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Table of contents
Checking Account Basics
SAVING, SPENDING, AND CREDIT
Managing and Protecting Your Credit Card
OPTIONS FOR KEEPING YOUR HOME
Shopping For a Home Loan
MONEY TALKS
AVOIDING FORECLOSURE SCAMS
TAKING STOCK
Welcome to the final Ready, Set, Drive module.
Setting Up a Personal Budget
REVERSE MORTGAGE BASICS
ADVICE TO PARENTS
INVESTING IN YOUR FUTURE
Shopping for a Credit Card
CHECKING ACCOUNT MANAGEMENT
How To Protect Yourself
LIFE CHOICE SCAMS
Preparing for Home Ownership
Buying Your Home
SHOPPING FOR YOUR CAR
MANAGING YOUR STUDENT LOANS
Financial Fitness Quiz
What's Your Credit Score?
Credit Moves
Credit Card Basics
Managing and Protecting Your Account
FINANCIAL SCAMS
FINANCIAL FIRST STEPS
Finding the Right Home (1)
Introduction
AVOIDING REVERSE MORTGAGE SCAMS
Deposits and Withdrawals
BEFORE YOU BUY A CAR
Managing Your Budget
MAKING YOUR MOVE
SMART MONEY STRATEGIES
FINANCING YOUR DREAM
HOW SCAMS WORK
How to Manage Identity Theft
HOW HECMS WORK
Have you ever received a late notice for an unfamiliar loan or account?
Unsecured Credit Cards
After Graduation, What's Next?
Employment Scams that Work You Over
How Homes Are Priced
The Advantages of Homeownership
Major Public Student Loan Programs
How Your Credit Affects Buying a Car
Chapter One: Essentials of Checking Accounts
Which of These Actions Could Cause You to Become an ID Theft Victim?
What Is Credit?
Which Of These Is Likely to Damage Your Account Standing?
What Is a Credit Score?
How Student Loans Affect Your Future
Predatory Loan Practices
What Is the First Step to Cashing or Depositing a Check?
Starting Your Home Search
Why Scammers Target Seniors
Are You Ready to Own a Car?
Maintaining a Balanced Budget
Tough Financial Decisions
Money = Power + Prospects
Finding Free Money First
How Often Do Scams Take Place?
What Is Identity Theft?
Savings = Financial Security
Foreclosure Basics
What Is a HECM?
Why It's Important to Use Credit Wisely
What Is a Mortgage Banker?
Why Couples Don’t Talk About Money
Beware of Foreclosure Scams
Where Do You Go to Get a Checking Account?
Why Save for Retirement?
Why Become Money Smart?
Protecting Yourself, Your Car, and Others
What Is a Personal Budget?
What Is a Reverse Mortgage?
What Is the First Step to Good Account Management?
The Most Popular Credit Scoring System
First Things First
What Does a Restrictive Endorsement Do?
The Truth about Credit Repair
Which Car Is Right for You?
Finding Ways to Get Ahead
How Scammers Find and Hook Victims
Three Types of Financial Goals
Other Ways to Reduce College Costs
Factors that May Affect Your Search
Working Your Way Through
Savings Regularly Leads to BIG Results
Dealing with Your Lender
The Power of Compounding
How Much Does Consumer Fraud Cost?
What’s Your Money Style?
How Scammers Target Their Victims
Chapter Two: Writing Checks
Do You Carry Your Social Security Number in Your Purse or Wallet?
Who Is Eligible for a HECM?
Good Credit Card Practices
What Is a Mortgage Broker?
Life Stages and Changes
What Are the Benefits of Having a Checking Account?
What Is the Deductible?
Who Is Eligible for a Reverse Mortgage?
The Benefits of Budgeting
Health Care Scam Tactics
General-Purpose Credit Cards
First Things First
Offer and Earnest Money Basics
How Often Does Identity Theft Occur in the U.S.?
More About PLUS, Perkins, & Private Loans
Your Homeownership Responsibilities
How to Improve Your Credit Score
Secured vs. Unsecured Credit
A Second Look at Student Loans
How Purchase Contracts Work
Make a Financial Assessment
Student Loan Payment Contacts
What's one of the first things you should do if you suspect someone has stolen your identity?
