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• 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..
• The FHA Secure Mortgage Loan Refinancing Program: What Is It and Could It Help You?
  An estimated 60,000 qualified homeowners with strong credit histories who have fallen behind on their mortgage payments because of rising interest rates initially offered on their adjustable-rate mortgages (called “teaser rates” will now be able to refinance into a government-insured “FHASecure” mor
• 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
• 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
• Standard Homeowners Policy Coverage
  A standard homeowners policy offers coverage for four major areas: your house’s physical structure, your personal belongings, liability (financial protection) for you as a homeowner, and expenses in the event that you are unable to live in your home following damage or theft. Your home’s physical st
• Making Home Improvements
  Whether you have purchased a real “fixer-upper” or you are considering modest “cosmetic” changes, making home improvements can be a way to make your home better fit your family, lifestyle and/or financial goals when re-selling. Deciding on Improvements and Setting Your Budget Making home improvement
• Banks Change Overdraft Policies
  The Federal Reserve has announced that as of July 1, 2010 banks will have to get their customers’ consent before charging them overdraft fees on their ATM and/or debit card transactions. Specifically banks will have to notify all new and existing customers about how they handle situations when an ac
• Help for Subprime Mortgage Holders
  If you obtained a subprime mortgage between January 1, 2005 and January 31, 2007 and you are either having difficulty paying the mortgage now, or think you will have difficulty paying it when the interest rate "resets" you may be able to qualify for help. The federal government has worked with mortg
• Boat Insurance
  If you are a boater you know the fun – but also the financial reality – of owning a boat. If you have homeowners or renters insurance and have a small-sized boat (i.. If you are a boater you know the fun – but also the financial reality – of owning a boat. If you have homeowners or renters i
• Flood Insurance
  Do you have insurance that would cover or help offset some of your losses in the event of a flood? Look at your policy. Most standard homeowners and renters insurance policies specifically do not provide financial protection in the event of a flood.. Do you have insurance tha
• Mortgage Foreclosure Alternatives
  Once you contact your lender and let them know that you want to stay in your home, there are several alternatives that your lender may consider. These alternatives are also called a “mortgage workout.. Once you contact your lender and let them know that you want to stay in your home, there are several
• Apply for Disaster Assistance
• Insurance
  Health Insurance While the exact type of health insurance varies across federal, state and local governments, every public employer offers health insurance coverage and benefits to full-time workers and often to part-time workers as well. The Federal Employees Health Benefits Program (FEHB) offers h
• Levels of Coverage Available
  With flood insurance, homeowners can insure their homes for up to 250,000 and contents (possessions inside the home) for up to 100,000. Renters can purchase flood insurance coverage for up to 100,000 for their personal possessions.. With flood insurance, homeowners can insure their
• Your New Community
  When you buy a home you’re not just buying a piece of property – you’re moving into a community with new people, stores, schools, services, traditions and more. Enjoy the process of getting to know your community and figuring out where and how you’d like to get involved.. When you buy a home you’r
• Earthquake Insurance
  If you live in an earthquake zone, where you’ve felt the tremors of small quakes, or been through a big earthquake, you know that few things can be more frightening. Earthquakes have caused damage in all 50 states and approximately 90 percent of all Americans live in seismically-active areas..
• Homeowners’ and Renter’s Insurance
  Your home and your belongings are probably your largest financial asset.  So how do you protect them? If you own a home and have a mortgage (loan that you are paying off to own the home outright) then your lender will require that you carry home insurance.. Your home and your belong
• Earthquake Insurance for California Residents
  In addition to obtaining standard earthquake insurance through private insurance companies, California residents also have the option of obtaining California Earthquake Authority (CEA) sponsored earthquake insurance. The CEA is a state-sponsored public-private partnership to provide earthquake insur
• Types of Policies
  There are several types of homeowners’ insurance. What follows is an overview of the types of policies and what conditions they insure against: Type Coverage Offered HO1 This is a very limited coverage policy that has been discontinued in most states. HO2 This is the most basic policy and offers cov
• Where to Find Work
  Depending on how long you’ve been out of the workforce you may find that things have changed significantly in your prior industry. Before you begin sending out resumes take some time to read up on the industries you’re considering re-entering.. Depending on how long you’ve been out of the workf
• Find a reputable contractor.
