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• I don't know where to begin.
  The most important part about beginning to save and invest is just that…beginning. In fact, changing your attitude toward saving and investing may be the biggest hurdle you have to overcome.. bout beginning to save and invest is just that…beginning. In fact, changing your attitude toward saving and investing may be
• The Single Woman
  Scenario: Rosa is a 40-year old single woman living in Rhode Island. She is a manager of media development for a large Fortune 500 company.. Scenario: Rosa is a 40-year old single woman living in Rhode Island. She is a manager of media development for a large Fortune 500 company. She earns
• Ready to Buy a Home
  Scenario: Malcolm and Gayle are a young couple living in Iowa. Both have full-time jobs earning a combined annual salary of 80,000.. Scenario: Malcolm and Gayle are a young couple living in Iowa. Both have full-time jobs earning a combined annual salary of 80,000. Their main monthl
• Saving and Spending
  When two families come together spending money – and intentionally saving, or not spending, money - is often an issue. Two previously single parents usually have had no one else involved in their decision-making about spending and/or saving money.. When two families come together spending money – a
• Start Out Smart! 7 Money Moves to Make Now
  Congratulations – you have a job! Your first full or part-time job can be exciting, overwhelming and scary…all at the same time. The biggest benefit is of course having a real paycheck! Before you run out and spend that entire first paycheck, there are a few wise financial “first moves” you should c
• It's too overwhelming to figure out.
  Let's take it one step at a time. What are you saving for? Chances are you already know the answer to that question, you may have just never put it down on paper.. a time. What are you saving for? Chances are you already know the answer to that question, you may have just never put it down on paper. Here's an ea
• I have a pretty good budget, but....
  Ultimately, you'll need to decide for yourself what financial goals are most critical for you to reach. Everyone's financial planning methods are different…personal.. o decide for yourself what financial goals are most critical for you to reach. Everyone's financial planning methods are different…personal. Following
• The Emotional Transition to Homeownership
  The process of looking for, negotiating and finally buying a new home can be both exciting and nerve-wracking. Being so invested in something can really change your views on some things – like how you think about making financial decisions or how you choose to spend time to care for your home..
• Ways to Save for College
  Once you choose to make saving for a child’s college education a financial priority for your family the next step is creating a plan to make it actually happen. Here are a few tips to find and begin carving out savings: Examine your budget.. Once you choose to make s
• The Young Couple
  Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in nursing school and also works part-time as a nursing assistant at a local hospital.. Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in
• Saving
  Saving money is not something that we, as Americans, are very good at. In fact the U.. hing that we, as Americans, are very good at. In fact the U.S. Department of Commerce reported that America’s personal savings rate is the lowest in the industrialized world. .Saving money is a critical habit to develop a
• I don't really need to worry about saving and investing enough now for my retirement. If it isn't enough, I'll just have to keep working no matter how old I am.
  Regardless of whether you have saved enough money to retire, it is very likely that at some point in your life you simply either will not be able to work or there will be no work opportunities. Yes, people are working at jobs later into life, delaying retirement or gradually working their way into f
• Teenagers
  Your teenage children will need to take increasing responsibility for spending and saving and learn from the natural consequences of personal financial choices. Talk with your teen about the values you and your spouse hold regarding money, how those values have shaped your financial choices as a fam
• Banking and Saving
  Banking and savings are two basic building blocks of personal financial planning. Saving money is fundamental to creating the resources necessary to invest for your financial future.. Banking and savings are two basic building blocks of personal financial planning. Saving money is fu
• College Education Cost Planning
  Being able to pay for – or help pay for – a child’s education is one of most parents’ significant, and costly, financial goals. In fact “Money” magazine found that: 41% of parents plan to pay their child’s full college bill 54% plan to pay some costs 95% plan to pay at least something toward their c
• The Basics of 529 Plans to Save and Invest for College
  If you have children and you would like for them to attend college you need to start saving – and investing that savings so that it can grow in value - now. While most Americans cite “paying for a child’s education” as a top family financial priority, according to a December 2009 FINRA Foundation su
• 10 Great Things to Do with Your Tax Refund
  According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly 2,500. Do you anticipate receiving a refund? If so, don’t just rush ahead and spend it.. According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly
• I don't have enough time to figure this all out.