Car Financing Terminology
One Major Credit Card Advantage
Why Is It Important to Review Your Monthly Account Statement?
What Score is Acceptable to Lenders?
Budgeting Basics
When Do You Use a Special Endorsement?
Debt Settlement Scam Tactics
Equity Theft Schemes
Identifying Needs and Wants
Location, Location, Location
Chapter Three: Making a Deposit
Ways to Increase Your Income
At Home, Do Other People Have Access to You Bank Records or Bills?
The Cost of Living On Campus
Making Goals Work for You
Looking at Student Loans
Which Scams Are Most Common?
How to Increase Your Income
Confronting the Problem
Where Can You Put Your Savings?
HECM Property Value and Other Criteria
When to Use Your Credit Card
The FHA Mortgage Program
Open Communication = Understanding
Phony Counseling or Phantom Help
Making a Financial Assessment
How Safe Is the Money You Deposit in a Checking Account?
The Price of Auto Insurance
How Can Identity Theft Affect You?
Reverse Mortgage Debt and Home Equity
What's In Your Credit Report?
What Is a Balanced Budget?
Store, Premium, and Charge Cards
The Hidden Costs of Health Care Fraud
How Scam Artists Operate
What Checking Account Is Best for You?
Budgeting - Your Financial Game Plan
Major Public Student Loans
Credit Card Payment Practices
The VA Mortgage Program
Building a Financial Partnership
The Forensic Audit Scam
Calculating Your Monthly Income
If you suspect identity theft, what else should you do right away?
HECM Payment Plans
What’s Your Net Worth?
More Ways to Save on Auto Insurance
Ways to Reduce Your Expenses
Evaluating Your Finances
Who else needs to be notified if you think you are a victim of identity theft?
Career Counseling 101
How Home Ownership Works
Affinity, Secured, and Student Credit Cards
Save As Much As You Can
Stepping Up Your CDs
Purchase Contract Disclosure Notices
How to Combat Health Care Fraud
Where to Go for Financing?
Chapter Four: Maintaining Your Checking Account
When You Go on Vacation, Do You Ask the Post Office To Hold Your Mail?
How FICO Calculates Your Credit Score
When Grace Periods End
Big Promises = Bigger Losses
Further Credit Card Advantages
What May Cause Your Record to Differ From the Bank's Record?
Time to Choose a Real Estate Agent
Making Decisions that Work
Investment Fraud Strategies
How Do You Deposit a Check?
Next Stop - Reviewing Your Budget
Types of Information that Identity Thieves Steal
Ways to Reduce Your Expenses
How Long Does Information Stay on Your Credit Report?
Campus vs. Off-Campus Housing
Finance Companies and Subprime Loans
Credit Card Disadvantages
How Do You Balance Your Checkbook? (1)
Other Factors that Affect Your FICO Credit Score
If You're Short on Cash
How Does Direct Deposit Work?
Think Before You Deposit
Foreclosure Rescue Fraud
If You're Short on Money
Now's the Time to Save
Keeping Your Budget Balanced
More About PLUS, Perkins, & Private Loans
The Real Estate Agent's Role
Frugal Food Choices
Saving through Direct Deposit
Calculating Your Home Equity
Money Market Account Options
Who Is Likely to Become a Victim?
Family Finance 101
Rent-to-Buy Tactics
HECM Loan Costs
How Many Cards Does It Pay to Have?
How Fixed-Rate Mortgages Work
Chapter Five: Tips for Protecting Your Checking Account
Do You Throw Away Junk Mail Offers without Reading Them?
Where Does Your Money Go?
What Info Will You Need to Provide to Open a Checking Account?
How to Avoid Warranty Issues
Reverse Mortgage Financing Fees
Three Major Types of Expenses
Credit Cards vs. Debit Cards
Who can look at your credit report? (1)
Recognizing Online Prescription Scams
Firsthand Job Experience
Purchase Contract Contingencies
Deferment and Forbearance
Request and Review Your Credit Report
How Do Identity Thieves Use the Information They Steal?
Negotiating the Best Deal
Which of These Is the Most Common Form of ID Theft Reported?
The Truth In Lending Act
How do you balance your checkbook? (2)
How to Improve Your Credit Score
Successful Job Strategies
What Do You Need Before Making a Deposit at an ATM Machine?
