Managing Money
Publications
Bank on it. (2003). Money Smart. Federal Deposit Insurance Corporation. Washington, D.C.
Borrowing basics: What you don’t know can hurt you. (2002). Fannie Mae Foundation. Washington, DC.
Check it out. (2003). Money Smart. Federal Deposit Insurance Corporation. Washington, D.C.
Credit cards. (2003). McKenna, J., & Makela, C. Fact Sheet No. 9.144, Colorado State University Cooperative Extension. Ft. Collins, CO.
Credit reports. (2003). McKenna, J., & Makela, C. Fact sheet No. 9.141, Colorado State University Cooperative Extension. Ft. Collins, CO.
Credit: What are your choices? (2003). McKenna, J., & Makela, C. Fact sheet No. 9.140, Colorado State University Cooperative Extension. Ft. Collins, CO.
Knowing and understanding your credit. (2002). Fannie Mae Foundation. Washington, DC.
Payday borrowers: Trapped in a cycle of debt. (Video) (2003). Coalition for Responsible Lending. Durham, NC.
The video shows interviews with a variety of payday loan borrowers. It illustrates the loan process with examples. These loans, advertised as quick and easy ways to get cash, target low-income working consumers. Most borrowers are unable to repay within two weeks, and end up rolling over the loan and paying renewal fees multiple times. Borrowers pay interest rates of 400 percent, 500 percent or more. Trapped in this cycle, consumers often pay more in fees than the amount they originally borrowed.
Pay yourself first. (2003). Money Smart. Federal Deposit Insurance Corporation. Washington, D.C.
Your own home. (2003). Money Smart. Federal Deposit Insurance Corporation. Washington, D.C.
Web Documents
Building wealth: A beginner’s guide to securing your financial future. (2002). Federal Reserve Bank of Dallas. Retrieved on April 7, 2005, from http://www.dallasfed.org/ca/wealth/pdfs/wealth.pdf
Building a better credit record. (July 2002). Federal Trade Commission. Retrieved on November 11, 2003, from http://www.ftc.gov/bcp/conline/pubs/credit/bbcr.pdf
Credit scoring. (August 1998). Federal Trade Commission. Retrieved on November 7, 2003, from http://www.ftc.gov/bcp/conline/pubs/credit/scoring.pdf
How to dispute credit report errors. (July 2005). Federal Trade Commission. Retrieved on August 23, 2005, from http://www.ftc.gov/bcp/conline/pubs/credit/crdtdis.pdf
Pathways to getting ahead. (September 2003). Federal Reserve Bank of Boston Retrieved on April 8, 2005, from http://www.bos.frb.org/consumer/pathways/path_color.pdf
Your access to free credit reports. Federal Trade Commission. Retrieved on August 23, 2005, from http://www.ftc.gov/bcp/conline/pubs/credit/freereports.pdf
Renting a Home
Publications
Apartments. (1995). Hawks, Leona K. Utah State University Cooperative Extension. Logan, UT.
New Mexico's young consumer survival guide. (nd) Office of the Attorney General, Santa Fe, NM.
Rent smart. (1999). Merrill, J., Roder, B., Terry, K., and Thomas, P. University of Wisconsin System Board of Regents and University of Wisconsin Extension, Cooperative Extension, Madison, WI.
Web Documents
New Mexico Landlord Tenant Law. Retrieved February 15, 2005 from http://www.federalrealestate.net/laws/nmstatelaw.html
Renters handbook. (2003). Prairie State Legal Services, Inc. Rockford, IL. Retrieved from http://www.pslegal.org/Publications/RentersHandbook/Renters%20Handboook%202003.pdf
Renting. Retrieved February 16, 2005 from http://www.hud.gov/renting/index.cfm
Servicemembers Civil Relief Act Guide. Retrieved February 25, 2005 from www.uscg.mil/legal/la/topics/sscra/sscra_guide.htm
Should you buy or rent a home? (1995). Retrieved from http://www.ces.ncsu.edu/depts/fcs/housing/pubs/fcs426.html
Uniform Owner-Resident Relations Act. Retrieved February 15, 2005 from http://jec.unm.edu/resources/benchbooks/magistrate/1-6-1.htm
Deciding to Buy a Home
Publications
Healthy house building for the new millennium: A design & construction guide. (2000). Bower, John, Healthy House Institute. Bloomington, IN.
