Financial Literacy Financial Aid Personal Finance Financial Aid

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Financial Literacy

Financial Literacy

Financial Aid & Personal Finance Financial Aid Personal Finance The total cost of a

Financial Aid & Personal Finance Financial Aid Personal Finance The total cost of a Year (two semesters) at a college includes: It’s the ways in which we obtain, budget, save, and spend monetary resources over time, taking into account various financial risks and future life events. ● Tuition Fees ● Living costs ("Room") ● Cost for food ("Board") ● Cost for books ● Travel related costs (typically two round trips to/from your home per year) ● Stock market ● Retirement plans ● Social security benefits ● Insurance ● Income Tax

Hello! I am Amadou Bah IDIS CLASS You can follow me on Twitter: @Millionaire.

Hello! I am Amadou Bah IDIS CLASS You can follow me on Twitter: @Millionaire. Pac No Instagram : /

Financial Aid FSA FSA FSA. . .

Financial Aid FSA FSA FSA. . .

Academic Center, Room 126 Call or Email Office Hours: Monday and Tuesday: 8: 30

Academic Center, Room 126 Call or Email Office Hours: Monday and Tuesday: 8: 30 a. m. -6 p. m. Wednesday and Thursday: 8: 30 a. m. -5 p. m. Friday: 8: 30 a. m. -2 p. m.

subsidized loan VS unsubsidized loan ✖ Subsidized means that the government is paying the

subsidized loan VS unsubsidized loan ✖ Subsidized means that the government is paying the interest that the loan. ✖ Unsubsidized means that the government is not doing this, and it is for you to pay.

Numbers! How much is tuition for a full time and part time student? &

Numbers! How much is tuition for a full time and part time student? & What is finish for free?

Ready? Full Time: $4, 412 for 12 credits. Part Time: $1, 204 for 3

Ready? Full Time: $4, 412 for 12 credits. Part Time: $1, 204 for 3 credits, $2, 383 for 6 credits, and $3, 562 for 9 credits. At UB, your final semester's tuition is free. The school will cover tuition for your final semester if you graduate after eight full-time semesters.

w. ORK STUDY AND/OR CAMPUS JOB Download the APP “Careers” Login into your UB

w. ORK STUDY AND/OR CAMPUS JOB Download the APP “Careers” Login into your UB Portal…

Checking account vs. saving account ➧ No Interest ➧ No limit on number of

Checking account vs. saving account ➧ No Interest ➧ No limit on number of transactions. ➧ No minimum balance requirement. ➧ Get Interest ➧ Limited number of free transactions ➧ Banks have a minimum balance requirement for Savings Accounts

What is credit? What is a credit score? Why is it important? ❏ What

What is credit? What is a credit score? Why is it important? ❏ What you are permitted to borrow; (borrowing money you’ll pay back) ❏ A credit score is basically single number based on trustworthy you are from the perspective of someone who would GIVE you money. ❏ If it’s low; being in the “bad” range, you won’t be qualified as trustworthy.

GOOD c. REDIT SCORE ❏ 720 -800 is generally a good range to aim

GOOD c. REDIT SCORE ❏ 720 -800 is generally a good range to aim for & highest to get. Anything above that and you'll be in the "very good" to "excellent" range and you should qualified for competitive interest rates on most loan types.

Thanks! Any questions? You can find me at: @Millionaire. Pac amadou. bah@ubalt. edu

Thanks! Any questions? You can find me at: @Millionaire. Pac amadou. bah@ubalt. edu