This document provides a list of online resources for financial education, including websites, calculators, and videos. It covers 10 topics: banking, college financial planning, credit/debt, general financial planning, identity theft, income taxes, insurance, investing, retirement planning, and saving. For each topic, several relevant websites and resources are described briefly. The document aims to provide government agencies, non-profits, and educational institution resources to help with financial literacy.
This document provides information on various funding resources for alternative education, including federal programs like the GI Bill and scholarships specific to different military branches. It lists programs from the Department of Education, as well as private organizations that offer scholarships. Alternative sources of aid discussed include tuition payment plans, private student loans, and tuition installment plans.
This fact sheet, a companion to our Financial Empowerment Resource Sheet for the general public,
provides information and resources to help military service members and veterans during difficult times. It details government and non-profit resources and programs that you might qualify for to help make ends meet. Where noted, refer to the companion Financial Empowerment Resource Sheet for additional information about important programs and resources that might be useful to you but are available to the public.
Military OneSource provides a comprehensive list of funding resources for alternative education, including federal programs, branch-specific programs, and other sources. The document outlines numerous websites that provide information on scholarships, grants, loans and other financial aid for military service members, veterans and their families. It also lists several books on the topic of finding and applying for scholarships and financial aid to fund education costs.
The document provides a summary of various events, programs, and resources for military families from the past week. Key points include:
- A webinar on December 13th to explain the TRICARE health care program and answer questions.
- The launch of a new online application for the DoDEA Educator Career Program with a deadline of January 18, 2011.
- A DoD Dependents school robotics team from Italy will compete in a robotics championship in Maryland on December 11th.
- Reminders and tips for sending care packages to deployed troops during the holidays.
This document discusses options for paying for post-secondary education. It provides an overview of college costs, which have been rising significantly. It then discusses various savings vehicles for college including 529 plans, Coverdell ESAs, UGMAs, savings bonds, and taxable accounts. The benefits and features of 529 plans are outlined in detail. The document also discusses federal and private student loans as well as tax benefits for education. Overall, the document aims to educate about financing options for college or vocational programs.
One Stop: Tuition, Billing, Financial Aid, RegistrationMark Pontious
The document provides information about the services offered by Miami University's One Stop office, which handles billing and payments, financial assistance, registration, academic records, and more. It details how students can view account information, make payments, set up payment plans, finalize financial aid, and get additional financing options. Important policies regarding enrollment status, changes to enrollment, and satisfactory academic progress are also summarized.
A class action lawsuit has been filed against DeVry Inc. alleging that the company misled investors about its recruiting and financial aid practices. Specifically, the complaint alleges that DeVry failed to disclose that it engaged in deceptive recruiting practices and provided improper financial aid in order to increase enrollment and revenues. It is further alleged that DeVry will no longer be able to continue these practices due to increased government scrutiny of for-profit education companies. The lawsuit seeks damages for losses suffered by shareholders from 2007 to 2010.
This document summarizes a presentation on managing international students' expectations and preparation. It includes three main sections:
1. Cheryl DarrupBoychuck provides an overview of trends in international enrollment management and operates multiple domains promoting US campuses.
2. Matthew Beatty discusses customizing recruitment materials to accurately manage student expectations and addresses challenges in international communication. He gives Indiana University as an example that provides information on costs and career services.
3. Pamela Barrett recommends using student satisfaction data to improve communication with prospective international students and understanding their decision making process and factors influencing different markets.
This document provides information on various funding resources for alternative education, including federal programs like the GI Bill and scholarships specific to different military branches. It lists programs from the Department of Education, as well as private organizations that offer scholarships. Alternative sources of aid discussed include tuition payment plans, private student loans, and tuition installment plans.
This fact sheet, a companion to our Financial Empowerment Resource Sheet for the general public,
provides information and resources to help military service members and veterans during difficult times. It details government and non-profit resources and programs that you might qualify for to help make ends meet. Where noted, refer to the companion Financial Empowerment Resource Sheet for additional information about important programs and resources that might be useful to you but are available to the public.
Military OneSource provides a comprehensive list of funding resources for alternative education, including federal programs, branch-specific programs, and other sources. The document outlines numerous websites that provide information on scholarships, grants, loans and other financial aid for military service members, veterans and their families. It also lists several books on the topic of finding and applying for scholarships and financial aid to fund education costs.
The document provides a summary of various events, programs, and resources for military families from the past week. Key points include:
- A webinar on December 13th to explain the TRICARE health care program and answer questions.
- The launch of a new online application for the DoDEA Educator Career Program with a deadline of January 18, 2011.
- A DoD Dependents school robotics team from Italy will compete in a robotics championship in Maryland on December 11th.
- Reminders and tips for sending care packages to deployed troops during the holidays.
This document discusses options for paying for post-secondary education. It provides an overview of college costs, which have been rising significantly. It then discusses various savings vehicles for college including 529 plans, Coverdell ESAs, UGMAs, savings bonds, and taxable accounts. The benefits and features of 529 plans are outlined in detail. The document also discusses federal and private student loans as well as tax benefits for education. Overall, the document aims to educate about financing options for college or vocational programs.
One Stop: Tuition, Billing, Financial Aid, RegistrationMark Pontious
The document provides information about the services offered by Miami University's One Stop office, which handles billing and payments, financial assistance, registration, academic records, and more. It details how students can view account information, make payments, set up payment plans, finalize financial aid, and get additional financing options. Important policies regarding enrollment status, changes to enrollment, and satisfactory academic progress are also summarized.
A class action lawsuit has been filed against DeVry Inc. alleging that the company misled investors about its recruiting and financial aid practices. Specifically, the complaint alleges that DeVry failed to disclose that it engaged in deceptive recruiting practices and provided improper financial aid in order to increase enrollment and revenues. It is further alleged that DeVry will no longer be able to continue these practices due to increased government scrutiny of for-profit education companies. The lawsuit seeks damages for losses suffered by shareholders from 2007 to 2010.
This document summarizes a presentation on managing international students' expectations and preparation. It includes three main sections:
1. Cheryl DarrupBoychuck provides an overview of trends in international enrollment management and operates multiple domains promoting US campuses.
2. Matthew Beatty discusses customizing recruitment materials to accurately manage student expectations and addresses challenges in international communication. He gives Indiana University as an example that provides information on costs and career services.
3. Pamela Barrett recommends using student satisfaction data to improve communication with prospective international students and understanding their decision making process and factors influencing different markets.
This document discusses strategies for international student recruitment and how USjournal can help maximize returns on recruitment travel. It promotes USjournal's services for international student recruitment including their inquiry form, social media channels, mobile-friendly design, and verification of student funds through their FundsV initiative. It provides details on upcoming events and encourages prospective and current advertisers to connect with USjournal regarding overseas travel, promotions, and attending information sessions.
This document provides a bibliography of resources for understanding student loans and the financial aid process. It lists over 30 websites and documents that provide information on completing the FAFSA, understanding types of loans, calculating loan payments, getting help from financial aid administrators, and avoiding scams. Key resources highlighted include websites that help with FAFSA completion, calculate estimated loan payments, provide guidance on private and federal loans, explain income-based repayment, and identify scholarship scams.
The Donald W. Reynolds National Center for Business Journalism presents "Investigating the Business of College Athletics" at Indiana University Purdue University-Indianapolis. For more information, please visit http://businessjournalism.org.
This presentation tackles the exciting subject of reciprocity.
What do I mean when I say “Reciprocity”? Today I am specifically discussing how states address boater education requirements for people visiting their state and recreating on their waters.
Campus Consortium Webinar Featuring $150,000 Grant Award Winner Ana G. Mendez...Campus Consortium
The webinar presentation summarized Campus Consortium's grant programs that provide funding for technology solutions. It featured Ana G Mendez University System as a grant award winner. AGMUS received a $150,000 grant to implement a portal, mobile, and single sign-on solution from Unifyed and QuickLaunch to address challenges of multiple usernames/passwords and a lack of integration across systems. The presentation also provided details on the Web and Mobile Campus, Single Sign-On and Identity, and Studio for Students grants that institutions can apply for.
The document summarizes key portions of a newsletter from UW System Student Representatives regarding the impact of changes to Wisconsin state statute on student governance rights. It notes that students retained their rights to allocate student segregated fees but that the governor did not completely veto all changes, and discusses campus highlights and Senator Baldwin's proposal to make community college free.
The document provides information about No Child Left Behind (NCLB) including key aspects such as annual testing requirements, accountability measures, school choice options, and funding. It outlines the specific tests used in Illinois to determine if schools meet annual yearly progress goals. It also provides resources on testing schedules, special education alignment, teacher qualification requirements, and how to determine if a school is making adequate progress. The document aims to help parents and the community understand NCLB and their local school's obligations and performance under the law.
The document summarizes key aspects of the No Child Left Behind Act (NCLB) including annual student testing requirements, accountability measures for schools, funding provisions, teacher qualifications, and resources for parents. It outlines the specific tests used in Illinois to measure student performance and school progress annually. It also reviews consequences for schools not meeting achievement targets, parental choice options, and how the act aligns with special education law.
