Email: Sharon Rich
Financial Resources and Links
Other area of interest
This site is always being updated. Please e-mail me with your favorite links or if you find a link not working
Finding a financial planner
Fee-Only Financial Planners
- National Association of Personal Financial Advisors Consumer services include referral network and interview form on choosing a planner
- The Garrett Financial Network: Network of hourly based financial planners
- Fee Only Financial Planning XY Planning Network
Check out your potential advisor Investment Advisor Public Disclosure - Investment Adviser Search
Divorce specialists: Find a Certified Divorce Financial Analyst
Free Financial Support for Women
Sudden Money specialists:
- Find a Sudden Money Institute Advisor National Network of Advisors includes financial planners, wealth coaches, psychologists, attorneys and philanthropy experts trained in Financial Transitions Planning developed by The Sudden Money® Institute
- Kinder Institute of Life Planning The Kinder Institute trains and coaches financial advisors worldwide in a method we call financial Life Planning. This method is based on the premise that advisors should first discover a client’s most essential goals in life before formulating a financial plan, so a client’s finances fully support those goals
Cash Flow, Credit and Debt Management
Financial Spreadsheets General Information and Managing Money Banks, Rates and On-Line Savings Loan Rates Credit Cards Debt Management Credit Reports Saving and Spending Job Tools General Information and Managing Money
- Net worth statement
- Income
- Personal Expenses
- Children's Expenses
- Business & Rental Property Expenses
- Institute of Consumer Financial Education The nonprofit ICFE makes available financial information and personal finance education, credit education courses, debt management education, bankruptcy education, savings and investment information, credit repair, credit report reviews, credit counseling information and financial planning and budgeting education for all age groups
- American Savings Education Council
- Practical Money Skills - Financial Literacy for Everyone
- Money 101 - Financial Advice & Lessons Made Easy by CNNMoney.com
- Professionals to help manage your accounts
- Personal Financial Software
Banks, Rates and High Interest-bearing online accounts
- Compare high yield accounts, CDs, mortgages, etc.
- Sample of high yield savings accounts & CDs:
- LendingClub High-Yield Savings
- American Express® high yield savings account
- How safe is your bank?
- Bauerfinancial: Star Ratings for Banks and Credit Unions *client recommended
- VERIBANC The B.E.S.T. Banking Investment with Unbiased Safety Ratings and CD Rates
- Bankrate
- LowerMyBills Refinance Mortgage, Home Loan, Home Equity, Home Purchase, Debt Consolidation , Compare Credit Cards
Credit CardsDebt Management
- Credit Info Center Everything you need to know about credit cards, (including unwanted ads)
- PowerPay develop a personalized, self-directed debt elimination plan
- Consumer Credit Counseling Services Advice and counseling about getting out of debt
- U.S. Department of Justice Approved Credit Counseling Agencies - Massachusetts
Credit Reports
- Annual Credit Report.com
- Your Access to Free Credit Reports Federal Trade Commission site with information about Fair Credit Reporting Act (FCRA) & warnings about various web sites
- Credit Monitoring vs. Credit Freeze - InCharge Debt Solutions
- Freezing your credit:
- OptOutPrescreen.com official Consumer Credit Reporting Industry website to accept and process requests from consumers to Opt-In or Opt-Out of firm offers of credit or insurance
- Credit Basics Demystifying Credit Scoring & Credit Reports | myFICO
- Honey Automatic Coupons, Promo Codes, and Deals
- GasBuddy.com Find Low Gas Prices in the USA and Canada
- Salary.com - Salary Calculator, Salary Comparison, Compensation Data
- See more tax & payroll tools below -- Payroll Taxes
Investments
Investments: General
Comprenhensive Sites Investing Support Market Index Statistics Discount Brokers Low Cost Investment Management Firm s
The longer you have to invest, the more risk you can afford to take.
- Historical Stock Prices bigcharts.com
- WSJ.com - U.S. Home
- Marketplace - Business News & Economic Stories For Everyone.
- ICLUBcentral :: Software and Tools for Investment Clubs and Investors
- Paul Merriman – Sound Investing for Every Stage of Life
- Investment Education Center
- Best Robo-Advisors | ConsumersAdvocate.org
- Betterment: The Smart Money Manager | Save. Invest. Retire.
