ࡱ>    c Cjbjb&& SDD^=%<<<<<<<$H:H:H:P:;~h; ="===> I,M,R8#<N>>NN#O<<==8OOON<=<=O`d@<<<<NOO*<<; H:UORLN0~k>"O"O<D5H:H:Teaching Notes So You Want to Buy a Pony? A Case for Financial Literacy By Michelle Aguilar-Wells Learning Objectives: To understand the need for personal budgeting To understand the impact of consumer spending on financial health To begin to understand how credit works and affects personal financial health To understand how to prepare for major expenditures within budgetary constraints and make wise decisions Audience: Suitable for high school, college students, and anyone who does not understand the basics of credit management or personal budgeting. Keywords: financial literacy, credit management, consumer purchasing, personal budgeting Implementation: The case can be completed in a few hours or a few weeks depending on the level and depth the facilitator wishes to take it. It was designed to carry over at least two class sessions. Part 1 is designed as a warm up, takes some internet research, and should not take long to complete. Part 2 is involved and is where the majority of the work happens. Small group discussions are helpful in addressing the key questions in the case as the students address each issue. Students will need to access the suggested websites or similar sites to move beyond a cursory look at the subject. They can work individually through homework assignments or in small groups in class to explore the issues. Some assumptions will have to be made. Faculty can organize the inquiry sections as they prefer and print the Matrixes located at the end of the teaching notes to help their students work through the exercises. This exercise is designed to, at the very least, get students thinking about financial literacy and what that means. If the exercises are followed students will know how to plan for financial stability and get help developing their own financial health. Part 3 is the culminating exercise in the case and is meant to use criteria from the case, the work and research from part 1 and 2 to help students think critically and analytically about credit management and their own finances. Discussion Questions: Part 1 Discuss how families can separate need and wise purchasing from desire and impulse spending. If this family were able to save some money on their purchase, in what other ways could those savings (money) be used? Is it their goal to purchase the most expensive vehicle possible or is it about tradeoffs? List the factors that Nancy and Jeff need to consider when buying a new Pony? Explain the rational for each answer. (instructor notes: use Decision Making Matrix A and B to help students work through this) Discuss the possible consequences of obtaining credit and buying a car without having a plan? (many people walk into a dealership or used car lot and leave with a car as their first experience) Discussion Questions and Exercises: Part 2 Given the cost analysis from Part 1, what vehicles should they buy and why? Review the following websites for help in deciding. How do you buy a car? What should be factored in? Carbon footprint, cost of maintenance, down payment needed, new or used, insurance costs, gas mileage, maintenance, primary use?  HYPERLINK "http://auto.howstuffworks.com/buying-selling/car-buying.htm" http://auto.howstuffworks.com/buying-selling/car-buying.htm (How Stuff Works, How to Buy a Car by Alison Klein)  HYPERLINK "http://auto.howstuffworks.com/buying-selling/car-buying3.htm" http://auto.howstuffworks.com/buying-selling/car-buying3.htm (How Stuff Works, How to Buy a Car (Part 2) by Alison Klein)  HYPERLINK "http://www.edmunds.com/?mktcat=edmunds&kw=edmunds.com&mktid=ga242119" http://www.edmunds.com/?mktcat=edmunds&kw=edmunds.com&mktid=ga242119 (Edmunds.com, Find Your Next Car) Interest rates are a large part of the real price of a car. Have students complete The Interest Rate Matrix C to get a better picture of the impact in interest rates. Assume Jeff and Nancy buy a vehicle for $19,900.00 with no down payment. The loan is for five years (60 months) at 7.9% APR. Using a loan calculator figure out how much their monthly payment would be. Then figure out what it would be if they put $3,500.00 down and how much they would save in interest payments. Should they put a down payment on it? If so how much? Many dealers offer $1,000 or more cash at time of purchase. Should they take the cash or put it into the down payment? Which would be better?  