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FINANCIAL LITERACY 2022

Professor G. Gary Rhine
Cornerstone Experience 2022
Horizontales
Complete the ________ application early to increase your chances of being considered for finanacial aid.
The number 1 stressor for most people in america is ____________.
Credit cards are particularly ___________ for students.
Your credit score is usually available through your _________ app.
____________ or disappearing grace periods have replaced the chance to pay a bill late without a fee.
_____________ loans means that interest accrues on the day you sign the loan papers.
Financial _________ is knowledge related to financial concepts and skills.
The interest rate on credit cards is usually 18% or ____________.
A part time _____ may help you become more effective in time managment
The ___________ concept of money management is based on spending less than you earn.
About 50% of students have ________ or more credit cards.
Focusing on what is in your best interest financially is your personal ___________.
If you are having problems with finances always talk with the financial aid ____________.
Although not always possible monthly costs are somewhat ____________.
Managing your money successfully involves ________ money management.
Retirement ___________ is important because Americans are living longer and want to remain well and comfortable.
If you are not careful credit cards can ______________ plunge you into a hole of debt.
________Union is one of 3 primary credit bureaus who will send you a credit score and credit history
Fee Harvesting cards feature low credit limits and are __________ with extra fees.
__________ show that most students have a least one credit card.
Mental focus must ______ when moving from work-school activities.
Verticales
__________ is an important consideration in managing coursework and work.
Student _______ are a type of financial aid that students are responsible to pay back.
Usually budgets are based on a __________ basis.
___________ from student loans is not an option.
Your electric bill expense may be _____________.
________ learners may want to create a budget chart monitor and record saving money efforts.
Student _____________ are often awarded to those who show talent or ability in specific areas. They do not require repayment.
_________ as a money manager requires critical thinking and focused attention.
Savings are absolutely essential for your long term _____________.
Financial ________ is having a healthy financial outlook
Credit Card companies are in ___________ to make money.
Consider your learning type as well as ______when constructing a monthly budget.
Credit ________ are a very expensive forms of borrowing for school expenses.
Even slightly late credit card payments result in late ___________.
Fatigue and ________ can result from stretching yourself to thin.
Avoid phishing ______ that ask for your social security and pin numbers.
Student _______ are financial aid-based on need- that do not need to be repayed.
For most, building,maintaining, and repairing their ________score is an ongoing challenge.
Going to school is a calculated __________.
With credit cards _________ can escalate quickly.