Supporting New Adults in their Careers

Financial Resources - Financial Terms and Tips

1. 360 Degrees of Financial Literacy: http://www.360financialliteracy.org - This site, a volunteer product of certified public accountants focuses on personal financial literacy for Americans.

2. Money Smart - A Financial Education Program: https://www.fdic.gov/consumers/consumer/moneysmart/ - This curriculum (also available in Spanish) was created to help low  and moderate-income individuals outside the financial mainstream enhance their financial skills and create positive banking relationships

3. MyMoney.Gov: http://www.mymoney.gov/Pages/default.aspx - A government learning tool focusing on earning, borrowing, saving and investing.

4. Wi$eUp: Financial Planning for Generation X & Y Women: http://wiseupwomen.tamu.edu/ - Developed by the US Dept. of Labor Women’s Bureau and geared towards Generation X and Millenial Women.

 

Financial Resources - Credit, Financial Safety and Identity Protection

1. Annual Credit Report: https://www.annualcreditreport.com/index.action - Federal law allows for one free credit report a year from all three major credit reporting agencies. This source provides access to that report.

2. Credit Reports and Credit Scores: https://www.federalreserve.gov/creditreports/pdf/credit_reports_scores_2.pdf - This provides a consumer guide to credit reports and scores, including FAQ and tips.

3. Federal Trade Commission - Consumer Information: https://www.consumer.ftc.gov/ - This government site offers scam alerts, a consumer complaint form, and a portal for retrieving the free annual credit check.

4. Credit Karma: https://www.creditkarma.com/ - This website offers a truly free credit check service, offering credit reports based on TransUnion and Equifax reports. 

 

Financial Resources - Accounts

1. Bankrate: http://www.bankrate.com/ - This site provides an easily comparable guide to rates for bank accounts and loans (including student loans).

2. Choose to Save: http://www.choosetosave.org/calculators/ - This site offers a comprehensive list of financial calculators, including those focused on budgets, credit cards, and savings accounts.

3. Credit Card Agreements and Surveys: http://www.consumerfinance.gov/data-research/credit-card-data/ - A full service database of credit card agreements

4. HelpWithMyBank.gov: http://www.helpwithmybank.gov/ - Thai website provides answers regarding credit cards, bank accounts and mortgages

 

Financial Resources - Income Taxes

1. Internal Revenue Service (IRS): https://www.irs.gov/ - The official website of the IRS and will provide tax information, terms and forms needed to complete taxes.

2. Investopedia: Taxes Terms: https://www.investopedia.com/categories/taxes.asp?page=2#axzz2BMmdXRMM - This guide provides a list of tax terms that new adults might not know

3. Taxpayer Advocate Service: https://www.irs.gov/advocate - Provides assistance for people having tax troubles

4. Understanding Taxes - Student: https://apps.irs.gov/app/understandingTaxes/student/index.jsp - This guide provides information for students in learning about their taxes. 

 

Financial Resource - Finding Housing

1. HUD (U.S. Dept. of Housing and Urban Development): https://www.hud.gov/topics/buying_a_home - This website from the U.S. Government HUD Department provides information on everything from figuring out what you can afford, shopping for a loan, home buying programs, how to create wish lists for what you want, making an offer and more.

2. Embrace Home Loans - 50+ Resources for First Time Home Buyers: https://blog.embracehomeloans.com/50-resources-for-first-time-homebuyers/ - This is a loan website so obviously they want to promote their business but they do provide a lot of helpful links and tips for first time home buyers including information on VA loans, down payments, budgeting and closing.

3. Rocket Mortgage - 13 Tips for First Time Home Buyers: https://www.rocketmortgage.com/learn/first-time-home-buyer-tips?QLSource=RMTextLink.xml - Like No. 2, Rocket Mortgage ultimately wants you to use their service. However, they provide great tips and information on preapproval, types of loans and all the things associated with closing. 

4. Apartment List: First Time Apartment Renter’s Guide: 20 Step Checklist: https://www.apartmentlist.com/renter-life/first-time-renter-apartment-guide-checklist - Not ready to buy a house? This guide from Apartment List provides helpful tips and information including a rent calculator.

5. Bungalow: How to Rent Your First Apartment - A Step-by-Step Guide: https://bungalow.com/articles/how-to-rent-your-first-apartment-a-step-by-step-guide - Another great guide with resources on understanding lease terms, security deposits and more.

 

Financial Resources - Programming Ideas

• Financial Basics Workshops

-  Opening Bank Accounts, Writing Checks, Using Credit Cards

- Balancing Your Checkbook, Planning a Budget

- Paying Taxes

- The Truth about Loans (Student and otherwise)

- First time home buyer workshop 

- Others?