Monthly Newsletter
 This month's newsletter

 Life Events
 Getting Married
 GETTING MARRIED (OR DIVORCED): Some Financial Guidelines
 How To Prepare Financially For A First Marriage
 How To Prepare Financially For A Divorce
 How To Prepare Financially For Re-Marriage
 INFOSOURCES
 External Sites
 Getting Married
 Marriage and the Financial Considerations
 Planning a Wedding
 Wedding Checklist
 Registry Checklist
 Getting Divorced
 Basic Information
 Divorce Laws by State
 DivorceNet
 Divorce Online
 Divorce Source
 LIFE INSURANCE: How Much And What Kind To Buy
 Do You Need Life Insurance?
 Types of Insurance
 How Insurance Products Differ
 How to Shop for Insurance
 Shopping for a Policy
 INFOSOURCES
 Related Financial Guides
 ESTATE PLANNING: How to Get Started
 External Sites
 AARP Life Insurance
 Calculators
 Life Insurance Calculator
 FAQs
 What are the major differences in legal treatment between married and unmarried couples?
 What estate and financial planning steps are particularly important for unmarried couples?
 Do married couples need more insurance?
 If you change your name after marriage, who should be notified?
 Do I need to update my will when I get married?
 What are the tax implications of marriage?
 How can married couples hold property?
 Planning Aids
 Becoming A Parent
 BECOMING A PARENT: The Financial Considerations
 What it Will Cost You
 Birth through Infancy
 Ages One through Six
 Ages Six through Twelve
 Ages Thirteen through Eighteen
 Teaching Your Kids How to Handle Money
 Savings and Investment
 Taxes and Credit
 INFOSOURCES
 External Sites
 Adoption Information
 Child Care Search
 Foster Parent
 Improve Your Parenting Skills
 National Child Care Association
 Raising Children
 THE "NANNY TAX" RULES: What To Do If You Have Household Employees
 Who is a Household Employee?
 Can Your Employee Legally Work in the United States?
 Do You Need to Pay Employment Tax?
 State Unemployment Taxes
 Social Security and Medicare Taxes
 Federal Unemployment (FUTA) Tax
 Do You Need to Withhold Federal Income Tax?
 How Do You Handle the Earned Income Credit (EIC)?
 How Do You Make Tax Payments?
 What Forms Must You File?
 What Records Must You Keep?
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How to Minimize the Tax on the Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 LIFE INSURANCE: How Much And What Kind To Buy
 Do You Need Life Insurance?
 Types of Insurance
 How Insurance Products Differ
 How to Shop for Insurance
 Shopping for a Policy
 INFOSOURCES
 Related Financial Guides
 ESTATE PLANNING: How to Get Started
 External Sites
 AARP Life Insurance
 Calculators
 Life Insurance Calculator
 FAQs
 Raising a Child
 How much will it cost me to raise a child?
 What costs can I expect during the first year?
 How much will I spend on my child during ages one through six?
 How much will I spend on my child during ages six through twelve?
 How much will I spend on my child during ages thirteen through eighteen?
 How can I teach my kids good financial skills?
 Saving for College
 When should I start saving for my child's education?
 How much will my child's college education cost?
 How should I invest my child's college fund?
 What is the "kiddie tax"?
 What is an Education IRA and who is eligible for one?
 Planning Aids
 Preparing for College
 YOUR CHILD'S COLLEGE EDUCATION: How To Finance It
 Savings And Investment Strategies
 If You're Caught Short
 Sources of Financial Aid
 Planning Techniques
 How to Reduce Taxes
 INFOSOURCES
 Related Financial Guides
 INVESTMENT BASICS: What You Should Know
 ANNUITIES: How They Work and When You Should Use Them
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 External Sites
 Apply for Financial Aid
 Career Search
 College Credit Education Loan Program
 Criteria used to evaluate college applicants
 Select the best college
 How Do Colleges Rank?
 HIGHER EDUCATION COSTS: How To get the Maximum Deduction
 Coverdell Education Savings Accounts (Section 530 Programs)
 Qualified Tuition Programs (Section 529 Programs)
 Traditional and Roth IRAs
 Education Savings Bonds
 Education Credits
 Qualified Tuition and Related Expenses Deduction
 Employer-Provided Education Assistance
 Student Loans
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 FAQs
 When should I start saving for my child's education?
 How much will my child's college education cost?
 How should I invest my child's college fund?
 If you have insufficient savings for your child's education, what should you do?
 What types of grants are available for college?
 What types of loans are available for college?
 How can I increase the amount of financial aid my child is entitled to?
 How can I save taxes on college savings?
 Planning Aids
 Developing a Financial Plan
 YOUR FINANCIAL PLAN: Getting Started On a Secure Future
 Identify Your Goals
 Determine Your Net Worth
 Determine Your Cash Flow
 Plan to Achieve Your Goals
 Establish How Much You'll Need
 Put the Plan Into Action
 INFOSOURCES
 Related Financial Guides
 DISABILITY INSURANCE: What To Look For
 DISABILITY BENEFITS: How To Get All You're Entitled To
 CAR INSURANCE: 10 Cost-Cutters To Save You Money
 HOMEOWNERS' INSURANCE: How To Get The Best Coverage and Value
 ASSET ALLOCATION: How To Diversify for Maximum Return
 External Sites
 Social Security Administration
 Develop a Financial Plan
 A Financial Health Checkup
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 BUDGETING: How To Prepare a Workable Plan
 Step 1: Analyze Your Income And Expenses
 Step 2: Set Budgeting Goals
 Step 3: Create Your Budget
 Step 4: Review Your Adherence To The Budget
 INFOSOURCES
 Related Financial Guides
 YOUR FINANCIAL PLAN: Getting Started On A Secure Future
 YOUR RETIREMENT PLAN: How To Get Started
 SAVING MONEY: 10 Major Ways To Increase Your Nest Egg
 External Sites
 Social Security Administration
 Develop a Financial Plan
 A Financial Health Checkup
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 FAQs
 How do I determine my long-term financial goals?