When It Doesn’t Pay to Give
“Free Homes” for Seniors
How Car Financing Affects Your Choices
Saving through Direct Deposit
Why is it necessary to file a complaint with the FTC?
How to Get Ahead Financially
Comparing Student Loan Features
How to Deal With your Realtor
Going Green on Transportation
Credit Rating = Your Door to Opportunity
Traditional Modification
Before You Select a Savings Plan
Warning Signs for Older Adults
Teaching Through Allowance
Equity-Skimming Scam
More About HECM MIP
Credit Card Practices to Avoid
How Adjustable-Rate Mortgages Work
Goals = A Gateway to the Future
What Should You Do Before Opening a Checking Account?
Choosing a Qualified Mechanic
Dealing with Outside Debt
Do You Frequently Shop or Conduct Business Online?
Variable and Periodic Expenses
Harmful Health Supplements
Annual Percentage Rate or "APR"
When Grads Return Home
The Property Appraisal
Standard Repayment Plan
What If You Find An Error On Your Credit Report?
Maintenance Magic
Calculating Your Monthly Expenses
Making Your Dreams Come True
Government-Sponsored Savings Programs
How Does Identity Theft Happen?
How Much Money Can You Receive?
Focus on Finance
The Grace Period
If You Hope to Buy or Refinance
Request and Review Your Credit Score
How the Home Inspection Works
Negotiating the Best Deal
Graduated & Extended Repayment Options
What happens if you promptly report fraudulent credit card charges?
Identity Theft and Your Credit Score
The Equal Credit Opportunity Act
If Someone Steals From Your Account, Who Is Responsible?
Congratulations - You Have Just Won!
Jump Starting Your Career
Finding the Right Home (2)
False Document Scams
When Is the Money From a Check You Deposit Available for Use?
Your Credit Report and You
Saving Regularly Leads to Big Results
How Often Do You Review Your Credit Reports?
Reducing Textbook Costs
Preparing for Independence
Deferment and Forbearance
Scams that Target Immigrants
What Is Your Credit Report?
The Home Affordable Modification Program (HAMP)
HECM Repayment Guidelines
What Is ChexSystems?
Understanding Your Credit Card Statement
Interest-Only Loans
Where Does Money Really Grow?
Bait-and-Switch Scam
More About Your Credit Score
Standard vs. Saver Loans
What About Your Old Car?
Which of These Statements Is True?
The Fair Credit Billing Act
When You Leave Home, What Should You Take?
How to Make a Bad Credit Score Better
When the Going Gets Tough
What Is a Debit or Check Card?
Keeping Yourself Safe and Secure
How to Avoid Falling Victim
Saving for Your Dream Car
Three Types of Financial Goals
Do the same rules apply for unauthorized check card and ATM charges?
Taking It to the Bank
Standard Repayment Plan
Across the Digital Divide
What Is Your Credit Score?
Forbearance As An Option
Saving vs. Investing
Telemarketing Scam Precautions
Everyday Occasions = Teaching Opportunities
FTC MARS Rule Consumer Rights
What to Do If You Over Charge
Choosing a Loan Provider (1)
Budgeting - How to Keep It Real
When You Open a Checking Account, What Happens Next?
Saving on Gas While Driving
How Are Reverse Mortgages Repaid?
How Can You Protect Your Child's Future?
Preparing Your Budget
Credit Card Fees
Worried about Foreclosure?
Parting Thoughts
Common Home Inspection Tests
Income-Contingent Repayment Option
Credit Card Perks
Home Improvement Nightmares
Home Warranty Plan Pros and Cons
What's Your Credit Score?
Income-Sensitive & Income-Based Repayment
How Can You Insure That You Will Never Fall Victim to Identity Theft?
Before You Sign on the Dotted Line
The Fair and Accurate Credit Transactions Act
How Can You Protect Your Checking Account at Home?
Can a Credit Repair Company Help Improve Your Credit Score?
Looking at Student Loans
What Are Three Common Types of Checks?
What is the ID Theft Affidavit?
If You Get Scammed
Pros and Cons of Buying a New Car
Intermediate and Long-Term Savings Goals
How long does it take to restore your credit once you've been a victim of identity theft?
