Resources

On this page you will find a list of electronic resources relating to the various workshops of the Money Matters project. The online materials consist of New York Public Library internal resources, external websites, and videos used to supplement the training sessions. Below are links covering banking, credit, identity theft, investing, retirement, paying for college, insurance, and income taxes. These lists can be downloaded as Microsoft Word documents by scrolling to the bottom of the page and clicking the downward pointing arrow. Click here for a list of contacts to reach out to for financial literacy pamphlets.


Please note that while we do our best to maintain lists of active sites, occasionally the URLs change over time.


New York Public Library (NYPL) Resources


https://sites.google.com/a/nypl.org/money-matters/resources-1/tiny%20sibl.jpg


This Web site is a “one-stop shop” for library staff to 
access online financial education resources and other NYPL personal finance information including databases and books, classes and programs, and financial counseling services.


 
Science, Industry, and Business Library's 
              Money Matters Web Site:

 



ALA Money Matters Presentation






NYPL American Library 
Association Presentation
























Newsworthy Online Resources

Consumer Financial Protection Bureau's Resources: http://www.consumerfinance.gov/library-resources/resources/

Free Financial Education Publications for Libraries: http://promotions.usa.gov/cfpblibraries.html

Community Partnership Guide Book for Libraries: http://files.consumerfinance.gov/f/201406_cfpb_partner-guidebook.pdf

Tech Tools an Innovative Programs: https://cc.readytalk.com/cc/s/meetingArchive?eventId=iql8qh4e43b0

Federal Deposit Insurance Corporation, Consumers Education:  https://www.fdic.gov/consumers/education/


                       General Financial Learning - Online Resources

                                                           Websites


360 Degrees of Financial Literacy   http://www.360financialliteracy.org/   

Everything you need to understand about your finances and did not know who to ask

Consumer Financial Protection Bureau (CFPB)   http://www.consumerfinance.gov/      

Gives consumers the information they need to understand the terms of their agreements with financial companies. The CFPB was formed to protect consumers. Among other things, the CFPB enforces federal consumer financial protection laws, restricts unfair, deceptive, or abusive acts or practices, and promotes financial education.

FDIC Money Smart (English) https://www.fdic.gov/consumers/consumer/moneysmart/       

Online financial education

FDIC Money Smart (Spanish) https://www.fdic.gov/consumers/consumer/moneysmartsp/

Online financial education

Federal Reserve Bank of Chicago Consumer Resources: https://www.chicagofed.org/education/index     

Contains links to a variety of agencies and tools intended to help a Consumer navigate an increasingly complicated banking landscape.

Federal Reserve Bank of St Louis     https://research.stlouisfed.org/fred2/                                    

Economic data for all. Download graphs and track US and international data series from 80 sources

Federal Reserve Board Education  http://www.federalreserveeducation.org/        

Lesson Plans, publications, activities grades k thru 12 on topics such as personal finance, banking, money and economics

FINRA Investor Education Foundationhttp://www.finrafoundation.org/      

Financial Education Programs, Resources and Tools for all, including Military Families, students and older investors.

FINRA:   www.saveandinvest.org

Unbiased financial tools and information for all investors from the Finra Foundation.

The Investor’s Clearinghouse    http://www.investoreducation.org/      

A portal to all of the best finance and investing sites, searchable by topic of interest. Index of latest papers is visible on left hand column

Investopedia   http://www.investopedia.com/

Dictionary of all investment and financial terms. A great place to start.

Military One Source     http://www.militaryonesource.mil/

A confidential Department of Defense-funded program providing comprehensive information on every aspect of military life at no cost to active duty, National Guard, and reserve members, and their families.

Information includes, but is not limited to,deployment, reunion, relationships, grief, spouse employment and education, parenting and childhood services. It is a virtual extension to installation services.

 

NYC Office of Financial Empowerment    http://nyc.gov/html/ofe/html/home/home.shtml

Budgets, banking, loans and taxes! This site will show you ways to Get, Manage, Save, and Protect your money, provide important information about Debt and Credit, and help you find a Class or Counselor.

MyMoney.gov       http://www.mymoney.gov/     

The U.S. government’s website dedicated to teaching all Americans the basics about financial education. Whether you are buying a home, balancing your checkbook, or investing in your 401(k), the resources on MyMoney.gov can help you maximize your financial decisions. Throughout the site, you will find important information from 20 Federal agencies and Bureaus designed to help you make smart financial choices.

Social Security Administration     https://www.ssa.gov    

Web site for Social Security questions

Wi$eUp  http://www.wiseupwomen.org/           

Basic Classes in Banking, Savings and Credit concepts for Generation X and Y women.


Banking - Online Resources

Websites


Federal Deposit Insurance Corporation (FDIC)http://www.fdic.gov/

This is the Web site of the federal government agency that provides insurance for bank depositors’ accounts in the event that a bank fails. It includes information on banking and FDIC insurance.

FDIC Electronic Deposit Insurance Estimator (EDIE): https://www.fdic.gov/edie/index.html

EDIE tells users how bank insurance rules apply to their specific group of deposit accounts. The Estimator tells users what’s insured and what portion (if any) of their assets exceeds FDIC coverage limits.

Bank Accounts in the U.S.: An Overview: http://www.foreignborn.com/self-help/banking/

This Web site for foreign-born persons living in the U.S. describes the benefits of having a bank account.

Consumer Financial Rights (FDIC): http://www.fdic.gov/consumers/consumer/rights/

This Web site lists and explains Federal laws related to financial institution products and services.

National Credit Union Administration (NCUA): http://www.ncua.gov

This is the Web site of the federal government agency that provides insurance for credit union depositors’ accounts in the event that a credit union fails. It includes information on credit unions and NCUA insurance.

Take It to the Bank Guide:  http://comptroller.nyc.gov/takeit tothebank/find_a_bank.php

NYC’s Comptroller has provided a list of every possible banking option in NYC and you can search by option.

Bank Ratings for Thrift, Credit Union and National Banks (Bankrate.com): http://www.bankrate.com/rates

This Web site provides a rating search feature for banks/thrifts and credit unions. Users can search by institution name, star rating, and asset size. Web site data are updated quarterly.

ChexSystems Consumer Assistance: https://www.consumerdebit.com/consumerinfo/us/en/index.htm

This Web site contains frequently-asked questions and other data about bank accounts and the ChexSystems reporting system that provides data to financial institutions about people who have mishandled bank accounts.

Savings Calculator (Dinkytown.net): http://www.dinkytown.net/java/CompoundSavings.html

This web site features a calculator to determine estimated savings at a certain APY for a certain time period.

Seven Questions to Ask Before Opening a Bank Account (credit.com):  http://www.credit.com/life_stages

As the title implies, this Web site asks and answers a series of seven questions about opening a bank account.

Direct Express Web Site: http://www.usdirectexpress.com/edcfdtclient/index.html

This Web site explains a debit card used by recipients of recurring federal deposits (e.g., Social Security).

Social Security for Electronic Transfer Accounts: http://www.ssa.gov/deposit/lowcost.htm

This web site allows you to sign up to receive Social Security through a low cost electronic transfer account.

New York Department of Labor Unemployment Insurance Direct Payment Card:
 www.labor.ny.gov

This Web site features a series of frequently-asked questions about the use of direct payment cards.

Internal Revenue Service (IRS): http://www.irs.gov/

In the Forms and Publications section of the IRS Web site, users can obtain a W-4 form for tax withholding.

Analysis of Alternative Financial Service Providers: http://www.urban.org/publications/410935.html

This Urban Institute Web site discusses findings from a survey of non-bank financial service providers.

Financial Crimes Enforcement Network (FinCen): http://www.fincen.gov/

The FinCen Web site provides information on the detection and deterrence of financial crimes.

Federal Reserve Board: http://www.federalreserve.gov/

The “Consumer Information” section contains information about banking, credit, and mortgage topics.

Federal Reserve Bank of New York: http://www.newyorkfed.org/multimedia/index.html

This Web page contains videos and podcasts on banking and credit topics and economic indicators.

Financial Literacy and Education Commission (FLEC): http://www.mymoney.gov/

This Web site is a “one-stop shop” of financial education resources from 20 federal government agencies.

eXtension Personal Finance Web Site: http://www.extension.org/personal_finance

This web site combines the best online personal finance resources of Cooperative Extension nationwide.

Cornell Cooperative Extension: http://cce.cornell.edu/Nutrition/Pages/FinancialManagement.aspx

This Web site provides links to personal finance information available from Cornell Cooperative Extension.

Rutgers Cooperative Extension Money and Investing Web Site: http://njaes.rutgers.edu/money/.

This Web site provides links to personal finance information available from Rutgers Cooperative Extension.

Kids.gov: http://kids.usa.gov/

Kids.gov is the federal government’s official Web portal for children and includes a “money” section.

America Saves: http://www.americasaves.org/

The America Saves program encourages individuals to save money, reduce debt, and build wealth.


Videos


How to Balance a Checkbook: http://www.youtube.com/watch?v=vXsavJrK9Ng&feature=related

This 5:53 minute video describes the process of writing checks, keeping records, and reconciling transactions.



Credit 1 - Online Resources

Websites


Credit Card Information

Federal Reserve Credit Cards Consumer’s Guide: http://www.federalreserve.gov/creditcard/default.htm

This Web site contains a number of interactive tools and features, information about how to read a credit card statement, and information about credit card rules and regulations.