 Is there any validity to financial planning "rules of thumb"?
 What do women in particular need to keep in mind with regard to financial planning?
 What special problems do unmarried couples have to be concerned with?
 Planning Aids
 Dealing with Your Bank
 BANK ACCOUNTS: What to Look and Ask For
 Comparing Types Of Accounts
 Choosing An Account
 Getting a Better Deal
 Protecting Your Account
 Using Electronic Fund Transfers
 INFOSOURCES
 External Sites
 Auto Loan Rates
 Background on Credit Unions
 Bank Financial Condition Ratings
 Consumer Reports
 Credit Card Interest Rates
 Credit Union Rates
 Federally Insured Banks
 Home Equity Loan Rates
 Money Market Rates
 Mortgages
 Savings Accounts and CD Rates
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 Types of Loans
 How to Shop for a Loan
 Comparing Loans
 INFOSOURCES
 Related Financial Guides
 REFINANCING YOUR MORTGAGE: When And How To Do It
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 MORTGAGE LOCK-INS: Questions To Ask
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 FAQs
 Bank Accounts
 What banking fees do I need to look out for when shopping for an account?
 What are the different types of bank accounts available?
 What type of account should I open?
 How should I shop for a "best buy" bank account?
 How much protection is provided by federal deposit insurance?
 How can I negotiate checking account fees with my current bank?
 What is overdraft protection and should I have it?
 What is the Truth in Savings Act?
 ATM Transactions
 How do automated teller machine (ATM) and other electronic transfer transactions work?
 What should I do if I find an error related to an electronic fund transfer or ATM transaction?
 What happens if my ATM card is lost or stolen?
 Will I be able to use my ATM card overseas?
 How will I know a pre-authorized credit (such as automatic payroll deposit) has been made?
 How do I stop a pre-authorized payment?
 Planning Aids
 Improving Your Credit
 CREDIT CARDS: How to Choose and Use Them Wisely
 Examine the Card's Terms
 Use it Wisely
 INFOSOURCES
 Related Financial Guides
 CREDIT REPORTS: What You Should Know--And Do--About Yours
 YOUR CREDIT CARD RIGHTS: What To Do If You Have A Problem
 MERCHANT CREDIT CARD ABUSES: What They Cannot Ask You To Do
 GETTING OUT OF FINANCIAL TROUBLE: Steps You Can Take
 External Sites
 ATM Locator for MasterCard
 ATM Locator for VISA
 Better Business Bureau
 Consumer Credit Information
 Credit Card Information by BankRate.com
 Credit Information from the FTC
 Equifax Credit Bureau
 Experian Credit Bureau
 Manage your credit and debt
 Online Credit Reports
 Trans Union Credit Bureau
 VISA Card
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 CREDIT REPORTS: What You Should Know and Do About Yours
 Credit Evaluation Factors
 Cosigning An Account
 Credit Limits
 Obtaining Your Credit Reports
 ECOA Designation Codes
 Fair Credit Reporting Act (FCRA)
 Finance Company Credit Cards
 Fraud
 Joint Accounts
 Name/Alias
 Putting An Explanation In Your Credit File
 Understanding Your Credit Report
 INFOSOURCES
 Related Financial Guides
 YOUR CREDIT CARD RIGHTS: What To Do If You Have A Problem
 MERCHANT CREDIT CARD ABUSES: What They Cannot Ask You To Do
 GETTING OUT OF FINANCIAL TROUBLE: Steps You Can Take
 External Sites
 ATM Locator for MasterCard
 ATM Locator for VISA
 Better Business Bureau
 Consumer Credit Information
 Credit Card Information by BankRate.com
 Credit Information from the FTC
 Equifax Credit Bureau
 Experian Credit Bureau
 Manage your credit and debt
 Online Credit Reports
 Trans Union Credit Bureau
 VISA Card
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 MERCHANT CREDIT CARD ABUSES: What They Cannot Ask You To Do
 Personal Information
 Minimum Charge Requirements
 Extra Charge for Using a Credit Card
 ID When Paying By Check
 Cards Other than the "Big Three"
 How to Complain
 INFOSOURCES
 Related Financial Guides
 CREDIT REPORTS: What You Should Know—And Do—About Yours
 GETTING OUT OF FINANCIAL TROUBLE: Steps You Can Take
 CREDIT CARDS: How To Choose—And Use—Them Wisely
 YOUR CREDIT CARD RIGHTS: What To Do If You Have A Problem
 External Sites
 ATM Locator for VISA
 Better Business Bureau
 Consumer Credit Information
 Credit Card Information
 Credit Information
 Equifax Credit Bureau
 Experian Credit Bureau
 Manage Your Credit and Debt
 Online Credit Reports
 Trans Union Credit Bureau
 VISA Card
 Calculators
 Personal Financing
 How long will it take to pay off my credit cards?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 YOUR CREDIT CARD RIGHTS: What To Do If You Have A Problem
 Prompt Credit For Payment
 Refunds Of Credit Balances
 Resolution Of Errors
 Removal Of Unauthorized Charges
 Resolution Of Disputes
 Prompt Shipment
 Protection Against Offensive Junk Mail/Junk Calls
 INFOSOURCES
 Related Financial Guides
 CREDIT CARDS: How To Choose--And Use--Them Wisely
 GETTING OUT OF FINANCIAL TROUBLE: Steps You Can Take
 CREDIT REPORTS: What You Should Know--And Do--About Yours
 MERCHANT CREDIT CARD ABUSES: What They Cannot Ask You To Do
 External Sites
 ATM Locator for MasterCard
 ATM Locator for VISA
 Better Business Bureau
 Consumer Credit Information
