FINANCIAL MANAGEMENT - University of Texas at Austin财务管理在奥斯汀的德克萨斯大学.pptVIP

FINANCIAL MANAGEMENT 29 AUG 05 OC CARUSO OVERVIEW BUDGETS CREDIT CARDS IDENTITY THEFT BUDGETS WHAT YOU’RE GETTING DON’T FORGET TAXES WHAT YOUR BILLS ARE MAKE A LIST OF RECURRING BILLS HOW MUCH EACH BILL REQUIRES SHOOT HIGH! MAKE IT FIT!! BEWARE: PITFALLS!! FOOD PARTYING BEER (IF YOU’RE 21…DIFFERENT BRIEF) COVERCHARGES ENTERTAINMENT MOVIES VIDEOGAMES CREDIT CARDS NOT FREE MONEY!!! VISA WANTS YOU! TARGETS COLLEGE STUDENTS NEW FINANCIAL INDEPENDENCE INTEREST RATES HIDDEN CHARGES Introduction While you probably can’t prevent identity theft entirely, you can minimize your risk By managing your personal information wisely, cautiously, and with an awareness of the issue, you can help guard against identity theft Manage Your Personal Information Order a copy of your credit report from each of the three major credit bureaus Place passwords on your credit card, bank, and phone accounts Secure personal information in your home Ask about information security procedures in your workplace Maintain Vigilance Don’t give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with Guard your mail and trash from theft Before revealing identifying information, ask how it will be used and secured and if it will be shared with others Maintain Vigilance Continued Don’t carry your SSN card; leave it in a secure place Limit the identification information and the number of credit/debit cards that you carry Keep your purse and wallet in a safe place at work Consider Your Computer Update virus protection software regularly Don’t download files or click on hyperlinks from strangers Use a firewall Use a secure browser Consider Your Computer Continued Do not store financial information on your laptop Avoid using an automatic log-in feature Delete any personal information stored on your computer before you dispose of it Read web site privacy policies Social Security Numbers If someone asks for your SSN, ask the following questions: W