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FINANCIAL MANAGEMENT

FINANCIAL MANAGEMENT. 29 AUG 05 OC CARUSO. OVERVIEW. BUDGETS CREDIT CARDS IDENTITY THEFT. IMPORTANT FINANCIAL TOPICS FOR NEW COLLEGE STUDENTS. BUDGETS. WHAT YOU’RE GETTING DON’T FORGET TAXES WHAT YOUR BILLS ARE MAKE A LIST OF RECURRING BILLS HOW MUCH EACH BILL REQUIRES SHOOT HIGH!

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FINANCIAL MANAGEMENT

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  1. FINANCIAL MANAGEMENT 29 AUG 05 OC CARUSO

  2. OVERVIEW • BUDGETS • CREDIT CARDS • IDENTITY THEFT IMPORTANT FINANCIAL TOPICS FOR NEW COLLEGE STUDENTS

  3. BUDGETS • WHAT YOU’RE GETTING • DON’T FORGET TAXES • WHAT YOUR BILLS ARE • MAKE A LIST OF RECURRING BILLS • HOW MUCH EACH BILL REQUIRES • SHOOT HIGH! • MAKE IT FIT!! FIGURE OUT:

  4. BEWARE: PITFALLS!! • FOOD • PARTYING • BEER (IF YOU’RE 21…DIFFERENT BRIEF) • COVERCHARGES • ENTERTAINMENT • MOVIES • VIDEOGAMES

  5. CREDIT CARDS • NOT FREE MONEY!!! • VISA WANTS YOU! • TARGETS COLLEGE STUDENTS • NEW FINANCIAL INDEPENDENCE • INTEREST RATES • HIDDEN CHARGES

  6. Introduction • While you probably can’t prevent identity theft entirely, you can minimize your risk • By managing your personal information wisely, cautiously, and with an awareness of the issue, you can help guard against identity theft

  7. Manage Your Personal Information • Order a copy of your credit report from each of the three major credit bureaus • Place passwords on your credit card, bank, and phone accounts • Secure personal information in your home • Ask about information security procedures in your workplace

  8. Maintain Vigilance • Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with • Guard your mail and trash from theft • Before revealing identifying information, ask how it will be used and secured and if it will be shared with others

  9. Maintain Vigilance Continued • Don’t carry your SSN card; leave it in a secure place • Limit the identification information and the number of credit/debit cards that you carry • Keep your purse and wallet in a safe place at work

  10. Consider Your Computer • Update virus protection software regularly • Don’t download files or click on hyperlinks from strangers • Use a firewall • Use a secure browser

  11. Consider Your Computer Continued • Do not store financial information on your laptop • Avoid using an automatic log-in feature • Delete any personal information stored on your computer before you dispose of it • Read web site privacy policies

  12. Social Security Numbers • If someone asks for your SSN, ask the following questions: • Why do you need my SSN? • How will my SSN be used? • What law requires me to give you my SSN? • What will happen if I don’t give you my SSN?

  13. WHEN ALL ELSE FAILS: CALL YOUR PARENTS!!

  14. QUESTIONS?

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