 Credit Card Information by BankRate.com
 Credit Information from the FTC
 Equifax Credit Bureau
 Experian Credit Bureau
 Manage your credit and debt
 Online Credit Reports
 Trans Union Credit Bureau
 VISA Card
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 GETTING OUT OF FINANCIAL TROUBLE: Steps You can Take
 Getting Started
 Credit Counseling Agencies
 Personal Bankruptcy
 Scams and Pitfalls
 INFOSOURCES
 Related Financial Guides
 YOUR CREDIT CARD RIGHTS: What To Do If You Have A Problem
 CREDIT CARDS: How To Choose--And Use--Them Wisely
 CREDIT REPORTS: What You Should Know--And Do--About Yours
 MERCHANT CREDIT CARD ABUSES: What They Cannot Ask You To Do
 External Sites
 ATM Locator for MasterCard
 ATM Locator for VISA
 Better Business Bureau
 Consumer Credit Information
 Credit Card Information by BankRate.com
 Credit Information from the FTC
 Equifax Credit Bureau
 Experian Credit Bureau
 Manage your credit and debt
 Online Credit Reports
 Trans Union Credit Bureau
 VISA Card
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 FAQs
 Credit Cards
 Which are the best credit cards?
 If someone steals my credit card, how much am I liable for?
 Are rebate credit cards a good deal?
 What is the difference between the average daily balance, adjusted balance, and previous balance?
 What can I do if I'm dissatisfied with a credit card purchase?
 What can I do if there is a mistake on my credit card bill?
 How can I get the most benefit from my credit cards?
 What restrictions and limitations can a merchant impose before accepting my credit card?
 How can I stop junk mail or telemarketing calls?
 Credit Reports
 How can I check my credit report?
 What if there is an error on my credit report?
 How can I build a credit history so that I can establish credit?
 Who can see my credit file?
 How can I decipher my credit report?
 Credit Rating
 How will a divorce or separation affect my credit?
 What factors affect my credit rating?
 Does having a credit card or using another person's credit card improve my credit rating?
 Does having a bank account improve my credit rating?
 Is my credit rating affected by where I live?
 Does my age affect my credit rating?
 How important is my debt income ratio in determining my credit-worthiness?
 Will bankruptcies or "charge-offs" affect my credit rating?
 Will delinquent child support payments affect my credit?
 Can my credit rating be negatively affected by having too much available credit?
 Financial Trouble
 How can I tell whether I have too much debt?
 What steps should I take if I get into financial trouble?
 What can I do if I am being hounded by a debt collector?
 What are my rights against banks, creditors and debt collectors?
 Loans
 What should I do if a friend or family member asks me to cosign a loan?
 How can I get the best deal on a home equity loan or an equity line of credit?
 What are the costs of obtaining a home equity line of credit?
 Should I obtain a home equity line of credit or a traditional second mortgage loan?
 How should I determine which of several loan alternatives is best?
 Planning Aids
 Choosing a Professional
 LAWYERS: How To Choose The Right One
 Decide Whether You Need a Lawyer
 Get Some Names
 Start Asking Questions
 Interview the Candidates
 Make Your Decision
 Clarify Fee Arrangements and Similar Issues
 Define Your Relationship And Stay Involved
 INFOSOURCES
 External Sites
 Attorney Finder
 Attorney Locate
 Lawyer Look-Up
 Lawyers and Legal Malpractice
 Lawyers.com
 American Association for Retired Persons (AARP)
 HMOs: How To Choose and Deal With Them
 Capitation
 Lack Of Coverage For Certain Procedures
 Need For Pre-Approvals
 Lack of Full Disclosure
 Need To Go Through A Gatekeeper
 Difficulty In Obtaining Redress
 Artificial Formulas May Dictate Your Treatment
 Second-Rate Devices
 Inadequate Mental Health
 INFOSOURCES
 External Sites
 The National Committee for Quality Assurance
 Books and Other Publications
 The HMO Survival Guide: Save Money, Play by the Rules and Get the Best Care
 The Insider’s Guide to HMOs: How to Navigate the Managed-Care System and Get the Health Care You Deserve
 Choosing and Using an HMO
 FAQs
 When should I hire a Lawyer?
 How would I handle a dispute on my own?
 How do I find a good Lawyer?
 What questions should you ask potential Attorneys?
 What legal fee arrangements are best for me?
 How can I save money on legal fees?
 Planning Aids
 Buying Insurance
 LIFE INSURANCE: How Much And What Kind To Buy
 Do You Need Life Insurance?
 Types of Insurance
 How Insurance Products Differ
 How to Shop for Insurance
 Shopping for a Policy
 INFOSOURCES
 Related Financial Guides
 ESTATE PLANNING: How to Get Started
 External Sites
 AARP Life Insurance
 Calculators
 Life Insurance Calculator
 CAR INSURANCE: 10 Cost-Cutters To Save You Money
 Comparison Shop
 Choose Your Coverage Carefully
 Consider Higher Deductibles
 Drop Collision And Comprehensive On Older Cars
 Buy A Low Profile Car
 Avoid Duplicate Medical Coverage
 Maximize Discounts
 Collect All Of The Benefits You're Entitled To
 Use Car Repair Networks
 Drive Carefully And Take Your Car Key
 INFOSOURCES
 Related Financial Guides
 YOUR NEXT CAR: Should You Buy Or Lease?
