there risk risk Risk Not all income is equally
20 Steps to Financial Health:
20 Steps to Financial Health: Achieving Lifelong Financial Fitness American Consumer Credit Counseling 130 Rumford Avenue Auburndale, MA 02466 1.800.769.3571 ConsumerCredit.com On behalf of American Consumer
Using Credit to Your Advantage
Hands on Banking Using Credit to Your Advantage Credit Reports, Credit Scores and Dealing with Debt The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the
The first step is to know. coming in so you know how much money you can spend.
Debt Management Budgeting 101 The first step is to know how much money is coming in so you know how much money you can spend. Budgeting Basics: Determine wants vs needs Determine your short term and long
FINANCING 101. The smartest way to finance.
FINANCING 101 Vehicle financing can be complicated, but it doesn t have to be. To help you weigh your options, we ve simplified key information about buying, leasing and the basics of financing. The smartest
LESSON 7 -- CREDIT REPORTS AND CREDIT SCORES
LESSON 7 -- CREDIT REPORTS AND CREDIT SCORES LESSON DESCRIPTION AND BACKGROUND Using the Better Money Habits video What s the Difference Between a Credit Report and a Credit Score? (www.bettermoneyhabits.com),
Personal Credit. Conserving your wealth. City of Seattle September 12, 2007
Personal Credit Conserving your wealth City of Seattle September 12, 2007 Workshop Handout Alice Jenkins Bellevue Community College ajenkins@bellevuecollege.edu www.bellevuecollege.edu/financialeducation
Promoting the Health and Well-Being of Families During Difficult Times. Family Financial Management Planning for the Future
Promoting the Health and Well-Being of Families During Difficult Times Family Financial Management Planning for the Future DenYelle Baete Kenyon, Doctoral Student, Lynne M. Borden, Extension Specialist
Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS
Make a Smart Start Toward Financial Success SUNY ORANGE STUDENTS A College Education is a Smart Investment High School Graduate $25,000 Some College $30,000 Associate s Degree $32,000 Bachelor s Degree
Understanding Credit. UMassFive College Federal Credit Union
Understanding Credit UMassFive College Federal Credit Union Objectives Understand the role of credit bureaus Discuss the importance of your credit report Review the components of a credit score Explain
www.refugees.org Protecting Refugees, Serving Immigrants, Upholding Freedom since 1911 BANKING ON THE FUTURE
U.S. COMMITTEE FOR REFUGEES AND IMMIGRANTS www.refugees.org Protecting Refugees, Serving Immigrants, Upholding Freedom since 1911 BANKING ON THE FUTURE BANKING ON THE FUTURE A FINANCIAL LITERACY CURRICULUM
With compound interest you earn an additional $128.89 ($1628.89 - $1500).
Compound Interest Interest is the amount you receive for lending money (making an investment) or the fee you pay for borrowing money. Compound interest is interest that is calculated using both the principle
Personal Financial Literacy
Personal Financial Literacy 7 Unit Overview Being financially literate means taking responsibility for learning how to manage your money. In this unit, you will learn about banking services that can help
Understanding Credit Personal Management Merit Badge
Understanding Credit Personal Management Merit Badge Kelsey Balcaitis Youth Financial Education Coordinator Class Rules Leave No Trace Wear your uniform to class A Scout is Trustworthy, Loyal, Helpful,
Maureen Baran SVP Business Development. Kris Bona Business Relationship Officer
Williams College Maureen Baran SVP Business Development Kris Bona Business Relationship Officer Agenda What is credit and why is it so important? Credit reports and credit scores Building credit Comparing
Dimes to Riches Money Management for Teens in Grades 7-12
Dimes to Riches Money Management for Teens in Grades 7-12 s e e r t n o row g t n s e o yd e n o M t a! h k t n a w b o n a k t u n By now yo Your parents are & Life is getting busy and you need cash for
NEFE High School Financial Planning Program Unit Two Budgeting: Making the Most of Your Money. Unit 4 - Budgeting: Making the Most of Your Money
Unit 4 - Budgeting: Making the Most of Your Money ? 2-A-1 Chart Recommendations Housing 30% Food 20% Clothing 10% Transportation 10% Savings 10% Misc. 20% 2-A-2 2-B-1 1 2 3 Some Money Facts The average
Fun, engaging and effective. Aligned with national financial education and core curriculum requirements.
