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• 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
• Avoid Senior-Targeted Work Scams
• Avoid Senior-Targeted Work Scams
  Unfortunately con artists frequently target seniors with a variety of fraudulent employment offers including popular “work-at-home” hoaxes. AARP notes that con artists employ a variety of techniques to snare unsuspecting victims.. Unfortunately con artists frequently target senior
• Places to Turn When Money is Tight
  No matter how much you work and plan and take wise financial first steps, like those outlined in the “11 Things Single Moms Must Do, there are times when financial issues can become overwhelming and money seems impossibly tight. Take heart.. No matter how much you work and plan and take wise
• How much home can I afford?
  Buying a home is typically the largest financial commitment most people make. It can also seem like one of the most confusing and overwhelming processes you've ever navigated.. Buying a home is typically the largest financial commitment most people make. It can also seem like one of the most confusing
• Benefits
  Self-employed people have to provide their own benefits, including health insurance and retirement plans that may once have been provided by employers. If you have other employees, you may need to offer benefit plans to them as well.. Self-employed people have to provide their own ben
• Benefits
  Self-employed people have to provide their own benefits, including health insurance and retirement plans that may once have been provided by employers. If you have other employees, you may need to offer benefit plans to them as well.. Self-employed people have to provide their own ben
• My Budget Summary
  Congratulations! Creating a budget takes time, patience, and, admittedly, a little bit of courage. By taking this first step you’ve empowered yourself.. Congratulations! Creating a budget takes time, patience, and, admittedly, a little bit of courage. By taking this first step you’ve empowered yourself
• When There is a Gap Between Income and Expense
  That’s another way of saying that you’re spending more than you’re earning! Instead of feeling automatically overwhelmed or fearful, consider it just as a piece of information that can help you determine what you’re fearful of or concerned about. Even though the thought of having more debt/expenses
• Changing Your Thinking about Credit for Everyday Expenses
  If you are bridging financial gaps by using credit as a supplemental source of income it's important to remember that unlike income, credit is not simply an always-available source of free cash but rather a loan. Every time you use credit you are, in essence, taking on a loan and you will be require
• Scams to Avoid
  SIX-FIGURE INCOME WORKING PART TIME AT HOME! NO EXPERIENCE REQUIRED. Sound too good to be true? It probably is.. SIX-FIGURE INCOME WORKING PART TIME AT HOME! NO EXPERIENCE REQUIRED. Sound too good to be true?  It probably is. There are unfortunately too many operators who exploit vulnerab
• Tax Changes that Could Affect Your 2008 Tax Bill
  There are a few new changes to the tax law that could affect your 2008 federal income tax bill. These changes are important to know about especially if you’re preparing your own taxes.. es to the tax law that could affect your 2008 federal income tax bill. These changes are important to know about especially i
• First Steps
  Once you have made the choice to take back control of your financial life there are some immediate first steps you can take to feel empowered and make a significant, positive difference Get rid of the guilt. Feeling guilty or. Once you have made the choice to take back control of your financial life t
• I could never be an investor.
  FALSE.   You already are an investor even if you do not yet own a single . FALSE. You already are an investor even if you do not yet own a single stock , bond or mutual fund . If you’ve ever spent time on raising kids, learning to cook, or improving
• I could never be an investor.
• Compound Interest Calculator
  If you want to know how much an investment will grow over a set period of time, use our compound interest calculator. Compounding is when the interest you earn on the money you invest begins to earn interest.. If you want to know how much an investment will grow over a set period of t
• 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
• It takes a lot of money to be an investor
• It takes a lot of money to be an investor
  FALSE. You have probably heard that it takes money to make money, and that’s true to a degree, but it does not take a lot.. FALSE. You have probably heard that it takes money to make money, and that’s true to a degree, but it does not take a lot. If your employer offers a r
• Creating Financial Stability and Structure Without A Steady Paycheck
  As you begin to take charge of your finances, you may find that you need some professional help. For more information on available services, and how to work with financial professionals, . As you begin to take charge of your finances, you may find that you need some professional help. For
• Self-Sufficient Housing Options
• Self-Sufficient Housing Options
  Self-sufficiency means that you are able to live on your own without regular, outside assistance from family members, friends or paid professionals. If you are physically, mentally and financially able to live on your own, there are two broad categories of housing you may want to consider looking in
• 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.
• FEMA Ending Katrina Hotel Subsidy Program; Other Sources of Help Available
• Securities
  Securities come in two basic forms: debt and .