 External Sites
 Auto Discount Worksheets
 Auto Insurance - InsureMarket
 Auto Insurance Savings Quiz
 Crash Tests and Car Safety
 Independent Evaluation of Car Insurance Policies
 Insurance Institute
 Insurance News Network
 Insurance Tips - Collision Repair Industry Insight
 InsWeb: Auto Insurance
 HOMEOWNER'S INSURANCE: How To Get The Best Coverage And Value
 What Homeowners' Insurance Generally Covers
 Policy Coverage To Consider
 Shopping For A Policy
 INFOSOURCES
 External Sites
 Homeowners' Insurance
 Insurance News Network
 National Flood Insurance Program
 DISABILITY INSURANCE: What To Look For
 Planning for the Worst-Case Scenario
 Checking Up on What You Have
 Employer Provided Coverage
 Governmental Coverage
 What to Look for in a Private Policy
 Be Ready to Prove Your Income Level
 Watch Out for the "Definition of Disability"
 Waiting Period
 How Long Will Coverage Last
 Residual Benefits
 Non-Cancelable vs. Guaranteed Renewable
 Riders and Options
 Check Out Your Insurer
 Premium-Reducing Tips
 INFOSOURCES
 Related Financial Guides
 DISABILITY BENEFITS: How To Get All That You're Entitled To
 External Sites
 A. M. Best
 Disability Benefits
 Disability Insurance Costs
 Social Security Online
 Standard & Poor's Rating of Insurance Companies
 DISABILITY BENEFITS: How To Get All You're Entitled To
 General Information
 Taxation of Benefits
 Benefit Payments
 Having a Child After Benefits Start
 Reaching Retirement Age
 Eligibility for Medicare
 Changes That Can Affect Your Benefits
 How to Report a Change
 Disability Case Reviews
 Work Incentives
 INFOSOURCES
 Related Financial Guides
 DISABILITY INSURANCE: What To Look For
 External Sites
 A. M. Best
 Disability Benefits
 Disability Insurance Costs
 Social Security Online
 Standard & Poor's Rating of Insurance Companies
 LONG-TERM CARE INSURANCE: How To Get The Best Deal
 How LTCI Works
 Why Purchase LTCI
 The Pros and Cons
 Other Alternatives
 Can You Afford LTCI?
 How To Select an Insurer
 What to Look for in a Policy
 INFOSOURCES
 Related Financial Guides
 DISABILITY BENEFITS: How To Get All That You're Entitled To
 DISABILITY INSURANCE: What To Look For
 LIFE INSURANCE: How Much And What Kind To Buy
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 External Sites
 Long-Term Healthcare
 Medicaid Long-Term Care Services
 Medicare
 ANNUITIES: How They Work And When You Should Use Them
 How Annuities Work
 How Annuities Best Serve Investors
 The Various Types Of Annuities
 Choosing A Payout Option
 How Payouts Are Taxed
 How To Shop For An Annuity
 Costs, Penalties, And Extras
 INFOSOURCES
 Related Financial Guides
 INVESTING IN MUTUAL FUNDS: Time-Tested Guidelines
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 Calculators
 Investment Analysis Calculator
 How Can I Save a Million Dollars?
 Investment Yield Calculator
 Present Value Calculator
 Future Value Calculator
 Simple Savings Goal Calculator
 How Much Money Could I Save?
 What Interest Rate Would I Need?
 How Much Would I Need to Start With?
 How Much Would I Need to Save Each Month?
 FAQs
 Auto Insurance
 How can I lower my car insurance costs?
 What coverage should my auto policy include?
 How should I handle an auto insurance claim?
 Does it make sense to comparison shop for car insurance?
 How much of a deductible should I take on my car insurance?
 Is it worthwhile to maintain collision coverage on older cars?
 Does the kind of car I buy affect my car insurance?
 Does my address affect my car insurance?
 Does it make a difference if I pay my insurance annually, semi-monthly or monthly?
 What types of auto insurance discounts are available?
 Life Insurance
 How do insurance companies classify individuals for rate purposes?
 What questions should I ask my life insurance agent?
 What should I watch out for when buying life insurance?
 How do I compare the cost of several insurance policies?
 Do I really need life insurance?
 How much life insurance should I buy?
 What type of life insurance should I buy?
 Should kids have life insurance?
 How do I balance life insurance with my other investments?
 Long-Term Care Insurance
 Should I buy long-term care insurance?
 What are the alternatives to long-term care insurance?
 How much does long-term care insurance cost?
 What should I look for in a long-term care insurance policy?
 Should I comparison shop for long-term insurance coverage?
 Is it worthwhile buying "dread disease" insurance, and other types of special health insurance?
 Do I need disability insurance? How can I ensure I have adequate coverage?
 Homeowners' Insurance
 How can I get the "best buy" in homeowner's insurance?
 How much homeowner's insurance should I buy?
 How can I make sure my homeowners' insurance is adequate?
 How should I shop for a home insurer?
 How much of a homeowner's deductible should I have?
 Should I buy home and auto policies from the same company?
 Should insurance costs be a factor in the home purchase decision process?
 Should I insure the entire cost of the home including land?
 Does home security reduce insurance cost?
 Do home insurer's offer discounts for non-smokers?
 How often should I review my homeowner's policy?
 Should I buy private or governmental sponsored storm insurance?
 Annuities
 How do life annuities differ from life insurance?
