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How Credit Scores Work
- Walter Burch, Editor-in-Chief of CreditLearningCenter.com reports on how credit scores work. Your credit report and credit score are the financial picture you present to lenders. Based on the information contained in your credit report, you are assigned a credit score. Credit scores range between 300 and 900, with the average score in the U.S. at 678. Most lenders offer lower interest rates to applicants who have scores above average. It's important to understand that credit scores are far from static. They constantly fluctuate as new information appears on your credit report, or old data is removed. Consumers can monitor credit reports and credit scores on a regular basis, and take steps to improve your credit score. It all starts with understanding the different parts of your credit report and how each of them are "weighted" to determine your credit score. For more information on checking and understanding credit scores, you may visit www.creditlearningcenter.com.
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Keeping Track of Your Assets
(5:24)
Watch this video about how companies keep track of all of their goods and assets on HowStuffWorks. See how Eyelit Software manages all sorts of data to see trends and forecast demand in this video from World Business Review.
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Top Personal Finance Books
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Watch this video courtesy of Marketplace Money from American Public Media where host Chris Farrell gives you his picks for the best books on investing and managing your money. Each is written in a style we can all understand.
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Choosing a Financial Planner
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Watch this video courtesy of Marketplace Money from American Public Media showing how to choose a financial planner. Regardless of the size of your portfolio, a certified financial planner can help navigate the complex world of money management.
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College Spending Tips for Co-Eds
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Watch this video from American Public Media showing how to prepare your child for college and manage his or her own money. Money management is often the biggest source of tension between parents and college students.
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House Buying: How Much is Too Much?
(3:44)
Watch this video from American Public Media showing how to figure out the maximum you can afford for your house payment. Interest rates, buying cycles and the economy will play key roles in this decision.
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Paying Off Student Loans
(2:49)
Watch this video from American Public Media showing how to manage and pay off student loans. Most student loans are amortized over 10 years and you will save substantial money if you pay on-time, every month.
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Investing Ethically
(3:24)
Watch this video from American Public Media showing how to invest in stocks and funds that promote your personal values and beliefs without having to sacrifice big returns. Host Chris Farrell explains how to invest ethically.
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Getting Rid of Credit Card Debt
(2:20)
Watch this video from American Public Media showing a few practical ways to get rid of credit card debt. Host Chris Farrell shares several quick and easy - at least in principle - ideas for how to stay out of debt.
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