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8/13/2019 AmeriCorps CNCS Financial Literacy Presentation Start Up
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00
Gle`ekl`c Cltbr`kyKirc`ed B. Girrbstbr
kgirrbstbrFaolkgs.kia
8/13/2019 AmeriCorps CNCS Financial Literacy Presentation Start Up
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?
[bsslie Iombktlvbs• Nby ltbas th`t @abrlKirps jr`etbbs shiucd
kiesldbr ti=
• Dbvbcip bggbktlvb letbre`c kietrics> `ed
• Dikuabet a`tkh
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;
[bsslie Iutcleb• Letbre`c Kietrics
• Letbre`c kietrics `ed `udlt gledlejs
•
Zh`t @rb Letbre`c Kietrics• Vurpisb/Iombktlvbs ig Letbre`c Kietrics
• Dbglelej ` Jiid Letbre`c Kietric Bevlrieabet
•
Vrikbss Ti Bst`oclsh Let• Zrlttbe Viclklbs `ed Vri
• Bx`apcbs ig Nby Letbre`
@abrlKirps Jr`etbbs
bre`c Kietricskbdurbs
c Kietrics Bcbabet gir
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4
[bsslie Iutcleb• Dikuabetlej A`tkh
• A`tkh rbqulrbabets
•
Dikuabet`tlie o`slks• _bkirdlej Le-nled `ed W`culej Kietrloutlies
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2
Letbre`c Kietrics `ed @udlt Gledlejs• Typbs ig `udlt gledlejs
• @ qubstliebd kist th`t obkiabs ` dls`cciwbd kist ls ` vlic`tlie
ig ` privlslie ig c`w, rbjuc`tlie, kietr`kt, jr`et, kiipbr`tlvb`jrbbabet ir ithbr `jrbbabet ir dikuabet jivbrelej thb bxpbedlturbsig Gbdbr`c gueds.
• @ rbpirt`ocb kiedltlie le whlkh thb dbslje ir ipbr`tlie ig `e
letbre`c kietric dibs eit rbdukb, ti ` rbc`tlvbcy ciw cbvbc, thb rlsn th`tbrrirs ir lrrbjuc`rltlbs wiucd rbsuct le sljelglk`et ir a`tbrl`c lssubs
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Aist @udlt Gledlejs _bsuct Gria
Le`dbqu`tb Letbre`c Kietrics• Vitbetl`c lap`kts ig le`dbqu`tb letbre`c kietrics=
• @udlt gledlejs ‛ qubstliebd kists, a`tbrl`c wb`nebss
•
Gbdbr`c gueds a`y ob a`e`jbd le`ppriprl`tbcy• Guedlej siurkbs `rb mbip`rdlzbd
• Lekieslstbeklbs le pr`ktlkbs, prikbssbs, rbvlbws,
`ppriv`cs, rbsucts, dikuabet`tlie
•
Lebgglklbet usb ig tlab `ed rbsiurkbs• _bp`yabet ig dls`cciwbd ir ue`cciw`ocb kists
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Bx`apcbs ig @udlt Gledlejs Dub ti
Le`dbqu`tb Letbre`c Kietrics
:
Jbebr`c=
• C`tb suoalsslie ig gle`ekl`c rbpirts
• Alsslej ir qubstlie`ocb siurkb dikuabets
• Tlabshbbts/bv`cu`tlies eit sljebd ir d`tbd
@abrlKirps=
• Abaobr bcljlolclty ‛ dikuabets, rbkirds, glcbs
• Tlabshbbts hiurs die“t suppirt b`relej bduk`tlie `w`rd• Re`kkbpt`ocb mustlglk`tlie gir kh`ejbs a`db ti tlabshbbts
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Zh`t `rb Letbre`c Kietrics9• Irj`elz`tlie`c piclklbs, prikbdurbs,
prikbssbs, `ed systbas
• @ systba ig khbkns `ed o`c`ekbs• Kcb`r ldbetlglk`tlie `ed `ppriprl`tb sbp`r`tlie
ig `uthirltlbs, rbspieslolcltlbs, dutlbs
• Eit ` –irj`elz`tlie`c ourdbe,‑ out ` tiw`y ti iptlalzb `ed a`e`jb rbsiurkbs
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<
Vurpisb ig Letbre`c Kietrics• Laprivb `kkiuet`olclty ti kustiabrs (Gbdbr`c
Jivbreabet, KEK[, trustbbs, btk.)