Consumer Action: http://www.consumer-action.org/

This Web site contains information on a variety of credit-related topics and results of periodic surveys about different types of credit and debit cards (e.g., secured card survey).

Federal Trade Commission Web Site on Lost or Stolen Credit, ATM, and Debit Cards: http://www.ftc.gov.

This Web site describes procedures for consumers to follow if their cards are lost or stolen and how much they could potentially be liable for.

Comptroller of the Currency Answers About Credit Cards: http://www.helpwithmybank.gov

This Web site contains information on a variety of credit-related topics such as balance transfers, fees, interest rates, and lost or stolen credit cards.


Credit Reports

Annual Credit Report Web Site: https://www.annualcreditreport.com

This is the central source Web site where consumers can request a free credit report under federal law from all three major credit reporting agencies: Experian, Equifax, and TransUnion.

Federal Trade Commission: How to Dispute Credit Report Errors: http://www.ftc.gov

This Web site provides a step-by-step process and a sample letter to send to credit reporting agencies to dispute erroneous information found in a credit report. 


Credit Scores

MyFICO Web Site: http://www.myfico.com

This is the Web site of Fair Isaac Corporation, the provider of FICO credit scores. It includes information about how credit scores are calculated and links for consumers to order their credit score for a fee. 

VantageScore® Web Site: http://www.experian.com/consumer-products/vantage-score.html

This Web site describes the VantageScore®, a credit score developed jointly by the three major credit reporting agencies Experian, Equifax, and TransUnion.

Whatsmyscore.org: http://whatsmyscore.org/estimator/ 

This Web site includes the FICO Score Estimator where users can get a rough estimate of their FICO score.

The Credit Score Quiz: http://www.creditscorequiz.org/

This Web site, developed by the Consumer Federation of America, contains a 21-question credit score quiz and supporting resource materials about credit scores.


Credit Resources

New York State Attorney General: http://www.ag.ny.gov/

This Web site contains information on a variety of legal topics that affect New York residents including credit laws.

FinancialPrivacyNow.org: www.consumersunion.org/campaigns/learn_more/003484indiv.html

Developed by Consumers Union, this Web site provides information on individual state credit security freeze laws.

FTC Facts: Cosigning a Loan: http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre06.pdf

This Federal Trade Commission (FTC) publication explains the process and risks of cosigning a loan.


Video


Consumer Credit and Debt: Co-Signing a Loan: http://www.youtube.com/watch?v=yte4MBtoAqg

This video uses conversations among three cartoon characters to explain the pitfalls of co-signing a loan.


 Credit 2 - Online Resources

Websites


Subprime Loan (Investopedia Definition): http://www.investopedia.com/terms/s/subprimeloan.asp#axzz22sJssTts

This one-page Web link provides a simple definition and description of subprime loans.

How Amortization Works (About.com): http://banking.about.com/od/loans/a/amortization.htm

This Web site describes how loan amortization works and includes links to online amortization calculators.

Calculators (Bankrate.com): http://www.bankrate.com/calculators.aspx

A comprehensive “calculator Web site” with calculators for credit cards, mortgages, car loans, and other topics.

Islamic Home and Business Finance in the U.S. and Canada Web site: http://ijaraloans.com/

This Web site provides an example of a commercial firm that makes loans consistent with the Islamic faith.

Repossession of Goods (New York State): http://www.bbb.org

This Web site discusses New York state laws regarding repossession of secured goods such as a car.

True Cost Credit Card Calculator (TG): http://www.aie.org

Users input a goal, a cost, a time period, and an interest rate to learn the true cost of an item purchased with credit.

Should I Rent or Buy a Home? https://www.khanacademy.org

This Web site allows users to calculate the difference between renting a property and buying a home.

Auto Lease Calculator (Edmunds.com): http://www.edmunds.com/calculators/car-lease.html

This calculator helps users calculate the monthly payment for an auto lease.

Auto Calculators (Edmunds.com): http://www.edmunds.com/calculators/

This Web site includes six calculators to help users make car loan, lease, and trade-in decisions.

Calculators Index (ABC News): http://abcnews.go.com/Business/page?id=3995759

This Web site includes dozens of calculators on a wide variety of personal finance topics.

Use Your Home to Stay at Home: National Council on Aging (NCOA): http://www.ncoa.org

This is a link to a 28-page NCOA publication that discusses how older persons can tap their home equity for income.

AARP Reverse Mortgage Web Site: http://www.aarp.org/money/credit-loans-debt/reverse_mortgages/

This link provides users with links to almost a dozen AARP publications about reverse mortgages.

Rent-to-Own Laws (eHow Money): http://www.ehow.com/info_8293227_rent-own-laws.html

This Web site describes the process and risks of rent-to-own stores and federal/state laws regarding them.

Rent-to-Own (RTO) Legislative Activity: Rent-to-Own Consumer Tipshttp://www.rtohq.org

This Web site provides six tips for consumers who are thinking about buying items from a RTO store. 

PowerPay Web Site (Utah State University Extension): www.powerpay.org

This Web site helps users set up a calendar for accelerated debt repayment by comparing debt payoff methods.

New York City Department of Consumer Affairs (DCA): http://www.nyc.gov/html/ofe/html/home/home.shtml

This is the Web site for the DCA Office of Financial Empowerment which provides financial education programs.

Counseling Sessions: National Foundation for Credit Counseling: http://www.nfcc.org

This Web site explains what happens during a typical credit counseling session and includes supporting video links.

Housing and Urban Development (HUD) Certified Housing Counselors: http://www.hud.gov/offices/hsg/sfh/hcc/fc/

Visitors to this Web site can click on a U.S. map to locate a HUD certified housing counselor in their area.

Association for Financial Counseling and Planning Education (AFCPE): www.afcpe.org

Visitors can use this site to locate an accredited financial counselor (AFC) and certified housing counselor (CHC).

Center for Financial Certifications (Institute for Financial Literacy):  http://www.fincert.org/

This Web site describes financial certifications available for financial education and counseling professionals.

National Association of Certified Credit Counselors: http://www.naccc.us/

This Web site describes the certification programs of a non-profit credentialing body for financial counselors.

National Foundation for Credit Counseling (NFCC): http://www.nfcc.org/

This Web site can help consumers locate a NFCC member agency to obtain credit counseling services.

National Institute For Financial Education (NIFE): http://www.nife-ed.com/

This Web site describes a self-study program designed for debt management credit counselors.

How FICO Credit Scores Consider a Bankruptcy (MyFICO.com, Fair Isaac Corporation): http://www.myfico.com

This “Credit Q&A” question describes how a bankruptcy filing affects a person’s FICO credit score.

U.S. Bankruptcy Court: Southern District of New York: http://www.nysb.uscourts.gov/

This is the Web site for the bankruptcy court that residents of New York City would file their cases with.

Payday Loans/Car Title Loans/Other (Consumer Federation of America or CFA): http://www.paydayloaninfo.org/

This web site provides links to CFA press releases and research studies about predatory lending practices.

New York State Department of State, Division of Consumer Protection: http://www.dos.ny.gov/consumerprotection/

This Web site provides information about using credit wisely, identity theft, scams, and related topics.

Avoiding Dangerous or ‘Predatory’ Loans: New York State Banking Department: http://www.dfs.ny.gov

This Web page describes a variety of high-cost and/or predatory loans (e.g., cash-advance loans, tax refund loans).


Video


Types of Bankruptcy: http://www.ehow.com/video_4982843_types-bankruptcy.html#ixzz1mBiwjRnz

This video features a bankruptcy lawyer who discusses various types of personal and organizational bankruptcies.

 

Identity Theft - Online Resources

Websites


FINRA: http://www.finra.org/investors 

This Financial Industry Regulatory Authority (FINRA) fact discussesphishing” and other online identity theft scams, including those related to investment fraud.

National Consumers League: http://www.fraud.org/scams/identity-theft

This online fact sheet from the National Consumers League has a good summary of recommended practices to reduce the risk of becoming an identity theft victim.

Identity Theft and Military Personnel: http://www.ftc.gov/bcp/edu/microsites/idtheft/military/

Online articles that discuss the unique identity theft risks that service members experience.

Annual Credit Report Web Site: www.annualcreditreport.com

This Web site can be used to access a credit report online, by phone, or via U.S. mail.

Federal Trade Commission (FTC) Identity Theft Affidavit: https://www.identitytheft.gov/#what-to-do-right-away

This is the link to the official FTC form that identity theft victims can use to report an identity theft crime to creditors, financial institutions, and others.

Federal Trade Commission (FTC) Identity Theft Web Site: http://www.ftc.gov/bcp/edu/microsites/idtheft/

The FTC is the federal government agency with broad authority over identity theft and has an excellent Web site that is a one-stop resource to learn about identity theft.

IRS :    www.irs.gov/identitytheft

Identity Protection: Prevention, Detection and Victim Assistance The IRS combats tax-related identity theft with an aggressive strategy of prevention, detection and victim assistance. We are making progress against this crime, but it remains one of our highest priorities. And, if you become a victim, we are committed to helping you resolve your case as quickly as possible.

National Identity Theft Victims’ Assistance Coalition:  www.identitytheftnetwork.org

This web site provides an ID Theft toolkit.

Identity Theft Resource Center:    www.idtheftcenter.org

Expert advisers are trained to provide you with one-on-one assistance for all types of identity theft.

Privacy Rights Clearinghousehttp://www.privacyrights.org/

The Privacy Rights Clearinghouse is a non-profit consumer organization that raises awareness of how technology affects privacy and has excellent resources about identity theft.


