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• Planning for Retirement While You’re in the Military
  Whether or not you, or your spouse, are considering a full career in the military, it is important to think about, prepare and plan for your retirement years. While it can seem like it is very far off and your everyday needs and wants are more important, starting to save for retirement now – even in
• I don't really need to worry about saving and investing enough now for my retirement. If it isn't enough, I'll just have to keep working no matter how old I am.
  Regardless of whether you have saved enough money to retire, it is very likely that at some point in your life you simply either will not be able to work or there will be no work opportunities. Yes, people are working at jobs later into life, delaying retirement or gradually working their way into f
• Getting Married
  Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 25-year-old teacher earning 28,000 a year.. Scenario: Jennifer and Kevin are a newly engaged couple, living in Colorado, beginning to plan their wedding. Jennifer is a 2
• Financial Tools
  In addition to insurance benefits your employer will likely offer various financial tools that you can use to reduce your taxable income and save for your short-term needs and long-term goals. Health Spending Accounts Healthcare spending accounts provide you with a way to pay for health care expense
• Retirement Planning Worksheet
  OBVIOUSLY, DECIDING how much money you need for retirement is a highly personal calculation. It depends on any number of factors, from your current lifestyle to your general state of health to whether you plan to retire early.. OBVIOUSLY, DECIDING how m
• Which IRA Is Best?
  IRAs offer you a way to create tax-advantaged retirement savings. But with three flavors to choose from - Roth, deductible or nondeductible - figuring out which IRA is the most appropriate for your retirement savings and investment plan can be confusing.. IRAs offer you a way to c
• Choosing The Best Health Plan
  AS EMPLOYERS CONTINUE TO shift more of the financial burden to their employees, the cost of health care is projected to rise at a double-digit pace (10.1% for the average worker from 2007 to 2008, according to benefits-consultant Hewitt Associates.. AS EMPLOYERS CONTINUE TO shift more of the financi
• Retirement
  Do you have a plan for your retirement?  Whether you are a few years or a few decades away from leaving the workforce it’s never too late begin making choices to ensure that you have the resources you’ll need to enjoy your retirement years. Although retirement planning can seem complicated there are
• Create or Update Your Wills
  While no one particularly likes to think about their eventual death, it is incredibly important that both you and your spouse have wills drawn up to specify what you want to happen when you pass away. It is estimated that nearly 70% of all adults die without a will.. While no one particularly
• Borrowing Against Your Retirement Savings
  While experts don’t recommend tapping into your retirement savings for any reason- because you are putting savings and potential interest and growth opportunities at risk- you may be considering this as one of your only options. Before you do anything, let’s look at what’s involved in borrowing agai
• Financial Issues and Concerns
  One of the top reasons that most families give for merging households is economic pressure and an inability to afford more than one household. This situation is compounded if families are suddenly faced with an additional setback such as a divorce or a family member getting ill, losing a job or beco
• Compound Interest Calculator
  If you want to know how much an investment will grow over a set period of time, use our compound interest calculator. Compounding is when the interest you earn on the money you invest begins to earn interest.. If you want to know how much an investment will grow over a set period of t
• Where do I start?
  You'll need to file two separate tax forms - federal and state income taxes. You can get tax forms online at . You'll need to file two separate tax forms - federal and state income taxes. You can get tax forms online at www.irs.gov/formspubs , through the IRS p
• FDIC Bank Deposit Insurance – What It Is and What You Should Know
  With the recent news of a handful of banks failing people are increasingly concerned about the safety of their bank deposits. How can you know if your money is safe when you deposit it into a bank and if your bank does fail, how much of your money does the FDIC insure? The FDIC (Federal Deposit Insu
• Steps to Take in Your 30s and 40s
  At this stage of your life you have probably settled into a career and have a few thoughts about where you would like to be personally, professionally and financially in your future. This is also a stage where you may begin making some significant choices and investments such as returning to school
• The Young Couple
  Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in nursing school and also works part-time as a nursing assistant at a local hospital.. Scenario: Marcus and Julie, both 27, live in Tennessee and have been married for a year. Julie is in
• I have a pretty good budget, but....
  Ultimately, you'll need to decide for yourself what financial goals are most critical for you to reach. Everyone's financial planning methods are different…personal.. o decide for yourself what financial goals are most critical for you to reach. Everyone's financial planning methods are different…personal. Following
• Asset Allocator
  ASSET ALLOCATION is a crucial first step in creating a well-diversified portfolio. The worksheet below will help you tailor your asset mix to your own particular needs.. ASSET ALLOCATION is a crucial first step in creating a well-diversified portfolio. The worksheet bel
• Should You Borrow from Your 401(k) or 403(b)?
