Our focus, to get you to, and through, retirement.
  

Featured Links to Many Topics to learn more

Listed below are links to web sites that may be of interest to you. Feel free to visit these web sites.

You may also find additional information on other topics on my site by typing in a search term related to the topic you have on your mind in the search box above. Additional information may be found on Blog.BetterFinancialEducation.com by using the search box or topical links on that site.

Sites below are not promoted based on any payment or agreement with Better Financial Education, and have not been reviewed for accuracy of their information. Visitors should consider their goals and use these sites as tools, for information purposes only, towards achieving those goals.

  • A note: - Links are in alphabetical order. The accuracy of any information, or of any calculators, has not been verified. You should use any calculator to help you make a GENERAL decision, since the actual results will probably be different due to time, calculator assumptions, your specific situation, and changing circumstances in the future. As with any information, you need to consider how it can be applied to your situation and continue to re-evaluate it as your situation changes in the future. Also ... if you discover a link that does not work, please let me know and I will be happy to update it quickly ... thank you.
  • Adviser Lookup - Check your adviser's status as either a Registered Investment Adviser or representative of a Registered Investment Adviser. By the way, my Firm CRD# is 155213. These people typically are not brokers (sales people), however you need to dig deeper into their ADV Part II to see if they also might act as a broker (wear two hats in their relationship with you).
  • All About Women. - The Women's Institute for a Secure Retirement (WISER) website contains information for the long term financial security of women through education and advocacy.
  • Aging - Center for Healthy Aging videos by the Stein Institute for Research on Aging, University of California, San Diego.
  • Bank Deposit Accounts comparison site - Deposit Accounts as your go-to resource when researching and choosing a new bank account.
  • Be On Guard when you're Online - This site offers tipe on avoiding spam, securing your computer, and many many other tips to be safe while you serf the web and do other electronic based activities.
  • Book - "What Investors Really Want" by Meir Statman. The book is fun to read, with no math, tables, or even graphs. It combines anecdotes, news items, and academic studies. The book goes much beyond cognitive errors and emotions to describe us as "normal," neither rational nor irrational. We are "normal smart" at times and "normal stupid" at other times. We commit cognitive errors and are misled by emotions on our way to what we want. We want high returns from our investments, but we want much more. We want to nurture hope for riches and banish fear of poverty. We want to be #1 and beat the market. We want to feel pride when our investments bring gains and avoid the regret that comes with losses. We want the status of hedge funds and the warm glow of socially responsible funds. We want to invest in our children and leave nothing for the tax man.
  • Book - "The Investment Answer" by Daniel Goldie & Gordon Murray discusses the five (5) informed decisions to have a successful investment experience: 1) Do-it-yourself Decision; 2) Asset Allocation Decision; 3) Diversification Decision; 4) Active vs Passive Decision; and 5) Rebalancing Desicison.
  • Book - "The Investor's Manifesto" by William Bernstein. An easy to read and concise summary of the basic concepts underlying the philosophy and processes described throughout my website.
  • Book - "The Millionaire Next Door: The Surprising Secrets of America's Wealthy" by Thomas J. Stanley and William D. Danko. This book identifies seven common traits that show up again and again among those who have accumulated wealth. Most of the truly wealthy in this country don't live in Beverly Hills or on Park Avenue-they live next door.
  • Book - "The Richest Man in Babylon" by George S. Clason. Beloved by millions, this timeless classic holds the key to all you desire and everything you wish to accomplish. This is the book that reveals the secret to personal wealth.
  • Book - "All Your Worth: The Ultimate Lifetime Money Plan" (Paperback) is a Budgeting Resource - concepts to keep life simple - where authors Warren and Tyagi show you how to balance your money into three essential parts: the Must-Haves (the bills you have to pay every month), the Wants (some fun money for right now), and your Savings (to build a better tomorrow). No complicated budgets, no keeping track of every penny. How to simplify your budget process.
  • C - Financial Literacy & Education Commission - All 22 Federal entities represented on this website work together on these issues as part of the Financial Literacy and Education Commission (FLEC) that was created by Congress in 2003 through passage of the Financial Literacy and Education Improvement Act. Find helpful financial information based on where you are in life through the "Life Events" tab.
  • Calculators 1 - This is a link to a website that has many financial calculators, some that are not available on my site.
  • Calculators 2 - This is a link to the Choose to Save website that has a wide variety of financial calculators, some that are not available on my site, or not on the other financial calculator link.
  • California Identity Theft - information about prevention or for victims from the State of California's Attorney Generals office.