Building Your Financial Foundation Adult Level Curriculum - Instructors Guide Fun, engaging and effective. Aligned with national financial education and core curriculum requirements. Lessons on: Credit
How To Understand Credit Rating And Credit Rating
Keeping Score: Why Credit Matters LESSON 1 Keeping Score: Why Credit Matters LESSON 1: TEACHERS GUIDE In the middle of a football grandfinal, keeping score is the norm. But when it comes to life, many
How do I get good credit?
Slide 1 Credit The information provided in this e-course is intended for educational purposes only and does not constitute specific advice for you as an individual. When evaluating your particular needs,
Debt Freedom Plan. John and Mary Sample
Debt Freedom Plan For August 1, 2015 Prepared by Money Tree Software 2430 NW Professional Dr. Corvallis, OR 97330 541.754.3701 Cover page text, cover page logo, and report headers are customizable. This
Understanding. What you need to know about the most widely used credit scores
Understanding What you need to know about the most widely used credit scores 300 850 2 The score lenders use. FICO Scores are the most widely used credit scores according to a recent CEB TowerGroup analyst
Using Credit. SSEPF4.a, SSEPF4.b, SSEPF4.c
Using Credit SSEPF4.a, SSEPF4.b, SSEPF4.c Loans and Credit Cards: Buy Now, Pay Later The U.S. economy runs on credit. Credit The ability to obtain goods now, based on an agreement to pay for them later.
Overview. Develop a plan Understand financial aid Be a responsible borrower Take charge of credit cards Understand your credit Prevent identity theft
Lisa Croat and Andrea Clark Lunch provided by the Higher One Financial Literacy Counts Grant Overview Develop a plan Understand financial aid Be a responsible borrower Take charge of credit cards Understand
MEETING THE OREGON STATE STANDARDS FINANCIAL AVENUE CORE CONCEPT EARNING SPENDING SAVING BORROWING PROTECT
MEETING THE OREGON STATE STANDARDS Financial Avenue provides online courses to help students gain important knowledge about the basics of personal money management. The Financial Avenue online financial
oersonal finance ur fufcur Robert B. Walker Kristy P. Walker McGraw-Hill Irwin Mount Mercy University University of Iowa Me Gnaw Hill
oersonal finance ur fufcur Robert B. Walker Mount Mercy University Kristy P. Walker University of Iowa Me Gnaw Hill McGraw-Hill Irwin contents PREFACE IX one MONEY $ MONEY $ MONEY $ 2 CHAPTER 1 GOAL SETTING
4 Things Your Credit Score Determines:
4 Things Your Credit Score Determines: 1. Whether you ll be approved for credit for mortgages, car loans, installment loans, and credit cards 2. What interest rate you ll get on those loans 3. The cost
Credit BANKING ON THE FUTURE USCRI. Banking on the Future curriculum, To access the complete USCRI. visit www.refugees.org.