Last week, when I AM NOT A LOAN raised our concerns about UVa's decision to eliminate the no-loan provision from AccessUVa, we received a lengthy response from President Sullivan. We know others may have received the same response, so we wanted to share our thoughts in the accompanying slide show. It's disappointing that the University is more concerned with justifying its actions than admitting it made a mistake and fixing it.
This document lists several online resources for parents, schools, and students to help address issues related to the online world such as cyberbullying and online safety. It provides links to websites run by the New South Wales Department of Education, Headspace, Stop Cyberbullying, Teen Angels, and the Cybersmart website which all contain information on dealing with the less positive aspects of being online.
Student faculty report on the athletic budget rev 4 22_16stevendkrause
1) Athletic spending at EMU has increased 65% over the past decade to over $33 million annually, while revenues have declined. This has led to growing athletic budget deficits, now over $27 million.
2) EMU subsidizes 80% of its athletic budget, spending $1,227 per student annually on athletics. Students graduate with an average $3,668 added cost for athletics.
3) The report recommends aligning athletic spending with academic priorities by reducing subsidies to the conference average of 69% or considering a move to the Horizon League, which does not require football and would save millions annually.
Hands on fafsa training for guidance counselorsideastream
This document provides information about completing the Free Application for Federal Student Aid (FAFSA). It discusses the role of guidance counselors, the financial aid process, how to complete the FAFSA online or with paper forms, tips to avoid common errors, options for getting help, and resources for students. The presentation aims to help guidance counselors assist students in navigating the financial aid process and completing the FAFSA correctly.
The One Stop provides front facing customer service for students regarding billing, financial assistance, registration, and military family support. It is located in the Campus Avenue Building and offers these services in-person, by phone, or email. Students can grant access to personal records like billing and grades to others like parents through FERPA. The One Stop notifies students by email when bills are available and of additional fees. It offers payment plan options and students can use financial aid, 529 plans, loans, and more to pay their bills.
Training presentation updated 7.13.11, part 3MCCCPV
The document outlines various options for funding a college education, including family savings, scholarships, grants, work-study programs, loans, and paying as you go while enrolled. It emphasizes applying for financial aid through the Free Application for Federal Student Aid (FAFSA) to be eligible for federal and state grants, loans, and work-study. Federal loans tend to offer lower interest rates than private loans but should be pursued after exhausting grant and scholarship options. Private loans should be a last resort.
This document discusses financial literacy and student loan debt in the United States. It begins by introducing the complex issue of rising student loan debt levels and examines how financial literacy relates to borrowing behaviors and financial well-being. It then defines various federal loans and grants available to students. Statistics show most students rely on loans, especially unsubsidized loans, to finance their education. Dependent students have lower unsubsidized loan limits than independent students. The document examines the role different institution types play in students' financial literacy and borrowing.
This document summarizes a webinar on technology and parenting presented by Bari Sobelson and Kacy Mixon. During the webinar, they discussed both the benefits and drawbacks of technology for children and families. On the benefits side, they mentioned educational tools, communication, information sharing, entertainment and accessibility such as telemedicine. Some potential drawbacks discussed included missing personal connections, disconnection from the physical world, delayed development, predators, cyberbullying, aggression/addictions, obesity, and sleep deprivation. The presenters provided resources for digital citizenship and guidelines around technology use based on a child's age. They encouraged vigilance as the only protection from online predators and discussed what parents can do to educate
SVAG - Testimony for HR 3483 "The Veterans Education Equity Act of 2011"jasonthigpen
In a sense, our active-service members and current student Veterans whom, by-in-large, had no
idea their State of residency for tuition purposes would invariably be the determining factor as to
whether they could afford, much less, attain the educational benefits promised to them - for the
sacrifices they made to protect our nation.
Unlike any other generation, Millennials are faced with a different economic reality. As in previous generations, college graduates will aspire to status of home owner. What they can buy, when they can buy, who they can buy from and how much they will pay to reach this milestone will be considered in light of their debt load and that of other debt-ridden graduates. This will impact the home buying industry for future generations. Until the level of student loan debt decreases, the cost of homeownership will remain high.
“In the next five years, the mortgage industry will see a slow but continual easing of credit standards. In hopes of generating higher demand, lenders will reset certain risk tolerances re-introducing non-prime products,” said John Dyer, Lending Practice lead for Carlisle & Gallagher Consulting Group (www.carlisleandgallagher.com). “The student lending market will undergo a dramatic structural re-engineering for federal loans; especially in the areas of payment terms, default services and consumer protections.”
This document provides a list of websites and online resources for a student to use to research and revise a decision making paper on topics related to economic development, population issues, immigration, and aging societies. It includes links to online dictionaries, indexes on human development, websites discussing problems of youthful and overpopulated societies, information on the European Union and individual countries, views of Polish immigration to the UK, and details on aging populations and pensions in the UK.
Campus Consortium Webinar: Featuring $60,000 Grant Award Winner IIIinois CollegeCampus Consortium
Illinois College was awarded a $60,000 grant from Campus Consortium to implement a single sign-on platform. The grant covered the license, setup, and implementation costs for the single sign-on solution. Previously, users had to log into multiple applications with different usernames and passwords, but the new single sign-on platform allows users to access all applications with one login.
This document provides a list of retirement planning resources including websites, articles, calculators and videos. Websites provide information on topics like saving for retirement, IRAs, pensions, Social Security and retirement living in different states. Articles explain delaying retirement and living retirement dreams early. Calculators assess retirement preparation and estimate benefits. Videos describe the financial planning process.
This document provides resources for learning about the Affordable Care Act (ACA) including websites, guides, calculators, videos and webinars. It lists consumer-oriented resources such as HealthCare.gov and Find Insurance Options to help users understand their options and find suitable health insurance plans. Resources for small businesses are also included to help employers understand and comply with the ACA mandate and penalties. The document was compiled by Rutgers Cooperative Extension and provides over a dozen different resources for consumers and small businesses to better understand the Affordable Care Act.
This document discusses strategies for international student recruitment and how USjournal can help maximize returns on recruitment travel. It promotes USjournal's services for international student recruitment including their inquiry form, social media channels, mobile-friendly design, and verification of student funds through their FundsV initiative. It provides details on upcoming events and encourages prospective and current advertisers to connect with USjournal regarding overseas travel, promotions, and attending information sessions.
This document provides a bibliography of resources for understanding student loans and the financial aid process. It lists over 30 websites and documents that provide information on completing the FAFSA, understanding types of loans, calculating loan payments, getting help from financial aid administrators, and avoiding scams. Key resources highlighted include websites that help with FAFSA completion, calculate estimated loan payments, provide guidance on private and federal loans, explain income-based repayment, and identify scholarship scams.
The Donald W. Reynolds National Center for Business Journalism presents "Investigating the Business of College Athletics" at Indiana University Purdue University-Indianapolis. For more information, please visit http://businessjournalism.org.
This presentation tackles the exciting subject of reciprocity.
What do I mean when I say “Reciprocity”? Today I am specifically discussing how states address boater education requirements for people visiting their state and recreating on their waters.
Campus Consortium Webinar Featuring $150,000 Grant Award Winner Ana G. Mendez...Campus Consortium
The webinar presentation summarized Campus Consortium's grant programs that provide funding for technology solutions. It featured Ana G Mendez University System as a grant award winner. AGMUS received a $150,000 grant to implement a portal, mobile, and single sign-on solution from Unifyed and QuickLaunch to address challenges of multiple usernames/passwords and a lack of integration across systems. The presentation also provided details on the Web and Mobile Campus, Single Sign-On and Identity, and Studio for Students grants that institutions can apply for.
The document summarizes key portions of a newsletter from UW System Student Representatives regarding the impact of changes to Wisconsin state statute on student governance rights. It notes that students retained their rights to allocate student segregated fees but that the governor did not completely veto all changes, and discusses campus highlights and Senator Baldwin's proposal to make community college free.
The document provides information about No Child Left Behind (NCLB) including key aspects such as annual testing requirements, accountability measures, school choice options, and funding. It outlines the specific tests used in Illinois to determine if schools meet annual yearly progress goals. It also provides resources on testing schedules, special education alignment, teacher qualification requirements, and how to determine if a school is making adequate progress. The document aims to help parents and the community understand NCLB and their local school's obligations and performance under the law.
The document summarizes key aspects of the No Child Left Behind Act (NCLB) including annual student testing requirements, accountability measures for schools, funding provisions, teacher qualifications, and resources for parents. It outlines the specific tests used in Illinois to measure student performance and school progress annually. It also reviews consequences for schools not meeting achievement targets, parental choice options, and how the act aligns with special education law.
Last week, when I AM NOT A LOAN raised our concerns about UVa's decision to eliminate the no-loan provision from AccessUVa, we received a lengthy response from President Sullivan. We know others may have received the same response, so we wanted to share our thoughts in the accompanying slide show. It's disappointing that the University is more concerned with justifying its actions than admitting it made a mistake and fixing it.