 What would I use an annuity for?
 What's the down side to buying an annuity?
 What types of annuity are available?
 What are my options for collecting my annuity?
 What's the tax on payouts from a qualified plan or IRA annuity?
 Is it a good idea to buy annuities for my IRA or qualified plan?
 What's the tax on payout of an annuity bought as an investment?
 What tax must my beneficiaries or heirs pay if my annuity continues after my death?
 How should I shop for an annuity?
 What are the added or hidden costs in buying an annuity?
 Planning Aids
 Getting a Loan
 APPLYING FOR A LOAN: How to Get the Best Loan at the Lowest Cost
 Types of Loans
 How to Shop for a Loan
 Comparing Loans
 INFOSOURCES
 Related Financial Guides
 REFINANCING YOUR MORTGAGE: When And How To Do It
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 MORTGAGE LOCK-INS: Questions To Ask
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 MORTGAGE LOCK-INS: Questions To Ask
 Lock-Ins and Fees
 Locking in the Mortgage
 Escrow Accounts
 INFOSOURCES
 Related Financial Guides
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 REFINANCING YOUR MORTGAGE: When And How To Do It
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 MORTGAGE ALTERNATIVES: How To Choose The Right One
 Traditional Mortgage
 Non-Traditional Mortgage
 Buy-Downs
 Rent with Option to Buy
 Reverse Mortgage
 Some Cautions
 INFOSOURCES
 Related Financial Guides
 MORTGAGE LOCK-INS: Questions To Ask
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 REFINANCING YOUR MORTGAGE: When And How To Do It
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 REFINANCING YOUR MORTGAGE: When and How To Do It
 Who Can Benefit From Refinancing?
 How To Go About Making The Decision
 How To Determine Your Refinancing Costs
 How Would Refinancing Affect Your Tax Situation?
 Some Tips For Obtaining The Best Deal
 INFOSOURCES
 Related Financial Guides
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 MORTGAGE LOCK-INS: Questions To Ask
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 HOME EQUITY LOANS: How To Shop For The One That Is Best For You
 What Is A Home Equity Line Of Credit?
 What to Look For
 Costs Of Obtaining A Home Equity Line
 How Will You Repay?
 Line Of Credit vs. Traditional Second Mortgage
 How to Compare Costs
 The Finance Charge And The Annual Percentage Rate (APR)
 Comparing Loans
 Special Considerations For The Cost Of Home Equity Lines Of Credit
 INFOSOURCES
 Related Financial Guides
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 MORTGAGE LOCK-INS: Questions To Ask
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 FAQs
 Should I prepay my mortgage?
 When should I refinance my home?
 Should I borrow against my securities?
 What is a home equity line of credit?
 What are the costs of obtaining a home equity line of credit?
 What is an interest rate "lock-in"?
 What disclosures must a lender give you?
 What is a reverse mortgage?
 What loan interest is tax-deductible?
 What are the limitations on deductibility of loan interest?
 Is interest expense incurred for business purposes deductible?
 Is investment related interest expense deductible?
 Is interest on educational loans tax deductible?
 When can you stop paying private mortgage insurance?
 Planning Aids
 Planning for Retirement
 YOUR RETIREMENT PLAN: How To Get Started
 Estimating Your Retirement Income
 Establishing Goals For Retirement
 Deciding on Investments
 INFOSOURCES
 Related Financial Guides
 INVESTMENT BASICS: What You Should Know
 ASSET ALLOCATION: How To Diversify For Maximum Return
 INVESTING IN MUTUAL FUNDS: The Time-Tested Guidelines
 ROTH IRAs: How They Work and How To Use Them
 External Sites
 401Kafe
 401K Frequently Asked Questions
 American Association of Retired Persons
 SeniorCom
 Social Security Online
 The Retirement Net
 Calculators
 Roth IRA comparison calculator
 IRA Calculator
 Roth IRA Calculator
 IRA Deposit Calculator
 Roth IRA Deposit Calculator
 Simple Spending Calculator
 Advanced Spending Calculator
 How Long Would I Be Able to Make Withdrawals?
 What Interest Rate Would I Need?
 How Much Money Would I Need to Start With?
 How Much Money Could I Withdraw Each Month?
 ANNUITIES: How They Work And When You Should Use Them
 How Annuities Work
 How Annuities Best Serve Investors
 Choosing a Payout Option
 How Payouts Are Taxed
 How Payouts Are Taxed
 How To Shop For An Annuity
 Costs, Penalties, And Extras
 INFOSOURCES
 Related Financial Guides
 INVESTING IN MUTUAL FUNDS: Time-Tested Guidelines
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 Calculators
 Investment Analysis Calculator
 How Can I Save a Million Dollars?
 Investment Yield Calculator
 Present Value Calculator
 Future Value Calculator
 Simple Savings Goal Calculator
 How Much Money Could I Save?
 What Interest Rate Would I Need?
 How Much Would I Need to Start With?
 How Much Would I Need to Save Each Month?
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 Withdrawal While You're Alive
 Withdrawal After You Die
 Tax Planning
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 Take Everything in a Lump Sum
 Take An Annuity
 Roll Over The Distribution
 Take A Partial Withdrawal
 Do Some Combination Of The Above
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 ROTH IRAs: How They Work And How To Use Them
 How Contributions Are Treated
 How Withdrawals Are Treated
 Converting From a Traditional IRA
 Undoing a Conversion to a Roth IRA
 Withdrawal Requirements
 Use in Estate Planning
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 Calculators
 Roth IRA comparison calculator
 IRA Calculator
 Roth IRA Calculator
 IRA Deposit Calculator
 Roth IRA Deposit Calculator
 Simple Spending Calculator
 Advanced Spending Calculator
 How Long Would I Be Able to Make Withdrawals?
