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NFCC Blog: Staying the Course

4 Considerations Before Buying into an HOA

By Tali Wee  Homebuyers are inundated with countless property assessments and inspections during their buying processes, but many overlook thorough evaluation of homeowners associations (HOA). In certain communities, homeowners are required to join HOAs and pay monthly fees as membership. Typically, community members govern their HOAs, setting community guidelines, managing disturbances, solving safety concerns, and creating new rules to maintain satisfactory curb appeal for all properties within the community. HOAs hold …Read More

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Consumer Reporting Agencies Follow Your Moves

By Jason Alderman By now, you’ve probably heard about the Big Three credit bureaus (Equifax, Experian and TransUnion), which monitor your financial history and issue credit reports and credit scores to potential lenders. But did you know that there are dozens of other specialty consumer reporting agencies that track your history for activities that may not appear on your regular credit reports – things like bounced checks, late utility payments, …Read More

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Parents: You Have to Talk Money Before You can Teach Money

By Neale Godrey President Obama proclaimed this past April to be National Financial Capability Month, commonly referred to as National Financial Literacy Month and said “…we renew our drive to give all Americans the tools to navigate the financial world and gain the economic freedom to pursue their own measure of happiness.” This goal may be hindered because many of us were brought up with the idea that there were two …Read More

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What Does a Working Kitchen Need?

By Donna Freedman A blog post over at Get Rich Slowly asks readers which cooking utensils/equipment they couldn’t live without. “In the kitchen: When less is more” posits that plenty of the things marketed as necessities end up as just so much culinary clutter. “How much do you need to have a working kitchen?” asks writer Lisa Aberle. Good question. My comment on the post became pretty lengthy – so lengthy, …Read More

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NFCC Honors Clients of the Year at Annual Leaders Conference

By Gail Cunningham Not many people would say that accumulating $38,000 in credit card debt was one of the best things that ever happened to them. Nonetheless, that’s how the NFCC’s 2014 PACE Clients of the Year, Jonathan and Hope Unverzagt, sum up their experience. The Unverzagts were honored with the prestigious award during the NFCC’s recent conference in Seattle, WA. It was a happy ending with a rocky beginning. The …Read More

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The Ins and Outs of 529 College Savings Plans

By Jason Alderman For many people, their biggest expenses in life are funding retirement, buying a home, and paying for their children’s college education – or a portion of it, anyway. Setting aside money for these and other financial goals is difficult, especially when you’re trying to save for them all simultaneously and from a young age. Let’s tackle saving for college. As with any long-term savings goal, the earlier …Read More

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NFCC Distributes Thousands of Free Financial Education Resource Tools

By Gail Cunningham During the first year of  NFCC’s Sharpen Your Financial Focus(TM) program, more than 18,000 12-month memberships to Experian’s freecreditscore.com product were distributed to consumers at no cost to them. Program participants are eligible to receive the free 12-month membership to the freecreditscore.com product through a generous donation from Experian in support of financial education. The freecreditscore.com financial resource complements the skills learned through the Sharpen Your Financial Focus program. …Read More

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One in Five Could Not Maintain Lifestyle Without Credit Cards

By Gail Cunningham The ability to put away the plastic and successfully live on a cash basis is an indicator of financial stability, as it proves a person’s lifestyle is in line with their income. However, the recent NFCC online poll revealed that one in five people could not make ends meet without the use of credit. Another twenty-two percent of respondents said that if asked to live on a …Read More

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Create and Grow Your Emergency Fund Safety Net

By Mark Foster Emergencies are a fact of life. A lot of things in life aren’t planned – a flat tire, an emergency room visit, or a broken air-conditioner, for example. The question isn’t whether an emergency will pop up, but whether someone is prepared for it or not. Many people are not financially ready for an emergency. In fact, 39 percent of American adults have no savings to cope …Read More

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6th Annual Jump$tart Educator Conference Now Open for Registration

By Drew Kessler Calling all teachers! Registration is now open for the 6th Annual Jump$tart National Educator Conference, devoted to classroom educators who teach personal finance or want to incorporate money lessons into other subject matter, grades PreK-12.  Join Jump$tart November 8-10, 2014 at the Omni Hotel at California Plaza, Los Angeles, CA. Through the generosity of Experian, Wells Fargo Foundation, and many sponsors, Jump$tart is able to offer teachers the very …Read More

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