To access the complete Banking on the Future curriculum, visit www.refugees.org. You can order your credit report from the following credit reporting agencies: Equifax PO Box 105873 Atlanta, GA 30348 800-685-1111
CREDIT & DEBT. Brought to you by: State Treasurer Josh Mandel
CREDIT & DEBT 1 State Treasurer Josh Mandel SECTION I: BASICS OF CREDIT Types of Credit: Mortgages Car Loan Business Loan Credit Cards Line of Credit Credit & Debt 2 Takeaway Tips: Credit and Debt 1.Pay
Hofstra North Shore-LIJ School of Medicine. Office of Financial Aid
Hofstra North Shore-LIJ School of Medicine Office of Financial Aid Consumer Credit and Your Credit Report Joseph M. Nicolini, MHA Director of Financial Aid What We Will Cover Consumer credit and credit
TALKING POINTS HIGH SCHOOL STUDENTS PRESENTED BY JEAN CHATZKY AND PASS FROM AMERICAN EXPRESS SM
INTRODUCTION Give your kids a heads-up that tonight you re going to make some time to talk about money. It won t take all night, but they should finish their homework, tell their friends they re not available,
Borrowing Solutions. 5 Principles for Better Borrowing
Borrowing Solutions 5 Principles for Better Borrowing Better borrowing lets you get more from your money Most people end up borrowing money at some point in their lives. But we know life isn t about borrowing
Wisdom and wealth A workbook for wealth creation
Wisdom and wealth A workbook for wealth creation Sound familiar? You likely shape your life around relationships with parents, siblings, spouses, children, friends and co-workers. But like many people,
Personal Credit. Winning the Credit Race! Audrey Hue Bellevue Community College ahue@bcc.ctc.edu www.bellevuecollege.edu/financialeducation
Personal Credit Winning the Credit Race! Audrey Hue Bellevue Community College ahue@bcc.ctc.edu www.bellevuecollege.edu/financialeducation 1 Aspects of credit covered today Overview Your financial life
Chapter 01. The Financial Planning Process. Chapter 1 Learning Objectives. Personal Finance Basics and the Time Value of Money
Chapter 01 Personal Finance Basics and the Time Value of Money McGraw-Hill/Irwin Copyright 2012 by The McGraw-Hill Companies, Inc. All rights reserved. 1-1 Chapter 1 Learning Objectives 1. Analyze the
Why rent when you can buy?
Why rent when you can buy? Are you unsure about becoming a HOMEOWNER? Thinking that you can t afford to BUY a home? Are you worried about whether homebuying is a good INVESTMENT? Buying a first home can
Debt Management Options
Get and Stay on Track Debt Management Options Where should you start? The first step to determine which debt management tool is best for you is to review your financial situation and your financial goals.
Keeping Score: Why Credit Matters
Keeping Score: Why Credit Matters LESSON 6: TEACHERS GUIDE In the middle of a championship football game, keeping score is the norm. But when it comes to life, many young adults don t realize how important
What is a Credit Score and Why Do I Care What It Is?
What is a Credit Score and Why Do I Care What It Is? Your Credit Score is a lot like the score you get on a test. You get points for good credit decisions and behavior and you get points taken away for
Understanding Credit. Megan Stearns, Credit Counselor
Understanding Credit Megan Stearns, Credit Counselor Obtaining your free credit report will lower your credit score. Closing old accounts can help your credit score. Paying off the balances on your credit
The Help to Buy: equity loan scheme What you need to know before you go ahead
Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme
How to Manage Your Money: Personal Finance 101
May 22-25, 2016 Los Angeles Convention Center Los Angeles, California How to Manage Your Money: Personal Finance 101 Presented by Brittney Castro, CRPC, AAMSm CFP FM31 5/25/2016 1:15 PM - 2:45 PM The handouts
A financial empowerment toolkit for community volunteers
YOUR MONEY, YOUR GOALS A financial empowerment toolkit for community volunteers Modules 8: Money services, cards, accounts, and loans Consumer Financial Protection Bureau April 2015 Table of contents MODULE
Wealth Strategies. www.rfawealth.com. Debt Management: Getting Started The Basics. www.rfawealth.com
www.rfawealth.com Wealth Strategies Debt Management: Getting Started The Basics Part 4 of 12 Debt Management: The Basics WEALTH STRATEGIES Page 1 What is Debt Management? As a consumer in today s world,
