Librarians' Internet Index Finance, Personal

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Finance, Personal "Straight" Bankruptcy: Chapter 7 "There are several types of bankruptcy, each provided in a separate chapter of the Bankruptcy Code, a federal statute. Proceedings under Chapter 7 (straight bankruptcy) involve surrendering most of the borrower's nonexempt assets." This site provides questions and answers about this type of bankruptcy, including explanations of exempt and nonexempt assets and how this type of case begins. From the American Bar Association (ABA). http://www.abanet.org/publiced/practical/bankruptcy7.html Topics: Business & Consumer Law, Finance, Investing, Money Last updated Mar 15, 2005 AnnualCreditReport.com This site "allows you to request a free credit file disclosure, commonly called a credit report, once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion." Includes a FAQ. Sponsored by Equifax, Experian, and TransUnion. https://www.annualcreditreport.com/ Topics: Consumer Research & Advocacy, Finance, Investing, Money Last updated Nov 6, 2005 BanxQuote: The Financial Supermarket Site provides mortgage, personal loan, credit card, and CD rates in all fifty states. In addition, you can receive daily market quotes and rates on banking, auto, home, and consumer finance. http://www.banx.com/ Topics: Finance, Investing, Money Last updated Feb 18, 2004 Berkshire Hathaway Inc.: Shareholder Letters This site contains CEO Warren Buffett's annual letters to the shareholders of the Berkshire Hathaway company, going back to 1977. These letters are considered essential reading by investors and frequently assigned as homework for business school students. Not searchable. http://www.berkshirehathaway.com/letters/letters.html Topics: Correspondence, Finance, Investing Last updated Aug 13, 2007 blackenterprise.com News and information on business, personal finance, and politics, with collections of articles on many industries and news about, or of particular interest to, African Americans and black enterprises. Articles from the print edition are archived to 1997. Searchable (requires free registration). http://www.blackenterprise.com/ Topics: Black Resources, Business, Finance, Investing, Magazines Last updated Aug 10, 2009 Can You Afford to Retire? Companion to a 2006 Public Broadcasting Service (PBS) Frontline program that examines the retirement prospects for the baby boomer generation and current issues with pension and 401(k) savings plans. Provides a FAQ about retirement plans, articles, analysis, interviews, retirement stories, a teacher's guide, and readings and links. Includes video of the full program. http://www.pbs.org/wgbh/pages/frontline/retirement/ Topics: Finance, Investing, Seniors Last updated May 30, 2006 CU Succeed Resources Offers articles and resources for teens about management of personal finances. Includes downloadable budget spreadsheets, a financial glossary, and online calculators for loans, savings, auto loans, and credit card payoffs. Features articles written by teenagers on buying a car, choosing a college, finding a job, tracking expenses, and related topics. From a credit union league partnership that assists "credit unions in the United States and Canada in attracting teen members." http://www.cusucceed.net/resources.php Topics: Finance, Investing Last updated Nov 30, 2004 Facts for Consumers: Credit Scoring Fact sheet on credit scoring, "a system creditors use to help determine whether to give you credit." Discusses the credit scoring model, what individuals can do to improve their credit score, the reliability of the credit scoring system, what happens if you are denied credit, and how to file a complaint. From the Federal Trade Commission (FTC). http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre24.shtm Topics: Consumer Research & Advocacy, Finance, Money Last updated Jun 6, 2007 Financial Education and Tools Contains information and interactive planning tools on savings, budgeting, home and car purchasing, investing, loans, education, retirement, and estates. From Bank of America. http://www.bankofamerica.com/financialtools/ Topics: Automobiles, Consumer Research & Advocacy, Finance, Housing, Investing, Jobs & Work, Money, Seniors Last updated May 29, 2005 Financial Facts Tool Kit Produced by the Securities and Exchange Commission to better inform consumers about saving and investing. Tips are included on planning for retirement, advice on investing, guides to mutual funds, market risks, corporate and municipal bonds, and workbooks such as "Get the Facts: The SEC’s roadmap to Saving and Investing." It links to an interactive version of the "ballpark estimate" worksheet for calculating how much money should be saved for retirement. http://www.sec.gov/investor/pubs/toolkit.htm Topics: Finance, Investing, Jobs & Work, Seniors Last updated Mar 16, 2004 Financial Planning and Retirement Information about financial issues facing retirees. Topics include estate planning, financial advisors, insurance, investing and saving, and retirement income (such as individual retirement accounts, social security benefits, pensions, and annuities). Includes links to related information. From AARP. http://www.aarp.org/money/financial_planning/?source=google&sitrackingid=343711 