Surviving Tough Times Series Life Fundamental$ Money Management Seminars are a program of the Kentucky Council on Economic Education presented by the Kentucky Society of CPAs © 2009

Signed by President Obama on May 22, 2009. Goes into effect between now and February 2010. (Dirty Little Credit Card Secrets) http://www.youtube.com/watch?v=kHfN-YUkH1E&NR=1

" My grandma used to say that if you're going to buy something that doesn't go up in value, and you can't afford to pay cash, then you can't afford it." If you eat it, drink it, or wear it, or it’s under $20, don’t use your credit card.

http://www.creditcardnation.com/calculator.html http://www.feedthepig.org/creditcardcalc http :// www.timevalue.com/calculators/credit-card-calculator.aspx

Breaking down the numbers Score % of population Score % of population 300-499 2% 650-699 15% 500-549 5% 700-749 18% 550-599 8% 750-799 27% 600-649 12% over 800 13%