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Credit & Loans will teach students value information about avoiding or correcting credit problems. The student will learn about credit histories and ratings and be able to identify the bureaus which report these scores. The DVD discusses consequences of bad credit, as well as factors to improve a credit score. Furthermore, the student will be able to identify the basic types of loans and their components, in addition to loan terms and consequences for not properly following the terms. Students will also be able to calculate the total cost of a loan.
This DVD will teach students the basics of credit through identifying the components of credit, as well as the pros and cons of using credit. Students will learn the cost of credit and how to maintain creditworthiness, borrow at favorable terms and manage debt. The production discusses the steps of a credit card transaction. The DVD then teaches the student to reconcile a monthly statement, step-by-step, as well as discusses the various fees one might incur during a billing cycle.
Being organized is the first step to financial literacy. This DVD provides students with a detailed filing system for personal information and the benefits of using a spending plan for saving and spending. Expenses, such as fixed, variable and discretionary are discussed in addition to terminology including "in-the-black" and "in-the-red." Students will learn the main sections of a personal net worth statement. This DVD also discusses the importance of setting goals and plans of action, in regards to saving and spending.
Getting Started provides the student with an in depth understanding of how to create a financial foundation. Lessons on how to implement a spending plan to what to consider when choosing a bank are included. A lesson about online and mobile banking is included, along with the risks and conveniences involved in each. Furthermore, students will lean the importance of reconciling and account monthly instead of relying solely on information from the bank. This DVD is the perfect tool for getting started.
This DVD identifies the basic components and steps of becoming a home owner, beginning with the basics from finding a home to fit one's needs, to walking step-by-step through the closing. Homeownership discusses the financial advantages of owning over renting, as well as the disadvantages. Students will also become familiar with basic terminology, such as escrow, points, interest, mortgage, etc. Students will also learn what potential lenders consider when examining someone's financial picture, expenses home owners are responsbile for and the advantages of working with a realtor when buying a home.
Insurance will provide students with a solid foundation on which to identify the basics of various types of insurance. The DVD discusses life insurance and health insurance along with property and auto insurance. Students will learn the importance of property and liability insurance protection and the factors which increase or reduce customers' premiums. The DVD also discusses what to do in the event an accident occurs on their own or someone else's property.
In this lesson, students will learn the basics of investing. Various types of investment accounts are identified including certificates of deposit, stocks, bonds and mutual funds. Investing will teach students how investing builds wealth and helps one meet their financial goals. The DVD also discusses the benefits of a diversified investment portfolio, while also explaining why games of chance are not good investments for which to build wealth.
Fiancial Literacy: Loans & Debt will teach students valuable information about avoiding or correcting credit problems. The DVD discusses consequences of bad credit and factors to improve credit score. Furthermore, the student will be able to identify the basic types of loans and its components, in addition to loan terms and consequences for not properly following the terms. Students will also be able to calculate the total cost of a loan.
Personal Finance Basics provides the student with an in depth understanding of how to create a financial foundation. Lessons regarding the act of opening a new account, as well as an accompanying project are included. Furtermore, students will learn the importance of reconciling an account monthly instead of relying solely on information from the bank. This DVD is the perfect tool for getting started.
In this lesson, students will discover the basics of retirement and estate plannings, as well as become familiar with various terminology. The DVD examines how saving contributes to financial well-being, in addition to the importance of drafting a will, living will and durable power of attorney. The lesson also provides an overview of individual retirement accounts and 401K plans.
Savings, Loans and Investments will give students the basic foundation for understanding everything necessary to save and invest wisely. From learning the basics of savings to the basics of homeownership, students will be able to explain how investing builds wealth and helps meet financial goals, as well as evaluate investment alternatives. The DVD also discusses the basic types of cost of loans, in addition to credit ratings and how they are figured to give students an understanding of factors considered when investing or applying for a mortgage or other types of loans.
Filing federal tax returns is an integral part of financial literacy. Because anyone with an income is required to file one every year, it is important for students to understand the basics of such tasks. In this DVD, students will learn the basic components of filing a tax return and be able to identify each section. A detailed overview of each section is included, as well as examples of comparisons of standard versus itemized deductions.
Learning the basics of the federal tax system is a necessity when doing such things as shopping or calculating how much you will earn during your next pay period. In this DVD, the student will learn the basics of taxes as well as how take-home-pay is calculated and be able to identify the difference between sales and income tax. The DVD acts as a sit-down interview with banking industry professionals, giving the student the opportunity to understand how and why some taxes are taken out of a paycheck or collected by certain levels of government. Students will understand all items withheld from gross pay and the effect the W-4 has on an employee's take-home-pay. Government programs, such as Social Security and Medicare are also discussed.