  Do you have 30 minutes? Then you can start implementing a personal saving and investing plan. One of the biggest barriers to saving and investing, for many people, is the lack of time.. Do you have 30 minutes? Then you can start implementing a personal saving and investing plan. One of
• 10 Things Every Public Worker Should Do
  Read your benefits package carefully and attend any new employee orientation meetings or review resources through your organization’s internal website. Make sure you know the deadline for selecting or signing-up for benefits and when the next open enrollment period is. Talk with someone in your HR d
• Goal Setting
  Think of the last time you felt really proud of yourself. What was it that you achieved that you took pride in?  Was it an award that you won at work?  Losing a certain amount of weight?  Finishing coursework toward a degree?  Chances are that whatever it was, you thought about it, planned for it and wo
• Talk About Your Financial Goals
  Just as you and your new spouse probably have goals for how you as husband and wife, and your children, will merge into a new family structure, it’s important talk about what type of financial goals you want to set for your blended family. Some common financial goals for couples are: Raise a family
• Spending and Saving Decisions
  As you work through your financial goals and priorities it will become easier to reach agreement about how you will spend and save money. It seems obvious but the only way to save money is to find ways to not spend all the money you’re bringing in.. As you work through your financial goals and prior
• Financial planning, saving and investing isn’t really my thing. I believe it's better to simply live for today. You don’t know what will happen tomorrow anyway.
  Many people fear dealing with financial issues, feel overwhelmed at the thought of managing their money, are convinced that they don’t have the skills needed to create their own financial security, or don’t think it will matter anyway. The truth is that not only do you have the basic abilities neede
• 13 Things Your Family Can Do Today
  All parents want their children to grow up knowing how to responsibly handle money – how to earn money, how to most wisely spend it, and how to invest it well for future needs. But how does that happen?  Here are 13 things that every family can do together to take control of your finances to reach im
• Asset Allocator
  ASSET ALLOCATION is a crucial first step in creating a well-diversified portfolio. The worksheet below will help you tailor your asset mix to your own particular needs.. ASSET ALLOCATION is a crucial first step in creating a well-diversified portfolio. The worksheet bel
• Similarities between Health and Money
  Let’s consider some of the similarities between your health and your money, and then address small ways that you can begin making positive steps in both areas. Barbara O’Neill and Karen Ensle at Rutgers University have identified some interesting, practical similarities between money and health and
• Discuss a Prenuptial or Postnuptial Agreement
  Prenuptial agreements are becoming more common, especially in second marriages (which fail at an even faster rate than first marriages) and not just for the very rich. While it may not seem very romantic, bringing up the subject of a prenuptial or postnuptial agreement can be viewed as a wise way of
• More about Debt Financing
  Although banks and financial institutions may advertise how much they enjoy lending to small businesses, do not expect to qualify for a loan without a solid business plan and some track record of success. Small business loans from banks usually have at least a 50,000 minimum because the banks canno
• Welcome to Tomorrow's Money
  Wouldn't it be nice to look forward to the future confident about your finances? The truth is that most women aren’t. In fact, three-quarters of all American women are worried about their financial future but not sure about what to do about it.. ok forward to the future confident about your fina
• Seasonal Stories
  Fall Home Buying 101 Want to become a homeowner? Wonder what it will take to get there? Click here to check out our new series on "Home Buying 101" - a step-by-step monthly guide to turning the dream of homeownership into a reality . Open Enrollment It's fall - the "open enrollment" season for thous
• I'm too busy paying off debt.
  Congratulations! You've already begun taking charge of your financial future…maybe without even realizing it! Paying off debt, particularly debt that carries a high interest rate such as credit card debt, is for many the best first step to begin saving and investing for your future. That said, you s
• It's too late for me to start.
  Nonsense. You know the tired bumper sticker “It's never too late to have a happy childhood” Well, it's true that it's never too late to start saving and investing.. red bumper sticker “It's never too late to have a happy childhood” Well, it's true that it's never too late to start saving and investing. Sure, your
• I don't know where to turn for help.
  Once you're comfortable knowing your own financial situation, and have begun making some small, but very important steps, toward saving and investing you may want to get additional help. There's a wealth of good, easy-to-understand, free help available by going online or doing some simple research a
• No More Excuses
  If you're feeling guilty or panicked for not already having a personal financial plan in place, you're in good company. Would it help you to know that most people who haven't begun saving and investing for their future have the same excuses for not doing so? This section is designed to help you face
• I live in a large, multigenerational family. We pool pretty much all of our money to take care of one another so I don't really need to worry about managing money.