Handling Peer Pressure
Advice for Parents Quiz
Common Checking Account Practices
Other Common Repayment Options
Steer Clear of Internet Fraud
Annual Percentage Rate or “APR”
The Repayment Plan Option
Protecting Your Credit Card at Home
Choosing a Loan Provider (2)
When Families Face Financial Crisis
Information Disclosure Rule
Weighing Investment Choices
What About ID Theft Insurance?
Staying on Track
Saving at the Pump and Beyond
What You and Your Heirs Can Expect
Ways to Manage Your Account
Income-Based Repayment
Online Credit Card Protection
More Mortgage Application Dos and Don'ts
Lending a Helping Hand
How the MARS Rule Affects Attorneys
If Financial Challenges Arise
Other Ways to Save on Car Expenses
The Grace Period
Traditional Refinancing
Reverse Mortgage Advantages
How to Choose a Credit Card
What Is a Bond?
Before You Close On Your Home
Your Money or Your Life
The Truth in Lending Act
What About Loan Consolidation?
HECM For Purchase Loan Eligibility
The CARD Act of 2010
When Is It Best to Provide Your Checking Account Number?
Understanding Reverse Mortgages Quiz
Who Owns Your Student Loan?
For Purchase Loan Closing Costs
Which Info Does It Make Sense to Have Printed on Personal Checks?
Pros and Cons of Buying a Used Car
What's Your Credit Score? Quiz
How to Set Goals that Work
Financial Danger Signs
But After All This Effort, What If I Still Fall Prey to Identity Theft?
Email Pitfalls to Avoid
Identity Theft Quiz
Reverse Mortgage Disadvantages
HECM Counseling Overview
Finding Credit Card Offers
Funeral Plans and Scams
Guess What? You're A Homeowner!
The Consumer Leasing Act
Forgiveness or Cancellation
How the CARD Act Affects Young Adults
What Other Precautions Can You Take to Keep Your Account Safe?
Before Repayment Starts
How Do You Fill Out a Check Correctly?
Leasing vs. Buying
How to Achieve Financial Goals
Keeping Your ID Safe at School
Saving Money on a Shoestring
Forgiveness or Cancellation
Fraudulent Advertising Practices
Credit Card Fees
Home Affordable Refinance Program Loans (HARP)
Credit Card Protection for When You Go Out
Mortgage Prequalification vs. Preapproval
Learn to Communicate
How to Tell If an Attorney Is for Real
Ready, Set, Drive! Quiz
What Is a Stock?
Establishing a Digital or Paper Trail
Don't Get Scammed Quiz
Door-to-Door Deception
Affording College and Beyond Quiz
Becoming Credit Worthy
Before You Sign
Mortgage Preapproval Benefits
Locate Financial Records
Danger Signs
Selecting A Credit Card Quiz
Setting Up a Safe System
Credit Card Perks
Reinstatement - Easy But Hard
Personal Budget/Managing Your Budget Quiz
The Reverse Mortgage Loan Process
Buying and Selling Stocks
State Lemon Laws
How Default May Affect You
How Can You Safeguard Your Online Checking Account?
Preparing For Homeownership Quiz
Choosing a Housing Counselor
When Writing a Check, Which of These Practices Makes Sense?
Checking Account Management Quiz
The CARD Act of 2010
What Happens If You Default?
Help Make Life Decisions
Where to Get Reputable Help
Selecting the Right Credit Card
Bankruptcy - The Final Resort
What Are Mutual Funds?
A Single Second Chance
What Online Checking Account Options Are Available?
Bankruptcy or Better
Shopping for a Credit Card
Why Bankruptcy Doesn’t Work
Smart Credit Card Strategies
Choosing Not to Keep Your Home
Reviewing a Mutual Fund Prospectus
Prepare for the Long Term
What If You Fall Victim?
Dealing with Student Loans
The Short Sale Option
How Much Will You Need for Retirement?
Women's Wealth Quiz
Payment Strategies that Work
Preventing Foreclosure Quiz
Shrewd Credit Card Moves
Payment Strategies that Work
Employer-Provided Retirement Plans
Managing Student Loans Quiz
Staying Safe
Taking Action
Traditional and Roth IRAs
What to Expect from Social Security
Choosing a Financial Planner