  These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b) plan participants can too.. These days more than 85% of workers with 401(k)s can borrow money from their retirement plans. And a growing portion of 403(b
• Work and Child Care
  Perhaps the biggest question facing soon-to-be parents is what they will do regarding their current employment and caring for their newborn. If both you and your spouse are working to earn an income, you’ll need to figure out how you will care for your child until s/he is school-age..
• Investing
  Many of us do not think of ourselves as investors. We may have created a budget and watch our spending; we may have savings accounts—or even a checking account that earns interest – but we may not have begun investing our savings because we haven’t mentally crossed the line from being a saver to bei
• Benefits
  Self-employed people have to provide their own benefits, including health insurance and retirement plans that may once have been provided by employers. If you have other employees, you may need to offer benefit plans to them as well.. Self-employed people have to provide their own ben
• Ready to Buy a Home
  Scenario: Malcolm and Gayle are a young couple living in Iowa. Both have full-time jobs earning a combined annual salary of 80,000.. Scenario: Malcolm and Gayle are a young couple living in Iowa. Both have full-time jobs earning a combined annual salary of 80,000. Their main monthl
• Caring for Dad
  Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago and had to be moved to a nursing home.. Scenario: Bill is 54, married with 2 kids and living in Michigan. His father, John, a widower, suffered a stroke 6 months ago
• A Divorcee
  Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorce from her husband of 4 years.. Scenario: Jill is a 30 year old public relations assistant living in Massachusetts. She is in the process of getting a divorc
• Can You Afford Not To?
  You may find that starting your business is more of a necessity than a choice. If your employer closes or moves and you don’t have many other job opportunities in your area, working for yourself may be your only option.. You may find that starting your business is more of a necessity than a choi
• Saving
  Saving money is not something that we, as Americans, are very good at. In fact the U.. hing that we, as Americans, are very good at. In fact the U.S. Department of Commerce reported that America’s personal savings rate is the lowest in the industrialized world. .Saving money is a critical habit to develop a
• A Widow
  Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, she had to return to the work force full-time.. Scenario: Marilyn is a 51-year old widow, living in Delaware, supporting two teenagers. When her husband died unexpectedly, s
• Investing
  One of the most common questions single women have as they begin taking control of their finances is “how do I become an investor? Too often women are under the wrong impression that there is some sort of “one size fits all” way to invest. There isn’t.. estions single women have as they begin taking con
• SmartMoney 401(k) Planner
  The goal of participating in your employer’s 401(k) retirement savings program is that it will grow over time so that when you’re ready to retire you’ll have the money you need to do so. Our 401(k) calculator can help you see how your retirement savings will grow — and how long you can expect that m
• How Long Will My Money Last?
  IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Our calculator will help you figure how long your investments will last.. IT SEEMS these days that everybody wants to retire by the age of 45. Is it just wishful thinking? Ou
• The Single Woman
  Scenario: Rosa is a 40-year old single woman living in Rhode Island. She is a manager of media development for a large Fortune 500 company.. Scenario: Rosa is a 40-year old single woman living in Rhode Island. She is a manager of media development for a large Fortune 500 company. She earns
• Start Out Smart! 7 Money Moves to Make Now
  Congratulations – you have a job! Your first full or part-time job can be exciting, overwhelming and scary…all at the same time. The biggest benefit is of course having a real paycheck! Before you run out and spend that entire first paycheck, there are a few wise financial “first moves” you should c
• Figuring Out the “What Ifs”
  Although this is a very exciting, hopeful time for you as a couple it’s important to talk about, and make contingency plans for, things that none of us particularly want to consider but need to be discussed. These include… Thinking about a prenuptial agreement. While it can seem extremely unromantic
• 10 Great Things to Do with Your Tax Refund
  According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly 2,500. Do you anticipate receiving a refund? If so, don’t just rush ahead and spend it.. According to the IRS nearly 75% of all Americans will get a tax refund this year, averaging nearly
• Tax Changes that Could Affect Your 2008 Federal Income Tax Bill
  There are a few new changes to the tax law that could affect your 2008 federal income tax bill. These changes are important to know about especially if you’re preparing your own taxes.. There are a few new changes to the tax law that could affect your 2008 federal income tax bill. Thes
