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• About Our Partners
  Our Donors SIFMA Foundation Supporters can be found here: . Our Donors SIFMA Foundation Supporters can be found here: http:www.sifma.org/ education/ pdf/ SIFMA-Fdn-Supporters-SF.pdf Our Pr
• About Our Partners
  Our Donors SIFMA Foundation Supporters can be found here: . Our Donors SIFMA Foundation Supporters can be found here: http:www.sifma.org/ education/ pdf/ SIFMA-Fdn
• 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
• Preserving the Value of Your Home and Community When the Housing Market Changes
  With the increased rate of home foreclosures nationwide, many homeowners, and home sellers, are facing tough questions about how to maintain as much of their home's value as possible, how to sell a home in a slowing real estate market, and how to ensure that their community remains a desirable place
• A Baby on the Way
  Scenario: Eddie and Ellen are both in their early 30s, have been married for 3 years and are living in Connecticut. They bought Ellen’s grandmother’s house when she decided to downsize.. Scenario: Eddie and Ellen are both in their early 30s, have been married for 3 years and are living
• Counteroffers and Closing
  Don’t get discouraged or worried if you decide to make a counteroffer. Typically buyers and sellers reach agreement by the second or third go-around.. Don’t get discouraged or worried if you decide to make a counteroffer. Typically buyers and sellers reach agreement by the se
• Mortgage Center: Resources
  Mortgage Counseling . Mortgage Counseling HopeNow U.S. Department of Housing and Urban Development (HUD)Approved Housing Counseling Agencies Homeownership Preservation Foundation Acorn Housing Corporation Credit Counseling Association of Consumer
• Resources for Blended Families
  There are numerous online resources for blended families including: National Stepfamily Resource Center (. There are numerous online resources for blended families including: National Stepfamily Resource Center ( www.stepfamilies.in
• Welcome to Tomorrow's Money for Young Adults
  What do you want out of life?  Almost any goals you have—start a job, rent an apartment or buy a home, buy a car, get married, have a family, be more financially independent and secure…The common denominator of nearly all life goals is that they require money. Every day you interact with money. You s
• 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
• 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
• 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
• Selling Your Home Part II
  Once you have decided to sell your home, and prepared it to put it on the market you have several choices to make.. Once you have decided to
• Offers & Counteroffers
  When you've found the home you want the next step is decide whether or not you want to make an offer, meaning that you want to tell the seller that you want to purchase the home. Making an offer is where you put pen to paper and outline exactly how much money you're willing to pay for the home and u
• Selling Your Home Part 1
  Every year millions of Americans sell their homes. Some of the most common reasons for selling a home are: Relocating for a job Needing or wanting more room for a growing family Moving after retirement Downsizing Moving to a more desirable or convenient neighborhood for work or school This month we’
• Rising Interest Rates and the Mortgage Crunch and What It May Mean to You
  The initial housing boom began in early 2002 - 2003. Interest rates were falling to all-time lows.. The initial housing boom began in early 2002 - 2003. Interest rates were falling to all-time lows. A surge of homebuyers eager to take advantage of the low interest rates on mortgages began pushing ho
• Short Sales: What They Are and Why a Homeowner Might Pursue One
  Homeowners who are pressed to make their mortgage payments – or are already behind – may consider trying a short sale as an option to letting the bank foreclose. A short sale is when a mortgage lender agrees to accept less money than the amount the homeowner owes on the loan.. d to make their mortgage
• Blended Families
  Blended families—they used to be a “new” form of family. Now they are increasingly the norm.. According to the Stepfamily Foundation, nearly 1,300 new step, blended or second families are created every day in the U.S. in fact 64% of all American families are some form of blended family. Blendi
• Press Room
  Welcome to the press room. We've provided links to helpful information on the site, as well as research pieces for background on the site and contact information if you'd like to follow up for interviews or if you have questions.. . We've provided links to helpful information on the site, as well as resea
• 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
• 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..
• Story File
  We know you're under pressure to file relevant, factual stories on tight deadlines. To help be a premiere "GO TO" resource for personal financial planning issues, we've compiled a list of seasonal and evergreen story ideas.. We know you're under pressure to file relevant, fa
• My future spouse or partner will help me with my finances.
  One thing in life is certain— you can’t predict the future. While you may hope or even fully expect to find a spouse or partner that you can build a long-term relationship with, it’s not guaranteed.. One thing in life is certain— you can’t predict the future. While you may hope or even fully expect
• The 5 Stages of Blended Families
  When people with children remarry, they usually face a long, typically confusing and tension-filled process of becoming a new family unit. By their very nature, blended families are born of loss.. When people with children remarry, they usually face a long, typically confusing and tension-filled
• 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..
• Raising Money-Wise Kids
  If you’re like most mothers – single or married – you want your child to grow up with the skills he or she will need to succeed in life. One of the most important skills you can help your child develop is money management.. If you’re like most mothers – single or married – you want your child to gr
• 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
• How Long Will My Money Last?
  IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Our calculator will help you figure how long your investments will last.. IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Ou
• 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
• 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
• Monitoring Your Investment
  As with any investment it’s important that you open and review the correspondence you receive from the plan or your financial adviser. Check to make sure that: all money you have deposited (or you know was deposited by others) since the last statement has been credited to the account you understand
• 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
• I am not sure how to help someone who is in financial trouble and is looking to me for assistance.