- Wealthfront Global balanced core strategies using low-cost open-end mutual funds and exchange traded funds (ETFs); fee: 0.25%
Investments:Asset Allocation
It is important to plan your asset allocation and rebalance portfolios annually
Asset class diversification: WaterAsset class diversification: Clean Energy
Asset class diversification: GOLD
- 7 Clean Energy ETFs to Buy Now
- Fossil Fuel Free Investing
- Global Gold Fund BGEIX | American Century Investments ®
- GLD SPDR Gold Shares ETF
- IAU iShares Gold Trust ETF
Asset class diversification: FURTHER DIVERSIFICATION
Investing: Mutual Fund
A diversified portfolio of mutual funds can be the core of most individual investor's portfolios
- Morningstar: one of the best sources of data for mutual funds
- Beginners' Guide to Mutual Funds: Online Publications at the SEC
- Mutual funds costs
Index fundsExchange Traded Funds
Investments: AnnuitiesAnnuitiy Basics
- Variable Annuities
- Investor Tips: Variable Annuities from the US Securities and Exchange Commission
- Fixed Immediate Annuities
- Immediate Annuities - Instant Annuity Quote Calculator Enter your state, age and dollar amount below and get an immediate income annuity quote.
- Advantages & Disadvantages of Immediate Annuities
- How to Create Your Own Pension: A Closer Look at Immediate Annuities
- Low Load Annuities
- Low Cost Variable Annuity only a $20 flat insurance fee through a professional advisor
- Low Load Life Insurance
Investments: Bonds, CDs, and Fixed Income Instruments
Fixed Income: General
- Investinginbonds.com
- Bonds [Investing Basics] from the Motley Fools at Fools.com
- TreasuryDirect
- Individual - Savings Bond Calculator Calculate the value and interest rates of savings bonds you hold
Bonds vs. Bond Funds
- Bonds vs Bond Funds - Which is Best?
- Bonds vs. Bond Funds
- Bond Funds vs. Bonds a comparison from Fidelity
Comparison of CD & money market & other key rates
Investments: Socially, Responsible & Impact Investing ...Environmental, Social & Governance Investing
SRI/ESG: General
- US SIF – The Forum for Sustainable and Responsible Investment: Excellent source to find out about funds and issues
- Mutual Fund Performance Chart screening and advocacy | US SIF
- GreenMoney Journal
- The Boston Area Sustainable Investment Consortium (BASIC)
- Principles for Responsible Investment
- Sustainable Investing | Morningstar
Specific Investments that make a difference
- Kiva.org - Loans that change lives loan money to unique small businesses in the developing world through micro-finance
Investing: Green (also see above Asset class diversification: Clean Energy)Shareholder Activism
- Clean Edge - The Clean-Tech Market Authority
- Fossil Fuel Free Investing Funds
- New Alternatives Fund - A Mutual Fund Investing in Alternative Energy
A principled portfolio by Linda Tucci. Sharon Rich helps a young woman invest in Socially Responsible Funds in a Boston Globe Money Makeover, Dec. 17, 2006Investments:Triviago to top
- 24 Interesting Investing Statistics You Must Know - Financially Simple
- Investor Trivia Guide - Investment FAQ
- U.S. Currency Trivia Quizzes | World Trivia
Home Ownership
General information Mortgages Reverse Mortgages Homestead exemption Determining your home's basis Home Insurance General information
- Buying a Home - HUD
- Title Insurance: What It Is and Why You (Probably) Need It - NerdWallet
- Title Insurance for buyers and sellers | titlegenius
Home Sweet Home: What is the True Cost of Having Your Own Home? - Good Financial Cents®
- How much is your home worth?
- Redfin: Real Estate, Homes for Sale, MLS Listings, Agents
Mortgages: shop your local market
Mortgage: Questions to ask
- Interest rate? What index is it tied to?
- What term? 15 years or 30 years? fixed or variable?
- Prepayment penalty?
- Closing costs?
- Locking in time frame?
- Points? (% of the loan upfront) one type of closing cost.
- What % down?
- Any first time home-buyer programs?
