AmeriCorps CNCS Financial Literacy Presentation Start Up

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



?

[bsslie Iombktlvbs• Nby ltbas th`t @abrlKirps jr`etbbs shiucd

kiesldbr ti=

• Dbvbcip bggbktlvb letbre`c kietrics> `ed

• Dikuabet a`tkh



;

[bsslie Iutcleb• Letbre`c Kietrics

• Letbre`c kietrics èd ùdlt gledlejs

•

Zh`t @rb Letbre`c Kietrics• Vurpisb/Iombktlvbs ig Letbre`c Kietrics

• Dbglelej ` Jiid Letbre`c Kietric Bevlrieabet

•

Vrikbss Ti Bstòclsh Let• Zrlttbe Viclklbs èd Vri

• Bxàpcbs ig Nby Letbre`

@abrlKirps Jrètbbs

bre`c Kietricskbdurbs

c Kietrics Bcbabet gir



4

[bsslie Iutcleb• Dikuabetlej A`tkh

• A`tkh rbqulrbabets

•

Dikuabet`tlie o`slks• _bkirdlej Le-nled `ed W`culej Kietrloutlies



2

Letbre`c Kietrics èd @udlt Gledlejs• Typbs ig ùdlt gledlejs

• @ qubstliebd kist th`t obkiabs ` dls`cciwbd kist ls ` vlic`tlie

ig ` privlslie ig c`w, rbjuc`tlie, kietr`kt, jrèt, kiipbr`tlvb`jrbbabet ir ithbr `jrbbabet ir dikuabet jivbrelej thb bxpbedlturbsig Gbdbr`c gueds.

• @ rbpirtòcb kiedltlie le whlkh thb dbslje ir ipbr`tlie ig è

letbre`c kietric dibs eit rbdukb, ti ` rbc`tlvbcy ciw cbvbc, thb rlsn th`tbrrirs ir lrrbjuc`rltlbs wiucd rbsuct le sljelglkèt ir a`tbrl`c lssubs



7

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 aè`jbd le`ppriprl`tbcy• Guedlej siurkbs `rb mbip`rdlzbd

• Lekieslstbeklbs le pr`ktlkbs, prikbssbs, rbvlbws,

`ppriv`cs, rbsucts, dikuabet`tlie

•

Lebgglklbet usb ig tlab èd rbsiurkbs• _bp`yabet ig dls`cciwbd ir ue`cciwòcb kists



Bxàpcbs ig @udlt Gledlejs Dub ti

Le`dbqu`tb Letbre`c Kietrics

:

Jbebr`c=

• C`tb suoalsslie ig gleèkl`c rbpirts

• Alsslej ir qubstlieòcb 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`kkbptòcb mustlglk`tlie gir khèjbs a`db ti tlabshbbts



8

Zh`t `rb Letbre`c Kietrics9• Irjèlz`tlie`c piclklbs, prikbdurbs,

prikbssbs, èd systbas

• @ systba ig khbkns èd o`cèkbs• Kcb`r ldbetlglk`tlie èd `ppriprl`tb sbp`r`tlie

ig ùthirltlbs, rbspieslolcltlbs, dutlbs

• Eit ` –irjèlz`tlie`c ourdbe,‑ out ` tiw`y ti iptlalzb èd aè`jb rbsiurkbs



<

Vurpisb ig Letbre`c Kietrics• Laprivb `kkiuetòlclty ti kustiabrs (Gbdbr`c

Jivbreabet, KEK[, trustbbs, btk.)

• Hbcp irjèlz`tlie `khlbvb pbrgiraèkb èd oudjbt

t`rjbts èd ipbr`tb bgglklbetcy èd bggbktlvbcy

• Hbcp besurb gleèkl`c letbjrlty ig irjèlz`tlie èd

rbclòlclty ig gleèkl`c rbpirtlej

•

Vrbvbet ciss ig rbsiurkbs, puoclk `ssbts èd trust• Hbcp besurb kiapclèkb wlth c`ws, rbjuc`tlies,

rbqulrbabets



Vurpisb ig Letbre`c Kietrics9 (kiet.)

06

• Hbcp besurb dbklslies, `ktlies èd très`ktlies `rb

`ppriprl`tbcy mustlglbd, rbvlbwbd, `pprivbd èd

dikuabetbd• [uppirt bggbktlvb aè`jbabet

• Hbcp alelalzb ippirtuelty gir w`stb, grùd èd

alsaè`jbabet

• Hbcp rbdukb cbj`c clòlclty



00

@ Jiid Kietric Bevlrieabet Lekcudbs

• Visltlvb –`taisphbrb‑ le thb wirn bevlrieabet

• Bxlstbekb ig ` kidb ig kiedukt èd kidb ig bthlks

• Zrlttbe mio dbskrlptlies

• Tlabcy/`ppriprl`tb kiaauelk`tlies wlth Oi`rd

• Zrlttbe piclklbs ti hlrb, tr`le, priaitb èd kiapbes`tbbapciybbs

•

[`gbju`rds gir bapciybbs rbc`tbd ti whlstcb-ociwlej• @ kcb`r kh`le ig kiaaèd

• Kcb`r, wrlttbe dbcbj`tlies ig ùthirlty &rbspieslolcltlbs



0?

