College Students - 360 Degrees of Financial Literacy http://www.360financialliteracy.org/index.php/Life-Stages/College-Students en-US The Frugal Habits of Millionaires http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/The-Frugal-Habits-of-Millionaires http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/The-Frugal-Habits-of-Millionaires We've all heard the saying "It takes money to make money." So how can you find extra dollars to save and invest? If you're looking to improve your financial position, consider putting some of these habits into practice.

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Wed, 19 Feb 2014 15:35:06 EST
Think Outside the Shoe Box When Organizing Financial Records http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Think-Outside-the-Shoe-Box-When-Organizing-Financial-Records If you've ever had trouble finding an important financial document, you know why it's necessary to keep your financial records organized. Less clutter means less stress, and though you'll need to commit a bit of time up front to organize your files, you can save time and money over the long term when you can find what you need when you need it.

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Thu, 16 Jan 2014 14:38:20 EST
Don’t Make These Five Online Shopping Mistakes http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Don-t-Make-These-Five-Online-Shopping-Mistakes Online spending in the United States is expected to hit $370 billion by 2017, up from $262 billion in 2013, according to Forrester Research. Consumers were most likely to shop for books, stationery or office supplies, followed by apparel and consumer electronics, based on an NPD Group study. Online shopping can be a great convenience, but there are steps you should take to ensure a safe and satisfying experience. Here are five mistakes to avoid.

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Thu, 14 Nov 2013 13:55:35 EST
Take Control of Holiday Spending! http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Holidays/Take-Control-of-Holiday-Spending What are your holiday shopping plans this year? American retail holiday spending totaled about $580 billion in 2012, according to the National Retail Foundation, up 3% from the previous year. This is clearly a time of year when people dig deep into their pockets to pay for holiday gifts and celebrations, but that doesn’t have to put a dent in your budget. 

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Thu, 14 Nov 2013 13:50:38 EST
What You Need to Know about the Health Care Law http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Health-Care-Reform/What-You-Need-to-Know-about-the-Health-Care-Law http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Health-Care-Reform/What-You-Need-to-Know-about-the-Health-Care-Law Are you covered? The Affordable Care Act, otherwise referred to as health care reform, requires those who are uninsured to get health insurance. While the start dates of some key programs have been postponed, enrollment in health insurance programs is expected to begin this fall and several other key provisions of the act are becoming effective in the new year. Here are some insights and advice to help you understand what these changes mean.  

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Wed, 16 Oct 2013 13:46:02 EDT
Is College Debt the Next Bubble? http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Financial-Reform/Is-College-Debt-the-Next-Bubble http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Financial-Reform/Is-College-Debt-the-Next-Bubble What might a 23-year-old recent college graduate, a 45-year-old entrepreneur, and a 60-year-old pre-retiree have in common financially? They may all be hobbled by student loan debt. According to financial aid expert Mark Kantrowitz, the student loan "debt clock" reached the $1 trillion milestone last year.1 And even as Americans have reduced their credit card debt over the past few years, student loan debt has continued to climb--both for students and for parents borrowing on their behalf.

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Tue, 17 Sep 2013 11:20:32 EDT
New Interest Rates on Federal Student Loans—Again http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Financial-Reform/New-Interest-Rates-on-Federal-Student-Loans-Again http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Financial-Reform/New-Interest-Rates-on-Federal-Student-Loans-Again On August 9, 2013, President Obama signed the Bipartisan Student Loan Certainty Act of 2013, which changes the formula for determining federal student loan interest rates. The law comes after months of partisan bickering and uncertainty in the student loan arena, which culminated with the rate on subsidized Stafford Loans doubling to 6.8% on July 1.

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Wed, 21 Aug 2013 17:26:40 EDT
Income-Based Repayment (IBR) for Federal Student Loans http://www.360financialliteracy.org/index.php/Topics/Credit-and-Debt/Loans/Income-Based-Repayment-IBR-for-Federal-Student-Loans http://www.360financialliteracy.org/index.php/Topics/Credit-and-Debt/Loans/Income-Based-Repayment-IBR-for-Federal-Student-Loans The federal government's income-based repayment program (IBR) for student loans allows qualified borrowers to tie their monthly federal student loan payments to their discretionary income. A new version of the IBR program called "Pay As You Earn" took effect on December 21, 2012 (it was originally scheduled to be phased in during 2014, but the Obama administration took regulatory measures to make it available sooner). The potential for IBR to change the landscape for college borrowers is enormous. According to the U.S. Department of Education, as of last October, about two million borrowers had applied for IBR.

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Tue, 14 May 2013 12:35:58 EDT
The American Taxpayer Relief Act of 2012 http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Tax/The-American-Taxpayer-Relief-Act-of-2012 http://www.360financialliteracy.org/index.php/Topics/Recent-Legislation/Tax/The-American-Taxpayer-Relief-Act-of-2012 The new year started with some political drama, as Congress passed legislation on January 1, 2013, to prevent the country from going over the "fiscal cliff." The American Taxpayer Relief Act of 2012 (ATRA) permanently extends a number of major tax provisions and temporarily extends many others. The legislation also temporarily postpones major automatic spending cuts that were scheduled to take place at the beginning of the year. Here's what you need to know.

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Tue, 19 Feb 2013 20:32:04 EST
Real-life Financial Tips for Different Generations http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Real-life-Financial-Tips-for-Different-Generations http://www.360financialliteracy.org/index.php/Topics/Budgeting-Spending/Budgeting-and-Saving/Real-life-Financial-Tips-for-Different-Generations Do you remember The Game of Life®? In Milton Bradley's popular board game, players progress through life stages making decisions that affect their prosperity. Like those players, today's generations face financial decisions with lasting effects. Here are some tips for staying focused despite life's ups and downs.

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Tue, 15 Jan 2013 16:51:14 EST