- Avoid PMI (principal mortgage insurance if you put down less than 20%). Alternative, 2nd mortgage
- The Mortgage Professor's Website created by a retired Wharton finance professor to help explain mortgages. Offers tutorials on various different types of mortgages, offers calculators, etc
- The HSH Home Buyers Calculator Suite, Free! Ten useful functions that you'll use whenever you're shopping for a mortgage or other loan
Reverse Mortgages
Homestead exemption
Determining your home's basis
College Planning
It's important to look at a variety of strategies for covering the cost of college
College Planning: General
Scholarship information Financial aid calculators Loans information Saving for college options including 529s
Saving for college options: 529 Plans, UTMA custodial accounts, Coverdell Ed. Savings, Taxable accounts
- Special Report: 529 College Savings Plans | Morningstar
- Savingforcollege.com -- best overall site on 529 plans
- College Planning | The 529 Solution (CNN Money)
- 529 Education Savings Plans That Receive Top Marks | Morningstar
Insurance is not a glamour topic but is a necessary part of financial planning. You need to protect
yourself and your investments
-- Sharon Rich
While the key tenet of buying insurance is that it all should result in a financial loss on average (or else the insurance policy is unsustainable), that doesn’t mean all insurance is a losing proposition. It simply means that insurance should be targeted specifically for those situations where the risk would be so severe and catastrophic that self-insuring is either not feasible or just too disruptive to other goals.
Michael Kitces, Financial Planning, 12-1-14
"Smart Insurance Buying Rule"
Insurance
General information
- A.M. Best's Consumer Insurance Information Center
- State of Massachussetts: Insurance
- C.L.U.E. Report | What Insurance Companies Say About You
Life Insurance
Disability Insurance
- Where to buy life insurance? be sure to comparison shop
- Disability Insurance: Why You Need It - NerdWallet
- Disability Benefits | Social Security Benefits
- How much disability do you need?
Health Insurance, Medicare & Health Savings Accounts
- Health Insurance quotes
- Healthassist - help in healthcare and medical insurance
- Goodcare.com, Expersts in Healthcare Costs
- HSA Accounts
- What Are the Pros and Cons of a Health Savings Account (HSA)?
- Health Savings Account Habits - Fidelity
- HSA - Health Savings Account - Benefits | Fidelity
- Medicare:
- Medicare supplemental plans and Medicare Advantage plans
- Health Insurance Counseling | Mass.gov - SHINE Program, for Massachusetts residents - recommended
- Medicare in Massachusetts: find affordable coverage | healthinsurance.org
- U.S. Medigap plans fall short on protections for pre-existing conditions - Reuters
- Four states protect Medigap applicants beyond the open enrollment period: Connecticut, Maine, Massachusetts and New York.
- Explore your Medicare coverage options
- How to compare Medigap policies | Medicare
- Medicare Part D Prescription Drug Plans: Overview by State
- Medicare Supplement vs Medicare Advantage | Medicare Made Clear
- Hiring someone to help you find a supplemental plan:
Long term Care InsuranceAuto InsuranceHome InsuranceUmbrella Liability InsuranceTrip Insurance
- How to Pick the Best Pet Insurance | Reviews by Wirecutter
- Best Pet Insurance Companies: Reviews & Comparison Tables
- The Best Pet Insurance Companies - NerdWallet
- Best Pet Insurance Companies| Money
- Pet Insurance for Dogs & Cats by Lemonade
Taxes
Taxes: General Payroll Tools Tax Preparation On-Line State Tax Rates Tax Planning Ideas
Taxes: GeneralRetirement Planning
Retirement planning is often the primary reason people go to financial planners.
As life expectancy increases, we need to plan to have
resources to cover our expenses well into our 90s.Roth IRAs & Roth ConversionsSocial Security Projections (See list of financial calculators below)
- Social Security Projections
- Retirement Planner, CNNMoney.com
- Vanguard - Saving for Retirement
- Retirement Calculator & Financial Retirement Planner - T. Rowe Price
- E$Planner - Individuals This sofware tells you how retiring early, switching jobs, building retirement accounts, moving states, downsizing, refinancing, having kids, paying tuition, ... will affect your living standard
Retirement DistributionsPlanning for Retirement
Active Retirement - What to do next
- Life Reimagined
- Don't Retire, REWIRE!, 3E: 5 Steps to Fulfilling Work That Fuels Your Passion, Suits Your Personality, and: Jeri Sedlar, Rick Miners
- How to Retire Happy, Wild, and Free: Retirement Wisdom That You Won't Get from Your Financial Advisor: Ernie J. Zelinski
- The New Retirementality: Planning Your Life and Living Your Dreams...at Any Age You Want: Mitch Anthony
- Owning the Dash: The No-Regrets Retirement Roadmap: Delauney, Anthony C
- Independence Day: What I Learned About Retirement from Some Who’ve Done It and Some Who Never Will: Lopez, Steve
Miscellaneous Articles on Retirement
- Charity Navigator - America's Largest Charity Evaluator*client recommended
- American Institute of Philanthropy - Charity Watchdog Helping Donors Make Informed Giving Decisions
- Give.org: BBB Wise Giving Alliance The BBB Wise Giving Alliance offers guidance to donors on making informed giving decisions through our charity evaluations, various "tips" publications, and publishes the quarterly Better Business Bureau Wise Giving Guide .