 What Interest Rate Would I Need?
 How Much Money Would I Need to Start With?
 How Much Money Could I Withdraw Each Month?
 THE "SIMPLE" PLAN: A Retirement Plan for the Really Small Business
 How Much You Can Put in and Deduct
 Withdrawal: Easy, but Taxable
 A SIMPLE Plan
 What's Not So Good about SIMPLEs
 How to Get Started in a SIMPLE
 Keoghs, SEPs and SIMPLEs Compared
 INFOSOURCES
 Related Financial Guides
 EMPLOYEE BENEFITS: How To Handle Them
 HOME-BASED BUSINESS: Some Basics You Should Consider
 FAQs
 Social Security Benefits
 Who is entitled to Social Security disability benefits?
 When do Social Security disability benefits begin?
 Are Social Security disability benefits taxable?
 How long do Social Security disability payments continue?
 What happens to Social Security disability benefits when I reach retirement age?
 What happens if Social Security turns down my claim for disability benefits?
 Will I receive Social Security when I retire?
 How can I find out what Social Security will pay me when I retire?
 Can I count on Social Security being around when I retire?
 Disability Insurance
 Should I purchase my own disability insurance policy?
 What does worker's compensation insurance cover?
 How much disability insurance coverage should I have?
 How is disability defined?
 When can I qualify for Medicaid?
 Long-Term Care Insurance
 Do I need long-term care insurance?
 How does long-term care insurance work?
 In a long-term care policy, what is the elimination period?
 How should I select a long-term care insurance provider?
 Planning Aids
 Buying & Maintaining a Car
 YOUR NEXT CAR: Should You Buy Or Lease?
 How Leasing Works
 Determining Your Costs
 Option Rights
 Questions to Ask Before You Sign
 Other Factors to Consider
 INFOSOURCES
 Related Financial Guides
 CAR INSURANCE: 10 Cost-Cutters To Save You Money
 External Sites
 Auto Advice
 Buying and Leasing a Car
 Buying and Selling a Car
 Car Purchasing Information
 Edmund's
 Financing Your Car
 Free Quotes
 Independent Car Ratings
 Insurance News Network
 Kelley Blue Book
 MSN's CarPoint
 Refinancing Your Car
 Calculators
 Leasing
 Simple lease calculator
 Advanced Lease Calculator
 How Much Can I Afford to Lease?
 What Interest Rate Would I Need?
 What Would My Residual Be?
 What Would My Payments Be?
 Personal Financing
 How Much Car Can I Afford?
 How Long Will it Take to Save for a Major Purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan?
 What Would My Payments Be?
 CAR INSURANCE: 10 Cost-Cutters To Save You Money
 Comparison Shop
 Choose Your Coverage Carefully
 Consider Higher Deductibles
 Drop Collision And Comprehensive On Older Cars
 Buy A Low Profile Car
 Avoid Duplicate Medical Coverage
 Maximize Discounts
 Collect All Of The Benefits You're Entitled To
 Use Car Repair Networks
 Drive Carefully And Take Your Car Key
 INFOSOURCES
 Related Financial Guides
 YOUR NEXT CAR: Should You Buy Or Lease?
 External Sites
 Auto Discount Worksheets
 Auto Insurance - InsureMarket
 Auto Insurance Savings Quiz
 Crash Tests and Car Safety
 Independent Evaluation of Car Insurance Policies
 Insurance Institute
 Insurance News Network
 Insurance Tips - Collision Repair Industry Insight
 InsWeb: Auto Insurance
 FAQs
 Buying or Leasing Your Next Car
 Should I Buy or Lease My Next Car?
 How can I get the "best buy" when buying a new car?
 How Should I Negotiate for a New Car?
 Should I negotiate on a car lease as I would on a car purchase?
 How does an auto lease work?
 What are the initial (up-front) costs of leasing a car?
 What questions should I ask about a car lease?
 Why is a security deposit required when I lease a car?
 How much can a dealer charge me at the end of an auto lease?
 What ongoing lease items must the dealer disclose?
 What is a "maintenance lease"?
 What are the typical final (lease-end) costs?
 What is a lease-purchase option?
 What is a lease early-termination option?
 What is a "capitalized cost reduction"?
 Auto Insurance
 What type of car insurance coverage should I have?
 Can I save on car insurance with a higher deductible?
 Should I have collision or comprehensive coverage on an older, low-value car?
 What's the most cost-effective way to prevent car theft?
 What features should I look for in a car alarm system?
 Planning Aids
 Buying & Selling a Home
 BUYING A HOME: What To Do And How To Do It
 Deciding How Much To Spend
 Working With Your Real Estate Agent
 Finding the Right Home
 Negotiating the Sale Price
 Arranging for the Mortgage
 Inspecting the Home
 INFOSOURCES
 Related Financial Guides
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 HOMEOWNER'S INSURANCE: How To Get The Best Coverage And Value
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 External Sites
 General
 100 Questions and Answers About Buying a New Home
 Buying Process
 Closing the Deal
 Consumer Rights in Housing Matters
 Homefair.com
 HUD Home Buying Guide
 Tips on Owning Your Home
 Financing
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 HOMEOWNER'S INSURANCE: How To Get The Best Coverage And Value
 What Homeowners' Insurance Generally Covers
 Policy Coverage to Consider
 Shopping for a Policy
 INFOSOURCES
 External Sites
 Homeowners' Insurance
 Insurance News Network
 National Flood Insurance Protection
 MORTGAGE ALTERNATIVES: How to Choose the Right One
 Traditional Mortgage
 Non-Traditional Mortgages
 Buy-Downs
 Rent with Option to Buy
 Reverse Mortgages
 Some Cautions
 INFOSOURCES
 Related Financial Guides
 MORTGAGE LOCK-INS: Questions To Ask
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 REFINANCING YOUR MORTGAGE: When And How To Do It
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 How Does a Reverse Mortgage Work?
