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• Which IRA Is Best?
  IRAs offer you a way to create tax-advantaged retirement savings. But with three flavors to choose from - Roth, deductible or nondeductible - figuring out which IRA is the most appropriate for your retirement savings and investment plan can be confusing.. IRAs offer you a way to c
• Who Can Help Me with My Taxes?
  If you’re like millions of Americans, you may be overwhelmed at the prospect of preparing your tax return. Maybe you’re considering getting some professional help at tax time so you know what papers to collect and what forms to complete.. If you’re like millions of Americans, you may be o
• Tax Issues
  While none of us particularly enjoys having to file and pay taxes it is an important part of our financial planning. Our Tomorrowsmoney.. While none of us particularly enjoys having to file and pay taxes it is an important part of our financial planning. Our Tomorrowsmoney.org website pr
• Refund Anticipation Loans
  If you watch TV, you’ve seen ads for them. If you use a tax preparation center for help in filing your taxes, you’ve heard about them.. If you watch TV, you’ve seen ads for them. If you use a tax preparation center for help in filing your taxes, you’ve heard about them. What are they?
• What if I need help?
  Once you've collected all the necessary paperwork, you might find that you need a little help walking through the process. You have several options: Income tax softwareYou can buy software that will help you prepare and file your taxes..
• 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
• 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
• Making Work Pay Tax Credit Boosts Take-Home Pay for Workers, Provides $250 Benefit for Retirees
  The Obama Administration’s American Recovery and Reinvestment Act stimulus package includes a temporary two-year “Making Work Pay” tax credit. The credit will provide working individuals with a little more money in their paychecks in 2009 and 2010.. The Obama Administration’s American Recovery and R
• What if I, or my spouse, is actively serving in combat zones overseas?
  First, taxpayers covered by military-related tax relief provisions should put the words "COMBAT ZONE" and their deployment date in red ink at the top of their tax returns. If you are active military or a reservist called to active duty you may qualify for two tax breaks..
• The Earned Income Tax Credit (EITC) – What it is and How to Know if You Qualify For it
  Did you know that there is a tax credit for low-income workers that can lower or even eliminate your federal income tax burden? It's called the earned income tax credit (EITC) and it has been helping millions of low-income working families and individuals for nearly 30 years. If you do qualify for a
• Paying for Child Care
  As you think through what type of child care you would like to secure, plan according to your finances. If you don’t already have one, start by . As you think through what type of child care you would like to secure, plan
• Paying for Child Care
  As you think through what type of child care you would like to secure, plan according to your family’s finances. If you don’t already have one, start by . As you think through what type of child care you w
• Tax Changes that Could Affect Your 2010 Tax Bill
  There are a few changes to the tax law that could affect your 2010 federal income tax bill. These changes are important to know about especially if you’re preparing your own taxes. The good news is that most of these changes have the potential to reduce or even eliminate the amount you owe the feder
• Filing an Amended Tax Return
  Even if you double checked all your numbers and reviewed every line of your completed federal tax return, it is possible to inadvertently make a mistake. Maybe you forgot about some income you had earned when you received a W. Even if you double-checked all your numbers and reviewed every line of your
• Avoiding Identity Theft and Scams at Tax Time
  Your tax forms and tax-related documents include information that is valuable to identity thieves such as your name, address, birthdate, Social Security number and more. There are simple steps you can take to prevent your identity from being stolen during tax time including: Contact employers and/or
• 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
• To Incorporate or Not
  You want to set up your business in the legal structure that makes the most sense for you. This legal structure helps define liability or responsibility for the cost of things that can go wrong.. You want to set up your business in the legal structure that makes the most sense for you. This lega
• Ending the Year on the Right Foot
  Only a couple more weeks before we ring in the New Year. But there's still time to make a few decisions that will minimize your taxes for this year and help you start out on the right foot financially next year.. Only a couple more weeks before we ring in the New Year. But there's still
• Benefits of 529 Plans
  There are numerous benefits to investing in either a 529 prepaid tuition or savings plan: Federal tax advantages. Although you can’t deduct your 529 plan contributions from your federal income taxes (the way you can deduct the interest you pay on your mortgage, for example) the money you invest in e
• Paying for Health Insurance Coverage
  If you have employer-sponsored insurance through your or your spouse’s work, you are still likely to have to pay some portion of the premium. Most likely premium payments will be deducted from your paycheck on a regular basis.. sored insurance through your or your spouse’s work, you are still likely to
• First-Time Homebuyers Can Use Tax Credit for Down Payment, Closing Costs for FHA Mortgage
  If you, like many potential home buyers, are leaning toward buying a home in part due to the 8,000 federal tax credit you may be in for a very nice surprise. Instead of having to purchase a home, file a federal income tax return and only then get the tax credit, buyers who choose to apply for a.
• How It Works
  While you work you are building your future Social Security retirement benefits. You pay into Social Security through a payroll tax which is deducted from your paychecks, or you pay as part of your quarterly estimated or year-end tax bill.. While you work you are building your future Social
• To Rent or to Buy?
  THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you build equity and get to write off your mortgage interest.. THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you bu
• Taxes
  Being your own boss creates plusses and minuses on the tax side. Among the plusses are the possibility of deducting business expenses—the use of your car, the use of a home office, the cost of supplies, publications and business entertainment—within the IRS regulations, to reduce your taxable income
• Employer-Based Health Insurance
  If you are not married you may still be able to obtain health insurance for one another through your workplace. Check with your human resources department to see if they extend domestic partner privileges to unmarried couples for benefits such. If you are not married you may still be able to ob
• Co-Owning Property
  As an unmarried couple you will need to decide if and how you want to co own documented property (i.e. real estate, cars, boats, stocks, bank accounts, financial investments) All of these forms of property have documented evidence of ownership. As an unmarried couple you will need to decide if
• New Initiatives Aimed at Helping You Save More for Retirement
  The federal government is making changes to help you save and invest for your post-work future. The new rules are designed to help Americans save for retirement by making it more “automatic” – by having workers automatically enrolled in 401(k) or SIMPLE IRA retirement savings plans, having tax refun
• Additional Assistance
  If you have questions about the EITC, contact the IRS office in your area (look under "Federal Government" in the blue pages section of your phone book) If you have an emergency that is causing a personal financial hardship, you can call the Taxpayer Advocate Service in Kansas City at 816-926-2493.
• If a Beneficiary Does Not Attend College
  Even the best-intentioned plans can change.  If the beneficiary of your 529 prepaid tuition or savings plan chooses not to attend college you have several options for your funds.. Even the best-intentioned plans can change. If the beneficiary of your 529 prepaid tuition or saving
• What Type of Bond Do I Want to Buy?
  Most bonds are issued by one of three groups: the U.S.. Most bonds are issued by one of three groups: the U.S. government or federal agencies; state and local governments, and corporations. Here's a breakdown of the types of bonds
• Financial Tools
  In addition to insurance benefits your employer will likely offer various financial tools that you can use to reduce your taxable income and save for your short-term needs and long-term goals. Health Spending Accounts Healthcare spending accounts provide you with a way to pay for health care expense
• Questions to ask when considering buying an annuity
  Does buying an annuity fit in well with my overall retirement savings plan that includes IRAs and employer-sponsored 401(k) plans first? Am I maximizing my contributions to other tax-free retirement investment options first? Unless you have a special need that only an annuity can fill, such as a dea
• Power of Compounding
  Everyone knows that “a penny saved is a penny earned. But through the magic known as “compounding, even a penny can become a substantial sum of cash.. Everyone knows that “a penny saved is a penny earned. But through the magic known as “compounding, even a penny can become a substantial sum of cash.
• Childcare and Taxpayer Assistance
  Every state gets funds under the Child Care and Development Block Grant Act of 1990 to help low-income families pay for childcare. These funds are to first help very low-income families and families with children who have special needs pay for childcare for children/dependents up to age 19..
• Taxes
  Being your own boss creates plusses and minuses on the tax side. Among the plusses are the possibility of deducting business expenses—the use of your car, the use of a home office, the cost of supplies, publications and business entertainment—within the IRS regulations, to reduce your taxable income
• Comparing Plans
  Once you have made the decision to begin saving for a college education, you understand that 529 plans offer a way for your savings to go farther, and you have thought about both your risk tolerance and your child’s age relative to their college entrance date, the next step is to compare possible pl
• Managing Your Income During Retirement
  In retirement, perhaps more than any other time in life, you will need to take control of your personal finances.  If you are fully retired (meaning that you are not doing any type of paying work) you will not have a consistent income stream from work or employer-based benefits.. re than any other time in
• Tax Law Changes to Know When Filing Your Federal Income Taxes
  Every year the federal income tax laws change. Those changes can be small or monumental. And those changes can have a substantial impact on the information you may need to gather, forms you may be required to complete and –. Every year the federal income tax laws change. Those changes can be small o
• Healthcare Savings Accounts (HSAs)
  In addition to simply putting money aside for future medical or healthcare costs in a checking or savings account you may also be able to use something called Healthcare Savings Accounts (HSAs) HSAs can only be used by people that have high-deductible health insurance policies.. ting money aside for futu
• Where do I start?
  You'll need to file two separate tax forms - federal and state income taxes. You can get tax forms online at . You'll need to file two separate tax forms - federal and state income taxes. You can get tax forms online at www.irs.gov/formspubs , through the IRS p
• 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
• Who are annuities good for?
  Any investment choice depends on many factors including your personal circumstances, your age, the amount of risk you feel comfortable taking, the amount of time you have before you need the money, and your other assets, investments and financial realities. When you are young, it’s typically better
• New Tax Law Allows Seniors to Keep More of Retirement Plan Funds Invested in 2009
  Initially designed as a way to help retirees who have seen the value of their retirement investments drop in the economic downturn, Congress passed a new law that allows IRA and 401(k) plan holders age 70 ½ and older to not have to take a minimum required distribution (MRD) in 2009. The MRD is based
• Making Plans for Next Year's Taxes
  After you've hit "send" or dropped your completed tax forms in the mail, take a little time to set yourself up to not find yourself in "tax panic" come next year. Consider creating a budget.. After you've hit "send" or dropped your completed tax forms in the mail, ta
• 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
• 10 Great Things to Do with Your Tax Refund
  According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly 2,500. Do you anticipate receiving a refund? If so, don’t just rush ahead and spend it.. According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly
• Bookkeeping
  You are also well advised to keep your personal funds separate from your business funds. If you incorporate, your bank will require your business to have a separate business checking account.. You are also well advised to keep your personal funds separate from your business funds. If you inco
• In a Tough Economy, the Federal PLUS Loan May Give Parents Extra Cash Needed for a Child's College Tuition
  If you have a son or daughter in college, the recession may have impacted your savings and investments at a time when you were depending on those resources to pay for college. With lenders tightening up requirements to qualify for personal or home equity loans you may be looking for other financial
• Life Insurance: A Key Consideration for Unmarried Couples
  Considering life insurance is an important part of every person’s financial plan however it should be an even higher priority for unmarried couples because they typically do not have the ability to enjoy all the same financial benefits as opposite. Considering life insurance is an important part of
• 401(k)
  What is a 401(k) and Why Should I Have One? Enron. Six months ago most Americans wouldn't have recognized the name.. What is a 401(k) and Why Should I Have One? Enron. Six months ago most Americans wouldn't have recognized the name. Now we're painfully familiar with
• Seasonal Stories
  Fall Home Buying 101 Want to become a homeowner? Wonder what it will take to get there? Click here to check out our new series on "Home Buying 101" - a step-by-step monthly guide to turning the dream of homeownership into a reality . Open Enrollment It's fall - the "open enrollment" season for thous
• Financial Advisor-Related Questions
  Once you have a grasp on your basic financial picture, you may decide to look for some outside help in managing your finances or making decisions involving your finances. To find the right financial professional, it's important to first ask what type of help you're looking for..
