Lecture Personal finance - Chapter 6: Using credit

  • 30/08/2018 05:17:08
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Giới thiệu

In this chapter, you will learn to: Describe the reasons for using consumer credit and identify its benefits and problems; develop a plan to establish a strong credit history; distinguish among the different forms of open account credit; apply for, obtain, and manage open forms of credit; choose the right credit cards and recognize their advantages and disadvantages; avoid credit problems, protect yourself against credit card fraud, and understand the personal bankruptcy process.

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GITMAN/ JOEHNK/ BILLINGSLEY N4 6 Using Credit Copyright ©2016 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. LEARNING OUTCOMES 1 Describethereasonsforusingconsumercreditand identifyitsbenefitsandproblems 2 Developaplantoestablishastrongcredithistory 3 Distinguishamongthedifferentformsof open accountcredit 4 Applyfor,obtain,andmanageopenformsof credit Copyright ©2016 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. PFI4 | CH6 LEARNING OUTCOMES (continued) 5 Choosetherightcreditcardsandrecognizetheir advantagesanddisadvantages 6 Avoidcreditproblems,protectyourself against creditcardfraud,andunderstandthepersonal bankruptcyprocess Copyright ©2016 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. PFI4 | CH6 The Basic Concepts of Credit • Why we use credit • Avoid paying cash for large outlays • Meet a financial emergency • Convenience • Investment purposes • Improper uses of credit • Meet basic living expenses • Make impulse purchases • Purchase non-durable goods Copyright ©2016 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in part. PFI4 | CH6 Credit Crisis on Borrowers ouseholds were unable to repay the mortgages onthly consumer credit payments (excluding mortgage) should not exceed 20% of monthly net income ebt Safety Ratio = Copyright ©2016 Cengage Learning. All Rights Reserved. May not be scanned, copied or duplicated, or posted to a publicly accessible website, in whole or in ymentsFI4 | CH6 ... - tailieumienphi.vn

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