HYPERLINK "http://www.wisegeek.com/what-is-an-apr.htm" http://www.wisegeek.com/what-is-an-apr.htm (What is an APR?) What is so important about the interest rate percentage? What is amortization and why is it important to you? How do you figure the interest? What is the difference between making a minimum payment and increasing a payment? How much do you spend on interest over the course of a loan?  HYPERLINK "http://www.webmath.com/amort.html" http://www.webmath.com/amort.html (Amortization Schedule for a Loan)  HYPERLINK "http://www.bankrate.com/calculators/mortgages/loan-calculator.aspx" http://www.bankrate.com/calculators/mortgages/loan-calculator.aspx (Loan Calculator and Amortization) Why are cars easier to buy than other consumer goods? What are collateral loans?  HYPERLINK "http://www.worldwideloans.com/collateralized_loans.htm" http://www.worldwideloans.com/collateralized_loans.htm (Collateral, Collateral loan, and Collateralized loans, What You Really Need to Know, by Diversified Funding, International) Using the websites below or similar websites and your own knowledge, what is the maximum car payment that you think Jeff and Nancy can afford? Develop a household budget to determine the amount. Use a payroll deduction calculator to determine the take home pay.  HYPERLINK "http://www.bankrate.com/finance/money-guides/free-household-budgeting-worksheet.aspx" http://www.bankrate.com/finance/money-guides/free-household-budgeting-worksheet.aspx (Free Household Budgeting worksheet)  HYPERLINK "http://www.ourfamilyplace.com/budget1.html" http://www.ourfamilyplace.com/budget1.html (Free household budgeting worksheet)  HYPERLINK "http://www.jeanchatzky.com/topics/budgeting/a-budget-breakdown/" http://www.jeanchatzky.com/topics/budgeting/a-budget-breakdown/ (Budgeting Breakdown, by Jean Chatzky)  HYPERLINK "http://www.rayfowler.org/2009/02/18/budget-calculator/" www.rayfowler.org/2009/02/18/budget-calculator/ (Budget Calculator)  HYPERLINK "http://www.bankrate.com/calculators/tax-planning/payroll-tax-deductions-calculator.aspx" http://www.bankrate.com/calculators/tax-planning/payroll-tax-deductions-calculator.aspx (Payroll Deductions Calculator)  HYPERLINK "http://www.moneychimp.com/features/tax_brackets.htm" http://www.moneychimp.com/features/tax_brackets.htm (Tax Rate Calculator) Why is having a household budget important?? Why are Jeffs grades important?  HYPERLINK "http://www.carinsurancerates.com/news/148-good-grades-lower-car-insurance-rates.html%20" http://www.carinsurancerates.com/news/148-good-grades-lower-car-insurance-rates.html (Good Grades, Car Insurance Rates)  HYPERLINK "http://www.autos.com/auto-insurance/how-good-grades-affect-student-car-insurance-rates" http://www.autos.com/auto-insurance/how-good-grades-affect-student-car-insurance-rates (How Good Grades Affect Car Insurance Rates) Figure Jeffs and Nancys debt to income ratio. Why is this important? How will it impact their ability to buy a car? What is the maximum car payment that you think Jeff and Nancy can afford? Did it change from the first estimate?  HYPERLINK "http://www.ehow.com/how_7226_calculate-debt-income.html" http://www.ehow.com/how_7226_calculate-debt-income.html (How to Calculate Debt to Income ratio)  HYPERLINK "http://credit.about.com/od/reducingdebt/ss/dtiratio.htm" http://credit.about.com/od/reducingdebt/ss/dtiratio.htm (How to Calculate Debt to Income, by LaToya Irby) After studying how credit scores are determined by reviewing the following or similar websites, what range do you think Jeffs and Nancys credit score would fall? CBS news story on understanding your credit score  HYPERLINK "http://www.cbsnews.com/stories/2003/04/29/earlyshow/contributors/raymartin/main551521.shtml?tag=mncol;lst;3" http://www.cbsnews.com/stories/2003/04/29/earlyshow/contributors/raymartin/main551521.shtml?tag=mncol;lst;3 (Understanding Your Credit Score, by Tatiana Morales, CBS News) What is a credit score and how does it impact loans and credit availability?  