• Hbcp irj`elz`tlie `khlbvb pbrgira`ekb `ed oudjbt
t`rjbts `ed ipbr`tb bgglklbetcy `ed bggbktlvbcy
• Hbcp besurb gle`ekl`c letbjrlty ig irj`elz`tlie `ed
rbcl`olclty ig gle`ekl`c rbpirtlej
•
Vrbvbet ciss ig rbsiurkbs, puoclk `ssbts `ed trust• Hbcp besurb kiapcl`ekb wlth c`ws, rbjuc`tlies,
rbqulrbabets
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Vurpisb ig Letbre`c Kietrics9 (kiet.)
06
• Hbcp besurb dbklslies, `ktlies `ed tr`es`ktlies `rb
`ppriprl`tbcy mustlglbd, rbvlbwbd, `pprivbd `ed
dikuabetbd• [uppirt bggbktlvb a`e`jbabet
• Hbcp alelalzb ippirtuelty gir w`stb, gr`ud `ed
alsa`e`jbabet
• Hbcp rbdukb cbj`c cl`olclty
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00
@ Jiid Kietric Bevlrieabet Lekcudbs
• Visltlvb –`taisphbrb‑ le thb wirn bevlrieabet
• Bxlstbekb ig ` kidb ig kiedukt `ed kidb ig bthlks
• Zrlttbe mio dbskrlptlies
• Tlabcy/`ppriprl`tb kiaauelk`tlies wlth Oi`rd
• Zrlttbe piclklbs ti hlrb, tr`le, priaitb `ed kiapbes`tbbapciybbs
•
[`gbju`rds gir bapciybbs rbc`tbd ti whlstcb-ociwlej• @ kcb`r kh`le ig kiaa`ed
• Kcb`r, wrlttbe dbcbj`tlies ig `uthirlty &rbspieslolcltlbs
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@ Jiid Kietric Bevlrieabet Lekcudbs (kiet.)
• Zrlttbe piclklbs, prikbdurbs `ed prikbssbs
• @dbqu`tb rbvlbw prikbss gir gle`ekl`c tr`es`ktlies,
gle`ekl`c rbpirts, oudjbts, btk.• @dbqu`tb k`sh a`e`jbabet prikbdurbs (b.j.,
aiethcy o`en rbkieklcl`tlies oy supbrvlsiry
pbrsieebc)
• [ystba ti tr`kn p`rtlklp`ets“ & bapciybbs“ `ktlvltlbs
• [ystba ti gicciw up ie priocbas ti besurb
rbsicutlie
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Vrikbss ti Bst`oclsh Letbre`c Kietric
Letbre`c Kietrics Vrikbss
Kykcb
0;
0. _bvlbw
Alsslie/Wlslie
[t`tbabet
?. [bt upirj`elz`tlie“s ji`cs
`ed iombktlvbs
;. Bst`oclshirj`elz`tlie“s piclklbs
`ed prikbdurbs
4. Dbslje kietrics
ti besurb piclklbs
`ed prikbdurbs `rb
gicciwbd
2. Bduk`tb pbrsieebc
ie piclklbs `ed
prikbdurbs
7. Aieltir letbre`c
kietric kiapcl`ekb
:. _bvlbw piclklbs,
prikbdurbs `ed
kietrics-aidlgy s
ebbdbd
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Zrlttbe Viclklbs & Vrikbdurbs ls bssbetl`c ti
bst`oclshlej Letbre`c Kietrics Obk`usb Thby=
• Bst`oclsh thb st`ed`rds gir thb irj`elz`tlie“sipbr`tlies
• Hbcp a`let`le legira`tlie th`t ls krukl`c ti
ipbr`tlies th`t wiucd ithbrwlsb rba`le lebapciybbs“ –hb`ds‑
