banking basics keynote - cfiiga.org€¦ · amac accessibility amac creates practical solutions...
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Banking BasicsPresented 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• Develop a budget
• Explore how to choose a bank
• Learn how to deposit, withdraw and manage funds
• Discuss the differences between a bank and credit union
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Budget A step-by-step plan for
meeting expenses in a given period of time
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Why Budget?• Reduces money-related
anxiety
• Allows you to plan for wants/needs
• Gives you control
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Know Where Your Money is Going • Spending diary
• Income and expenses worksheet
• List all sources of income
• List all expenses
• Monthly payment schedule
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Useful Tool: Spending Diary
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Useful Tool: Mint• Free app
• You financial life all in one place
• Link accounts, set reminders
• See spending and income visually
• Pay bills in the app for free now
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Types of Income and ExpensesIncome
• Wages
• SSI/SSDI
• Child Support
• Other public assistance
Fixed Expenses
• Rent/Mortgage
• Property Tax
• Car payment
• Insurance
• Loan Payments
Flexible Expenses
• Phone
• Gas
• Power
• Water
• Personal expenses
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Keeping A Record• Keep receipts/bills in
a safe place
• Keep them organized
• Hold for at least three years
• Make payments early
• Keep a calendar
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Pop Quiz!Why is budgeting important?
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Banks• 6,799 FDIC-insured banks
• Branches can be common
• More options
• Low/no interest rates for savings
• FEES
• Customer service experience
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Credit Unions• 5,954 insured
locations
• Community based
• Fewer fees
• Better rates for loans and savings
• Chance for involvement
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So, which is better?
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It All Depends on You• Find a location that is convenient
• Fight fees
• Pay attention to interest rates offered
• Ask about accessibility
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Accommodations• Tactile/large print
checks
• Alternate format statements
• Assistance
• Accessible website/app
• TTY/Interpreter/Relay
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Managing Money
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Going Paperless
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Some General Tips• Keep your passwords and PIN SECRET, Never
share!
• Make a password that is unique
• Track spending and keep records/receipts
• Keep card secured, add an image if you can
• For mobile devices, keep passwords secured and lock down apps
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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]