Personal Finance and Budgeting
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C 1041-3
Planning your Spending
When your income drops, developing a realistic family spending plan is not optional—it is necessary. Learn how to reduce spending and pay debt so you can make sure essential costs can be covered.
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Insurance Matters
When times are hard, it is tempting to drop your insurance coverage. This may be OK for some coverage, but not for others. You do not want to put yourself in a worse financial situation than you are already in. Learn about the different types of insurance to help you make the decision about what insurance to keep, reduce, or get rid of.
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Housing: Your Top Priority
Keeping a roof over your head is an important concern when your income drops or doesn’t go as far as it used to. Careful planning can help you avoid eviction from your rental unit or the loss of your home.
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C 1112-2
Ways to Save for Retirement
Retirement is just around the corner, and it is important to begin planning and saving for retirement as soon as possible. In order to maximize your savings, it is important to understand the various types of tax-advantaged retirement plans available individually and offered by employers.
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Key Issues to Consider
Retirement is a time to relax and enjoy life. Unfortunately, not all of us will be assured a plush retirement home, lots of free time, and world travel. This publication includes some important things you should know about planning for retirement.
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C 1113-3
Financial Power of Attorney
A power of attorney is a legal document that allows another person to act on your behalf. The individual who gives the power is called the principal, and the designated person who is given the power is known as the agent or attorney-in-fact. The agent does not have to be an attorney and can be anyone you choose. It is advisable to make sure to choose an agent who is trustworthy, honest, and competent. The classification of a power of attorney will vary based on the amount of authority given to the agent as well as on the timing of duties for the agent. The four classifications include limited or special power of attorney, general power of attorney, durable power of attorney, and springing power of attorney.
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Your health could change at any time. In addition, your medical condition may prevent you from making decisions regarding your health care treatment. The good news is that there are legal documents that can be utilized to allow you to make choices regarding your health care if you are unable to do so. There are two main documents that can be utilized by you to make decisions about your health care: a living will or advance medical directive and a durable power of attorney for health care.
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C 1113-1
Where There’s a Will, There’s a Way
A will is a legal document that is written by you (the testator or will-maker) that dictates how your property and assets will be distributed upon your death. A will also directs any estate taxes that you may owe, appoints a person to administer your estate based on your requests or state law (executor/executrix), and appoints a guardian for minor children among other things. If you have any assets, you should create a will to ensure that those assets go to the people you intend to have them.
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C 1050-2
Recycle
In today’s disposable economy, it often seems easier to throw away old products and buy new ones. Because everything we need can be produced so quickly and cheaply, we tend to ignore the repercussions of our waste stream. Within this publication are facts and strategies which will help you rethink the notion of recycling.
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