Videos


Federal Trade Commission Video: http://www.youtube.com/watch?v=OoPJImjP1ZQ

This video is one minute, 53 seconds in length. It features dozens of short statements from identity theft victims who describe their personal experiences.

Medical Identity Theft Video: http://www.youtube.com/watch?v=EePx7STsnOI

This video is 3 minutes, 17 seconds long and is a segment about medical identity theft from the television show Good Morning America.

Children’s Identity Theft Videohttp://today.msnbc.msn.com/

This video is 7 minutes, 15 seconds long and is a segment from the Today Show about the theft of children’s Social Security numbers.

Phishing Video: http://www.youtube.com/watch?v=K8lWLwuiDwk

This video is 2 minutes, 31 seconds long and is done in “whiteboard” presentation style. It describes what phishing is and how to prevent it.


Investing 1 - Online Resources

Websites


Basic Investment Concepts

Saving vs. Investing (FinancialWeb): http://www.finweb.com/financial-planning/saving-vs-investing.html

This Web page provides a good explanation of the differences between saving and investing.

Investing for Your Future (IFYF) Home Study Coursehttp://www.extension.org

IFYF is a free Cooperative Extension 11-module basic investing home study course with monthly message updates.

Kahn Academy:  https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds

Many people have investments but don't really know what they own. This home study site provides an complete education in investing and investment vehicles.

Finra: http://www.finra.org/investors/types-investments

Think of the various types of investments as tools that can help you achieve your financial goals. Each broad investment type—from bank products to stocks and bonds—has its own general set of features, risk factors and ways in which they can be used by investors. Learn more about the various types of investments.

Rule of 72 (Calculators): http://www.investopedia.com/ask/answers/04/040104.asp#axzz2345s7vD2

This Web site contains calculators to estimate the time or interest rate required for a sum of money to double.


Investment Risk and Risk Reduction

Managing Investment Risk (FINRA): http://www.finra.org

This Web site explains the different types of risks that are associated with investing.

Beginner’s Guide to Asset Allocation, Diversification, & Rebalancinghttp://www.sec.gov

The Web site provides a comprehensive overview of ways that investors can reduce inherent investment risks.

The Importance of Diversification (Investopedia): http://www.investopedia.com

This Web site provides a thorough discussion of the benefits of and methods of investment diversification.

Asset Allocation: Fix Your Mix (CNN Money): http://cgi.money.cnn.com/tools/assetallocwizard/assetallocwizard.html

Users input data about their time frame and risk tolerance and receive suggested asset allocation weightings.

Asset Allocation Calculator (bankrate.com): http://www.bankrate.com/calculators/retirement/asset-allocation.aspx

Users input data about their age, tax rate, risk tolerance and other factors to receive suggested asset allocation weightings.

Rebalance Your Portfolio to Stay on Track: http://www.investopedia.com/articles/pf/05/051105.asp#axzz2345s7vD2

This Investopedia Web page explains the benefits and process of rebalancing asset class weights in a portfolio.


Investing Resources

eXtension Personal Finance Web Page: http://www.extension.org/personal_finance

This national Cooperative Extension Web site includes frequently-asked questions and lessons on investing topics.

Better Investing (National Association of Investors Corporation): http://www.betterinvesting.org

This is the Web site of the national organization that helps people organize and maintain local investment clubs.

American Association of Individual Investors (AAII): http://www.aaii.com/

This is the Web site for AAII, a national organization that provides investment information to its members and consumers.

MyMoney.gov (Financial Literacy and Education Commission): http://www.mymoney.gov/

This Web site is a “one-stop-shop” of financial education resources from 20 federal government agencies.

Investor Education Modules (FINRA): http://www.finrafoundation.org/resources/education/modules/

This Web site contains 11 modules on topics such as key investment concepts and safeguarding investments.


Investing in Stock

Stocks (FINRA): http://www.finra.org/Investors/SmartInvesting/ChoosingInvestments/Stocks/

This FINRA fact sheet provides a comprehensive overview of features and types of common stock.

A Year by Year Look at S&P 500 Stock Market Returns Since 1973: http://moneyover55.about.com

This Web site provides historical returns on U.S. large company stocks on a year-by-year basis since 1973.

Ownership Investments (Investing For Your Future)http://www.extension.org

Unit 4 of the IFYF home study course discusses stocks, stock mutual funds, real estate and other equity assets.

Earnings Per Share-EPS (Investopedia): http://www.investopedia.com/terms/e/eps.asp#axzz2345s7vD2

This Web page provides a definition of EPS and an example of how it is calculated.

Price-Earnings Ratio (Investopedia): http://www.investopedia.com/terms/p/price-earningsratio.asp#axzz2345s7vD2

This Web page provides a definition of price-earning (P/E) ratio and an example of how it is calculated.

Tax Information: Marginal Tax Brackets (Rutgers Cooperative Extension): http://njaes.rutgers.edu/money/taxinfo/

This Web page lists federal marginal tax brackets by income ranges and tax filing status (e.g., single, married).


Investing in Bonds

Bond Rating (Investopedia): http://www.investopedia.com/terms/b/bondrating.asp#axzz2345s7vD2

This Web page defines what a bond rating is and explains the letters used by rating agencies to indicate credit quality.

Treasury Direct: http://www.treasurydirect.gov/

This is the federal government Web site for the purchase of U.S. savings bonds and Treasury securities.

What are Corporate Bonds? (Securities Industry and Financial Markets Association or SIFMA): 

http://www.investinginbonds.com/learnmore.asp?catid=5&subcatid=18&id=173

This Web page, part of a complete course on bonds, describes characteristics of corporate bonds. The entire bond course overview and links to chapters can be found at http://www.investinginbonds.com/learnmore.asp?catid=2&id=62.


Investment Returns

Investment Return Calculator (AARP): http://www.aarp.org/money/investing/investment_return_calculator/

Users can input data about their investments and receive a projection of the amount that their money will grow to.

How to Calculate Total Returns (eHow): http://www.ehow.com/how_6500173_calculate-total-returns.html

This Web page provides a description of how to calculate the return on an investment.


Investment Fraud

Avoid Investment Fraud (FINRA): http://www.finra.org/Investors/ProtectYourself/AvoidInvestmentFraud/

This Web page provides links to FINRA publications, tools, and research studies about investment fraud.

Pump and Dump Schemes (U.S. Securities and Exchange Commission): http://www.sec.gov

This Web page explains how “pump and dump” investment schemes operate.

Beware of Investment Fraud: http://www.usa.gov/topics/consumer/scams-fraud/investment.shtml

This Web page from USA.gov describes common “red flags” of investment fraud schemes. 

Elder Investment Fraud and Financial Exploitation (EiFFE): http://www.nasaa.org/1733/eiffe/

This Web site provides resources about elder fraud to help professionals identify potential victims.

How to Protect Parents from Elder Investment Fraud: http://www.kiplinger.com 

This article from Kiplinger’s Personal Finance describes how to prevent the problem of elder financial fraud.


North American Securities Administrators Association (NASAA):
http://www.nasaa.org/

The NASAA Web site can be used to locate contact information for state securities regulators.

FINRA BrokerCheck: http://www.finra.org/Investors/ToolsCalculators/BrokerCheck/

This Web site describes a free tool for investors to research the backgrounds of FINRA-registered brokerage firms and financial advisors. FINRA is the Financial Industry Regulatory Authority.

Securities Investor Protection Corporation (SIPC): http://www.sipc.org/

This Web site describes the agency that protects investors from losses from failed investment firms.


Videos


The Pros and Cons of Saving and Investing (ING Tutorial): http://www.youtube.com

This one minute, 53 second video explains investing with an analogy to a race between a tortoise and a hare.

What are Stocks? http://www.youtube.com/watch?v=JrGp4ofULzQ

This one minute, 25 second video explains characteristics of stocks and how they are bought and sold.

Elder Investor Fraud: A National Epidemic (Investor Protection Trust): http://www.investorprotection.org

This video describes the problem of elder investment fraud and common ways that older adults are defrauded.

  

Investing 2 - Online Resources

Websites


Finra: http://www.finra.org/investors/types-investments

Think of the various types of investments as tools that can help you achieve your financial goals. Each broad investment type—from bank products to stocks and bonds—has its own general set of features, risk factors and ways in which they can be used by investors. Learn more about the various types of investments.

Investing for Your Future (IFYF) Home Study Coursehttp://www.extension.org

IFYF is a free Cooperative Extension 11-module basic investing home study course with monthly message updates.

Kahn Academy:  https://www.khanacademy.org/economics-finance-domain/core-finance/stock-and-bonds

Many people have investments but don't really know what they own. This home study site provides an complete education in investing and investment vehicles.

Investing in Bonds

Finra:   http://www.finra.org/investors/bonds

To better understand bonds and bond funds, start by familiarizing yourself with some basic concepts, starting with what a bond is. You’ll also learn about bond maturity, coupon rates and how bonds are priced.

Bond Rating (Investopedia): http://www.investopedia.com/terms/b/bondrating.asp#axzz2345s7vD2

This Web page defines what a bond rating is and explains the letters used by rating agencies to indicate credit quality.

Treasury Directhttp://www.treasurydirect.gov/

This is the federal government Web site for the purchase of U.S. savings bonds and Treasury securities.

