{
    "document_id": 13510,
    "page": 1,
    "width_pt": 1008,
    "height_pt": 612,
    "rotation": 0,
    "pipeline_version": "paddleocr-vl-1.6+paul-48",
    "engine": "paddleocr_vl",
    "source_run_id": 13622,
    "item_count": 22,
    "counts_by_type": {
        "figure": 2,
        "footnote": 1,
        "heading": 3,
        "text": 15,
        "title": 1
    },
    "build_ms": 4,
    "items": [
        {
            "id": "p1.1",
            "order": 1,
            "type": "text",
            "bbox": {
                "l": 22.32,
                "t": 587.28,
                "r": 326.64,
                "b": 477.12
            },
            "text": "You may wish to use a debit card (a card that works like a check) which is a card used along with a PIN (Personal Identification Number) to withdraw funds or transfer funds from your banking or other account. If you use an ATM (Automatic Teller Machine) with a bank debit card, keep receipts, and record the transaction in your checkbook register. Don't assume that the account balance at the ATM is correct. If you wrote checks that haven't been processed by your bank the ATM balance will be higher than the amount of money you really have. If you use online banking check your transactions and balance regularly."
        },
        {
            "id": "p1.2",
            "order": 2,
            "type": "text",
            "bbox": {
                "l": 355.92,
                "t": 587.52,
                "r": 656.88,
                "b": 552.72
            },
            "text": "credit reporting agencies and place a “fraud alert” on your credit report; report lost or stolen credit, debit, and ATM cards, and close accounts; file a police report; and keep records of everything."
        },
        {
            "id": "p1.3",
            "order": 3,
            "type": "text",
            "bbox": {
                "l": 356.64,
                "t": 548.88,
                "r": 656.64,
                "b": 492.96
            },
            "text": "Your college career is important to the university family. We encourage you to seek information to help you navigate your college career and make wise decisions about your life. Use This Information To Become A Success At Managing Your Money and Your Life!"
        },
        {
            "id": "p1.4",
            "order": 4,
            "type": "heading",
            "bbox": {
                "l": 24.72,
                "t": 454.8,
                "r": 141.6,
                "b": 436.8
            },
            "text": "CREDIT CARDS",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3
        },
        {
            "id": "p1.5",
            "order": 5,
            "type": "text",
            "bbox": {
                "l": 23.28,
                "t": 433.44,
                "r": 321.12,
                "b": 345.12
            },
            "text": "Credit card offers have often been available on college campuses. However, several new credit card laws began on February 22, 2010, and have restricted the availability of credit cards to college students. If you are under 21, you will need to show that you have the ability to make payments or you will need a cosigner in order to open a credit card account. Also, if you are under age 21 and have a credit card with a cosigner and want an increase in the credit limit, your cosigner must agree in writing to the increase."
        },
        {
            "id": "p1.6",
            "order": 6,
            "type": "text",
            "bbox": {
                "l": 23.76,
                "t": 341.28,
                "r": 326.64,
                "b": 285.12
            },
            "text": "Having a credit card is a big responsibility, and you should have income to support it. If you decide to get a credit card, shop around for one with a lower interest rate and fees. If you have a credit card already, try to use it only for emergencies, and pay it off as soon as the bill arrives, if possible."
        },
        {
            "id": "p1.7",
            "order": 7,
            "type": "text",
            "bbox": {
                "l": 21.84,
                "t": 281.52,
                "r": 322.56,
                "b": 203.52
            },
            "text": "Use credit only if you are certain that you can repay the debt. If you owe too much on a credit card, you may be unable to pay your college bills. You can ruin your credit rating for a long time by not paying the credit card and paying on time. Remember, you will pay back the amount you borrowed plus any interest accrued on the unpaid balance. Also, avoid cosigning for anyone. If they fail to pay, you will be responsible for the bill."
        },
        {
            "id": "p1.8",
            "order": 8,
            "type": "heading",
            "bbox": {
                "l": 357.84,
                "t": 424.8,
                "r": 439.2,
                "b": 409.92
            },
            "text": "REFERENCES",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3
        },
        {
            "id": "p1.9",
            "order": 9,
            "type": "text",
            "bbox": {
                "l": 356.16,
                "t": 399.36,
                "r": 645.12,
                "b": 367.2
            },
            "text": "Bankston, J. (2006). Money matters: making the most of your dollars and cents for college students. Frankfort, Kentucky: Kentucky State University Cooperative Extension Program."