HYPERLINK "http://www.bankrate.com/finance/credit-cards/what-is-a-credit-score.aspx" http://www.bankrate.com/finance/credit-cards/what-is-a-credit-score.aspx (What is a Credit Score? by Leslie McFadden) How to Understand your Credit Score or Read your Credit Report  HYPERLINK "http://www.ehow.com/how_2059093_credit-score-read-credit-report.html" http://www.ehow.com/how_2059093_credit-score-read-credit-report.html  HYPERLINK "http://www.bestcredit.com/credit-repair/improve-credit-scores.html" Credit Ratings: Understanding FICO Scores  HYPERLINK "http://www.bestcredit.com/credit-repair/improve-credit-scores.html" http://www.bestcredit.com/credit-repair/improve-credit-scores.html (Credit Ratings: Understanding FICO scores, by Dana Neal)  HYPERLINK "http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm" http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htm (How Your Credit Score is Calculated, by Janet Wickell) How does a credit score affect the ability to purchase a car or obtain other credit? How does the credit score affect the interest amount? Do you think Jeff and Nancy can get credit to buy a car? Why or why not? After reviewing the following websites and questions, do you think there are steps that Nancy and Jeff can take to improve their financial health? What is the cost of credit cards? Why have credit cards? How do you manage them and what can you do if you get overwhelmed?  HYPERLINK "http://www.suite101.com/content/developing-personal-debt-management-plans-a212958" http://www.suite101.com/content/developing-personal-debt-management-plans-a212958 (Developing Personal Debt Management Plans, by Katrina Dayrit)  HYPERLINK "http://www.debtfirms.com/money-management.html" http://www.debtfirms.com/money-management.html (Personal Money Management for Debt Relief)  HYPERLINK "http://homebuying.about.com/cs/yourcreditrating/a/improve_score.htm" http://homebuying.about.com/cs/yourcreditrating/a/improve_score.htm (How to Improve Your Credit Scores) What is a secured credit card?  HYPERLINK "http://www.bankrate.com/finance/credit-cards/10-questions-before-getting-a-secured-credit-card-1.aspx" http://www.bankrate.com/finance/credit-cards/10-questions-before-getting-a-secured-credit-card-1.aspx (10 Questions Before Getting A Secured Credit Card) What do you do if you dont have credit?  HYPERLINK "http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htm" http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htm (How to Establish Credit, by Jeremy Vohwinkle) HUD funded housing authorities do not report payment history to the credit bureaus. What are the pros and cons of that? How might that affect Jeff and Nancys credit score? What might they do about that? Repeat: What are the possible consequences of obtaining credit and buying a car without having a plan? (many people walk into a dealership or used car lot and leave with a car as their first experience) Discussion Questions and Exercises: Part 3 Write individually or discuss in small groups the rest of the story. Given the financial facts of the case, the exercises that you completed, and the information gained from your research, answer the following questions as completely as possible and make assumptions when needed. If you were them, what pony would you have purchased and why? Explain the rationales in depth. What were the financial details, interest rate, term of loan, payment, down payment, etc? How did this decision impact their family budget? What it easily absorbed or did major spending patterns have to change? What affect, if any, do you think their credit history played in their decision and why? What steps do you think they should take to secure their future financial health? Decision Making: Matrix A Fill in the blanks regarding the type of driving and transportation purposes that Nancy and Jeff need. Then rank them as to frequency or importance. Determine who needs the additional vehicle and what kind of vehicle they might need in general to meet family need. Nancys vehicle needsTransport 2 childrenTransport kids and family members to games Jeffs vehicle needsGet to work over snowy conditions hunting Decision Making: Matrix B Have students research the costs associated with each type of the following vehicles by brand: van, full size pickup, smaller pickup, and all-wheel drive small suv with good