Homes today and tomorrow. (2002). Sherwood, Ruth F. Glencoe McGraw-Hill. New York, NY.
Core curriculum: National standards for homeowner educators and housing counselors. (2000). American Homeowner Education & Counseling Institute. Washington, D.C.
Homebuyer’s checklist. (2002). Irwin, R. New York: McGraw-Hill.
How to buy your own home. Teacher’s guide and student workbook. (1998). Fannie Mae Foundation. Washington, D.C.
Opening the door to a home of your own. (2002). Fannie Mae Foundation. Washington, DC.
Realizing the American dream: A workbook for homebuyers. (2nd ed.). (1998). McQueen, K., Schneider, D., Thresher, A., & Maggiano, L. Neighborhood Reinvestment Corporation. Washington D.C.
Understanding your options: Manufactured housing. (2004). Neighborhood Reinvestment Corporation. Washington, D.C.
Your own home. (2003). Money Smart. Federal Deposit Insurance Corporation. Washington, D.C.
Web Documents
Common questions from first-time homebuyers. U.S. Department of Housing and Urban Development. Retrieved June 1,2005 from http://www.hud.gov/buying/comq.cfm
Homebuying – Property transfer. Find Law for the Public. Retrieved February 17, 2005 from http://www.realestate.findlaw.com/ homeownership/home-buying/home-buying-transfer-property.html
Home-buying Process
Publications
Choosing the mortgage that’s right for you. (2003). Fannie Mae Foundation. Washington, DC.
Family living. (1990). Leavenworth, C., Hendricks, G., Gay, K., Harriman, L., & Kreinin, M. Prentice Hall. Needham, MA.
A guide to homeownership. (1994). Fannie Mae, Customer Education Group. Washington, D.C.
Homebuyers’ guide: Financing and evaluating prospective homes. (1998). McCarty, J. (Ed.) Ithaca, NY: NRAES Cooperative Extension.
Homebuying for dummies 2nd Edition. (2001). Tyson, E., & Brown, R. New York, NY: Wiley Publishing Inc.
Homes with character. (1987). Thompson, C. Glencoe Publishing Company. Mission Hills, CA.
Keys to homeownership. (2001). National Foundation for Credit Counseling. National Foundation for Credit Counseling. Silver Spring, MD.
Kiplinger’s buying & selling a home. (1993). Kiplinger’s Magazine Books. Washington, D.C.
Realizing the American dream: A workbook for homebuyers. (1998). NeighborWorks, Washington, DC.
You can own your home workbook. (2003). New Mexico Mortgage Finance Authority. Santa Fe, NM.
Web Documents
About MFA. New Mexico Mortgage Finance Authority. Retrieved September 15, 2004, from http://www.nmmfa.org/aboutMFA/aboutMFA.htm
Accommodating disability. (2004). National Association of Home Builders. Retrieved September 16, 2004, from http://www.nahb.org/generic.aspx?genericContentID=346
A consumer home inspection kit. (1995). Retrieved from http://www.freddiemac.com/sell/consumerkit/english/
Home safety – Radon gas. (1999). Shaw, B. W., & Denny, M. L. Publication Retrieved from http://tcebookstore.org/pubinfo.cfm?pubid=1110
Housing issues. National Association of Home Builders. Retrieved September 15, 2004, from http://www.nahb.org/page.aspx/category/sectionID=204
Indoor radon outreach program. New Mexico Environmental Department. New Mexico Radiation Control Bureau; Retrieved September 14, 2004, from http://www.nmenv.state.nm.us/nmrcb/radon.html
Insurance checklist: A guide for homebuyers. Insurance Information Institute. Retrieved December 1, 2004, from http://www.insurance.info/static/img/brochures/homeowners_checklist.htm
Lead in paint, dust and soil. U.S. Environmental Protection Agency. Retrieved September 14, 2004, from http://www.epa.gov/lead/
Looking for the best mortgage. The Federal Reserve Board. Retrieved August 23, 2005, from http://www.federalreserve.gov/pubs/mortgage/mortb_1.htm#head1
