QUICKLEARN PLATFORM. Topic Catalog

Transcription

1 QUICKLEARN PLATFORM Topic Catalog

2 Personal QUICKLEARN Topics Share Draft Accounts 5601 Internet Safety The Importance of Passwords Mobile Banking Online Banking ATMs Wire Transfers Understanding Your Paycheck Developing a Budget (VBT only) Spending Decisions How Share Draft Accounts Work Free Share Draft Accounts Senior Share Draft Accounts Student Share Draft Accounts Earning Rewards Overdraft Protection Share Draft Account Balances Balancing Your Share Draft Account NCUA Insurance How Interest and Dividends Work Debit or Credit Prepaid Cards Share Accounts 5281 Health Savings Accounts Education Savings Accounts Money Market Accounts Internet Safety The Importance of Passwords Mobile Banking Online Banking Traditional IRAs Roth IRAs... 6 (Continues on next page) All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -i- November 2015

3 Personal QUICKLEARN Topics Share Accounts (Continued) 5644 Saving for Retirement ATMs Wire Transfers Understanding Your Paycheck Teaching Teens About Money Developing a Budget (VBT only) Spending Decisions Earning Rewards Personal Savings Youth Share Accounts (VBT only) Share Certificates Club Accounts NCUA Insurance How Interest and Dividends Work Debit or Credit Lending 5362 Credit Scoring (VBT only) Managing Your Debt Car Loans Personal Loans for Special Purposes (VBT Only) Lines of Credit Tax Deductible Loans Co-Signing a Loan Using Credit Wisely Repaying Student Debt (VBT only) Servicemembers: Your Financial Rights Home Equity Lines of Credit (VBT only) Retirement Plan Loans and Withdrawals (VBT Only) Four Alternatives to Bankruptcy (VBT Only) Spending Decisions... 7 (Continues on next page) All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -ii- November 2015

4 Personal QUICKLEARN Topics Lending (Continued) 5694 Understanding Contracts (VBT Only) Signature Loans How Interest and Dividends Work... 9 Investments and Insurance 5371 Repaying Student Debt (VBT only) Mobile Banking Traditional IRAs Roth IRAs Saving for Retirement Annuities Mutual Funds Stocks and Bonds Life Insurance Renters Insurance Homeowners Insurance Share Certificates How Interest and Dividends Work... 9 Retirement Solutions 5641 Traditional IRAs Roth IRAs Saving for Retirement Retirement Plan Loans and Withdrawals (VBT Only) Annuities Life Insurance Personal Savings Share Certificates NCUA Insurance... 9 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -iii- November 2015

5 Personal QUICKLEARN Topics Cards 5441 Credit Cards Gift Cards Chip Cards (VBT only) ATMs Debit or Credit Prepaid Cards Mortgages 5362 Credit Scoring (VBT only) Managing Your Debt Tax Deductible Loans Co-Signing a Loan Home Mortgage Options (VBT Only) Buying a Home: Closing and Escrow (VBT Only) Buying a Home: Know Before You Owe (VBT Only) Building a Home Refinancing a Home Remodeling a Home Home Equity Lines of Credit (VBT only) Protecting Yourself from Mortgage Fraud Selling Your Home Rent or Own? Reverse Mortgages Mortgage Basics (VBT only)... 5 Online Services 5601 Internet Safety The Importance of Passwords Mobile Banking Online Banking Protecting Yourself from Phishing Attacks (VBT only)... 6 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -iv- November 2015

6 Business QUICKLEARN Topics Lending 5001 Planning for Your Business Loan Working Capital Loans Business Loan Options (VBT Only) Equipment Loans Commercial Real Estate Loans Business Construction Loans Small Business Administration Loans Business Credit and Charge Cards Developing a Business Plan Choosing a Legal Business Structure Franchises (VBT only) Co-Signing a Loan... 4 Commercial Mortgage 5005 Commercial Real Estate Loans Business Construction Loans Small Business Administration Loans Choosing a Legal Business Structure Co-Signing a Loan... 4 Cards 5009 Business Credit and Charge Cards Merchant Card Services Chip Cards (VBT only) Business Debit Cards... 8 Cash Management 5081 ACH Services Remote Deposit Merchant Card Services Wire Transfers... 6 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -v- November 2015