@ Jiid Kietric Bevlrieabet Lekcudbs (kiet.)

• Zrlttbe piclklbs, prikbdurbs èd prikbssbs

• @dbqu`tb rbvlbw prikbss gir gleèkl`c très`ktlies,

gleèkl`c rbpirts, oudjbts, btk.• @dbqu`tb k`sh aè`jbabet prikbdurbs (b.j.,

aiethcy oèn rbkieklcl`tlies oy supbrvlsiry

pbrsieebc)

• [ystba ti tr`kn p`rtlklpèts“ & bapciybbs“ `ktlvltlbs

• [ystba ti gicciw up ie priocbas ti besurb

rbsicutlie



Vrikbss ti Bstòclsh Letbre`c Kietric

Letbre`c Kietrics Vrikbss

Kykcb

0;

0. _bvlbw

Alsslie/Wlslie

[t`tbabet

?. [bt upirjèlz`tlie“s ji`cs

èd iombktlvbs

;. Bstòclshirjèlz`tlie“s piclklbs

èd prikbdurbs

4. Dbslje kietrics

ti besurb piclklbs

èd prikbdurbs `rb

gicciwbd

2. Bduk`tb pbrsieebc

ie piclklbs èd

prikbdurbs

7. Aieltir letbre`c

kietric kiapclèkb

:. _bvlbw piclklbs,

prikbdurbs èd

kietrics-aidlgy s

ebbdbd



04

Zrlttbe Viclklbs & Vrikbdurbs ls bssbetl`c ti

bstòclshlej Letbre`c Kietrics Obkùsb Thby=

• Bstòclsh thb stèd`rds gir thb irjèlz`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 èd suostltutbs lg thb`ppriprl`tb pbrsieebc `rb òsbet

• @sslst wlth kieslstbeky èd kcb`r kiaauelk`tlie igbxpbkt`tlies



02

Bxàpcbs ig Nby Viclklbs & Vrikbdurbs

• @uthirlz`tlies ig très`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

• Gleèkl`c rbpirtlej

Oudjbtlej

_bkird rbtbetlie

Kiegclkt ig letbrbst

Tlabnbbplej

•

•

•

•



0:

Mio Dbskrlptlie ‛ Nby Bcbabets

• Mio tltcb=

• _bpirts ti=

•

[upbrvlsbs=• O`slk guektlie=

• Dutlbs `ed rbspieslolcltlbs=

•

Pu`clglk`tlies=• Kc`sslglk`tlie=



08

@kkiuetlej [ystbas ‛ Nby Bcbabets

• [ystba aust ob k`pòcb ig=• Dlstlejulshlej jrèt vs. eie-jrèt rbc`tbd bxpbedlturbs

• Ldbetlgylej kists oy prijrà yb`r

•

Ldbetlgylej kists oy oudjbt k`tbjiry• Dlggbrbetl`tlej obtwbbe dlrbkt èd ledlrbkt kists

(`dalelstr`tlvb kists)

• A`let`les Gbdbr`c èd eie-Gbdbr`c a`tkhlej guedssbp`r`tbcy gria jrèt gueds

• _bkirds le-nled kietrloutlie `s oith rbvbeubs èdbxpbesbs



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



??

Dikuabetlej A`tkh



?;

Vrimbkt Kists

Thb tit`c `cciwòcb oudjbt ir bxpbedlturbs lekurrbd tiipbr`tb thb prijrà èd `kkiapclsh lts iombktlvbs ls dlvldbdleti ? sbktlies=

Gbdbr`c

[h`rb

Virtlie ig oudjbt ir bxpbedlturbs p`ldgir wlth Gbdbr`c gueds (KEK[)

Jrètbb

[h`rb

`n`= a`tkh

Virtlie ig tit`c bxpbedlturbs eit p`ld

gir wlth KEK[ gueds

Gbdbr`c èd Jrètbb [h`rb gueds aust ob trb`tbd kieslstbetcy



?4

Bxàlelej –Ivbr`cc A`tkh‑ _bqulrbabet

§ 42 KG_ ?2?0.76(`) ‛ _bjuc`tiry A`tkh=• Jrètbbs aust abbt alelaua rbqulrbabets `s shiwe le tòcb

