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WEB RESOURCES
CREDIT | CREDIT REPORTS | YOUR RIGHTS-CONSUMER ISSUES |LEGAL ASSISTANCE
PERSONAL FINANCE |HOUSING |TAXES |INVESTING |
FINANCING A COLLEGE EDUCATION
RECOMMENDED READING
BUDGETING | PERSONAL FINANCE | INVESTMENTS | RETIREMENT | INSURANCE
TAXES | BUYING A HOME | CHILDREN & MONEY
RECOMMENDED WEB SITES
Knee Deep in Debt; Fiscal Fitness-Choosing a Credit Counselor;
Before You File for Personal Bankruptcy
www.bankrate.com Bank Rate Monitor lists the best deals on credit cards nationwide.
www.cardtrak.com Another site that offers consumers shopping for credit information about rates and perks.
www.annualcreditreport.com Under the Fair Credit Reporting Act you can now order your free credit reports from the three major credit reporting agencies once per year. This is the one central website sanctioned by the Federal Trade Commission to order these reports, or you can call 1-877-322-8228.
To be removed from mailing lists that solicit credit card offers and other products and services write to:
Direct Marketing Association, Mail Preference Solicitation, PO Box 9008, Farmingdale, NY.
www.ftc.gov Consumer protection is the mission of the Federal Trade Commission. They also regulate the credit reporting industry as well as investigate complaints about mail order companies.
dfcs.oregon.gov Find out your rights under the new debt management law (includes debt settlement) and check to see whether a company is legally registered. You can also call (866)814-9710.
www.doj.state.or.us Oregon Department of Justice is where you want to report consumer financial fraud complaints about businesses, if you live in the State of Oregon. You can also call the Consumer Hotline at (877) 877-9392; or, you have the option to write to: Financial Fraud/Consumer Protection, 1162 Court Street NE, Salem, OR 97310.
www.consumer-action.org If you're looking for pricing surveys, press releases, consumer alerts, legislative and regulatory news, or just need a place to complain.
Consumer Information Center in Pueblo, CO offers information on hundreds of topics ranging from planning your estate to avoiding insurance scams.
www.consumerworld.com A public service site offering consumer resources, from product reviews to scam alerts and procedures for filing complaints.
www.osbar.org/public Oregon Lawyer Referral Service
www.oregonlawcenter.org Information about civil legal problems, laws that affects low income people, forms or other legal resources. Oregon Law Center provides free civil legal services to low income individuals.
Financial Education NFCC (National Foundation for Credit Counseling) Topics: Money Management & Savings - Housing - Credit - Retirement - Insurance - Bankruptcy
www.HousingHelpNow.org Homeowner Crisis Resource Center
hotline: 866-557-2227 Losing the American Dream? Take the first step to find help now. This site is a public service from the National Foundation for Credit Counseling.
US Department of Housing and Urban Development This site includes comprehensive information for renters, prospective homebuyers and the homeless.
ftc.gov/yourhome
Mortgage Payments Sending You Reeling? Here’s What to Do
Foreclosure Rescue Scams: Another Potential Stress for Homeowners in Distress FTC Facts For Consumers
Internal Revenue Service (IRS). For help, call 800-829-1040; for forms, call 800-TAX-FORM.
www.irs.treas.gov
www.smbiz.com Small businesses can find tax information here.
www.investorguide.com A mega site covering "zillions" of personal finance and consumer topics.
www.wsj.com The Wall Street Journal
Three other popular personal finance magazines:
www.osac.state.or.us- The Oregon Student Assistance Commission (OSAC) is the state student financial aid agency for Oregon. Formerly named Oregon State Scholarship Commission (OSSC), OSAC administers a variety of State of Oregon, Federal, and privately-funded student financial aid programs for the benefit of Oregonians attending institutions of postsecondary education.
The mission of the Oregon Student Assistance Commission is: To assist Oregon students and their families in attaining a post-secondary education and to enhance the value, integrity, and diversity of Oregon's college programs.
www.mappingyourfuture.org Information on planning a career, selecting a school and paying for college.
RECOMMENDED READING
BUDGETING
Making the Most of Your Money - by Jane Bryant Quinn.
How to Get Out of Debt, Stay Out of Debt, and Live Prosperously - by Jerrold Mundis Quinn.
Life or Debt - by Stacy Johnson
The Money Diet - by Ginger Applegarth
Your Money or Your Life - by Vicki Robin and Joe Dominguez
The Tightwad Gazette - by Amy Dacyczyn
1001 Ways to Cut Your Expenses - by Jonathan D. Pond
The Total Money Makeover - David Ramsey
Make Money Not Excuses - Jean Crazky
7 Money Mantras for a Richer Life - Michelle Singletary
The 9 Steps to Financial Freedom - by Suze Orman
Straight Talk on Money - by Ken & Daria Dolan
Personal Finance for Dummies - by Eric Tyson
The Only Investment Guide You'll Ever Need - by Andrew Tobias
Investing for Dummies - by Eric Tyson
Bogle on Mutual Funds - by John C. Bogle
Kiplinger's 12 Steps to a Worry Free Retirement - by Daniel Kehrer
Social Security, Medicare and Pensions: The Sourcebook for Older Americans - by Joseph Matthews
How to Plan for a Secure Retirement - by Barry Dickman & Trudy Lieberman
Life Insurance: A Consumer's Handbook - by Joseph M. Belth
Winning the Insurance Game: The Complete Consumer's Guide to Saving Money - by Ralph Nader & Wesley J. Smith
Taxes for Dummies - by Eric Tyson & David Silverman
It's Not What You Make-It's What You Keep - by Julian Block
J.K. Lassier's Year-Round Tax Strategies - by David DeJong & Ann Gray Jakabcin
Stand Up to the IRS - by Frederick W. Daily
The Homebuyer's Survival Guide - by Kenneth W. Edwards
Home Buying for Dummies - by Eric Tyson and Ray Brown
The 106 Common Mistakes Homebuyers Make (And How To Avoid Them) - by Gary W. Eldred
Kiplinger's Money Smart Kids (and Parents, Too) - by Janet Bodner
A Penny Saved - by Neale S. Godfrey & Carolina Edwards
Money Doesn't Grow on Trees - by Neale S. Godfrey & Carolina Edwards
