Since 2005, the WorldofMoney.org has been committed to providing financial education to underserved youth.
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Domingo, 22 de Novembro às 6:50
WorldofMoney.org would love to see "Black Friday" as the day that families (nuclear and extended) get together to make sure that THEY'RE "in the black", discussing estate planning, personal finance strategies, wealth buildling, college financing, etc. Don't people realize that the term "Black Friday" means that consumers are IN THE RED...????? It's nothing to rush into! Poster: Zelda Samara Owens (Parent of a WoM Graduate)
WorldofMoney.org CREDIT CARDS AND YOUTH: Credit card issuers are now required to disclose marketing agreements with universities; are banned from offering free gifts in exchange for opening an account on a college campus; and are required to ensure those under age 21 have means to repay or have a cosigner before opening an account.
John Rio Fultz
Credit cards for college students? Be sure you know the risks?
Should a freshman in college have a credit card? Opinions are divided, both among parents and us financial advisers. It’s a situation that can work out really well…or really badly, depending on the student and the parents.At its best, everyone benefits from ...giving a student a card. The student uses the card for budgeted expenses, pays off the balance each month, and starts building a good credit history. The parents sleep better knowing the student has a credit source in case of emergencies.At its worst, the student is unused to managing money, or living within a budget. They fail to make payments on time, incur high interest charges, and ruin their credit history. The parents have to step in to bail them out. Among the many risks:
John Rio Fultz Lack of experience in managing money can lead a student to overspend, or to neglect making payments on time. Peer pressure may encourage a student to spend on entertainment or clothes, just to keep up with friends. Failure to agree on a budget beforehand can result in shock when you see your student's monthly statement.... Parents co-signing for the card can put their credit scores at risk too. Loss or theft of the card can lead to problems that take hours to resolve.
John Rio Fultz
To minimize risks:Set ground rules for use of the card. Agree on what it may and may not be used for. Put the agreement in writing and have the student sign off.
Establish a budget. Talk regularly about how your student is managing his or her expenses within the budget.
Consider alternatives to a credit card, at least ...for the freshman year. Consider using a prepaid credit card, or set up a checking account with a debit card. That allows the student to gain experience managing expenses within a budget. Finally, remember you may have no say in the matter. Students are bombarded with credit card offers as soon as they enroll. Card companies are usually happy to issue a card to any student over age 18 in his or her own name.
WorldofMoney.org
encourages you to vote for the financial education of our youth: Cash Camp, Inc. dba WorldofMoney.org to receive JP Morgan Chase funding...thank you and please spread the word:) Seize The Day!!
http://apps.facebook.com/chasecommunityg
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Hora:Domingo, 22 de Novembro de 2009 6:50
Local:YOUR COMPUTER!
WorldofMoney.org
Hello WorldofMoney.org Fans!
Please vote for WorldofMoney.org to receive JP Morgan Chase FUNDING and pass on to at least 5 of your Facebook friends??
WE NEED YOUR CLICK TO VOTE, NOW MORE THAN EVER!
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Thanks!Sabrina
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WorldofMoney.org This article: "How (and Why) Athletes Go Broke" is the reason the WorldofMoney.org is dedicated to the financial education of youth....empower/educate them early!
sportsillustrated.cnn.com
How (and Why) Athletes Go Broke
WorldofMoney.org
So that the Cash Camp dba WorldofMoney.org can receive funding, please click the link and vote...we need your vote!!!<a href="http://apps.facebook.com/chasecommunityg
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How to Market Your Business With Facebook By KERMIT PATTISON Quick Tips: ...
WorldofMoney.org MONEY TIPS TO END 2009: 1) Save more than you spend for presents 2) Max out your 401(k), 3) Max out your Roth IRA, 4) Save/invest 1/2 of all future bonuses, 5) Sell unwanted stuff on eBay/Craigslist, 6) DONATE and receive tax deductions! ;)
WorldofMoney.org as one Chinese citizen stated: "Keep buying our products! It keeps our economy strong" Something to think about!!
WorldofMoney.org William saw what his Malawi village needed and created windmills...Be inspired by what you can do with nothing.
William Kamkwamba, author, "The Boy Who Harnessed the Wind," and Malawi Windmill Maker: Photos & Vid
williamkamkwamba.typepad.com
William Kamkwamba's weblog about his experiences buiding windmills in Malawi
