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Thrive by FiveTM:
Teaching Your Preschooler About Spending and Saving
Children learn about money from many sources. As a parent, you will not be the only influence on what your child learns about using money. But when you teach basic lessons about money, you increase the chance that your child?s values will be similar to yours.
Thrive by Five provides simple activities and other resources, which are parent-and-child tested, meant to give you ideas for:
- Teaching how money works and what it can do,
- Talking about how your family uses money, and
- Modeling good money management.
Thrive by Five was made possible by a grant from the National Credit Union Foundation, with additional funds from the Ohio Credit Union Foundation and the Texas Credit Union Foundation.
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MoneyAndStuff.info 
You'll find this site a handy resource for educating adults as well as children of all ages about financial matters- where you'll find a variety of Lesson Plans, Activities, and Tips on many different money topics.
Check it out for yourself, or use it to help you prepare your kids for a stronger financial future.
There's more than one "talk" to have with your kid. Thanks to MoneyAndStuff.info, the "money talk" can be the easiest one of all.
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Annual Credit Report Free You can obtain a FREE copy of your credit report annually from Equifax, Trans Union and Experian by visiting the following website: https://www.annualcreditreport.com Your credit report should be reviewed annually to insure it contains correct information. Report discrepancies immediately to the respective credit bureau.
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Denied Credit? How To Obtain A Copy Of Your Credit Report If you have been denied credit within the last 60 days, you can obtain a copy of your credit file free of charge. Send a copy of your denial letter along with the information listed below to the corresponding address listed under 3 Major Credit Bureaus. For assistance, call Equifax at 1-800-685-1111, Trans Union at 1-800-888-4213, or Experian at 1-888-397-3742.
If you have not been denied credit, there will be a fee for your credit report.
The following information must accompany your request for a copy of your credit report, whether or not you have been denied credit:
- Full Name (and spouse's name)
- Current Address
- Previous Address (last 2 years)
- Social Security Number (and spouse's)
- Date of Birth
- Current Employment
- Telephone Number
- Signature(s)
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ATM Savvy ATM's are a big help to those needing cash when a trip to the Credit Union is inconvenient. However, using an ATM does carry some risk. Follow the tips below to make your ATM use safe and hassle-free;
*Always observe your surroundings before using the ATM. If anyone or anything appears suspicious, leave the area immediately.
*If an ATM is obstructed from view or poorly lit, use a different ATM.
*Make your transaction short by having your card out and ready to use. Wait to count your money until you are a safe distance away.
*Look for possible fraudulent devices attached to the ATM. If the ATM looks different or appears to have any attachments over the card slot or PIN pad, do not use the ATM.
*During an ATM transaction, shield your PIN and transaction amount from view.
*Never allow a stranger to assist you in conducting an ATM transaction, even if you have trouble or if your card is stuck.
If you're interested in saving a few dollars every time you go to the ATM, search for No-Surcharge ATM's at www.atmallianceone.org or www.co-opnetwork.org.
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Cleveland Chapter of OCUL
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| Cleveland, OH |
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