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Getting Started

Financial Literacy Getting Started

QuestionAnswer
Your goal in developing a ____________ plan is to be able to pay all of your expenses each month and put money into a savings or investment ac count and having a good spending plan in place will help you achieve this goal. spending
The first section of a spending plan is __________________. Income
You can also put your name on the lists known as the _____ _____ _______ and Do Not Solicit lists, which will minimize, if not completely stop any credit card solicitations coming to your home. Do Not Call
The best way to limit their access to your information is to ________ everything. Shred
Do not ever provide information in an e-mail directly in the _______ of the e-mail or in an ____________ which contains your personal information. body: attachment
When creating a password for your online accounts, use a combination of ________, upper and lowercase, and __________. letters and numbers
It is recommended you carry one for purchases you make in __________ and have a separate card for _________ purchases. person: online
Identity theft can ________ your ________. ruin: credit
When you realize you have become a victim of identity theft, the ________ step you must take is to contact all _________ and credit card companies where you have an open account and tell them what has happened. first; banks
A ____________ is goal is one you want to achieve in less than 12 months time. short-term
An ____________ goal is one you want to achieve in more than 12 months, but less than 5 years. intermediate-term
A long-term goal is one you want to achieve in more than five years and possibly up to _____ _____ _____ years. 30 to 35
When you choose a bank, you should three things in mind: 1. convenience 2. service 3. cost
A _______________ __________ is one of the most widely recognized of the banking institutions because they have been so well known throughout the years. commercial bank
_________________ __________ do not have physical locations you are able to walk into and do your banking. Virtual Bank
Each time you use a debit card, the money is taken from your account almost __________________. immediately
Banks make their money by charging _________ for the services they offer, by charging ____________ on loans that they make and by charging ____________ on investments they sell. Fees; interest; commissions
Ask the customer service representative to explain the fees to you if you do not understand them and make sure there are no ____________ fees. hidden
Bank statements are provided to give a customer a ____________ of what their account activity has been during a specific time period. snapshot
It is important for you to keep your own ____________ so you have an ____________ idea of what is available for you to spend. register; accurate
This ____________ of your account shows the opening balance, the total of deposits made during the month, the total of the withdrawals made during the month and the closing balance. statement
The top two features of online and mobile banking are convenience and ____________. security
A typical security system provided by a financial institution includes a firewall, data ____________, requirement for PINs, login security questions, requirement for ____________ and ongoing maintenance to their systems to protect against hackers. encryption; passwords
Only access your account information from a ___________ computer location and always logout of your account when done. secure
Also, if you are using a __________ __________ to access your mobile banking, or a computer to access online baking, do not leave them ______________, especially when you are logged in to online or mobile banking. mobile device; unattended
Utilities variable
movies Discretionary
Mortgage Fixed
New Television Discretionary
Groceries Variable
Interest Paid to you Income
Car payment Fixed
Mowed Neighbor's Lawn Income
Gas Variable
Car Insurance Fixed
New Ipad Discretionary
paycheck Income
Created by: jschaer