  The number of multigenerational families - households with three or more generations living together - is on the rise. Many multigenerational families choose to regularly pool their resources to help care for one another and shoulder the financial burdens of everyday living.. tional families - househo
• I've already declared bankruptcy, my credit is ruined, and I know I'll never really be able to get ahead--so what's the point?
  Failure is not final, so the saying goes. The same is true for bankruptcy.. the saying goes. The same is true for bankruptcy. Every year hundreds of thousands of Americans file for bankruptcy and have to begin the road back to repairing their financial life. Regardless of how disappointing or even de
• Managing Maternity/Paternity Leave
  You may need, or want to, take leave before the baby is born – due to medical or other reasons, and you will certainly want to take at least some time off after delivering your child. You’ll want to check with your employer to learn about their maternity/paternity leave program.. take leave before the ba
• Learn More
  Financial confidence comes from continually building on and applying the knowledge you have that is relevant your particular situation. If you’re interested in learning more about this topic the following sections can provide helpful information, tools and tips.. s from continually building on and applying the kn
• How Much Should You Save?
  FIRST, THE BAD NEWS: If you have dreams of sending your newborn child to Harvard, you'll have to raise a small fortune to foot the bill. Now, the good news: Thanks to the emergence of 529 plans, saving for college is easier than ever.. FIRST, THE BAD NEWS: If y
• Financial Aid Implications
  Just because you have saved and invested for a child’s college education through a 529 plan you may find that you don’t have all the funds needed when s/he arrives on campus. Most parents look for supplemental college financing by applying for financial aid.. Just because you have sav
• About SIFMA FIE
  The SIFMA Foundation is an independent 501c3 organization that develops and directs initiatives to promote financial and investor education for all ages, spurring greater economic independence for individuals and enabling them to better access the opportunities inherent in our global marketplace. Th
• About The SIFMA Foundation
  The SIFMA Foundation is an independent 501c3 organization that develops and directs initiatives to promote financial and investor education for all ages, spurring greater economic independence for individuals and enabling them to better access the opportunities inherent in our global marketplace. Th
• Sources of Possible Aid
  In addition to saving and investing for college there are numerous sources of free or low-cost aid for college. It is worth the time it takes to investigate options to supplement your current savings for your education or even possibilities for full funding.. In addition to saving and
• Borrowing Against Your Current Assets
  If you have explored all the other options in putting together a “package” of ways that your family will pay for your child’s education—and you get to the point where you are looking for additional sources of income or assistance to help fund your children’s college tuition, you may want to, or need
• Who Can Help Me with My Taxes?
  If you’re like millions of Americans, you may be overwhelmed at the prospect of preparing your tax return. Maybe you’re considering getting some professional help at tax time so you know what papers to collect and what forms to complete.. If you’re like millions of Americans, you may be o
• Steps to Take in Your 30s and 40s
  At this stage of your life you have probably settled into a career and have a few thoughts about where you would like to be personally, professionally and financially in your future. This is also a stage where you may begin making some significant choices and investments such as returning to school
• Planning for Retirement While You’re in the Military
  Whether or not you, or your spouse, are considering a full career in the military, it is important to think about, prepare and plan for your retirement years. While it can seem like it is very far off and your everyday needs and wants are more important, starting to save for retirement now – even in
• I can't do anything different financially for the future because I need every penny I make now for my kids.