- GuideStar Verify a nonprofit's legitimacy, learn whether a contribution will be tax deductible, view a nonprofit's recent Forms 990, or find out more about its mission, programs, and finances.
Finding support around philanthropic giving
- National Center for Family Philanthropy (www.ncfp.org)
- Resource Generation "a national organization that works with young people with financial wealth who are supporting and challenging each other to effect progressive social change through the creative, responsible and strategic use of financial and other resources"
- Women Donors Network National organization of women committed to social change through progressive philanthropy
- Bolder Giving in Extraordinary Times whose mission is to inspire and support people to give at their full potential
- The Haymarket People's Fund
- Life in a Jar: the Irena Sandler Project
- Crowdfunding
- MightyCause– An Online Fundraising Website
Planned Giving
- Planned Giving Definition: What is Planned Giving? - WealthEngine
- What is a Charitable Gift Annuity? | Fidelity Charitable
- Gift Annuity Calculator | National Gift Annuity Foundation
Donor Advised Funds Serving on Non-Profit BoardsMicro-Finance Donating Personal Goods & Determining the Fair Market Value of donated goods Donating you computer ...
be sure to have your computer's memory wiped clean before donating Donating your TimeEstate Planning & Legal Docs
- Will
- Trusts
- Health care proxy
- Durable power of attorney
- Homestead exemption
- Beneficiaries on retirement accounts
- Beneficiaries on life insurance
- Ownership of assets
Financial planning must include planning for the time
when you are no longer
able to care for yourself
or you are no longer here
Estate Planning: GeneralMassachusetts
- Wills and Estate Planning - Nolo
- Estate Planning Links.com - Helpful, Extensive and Organized Estate Planning, Elder Law & Tax Links
- An all-in-one wealth transfer checklist - Fidelity Investments
- Get Your Shit Together | Life and Death Planning: Low effort, high reward
- LivingWisely - Live your best life with insight and intention
- Lasting Matters Organizer
- Final Road Map:The Toolkit for Peace of Mind at End of Life
- Everplans: End of Life and Death Planning Made Easy
Trusts If You Are an Executor, Estate Administrator or Personal Representative of an Estate
- Massachusetts Guide to Estate Taxes
- Massachusetts Estate Tax: Everything You Need to Know - SmartAsset
Health Care Proxy: MASSACHUSETTS
- Checklist for Executors/Personal Representative | Nolo.com
- Massachusetts Probate: An Overview | Nolo
- Duties of a Personal Representative/Executor
Ethical Wills
- Massachusetts Medical Society: Health Care Proxy Information and Forms
- Five Wishes: "The Five Wishes document helps you express how you want to be treated if you are seriously ill and unable to speak for yourself."
HIPAA Release
- The Wealth of Your Life: A Step-by-Step Guide for Creating Your Ethical Will: Books: Susan B. Turnbu
- Randy Pausch's Home Page A Beloved Professor Delivers The Lecture of a Lifetime
Sample Forms:Providing for Your Pets
- How to Plan for Your Pets' Future After You Die | KCM
- Providing for Your Pet's Future Without You - Petfinder
- Providing for Your Pet's Future | the Humane Society of the United States
- All My Children Wear Fur Coats - 2nd Edition: Hoyt, Peggy R
Legal Docs
- Online Vault: Do You Really Need One? | Clocr
- DocuBank.com The Docubank Emergency Card provides immediate access to your healthcare directives and other legal documents, any time, anywhere they are needed. Available at a reduced rate if working with an advisor. To find an advisor, go to napfa.org or check with me.
