New PowerPoint Presentation for You

Should include the following:

o Monthly Spending Budget
o Emergency Savings
o Flexible Spending Account
o Debt Elimination Plan
o Disability Insurance
o Retirement Savings Plan
o Will and Power of Attorney

Did you know that this number determines:

* How much you can borrow.
* Your interest rate on loans.
* If you qualify for an increase in credit line.
* If you are approved to rent.
* Home and car insurance rates.
* In some cases, such as federal jobs or careers with financial institutions, it can determine whether are not you are hired.

What’s in a number?

* Credit scores fall between 500 and 800 points.
* 700 and higher tends to get you the best rates.
* The mathematical formula used is strictly guarded, but most people in finance agree on several concepts that seem to affect your score.

Pay your bills on time

* Late payments can drop your score 20 points, the more frequent the missed payments, the lower it drops.
* Late payments can increase interest rates up to 29%. Contact credit card companies about grace periods or paying by phone if you realize that you are late.
* Late payments stay on your report for 7 years, but will mean less the longer you go without being late.

Minimize inquiries about your credit score

* Don’t accept every offer for store credit because each application generates an inquiry about your credit score.
* Multiple requests from credit agencies suggest that you may be hurting for money and, as a result, can negatively affect your credit score.
* If you are going to open up a new credit line to take advantage of their savings, restrict it to big purchases so you are getting the most out of the savings and not hurting your credit score by saving a few dollars on a pair of pants (Note: closing the account immediately after the purchase does not fix the problem).

This Ebook Free Credit Report can be direct download by follow this link information from original source at this site manual book A Healthy Financial Picture.ppt We found this online ppt manual from google search engine that can be found from this site personnel.ky.gov. This PPT 1.15 Mb and available in English Language

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