This document lists several online resources for parents, schools, and students to help address issues related to the online world such as cyberbullying and online safety. It provides links to websites run by the New South Wales Department of Education, Headspace, Stop Cyberbullying, Teen Angels, and the Cybersmart website which all contain information on dealing with the less positive aspects of being online.
Student faculty report on the athletic budget rev 4 22_16stevendkrause
1) Athletic spending at EMU has increased 65% over the past decade to over $33 million annually, while revenues have declined. This has led to growing athletic budget deficits, now over $27 million.
2) EMU subsidizes 80% of its athletic budget, spending $1,227 per student annually on athletics. Students graduate with an average $3,668 added cost for athletics.
3) The report recommends aligning athletic spending with academic priorities by reducing subsidies to the conference average of 69% or considering a move to the Horizon League, which does not require football and would save millions annually.
Hands on fafsa training for guidance counselorsideastream
This document provides information about completing the Free Application for Federal Student Aid (FAFSA). It discusses the role of guidance counselors, the financial aid process, how to complete the FAFSA online or with paper forms, tips to avoid common errors, options for getting help, and resources for students. The presentation aims to help guidance counselors assist students in navigating the financial aid process and completing the FAFSA correctly.
The One Stop provides front facing customer service for students regarding billing, financial assistance, registration, and military family support. It is located in the Campus Avenue Building and offers these services in-person, by phone, or email. Students can grant access to personal records like billing and grades to others like parents through FERPA. The One Stop notifies students by email when bills are available and of additional fees. It offers payment plan options and students can use financial aid, 529 plans, loans, and more to pay their bills.
Training presentation updated 7.13.11, part 3MCCCPV
The document outlines various options for funding a college education, including family savings, scholarships, grants, work-study programs, loans, and paying as you go while enrolled. It emphasizes applying for financial aid through the Free Application for Federal Student Aid (FAFSA) to be eligible for federal and state grants, loans, and work-study. Federal loans tend to offer lower interest rates than private loans but should be pursued after exhausting grant and scholarship options. Private loans should be a last resort.
This document discusses financial literacy and student loan debt in the United States. It begins by introducing the complex issue of rising student loan debt levels and examines how financial literacy relates to borrowing behaviors and financial well-being. It then defines various federal loans and grants available to students. Statistics show most students rely on loans, especially unsubsidized loans, to finance their education. Dependent students have lower unsubsidized loan limits than independent students. The document examines the role different institution types play in students' financial literacy and borrowing.
This document summarizes a webinar on technology and parenting presented by Bari Sobelson and Kacy Mixon. During the webinar, they discussed both the benefits and drawbacks of technology for children and families. On the benefits side, they mentioned educational tools, communication, information sharing, entertainment and accessibility such as telemedicine. Some potential drawbacks discussed included missing personal connections, disconnection from the physical world, delayed development, predators, cyberbullying, aggression/addictions, obesity, and sleep deprivation. The presenters provided resources for digital citizenship and guidelines around technology use based on a child's age. They encouraged vigilance as the only protection from online predators and discussed what parents can do to educate
SVAG - Testimony for HR 3483 "The Veterans Education Equity Act of 2011"jasonthigpen
In a sense, our active-service members and current student Veterans whom, by-in-large, had no
idea their State of residency for tuition purposes would invariably be the determining factor as to
whether they could afford, much less, attain the educational benefits promised to them - for the
sacrifices they made to protect our nation.
Unlike any other generation, Millennials are faced with a different economic reality. As in previous generations, college graduates will aspire to status of home owner. What they can buy, when they can buy, who they can buy from and how much they will pay to reach this milestone will be considered in light of their debt load and that of other debt-ridden graduates. This will impact the home buying industry for future generations. Until the level of student loan debt decreases, the cost of homeownership will remain high.
“In the next five years, the mortgage industry will see a slow but continual easing of credit standards. In hopes of generating higher demand, lenders will reset certain risk tolerances re-introducing non-prime products,” said John Dyer, Lending Practice lead for Carlisle & Gallagher Consulting Group (www.carlisleandgallagher.com). “The student lending market will undergo a dramatic structural re-engineering for federal loans; especially in the areas of payment terms, default services and consumer protections.”
This document provides a list of websites and online resources for a student to use to research and revise a decision making paper on topics related to economic development, population issues, immigration, and aging societies. It includes links to online dictionaries, indexes on human development, websites discussing problems of youthful and overpopulated societies, information on the European Union and individual countries, views of Polish immigration to the UK, and details on aging populations and pensions in the UK.
Campus Consortium Webinar: Featuring $60,000 Grant Award Winner IIIinois CollegeCampus Consortium
Illinois College was awarded a $60,000 grant from Campus Consortium to implement a single sign-on platform. The grant covered the license, setup, and implementation costs for the single sign-on solution. Previously, users had to log into multiple applications with different usernames and passwords, but the new single sign-on platform allows users to access all applications with one login.
This document provides a list of retirement planning resources including websites, articles, calculators and videos. Websites provide information on topics like saving for retirement, IRAs, pensions, Social Security and retirement living in different states. Articles explain delaying retirement and living retirement dreams early. Calculators assess retirement preparation and estimate benefits. Videos describe the financial planning process.
This document provides resources for learning about the Affordable Care Act (ACA) including websites, guides, calculators, videos and webinars. It lists consumer-oriented resources such as HealthCare.gov and Find Insurance Options to help users understand their options and find suitable health insurance plans. Resources for small businesses are also included to help employers understand and comply with the ACA mandate and penalties. The document was compiled by Rutgers Cooperative Extension and provides over a dozen different resources for consumers and small businesses to better understand the Affordable Care Act.
- The document provides an overview of a workshop on finding grant funding opportunities through various websites, with the goal of teaching attendees how to aggressively locate needed grant funding and stay informed of opportunities.
- It lists numerous websites for finding federal, foundation, corporate and other types of grants. Many are free to access while some require a subscription. All provide searchable databases of funding sources.
- The document outlines the typical 12 step process for applying for and receiving private and public sector grants, from identifying potential funders to submitting applications, reviews, awards and receiving funding. Attention to guidelines and following all steps is emphasized.
The document provides summaries for 21 websites related to teaching economics standards. The websites contain resources such as flash videos, animations, interactive reviews, simulations, and databases that cover topics including economic concepts, market economies, government influence on the economy, labor markets, and aggregate economic behavior. Many of the sites are from publishers and federal organizations and allow students to learn through interactive activities and current economic data exploration.
Online Resources for Financial Education-Financial Distress-01-13Barbara O'Neill
This document provides a list of online resources to help financially distressed individuals and families, including general personal finance resources, information about jobs and unemployment assistance, public health insurance programs, food and housing assistance, debt and foreclosure counseling, legal assistance, and fraud prevention. It includes websites, videos, and descriptions of federal, state, and nonprofit organization programs and services.
Predatory Lending Practices & How to Avoid Themmilfamln
This document provides an overview of predatory lending practices and how to avoid them. It defines predatory lending as extending credit to consumers who will be unable to repay due to their current and expected income. Common predatory lending practices include high interest rates, excessive fees, aggressive sales tactics, and harsh collection practices. The document discusses specific predatory loan types like payday loans, car title loans, tax refund anticipation loans, and rent-to-own agreements. It provides alternatives to predatory loans and tips on identifying and avoiding predatory lending situations.
This document provides a summary of financial resources for higher education, including scholarships, grants, loans, and tax benefits. It lists numerous websites that provide information on scholarships for military members and their families, federal and state financial aid programs, scholarships for specific ethnic or racial minority groups, and scholarships for particular fields of study. The document also includes scholarship search engines and lists student loan programs and tax breaks available for education expenses.
This Lunch & Learn hosted by the Military Families Learning Network Personal Finance team provides a review of common money management apps that personal finance educators can use to assist clients in achieving financial readiness.
The document summarizes statistics on Americans' financial literacy and habits from a 2017 survey. It finds that many Americans lack savings and budgets. While credit card and other debt is high, spending is decreasing. Younger adults are more likely to save than older generations. The document also provides an overview of free online personal finance courses and resources that cover topics like spending, credit, income, investing, insurance, and financial decision-making. Course materials are aligned with state and national standards. Additional supplemental resources for teaching personal finance are also referenced.
The document discusses resources for financial education. It notes that many parents and young adults lack basic financial literacy. Financial education resources exist at the national, state, and local levels from groups like non-profits, government agencies, and businesses. These resources can be used by teachers and are often free. People are encouraged to partner with existing organizations providing financial education rather than creating duplicative programs. Contact information is provided for the Washington State Department of Financial Institutions to discuss financial education needs.
