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Resource Guide Financially

Resource Guide Financially

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Published by apalaciosp70
The Tools You Need To Empower Yourself Financially
The Tools You Need To Empower Yourself Financially

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Published by: apalaciosp70 on Jan 11, 2010
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04/08/2011

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 Educational Resources
The Tools You NeedToEmpower Yourself Financially
 
 Table of ContentsA
1. Asset Allocation2. Automotive Expenses3. Autos: Buying vs. Leasing4. Autos: New vs. Used
B
5. Bad Checks6. Bankruptcy7. Budget- Money Saving Tips8. Budget Planning9. Budget Spending Percentages10. Budget - Worksheet
C
11. Child Support12. Collections13. College Education Savings14. Coping with Job Loss15. Co-signing for Credit16. Credit Cards – Accelerate Your Pay-off 17. Credit Reports18. Credit Report Disputes19. Credit Scores
D
20. Debt Settlement21. Disputing Credit Charges
E
22. Educating Kids23. Education Expenses24. Emergency Fund25. Establishing Credit26. Eviction Process
F
27. Fair Credit Billing Act (FCBA)28. Fair Credit Reporting Act (FCRA)29. Fair Debt Collection Practices Act (FDCPA)30. Foreclosures31. Frugal Living
G
32. Garnishments
H
33. Holiday Saving Tips34. Home Equity Refinancing35. Home Mortgages
I
36. Identity Theft37. Identity Theft Prevention38. Insurance39. Interest-only Loans40. Investment Options
J
41. Job Search42. Judgment
L
43. Loan Calculator 
M
44. Marriage, Divorce & Debt45. Medical Savings Account
O
46. Opt Out
P
47. Payday Loans48. Prioritizing Debts
R
49. Renting vs. Buying a home50. Repossession51. Retirement Savings52. Reverse Mortgages
S
53. State Abbreviations Listing54. Student Loan Information - Repayment55. Student Loan Information - Types
T
56. Tax Tips – Charitable Donations57. Tax Tips - General58. Truth in Lending Act
U
59. Unsecured Personal Loans60. Utilities
V
61. Vacationing on a budget
W
62. Wants vs. Needs
Ctrl. 75 Rev. 3 1/31/05
 
 Asset Allocation
Asset allocation refers to the way in which a person (an investor) chooses how to divide their investments. An asset can refer to stocks, bonds, real estate, and cash. The division is determinedby the needs of the individual. The goal is to maximize investment return.Investors who have an investment plan through their company, such as a 401(k), a 403(b) or a 457,may inquire with the plan administrator (usually a bank or stock broker) for information on allocationoptions. By anticipating the amount of desired return, the administrator will be able to advise how toallocate, based on past performance. For those with individual retirement accounts (IRAs) directlythrough a financial institution, inquire with the branch manager for assistance.There is also the option of obtaining an “asset allocation fund” which is specifically designed toaccomplish the goal of allocation on its own. These funds invest in a variety of different areas toprovide the investor with the desired result of diversity, without the hassle of purchasing a hugeamount of funds separately.Allocating assets is a complicated process requiring in-depth knowledge. The best course of actionwhen considering changing your allocation is to consult with a professional. Do not rely onpublications even if you feel they are from reputable companies. Financial information changesfrequently, and publications can be outdated even if new.
Websites that can provide additional information:
www.investorwords.com www.investorhome.com www.gofso.com 
The websites listed are for informational purposes only. Debtscape Inc. does not endorse nor promote these companies. This information is provided as a courtesy resource, and is not intended to replace consultation with an industry professional.
 

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