Financial Resources

10 Ways to Save on Your Cell Phone Bill: Cell Phones -- there are ways you can save money while still enjoying the features that led you to purchase the phone.
2009 Stimulus In President Obama's Own Words: This historic step won't be the end of what we do to turn our economy around, but the beginning,
5 Tips For Improving Your Credit Score: Understand how your credit score works along with 5 great tips for improving your credit score
66 Ways To Save Money: Tips on everything from airline fares to prescription drugs
AAA Credit Ratings Explained: AAA Rating Explained
Assessment Delinquency Rates: Managers are beginning to see more associations with delinquency rates approaching 20%.
Association Foreclosure: No Small Chore!: What happens once a property is owned by the Association due to foreclosure
Avoid Scams!: A pre-purchase checklist to avoid problems and make safe purchases
Avoiding Foreclosure Rescue Scams: These fraudulent foreclosure rescue companies offer vague promises, but will actually lie and cheat to get your business.
Budget Preparation Tips: Things to take into account when preparing the association's budget.
Budgeting Whys and Wherefores: What goes into a good association budget.
Changes to Bankruptcy Law: Under the new law, those who have the ability to do so may be required to pay back part of their debt.
Closing Out Your Year End Financial Statements: What to consider when closing out the year's books
Condo Association Insurance - Who Covers What?: Looking at Condominium Association Master Insurance Policies - who covers what?
Condominium Insurance: Are You Insured Adequately?: Insurance for condos is different from homeowners insurance for a single family home, and usually requires more coverage
Correcting Fraudulent Information in Credit Reports: Using the Fair Credit Reporting Act to correct fraudulent entries on your credit reports.
Directors, Officers and Conflicts of Interest: A discussion of conflicts of interest, potential and actual, and and how to handle them.
Disaster Unemployment Assistance: This is employment that has been lost or interrupted as a direct result of a major disaster declared by the U.S. President
Do you owe taxes on your home sale?: Chances are good that you wont owe any taxes when you sell your primary residence thanks to the 1997 Taxpayer Relief Act
Economic Stimulus Plans - A Glossary Of Terms: Generally accepted definitions are given below so that you can become conversant in the language of stimulus packages.
Employee or Independent Contractor?: Determining employee or independent contractor status with IRS criteria
Executive Summary of the 2009 Stimulus Package: In the next two weeks, the Congress will be considering the American Recovery and Reinvestment Bill of 2009
Extended Unemployment Benefits: Extended Benefits are available to workers who have exhausted regular unemployment insurance benefits during periods of high une
FAQs About Buying HUD Homes: Answers to common questions about buying HUD homes
Features of Reverse Mortgage Loans: Unlike the typical home loan, the amount you owe on a reverse mortgage grows over time.
Filing For Bankruptcy: Bankruptcy cases cannot be filed in state court.
Financial Reporting: Key to Sound Decision-Making: Using accounting principals to provide financail reports and information to the HOA
Funding Reserve Studies: Overseeing how reserve funds should be set up and managed for an HOA
Funds for Handyman-Specials and Fixer-Uppers: How to get funds for handyman-specials and fixer-uppers through HUD's 203(k) program.
Home Sweet Home Improvement: Ways to safely choose a qualified home improvement pro to help with your project
Homeowners Insurance: Twelve Ways To Save: Twelve ways to save on homeowners insurance.
How Can I Afford A Fixer-Upper?: Using a HUD 203 (k) loan to purchase a house needing repairs.
How Identity Theft Occurs: Ways thieves can steal your identity and what to do if it happens.
How Landlords Can Use Credit Scoring to Make Rental Decisions: Ways in which FICO credit scores can help landlords choose renters.
How To Avoid Foreclosure: HUD Guide on how to avoid foreclosure.
How To Spot Counterfeit Money: Hold the bill up to the light and check for:
How To Stop Debt Collector Contacts: Info from the Fair Debt Collection Practices Act on how to stop debt collectors from contacting you.
How to Choose a Bankruptcy Attorney: Bankruptcy Attorney
How to Improve Your Credit Score: Your credit score is calculated using a complex algorithm that takes into account many different factors.
Identity Theft! Avoid It!: U.S. Governmenet guide to ID theft prevention
If You Must Have An Audit: Audits can make people nervous. We all fear the dreaded "IRS audit"
It's Budget Time!: Checklist to help prepare an HOA budget
It's Never too Early to Cover Your Assets: Looking at how to provide funding for replacement of physical assets
Loan Modification: Is it Right For You?: What is loan modification? How is it different than refinancing a mortgage and what does it take to qualify.
Making Your Home Energy Efficient!: How to do a home energy audit and make your home more energy efficient.
Minimum Wage: The Department of Labor enforces the Fair Labor Standards Act (FLSA)
Mutual Self-Help Housing Loan Program (Section 502): Self-help loan program to help low-income people afford and build a home.
Obama Stimulus Plan FAQ: FAQ about what is in the Obama 2009 Stimulus plan and who qualifies for what...
