Maximizing Retirement Plan Contributions for Small Businesses
Along with making money with their business, most small business owners also try to minimize income taxes and grow their wealth. Qualified retirement plans present an excellent opportunity to accomplish…
Read More Videos: Car Loans
The following videos cover car loans. Car Title Loans Paying Your Car Loan
Read More Videos: Debt & Credit Cards
The following videos cover debt and credit cards. Minimum Payments on Credit Cards Prepaid Cards
Read More Videos: Credit Reports and Scores
The following videos cover credit reports and scores. Credit Scores Your Source for a Truly Free Credit Report? AnnualCreditReport.com
Read More Videos: Saving
The following videos cover saving strategies to plan for your future. Saving Matters Bank Accounts Budgets Ways to Save During Tax Time Make the Most of Your Tax Refund
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Videos: Identity Theft and Protection
The following videos cover how you can protect your identity. What Is Identity Theft? Why Care About Identity Theft? Don't be an Online Victim Identity Theft Rapid Response Tips Protecting…
Read More Maximize the Value of Your IRA
Individual retirement accounts (IRAs) continue to be one of the most powerful ways to accumulate funds for a financially secure retirement, for several reasons: IRAs are convenient ways to save…
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Financial Factoids: Tax and Estate Planning Issues
Keeping Income Tax Information There is a general three-year statute of limitation for your taxes, meaning the IRS has three years from when you file your return to start an…
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Financial Factoids: Investing Issues
Are Your US Savings Bonds Still Paying Interest? Many people have accumulated Savings Bonds or received them as gifts. As patriotic as it may be to own the bonds, some…
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Financial Factoids: Issues for Parents
Automatic Savings Plans to Fund College The costs of attending college are high and they keep growing. Transferring $250 each month to a child’s custodial account will accumulate to almost…
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Financial Factoids: Retirement Issues
Automatic Savings Plans for Your Retirement Your IRA – Transferring $458.33 each month will fund your 2015 IRA contribution of $5500 or $541.66 for a contribution of $6500 if you…
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Financial Factoids: Home and Residence Issues
Tax Implications of Home Ownership Owning a home can provide financial and tax benefits as well as shelter and emotional satisfaction. Tax benefits can come from itemized deductions (for mortgage…
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Calculate Your Auto Loan Payment (Calculator)
Click here to calculate the cost of college now.
Read More Future Value of an Annuity (Calculator)
Click here to calculate the future value of an annuity now.
Read More Mortgage Refinancing (Calculator)
Click here to calculate the cost of refinancing your mortgage now.
Read More Present Value of an Annuity (Calculator)
Click here to calculate the cost of a present value annuity now.
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Planning a Vacation – Save Now or Pay More Later
If a vacation is in your plans, you should consider the financial aspects along with all the details of your trip. Those issues are how much is the vacation going…
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Board of Directors Voting
The FFA has a volunteer Board of Directors responsible for directing and controlling the affairs of the Financial Fitness Association, which results in the effective and efficient operation of the organization. Learn more.
Financial Test Q&A: Investment Questions
Financial Test Questions and Answers Investment Questions When interest rates rise, the value of bonds: a. rise b. fall c. stay the same b) The market values of bonds…
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Is a Roth IRA Conversion Right For You?
Individual Retirement Accounts (IRAs) are part of a financially secure retirement for many people. Regular IRAs became popular in the 1980s and the Roth IRA was created in the late…
Read More Are You Laddering Your CD Maturities?
Shorter-term certificates offer more flexibility, but usually with lower rates. You could get higher rates with longer-term maturities, but what happens if rates go up even more? Choosing a combination of maturities can combine the best of both…
Taking Advantage of Non-Deductible IRA Contributions and Roth Conversions
Roth IRAs are often more attractive than regular IRAs because distributions are tax free and there are no required minimum distributions beginning at 72. The most common drawbacks with Roth…
Read More When Should You Consider Starting to Take Social Security Retirement Benefits?
