Financial Planning for Generation X & Y Women
 
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Online Resources

Here are a few of the many financial management websites on the Internet. These sites offer a range of resources to assist individuals in better managing their money. These resources include educational materials, articles offering financial management advice, regular updates on financial markets, and interactive financial management tools.

Topics:

Budgeting/Spending
Calculators
Credit
Debt Relief
Disaster Preparedness
Employee Benefits
Financial/Educational
Higher Education
Homeownership
Identity Theft
Investing
Personal Finance
Retirement
Saving
Student Debt/Loans
Twenty-somethings
Women

Budgeting/Spending

Texas AgriLife Extension Service - Family and Consumer Sciences (FCS) is part of the Texas AgriLife Extension Service, Texas A&M System. AgriLife Extension offers practical information for families: raising children, housing and environment, eating well, managing money, and staying healthy.

Budgeting Tools

Calculators

Choose to Save is sponsored by ASEC (the American Savings Education Council) and EBRI (Employee Benefit Research Institute).

Kiplinger.com

Debt Management Calculators

How Long Will it Take to Pay My Credit Card?

Credit

National Foundation for Credit Counseling -"The NFCC promotes the national agenda for financially responsible behavior and builds capacity for its members to deliver the highest quality financial education and counseling services." (from their website)

Bankrate provides tools and information in order to help consumers make more informed decisions about their finances. They collect information on more than 100 financial products including mortgages, credit cards, various loans, and banking fees.

Federal Trade Commission (FTC) - Protecting America’s Consumers, this government agency sponsors financial education projects that include free publications providing unbiased consumer information available for free online.

Other FTC Publications:

Debt Relief

The Federal Trade Commission (FTC) deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy and is a trusted site that has vital information for those seeking debt relief.

Money Matters:Dealing with Debt - Money Matters is an FTC website for people dealing with debt; struggling to find a job or keep their home; or trying to create a budget, save, and spend wisely. Money Matters deals with Debt Collection, Debt Relief Services, Credit Repair, Advance Fee Loans, and Vehicle Repossession.

The FTC also has information on credit and loans at FTC: Credit & Loans and tips on Fiscal Fitness: Choosing a Credit Counselor and Choosing a Credit Counseling Organization.

Better Business Bureau (BBB) - Tips on Choosing a Credit Counseling Agency.

Wi$eUp Chapter 4: Paying Down Your Debt - Gives step by step instructions on making Power Payments to help reduce the time it takes to become debt free.

Disaster Preparedness

American Institute of Certified Public Accounts (AICPA) - Financial Planning - A Guide for Disaster Preparedness

Disaster:Are You Financially Prepared? - FDIC Consumer News Winter 2005-2006

Disaster Preparedness Makes Sense for Finance Too - Information on the importance of disaster preparedness from the Financial Planning Association (FPA).

Recovering Vital Documents - Information on How to Replace Your Vital Documents

Hurricanes Katrina and Rita - Information and updates for consumers

EDEN - Texas Extension Disaster Education Network

Employee Benefits

The Employee Benefits Security Administration of the U.S. Department of Labor provides many publications and reports, including Women and Retirement Savings and Savings Fitness: A Guide to Your Money and Your Financial Future (PDF).

Financial/Educational

As part of the United States Department of Agriculture, the land-grant university system in every state, Cooperative Extension Programs offer publications, online resources, and community programs on financial and consumer education as well as a variety of other topics. Please visit the financial security website of the Cooperative State Research, Education, and Extension Service for more information.

MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education.

Kiplinger's provides financial management information targeting a broad audience with varying financial education needs. They offer information on money basics, trends, taxes, investment products, and financial news.

The American Institute of Certified Public Accountants (AICPA) is the national, professional organization for all Certified Public Accountants. Its mission is to provide members with the resources, information, and leadership that enable them to provide valuable services in the highest professional manner to benefit the public as well as employers and clients.

Higher Education

Students.gov includes resources that will assists in scholarship research and other student financial assistance programs.

My Money.Gov - Going to College is an excellent source for students and parents; and has a variety of links on getting control of finances, saving for college, tapping in to funding resources, including state funding, federal funding and scholarships.

The U.S. Department of Education has a publication called The Guide to Federal Student Aid and is loaded with practical information on how to complete a Free Application for Federal Student Aid (FAFSA) as well as other links and resources that would be useful to anyone who is interested in attending college.

IRS Publication 970 - Tax Benefits for Education explains how you can take advantage of the available tax credits and other tax benefits associated with paying college tuition.

The College Board has information on paying for college, including such tools as Financial Aid Easy Planner, calculators, scholarship search, and comparing aid awards.

Homeownership

Federal Trade Commission - The FTC deals with issues that touch the economic life of every American. It is the only federal agency with both consumer protection and competition jurisdiction in broad sectors of the economy. The FTC develops policy and creates practical and plain-language educational programs for consumers and businesses in a global marketplace with constantly changing technologies.

The FTC has many good resources on such topics as buying a home, looking for the best mortgage, mortgage servicing, home equity credit lines, home equity loans, and what to do if mortgage payments send you reeling. It also has a Real Estate Marketplace Glossary: How to Talk the Talk, which defines a host of terms consumers may encounter when they apply for a mortgage and go through the process of buying a home.

Mortgage Bankers Association Home Loan Learning Center

U.S. Department of Housing and Urban Development HUD has many good resources on such topics as talking to a housing counselor, buying a home, , rental assistance, filing a housing discrimination complaint, avoiding foreclosure and making homes affordable. One of the resources on the Making Home Affordable website is Understanding Your Mortgage Statement.