What are Corporate Bonds? (Securities Industry and Financial Markets Association or SIFMA): 

http://www.investinginbonds.com/learnmore.asp?catid=5&subcatid=18&id=173

This Web page, part of a complete course on bonds, describes characteristics of corporate bonds. The entire bond course overview and links to chapters can be found at http://www.investinginbonds.com/learnmore.asp?catid=2&id=62.


Investing in Mutual Funds


Finra:  http://www.finra.org/investors/investment-funds

Investment funds pool the money of many investors and invest according to a specific strategy. Funds come in various types, each with differing features. Generally, publicly-offered funds—such as mutual funds, exchange-traded funds, closed-end funds and unit investment trusts—must be registered with the Securities and Exchange Commission (SEC) as investment companies

Mutual Fund Prospectus (U.S. Securities and Exchange Commission): http://www.sec.gov/answers/mfprospectustips.htm

This Web page describes two types of fund prospectuses (statutory and summary) and the information that they contain.

Invest Wisely: An Introduction to Mutual Funds (U.S. Securities and Exchange Commission):  http://www.sec.gov/investor/pubs/inwsmf.htm

This Web site provides a detailed description of characteristics and types of mutual funds and mutual fund terms.

Mutual Fund Fees and Expenses (U.S. Securities and Exchange Commission): http://www.sec.gov/answers/mffees.htm

This Web site provides detailed descriptions of different types of fees/loads charged by mutual funds.

Alternative Investments- Open and Closed-End Funds: http://www.investopedia.com/exam-guide/cfa-level-1/alternative-investments/open-closed-end-funds.asp#axzz1uJ6PEFFD 

This Web page from an investment study guide describes how open- and closed-end mutual funds differ in structure.

Back-End Load (Morningstar): http://www.morningstar.com/InvGlossary/back_end_load_definition_what_is.aspx

This Web page provides a simple definition and description of back-end loads on mutual funds.

Yahoo! Finance: http://finance.yahoo.com

A comprehensive Web site for personal finance information including daily investment performance data.

Morningstar: http://www.morningstar.com

Morningstar is a Web site that provides information and performance analyses of mutual funds and other securities.

Smart Money (Wall Street Journal): www.smartmoney.com

This magazine-like Web site provides information on a wide variety of personal finance and investment topics.

Three Ways to Earn Money Through Mutual Funds (Money Made Simple): http://www.dolans.com/article/43870/3-Ways-to-Earn-Money-Through-Mutual-Funds/;jsessionid=B1AD597D7822A5AC99149F7DC9189056

This Web page describes the three ways that investors can profit from mutual funds: dividends/interest, capital gain distributions, and increased share value.

Mutual Fund Education Alliance: http://www.mfea.com/

This mutual fund trade association Web site includes fund ratings and articles on a wide variety of investment topics.

Mutual Funds Resource Center: http://www.mutualfundsresource.com/

This Web site, developed by an investment advisory firm, provides a good overview of basic mutual fund topics.

Investment Company Institute (ICI): http://www.ici.org/

This Web site of ICI, the national association of U.S. investment companies, includes investor education resources.


Investing in Exchange Traded Funds


Exchange-Traded Funds (ETFs) (U.S. Securities and Exchange Commission): http://www.sec.gov/answers/etf.htm

This Web site explains what ETFs are and how to buy them and provides dozens of links to additional SEC resources.

Definition of Exchange-Traded Fund (Investopedia): http://www.investopedia.com/terms/e/etf.asp#axzz1uJ6PEFFD

This Web page provides a description of ETFs, their characteristics, and their pros and cons.

How ETFs Differ From Mutual Funds (Dummies.com):

http://www.dummies.com/how-to/content/how-etfs-differ-from-mutual-funds.html

This Web from the popular “Dummies” book series uses a checklist to explain how these two types of investments differ.

Exchange-Traded Funds Resource Center (Investment Company Institute or ICI): http://www.ici.org/etf_resources

This ICI Web site provides background information, press releases, research reports, and resources about ETFs.


Annuities


Making Your Money Last for a Lifetime: Why You Need to Know about Annuities (The Actuarial Foundation): http://www.actuarialfoundation.org/programs/investing.shtml

This Web page provides a link for users to download a 32-page publication with basic information about annuities.

Annuities (U.S. Securities and Exchange Commission or SEC ): http://www.sec.gov/answers/annuity.htm

This Web site explains the different types of annuities and provides a link to more information about variable annuities.

Annuity Calculator (MoneyChimp): http://www.moneychimp.com/calculator/annuity_calculator.htm

This Web site helps users calculate the annual payout for an annuity using data for three variables that users input.

Annuities (Cooperative Extension Investing For Your Future (IFYF) course):

http://www.extension.org/pages/9662/investing-unit-7:-annuities

This section of the IFYF course explains immediate and deferred annuities and their payout options.

Annuities for Dummies: http://www.dummies.com/how-to/content/annuities-for-dummies-cheat-sheet.html

This Web page features a “cheat sheet” of tips for about shopping for an annuity contract and deciding on an annuity.

Annuities (Money Ultimate Guide to Retirement): http://money.cnn.com/retirement/guide/Annuities/

This Web page features information about annuities presented in a series of over three dozen questions and answers.


Investor Resources


Investor Education Modules (FINRA): http://www.finrafoundation.org/resources/education/modules/

This Web site contains 11 modules on topics such as key investment concepts and safeguarding investments.

Investing for Your Future (IFYF) Home Study Course: www.investing.rutgers.edu and http://www.extension.org/pages/10984/investing-for-your-future

IFYF is a free Cooperative Extension 11-module basic investing home study course with monthly message updates.

The 4 Ways to Buy and Sell Securities: http://www.investopedia.com/articles/basics/03/051603.asp#axzz1uNbWsmWK

This Investopedia Web page describes in detail the four main avenues for making securities transactions.

Joining an Investment Club (NOLO): http://www.nolo.com/legal-encyclopedia/joining-investment-club-30224.html

This Web page describes how investment clubs operate and required steps to start an investment club.


Finding a Financial Adviser 


Financial Planning Association (FPA): http://www.fpanet.org/PlannerSearch/PlannerSearch.aspx

Users of this Web site can use the “Find a Planner” link to find a local financial advisor who belongs to FPA.

National Association of Personal Financial Advisors (NAPFA): http://www.napfa.org/

Users of this Web site can click the “Find an Advisor” link to locate a local fee-only financial planner in their area.

Certified Financial Planner Board of Standards (CFP Board): http://www.cfp.net/

Users of this Web site can click “Find a CFP® Professional” to locate a certified financial planner in their area.

FINRA BrokerCheck: http://brokercheck.finra.org

This Web site describes a free tool for investors to research the backgrounds of FINRA-registered brokerage firms and financial advisors. FINRA is the Financial Industry Regulatory Authority.

6 Ways a Financial Planner Can Charge Fees (About.com): http://moneyover55.about.com/od/findingqualifiedadvisors/a/sixfinancialplannerfees.htm

This Web page describes the pros and cons of six different compensation models that are used by financial planners.


Investing For Retirement

Taxable vs. Tax-Advantaged Savings? Calculator: http://www.calcxml.com/do/inv07

This calculator can determine the future value of taxable and tax-deferred investments based on inputted data.

Individual Retirement Accounts (IRAs): http://www.irs.gov

This Web site contains an Internal Revenue Service (IRS) fact sheet with frequently-asked questions about IRAs.

Types of Retirement Plans (Internal Revenue Service or IRS): http://www.irs.gov/retirement/sponsor/article/0,,id=155347,00.html

This Web page includes links to over a dozen separate publications about different retirement savings plans.

Internal Revenue Service (IRS) Publication 590: http://www.irs.gov/uac/About-Publication-590

This Web page contains the contents of an IRS publication 590, Individual Retirement Arrangements. Publication 590 is a very comprehensive IRS publication about the tax aspects of various types of tax-deferred retirement savings plans.



Retirement Planning - Online Resources

Websites


Life Expectancy

Life Expectancy Calculator:  http://www.northwesternmutual.com/learning-center/the-longevity-game.aspx 

(The Longevity Game, Northwestern Mutual Insurance Company) 

Life Expectancy Calculator: http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html

(How Long Will I Live?, Wharton School) 

Life Expectancy Calculator: http://www.msrs.state.mn.us/info/Age_Cal.htmls

(Life Expectancy Calculator, Minnesota State Retirement System)

Social Security Life Expectancy Calculator: http://www.socialsecurity.gov/OACT/population/longevity.html

This calculator shows the average number of additional years that a person is expected to live based only on their age and gender. Lifestyle factors, health status, and family health history are not considered.


Retirement Planning Information and Research

Planning For a Secure Retirement: http://www.ces.purdue.edu/retirement/

This Purdue University Cooperative Extension Web site is an entire retirement planning course that is broken down into ten modules with additional links to online resources.

Center for Retirement Research: http://crr.bc.edu/

This Web site is a good source of information about retirement topics and research findings about retirement.

Retirement Confidence Survey: http://www.ebri.org/surveys/rcs/

The annual Retirement Confidence Survey, sponsored by the Employee Benefit Research Institute (EBRI), measures workers’ attitudes about retirement and trends in how people are planning for retirement.


Retirement Planning Tools

Retirement Readiness Rating (R3) Survey: http://www.ebri.org/surveys/rcs/2000/dis_rrr.cfm

The R3 survey provides a personalized assessment of how prepared people are to retire.

The Ballpark Estimate: http://www.choosetosave.org/ballpark/  

The Ballpark Estimate is a simple planning tool that provides a rough estimate of the amount of money someone needs to save to meet their retirement savings goal.

