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Dec 29th, 2014

Your video is about financial literacy.

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From mastering the basics to understanding the financial responsibilities of having a baby, our library covers topics appropriate for both traditional and non-traditional students. A partial listing of topics covered by Financial Literacy 101 include:

Financial Health

Financial Health for Students - An introduction to the concept of financial health and how financial health can be different for students.Introduction to Budgeting - A simple introduction to how and why everyone should consider creating a monthly budget.Advanced Budgeting - Suggestions for tracking actual spending over time, including our Budget-to-Actuals calculator.Money Saving Ideas - Looking for ideas for ways to save money now? Almost everyone can find a way to save using at least one of these tips.

Choosing a Bank - What to look for when choosing a financial services institution, including the benefits of credit unions. - Account management strategies including online bill payment and data protection.Checking and Savings Accounts - Checking and savings account strategies designed to minimize fees.

Managing Credit

Credit Reports and Scores - A look at the pervasiveness of credit in our culture and the function of credit reports and scores.Credit vs. Debit Cards - The pros and cons of each type of card with suggestions for when to use each for maximum consumer protection.Students and Credit Cards - With limited or non-existent income, students face special challenges with credit card debt.Building Credit - Understanding the decisions and behaviors that can lead to improved credit scores.Credit Card Act of 2009 - A clear explanation of how the new regulations work to protect card holders.Reading Your Credit Report - A line-by-line description of what to expect and look for when viewing a credit report.Identity Theft

Identity Theft - Understanding how identity theft happens and how to prevent it.Dealing with ID Theft - What to do if you are a victim of identity theft.Financial Trouble

Financial Trouble - Spotting the warning signs of excessive debt.Dealing with Financial Trouble - An introduction to the steps you can take to begin dealing with financial problems.Creating a Debt Reduction Plan - Whether done independently or with a credit counselor, creating a debt reduction plan is an important first step for those with financial trouble.Credit Counseling - The role of credit counseling organizations and how a debt management plan works to restore credit over time.Choosing a Credit Counselor - The best way to find a good credit counselor is knowing what questions to ask. Here's a comprehensive list of questions.Avoiding Credit Repair Scams - How to spot a credit repair scam.Debt Collection and Your Rights - Understanding legal and illegal debt collection practices. How to report companies that ignore the law.Debt Collection and Legal Actions - What to do if you are sued over debt.Understanding Bankruptcy - The types of bankruptcy and why it should be used only as a last resort.Avoiding Alternative Financial Services - Understanding why payday loans, check cashing services, and similar services are bad deals for consumers.

Financial Planning

Financial Planning Introduction - Learning the "how" and "why" of short, medium, and long-term financial planning. - A will is the cornerstone of the legal framework of an estate plan, and everyone should have one.Powers of Attorney - Everyone faces the possibility of temporary or permanent incapacitation. Make sure your wishes are followed.Estate Planning - An overview of wills, trusts, and other end of life issues.Getting Married: Talking About Money - The financial considerations of getting married. How to talk about money with your spouse.Getting Married: Planning for the Unexpected- Planning for unexpected events, including accidents, death, and even the possibility of divorce, are all part of a responsible marriage.Financial Aid

Financial Aid Introduction - An introduction to the financial aid materials available at Financial Literacy 101.Types of Financial Aid - The main types of financial aid are education loans, grants and scholarships, work-study, and service programs.Creating an Aid Strategy - Considerations when planning to pay from school, including school choice, employment options, accounting strategies, and the importance of borrowing wisely.Understanding Financial Need - How financial need is officially determined.Independent Student Status - Understanding your financial aid dependency status, including a discussion of what to do if the parents of dependent students refuse to help them pay for college.Applying for Aid - The aid application process, including descriptions of the FAFSA and Profile forms.Understanding Education Loans - A description of the main types of student loans, including government loans, consolidation loans, and private loans. - Questions every student should be able to answer before taking on a student loan.Selecting a Private Loan Lender - When federal loans are not enough, private lenders such as banks, credit unions, and nonprofit lenders can help to fill the gap.The Master Promissory Note - An introduction to the agreement that specifies your rights and responsibilities when accepting a student loan.Repaying College Debt - Common repayment plans are outlined, as well as instructions for finding your loans and the consequences of non-payment.Borrowing Wisely - Making smart choices about student loans, including a description of the impact of loan capitalization.Dealing with Not Enough Financial Aid - Why some students find themselves with too little aid and what can be done to make ends meet.Having a Baby

Having a Baby Introduction - An overview of the financial considerations of bringing a baby into your life.Babies and Budgets - How to get your finances in shape before a baby arrives, including a budget review, paying down debt, and creating an emergency fund.Paying for the Baby Years - The non-childcare costs you can expect when having a baby, from cribs to health insurance.Childcare Choices - An overview of different childcare choices and the financial implications of each.Children and Taxes - A review of federal tax benefits for families with children. - Life is filled with unexpected events. Learn how to ensure the financial security of your child in the worst-case scenario.Growing Up: Childhood and Beyond - A review of the tax benefits that can help you manage the expenses incurred with children.

Insurance Introduction - How insurance plays an important role in our financial lives. - Types of insurance, factors influencing cost, and choosing a policy that's right for your situation. - Who needs life insurance, types of policies, and how to determine coverage. - Understanding the benefits (and potential pitfalls) of this type of inexpensive insurance.Students and Health Insurance - Understanding the health insurance choices facing students, including non-traditional and international students.Disability Insurance - The benefits and costs of these often complex policies.Buying a Car

Buying a Car Introduction - An introduction to the car buying process.Choosing a Make and Model - A look at four important factors to consider when choosing a car: fuel consumption, insurance rates, reliability, and depreciation.The Total Cost of Ownership - Understanding the many costs associated with owning a car - from financing cost to taxes.Buy or Lease - The pros and cons of leasing.Financing a Car Purchase - How a loan affects the total cost of buying a car.Evaluating a Used Car - How to "do your homework" before buying a car.Introduction to Negotiation - Effective negotiation could potentially save you thousands on your next car purchase.Setting a Target Price - How to set a realistic target price for both new and used vehicles.Negotiating Price - Car dealers negotiate for a living - you don't. Know what to expect when negotiating the best deal.Avoiding Surprises - Think the negotiating is finished when you agree on a price? Here's how to negotiate dealer extras and extended warranty pitches.Common Mistakes - Twelve common mistakes to keep in mind when shopping for a car.

Housing Issues

Buying a Home - Pros and cons of buying a home, including a comparison with renting.Understanding Mortgages - Understanding the parts of a mortgage and common mortgage loan options.Buying vs. Renting a Home - How to decide if the time may be right for you to buy.Renting an Apartment - Your rights and responsibilities when signing a rental agreement.Roommates and Money - Simple strategies for managing your financial relationship with roommates.Saving and Investing

Saving and Investing - The difference between investing and saving, and how to tell what's the best option for your needs.Types of Investments - The pros and cons of stocks, bonds, and cash. The concept of asset allocation is explained. - The types of accounts available to investors, including both taxable and tax advantaged accounts. - Reasons why saving for retirement is more important than ever, plus a peak at how account fees impact investment performance over time. - How to develop a comprehensive retirement savings strategy.Retirement Savings Tips - A few simple things to keep in mind when starting a retirement savings plan. - An overview of the major retirement accounts, include Individual Retirement Accounts, Simplified Employee Pensions, and 401(k) plans.Individual Development Accounts - Understanding the benefits of IDAs, how to qualify, and where to find a program.

Happy New Year!

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Dec 29th, 2014

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