100 questions & answers about buying a new home. The U.S. Department of Housing and Urban Development. http://www.hud.gov/offices/hsg/sfh/buying/buyhm.cfm
Pre-settlement walk through tips. National Association for Home Builders. Retrieved September 15, 2004, from ttp://www.nahb.org/generic.aspx?genericContentID=348
Termites and other wood-destroying insects. U. S. Department of Housing and Urban Development. Atlanta Homeownership Center. Retrieved September 14, 2004, from http://www.hud.gov/offices/hsg/sfh/circ/atl/atlrev2.cfm
Termite inspection. U.S. Inspect. Retrieved September 14, 2004, from http://www.usinspect.com/FAQs/TermiteFAQs.asp
When it rains, it pours. (2000). New Mexico Climate. New Mexico State University. Retrieved from http://weather.nmsu.edu/News/nmcli1spr00.pdf
Maintaining the Home
Publications
The healthy house answer book: Answers to the 133 most commonly asked questions. (1997). Bower, John. Healthy House Institute. Unionville, IN.
Home*A*Syst: An environmental risk-assessment guide for the home. (1997). Andrews, et al. Ithaca, NY: Regents of the University of Wisconsin System and Northeast Regional Agricultural Engineering Service.
Indoor air quality handbook. (2001). McGraw-Hill. New York, NY.
Lead poisoning and your children. (1992). The Office of Pollution and Toxics and the Office of Ground Water and Drinking Water. U.S. Environmental Protection Agency, Washington, DC.
My house is killing me: the home guide for families with allergies and asthma. (2001). May, Jeffrey C. Johns Hopkins University Press. Baltimore, MD.
Web Documents
Adapting your home for more accessible living. (2002 ). Harris, J. Texas Cooperative Extension Retrieved from http://tcebookstore.org/pubinfo.cfm?pubid=1389
Consumer choices: Buying new carpet. (2000). Stone, Jan. Iowa State University Extension. Retrieved from http://www.extension.iastate.edu/Publications/PM1858.pdf
Create a home recycling center. (1992). Yearns, M. H., Warme, L. N., & Sternweis, L. Iowa State University Extension. Retrieved from http://www.extension.iastate.edu
Energy conservation in the home. (2002). Walker, L. Colorado State University Cooperative Extension. Retrieved from http://www.ext.colostate.edu
A guide to energy-efficient cooling and heating. (2003). Energy Star. Retrieved from http://www.energystar.gov
Preventing carbon monoxide problems. (2003). Tremblay Jr., K. R. Colorado State University Cooperative Extension. Retrieved from http://www.ext.colostate.edu
Radon gas. (1999). Shaw, B. W., & Denny, M. L. Texas Agricultural Extension Service. Retrieved from http://tcebookstore.org/pubinfo.cfm?pubid=1110
Selecting upholstered furniture. (1999). Williams, K. Colorado State University Cooperative Extension. Retrieved from http://www.ext.colostate.edu/pubs/consumer/09536.html
Update your home for a lifetime of living. (2001). Iowa State University Extension. Retrieved from http://www.extension.iastate.edu/Publications/PM1824.pdf
When will your house fall apart? (2002). Hawks, L. K., & McCay, T. Utah State University Extension. Retrieved from http://extension.usu.edu/files/homipubs/flho-12.pdf
You can make simple repairs. (1998). Johnson, S. R. Iowa State University Extension. Retrieved from http://www.extension.iastate.edu/Publications/SP61B.pdf
Being a Responsible Homeowner
Publications
Creating a healthy household: The ultimate guide for healthier, safer, less-toxic living. (2000). Bower, Lynn Marie The Healthy House Institute. Bloomington, IN.
The healthy house: How to buy one, how to build one, how to cure a sick one. (4th ed.). (2001). Bower, John. The Healthy House Institute. Bloomington, IN.