Stimulus Presentation for TiE AZ June 2009tiearizona
The document summarizes funding and opportunities provided by the American Recovery and Reinvestment Act of 2009 (ARRA). It outlines priorities for quick-start activities and job creation. Major areas of focus include broadband expansion, health IT, smart grids, renewable energy, and education technology. Guidance is provided on applying for relevant grants, loans, and incentives through federal agencies and state programs in Arizona.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Current Issues for Financial Practitioners 2014-2015milfamln
This document summarizes a webinar on current personal finance issues for financial practitioners in 2014. It discusses key findings from 2014 personal finance studies and government data, including rising bank fees and health care costs, low savings rates, increasing retiree debt, and growth of inexpensive financial advisors. It also outlines significant financial events in 2014 like health care reform and the launch of MyRA retirement accounts. The objectives and agenda of the webinar are provided.
The document provides instructions for creating an account and requesting writing assistance on the HelpWriting.net website. It outlines a 5-step process: 1) Create an account with an email and password. 2) Complete a 10-minute order form with instructions, sources, and deadline. 3) Review bids from writers and choose one based on qualifications. 4) Review the completed paper and authorize payment. 5) Request revisions until satisfied with the work.
Sheet1IDNameDescriptionURL1Main Page The landing page of the UNT S.docxedgar6wallace88877
Sheet1IDNameDescriptionURL1Main Page The landing page of the UNT Student Financial Aid and Scholarships page. It contains links to pages for specific audiences as well as important dates, and a scrolling news banner.https://financialaid.unt.edu/1.0.1Important Dates A list of important upcoming dates with a link to the full calendar at the bottom.1.0.2Top Questions from StudentsA list of frequently asked questions in the form of links to the answers.2Financial Aid The parent Financial Aid page. It contains a brief description of financial aid, as well as a link to the FAFSA page. Additionally it contains links to the child financial aid pages.../financial-aid2.1How To Apply A landing page for different demographics for students, including links to child pages for the most common situations, as well as short articles for "Additional Populations".../how-apply2.1.1Additional PopulationsContains brief statements containing links to more information for: emerald eagle scholars, international students, undocumented students, veteran students, and special programs and study abroad.2.1.2Incoming FreshmanContains steps for incoming freshman to apply for financial aid, with links to videos and helpful pages.../incoming-freshmen2.1.3Transfer StudentsContains steps for transfer students to apply for financial aid, with links to videos and helpful pages.../transfer-students2.1.4Continuing StudentsContains steps for continuing students to apply for financial aid, with links to videos and helpful pages.../continuing-students2.1.5Graduate StudentsContains steps for graduate students to apply for financial aid, with links to videos and helpful pages.../graduate-students2.2Types of Aid A summary of various types of financial aid their requirements and eligibility. Provides a summary of grants, loans, and work-study programs, as well as links to specifics.../types-aid2.3Maintaining Eligibility Provides a brief description of the requirements of maintaining financial aid eligibility, with links to more detailed information for each requirement.../maintaining-eligibility2.4Waivers and Exemptions A landing page describing which wavers and exemptions are processed by the Student Financial Aid and Scholarships department with links to pages with more information.../waivers-and-exemptions-financial-aid2.4.1Competitive Scholarship WaiverContains a brief summary of the competitive scholarship waiver.../competitive-scholarship-waiver2.4.2Good Neighbor ScholarshipContains a brief summary of the good neighbor scholarship.../good-neighbor-scholarship2.4.3Educational Aid ExemptionContains a brief summary of the educational aide exemption.../educational-aide-exemption2.5Avoiding Financial Aid Scams Provides detailed information about financial aid scams, with a focus on recent phishing scams and helpful links.../scams3Scholarships The parent scholarships page. It contains a brief description of scholarships. Contains links to the child scholarship pages.../scholarships3.1How.
Food & Finance - Financial Boot Camp for Women Tina Powell
Knowing your credit score is a basic part of taking charge of your finances. In this Food & Finance Boot Camp for Women we discuss the importance of knowing your credit score and how FICO considers 5 different factors to calculate your score.
This Food & Finance event was created and hosted by Tina Powell and Mark Germain, CFP®, MBA, ADPA® of Beacon Wealth Management LLC on March 18, 2014 at Le Gourmet Factory Cooking School in Englewood, New Jersey.
Learning Activities for Financial Education ProgramsBarbara O'Neill
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1. 1
Online Resources for Financial Education
Compiled by:
Dr. Barbara O’Neill, CFP®, CFCS, CPFFE, Extension Specialist in Financial Resource Management, Rutgers
Cooperative Extension, E-Mail: oneill@aesop.rutgers.edu Twitter: http://twitter.com/moneytalk1
This list includes three types of resources (Web sites, calculators, and videos) for ten personal finance topics: 1.
Banking, 2. College Financial Planning, 3. Credit and Debt, 4. General Financial Planning, 5. Identity Theft, 6. Income
Taxes, 7. Insurance, 8. Investing, 9. Retirement Planning, and 10. Saving. A brief description of each resource is
provided. Most resources cited are from government agencies, non-profit organizations, or educational institutions.
This document concludes with a list of free financial education curricula for youth and adult financial educators.
Banking
Web Sites
Comptroller of the Currency: Answers About Bank Accounts: https://www.fdic.gov/edie/index.html
This Web site provides a comprehensive overview of topics related to bank checking and savings accounts.
Consumer Financial Protection Bureau (CFPB): http://www.consumerfinance.gov/
This government Web site provides consumer information about a wide variety of topics including banking, paying for
college, mortgage payments, and consumer protection. Special target audiences for information include students, older
Americans, and service members and veterans.
Federal Deposit Insurance Corporation (FDIC): http://www.fdic.gov/
This is the Web site of the federal government agency that provides insurance for bank depositors’ accounts in the
event that a bank fails. It includes information on banking and FDIC insurance.
FDIC Electronic Deposit Insurance Estimator (EDIE): https://www.fdic.gov/edie/index.html
EDIE tells users how bank insurance rules apply to their specific group of deposit accounts. The Estimator tells users
what’s insured and what portion (if any) of their assets exceeds FDIC coverage limits.
Federal Reserve Board: http://www.federalreserve.gov/
The “Consumer Information” section contains information about banking, credit, and mortgage topics.
National Credit Union Administration (NCUA): http://www.ncua.gov
This is the Web site of the federal government agency that provides insurance for credit union depositors’ accounts in
the event that a credit union fails. It includes information on credit unions and NCUA insurance.
Calculator
Savings Calculator (Dinkytown.net): http://www.dinkytown.net/java/CompoundSavings.html
This web site features a calculator to determine estimated savings at a certain APY for a certain time period.
Videos
Check-Cashing Services: http://www.bankrate.com/finance/checking/video-check-cashing-services.aspx.
This one minute, 4 second video discusses the high cost of check-cashing services and viable alternatives.
2. 2
How to Balance Your Checkbook: http://www.ehow.com/about_4569806_checkbook-
balancing.html?ref=Track2&utm_source=ask
This 1 minute, 51 second Howcast video describes an 8-step process for balancing a checking account.
College Financial Planning
Web Sites
Bureau of Labor Statistics Wage Data: http://www.bls.gov/bls/blswage.htm
This Web site provides wage data by state and region to help students find out what their future earnings might be.
College Navigator (National Center for Education Statistics): http://nces.ed.gov/collegenavigator/
This Web site provides searchable information about specific colleges and their costs and financial aid programs.
College Savings Plans Network: http://www.collegesavings.org
This Web site provides data about 529 plans and helps users compare 529 plans by feature and by state.
Consolidation Loans (Federal Student Aid): http://www.loanconsolidation.ed.gov/
This Web site provides information about how to combine a number of existing student loans into one loan.
Coverdell Education Savings Account (ESA): http://www.irs.gov/publications/p970/ch07.html
This IRS fact sheet describes the contribution limits and tax advantages of Coverdell ESAs.
FAFSA (Free Application for Federal Student Aid) Web Site: http://www.fafsa.ed.gov/
This Web site provides information about filing the federal FAFSA form to apply for student financial aid.
Federal Student Aid (U.S. Department of Education): www.studentaid.ed.gov
This Web site provides information about types of financial aid, qualifications for aid, and the application process.
FinAid: www.finaid.org
This Web site is a comprehensive one-stop resource for information about college financial aid and savings plans.
IRS Publication 970: Tax Benefits For Education: http://www.irs.gov/publications/p970/index.html
This Web site provides the content of a comprehensive IRS publication on tax benefits related to education.
Smart Saving for College-Better Buy Degrees (FINRA):
http://www.finra.org/web/groups/investors/@inv/@smart/@college/documents/investors/p124094.pdf
This Web link goes to a 26-page publication that discusses college planning and available savings vehicles.
Saving For College: http://www.savingforcollege.com/
This Web site provides data about 529 plans and helps users compare 529 plans by feature and by state.
3. 3
The GI Bill Web Site (U.S. Department of Veterans Affairs): http://www.gibill.va.gov/
This is the official “one stop” U.S. government Web site about educational benefits for veterans.
UGMA (Uniform Gifts to Minors) and UTMA (Uniform Transfers to Minors) Custodial Accounts:
http://www.finaid.org/savings/ugma.phtml
This Web site describes the features of UGMA/UTMA accounts and their potential impact on student financial aid.