  • California State Department of Insurance - Link to the insurance website for the status of any insurance sales license in the State of California (click on "Check License Status" link on their website).
  • Certified Financial Planner Board of Standards - Click here to go the the Certified Financial Planner Board of Standards website (my license # 064657).
  • CFP Board's Consumer website. - On CFP Board’s Let’s Make a Plan Website, you’ll learn why you need a financial plan, how to get started, and how to find a qualified financial planning professional to assist you if you want.
  • Consumer resource portal - provided by the Financial Planning Association.
  • Do Past Mutual Fund Winners Repeat? - A companion to Standard & Poor's Indices Versus Active (SPIVA) is the Standard & Poor's Persistence Scorecard. It tracks the consistency of active funds over three- and five-consecutive year periods, and measure performance persistence through transition matrices for three- and five-year non-overlapping holding periods. While SPIVA focuses on the active versus index debate, the persistence scorecard shows the relationship between past and future performance among active funds.
  • Economic indicators - from the The Conference Board which has created and disseminated knowledge about management and the marketplace to help businesses strengthen their performance and better serve society. Many of the economic indicators you hear about are produced and found here.
  • Education - Consumer Financial Protection Bureau's Paying For College site.
  • Education - an approach to college planning - Going2College is a site where you can explore career options, plan for college and locate financial aid sources.
  • Education - college transparency - offers side-by-side comparisons of estimated financial aid packages along with simplified campus match scores and admission chances.
  • Education - scholarship search site links - to many online scholarship search sites listing thousands of scholarships and financial aid awards.
  • Education - scholarship search site links - to many online scholarship search sites listing thousands of scholarships and financial aid awards.
  • Education - Online accredited college programs for distance learning, instead of going to a physical campus.
  • Education - U.S. Dept of Education - College Scorecard site to search and compare colleges and universities.
  • Education - U.S. Dept of Education - College Affordability and Transparency Center: Scorecards, Net Price Calculator, College Search Navigator, State Spending Charts, and more.
  • Education, College Navigator - by the U.S. Department of Education Institute of Education Sciences, to research colleges and universities. A resource not commonly found such as more familiar sites like Collegeboard.com (AP, PSAT, SAT), ACTstudent.org or ACT.org (ACT).
  • Education, High School career planning - (and second and subsequent career planning too). From the US Bureau of Labor Statistics - a website for high school students, and adults, to explore what they like. Includes a link into the Bureau's extensive database of occupations (Occupational Outlook Handbook).
  • Education, US Department of - The U.S. Department of Education's website with helpful sections for parents and students.
  • Employee Benefit Research Institute - An educational website. This is one of many sites where you can get educational information.
  • Federal Reserve Bank of Richmond - A semi-annual publication. What is unique is their combination of improving both economic literacy concept and personal financial literacy on the select topic in each issue.
  • Federal Reserve Bank of San Francisco - Consumer information, education, and much more by the Federal Reserve bank nearest to us which compiles economic data for our district.
  • Federal Reserve Education Website - The Federal Reserve System is committed to economic and personal financial education. Here you can find links to instructional materials and tools that can increase your understanding of the Federal Reserve, economics and financial education. All of the Fed web sites, curriculum, newsletters, booklets and other resources are free.
  • Federal Reserve website - Learn about the Federal Reserve through their website. Especially helpful is the section "About the Federal Reserve."
  • Financial Literacy for Everyone - A fun, informative and educational site for consumers and educators maintained by the Foundation for Financial Planning.
  • FINRA - Helpful information from the Financial Industry Regulatory Authority. There is an investor education section. Check out your broker through FINRA BrokerCheck.
  • For your education about economics - from the U.S. Department of Commerce Bureau of Economic Analysis' website. BEA is an agency of the Department of Commerce. Along with the Census Bureau and STAT-USA, BEA is part of the Department of Commerce Economics and Statistics Administration. The site also has an international statistics section.
  • Foundation for Financial Planning - has links to many consumer education websites and tools.
  • Health Care - A federal government Website managed by the U.S. Department of Health & Human Services ( www.hhs.gov ).
  • Home - Consumer Financial Protection Bureau's Owning a Home site.
  • HOPE NOW - is an alliance between HUD approved counseling agents, servicers, investors and other mortgage market participants that provides free foreclosure prevention assistance.
