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


This course will deal with instruments to assist with private monetary selections associated to debt and credit score.

Learners will perceive the benefits and downsides of utilizing credit score, in addition to the related prices of utilizing credit score.

We are going to talk about credit-related phrases like closed-end credit score, open-end credit score, and totally different mortgage varieties. Learners will even perceive what monetary establishments are, the variations in how several types of monetary establishments function, and which monetary establishments could also be greatest for his or her private debt-related wants.

The course will cowl elements that usually have an effect on a person’s means to entry credit score, together with the 5 C’s of credit score capability:

1. Character

2. Capability

3. Capital

4. Collateral

5. Situations

Learners will be taught in regards to the equal credit score alternative act (ECOA). We will even talk about choices for a person if denied credit score.

The course will talk about credit score prices, mortgage elements, and trade-offs when making credit-related selections.

We will even take a look at curiosity calculation strategies, a vital subject for understanding private financing and making useful monetary selections.

The course will embody instance issues to make ideas extra concrete.

It’s going to even have observe issues, together with downloadable Excel Workbooks, which customers may additionally open utilizing Google Sheets.

The Excel Workbooks will usually have no less than two tabs. One tab may have the reply key so learners can deconstruct the issue. The second tab is the place we work the observe drawback step-by-step together with the academic movies.



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