interior space. When looking at used cars make sure that they compare costs of vehicles with 75,000 miles or less. They can choose to compare two brands in each category. Good sources of information include  HYPERLINK "http://www.edmunds.com" www.edmunds.com and Kelly Blue Book  HYPERLINK "http://www.kbb.com" www.kbb.com. Students might also want to look at the National Traffic Safety Administration website. By typing in cost of automobile insurance by type students can research the cost of insurance for the cars they are looking at. Vehicle Vehicle cost new & cost 5 years oldGas mileage rateCost of gas for average monthly use Average yearly Cost of insuranceAverage yearly Maintenance cost Reliability ratingSafety ratingVAN: Toyota Sienna or? VAN: Dodge Caravan or? Full Pick UP: Full Pick UP: Sm. Pick UP: Sm. Pick UP: SUV: SUV:  Interest Rate: Matrix C Interest rates are a large part of the real price of a car. When buying a car your interest rate factors depend on where you get financing (bank, credit union, or dealership), whether it is a new or used car, the mileage on the car, the amount of your down payment and what your credit score is. Someone with excellent credit, buying a new vehicle might be eligible for 0% down and an incredibly low interest rate such as 1.99% for 48 months. To get a better understanding of these impacts, complete the following matrix using an amortization schedule calculator. In order to complete the matrix, choose 3 vehicles from Matrix B and fill in the blanks. What are the best deals? How does the length of the loan affect the interest and the payments? How important is getting the best interest rates and what does it affect? What is the final cost of the vehicle? Vehicle CostDealer offer 12.5%Length of Loan 48 months = monthly paymentInterest paid over the length of the loanTotal cost of vehicleLength of Loan 60 months = monthly paymentInterest paid over the length of the loanTotal cost of vehicleCredit Union Offer 8.9%Length of Loan 48 months = monthly paymentInterest paid over the length of the loanTotal cost of vehicleLength of Loan 60 months = monthly paymentInterest paid over the length of the loanTotal cost of vehicleToyota Sienna New24,560652.006,774.0031,334.552.008,593.0033,151.610.004,720.0029,280.508.005,958.0030,518.Toyota Sienna 5 yrs. old, under 75K18,995 Dealer Offer 9.9%Credit Union Offer 7.9%   Dealer Offer 5.9%Credit Union Offer 4.9%       PAGE  PAGE 6 +Idef{5?/ 4 & ,-]_ -.QRԧԧԙԈt'jh5h7OJQJU^J!jh5h7OJQJU^Jho2h75OJQJ^J$h5h76B*OJQJ^Jphh5h75OJQJ\^Jh7OJQJ^Jh5h7OJQJ^Jh5h756OJQJ^Jh5h75OJQJ^J'IMdef{945' ( -.`/ & F hhx^hgd7 & Fgd7gd7$a$gd7^CC/Q;=NZVW & Fgd7 T^Tgd7 & F ^gd7 & F 88^8gd7 & Fgd7gd7 & F hhx^hgd7YZ[)*+opqůwbIwŞ<h5h7OJQJ^J0jh5h7B*OJQJU^Jph)h*h7B*CJOJQJ^JaJphh7B*OJQJ^Jph0j}h5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jph h*h7CJOJQJ^JaJh7OJQJ^J!jh5h7OJQJU^Jh5h70JOJQJ^J=>vwx)*+MNOֱŢŘq`Gqq9`qh7B*OJQJ^Jph0j~h5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jph h*h7CJOJQJ^JaJh7OJQJ^Jh5h70JOJQJ^J'jh5h7OJQJU^J!jh5h7OJQJU^Jh5h7OJQJ^Jhjh75OJQJ^Jho2h75OJQJ^JOZ[UVlmտ|oV|o=0j h5h7B*OJQJU^Jph0j,h5h7B*OJQJU^Jphh5h7OJQJ^J)h*h7B*CJOJQJ^JaJph h*h7CJOJQJ^JaJh7B*OJQJ^Jphh5h70JOJQJ^J*jh5h7B*OJQJU^Jph0jh5h7B*OJQJU^Jph!h5h7B*OJQJ^JphWlL !"#9$$$%& (( & F ^gd7 & F  gd7 & F ^gd7 & F 88^8gd7gd7 & Fgd7%&'KLM&'(ghiͼ۫ͼ|kR||Dh7B* OJQJ^Jph0j h5h7B* OJQJU^Jph!h5h7B* OJQJ^Jph*jh5h7B* OJQJU^Jph0j h5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph h*h7CJOJQJ^JaJh7B*OJQJ^Jph*jh5h7B*OJQJU^Jphh5h70JOJQJ^J> ? @ s t u @!ᲡҲziPҲzi0jh5h7B*OJQJU^Jph h*h7CJOJQJ^JaJh7B*OJQJ^Jph0j h5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jphh7OJQJ^Jh5h70JOJQJ^Jh5h7OJQJ^J!jh5h7OJQJU^J@!A!B!!!!!!! "!"""x"y"z"""#####$$$9$:$$$$$$$ھھzھfzھRz'jh5h7OJQJU^J'jh5h7OJQJU^Jh7OJQJ^J'jWh5h7OJQJU^J)h*h7B*CJOJQJ^JaJph h*h7CJOJQJ^JaJh5h7OJQJ^Jh5h70JOJQJ^J!jh5h7OJQJU^J'j$h5h7OJQJU^J $$%%%=&>&?&&&&&&9':''ҽҧwbL;!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jph)h*h7B*CJOJQJ^JaJph'h*h70J5CJOJQJ^JaJh70J5OJQJ^Jh5h70JOJQJ^J*jh5h7OJQJU\^J(jh5h70J5OJQJU^Jh5h70J5OJQJ^Jh5h7OJQJ^J h*h7CJOJQJ^JaJ'''''' (I(J(((((((((6)7)Ѵi\P=/=h5h7OJQJ\^J$jh5h7OJQJU\^Jh7B*CJaJphh5h70JCJaJ,jh5h7B*CJUaJph&jh5h7B*CJUaJphh5h7B*CJaJph h*h7CJOJQJ^JaJh7B*OJQJ^Jphh5h70JOJQJ^J*jh5h7B*OJQJU^Jph0jh5h7B*OJQJU^Jph7)`)a)b)c)))))))3*4*******޸ޭt[L>h7B*OJQJ^Jphh5h70JOJQJ^J0jh5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jph#h*h7CJOJQJ\^JaJh7OJQJ\^Jh5h70JOJQJ\^J*jh5h7OJQJU\^J$jh5h7OJQJU\^Jh5h7OJQJ\^J(3*+X++++l,,-{.8/W/i00a1b112 & Fgd7  ^gd7 & Fgd7 & Fgd7 & F  gd7 & F gd7 ^gd7 & F 88^8gd7 & F  ^gd7*++,,L-M-N-------...M.N.O.