• 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
• Buying a Property from a Distressed Owner
  Once an owner receives a Notice of Default (NOD) the lender can begin the foreclosure process. When a borrower is late on payments but the home has not yet been foreclosed upon the lender will also list the notice of. Once an owner receives a Notice of Default (NOD) the lender can begin the f
• Finding a Foreclosed Property
  There are several ways that you can find a foreclosed property for sale in your desired area. Check for properties listed at your county courthouse (lenders post Notices of Default – NOD at the local county courthouse or other public. at you can find a foreclosed property for sale in your desired area. Check
• Claim tax benefits you may be eligible for due to the disaster.
• Buying a Property at Auction
  Once a home has been foreclosed upon the lender will put the home up for sale at public auction. That means that anyone can bid on purchasing the property. You can find a list of upcoming foreclosed property auctions in. Once a home has been foreclosed upon the lender wi
• 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
• Questions to Ask
  When considering whether to purchase earthquake insurance, consider asking an agent the following questions: If you are a California homeowner, ask if the insurance company participates in the CEA program or if the policy they offer is not affiliated with the CEA. Ask how their policy compares with
• If You Already Have Homeowners or Renters Insurance
  Over time the value of your home and personal possessions can change. If you already have homeowners or renters insurance you might want to take a few minutes to review your policy and evaluate your current coverage by answering the following questions: How much would it cost to rebuild your home to
• How Much Coverage Do You Want for Your Home?
  Let’s start at the beginning. Imagine that your home was completely destroyed.. Let’s start at the beginning. Imagine that your home was completely destroyed. What it would cost to rebuild your home entirely?  What would it cost to replace the possessions inside?  Beginning to thin
• Perils You Can Insure Your Property Against
  There are three main categories of “perils” that you will want to consider insuring your home and property against: accidents, natural disasters and theft: Accidents: Have you ever come home from a trip to find that your water pipes have frozen…and burst?  Ever had a tree limb land on your home durin
• Brokerage Accounts
  With the sale of Bear Stearns and Merrill Lynch and the bankruptcy of Lehman Brothers, many investors are concerned about the safety of the money they invested in brokerage accounts. How can you know if the money in your investment brokerage accounts is safe? First, if you had a brokerage account at
• Collectibles and Valuables Insurance
  Did you inherit family china or jewelry? Do you collect antiques or artwork? Are you a hobbyist with a valuable collection of baseball cards, dolls, stamps or books? It’s important to know that most standard homeowners’ insurance does not cover the repair, restoration or replacement costs of collect
• Buying a Computer
  You probably can’t imagine not having a computer. It’s your lifeline – your way to keep connected, keep in the loop, and keep current.. You probably can’t imagine not having a computer. It’s your lifeline – your way to keep connected, keep in the loop, and keep current. Maybe up until
• 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
• What Happens to Homeowners Holding Interest-Only Mortgages When Interest Rates Rise
  Starting in early  2001 millions of Americans took advantage of record low interest rates and bought a home. But the down side of that good news is that while interest rates were at record lows, housing prices soared to record highs.. Starting in early 2001 millions of Americans took
• Evaluating Homeowners and Renters Insurance
• Help for Homeowners Mortgage Center
  Millions of American homeowners are facing tough financial choices created by a tightening economy and rising interest rates which are sending monthly payment rates up for many adjustable-rate mortgage holders. If your or a friend or loved one is struggling to hold on to your home this section can h
• Specific Next Steps for Southern California Wildfire Victims
• What the Housing Recovery Bill Could Mean for You
  The housing recovery bill that went into effect on October 1, 2008 has the potential to help millions of American homeowners and homebuyers. There are several ways that you or a loved one may be able to qualify for financial assistance through the bill.. The housing recovery bill
• In a Tough Economy, the Federal PLUS Loan May Give Parents Extra Cash Needed for a Child's College Tuition
  If you have a son or daughter in college, the recession may have impacted your savings and investments at a time when you were depending on those resources to pay for college. With lenders tightening up requirements to qualify for personal or home equity loans you may be looking for other financial
• Buying a Real-Estate Owned (REO) Property Owned by a Lender
  In certain cases a foreclosed property may not be sold at auction. There are several reasons a foreclosed property may not be sold at auction including if the lender accepts the deed to the home “in lieu of foreclosure” from. In certain cases a foreclosed property may not be sold at auction. There ar
• Factors to Weigh When Making Your Decision to Begin Receiving Benefits
  There are two schools of thought when it comes to taking Social Security benefits – the earlier you take your benefits the longer you’ll be drawing a monthly check; however the longer you wait the more money you’ll receive in the long run. While it makes the most financial sense to wait as long as p
• 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
• Online Resources for Seniors
  There are numerous online resources for seniors and their loved ones including: . There are numerous online resources for seniors and their loved ones including: AARP Administration on Aging Aging Network Services American Associati
• 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
• 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
• Keeping Your Job in Tough Economic Times
  If you are thinking about delaying retirement because you lost savings and investments that you were counting on to help with your post-work lifestyle, your focus should be on maintaining your current job. As an older worker you are likely earning more money than other, younger employees at your wor
• Determine What Program or Degree You Would Like to Pursue
  Once you have an idea of why you would like to return to school the next step is thinking through what type of program or degree you would like to finish or pursue. Frances knew that wanted to get her MBA but perhaps you’re not certain what degree options there are.. Once you have an idea of
• What if I need help?