• Making Work Pay Tax Credit Boosts Take-Home Pay for Workers, Provides $250 Benefit for Retirees
  The Obama Administration’s American Recovery and Reinvestment Act stimulus package includes a temporary two-year “Making Work Pay” tax credit. The credit will provide working individuals with a little more money in their paychecks in 2009 and 2010.. The Obama Administration’s American Recovery and R
• Grandparent with Grandchild
  Scenario: Olivia is 72 year old retired widow living in Nevada on her Social Security benefit and her husband’s pension. She has always lived modestly and was sure she would be okay in retirement.. Scenario: Olivia is 72 year old retired widow living in Nevada on her Social Security benefit and he
• Steps to Take in Your 50s and 60s
  You are now at a transitional point of life where you need to realistically assess what you have and what you need going forward: Re-evaluate your retirement needs with our retirement calculator Evaluate how your assets are allocated and work with a financial professional to ensure that your investm
• Earning
  You may have one sole source of income or you may have many different “streams” of income – such as part-time jobs, seasonal work, alimony, settlement income, etc. In large part your financial security will depend on your ability to obtain jobs that will provide you with adequate income and benefits
• Similarities between Health and Money
  Let’s consider some of the similarities between your health and your money, and then address small ways that you can begin making positive steps in both areas. Barbara O’Neill and Karen Ensle at Rutgers University have identified some interesting, practical similarities between money and health and
• The Single Male
  Scenario: Steve is a 32-year old single male, working as an accountant for an oil drilling firm in Texas. He has been with the company for 2 years and currently earns 48,000 about 39,000 after taxes.. Scenario: Steve is a 32-year old single male, working as an accountant for
• My family never had money when I was growing up, but my parents did okay.
  All of us have a “financial past” and for most of us our present-day views on money were, to a smaller or greater extent, built upon that past. But times change.. All of us have a “financial past” and for most of us our present-day views on money were, to a smaller or greater extent, bui
• A Baby on the Way
  Scenario: Eddie and Ellen are both in their early 30s, have been married for 3 years and are living in Connecticut. They bought Ellen’s grandmother’s house when she decided to downsize.. Scenario: Eddie and Ellen are both in their early 30s, have been married for 3 years and are living
• Planning Your Exit
  Setting clear goals for your business involves having some end in sight, even if that’s your own retirement. You may want to build a business that can someday be sold to a competitor or even taken public in a stock offering (in which case it has to be quite big and quite stable).
• What's New This Month
  July '09 : IOUs Issued by the State of California Strapped for cash, the state of California has started issuing more than 3 billion in IOUs to businesses, individual tax payers and county governments to whom it owes money. California state government officials have indicated that the IOUs – which
• How Much Interest Will You Pay?
  DOES YOUR credit card balance keep inching upward? Then before you charge one more thing, you should assess the cost of that debt. A balance of just 5,000 at 15% will cost you 421 in interest if you manage to pay it off within a year..
• How Much Should You Save?
  FIRST, THE BAD NEWS: If you have dreams of sending your newborn child to Harvard, you'll have to raise a small fortune to foot the bill. Now, the good news: Thanks to the emergence of 529 plans, saving for college is easier than ever.. FIRST, THE BAD NEWS: If y
• I've gotten myself into a financial mess.
  Have a few late bills? Do you chronically miss credit card payments? Have you defaulted on a loan? Having a poor credit history can wreak havoc when trying to plan for your future. For example, you may end up being turned down for loans or you may be approved for a loan, but at a higher interest rat
• In a Tough Economy, the Federal PLUS Loan May Give Parents Extra Cash Needed for a Child's College Tuition
  If you have a son or daughter in college, the recession may have impacted your savings and investments at a time when you were depending on those resources to pay for college. With lenders tightening up requirements to qualify for personal or home equity loans you may be looking for other financial
• Making Plans for Next Year's Taxes
  After you've hit "send" or dropped your completed tax forms in the mail, take a little time to set yourself up to not find yourself in "tax panic" come next year. Consider creating a budget.. After you've hit "send" or dropped your completed tax forms in the mail, ta
• Financial planning, saving and investing isn’t really my thing. I believe it's better to simply live for today. You don’t know what will happen tomorrow anyway.