{.|..кs^Esﺩ0j"h5h7B*OJQJU^Jph)h*h7B*CJOJQJ^JaJphh7B*OJQJ^Jphh5h70JOJQJ^J0jMh5h7B*OJQJU^Jph!h5h7B*OJQJ^Jph*jh5h7B*OJQJU^Jphh5h7OJQJ^J#h*h7CJOJQJ\^JaJ h*h7CJOJQJ^JaJ...///7/8/W/X////203050i0000Ѵp\ppRA!h5h7B*OJQJ^Jphh7OJQJ^J'j h5h7OJQJU^J!jh5h7OJQJU^Jh5h7OJQJ^J)h*h7B*CJOJQJ^JaJph h*h7CJOJQJ^JaJh7B*OJQJ^Jphh5h70JOJQJ^J*jh5h7B*OJQJU^Jph0jkh5h7B*OJQJU^Jph000/10121`1a1b112222(3)3#6=6M7N7O7Ѵ}p}pbRpBp8ph7OJQJ^Jh5h75>*OJQJ^Jh5h75OJQJ\^Jh5h75OJQJ^Jh5h7OJQJ^J!h5h7B*OJQJ^Jph)h*h7B*CJOJQJ^JaJph h*h7CJOJQJ^JaJh7B*OJQJ^Jphh5h70JOJQJ^J*jh5h7B*OJQJU^Jph0j-"h5h7B*OJQJU^Jph122222)3*3C444w55"6#6=6>666M7N7O7e7z77 $Ifgd7 & F 88^8gd7 & F hh^hgd7gd7 & Fgd7T^Tgd7O7e7777778q888999999999::: ::ƶwcwTww@wTw'j*h5h7OJQJU^Jh5h70JOJQJ^J'j*h5h7OJQJU^J!jh5h7OJQJU^J$h5h76B*OJQJ^Jphh5h76OJQJ^Jh5h7OJQJ^Jh5h75>*OJQJ^Jh75>*OJQJ^Jh5h75OJQJ^Jhah7OJQJ^J!hah7B* OJQJ^Jph7777777777777777777777888::gd7Ff(Ff$ $Ifgd7:::;;;;;;<<!<*<:<C<T<]<e<n<v<<<<<???@0@2@3@@@A A~lWll)hah7B*CJOJQJ^JaJph#hah75CJOJQJ^JaJh7OJQJ^J$h5h76B*OJQJ^Jphh5h75>*OJQJ^J)hah7B* CJOJQJ^JaJphhah7OJQJ^J hah7CJOJQJ^JaJ)hah7B* CJOJQJ^JaJphh5h7OJQJ^J"::;-;R;s;;;;;;;;;;;;;;;;;;;;;;;Ff0Ff- $Ifgd7;;;;;;;<<< < < < < <<<<<< <!<"<#<$<%<&<'<Ff;8Ffu4 $Ifgd7'<(<)<*<7<8<9<:<;<<<=<><?<@<A<B<C<P<Q<R<S<T<U<V<W<X<Y<Z<Ff?Ff< $Ifgd7Z<[<\<]<b<c<d<e<f<g<h<i<j<k<l<m<n<s<t<u<v<w<x<y<z<{<|<}<FfSGFfC $Ifgd7}<~<<<<>>??@ @@@!@0@L@v@@@@@ AAA:AdAzAAgd7FfK $Ifgd7 AAAAAAbBcBBBBBBBBBBBBBB6C7C:CICJCMC\C]C^C_CaCbCdCeCgChCjCkCqCrCsCuCvC|C}C~CCCCCллллллллдh70JmHnHu h70Jjh70JUh7jh7U h5h7)hah7B* CJOJQJ^JaJphhah7OJQJ^J#hah75CJOJQJ^JaJ hah7CJOJQJ^JaJ2AAAAAABBBBB B)B1B2B9BBBJBQBZBbBcBBBBBBBFfKWFfKP $Ifgd7BBBBBBBBBBBBBBBBBBBBBBBBBBBBBFfK^ $Ifgd7BBBBBBBBBBBBBBBBBBBBBBBBBBBBFfKlFfKe $Ifgd7BBBBBBBBBBBBBBBBBC CCCCCCCC+C0C1CFfKs $Ifgd71C2C3C4C5C6C7C8C9C:C;CC?C@CACBCCCDCECFCGCHCICJCKCLCFfKFfKz $Ifgd7LCMCNCOCPCQCRCSCTCUCVCWCXCYCZC[C\C]C^C`CaCcCdCfCgCiCjCgd7FfK $Ifgd7jCsCtCuCCCCCCgd7 &`#$gd7&1h:p7/ =!"#$%)1h0:p7= /!"#$%}DyK <http://auto.howstuffworks.com/buying-selling/car-buying.htmyK http://auto.howstuffworks.com/buying-selling/car-buying.htmyX;H,]ą'cDyK =http://auto.howstuffworks.com/buying-selling/car-buying3.htmyK http://auto.howstuffworks.com/buying-selling/car-buying3.htmyX;H,]ą'cDyK Ehttp://www.edmunds.com/?mktcat=edmunds&kw=edmunds.com&mktid=ga242119yK http://www.edmunds.com/?mktcat=edmunds&kw=edmunds.com&mktid=ga242119yX;H,]ą'cDyK yK nhttp://www.wisegeek.com/what-is-an-apr.htmyX;H,]ą'cDyK "http://www.webmath.com/amort.htmlyK \http://www.webmath.com/amort.htmlyX;H,]ą'cDyK Chttp://www.bankrate.com/calculators/mortgages/loan-calculator.aspxyK http://www.bankrate.com/calculators/mortgages/loan-calculator.aspxyX;H,]ą'ciDyK 7http://www.worldwideloans.com/collateralized_loans.htmyK http://www.worldwideloans.com/collateralized_loans.htmyX;H,]ą'c3DyK yK http://www.bankrate.com/finance/money-guides/free-household-budgeting-worksheet.aspxyX;H,]ą'c9DyK +http://www.ourfamilyplace.com/budget1.htmlyK nhttp://www.ourfamilyplace.com/budget1.htmlyX;H,]ą'cDyK @http://www.jeanchatzky.com/topics/budgeting/a-budget-breakdown/yK http://www.jeanchatzky.com/topics/budgeting/a-budget-breakdown/yX;H,]ą'c9DyK yK http://www.bankrate.com/calculators/tax-planning/payroll-tax-deductions-calculator.aspxyX;H,]ą'c]DyK 4http://www.moneychimp.com/features/tax_brackets.htmyK http://www.moneychimp.com/features/tax_brackets.htmyX;H,]ą'c3DyK yK http://www.carinsurancerates.com/news/148-good-grades-lower-car-insurance-rates.htmlyX;H,]ą'c7DyK yK http://www.autos.com/auto-insurance/how-good-grades-affect-student-car-insurance-ratesyX;H,]ą'cDyK yK http://www.ehow.com/how_7226_calculate-debt-income.htmlyX;H,]ą'cDyK yK http://credit.about.com/od/reducingdebt/ss/dtiratio.htmyX;H,]ą'caDyK yK http://www.cbsnews.com/stories/2003/04/29/earlyshow/contributors/raymartin/main551521.shtml?tag=mncol;lst;3yX;H,]ą'cDyK Ihttp://www.bankrate.com/finance/credit-cards/what-is-a-credit-score.aspxyK http://www.bankrate.com/finance/credit-cards/what-is-a-credit-score.aspxyX;H,]ą'cDyK yK