Home Owners - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/index.php/Life-Stages/Home-Owners en-US Home Staging: Getting Your Home Ready to Sell http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Selling-a-Home/Home-Staging-Getting-Your-Home-Ready-to-Sell http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Selling-a-Home/Home-Staging-Getting-Your-Home-Ready-to-Sell In today's competitive housing market, your home's appearance plays an important role in determining how quickly it will sell. Before you put your home on the market, many real estate professionals recommend doing at least some form of home staging.

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Wed, 23 Apr 2014 13:33:49 EDT
The Financial Realities of Relocating http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Home-Basics/The-Financial-Realities-of-Relocating http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Home-Basics/The-Financial-Realities-of-Relocating With the housing market and overall economy starting to improve, more Americans are packing up and relocating. According to the U.S. Census Bureau, the number of people moving for a new job or transfer numbered 3.5 million in 2011-2012, up from 2.8 million the previous year. Whether you're planning to move for a new job or transfer, or you're accompanying a spouse or partner who has accepted a new position, it's important to consider how your new location will impact your bottom line. 

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Tue, 17 Sep 2013 11:09:14 EDT
It's Time to Review Your Life Insurance Needs http://www.360financialliteracy.org/index.php/Topics/Insurance/Life-Insurance/It-s-Time-to-Review-Your-Life-Insurance-Needs http://www.360financialliteracy.org/index.php/Topics/Insurance/Life-Insurance/It-s-Time-to-Review-Your-Life-Insurance-Needs Your life insurance needs may change without you even realizing it. You may have purchased life insurance years ago, and never gave it a second thought. Or, you may not have life insurance at all--and now you need it. When your life circumstances change, you have a fresh opportunity to make sure the people you love are protected.

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Tue, 17 Sep 2013 11:01:17 EDT
Deducting Costs Associated with Refinancing a Mortgage Loan http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Mortgages/Deducting-Costs-Associated-with-Refinancing-a-Mortgage-Loan http://www.360financialliteracy.org/index.php/Topics/Home-Ownership/Mortgages/Deducting-Costs-Associated-with-Refinancing-a-Mortgage-Loan Now more than ever, homeowners are taking advantage of historically low interest rates and refinancing their mortgage loans. Did you pay points to your lender when you refinanced your loan? If so, you may be able to deduct them.

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Thu, 21 Mar 2013 11:55:57 EDT
Should You Make Large Gifts in 2012? http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Charitable-Giving/Should-You-Make-Large-Gifts-in-2012 Currently, the exemptions for federal gift tax, estate tax, and generation-skipping transfer (GST) tax are at historic highs, and the gift, estate, and GST tax rates are at historic lows. But, in 2013, the exemptions are scheduled to substantially decrease, and the tax rates are scheduled to substantially increase. This raises the question of whether 2012 might be a good time to make large gifts that take advantage of the current exemptions while they are still available.

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Tue, 18 Sep 2012 16:28:07 EDT
Pay Down Debt or Save and Invest? http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Pay-Down-Debt-or-Save-and-Invest http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Pay-Down-Debt-or-Save-and-Invest There are certainly a variety of strategies for paying off debt, many of which can reduce how long it will take to pay off the debt and the total interest paid. But should you pay off the debt? Or should you save and invest? To find out, compare what rate of return you can earn on your investments versus the interest rate on the debt. There may be other factors that you should consider as well.

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Tue, 15 May 2012 09:57:03 EDT
Four Money Mistakes You Might Be Making http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Four-Money-Mistakes-You-Might-Be-Making http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Four-Money-Mistakes-You-Might-Be-Making Three years after the economic crisis led many Americans to re-evaluate their financial picture, economic uncertainty is still the norm. While there's little you can do about the shaky economy, you can help stabilize your own finances over the long term by evaluating what you're doing right, and wrong. There's no guarantee, but avoiding these four money mistakes may help you survive and ultimately thrive in any turbulent economy.

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Mon, 12 Mar 2012 11:48:54 EDT
Retirement Plan and IRA Limits for 2012 http://www.360financialliteracy.org/index.php/Topics/Retirement-Planning/IRAs/Retirement-Plan-and-IRA-Limits-for-2012 http://www.360financialliteracy.org/index.php/Topics/Retirement-Planning/IRAs/Retirement-Plan-and-IRA-Limits-for-2012 Many retirement plan and IRA limits are indexed for inflation each year. Here are some of the key numbers for 2012.

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Tue, 07 Feb 2012 18:22:16 EST
Debt Payoff Strategies http://www.360financialliteracy.org/index.php/Topics/Credit-and-Debt/Debt/Debt-Payoff-Strategies http://www.360financialliteracy.org/index.php/Topics/Credit-and-Debt/Debt/Debt-Payoff-Strategies In these uncertain economic times, you may be thinking of reducing your debt load. There are a number of strategies for paying off debt that you might consider. However, before starting any debt payoff strategy (or combination of strategies), be sure you understand the terms of your debts, including any penalties for prepayment.

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Tue, 10 Jan 2012 14:58:17 EST
The Problem with Do-It-Yourself Estate Planning http://www.360financialliteracy.org/index.php/Topics/Retirement-Planning/Estate-Planning-Basics/The-Problem-with-Do-It-Yourself-Estate-Planning http://www.360financialliteracy.org/index.php/Topics/Retirement-Planning/Estate-Planning-Basics/The-Problem-with-Do-It-Yourself-Estate-Planning As the number of Internet websites and software packages have quickly multiplied, along with the many books and stationery store kits that have always been available, do-it-yourself (DIY) estate planning is on the rise. The one-size-fits-all fill-in-the-blank forms that these sources provide may be attractive to some individuals because they cost a fraction of what attorneys typically charge. But is saving a few dollars worth the risk and potentially high cost of doing things incorrectly?

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Wed, 14 Dec 2011 12:18:35 EST