Credit 101: Helping Make Sense of Good Credit

Credit 101 is a part of the Future Cents project.  Teens and adults are invited to learn more about establishing and repairing their credit score.  It is all about the number!  Learn what the number is.  How to protect your score and more!  Credit 101 will be held at the Cultural Center Boardroom next door to the Central Library.  Mrs. Shiela Dalcoe will present from 6:30 to 7:00 and leave time for questions.
 
You may register by contacting Martha Larson (373-4559).  For more financial information and details about Future Cents visit www.myfuturecents.com.

Raising Money Smart Kids

How well adjusted are our children when it comes to money?  Statistics show that young people are buying more and accumulating more debt than ever before.  Future Cents is a grant funded project that will help youth and their parents learn budgeting, checking, saving, investing and more.  The goal of Future Cents is to help youngsters develop good money skills.  Too often older teens get a first  job or obtain student loans for college and they have little knowledge of managing their money as they become adults.

The website myfuturecents.com provides details on programming and resources to help teens and adults learn more about financial responsibility.  The programming begins June 12 with 2 sessions: Credit 101 for teens and Understanding Your Credit Report for Adults.  As Future Cents develops we hope to build a program that is attractive to teens and provides them with the skills to become independent and responsible adults.  This project will run through December 2011 so you will see more as resources and programs are added. 

Community involvement is key for the success of this program.  I am pleased to announce that the Black Achievers group at the Hayes-Taylor YMCA will work hard this summer to learn the skills that the Future Cents curriculum offers and go out to mentor younger kids in learning good money habits.  This is just one way that the community is coming together to make Future Cents a success for young people.

Electronic Tax Filing at Greensboro Public Library Locations

If you have a Greensboro Public Library card and want to file your taxes online, you can do so at any library location.  Websites which provide free or low-cost filing for NC returns and IRS returns are shown with requirements and links at the N. C. Department of Revenue e-file requirements link.  Websites which provide free IRS return filing (including those at the link above) and free or fee-based NC return filing can be found at a link maintained by the IRS – 2010 Free File.  Taxpayers can sign on to public computers at any library location with their library card numbers.  Prints are 10 cents each and can be made with a print card.  The card costs $1.00, comes with 10 prints value, and can be reloaded with more value as it is used.

NC Tax Form Access at Greensboro Public Library Locations

In an effort to reduce cost and encourage electronic filing, the N. C. Department of Revenue will not provide tax forms or instruction booklets to libraries and post offices for give-away to the public this year.  Taxpayers with Greensboro Public Library cards can sign on to a public-use computer at a library location and download and print out NC tax forms and instruction booklets at the N. C. Department of Revenue download site.  At library locations, printouts cost 10 cents each.  They are made with a print card.  The card costs $1.00 and comes with 10 prints value on it.  More value can be added to the card as it is used.   If a taxpayer prefers to order forms online instead of printing them out, he/she can do so at another link available-the N. C. Department of Revenue order site.  Forms ordered in this way are free.

IRS Tax Forms at Greensboro Public Library locations

IRS tax forms are available at Greensboro Public Library locations in a number of ways.  Free copies of the following forms can be picked up at any library location:  1040 forms, 1040 instructions, 1040A forms, 1040A instructions, 1040EZ forms, 1040EZ instructions, schedule 2441, schedule 2441 instructions, schedule R, schedule R instructions, schedule A, schedule B, schedule EIC, schedule L, schedule M, and form 4868. 

Some other IRS forms can be photocopied from a reproducible tax forms notebook provided by the IRS.  The price per photocopy is 15 cents with coins or 10 cents with a copy/print  card.  Still other forms can be printed out from the IRS website.   Prints are 10 cents each and are made with a copy/print card.  The card costs $1.00, has 10 prints value on it, and can have more money added as the first 1o prints value is used.   Library card holders can sign on to a public computer with Internet access with their library card number.

N.C. Unemployment Down Slightly in November

The News & Record reported today that North Carolina’s jobless rate dropped .1% in November to 10.8%.

The same report includes a forecast from UNC-Charlotte economist John Connaughton.  Unfortunately, Connaughton is decidedly downbeat, for he sees little likelihood of a vigorous economic expansion in the near term owing especially to damage suffered by the financial sector and the resulting credit squeeze.

Please remember to check out Greensboro Public Library’s job links if you’re actively searching for work.

NC Unemployment Down a Bit; Other States See Record Highs

The News and Record reports today that North Carolina’s unemployment rate in August was at 10.8%, a tenth of a percent lower than July’s statewide rate.

Meanwhile, CNBC reports that unemployment rates in some other states are reaching record highs:  these were California (12.2%), Nevada (13.2%), and Rhode Island (12.8%).  Michigan continues to lead the nation with a jobless rate of 15.2%.

As always, please remember Greensboro Public Library’s JobSkills offerings if you’re out of work and looking for a job.