financial health keynote · 2018-08-14 · amac accessibility amac creates practical solutions that...
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Financial HealthPresented by Danny Housley
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AMAC Accessibility AMAC creates practical solutions that work, with a focus on utility, ease of use, and high quality. • Accessibility Consulting focuses on organizational accessibility needs with evaluation,
technical assistance, customer support, and web accessibility solutions. • Braille Services produces customized projects from both print materials and electronic
text including partial books and chapters or graphics • Captioning Services makes classrooms, meetings, labs and other audio environments fully
accessible for deaf or hard-of-hearing. • Professional E-Text Producers provide high-quality e-text in many formats such as PDF,
DOC, DAISY, and HTML. • Certified Assistive Technology team provides on-site and remote assessments,
demonstrations, training and technical assistance for education, work, and daily living environments.
• For more information: www.amacusg.org
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Tools for LifeTools for Life, Georgia's Assistive Technology Act Program, is dedicated to increasing access to and acquisition of assistive technology (AT) devices and services for Georgians of all ages and disabilities so they can live, learn, work and play independently and with greater freedom in communities of their choice.
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AT Solutions Lab
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What is Assistive Technology?Low Tech
•Pencil grip •Adapted books •Slant board •Highlighters •Tape •Magnifiers •Color coding •Colored •Transparencies
Mid Tech •Word prediction •Text-to-speech •Speech-to-text •Spell checkers •Adapted mouse •E-books •CCTV •Adapted toys •Apps < $100
High Tech •Computer •Tablets •Smartphones •Smartpens •OCR device •Magnification software •Switch access •Apps > $100
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Goals for Today• Learn how to avoid scams and protect your
identity
• Discuss ways to manage money to maintain good credit
• Learn about laws that protect you as a consumer
• Explore pros and cons of credit card use
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Identity Theft
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What is Identity Theft?• When someone uses your personal information
without your knowledge
• Financial information
• Basic personal information
• Insurance data and medical information
• Your child’s personal information
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Identity Theft Facts• Credit/Bank Account
• New account/other fraud
• Financial liability is limited
• Federal law
• Credit vs Debit
• New account fraud takes longer to clear up
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Do not hesitate to report suspicious claims or lost/
stolen cards!
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How to be Safe• Secure networks!
• Complicated passwords
• Auto lock phones/tablets
• Check accounts regularly
• Sign up for fraud alerts
• Shred files before tossing
• Don’t give out personal info
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Paid credit monitoring (usually) isn’t worth it
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What to do if You are a Victim of Identity Theft
1. Notify bank/credit card company
2. Put a fraud alert and maybe freeze on credit report
3. Alert the authorities
4. Tackle any other fraudulent accounts
5. Continue to monitor
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You’re Protected
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The Law is on Your Side• Electronic Funds
Transfer Act
• Expedited Funds Availability Act
• Truth In Savings Act
• FDIC and NCUA
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Maintaining Healthy Credit
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How to Keep a Healthy Score• Pay bills on time
• Budget!
• Use credit cards sparingly
• Pay off credit cards, but don’t close them
• Don’t use all your credit!
• Limit applications for new credit
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What if My Credit Score is Already Low?
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Getting Back on Track• It’s never too late to repair
• Pay existing debt on time
• Look at a credit builder loan
• Look for non-profits for financial education
• Secured credit card
• Dispute errors
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Nobody can “fix” your credit for you, it takes time. Don’t
get scammed!
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Legitimate Avenues for Credit Repair• HOPE Inside, Ebeneezer- Ebeneezer
Baptist Church
• Suntrust and Operation HOPE
• Regions Bank
• CFII/Credit-Able
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Coming Soon: First $tep• Start off on the right foot
• Small, low interest loans geared and building or repairing your credit
• For people with disabilities in Georgia
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Any Questions?
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The Tools for Life TeamCarolyn Phillips Director, Tools for Life [email protected]
Sarah Endicott Research Scientist [email protected]
Danny Housley AT Funding & Resource Specialist [email protected]
Justin Ingham Support Specialist [email protected]
Ben Jacobs Accommodations Specialist [email protected]
Krista Mullen Speech Language Pathologist [email protected]
Samantha Peters Support Specialist [email protected]
Liz Persaud Training and Outreach Coordinator [email protected]
Martha Rust AT Specialist [email protected]
Rachel Wilson AT Specialist [email protected]