  Every day people find themselves facing sudden, unexpected or unwanted life changes that affect their ability to earn money, pay bills, and make choices to keep life working for themselves and their families. Young people, college graduates, seniors, single parents, middle-aged workers – none of us
• Investing
  Many of us do not think of ourselves as investors. We may have created a budget and watch our spending; we may have savings accounts—or even a checking account that earns interest – but we may not have begun investing our savings because we haven’t mentally crossed the line from being a saver to bei
• Starting Out in Your 20s
  When you’re just entering the workforce it’s a great time to develop some financial disciplines that will become financially-rewarding habits for your future such as: Establishing some short- medium- and long-term financial and life goals Creating, and sticking to, a realistic budget Keeping a tight
• 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
• A Widow
  Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, she had to return to the work force full-time.. Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, s
• Earning
  You may have one sole source of income or you may have many different “streams” of income – such as part-time jobs, seasonal work, alimony, settlement income, etc. In large part your financial security will depend on your ability to obtain jobs that will provide you with adequate income and benefits
• Education
  Holding a college degree is an undeniable advantage in the job market. More than a third of all jobs in today’s workforce require a bachelor’s degree and earning a degree equals a much higher rate of lifetime earning.. Holding a college degree is an undeniable advantage in the job market. More
• 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
• 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
• When Things Change
  They say that the one thing that is constant in life is that it changes. The same is true for owning a home.. ng that is constant in life is that it changes. The same is true for owning a home. Things can change over time. Utility costs can increase. The interest rate on your mortgage can change. You need a n
• 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..
• Types of 529 Plans
  529 plans got their names from the section of the IRS tax code (section 529) which helped create this way of investing savings for college costs. There are two types of 529 plans: Prepaid Tuition Plans and Savings Plans.. 529 plans got their names from the section of the IRS tax code (section 529
• 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
• Mortgage Center: Frequently Asked Questions
  What is an ARM? An ARM is an acronym for "adjustable rate mortgage. That refers to a home loan where the interest rate charged on the amount of money you're borrowing to purchase the home adjusts, or changes, over time as the government raises or lowers the rate of interest that banks charge each ot
• 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
• 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
• Planning to Manage Wedding Day Costs
  According to a Conde Nast Bridal Group survey, the average cost of a wedding is approximately 27,800. Nearly one-third of all American couples pay for their own wedding and laying out that much money (or accumulating that much credit card debt) early on in the marriage can have a significant im
• 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
• 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
• Signing a Lease
  Depending on your timeframe and the market for rental properties in your area you may need to sign a lease quickly, in which case you need to understand what the lease outlines and what you’ll need to provide. If you’re renting from a large property management company (like those that own large apar
• How to decide if you really want to own a home
  It seems obvious but the first place to start is to decide whether or not you really want to own a home. No doubt, there are definite benefits to homeownership, including: Tax benefits.. It seems obvious but the first place to start is t
• 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
• Who Will Be Helped Under the Making Home More Affordable Program
  The Obama Administration’s 75 billion “Making Home Affordable” housing plan is designed to help approximately 9 million people who are at-risk for either defaulting on their mortgage loans or going into foreclosure. The plan is part of the 400 billion “bailout” package approved by Congress in Fall
• Eleven Steps Single Moms Need to Take
  Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and taking them places, responding to emails …. Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and ta
• Refinancing Your Mortgage as an Option to Hold onto Your Home
  For many homeowners who obtained an adjustable rate mortgage over the past few years to buy a home, both time and the economy have not been on their side. Millions of homeowners holding adjustable-rate mortgages are trying to determine if they can refinance their current home loan to be able to affo
• 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
• Buying a Newly Built Home
  At some point most of us have thought about our “dream home. Wouldn’t it be fun to choose your floor plan, appliances, carpet and paint? It’s also nice to think that you could be the home’s first owner.. At some point most of us have thought about our “dream home. Wouldn’t it be fun to choose your floor
• What Every Homebuyer Needs to Know Before Agreeing to a Mortgage
  Are you or a loved one considering becoming a homeowner? Taking on a mortgage loan to purchase a home can be an intimidating and confusing process. A Federal Reserve study for the Federal Trade Commission found that a significant percentage of homebuyers did not understand key features and costs of
• Working with a Realtor or Going it Alone
  One of the first impulses most people have when thinking about buying a home is finding a Realtor® But who exactly is a Realtor? And is a Realtor (capital R) the same as an agent? And what about a broker? Who exactly can help me? Real estate professionals can be very helpful in the home buying proce
• Mortgage Counseling If You're Having Trouble Paying Your Mortgage
  If you are having difficulty making your monthly mortgage payment or even facing foreclosure you cannot afford to wait and hope that you can resolve the issue later. If you are behind on your mortgage you can be faced with foreclosure, and sooner than you may realize.. If you are having difficu
• Finding the Right Home
  What words come to mind when you think about finding a new home? Exciting? Scary? Overwhelming? The truth is that finding a new home can be all of those things. The way you feel about finding a new home can depend on why you're moving and how much time you have to find a home.. What words come to mind w
• What to Do When It Becomes Difficult to Pay Your Mortgage
  Change happens. When you bought your home you may have budgeted carefully and never anticipated having difficulty making your mortgage payment.. Change happens. When you bought your home you may have budgeted carefully and never anticipated having difficulty making your mortgage payment. But ma
• What's New This Month
  July '09 : IOUs Issued by the State of California Strapped for cash, the state of California has started issuing more than 3 billion in IOUs to businesses, individual tax payers and county governments to whom it owes money. California state government officials have indicated that the IOUs – which
• Dealing with Deployment
  Deployment is a stressful time for every member of the family. By taking time to talk together as a family, and separately as a couple, you can better manage both the emotional and logistical aspects of being apart from your servicemember.. Deployment is a stressful time for every member of