• Topics to Discuss
  As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to discuss every financial topic and reach an agreement on all of your priorities in one discussion.. As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to d
• Why Invest in Bonds?
  There are numerous benefits to investing in bonds including: Financial Security - There's a reason that a bond is called a “fixed-income” security – not only are you highly likely to get back your principal but you can also count on receiving interest on your investment. Portfolio Balance & Dive
• What if I've suffered a recent hardship?
  If you've recently suffered a loss such as the death of a family member or loss of a job, and you aren't physically or emotionally able to get everything together needed to file your taxes, it's a wise idea to apply for an extension. To get an extension for your federal taxes, you'll need to complet
• Ongoing Homeownership Responsibilities
  In addition to paying your mortgage there are other financially-related items to keep track of and take advantage of such as deducting the interest on your mortgage from your taxes, considering a home warranty, and keeping home records. Claiming the Mortgage Interest Deduction on Your Taxes There is
• What if I can't pay my tax bill?
  What should you do if you complete your return only to realize that you can't pay your tax obligation? The most important thing to know is that you should NOT delay in filing your taxes because you're not able to pay your tax bill in full. If you don't file you'll have to pay not only the "failure t
• 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
• Permanent Life Insurance
  Permanent life insurance is known by many names such as whole life, universal life, cash-value insurance, and variable universal life insurance. It is considered “permanent” because unlike term life insurance, there is no time limit to the policy.. Permanent life insurance is known by many names su
• Borrowing Against Your Retirement Savings
  While experts don’t recommend tapping into your retirement savings for any reason- because you are putting savings and potential interest and growth opportunities at risk- you may be considering this as one of your only options. Before you do anything, let’s look at what’s involved in borrowing agai
• Borrowing against Your Home’s Value
  If you own your own home you may want to consider taking out a loan against the equity, or savings, you have built up in your home by taking out a home equity loan. If you have good credit – meaning that you have made your monthly mortgage payments in full and on time – you may be eligible to take o
• Bookkeeping
  You are also well advised to keep your personal funds separate from your business funds. If you incorporate, your bank will require your business to have a separate business checking account.. You are also well advised to keep your personal funds separate from your business funds. If you inco
• Stretching Your Retirement Spending Dollar
  During retirement you are going to have to make your income and savings stretch further than before to reduce the risk of outliving your financial reserve. To do that you will need to start with a plan for how to strategically draw down your retirement savings and investments , and then mindfully ma
• What's New
  This section will list new articles, features and tools to the Tomorrowsmoney.org suite of sites as they are posted. Refer back to this section regularly to see what new information we have to share to help your audiences gain control over their personal financial planning to create a more financial
• IOUs Issued by the State of California
  In June of 2009 California Governor Arnold Schwarzenegger announced that the state had a 26 billion deficit and, until the budgetary issues are resolved through the state legislature, it will not be able to pay all of its bills or honor all of its financial commitments. Strapped for cash, the state
• Refinancing
  When you buy a home you obtain a mortgage, also called a purchase loan by mortgage professionals. It’s simply a loan to purchase a home.. When you buy a home you obtain a mortgage, also called a purchase loan by mortgage professionals. It’s simply a loan to purchase a home. The bank or f
• What's New This Month
  July '09 : IOUs Issued by the State of California Strapped for cash, the state of California has started issuing more than 3 billion in IOUs to businesses, individual tax payers and county governments to whom it owes money. California state government officials have indicated that the IOUs – which
• 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
• Teenagers
  Your teenage children will need to take increasing responsibility for spending and saving and learn from the natural consequences of personal financial choices. Talk with your teen about the values you and your spouse hold regarding money, how those values have shaped your financial choices as a fam
• How Much Should You Save?
  FIRST, THE BAD NEWS: If you have dreams of sending your newborn child to Harvard, you'll have to raise a small fortune to foot the bill. Now, the good news: Thanks to the emergence of 529 plans, saving for college is easier than ever.. FIRST, THE BAD NEWS: If y
• 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
• Should You Borrow from Your 401(k) or 403(b)?
  These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b) plan participants can too.. These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b
• Your First Car
  Nothing spells freedom like having your own car, right?  If you’re thinking about buying a car, take some time to think through your needs and get educated on what’s involved in buying a car so you’re not the one being taken for a ride. It can be intoxicating to walk onto a new car lot – all that hor
• Enrolling In and Contributing to a 529 Plan
  There are two ways you can enroll in a 529 plan: The “Direct Sold” method: all states and the District of Columbia offer 529 plans that permit you to enroll directly. By enrolling directly through the state you will typically pay fewer fees and no sales commissions, unlike 529 plans sold through a p
• What kinds of annuities can I invest in?