The answer to that question is not necessarily simple. There are several factors to consider: What is your age? Do you plan to continue to work? How badly do you…
Read More Personal Finance Calendar – Fourth Quarter
Managing your personal finances is an ongoing process that requires discipline. Most people are successful at making sure the bills get paid and often saving a little on a regular…
Read More Personal Finance Calendar – Third Quarter
Managing your personal finances is an ongoing process that requires discipline. Most people are successful at making sure the bills get paid and often saving a little on a regular…
Read More Personal Finance Calendar – Second Quarter
Managing your personal finances is an ongoing process that requires discipline. Most people are successful at making sure the bills get paid and often saving a little on a regular…
Read More Personal Finance Calendar – First Quarter
Managing your personal finances is an ongoing process that requires discipline. Most people are successful at making sure the bills get paid and often saving a little on a regular…
Read More Personal Finance Calendar
Managing your personal finances is an ongoing process that requires discipline. Most people are successful at making sure the bills get paid and often saving a little on a regular…
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Investing in Municipal Bonds
Investing in Municipal Bonds You may want to consider municipal bonds as part of the fixed income portion of your investment portfolio. States, cities and other local authorities issue…
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Financial Test Q&A: General Questions
Financial Test Questions and Answers General Questions The inflation rate for the past 10 years has averaged: a. less than 3% b. about 5% c. about 7% d. about 10%…
Read More Financial Test Q&A: Retirement Questions
The average monthly Social Security retirement benefit for a retired couple is: a. about $900 b. about $1000 c. about $1400 d. more than $2000 d) In 2020, at…
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Personal Financial Life Skills: Preparing for a financially secure future
Click here to download the Personal Finance Skills PDF Personal Financial Life Skills Preparing for a financially secure future Slide # Introduction 1 Objectives Discuss some of the…
Read More Financial Test Q&A: Income Tax and Estate Planning
Financial Test Questions and Answers Income Tax and Estate Planning Questions What is a living trust? a) A document that dictates life preserving wishes b) A trust established to…
Read More Funding Your IRA the Easy Way With an Automatic Savings Plan
Your Individual Retirement Account (IRA) is one of the four main components of a financially secure retirement. Anyone with wages under the age of 70½ can contribute, the annual contribution…
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Evaluating Combining Your Mortgage and Your Home Equity Loan
If you are like many, you have used an increase in the value of your home and the equity you have built up as a source of borrowing through a…
Read More Evaluating Debt Consolidation
If you are like most Americans, your mail box is filled with offers for credit cards, mortgage refinancing and home equity loans. Many of those offers stress the benefits of…
Read More Fund Your IRA the Easy Way With an Automatic Savings Plan (Calculator)
Your Individual Retirement Account (IRA) is one of the four main components of a financially secure retirement. Anyone with wages under the age of 70 ½ can contribute, the annual…
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Home Equity Loans: A Powerful Financial Tool (Calculator)
The equity you have in your home can be a powerful tool in managing your overall financial situation. Your equity, the value of your home minus your existing mortgage, can…
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Evaluating Your Mortgage Options Finding the Mortgage that Meets Your Objectives
Finding a mortgage can be a strenuous process. It can seem as though there are dozens of different types with different interest rates, different lengths and other terms. To find…
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Evaluating Refinancing Your Mortgage
It is more than rates, it is your objectives, too. If you are like most people, your home is your most valuable financial asset and your mortgage is your largest…
Read More Reduce Your Car Payments By Saving Now for a Larger Down Payment
If you are planning to buy a car, you can reduce your monthly payments by increasing your down payment. Increase your down payment with an automatic savings plan. Sample…
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Reduce Your Monthly Mortgage Payments By Increasing Your Down Payment (Calculator)
Reduce Your Monthly Mortgage Payments By Increasing Your Down Payment The size of your mortgage payment is determined by two factors – the interest rate and how much you…
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