Residential housing & interiors. (1998). Kicklighter, Clois E. Goodheart-Willcox Company, Inc. Tinley Park, IL.
Web Documents
Ask for estimates. National Association of Home Builders. Retrieved August 22, 2005, from http://www.nahb.org/generic.aspx?sectionID=126&genericContentID=330
Common abuses: Seven signs of predatory lending. Center for Responsible Lending. Retrieved August 22, 2005 from http://www.responsiblelending.org/abuses/abusive.cfm
Don’t be a victim of loan fraud, protect yourself from predatory lenders. (n.d.) U.S. Department of Housing and Urban Development. Retrieved on October 30, 2003, from http://www.hud.gov/offices/hsg/sfh/buying/loanfraudbroc.pdf
How do I file a homeowners claim? Insurance Information Institute. Retrieved August 22, 2005, from http://www.iii.org/individuals/homei/help/howclaim/
How to avoid foreclosure. U.S. Department of Housing and Urban Development. Retrieved August 22, 2005, from http://www.hud.gov/foreclosure/index.cfm
Need a loan, think twice about using your home as collateral. (July 2003). Federal Trade Commission. Retrieved from http://www.ftc.gov/bcp/conline/pubs/homes/hoepa.pdf
Payday loan = costly cash. (February 2000). Federal Trade Commission. Retrieved on November 11, 2003, from http://www.ftc.gov/bcp/conline/pubs/alerts/pdayalrt.pdf
Should I hire a professional? National Association of Home Builders. Retrieved August 22, 2005, from http://www.nahb.org/generic.aspx?sectionID=126&genericContentID=320
Housing Related Websites
American Society of Home Inspectors
The American Society of Home Inspectors (ASHI) Web site has information
about home inspection for homebuyers, sellers, real estate professionals
and home inspectors. A home inspection points out both the positive
aspects of a home and the maintenance that will be needed to keep it in
good shape. Buyers and sellers obtain clearer understanding of the value
of the property and can make good decisions concerning an agreement for
sale or purchase. The site provides information in a frequently asked
questions, state regulations, and standards of practice and code of
ethics which apply to ASHI members.
www.ashi.org
Center for Responsible Lending
This non-profit organization works to stop predatory lending abuses
through legislative and policy advocacy, coalition building, litigation
and industry research. The center provides information and links to Web
sites so that consumers can educate themselves or find help through
consumer organizations.
www.responsiblelending.org
Fannie Mae
Fannie Mae is a private, shareholder-owned company that works to ensure
mortgage money is available for people in communities across America.
They do not lend money directly to homebuyers. Instead, they work with
lenders to make sure they do not run out of mortgage funds, so more
people can achieve their goal of homeownership. The Fannie Mae site
contains valuable resources for first-time homeowners. To view their
resources on homebuying simply click on a subsection of the For
Homebuyers & Homeowners tab.
www.Fanniemae.com
Freddie Mac
Freddie Mac is a stockholder-owned corporation chartered by Congress in
1970 to keep money flowing to mortgage lenders in support of
homeownership and rental housing. Freddie Mac conducts its business
primarily by buying mortgages from lenders, packaging the mortgages into
securities and selling the securities — guaranteed by Freddie Mac — to
investors. This ultimately helps homeowners and renters get lower
housing costs and better access to home financing. Resources for both
educators and homebuyers are available under the Buying and Owning a
Home tab.
www.freddiemac.com
Federal Citizen Information Center
This site lists a variety of publications of interest to consumers,
including housing topics such as financing and selling a house and home
maintenance. Most require a small fee if ordered by mail. They are
available online at the Web site. To view the resources on housing
simply click on the Housing tab.
www.pueblo.gsa.gov
Federal Trade Commission (FTC)
The Federal Trade Commission (FTC) is a federal organization that works
to ensure that the nation’s markets are vigorous, efficient and
free of restrictions that harm consumers. It has many valuable resources
that aim at educating the consumer. The agency is involved with the
enforcement of consumer protection laws whether its combating
telemarketing fraud, Internet scams or price-fixing schemes, the
FTC’s primary mission is to protect consumers.
www.ftc.gov
FTC's Web site on Credit
This site has information about shopping for mortgage or auto loans,
checking the accuracy of your credit report, dealing with debt
collectors, or looking for ways to protect your personal financial
information. It includes compliance requirements for businesses,
information about recent FTC law enforcement actions and has a summary
of consumer rights under the Fair Debt Collection Practices Act and Fair
Credit Reporting Act.
www.ftc.gov/credit/
Your National Resource for Identity Theft
Identity theft occurs when someone uses your personal information such
as your name, Social Security number, credit card number or other
identifying information without your permission to commit fraud or other
crimes.