- Document Vault - My LifeJars
Organ Donation
- How to prepare your digital life for your inevitable death | Popular Science
- How to Prepare Your Digital Life for Your Death | PCMag.com
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Eldercare
ElderCare: General ElderCare: Massachusetts Long Term Care & Insurance ElderCare: Financial Help Elder Care: Legal Help ElderCare: Medications Aging and Dying ElderCare: General
ElderCare: Massachusetts Long Term Care & InsuranceElderCare: Financial Help
- Long Term Care Insurance | Mass.gov
- Cost of Long Term Care by State | Cost of Care Report | Genworth
- Long Term Care Cost Estimator
- ACL: Administration for Community Living
- American Association of Daily Money Managers a membership organization of individuals who provide daily money management services directly to clients
Financial Planning Calculators
- NASD - Investor Information - Tools & Calculators
- Calculators for Investors from the US Securities and Exchange Commission
- Dinkytown Calculators
- Fool.com: Foolish Calculators
- Free Financial Support for Women
- Social Security Administration: Women
- Women's Institute for Financial Education the oldest non-profit organization dedicated to providing financial education to women in their quest for financial independence
- Women Who Money
- Count Me In supports the cause of women’s economic independence
- Women's Bureau US Dept. of Labor. Mission: To improve the status of wage-earning women, improve their working conditions, increase their efficiency, and advance their opportunities for profitable employment
- Massachusetts: Economic Empowerment for Women
- Investing and the Single Women: article by Sharon Rich for On Wall Street
- Women and Retirement: article by Sharon Rich for On Wall Street
Young People & Money
Raising money-aware children Cost of parenting Money Games Children's Books Young People and Philanthropy Allowance
- How to Teach Your Kids to Be Financially Successful
- Children and Money
- Kids | U.S. Mint for Kids
- Jump$tart Coalition Their mission is. to improve the personal financial literacy of young adults; to evaluate the financial literacy of young adults; develop, disseminate, and encourage the use of standards for grades K-12; and promote the teaching of personal finance. The Jump$tart Coalition believes that all young adults need to have the financial literacy necessary to make informed financial decisions.
- TeenVestor Website goals: Teach young people how to become life-long investors; Expose teens to entrepreneurship; Help parents encourage their children to become investors and entrepreneurs; Help teachers expose their students to basic economic and business concepts.
- The Opposite of Spoiled: Raising Kids Who Are Grounded, Generous, and Smart About Money: by Ron Lieber
- Kids, Wealth, and Consequences: Ensuring a Responsible Financial Future for the Next Generation by Richard Morris, addresses issues of raising children with inherited wealth
Cost of parentingMoney Games
- BabyCenter's Cost of Raising a Child Calculator
- Parenting without Guilt; article by Sharon for On Wall Street
Children's Books
- Peter Pig's Money Counter
- 12 of the Best Money Games for Kids – Board Games & Apps
- Games | U.S. Mint for Kids
- The Allowance Game® at Lakeshore Learning
- Hollywood Stock Exchange
- The Berenstain Bears Get the Gimmies (First Time Books(R)): Books: Stan Berenstain,Jan Berenstain
- The Berenstain Bears' Trouble with Money (First Time Books(R)): Books: Stan Berenstain,Jan Berenstain
- Quest for the Pillars of Wealth (A Children's Guide to Growing Rich): Books: J. J. Pritchard
- Bunny Money (Picture Puffins): Books: Rosemary Wells
- Alexander, Who Used to Be Rich Last Sunday Judith Viorst, Ray Cruz: Books
- If You Made a Million: David M. Schwartz, Steven Kellogg: Books
- The Money Tree: Sarah Stewart, David Small: Books
Young People and Philanthropy
- Change for Change aims to create a charitably-minded generation of young adults engaged in philanthropy, always reminding young people that even small change can lead to big changes.
