Personal Finance presentation, five C’s of credit collateral, prepare to get financially fit by practicing personal finance. First, we’re going to take a step back and look at the five C’s of credit common things that lenders will be taking a look at when assessing credit common things that we would want to take a look at in order to assess our own credit situation, then we’ll be focusing in on the particular sea of collateral for this particular presentation. In prior presentations, we looked at the seas of credit history and capacity.

(more…)

Personal Finance presentation equal credit Opportunity Act, the EC o A, prepared to get financially fit by practicing personal finance equal credit Opportunity Act, the EC o A, the Federal Trade Commission FTC, the nation’s consumer protection agency enforces the equal credit Opportunity Act, the EC o A, which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status age, or because you get public assistance.

(more…)

Personal Finance presentation, five C’s of credit conditions prepared to get financially fit by practicing personal finance. First, we will take a step back looking at the five C’s of credit common things that lenders will be taking a look at when assessing whether or not to give a loan or financing. Then we’ll zoom on to specific set of conditions for this presentation. So the five C’s of credit. These ones are the items we’ve seen in prior presentations, which include credit history, capacity, collateral, capital, now we’re looking at conditions.

(more…)

Personal Finance, presentation, cost of credit, prepare to get financially fit by practicing personal finance. When thinking about the cost of credit, the cost of taking out a loan or the cost of personal financing two terms we want to keep in mind is the finance charge and the annual percentage rate or APR. First, starting with the finance charge, this is going to be a term which we will define as the total dollar amount you pay to use credit, it will include then the costs of credit the costs of using the money or taking out a loan, having the purchasing power in advance, that includes interest.

(more…)

Personal Finance presentation options if denied credit, prepare to get financially fit by practicing personal finance. We’re now thinking about a situation in which were denied credit. So in other words, we look for a loan, we look for financing from a financial institution, we’re denied the loan or financing, what are the options at that point in time.

(more…)

Personal Finance presentation, interest calculation methods prepare to get financially fit by practicing personal finance, interest calculation methods, these will just be broad categories of general interest calculation methods given us concepts that we want to be keeping in mind when we’re thinking about financing, when we’re thinking about loan options, they make a lot more sense when we work practice problems, and we get the concepts down much better.

(more…)

Personal Finance, presentation, loan components and trade offs. Prepare to get financially fit by practicing personal finance, loan trade offs. When we’re thinking about our financing options. When we’re thinking about picking up a loan from a financial institution, we want to know what the basic trade offs are, what are options can be in a general format. To do so it’s often useful to look at the basic components of the loan itself.

(more…)

Personal Finance, practice problem, credit and what to do if identity is stolen, prepare to get financially fit by practicing personal finance, what to do if identity is stolen with regards to credit, there’s two major categories, I would want to keep in mind, we would be keeping in mind that we want to make sure that no current charges or more charges are being made on our behalf. And that no changes or further changes are happening with regards to our stolen identity.

(more…)

Personal Finance, presentation, credit, billing error and disputes, prepare to get financially fit by practicing personal finance, credit, billing error and disputes. So in other words, what do we do or what should the process be if we have a dispute if we think there’s an error of some kind, with our credit being processed possibly through the credit card, in other words, something’s being charged to us. And we think there’s an error with it process could be notify creditor of error in writing within 60 days.

(more…)

Personal Finance presentation, co signing a loan that prepare to get financially fit by practicing personal finance, co signing a loan. So the general scenario with regards to co signing a loan is that you have person a person a trying to get a loan from a bank or some other type of financial institution, that financial institution wanting to make money through providing the loan through the interest they would generate from it,

(more…)