|Credit & Debt|
|Louisiana HIgh School Financial Planning Program|
|Managing in Tough Times|
|Saving & Investing|
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.
How much money will you need to retire comfortably? The answer depends on your lifestyle expectations and goals. Other factors to consider include the age at which you plan to retire, your life expectancy, the amount and type of employer benefits (if any) and the amount and growth rate of your savings and investments.
This four-page publication presents strategies to help individuals and families experiencing low or reduced incomes manage spending to maintain a quality lifestyle.
Terms Home Buyers and Home Owners Need to Know and useful housing related Web sites.
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.
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.
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.
A number of tax benefits are available to volunteers. Donors and volunteers can deduct out-of-pocket expenses directly related to the services given to a charitable organization if they itemize deductions on their tax returns.
Because money is one of the leading causes of divorce, marital success could well be determined by the financial rules and habits established early in the marriage. Newly married couples spend time answering a series of 28 questions – first, independently, then exchanging answers to compare and discuss.
(Distributed 7/11/03) Education is valuable throughout your life, and the achievements you make today can determine the salaries you earn over a lifetime.
(Distributed 7/11/03) Moving away from home for the first time is a pivotal moment in life. It is one of the rights of passage from youth to adulthood, according to LSU AgCenter family economics specialist Dr. Jeanette Tucker.
(Distributed 7/11/03) Financing a college education is often a partnership involving the student, family, school and lending agency. LSU AgCenter family economics professor Dr. Jeanette Tucker encourages college students to find out each partner’s responsibility.