Taxable vs. Tax-Advantaged Savings Calculator: http://www.calcxml.com/do/inv07

This calculator will determine which type of investment is best for users with information about their savings amount, investment time horizon, marginal tax bracket, and other factors.

Social Security: http://www.ssa.gov/

This is the Social Security Web site home page where users can find links for forms and publications, locate a Social Security office, and obtain their benefit estimate online.


Pensions

Vesting Schedule Information: http://retireplan.about.com/od/401kplans/a/vesting.htm

This Web page describes the various types of vesting schedules where workers obtain a legal right to their employer’s contributions to a retirement savings plan.

Pension Benefit Guarantee Corporation (PBGC): http://www.pbgc.gov/

This Web site provides information about the federal government agency that guarantees certain benefits to eligible private sector workers whose employer’s defined benefit pension is not financially sound.


Tax-Deferred Retirement Plans

Individual Retirement Accounts (IRAs): http://www.irs.gov

This Web site contains an Internal Revenue Service (IRS) fact sheet with frequently-asked questions about IRAs.

Uniform Distribution Table for Required Minimum Distributions (RMDs): http://apps.finra.org/calcs/1/rmd

This online calculator allows you to  determine your Required Minimum Distribution (RMD) from a traditional 401(k) or IRA.


Paying for College - Online Resources

Websites



College Costs

College Data: http://www.collegedata.com/cs/content/content_payarticle_tmpl.jhtml?articleId=10064

This Web site by Collegedata provides information about college costs, selection, and admission.

College Savings Calculator (The College Board): https://bigfuture.collegeboard.org


This Web site contains an online calculator that asks a series of questions to determine the cost of college.


College Savings Calculator (FINRA): http://apps.finra.org/Calcs/1/CollegeSavings


This Web site contains an online calculator that asks a series of questions to determine the cost of college.


Know Before You Owe (CFPB): http://www.consumerfinance.gov/students/knowbeforeyouowe/  


This Web site provides information about an initiative to clearly disclose college education costs.


College Board (Net Price Calculator and more):
https://bigfuture.collegeboard.org/pay-for-college/tools-calculators


This Web site contains many means to determine how much college will cost and ways to cover those costs.



Value of College Education


Value of a College Degree (New York Times): http://www.nytimes.com

This New York Times article reports the findings of studies about the economic value of a college degree.

Bureau of Labor Statistics Wage Data: http://www.bls.gov/bls/blswage.htm


This Web site provides wage data by state and region to help students find out what their future earnings might be.



College and Work


Balancing Work and College: http://www.scholarships.com/resources/campus-life/balancing-work-and-college/


This Web site discusses the trade-offs that students make in juggling college courses and jobs to pay for college.


The Impact of Student Employment: http://www.aaup.org/article/understanding-working-college-student#.VWTXsM9VhH4


This Web site discusses research about relationships between students’ employment hours and college grades.



College Planning Errors


Top Ten College Application Mistakes (ACT Inc.): http://www.actstudent.org/college/mistakes.html

This Web site provides a list of common errors that people make in applying to colleges.

College versus Retirement Savings

Tough Choices: Retirement versus College: http://www.savingforcollege.com/tutorial101/tough_choices.php

This Web site discusses this common savings dilemma and recommends retirement as the priority savings goal.


College Planning and Saving

Smart Saving for College-Better Buy Degrees (FINRA): http://www.finra.org  

This Web link goes to a 26-page publication that discusses college planning and available savings vehicles.


FAFSA (Free Application for Federal Student Aid) Form

FAFSA Web Site: http://www.fafsa.ed.gov/

This Web site provides information about filing the federal FAFSA form to apply for student financial aid.

FAFSA4Caster: www.fafsa4caster.ed.gov

This Web site helps students and their parents estimate eligibility for federal student aid.


Student Loans

Subsidized and Unsubsidized Loans (StaffordLoan): http://www.staffordloan.com


This Web site describes the differences between the two types of college loans and maximum borrowing amounts.

Federal Perkins Loan Program: http://www2.ed.gov/programs/fpl/index.html

This U.S. Department of Education Web site describes the purpose and guidelines for this student loan program.

PLUS Loans: Federal Loan for Parents: http://www.parentplusloan.com/

This Web site describes characteristics of PLUS loans that are available to parents and graduate students.

Student Debt Repayment Assistant (Consumer Financial Protection Bureau): http://www.consumerfinance.gov


This Web site provides personalized student debt repayment information for users who answer a series of questions.


Federal Student Aid Repayment Estimator:  https://studentloans.gov/myDirectLoan/mobile/repayment/repaymentEstimator.action


Use the repayment estimator when you are beginning repayment of your federal student loans, or when you are exploring repayment options based on your income.

Federal Student Aid: Forgiveness, Cancelation and Discharge

https://studentaid.ed.gov/repay-loans/forgiveness-cancellation/charts/public-service

The information below describes the Public Service Loan Forgiveness (PSLF) Program. It includes the eligibility requirements and the process for tracking your progress toward qualifying for PSLF Fact Sheet

Report Fraud: Student Loan Fraud (stopfraud.gov): http://www.stopfraud.gov/report.html

This Web site includes contact information to report various types of fraud including student loan fraud.


College Tax Information

Tax Benefits For Education Information Center (IRS): http://www.irs.gov/newsroom/article/0,,id=213044,00.html  

This IRS Web page describes tax credits, deductions, and exclusions from income related to college expenses.

IRS Publication 970: Tax Benefits For Education: http://www.irs.gov/publications/p970/index.html

This Web site provides the content of a comprehensive IRS publication on tax benefits related to education.



Student Financial Aid

FinAid: www.finaid.org

This Web site is a comprehensive one-stop resource for information about college financial aid and savings plans.

Federal Student Aid (U.S. Department of Education): www.studentaid.ed.gov

This Web site provides information about types of financial aid, qualifications for aid, and the application process.

Peterson’s: http://www.petersons.com

This Web site provides searchable information about specific colleges and their costs and financial aid programs.

College Navigator (National Center for Education Statistics): http://nces.ed.gov/collegenavigator/

This Web site provides searchable information about specific colleges and their costs and financial aid programs.

New York State Higher Education Services Corporation: http://www.hesc.ny.gov/

This Web site provides college planning, saving, and financial aid information for New York state residents.


College Savings Plans

The Advantages and Disadvantages of 529 Education Plans: http://www.asktaxguru.com

This Web site provides perspectives on both the pros and cons of saving for college with 529 plans.


529 Plan Details (savingforcollege.com): http://www.savingforcollege.com/529_plan_details/

This Web site has a U.S. map that enables users to find details about various state 529 college savings plans.

An Introduction to 529 Plans (U.S. Securities and Exchange Commission):  http://www.sec.gov

This Web page contains a fact-filled fact sheet about features of 529 college savings plans

College Savings Plans Network: http://www.collegesavings.org

This Web site provides data about 529 plans and helps users compare 529 plans by feature and by state.

Coverdell Education Savings Account (ESA): http://www.irs.gov/publications/p970/ch07.html

This IRS fact sheet describes the contribution limits and tax advantages of Coverdell ESAs.

Coverdell ESA Calculator: http://www.calcxml.com/calculators/coverdell-esa  

This Web site contains information about Coverdell ESAs and a calculator to determine the future value of savings.

UGMA (Uniform Gifts to Minors) and UTMA (Uniform Transfers to Minors) Custodial Accounts: http://www.finaid.org

This Web site describes the features of UGMA/UTMA accounts and their potential impact on student financial aid.


Military Benefits for College

Getting Your Degree (Military.com): http://www.military.com/education

This Web site describes available educational benefits for service members and how to apply for them.

G.I. Bill and Tuition Assistance: http://usmilitary.about.com/od/gibillandta/G_I_Bill_and_Tuition_Assistance.htm

This Web site provides links to dozens of resources pertaining to educational benefits for service members.

The GI Bill Web Site (U.S. Department of Veterans Affairs): http://www.gibill.va.gov/

This is the official “one stop” U.S. government Web site about educational benefits for veterans.


Catch-Up College Saving Strategies

College Savings Catch-Up Strategies (National Endowment for Financial Education): www.smartaboutmoney.org

This Web site provides a list of five strategies to consider when time available to save for college is limited.


Video


New York’s 529 College Savings Program: http://www.osc.state.ny.us/college/index.htm

This video discusses the attractive features and tax benefits of the New York State 529 college savings plan.

                                             
                                            Insurance - Online Resources

Websites


Insurance Information

New York State Department of Financial Services: http://www.dfs.ny.gov/insurance/dfs_insurance.htm

This Web site has information and forms related to health, life, and property insurance and insurance fraud topics.

Insurance Information Institute: http://www.iii.org/

This Web site has information about a variety of insurance topics including how to make a claim and flood insurance.


Disability Insurance

Who Needs Disability Insurance? http://www.lifehappens.org/insurance-overview/disability-insurance/

This Web site provides a wealth of information about disability insurance such as who needs it and where to buy it.

New York State Worker’s Compensation Board: http://www.wcb.ny.gov/content/main/Workers/Workers.jsp

This Web site explains worker’s compensation insurance and the process for filing a claim after an injury on the job.

New York State Disability Insurance: http://ww3.nysif.com/DisabilityBenefits.aspx

This Web site explains temporary cash benefits for eligible wage earners disabled by an off-the-job injury or illness.

Social Security Disability Insurance: http://www.ssa.gov/disability/

This Web site provides information about qualifications to receive Social Security disability and how to apply for it.


