Melody Bell

[Melody Bell @melodystarr]

How each US state is shaping the personal finance IQ of its students https://t.co/FBUoCrSd1W

[NEFE @NEFE_ORG]

Last call: The Cherry Blossom Financial Education Institute is welcoming the submission of research papers and grad student posters addressing effective #FinEd. For more info on this opportunity: https://t.co/l8PqMGDf2Z. #GFLEC

[Billy J Hensley @DrBillyHensley]

As I've said many times, education is part of the solution, not the only way to overcome economic hardship. Understanding the full ecosystem that influences our personal finances is paramount. #redefiningfined #financialeducation

https://t.co/nxIuzhP7pZ

[Melody Bell @melodystarr]

How latest FICO changes impact your credit score https://t.co/8vI0quJGWs via @YahooFinance

[Melody Bell @melodystarr]

NC school board eliminates one of two U.S. history courses to make room for new personal finance class :: https://t.co/4QNPir9iKD https://t.co/ekaMk52p4l

[Melody Bell @melodystarr]

@DylanDreyerNBC Portland definitely had a White Christmas. The 2008 blizzard that walloped Portland https://t.co/EENA6xTRDV

[Melody Bell @melodystarr]

I just pledged to be part of the solution by Choosing Love – now it’s your turn! #no2020Yearbook – Jesse Lewis Choose Love Movement https://t.co/TkDXWgY66T

[Melody Bell @melodystarr]

Had such a great time last night celebrating @FinBegOR being awarded @BankofAmerica's #Neighborhoodbuilders

[Melody Bell @melodystarr]

Calling All Changemakers: NGPF 2020 Summit https://t.co/vs2F6TwQTB

[Melody Bell @melodystarr]

Charles Schwab's daughter focuses on financial literacy https://t.co/VDJn7rzh33 via @investmentnews

[Melody Bell @melodystarr]

A10: Final borrowing tip: Don’t just focus on the loan payment. Avoid surprises later by calculating the total interest you will be paying over the life of the loan. #CreditChat

[Melody Bell @melodystarr]

Stay away from this guy!

[Melody Bell @melodystarr]

@Experian A9: For certain loans, don’t assume the interest rate in front of you is the best possible. If your loan is tied to collateral, like a car, shop for the loan separately from the car. The dealer is not always going to give you the best rate. #CreditChat

[Melody Bell @melodystarr]

@Experian A9: For certain loans, don’t assume the interest rate in front of you is the best possible. If your loan is tied to collateral, like a car, shop for the loan separately from the car. The dealer is not always going to give you the best rate. #CreditChat

[Melody Bell @melodystarr]

@Experian Know your rights https://t.co/AwqfmzWZPa #creditchat

[Melody Bell @melodystarr]

@Experian A8: If you are unable to pay a loan, make sure to communicate with the lender. Many times there are options to help you, such as payment deferment or loan restructuring. #CreditChat

[Melody Bell @melodystarr]

@Experian A7: Loans affect credit scores in many ways. Having certain loans can provide you a stronger mix of types of debt, improving scores. They can also help or hinder credit scores depending on payment history. #CreditChat

[Melody Bell @melodystarr]

@Experian A6: Many people got into trouble with variable-interest rates during the 2008 recession. A loan with a variable-interest rate can fluctuate up or down depending on the market. #CreditChat

[Melody Bell @melodystarr]

@Experian A5: The 5 Cs of Loan Qualification can affect your interest rate. If you are considered to be a higher risk of not fulfilling the loan terms, it will likely result in a higher interest rate. #CreditChat

[Melody Bell @melodystarr]

@Experian A4: Lenders consider the 5 Cs of Loan Qualification:
Character.
Capacity.
Capital.
Conditions.
Collateral.

#CreditChat

[Melody Bell @melodystarr]

@Experian A3: Unsecured loans do not have any collateral tied to them, such as a credit card or personal line of credit. These loans are a greater risk to the lender and usually have interest rates in the double digits. #CreditChat