• What if I need help?
  Once you've collected all the necessary paperwork, you might find that you need a little help walking through the process. You have several options: Income tax softwareYou can buy software that will help you prepare and file your taxes..
• Your Home Mortgage - A Financial Tool
  As you pay off your mortgage you are building up equity, or savings, in your home. As your savings accumulate and your needs change, or outside economic factors change, you may want to make changes to your mortgage.. As you pay off your mortgage you are building up equity, or savings, in you
• 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
• 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
• Doing Your Homework
  Just as with any home purchase – and perhaps even more importantly when you’re buying a foreclosed property – you need to do your homework so that you make a well informed decision. That means that you should View the. Just as with any home purchase – and perhaps even more importantly when you
• Considering Chapter 13 Bankruptcy
• Travel Tips
  There’s no time like the holidays to visit friends and family. According to the Bureau of Transportation Statistics, about 5.. There’s no time like the holidays to visit friends and family. According to the Bureau of Transportation Statistics, about 5.8 million Americans make
• Considering Chapter 13 Bankruptcy
  Filing for Chapter 13 personal bankruptcy is called “debt reorganization. Under Chapter 13 you will be required to pay back a portion of your debt according to your ability to pay over a 3-5 year monthly payment plan.. Filing for Chapter 13 personal bankruptcy is called “debt reorganization. U
• 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
• Personal Insurance Options for the Self-Employed
  Increasingly Americans are viewing self-employment as a work solution to meet their financial needs, their family life needs or both. However one of the most commonly cited concerns about self-employment is insurance.. Increasingly Americans are viewing self-employment as a work solution to me
• Open Enrollment
  Tara and Erik are a two-income family. Tara works as a paralegal and Erik works as a family counselor at a nonprofit for troubled youth.. Tara and Erik are a two-income family. Tara works as a paralegal and Erik works as a family counselor at a nonprofit for troubled youth. They have a t
• Buying a Foreclosed Property from the Government
  When homeowners default on their Federal Housing Administration (FHA) or Veterans’ Administration (VA) mortgage loans the federal government repays the lender for the unpaid balance on the mortgage, assumes the title, and then seeks to resell the property. Several government.
• Buying a Foreclosed Property
  In a difficult economy – when people are losing jobs and losing income – an increased number of homeowners have difficulty making their mortgage payments. If they can’t work something out with their lender to get current on their mortgage,. In a difficult economy – when people are losing jo
• Reverse Mortgages
  If you are 62 or older and own your home you have access to a special type of financing that can help you turn your greatest asset – your home – into supplemental income, enabling you to meet your other financial obligations and reach important life goals. A reverse mortgage is a financial tool that
• Stretching Your Retirement Spending Dollar
  During retirement you are going to have to make your income and savings stretch further than before to reduce the risk of outliving your financial reserve. To do that you will need to start with a plan for how to strategically draw down your retirement savings and investments , and then mindfully ma
• Home-Buying 101
  Owning a home. It's the American dream.. Owning a home. It's the American dream. But maybe you feel like that's all it will ever be - a dream. The good news is that with some time, and a little work, you may very well be able to turn that dream into reality. Buying a home is not a one-time
• IOUs Issued by the State of California
  In June of 2009 California Governor Arnold Schwarzenegger announced that the state had a 26 billion deficit and, until the budgetary issues are resolved through the state legislature, it will not be able to pay all of its bills or honor all of its financial commitments. Strapped for cash, the state
• Things to Consider When Evaluating Policy Options
  Purchasing homeowners or renters insurance is a financial investment. So just like anything else that you pay money for, you’ll want to take your time to do a little research, ask the right people the right questions and feel confident in the answers before making a commitment..
• FEMA Ending Katrina Hotel Subsidy Program; Other Sources of Help Available
• Can I afford to stay in my current home?
