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Personal Finance
 Websites presented in alphabetical order "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 66 Ways to Save Money
This brochure lists ideas for saving money on airline fares, car purchases and rentals, insurance, bank accounts, mortgage loans and refinancing, telephone service, groceries, prescription drugs, funerals, and many other areas. Includes a consumer knowledge test and a downloadable version of the brochure. From the Federal Citizen Information Center (FCIC), a federal government consumer service. http://www.pueblo.gsa.gov/cic_text/money/66ways/ Topics: Finance Last updated Dec 9, 2008 Alpha Consumer
This blog focuses on "how to save money, avoid scams, manage debt, and be a savvy shopper." Topics include credit card "balance chasers," donating to charity, mortgage points, how to buy an Internet domain name, the recession and weekly spending, how to calculate student loan debt, going green and saving cash, and more. Includes audio and video. Archive goes back to July 2007. From U.S. News & World Report. http://www.usnews.com/money/blogs/alpha-consumer/index.html Topics: Consumer Research & Advocacy, Finance Last updated Sep 9, 2009 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 a Vegetable Garden Save You Money?
This 2009 article focuses on ways to increase your chances of saving money by vegetable gardening, noting that it's "possible to spend a small fortune on a garden." Tips focus on selecting vegetables to grow (such as those that are expensive to buy in the grocery store), research and planning, and starting small. From Iowa State University Extension. http://www.extension.iastate.edu/news/2009/mar/060201.htm Topics: Finance, Gardening Last updated Apr 30, 2009 Choose to Save
This website features "user-friendly, multimedia materials to help individuals plan and save for their financial future." Find a retirement savings tool, brochures on topics such as compounding and IRAs, public service announcements, and links to calculators for costs associated with autos, bonds, budgets, college, insurance, life expectancy, and other areas. The Resources section has some broken links. From the Employee Benefit Research Institute, a public policy organization. http://www.choosetosave.org/ Topics: Finance Last updated Apr 27, 2009 Consumer Handbook on Adjustable Rate Mortgages (ARM)
This fact sheet explains adjustable rate mortgages (ARMs), loans for which "the interest rate changes periodically, usually in relation to an index, and payments may go up or down accordingly." Includes questions to consider, consumer cautions, ideas for reducing risk associated with ARMs, a glossary, and a mortgage checklist for comparing different types of mortgages. Opens directly into a PDF file. From the Federal Reserve Board. http://files.ots.treas.gov//48981.pdf Topics: Finance, Housing Last updated Nov 25, 2008 Consumer Reports: Rebuild Your Finances
This 2009 guide "will help you navigate the current financial crisis." Includes advice, articles, and other consumer resources on topics related to personal finance (including credit and savings), career, home, cars, family, medical insurance, and retirement. From Consumer Reports magazine. http://www.consumerreports.org/cro/money/resource-center/financial-security-guide/financial-survival-guide.htm Topics: Finance Last updated Jun 1, 2009 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 Debt Collection Practices: When Hardball Tactics Go Too Far
Fact sheet for consumers that "explains the federal Fair Debt Collection Practices Act (FDCPA) and other laws that apply to debt collectors." Includes "information about how to stop calls from collectors ... to dispute a collection action ... your right to privacy, and how debt collection efforts may affect your job, your credit report, even information in your medical files." Includes links to related sites. From the Privacy Rights Clearinghouse. http://www.privacyrights.org/fs/fs27-debtcoll.htm Topics: Consumer Research & Advocacy, Finance Last updated Jul 10, 2006 A Do-It-Yourself Year-End Bonus
This article describes how "most employees have the power to put at least a couple hundred extra dollars in their paychecks each month, starting this month. ... Simply tell Uncle Sam to back off a bit in biting into your paychecks." Includes an online calculator to help you determine if you should adjust withholdings to increase you take-home pay. From Kiplinger's. http://www.kiplinger.com/features/archives/2006/12/withholding.html Topics: Finance, Tax Filing Season Last updated Apr 4, 2008 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 Facts for Consumers: Electronic Check Conversion
This fact sheet explains electronic check conversion, "which converts information from your paper check into an electronic payment from your bank account." It addresses questions such as how to find out if a business uses electronic check conversion, how payment will be shown on your bank statement, avoiding bounced checks, checking for errors and unauthorized transactions, and related topics. From the Federal Trade Commission (FTC). http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre31.shtm Topics: Consumer Research & Advocacy, Finance Last updated Jun 6, 2007 Fair Debt Collection
Questions and answers for consumers about the federal Fair Debt Collection Practices Act, which "requires that debt collectors treat you fairly and prohibits certain methods of debt collection." Discusses what debts are covered, how and at what times a debt collector may contact you, what types of debt collection practices are prohibited (such as threats of violence), and how to report a debt collector for an alleged violation. From the Federal Trade Commission (FTC). http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm Topics: Consumer Research & Advocacy, Finance Last updated Nov 14, 2008 Feed the Pig