Calculators
College Savings Calculator (The College Board):
https://bigfuture.collegeboard.org/pay-for-college/paying-your-share/college-savings-calculator
This Web site contains an online calculator that asks a series of questions to determine the cost of college.
College Savings Calculator (FINRA): http://apps.finra.org/Calcs/1/CollegeSavings
This Web site contains an online calculator that asks a series of questions to determine the cost of college.
Coverdell ESA Calculator: http://www.calcxml.com/calculators/coverdell-esa
This Web site contains information about Coverdell ESAs and a calculator to determine the future value of savings
Fin Aid: http://www.finaid.org/calculators/costprojector.phtml
This Web site contains an online calculator that asks a series of questions to determine the cost of college.
Rutgers Cooperative Extension Fact Sheet: http://njaes.rutgers.edu/pubs/publication.asp?pid=FS634
This Web site contains a downloadable “paper and pencil” worksheet for users to calculate college costs.
Saving for College: http://www.savingforcollege.com/college-savings-calculator/
This Web site contains an online calculator that asks a series of questions to determine the cost of college.
Videos
About the College Savings Plans Network (CSPN): http://www.youtube.com/watch?v=baEVuFgWhak
This one minute, 41 second video discusses the mission and resources of the College Savings Plan Network.
Education Tax Credits and Deductions (IRS): http://www.youtube.com/watch?v=8w24hxuBwF0
This one minute, 20 second IRS video provides an overview of available college education tax benefits.
Five Was Ed Pays: http://www.youtube.com/watch?v=spNDLD2KRuA
This 2-minute video describes a variety of ways that post-secondary education enriches people’s lives.
4. 4
Introduction to Student Financial Aid: http://www.youtube.com/watch?v=T7GJ8RQU0_o&feature=topics
This 3-minute video describes the process of completing a FAFSA form to apply for federal student aid.
Credit and Debt
Web Sites
Annual Credit Report Web Site: https://www.annualcreditreport.com
This is the central source Web site where consumers can request a free credit report under federal law from all three
major credit reporting agencies: Experian, Equifax, and TransUnion.
Consumer Action: http://www.consumer-action.org/
This Web site contains information on a variety of credit-related topics and results of periodic surveys about different
types of credit and debit cards (e.g., secured card survey).
Federal Reserve Credit Cards Consumer’s Guide: http://www.federalreserve.gov/creditcard/default.htm
This Web site contains a number of interactive tools and features, information about how to read a credit card
statement, and information about credit card rules and regulations.
Federal Trade Commission (FTC): Credit Cards and Consumer Loans:
http://www.ftc.gov/bcp/menus/consumer/credit/loans.shtm
This Web site provides links to PDF files for fact sheets on a variety of credit and debt related topics.
MyFICO Web Site: http://www.myfico.com
This is the Web site of Fair Isaac Corporation, the provider of FICO credit scores. It includes information about how
credit scores are calculated and links for consumers to order their credit score for a fee.
National Foundation for Credit Counseling (NFCC): http://www.nfcc.org/
This Web site can help consumers locate a NFCC member agency to obtain credit counseling services.
PowerPay Web Site (Utah State University Extension): www.powerpay.org
This Web site helps users set up a calendar for accelerated debt repayment by comparing debt payoff methods.
Rutgers Cooperative Extension Wise Credit Management Quiz: http://njaes.rutgers.edu/money/wise-credit/
This is the link to a 20-question assessment tool about credit management practices. Persons who complete the quiz
receive a score, an interpretation of their score, and a list of action steps.
Reverse Mortgage Web Site: http://www.aarp.org/money/credit-loans-debt/reverse_mortgages/
This link provides users with links to almost a dozen AARP publications about reverse mortgages.
The Credit Score Quiz: http://www.creditscorequiz.org/
This Web site, developed by the Consumer Federation of America, contains a 21-question credit score quiz and
supporting resource materials about credit scores.
5. 5
VantageScore® Web Site: http://www.experian.com/consumer-products/vantage-score.html
This Web site describes the VantageScore®, a credit score developed jointly by the three major credit reporting
agencies Experian, Equifax, and TransUnion.
Whatsmyscore.org: http://whatsmyscore.org/estimator/
This Web site includes the FICO Score Estimator where users can get a rough estimate of their FICO score.
Calculators
Auto Calculators (Edmunds.com): http://www.edmunds.com/calculators/
This Web site includes six calculators to help users make car loan, lease, and trade-in decisions.
Auto Lease Calculator (Edmunds.com): http://www.edmunds.com/calculators/car-lease.html
This calculator helps users calculate the monthly payment for an auto lease.
Calculators (Bankrate.com): http://www.bankrate.com/calculators.aspx
A comprehensive “calculator Web site” with calculators for credit cards, mortgages, car loans, and other topics.
Federal Reserve Credit Card Repayment Calculator: http://www.federalreserve.gov/creditcardcalculator/
Users can input their credit card balance and APR and the calculator will tell how long it will take to pay off their debt
making only minimum payments and how to develop a plan to pay off their balance sooner.
FICO Loan Savings Calculator: http://www.myfico.com/myfico/creditcentral/loanrates.aspx
The loan calculator shows the cost of a loan (monthly payment and total cost) for people with varying credit scores.
Should I Rent or Buy a Home? (Yahoo Calculator): http://realestate.yahoo.com/calculators/rent_vs_own.html
This Web site allows users to calculate the difference between renting a property and buying a home.
Videos
Consumer Credit and Debt: Co-Signing a Loan: http://www.youtube.com/watch?v=yte4MBtoAqg
This video uses conversations among three cartoon characters to explain the pitfalls of co-signing a loan.
Types of Bankruptcy: http://www.ehow.com/video_4982843_types-bankruptcy.html#ixzz1mBiwjRnz
This video features a bankruptcy lawyer who discusses various types of personal and organizational bankruptcies.
6. 6
General Financial Planning
Web Sites
Certified Financial Planner Board of Standards (CFP Board): http://www.cfp.net/
This Web site provides information about financial planning topics and information about how to find a certified
financial planner in a particular geographic region.
eXtension Personal Finance Web Site: http://www.extension.org/personal_finance
This Web site combines the best online personal finance resources of Cooperative Extension nationwide.
Financial Literacy and Education Commission (FLEC): http://www.mymoney.gov/
This Web site is a “one-stop shop” of financial education resources from 20 federal government agencies.
Financial Planning Association (FPA): www.fpanet.org
This Web site provides information about financial planning topics and information about how to find a FPA member
financial planner in a particular geographic region.
National Association of Personal Financial Advisors (NAPFA): http://www.napfa.org/
This Web site provides information about financial planning topics and information about how to find a NAPFA
member (fee-only financial planner) in a particular geographic region.
Publications.USA.gov: www.publications.usa.gov
This Web site is a source for federal government publications on a variety of topics, including personal finance.
Rutgers Cooperative Extension Financial Fitness Quiz: http://njaes.rutgers.edu/money/ffquiz/
This is the link to a 20-question quiz that assesses users’ frequency of performing recommended financial management
practices. The quiz provides a score, an interpretation of the score, and a list of recommended action steps.
Rutgers Cooperative Extension Money and Investing Web Site: http://njaes.rutgers.edu/money/.
This Web site provides links to personal finance information available from Rutgers Cooperative Extension.
Smart About Money: http://www.smartaboutmoney.org/
This National Endowment for Financial Education Web site contains information about a variety of personal finance
topics and is organized around life events and key financial decisions.
The Wall Street Journal (Personal Finance): http://online.wsj.com/public/page/news-personal-finance.html
This Web site contains links to Wall Street Journal articles about a wide variety of personal finance topics.
USA Today Money News: http://www.usatoday.com/money/
This online version of the USA Today newspaper contains articles about business and personal finance topics.
Women’s Institute for Financial Education: http://www.wife.org/
This Web site includes feature articles on personal finance with a special emphasis on topics of interest to women.
7. 7
Identity Theft
Web Sites
Federal Trade Commission (FTC) Identity Theft Affidavit:
http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf
This is the link to the official FTC form that identity theft victims can use to report an identity theft crime to creditors,
financial institutions, and others.
Federal Trade Commission (FTC) Identity Theft Web Site: http://www.ftc.gov/bcp/edu/microsites/idtheft/
The FTC is the federal government agency with broad authority over identity theft and has an excellent Web site that is
a one-stop resource to learn about identity theft.
FINRA: http://www.finra.org/Investors/ProtectYourself/InvestorAlerts/FraudsAndScams/p010734
This Financial Industry Regulatory Authority (FINRA) fact discusses “phishing” and other online identity theft scams,
including those related to investment fraud.
National Consumers League: http://www.fraud.org/tips/internet/idtheftavoid.htm
This online fact sheet from the National Consumers League has a good summary of recommended practices to reduce
the risk of becoming an identity theft victim.
Privacy Rights Clearinghouse: http://www.privacyrights.org/
The Privacy Rights Clearinghouse is a non-profit consumer organization that raises awareness of how technology
affects privacy and has excellent resources about identity theft.