Life Insurance

Life Insurance Needs Calculator: http://www.lifehappens.org/life-insurance-needs-calculator/

This online calculator helps people determine how much life insurance they need based on personal variables.

Evaluate Life Insurance (Consumer Federation of America): http://www.evaluatelifeinsurance.org/

This Web site describes a resource for evaluating the rate of return on a cash value life insurance policy.


Auto Insurance

Consumer Guide to Automobile Insurance (NY Department of Financial Services):  http://www.dfs.ny.gov

This Web site contains the content of a publication about auto insurance.

Car Insurance Basics (Insure.com): http://www.insure.com/car-insurance/basics.html

This Web site discusses seven key components of auto insurance policies and insurance terminology.


Public Health Care Benefits: Medicare, Medicaid, and Veterans Benefits

Medicare Web Site (Centers for Medicare and Medicaid Services): http://www.medicare.gov/

This is the official U.S. government Medicare Web site and includes links for information and online search tools.

Medicaid Web Site: http://www.medicaid.gov/

This Web site describes features of Medicaid, eligibility requirements, and how to sign up for benefits.

HealthCare.gov (U.S. Department of Health and Human Services): http://www.healthcare.gov/

This Web site provides information on a wide variety of health finance issues including insurance and health care laws.

Health Care Benefits for Veterans (U.S. Department of Veterans Affairs): http://www.va.gov/

This Web site is a chapter about health benefits from a handbook for veterans, dependents, and survivors.


Health Insurance in New York State

New York State Health Insurance Programs: http://www.health.ny.gov/health_care/

This is a one-stop source of information about New York health insurance programs such as Child Health Plus (a health insurance program for income-eligible children) and the Age 29 Dependent Coverage Extension.

Medicaid in New York State (New York State Department of Health): http://www.health.ny.gov/health_care/medicaid/

This Web site is a one-stop resource for questions about the Medicaid program administered by New York State.


Miscellaneous Health Insurance Resources

Health Savings Accounts and Other Tax-Favored Health Plans: http://www.irs.gov/publications/p969/index.html

IRS publication 969 discusses HSAs and three other types of tax-advantaged plans to save for health care expenses.

U.S. Department of Health and Human Services: http://www.hhs.gov/

The official HHS Department Web site includes information about its programs, current events, and health topics.

Affordable Care Act Web Site (Consumer Reports): http://www.consumerreports.org

This Web site includes downloadable articles that describe implications of the Affordable Care Act upon consumers.

AARP Health Law Guide: http://healthlawguide.aarp.org/

This Web site is designed to help people find health care resources tailored to their needs. Site users answer a series of questions about their family characteristics and current health coverage and receive a personalized report about how the Affordable Care Act (ACA) impacts them. Links to relevant ACA resources are also provided.

Health Insurance Glossary: http://www.healthinsurance.org/glossary/category/a/

This Web site provides an easily searchable comprehensive glossary of health insurance terms.


Long-Term Care Insurance

Long Term Care (LTC) Information (Department of Health and Human Services): http://www.longtermcare.gov

This Web site discusses types of long-term care services, how much they cost, and how to plan ahead for LTC needs.

American Association for Long-Term Care Insurance: http://www.aaltci.org/long-term-care-insurance/

This Web site has a comprehensive “Learning Center” that discusses long-term care services in depth and includes a no-obligation quote service from association members.

Care Cost Calculator (National Advisory Center for LTC Insurance): http://www.longtermcareinsurance.org/

The calculator shows the average cost of long term care in an area to help users determine savings or insurance needs.

Long-Term Care Insurance Web Site (New York Partnership for Long-Term Care): http://www.planaheadny.com/

This Web site for the “Plan Ahead NY” program contains information and links to resources about long-term care.


Saving Money on Insurance

Insurance Premium Quote Website

: www.insure.com


Insurance Premium Quote Website

: www.insweb.com



Insurance Premium Quote Website:

www.lowerratequotes.com



These Web sites are examples of available commercial resources that provide insurance premium quote services.


Insurance Resources for Military Families

National Association of Insurance Commissioners: http://www.naic.org/consumer_military_insurance.htm

This Web site discusses insurance topics from the perspective of the unique needs and concerns of military families.

Life Insurance (U.S. Department of Veterans Affairs): http://www.insurance.va.gov

This Web page discusses service members’ and veterans’ group life insurance and how to apply for coverage.

U.S. Department of Veterans Affairs (VA): http://www.va.gov/

This is the VA Department home page and includes information about a variety of programs for military veterans.

New York City Mayor’s Office of Veterans’ Affairs: http://www.nyc.gov/html/sbs/wf1/html/about/veterans.shtml

This Web site describes the Workforce 1 Veterans Career Center and other NYC programs and benefits for veterans.


General Insurance Resources

Consumer Action Handbook (click on the Insurance link): www.usa.gov

The Consumer Action Handbook is a comprehensive resource on a wide variety financial topics including insurance.

Insurance Information Institute: www.iii.org

This Web site contains information on a variety of insurance topics including coverage related to natural disasters.

Glossary of Insurance Terms (A.M. Best): http://www.ambest.com/resource/glossary.html

This Web site provides an easily searchable comprehensive glossary of insurance terms.


Insurance Company Ratings

Best’s Credit Ratings (A.M. Best Company): http://www3.ambest.com/ratings/default.asp

This Web site provides information about how A.M. Best rates the financial strength of insurance companies.

Weiss Ratings: http://www.weissratings.com/

This Web site provides information about how Weiss Ratings evaluates the financial strength of insurance companies.


Insurance Fraud

National Insurance Crime Bureau: https://www.nicb.org/

This Web site contains a service to check vehicle identification numbers (VINs) and information about fraud topics.

New York Department of Financial Services: http://www.dfs.ny.gov/insurance/frauds/fd7repoc.htm

This Web page includes information about insurance fraud and how to report investment fraud.


Videos


Insurance Fraud Video (CBS Evening News): http://www.cbsnews.com

This three minute, 18 second video is a television news segment about how auto insurance fraud is committed.

Know It to Stop It (New York Alliance Against Fraud): http://www.fraudny.com/insurance-fraud-video

This six-minute video describes various types of insurance fraud, how they are committed, and their total cost.

Auto Insurance Fraud: How It Is Done (NY Alliance Against Auto Insurance Fraud): http://nysaif.org

This Web site includes a series of short videos that illustrate different ways that auto insurance fraud is committed. 


  
Income Taxes - Online Resources
Websites


Income Tax Information

Internal Revenue Service (IRS): http://www.irs.gov/

This is a go-to Web site for federal income tax information, publications, forms, tools, and tax filing. An especially helpful reference is IRS Publication 17, Your Federal Income Tax: http://www.irs.gov/publications/p17/index.html.  

New York State Department of Taxation and Finance: http://www.tax.ny.gov/

This is a go-to Web site for New York State income tax information, publications, forms, tools, and tax filing.

New York City Finance: http://www1.nyc.gov/site/finance/taxes/taxes.page

This is a go -to Web site for New York City tax information.


Tax Withholding

Paycheck City: http://www.paycheckcity.com/

The interactive calculators on this site can tell users how much income tax will be deducted from their income.

Your Money Page: Financial Calculators: http://www.yourmoneypage.com/withhold/ny.php

This Web page includes an online calculator to determine federal and New York payroll tax withholding.

New York State Department of Taxation and Finance Withholding Tax Forms: http://www.tax.ny.gov

This Web page includes links for New York State tax withholding forms and accompanying instructions for them.


Tax Terminology

10 Key Tax Terms to Know (Bankrate.com): http://www.bankrate.com/finance/taxes/10-key-tax-terms-to-know-1.aspx

This Web page provides clear definitions of tax terms such as AGI, tax credits, and tax deductions.

Tax Terms Glossary TurboTax): http://turbotax.intuit.com

This Web site provides an easily searchable comprehensive glossary of tax terms organized in alphabetical order.

Taxes Terms (Investopedia): http://www.investopedia.com/categories/taxes.asp?page=2#axzz2BMmdXRMM

This Web site provides an easily searchable comprehensive glossary of tax terms organized in alphabetical order.


Tax Deductions

Payroll Deductions Calculator (Dinkeytown.net): http://www.dinkytown.net/java/Payroll.html

This Web page provides a payroll deductions calculator based on variables such as anticipated itemized deductions.


Small Business Income Tax Information

Small Business and Self-Employed Tax Center (IRS): http://www.irs.gov/Businesses

This Web site is a “one-stop” source of tax information for small businesses with articles, tax forms, and more.

State Government Small Business Web Sites: http://www.irs.gov/Businesses/Small-Businesses

This Web site provides links to state-specific income tax information for small business owners.

U.S. Small Business Administration: http://www.sba.gov/content/business-structure-and-tax-implications

This Web site provides information about different types of business structures and their required tax obligations.


Tax Credits


This Web site explains the difference between tax deductions and tax credits.

National Earned Income Tax Credit Outreach Campaign: http://eitcoutreach.org/

This Web site contains information about the EITC and links to EITC outreach campaign materials.

EITC Assistant Fact Sheet (IRS): www.irs.gov/individuals/article/0,,id=130102,00.html

This Web site describes the IRS “EITC Assistant” tool to help users find out if they are eligible for the EITC.

New York City Earned Income Tax Credit: http://www.nyc.gov/html/ofe/html/policy_and_programs/eitc.shtml

This Web site describes the features and criteria of the New York City earned income tax credit.

