for madam professor only

  
Unit 3 Discussion 
It is very important to keep all personal records in a safe place where no one is able to get your personal information. The Federal Trade Commission provides consumer information about identity theft.
Federal Trade Commission. (n.d.). Identity Theft: Recovering from Identity Theft.Retrieved from http://www.consumer.ftc.gov/features/feature-0014-identity-theft
Read about how to protect your identity and the steps to take if your identity is ever stolen then answer the following questions.
QUESTION: What should you do to protect your personal information? Why is this so important? If your identity is stolen, what steps should you take? Share your experiences with us.
 Some of you may be personally experiencing this right now. Think about not only your own personal income but avenues of outside income like Welfare, non-profit organizations, etc. Also, what is a reasonable amount of savings you should have to carry you through in the event that one lost their job. 
 
Unit 4 Discussion
Describe some of the steps homebuyers can take to improve the home-buying process and increase their overall satisfaction. The text has covered the major issues you should look for when going through the house purchasing process.

What are some of the little things, which can be costly, you need to look for?
Share your home purchasing or rent experiences within your post.

Unit 5 Discussion
Your credit rating is very important in many areas of your life. Your score determines the interest rate you would get on loans, the cost of your insurance, and could affect future employment. You have rights as a consumer when it comes to billing practices. The Federal Trade Commission provides information that will help you to understand your rights as a consumer.
Federal Trade Commission. (n.d.). Disputing credit card charges. Retrieved fromhttp://www.consumer.ftc.gov/articles/0219-fair-credit-billing
QUESTIONS: The importance of a personal financial plan is essential. Economic issues are one of the major areas that can affect your personal wealth. Do you think the Fair Credit Act protects the current consumer in these economic times? How can having a personal financial plan influence your credit score? Tell us about any negative or positive experiences you have had in regard to your credit and what you did or could have done to improve your credit rating.