        },
        {
            "id": "p1.10",
            "order": 10,
            "type": "text",
            "bbox": {
                "l": 356.16,
                "t": 362.64,
                "r": 659.04,
                "b": 330.72
            },
            "text": "Federal Reserve Board (2010). New credit card rules. Retrieved November 4, 2010 from http://www.federalreserve.gov/consumerinfo/wyntk_creditcardrules.htm"
        },
        {
            "id": "p1.11",
            "order": 11,
            "type": "text",
            "bbox": {
                "l": 356.64,
                "t": 325.92,
                "r": 624,
                "b": 282.72
            },
            "text": "National Endowment for Financial Education (2008). 40 money management tips every college student should know. Retrieved November 5, 2010 from http://hsfpp.nefe.org/students/index2.cfm?deptid=15"
        },
        {
            "id": "p1.12",
            "order": 12,
            "type": "text",
            "bbox": {
                "l": 356.4,
                "t": 279.84,
                "r": 649.44,
                "b": 246.72
            },
            "text": "University of Illinois Office of Student Financial Affairs (2006). Money management. Retrieved October 14, 2006 from http://www.osfa.uiuc.edu/finaid_basics/money_manage.htm"
        },
        {
            "id": "p1.13",
            "order": 13,
            "type": "text",
            "bbox": {
                "l": 358.08,
                "t": 242.88,
                "r": 461.28,
                "b": 229.92
            },
            "text": "Graphics: Liquid Library"
        },
        {
            "id": "p1.14",
            "order": 14,
            "type": "text",
            "bbox": {
                "l": 356.88,
                "t": 227.04,
                "r": 626.88,
                "b": 203.52
            },
            "text": "Graphic Design by: Diane Murphy, Graphic Designer, Division of External Relations and Development, Kentucky State University"
        },
        {
            "id": "p1.15",
            "order": 15,
            "type": "heading",
            "bbox": {
                "l": 24.72,
                "t": 183.12,
                "r": 228,
                "b": 143.28
            },
            "text": "PROTECT YOUR PERSONAL INFORMATION",
            "attrs": {
                "block_label": "paragraph_title"
            },
            "level": 3
        },
        {
            "id": "p1.16",
            "order": 16,
            "type": "text",
            "bbox": {
                "l": 22.08,
                "t": 140.64,
                "r": 322.08,
                "b": 19.2
            },
            "text": "Avoid identity theft by safeguarding your personal and financial information. Do not give your Social Security, credit card, or bank account numbers to anyone or any company unless there is a legitimate reason (such as the university for financial aid records). Remember your Social Security number, and do not carry your card in your wallet unless you have a need for it (keep it in a safe place). Shred papers that have account numbers on them. (Do not share your PIN with anyone.) Don't send your credit card number over the Internet unless it is a secure website. Shred unused credit card offers. Review credit card statements and telephone bills for unauthorized use. If you are a victim of identity theft: contact the credit reporting agencies and place a \"fraud alert\" on your credit report; report lost or stolen credit, debit, and ATM cards, and close accounts; file a police report; and keep records of everything."
        },
        {
            "id": "p1.17",
            "order": 17,
            "type": "figure",
            "bbox": {
                "l": 360.72,
                "t": 137.52,
                "r": 423.12,
                "b": 75.6
            },
            "text": "",
            "attrs": {
                "block_label": "image"
            }
        },
        {
            "id": "p1.18",
            "order": 18,
            "type": "text",
            "bbox": {
                "l": 355.44,
                "t": 53.28,
                "r": 660.24,
                "b": 22.08
            },
            "text": "Educational programs of Kentucky State Cooperative Extension serve all people regardless of race, color, age, sex, religion, disability, or national origin.\n8/07 - REVISED 3/16"
        },
        {
            "id": "p1.19",
            "order": 19,
            "type": "figure",
            "bbox": {
                "l": 700.32,
                "t": 591.84,
                "r": 991.92,
                "b": 15.84
            },
            "text": "",
            "attrs": {
                "block_label": "image",
                "embedded_text": "P\nOWER"
            },
            "children": [
                {
                    "id": "p1.19.1",
                    "order": 20,
                    "type": "text",
                    "bbox": {
                        "l": 736.32,
                        "t": 404.4,
                        "r": 989.52,
                        "b": 324
                    },
                    "text": "Wise Decisions About Your Money & Your Life\nFor College Students\nBy Joanne Bankston, Ph.D.\nState Extension Specialist\nKentucky State University\nCooperative Extension Program"
                }
            ]
        },
        {
            "id": "p1.20",
            "order": 21,
            "type": "title",
            "bbox": {
                "l": 711.6,
                "t": 586.32,
                "r": 948.48,
                "b": 418.32
            },
            "text": "MONEY POWER",
            "attrs": {
                "block_label": "doc_title"
            },
            "level": 2
        },
        {
            "id": "p1.21",
            "order": 22,
            "type": "footnote",
            "bbox": {
                "l": 431.52,
                "t": 138.72,
                "r": 583.68,
                "b": 67.2
            },
            "text": "Developed by: Joanne Bankston, Ph.D.\nState Extension Specialist for Family Economics and Management Cooperative Extension Program\nKentucky State University\nFrankfort, KY",
            "attrs": {
                "block_label": "vision_footnote"
            }
        }
    ],
    "excluded_furniture": {
        "first": [],
        "last": []
    }
}