  There are many different kinds of annuities designed for investors: of different ages with different life goals, with different investment needs and in different tax brackets. Most annuities available today have some combination of these features: Single Premium or Flexible Premium With a single pre
• What is an annuity?
  Annuities are investments that you can use to turn savings into a dependable income stream for retirement or to provide financial support for your loved ones after your death. An annuity is a contract between you and a life insurance company.. Annuities are investments
• Planning for Retirement While You’re in the Military
  Whether or not you, or your spouse, are considering a full career in the military, it is important to think about, prepare and plan for your retirement years. While it can seem like it is very far off and your everyday needs and wants are more important, starting to save for retirement now – even in
• Other Investments
  Some other types of investments that you might hear or read about are: real estate – buying property (residential or commercial) and then making money from renting it, leasing it, or selling it at a higher price to another buyer real estate investment trusts (REITs) – a way to purchase an interest i
• 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
• Alternatives to Getting a Refund Anticipation Loan
  There are options likely to be less expensive than an RAL if you need the amount of money that you will get from your tax refund quickly. For example: If you simply want to speed up getting your refund, file your income tax forms online (visit www.IRS.gov ) and you can have your refund check either
• Which way to file?
  Once you've finished getting all your paperwork in order, you'll need to decide HOW you want to file - electronically or by mail. If you want to get your refund as quickly as possible, file online.. Once you've finished getting all your paperwork in order, you'll need to decide HOW you want to file
• 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
• Financial “Things to Do” Before the Year’s End
  With the holiday season officially underway it can be easy to spend most of your “financial thinking” on all of the holiday gift-giving, traveling and entertaining you will, or would like to be able to, do. But there are five simple things that you may want to consider doing to tie up some financial
• Medical Expenses and Taxes
  You may not be aware, but the IRS allows you to deduct medical costs from your federal income tax as long as they total more than 7.5% of your adjusted gross income.. You may not be aware, but the IRS allows you to deduct medical costs from your federal income tax as long as they total more
• Ways to Save for College
  Once you choose to make saving for a child’s college education a financial priority for your family the next step is creating a plan to make it actually happen. Here are a few tips to find and begin carving out savings: Examine your budget.. Once you choose to make s
• Getting Credit
  In order to gain access to credit you will need to apply with an institution or organization that loans money such as a bank, credit union, savings and loan, or credit card company. You will most likely need to complete an application that will ask for two main categories of information: Personal in
• Avoiding Costly Surprises
  Before you begin selling stocks or other investments as part of your strategy to draw down on your retirement portfolio be sure you understand the tax implications. The last thing you want is to find out is that by selling off investments to access cash you’ve created a big tax bill..
• Life Insurance
  Does anyone depend on your ability to work and make money? What financial resources would they have if you died and suddenly weren't there to support them? Are you married? In the U.S.. Does anyone depend on your ability to work and make money? What financial resources would they have
• Can I charge my tax bill?
  Yes. The IRS accepts American Express® Discover® MasterCard® and Visa®. Yes. The IRS accepts American Express® Discover® MasterCard® and Visa® However, think twice before pulling out the plastic. Financing a steep tax bill at a high interest rate charged by your credit ca
• What if I live overseas?
  If you're either military or a civilian living overseas, there are a few helpful things to know. First, if you qualify for overseas residency (as a U.. If you're either military or a civilian living overseas, there are a few helpful things to know. First, if you qualify for overseas residency (as a U.
• Silent Generation (Born between 1926-1945)
  Most members of the silent generation are already in some form of retirement (i.e. fully retired or working part-time, occasionally or seasonally to bring in some additional income) So what happens if you realize that you need to go back to work after you have already left the workplace? . t generation are already
• Tax strategies and municipal bonds
• Tax deferred
• Tax strategies for investing
• Tax-deferred investments
• What Credit Unions Offer
  Credit unions offer their members a wide variety of financial products and services. At a minimum, credit unions accept deposits for savings accounts.. Credit unions offer their members a wide variety of financial products and services. At a minimum, credit unions accept d
• What do titles like CPA, PFA and others mean?
  There’s a veritable alphabet soup in the financial services industry. Here’s a list of common abbreviated financial credentials: CFA - chartered financial analyst CFP - certified financial planner CFS – certified fund specialist ChFC – chartered financial consultant CIC – chartered investment counse
• Work and Taxes
  Over your lifetime you’ll spend a majority of your time at work. How do you make choices about your work that will help you create financial security for yourself and your family?  And as you collect earnings how do you make choices to minimize the taxes you’ll need to pay on that money?  This section
• Taxes
  As the saying goes taxes are one of the two certainties in life. It’s critical that you plan for, budget and pay your taxes on time and in full.. As the saying goes taxes are one of the two certainties in life. It’s critical that you plan for, budget and pay your taxes on time and in full. Take
• Long-Term Care Insurance
  John never felt comfortable talking about financial or health matters with his father. He assumed that his father, a widower, had insurance or savings that would pay for any long-term care he would need as he aged.. John never felt comfortable talking about financial or health matters with
• Tax Effects of Repaying Student Loans
  You may be able to deduct the interest you have paid on your loan(s) (up to a 2,500 limit) from your federal income taxes. Single taxpayers earning up to 55,000 may be able to partially or fully deduct the interest they paid on their loan(s). You may be able to deduct the interest you have pa
• Decide About Your Tax Filing Status
  Until your remarriage you have probably been filing as a “single payer” for your federal, state and local income taxes. Once you are remarried you will need to decide if you and your spouse are going to file jointly or separately.. Until your remarriage you have probably been filin
• Next Steps: Recovering from a Service Member’s Death
  As you work through the initial grief of losing your loved one it is important to know what resources the military provides: Legal Assistance Your casualty affairs officer will accompany you to a meeting with a Department of Defense legal assistance officer where you will learn about the benefits an
• Living on Less: What to Do When Your Pay is Cut
  Every day workers of all types, across all industries, get the bad news from their boss that their pay is going to be cut. Whether it’s because your company is going through a tough financial stretch, or because the economy at large is making it impossible for your employer to make payroll, or becau
• 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
• I don't know where to begin.