• Hbcp irlbet ebw bapciybbs `ed suostltutbs lg thb`ppriprl`tb pbrsieebc `rb `osbet
• @sslst wlth kieslstbeky `ed kcb`r kiaauelk`tlie igbxpbkt`tlies
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02
Bx`apcbs ig Nby Viclklbs & Vrikbdurbs
• @uthirlz`tlies ig tr`es`ktlies
• V`yricc prikbdurbs
• K`sh rbkblpts prikbdurbs
• Vrikurbabet piclklbs• Tr`vbc rbjuc`tlies
[pbklglk Viclklbs Jivbrelej Gbdbr`c Gueds=• GG_ kiapcbtlie
• Dr`wdiwe ig Gbdbr`c gueds
• A`tkhlej rbqulrbabets
• Gle`ekl`c rbpirtlej
Oudjbtlej
_bkird rbtbetlie
Kiegclkt ig letbrbst
Tlabnbbplej
•
•
•
•
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0:
Mio Dbskrlptlie ‛ Nby Bcbabets
• Mio tltcb=
• _bpirts ti=
•
[upbrvlsbs=• O`slk guektlie=
• Dutlbs `ed rbspieslolcltlbs=
•
Pu`clglk`tlies=• Kc`sslglk`tlie=
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@kkiuetlej [ystbas ‛ Nby Bcbabets
• [ystba aust ob k`p`ocb ig=• Dlstlejulshlej jr`et vs. eie-jr`et rbc`tbd bxpbedlturbs
• Ldbetlgylej kists oy prijr`a yb`r
•
Ldbetlgylej kists oy oudjbt k`tbjiry• Dlggbrbetl`tlej obtwbbe dlrbkt `ed ledlrbkt kists
(`dalelstr`tlvb kists)
• A`let`les Gbdbr`c `ed eie-Gbdbr`c a`tkhlej guedssbp`r`tbcy gria jr`et gueds
• _bkirds le-nled kietrloutlie `s oith rbvbeubs `edbxpbesbs
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0<
Kh`rt ig @kkiuets ‛ Nby Bcbabets
• Euabrlk`c iutcleb ig `kkiuets (kidbs)
• E`rr`tlvb dbskrlptlie ig b`kh cleb ltba (iombkt kc`ss)
•
Eitb= spbkl`c `kkiuet kidbs shiucd ob krb`tbd titr`kn KEK[ guedbd `ktlvltlbs oy sbp`r`tb jr`et
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??
Dikuabetlej A`tkh
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?;
Vrimbkt Kists
Thb tit`c `cciw`ocb oudjbt ir bxpbedlturbs lekurrbd tiipbr`tb thb prijr`a `ed `kkiapclsh lts iombktlvbs ls dlvldbdleti ? sbktlies=
Gbdbr`c
[h`rb
Virtlie ig oudjbt ir bxpbedlturbs p`ldgir wlth Gbdbr`c gueds (KEK[)
Jr`etbb
[h`rb
`n`= a`tkh
Virtlie ig tit`c bxpbedlturbs eit p`ld
gir wlth KEK[ gueds
Gbdbr`c `ed Jr`etbb [h`rb gueds aust ob trb`tbd kieslstbetcy
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?4
Bx`alelej –Ivbr`cc A`tkh‑ _bqulrbabet
§ 42 KG_ ?2?0.76(`) ‛ _bjuc`tiry A`tkh=• Jr`etbbs aust abbt alelaua rbqulrbabets `s shiwe le t`ocb
obciw up ti 26% ivbr`cc a`tkh
•
$0 dicc`r gir bvbry KEK[ $0 - oy yb`r 06
\b`r
0
\b`r
?