 General Rules that Apply to Homeowners
 How Payments are Received
 Tax Rules
 Maximum Loan Amounts
 Negative Aspects
 Is a Reverse Mortgage for You?
 Other Alternatives
 How Federal Rules Help With Mortgage Shopping
 A Summary of Available Plans
 INFOSOURCES
 Related Financial Guides
 SURVIVORS BENEFITS: A Guide To This Often Overlooked Insurance Add-On
 YOUR PENSION: What You're Entitled To
 SOCIAL SECURITY BENEFITS: How To Get The Maximum Amount
 ROTH IRAs: How They Work and How To Use Them
 External Sites
 American Association of Retired Persons
 Retirement Planning and Improvement
 SeniorCom
 Social Security Online
 The Retirement Net
 Calculators
 Roth IRA comparison calculator
 IRA Calculator
 Roth IRA Calculator
 IRA Deposit Calculator
 Roth IRA Deposit Calculator
 Simple Spending Calculator
 Advanced Spending Calculator
 How Long Would I Be Able to Make Withdrawals?
 What Interest Rate Would I Need?
 How Much Money Would I Need to Start With?
 How Much Money Could I Withdraw Each Month?
 REFINANCING YOUR MORTGAGE: When and How To Do It
 Who Can Benefit From Refinancing?
 How To Go About Making The Decision
 How To Determine Your Refinancing Costs
 How Would Refinancing Affect Your Tax Situation?
 Some Tips For Obtaining The Best Deal
 INFOSOURCES
 Related Financial Guides
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 MORTGAGE LOCK-INS: Questions To Ask
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 APPLYING FOR A LOAN: How To Get The Best Loan At The Lowest Cost
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 External Sites
 Loans and Mortgages
 E-Loan
 I-Own.com
 Home Equity Loans
 Mortgages by BankRates.com
 RealEstate.com
 Housing Resources
 Consumer Information Center
 Consumer rights in housing matters
 National Center for Home Equity Conversion
 Federal Trade Commission
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 SELLING YOUR HOME: How To Do It Effectively
 Finding A Good Real Estate Agent
 Reviewing The Listing Agreement
 Speeding Up The Selling Process
 Negotiating Effectively
 Planning Your Move
 Getting Ready for the Move
 Figuring the Tax
 Notify People of Your Move
 INFOSOURCES
 Related Financial Guides
 REFINANCING YOUR MORTGAGE: When & How To Do It
 HOME EQUITY LOANS: How To Shop For The One That's Best For You
 REVERSE MORTGAGES: How They Can Enhance Your Retirement
 MORTGAGES ALTERNATIVES: How To Choose The Right One
 HOMEOWNERS' INSURANCE: How To Get The Best Coverage and Value
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 Appraisal
 Appraisal Institute
 National Association of Independent Fee Appraisers
 External Sites
 Appraisal
 Appraisal Institute
 National Association of Independent Fee Appraisers
 Inspection
 Inspect America SuperSite
 American Society of Home Inspectors (ASHI)
 Resources
 HomeGain.com
 Selling Process
 Calculators
 Personal Financing
 How much car can I afford?
 How long will it take to pay off my credit cards?
 How much do I need to save for college?
 How long will it take to save for a major purchase?
 Simple Loan Calculator
 How Much Can I Borrow?
 What Interest Rate Would I Need?
 How Long Would it Take to Pay Off a Loan
 What Would My Payments Be?
 Home Financing
 Should I refinance my home mortgage?
 What would my payments be for a fixed rate loan?
 What would my payments be for an adjustable rate loan?
 What would my payments be for a balloon loan?
 Should I rent my home or buy?
 Which loan is better, Fixed or Adjustable?
 What would I save if I make extra payments?
 How much house can I qualify for?
 How much house can I afford?
 Advanced mortgage calculator
 SELLING YOUR HOME: How To Minimize the Tax On the Gain
 Main Home
 How to Figure Gain or Loss
 Basis
 Basis Other than Cost
 Adjusted Basis
 Exclusion For Sales After May 6, 1997
 Recapture Of Federal Subsidy
 INFOSOURCES
 Related Financial Guides
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 FAQs
 Buying a Home
 How much should I spend on my next home?
 How can I find a good real estate agent when buying a home?
 Can I save money by buying a home without a real estate agent?
 How can I negotiate the lowest price when buying a home?
 Should I have the home I want to buy inspected?
 What should I watch out for when dealing with home contractors?
 How much should I expect to pay in closing costs?
 Should I Buy or Rent?
 Selling a Home
 How can I find a good real estate agent when selling my home?
 Which type of listing agreement should I enter into with the real estate agent?
 How can I speed up the sale of my home?
 How can I get the best price for my home?
 Mortgages
 How can I minimize the problems in getting a mortgage?
 How can I lock in a mortgage most effectively?
 How are escrow payments calculated?
 What should I do if my bank or other mortgage lender sells my mortgage?
 When can I stop paying private mortgage insurance?
 How can I avoid paying private mortgage insurance?
 Should I prepay my mortgage?
 When should I refinance my home?
 Should I pay off my mortgage?
 What are the different options for mortgages?