- Resource Generation "a national organization that works with young people with financial wealth who are supporting and challenging each other to effect progressive social change through the creative, responsible and strategic use of financial and other resources"
Allowance and Apps
Money Psychology
Articles
- Your Money, or Your Life? Harvard Magazine (July-August 2008) article about George Kinder
- "Happy Peasants and Miserable Millionaires: Happiness Research, Economics and Public Policy" by Carol Graham of Vox EU
- Money Minded: How to Psychoanalyze the Stock Market | Popular Science
Inheritance
- The Seven Stages of Money Maturity financial advisor and Buddhist teacher George Kinder
- Life Planning for You: How to Design & Deliver the Life of Your Dreams George Kinder, Mary Rowland
- Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence
- What Happy People Know : How the New Science of Happiness Can Change Your Life for the Better
- The Soul of Money: Reclaiming the Wealth of Our Inner Resources: Books: Lynne Twist,Teresa Barker and The Soul of Money Institute: Transforming Your Relationship With Money
- Investor Therapy: A Psychologist and Investing Guru Tells You How to Out-Psych Wall StreetWhat To Do When You Make Mistakes at Personal Development, Dr. Richard Geist & Ririan Project
- The Psychology of Money: Timeless lessons on wealth, greed, and happiness: Housel, Morgan
- Money Harmony: A Road Map for Individuals and Couples: by Olivia Mellan, Sherry Christie
- The Heart of Money: A Couple's Guide to Creating True Financial Intimacy: by Deborah Price
- The Body of Money: A Self-Help Guide to Creating Sustainable Wealth through Innate Intelligence: Colman, Gayle
- Extraordinary Popular Delusions And The Madness Of Crowds (online for free)
- Why do otherwise intelligent individuals form seething masses of idiocy when they engage in collective action? Why do financially sensible people jump lemming-like into hare-brained speculative frenzies--only to jump broker-like out of windows when their fantasies dissolve? ....In fact, cases such as Tulipomania in 1624--when Tulip bulbs traded at a higher price than gold--suggest the existence of what I would dub "Mackay's Law of Mass Action:" when it comes to the effect of social behavior on the intelligence of individuals, 1+1 is often less than 2, and sometimes considerably less than 0. (Amazon.com)
- Navigating the Dark Side of Wealth, a Life Guide for Inheritors by Thayer Willis
- The Challenges of Wealth: Mastering Personal and Financial Conflicts, Domini, Amy, Dennis Pearne, and Sharon Rich, Dow Jones/Irwin, 1988. You can also order the book directly from the author at dpearne@aol.com
- Sudden Money Institute: Financial education, training, research
- The Wealth Conservancy, Inc.
- Family Wealth: Keeping It in the Family - How Family Members and Their Advisers Preserve Human, Intellectual, and Financial Assets for Generations, 2nd, Revised and Expanded Edition (Audible Audio Edition): James E. Hughes Jr., L. J. Ganser
- Beyond the Grave, Revised and Updated Edition: The Right Way and the Wrong Way of Leaving Money to Your Children (and Others): Condon, Jeffery L
- How Not To Tear Your Family Apart: 3 Simple Steps to Start Critical Conversations and Help Your Family and Aging Parents Plan a Financially Stable Future: Golden, Carroll S
Computer Care & ProtectionData protectionSpyware & Virus protection
- IDrive® : Cloud backup solutions for home and business
- Cloud Backup for Windows, Mac | Online Backup for QNAP, Synology | Data Deposit Box Cloud Backup 2021
Car Buying
- Buying vs Leasing a Car | U.S. News & World Report
- Kelly Blue Book Determine the value your car & price new cars:
- Edmunds.com Determine the value your car & price new cars:
- Carfax.com: checks car history
- Autotrader.com, CarsDirect.com Buying used car
- Safercar -- National Highway Traffic Safety Administration (NHTSA)
Gay & Lesbian Issues
- LGBTQ Financial Planning Guide - NerdWallet
- How to Choose an LGBTQ-Inclusive Financial Professional
- LGBT Pride - Lesbian Gay Bisexual Transgender Information AARP
- SAGE NYC SAGE is the country's largest and oldest organization dedicated to improving the lives of lesbian, gay, bisexual and transgender (LGBT) older adults.
- Queercents financial blog serving the LGBT community
- From Pride To Fabulous: LGBT Financial Priorities
- Planning For LGBTQ Couples: Distinct Financial Challenges Persist
- Sharon sited
- "With marriage, gay couples face tax tangles," by Kimberly Blanton, Boston Globe, March 14, 2005
- "Gay marriage solves, creates money issues," by Chuck Jaffe, Boston Globe May 20, 2005
Identity Theft
General Financial Sites
- 360financialliteracy.org general information for managing personal finances
- Mymoney.gov MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education.
- How long should I keep records? | Internal Revenue Service
- MissingMoney.com: database of state unclaimed property records
- National Association of Unclaimed Property Administrators (NAUPA) – The leading, trusted authority in unclaimed property
- Measuringworth.com: Lets you explore different measures of the economy, including inflation, purchasing power, stock growth, and more, using the most reliable historical data available
- Benefits.gov The official benefits website of the U.S. government.
- HumbleDollar OUR GOAL IS TO TELL you everything you need to know about money—all in one place, and without the hype and hollow promises that characterize so much financial writing.