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%



?2

[iurkbs ig A`tkh

K`sh

Kietrloutlies

• Kietrloutlies rbkblvbd oy k`sh, khbkn,bcbktrielk gueds trèsgbr, 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, èd

ithbr bxpbedòcb pripbrty

@pprivbd OudjbtA`tkh àiuet èd [iurkbs ig A`tkh

[iurkbs ig A`tkh Khèjbd [ljelglkètcy Kiet`kt yiur Jrèts Igglkbr



?7

@kkbptòcb A`tkh ls . . .K`sh èd le-nled kietrloutlies `rb `kkbptbd `s p`rt ig thb jrètbb“s kistsh`rlej ir a`tkhlej whbe kietrloutlies abbt `cc ig thb gicciwlej krltbrl`=

• @rb vbrlglòcb gria thb jrètbb's rbkirds

• @rb ebkbss`ry èd rb`sieòcb gir pripbr ed bgglklbet `kkiapclshabet ig primbkt ir prijrà iombktlvbs

• @rb `cciwòcb uedbr thb ppclkòcb IAO kist prleklpcbs

• @rb eit p`ld oy thb Gbdbr`c Jivbreabet uedbr èithbr `w`rd, bxkbpt whbrbùthirlzbd 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 jrèt privlslies ir IAO Klrkuc`rs

@dalelstr`tlvb _bqulrbabets



?:

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 è ùdlt

[bb Hèdiut

Bstòclsh ` wrlttbe rbkird rbtbetlie piclky



?8

Gledlej A`tkhK`sh=• Die`tlies

• Cb`sbs, s`cb igjiids/sbrvlkbs

• Cik`c jivbreabets• [t`tb `ppriprl`tlies

• Giued`tlie jrèts irkirpir`tb kietrloutlies

Le-Nled Kietrloutlies=W`cub ig die`tbd sbrvlkbs

èd/ir die`tbd jiids

Còir sp`kb vbhlkcbstr`lelej suppclbsbqulpabet sbrvlkbs

•

Jrètbbs kèeit usb ithbr Gbdbr`c gueds `s a`tkh

uecbss `pprivbd oy thb ithbr Gbdbr`c `jbeky



?<

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 irjèlz`tlie`c guektlies

•Kiuet sbrvlkbs sukh `s `kkiuetlej, cbj`c, tr`lelejig st`gg ir abaobrs th`t `rb bcbabets ig thbjrètbb“s kist `ccik`tlie pcè



;6

_bkirdlej Le-Nled Kietrloutlies• A`let`le `dbqu`tb dikuabet`tlie ti suppirt àiuets kc`labd `s

a`tkh

• A`let`le sàb dikuabet`tlie gir oith KEK[ Gbdbr`c sh`rb èd girjrètbb“s sh`rb

• Dikuabet`tlie aust abbt sàb stèd`rds `s ithbr bxpbedlturbswlthle irjèlz`tlie

• _bkird die`tlie èd v`cu`tlie ig ltba le dbt`lc

• Betbr leti thb Jbebr`c Cbdjbr `s lekiab èd bxpbedlturb

• G`lcurb ti betbr a`tkh kietrloutlies leti jbebr`c cbdjbr rbqulrbs `gira`c bxpcè`tiry piclky èd sbp`r`tb sprb`d shbbt `kkiuetòlclty igrbkblpt èd usb



;0

Zhy _bkird Le-Nled le thb Jbebr`c Cbdjbr9

[t`tbabet ig Gleèkl`c @kkiuetlej [tèd`rds

([G@[ #007) sbts thb stèd`rd=

•

Kietrloutbd sbrvlkbs `rb rbkijelzbd le gleèkl`cst`tbabets lg sbrvlkbs rbkblvbd=

• Krb`tb ir behèkb eie-gleèkl`c `ssbts, ir

• _bqulrb spbkl`clzbd snlccs, `rb privldbd oy ledlvldu`cs pissbsslej thisb snlccs, èd wiucd ebbd ti ob purkh`sbd

lg eit privldbd oy die`tlie.



;?

_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)



;;

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



;4

Dikuabetlej Le-Nled Kietrloutlies

0. Dikuabet thb o`sls gir dbtbralelej v`cub ig pbrsie`c sbrvlkbs,a`tbrl`c, bqulpabet, oulcdlej, èd cèd

?. Iot`le wrlttbe `kneiwcbdjbabet gria thb dieir ti lekcudb=

•

Eàb èd slje`turb ig dieir• D`tb èd 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 ùdltbd ` jrètbb a`y ob rbqulrbd ti iot`le gucc suppirtlej dikuabet`tlie

gria `cc dieirs lg eit `v`lcòcb durlej thb udlt.



;2

[`apcb= Le-Nled Kietrloutlie Gira



;7

Zr`p-Rp

Pubstlies9&

Kiapcbtb Bv`cu`tlies

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