Welcome. 1. Agenda. 2. Ground Rules. 3. Introductions. Borrowing Basics 2
Borrowing Basics Welcome 1. Agenda 2. Ground Rules 3. Introductions Borrowing Basics 2 Objectives Define what credit and a loan is Distinguish between secured and unsecured loans Identify three types of
Understanding your Credit Score
Understanding your Credit Score Understanding Your Credit Score Fair, Isaac and Co. is the San Rafael, California Company founded in 1956 by Bill Fair and Earl Isaac. They pioneered the field of credit
Money Management 101 - A Guide to Smart Budgeting
Summit Branches are conveniently located in Rochester (8), Seneca Falls (1), Buffalo (2), Syracuse (5) and Cortland (2) Money Management 101 - A Guide to Smart Budgeting Presented by The Summit Federal
Manage Your Cash, Manage Your Life
Manage Your Cash, Manage Your Life 1 Manage Your Cash, Manage Your Life A simple guide to effective cash flow management Contents The importance of Cash Flow Management 3 Get on top of your cash flow 4
CreditShop Financial Educa3on Program July 2015
CreditShop Financial Educa3on Program July 2015 What is a Personal Installment Loan? A personal installment loan is a one 3me loan where the principal loan amount plus interest are repaid in equal payments
Drowning in the Sea of Credit Card Debt Tips for Getting Out of Debt and Staying Out 19 TAC Chapter 74.34 (b) (1)
Drowning in the Sea of Credit Card Debt Tips for Getting Out of Debt and Staying Out 19 TAC Chapter 74.34 (b) (1) Millions of Americans have set sail on the Sea of Credit Card Debt with good intentions
Four Steps to Reduce Your Debt
Four Steps to Reduce Your Debt Overview Simple steps you can take to reduce your debt. Admit that you have a problem and commit yourself to fixing it. Stop debt spending. Make a spending plan. Pay down
The 2009 Consumer Financial Literacy Survey Final Report. The National Foundation for Credit Counseling
The 2009 Consumer Financial Literacy Survey Final Report Prepared For: The National Foundation for Credit Counseling Prepared By: Harris Interactive Inc. Public Relations Research Summary At this time
Opening a bank account
Section 6 - Money4_7_Layout 1 10/01/2011 11:42 Page 124 Money Section 6 Opening a bank account 125 Borrowing money 127 Budgeting and managing your money 129 124 Money Opening a bank account Opening a bank
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love.
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. Thinking about life insurance? You re not alone. Canadians generally agree
Credit Scoring and Wealth
the Problem In most games, it is wise to understand the rules before you begin to play. What if you weren t aware that you were playing a game? What if you had not choice whether to play or not? Everyone
LIFE INSURANCE STRATEGY GUIDE
LIFE INSURANCE 101 STRATEGY GUIDE : STRATEGY GUIDE TABLE OF CONTENTS Why You May Need Life Insurance... 5 Shopping for Life Insurance... 5 How Much Life Insurance to Obtain... 6 Calculating Total Funds
Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account.
Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account. Account fee the amount charged by a financial institution for the
HELLO, MY NAME IS DEBT
HELLO, MY NAME IS DEBT SCHEDULE Topic Get Your Money Right Hello, My Name is Debt Date Complete Today Homeownership: The Cash Black Hole 10/16 Picking Your 401(k) Investments Pt 1 10/23 Picking Your 401(k)
Tips On Paying For College
Debt-free Scholar Presents Tips On Paying For College Table of Contents Introduction... 3 Is there ever a point at which a student should consider applying for college loans?... 4 Is it possible for the
Using Credit to Your Advantage Credit Cards and Loans Participant Guide
Hands on Banking Using Credit to Your Advantage The Hands on Banking program is a free public service provided by Wells Fargo. You may also access the program anytime at www.handsonbanking.org & www.elfuturoentusmanos.org
Understand the relationship between financial plans and statements.
#2 Budget Development Your Financial Statements and Plans Learning Goals Understand the relationship between financial plans and statements. Prepare a personal balance sheet. Generate a personal income
You might be book smart, but... ARE YOU CREDIT WISE. A program to teach students the ins and outs of credit and personal finance.