  You can do a little math to figure out how your current monthly mortgage compares to your current income. If you're not sure what your monthly mortgage is (perhaps you're not the one who pays the bills) it's a good idea to contact the bank that holds your mortgage to find out.. You can do a little math
• 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
• Finding an Insurance Company
  It’s wise to shop for car insurance the same way you would shop to compare prices on any major purchase. Following are some suggestions for how and where you can locate a potential insurance company: A good first place to start is your state commissioner’s website to learn what type of coverage you
• Clarifying their Financial Commitments and Resources
  In stressful situations it is often difficult to think rationally, logically and methodically. Often the person you are trying to help will respond that they don’t have time to really figure things out financially, that they don’t know how or can’t or don’t want to or shouldn’t have to-for some reas
• 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
• Selling a Home
  If you are a homeowner and you're considering a move you will need to decide whether or not you want to sell your home, retain your home or keep your home and rent it to generate some income. If you choose to keep your home but not rent it out you will still need to maintain the property and possibl
• Money Market Funds
  Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market funds and money market accounts are different.. Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market
• Check Your Progress and Readjust as Necessary
  When Seth left his job at a graphic design firm to work as a freelance graphic artist he loved the flexibility that self-employment offered and the idea that he could be his own boss. He also enjoyed being able to set his own schedule and take on jobs that really interested him..
• Insurance
  Insurance is an important part of your overall financial planning. It will ensure that you can maintain your income, your assets and keep you on track with your financial plan.. Insurance is an important part of your overall financial planning. It will ensure that you can maint
• Finding an Agent and Purchasing a Policy
  If you currently hold homeowners or renters insurance and losses due to flooding are not covered, you may want to first contact your insurance agent to learn more about flood insurance and to see if he or she can sell you a flood insurance policy. You can also visit the .
• Basics of Flood Insurance
  Flood insurance is provided by the federal government through a program called the . Flood insurance is provided by the federal government through a program called the National Flood Insurance Program (NFIP) In order to obtain this federally-backed flood insur
• Ongoing Homeownership Responsibilities
  In addition to paying your mortgage there are other financially-related items to keep track of and take advantage of such as deducting the interest on your mortgage from your taxes, considering a home warranty, and keeping home records. Claiming the Mortgage Interest Deduction on Your Taxes There is
• Making it a Home
  You have finished the hunt for a new home, signed the papers and moved in. Now what?  How can you begin to really make this new place a welcome home for you and your family?  Home Safety Owning your own home means that you are now financially and legally responsible for what happens to people while th
• Trip Insurance
  Imagine that for you have been saving and planning for a special family reunion at a wonderful location but at the last minute your spouse or child becomes so ill your family cannot go. Or an approaching hurricane or forest fire forces the event to be cancelled.. Imagine that for you have
• 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
• Money Market Funds
  Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market funds and money market accounts are different.. Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market
• Choosing a Cell Phone Calling Plan
  How much do you think you will use a cell phone?  Do you want one to have just in case of emergency while you’re traveling or for your kids to be able to get in touch with you while you’re out?  Or maybe you plan to talk a lot on your cell phone – you have friends all over the country you like to keep
• Rising Prices, Fewer Financial Choices
  It's not just families that have suffered an unexpected job loss that are using credit to make ends meet. More and more American families are finding that their income doesn't go as far as before.. It's not just families that have suffered an unexpected job loss that are using credit to make ends
• Where You Can Obtain Long-Term Care Insurance
  There are a variety of places where you can obtain long-term care insurance: Through your employer. Your employer may offer long-term care insurance coverage as an optional benefit you can select (and pay for, possibly with pre-tax money from your paycheck.. There are a variety of pl
• Paying for (and Lowering) Your Car Insurance
  Once you have identified a company (or companies) that you like, and a policy that you want, you will sign a contract to purchase the insurance. To get and keep the insurance you will have to pay something called a premium.. Once you have identified a company (or companies) that you like, and a poli
• Financial Topics in Difficult Times
  When Debt Is Overwhelming You: Difficult Financial Decisions for Difficult Times Today a rapidly increasing number of people find themselves having to stretch their incomes and take on larger amounts of debt to afford everyday expenses and fixed expenses like affordable housing and health insurance.