  While it’s true that most families feel financially stretched, there are ways to make simple changes in your everyday spending and budget to create savings. It can be very encouraging to realize that small changes can create significant savings.. While it’s true that most families feel financiall
• Budgeting on a Military Salary
  Budgeting can seem very difficult on a military paycheck, especially if your servicemember is not earning a lot and if you, as a spouse, are unable to bring in steady additional income to supplement the military pay. Often it can be difficult for a military spouse to earn additional regular income b
• Create a New Budget
  A budget provides a commonly-agreed upon set of priorities from which you and your new spouse can make decisions. Be patient – it may take a while to learn how you each view and use money.. A budget provides a commonly-agreed upon set of priorities from which you and your new spouse can ma
• Paying for Child Care
  As you think through what type of child care you would like to secure, plan according to your finances. If you don’t already have one, start by . As you think through what type of child care you would like to secure, plan
• Paying for Child Care
  As you think through what type of child care you would like to secure, plan according to your family’s finances. If you don’t already have one, start by . As you think through what type of child care you w
• Budgeting for Healthcare Costs
  Budgeting for future healthcare costs is important so that you’re not caught off guard by unexpected bills, forcing you to put them on a credit card or dip into savings. When thinking about and planning for future healthcare costs think through potential future needs including: Co-payments for docto
• The Single Male
  Scenario: Steve is a 32-year old single male, working as an accountant for an oil drilling firm in Texas. He has been with the company for 2 years and currently earns 48,000 about 39,000 after taxes.. Scenario: Steve is a 32-year old single male, working as an accountant for
• The Retirees
  Scenario: Roy and Helen are both 67, retired, and live in West Virginia in the same house they raised their kids. Their kids and 4 grandchildren just live down the road from them.. Scenario: Roy and Helen are both 67, retired, and live in West Virginia in the same house they raise
• Getting Married
  Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 25-year-old teacher earning 28,000 a year.. Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 2
• Caring for Dad
  Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago and had to be moved to a nursing home.. Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago
• A Single Mom
  Scenario: Candy is struggling right now. She works at a local super mart.. Scenario: Candy is struggling right now. She works at a local super mart. She has two kids and wants to do the right things but just can’t seem to get things to go her way. She can’t make ends meet, there is more month than m
• A Divorcee
  Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorce from her husband of 4 years.. Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorc
• The Financial Effects of Divorce
  In most cases blended families arise from at least one, and usually both, spouses being previously divorced and remarrying after living as single parents. Divorce creates financial hardship for both spouses, but most glaringly for the wife/now-single mother.. In most cases blended fam
• Managing Child Care as a Single Parent
  If you are a single working parent, you have a lot on your shoulders. If you have young or school-age children, you, like millions of other women, probably also have to constantly manage your family’s need for high-quality childcare given your financial resources.. If you are a single worki
• Starting Your Marriage Off on the Right Financial Foot
  Planning to get married is an exciting time. But it also involves making a lot of decisions – where to get married and when, who to choose for the wedding parties, which cake and invitations…the list of choices and things to discuss with your significant other can seem endless..
• Critical Habits Single Women Need to Develop for Financial Independence
  What most of us secretly want is someone to say “this is the big picture and here’s how to get there. While there is no “magic formula” (and steer clear of anyone who promises you that there is! there are some guiding principles that you can adopt to increase your financial confidence and security. 
• Life Insurance
  Does anyone depend on your ability to work and make money? What financial resources would they have if you died and suddenly weren't there to support them? Are you married? In the U.S.. Does anyone depend on your ability to work and make money? What financial resources would they have
• Financial Issues and Concerns
  One of the top reasons that most families give for merging households is economic pressure and an inability to afford more than one household. This situation is compounded if families are suddenly faced with an additional setback such as a divorce or a family member getting ill, losing a job or beco
• Children’s Allowances and Spending
  Not only will you and your new spouse need to discuss how you will personally manage your family’s finances but you will need to talk about your children’s experience with money and, more specifically, their allowances and spending. Parents hold a wide variety of thoughts toward how their children s
• Bill-Paying Tips
  You have a lot to juggle and make time for – kids, work, maintaining a home, etc. Consider processes that can reduce the time it takes to pay your bills and make it easier to create savings automatically for your future.. You have a lot to juggle and make time for – kids, work, maintaining a home
• Preteens or ”Tweens”
  As children reach their preteen or “tween” years they need to begin taking greater responsibility for their spending and saving choices. Show your children your family’s budget and then help your child create his/her own personal budget Consider having your child sit down with you on a monthly basis
• Elementary-age school children
  At this age children can begin to take a more active role and grasp bigger concepts regarding money. Reinforce the concept of coins and paper money and introduce the concepts of checks and credit cards.. At this age children can begin to take a more acti
• Your Money Mindset
  Managing your money means choosing to take responsibility for earning, spending, saving and investing money according to your own personal and financial priorities. While there are a lot of actions involved in managing money, the common thread through all of those decisions is that they are things y
• My family never had money when I was growing up, but my parents did okay.
  All of us have a “financial past” and for most of us our present-day views on money were, to a smaller or greater extent, built upon that past. But times change.. All of us have a “financial past” and for most of us our present-day views on money were, to a smaller or greater extent, bui
• Planning Your Exit
  Setting clear goals for your business involves having some end in sight, even if that’s your own retirement. You may want to build a business that can someday be sold to a competitor or even taken public in a stock offering (in which case it has to be quite big and quite stable).