You might be book smart, but... ARE YOU CREDIT WISE A program to teach students the ins and outs of credit and personal finance. we ve all been there And if you re like most college students: And if you
Financial Health Counselor Certification Program
Financial Health Counselor Certification Program Core Curriculum: Keys to Success I. Module One: Defining the Role of the Financial Counselor A. Unit One: The Components of Financial Well-Being 1. Self-Assessment:
ALLOCATE. Cash Management. Planning for Financial Security SAVING : INVESTING : PLANNING
ALLOCATE Cash Management Planning for Financial Security SAVING : INVESTING : PLANNING About this seminar ALLOCATE Presentation > Provides comprehensive education > Includes action steps > Provides opportunity
Financial Planning in Your 20s and 30s
Financial Planning in Your 20s and 30s Financial planning varies throughout the different stages of life. Older people are often focused on planning for a comfortable retirement, while younger people often
YOUR FINANCIAL FUTURE
YOUR FINANCIAL FUTURE December 2014 In This Issue A Net Worth Statement Helps Keep Retirees on Track Your net worth is more than just your income. A net worth statement presents a composite picture "in
Office of Student Financial Management
February 2015 Office of Student Financial Management Kasia Palm: Director of Student Financial Management What is Credit? - The ability to obtain goods/services before payment based on the trust that a
Some statistics to consider
Overcoming Debt Some statistics to consider Average credit card debt per household - $15,788 (May 2010) College loans alone now total almost $830 billion (said another way, $830,000,000,000!) Credit card
National Standards for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance
National s for Personal Finance Education - Jump $tart Correlation to Virtual Business - Personal Finance I. Financial Responsibility & Decision Making II. Income & Careers III. Planning & Money Management
Credit Score and Report Overview
Credit Score and Report Overview Have you ever wondered how your credit score is calculated? Have you ever asked, but are always given vague answers? I will tell you exactly how credit scores are determined
Diving Into Spending Plans Grade Level 7-9
2.15.1 Diving Into Spending Plans Grade Level 7-9 Get Ready to Take Charge of Your Finances Time to complete: 60 minutes National Content Standards Family and Consumer Science Standards: 1.1.6, 2.1.1,
Making a Budget and Sticking to It
Budgeting and money management Making a Budget and Sticking to It Do you cringe when you hear the word budget? Sure, a budget involves a bit of work on your part, but the payoff is financial discipline
Welcome! Please Sign in and Fill out the forms: AARP Participant Agreement Student Information/Pre-Assessment
Welcome! Please Sign in and Fill out the forms: AARP Participant Agreement Student Information/Pre-Assessment 1 Sponsored by and developed in collaboration with AARP FOUNDATION FINANCES 50+ TAKING CONTROL
Managing debt. It s easy to get into, harder to get out. Inside... debt. Think before you borrow. Know your options. Make a debt repayment plan
debt Managing debt It s easy to get into, harder to get out. Inside... Think before you borrow Know your options Make a debt repayment plan brought to you by the retirement commission Think before you
Credit Abuse Resistance Education
Credit Abuse Resistance Education (CARE) U S Bankruptcy Court U.S. Bankruptcy Court Southern District of California Are these things you Need or Want? 3 For Big Ticket t Items Unless you ve saved lots
Over the last decade, Americans have been able to access credit too easily.
Over the last decade, Americans have been able to access credit too easily. Being able to borrow too much allowed many of us to make bad decisions decisions that led to painful consequences. Now, the business
debt free You can be MAKE THE MOST OF YOUR CREDIT SCORE There is help waiting for you now.
You can be debt free MAKE THE MOST OF YOUR CREDIT SCORE There is help waiting for you now. Reduce or eliminate interest charges. Consolidate credit card bills into one lower monthly payment. Pay off your
Helpful Information for a First Time Mortgage
Helpful Information for a First Time Mortgage Getting Started Many people buying their first home are afraid lenders don't really want to work with them. But that's simply not true. Without you, there
Money Management. A College Student s Guide to Success. Lisa Wainwright Missouri State University Real LIFE
Money Management A College Student s Guide to Success Lisa Wainwright Missouri State University Real LIFE 0 1/24/2011 Missouri State University Real LIFE Tip 1: Set Your Goals The first thing you do before
Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts. 8 Risks You Must Overcome
The Financial Survey A Professional Process to Overcome the Risks to Financial Success Retirement Plans 401(k) s Cash Receivables Businesses Real Estate Investment Accounts External Risk Inflation Higher
Personal Finance. Mao Ding & Tara Hansen
Personal Finance Mao Ding & Tara Hansen Banking Accounts Checking Account Checking account is either zero interest or very low interest bearing Checking account can have infinitely many transactions No
FINAL EXAM. True or False. Multiple Choice. 21. False 22. False 23. False KEY. 10. False. 24. True. 31. True. 4. False. 26. True 27. True 28.