http://www.ehow.com/how_2059093_credit-score-read-credit-report.htmlyX;H,]ą'cDyK yK http://www.bestcredit.com/credit-repair/improve-credit-scores.htmlyX;H,]ą'cDyK Chttp://homebuying.about.com/cs/yourcreditrating/a/credit_score.htmyK http://homebuying.about.com/cs/yourcreditrating/a/credit_score.htmyX;H,]ą'cDyK Rhttp://www.suite101.com/content/developing-personal-debt-management-plans-a212958yK http://www.suite101.com/content/developing-personal-debt-management-plans-a212958yX;H,]ą'cIDyK /http://www.debtfirms.com/money-management.htmlyK vhttp://www.debtfirms.com/money-management.htmlyX;H,]ą'cDyK Dhttp://homebuying.about.com/cs/yourcreditrating/a/improve_score.htmyK http://homebuying.about.com/cs/yourcreditrating/a/improve_score.htmyX;H,]ą'c%DyK fhttp://www.bankrate.com/finance/credit-cards/10-questions-before-getting-a-secured-credit-card-1.aspxyK http://www.bankrate.com/finance/credit-cards/10-questions-before-getting-a-secured-credit-card-1.aspxyX;H,]ą'cDyK Fhttp://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htmyK http://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htmyX;H,]ą'c&$$If!vh55T5U5U5T5U5U#vU#vT#vU#vT#v:V l t0$65U5T5U5T5pFkd#$$Ifl֞8 64$TUUTUU t0$64 l4apF&$$If!vh55T5U5U5T5U5U#vU#vT#vU#vT#v:V l t0$65U5T5U5T5pFkd&$$Ifl֞8 64$TUUTUU t0$64 l4apFDyK www.edmunds.comyK Hhttp://www.edmunds.com/yX;H,]ą'cDyK  www.kbb.comyK @http://www.kbb.com/yX;H,]ą'c_$$If!vh5X555585585#v#v8#v#v8#v#v#v#vX:V l t0H$5585585555XpP!kd+$$Iflִ 4 !#X88 t0H$    4 l4apPq$$If!v h5X5555585585 #v #v8#v#v8#v#v#v#vX:V l t0H$5 585585555XpZQkd$$Ifl  4 !#X88 t0H$$$$$4 l4apZq$$If!v h5X5555585585 #v #v8#v#v8#v#v#v#vX:V l t0H$5 585585555XpZQkdB$$Ifl  4 !#X88 t0H$$$$$4 l4apZq$$If!v h5X5555585585 #v #v8#v#v8#v#v#v#vX:V l t0H$5 585585555XpZQkdE$$Ifl  4 !#X88 t0H$$$$$4 l4apZq$$If!v h5X5555585585 #v #v8#v#v8#v#v#v#vX:V l t0H$5 585585555XpZQkdI$$Ifl  4 !#X88 t0H$$$$$4 l4apZ$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdlM$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdlT$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdl[$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdlb$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdli$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdlp$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdlw$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdl~$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠$$If!vh555555555 5 5 5 5 5 55#v#v#v #v #v #v #v #v #v#v#v#v#v#v#v#v:V l ` td07555 5 5 5 5 5 55555555p֠kdl$$Ifld "&) -0 47 ` td07@@@@4 l4ap֠L@L Normal$CJOJQJ^J_HaJmH sH tH X@X r Heading 1dd@&[$\$CJ0KH$OJQJ^JaJ0DA@D Default Paragraph FontRi@R  Table Normal4 l4a (k(No List 6U@6  I Hyperlink >*B*phFV@F 6FollowedHyperlink >*B* phHH V Balloon TextCJOJQJ^JaJ4 @"4 MFooter  !.)@1. M Page NumberN^@BN [ Normal (Web)dd[$\$ OJQJ^JjSj O7 Table Grid7:V0JbJ -( Footnote TextCJOJQJ^JaJ@&@q@ -(Footnote ReferenceH**W@* aStrong5\6=( z z z z z v b+16=!IMdef{945'(-.` /   Q  ;=NZVWlL9 ""3$%X%%%%l&&'{(8)W)i**a+b+1,2,,,)-*-C...w//"0#0=0>000M1N1O1e1z111111111111111111111112224445-5R5s55555555555555555555555555555666 6 6 6 6 666666 6!6"6#6$6%6&6'6(6)6*6768696:6;6<6=6>6?6@6A6B6C6P6Q6R6S6T6U6V6W6X6Y6Z6[6\6]6b6c6d6e6f6g6h6i6j6k6l6m6n6s6t6u6v6w6x6y6z6{6|6}6~66668899: :::!:0:L:v::::: ;;;:;d;z;;;;;;;<<<<< <)<1<2<9<B<J<Q<Z<b<c<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<= ========+=0=1=2=3=4=5=6=7=8=9=:=;=<===>=?=@=A=B=C=D=E=F=G=H=I=J=K=L=M=N=O=P=Q=R=S=T=U=V=W=X=Y=Z=[=\=]=^=s=t=u====0@{0@{0@{0@{0@{0@{0@{0@{ 0@{ 0@{ 0@{ 0@{0@{0@{0@{0@{0@{0@{0@{0@{0@{0@{0@{ 0@{ 0@{ 0@{0@pz0@pz 0@pz 0 @pz 0 @pz 0 @pz 0 @pz0@pz 0@pz 0@pz 0;@pz 0;@pz 0;@pz 0@pz 0@pz 0;@pz 0@pz0@pz 0@pz0@pz 0W@pz 0@pz 0@pz 0@pz 0@pz 0@pz 0@pz 0W@pz 0W@pz 00 00 0W0 00 0000 00 00 00 00 0 "0 0 "0 0 "0 0 "0 0 "00 "0 0 "0 0% "0 0l& "0 0l& "0 0l& "0 0% "0 08) "0 0% "0 0i* "00 "0 0 "00 "0 0 "00 "00 "00 "0 0 "0 0*- "0 0*- "0 0*- "0 0*- "0 0*- "0000000000000000000 00 000000 00 00 00 00 00 00 00000000 00 00 00 00 00 00 000000000000000000 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 00000000 00 00 00 00 00 00 00 00 00 0000000000 00 00 00 00 00 00 00 00 00 00000000 00 00 00 00 00 00 00 00 00 00000000 00 00 00 00 00 00 00 00 00 00000000000000 00 000000 0000 00 00 00 00 00 0000 0000 00 00 00 00 00 00 0000 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 0000 00 0000 00 00 00 00 00 00 0000 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 0000 00 0000 00 00 00 00 00 00 0000 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 000000 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 00 0000n $$$$$$$$$'O@!