• Setting Reasonable Goals
  Like many major life steps, the decision to start your own business begins with a review of where you are, where you want to be, and what you need to get there. Some questions to ask yourself include: Are you more interested in money or in being your own boss?  Do you want to build a business you mig
• Staying in Financial Control While You’re in College
  Going to college can be exciting, fun…and expensive. And we’re not just talking about tuition, room and board.. Going to college can be exciting, fun…and expensive. And we’re not just talking about tuition, room and board. There can be a lot of unexpected, small expenses that can add up
• First-Time Homebuyers Can Use Tax Credit for Down Payment, Closing Costs for FHA Mortgage
  If you, like many potential home buyers, are leaning toward buying a home in part due to the 8,000 federal tax credit you may be in for a very nice surprise. Instead of having to purchase a home, file a federal income tax return and only then get the tax credit, buyers who choose to apply for a.
• To Rent or to Buy?
  THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you build equity and get to write off your mortgage interest.. THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you bu
• To Buy or to Lease?
  SHOULD YOU lease or buy? Conventional wisdom says if you lease you'll have nothing to show for your money when the term is up. But that ignores the opportunity cost inherent in buying: after all, the money you pay up front for the car could be invested instead..
• Should You Borrow from Your 401(k) or 403(b)?
  These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b) plan participants can too.. These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b
• 15 Useful Tips for Entrepreneurs
  1. Believe in yourself.. 1. Believe in yourself. If you don’t, your customers won’t either. 2. Set clear goals. If you don’t know where you are going, you will never get there. 3. Practice your elevator pitch. That’s the 30-second description of your business that you can use to let someone know who
• If a Beneficiary Does Not Attend College
  Even the best-intentioned plans can change.  If the beneficiary of your 529 prepaid tuition or savings plan chooses not to attend college you have several options for your funds.. Even the best-intentioned plans can change. If the beneficiary of your 529 prepaid tuition or saving
• Transferring Military Homeowners to Get Expanded Assistance
  Military service members, their families, and federal Department of Defense (DoD) civilian employees who stand to lose a lot of money on the sale of their home as a result of a transfer order may be able to get some much- needed financial assistance. The U..
• Distressed Homeowners May Get Foreclosure Postponement Help from Project Lifeline
  Homeowners at risk for losing their homes may be eligible to receive help through a “Project Lifeline” program. Through the program six major lenders – . Homeowners at risk for losing their homes may be eligible to receive help through a “Project Lifelin
• Which way to file?
  Once you've finished getting all your paperwork in order, you'll need to decide HOW you want to file - electronically or by mail. If you want to get your refund as quickly as possible, file online.. Once you've finished getting all your paperwork in order, you'll need to decide HOW you want to file
• Educational Benefits
  The military offers a variety of educational benefits for active duty servicemembers, members of the National Guard and Reserves, college students preparing for military service, veterans and military spouses and dependents. Let’s first look at educational benefits specifically for servicemembers: M
• Tax Issues
  While none of us particularly enjoys having to file and pay taxes it is an important part of our financial planning. Our Tomorrowsmoney.. While none of us particularly enjoys having to file and pay taxes it is an important part of our financial planning. Our Tomorrowsmoney.org website pr
• Government Loans
  The U.S.. The U.S. federal government’s Federal Student Aid (FSA) program is the largest source of student financial aid in the country. FSA programs provide more than 60 billion a year to students. The Department makes two types of student loans: Federal Perkins Loan. This is a fixe
• Planning for Health Costs
  Part of improving, or maintaining, your physical and financial wellness is preparing for future needs and making plans to meet those needs. Physically that involves keeping an eye on the food you’re eating, the calories you’re taking in, making time to exercise and getting regular checkups..
• Refund Anticipation Loans
  If you watch TV, you’ve seen ads for them. If you use a tax preparation center for help in filing your taxes, you’ve heard about them.. If you watch TV, you’ve seen ads for them. If you use a tax preparation center for help in filing your taxes, you’ve heard about them. What are they?