Topics: Finance, Investing, Jobs & Work, Seniors Last updated Jun 22, 2005 gfn.com: The Gay Financial Network Financial information and advice from a company "whose sole business is to address and satisfy the unique financial and legal needs and concerns of the American LGBT community." Topics include taxes, investing, personal finance, business, and real estate. Features include news, market data, and a directory of gay, lesbian, and gay-friendly professionals. Created by a member of the New York Stock Exchange (NYSE). http://www.gfn.com/ Topics: Finance, Gay, Lesbian, Bisexual, & Transgendered People, Investing Last updated Jan 18, 2006 Hurricane Recovery: Information for Consumers and Bankers in the Affected Areas This site provides frequently asked questions and tips for banking customers affected by Hurricane Katrina, consumer contact and branch information for banks in the affected area, information about letters sent to financial institutions on matters such as Social Security payments, and related links. From the Federal Deposit Insurance Corporation (FDIC). http://www.fdic.gov/news/katrina/ Topics: Finance, Hurricane Katrina, Investing Last updated Apr 17, 2006 The Investment FAQ Questions and answers about "investments and personal finance, including stocks, bonds, options, discount brokers, information sources, retirement plans, life insurance," and more. http://www.invest-faq.com/ Topics: Finance, Investing, Jobs & Work Last updated May 11, 2005 investorguide.com Excellent source of information for the investor. Includes news and information on stocks, bonds, mutual funds, brokers, exchanges, and much more, credit, loans, taxes, retirement, etc. The site also has a large categorized directory with annotated links, a learning center, and a glossary of over 6,000 terms. http://www.investorguide.com/ Topics: Finance, Investing, Jobs & Work, Seniors Last updated May 11, 2005 iVillage: Home Finances This site for women offers quizzes and articles about budgeting, saving and investing, insurance, debt, home ownership, and more. http://home.ivillage.com/homeoffice/topics/0,,4tmn,00.html?ice=ivl,searcht Topics: Finance, Investing Last updated Apr 5, 2006 Kiplinger Online A long-time favorite business reference publisher, Kiplinger's provides a lot of free content online. The site includes articles from their Personal Finance Magazine , daily business news (archived to April, 1996), stock quotes, funds data, yields and rates from credit cards to home equity, financial calculators of all sorts, a small annotated directory of other business sites, and an excellent advice column about Kids & Money . http://www.kiplinger.com/ Topics: Finance, Investing, Magazines Last updated Aug 10, 2009 Kiplinger's Personal Finance: Retirement Collection of articles and columns on topics related to retirement savings, such as individual retirement accounts (IRAs), 401(k) and pension plans, annuities, and retirement planning for children and young adults. Includes retirement calculators. From the website for Kiplinger's Personal Finance magazine. http://www.kiplinger.com/retirement/ Topics: Finance, Investing, Seniors Last updated Nov 6, 2009 The Mint An economics and money management primer for middle school and high school students that addresses how to earn, budget, save, and invest money. Covers the stock market, credit cards, inflation, income, expenses, interest rates, the relationship between higher education and earning potential, and more. Includes a section for teachers and parents. Maintained by the National Council on Economic Education, which "promot[es] economic literacy with students and their teachers." Searchable. http://www.themint.org/ Topics: Finance, Investing, K-12 Education Last updated Apr 21, 2004 MoneyCentral Comprehensive personal finance site. Offers real-time stock quotes, lists of top mutual funds, as well as a wealth of information on topics including retirement planning, saving for college, insurance, and buying or selling a home. Sponsored by Microsoft. http://moneycentral.com/home.asp Topics: Finance, Investing, Jobs & Work Last updated Jul 28, 2000 MyMoney.gov This site provides annotated links to educational materials "from across the spectrum of federal agencies that deal with financial issues and markets." Some of the topics include budgeting, taxes, credit, financial planning, home ownership, privacy, fraud, retirement planning, and small business. In English and Spanish. From the Financial Literacy and Education Commission, which was established by Title V of the Fair and Accurate Credit Transaction Act. http://www.mymoney.gov/ Topics: Finance, Investing Last updated Apr 26, 2006 National Foundation for Consumer Credit NFCC is an association of non-profit organizations that provide education and counseling in credit and debt management. This site provides basic consumer information about credit reports, debt collection practices, and bankruptcy. Consumers are encouraged to contact their local NFCC office via the Local Office Locator directory. http://www.nfcc.org/ Topics: Consumer Research & Advocacy, Finance, Investing, Money Last updated Nov 18, 2002 Personal Banking Help for Hurricane Victims Information about the post-Hurricane Katrina activities for a number of personal banking and