Sept. 23-24 Students can learn how to set up documents through the MLA format in a NW Campus Bridge Program workshop 2-2:30 pm in WTLO 3411A. For more information, contact Bridge Program assistant Talisha Simpson at 817-515-7657.
Sept. 23-24 TR health services will provide free, confidential HIV testing for students 11 am-2 pm Sept. 23 and 2-5 pm Sept. 24 in TREF 1312A. Appointments are encouraged, but walk-ins are accepted. Students should allow 30-45 minutes for a testing session. For more information, contact health services coordinator Angela Virgin at 817-515-1059.
Sept. 23 The NE advising and counseling center will hold the second of five financial literacy workshops for students Credit Basics: How Money Works will be 3:30-4:30 pm in the Community Room (NBSS 1103). This session will discuss the importance of credit in the world today. For more information, contact special services coordinator Ronda Isaacs at 817-515-6244.
Sept. 24 The NW Bridge Program will hold a workshop over learning the MLA format 2-2:30 pm in WTLO 3411A. For more information, contact Bridge Program assistant Talisha Simpson at 817-515-7657.
Sept. 24 NW career services will begin its JOB Series over resumes and cover letters 12:15-1:15 pm in WSTU 1406. The workshop goes over the format and writing styles for both resumes and cover letters. For more information, contact career services at 817-515-7785.
Sept. 25, 30 The SE library will show free screenings of Ken Burnsâ The Dust Bowl as a part of its Dust, Drought, and Dreams Gone Dry: A Traveling Exhibit 10 am-3 pm Sept. 25 and again 5-9:30 pm Sept. 30. For more information, contact library services assistant director Tracey Minzenmayer at 817-515-3388.
Sept. 28 SE student activities will hold Bank Day in the SE Commons. Attendees will be offered information about local banksâ services, promotions and other financial information. Contact the student activities office for more information at 817-515-3084.
Sept. 29 The SE North Ballroom will host An Environmental History of The Dust Bowl, a discussion on the environmental factors that caused the 1930s drought. Christopher Morris, University of Texas at Arlington history professor, will speak as a part of the Dust, Drought, and Dreams Gone Dry: A Traveling Exhibit. For more information, contact library services assistant director Tracey Minzenmayer at 817-515-3084.
Sept. 29 NW career services will host a volunteer and service learning fair 9:45 am-12:45 pm in the WSTU hallway. Students can meet with nonprofit organizations and learn ways to volunteer throughout the community. For more information, contact career services at 817-515-7785.
Sept. 30-Oct. 1 The NW Bridge Program will teach a workshop on editing and writing 11-11:30 am in WTLO 3411A. The workshop focuses on identifying and revising fragments and run-on sentences. For more information, contact Bridge Program assistant Talisha Simpson at 817-515-7657.
Oct. 1 NE career services will host an employment networking event 10 am-2 pm in the NSTU hallway. Two Minute Commercial will show students how to pitch effectively to potential employers. For more information, contact NE career services at 817-515-6692.
Oct. 2 The SE library will present Backyard Conservation on how to improve the health of a yard 11:45 am-12:40 pm The event is a continuation of the Dust, Drought, and Dreams Gone Dry exhibit. For more information, contact the library reference desk at 817-515-3084.
Oct. 3 The SE library will hold a viewing of the documentary Ken Burnsâ The Dust Bowl 10 am-3 pm as a part of its Dust, Drought, and Dreams Gone Dry exhibit. For more information, contact library services assistant director Tracey Minzenmayer at 817-515-3388.
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KLCAS housing counselor and education programs manager Michelle Scott is excited to be able to offer the On Track classes to a new segment of the population.
"We're just thrilled to bring this to the community," she said.
The class, which offers basic budgeting, consumer protection, and credit basics, helps lead students to financial independence. It also opens doors to other financial fitness classes, credit counseling, and pre-purchase classes for future homeowners, and home buyer savings programs, Scott said.
Mary Ruiz, the part-time Hispanic education coordinator, started at KLCAS in May, and has since translated all the On Track education materials to Spanish, Scott said. Ruiz will teach the first Hispanic On Track class in Merrill later this month.