  Many people fear dealing with financial issues, feel overwhelmed at the thought of managing their money, are convinced that they don’t have the skills needed to create their own financial security, or don’t think it will matter anyway. The truth is that not only do you have the basic abilities neede
• Eleven Steps Single Moms Need to Take
  Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and taking them places, responding to emails …. Single moms have mastered the art of multi-tasking. Working, making phone calls, vacuuming, paying bills, feeding kids and ta
• Financial Planning for Unmarried Couples
  Emily and Roberto had both weathered difficult first marriages but after dating for a year they were confident enough about the relationship to move in together. They’re both quick to fend off questions from well meaning friends about when they. Emily and Roberto had bot
• It's too late for me to start.
  Nonsense. You know the tired bumper sticker “It's never too late to have a happy childhood” Well, it's true that it's never too late to start saving and investing.. red bumper sticker “It's never too late to have a happy childhood” Well, it's true that it's never too late to start saving and investing. Sure, your
• Will They Need Help?
  IT'S ANYTHING BUT a sure bet. But before you help a parent or other elderly relative, sort through the long-term-care strategies.. IT'S ANYTHING BUT a sure bet. But before you help a parent or other elderly relative, sort through the long-term-care strategies. It's a good idea to
• Welcome to Tomorrow's Money for Young Adults
  What do you want out of life?  Almost any goals you have—start a job, rent an apartment or buy a home, buy a car, get married, have a family, be more financially independent and secure…The common denominator of nearly all life goals is that they require money. Every day you interact with money. You s
• Transferring Military Homeowners to Get Expanded Assistance
  Military service members, their families, and federal Department of Defense (DoD) civilian employees who stand to lose a lot of money on the sale of their home as a result of a transfer order may be able to get some much- needed financial assistance. The U..
• Seasonal Stories
  Fall Home Buying 101 Want to become a homeowner? Wonder what it will take to get there? Click here to check out our new series on "Home Buying 101" - a step-by-step monthly guide to turning the dream of homeownership into a reality . Open Enrollment It's fall - the "open enrollment" season for thous
• When Work Changes or Jobs Go Away
  You may live in a region that is experiencing a high rate of job loss without having replacements for all those jobs. Or you may be working in a sector of the economy that has been hard hit by the loss of well-paying jobs, such as the automobile or manufacturing sectors.. You may live in a region
• Calculators
  Our calculators are designed to help boost your confidence to make informed financial decisions by giving you a stress-free way of comparing different scenarios and outcomes. We have an array of calculators related to managing your personal finances such as planning for retirement, managing debt, pa
• Important Steps at Each Stage of Your Life
  Each stage of life presents different opportunities and challenges. For example, single adults just starting out in the workforce have the gift of time to begin planning for their future, but need to begin developing wise financial habits at the start to reach them.. Each stage of life presen
• I am not sure how to help someone who is in financial trouble and is looking to me for assistance.
  Every day people find themselves facing sudden, unexpected or unwanted life changes that affect their ability to earn money, pay bills, and make choices to keep life working for themselves and their families. Young people, college graduates, seniors, single parents, middle-aged workers – none of us
• Common Financial Myths Single Women May Believe
  Most women heard or sensed certain negative messages about money growing up such as: men should or will earn more money than women; men are better in math and therefore in understanding how to work with money than women; a woman’s income will most likely as be a “second income” within a family’s fin
• Topics to Discuss
  As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to discuss every financial topic and reach an agreement on all of your priorities in one discussion.. As the old saying goes, the best way to eat an elephant is one bite at a time. You’re not going to d
• Decisions to Consider Making
  As you become more comfortable talking about financial issues, sharing thoughts, opinions, plans and paperwork you should start working through some important decisions. Areas to talk about include: Goal-Setting.. As you become more comfortable talking about finan
• Starting Out in Your 20s
  When you’re just entering the workforce it’s a great time to develop some financial disciplines that will become financially-rewarding habits for your future such as: Establishing some short- medium- and long-term financial and life goals Creating, and sticking to, a realistic budget Keeping a tight
• Benefits You May Be Entitled to as a Public Employee
  As a public employee you will most likely be able to take advantage of significant benefits. After accepting a job with a government agency or organization, you should receive a package of benefits that outlines your salary, your work requirements (i.. As a public employee you
• Searching for a Service or “Blue Collar” Job
  According to the U.S.. According to the U.S. Bureau of Labor Statistics nearly 15 percent of all Americans work in what are considered “blue collar” or service jobs. Who are “blue collar” workers?  They are the people who provide valuable service work for us everyday – they are electricians, plumbe
• I can't do anything different financially for the future because I need every penny I make now for my kids.