Own a home in a community association? Use this tax break!: take advantage of this often overlooked benefit.
Prepaid Credit Cards: There are plenty of situations where a prepaid card might be the most convenient choice, but be sure you understand the terms
Renegotiating Technology Services in a Recession: Most technology companies are hemorrhaging customers.
Reserve Now Or Pay Later: Important responsibilities of the association’s board of directors
Review vs. Audit: Differences between an annual financial audit or financial review
Risk Management and Insurance: How insurance policies can help with risk management
Roof Replacements: No margin for error: Various factors a community association needs to consider when replacing roofs.
Rural Single Family Home Loans: Section 502 loans can help low-income families purchase homes in rural areas.
Save Money On Your Family's Technology Needs: Do not continue to pay for any technology services at the current rates.
Saving Water Can Save You Money: Excellent tips and planning guide for saving money by saving water in your garden and landscaping.
Saving and Managing Your Money During a Recession: Great tips on how to save and manage your money during hard times.
Selecting a Certified Public Accountant (CPA): Tips for choosing a CPA and a sample RFP to engage one
Selecting and Contracting Service Providers: What to consider when selecting a service provider and creating the contract with the Association
Service Contracts: Should You Buy One?: Service contracts and extended warranties: Should you buy them?
Should you rent or sell your home?: Whether you sell your home or rent it out depends on any number of factors
Six Tools for Dealing with Negative Equity: Six Tools for Dealing with Negative Equity
So You Lost Your Job?: Looking for a job in today’s market is much more than a looking at the classified ads over breakfast. Learn what to do!
Special considerations when excluding home sale gain from taxes: Homeowners who realize a gain (profit) from the sale of their home may qualify to exclude part or all of that gain from their in
Stimulus Package 2009 - What's In It For YOU: All of the details of the $787 billion stimulus package and how it pertains to you.
Tax Credits for Energy Conscious Purchases: New tax laws will allow tax credits for energy-conscious purchases.
The 2009 Mortgage Bailout: The administration is launching what it calls the “Making Home Affordable” initiative.
The 2009 Mortgage Bailout Executive Summary: Homeowners with mortgages up to $729,750 may qualify for this program.
The 2009 Omnibus Bill Explained: 2009 Omnibus Appropriations Act totals about $410 billion and covers funding for fiscal year 2009
The 2009 Stimulus Package Explained: All the details on the 2009 Stimulus package and how to get your piece of the pie.
The Case For Reserves: A Cautionary Tale: Case study regarding the importance of funding reserves no matter the age of the association
The Great Debate: Should We Reserve for Siding?: Siding upkeep and whether it should be part of the Capital Reserve Fund
The Homeowner Affordability and Stability Plan (HASP): Two groups of people would benefit directly from the President’s plan.
The Importance of Reserve Planning and Funding: Why Reserve Funding is crucial
Tips On Buying a Home: Helpful tips and links on buying a home.
Tips for Choosing a Tax Preparer: It is important to choose carefully when hiring an individual or firm to prepare personal returns.
Trade Adjustment Assistance: For those laid off or hours reduced because their employer was adversely affected by increased imports from other countries.
USDA Rural Housing Repair and Rehab Loans: Loans and grants available for low income families to repair or rehabilitate their homes.
Understanding Financial Statements: Internal Controls: Internal controls checklist to insure financial transactions are executed with the proper authority
Understanding Financial Statements: The Balance Sheet: Primer on understanding finanical statements
Unemployment Compensation for Ex-servicemembers: Benefits are paid for by the various branches of the military, NOAA or USPHS.
Unemployment Compensation for Federal Employees: Unemployment benefits for eligible unemployed former civilian Federal employees.
What Are Earmarks?: In the last election both McCain and Obama promised to end earmarks, if they were elected.
What Are Fannie Mae and Freddie Mac?: If Fannie and Freddie were purely private firms they would have failed in 2008.
What Are U.S. Savings Bonds?: U.S. Savings Bonds are a safe, easy way to save money and a solid addition to your investment portfolio.
What Is A Deed-In-Lieu?: If you are at the point of being willing to give up your home, but want to avoid foreclosure read this article
What Is A Land Bank?: Uses vacant land for the purpose of stabilizing neighborhoods and encouraging re-use or redevelopment of urban property
What Is The Value Of A Homeowner Association?: How the HOA can protect property values and maintain standards
What are Health Savings Accounts (HSAs)?: Health Savings Accounts will change the way millions meet their health care needs
What is Foreclosure?: If you are facing the possibility of foreclosure, there are two important questions that you need to ask yourself.
What is a Credit Score?: Your credit score is usually based on 5 criteria.
What is a Reverse Mortgage?: A reverse mortgage is a loan that allows you to convert some of the equity in your home into cash.
Why Have a Professional Reserve Study?: Reasons to have your association's reserve study done professionally
Workers Compensation Insurance?: Reasons why HOA's are required to carry Workers Comp Insurance

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