• Your Blended Families’ Financial Reality
  Eight out of 10 people who divorce remarry, and, according to U.S.. Eight out of 10 people who divorce remarry, and, according to U.S. Census Bureau statistics they usually do so within three years. But in addition to having some marriage “experience, divorced men and women with children who
• Single Moms and their Money
  It’s often been said that being a single parent is one of the hardest jobs on the planet. Without another adult to share responsibilities for parenting, running a household and financially caring for a family, the burden can be weighty.. It’s often been said that being a single parent is
• Making the Decision to Go Back to School
  Frances felt stuck. She had been with the same company for 10 years and had worked her way up to a position in internal sales.. Frances felt stuck. She had been with the same company for 10 years and had worked her way up to a position in internal sales. But with two children a
• What Is Mortgage Foreclosure
  Sadly some people end up having their homes foreclosed upon simply because they were too embarrassed to contact their lender, or didn’t know what foreclosure is and what options are available to them to avoid foreclosure. Let’s start by getting clear on what foreclosure is: Foreclosure is a legal pr
• Borrowing Against Your Retirement Savings
  While experts don’t recommend tapping into your retirement savings for any reason- because you are putting savings and potential interest and growth opportunities at risk- you may be considering this as one of your only options. Before you do anything, let’s look at what’s involved in borrowing agai
• Your Child’s School
  While at college your child may be able to obtain financial aid and income assistance through tuition waivers where a portion or all of a student’s tuition is dismissed or “waived” if he/she can demonstrate financial need. These are more commonly found at private universities that charge higher tuit
• Your Family’s Financial Health
  With the pace of day-to-day life, trying to find time to focus on and manage your money could seem too difficult. But taking time now – even just carving out 10-15 minutes a day or every other day – to learn about how to set financial goals, manage your money, save money and invest that savings for
• The Difficult Financial Reality Facing Single Mothers
  The reality can be difficult to acknowledge: single mothers have often more than double the workload and yet financially typically have far less than half the income and assets than their married or single father counterparts. Most single working mothers are faced with the sobering reality that they
• Ways to Invest and Grow Your Savings for College Tuition
  It’s not enough to want to help your child afford college you need to have a plan to make it actually happen. However, putting money into a savings account at your bank or credit union won't earn enough interest to foot the bill.. It’s not enough to want to help your child afford
• Living on Less: What to Do When Your Pay is Cut
  Every day workers of all types, across all industries, get the bad news from their boss that their pay is going to be cut. Whether it’s because your company is going through a tough financial stretch, or because the economy at large is making it impossible for your employer to make payroll, or becau
• A New Family Budget and New Financial Decisions
  In many ways, your newborn’s arrival is just the beginning. In addition to all of your child-rearing duties there are important financial decisions to make and action steps to take as well.. n’s arrival is just the beginning. In addition to all of your child-rearing duties there are important financial decisions to
• Insurance Benefits
  It can be easy to think that it’s not financially possible for your family to afford insurance. But with some work and help from the staff in your family support center you may be able to find affordable forms of insurance to provide for and protect your family’s future.. hat it’s not financially
• Investing
  One of the most common questions single women have as they begin taking control of their finances is “how do I become an investor? Too often women are under the wrong impression that there is some sort of “one size fits all” way to invest. There isn’t.. estions single women have as they begin taking con
• Comparing Plans
  Once you have made the decision to begin saving for a college education, you understand that 529 plans offer a way for your savings to go farther, and you have thought about both your risk tolerance and your child’s age relative to their college entrance date, the next step is to compare possible pl
• Shopping for a Mortgage
  As the song goes, "My Momma told me, you better shop around." When it comes to buying a home, shopping around means not only finding the right home, but also finding the right mortgage.. As the song goes, "My Momma told me, you better shop around. When it comes to buying a home, shoppin
• Financial Tools
  In addition to insurance benefits your employer will likely offer various financial tools that you can use to reduce your taxable income and save for your short-term needs and long-term goals. Health Spending Accounts Healthcare spending accounts provide you with a way to pay for health care expense
• What to do when Downsizing?
  Most people cite "being able to stay in my home" as one of their top financial priorities. If your finances are tight, you might want to do a little math to figure out how your current monthly mortgage compares to your current income.. Most people cite "being able to stay in my home" a
• Help If You are Concerned about Being Able to Pay Your Mortgage
  If you own your own home but still have a monthly mortgage payment that is probably one of your highest financial priorities. If you find yourself in a situation where your finances are so tight or that you have such quickly mounting debt that you are having difficulty making your mortgage payment i
• The Financial Side of Homeownership
  Buying a home is the single largest financial commitment that most people ever make. By taking some time to think about and plan how you will maintain your investment and stay current on your mortgage, you can create some good financial habits at the outset of homeownership that will pay off for yea
• Financial Pressures and Your Health
  Stress is an accumulation of mental and physical tension. Stress can: distract your mental focus drain your energy impair your immune system and increase susceptibility to illness or disease create real physical reactions such as heart palpitations, panic attacks, nausea, headaches and sleepiness ca
• Comparing Mortgage Costs
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