  The most important part about beginning to save and invest is just that…beginning. In fact, changing your attitude toward saving and investing may be the biggest hurdle you have to overcome.. bout beginning to save and invest is just that…beginning. In fact, changing your attitude toward saving and investing may be
• Budgeting for Beginners
  If you’ve never used a budget before – either because you don’t like the idea or because the thought of budgeting scares or intimidates you, consider changing your perspective. At its most basic, a budget is a tool.. If you’ve never used a bu
• Investing in Your 20s
  Starting out in the workforce you have a huge advantage working for your retirement planning: time is on your side. By creating the habit of saving and investing for retirement now, time will enable you to reap the benefit of both compounding interest and long-term gains.. Starting out in the workf
• Talking with an Aging Parent or Loved One about Moving
  If you believe that your aging parent or loved one needs to consider a different housing situation but he or she isn't initiating the conversation, you may need to raise it yourself. Be warned however, this can be a very touchy and potentially difficult discussion.. If you believe that your
• Starting Your Marriage Off on the Right Financial Foot
  Planning to get married is an exciting time. But it also involves making a lot of decisions – where to get married and when, who to choose for the wedding parties, which cake and invitations…the list of choices and things to discuss with your significant other can seem endless..
• Saving and Spending
  When two families come together spending money – and intentionally saving, or not spending, money - is often an issue. Two previously single parents usually have had no one else involved in their decision-making about spending and/or saving money.. When two families come together spending money – a
• How Unemployment Benefits are Calculated and What Happens When They Run Out
  When you lose a job you may be eligible for temporary unemployment benefits which can help you bridge the uncertain – and often financially worrisome period – between jobs. If you qualify, unemployment benefits will provide you with a percentage of your take-home pay for a specified period of time,
• Types of 529 Plans
  529 plans got their names from the section of the IRS tax code (section 529) which helped create this way of investing savings for college costs. There are two types of 529 plans: Prepaid Tuition Plans and Savings Plans.. 529 plans got their names from the section of the IRS tax code (section 529
• Questions To Ask When Evaluating Long-Term Care Insurance Policies
  When evaluating long-term care insurance, consider asking a provider the following questions: Are you licensed to sell long-term care insurance in this state?  Make sure from the start that the person you’re talking with is legally able to sell this insurance product to you. What is your company’s ra
• More about Debt Financing
  Although banks and financial institutions may advertise how much they enjoy lending to small businesses, do not expect to qualify for a loan without a solid business plan and some track record of success. Small business loans from banks usually have at least a 50,000 minimum because the banks canno
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  With business as with real estate, location is everything.  Whether you locate your business inside your home or elsewhere, make sure your space will inspire you to get the work done.. With business as with real estate, location is everything. Whether you locate your business inside y
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  While you might not like the idea of having to repay your student loan, the good news is that most likely you do have some choices about how you repay it. Let’s look at each type of loan and what repayment plan options are available: Direct Loan Program If you have a Direct Loan under the Stafford L
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  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
• Moving Forward
  After you have taken the first steps to identify the source of your financial problem(s) and your current budget the next step is taking action Talk to your creditors. If you’re behind on bills or if something has changed (i.e.. After you have taken the first steps to identify the source of your financi
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  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
• Millennials (Born 1984-1992)
  If you’re a member of “Generation Y” you’re either just starting out in the workforce or have a few years under your belt. For most millennials retirement seems like, well, a millennium away.. neration Y” you’re either just starting out in the workforce or have a few years under your belt. For most millennials retire
• What if I need an extension on my taxes?
  If worse comes to worst, don't panic. You can always file for an extension.. don't panic. You can always file for an extension. The important thing is that you need to file Form 4868 or call the IRS at (888) 796-1074 by April 15 for a four month extension. But that's just an extension to file, not to
• Planning for Retirement
  You can jointly plan for retirement even if you are an unmarried couple. However there are a few differences between what you and your married peers are able to do. For example, by law neither of you will be able. You can jointly plan for retirement even if you ar
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  Once you're comfortable knowing your own financial situation, and have begun making some small, but very important steps, toward saving and investing you may want to get additional help. There's a wealth of good, easy-to-understand, free help available by going online or doing some simple research a
• The Risks of Not Saving & Investing
  There are four major risks of not saving adequately for your future needs and goals: The likelihood of Social Security benefits not providing adequate money for a long-term, post-retirement lifestyle That your life expectancy will outpace your savings The possibility of a major unexpected life or ec
• After you've left your job there are a few important steps to take
  Open an IRA. Even if you don't have any accumulated retirement savings through your previous job, open an IRA to begin banking some savings through small or moderate lifestyle changes. . Open an IRA. Even if you don't have any accumulated retirement savings thro
• Insurance Benefits
  It can be easy to think that it’s not financially possible for your family to afford insurance. But with some work and help from the staff in your family support center you may be able to find affordable forms of insurance to provide for and protect your family’s future.. hat it’s not financially
• Step 1: Start Here
  Everyone wants to look forward to their future with confidence, but it's difficult to know how to save and invest until you know three things: How much money you currently have How much money you'll need, and What type of investments to look into given your own personal needs. This calculator is the
• Step 1: Begin Here
  Everyone wants to look forward to their future with confidence, but it's difficult to know how to save and invest until you know three things: How much money you currently have How much money you'll need, and What type of investments to look into given your own personal needs. This calculator is the
• How Long Will My Money Last?
  IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Our calculator will help you figure how long your investments will last.. IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Ou
• Reading Your Monthly Bank Statement
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• Past Debt
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• Mortgage Counseling If You're Having Trouble Paying Your Mortgage
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• In Your 60s
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• In Your 40s
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• Once You Die
  Your Social Security retirement benefits do not necessarily end upon your death. If you have enough credits from your years of working, your surviving spouse and/or dependents will receive a one-time payment of 255.. Your Social Security retirement benefits do not necessarily end upon your d
• Applying for Benefits
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• Transferring Military Homeowners to Get Expanded Assistance
  Military service members, their families, and federal Department of Defense (DoD) civilian employees who stand to lose a lot of money on the sale of their home as a result of a transfer order may be able to get some much- needed financial assistance. The U..
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  It seems obvious but the first place to start is to decide whether or not you really want to own a home. No doubt, there are definite benefits to homeownership, including: Tax benefits.. It seems obvious but the first place to start is t
• The Risks of Not Saving
  There are four major risks of not saving adequately for your future needs and goals: The impact of inflation on your savings The likelihood of Social Security benefits not providing adequate money for a long-term, post-retirement lifestyle That your life expectancy will outpace your savings The poss
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  If you have worked both as a civilian and as a member of the military you know that there are some very significant differences between military and civilian income, including paychecks. Let’s look at some of the unique factors of a military income.. If you have worked both a
• 10 Simple Steps to Start Saving Money Now
  Develop a simple, easy to implement plan with Tomorrow's Money “Personal Savings Schedule” Click here to link directly to the site’s . Develop a simple, easy to implement plan with Tomorrow's Money “Personal Savings Schedule” Click her
• 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
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  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
• Before leaving your job
  Roll over any 401(k) savings you have accumulated into an Individual Retirement Account (IRA) An IRA is an investment account you can open through a local bank branch, financial services company or mutual fund.. Roll over any 401(k) savings you have accumulated into an Individual Retire
• Condos and Co-ops
  Housing stock, meaning the type of housing available, varies across the country. In some markets, including large cities such as New York, Boston and San Francisco, cooperatives, or co-ops, are popular housing options.. Housing stock, meaning the type of housing available, varies across the cou
• Selecting and Working with an Attorney
  Estate-planning involves making numerous legally-related decisions so even though you can use do-it-yourself estate-planning kits sold online or through local business supply stores to get started, it’s wise to finish your work with an established, credible and experienced attorney. Ask friends, fam
• Your Savings and Investments in Turbulent Financial Times
  Tomorrowsmoney.org visitors are asking “what might recent events mean for my savings and investments? This article addresses concerns about some of the most common areas of concern for people who have saved and/or invested money, including: Money Deposited in Bank Accounts Money Deposited in Credit
• Capital loss
  Capital loss is the difference between the price you pay for an investment and the price you get when you sell it, when the selling price is lower. Some capital losses are tax deductible.. Capital loss is the difference between the price you pay for an investment
• Money Market Funds
  Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market funds and money market accounts are different.. Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market
• How much am I really responsible for?
  Ultimately you are responsible for taking care of your financial future. Even if you choose to use a professional financial planner, broker, tax attorney, or another financial professional, you're responsible for the decisions you make.. Ultimately you are responsible for taking care of
• Check Your Progress and Readjust as Necessary
  When Seth left his job at a graphic design firm to work as a freelance graphic artist he loved the flexibility that self-employment offered and the idea that he could be his own boss. He also enjoyed being able to set his own schedule and take on jobs that really interested him..
• 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
• If a Servicemember Dies
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• Some Questions to Ask
  When working through the decision about whether or not to purchase flood insurance, consider asking an agent the following questions: Is my home eligible to purchase flood insurance through the NFIP program? Not every home is located in an area that participates in the NFIP program, and therefore yo
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  One common reason that many people give for not purchasing disability insurance is that they believe they will receive benefits under the Social Security Disability Income (SSDI) program administered by the Social Security Administration (SSA) It is important to realize that private disability insur
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  A temporary disability can put you out of work, and without income, for a longer time then you may have savings for. Short-term disability insurance pays a percentage of your salary if you become temporarily disabled.. A temporary disability can put you out of work, and without income, for a l
• And How Would You Like to Pay for This?