$'7)*.0O7: AC#'()+,-./023468>/(127:;'<Z<}<ABBB1CLCjCC$&*1579:;<=?@ABCDEC%Q  Z *o=w)NZl%L'g?sA!x9> 9!!!I""""6#`#b###3$$$&M'''(M({(()W))2***/+33334 4=XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX  '!!8@0(  B S  ?e _Hlt292273505 _Hlt292273506 _Hlt292273560 _Hlt292273561 _Hlt292273637 _Hlt292273638 _Hlt292273690 _Hlt292273691 _Hlt292273755 _Hlt292273756 _Hlt292273823 _Hlt292273824 _Hlt285987447 _Hlt285987448 _Hlt292273987 _Hlt292273988 _Hlt282011374 _Hlt282011375 _Hlt282011362 _Hlt282011363 _Hlt292274040 _Hlt292274041 _Hlt285987493 _Hlt285987494 _Hlt282011313 _Hlt282011314 _Hlt285987510 _Hlt285987511 _Hlt292274088 _Hlt292274089 _Hlt285987532 _Hlt285987533 _Hlt292274155 _Hlt292274156 _Hlt285987545 _Hlt285987546 _Hlt292274192 _Hlt292274193 _Hlt282011328 _Hlt282011329 _Hlt285987570 _Hlt285987571 _Hlt292274237 _Hlt292274238 _Hlt285990110 _Hlt285990111 _Hlt292274316 _Hlt292274317 _Hlt292274383 _Hlt292274384 _Hlt285990154 _Hlt285990155 _Hlt285987755 _Hlt285987756 _Hlt292274421 _Hlt292274422 _Hlt285987775 _Hlt285987776 _Hlt292274470 _Hlt292274471 _Hlt292274560 _Hlt292274561 _Hlt285988363 _Hlt285988407 _Hlt285988408 _Hlt292274627 _Hlt292274628 _Hlt292274638 _Hlt292274639 _Hlt285988421 _Hlt285988422 _Hlt292274786 _Hlt292274787 _Hlt292274712 _Hlt292274713 _Hlt292275054 _Hlt292275055 _Hlt285988456 _Hlt285988457 _Hlt285989220 _Hlt285989221 _Hlt292275189 _Hlt292275190 _Hlt292275285 _Hlt292275286 _Hlt292275425 _Hlt292275426 _Hlt292275488 _Hlt292275489 _Hlt292275529 _Hlt292275530 _Hlt285989150 _Hlt285989151 _Hlt285989392 _Hlt285989393 _Hlt285989192 _Hlt285989193 _Hlt285989545 _Hlt285989546 _Hlt292275595 _Hlt292275596o o <<,,88PPQQJJOO++ooN N !!!!!!""""""####$$$$d'd'A(A((())******++ + +=@@@@@@@@@ @ @ @ @ @@@@@@@@@@@@@@@@@@@ @!@"@#@$@%@&@'@(@)@*@+@,@-@.@/@0@1@2@3@4@5@6@7@8@9@:@;@<@=@>@?@@@A@B@C@D@E@F@G@H@I@J@K@L@M@N@O@P@Q@R@S@T@U@V@W@X@Y@Z@[@\@]@^@_@`@a@b@c@d@o o <<,,88PPQQJJOO++ooN N !!!!!!""""""####$$$$d'd'A(A((())******++ + +=$%''V+_+22]=^=^=`=a=a=c=d=f=g=i=j=r=u==== "A"I""]=^=`=a=c=d=f=g=i=j=r=u====::&i$cGW`~R^ .szwUb3F  vDJCqg#(R$yK2P@%\Aұcl%a*wrN.Xq1X72BgF2obOv3>)wV4`)8VW7&M~=lS;J=Uf#* XRYo,[( [za`)~b.dL6cHc}mdN#hŦn;h:AG{XjNJYlzmMljBodaXVru 8~+[{k^`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h ^`hH)h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h ^`5hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h hh^h`hH.h 88^8`hH.h L^`LhH.h   ^ `hH.h   ^ `hH.h xLx^x`LhH.h HH^H`hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHh88^8`OJQJo(hHh^`OJQJ^Jo(hHoh  ^ `OJQJo(hHh  ^ `OJQJo(hHhxx^x`OJQJ^Jo(hHohHH^H`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.hh^h`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h88^8`OJQJo(hHh^`OJQJ^Jo(hHoh  ^ `OJQJo(hHh  ^ `OJQJo(hHhxx^x`OJQJ^Jo(hHohHH^H`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH^`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.^`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.hpp^p`OJQJo(hHh  ^ `OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHhdd^d`OJQJ^Jo(hHoh44^4`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hH^`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h pp^p`o(hH)h@ @ ^@ `OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHhPP^P`OJQJo(hHh  ^ `OJQJ^Jo(hHoh^`OJQJo(hHh ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.^`o(. dd^d`hH. 4L4^4`LhH.   ^ `hH.   ^ `hH. L^`LhH. tt^t`hH. DD^D`hH. L^`LhH.^`o(. dd^d`hH. 4L4^4`LhH.   ^ `hH.   ^ `hH. L^`LhH. tt^t`hH. DD^D`hH. L^`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHh hh^h`hH.h ^`hH.h L^`LhH.h   ^ `hH.h \ \ ^\ `hH.h ,L,^,`LhH.h ^`hH.h ^`hH.h L^`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHhh^h`o(. 88^8`hH. L^`LhH.   ^ `hH.   ^ `hH. xLx^x`LhH. HH^H`hH. ^`hH. L^`LhH.^`o(. