10 Smart Money Moves You Can Make

10 Smart Money Moves Department of Financial Institutions ( www.dfi.wa.gov )

Jeremy Lushene [email_address]

Move 1: Create A Financial Plan

Think… Where Do You Want Your Money To Go? ,[object Object],[object Object],[object Object],[object Object]

Now Set Those Goals ,[object Object],[object Object],[object Object]

SMART Goals Only ,[object Object],[object Object],[object Object],[object Object],[object Object]

So, How Do You Start? ,[object Object]

Move 2: Choose The Right Products

Think About This… ,[object Object],[object Object],[object Object],[object Object],[object Object]

Research Products ,[object Object],[object Object],[object Object],[object Object],[object Object]

How to Research ,[object Object],[object Object],[object Object]

Who Can Help ,[object Object],[object Object],[object Object],[object Object]

Move 3: Save For A Rainy Day

Emergency Savings ,[object Object],[object Object]

How Much Do I Need? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Where To Store Emergency Money ,[object Object],[object Object],[object Object],[object Object],[object Object]

Move 4: Check Backgrounds Of Financial Professionals

Who To Check With ,[object Object],[object Object],[object Object]

Who Looks At Your Credit These Days? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Who Stores Your Credit Information? 3 Major Credit Bureaus Monitor You 1) TransUnion 2) Equifax 3) Experian

FICO Scores Developed By Fair Isaac Corporation Used By Majority Of Lenders Score For Each Of 3 Credit Bureaus 750-850 Excellent 700-749 Very good 650-699 Good credit 600-650 Fair 550-600 Poor

How You’re Scored Payment History 35% Amounts Owed 30% Types Of Credit 10% New Credit 10% Length Of History 15%

Avoiding Credit Trouble ,[object Object],[object Object],[object Object],[object Object],[object Object]

Move 6: Review Important Financial Documents

Your To Do List ,[object Object],[object Object],[object Object],[object Object]

To Do List Continued… ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Move 7: Protect Your Finances and Identity

1 In 5 Washington Residents Victim Of ID Theft In Past 5 Years Identity Theft 911 Report, 2007

Tactics ID Thieves Use ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

How To Protect Yourself ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Warning Signs You’re A Victim Denied Credit Unexpected Bill Bills Stop Arriving Fraudulent Charges Credit Cards Show Up

Move 8: Stay Up To Speed On Latest Scams

The Latest Scams ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

More Information On Scams ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Move 9: Take Advantage Of Free Resources

Free Resources ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Move 10: Know Where To Get Help

Help ,[object Object],[object Object],[object Object],[object Object]

More Help ,[object Object],[object Object],[object Object]

Questions? Jeremy Lushene [email_address] (360) 902-0506 dfi.wa.gov

10 Smart Money Moves You Can Make

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