Personal Finance 101 Presented by the Center for the Enhancement of Teaching & Learning.

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Presentation transcript:

Personal Finance 101 Presented by the Center for the Enhancement of Teaching & Learning

Financial Calculators for Specific Needs  Mortgage- calculator.aspx  Auto-http: // calculator.aspx  Buy or Rent- home.aspx  Retirement- retirement-calculators.aspx  College- college.aspxhttp:// college.aspx  Credit Cards - cards/debt-calculator.aspx  Student Loans - cards/student-loan-debt-calculator.aspx

Helpful Financial Websites  Bankrate.com (rates, calculators, advice)  Wallaby(credit card reward maximizer)  FutureAdvisor (financial advice for the little guy)  Earmark (program that vacation saves for you)  Larky (searches hundreds for discount programs for you)  Simplee (records, makes sense of your medical bills)  Level (free monthly budgeter service)  Quicken Loans (highest rated online mortgage service)  Mint.com (interactive financial planner for every item)

Checking Credit Reports If you find an error, contact the ‘big’ three nationwide consumer credit reporting companies for assistance:  Equifax-  Experian-  TansUnion-

How to Improve your Credit Score  General Information-  General tips that work for people points-in-6-months  Specific Steps to Take- scores-liz-weston?wvsessionid=60e0f518e1e04530bf f758089

Credit Reports You are entitled to request one free credit report every year.    Request by mail:  Annual Credit Report Request Service  P.O. Box  Atlanta, GA  (The request form can be downloaded from the Annual Credit Report website)

myFICO.com- the credit score authority  How to check your three big credit bureau scores (Experian, Equifax, Transunion- all three matter)  How to fix errors  How to receive credit score change alerts  How to boost your scores  How to understand your scores