• Considering the Tax Implications
• Considering the Tax Implications
  If you have already begun tapping into retirement benefits (i.e.. If you have already begun tapping into retirement benefits (i.e. pension, 401(k) IRA, Social Security, etc. your new job could affect how much you pay in overall taxes. For example: Traditional IRAs and 401(k) retirement savi
• Assisted Living Facilities
  Assisted living facilities may be an ideal alternative if you would prefer some assistance with daily activities and the companionship of other residents. Assisted living facilities are not intended for people with significant medical needs or disabilities - conditions that would be better cared for
• Dealing with a Dependence on Credit when Life Changes
  While using a credit card can be more convenient than writing a check or taking time to stop at an ATM to get cash, using credit as a supplemental source of cash can become an expensive habit which can create an even tighter squeeze on an individual or family budget if life circumstances-or larger e
• Compounding
• Compounding
  Compounding: the effect achieved by reinvesting investment income or capital gains , rather than spending the money. Your investment returns are added to your original investment, the new larger amount starts earning money, and the dollars start to snowball.Summary
• Setting Goals
  List your goals and then decide how long a period you have before you want to achieve the financial ability to meet this goal. For example, if you want to buy a home and you want to invest your savings to create a significant down payment amount, when would you want to become a homeowner?  If you wan
• Setting Goals
• Tax Changes that Could Affect Your 2008 Federal Income Tax Bill
  There are a few new changes to the tax law that could affect your 2008 federal income tax bill. These changes are important to know about especially if you’re preparing your own taxes.. There are a few new changes to the tax law that could affect your 2008 federal income tax bill. Thes
• Set a Course for Where You Want to Go
  Once you have evaluated where you are financially – what income, savings, expenses and debt you have – you are now able to begin setting a course for where you want to go financially in the future, and take steps in that direction. Following are a few tips for thinking about your financial goals: Ac
• Repair or Establish your Credit Record
  Divorce can be financially devastating. It often means having to meet regular expenses on half, or less than half, the income prior to the divorce, on top of new, extraordinary expenses related to the divorce such as lawyer’s fees and court costs.. Divorce can be financially devastating. It often m
• 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
• Motor Home or Recreational Vehicle (RV) Insurance
  Motor homes and RVs are larger, more difficult to maneuver and require different insurance than standard auto insurance that you can carry for a car. When looking into purchasing motor home or RV insurance, or comparing potential policies, look at the policy and/or ask an agent: What types of motor homes or RVs.
• Community, Junior or Vocational Colleges
  Community, junior and vocational colleges typically offer Certificate programs and two-year Associates degrees and perhaps four-year Bachelor’s degrees as well. Some students choose to begin working toward a two-year Associates degree with the goal of transferring credits to a four-year Bachelors’ d
• Starting Your Own Business – Thinking Like an Entrepreneur
  Have you always dreamed of being your own boss?  Have you hit the ceiling of opportunity at your current company?  Are you between jobs, or concerned about how long your current employment may last and feeling as if you’d rather depend on yourself than yet another employer? Whatever the case, lots of
• Consolidating Student Loans
  Consolidating student loans is a process whereby you combine two or more of your student loans into one new loan. While not all student loans may be eligible for consolidation, consolidation may offer several advantages such as streamlining your bill paying and possibly reducing your interest rate a
• Using Credit Cards to Make Ends Meet: The Risks of Viewing and Using Credit as an Essential Supplement to Income
  The average American has eight credit cards and as the price for daily essentials continues to climb, we are using credit not just for discretionary purchases (think movie tickets and dinner out) but for necessary living expenses (think gas and groceries) Since Americans have greater access to credi
• Credit from Local Stores
  You may want to consider using programs offered by smaller and/or local stores that allow you to make a purchase and pay the bill off in monthly installments over a set period of time. By using it responsibly (paying your bills on time and in full) you are building a strong credit history that will
• 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
• Scams to Avoid
  SIX-FIGURE INCOME WORKING PART TIME AT HOME! NO EXPERIENCE REQUIRED. Sound too good to be true? It probably is.. SIX-FIGURE INCOME WORKING PART TIME AT HOME! NO EXPERIENCE REQUIRED. Sound too good to be true?  It probably is. There are unfortunately too many operators who exploit vulnerab
• Working with Your Doctor’s Office Manager and Billing Department
  All doctor’s offices have some type of office manager and/or billing department that handles the financial aspects of their practice. When you first choose and visit a doctor you will have to fill out several forms to give their office personal contact, health and financial information including if
• 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
• When Your Parents’ Retirement Plans Change