7 Business QUICKLEARN Topics Business Resources 5161 Looking Ahead: Succession Planning (VBT only) (k) for Your Employees (VBT Only) Developing a Business Plan Choosing a Legal Business Structure Business Licenses and Permits Filing and Paying Taxes Employment Taxes Risk Management for Small Businesses When Business is Slow Franchises (VBT only)... 3 Deposits 5122 Remote Deposit Online Business Banking (VBT only) Internet Safety The Importance of Passwords Wire Transfers NCUA Insurance for Business Deposits Business Share Accounts Share Certificates... 9 Online Services 5121 Online Security Basics for Businesses Remote Deposit Online Business Banking (VBT only) Protecting Your Business from Phishing Attacks (VBT only) The Importance of Passwords... 5 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -vi- November 2015

8 Wealth Management QUICKLEARN Topics Investments 5283 Money Market Accounts Retirement Plan Loans and Withdrawals (VBT Only) Annuities Mutual Funds Stocks and Bonds Life Insurance Share Certificates NCUA Insurance... 9 Estate Planning and Administration 5683 Safe Deposit Boxes Power of Attorney Creating a Will Life Insurance... 8 Investments and Management Services 5641 Traditional IRAs Roth IRAs Saving for Retirement Creating a Will Annuities Mutual Funds Stocks and Bonds Life Insurance... 8 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -vii- November 2015

9 Wealth Management QUICKLEARN Topics Asset Management 5283 Money Market Accounts Saving for Retirement Fraud Protection for Seniors Safe Deposit Boxes Fraud and Scam Prevention Paying Income Taxes (VBT only) Developing a Budget (VBT only) Calculating Personal Wealth in Your 20 s (VBT only) Managing Money for Others: Four Rules (VBT only) Annuities Mutual Funds Stocks and Bonds Life Insurance How Interest and Dividends Work... 9 Lending 5362 Credit Scoring (VBT only) Managing Your Debt Personal Loans for Special Purposes (VBT only) Lines of Credit Tax Deductible Loans Co-Signing a Loan Using Credit Wisely Refinancing a Home Reverse Mortgages Credit Cards Four Alternatives to Bankruptcy (VBT Only) Signature Loans... 8 All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -viii- November 2015

10 Wealth Management QUICKLEARN Topics Estimated study time for QUICKLEARN topics is 4-8 minutes. Actual times will vary by learner. All topics available in both computer- and video-based formats, unless otherwise noted. MMXV BVS, Inc. -ix- November 2015

11 QuickLearn Platform Topics 5001 Planning for Your Business Loan Before taking out a business loan, there are several questions to consider, as discussed in this topic. It also examines what distinguishes a business loan from a personal loan Working Capital Loans This QUICKLEARN topic will examine some of the circumstances that make working capital loans a viable option for business owners. In doing so, it will also take a closer look at the critical role of working capital in the everyday operations of a business Business Loan Options This topic will look at the characteristics of a business line of credit and how those characteristics differ from a term loan Equipment Loans This QUICKLEARN topic examines the purpose and functionality of equipment loans and demonstrates how they can have a positive impact on business growth Commercial Real Estate Loans This topic provides some basic information that a business owner should know when seeking a commercial real estate loan, including how such a loan is commonly used, the importance of cash flow and the role of loan-to-value (LTV) ratio Business Construction Loans This topic will examine business construction loans including when they are generally used and some of the requirements you might encounter when trying to obtain one Small Business Administration Loans This topic will explain how the Small Business Administration (SBA) functions and examine how its various programs might be able to assist you with your business needs Business Credit and Charge Cards This topic examines the benefits of using business credit and charge cards. It includes information on how these credit cards generally function, how they're different and what separates them from consumer credit cards ACH Services This QUICKLEARN topic reviews the benefits to businesses who use the ACH network for payables and receivables. It looks at the ACH transactions types used most frequently by businesses Online Security Basics for Businesses By following some basic online security precautions, your company can help mitigate the burgeoning risk of cybercrime. This topic offers basic suggestions to help protect your business from computer hackers Remote Deposit Remote deposit capture (RDC) allows for the electronic transfer of checks to a financial institution from a remote location (such as an office). It is a safe, convenient and cost-effective solution to the small business time crunch. This topic deals with RDC technology and its potential benefits to your business. MMXV BVS, Inc. -1- November 2015

