September 2005 Newsletter
October 12: Boost Your Savings! Presenter Ann House, USU Extension Family Finance Educator, will present the new Utah Saves program and the $500 Savings Challenge: Preparing Women for a Rainy Day
November 9: Insurance: Basic principles that can be applied to all categories of insurance plus specific tips on property insurance December: No program scheduled.
The Money Club: http://www.moneyclubs.com/
This web site includes everything you need to start your own club.
|Sep 28||7 to 8:30||Determining Amount Needed to Retire|
|Oct 26||7 to 8:30||Social Security Issues|
|Nov 30||7 to 8:30||Financial Planning for Retirement|
|Jan 25||7 to 8:30||Preparing for Retirement: Strategies for Catching Up|
|Feb 22||7 to 8:30||Understanding the Stock Market|
|Mar 29||7 to 8:30||Needs of the "Sandwich Generation"|
|Apr 26||7 to 8:30||Protection Yourself Against ID Theft|
To register, contact:
Adrie Roberts, USU Extension - Cache County, 179 North Main, Suite 111, Logan, Utah, 84321. (435) 752-6263. firstname.lastname@example.org
Pay it down: From Debt to wealth on $10 a day by Jean Chatzky, Portfolio Books ISBN 1-59184-063-5. Read a summary and review at: http://www.afcpe.org/doc/Vol161BR1.pdf
by Twila Slesnick & John C. Suttle
Berkeley, CA : Nolo, 2002.
MERRILL - Books, 3rd floor KF 3510 .Z9 S545 2002
To stop the flow of credit card applications in your mailbox: call 888-567-8688.
Get your name off the lists for either 2 years or permanently. You will be asked to provide your name, address and Social Security number (credit reporting agencies already have you SS#).
For those who have not taken advantage of obtaining their free annual credit report - use one of the following methods:
Access via the Internet (returned on-line immediately): https://www.annualcreditreport.com/
(https indicates a secure site) By telephone: 1-877-322-8228 (Usually mailed within 2 business days).
In writing: P.O. Box 105281 - Atlanta, GA 30348-5281
On-line and telephone orders: They can opt to receive one, two, or all three reports. Experian, Equifax and TransUnion (TU) Each bureau will give them an option purchasing their credit score as well; the credit score is not part of the free offer and usually runs about $5.00 per bureau.
So vehicles can visit their real owner.
(Do you have some $ humor to share? Please email Jean)
Fidelity Blue Chip Growth
Oppenheimer Main Street
Putnam Growth & Income
If you own any of these funds it's long past time to sell. Sell and invest in one of the mutual funds chosen by my Advanced Family Finance students and presented in the May FPW. The PowerPoint presentation is available on the FPW web site:
MONEY magazine September 2005 "feature story on the Identity Theft Protection Racket is a must read and offers lots of free alternatives to pricey insurance, credit monitoring services and credit bureau products. See the charts on pages 115 and 116. In a related story, on August 16 th the FTC fined Experian's consumerinfo.com subsidiary almost $1 million charging that it deceptively marketed "free credit reports" by not generally disclosing that you'd be charged $79.95 if you failed to cancel within 30 days. To find out if you are eligible for a refund, go to www.ftc.gov/freereports."
Jean M. Lown, Ph.D.
Family, Consumer, & Human Development
UMC 2905, USU, Logan, UT
84322-2905 435-797-1569; FAX: 435-797-3845