  • ID Analytics - provides a free service for on–demand identity intelligence, real–time visibility into the risk of identity fraud, protecting both organizations and consumers. Evaluate if you are at risk for identity theft or fraud.
  • Institute for Financial Education - This links Institute for Financial Education's website. I provide the link so you can deepen your education through their resources you find on this site (budgeting, spending, credit issues, saving, etc).
  • Investigate Best Places to Live - Click here to research information on different places to live. You may also copy and paste this web address into your address bar for additional comparisons (http://money.cnn.com/best/bplive/).
  • IRS website link - Click here to go to the IRS website.
  • Learn About Financial Planning - This link will take you to the Certified Financial Planner Board of Standard Inc's learning center. There is a lot of helpful information found on the site's navigation bars about planning basics, the planning process, setting goals and much more.
  • Medicare Website - Click here to go to the Government's Medicare Website for information on Medicare. Especially helpful ... in the Search Box ... type in "Find a Plan" for a link to their Plan Finder which enables you to determine what each policy covers, the cost, and how to contact the insurer. Remember there is a 7 month window to apply which begins 3 months before your 65th birthday (other rules may apply so read the website information carefully to avoid penalty).
  • National Bureau of Economic Research - Founded in 1920, the National Bureau of Economic Research is a private, nonprofit, nonpartisan research organization dedicated to promoting a greater understanding of how the economy works.
  • National Endowment for Financial Education - An educational website. This is one of many sites where you can get educational information.
  • National Retirement Planning Coalition - An educational website. This is one of many sites where you can get educational information.
  • Practical Money Skills - Personal Finance for consumers and tools for educators. "Improve your financial future by gaining a better understanding of a broad range of personal finance topics, including creating a budget, saving for retirement, and using credit wisely." There are also calculators on the site.
  • Reverse Mortgages for those over age 62 - Links to various government sites. Reverse Mortgages are called  Home Equity Conversion Mortgages (HECM).  Benefits.gov   Federal Trade Commission  Dept of Housing and Urban Development  Consumer Financial Protection Bureau 
  • Senior Relocation Help - The mission of the National Association of Senior Move Managers is to facilitate the physical and emotional aspects of relocation for older adults, to increase industry awareness, to establish a national referral network, to enhance the professional competence of members, and to promote the delivery of our services with compassion and integrity.
  • Social Security Annual Statement - Answers and information about the annual statement you receive a couple of months each year before your birth month.
  • Social Security Website Link - Click here to go to the Social Security website. Their website is easy to navigate with plenty of questions and answers to help. You should apply for benefits no more than four months before the date you want your benefits to start.
  • U.S. Bureau of Labor Statistics - Want to know more? Unemployment, employment, Consumer Prices, Pay & Benefits, Productivity, International Comparisons, and more compliled by the US Department of Labor.
  • U.S. Department of Housing and Urban Development - Find out about housing, mortgage, foreclosure and much more from this government source.
  • U.S. Department of Housing and Urban Development - The HUD website with important information about Reverse Mortgages (age 62+ to be eligible).
  • U.S. Department of Justice - Identity theft and Fraud information. Also see the link for the US Federal Trade Commission.
  • U.S. Federal Trade Commission - Identity theft and Fraud information. Also see the US Dept of Justice link on this topic.
  • U.S. Securities and Exchange Commission - Click here to go to the U.S. Securities and Exchange website.
  • U.S. Treasury Department - has education and information on the economy, financial markets, international affairs, taxes and much more.
  • Understanding your Retirement Paycheck ... - is an educational website produced by the National Endowment for Financial Education specifically for retirement planning.
  • Verify your tax preparer in CA - The California Tax Education Council (CTEC) will establish professional tax education standards, approve tax education providers who comply with these standards, and facilitate tax preparer compliance for the benefit of California taxpayers. Note that lawyers and CPAs are registered and regulated separately.
Link Disclosure: The information being provided is strictly as a courtesy. When you link to any of the websites provided here, you are leaving this website. We make no representation as to the completeness or accuracy of information provided at these websites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, websites, information and programs made available through this website. When you access one of these websites, you are leaving our website and assume total responsibility and risk for your use of the websites you are linking to. Because the content of newsgroups and websites changes constantly, it is impossible for us to review it all. Better Financial Education cannot be responsible for the content of any of the above links.
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