12 QuickLearn Platform Topics 5123 Online Business Banking Safe, secure online banking let's you manage your finances, pay your bills and manage your payroll, anytime, from anywhere. This QuickLearn topic examines online business banking Developing a Business Plan This topic will explain the essential role of a well thought out business plan in the success of a company and the different elements that should be considered when that plan is put together Protecting Your Business from Phishing Attacks Do you know how to protect your business from phishing attacks launched by Internet scammers? This topic will help you strengthen your defenses Choosing a Legal Business Structure This topic will cover the important decision of choosing the best legal structure for your company and some of the most common available options Looking Ahead: Succession Planning Succession planning a process for identifying and developing candidates to replace core individuals at your organization is examined in this topic Business Licenses and Permits This topic will explain the necessity of obtaining the proper licenses and permits for your business and will examine some of the common federal, state and local licenses that may be required (k) for Your Employees This QUICKLEARN topic provides information to businesses that are thinking about offering 401(k) retirement plans to their employees Merchant Card Services This QUICKLEARN topic offers you an overview of our credit card merchant accounts. You'll see how your business can benefit by accepting credit and debit cards and find out what's needed to open a credit card merchant account. You'll also learn how credit card and debit card transactions will flow through the network Filing and Paying Taxes This topic will explain the tax obligations of businesses. It will explain both federal and state requirements, how to recognize when an activity has evolved from a hobby into a business, and making a determination about when a tax year starts Employment Taxes This topic takes a look at businesses' responsibility to pay employment taxes, which includes federal income tax withholding, Social Security and Medicare taxes, and Federal Unemployment Tax (FUTA). MMXV BVS, Inc. -2- November 2015

13 QuickLearn Platform Topics 5219 Risk Management for Small Businesses This QUICKLEARN topic looks at the tricky task of driving your business forward and managing risk at the same time Credit Scoring Learn about credit reports and credit scores: what they are, where the information comes from and how to interpret the data within When Business is Slow Slow periods are especially challenging for small business owners. This QUICKLEARN topic provides recommendations to help these entrepreneurs survive and possibly even thrive when business is slow Franchises This QUICKLEARN topic explores the subject of franchises and similar business opportunities with the goal of helping you decide if such an opportunity is right for you Managing Your Debt This QUICKLEARN topic offers suggestions for managing consumer debt, including strategies for consolidating and lowering interest rates and payment amounts Car Loans This QUICKLEARN topic offers tips on purchasing your next car. You'll learn how to determine what you can afford and the advantages of applying for a pre-approved loan. You'll also get some suggestions on how to get a fair price at the dealership Health Savings Accounts This topic provides basic information regarding eligibility and requirements for tax-sheltered health savings accounts (HSAs) Education Savings Accounts The basic rules for establishing and funding an Education Savings Account (ESA) are covered in this topic, as well as the provisions for taking distributions Money Market Accounts This topic walks you through the features and benefits of limited-transaction money market deposit accounts (MMDAs) Personal Loans for Special Purposes This QUICKLEARN topic looks at some special occasions and purposes for which you might consider applying for a loan, and goes over the different credit options that may be used to meet your needs Lines of Credit This QUICKLEARN topic describes three line of credit options: home equity lines of credit (HELOCs), personal lines of credit and credit cards. MMXV BVS, Inc. -3- November 2015