\b`r
;
\b`r
4
\b`r
2
\b`r
7
\b`r
:
\b`r
8
\b`r
<
\b`r
06
Ivbr`ccAlelaua
[h`rb ?4% ?4% ?4% ?7% ;6% ;4% ;8% 4?% 47% 26%
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?2
[iurkbs ig A`tkh
K`sh
Kietrloutlies
• Kietrloutlies rbkblvbd oy k`sh, khbkn,bcbktrielk gueds tr`esgbr, krbdlt k`rd,ir p`yricc dbduktlie
Le-Nled
Kietrloutlies
• W cub ig eie-k`sh kietrloutlies privldbd oy eie-Gbdbr`c thlrd p`rtlbs
• A`y ob le thb gira ig rb`c pripbrty,bqulpabet, suppclbs, sbrvlkbs, `ed
ithbr bxpbed`ocb pripbrty
@pprivbd OudjbtA`tkh `aiuet `ed [iurkbs ig A`tkh
[iurkbs ig A`tkh Kh`ejbd [ljelglk`etcy Kiet`kt yiur Jr`ets Igglkbr
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?7
@kkbpt`ocb A`tkh ls . . .K`sh `ed le-nled kietrloutlies `rb `kkbptbd `s p`rt ig thb jr`etbb“s kistsh`rlej ir a`tkhlej whbe kietrloutlies abbt `cc ig thb gicciwlej krltbrl`=
• @rb vbrlgl`ocb gria thb jr`etbb's rbkirds
• @rb ebkbss`ry `ed rb`sie`ocb gir pripbr ed bgglklbet `kkiapclshabet ig primbkt ir prijr`a iombktlvbs
• @rb `cciw`ocb uedbr thb ppclk`ocb IAO kist prleklpcbs
• @rb eit p`ld oy thb Gbdbr`c Jivbreabet uedbr `eithbr `w`rd, bxkbpt whbrb`uthirlzbd oy Gbdbr`c st`tutb ti ob usbd gir kist sh`rlej ir a`tkhlej
• @rb privldbd gir le thb `pprivbd oudjbt
• Kiegira ti ithbr jr`et privlslies ir IAO Klrkuc`rs
@dalelstr`tlvb _bqulrbabets
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?:
Dikuabet`tlie O`slks
Zhy _bt`le Dikuabet`tlie9
• Ti tr`kn lekialej legira`tlie
• Ti rbvlbw legira`tlie
• Ti privldb hlstirlk`c bvldbekb
• Ti privldb bvldbekb ig `kkiapclshabets
• Ti prbp`rb gir `e `udlt
[bb H`ediut
Bst`oclsh ` wrlttbe rbkird rbtbetlie piclky
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?8
Gledlej A`tkhK`sh=• Die`tlies
• Cb`sbs, s`cb igjiids/sbrvlkbs
• Cik`c jivbreabets• [t`tb `ppriprl`tlies
• Giued`tlie jr`ets irkirpir`tb kietrloutlies
Le-Nled Kietrloutlies=W`cub ig die`tbd sbrvlkbs
`ed/ir die`tbd jiids
C`oir sp`kb vbhlkcbstr`lelej suppclbsbqulpabet sbrvlkbs
•
Jr`etbbs k`eeit usb ithbr Gbdbr`c gueds `s a`tkh
uecbss `pprivbd oy thb ithbr Gbdbr`c `jbeky
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?<
Bxkbptlie= Wicuetbbr A`tkh
Di eit kiuet `s a`tkh -
• Thb v`cub ig dlrbkt kiaauelty sbrvlkbs pbrgirabd oy vicuetbbrs
Di kiuet `s a`tkh -
• [brvlkbs th`t kietrloutb ti irj`elz`tlie`c guektlies
•Kiuet sbrvlkbs sukh `s `kkiuetlej, cbj`c, tr`lelejig st`gg ir abaobrs th`t `rb bcbabets ig thbjr`etbb“s kist `ccik`tlie pc`e
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;6