• Mortgage Foreclosure Scams to Be on the Lookout For
  Unfortunately there are people who look to prey on people in financially vulnerable situations like those facing foreclosure. There are two main types of scams to be on the lookout for: Equity skimming.. Unfortunately there are p
• The Process of Filing for Bankruptcy: How It Happens and Who Can Help
• The Process of Filing for Bankruptcy: How It Happens and Who Can Help
  If you are seriously considering filing for bankruptcy, you should consult with an attorney who knows your state’s bankruptcy laws and has experience in handling bankruptcy filings. While you don’t need to retain a lawyer to file for bankruptcy, this is a major decision and you will probably want to
• 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
• Tips to Maintain Financial Stability
  Life changes. And you, with a fluctuating income, probably know that better than most. There are some things to keep in mind that can help you stay on track with your plan to create more personal financial stability.. Life changes. And you, with a fluctuating income, probably know that better
• Moving Forward
  After you have taken the first steps to identify the source of your financial problem(s) and your current budget the next step is taking action Talk to your creditors. If you’re behind on bills or if something has changed (i.e.. After you have taken the first steps to identify the source of your financi
• Important Considerations for Saving and Investing: In Your 30s
  While retirement may still feel like a lifetime away this decade is critical for saving and investing. You still have plenty of time to save and invest and reap the benefits of compounding interest and long-term gains.. l feel like a lifetime away this decade is critical for saving and investin
• 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
• 10 Simple Steps to Start Saving Money Now
  Develop a simple, easy to implement plan with Tomorrow's Money “Personal Savings Schedule” Click here to link directly to the site’s . Develop a simple, easy to implement plan with Tomorrow's Money “Personal Savings Schedule” Click her
• 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
• Short-Term Disability Insurance
  A temporary disability can put you out of work, and without income, for a longer time then you may have savings for. Short-term disability insurance pays a percentage of your salary if you become temporarily disabled.. A temporary disability can put you out of work, and without income, for a l
• 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
• Closing on a Loan
  Closing, sometimes called “going to settlement, on a home is like the part of the wedding ceremony where the bride and groom exchange vows. It’s where you and the seller seal the deal! Closing on a home loan is when you sign all the papers transferring ownership of the property from the seller to th
• Giving Wisely
  Every year millions of people support nonprofit organizations to care for people in their communities, strengthen causes they feel strongly about, and reach out to people affected by disasters. Giving is a noble and generous act of caring and service.. Every year millions of people support nonprofit or
• Managing Your Grocery Bill When Food Prices Rise
  Climbing grocery prices have caused millions of Americans to reconsider purchases. Unfortunately, according to the US Department of Labor, food inflation is expected to continue.. Climbing grocery prices have caused millions of Americans to reconsider purchases. Unfortunately, ac
• 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’
• Catching Up on Retirement Savings If You Start Late
  Bob’s budget was tight when he first began working but he put a little bit aside each paycheck into his employer’s 401(k) He figured it was a good way to save some money on taxes if nothing else.. en he first began working but he put a little bit aside each paycheck into his employer’s 401(k) He
• 16 Warning Signs You Could Be Heading for Financial Trouble
  We’ve all done it before – forgotten to pay a bill on time, charged more on our credit cards than we should, etc. But there are some financial “red flags” you should pay attention to realize that without a course correction, you’re headed for financial trouble.. – forgotten to pay a bill on time, charged more on
• How Unemployment Benefits are Calculated and What Happens When They Run Out
• How Unemployment Benefits are Calculated and What Happens When They Run Out
  When you lose a job you may be eligible for temporary unemployment benefits which can help you bridge the uncertain – and often financially worrisome period – between jobs. If you qualify, unemployment benefits will provide you with a percentage of your take-home pay for a specified period of time,
• 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
• 10 Smart Ways to Make a Little Extra Savings Go a Long Way
  Regardless of your age, how much or how little you already have saved, or how little you feel like you can save, it's never too late to start saving for your future Every little bit - at every stage - can add up to a significant amount.. Regardless of your age, h
• 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
• Moving Day
  The big day is almost here. Moving day.. The big day is almost here. Moving day. Before you get to enjoy the excitement of moving into your new home, you’ve got to make it through the tedium and trial of actually boxing up and moving all your possessions. Having your tools and materials rea
• Living on Less: What to Do When Your Pay is Cut
• 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
• 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
• Refinancing
  When you buy a home you obtain a mortgage, also called a purchase loan by mortgage professionals. It’s simply a loan to purchase a home.. When you buy a home you obtain a mortgage, also called a purchase loan by mortgage professionals. It’s simply a loan to purchase a home. The bank or f
• Story File
  The SIFMA Foundation for Investor Education seeks to provide you with the best information, tools and resources available to help your followers become more financially literate. We have compiled this story file based on year-round evergreen topics.. Investor Education seeks to provide you with the b