14 QuickLearn Platform Topics 5368 Tax Deductible Loans This QUICKLEARN topic looks at two types of tax deductible loans: home and school loans. Although the focus is on loans that may be tax deductible, keep in mind that this is not tax advice. You should consult your tax adviser for the final word on tax deductible loans Co-Signing a Loan This topic looks at the responsibilities and risks you assume as co-signer on a loan. It also gives tips on ways to reduce the risk of your own credit suffering as the result of co-signing a loan Using Credit Wisely This topic provides tips on ensuring that you are making good decisions when using credit. It also examines things to do (and not do) when managing your credit Repaying Student Debt The average college student today finishes school with a debt of $24,000. If you're a student, you need to play it smart when you begin repaying these loans. This topic looks at several things to keep in mind Servicemembers: Your Financial Rights Are you a servicemember on active duty, or about to begin active duty? If so, you need to know your financial rights and protections under federal law Home Mortgage Options This topic is the first of three topics designed to guide you through the mortgage loan process, beginning with one of the first steps the application Buying a Home: Closing and Escrow This topic guides you through the mortgage closing and escrow processes Buying a Home: Know Before You Owe This topic briefly explains how the 2008 mortgage crisis changed the way consumers borrow money, and what you can do to prevent your own personal mortgage crisis Building a Home This topic takes a closer look at the process involved with building a home, from applying for a construction loan to project completion Refinancing a Home This topic will look more closely at the thought process behind refinancing a home mortgage and what to consider in determining whether it's the right move for you Remodeling a Home This topic will examine some of the choices that must be made when you decide to remodel your home, from picking the right contractor to choosing the financing option that best meets your needs Home Equity Lines of Credit This topic takes a closer look at home equity lines of credit (HELOCs). You'll see why it's considered an attractive borrowing option by many consumers and what distinguishes HELOCs from other types of loans. MMXV BVS, Inc. -4- November 2015

15 QuickLearn Platform Topics 5408 Protecting Yourself from Mortgage Fraud This QUICKLEARN topic discusses mortgage loan fraud. It explains some of the more common types of mortgage fraud, and what you can do to prevent becoming a victim Selling Your Home This topic answers some of the questions consumers may have about selling their homes. It looks at establishing the value of the home, listing with an agent vs. selling "by owner," and what to do to prepare your house to sell. It also reviews accepting an offer and the closing process Rent or Own? This topic looks at the benefits of renting vs. owning your own home. It also looks at factors you should consider when trying to make a decision whether to buy a home or rent Reverse Mortgages This topic looks at reverse mortgages: when it could be the right solution, and when you should consider other alternatives. It reviews the three types of reverse mortgages, loan features and red flags Mortgage Basics This QUICKLEARN topic gives a short overview of the mortgage process, and is aimed specifically at customers who wish to initiate the application process online Credit Cards In this topic an expert on credit cards take questions from typical consumers to answer some of the most common concerns about how credit cards work Gift Cards This QUICKLEARN topic describes gift cards: how they are used and some of the advantages of giving a gift card Chip Cards In the fight against fraud, chip card technology is becoming the new global standard for credit card and debit card payments. This topic explains how this technology works Internet Safety Anyone who uses the Internet will benefit from adopting security practices outlined in this topic. Learn how to be safer when you surf, communicate, purchase, bank, create, work... and the list goes on The Importance of Passwords A good password is essential to secure use of the Internet. This topic offers tips and techniques that will help you create and remember strong passwords Mobile Banking Today's mobile banking defines convenience. Whether you're at home, at work, at play or just on the go, you can pay bills, transfer money, deposit checks or check your balances from your smart-phone or other mobile device Online Banking Online banking is easy, fast and convenient, but is it safe? In this topic, we address those issues and provide some important safety tips for secure online banking. MMXV BVS, Inc. -5- November 2015