Income Tax Credits (About.com): http://taxes.about.com/od/Tax-Credits/Income-Tax-Credits.htm

This Web page contains links to additional information about nine different federal income tax credits.


Tax Assistants and Calculators

Alternative Minimum Tax (AMT) Assistant for Individuals (IRS): http://www.irs.gov/businesses/small

The AMT Assistant contains a few short questions to help users determine whether or not they have to pay the AMT.

Earned Income Tax Credit (EITC) Assistant: http://www.irs.gov/individuals/article/0,,id=130102,00.html

The EITC Assistant contains questions to help users determine whether or not they are eligible for the EITC.

Withholding Calculator (IRS): http://www.irs.gov/Individuals/IRS-Withholding-Calculator

This calculator helps employees determine whether they have too much or too little tax withheld from their pay.

Online Employer Identification Number (EIN) Application Web Site (IRS): http://www.irs.gov/businesses/small/article

This Web site enables small business owners to obtain an EIN online after answering a series of questions.

Your Filing Status (About.com): http://taxes.about.com/od/filingstatus/qt/FilingStatus.htm

This Web site describes the five different tax filing status categories for federal income tax returns.


New York Income Tax Information

New York Personal Income Tax: http://taxes.about.com/od/statetaxes/a/New-York-income-taxes.htm

This Web site describes New York state income tax rules including tax rates and tax deductions and credits.

New York City Income Tax Credit Information: http://www.tax.ny.gov/pit/credits/new_york_city_credits.htm

This Web site describes various types of tax credits that are available for New York City residents.


Tax Problems or Issues

Taxpayer Advocate Service (IRS): http://www.irs.gov/uac/Taxpayer-Advocate-Service-6

This Web page contains over a dozen links about an IRS office that helps taxpayers resolve problems with the IRS.

New York State Taxpayer Advocate: http://www.tax.ny.gov/tra/

This Web page helps users access services from the Office of the New York State Taxpayer Advocate.


Tax Audits and Record-Keeping

How Long to Keep Financial Records (Bankrate): http://www.bankrate.com/finance/personal-finance

This Web site has a helpful “Financial Records Timeline” chart that tells how long documents should be stored.


Tax Preparers

Tax Professionals (IRS Circular 230): http://www.irs.gov/Tax-Professionals/Circular or http://www.irs.gov/taxpros

This IRS Web page provides links to over a dozen IRS publications about tax preparers including enrolled agents.

Volunteer Income Tax Assistance (VITA) Program: http://www.irs.gov/Individuals/Free-Tax-Return-Preparation-for-You-by-Volunteers
The Volunteer Income Tax Assistance (VITA) program offers free tax help to people who generally make $53,000 or less, persons with disabilities, the elderly and limited English speaking taxpayers who need assistance in preparing their own tax returns


Tax Fraud

Don’t Fall Prey to the 2015 Dirty Dozen Tax Scams: http://www.irs.gov/uac/Newsroom

This IRS article describes twelve common income tax scams and how they occur.


Educational Resources About Income Taxes

Understanding Taxes Curriculum (IRS): http://www.irs.gov/app/understandingTaxes/student/whys_thm04_les02.jsp

This Web site has separate portals for students and teachers who can access educational content about income taxes.

Free Online Income Tax Course (The Tax College™): http://www.thetaxcollege.com/

This Web site describes an online income tax course that is targeted toward professional tax preparers.

Link and Learn e-Learning Income Tax Course (IRS): http://www.irs.gov/app/vita/

This IRS course is used to train volunteer income tax preparers for the Volunteer Income Tax Assistance Program.

Understanding Taxes Student Site (IRS): http://apps.irs.gov/app/understandingTaxes/student/index.jsp

This Web site contains 38 student lessons divided into two content areas: the hows and the whys of income taxes.

Haven’t Filed a Tax Return in Years?:  http://www.naea.org/newsroom

This Web site explains what people should do if they haven’t filed past returns and should have.

                                                                                

Videos

Your Guide to an IRS Audit (IRS): www.irsvideos.gov/audit/

This Web site contains a series of 10 short videos that discuss topics related to the IRS tax audit process. The Appeals Examination Process (IRS): http://www.youtube.com/watch?v=1ZSI1RsIRG0 This nine-minute video provides an explanation of the IRS appeals process used to resolve tax issues.


Living on the Financial Edge - Online Resources

Websites


General Personal Finance

Golden Girl Finance: http://www.goldengirlfinance.ca/articles/

This Web site contains personal finance articles for women about saving money and other topics.

Personal Resiliency Assessment Quiz: http://njaes.rutgers.edu/money/resiliency/

This 20-question quiz helps users assess their financial,  social and community, and personal resiliency resources.


Jobs and Employment

Career Builder: http://www.careerbuilder.com/

This Web site provides information about various categories of careers and information about job searching.

Career One Stop: www.CareerOneStop.org

This Web site from the U.S. Department of Labor provides information about jobs, salaries, resumes, interviews, etc.

American Job Center: http://jobcenter.usa.gov/

This federal government Web site provides information and tools to help job seekers find employment.


Jobs and Employment for Veterans

Vow to Hire Heroes Act 2011: http://benefits.va.gov/vow/

This Web site provides information about a job assistance and training program for service members.

Operation PAVE: Paving Access for Veterans Employment: www.pva.org/site

This Web site describes a program that provides vocational assistance and support to veterans and their families (Paralyzed Veterans of America.

National Resource Directory: Service-Disabled Veteran’s Insurance: www.nrd.gov/benefits_and_compensation

This Web page contains links for information about disabled veterans insurance and VA benefits in general. Topics covered in the Web site include education and training, employment, and housing.


U.S. Savings Rates

Many Americans Have No Emergency Fund: http://www.usatoday.com/story/money

This 2015 article presents research findings about the number of Americans with an adequate emergency savings fund.


Unemployment Insurance

New York Department of Labor: Online Services: https://ui.labor.state.ny.us/UBC/index.jsp

This Web page allows New York residents to access their unemployment insurance benefits online.

New York Department of Labor: How to File a Claim for UI Benefits: www.labor.state.ny.us

This Web page describes how New York residents can file for unemployment benefits online or by phone and the things that they need to file a claim (e.g., Social Security number, names and addresses of employers during last 18 months).


Federal Government Public Health Insurance Programs and Laws

Medicare: www.medicare.gov

This is the official U.S. government Medicare Web site to help people find health and drug plans and other information.

Medicaid: www.medicaid.gov

This is the official U.S. government Medicaid Web site to help people find information about Medicaid in their home state.

Veteran’s Administration: VA Health Care Benefits: www.va.gov/opa/publications/benefits_book/benefits_chap01.asp

 This U.S. Veterans Administration Web site contains information about VA medical benefits and benefit eligibility.

U.S. Department of Health and Human Services: www.healthcare.gov

This Web site provides information about finding health insurance, health care legislation, and related topics.

U.S. Department of Labor: Continuation of Health Coverage-COBRA: http://www.dol.gov/dol

This Web site provides information about the federal COBRA  law that allows eligible workers and their families who lose health benefits the right to choose to continue group health insurance at their own expense for a designated period of time.

Lost Your Job? COBRA Lets You Keep Your Health Insurance: http://careerplanning.about.com/cs/legalissues

This Web site provides information about federal COBRA law eligibility, costs, and benefits.


New York Health Insurance Programs and Laws

New York State Department of Health: Medicare Savings Program: http://www.health.ny.gov

This Web site provides information about programs that help eligible seniors pay their Medicare premiums.

New York State Department of Health: Health Insurance Programs: http://www.health.ny.gov/health_care/

This Web site provides a comprehensive list, with links, to dozens of health insurance related topics. One of the links describes the “Age 29” Dependent Coverage Extension: http://dfs.ny.gov/consumer/faqs/faqs_S6030_Age29_young.htm  


Housing, Food, and Health Services

New York City Housing Authority: www.nyc.gov/html/nycha/html/community/social_serv.shtml

This Web page provides information about community social service programs in the five New York City boroughs.

New York State Office of Children an d Family Services: www.ocfs.state.ny.us/main/default.asp

This Web page provides information about child abuse, child care, adoption, foster parents, and related topics.

Catholic Charities (Archdiocese of New York): www.catholiccharitiesny.org/get-help/contact-us/

This Web page describes programs and services to assist poor and vulnerable people, both Catholics and non-Catholics.

The Children’s Aid Society: www.childrensaidsociety.org/what-we-do

This Web page describes programs and services offered by a non-profit organization that helps children in pverty and their families in targeted high-needs New York City neighborhoods.


Food Banks and Food Assistance

Food Bank of New York City: http://www.foodbanknyc.org/news/find-help

This Web page includes a food program locator to help people find soup kitchens, food pantries, and other programs.

Feeding America (Food Bank Locator): http://feedingamerica.org/

This Web site includes a search feature to help users find local food banks in their state. It also includes information about hunger and food insecurity.

Temporary Emergency Food Assistance:  http://www.fns.usda.gov/tefap/emergency-food-assistance-program-tefap

This Web page includes information about the USDA Temporary Emergency Food Assistance Program (TEFAP) and five other emergency food assistance programs.

New York City Department of Education School Meal Program:  http://www.opt-osfns.org/schoolfood

This Web site includes information about eligibility for and features of school breakfast and lunch programs.


Home Energy Assistance Programs

Home Energy Assistance Program (HEAP): http://otda.ny.gov/programs/heap/

This New York state Web site provides information about eligibility and application for the federal HEAP program.

