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Financial Counseling

    Results: 7

  • Credit Counseling (2)
    DM-1500.1500

    Credit Counseling

    DM-1500.1500

    Programs that provide assistance for people who want to improve their understanding of the consumer credit lending and collections systems, and maximize their skill in using credit. Services may include help in completing credit application forms, understanding how credit information is analyzed, choosing the best credit cards and/or interest rates available, determining how many credit cards can be managed, protecting one's credit information, communicating with creditors, improving poor credit reports and associated credit scores, eliminating credit card debt and dealing with other credit card issues.
  • Estate Planning Assistance (1)
    FT-2700

    Estate Planning Assistance

    FT-2700

    Programs that offer a review of options and assistance to people who want to provide for the administration and/or protection of their assets during their lifetime, develop a plan for managing their finances in the event of a disabling illness, prepare binding instructions for the health care they wish to receive or avoid should they become terminally ill, make arrangements for the disposition of their assets with a minimum amount of taxation upon their death and provide for the administration of their estate should their spouse or other beneficiaries be incapable of managing their affairs. Estate planning provides an opportunity for individuals to make their wishes known and to name the person(s) who will be responsible for carrying out those directives. Tools available during the estate planning process include a Last Will and Testament, durable power of attorney for health care, durable financial power of attorney and a directive to physicians such as a living will, natural death directive or other state-recognized document. A revocable living trust may also be appropriate in some circumstances.
  • Fraud Prevention (2)
    FN-1500.2050

    Fraud Prevention

    FN-1500.2050

    Programs that help older adults, people who live alone and other vulnerable individuals become aware of the scams and con games that are most frequently used to induce victims to part with their money or valuables. Common scams include fraudulent prize offers, "free" travel packages that have hidden costs or which never materialize, "get rich quick" investments that turn out to be worthless, tax debt/refund scams, phony charities with names that are similar to well-known organizations and schemes involving promises to recover an individual's money following their victimization by another scam.
  • Money Management (2)
    DM

    Money Management

    DM

    Programs that provide assistance for people who want to build personal wealth, obtain credit and use it responsibly, access their credit reports and correct erroneous information, pay their bills in an orderly way, reduce their debt burden and/or manage their financial resources more effectively. The objective of money management programs is to help individuals and families become more financially stable and achieve long-term economic independence.
  • Personal Financial Counseling (2)
    DM-6500

    Personal Financial Counseling

    DM-6500

    Programs that help people who are having difficulty paying their monthly bills gain control of their finances. The process generally involves analysis of the individual's income, expenses, debts, taxes and other factors to create a personal financial assessment; development of a budget for basic living expenses; and agreement on a short-term plan for repayment of creditors which may include debt consolidation or other strategies and a longer term plan for realizing personal financial goals.
  • Retirement Planning (4)
    DM-7150

    Retirement Planning

    DM-7150

    Programs that help people of all ages plan financially for retirement. Services may include a review of existing assets, retirement goals and expected retirement income and assets; analysis of options which may include work-related and individual retirement accounts, investments, savings accounts, trusts, annuities and insurance policies; and assistance in formulating strategies for money management, asset growth and protection, and realistic goal setting based on the client's age, current lifestyle, financial obligations and future earnings potential.
  • Tax Preparation Assistance (1)
    DT-8800

    Tax Preparation Assistance

    DT-8800

    Programs that help eligible individuals (including older adults, people with disabilities and people with low incomes) prepare their tax returns or complete paperwork to apply for tax relief in the form of tax credit, rebate, exemption or postponement programs. Included are programs staffed by volunteers or others who provide this service without charge and professional tax preparation services. Most tax preparation assistance sites allow the people they assist to file their tax return information electronically.
 
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