FINAL EXAM KEY True or False 1. False 2. True 3. True 4. False 5. False 6. False 7. True 8. True 9. False 10. False 11. False 12. False 13. False 14. True 15. True 16. False 17. True 18. False 19. True
Be Credit Wise Credit is a way of having something now and paying for it later. Many
Be Credit Wise Credit is a way of having something now and paying for it later. Many of us want to take advantage of flexibility in our spending plans by using credit. Credit isn t free; it s paid for
Chapter Objectives. Chapter 6. Short Term Credit Management. Major Topics. Reasons for Using Credit. How to Get Credit. Disadvantages of Using Credit
Chapter Objectives Chapter 6. Short Term Credit Management To evaluate reasons for and against using credit and decide whether or not credit is appropriate for you. To be able to take the necessary steps
Personal Financial Planning For Medical Residents
Personal Financial Planning For Medical Residents Matthew Lawson, M.D. What is personal financial planning? What is personal financial planning Is it Buying a house Paying for a car Purchasing stocks Paying
Take Control of Your Debt
Student Services Funding & Advice Take Control of Your Debt SUCCESS...We ll help you achieve it! @UWS_Funding TAKE CONTROL OF YOUR DEBT Borrowing money can be an inevitable part of life. It is important
Money Worries. Practical Advice
Money Worries Practical Advice Practical Advice for those with Money Worries In the current financial climate there are more people struggling to make ends meet and some people can not see a way out.
UNIT 3 3 Checking Your Credit History
UNIT 3 3 Checking Your Credit History As we learned in the last lesson, building a strong credit history is an essential step on the pathway to home ownership. You credit history is your financial resume
Investigating Investment Formulas Using Recursion Grade 11
Ohio Standards Connection Patterns, Functions and Algebra Benchmark C Use recursive functions to model and solve problems; e.g., home mortgages, annuities. Indicator 1 Identify and describe problem situations
Your Credit Report. Trade lines. The bulk of a credit report is dedicated to your history of handling credit. It includes:
Your Credit Report The three major credit bureaus in the United States are Experian, TransUnion, and Equifax. These companies acquire data from banks, credit unions, mortgage lenders, and retail establishments.
Budgeting and debt advice handbook for residents
Budgeting and debt advice handbook for residents Step-by-step guide Contents Introduction...................... 3 Income maximisation List your income Can you increase your income? Income..........................
PRACTICAL MONEY GUIDES CREDIT HISTORY. Your credit history and how it affects your future
PRACTICAL MONEY GUIDES CREDIT HISTORY Your credit history and how it affects your future YOUR CREDIT HISTORY THE RECORD OF HOW WELL YOU HANDLE CREDIT To get a glimpse of your financial future, many businesses
MANAGING YOUR CREDIT
FINANCIAL HEALTH MANAGING YOUR CREDIT anaging credit is important to you. Credit makes life easier by giving you the flexibility you need, when you need it. Whether you are taking a vacation, making a
Investment Simulation - A Must For Any Student
Sample Pages Experiencing Investment An Illustrated Introduction to Personal Investing Margaret Williams Mathew Georghiou Table of Contents 5 Contents 1. Welcome... 7 2. GoVenture Investment... 9 What
Understanding Credit
Understanding Credit Topics covered: Establishing Credit Credit Scores Repairing Credit Why is credit necessary? Applying for a loan Applying for a credit card Applying for a mortgage Renting an apartment/house
PNC is a registered mark of The PNC Financial Services Group, Inc.( PNC ) 2013 The PNC Financial Services Group, Inc. All rights reserved.
The seminar and/or webinar and materials that you will view were prepared for general information purposes only by Baker Tilly and are not intended as legal, tax or accounting advice or as recommendations
Financial. Management FOR A SMALL BUSINESS
Financial Management FOR A SMALL BUSINESS Welcome 1. Agenda 2. Ground Rules 3. Introductions FINANCIAL MANAGEMENT 2 Objectives Explain the concept of financial management and its importance to a small
THE JOY OF HOME OWNERSHIP FAQ
THE JOY OF HOME OWNERSHIP FAQ Congratulations. By visiting the JoyofHomeownership.com, you are one step closer to owning your own home. Below are answers to a few Frequently Asked Questions concerning
BUILD A SOLID CREDIT HISTORY
BUILD A SOLID CREDIT HISTORY WHAT IS CREDIT? Credit is money that you borrow, usually in the form of a credit card or loan, with the promise to pay it back. Why is it important to have good credit? There