Rutgers Cooperative Extension Identity Theft Risk Assessment Quiz: http://njaes.rutgers.edu/money/identitytheft/
This is the link to a 20-question online identity theft risk self-assessment tool. Persons who complete the quiz receive a
score, an interpretation of their score, and a list of action steps.
Videos
Federal Trade Commission Video: http://www.youtube.com/watch?v=-IEBVIh7bzc
This is a one minute, 8 second video about causes of identity theft. Set to music, it shows various ways that identity
thieves steal personal information from victims.
Federal Trade Commission Video: http://www.youtube.com/watch?v=OoPJImjP1ZQ
This video is one minute, 53 seconds in length. It features dozens of short statements from identity theft victims who
describe their personal experiences.
Phishing Video: http://www.youtube.com/watch?v=K8lWLwuiDwk
This video is 2 minutes, 31 seconds long and is done in “whiteboard” presentation style. It describes what phishing is
and how to prevent it.
8. 8
Income Taxes
Web Sites
Alternative Minimum Tax (AMT) Assistant for Individuals (IRS):
http://www.irs.gov/businesses/small/article/0,,id=150703,00.html
The AMT Assistant contains a few short questions to help users determine whether or not they have to pay the AMT.
Earned Income Tax Credit (EITC) Outreach Campaign: http://eitcoutreach.org/
This Web site contains information about the EITC and links to EITC outreach campaign materials.
Earned Income Tax Credit (EITC) Assistant: http://www.irs.gov/individuals/article/0,,id=130102,00.html
The EITC Assistant contains questions to help users determine whether or not they are eligible for the EITC.
How Income Tax Audits Work (How Stuff Works): http://money.howstuffworks.com/personal-finance/personal-
income-taxes/income-tax-audits.htm
This “How Stuff Works” Web page describes what a tax audit is and how to prepare for one, if necessary.
How Long to Keep Financial Records (Bankrate): http://www.bankrate.com/finance/personal-finance/how-long-to-
keep-financial-records.aspx
This Web site has a helpful “Financial Records Timeline” chart that tells how long documents should be stored.
Internal Revenue Service (IRS): http://www.irs.gov/
This is a go-to Web site for federal income tax information, publications, forms, tools, and tax filing. An especially
helpful reference is IRS Publication 17, Your Federal Income Tax: http://www.irs.gov/publications/p17/index.html.
Paycheck City: http://www.paycheckcity.com/
The interactive calculators on this site can tell users how much income tax will be deducted from their income.
Tax Credit vs. Deduction (Kiplinger): http://www.kiplinger.com/columns/ask/archive/2007/q0319.htm
The Web page explains the difference between tax deductions and tax credits with numerical examples.
Tax Information (Rutgers Cooperative Extension): http://njaes.rutgers.edu/money/taxinfo/
This Web page lists federal marginal tax brackets by income ranges and tax filing status (e.g., single, married).
Taxes Terms (Investopedia): http://www.investopedia.com/categories/taxes.asp?page=2#axzz2BMmdXRMM
This Web site provides an easily searchable comprehensive glossary of tax terms organized in alphabetical order.
Taxpayer Advocate Service (IRS): http://www.irs.gov/uac/Taxpayer-Advocate-Service-6
This Web page contains over a dozen links about an IRS office that helps taxpayers resolve problems with the IRS.
Test Your Income Tax Knowledge: http://money.howstuffworks.com/personal-finance/personal-income-
taxes/income-tax-quiz.htm
This 20-question quiz tests users’ knowledge of income tax history and regulations.
9. 9
Understanding Taxes Curriculum (IRS): http://www.irs.gov/app/understandingTaxes/student/whys_thm04_les02.jsp
This Web site has separate portals for students and teachers who can access educational content about income taxes.
Calculators
Payroll Deductions Calculator (Dinkeytown.net): http://www.dinkytown.net/java/Payroll.html
This Web page provides a payroll deductions calculator based on variables such as anticipated itemized deductions.
Mortgage Tax Deduction Calculator (Money-Zine): http://www.money-zine.com/Calculators/Mortgage-
Calculators/Mortgage-Tax-Deduction-Calculator/
This Web site has a calculator that tells homeowners their tax deduction benefit over the life of their mortgage.
Withholding Calculator (IRS): http://www.irs.gov/Individuals/IRS-Withholding-Calculator
This calculator helps employees determine whether they have too much or too little tax withheld from their pay.
Videos
Common Income Tax Deductions (TurboTax):
http://www.youtube.com/watch?v=wf9tnErWNZs&playnext=1&list=PL6523916D525C4366&feature=results_main
This one-minute, 48 second video explains the difference between the standard deduction and itemized deductions and
common types of itemized deductions.
“Dirty Dozen” Tax Scams for 2012: http://www.youtube.com/watch?v=4Q85-NghrsY
This two minute, 30 second video describes how tax identity theft occurs and other common tax scams.
Earned Income Tax Credit and Volunteer Income Tax Assistance (VITA) Program:
www.youtube.com/watch?v=1lD5nETWcGI
This three minute, 35 second video explains these two valuable resources for low- and moderate-income families.
Haven’t Filed a Tax Return in Years? (IRS): http://www.youtube.com/watch?v=Sz4AJBWE_Ac
This one minute video explains what people should do if they haven’t filed past tax returns and should have.
Tax Deduction Tips and Advice: How to Take Federal Income Tax Deductions:
http://www.youtube.com/watch?v=DFkRlT6wEV8
This video describes IRS Schedule A and available federal income tax deductions.
The Appeals Examination Process (IRS): http://www.youtube.com/watch?v=1ZSI1RsIRG0
This nine-minute video provides an explanation of the IRS appeals process used to resolve tax issues.
Your Guide to an IRS Audit (IRS): www.irsvideos.gov/audit/
This Web site contains a series of 10 short videos that discuss topics related to the IRS tax audit process.
10. 10
Insurance
Web Sites
Best’s Credit Ratings (A.M. Best Company): http://www3.ambest.com/ratings/default.asp
This Web site provides information about how A.M. Best rates the financial strength of insurance companies.
Car Insurance Basics (Insure.com): http://www.insure.com/car-insurance/basics.html
This Web site discusses seven key components of auto insurance policies and insurance terminology.
Glossary of Insurance Terms (A.M. Best): http://www.ambest.com/resource/glossary.html
This Web site provides an easily searchable comprehensive glossary of insurance terms.
Health Insurance Glossary: http://www.healthinsurance.org/glossary/category/a/
This Web site provides an easily searchable comprehensive glossary of health insurance terms.
Health Savings Accounts and Other Tax-Favored Health Plans: http://www.irs.gov/publications/p969/index.html
IRS publication 969 discusses HSAs and three other types of tax-advantaged plans to save for health care expenses.
Insurance Information Institute: http://www.iii.org/
This Web site has information about a variety of insurance topics including how to make a claim and flood insurance.
Insurance Premium Quote Web Sites: Insure.com (www.insure.com), InsWeb (www.insweb.com), Quick Quote
(www.quickquote,com), and Lower Rate quotes (www.lowerratequotes.com)
These Web sites are examples of available commercial resources that provide insurance premium quote services.
Insuring Your Health: http://www.extension.umd.edu/insure
This Web site provides a consumer-tested workbook for making a smart choice health insurance purchase, resources
for consumers and educators, and research on the topic of health insurance.
Long Term Care (LTC) Information (Department of Health and Human Services): http://www.longtermcare.gov
This Web site discusses types of long-term care services, how much they cost, and how to plan ahead for LTC needs.
Medicaid Web Site: http://www.medicaid.gov/
This Web site describes features of Medicaid, eligibility requirements, and how to sign up for benefits.
Medicare Web Site (Centers for Medicare and Medicaid Services): http://www.medicare.gov/
This is the official U.S. government Medicare Web site and includes links for information and online search tools.
National Association of Insurance Commissioners (NAIC): http://www.naic.org/
This Web site provides information about a variety of insurance and insurance regulation topics.
National Insurance Crime Bureau: https://www.nicb.org/
This Web site contains a service to check vehicle identification numbers (VINs) and information about fraud topics.
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Social Security Disability Insurance: http://www.ssa.gov/disability/
This Web site provides information about qualifications to receive Social Security disability and how to apply for it.
Weiss Ratings: http://www.weissratings.com/
This Web site provides information about how Weiss Ratings evaluates the financial strength of insurance companies.
Who Needs Disability Insurance? (LIFE): http://www.lifehappens.org/who-needs-disability-insurance/
This Web site provides information about disability insurance such as who needs it and where to buy it.
Calculators
Care Cost Calculator (National Advisory Center for LTC Insurance): http://www.longtermcareinsurance.org/
The calculator shows the average cost of long term care in an area to help users determine savings or insurance needs.
Evaluate Life Insurance (Consumer Federation of America): http://www.evaluatelifeinsurance.org/
This Web site describes a resource for evaluating the rate of return on a cash value life insurance policy.
