Personal Finances & Money Management: Video Series

Boost your FICO score by keeping credit card balances low, making bill payments on time and not opening too many credit accounts. Monitor your credit score by getting information for each of the credit reporting agencies with information from a registered financial consultant in this free video on personal finance and money management.

Endorse a three-party check that is made out to an individual and a company by turning the check over, writing FBO and signing your name. Make sure a third-party check gets to the right people with help from a registered financial consultant in this free video on personal finance.

ATM cards work by having an embedded chip in them that allows an individual to retrieve funds from any automatic teller machine no matter what bank the card is from. Follow the prompts on an ATM machine to withdraw or deposit cash with help from a registered financial consultant in this free video on ATM cards.

Getting food stamps requires visiting the Department of Human Resources, or Social Services, meeting with a case manager, providing information in income and assets and receiving a card with food stamp information. Present a food stamp card at the grocery store to pay for food with information from a registered financial consultant in this free video on welfare.

Get financial assistance for a loan by bringing on a cosigner to the loan in order to increase the financial backing for the bank to consider. Find out how a cosigner will be responsible for a loan if the original borrower does not make payments with information from a registered financial consultant in this free video on personal finance and money management.

Finding the best account representative for financial planning requires finding someone that is easy to work with, asking a lot of questions, checking credentials and asking for references. Make sure a financial adviser is a member of the Better Business Bureau and the National Ethics Bureau with advice from a registered financial consultant in this free video on personal finance and money management.

To fill out a money order, visit a convenience store, bank or Western Union office, fill out the recipient's name, complete the sender's name and address, and pay a small fee. Have a virtual copy of a money order sent to a different city for an additional fee with instructions from a registered financial consultant in this free video on personal finance and money management.

Getting a free FICO score, or credit score, can be done by visiting MyFICOScore.com or MyFreeFICOscore.com, and filling out the appropriate information. Monitor your FICO score on a regular basis to ensure that there are no problems with your credit report using advice from a registered financial consultant in this free video on personal finance and money management.

Create a beneficiary for a certificate of deposit, or CD, by having the issuing bank assist you in fill out the beneficiary designation forms. Choose a relative, spouse, business partner or creditor to receive the benefits of a CD in the case of your death with tips from a registered financial consultant in this free video on personal finance and money management.

Dematerializing an existing certificate of deposit, or CD, will often result in financial penalties for the early withdrawal of CD investment money. Consider leaving a CD in the bank until it matures with advice from a registered financial consultant in this free video on personal finance and money management.

Raising a FICO score can take anywhere from a month to six months depending on the severity of the issues. Pay credit cards on time, maintain a stable employment history, and avoid having too many open accounts to raise a credit score with instructions from a registered financial consultant in this free video on personal finance and money management.

Bill and credit payments have a major effect on FICO scores. Timely and complete payments can account for around 45 percent of an overall credit score. Raise your FICO score by paying bills on time with advice from a registered financial consultant in this free video on personal finance and money management.

A FICO score is determined by combining the scores of the three credit reporting bureaus. Those scores are determined by looking at an individuals available credit, history of bill payment and employment history. Raise a FICO score by paying bills on time and keeping the credit to debt ratio low with advice from a registered financial consultant in this free video on personal finance and money management.

Consolidate financial statements by creating a balance sheet with all assets and liabilities. Consolidate financial information into one place using Internet software with help from a registered financial consultant in this free video on personal finance and money management.

To apply for bankruptcy, hire a bankruptcy attorney, decide whether to file for Chapter 7 or Chapter 13, and get on the docket to plead the case in front of the U.S. bankruptcy court. Allow the bankruptcy lawyer to complete most of the tasks for bankruptcy proceedings with advice from a registered financial consultant in this free video on personal finance and money management.

A charge card, or credit card, allows an individual to make purchases with a card using funds from the credit company. Charge card purchases typically have to paid back with interest. Discover different types of charge cards with information from a registered financial consultant in this free video on credit cards.

A debit card transaction allows individuals to swipe a card that works like a credit card, but money comes directly from the bank account of the debit card owner. Avoid accruing interest on purchases by using a debit is card with advice from a registered financial consultant in this free video on debit cards.

Some examples of negotiable financial instruments are cash, bearer bonds and numismatic coins. Find out how negotiable financial instruments have fixed values with information from a registered financial consultant in this free video on personal finance and money management.

A collection agency can take a debtor to court if debts remain unpaid for a certain period of time. Often, the debtor will be required to liquidate assets to pay the debt or could be subject to wage garnishments. Learn about the rights of a creditor with information from a registered financial consultant in this free video on personal finance and money management.

Chapter 13 bankruptcy works by allowing an individuals to have creditors back off while existing debts are reorganized under a protocol set up by the bankruptcy court. Hire a bankruptcy attorney to file the paperwork for Chapter 13 bankruptcy with advice from a registered financial consultant in this free video on bankruptcy.

The guidelines for filling bankruptcy require an individual not be able to pay existing debt due to excess medical bills, credit card debt, foreclosure or job loss. Hire a bankruptcy attorney to discuss whether to file Chapter 7 or Chapter 13 bankruptcy with insight from a registered financial consultant in this free video on bankruptcy.

Opening a bank account for a child is possible if the parents sign on as guardians to be responsible for the activity on the account. Start a bank account for a child early to teach about fiscal responsibility with advice from a registered financial consultant in this free video on bank accounts.

The number of bank accounts a person can open is unlimited as long as the money in each and every account can be accounted for in a legal manner. Find out how Homeland Security Anti-Money Laundering laws have changed the way people are able to open bank accounts with information from a registered financial consultant in this free video on bank accounts.

To get a personal loan, handle financial affairs in a responsible manner, pay bills on time, keep credit to debt ratios low, and make sure the loan proposal is clean and succinct. Present yourself in a professional manner when applying for a personal loan with help from a registered financial consultant in this free video on personal finance and money management.

Debt settlement companies are actually formed by credit card companies in an effort to get some money paid down on a debt. Understand that many debt settlement companies charge a fee that does not go towards the debt with insight from a registered financial consultant in this free video on debt settlement.