 How do I choose between low rates and low points on a mortgage?
 Which mortgage is best for me?
 Planning for Your Move
 How can I get the best deal in hiring a moving company?
 How can I minimize the problems in moving?
 Whom should I notify of a new address?
 Planning Aids
 Planning Your Estate
 ESTATE PLANNING: How To Get Started
 The Overall Picture
 Estate Tax Repeal
 Wills
 Trusts
 Post-Mortem Letters
 Living Wills
 Life Insurance
 Disclaimers
 Lifetime Gifts
 INFOSOURCES
 Related Financial Guides
 POST-MORTEM LETTER: How To Prepare It And What To Include
 LIFE INSURANCE: How Much And What Kind To Buy
 POST-MORTEM LETTER: How To Prepare It And What To Include
 What The Post-Mortem Letter Does
 What The Post-Mortem Letter Does Not Do
 How To Get The Post-Mortem Letter To Your Executors
 What The Post-Mortem Letter Should Contain
 INFOSOURCES
 Related Financial Guides
 ESTATE PLANNING: How To Get Started
 DEATH OF A SPOUSE: Financial Steps You Should Take
 FUNERALS: What To Do At This Stressful Time
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 Withdrawal While You're Alive
 Withdrawal After You Die
 Tax Planning
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 Take Everything in a Lump Sum
 Take An Annuity
 Roll Over The Distribution
 Take A Partial Withdrawal
 Do Some Combination Of The Above
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 ROTH IRAs: How they Work And How To Use Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 ROTH IRAs: How They Work And How To Use Them
 How Contributions Are Treated
 How Withdrawals Are Treated
 Converting from a Traditional IRA
 Undoing a Conversion to a Roth IRA
 Withdrawal Requirements
 Use in Estate Planning
 INFOSOURCES
 Related Financial Guides
 SELLING YOUR HOME: How To Minimize The Tax On The Gain
 HIGHER EDUCATION COSTS: How To Get The Maximum Deduction
 ANNUITIES: How They Work And When You Should Use Them
 RETIREMENT PLAN DISTRIBUTIONS: HOW To Take Them
 RETIREMENT PLAN DISTRIBUTIONS: WHEN To Take Them
 MUTUAL FUND TAXATION: How To Cut The Tax Bite
 RECORDKEEPING AND CASH FLOW: Effective Techniques
 Calculators
 Roth IRA comparison calculator
 IRA Calculator
 Roth IRA Calculator
 IRA Deposit Calculator
 Roth IRA Deposit Calculator
 Simple Spending Calculator
 Advanced Spending Calculator
 How Long Would I Be Able to Make Withdrawals?
 What Interest Rate Would I Need?
 How Much Money Would I Need to Start With?
 How Much Money Could I Withdraw Each Month?
 FAQs
 Living Trusts
 Just What is a Probate?
 What is a Living Trust?
 Do I Need a Living Trust?
 How Does a Living Trust Avoid Probate?
 Is it Expensive to Create a Living Trust?
 Is a Trust Document Ever Made Public, like a Will?
 Does a trust protect property from creditors?
 Do I need a trust if I'm young and healthy?
 Can a living trust save on estate taxes?
 Wills
 What happens if I die without a will?
 Can I just make a handwritten will if I don't have much property?
 Do I need to file my will with a court or in public records somewhere?
 Can I use my will to name somebody to care for my young children?
 What happens to my will when I die?
 What if someone challenges my will after I die?
 What instructions should I give my survivors about funeral ceremonies and the disposition of my body?
 Your Estate and Taxes
 Will my estate have to pay taxes after I die?
 Do states also impose death taxes?
 How can I minimize federal estate taxes?
 Can I avoid paying state death taxes?
 Can I just give all my property away before I die and avoid estate taxes?
 Planning Aids
 Making Charitable Contributions
 CHARITABLE CONTRIBUTIONS: How To Give Wisely
 Giving Your Time
 Mail Solicitations
 Public Education Solicitations
 Telephone, Door-To-Door, And Street Solicitations
 Sweepstakes Appeals
 Charity Thrift Stores
 Fund-Raising Dinners, Variety Shows, And Other Events
 Charity-Affinity Credit Cards
 Charity/Business Marketing
 Disaster Appeals
 Police And Firefighter Appeals
 Child Sponsorship Groups
 A Charity's National Office and Its Affiliates
 INFOSOURCES
 Related Financial Guides
 FRAUDULENT CHARITIES: How To Protect Yourself
 ADVANCED CHARITY TECHNIQUES: Maximizing Your Deductions
 External Sites
 GuideStar
 National Charities Information Bureau
 ADVANCED CHARITY TECHNIQUES: Maximizing Your Deduction
 Planned or Deferred Giving
 Types of Planned and Deferred Gifts
 Should You Make a Planned or Deferred Gift?
 INFOSOURCES
 Related Financial Guides
 CHARITABLE CONTRIBUTIONS: How To Give Wisely
 FRAUDULENT CHARITIES: How To Protect Yourself
 External Sites
 GuideStar
 National Charities Information Bureau
 FRAUDULENT CHARITIES: How To Protect Yourself
 How the States Regulate Charities
 How the IRS Regulates Charities
 How to File a Complaint
 INFOSOURCES
 Related Financial Guides
 ADVANCED CHARITY TECHNIQUES: Maximizing Your Deductions
 CHARITABLE CONTRIBUTIONS: How To Give Wisely
 External Sites
 GuideStar
 National Charities Information Bureau
 CHARITABLE CONTRIBUTIONS OF PROPERTY: Maximizing the Deduction
 Determining Fair Market Value