Life Insurance Needs Calculator: http://www.lifehappens.org/life-insurance-needs-calculator/
This online calculator helps people determine how much life insurance they need based on personal variables.
Videos
Deductibles and Coinsurances: http://www.youtube.com/watch?v=8IybFtOtXdc&feature=related
This 2 minute, 42 second whiteboard video explains key insurance terms such as copays, deductibles, and maximums.
How Does Health Insurance Work? http://www.youtube.com/watch?v=nXfGeMNnBsM&feature=related
This 2-minute whiteboard video explains how health insurance works and key health insurance terms.
How to Buy Car Insurance: http://www.youtube.com/watch?v=UbLoU6dEisg&feature=relmfu
This 3-minute video explains the steps involved in purchasing an auto insurance policy.
How to Buy Homeowner’s Insurance: http://www.youtube.com/watch?v=luoRjGjUQqY
This 3-minute video explains the steps involved in purchasing a homeowner’s insurance policy.
How to Buy Renter’s Insurance: http://www.youtube.com/watch?v=COvw1h_Mbr4&feature=relmfu
This one minute, 50 second video explains the steps involved in purchasing a renter’s insurance policy.
Insurance Fraud Video (CNET): http://cnettv.cnet.com/insurance-fraud/9742-1_53-50036636.html
This two-minute video is a television news segment about how health insurance fraud is committed.
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Insurance Fraud Video (CBS Evening News): http://www.cbsnews.com/8301-18563_162-57367081/scammers-
cash-in-on-car-accidents/?tag=mncol;lst;3
This three minute, 18 second video is a television news segment about how auto insurance fraud is committed.
Investing
Web Sites
American Association of Individual Investors (AAII): http://www.aaii.com/
This is the Web site for AAII, a national organization that provides investment information to its members and
consumers.
Annuities (U.S. Securities and Exchange Commission or SEC ): http://www.sec.gov/answers/annuity.htm
This Web site explains the different types of annuities and provides a link to more information about variable
annuities.
Better Investing (National Association of Investors Corporation): http://www.betterinvesting.org
This is the Web site of the national organization that helps people organize and maintain local investment clubs.
Beware of Investment Fraud: http://www.usa.gov/topics/consumer/scams-fraud/investment.shtml
This Web page from USA.gov describes common “red flags” of investment fraud schemes.
Bond Rating (Investopedia): http://www.investopedia.com/terms/b/bondrating.asp#axzz2345s7vD2
This Web page defines what a bond rating is and explains the letters used by rating agencies to indicate credit quality.
Exchange-Traded Funds (ETFs) (U.S. Securities and Exchange Commission or SEC):
http://www.sec.gov/answers/etf.htm
This Web site explains what ETFs are and how to buy them and provides dozens of links to additional SEC resources.
FINRA BrokerCheck: http://www.finra.org/Investors/ToolsCalculators/BrokerCheck/
This Web site describes a free tool for investors to research the backgrounds of FINRA-registered brokerage firms and
financial advisors. FINRA is the Financial Industry Regulatory Authority.
FINRA Investor Education Modules: http://www.finrafoundation.org/resources/education/modules/
This Web site contains 11 modules on topics such as key investment concepts and safeguarding investments.
Invest Wisely: An Introduction to Mutual Funds (U.S. Securities and Exchange Commission):
http://www.sec.gov/investor/pubs/inwsmf.htm
This Web site provides a detailed description of characteristics and types of mutual funds and mutual fund terms.
Investing for Your Future (IFYF) Home Study Course: www.investing.rutgers.edu and
http://www.extension.org/pages/10984/investing-for-your-future
IFYF is a free Cooperative Extension 11-module basic investing home study course with monthly message updates.
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Investment Company Institute (ICI): http://www.ici.org/
This Web site of ICI, the national association of U.S. investment companies, includes investor education resources.
Investment Risk Tolerance Quiz (Rutgers Cooperative Extension): http://njaes.rutgers.edu/money/riskquiz/
This 13-question quiz has been found to be a reliable tool to assess users’ investment risk tolerance level. Users receive
a score and an interpretation of it to help them make investment decisions.
Managing Investment Risk (FINRA):
http://www.finra.org/Investors/SmartInvesting/AdvancedInvesting/ManagingInvestmentRisk/
This Web site explains the different types of risks that are associated with investing.
Morningstar: http://www.morningstar.com
Morningstar is a Web site that provides information and performance analyses of mutual funds and other securities.
Mutual Fund Education Alliance: http://www.mfea.com/
This mutual fund trade association Web site includes fund ratings and articles on a wide variety of investment topics.
Mutual Fund Prospectus (U.S. Securities and Exchange Commission):
http://www.sec.gov/answers/mfprospectustips.htm
This Web page describes two types of fund prospectuses (statutory and summary) and the information they contain.
Net Worth Calculation Worksheet: http://njaes.rutgers.edu/money/pdfs/networthcalcworksheet.pdf.
This is a downloadable “paper and pencil” worksheet for users to calculate their net worth.
Net Worth Calculation Spreadsheet: http://njaes.rutgers.edu/money (see Microsoft Excel Financial Templates)
This is a downloadable Excel spreadsheet with pre-programmed formulas for users to calculate their net worth.
North American Securities Administrators Association (NASAA): http://www.nasaa.org/
The NASAA Web site can be used to locate contact information for state securities regulators.
Smart Money (Wall Street Journal): www.smartmoney.com
This magazine-like Web site provides information on a wide variety of personal finance and investment topics.
Stocks (FINRA): http://www.finra.org/Investors/SmartInvesting/ChoosingInvestments/Stocks/
This FINRA fact sheet provides a comprehensive overview of features and types of common stock.
Treasury Direct: http://www.treasurydirect.gov/
This is the federal government Web site for the purchase of U.S. savings bonds and Treasury securities.
U.S. Securities and Exchange Commission: www.sec.gov
This is the Web site of the federal government agency charged with protecting investors against fraud.
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Yahoo! Finance: http://finance.yahoo.com
A comprehensive Web site for personal finance information including daily investment performance data.
Calculators
Annuity Calculator (MoneyChimp): http://www.moneychimp.com/calculator/annuity_calculator.htm
This Web site helps users calculate the annual payout for an annuity using data for three variables that users input.
Asset Allocation: Fix Your Mix (CNN Money):
http://cgi.money.cnn.com/tools/assetallocwizard/assetallocwizard.html
Users input data about their time frame and risk tolerance and receive suggested asset allocation weightings.
Dollar Cost Averaging Calculator (American Century Investments):
https://www.americancentury.com/calculator/dollar_cost_averaging_calculator.jsp
Users input the amount of their monthly investment and monthly share prices to calculate an average share price.
Investment Return Calculator (AARP): http://www.aarp.org/money/investing/investment_return_calculator/
Users can input data about their investments and receive a projection of the amount that their money will grow to.
Rule of 72 (Calculators): http://www.investopedia.com/ask/answers/04/040104.asp#axzz2345s7vD2
This Web site contains calculators to estimate the time or interest rate required for a sum of money to double.
Taxable vs. Tax-Advantaged Savings? Calculator: http://www.calcxml.com/do/inv07
This calculator can determine the future value of taxable and tax-deferred investments based on inputted data.
Videos
Elder Investor Fraud: A National Epidemic (Investor Protection Trust):
http://www.investorprotection.org/learn/?fa=eiffeVideo
This video describes the problem of elder investment fraud and common ways that older adults are defrauded.
How Mutual Funds Work: http://www.youtube.com/watch?v=v8tK6LuOP3E&feature=topics
This one minute, 44 second video explains how mutual funds operate, how they are bought, and their advantages.
Introduction to Bonds: http://www.youtube.com/watch?v=svOsKnWlW-g
This one minute, 47 second video explains characteristics of bonds and how they are issued to investors.
Investing Money in Plain English: http://www.youtube.com/watch?v=UaPfs1WY9QM
This “whiteboard” format video provides an explanation of the risks and potential benefits of investing money.
Stocks vs. Bonds (Investopedia): http://www.youtube.com/watch?v=UuIAscSa0p4
This one minute, 56 minute video explains the characteristics of and differences between stocks and bonds.
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What are Stocks?; http://www.youtube.com/watch?v=JrGp4ofULzQ
This one minute, 25 second video explains characteristics of stocks and how they are bought and sold.
Retirement Planning
Web Sites
American Savings Education Council (ASEC): http://www.choosetosave.org
This Web site contains information about planning and saving for retirement and related financial topics. It is hosted
by ASEC, a national coalition of public- and private-sector organizations.
Center for Retirement Research (Boston College): http://crr.bc.edu/
This Web site is a good source of information about retirement topics and research findings about retirement.
Delaying Retirement But Not Your Retirement Dreams:
https://www2.troweprice.com/iws/wps/wcm/connect/d2edab0046d7abf0a87eb899d35c25cc/0477923_P1.pdf?MOD=A
JPERES&CACHEID=d2edab0046d7abf0a87eb899d35c25cc
This T. Rowe Price article explains how people can start living their retirement dreams while they are still working by
starting to do things on their “bucket list” while working a few additional years.