  Now that you have a list of who you’re giving gifts to, what type of gifts you’re looking for and how much you’re going to spend on each gift recipient, it’s time to pause and take a quick check on your finances. Here are a few questions to ask yourself before you head out to “shop ‘til you drop” Ho
• Getting Married
  Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 25-year-old teacher earning 28,000 a year.. Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 2
• Caring for Dad
  Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago and had to be moved to a nursing home.. Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago
• Ending Financial Relationships with Ex-Spouses
  While your marriage with your ex-spouse may be over, having children means that you will most likely have to maintain a relationship with him or her, even if it’s mediated through lawyers. It’s important that you both strive to work together – fairly, openly and honestly - on issues that affect your
• Why Money Matters in Marriage
  There are few topics that can so quickly divide people as money. And while it is perfectly fine to disagree with friends, co-workers, and even family members about money, when it comes to your marriage, it’s important to be on the same page; if you can’t agree on everything related to finances you n
• Money Market Funds
  Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market funds and money market accounts are different.. Investors have been hearing about concerns for the safety of money market funds. The first thing to know is that money market
• What are Check-Cashing Stores and What Services Do They Offer?
  The concept of check cashing originated in the 1930s as a way for employees who didn’t have bank accounts to cash their payroll checks at local bars and stores. Today check cashing stores provide services for people who are reluctant to, or unaware of how to, use a bank..
• Choosing an Account
  When you find a bank that you feel comfortable using, the next step is determining what type of an account, or accounts, you would like to open. The most common types of accounts are: Checking Accounts.. When you find a bank that you feel comfortable usi
• Other Financing Options
  If you can’t pay cash for a computer, consider a few alternatives before taking on a potentially expensive loan or charging the purchase on your credit card. For example: Determine what system you would like to get and then really competitively shop both at stores in your area and online. You might
• Preparing Yourself for Unexpected Expenses
  When the crisis is past, try to set up even a small emergency fund that you add to if you have any extra money. Creating an emergency fund gives you a financial reserve to draw upon instead of having to consider getting a short-term loan the next time money gets tight.. When the crisis is past,
• Selecting a Reputable Credit Counseling Agency
  A reputable, accredited credit counseling agency may be able to provide you with the help you need to get on the road to financial recovery. However not all credit counseling agencies are alike.. A reputable, accredited credit counseling agency may be able to provide you with the help you need t
• The Link between Credit and Debt
  When you use credit – either a line of credit, or a fixed amount of credit – and do not repay the full amount immediately that is called accumulating debt. Most financial professionals refer to two types of debt – “good debt” and “bad (or unnecessary) debt..
• Closing on a Loan
  Closing, sometimes called “going to settlement, on a home is like the part of the wedding ceremony where the bride and groom exchange vows. It’s where you and the seller seal the deal! Closing on a home loan is when you sign all the papers transferring ownership of the property from the seller to th
• Where You Can Obtain Long-Term Care Insurance
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• Housing Issues and Concerns
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• Financial Issues and Concerns
  One of the top reasons that most families give for merging households is economic pressure and an inability to afford more than one household. This situation is compounded if families are suddenly faced with an additional setback such as a divorce or a family member getting ill, losing a job or beco
• Spending and Saving Decisions
  As you work through your financial goals and priorities it will become easier to reach agreement about how you will spend and save money. It seems obvious but the only way to save money is to find ways to not spend all the money you’re bringing in.. As you work through your financial goals and prior
• Review Your Income
  Once you have an idea of your regular expenses and what your income scenario is, evaluate if you have any regular, predictable income that you can dedicate to meeting your expenses. For example, do you receive alimony or child support that you can use for fixed expenses such as housing (rent or mort
• More about Debt Financing
  Although banks and financial institutions may advertise how much they enjoy lending to small businesses, do not expect to qualify for a loan without a solid business plan and some track record of success. Small business loans from banks usually have at least a 50,000 minimum because the banks canno
• Can You Afford Not To?
  You may find that starting your business is more of a necessity than a choice. If your employer closes or moves and you don’t have many other job opportunities in your area, working for yourself may be your only option.. You may find that starting your business is more of a necessity than a choi
• Reverse Mortgages
  If you are 62 or older and own your home you have access to a special type of financing that can help you turn your greatest asset – your home – into supplemental income, enabling you to meet your other financial obligations and reach important life goals. A reverse mortgage is a financial tool that
• 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
• 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
• Pros, Cons and Options for Location-Independent Jobs
  With the aid of modern technology more people than ever before are able to pursue, or consider, “location-independent” jobs – work that does not require you to be physically on-site at a specific location. Perhaps you would like to become location-independent.. chnology more people than ever before are able to
• To Buy or to Lease?
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• Giving Wisely
  Every year millions of people support nonprofit organizations to care for people in their communities, strengthen causes they feel strongly about, and reach out to people affected by disasters. Giving is a noble and generous act of caring and service.. Every year millions of people support nonprofit or
• Ways to Invest and Grow Your Savings for College Tuition
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• Dealing with Deployment
  Deployment is a stressful time for every member of the family. By taking time to talk together as a family, and separately as a couple, you can better manage both the emotional and logistical aspects of being apart from your servicemember.. Deployment is a stressful time for every member of
• Managing Your Grocery Bill When Food Prices Rise
  Climbing grocery prices have caused millions of Americans to reconsider purchases. Unfortunately, according to the US Department of Labor, food inflation is expected to continue.. Climbing grocery prices have caused millions of Americans to reconsider purchases. Unfortunately, ac
• 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
• Setting up Direct Deposit
  Direct deposit is when you choose to have payments due to you directly deposited into your bank account instead of having a paper check, money order or cash mailed to you at your workplace or home. Types of payments that you can have directly deposited into your bank account include: Paychecks Tax r
• A New Family Budget and New Financial Decisions
  In many ways, your newborn’s arrival is just the beginning. In addition to all of your child-rearing duties there are important financial decisions to make and action steps to take as well.. n’s arrival is just the beginning. In addition to all of your child-rearing duties there are important financial decisions to
• Short Sales: What They Are and Why a Homeowner Might Pursue One
  Homeowners who are pressed to make their mortgage payments – or are already behind – may consider trying a short sale as an option to letting the bank foreclose. A short sale is when a mortgage lender agrees to accept less money than the amount the homeowner owes on the loan.. d to make their mortgage
• The Importance of Opening and Acting On Your Retirement and Investment Account Statements When the Financial Markets are Volatile
  With the wild fluctuations in the financial markets Americans are, understandably, nervous to see how their own investments have fared. What do you do when your retirement or brokerage account statements come in the mail?  While it can be tempting to file them away or even toss them out, it’s actuall
• 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?