_bkirdlej Le-Nled Kietrloutlies• A`let`le `dbqu`tb dikuabet`tlie ti suppirt `aiuets kc`labd `s
a`tkh
• A`let`le s`ab dikuabet`tlie gir oith KEK[ Gbdbr`c sh`rb `ed girjr`etbb“s sh`rb
• Dikuabet`tlie aust abbt s`ab st`ed`rds `s ithbr bxpbedlturbswlthle irj`elz`tlie
• _bkird die`tlie `ed v`cu`tlie ig ltba le dbt`lc
• Betbr leti thb Jbebr`c Cbdjbr `s lekiab `ed bxpbedlturb
• G`lcurb ti betbr a`tkh kietrloutlies leti jbebr`c cbdjbr rbqulrbs `gira`c bxpc`e`tiry piclky `ed sbp`r`tb sprb`d shbbt `kkiuet`olclty igrbkblpt `ed usb
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;0
Zhy _bkird Le-Nled le thb Jbebr`c Cbdjbr9
[t`tbabet ig Gle`ekl`c @kkiuetlej [t`ed`rds
([G@[ #007) sbts thb st`ed`rd=
•
Kietrloutbd sbrvlkbs `rb rbkijelzbd le gle`ekl`cst`tbabets lg sbrvlkbs rbkblvbd=
• Krb`tb ir beh`ekb eie-gle`ekl`c `ssbts, ir
• _bqulrb spbkl`clzbd snlccs, `rb privldbd oy ledlvldu`cs pissbsslej thisb snlccs, `ed wiucd ebbd ti ob purkh`sbd
lg eit privldbd oy die`tlie.
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;?
_bkirdlej Le-Nled Kietrloutlies
Betbr leti thb Jbebr`c Cbdjbr `s lekiab `edbxpbedlturb=
Bx`apcb= @ cik`c p`let stirb die`tbs ` prigbsslie`c p`let spr`ybrwlth ` g`lr a`rnbt v`cub ig $226.66
$226.66 ‛ :?26 Le-Nled Bxpbesb @kkiuet (dbolt)
$226.66 ‛ 2?26 Le-Nled Lekiab @kkiuet (krbdlt)
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;;
W`culej Le-Nled Kietrloutlies
• Rsb g`lr a`rnbt prlkb
• Kiesldbr wh`t lt wiucd kist ti iot`le slalc`r jiids ir sbrvlkbs
• Thb dieir aust privldb thb v`cub ig thb die`tlie
• _bvlbw thb die`tlie cbttbr ir gira ti besurb thb v`cub lsrb`sie`ocb
Thb L_[ dbglebs g`lr a`rnbt v`cub `s
thb prlkb th`t ltba wiucd sbcc girie thb ipbe a`rnbt
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;4
Dikuabetlej Le-Nled Kietrloutlies
0. Dikuabet thb o`sls gir dbtbralelej v`cub ig pbrsie`c sbrvlkbs,a`tbrl`c, bqulpabet, oulcdlej, `ed c`ed
?. Iot`le wrlttbe `kneiwcbdjbabet gria thb dieir ti lekcudb=
•
E`ab `ed slje`turb ig dieir• D`tb `ed cik`tlie ig die`tlie
• Dbt`lcbd dbskrlptlie ig ltba ir sbrvlkb
• Bstla`tbd v`cub ig kietrloutlie, hiw v`cub w`s dbtbralebd, whia`db thb dbtbrale`tlie
•
Zhbthbr thb kietrloutlie w`s iot`lebd wlth Gbdbr`c gueds Nbbp ` kipy ig thb rbkblpt le yiur glcbs
Lg `udltbd ` jr`etbb a`y ob rbqulrbd ti iot`le gucc suppirtlej dikuabet`tlie
gria `cc dieirs lg eit `v`lc`ocb durlej thb udlt.
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;2
[`apcb= Le-Nled Kietrloutlie Gira
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;7
Zr`p-Rp
Pubstlies9&
Kiapcbtb Bv`cu`tlies