Fp101

In: Business and Management

Submitted By treva
Words 968
Pages 4
------------------------------------------------- University of Phoenix Material

Credit Protection and Identity Theft

Directions

Refer to:
Free Credit Report on the Federal Trade Commission’s site. *
Identity Theft resource center on the Federal Trade Commission’s site.

Provide answers to three of the following questions based on your readings and your personal experiences. Answers should be 100-to 150-words each.

1. If you find errors on your credit report, what steps would you take to correct them? 1. Tell the credit reporting company, in writing, what information you think is inaccurate. Credit reporting companies must investigate the items in question — usually within 30 days — unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the credit reporting company, it must investigate, review the relevant information, and report the results back to the credit reporting company. 2. Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a credit reporting company, it must include a notice of your dispute. And if you are correct — that is, if the information is found to be inaccurate — the information provider may not report it again. If an investigation doesn’t resolve your dispute with the credit reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the credit reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.

2. There are many organizations that…...

Similar Documents

Fp101 Week 5

...Week 5 Assignment Week 5 Student Loan Summary If you borrow too much debt you may end up having to file for bankruptcy or end up having bad credit. It can also make you have a job you are unhappy in or work more than one job to pay off your debt. Another thing about borrowing too much is the stress it may cause on you from trying to pay it off. The best way to avoid this is to have a budget and stick to the budget, only borrow what you can pay back. I have been working for a while on clearing my credit and part of this has helped me obtain a student loan in which I am already paying on. My plan to pay this back is to use some money that I have from my grants and I also plan on paying on them while I am in school like I am already doing. I feel that by paying for them while I am in school is a great way to avoid getting in debt after school. I have a friend who has been out of school for 13 years and she is still paying on her student loans. A positive thing I am doing to help keep my student loan under control is to have a plan and budget and sticking to that plan and budget. Once I am out of school and working I will sit down and look at my budget and the money coming in and make any changes to my plan and budget. I am hoping to have my loans paid off before my 6 month grace period is over....

Words: 281 - Pages: 2

Fp101 Appendix B Personal Financial Planning Worksheet

...Associate Level Material Appendix B Personal Financial Planning Worksheet Directions: Based on your readings and discussions in class this week, answer the following questions completely. 1. The process of creating a detailed plan to meet your financial needs and prepare for the future is called: a. Developing goals. b. Personal financial planning. ( It is this one. c. Collecting financial information. d. Personal finance. 2. Which of the following is not one of the five major steps of the financial planning process? a. Analyze your current finances. b. Establish and implement your plan. c. Collect and organize your financial information. ( It is this one. d. Reevaluate and revise your plan as needed. 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? a. Teenage years b. Between your 50s and 60s c. Late 20s through your 40s ( It is this one. d. During retirement 4. Which of the following are some benefits of having a college degree that can affect your financial planning? a. The potential to make a higher salary b. Jobs with retirement plans and benefits c. The ability to receive promotions and wage increases d. All of the above ( It is this one. 5. Which of the following elements of a comprehensive financial plan discuss analyzing future needs, such as saving for......

Words: 503 - Pages: 3

How Can Communities and Governments Encourage Recycling Efforts in the United States?

...List the five steps in the personal financial planning process. 1.2 Summarize what influences personal financial planning. 1.3 Identify parts of a financial plan. | | | Course Preparation | Read the course description and objectives.Read the instructor’s biography and post your own. | | | Reading | Read Ch. 1 of Personal Finance. | | | Reading | Read Appendix A. | | | Participation | Participate in class discussion. | | 2 | Discussion Questions | Respond to weekly discussion questions. | | 1 | Nongraded Activities and Preparation Video | Watch the video, Decision to Own a Home vs. Rent, located at the following link: http://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html | | | Individual Personal Financial Planning Worksheet | Resource: Appendix BComplete the Personal Financial Planning Worksheet located in Appendix B. Be sure to answer all questions completely.Post your Personal Financial Planning Worksheet as a Microsoft® Word attachment. | 8/19/12 | 5 | Week Two: Money Management | | Details | Due | Points | Objectives | 1 2.4 Describe how to organize and prepare personal financial statements. 2.5 Identify cash management products and services. 2.6 Complete a personal cash flow statement. | | | Reading | Read Ch. 2 of Personal Finance. | | | ......