Identity theft is a serious crime. People whose identities have been
stolen can spend months or years — and their hard-earned money —
cleaning up the mess thieves have made of their good name and credit
record. In the meantime, victims may lose job opportunities, be refused
loans, education, housing or cars, or even get arrested for crimes they
did not commit.
www.ftc.gov/ftc/consumer.htm
At Home
The At Home section contains information on a variety of topics
including savings, home equity loans, consumer cons and other
miscellaneous items. This is a good resource to help consumers with pre
and post-purchase home issues.
www.ftc.gov/bcp/menu-home.htm
The Federal Reserve Board
The Federal Reserve System, often referred to as the Federal Reserve or
simply "the Fed," is the central bank of the United States. It was
created by Congress to provide the nation with a safer, more flexible
and stable monetary and financial system. Over the years, its role has
evolved and expanded. Within the Web site there are publications and
links to other sites including information bank accounts and services,
consumer credit, identity theft, leasing, mortgages and personal
finance.
www.federalreserve.gov/consumers.htm
Jump$tart Coalition
The Jump$tart Coalition for Personal Financial Literacy seeks to improve
the personal financial literacy of young adults. Jump$tart's purpose is
to evaluate the financial literacy of young adults; develop, disseminate
and encourage the use of standards for grades K-12; and promote the
teaching of personal finance. The Jump$tart Coalition believes that all
young adults need to have the financial literacy necessary to make
informed financial decisions.
www.jumpstartcoalition.org
National Endowment for Financial Education
The National Endowment for Financial Education® (NEFE®) is a non-profit
501 (c) (3) foundation dedicated to helping all Americans acquire the
information and gain the skills necessary to take control of their
personal finances. NEFE accomplishes its mission primarily by partnering
with other concerned organizations to provide financial education to
members of the public — in particular, to underserved individuals whose
financial education issues are not being addressed by others. These
partnerships are an effective means of responding to the needs of many
different groups within the general population.
www.nefe.org
Education Programs
This "action area" of the National Endowment for Financial Education®
(NEFE®) was created to provide Americans with practical money management
skills and an introduction to financial planning through coursework that
covers the fundamentals of money management.
Although not restricted to a particular age group,the Education
Programs area has focused largely on increasing financial literacy among
the nation's youth. This focus is exemplified by the organization's
longest-standing public service effort, the NEFE High School Financial
Planning Program® (HSFPP).
As a complement and enhancement to the NEFE High School Financial
Planning Program, NEFE provides its first Web-based training program.
The course is aimed at teachers and others who work with young people
and provides background information on personal finance and features
myriad suggestions and examples that can be applied to classroom
exercises and discussions. Click here to access the HSFPP Web-based training program.
www.nefe.org/hsfppportal/
Neighborhood Reinvestment Corporation
This is a national nonprofit organization created by Congress to provide
financial support, technical assistance and training for community-based
revitalization efforts. The Corporation does business under the name
NeighborWorks. Its publications include NeighborWorks, Bright Ideas and
a wide range of reports and studies on affordable housing and community
development topics. Many of the documents are available online but paper
copies of some of publications are available by request.
www.nw.org
U.S. Department of Housing and Urban Development (HUD)
The HUD Web site provides a comprehensive resource on nearly every
housing topic including buying and selling a home, loan fraud, predatory
lending, avoiding foreclosure and many more. Information is available
for consumers, the housing industry and other agencies. A place to begin
is the Homebuyers link
http://www.hud.gov/buying/index.cfm
under Information for Citizens listing.
www.hud.gov
