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Financial Resources and Links

 

red dot Finding a financial planner Cash Flow, Credit & Debt Management
red dot Investments Home Ownership
College Planning/Financial Aid Insurance & Risk Management
Taxes Retirement Planning
Philanthropy and Non-Profits Estate Planning & Legal Documents
Eldercare Financial Calculators

Other area of interest
 
red dot Women & Money red dot Young People & Money red dot Money Psychology
red dot Computers red dot Car Buying red dot Gay & Lesbian Issues
red dot Identity Theft red dot General Financial Sites red dot Resources for Planners
red dot Books red dot Money Makeovers red dot Special Needs Issues
red dot Other Links red dot Blogs, Social Networks and Podcasts red dot Boston area

 

 
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
Check out your potential advisor Investment Adivisor Public Disclosure - Investment Adviser Search

Divorce specialists:
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

 
red dot Financial Spreadsheets
red
                        dot General Information and Managing Money
red dot Banks, Rates and On-Line Savings
red
                        dot Loan Rates
red
                        dot Credit Cards
red dot Debt Management
red dot Credit Reports
red dot Saving and Spending
red
                        dot Job Tools
 
Download Financial Spreadsheets for 
General Information and Managing Money Banks, Rates and High Interest-bearing online accounts
Comparison of loan rates
  • Bankrate
  • LowerMyBills Refinance Mortgage, Home Loan, Home Equity, Home Purchase, Debt Consolidation , Compare Credit Cards
Credit Cards
Debt ManagementDebt
                  Sucks Goodies
Credit Reports
Residents of Massachusetts are entitled to one free credit report a year from each of the three primary credit bureaus.
Saving and Spending
Job Tools
  • Reasonable Compensation   Find out compensation and benefits for various job positions. Can be used to justify reasonable compensation for an employee
  • See more tax & payroll tools below -- Payroll Taxes

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Investments

 
red dot Investments: General
red dot Investments: Asset Allocation
red dot Investments: Mutual Funds
red dot Investments: Annuities
red dot Investments: Bonds, CDs & Fixed Income Instruments
red dot Investments: SRI & ESG Investing
red dot Investments:Trivia
 

 
Investments: General

 
red dot Comprenhensive Sites
red dot Investing Support
red dot Market Index Statistics
red dot Discount Brokers
red dot Low Cost Investment Management Firm s
The longer you have to invest, the more risk you can afford to take.  
Comprenhensive Sites

Investing Support
Market Index Statistics
Discount Brokers
Low Cost Investment Management Firms

Investments:Asset Allocation

red dot Asset allocation:General
red dot Large Cap versus Small Cap
red
                          dot Asset class diversification: Foreign Real Estate
red
                          dot Asset class diversification: Water
red
                          dot Asset class diversification: Clean Energy
red dot Asset class diversification: Gold
red
                          dot Asset class diversification: Further Diversification

It is important to plan your asset allocation and rebalance portfolios annually
Asset allocation:General  

Asset allocation: large cap versus small cap   
Asset class diversification: Foreign Real Estate

Asset class diversification: Water Asset class diversification: Clean Energy Asset class diversification: GOLD
Asset class diversification: FURTHER DIVERSIFICATION

Investing: Mutual Fund

A diversified portfolio of mutual funds can be the core of most individual investor's portfolios
Index funds
Exchange Traded Funds

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Investments: Annuities
 
Annuitiy Basics

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Investments: Bonds, CDs, and Fixed Income Instruments
 
Fixed Income: General
Bonds vs. Bond Funds
Comparison of CD & money market & other key rates


Investments: Socially, Responsible & Impact Investing ...Environmental, Social & Governance Investing 
SRI/ESG: General
Specific Investments that make a difference
Investing: Green (also see above Asset class diversification: Clean Energy) Shareholder Activism

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

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Home Ownership


red dot General information
red dot Mortgages
red dot Reverse Mortgages
red dot Homestead exemption
red dot Determining your home's basis
red dot Home Insurance
 
General information
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
 
Reverse Mortgages

Homestead exemption
Determining your home's basis

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It's important to look at a variety of strategies for covering the cost of college
College Planning
 
red dot College Planning: General
red dot Scholarship information
red dot Financial aid calculators
red dot Loans information
red dot Saving for college options including 529s
General information
Scholarship information

Financial aid

Loans information

Saving for college options: 529 Plans, UTMA custodial accounts, Coverdell Ed. Savings, Taxable accounts

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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

red dot Insurance Company Ratings
red dot Life Insurance
red dot Disability Insurance
red dot Health Insurance
& Health Savings Accounts
red dot Long term Care Insurance
red dot Auto Insurance
red dot Home Insurance
red
                        dot Umbrella Liability Insurance
red
                        dot Trip Insurance
red
                        dot Pet Insurance
red
                        dot Professional Liability Insurance
General information