Website for a campaign with the goal to "encourage and help Americans aged 25 to 34 to take control of their personal finances" and live within their means. Includes money-saving tips from "under-savers" such as the "chronic collector" and the "not-so-frugal-foodie," an interactive savings commitment calculator, articles, and more. Also provides a link to material for tweens (4th-6th graders). From the American Institute of Certified Public Accountants (AICPA) and the Advertising Council. http://www.feedthepig.org/ Topics: Finance Last updated Jan 5, 2009 Financial Analysts and Personal Financial Advisors
Occupational Outlook Handbook entry for financial analysts and personal financial advisors, who "provide analysis and guidance to businesses and individuals in making investment decisions." Financial analysts "assess the economic performance of companies and industries for firms and institutions with money to invest." Personal financial advisors "assess the financial needs of individuals." Covers nature of work, training and licensure, job outlook, earnings, and more. From the U.S. Department of Labor, Bureau of Labor Statistics. http://www.bls.gov/oco/ocos259.htm Topics: Investing, Jobs & Work Last updated May 13, 2009 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 Financial Planning: A Guide for Disaster Preparedness
Covers insurance, paying for a mitigation project, safeguarding important documents, estate planning, and more. Prepared by the American Institute of Certified Public Accountants (AICPA), the American Red Cross, and the National Endowment for Financial Education (NEFE). http://www.redcross.org/preparedness/FinRecovery/FinPlan/ Topics: Finance, Home & Housing, Hurricane Katrina, Investing, Science Last updated Jun 20, 2009 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 Grocery Savings and Coupon Zone
"Resources for helping you save on food. Find information on double coupons, grocery store contact links and contact information, tips on saving on groceries, free menu lists, and shopping lists and other valuable information for saving on groceries." Also includes discussions about how grocery stores get you to spend more, starting a small coupon exchange club, and the pros and cons of grocery store loyalty programs. From About.com. http://couponing.about.com/od/groceryzone/Grocery_Savings_and_Coupon_Zone.htm Topics: Consumer Research & Advocacy, Finance Last updated Aug 8, 2007 Health Savings Accounts (HSAs)
Consumer publications about Health Savings Accounts (HSAs), which "were created by the Medicare bill signed by President Bush on December 8, 2003 and are designed to help individuals save for future qualified medical and retiree health expenses on a tax-free basis." Provides a FAQ, a brochure (in English and Spanish), fact sheets, tax resources, and related publications. From the United States Department of the Treasury. http://www.treasury.gov/offices/public-affairs/hsa/ Topics: Finance, Health, Tax Filing Season Last updated Aug 21, 2006 How To Do an Annual Financial Checkup
This article outlines ideas for a year-end personal finance review, covering goals, asset protection, will updates, investment performance evaluation, debt control, income tax reduction, and retirement plan review. Includes links to related articles. Written for About.com by an accountant and author of books on personal finance. http://financialplan.about.com/od/personalfinancebasics/a/AnnualCheckup.htm Topics: Finance Last updated Nov 27, 2006 How to Implement an Envelope Budgeting System
This blog post describes a method for implementing a cash-only budgeting system known as "envelope budgeting." Steps include determining which categories (such as food and entertainment) to include in the budget, establishing a budget amount, creating the envelopes, using the system ("When the envelope is empty, stop spending."), and making revisions. From the blog Frugal Dad. http://frugaldad.com/2008/01/31/how-to-implement-an-envelope-budgeting-system/ Topics: Finance Last updated Dec 9, 2008 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 Investor Protection Trust (IPT)
IPT's primary mission is "to provide independent, objective information needed by consumers to make informed investment decisions." Features booklets on topics such as investing in stocks and bonds, mutual funds, and investing for college and retirement. Also includes "The Basics of Saving and Investing: Investor Education 2020," which was designed as a curriculum resource for high school teachers. The IPT was created as part of a settlement to resolve charges of investment firms' misconduct. http://www.investorprotection.org Topics: Investing Last updated Feb 14, 2007 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: Spending Wisely
Collection of articles on topics related to making informed purchases and lowering expenses. Some subjects covered include smart buys, travel and entertainment, cars, technology, eco-friendly products, tipping, gifts, and donations. Includes links to slide shows, quizzes, tools, and relevant special reports. From Kiplinger, publishers of several financial publications. http://www.kiplinger.com/spending/ Topics: Finance Last updated Jan 5, 2009 Middletown Thrall Library Special Coverage: The Economy
Annotated links to resources on the U.S. and global economy, personal finance, and related consumer interests. Features extensive links to news and documents about the Emergency Economic Stabilization Act of 2008 and Troubled Assets Relief Program (TARP), and sections on banking, credit and debt, food, the housing crisis, investments, and more. From the Middletown Thrall Library, a U.S. Federal Depository Library in New York. http://www.thrall.org/special/economy.html Topics: Finance Last updated Jan 5, 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 Endowment for Financial Education (NEFE)
