Legally Secure Your Financial Future
Organize, Communicate, Prepare is a comprehensive series to help you get organized, communicate with others and begin preparing your estate plan.
Investing For Your Future
is an 11-unit home study course that was developed by the Cooperative Extension system for beginning investors with small dollar amounts to invest at any one time. It was assumed that many readers will be investing for the first time or selecting investment products, such as a stock index fund or unit investment trust, that they have not purchased previously. The course units were developed in a logical order. "Basic" topics such as setting goals, investment terms (e.g., diversification, dollar-cost averaging, asset allocation), and finding money to invest lay a foundation to help readers understand how and why they’re investing. After exploring "the basics," the course describes specific types of investments (e.g., stocks and bonds) in detail. Finally, Investing For Your Future concludes with additional topics of use to investors: available resources, how to select professional financial advisors, and information to help you avoid becoming a victim of investment fraud. You can choose to read the entire course, in any order that makes sense to you, or select only those topics that are of most interest.
Whether you are thinking about how to invest for retirement or build a college fund, face issues with purchasing a new home or avoiding foreclosure, or if you want to learn how to handle credit card debt, Michigan State University Extension has experts that can help you. MSU Extension assists individuals, households, organizations and communities to become sustainable through workshops and other education related to financial capability, pre-purchase and foreclosure intervention and more.
eXtension is an interactive learning environment delivering the best, most researched knowledge from the best land-grant university minds across America. eXtension connects knowledge consumers with knowledge providers - experts who know their subject matter inside out.
gives estimates based on your actual Social Security earnings record. Please keep in mind that these are just estimates. It can’t provide your actual benefit amount until you apply for Social Security benefits. And that amount may differ from the estimates provided because:
- Your earnings may increase or decrease in the future.
- After you start receiving benefits, they will be adjusted for cost-of-living increases.
- Your estimated benefits are based on current law. The law governing benefit amounts may change because, by 2033, the payroll taxes collected will be enough to pay only about 75 cents for each dollar of scheduled benefits.
- Your benefit amount may be affected by military service, railroad employment or pensions earned through work on which you did not pay Social Security tax.
Want to improve your personal finances? Start by taking the
Investment Risk Tolerance Quiz
to get an idea of your risk tolerance--one of the fundamental issues to consider when planning your investment strategy, either alone or in consultation with a professional. The more people know about effectively managing their money, the more likely they are to increase savings, successfully buy and maintain homes, and improve their financial health and well-being.
Note: This quiz was developed by two university personal finance professors, Dr. Ruth Lytton at Virginia Tech and Dr. John Grable at Kansas State University. By taking this quiz you will be contributing to a study on measuring financial risk tolerance. Your results will be recorded anonymously. They are not collecting any identifying information.
Want to use credit wisely and pay less to borrow money? Start by taking the
Wise Credit Management Quiz
to assess your current credit-related practices.
-- you make no more charges; and
-- you make only the minimum payment each month.
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