HeartShare: http://www.heartshare.org/programs/energy-assistance/

This Human Services of New York Web site provides information about HeartShare, an organization that makes grants of up to $200 to those in need or those on the verge of having their utility services disconnected.


Telephone Service Assistance

Lifeline Program for Low-Income Consumers: http://www.fcc.gov/lifeline

This Web site describes a program that provides discounts on phone service for qualifying low-income consumers.


Debt and Wage Garnishment

Wage Garnishments (Neighborhood Economic Development Advocacy Project): http://nedap.org/hotline/garnish

This Web site explains how the wage garnishment process works and specifics about laws governing how it works.

Legal Requirements for Garnishments in New York City: Office of Payroll Administrationhttp://www.nyc.gov

This Web site describes New York City laws with regard to wage garnishment by creditors to collect unpaid debts.


Foreclosure and Foreclosure Counseling

Avoiding Foreclosure (U.S. Department of Housing and Urban Development): 

http://portal.hud.gov

This Web site describes federal government programs to help financially distressed homeowners avoid foreclosure.

Center for NYC Neighborhoods: http://www.cnycn.org/

This Web site provides information about a NY City agency that provides foreclosure counseling programs.

NYC Department of Housing Preservation and Development: http://www1.nyc.gov/nyc-resources

This Web site describes intervention strategies to support vulnerable households and keep them in their homes.

National Mortgage Assistance Center: www.nmacenter.org/foreclosure_assistance.asp?apcid=3976

This Web site describes an organization that provides foreclosure assistance to troubled homeowners.

Making Home Affordable: www.makinghomeaffordable.gov/pages/default.aspx

This Web page describes a federal government program to assist struggling homeowners with mortgage payments.


Credit Counseling and Bankruptcy

New York Public Library Credit Crisis Coaching and Financial Counseling: www.nypl.org/help

This Web site provides information about how to access free credit counseling and financial planning sessions.

New York City Office of Financial Empowerment: http://www.nyc.gov/html/ofe/html/home/home.shtml

This Web site provides information about debt and credit and provides credit counseling sessions and financial classes.

MyFICO: How Will my FICO Score Consider a Bankruptcy? http://www.myfico.com

This Web page discusses how a variety of personal factors impact how filing bankruptcy affects a person’s credit score.


Legal Assistance

LawHelp.org New York: http://www.lawhelp.org/ny/

This Web site provides information on a wide variety of legal topics that is specific to New York residents.

Legal Services NYC: www.legalservicesnyc.org/

This Web site provides information about a non-profit organization that helps low-income people with legal issues.

The Legal Aid Society: www.legal-aid.org/en/home.aspx

This Web site describes the oldest and largest non-profit legal services organization for low-income New Yorkers.

Volunteers of Legal Service (VOLS): http://volsprobono.org/

This Web site describes a NY City program where local attorneys provide pro bono legal services for needy residents.

Neighborhood Economic Development Advocacy Project (NEDAP): www.nedap.org

This Web site describes a New York City resource and advocacy center that works with community groups to promote financial justice in low-income communities and communities of color.

New York Legal Assistance Group (NYLAG): www.nylag.org/

This Web site describes an organization that provides free civil legal services to New Yorkers who cannot afford an attorney. NYLAG has seven core programs and also operates a mobile legal services office on wheels.


Funeral and Burial Assistance

NYC 311: http://www.nyc.gov/apps/311/about.htm

On this Web site, search the words “Burial Financial Assistance” for information about a NY City program for low-income residents that provides up to $900 in financial assistance to meet funeral expenses.

A Guide to Burial Assistance for New Yorkers in Need: http://volsprobono.org/sites/default

This Web site is a VOLS handbook that provides burial assistance information for friends and families of poor New Yorkers who have died to help them make burial arrangements.

New York State Division of Veterans Affairs: http://veterans.ny.gov/

This Web site provides information about programs and services for veterans including funeral and burial assistance.

New York State Funeral Directors Association: http://www.nysfda.org/

This Web site contains information about death, funeral planning, and related topics.


401(k) Retirement Savings Plan Hardship Withdrawals

Internal Revenue Service Web Site: http://www.irs.gov/Retirement-Plans

On this Web site, there are IRS resources about hardship withdrawals.

Should You Borrow From Your 401(k) or 403(b)?:  

http://www.investopedia.com

This write up includes information about the pros and cons of borrowing money from a retirement plan.


Natural Disaster Assistance and Recovery

Federal Emergency Management Agency (FEMA): http://www.fema.gov/help-after-disaster

This federal agency Web site contains information about emergency preparation, disaster survivor assistance, how to file a claim for losses, and other related topics.

Small Business Administration (SBA): https://www.sba.gov/content/disaster-recovery-plan 

On this Web site, learn about  information about SBA disaster loans.

New York State Disaster Relief Assistance:  http://nydis.org/   

This Web site describes programs and services for New York disaster victims offered under the auspices of New York Disaster Relief Interfaith Services.

Disaster Relief and Emergency Assistance: http://www.hud.gov/local/ny/library/disasterrelief.cfm

This Web site contains information and links for disaster relief services in New York State.

New York City Disaster Response Agencies and Organizations: http://www.nydis.org

This Web site is a 4-page fact sheet that provides names and contact information for disaster relief responders.

After the Disaster: Watching Out for Fraud and Scams: http://www.usa.gov/topics/consumer

This Web site includes links to articles about common types of frauds and scams that follow natural disasters.

Hurricane Sandy Scam Fact Sheet (U.S. Securities and Exchange Commission): http://www.sec.gov

This fact sheet describes common types of scams that are often pitched to disaster victims who are receiving insurance settlements for damage claims.


Frauds and Scams (General)

Watch Out for Debt Settlement Companies (NBC 4 New York): www.nbcnewyork.com

This Web site contains an article about fraudulent debt settlement companies and “red flag” signals of fraud.

Financial Crimes and Scams (USA.gov): www.usa.gov/Citizen/Topics/Money/Financial-Crime.shtml

This Web site provides a list of links to information about common money, tax, and phishing scams.

Scams By the Season (AARP): www.aarp.org/money/scams-fraud/

This Web site provides information about a variety of scams that are seasonal in nature including snowbird scams, bedbug scams, door-to-door home improvement scams, and Who’s Who directory scams.

StopFraud.gov (Financial Fraud Enforcement Task Force): www.stopfraud.gov/

This federal government coalition Web site (20 federal agencies, U.S. Attorneys offices, and state and local partners) contains information about a variety of types of financial fraud. There is information about how to protect against fraud and how to report fraud as well as advice for fraud victims.

Employment Fraud (New York State Department of Labor): http://labor.ny.gov/agencyinfo/report-fraud.shtm

This Web site provides information about different types of employment-related fraud.

Job-Hunting/Job Scams (FTC): www.ftc.gov/bcp/edu/microsites/moneymatters/jobs-hunting-scams.shtml

This Federal Trade Commission (FTC) Web site provides information about dealing with job placement firms and “red flags” of scams involving misrepresentation of services, outdated or fictitious job offerings, and high fees.

Beware of Foreclosure Rescue Scams: http://www.makinghomeaffordable.gov/learning-center/Pages/beware.aspx

This federal government Web site has information about “foreclosure rescue” and mortgage modification scams.

Common Loan Modification Scams: http://www.loanscamalert.org/common-scams.aspx

This Web site provides information about common loan modification scams that take advantage of financially-distressed homeowners. It is sponsored by a coalition of government and non-profit organizations.


Videos


Struggling to Save for Emergencies? http://www.bankrate.com/finance/video/saving-money/save-for-emergencies.aspx

This 2-minute Bankrate.com video discusses research about the percentage of families with emergency savings.

The New Face of Poverty: Meet Yolanda: http://www.wnyc.org/articles/wnyc-news/2012/mar/06/brink/

This two-minute, 38-second video features a woman describing her ongoing financial hardships.

Who Can Garnish Your Wages: www.youtube.com/watch?v=a_8dSJa1ne8&feature=relmfu

This two-minute, forty-second video explains how the wage garnishment process works.

Credit Counseling Sessions: www.nfcc.org/CreditCounseling/counseling_session.cfm

This Web page includes links to five National Foundation for Credit Counseling videos about counseling sessions.

Individual Development Accountshttp://cfed.org/programs/idas/

This one minute, 21 second video along with additional text content presents successful IDA program participants discussing their experiences.

Loan Modification Scam Alert (Federal Trade Commission): http://www.loanscamalert.org/ftc-video.aspx

This FTC video features financially-distressed homeowners talking about their experience with loan modification scams.



ĉ
Kathleen Kalmes,
Jul 8, 2015, 1:53 PM
ĉ
Learning and Development,
Oct 26, 2012, 11:17 AM
ĉ
T J Woods,
Nov 2, 2012, 5:11 AM
ĉ
T J Woods,
Nov 2, 2012, 5:11 AM
ĉ
T J Woods,
Nov 2, 2012, 5:05 AM
ĉ
T J Woods,
Apr 10, 2013, 9:26 AM
ĉ
T J Woods,
Apr 10, 2013, 9:26 AM
ĉ
T J Woods,
Nov 2, 2012, 5:26 AM
ĉ
T J Woods,
Apr 16, 2013, 7:53 AM
ĉ
T J Woods,
Apr 10, 2013, 9:26 AM
ĉ
T J Woods,
Nov 1, 2012, 9:10 AM
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