  While it’s true that most families feel financially stretched, there are ways to make simple changes in your everyday spending and budget to create savings. It can be very encouraging to realize that small changes can create significant savings.. While it’s true that most families feel financiall
• The Retirees
  Scenario: Roy and Helen are both 67, retired, and live in West Virginia in the same house they raised their kids. Their kids and 4 grandchildren just live down the road from them.. Scenario: Roy and Helen are both 67, retired, and live in West Virginia in the same house they raise
• 10 Things Every Public Worker Should Do
  Read your benefits package carefully and attend any new employee orientation meetings or review resources through your organization’s internal website. Make sure you know the deadline for selecting or signing-up for benefits and when the next open enrollment period is. Talk with someone in your HR d
• Starting Your Marriage Off on the Right Financial Foot
  Planning to get married is an exciting time. But it also involves making a lot of decisions – where to get married and when, who to choose for the wedding parties, which cake and invitations…the list of choices and things to discuss with your significant other can seem endless..
• Critical Habits Single Women Need to Develop for Financial Independence
  What most of us secretly want is someone to say “this is the big picture and here’s how to get there. While there is no “magic formula” (and steer clear of anyone who promises you that there is! there are some guiding principles that you can adopt to increase your financial confidence and security. 
• Life Insurance
  Does anyone depend on your ability to work and make money? What financial resources would they have if you died and suddenly weren't there to support them? Are you married? In the U.S.. Does anyone depend on your ability to work and make money? What financial resources would they have
• Single Women Managing Money
  For the first time in American history more women are single than married. Single women are earning more money than ever before, are making more financially-related decisions than ever before and yet most single women still do not feel adequate or empowered to successfully navigate their own financi
• Goal Setting
  Think of the last time you felt really proud of yourself. What was it that you achieved that you took pride in?  Was it an award that you won at work?  Losing a certain amount of weight?  Finishing coursework toward a degree?  Chances are that whatever it was, you thought about it, planned for it and wo
• Saving and Spending
  When two families come together spending money – and intentionally saving, or not spending, money - is often an issue. Two previously single parents usually have had no one else involved in their decision-making about spending and/or saving money.. When two families come together spending money – a
• Estate Planning
  One of the results of divorcing and then remarrying when you have children is that both you and your new spouse will need to make some important decisions about how your assets and possessions will be handled and managed after your death(s) You will need to decide upon and “name” beneficiaries (mean
• Talk About Your Financial Goals
  Just as you and your new spouse probably have goals for how you as husband and wife, and your children, will merge into a new family structure, it’s important talk about what type of financial goals you want to set for your blended family. Some common financial goals for couples are: Raise a family
• Bill-Paying Tips
  You have a lot to juggle and make time for – kids, work, maintaining a home, etc. Consider processes that can reduce the time it takes to pay your bills and make it easier to create savings automatically for your future.. You have a lot to juggle and make time for – kids, work, maintaining a home
• The Difficult Financial Reality Facing Single Mothers
  The reality can be difficult to acknowledge: single mothers have often more than double the workload and yet financially typically have far less than half the income and assets than their married or single father counterparts. Most single working mothers are faced with the sobering reality that they
• More about Debt Financing
  Although banks and financial institutions may advertise how much they enjoy lending to small businesses, do not expect to qualify for a loan without a solid business plan and some track record of success. Small business loans from banks usually have at least a 50,000 minimum because the banks canno
• Filing an Amended Tax Return
  Even if you double checked all your numbers and reviewed every line of your completed federal tax return, it is possible to inadvertently make a mistake. Maybe you forgot about some income you had earned when you received a W. Even if you double-checked all your numbers and reviewed every line of your
• Digging Out of Debt
  THE SECRET to paying off credit-card debt is really very simple: All you need to do is earn more than you spend, and apply the savings toward paying down your debt. So then what makes tackling credit-card debt so hard ? Sadly, many seem to be losing the battle of the credit-card balance. Consider th
• Overcoming Obstacle Number Two: Finding Money
  Unlike students who have not entered the workforce, adult students are often unsure about how – or if – they can afford to leave full-time work with its wage/salary, benefits (including insurance, paid vacation, etc. and career advancement possibilities.. Unlike students who have
• How Unemployment Benefits are Calculated and What Happens When They Run Out
  When you lose a job you may be eligible for temporary unemployment benefits which can help you bridge the uncertain – and often financially worrisome period – between jobs. If you qualify, unemployment benefits will provide you with a percentage of your take-home pay for a specified period of time,
• If a Servicemember Becomes Disabled
  It is a difficult reality, but servicemembers can become disabled during their military service. It can be a physically and emotionally difficult time for the servicemember and his or her family.. It is a difficult reality, but servicemembers can become disabled during their military service. It
• Living on Less: What to Do When Your Pay is Cut
  Every day workers of all types, across all industries, get the bad news from their boss that their pay is going to be cut. Whether it’s because your company is going through a tough financial stretch, or because the economy at large is making it impossible for your employer to make payroll, or becau
• Refinancing Your Mortgage as an Option to Hold onto Your Home
  For many homeowners who obtained an adjustable rate mortgage over the past few years to buy a home, both time and the economy have not been on their side. Millions of homeowners holding adjustable-rate mortgages are trying to determine if they can refinance their current home loan to be able to affo
• Insurance Benefits
  It can be easy to think that it’s not financially possible for your family to afford insurance. But with some work and help from the staff in your family support center you may be able to find affordable forms of insurance to provide for and protect your family’s future.. hat it’s not financially
• To Rent or to Buy?
  THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you build equity and get to write off your mortgage interest.. THINGS BEING EQUAL it's almost always better to own your home rather than to rent. After all, you bu
• Is That Balance Transfer Worth It?
  LIKE MANY PEOPLE THESE days, 69-year-old Ira Stoller uses cash-rebate credit-cards for all of his purchases, lowering his bills by as much as 5% But these savings are nothing compared with the profit the traveling salesman from Butler, N.. LIKE MANY PEOPLE THESE da
• To Buy or to Lease?
  SHOULD YOU lease or buy? Conventional wisdom says if you lease you'll have nothing to show for your money when the term is up. But that ignores the opportunity cost inherent in buying: after all, the money you pay up front for the car could be invested instead..
• Planning to Manage Wedding Day Costs
  According to a Conde Nast Bridal Group survey, the average cost of a wedding is approximately 27,800. Nearly one-third of all American couples pay for their own wedding and laying out that much money (or accumulating that much credit card debt) early on in the marriage can have a significant im
• Types of 529 Plans
  529 plans got their names from the section of the IRS tax code (section 529) which helped create this way of investing savings for college costs. There are two types of 529 plans: Prepaid Tuition Plans and Savings Plans.. 529 plans got their names from the section of the IRS tax code (section 529
• Financial Pressures and Your Health
  Stress is an accumulation of mental and physical tension. Stress can: distract your mental focus drain your energy impair your immune system and increase susceptibility to illness or disease create real physical reactions such as heart palpitations, panic attacks, nausea, headaches and sleepiness ca
• What to Do When the Deployment is Extended
  Imagine learning that your spouse has 24 hours to report for duty and be deployed for combat. Now imagine that the day before the scheduled homecoming, you are notified that he/she won't be coming home for another 12-15 months.. Imagine learning that your spouse has 24 hours to report for duty and be de
• Moving Day
  The big day is almost here. Moving day.. The big day is almost here. Moving day. Before you get to enjoy the excitement of moving into your new home, you’ve got to make it through the tedium and trial of actually boxing up and moving all your possessions. Having your tools and materials rea
• Comparing Mortgage Costs
  There are several costs associated with borrowing money to buy a home including the interest rate you’ll be charged to borrow the principal (loan amount) points, mortgage insurance closing costs and the down payment. Interest Rate One of the most important pieces of information you need from a lende
• Selling Your Home Part 1
  Every year millions of Americans sell their homes. Some of the most common reasons for selling a home are: Relocating for a job Needing or wanting more room for a growing family Moving after retirement Downsizing Moving to a more desirable or convenient neighborhood for work or school This month we’
• Parents Dealing with their Single Adult Child’s Deployment
  Most often deployment information and support is directed to the servicemember’s spouse. But what about the single servicemember?  What happens when he/she is deployed?  After being out of the family home and living on his or her own, suddenly he or she needs family members to help with the paperwork
• Dealing with Deployment
  Deployment is a stressful time for every member of the family. By taking time to talk together as a family, and separately as a couple, you can better manage both the emotional and logistical aspects of being apart from your servicemember.. Deployment is a stressful time for every member of