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[Image: Unit 1 image]Navigating Your Way to A New Home - Unit 1
Unit 1 - Complete unit materials cover: renting versus owning, housing priorities, how to evaluate homes and house plans, how to determine housing price limits, how to choose your home-buying professional team, shopping resources, how to negotiate purchase price of home, your housing rights and what needs inspecting prior to purchasing a home.
[Image: Unit 2]Staying on Course with Financial Management
Complete Unit 2 materials cover: Organizing your family finances by setting goals, developing a cash flow worksheet and net worth statement, developing a budget and managing your credit. In addition, find helpful tips on homeowner tax planning, stretching your dollars and saving and preventing identiy theft.
[Image: Unit 3]Sailing Through the Mortgage Process
Unit 3: Understand mortgage terms and loan programs, know the questions to ask before choosing a mortgage and how to shop wisely for one. Be prepared when applying for a mortgage loan and know what will be needed at closing. Also learn how to avoid subprime loans.
[Image: Unit 4]Keeping a Safe Harbor: Maintaining & Protecting Your Home
Unit 4. After the home purchase learn to maintain its value, properly secure and insure your home investment, avoid home repair rip-offs and prevent foreclosure. In addition, learn the life expectancy of your home appliances and home sytems and how to improve the health of your home.
Strategies for Successful Retirement
How much money will you need to retire comfortably? The answer depends on your lifestyle expectations and goals. Other factors to consider include the age at which you plan to retire, your life expectancy, the amount and type of employer benefits (if any) and the amount and growth rate of your savings and investments.
Strategies for Successful Retirement
How much money will you need to retire comfortably? The answer depends on your lifestyle expectations and goals. Other factors to consider include the age at which you plan to retire, your life expectancy, the amount and type of employer benefits (if any) and the amount and growth rate of your savings and investments.
Volunteers Can Claim Expenses On Tax Forms
A number of tax benefits are available to volunteers. Donors and volunteers can deduct out-of-pocket expenses directly related to the services given to a charitable organization if they itemize deductions on their tax returns.
Saving Your Green -- Resource & Finance Conservation
Being frugal is important for managing in tough t.imes, and going "green" with resource conservation can also help the bottom line in your budget.
How to Handle Checking Account Problems
Account verification companies keep track of overdrafts and account closures for banks and credit unions. If you believe there are errors on your record, disputes can be filed with the companies.
Beware of These Common Scams
Scam artists are at work even in a recession. Many scams and frauds count on people being more vulnerable when they are desperate due to hard times. The bottom line, as always, is that if it sounds too good to be true, beware!
Getting More for Your Gas Dollar
Saving money at the gas pump and while driving your car. Some intersting tips for everyone who drives.
[Image: Paying shopping bills]Holiday Spending: Keep Control, Have a Plan
The nation’s financial crisis continues to put constraints on the holiday season. Unemployment rates are high, and budgets are tight. To cope, LSU AgCenter family economist Jeanette Tucker recommends approaching spending this season the way one should every year – with a plan and a budget, even if that budget is shrinking.
Be On Guard When Shopping For Holiday Gifts Online
Online shopping in the United States rises approximately 30 percent each holiday season because it can save time, money and effort. But sizing up your finds on the Internet is a little different from checking out items at a mall or shop, says LSU AgCenter family economist Dr. Jeanette Tucker.
Prepare For Holiday Purchase Problems
Problems occasionally occur with items purchased as holiday gifts, but being prepared to handle those problems can go a long way in making the season more festive for you, says LSU AgCenter family economist Dr. Jeanette Tucker.
Homebuyer Education Graduates Achieve Their Dream
View the story of one couple's path to achieving their "American Dream" of owning a home. Graduates of the "Charting Your Course to Homeownership" homebuyer education program relate their successful journey.
Homebuyer Education Program Graduate Succeeds
View the inspiring story of one family's journey from losing their home in Hurricane Rita to becoming the proud owners of a home of their own after completing the "Charting Your Course to Homeownership" homebuyer education program.
Pet Ownership Costs
Pet care costs become even more of an issue during a recession. Before adding a new pet to your family, assess what you can afford based on annual cost estimates for various types of pets.
Financial Security in Tough Times
Some helpful tips from the experts to help you get through the recession.
Job Interviews and Clothes
Job interviews can be a challenge for most of us, and finding a job during a recession can be even more challenging than usual. Here are some tips on how to dress to make the best possible first impression when you do get a job interview.
[Image: SAIL Take Charge of Credit]Take Control of Your Credit
Materials covered in the Saving and Investing for Life; Take Control of Your Credit unit include how to obtain, read and analyze your credit report and understanding your credit score. Also includes information regarding the Credit CARD Act of 2009.
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