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College Planning Checklist

Getting into the College of your Choice involves Planning. This College Planning Checklist from the Department of Education helps parents and students get a head start in their College Planning and College Preparation.

Students Doing College Planning from BrochurePreparing for College involves finding money for college education, taking the right classes in high school and having an idea of what career you might be interested in. In a speech to Congress on Feb. 24, 2009, President Obama encouraged every American to complete at least one year of education beyond high school, whether at a community college, or a four-year school, or through vocational training, or an apprenticeship. This checklist will tell you how to get ready for that education; and how the government will help you pay for it.

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Posted in Student Aid

7 Money Management Tips for Tough Times

This article comes from “Tips to Managing Your Money in Challenging Times” which is a publication prepared by The President’s Advisory Council on Financial Literacy.
Concerned Man from FDIC Consumer News Spring 2008

These 7 Money Management Tips are simple reminders to increase awareness of tools and resources to help you better understand your financial situation. It is important to keep your eye on the ball during times of financial stress. Various financial institutions are under stress and it is important to find out how your assets are protected. The FDIC insures bank deposits up to certain limits. The Securities Investor Protection Corporation insures brokerage accounts from fraud and insolvency up to certain limits but not for market losses. Also your car insurance, health insurance and home insurance help protect you from large unforeseen losses and you need to make sure you don’t let them lapse during these tough financial times.
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Teen Auto Accidents – How Big is the Problem?

Teen Auto Accidents are a big problem. Teenage Car Accidents are the leading cause of death for U.S. teenagers. This article from give the teen driving statistics and proven strategies to improve teenage driving safety.
NHTSA Leading Teen Causes of Death

Motor vehicle crashes are the leading cause of death for U.S. teens, accounting for more than one in three deaths in this age group.1 In 2008, nine teens ages 16 to 19 died every day from motor vehicle injuries. Per mile driven, teen drivers ages 16 to 19 are four times more likely than older drivers to crash. Fortunately, teen automobile crashes are preventable, and proven strategies can improve the safety of young drivers on the road. These safety tips can also help lower your Teen Auto Insurance costs too.
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Posted in Insurance

Home Equity Line of Credit Freeze or Reduction

What should you do if your Home Equity Line of Credit (HELOC) lender freezes or reduces your credit line here are 5 tips from a Federal Reserve article.
Home Equity Loan Freeze or HELOC Reduction

A Home Equity Line of Credit Freeze or Credit Line Reduction  can happen to anyone. Home price declines or a change in your financial situation can trigger a credit line freeze or reduction. This brief article compiled from a Federal Reserve document gives you some tips for dealing with a HELOC reduction or freeze. The main issue is don’t panic. The lender is required to send you a notice when your Home Equity Line of Credit is frozen or reduced. Read the notice carefully and contact the lender immediately with your questions or concerns.
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Home Equity Lines of Credit – Questions to Ask Your Lender

When you are looking for a Home Equity Line of Credit consider asking the following questions based upon a Federal Reserve article.
Home Equity Loan

Home Equity Lines of Credit  can have risky features that could make it difficult for you to repay your balance. Remember that failure to repay your home equity credit line could cause you to lose your home. Shop around various lenders and find the best line of credit terms that meet your borrowing needs without unduly risking your home. Ask your lender about other loan products, such as a traditional home equity loan.
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California Auto Insurance

California Auto Insurance

California has over 23 million licensed drivers and over 33 million registered private and commercial vehicles according to the U.S. Department of Transportation. The California Department of Insurance has some great resources to help you find quality California Auto Insurance. These resources can help you with the California Low Cost Auto Insurance Program, What information you should have ready when shopping for a California Auto Insurance Quote, What are the California Auto Insurance Broker Fee Regulations, Who is eligible for California Auto Claims mediation and more.
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Posted in Insurance

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