If there’s more than one responsible adult in your household, you can share record-keeping and bill-paying duties as long as you both agree who will complete certain tasks in a timely manner and communicate regularly about what’s been done.
In many households, one adult may be better-suited to record-keeping and financial tasks. If that’s the situation in your household, be sure to keep other family members informed and to show them — or a trusted friend — where your records …
Among your important papers should be a household inventory — an itemized list of your personal belongings. Whether you are a homeowner or renter, an accurate household property inventory is a necessity. It provides information for:
In case of …
Birth and death certificates—typically prepared by physicians, funeral directors, other professional attendants, or hospital authorities—are permanently filed in the central vital statistics office of the state, city, or outlying area where the event occurred. Often, they’re kept by the state health department. To replace a birth or death certificate for a person who was born or died in your state, contact the main office of your county government and ask where the vital records are kept, or click on http://vitalrec.com/usmap.html…
Lost in the U.S.: If your passport is lost or stolen in the United States, report the loss or theft immediately to the U.S. Department of State 1-877-487-2778 (TTY 1-888-874-7793)or nearest Passport Agency and to the local police. You can contact the State Department at:
You can report your valid passport as lost or
An Application for Replacement of Naturalization/Citizenship Document (Form N-565) is used to request citizenship and naturalization papers. You can download it from http://www.uscis.gov/portal/site/uscis/menuitem.5af9bb95919f35e66f614176543f6d1a/?vgnextoid=a910cac09aa5d010VgnVCM10000048f3d6a1RCRD&vgnextchannel=db029c7755cb9010VgnVCM10000045f3d6a1RCRD.
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Lesson Contents
I. Introduction
II. How to Get Organized
III. Organize Important Papers
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.
Bankruptcy may be an answer …
Update debit and credit card information when you secure new cards and cancel old ones.
Order a free credit report annually from http://www.annualcreditreport.com and keep a copy on file.
Update your annual net worth statement to help you assess your progress in reaching financial goals. Keep financial documents that indicate when you make changes in investment accounts.
Next: Legal Records >>
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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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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 …
Money is a subject that few people discuss, but more and more professionals are talking about it – the key link between our emotions and our money. We may think that money is all about our rational selves, but in fact emotions are often very much invested in our pocket books.
To be financially secure, whether that entails repairing our credit history or organizing financial affairs or getting an estate in order, we have to deal with the emotional as …