Life Insurance
Disability Insurance

Health Insurance, Medicare & Health Savings Accounts

Long term Care Insurance
Auto Insurance
Home Insurance
Umbrella Liability Insurance
Trip Insurance
Pet Insurance
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Taxes

red dot Taxes: General
red dot Payroll Tools
red dot Tax Preparation On-Line
red
                      dot State Tax Rates
red dot Tax Planning Ideas

Taxes: General
Payroll Tools
Tax Preparation On-Line
State Tax Rates Tax Planning Ideas 
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Retirement Planning

red dot Retirement accounts & Contributions
red dot Social Security: projections & when to take it calculators
red
                      dot Retirement Calculators
red
                      dot Retirement Distributions
red
                      dot Planning for Retirement
red
                      dot What to do in Active Retirement
red dot Miscellaneous Articles on Retirement
 
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.
 
Retirement accounts & Contributions
        Roth IRAs & Roth Conversions
Social Security Projections (See list of financial calculators below)
Some specific calculators - play around with several of them:
  • 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 Distributions Planning for Retirement Active Retirement - What to do next Miscellaneous Articles on Retirement

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Philanthropy & Non-Profits
 
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                      dot Charitable giving: general
red
                      dot Evaluating the places you give to
red
                      dot Finding support around philanthropic giving
red
                      dot Organizations of interest
red
                      dot Donor Advised Funds
red dot Serving on Non-Profit Boards
red
                      dot Micro-Finance
red dot Donating Personal Goods
red dot Donating you computer
red
                      dot Donating your Time

Charitable giving: general
Evaluating the places you give to

Finding support around philanthropic giving

Organizations of interest
Donor Advised Funds Serving on Non-Profit Boards Micro-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 Time

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 Estate Planning & Legal Docs

 
ESTATE PLANNING CHECKLIST :
  • 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
 
 
red dot Estate Planning: General
red dot Estate Planning: Massachusetts
red
                        dot Trusts
red
                        dot Executor or Estate Administrator
red
                        dot Health Care Proxy: MASSACHUSETTS
red dot Ethical Wills
red
                        dot HIPAA Release
red
                        dot Providing for Your Pets
red
                        dot Homestead exemption
red
                        dot Legal doc organizing 
red dot Organ donations
red
                        dot Digistal Lock Boxes

Estate Planning: General Massachusetts Trusts If You Are an Executor or Estate Administrator  Health Care Proxy: MASSACHUSETTS Ethical Wills HIPAA Release
 
Sample Forms:
Providing for Your Pets
Legal Docs

Organ Donation
Digital Lock Box

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Eldercare

red dot ElderCare: General
red dot ElderCare: Massachusetts
red
                      dot Long Term Care & Insurance
red
                      dot ElderCare: Financial Help
red
                      dot Elder Care: Legal Help
red
                      dot ElderCare: Medications
red
                      dot Aging and Dying
 
ElderCare: General
ElderCare: Massachusetts Long Term Care & Insurance ElderCare: Financial Help
ElderCare: Legal Help
ElderCare: Medications Aging and Dying

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Financial Planning Calculators

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Women & Money

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Young People & Money

 
red
                      dot Raising money-aware children
red
                      dot Cost of parenting
red
                      dot Money Games
red
                      dot Children's Books
red
                      dot Young People and Philanthropy
red dot Allowance
 
Raising money-aware children
  • Dollars and Sense for Kids overview of issues to think about with your children and links to other resources
  •  Institute of Consumer Financial Education -The ICFE/Kids sections offers money tips for young Americans, financial information and education resources, a credit education course for high school seniors and college students, education and information on the dangers of debt accumulation while young, savings and investment information, first-time credit information and financial planning education.
  • 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.
  • Share, Save, Spend   Mission: To help youth and adults achieve financial sanity by developing and maintaining healthy financial habits. Goal: To provide concrete, actionable tools that help people shift effectively from a spend-centric mode to one that balances spending with saving and sharing.
  • 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.
  • TheMint.org - Fun Financial Literacy Activities for Kids, Teens, Parents and Teachers
  • 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 parenting Money Games Children's 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

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Money Psychology

Psychology: General
Articles       Books Inheritance

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Computer Care & Protection
 
red
                      dot Data protection
red
                      dot Spyware protection
red
                      dot Virus protection
red
                      dot Web hosting
red
                      dot Other Computer Resources
 
Data protection Spyware & Virus protection
Web hosting & Blog sites

Other Computer Resources

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Car Buying

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Gay & Lesbian Issues

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Identity Theft

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General Financial Sites 

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Resources for Planners
Philanthropy Magazines
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Blogs, Social Networks, & Podcasts

Financial Blogs (let me know of others you like)

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Books

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Money Makeovers

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Special Needs Issues
 

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Other Links
Free univesrity courses online
Setting up direct payments or credit card payments (for businesses or non-profits)
Cheap phone connections
Cheap checks

Boston area

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Home Tools Services Background

 






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last updated 6-19

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