Personal Finance #4-Credit: Sources, Costs, Pros & Cons

Learners will understand the advantages and disadvantages of using credit, as well as the associated costs of using credit.We will discuss credit-related terms like closed-end credit, open-end credit, and different loan types. Learners will also understand what financial institutions are, the differences in how different types of financial institutions operate, and which financial institutions may be best for their personal debt-related needs.The course will cover factors that generally have an impact on an individual's ability to access credit, including the 5 C's of credit capacity:1. Character2. Capacity3. Capital4. Collateral5. ConditionsLearners will learn about the equal credit opportunity act (ECOA). We will also discuss options for an individual if denied credit.The course will discuss credit costs, loan components, and trade-offs when making credit-related decisions.We will also look at interest calculation methods, a critical topic for understanding personal financing and making beneficial financial decisions.The course will include example problems to make concepts more concrete.It will also have practice problems, including able Excel Workbooks, which users may also open using Google Sheets.The Excel Workbooks will generally have at least two tabs. One tab will have the answer key so learners can deconstruct the problem. The second tab is where we work the practice problem step-by-step along with the instructional videos.

Overview

Section 1: Presentations

Lecture 1 5100 Consumer Credit Overview

Lecture 2 5110 Credit Advantages & Disadvantages

Lecture 3 5115 Closed-End Credit vs Open-End Credit

Lecture 4 5120 Loan Types & Institutions Commercial Banks

Lecture 5 5125 Loan Types & Institutions Consumer Finance Companies

Lecture 6 5130 Loan Types & Institutions Credit Unions

Lecture 7 5135 Loan Types & Institutions Life Insurance Companies

Lecture 8 5140 Loan Types & Institutions Federal Savings Bank

Lecture 9 5145 Loan Options by Expense Level

Lecture 10 5150 5 C's of Credit Credit History

Lecture 11 5155 Credit Scores & How They're Calculated

Lecture 12 5160 5 C's of Credit Capacity

Lecture 13 5165 5 C's of Credit - Collateral

Lecture 14 5170 5 C's of Credit Capital

Lecture 15 5175 5 C's of Credit Conditions

Lecture 16 5180 Equal Credit Opportunity Act (ECOA)

Lecture 17 5190 Options if Denied Credit

Lecture 18 5195 Cost of Credit

Lecture 19 5200 Loan Components and Trade Offs

Lecture 20 5210 Interest Calculation Methods

Lecture 21 5215 Credit Billing Error & Disputes

Lecture 22 5220 Credit & What to do if Identity is Stolen

Lecture 23 5225 Protecting Your Credit From Theft or Loss

Lecture 24 5230 Cosigning a Loan

Lecture 25 5235 Debt Problem Warning Signs

Lecture 26 5240 Financial Counseling Services

Lecture 27 5250 Declaring Personal Bankruptcy

Section 2: Problems

Lecture 28 5110 Home Loan Borrowing Limit

Lecture 29 5122 Debt Payments to Income Ratio

Lecture 30 5162 Calculate APR and Payment Home Loan

Lecture 31 5163 Mortgage Rate (APR) Break Even Point

Lecture 32 5171 Pay Period Comparisons

Lecture 33 5175 APR Simple Interest Examples

Lecture 34 5177 APR Two Installment Loans Comparison

Lecture 35 5179 Add on Interest Rate Loan

Section 3: Excel Problems

Lecture 36 5110 Home Loan Borrowing Limit

Lecture 37 5122 Debt Payments to Income Ratio

Lecture 38 5162 Calculate ARP and Payment Home Loan

Lecture 39 5163 Mortgage Rate (APR) Break Even Point

Lecture 40 5171 Pay Period Comparisons

Lecture 41 5175 APR Simple Interest Example

Lecture 42 5177 APR Two Installment Loans Comparison

Lecture 43 5179 Add on Interest Rate Loan

Individuals,Personal finance professionals

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