It also has several calculators, such as the buy versus rent calculator, the homeowner mortgage calculator, and the loan estimator calculator, as well as a glossary.

Is Homeownership Right for You? - Buying a home is the largest purchase most people will ever make. Homeownership has great benefits. Homeownership also comes with certain responsibilities.

Identity Theft

National Resource for Identity Theft (Federal Trade Commission)

Identity Theft (Federal Reserve Bank of Boston)

Internet Pirates Are Trying to Steal Your Information (Office of the Comptroller of the Currency)

When a Criminal's Cover Is Your Identity (Federal Deposit Insurance Corporation)

Investing

CNN Money is produced by the editors of CNN and Money magazine, CNN Money offers news and articles on financial markets and the economy. For the individual investor and consumer, the website provides online tools, tips, and related articles.

Personal Finance

Building Wealth: A Beginner's Guide to Securing Your Financial Future
Español - Cómo Crear Riqueza: Una Guía para Alcanzar sus Metas Financieras
(Federal Reserve Bank of Dallas)

Personal Financial Education (Federal Reserve Education)

Privacy Choices for Your Personal Financial Information

66 Ways to Save Money (Federal Citizens Information Center)

Retirement

Center for Retirement Research - A team at Boston College from the Center for Retirement Research gives us insight into the retirement conditions and expectations of the Baby Boomers and Generation Xers. The newly developed National Retirement Risk Index from the Center for Retirement Research measures the share of working-age households who are at risk of being unable to maintain their pre-retirement standard of living in retirement. But there is hope... read on!

EBRI is a nonpartisan research institute that has been focusing on retirement and health benefits for the past 30 years.

401k Plans Are Still Coming Up Short - Alicia H. Munnell and Annika Sunden of the Center for Retirement Research at Boston College discuss retirement benefits, specifically 401(k) and the risks people take with their retirement accounts. Are you making wi$e choices with your 401(k)?

The full report Saving for Your Golden Years: Trends, Challenges and Opportunities is available on the Department of Labor's Web site, on the Wi$eUp web site, or by calling the toll-free number (866) 444-3272.

Taking the Mystery out of Retirement Planning - This pamphlet, from the United States Department of Labor- Employment Benefits Security Administration, seeks to unravel retirement planning mysteries, and also offers positive changes that can be made today to secure a sound financial future.

Top 10 Ways to Save For Retirement - This pamphlet, from the United States Department of Labor- Employment Benefits Security Administration, outlines the Top 10 things you could be doing to prepare for your retirement. Printer friendly version.

Why Women Need Retirement Planning More Than Men Do - Outlines characteristics specific to women that make retirement planning for them uniquely different than for men.

WIFE.org - Information on how to get an early jump on retirement planning.

WISER , the Women's Institute for a Secure Retirement, is a non-profit organization wholly devoted to providing women with skills and information to improve their economic circumstances and plan for a financially sound retirement. The website offers publications and information on topics related to retirement.

The Department of Veterans Affairs Retirement Financial Literacy and Education Program is designed to educate Federal employees on the need for retirement savings and investment in order to achieve their future retirement and financial goals.

Women and Retirement Savings

Saving

The Money Links — Saving page on the Federal Citizen Information Center website has many links related to finance, including the very informative brochure 66 Ways To Save Money.

Choose to Save is sponsored by ASEC (the American Savings Education Council) and EBRI (Employee Benefit Research Institute). Choose to Save promotes saving in order to achieve financial security in retirement. This site includes a link to the Ball Park Estimator, a one page worksheet that will provide a quick estimate of how much money you will need to save in order live comfortably in retirement.

Student Debt/Loans

National Endowment for Financial Education®(NEFE®) is non-profit dedicated to helping Americans develop the skills necessary to take control of their personal finances. They primarily partner with other organizations to provide financial education to the general public with an emphasis on those populations whose financial education needs are not being addressed by others.

The Office of Financial Education of the U.S. Department of the Treasury is a leader in promoting financial education. Visit the Directory of Federal Financial Education Resources to view the wide range of programs that are conveniently organized by program name, subject area, and organization.

Consolidating Student Loans - CNN Money takes a look at the rising interest rates for consolidating student loans, and advises you to keeping an eye on changing government policies.

New Report: Student Debt Means Many New Graduates Cannot Afford to Be Teachers or Social Workers - This report from the State Public Interest Research Groups' Higher Education Project looks at the negative impact student debt has on public service career opportunities.

Quick Facts About Student Debt - Facts About Student Borrowing from The Project on Student Debt

Twenty-somethings

Twenty Something: A Guide for Being a Grown-Up - U.S. News & World Report offers a financial planning website for people in their twenties. The website covers subjects such as career building, financial tips, grad school information and other relevant topics.

Women

MsMoney - While MsMoney's information can apply to a general audience, they pay particular attention to the needs of women striving to achieve financial security. They offer a variety of innovative online tools and content covering topics such as investing, life purchases, and career.

Women's Financial Network at Siebert (WFN) provides access to financial services and information tailored to women's unique needs and interests. This website features a learning center that covers a range of financial topics. Each section includes worksheets, vocabulary, and financial management tools.

WISER , the Women's Institute for a Secure Retirement, is a non-profit organization wholly devoted to providing women with skills and information to improve their economic circumstances and plan for a financially sound retirement. The website offers publications and information on topics related to retirement.

Women in the Labor Force: A Databook - ed. 2006 - Published by the DOL Bureau of Labor Statistics

Quick Stats on Women Workers, 2008 - Statistics, from the Department of Labor-Women's Bureau, on the increasing participation of women in all aspects of the labor force.

The Women's Bureau

Women and Retirement Savings

 

 

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