403(b) Wise: http://www.403bwise.com/
This Web site contains information about tax-deferred 403(b) retirement savings plans.
Individual Retirement Accounts (IRAs): http://www.irs.gov/retirement/article/0,,id=111413,00.html
This Web site contains an Internal Revenue Service (IRS) fact sheet with frequently-asked questions about IRAs.
Pension Benefit Guarantee Corporation (PBGC): http://www.pbgc.gov/
This Web site provides information about the federal government agency that guarantees certain benefits to eligible
private sector workers whose employer’s defined benefit pension is not financially sound.
Plan Well, Retire Well: http://web.extension.illinois.edu/cfiv/eb141/
This University of Illinois Cooperative Extension Web site features frequent blog posts on retirement planning topics.
Planning For a Secure Retirement: http://www.ces.purdue.edu/retirement/
This Purdue University Cooperative Extension Web site is an entire retirement planning course that is broken down
into ten modules with additional links to online resources.
Retirement Confidence Survey: http://www.ebri.org/surveys/rcs/
The annual Retirement Confidence Survey, sponsored by the Employee Benefit Research Institute (EBRI), measures
workers’ attitudes about retirement and trends in how people are planning for retirement.
Retirement Living Information Center-Taxes By State: http://www.retirementliving.com/taxes-by-state
This Web site features a clickable U.S. made that provides state tax data to help retirees make relocation decisions.
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Retirement Readiness Rating (R3
) Survey: http://www.ebri.org/surveys/rcs/2000/dis_rrr.cfm
The R3
survey provides a personalized assessment of how prepared people are to retire.
Social Security: http://www.ssa.gov/
This is the Social Security Web site home page where users can find links for forms and publications, locate a Social
Security office, and apply for retirement benefits online.
Social Security Benefit Estimate Web Site: http://www.ssa.gov/mystatement/
This Social Security Web link allows users to obtain a personalized retirement benefit estimate online.
Uniform Distribution Table for Required Minimum Distributions (RMDs):
http://njaes.rutgers.edu/money/ira-table.asp
This online fact sheet from Rutgers Cooperative Extension shows the appropriate divisors for taxpayers over age 70½
to use to withdraw the correct RMD amount from tax-deferred retirement savings plans.
Women’s Institute for a Secure Retirement (WISER): https://www.wiserwomen.org/
This Web site contains information about retirement planning topics that is especially targeted toward women.
Calculators
AARP Retirement Calculator: http://www.aarp.org/work/retirement-planning/retirement_calculator/
This online calculator uses data inputted by users to provide an analysis of their preparation for retirement.
Compound Interest Calculator: http://www.moneychimp.com/calculator/compound_interest_calculator.htm
This calculator from MoneyChimp shows what a certain amount of principal (i.e., investment deposit) will grow to at a
specific interest rate over a specific number of years.
Life Expectancy Calculators: http://www.northwesternmutual.com/learning-center/the-longevity-game.aspx (The
Longevity Game, Northwestern Mutual Insurance Company) and
http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html (How Long Will I Live?, Wharton School) and
http://www.msrs.state.mn.us/info/Age_Cal.htmls (Life Expectancy Calculator, Minnesota State Retirement System).
All three calculators include questions about users’ personal health and lifestyle.
Social Security Life Expectancy Calculator: http://www.socialsecurity.gov/OACT/population/longevity.html
This calculator shows the average number of additional years that a person is expected to live based only on their age
and gender. Lifestyle factors, health status, and family health history are not considered.
The Ballpark Estimate: http://www.choosetosave.org/ballpark/
The Ballpark Estimate is a simple planning tool that provides a rough estimate of the amount of money someone needs
to save to meet their retirement savings goal.
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Video
Ready for Retirement: How Much Money Do You Need?:
http://www.youtube.com/watch?v=mhVhESLR5Bk&feature=related
This 4-minute video describes the basics of the financial planning process and things retirees should consider.
Saving
Web Sites
America Saves: http://www.americasaves.org/
The America Saves program Web site encourages individuals to save money, reduce debt, and build wealth. The E-
Wealth Coach Articles page of the America Saves site http://americasaves.org/for-savers/21 contains an archive of
articles written by financial experts about building wealth and saving money. The America Saves Week Web site
http://www.americasavesweek.org/ provides information for both individual savers and campaign coordinators.
Feed the Pig: http://www.feedthepig.org/
This Web site uses a humorous cartoon pig character, Benjamin Bankes, to promote saving for financial goals.
Financial Goal-Setting Worksheet: http://njaes.rutgers.edu/money/pdfs/goalsettingworksheet.pdf
This one-page Rutgers Cooperative Extension worksheet can help users to calculate savings needed for financial goals.
Frugal Living (About.com): http://frugalliving.about.com/
This Web site provides information about reducing living expenses to free up money to save.
Save and Invest.org (FINRA Foundation): http://www.saveandinvest.org/
This Web site provides information on saving and investment topics including emergency funds and goal-setting.
Saving vs. Investing (FinancialWeb): http://www.finweb.com/financial-planning/saving-vs-investing.html
This Web page provides a good explanation of the differences between saving and investing.
Small Steps to Health and Wealth™: http://njaes.rutgers.edu/sshw/
This Web site describes small steps that people can take to improve their health and save and invest money.
Calculator
1% More Savings Calculator (New York Times): http://www.nytimes.com/interactive/2010/03/24/your-money/one-
pct-more-calculator.html
This calculator shows how much someone can accumulate by increasing savings by 1% or more a year.
Videos
Savingsman Public Service Announcements (EBRI): http://www.choosetosave.org/psaplayer/index.html
This Web page contains links to 15- and 30-second PSAs that promote the value of saving money for retirement.
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The Pros and Cons of Saving and Investing (ING Tutorial):
http://www.youtube.com/watch?v=2DBdWeTxXeU&feature=related
This two- minute video explains saving versus investing with an analogy to a race between a tortoise and a hare.
Free Financial Education Curricula
Building Your Future™ (The Acturarial Foundation):
http://www.actuarialfoundation.org/programs/youth/getonthelist.shtml
This Web site provides information about how to order a free 3-book high school personal finance curriculum.
Family Economics and Financial Education (University of Arizona FEFE): http://www.fefe.arizona.edu/
This Web site includes information about training workshops for teachers and free ready-to-teach lesson plans.
Financial Fitness For Life (FFL): http://fffl.councilforeconed.org/
This Council for Economic Education Web site includes curriculum materials (downloadable activities and visuals) for
personal finance lessons on financial planning related topics. Print materials are also available for purchase.
Hard Core Financial Education Boot Camp (Rutgers Cooperative Extension and NJ Coalition for Financial
Education): http://njaes.rutgers.edu/money/bootcamp/
This Web site contains videos and PowerPoint slides for a full-day financial education training program for teachers.
Printed PowerPoint handouts to accompany the videotaped presentations can be downloaded free of charge.
Learning, Earning, and Investing for a New Generation (CEE): http://www.hsfpp.org/
This Council for Economic Education Web site includes curriculum materials (downloadable activities and visuals) for
21 personal finance lessons on saving, investing, and related topics. Print materials are also available for purchase.
Money Matters Pro (NY Public Library): https://sites.google.com/a/nypl.org/money-matters/home/curriculum
This Web site contains annotated PowerPoint presentations, activities, and online resource lists for 11 personal finance
programs for adults. The workshops were developed to provide training to library staff on personal finance resources.
Money Skill (AFSA Education Foundation): http://www.moneyskill.org/
The Web site includes a demo and information about Money Skill, a free online personal finance course for young
adults. The high school version contains 36 modules, with pre- and post-tests, and covers key financial concepts. There
is also a middle school version with 12 modules. The course is aligned with national Jump$tart Coalition standards.
Money Smart for Young Adults (FDIC): http://www.fdic.gov/consumers/consumer/moneysmart/young.html
This Web site provides information about the FDIC youth curriculum and how to order it on a CD free of charge.
NEFE Financial Workshop Kits: http://www.financialworkshopkits.org/
This Web site provides free downloadable curriculum materials for adult financial education workshops including
PowerPoint slides, scripts, handouts, and other resources. Materials are organized by topic area and audience.
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NEFE High School Financial Planning Program®: http://www.hsfpp.org/
In the “Get Materials” section of this National Endowment for Financial Education (NEFE) Web site, educators can
order print materials (six student workbooks) and download or view online resources.
Practical Money Skills for Life: https://www.practicalmoneyskills.com/foreducators/lesson_plans/highschool.php
This Web site from Visa provides links to a free downloadable 22-lesson personal finance curriculum for grades 9-12.
Lesson plans are also available for grades Pre K-2, 3-6, and 7-8.
For lists of additional free financial education resources, see http://www.cde.ca.gov/eo/in/fl/finlitk12.asp and
http://www.dfi.wa.gov/financial-education/educators-high.htm.