  What do you do when you parents’ retirement plans change? When their finances, benefits and insurance no longer enable them to maintain the lifestyle they envisioned in their older years or to meet their current financial and personal needs? . arents’ retirement plans change? When their finances, benefits and insuranc
• Income
  Before remarrying, both of you were, most likely, responsible for earning an income and supporting your family-even if you were (also) receiving alimony, child support or help from other family members. When you remarry you will need to consider how you want to view your blended family’s income – ar
• Adapting to Long-Term Temporary or Independent Contract Work
  Since the recession of 2008 employers have been slow to re-hire people for positions that they cut. If you lost your job, you may have started working with a temporary staffing firm or working as an independent contractor, or freelancer, to help make ends meet.. 08 employers have been slow to re-hire people for
• Overcoming Obstacle Number Two: Finding Money
  Unlike students who have not entered the workforce, adult students are often unsure about how – or if – they can afford to leave full-time work with its wage/salary, benefits (including insurance, paid vacation, etc. and career advancement possibilities.. Unlike students who have
• 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
• 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
• 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
• Tax Changes that Could Affect Your 2009 Tax Bill
  Changes to the tax law in 2009 could affect your federal income tax bill. It’s important to know what tax law changes could affect you personally and how those changes could trigger either an increase or decrease in the amount of money you owe – or the amount of money you could be refunded by – the
• 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
• Buying Green When it Comes to Groceries
  One of the hallmarks of the “green movement” is buying food that is either more locally grown (to reduce the cost and environmental impact of shipping food) and/or buying organic. By buying locally-grown food you are reducing the transportation cost (and environmental impact of that transportation)
• Avoiding Additional Debt
  It’s important to encourage the person you are trying to help to avoid taking on debt or increasing existing debt if at all possible during this time. While it may not be possible to avoid borrowing some money during this crunch urge them to: try to only use cash when shopping keep a record of charg
• Asset Allocation
• Asset Allocation
  Asset allocation is the foundation of most investment plans. It tells you how much of your money you want to have invested in different kinds of investments or assets (sometimes called “asset classes”stocks, bonds, cash [click through to definitions in step two] are the main ones—based on how much t
• How do I know if I’m getting the best service from an advisor that I’m already working with?
• How do I know if I’m getting the best service from an advisor that I’m already working with?
  If you've already begun working with a broker or financial advisor, it's a good idea to periodically evaluate what type of advice and service you're getting and if it's helping you achieve your financial goals. Here are a few questions to ask: Has he/she helped you determine how much risk you feel c
• 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
• What the New Healthcare Law May Mean for You
  With the passage of the healthcare reform law affecting the U.S. Puerto Rico and other U.S. territories, a lot of things about your health insurance may be changing over the next several months and years. What could it mean for you, your spouse and family? . With the passage of the h
• Adapting to an Unplanned Retirement
  Most of us have a vague idea of how our work life will progress – we’ll spend a few years deciding what we really want to do, get established in our careers, move companies or organizations a few times, progress up the pay scale and then - at a point of our choosing in our sixties or seventies - we
• 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
• Improve Your Finances with a Little Math
  Math. Whether you were good at math in school or not, you can make math work for you…and not necessarily the way you think when it comes to money.. Math. Whether you were good at math in school or not, you can make math work for you…and not necessarily the way you think when it comes to money. The
• Rethinking How You Plan, Save and Invest for Retirement
  You commit yourself to saving for retirement. You take steps to understand how long your financial resources must last in retirement years so you don’t outlive your savings; you test guideline amounts needed to retire using an online calculator; you start contributing to 401(k) or IRA or SEP or othe
• 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
• 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
• Ways to Avoid Becoming a Victim of Elder Financial Abuse
  What is elder financial abuse? Simply put, it’s a crime. It is when someone – an individual, company or organization – wrongfully takes a senior citizen’s money, property or other financial resources.. What is elder financial abuse?  Simply put, it’s a crime. It is when someone
• Ways to Avoid Becoming a Victim of Elder Financial Abuse
• 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
• 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
• 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
• A Basic Computer System Overview
  If you have never purchased a computer before, the jargon can get confusing and the choices can get overwhelming. Most computer systems that you will probably consider will include basic hardware, an operating system, and software.. If you have never purchased a computer before, the
• 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
• 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