16 QuickLearn Platform Topics 5605 Protecting Yourself from Phishing Attacks Do you know how to look for and avoid phishing attacks from Internet scammers? This topic is designed to raise awareness about phishing techniques Traditional IRAs This topic discusses the features and benefits of traditional deductible IRAs, including eligibility requirements, contribution limits and withdrawal rules Roth IRAs This topic spotlights the Roth individual retirement account (IRA), covering its features and providing a comparison with the traditional deductible IRA Saving for Retirement Which retirement savings strategy is best for your situation? This QUICKLEARN topic helps you answer that question by exploring some of the most popular options IRAs, annuities and 401(k)s Retirement Plan Loans and Withdrawals If you find yourself in a financial bind, tapping into your retirement savings may seem like a good option. But should you borrow from your retirement plan? This QuickLearn topic explores that question Fraud Protection for Seniors A look at the growing nature of senior financial abuse, this topic helps you identify warning signs and suggests proactive steps that can be taken to prevent being victimized ATMs This topic discusses the advantages of using automated teller machines (ATMs) and looks at some of the most recent technological advancements with ATMs. It also provides a general description of how they are owned and operated Safe Deposit Boxes This topic will examine the advantages of using a safe deposit box and the things you should consider. It includes information on which personal items are usually kept in a safe deposit box, which items are best kept at home and how a safe deposit box generally functions Wire Transfers This topic will look at the process of making a wire transfer, when it is generally conducted and the advantages of secure, financial institution transfers Fraud and Scam Prevention Consumers need to constantly be aware of the tactics used by thieves and con artists looking to swindle account holders out of their money. This topic examines some preventative steps that can help avoid becoming a victim Understanding Your Paycheck This topic decribes the line items found in an earnings statement or paycheck stub. It's particularly suited to teenagers receiving their first paycheck. MMXV BVS, Inc. -6- November 2015

17 QuickLearn Platform Topics 5687 Teaching Teens About Money This QUICKLEARN topic will discuss the right time to start talking to teens about handling their personal finances, suggest some exercises that will help teens learn to save and spend their money responsibly, and briefly discuss options when it comes to saving for the future Paying Income Taxes This topic provides basic tax information geared mostly toward younger workers who may be just starting their careers Developing a Budget In this topic, we look at what a budget is and how it can help you manage your money. We review how to create a budget so that you can get started as soon as you are ready Four Alternatives to Bankruptcy This topic reviews options for avoiding the negative impacts of personal bankruptcy Spending Decisions The aim of this topic is to help you make wise spending decisions and keep more of your money where you can see it: in your account Understanding Contracts Almost every day, you enter into a contract whether subscribing to an Internet service or buying something. Do you always understand what you're agreeing to? Check out this topic for some useful advice Power of Attorney This topic explains the legal authority granted through power of attorney. It will examine the different types of power of attorney and when it is generally used Creating a Will This topic provides general information about creating a will. It includes why a will is needed, the general content of a will and some of the steps involved in putting a will together Calculating Personal Wealth in Your 20s This topic provides a summary on how to calculate personal wealth from the perspective of young adults in their 20s. It explains the common steps involved in that process and how the information gathered can be useful Managing Money for Others: Four Rules Millions of Americans manage money or property for someone else, often an older relative or friend. This QUICKLEARN topic sheds light on the major responsibilities these financial caretaker face Annuities Two basic types of annuities are compared in this topic. The topic also looks at other factors to weigh with respect to retirement savings and investing. MMXV BVS, Inc. -7- November 2015

