Saving Money and Seeing It Grow
- The Beehive provides information about
a variety of money saving topics, including savings accounts, basic investments,
controlling your debt, and much more.
Tools and Resources for Saving Money
- The American Savings Education council offers a wide variety of tools
and resources for you to learn about saving, interest, encouraging and
preparing youth to save, retirement, savings education programs and events
in your area, and many other related money saving subjects.
Financial Resources for Consumers
- NEFE, the National Endowment for Financial Education, has many resources
for consumers to aid in making informed decisions about finances with
topics such as: financial readiness, financial psychology and lifechanging
events, and raising a money-smart child. Site also has a wealth case kit.
Wealth Building/Individual Development Accounts
America Saves - America Saves, a nationwide
campaign consisting of nonprofit
groups, financial institutions, employers, and government agencies, gives
tips about how to save money, ways to reduce your costs and put more money
in your wallet, and ways to increase the money that you already have.
All About Retirement Planning
- The Ohio State University Extension answers common retirement questions
about how much money you need to retire, how to save for retirement, employer
retirement plans, record keeping, and ways to generate money after retiring.
IRA (Individual Retirement Account)
- This issue of the OSU Extension's publication, "All About Money,"
focuses exclusively upon IRA's, what they are, types of IRA's and how
each works, and conversions between different types.
Start with Mutual Funds
- This edition of "All About Money" provides information about
mutual funds, including how you can make money on them, their objectives,
different types, selecting the best mutual fund for you, and much more.
The Basics of Budgeting
- The Beehive, an educational resource of One Economy, offers introductory
information about budgeting, such as what a budget is and its purpose,
advantages to starting and maintaining a budget, and how it can help control
your spending and debt.
Manage Your Money
- The Ohio State University Extension gives a brief overview of money
management in a six lesson self-study program that includes information
about tracking and planning your spending, identifying any problematic
spending habits that can be eliminated, developing a comprehensive budget,
dealing with occasional expenses, gaining credit control, and organizing
your important financial records.
In Over Your Head: Life Saving
Strategies for Financial Crisis
- Know what to do when you are unable to pay your bills, dealing with
collectors and creditor harassment, developing repayment plans, prioritizing
the payment of debts owed, and downsizing your budget. This website also
provides printable sample documents to help you know what you owe and
to create a down-sized budget.
Some Option$ for Re$ourceful Living
- "All About Money" writes about saving money by using less/substituting,
taking care of what you have, do-it-yourself, and improving shopping skills
to reduce costs of food, transportation, housing, clothing, and medical.
Checking Accounts, Credit, and Credit Cards
- The Beehive provides information about topics including checking accounts,
ATM cards, debit cards, loans, credit cards, and your credit rating.
Practical Money Skills for Life
- Visa has produced this comprehensive financial education website as
a public service for teachers, students, parents, and consumers to access
a wide array of information about saving, budgeting, smart shopping, debt,
identity theft and security, and much more.
Abusive Credit Practices/Predatory Lending Education
What is Predatory Lending? -
The National Training and Information Center provides information about
the basics of predatory lending, including the types of practices predatory
lenders engage in, who they target, and how they impact communities.
from Predatory Lenders -
Learn about how the US Department of Housing and Urban Development (HUD)
recommends you can be a smart, informed consumer rather than a victim
of predatory lending. HUD includes eleven steps on how you can be a smart
consumer, what predatory lending is, and how to recognize the
employed by lenders.
The Housing Center Calendar of Community Educational Events
- The Housing Center, a nonprofit fair housing advocacy organization,
provides a list of workshops in the Cleveland/Northeast Ohio area for
you to learn about fair housing, fair lending, predatory lending, and
other related subjects.
How to Avoid Predatory Lenders -
The American Association of Retired Persons (AARP) offers insight about
financing your home purchase, with information about predatory lenders
and how to avoid them, how to recognize dishonest lending scams, how to
find an honest lender, and what you should do before and after agreeing
to a loan.
Seven Signs of Predatory Lending
- The Center for Responsible Lending gives seven signs of predatory lending
to identify indicators of harmful home equity lending practices and what
to watch for when seeking a loan.
Payday Lending: The Debt Trap
- Payday lending, also called cash advance, is a practice that often provides
loans at extraordinarily high interest rates. The Center for Responsible
Lending includes information about what payday loans are and how they
seek to take advantage of unknowing persons.
Fair Housing Act: Title VIII
- The Fair Housing Act prohibits discriminatory practices in the sale,
rental, and financing of dwellings based on race, color, religion, sex
or national origin. Read the act as it was adopted on the website of the
US Department of Justice.
Fair Housing Government Agencies
Fair Housing Board: City of Cleveland
- The Fair Housing Board of the City of Cleveland was established in 2000
to ensure all Cleveland citizens receive fair and equitable treatment
in purchasing or renting housing or commercial property. See what kind
of ordinances the city has enacted to ensure that the civil rights of
citizens are protected in real estate related transactions.
Ohio Civil Rights Commission
- The Ohio Civil Rights Commission addresses discrimination on the basis
of race, color, religion, gender, national origin, age, and disability
in employment, housing, and public accommodations. Learn about how to
file a charge of discrimination or find a satellite office near you.
of Housing and Urban Development
- The mission of the US Department of Housing and Urban Development (HUD)
is to increase homeownership, support community development and increase
access to affordable housing free from discrimination. Learn about how
HUD ensures equal access to housing, guarantees equal opportunity in all
HUD programs and prohibits, to a limited extent, discrimination in employment
with respect to HUD programs.
US Department of Justice
- The US Department of Justice is responsible for enforcing anti-discrimination
legislation including the Fair Housing Act, which prohibits discrimination
in housing, the Equal Credit Opportunity Act, which prohibits discrimination
in credit, and Title II of the Civil Rights Act of 1964, which prohibits
discrimination in certain places of public accommodation, such as hotels,
restaurants, nightclubs and theaters.
Financing a Major Purchase
Calculators to assist in homebuying
Fannie Mae Mortgage Calculators -
The Fannie Mae Foundation offers several different financial calculators
to help determine the true costs of a mortgage loan, how much house you
can afford, what your monthly payments will be, and if now is a good time
Ginnie Mae Mortgage Calculator -
Ginnie Mae and the US Department of Housing and Development have designed
a calculator to help you determine how much house you can afford based
on your income and monthly debt payments.
General Financial Literacy
Federal Citizen Information Center
- The Federal Citizen Information Center is an all-encompassing website
of the federal government that provides information on a variety of different
topics in addition to finances, housing, and scams/frauds.
Consumer Resources at Bankrate Inc. -
Bankrate Inc. is an Internet consumer finance marketplace that "owns
and operates a portfolio of Internet-based personal finance channels including
banking, investing, taxes and small-business finance." Bankrate provides
information about many consumer topics, such as when to buy a car, mortgage
rates, and savings and loans, in an objective manner.