automotive loan institutions operating in the affected area. Includes information about deferring loan repayments, ATM fee waivers, and replacing lost credit cards. Includes toll-free phone numbers. From MSNBC. http://www.msnbc.msn.com/id/9146146 Topics: Finance, Home & Housing, Hurricane Katrina, Investing, Science Last updated Sep 14, 2005 Planning & Education Practical financial advice for personal investors. Investment guides cover how to create an investment plan, invest for retirement, roll over retirement assets, manage retirement, save for college, maximize your after-tax return, and plan your estate. Includes links to related investor resources. Sponsored by the Vanguard Group. https://personal.vanguard.com/us/planningeducation Topics: Finance, Investing Last updated Jun 13, 2008 Practical Money Skills for Life Designed for teachers, parents, students, and consumers, this site deals with all aspects of managing money, including spending plans, credit cards, and saving and investing. Features lessons for students at all grade levels, budget calculators for estimating savings and loan repayments, a banking tutor, and games that teach different aspects of money management. Some content available in Chinese and Spanish. From Visa. http://www.practicalmoneyskills.com/ Topics: Finance, Investing Last updated Nov 27, 2005 Search for a Certified Financial Planner Professional The nonprofit professional regulatory organization, Certified Financial Planner Board of Standards Inc. (CFP Board) exists "to benefit the public by granting the CFP certification and upholding it as the recognized standard of excellence for personal financial planning." This resource allows users to search by name or location for CFP-certified financial planners. Records include name, city and state, current certification status, and whether the planner has any public disciplinary history. http://www.cfp.net/search/ Topics: Finance, Investing Last updated May 11, 2009 Secret History of the Credit Card Companion to a Public Broadcasting Service (PBS) program in which Frontline and The New York Times "join forces to investigate an industry few Americans fully understand. ... [C]orrespondent Lowell Bergman uncovers the techniques used by the industry to earn record profits and get consumers to take on more debt." The site features the full program, interviews, facts for credit card users, and related articles. Also includes a teacher's guide. http://www.pbs.org/wgbh/pages/frontline/shows/credit/ Topics: Finance, Investing Last updated Nov 30, 2004 Sound Mind Investing This monthly newsletter provides financial planning advice from a conservative Christian perspective, including staying debt-free, ethics and stewardship, and how to save money. Features include model portfolios, mutual fund rankings, the risks of investing in stocks and bonds, and links to many financial calculators. Additional content available through a fee-based subscription. Searchable. http://www.soundmindinvesting.com/ Topics: Finance, Investing Last updated Oct 17, 2001 Yahoo! Finance This site for investing and personal finance provides U.S. and international stock quotes with minimal delay when markets are open, as well as historical stock quotes and other market information. Additional investment topics include general financial news, industry news, annual reports, and mutual fund, bond, and option information. Also includes links to more than 20 international sites. Personal finance subjects include loans, insurance, and taxes. http://finance.yahoo.com/ Topics: Finance, Investing Last updated Jul 14, 2003 Your Access to Free Credit Reports Under an amendment to the Fair Credit Reporting Act (FCRA), consumers can request a free copy of their credit report once every 12 months. This site has the details and the URL of the only official request website. From the Federal Trade Commission. http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm Topics: Consumer Research & Advocacy, Finance, Investing, Money Last updated Jun 15, 2008 Your Credit Score: How It All Adds Up Consumer fact sheet on credit scoring, "a grading system that adds or subtracts points based on select data in your credit report. ... Your final grade -- your credit score -- is said to measure how likely it is that you will repay a loan." Discusses factors used to determine credit scores (such as payment history and amount owed), ordering credit reports, and tips for improving your score. From the Privacy Rights Clearinghouse. http://www.privacyrights.org/fs/fs6c-CreditScores.htm Topics: Consumer Research & Advocacy, Finance, Money Last updated Mar 22, 2006 Your Credit Scores Questions and answers about credit scores, "number[s] that help lenders and others predict how likely you are to make your credit payments on time." Uses the FICO (Fair Isaac Corporation) score system to show the factors affecting a credit score, such as payment history. Includes examples of actions you can take to boost scores, and contacts for credit reporting agencies. From the Consumer Federation of America and the Fair Isaac Corporation. http://www.pueblo.gsa.gov/cic_text/money/creditscores/your.htm Topics: Consumer Research & Advocacy, Finance, Money Last updated Mar 22, 2006

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