18 QuickLearn Platform Topics 5762 Mutual Funds How can the average investor build a diverse, balanced, well-hedged portfolio of stocks, bonds and other instruments? Pooled investments, such as mutual funds, offer you an affordable way to invest in a wide range of companies and industry sectors Stocks and Bonds When do stocks and bonds "fit right in" to an investment portfolio and when might they be "too hot to handle?" Here's a quick and easy explanation of these sometimes risky investments Life Insurance Life insurance is the perfect way to keep your family safe from financial worries after you're gone. This topic describes the basic types of insurance and answers some commonly asked questions about life insurance Renters Insurance Are you a renter? Do you have renters insurance? If not, you may want to give this QuickLearn Topic a quick read. It could save you a bundle Homeowners Insurance Homeowners insurance can compensate you for the loss of your home and possessions from thieves, vandals, natural disasters and more providing security for your valuable investment NCUA Insurance for Business Deposits This QUICKLEARN topic explains the provisions for NCUA insurance coverage for corporations, partnerships and sole proprietorships Business Share Accounts Aimed specifically at small- to mediumsized businesses, this QuickLearn topic looks at the advantages of business share accounts Business Debit Cards This topic will help you understand the features of a business debit card and the benefits it offers to your business How Share Draft Accounts Work This topic provides a quick but comprehensive explanation of share draft account features and how the account functions Free Share Draft Accounts What exactly do you get with a free share draft account? That varies, but certain services are always included for free, as this topic will explain Senior Share Draft Accounts How do senior share draft accounts differ from standard, or traditional, share draft accounts? What are the common benefits that a senior account can offer? Those are the questions addressed in this topic Signature Loans Need cash for an unexpected emergency or special, major purchase? A signature loan could be the ideal solution. MMXV BVS, Inc. -8- November 2015

19 QuickLearn Platform Topics 6245 Student Share Draft Accounts This QUICKLEARN topic provides a general description of share draft accounts (also known as checking accounts) for teens and college students Earning Rewards Reward accounts are extra benefit accounts. In this quick and easy QuickLearn topic, you'll learn the basic rules and the attractive perks of reward share draft and share savings accounts Overdraft Protection This topic provides information on the benefits, options and responsibilities related to overdraft protection, including overdraft protection program features Share Draft Account Balances This topic explains the various types of balances that apply to your share draft account. This includes current, available, average and minimum balances Balancing Your Share Draft Account This topic walks you through step-by-step instructions for balancing a share draft account register with an account statement and includes a printable worksheet you can use Personal Savings A share account is a convenient way to save with easy access to your money. This topic discusses the features to look for in a share account Youth Share Accounts Share Certificates are attractive investment options for many consumers because they are higher in yield and lower in risk than many investments. Learn more about them in this QUICKLEARN topic that takes an unusual approach to these short-term and long-term savings certificates Share Certificates Share Certificates are attractive investment options for many consumers because they are higher in yield and lower in risk than many investments. Learn more about them in this QUICKLEARN topic that takes an unusual approach to these short-term and long-term savings certificates Club Accounts Join the club! Club accounts can be the perfect vehicle for systematic savings regardless of the need to save. Learn how in this short QuickLearn topic NCUA Insurance This topic will help you learn how to structure your accounts to maximize your National Credit Union Association (NCUA) coverage How Interest and Dividends Work Explains how credit unions pay dividends on shares, then loan that money at a higher rate. For the member, this means borrowing money is really like "renting" it. MMXV BVS, Inc. -9- November 2015

20 QuickLearn Platform Topics 6442 Debit or Credit? Debit cards are appropriate for most routine purchases, but this topic covers the situations when a credit card may offer more flexibility and security at no added cost as long as it's paid off before interest charges take effect Prepaid Cards This QUICKLEARN topic describes prepaid cards: what they are, how to get them and how to use them. It describes using a prepaid card to reload as needed to manage expenses; how a prepaid card can help students or teenagers; using a prepaid card for travel; and the benefits of a payroll card. MMXV BVS, Inc November 2015

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