Words: 3617 - Pages: 15

Fp101 Week 7 Insurance Matrix

...Introduction to University Studies class helped me realize how to create a plan of action for education and professional success by reflecting on lessons learned throughout this course. I would like to touch base on my favorite topics throughout this class and discuss my further plans in my professional life. Discussion * In the following sections I discuss my course reflections of US101 that include my long-term results in completing a degree, the proper use of tools and assessements, stress and time management, critical thinking and academic writing. I will discuss how I intend to apply these skills into my professional life. * Long –term results in completing a degree * For many high school students, it is hard to imagine what the long term benefits of a college education might be. I was one of them. I knew in the back of my head that college education is important and good to have, but was not very serious about it. My point of view changed when I had my two kids. I realized that without a proper education and a degree, I would not be able to get a high paying job with benefits. In college, my most important task is to learn and begin to take charge of my life by making my own choices. In fact, what I am expected to do is more than likely exactly what I would like to do: learn more about intriguing subjects. Before entering the workplace, it is a good idea to take advantage of this opportunity for social growth and learning. The fact that I’ll be building a......

Words: 331 - Pages: 2

Fp101 Week 8 Worksheet

...University of Phoenix Material Tax Return Worksheet 1 Directions Review Gloria Ramsay’s tax return. Answer the following questions based on the information listed in her return. 1. Even though Gloria is single, her filing status is Head of Household. Why is Gloria able to file as head of household? Gloria lives with her child and is responsible for paying at least half of the expenses so she can claim head of household. 2. How does Gloria benefit from filing as head of household, rather than single? If Gloria claims head of household then she will get a little break being that your tax rates will be a little lower as head of household. 3. What is Gloria’s adjusted gross income? In which line in the tax form did you find her total income? Gloria's return will be 22,500 dollars as displayed on line 15. 4. Even though Gloria is filing the short form (1040A), she is still able to get two credits. What are the two credits Gloria receives? List the line you found the answers on as well. The two credit a that Gloria will receive will be credit for child care and additional child tax credit. Both credits can be found on lines 29 and 41 respectively. . 5. How much of a refund is Gloria going to receive? Gloria will get a return of 2,500 dollars. 6. What are the four steps listed in the filing checklist? The four steps on the checklist would be sign and date, assemble the return, mail the return and remembering to keep a copy. ...

Words: 482 - Pages: 2

Syllaby

...Course Syllabus FP101 Foundations of Personal Finance Course Start Date: Please print a copy of this syllabus for handy reference. Whenever there is a question about what assignments are due, please remember this syllabus is considered the ruling document. Copyright Copyright ©2010 by University of Phoenix. All rights reserved. University of Phoenix© is a registered trademark of Apollo Group, Inc. in the United States and/or other countries. Microsoft©, Windows©, and Windows NT© are registered trademarks of Microsoft Corporation in the United States and/or other countries. All other company and product names are trademarks or registered trademarks of their respective companies. Use of these marks is not intended to imply endorsement, sponsorship, or affiliation. Edited in accordance with University of Phoenix© editorial standards and practices. Facilitator Information Kisha LeBlanc kishaleblanc16@email.phoenix.edu (University of Phoenix) kakishah@yahoo.com (Personal) 832-428-3429 (CST) Facilitator Availability I am available from 9 a.m.-9 p.m. Central Time on most days, but I attempt to reserve Sunday for my family. On Saturdays, I tend to be online in the morning only. If these times are not convenient for you, please let me know. I will be happy to accommodate your schedule, if possible. I provide you with these......

