Author: personal-finance

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Ballpark E$timate

The Ballpark E$timate is an easy-to-use, two-page worksheet that helps you quickly identify approximately how much you need to save to fund a comfortable retirement. The Ballpark E$timate takes complicated issues like projected Social Security benefits and earnings assumptions on savings, and turns them into language and mathematics that are easy to understand. The Ballpark E$timate is available as both a worksheet and online interactive form.

Worksheet: http://www.choosetosave.org/ballpark/

Interactive Form: http://www.choosetosave.org/ballpark/index.cfm?fa=interactive…

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FINRA Investor Education Foundation

FINRA Investor Education Foundation

FINRA logo


Finding New Ways to Protect Investors Through Education

The FINRA Investor Education Foundation, formerly known as the NASD Investor Education Foundation, supports innovative research and educational projects that give investors the tools and information they need to better understand the markets and the basic principles of saving and investing.

On July 30, 2007, the Foundation’s parent, NASD, consolidated with NYSE Member Regulation to form FINRA, the Financial Industry Regulatory Authority. At that time, the Foundation became …

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Bankruptcy

 

What is Bankruptcy?

Bankruptcy is a proceeding in a federal court in which a debtor who owes more than his or her assets can receive debt relief by transferring his or her assets to a trustee or agreeing to reorganization of assets and liabilities. Usually, at least two years must elapse from the discharge of the bankruptcy before lenders will consider making a loan to someone who has declared bankruptcy.

When is Bankruptcy an Answer?

Bankruptcy may be an answer …

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Income Taxes

The goal for taxpayers is to pay no more than the least possible tax owed. Avoiding taxes through legal tax strategies is not to be confused with illegal tax evasion. Legally avoiding taxes means using effective financial record-keeping, decision making, and planning strategies to reduce your total income tax. One example of good tax management is adjusting the amount of federal income tax withheld from your paycheck. If you receive a big income tax refund (over $500) each year, you …

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Driver’s license

Go to http://www.dmv.org/drivers-license.php to view information about your state’s driver’s license laws. If you prefer, contact the office responsible for motorized vehicles in your county or state. You may be asked for a birth certificate (or two other forms of identification with your full name and date of birth) as well as for a fee.

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Next: Federal income tax return >>

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Lesson Contents
I. Introduction
II. How to Get Organized
III. Organize Important Papers

a. Which
…
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Federal income tax return

For copies of federal income tax returns, call the nearest office of the Department of the Treasury or Internal Revenue Service and ask for Form 4506 (Request for Copy or Transcript of Tax Form). To speak with an IRS representative, call 800-829-1040.

You can reach the Taxpayer Advocate Service by calling 877-777-4778. See Publication 1546 (“The Taxpayer Advocate Service of the IRS”).

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Next: Insurance policies >>

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Lesson Contents
I. Introduction
II. How to Get Organized
III.

…
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How to Replace Papers

It can be extremely distressing when important household papers are lost, stolen, or destroyed. Take heart in knowing that you are neither the first nor the last to face the problem of replacing important papers.

Many household records are replaceable—some quite easily. For example, your insurance company can send you another copy of your insurance policies, and the institution that holds your checking account can usually send you copies of cancelled checks. However, replacing some important papers may be costly …

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Insurance policies

To replace lost or destroyed insurance policies, contact the agent or company that provided you with the coverage. You may need to complete a form (including the policy number), pay a fee for duplicate copies, or both.

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Next: Marriage licenses, marriage dissolutions, adoption decrees >>

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Lesson Contents
I. Introduction
II. How to Get Organized
III. Organize Important Papers

a. Which Papers to Keep
b. Where to Keep Papers
c. How Long to Keep Papers
d. When
…
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Legally Secure Your Financial Future: Acknowledgments

Acknowledgments

Legally Secure Your Financial Future is a self-study curriculum to help you organize your important papers, communicate your wishes about legal and other issues, and prepare your financial affairs.

Content development by:

Marilyn C. Bischoff, M.S., Team Leader
Extension Professor and Family Economics Specialist
University of Idaho Extension
Boise, ID

Joanne Bankston, Ph.D.
Family Economics and Management Specialist
Kentucky State University Cooperative Extension Program
Frankfort, KY

Elizabeth E. Gorham, Ph.D.
Associate Professor, Extension Family Resource Management …

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Legally Secure Your Financial Future: Disclaimer

Material in this web site is not intended to be a substitute for legal advice. Rather, it is designed to help families become better acquainted with some of the devices used in estate planning and to create an awareness of the need for such planning. Future changes in laws cannot be predicted, and statements within this lesson, fact sheets and learning activities are based solely upon those laws in force on the last revised date of the web site or …

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