- Careers and Career Information - CareerOneStop
Resources for Planners
- Forefield KnowledgeTrust
- Resources | Karen Chan Financial Education & Consulting, LLC
- Protecting Your Practice (Bloomberg Professional Library)
- Holistiplan
- SS Analyzer
- The taxbook digital tax reference book (and client handouts)
- Nick Murray's newsletter
- Kwanti - Smart Analytics for Data-Driven Advisors
- fpPathfinder
- Advisys Planning Software
- AdvisorRoadmap™ Virtual Training with Bill Bachrach
Philanthropy Tools
- Calendly for easy scheduling and no email back and forth and time blocking.
- VidYard for easy recording of short videos and sending to all Clients simultaneously
- uBlock Origin Ad Blocker
- Toggle Time Tracker
- Textblaze software "Eliminate repetitive typing and mistakes."
- Followupthen (software) "the world's simplest email reminder and personal followup assistant."
Magazines
- Investment News & Analysis for Financial Advisors | ThinkAdvisor- News, Advice, Events & Analysis for Independent Advisors & RIAs
Blogs, Social Networks, & Podcasts
- Covestor.com tracks members' investment records, allowing people to judge their portfolio's performance against the crowd
- Best Personal Finance Podcasts to Listen To | Saving and Budgeting | US News
Financial Blogs (let me know of others you like)go to top
Books
- Personal Finance For Dummies
- Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence
- The Black Swan: Second Edition: The Impact of the Highly Improbable
- Against the Gods: The Remarkable Story of Risk: Peter L. Bernstein
- A Random Walk Down Wall Street: Completely Revised and Updated Edition: Books: Burton G. Malkiel
- Just One Thing: Twelve of the World's Best Investors Reveal the One Strategy You Can't Overlook
- Unconventional Success: A Fundamental Approach to Personal Investment: Books: David F. Swensen *client recommended
- The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns: John C. Bogle
- The Project Gutenberg eBook of The Way to Wealth, by Benjamin Franklin.
- The Automatic Millionaire, Expanded and Updated: A Powerful One-Step Plan to Live and Finish Rich: Bach, David
- The Missing Semester: Your financial choices have consequences. Will you choose wisely?: Natali, Gene:
- Also see the money psychology section
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Money Makeovers
- "Avoiding future debt from holiday present, " by Linda Tucci. Sharon Rich helps a young woman avoid accumulating mroe debt around holiday time in a Boston Globe Money Makeover, Dec. 12, 2004
- "Dreaming of a home -- with hard work ahead,"by Linda Tucci. Sharon Rich helps a young disabled mother think about buying a home in a Boston Globe Money Makeover, Nov. 27, 2005
- "A principled portfolio," by Linda Tucci. Sharon Rich helps a young woman invest in Socially Responsible Funds in a Boston Globe Money Makeover, Dec. 17, 2006
Special Needs Issues
- Able accounts
- ABLE accounts are tax advantaged savings accounts for eligible individuals with significant disabilities, which will become a new financial planning option in 201
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Other Links
- Avoiding telemarketers
- Catalogchoice.org: free service that tries to help you reduce the number of repeat and unwanted catalogs you get through the mail
- Paperbackswap.com: Swap books with other book-lovers - Paperbacks, hardbacks, audio Books, textbooks, and more
- Craigslist.org: Read (and post your own) listings in a huge array of categories, including discussions, services, jobs, housing, childcare, and more
- Freecycle.org: The Freecycle Network - A grassroots and entirely nonprofit movement of people who are giving away (and getting) stuff for free in their own town
- Yellowpagesoptout.com Consumers who don't use the yellow pages directories can opt out of delivery by visiting site
- Yelp.com: Real reviews on what's great (and not so great) in your area, including restaurants, stores, services, and more
- How to reach a customer service person Tells you how to avoid machines & find a human at the end of your phone conversation with companies
Free univesrity courses online
- U Mass Courses
- MIT Courses
- More universities using Open Courseware: OCW Consortium
Phone and video connections
- Venmo - Share Payments
- PayPal Start Accepting Credit Cards Today With PayPal
- First ACH® Online Business Payments Processing and Merchant Services
- PaySimple.com ACH Merchant Accounts, eCheck Processing, Online Payment Processing
- Apple Pay - Apple
- Zelle® | A fast and easy way to send and receive money
- FreeConferenceCall.com.Free Conference Call, Phone Conferencing, Teleconferences
Cheap checks
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