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h hh^h`hH.h 88^8`hH.h L^`LhH.h   ^ `hH.h   ^ `hH.h xLx^x`LhH.h HH^H`hH.h ^`hH.h L^`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH^`OJPJQJ^J. ^`hH. pLp^p`LhH. @ @ ^@ `hH. ^`hH. L^`LhH. ^`hH. ^`hH. PLP^P`LhH.h^`6B*phhH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHh ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h hh^h`hH.h 88^8`hH.h L^`LhH.h   ^ `hH.h   ^ `hH.h xLx^x`LhH.h HH^H`hH.h ^`hH.h L^`LhH.h88^8`OJQJo(hHh^`OJQJ^Jo(hHoh  ^ `OJQJo(hHh  ^ `OJQJo(hHhxx^x`OJQJ^Jo(hHohHH^H`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh hh^h`hH.h ^`hH.h L^`LhH.h   ^ `hH.h \ \ ^\ `hH.h ,L,^,`LhH.h ^`hH.h ^`hH.h L^`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hHh ^`hH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h^`6B*phhH.h ^`hH.h pLp^p`LhH.h @ @ ^@ `hH.h ^`hH.h L^`LhH.h ^`hH.h ^`hH.h PLP^P`LhH.h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJQJo(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJQJo(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJQJo(hH&a*}md8VW772Hcsm~= [za(R$~bXRYgF2Ov3W`2P@%rN.;J=UF R)wV4q1 i3~+[{#hXVruL6c{XjUbCqg#cl%o,[Bon;hJYl&&         4                                                                                                                                      (        ~                                                              @2        6                                                                        6                  N1O1e1z1111111111111114445-5R5s55555555555555555555555556 6 6 6 6 66666!6"6#6$6%6&6'6(6)6*6:6;6<6=6>6?6@6A6B6C6T6U6V6W6X6Y6Z6[6\6]6e6f6g6h6i6j6k6l6m6n6v6w6x6y6z6{6|6}6~6699: :!:L:v:::::;:;d;z;;;;;;<<<<< <)<1<2<9<B<J<Q<Z<b<c<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<<========0=1=2=3=4=5=6=7=:=;=<===>=?=@=A=B=C=D=E=F=G=H=I=J=M=N=O=P=Q=R=S=T=U=V=W=X=Y=Z=[=\=]==qqq@?=@ @UnknownGTimes New Roman5Symbol3 Arial5 Tahoma? Courier New;Wingdings"1hh*h*p,f2k( 64o!4$>^= 3qHP ?I==The Case for Financial Literacy or So You Want to Buy a PonyaguilarmThe Evergreen State College&                           ! " # $ %  Oh+'0  @L l x  '@The Case for Financial Literacy or So You Want to Buy a Pony aguilarmNormalAV2Microsoft Word 11.6.1@@];@07C @07C 2 ՜.+,D՜.+,< hp  'THE EVERGREEN STATE COLLEGEk$> >The Case for Financial Literacy or So You Want to Buy a Pony Title 8@ _PID_HLINKS'AD,\Whttp://www.kbb.com/0KThttp://www.edmunds.com/C'QFhttp://financialplan.about.com/od/creditdebtmanagement/a/nocredit.htmIpNfhttp://www.bankrate.com/finance/credit-cards/10-questions-before-getting-a-secured-credit-card-1.aspx ^KDhttp://homebuying.about.com/cs/yourcreditrating/a/improve_score.htmo}H/http://www.debtfirms.com/money-management.htmlQvERhttp://www.suite101.com/content/developing-personal-debt-management-plans-a212958jJBChttp://homebuying.about.com/cs/yourcreditrating/a/credit_score.htmt/?Chttp://www.bestcredit.com/credit-repair/improve-credit-scores.htmlt/<Chttp://www.bestcredit.com/credit-repair/improve-credit-scores.html9Ehttp://www.ehow.com/how_2059093_credit-score-read-credit-report.htmlTD6Ihttp://www.bankrate.com/finance/credit-cards/what-is-a-credit-score.aspx|^3lhttp://www.cbsnews.com/stories/2003/04/29/earlyshow/contributors/raymartin/main551521.shtml?tag=mncol;lst;3i08http://credit.about.com/od/reducingdebt/ss/dtiratio.htmOs-8http://www.ehow.com/how_7226_calculate-debt-income.html-d*Whttp://www.autos.com/auto-insurance/how-good-grades-affect-student-car-insurance-rates_ 'Uhttp://www.carinsurancerates.com/news/148-good-grades-lower-car-insurance-rates.html`*$4http://www.moneychimp.com/features/tax_brackets.htm~R!Xhttp://www.bankrate.com/calculators/tax-planning/payroll-tax-deductions-calculator.aspxe>7http://www.rayfowler.org/2009/02/18/budget-calculator/fZ@http://www.jeanchatzky.com/topics/budgeting/a-budget-breakdown/vo+http://www.ourfamilyplace.com/budget1.html\Uhttp://www.bankrate.com/finance/money-guides/free-household-budgeting-worksheet.aspx%R7http://www.worldwideloans.com/collateralized_loans.htmhbChttp://www.bankrate.com/calculators/mortgages/loan-calculator.aspxFk "http://www.webmath.com/amort.htmlcr +http://www.wisegeek.com/what-is-an-apr.htm@Ehttp://www.edmunds.com/?mktcat=edmunds&kw=edmunds.com&mktid=ga242119M=http://auto.howstuffworks.com/buying-selling/car-buying3.htm!D<http://auto.howstuffworks.com/buying-selling/car-buying.htm  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ Root Entry Fz  Data Gl1TableWordDocumentSSummaryInformation(DocumentSummaryInformation8 CompObjXObjectPoolz z  FMicrosoft Word DocumentNB6WWord.Document.8