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10 Smart Money Moves You Can Make

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J
jlushene
Economy & Finance
1 of 41
10 Smart Money Moves Department of Financial Institutions ( www.dfi.wa.gov )
Jeremy Lushene [email_address]
Move 1: Create A Financial Plan
Think… Where Do You Want Your Money To Go? ,[object Object],[object Object],[object Object],[object Object]
Now Set Those Goals ,[object Object],[object Object],[object Object]
SMART Goals Only ,[object Object],[object Object],[object Object],[object Object],[object Object]
So, How Do You Start? ,[object Object]
Move 2: Choose The Right Products
Think About This… ,[object Object],[object Object],[object Object],[object Object],[object Object]
Research Products ,[object Object],[object Object],[object Object],[object Object],[object Object]
How to Research ,[object Object],[object Object],[object Object]
Who Can Help ,[object Object],[object Object],[object Object],[object Object]
Move 3: Save For A Rainy Day
Emergency Savings ,[object Object],[object Object]
How Much Do I Need? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Where To Store Emergency Money ,[object Object],[object Object],[object Object],[object Object],[object Object]
Move 4: Check Backgrounds Of Financial Professionals
Who To Check With ,[object Object],[object Object],[object Object]
Move 5: Use Credit Wisely
Who Looks At Your Credit These Days? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Who Stores Your Credit Information? 3 Major Credit Bureaus Monitor You 1) TransUnion 2) Equifax 3) Experian
FICO Scores Developed By Fair Isaac Corporation Used By Majority Of Lenders Score For Each Of 3 Credit Bureaus 750-850 Excellent 700-749 Very good 650-699 Good credit 600-650 Fair 550-600 Poor
How You’re Scored Payment History 35% Amounts Owed 30% Types Of Credit 10% New Credit 10% Length Of History 15%
Avoiding Credit Trouble ,[object Object],[object Object],[object Object],[object Object],[object Object]
Move 6: Review Important Financial Documents
Your To Do List ,[object Object],[object Object],[object Object],[object Object]
To Do List Continued… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Move 7: Protect Your Finances and Identity
1 In 5 Washington Residents Victim Of ID Theft In Past 5 Years Identity Theft 911 Report, 2007
Tactics ID Thieves Use ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
How To Protect Yourself ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Warning Signs You’re A Victim Denied Credit Unexpected Bill Bills Stop Arriving Fraudulent Charges Credit Cards Show Up
Move 8: Stay Up To Speed On Latest Scams
The Latest Scams ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
More Information On Scams ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Move 9: Take Advantage Of Free Resources
Free Resources ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Move 10: Know Where To Get Help
Help ,[object Object],[object Object],[object Object],[object Object]
More Help ,[object Object],[object Object],[object Object]
Questions? Jeremy Lushene [email_address] (360) 902-0506 dfi.wa.gov

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10 Smart Money Moves You Can Make

  • 1. 10 Smart Money Moves Department of Financial Institutions ( www.dfi.wa.gov )
  • 3. Move 1: Create A Financial Plan
  • 4.
  • 5.
  • 6.
  • 7.
  • 8. Move 2: Choose The Right Products
  • 9.
  • 10.
  • 11.
  • 12.
  • 13. Move 3: Save For A Rainy Day
  • 14.
  • 15.
  • 16.
  • 17. Move 4: Check Backgrounds Of Financial Professionals
  • 18.
  • 19. Move 5: Use Credit Wisely
  • 20.
  • 21. Who Stores Your Credit Information? 3 Major Credit Bureaus Monitor You 1) TransUnion 2) Equifax 3) Experian
  • 22. FICO Scores Developed By Fair Isaac Corporation Used By Majority Of Lenders Score For Each Of 3 Credit Bureaus 750-850 Excellent 700-749 Very good 650-699 Good credit 600-650 Fair 550-600 Poor
  • 23. How You’re Scored Payment History 35% Amounts Owed 30% Types Of Credit 10% New Credit 10% Length Of History 15%
  • 24.
  • 25. Move 6: Review Important Financial Documents
  • 26.
  • 27.
  • 28. Move 7: Protect Your Finances and Identity
  • 29. 1 In 5 Washington Residents Victim Of ID Theft In Past 5 Years Identity Theft 911 Report, 2007
  • 30.
  • 31.
  • 32. Warning Signs You’re A Victim Denied Credit Unexpected Bill Bills Stop Arriving Fraudulent Charges Credit Cards Show Up
  • 33. Move 8: Stay Up To Speed On Latest Scams
  • 34.
  • 35.
  • 36. Move 9: Take Advantage Of Free Resources
  • 37.
  • 38. Move 10: Know Where To Get Help
  • 39.
  • 40.
  • 41. Questions? Jeremy Lushene [email_address] (360) 902-0506 dfi.wa.gov