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  When considering whether to purchase earthquake insurance, consider asking an agent the following questions: If you are a California homeowner, ask if the insurance company participates in the CEA program or if the policy they offer is not affiliated with the CEA. Ask how their policy compares with
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• Mutual Funds
  Mutual funds represent a pool of money from many investors whom choose to buy a type of investment, such as stocks or bonds or a mix of both. With mutual funds, you, as the investor do not manage the money yourself, rather your money is invested by a professional money manager..
• 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
• A Widow
  Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, she had to return to the work force full-time.. Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, s
• Help If You are Concerned about Being Able to Pay Your Mortgage
  If you own your own home but still have a monthly mortgage payment that is probably one of your highest financial priorities. If you find yourself in a situation where your finances are so tight or that you have such quickly mounting debt that you are having difficulty making your mortgage payment i
• The Financial Side of Homeownership
  Buying a home is the single largest financial commitment that most people ever make. By taking some time to think about and plan how you will maintain your investment and stay current on your mortgage, you can create some good financial habits at the outset of homeownership that will pay off for yea
• The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
  The Bankruptcy Abuse Prevention and Consumer Protection Act significantly changes how, and under what conditions, individuals can file for bankruptcy. The most significant changes to bankruptcy law apply to Chapter 7 bankruptcy because under Chapter 7 debtors are able to discharge, or not have to re
• Utilities and Appliances
  Ask most people what the single largest contributor to global warming is and you’re likely to get a variety of opinions. But the answer is the production of electricity.. Ask most people what the single largest contributor to global warming is and you’re likely to get a variety of opinions. But
• Who Will Be Helped Under the Making Home More Affordable Program
  The Obama Administration’s 75 billion “Making Home Affordable” housing plan is designed to help approximately 9 million people who are at-risk for either defaulting on their mortgage loans or going into foreclosure. The plan is part of the 400 billion “bailout” package approved by Congress in Fall
• 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
• Eleven Steps Single Moms Need to Take
  Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and taking them places, responding to emails …. Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and ta
• Finding Free or Low-Cost Training to Boost Your Employability
  If you are currently out of work and looking for a job, or if you are currently employed but would like to find a different job that perhaps offers better pay and benefits, you may need to learn new skills to become a more attractive job candidate for a prospective employer. However you may not have
• When Things Change
  They say that the one thing that is constant in life is that it changes. The same is true for owning a home.. ng that is constant in life is that it changes. The same is true for owning a home. Things can change over time. Utility costs can increase. The interest rate on your mortgage can change. You need a n
• Other Factors Influencing or Affecting Your Investments
  As with most things in life, becoming an informed investor takes a little time, learning and self-education. In addition to knowing what type of investment options there are – in other words, where you can invest your money to hopefully make a return – it’s important to know how money works in an in
• Parents Dealing with their Single Adult Child’s Deployment
  Most often deployment information and support is directed to the servicemember’s spouse. But what about the single servicemember?  What happens when he/she is deployed?  After being out of the family home and living on his or her own, suddenly he or she needs family members to help with the paperwork
• Finding Money to Pay Down Your Debt
  After you have listed all your debts – credit cards, medical bills, department store bills, mortgages, car loans, etc. - you may be tempted to panic and say “But I just don’t have any money to even begin paying my debt off! Realize that you may have options you’re not aware of..
• Finding the Right Home
  What words come to mind when you think about finding a new home? Exciting? Scary? Overwhelming? The truth is that finding a new home can be all of those things. The way you feel about finding a new home can depend on why you're moving and how much time you have to find a home.. What words come to mind w
• If a Servicemember Becomes Disabled
  It is a difficult reality, but servicemembers can become disabled during their military service. It can be a physically and emotionally difficult time for the servicemember and his or her family.. It is a difficult reality, but servicemembers can become disabled during their military service. It
• Selling Your Home Part II
  Once you have decided to sell your home, and prepared it to put it on the market you have several choices to make.. Once you have decided to
• 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
• Long-Term Disability Insurance
  A long-term disability can be financially devastating. While you may be able to use personal savings to cover your expenses temporarily while not working, most people are financially unprepared to be suddenly out of work for an extended period of time, or be permanently unemployable..
• Comparing Mortgage Costs
  There are several costs associated with borrowing money to buy a home including the interest rate you’ll be charged to borrow the principal (loan amount) points, mortgage insurance closing costs and the down payment. Interest Rate One of the most important pieces of information you need from a lende
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  When you've found the home you want the next step is decide whether or not you want to make an offer, meaning that you want to tell the seller that you want to purchase the home. Making an offer is where you put pen to paper and outline exactly how much money you're willing to pay for the home and u