102 Personal Finance Tips Your Professor Never Taught You If you're anything like me, you graduated from college and perhaps even took a finance class or accounting class here or there, but you didn't learn anything about managing your personal finances. In fact, there probably wasn't even an opportunity to take any such class in either high school or college. But if college is partly about training us for a job, shouldn't we learn what to do with the money we earn from a job? Especially in a country where 45% of college students are in credit card debt and 40% of all Americans say they live beyond their means, I think it's time to wise up to some of the challenges of money management. A few (say, 102) simple financial tips can help get your money life (back) on the right track. The Painfully Obvious But Rarely Followed Tips Pay yourself first. Career and Education Get educated. Credit and Loans Get a rewards card. Frugality Buy a used car. Homeowning Upgrade your old bathrooms and kitchens. Insurance Insure yourself against financial ruin. Saving
Get Help — 2-1-1 Texas 2-1-1 , a program of the Texas Health and Human Services Commission in collaboration with the United Way for Greater Austin, is a free, easy-to-use phone number that connects callers anywhere in Texas with health and human service providers in their community. 2-1-1 Texas is for anyone who needs help and doesn’t know where to turn. It is available statewide, 24 hours a day, 7 days a week and is multilingual. 2-1-1 Texas is also the state disaster-information line and can connect callers to disaster-relief resources. 2-1-1 is… Free and confidentialAvailable 24/7Accessible by TTY/TDDMultilingualAccessible from cell phones 2-1-1 call specialists are… Skilled, certified professionalsCulturally sensitive advocatesCompassionate problem solvers 2-1-1 provides information about… HousingClothingHealth CareChild CareEducationEmploymentCounselingGovernment ResourcesVolunteer OpportunitiesDisaster Information
About Payday Loans | PaydayLoans.org Payday loans are short-term loans. The loans range from 13 to 120 days. The most you can borrow is 25% of your gross monthly income or $1000 whichever is less. The finance charges, fees or interest (whichever term you prefer) are extremely high compared to other forms of credit. Here’s an example, let’s say you borrow $300 until your next payday. You write a postdated check or provide checking account access for the next payday, for $345 ($45 in finance charges or the equivalent of 390% in interest). When payback day comes, you either pay directly or the lender cashes the post-dated check or debits your checking account. Following are some of the issues with payday loans: Following are six unsavory business practices used by unscrupulous payday lenders. Less than full or no disclosure of termsFalse advertisingNon-responsivenessDeceptive practicesHarassmentNo loan received but accounts still debited Less than full or no disclosure of terms- One borrower received a cash advance for $350.
Unemployment Benefits Services — Texas Workforce Commission Apply for Benefits Submit an application for unemployment benefits. For help using the online system, view TWC's Apply for Benefits Tutorial You Will Need: Last employer's business name and address First and last dates (month, day and year) you worked for your last employer Number of hours worked and pay rate if you worked this week (including Sunday) Information related to your normal wage Alien Registration Number (if not a U.S. citizen or national) Apply for Benefits Return to Top Estimate Unemployment Benefits To estimate possible Unemployment Benefits, provide wage and pay period information. Wage information for the past five quarters Pay period information for the past five quarters Benefits Estimator Privacy Information Texas Workforce Commission collects personal information entered into electronic forms on this Internet site. Public Computer If you are using a computer in a public place, log off and close the browser when you are finished using this web site.
12 Things Every Teenager Needs To Know About Money (And How To T By Guest Author on April 15, 2009 This is a guest post from Grant Baldwin, the author of Reality Check, a book about helping students transition into the real world. His new website, BrokePiggy.com, answers questions from teenagers about personal finance, savings, and all things money. This series “12 Things Every Teenager Needs To Know About Money (And How To Teach Them)” is a community blog experience. This post is only one of the 12 points in the series so to view the other 11, please visit the list of links below. Two Words: Compound Interest We all remember those days of sitting in a math class listening to a teacher talk about theorems, abstract algebra, or differential equations. When am I ever going to need this? Don’t deny it. Compound Interest. Ok, maybe you still didn’t grasp compound interest then, but hopefully you’ve seen the light by now and wished you did grasp it better back then! Which one of these options would be worth more? Pretty wild huh?
Individual - Savings Bond Calculator Find out what your bonds are worth with our online calculator. The calculator will price Series EE, E, I bonds, and Savings Notes. Features include current interest rate, next accrual date, final maturity date, year-to-date interest earned, and more... To find what your bond is worth today: Click the 'Get Started' Link above or the button at the bottom of this page to open the Calculator. To build an inventory of bonds: Repeat the above process for each of your bonds. To find what your bonds are worth in other months: If you'd like to see what your bonds were worth in the past or will be worth in the near future: Change the 'Value as of' date at the top of the calculator to the desired date. Not sure what data the Calculator is giving you? If you have questions about any of the fields that are displayed, click the 'Help' button at the top of the calculator. Want to save your inventory? Now you can save your inventory so you can update your bond values quickly and easily. See Also:
Oklahoma - Unclaimed Property On July 1, 2000, the State Treasurer assumed responsibility for the state’s Unclaimed Property Program. Every state has an unclaimed property program. The purpose of these programs is to return unclaimed property to rightful owners. Unclaimed property includes everything from jewelry, stock certificates, coin collections and cash. Property is considered unclaimed when there is a lack of activity generated by the rightful owner of the property. Unclaimed Property in Oklahoma is listed on reports published twice each year in newspapers and is now available here: Search For Unclaimed Property. The Uniform Unclaimed Property Act is located in the Oklahoma Statutes at Title 60, section 651 et seq. You can complete the PDF Inquiry Form online but you must print it off, sign it and then send it to us. Administrative Rules
73 Great Debt Elimination Tips | zen habits Post written by Leo Babauta. Last week, I asked you all to give me your best advice for getting out of debt. And boy, did you deliver. More than 70 of you chimed in with some amazing advice, and shared your success stories, and shared your failures. It was overwhelming, and I applaud you all. To take advantage of all the great advice you gave, I’ve compiled a list of the best tips below. It is not a step-by-step guide. There are also contradictory tips. I hope this serves as a valuable resource — let me know what you think in the comments, and feel free to add your tips! Don’t get into debt.
46 Things I Wish My Mom Taught Me About Money + New .COMs $7.99/yr plus 18 cents/yr ICANN fee. Discount based on new one-year registration prices as of 1/27/2012 with sale price reflected in your shopping cart at checkout. Discount applies to new registrations and renewals and cannot be used in conjunction with any other offer or promotion. Domains purchased through this offer will renew at regular price after the initial term has expired. Offer ends May 31, 2012 5:00 pm (MST). † Good for one 1-year registration of any available .COM, .US, .BIZ, .INFO, .NET or .ORG ‡ Annual discounts available on NEW purchases only. 1 GoDaddy.com is rated the world's largest hostname provider according to Netcraft®.