Tips and Tools For Financial Success - Newton Free Library

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Investor Knowledge Quiz - http://www.finra.org/Investors/ToolsCalculators/P116940 FINRA’s basic quiz on investing with informative answers. PDF download available. Investor Protection Tips - http://www.sec.state.ma.us/sct/sctinv/invidx.htm From the Mass Securities Division downloadable brochures on Annuities, Mutual Funds, Investment Fraud and more. Investor Tools from the CFA Institute http://www.cfainstitute.org/about/investor/Pages/index.aspx Includes Glossary, Basics of Investing and Investment Insights. Making your First Investments - http://www.aaii.com/classroom/article/making-your-first-investments From the American Association of Individual Investors. My Retirement Paycheck - http://www.myretirementpaycheck.org For consumers nearing retirement, whether they have made retirement plans or not. Answers questions on an array of financial topics such as insurance, debt and fraud protection. From the National Endowment for Financial Education. Opportunity and Risk: An Educational Guide to Trading Futures and Options on Futures http://www.nfa.futures.org/NFA-investor-information/publication-library/opportunity-and-riskentire. pdf From the National Futures Association. SavingforCollege.com - http://www.savingforcollege.com/ Financial Aid Basics, Guide to 529 plans and more. Saving our Futures - http://www.americaspromise.org/Resources/Financial-Responsibility Program about financial responsibility developed for middle and high school students. Curriculum available in English and Spanish. Smart Investing – Getting Started - http://www.finra.org/Investors/SmartInvesting/GettingStarted/ How to get started on your investment program from the FINRA Foundation. VI. Financial Recovery Financial Recovery Assistance www.211.org - to identify and learn about local, state, and national assistance programs or call 211. www.recovery.gov - for more information about initiatives resulting from the new recovery law. www.govbenefits.gov - for details on the broader array of federal loan programs, and to determine if you are eligible for government benefits. www.makinghomeaffordable.gov - to determine if you are eligible for programs that help you avoid foreclosure or overcome obstacles to refinancing your home loan. Credit Reports www.annualcreditreport.com - to order your credit report from. This is the only online source authorized to do so. Beware of other sites that may look and sound similar. 153
Identity Theft www.ftc.gov/idtheft - the FTC’s Identity Theft Hotline or call 1-877-IDTHEFT (438-4338). www.ftccomplaintassistant.gov - to file a complaint with the FTC or call using the online complaint form or call 1-877-IDTHEFT (438-4338). Paying your Creditors www.ftc.gov/bcp/menus/consumer/credit.shtm - visit this FTC website with information on consumer rights if you feel you are being harassed or treated unfairly by creditors. Report any problems you have with a debt collector to the Massachusetts Attorney General’s office http://www.mass.gov/ago/ and the FTC www.ftc.gov. Bankruptcy The law now requires that you receive credit counseling before filing for bankruptcy. You should also seek sound legal counsel before filing for bankruptcy. For more information on bankruptcy visit: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre41.shtm www.uscourts.gov/bankruptcycourts/bankruptcybasics.html Credit Counseling For information on choosing a credit counselor visit: www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm. 154
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Financial Literacy at the Library T
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Background and Acknowledgments Fina
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Chapter V. Credit Overview of Credi
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6 Newton Free Library hosted Financ
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8 © 2011 American Consumer Credit
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Goal Setting & Financial Planning (
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Financial Goals Worksheet (SMART)
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Planning For Unexpected Life Events
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1. Determine what to keep at home a
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5. Keep a close watch on your bank
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20 Kip Child, FDIC Community Affair
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Introduction to Banks (from FDIC Mo
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24 Debit Cards • Fees? • Fee wa
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Ways to Take Money Out of Your Acco
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Using Electronic Banking (from FDIC
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Activity 1: Checking Account Fees (
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Activity 3: Record Transactions in
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Sample Check Register Check Number
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Paper Money Copy, cut, and put the
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III. Budgeting Practice Good Habits
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Create a Budget—and Pay Yourself
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Household Budgeting Worksheet Housi
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Read the scenario, review the Month
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Increase Your Income How might how
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Develop a Spending Plan A spending
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Implement Your Plan Seek Assistance
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• Educate yourself and learn more
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Budgeting Quiz 1. How long should y
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Budgeting Quiz -Answers 1. Correct
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IV. Saving and Investing Preparing
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The true magic of compound interest
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9. Pay off high-interest credit car
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Risk-Return Relationship Table (FIN
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Compounding with Tables (FINRA Inve
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Retirement Savings Vehicles (FINRA
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In most cases, you roll over a trad
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Activity 2: Savings Goals Worksheet
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Investing Quiz 1. Which of the foll
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Investing Quiz - Answers 1. Correct
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Making your First Investments http:
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V. Credit Overview of Credit What i
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What Is a Credit Report? (from FDIC
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How the Credit Report Is Used (from
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How to Get Your Free Annual Credit
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Credit Cards: What Are They Used Fo
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Credit Card Comparison Chart (from
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ACCOUNT ACTIVITY Date of Transactio
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Activity 1: Maria’s Credit Report
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Activity 3: Who Poses the Most Cred
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Credit Terms and Definitions Bankru
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8. All of the following appear on y
Page 104 and 105: VI. Borrowing Basics Types of Loans
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Page 108 and 109: To Rent or To Own? (from FDIC Money
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Page 114 and 115: Note: Make sure you compare loan of
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Page 118 and 119: Borrowing Basics Quiz 1. Which of t
Page 120 and 121: Answers for Borrowing Basics Quiz 1
Page 122 and 123: VII. Life Skills Menu Planning Work
Page 124 and 125: Grocery Shopping Tips 1. Clean out
Page 126 and 127: Computer Terms and Definitions Comp
Page 128 and 129: Housing Terms and Definitions Appli
Page 130 and 131: 8. According to the 2010 Consumer E
Page 132 and 133: VIII. Glossary Glossary (excerpted
Page 134 and 135: Compounding: Interest paid on money
Page 136 and 137: Interest: A percentage of your bala
Page 138 and 139: Stocks: Parts of a company, called
Page 140 and 141: IX. Recommend Resources Bibliograph
Page 142 and 143: Careers and Life Skills Bostick, Na
Page 144 and 145: Heath, Julia A. Personal finance es
Page 146 and 147: Debt information for teens: tips fo
Page 148 and 149: Tutor/Teacher Cordell, Jane. Cambri
Page 150 and 151: Newton Free Library Financial Educa
Page 152 and 153: I. Learning English Online Resource
Page 156 and 157: American Consumer Credit Counseling
Page 158 and 159: Nationwide Resources (from American
Page 160: This publication is made possible b
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