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December 2013 Issue

  1. Introduction
  2. Navigating the New Insurance Marketplace
  3. What's My Credit Score and How Can I Get My Score for Free?
  4. Jupiter Branch Library Reopening After Renovation
  5. Quick Byte: Wunderlist

Welcome to the December Issue of
Books & Bytes!

There is always a lot going on at the Library, so be sure to visit our website, Facebook page, Google+ page, and Twitter page often to keep up-to-date!

Did you know we have 20 other email newsletters? They are packed with suggested books, DVDs, events, and more. You can sign up, or read the most recent issues of each, by clicking on the titles on this page.

Navigating the New Insurance Marketplace

Are you looking for information about the new healthcare marketplace? Confused about coverage for you and your family? Speak to a certified Navigator about programs you are eligible for and get help with enrollment.

Check the program listings for the following branch locations for program dates and times and call to schedule an appointment to meet with a navigator.

If possible, set up an account in the health care marketplace before meeting with a Navigator at www.healthcare.gov.

Or contact the Navigator Agencies directly:

  • Epilepsy Foundation Florida (Phone: 478-6515)
  • Palm Beach County Health Care District (Phone: 659-1270)
  • Planned Parenthood of South Florida (Phone: 848-6402 English/Español, 472-9947 English/Creole)
  • Sickle Cell Foundation of Palm Beach County & the Treasure Coast (Phone: 833-3113 English/Español/ Créole)
  • Urban League of Palm Beach County (Phone: 568-2876 English/Español/Créole/Français)

Do you have questions about the Affordable Care Act (ACA) or the new health care marketplace? The Library’s Consumer Health Information Service (CHIS) can help you find the answers to your health and medical questions. Please call 233-2736 to speak with a CHIS Librarian or contact CHIS by email through our website at http://www.pbclibrary.org/consumer-health

What's My Credit Score and How Can I Get My Score For Free?

What is a credit score?
Credit scoring is a system creditors use to help determine whether to give you credit. It also may be used to help decide the terms you are offered or the rate you will pay for a loan. A credit score is a number derived from a statistical analysis of a person's credit files. It used to represent the creditworthiness of that person, which is the likelihood that the person will pay his or her debts in a timely manner. Banks and credit bureaus collect all of your credit and debt information and give you a score: the higher the number, the better the score. Your credit usage ratio compares how much credit you have available versus the amount of credit you actually use. The more unused credit you have available, the higher your score. Your credit report is a key part of many credit scoring systems. That’s why it is critical to make sure your credit report is accurate. Each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — is required by Federal law to provide you with a free copy of your credit report once every 12 months, if you request it.

To order your free annual credit report from one or all of the national credit reporting companies, visit www.annualcreditreport.com, call toll-free 877-322-8228, or complete the Annual Credit Report Request Form and mail it to:

Annual Credit Report Request Service
P. O. Box 105281
Atlanta, GA 30348-5281

You may order reports from each of the three credit reporting companies at the same time, or you can stagger your requests throughout the year.

What can you do to improve your score?
Scoring models usually consider the following types of information in your credit report to help compute your credit score:

  • Have you paid your bills on time?
  • Have you reached your credit limit?
  • How long have you had credit?
  • Have you applied for new credit lately?
  • How many credit accounts do you have and what kinds of accounts are they?

I received a credit score from another service and it was different. Why is that?
There are many, different types of credit scores available from different lenders, credit bureaus, and credit score providers. The three major credit bureaus each use their own formulas to determine your credit score.

What is the difference between a credit report and a credit score?
A credit report contains all of the detailed information in a person's credit file maintained by a credit bureau. The data in a credit report is interpreted through a complex mathematical process to determine a credit score, which is a single number. Credit scores commonly range from 300 to 850.

What’s new and exciting about credit score information?
In November, at a CredAbility Seminar “Credit & Credit Scores: Why Am I a 678?” at the Main Library, Financial Education Specialist, Sandra Enrique, showed attendees how their credit score affects their financial life and what to do to improve their scores. She demonstrated how you are able to get your credit score for free from two of the three credit reporting agencies. They are Credit Karma based on the credit information from TransUnion and Credit Sesame based on credit information from Experian.

Credit Karma
Credit Karma with your credit reporting information from TranUnion, allow you to obtain your free credit score with no additional obligation. In addition to credit score information, you can also find details about your debt accounts.

Credit Sesame
Credit Sesame gives you a free credit score from Experian’s National Equivalency Score. They will track and monitor your Experian data and it is updated monthly.

Why take action now to find out my credit score?
It’s a great time of year to find out your credit score and how you can improve it. In 2014, don’t waste money having to pay higher interest for your mortgage, insurance, car loans, and more!

Jupiter Branch Library Reopening After Renovation

The Jupiter Branch Library, located at 705 Military Trail in Jupiter, will reopen on Monday, December 16, at 9:00 am. There will be an Open House from 2:00 – 4:00 pm that day.

The renovations include reconfiguration of the service desks and a bright new color scheme, plus self-service holds shelving and additional self-check machines.

New hours for Jupiter Branch will be:
Mon -Thu: 9:00 am – 8:00 pm
Fri: 9:00 am – 6:00 pm
Sat: 9:00 am – 5:00 pm
Sun: Noon – 5:00 pm

For more information call Jupiter Branch at 561-744-2301.

Quick Byte: Wunderlist

There are hundreds of apps and services to help you get organized, Wunderlist is a great free resource for personal, family, or group task management. Signing up for Wunderlist is easy. Simply choose a username, password, and email you want associated with the account. Now you can access your lists and tasks available anywhere using your PC, browser, or mobile devices.

Start by creating a list. A list holds items that can have both due dates and reminders assigned to them. One of the benefits of setting a reminder is that not only will it notify you within the application, but will also send a reminder to your email, so that you never forget anything important again. You are also able to “star” a project, moving it to the top of your list.

You can also add subtasks and notes to each item, providing greater details. If you create a List called “Shopping,” you can create an Item for each store you need to visit that day. Each store can have a subtask of each item you need to pick up at that store, allowing you to check them off one at a time.

A great benefit of using Wunderlist is the social aspect. Lists can be private or you can choose to share your lists with other people. Set up an account for each of your kids, and share a “Chores” list with each of them that they can check and mark as accomplished. Let them create a birthday or holiday “Wish List” and have easy access to it when you’re on the go. Make a meeting agenda and share it with members of your team. It’s up to you how you want to use it.

Wunderlist provides a simple-to-use task manager, with many possibilities. If you’re looking for an easy way to get on top of your “to-do” list, give Wunderlist a try.

Until Next Time

Books & Bytes is published around the beginning of each month. To unsubscribe from Books & Bytes, click on the "Unsubscribe" link at the bottom of this message.

You may contact us by regular mail at:

Palm Beach County Library System
3650 Summit Blvd.
West Palm Beach, FL 33406

Books & Bytes is a publication of the Palm Beach County Library System. Copyright 2013.

Florida Public Records Law: Under Florida law, email addresses are public records. If you do not want your email address released in response to a public records request, do not send electronic mail to this entity. Instead, contact this office by phone or in writing.


December Closings

All Palm Beach County Library System locations will be closed Tue, Dec 24 & Wed, Dec 25 for the Holidays.

All libraries will also close
at 5:00 pm on
Tue, Dec 31, 2013,
and remain closed on
Wed, Jan 01, 2014,
for New Year’s Day.

No materials will be due on these days.

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