Words: 703 - Pages: 3

Fp/11 Final

...FP101 Final Exam 1. When you have serious credit card debt, where is the best place to seek help? a. From a debt consolidation company b. From an independent consumer credit counseling agency, such as AICCCA or the National Foundation for Credit Counseling c. From a credit deferral service d. From a private loan organization, such as a bank or credit union. 2. Which of the following is considered secured debt? a. Student Loan b. Credit card c. Auto loan d. Debt consolidation loan 3. Students should aim to keep their total student loan debt to a. less than the salary they are likely to make their first year out of school b. less than 200% of their first-year salary c. about the total cost of 4 years of their education d. less than 150% of their first-year salary 4. Which of the following is considered a very good credit score? a. 500-559 b. 600-659 c. 700-759 d. 760-859 5. What is a credit utilization rate? a. How many open credit accounts you have b. The percentage of all your reported credit accounts that are open accounts c. Your total outstanding balance as a percentage of total credit limit d. How often you use credit to make purchases 6. What is the main disadvantage of using only a debit card? a. Debit card purchases are not reported to credit reporting agencies and therefore will not help you build your credit score. b.......

Words: 1225 - Pages: 5

Fp101

...I was born and raised in Arkansas with 1 brother and 2 sisters. I graduated high school and entered college and after 2 years decided to move to Texas (only for the summer). I have 1 child and a precocious and happy 23 month on grandson, whom I am trying to teach to call me GiGi as I am WAY to young to be called GRANDMA!! . I ended up living in Austin, Texas for 12 years before moving to New York City to pursue my hand as an actress. While in Austin, I began singing with local bands and performing as an actress in regional musical theatre. I have been working in the entertainment arena for the last 12 years in which I have had the privilege of traveling throughout the U.S. and internationally and having the opportunity of making new friends and experiencing different cultures. I moved to California in 2003 working as an extra in many TV sitcoms and movies, only to head back to NYC in 2005. My biggest/little success was becoming a member of the original cast in the Toronto “Hairspray” production and also portraying “Oprah Winfrey” on an episode of Jimmy Kimmel Live! in 2009. After the grueling task of rejection began to take a toll and the struggle more demanding, I just recently decided to hang up the towel. I am very honored and nervous about taking another journey in this new chapter of my life. It is now time for me to pay it forward and give back to my community, where in early years, I thought I didn’t have the time! Here’s looking forward to a new......

Words: 1152 - Pages: 5

Foundations of Personal

...|1.5 | | | |Ongoing | | |Discussion Questions |Respond to weekly discussion questions. |Week 1 |1.5 | | | |Ongoing | | |Nongraded Activities and |Watch the video, Decision to Own a Home vs. Rent, located at the following link: |Week 1 | | |Preparation |http://ecampus.phoenix.edu/secure/aapd/materials/videos/FP101.html |Day 7 | | |Video | | | | |Individual |Resource: Appendix B |Week 1 |5 | |Personal Financial Planning |Complete the Personal Financial Planning Worksheet located in Appendix B. |Day 7 | | |Worksheet |Be sure to answer all questions completely. | | | | |Post your......

Words: 2008 - Pages: 9

Fp101 Appendix B

...Associate Level Material Appendix B Personal Financial Planning Worksheet Directions: 1. Based on your readings and discussions in class this week, answer the following questions completely. b. Personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. Collect and organize your financial information. 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? c. Late 20s through your 40s 4. Which of the following are some benefits of having a college degree that can affect your financial planning? d. All of the above 5. Which of the following elements of a comprehensive financial plan discuss analyzing future needs, such as saving for retirement or college funding for dependants? a. Building wealth 6. People have different styles when it comes to handling their money. List the two things that affect our personal beliefs and opinions about financial planning. 1. Values 2. Attitude 7. Which element of the comprehensive financial plan focuses on your housing needs, setting aside money for emergencies, and establishing a career path? Securing basic needs 8. The economy is unpredictable and can affect your personal financial planning. List one factor in economic conditions that may affect......

Words: 293 - Pages: 2

Fp101

...Title |Understanding Effective Money Management | | |Assessment A, Part 1: Creating a Personal Financial Statement - Assests | |Drag your assets from the notebook to the screen. | | | |Car - Bluebook value $1250.00  | | | |Cash - $378.00  | | | |Savings account - $826.00  | | | |Assessment A, Part 2: Creating a Personal Financial Statement - Debts | |Drag your debts from the notebook to the screen. | | ...

Words: 448 - Pages: 2

All Shoes | Абу Халид Дагестани | Jazz, Blues