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   Personal Finance
 Home>Money & Business>Personal Finance>
Keeping a Safe Harbor: Maintaining & Protecting Your Home
Unit 4

Unit 4. After the home purchase learn to maintain its value, properly secure and insure your home investment, avoid home repair rip-offs and prevent foreclosure. In addition, learn the life expectancy of your home appliances and home sytems and how to improve the health of your home.

Sailing Through the Mortgage Process
Unit 3

Unit 3: Understand mortgage terms and loan programs, know the questions to ask before choosing a mortgage and how to shop wisely for one. Be prepared when applying for a mortgage loan and know what will be needed at closing. Also learn how to avoid subprime loans.

Staying on Course with Financial Management
Unit 2

Complete Unit 2 materials cover: Organizing your family finances by setting goals, developing a cash flow worksheet and net worth statement, developing a budget and managing your credit. In addition, find helpful tips on homeowner tax planning, stretching your dollars and saving and preventing identiy theft.

Navigating Your Way to A New Home - Unit 1
Unit 1 image

Unit 1 - Complete unit materials cover: renting versus owning, housing priorities, how to evaluate homes and house plans, how to determine housing price limits, how to choose your home-buying professional team, shopping resources, how to negotiate purchase price of home, your housing rights and what needs inspecting prior to purchasing a home.

Christmas is Coming
Planning ahead can save you money and reduce holiday stress for everyone.
Beware of These Common Scams
Scam artists are at work even in a recession. Many scams and frauds count on people being more vulnerable when they are desperate due to hard times. The bottom line, as always, is that if it sounds too good to be true, beware!
A New Normal For Personal Finance
If you've been adversely affected by the economy, as most have, then you're probably wondering when things will get back to normal. Financial experts are saying we need to prepare ourselves for a "new normal." Find out what that means for you.
Review IRS Form W-4 Annually
Tax time is a good time for each of us to review the amount which will be withheld by our employers for taxes.
Homebuyer Education Graduates Achieve Their Dream
View the story of one couple's path to achieving their "American Dream" of owning a home. Graduates of the "Charting Your Course to Homeownership" homebuyer education program relate their successful journey.
Homebuyer Education Program Graduate Succeeds
View the inspiring story of one family's journey from losing their home in Hurricane Rita to becoming the proud owners of a home of their own after completing the "Charting Your Course to Homeownership" homebuyer education program.
Take Control of Your Credit
SAIL Take Charge of Credit
Materials covered in the Saving and Investing for Life; Take Control of Your Credit unit include how to obtain, read and analyze your credit report and understanding your credit score. Also includes information regarding the Credit CARD Act of 2009.
Louisiana posts most stories to money management Web site
group of four
Louisiana submitted the most stories – 104 – to a national extension Web site called Managing in Tough Times.
Selling Your Gold Jewelry
Times are tough, and gold prices are high. People are looking for ways to raise extra cash. It is important to comparison shop to avoid gold buying rip-offs.
Stretching Your Food Dollar
Managing in Tough Times
Grocery shopping can be a real challenge, especially if you are on a limited budget. However, food is a flexible budget expense that can be reduced when money is tight. By planning ahead and managing your money wisely, you can still serve meals which are appetizing, easily prepared and nutritious.