NEFE is a "private, nonprofit, national foundation wholly dedicated to improving the financial well-being of all Americans" by helping "individual Americans acquire the knowledge and skills necessary to take control of their financial destiny." Its site features publications for consumers (on financial literacy, credit and debt, saving, investment, and retirement), news updates (such as "Five Things to Resist Doing in a Turbulent Economy"), information about programs and grant opportunities, and related material. http://www.nefe.org/ Topics: Finance, Investing Last updated Nov 3, 2008 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 NeighborWorks America
Website for this "national nonprofit organization created by Congress to provide financial support, technical assistance, and training for community-based revitalization efforts." Features news, case studies, and reports on subjects such as aging in place, disaster preparedness, foreclosure solutions, home equity protection, manufactured housing, predatory lending, and refinancing. Also includes materials about campaigns, such as its free telephone consultation service on foreclosure solutions. Includes listings of local NeighborWorks member organizations. http://www.nw.org/ Topics: Finance, Housing Last updated Jun 7, 2008 North American Securities Administrators Association (NASAA)
"Organized in 1919, the North American Securities Administrators Association (NASAA) is the oldest international organization devoted to investor protection." The site contains news, information on legislative and regulatory activity, investor tips and alerts, resources for seniors and online investors, links to related resources, and more. http://www.nasaa.org/ Topics: Corruption & Fraud, Crime, Finance, Industries, Investing Last updated Mar 5, 2006 PC World: Financial & Tax Software
Collection of reviews of personal finance, tax, and accounting software packages. Also includes how-to pieces and news items (such as bugs and fixes) related to financial and tax software. From the website for PC World magazine. http://www.pcworld.com/browse/1262/topic.html?page=1 Topics: Computers, Finance, Tax Filing Season Last updated Nov 14, 2006 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 Protecting Yourself From Overdraft and Bounced-Check Fees
This fact sheet discusses ways to avoid fees resulting from overdrawing your bank account. Topics include situations where an account may be overdrawn (checks, withdrawals, debit card purchase, and automatic bill payment), managing your bank account, courtesy overdraft protection (or bounce coverage) plans, and other ways to cover overdrafts. In English and Spanish. From the Federal Reserve Board. http://www.federalreserve.gov/pubs/bounce/ Topics: Consumer Research & Advocacy, Finance Last updated Jun 6, 2006 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 Social & Demographic Trends: Reports on Money
This series of demographic reports covers topics related to money, personal finance, and the economy. Includes reports such as "Different Age Groups, Different Recessions: Oldest are Most Sheltered," "Luxury or Necessity? The Public Makes a U-Turn," "Baby Boomers: The Gloomiest Generation," and "The Middle Class Blues: Pricey Neighborhoods, High Stress." Reports, which include statistical charts and graphs, go back to 2006. From the Pew Research Center. http://pewsocialtrends.org/topics/money/ Topics: Finance, Money Last updated May 26, 2009 Social Investment Forum
This national, nonprofit organization provides information, contacts and resources on socially responsible investing (SRI), "integrating personal values and societal concerns with investment decisions." The SRI approach considers both the investor's financial needs and an investment’s impact on society; and in terms of returns, it is competitive with other strategies. Read news and reports and learn more about this growing trend. http://www.socialinvest.org/ Topics: Finance, Investing Last updated Sep 30, 2001 Social Investment Forum: Advocacy & Public Policy
"This program provides communication, research, and advocacy on public affairs related to socially responsible investing." The site contains news, information on "the impact and progress that shareholders have had on various corporations," links to related resources, and more. http://www.socialinvest.org/projects/advocacy/ Topics: Finance, Investing Last updated Jul 2, 2008 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 Thrifty Fun
This is "an interactive Web site where you can post questions and contribute answers to others who are trying to have fun while saving money." Frugality is the theme reflected in the recipes, crafts for children, creative projects using castoff materials, and general hints for consumers. Free registration is required to post messages or comments. http://www.thriftyfun.com Topics: Finance Last updated Jul 7, 2008 What Is Envelope Budgeting, and Does Envelope Budgeting Software Exist?
This article describes envelope budgeting, "a simple and systematic way of saving to pay bills and to maintain a personal budget," and how to use financial software to implement a "virtual envelope" budget where cash and spending category envelopes are not needed. Includes a related article describing software packages that include envelope budgeting features. Written for About.com by a writer experienced in "software testing and working with financial software." http://financialsoft.about.com/od/glossaryindexe/f/Envelope_Budget.htm Topics: Finance Last updated Dec 9, 2008 Which is Worse: Foreclosure or Bankruptcy?
This 2007 article considers the question of "what is better on your credit report -- foreclosure or bankruptcy? The article notes that "[n]either option is going to be easy. Generally, a foreclosure will remain on your credit report for 7 years, while a bankruptcy remains for 10 years. But that doesn't mean foreclosure is necessarily the better option." Also describes alternatives to mortgage foreclosure and bankruptcy. From the MSNBC answer desk. http://www.msnbc.msn.com/id/21478416/ Topics: Consumer Research & Advocacy, Finance, Housing Last updated Mar 12, 2008 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 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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