Through the On Track class, the "seed is planted" about buying a house, Scott said, and the new Spanish language classes could lead to higher minority homeownership. For many migrant families, that's part of the American Dream, she said.
"That's really exciting," she said. "It's the dream."
Overall, the classes will help people learn skills to be financially stable and sustainable, she said, adding that she's pleased that the local Hispanic community will now have access to the same opportunities.
"Every level of skill sets can come to these classes," Scott said.
For more information about KLCAS and its programs, visit the website www.klcas.org or call 541-882-3500.
You can share many things as a married couple, but one thing you wont share is your credit profile. This doesn't mean you should disregard your partner's credit, though. While your credit reports and scores aren't merged in marriage, when the two of you apply for a joint credit card or loan, both of your credit profiles are taken into consideration. To score the best interest rates, it's beneficial to know where you each stand and what you can do to aim for or sustain a great credit profile.
If your spouse is just beginning to build credit history, here are three tips to help him or her reach that goal.
1.Help your spouse understand the fundamentals of credit.
Credit can be puzzling. One of the best things you can do is help your spouse understand key credit concepts, including...
- What goes into a credit score. By understanding what factors credit scoring models care about, your spouse can know what to work on. For example, your credit card utilization rate and on-time payment percentage are two of the most important aspects of credit management. Knowing this, your spouse might make a greater effort to pay bills by the due date and avoid using a high percentage of available credit.
- Major mistakes to avoid. It's a lot easier to damage your credit health than it is to improve it. Encourage your spouse to avoid applying for several credit accounts at the same time, maxing out credit cards and engaging in other habits that could impact his or her score negatively.
- Habits that can build a healthy credit history. Along with warning your spouse about mistakes that could damage credit, stress important good habits such as monitoring accounts and credit regularly, actually using the credit granted and paying bills on time and in full.
By sharing these credit basics with your spouse, you can empower him or her to start a credit journey off right and make smart credit-related decisions in the future.
2.Consider financial actions that could help your spouse build credit.
Making your spouse an authorized user or joint account holder.
Do you have good credit? Your positive history could help build up your partner's credit. For example, by adding your husband as an authorized user on your account, you'll allow him to use your account and "piggyback" on the account's credit history. Since the account information will usually show up on both your credit report and the authorized user's report, this account could help build his credit as long as the payments are made on time and the balances are kept low. However, keep in mind that some scoring models weigh this factor differently than others.
Adding your spouse as a joint account holder is a similar but much more committed strategy. Unlike authorized users, joint account holders are held responsible for the debt associated with the account, and the joint nature of the account can be harder to terminate.
Seeking new credit that is the best fit for your spouse.
While the authorized user or joint account holder strategy can be useful, your spouse may eventually want to get credit on his own. If he's still new to credit, he may not be approved for a conventional credit card or may be subject to higher interest rates, so it's important to pick a card that's more suitable for those just starting to build credit. For example, a secured card could be a workable alternative. These cards typically have higher approval rates, as they usually require a deposit that is then used as the credit limit for that account. Alternatively, if your spouse is a frequent shopper at a particular store, a retail card may make the most sense, as those can be easier to qualify for. Just be sure to stress the importance of paying the balance off each month, as these cards tend to have higher interest rates.
3.Review your spouse's credit report and scores together.
Does your wife have an established credit report? Go over the details with her and encourage her to pull reports regularly. Credit reports can be intimidating, so if it's her first time seeing one, explain each section, show herhow to spot red flags and stress the importance of disputing errors and keeping that report as accurate as possible.
After your wife has a long credit history, there should be enough information on the report for her to receive a credit score. She should then keep an eye on this score, as doing so is a great way to learn firsthand what actions affect her credit. In short, she can use these observations to guide future decisions and keep working toward better credit.
The bottom line: Credit
doesn't need to be scary or confusing for your spouse. Use these tips to help
empower each other to build credit. Whether you're dreaming of buying a home,
starting a business, getting a rewards credit card or even getting a new cellphone
plan, a good credit score could provide the two of you with better options.