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

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Presentation on theme: "Personal Finance 101 Presented by the Center for the Enhancement of Teaching & Learning."— Presentation transcript:

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

2 Financial Calculators for Specific Needs  Mortgage- http://www.bankrate.com/calculators/mortgages/mortgage- calculator.aspx  Auto-http: //www.bankrate.com/calculators/auto/auto-loan- calculator.aspx  Buy or Rent- http://www.bankrate.com/calculators/mortgages/rent-or-buy- home.aspx  Retirement- http://www.bankrate.com/calculators/index-of- retirement-calculators.aspx  College- http://www.bankrate.com/calculators/savings/saving-for- college.aspxhttp://www.bankrate.com/calculators/savings/saving-for- college.aspx  Credit Cards -http://www.bankrate.com/calculators/credit- cards/debt-calculator.aspx  Student Loans -http://www.bankrate.com/calculators/credit- cards/student-loan-debt-calculator.aspx

3 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)

4 Checking Credit Reports If you find an error, contact the ‘big’ three nationwide consumer credit reporting companies for assistance:  Equifax- www.equifax.com/CreditReportAssistance www.equifax.com/CreditReportAssistance  Experian- www.experian.com/disputewww.experian.com/dispute  TansUnion- www.transunion.com/disputewww.transunion.com/dispute

5 How to Improve your Credit Score  General Information- http://www.myfico.com/crediteducation/improveyourscore.aspx  General tips that work for people- https://www.creditkarma.com/question/how-can-i-raise-my-crdit-score- 100-points-in-6-months  Specific Steps to Take- http://money.msn.com/credit-rating/9-fast-fixes-for-your-credit- scores-liz-weston?wvsessionid=60e0f518e1e04530bf2000841f758089

6 Credit Reports You are entitled to request one free credit report every year.  http://www.annualcreditreport.com http://www.annualcreditreport.com  1-877-322-8228  Request by mail:  Annual Credit Report Request Service  P.O. Box 105281  Atlanta, GA 30348-5281  (The request form can be downloaded from the Annual Credit Report website)

7 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

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