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San Diego, CA - There is a new
resource known as <DebtGuard Financial Literacy Program >
is now available. It is free online and is available to
all counselors and service members world-wide. The details
of the twelve chapter program are listed below. Please
help the ICFE get the word out and send this email to all
concerned and interested in quality financial education.
It is available through our educational and counseling
partner organization: Springboard, nonprofit consumer
credit management. Springboard is a member of the
National Foundation for Credit Counseling and is fully
accredited and certified. You may access it here: ((http://www.credit.org/resources_debtguard.htm))
Please help the ICFE get the word out and send this email
to all concerned
and interested in quality financial education. Thanks P.R./ICFE
04-14-05
DebtGuard Financial Literacy Program
The DebtGuard Financial Literacy Program is a 12-chapter
self-study course that teaches
about the fundamental basics of Money, Debt and Credit.
The course was created to help individuals further
understand their personal finances,
how to manage them in their everyday lives as well as
learn how to modify their financial
behavior so they can make better financial decisions in
the future.
Each chapter within the course should take about 30
minutes on average to study.
The 12 chapters included in the course are:
Chapter 1: Organizing Your Financial Life
Learn the eight basic areas to organize in your financial
life.
Chapter 2: Budgeting and Savings
Learn about budgeting, spending plans and the types of
savings vehicles.
Chapter 3: About Checking Accounts
Learn how to set up, use and manage a checking account
properly.
Chapter 4: Securing Financial Needs
Learn the four basic financial needs when planning for the
future.
Chapter 5: Basics of Credit Cards
Learn about credit cards, the down falls of them and how
to read a statement.
Chapter 6: Focus on Debt
Learn about the different types of debt and how they work
and affect you.
Chapter 7: Understanding Debt
Learn about Debt-to-Income Ratios, why they are important
and how to manage them.
Chapter 8: Dealing with Unpaid Debts
Learn about unpaid debts, their consequences and how to
deal with them.
Chapter 9: The Basics of Credit
Learn about the different types of credit, their cost and
the three Cs of credit.
Chapter 10: Understanding Credit Reports
Learn what credit reports are, how they work, who can read
them and how to obtain
Chapter 11: Credit Scores and Their Effects
Learn about credit scores, how they work and how they can
affect your life.
Chapter 12: Your Guide to Homeownership
Learn how to purchase a home, what is takes to qualify for
a loan and more.
In addition to the 12-chapter course, the program offers
other financial sections such
as: various financial & credit terms, financial ebooks,
financial resources, financial worksheets,
interactive exercises, crossword puzzles, financial
flashcards and more.
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What Do Graduates Receive?
Individuals that successfully pass the 60-question final
exam within the course will be
registered into a national online database which can be
accessed by the graduate to
verify their successful completion of the course.
In addition, each graduate can receive:
Certificate of Completion: Graduates can present this
certificate to credit lenders, which
could entitle them to special incentives and discounts
depending on the lender and type of
loan or credit applied for.
Credit Reporting Cards: These cards could increase your
creditworthiness by adding a
positive statement to your credit file with TransUnion,
Equifax & Experian, which can be
viewed by lenders as well as all credit inquiries.
You may access it here: ((http://www.credit.org/resources_debtguard.htm))
Please help the ICFE get the word out and send this email
to all concerned
and interested in quality financial education. Thanks P.R./ICFE
04-14-05 .
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About the ICFE:
About the
ICFE:
The Institute of Consumer Financial Education (ICFE), founded in 1982 by the
late Loren Dunton (creator of the “certified financial planner” (CFP)
designation) and it is dedicated to helping consumers of all ages to improve
their spending, increase savings and use credit more wisely. The ICFE trains and
certifies Personal Finance Instructors for its own curriculum. It also trains
and certifies Credit Report Reviewers and Identity Theft Prevention Specialists.
The ICFE is an award winning, nonprofit, consumer education organization that
has helped millions of people through its education programs and resources. It
publishes the Do-It-Yourself Credit File correction Guide, now in its 16th
printing and has distributed over one million “Credit/Debit Card Warning Labels”
and “Credit/Debit Card Sleeves” world wide.
The ICFE became an official partner with the Department of Defense/Financial
Readiness Campaign in June of 2004.
The ICFE is also a partner in the national Jump$tart Coalition for Financial
Literacy and the California Jump$tart chapter. The ICFE staff is also active
with San Diego Saves, an offshoot of America Saves, and the California Student
Debt Resource Awareness Project (CASDRAP) (studentdebthelp.org).
The ICFE’s on-line help for consumers who spend too much was featured in PARADE
Magazine in the Intelligence Report section. The money helps and tips are from
“The Money Instruction Book,” a course in personal finance, positioned to become
among the premier programs in the new bankruptcy and debtor education
initiatives.
The ICFE Web site at:
http://www.icfe.info helps consumers with mending spending, learning about
the proper use of credit, budget and expense guidelines, how to set up and
implement a spending-plan and also how to access financial education courses and
videos and how to teach children about money. Other ICFE services include a free
eNewsletter, and an online resource center of financial education learning
tools, including videos, books, software and personal finance courses.
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