• Historical Stock Prices bigcharts.com
• Networth Services Inc. Provides Accurate Cost Basis Information Services in USA
• WSJ.com - U.S. Home
• AAII: The American Association of Individual Investors  Investment Education for the Individual InvestorReuters.com
• Marketplace from American Public Media
• Financial Sense Online
• InvestmentHelp.Org
  
• ICLUBcentral :: Software and Tools for Investment Clubs and Investors
• Hollywood Stock Exchange
• Wikinvest.com a Wikipedia for investments constantly updated resource that reflects more than just a single expert's opinion of a certain company
• Vanguard - Forms & literature-Learn about investing
• Understanding your brokerage account statements
• Securities Industry Association brochure
  
• Another brochure, from the Indiana Securities Division
  
• FDIC: Electronic Deposit Insurance Estimator (EDIE) – Online Version
  
• How the markets really work Humorous video explaining the market crisis ... How did these comedians see the market crisis comping when financial reporters did not? (from 2007)
  

• Dow Jones Indexes
• Russell Indexes - It's the Market (Russell.com)
• S&P Indices
• Wilshire Indexes
• Historical Map of the Stock Market Crash, 1929-1934
  

• Portfolio Solutions  Global balanced core strategies using low-cost open-end mutual funds and exchange traded funds (ETFs); fee: 0.25% per year on assets up to $5 million; The minimum quarterly fee is $500.
• AssetBuilder, Inc. Four elements of investing; simple indexing, simple diversification, smart indexing and smart asset allocation. Fee structure ranges from a maximum of 50 basis points (0.5 percent) a year down to 25 basis points, depending on the size of the account. $50,000 minimum.
• RamseyInvesting.com  Asset Allocations based on Risk Tolerance; Diversified portfolios; Three Investment Styles Available:Active; Socially Responsible; Passive." Fee structure ranges from a maximum of 1 percent (100 basis points) a year down to 40 basis points, depending on the size of the account.$50,000 minimum

• Asset Allocation and Modern Portfolio Theory
• Smart Money Interactive  Asset Allocation System designed to help you see how different asset mixes may be appropriate for investors in different circumstances
• AthenaInvest, Inc. SBI - Strategy Based Investing  an alternative approach to allocating across Morningstar style boxes; this new approach uses ten primary strategies by performance and attribution to construct portfolios

• Efficient Frontier 
  
• Large-Cap and Small-Cap Funds Explained - Mutual Funds Center - Yahoo! Finance  
  
• The Big Picture: Small Cap Value vs Large Cap Growth 
  
• Small- and Mid-Cap Stocks: Bigger Isn't Always Better

• Four Foreign Real Estate Funds
• DFITX
  
• DRW
• RWX:SPDR DJ Wilshire Intl Real Estate
• NGREX Northern Global Real Estate Index Report

• How to buy Euros  Explains how to do it and links to other good articles discussing risk
• Link to company selling Euros

• CGW Quote | Claymore S&P Global Water Report invested equally between two separate types of water-related businesses: water utilities & infrastructure, and water equipment & materials
• PIO Quote | PowerShares Global Water Report
• PHO Quote | PowerShares Water Resources Report

• Hussman Strategic Growth Report HSGFX Long Short Fund
  
• Arbitrage ARBFX "a hedge fund strategy, merger arbitrage, but unlike its private brethren, it doesn't use leverage and keeps a lid on risk" (Morningstar.com) Company information: The Arbitrage Fund

• Morningstar: one of the best sources of data for mutual funds
• Beginners' Guide to Mutual Funds: Online Publications at the SEC
• Mutual funds Investment Center
• Brill's Mutual Funds Interactive
• Mutual funds cost calculator
• The Honor Roll - Forbes.com
• AAII: Mutual Funds: Investing in Mutual Funds, Comparing Mutual Funds and More
• Zacks.com

• Schwab Funds - Fundamentals Index Site  &  Rob Arnott's Fundamental Index Webcast & Video Transcript, Charles Schwab & Co., Inc.
• In Investing, Passive Beats Active - New York Times, 5/12/07 [must register with NYTimes}
  
• They're lazy and they're boring, but they're winning portfolios - MarketWatch, 6/18/06, Lazy Portfolios:  well-diversified mixes of 11 or less no-load, low-cost index funds
• Barrons 400 Index - Top Stocks - Top Performing Stocks - Barron's Online
  

• Amex
• Etfconnect

• Finding Funds with Low Tax Bills - WSJ.com
• Unsensible Tax Law? Investing Sensibly Lowers the Frustration - WSJ.com

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• Invest FAQ:Insurance:Annuities
• The Good, Bad, and Ugly of Annuities
• Key Questions to Ask your Annuity Carrier

• Variable Annuities
• Investor Tips: Variable Annuities from the US Securities and Exchange Commission
•  MsMoney.com - Annuity - Variable Annuity Advantages & Disadvantages

• Fixed Immediate Annuities
• Immediate Annuity
• Immediate Annuities - Instant Annuity Quote Calculator  Enter your state, age and dollar amount below and get an immediate income annuity quote.
• FIAToday.com™ Dedicated to Presenting an Objective View of Fixed Indexed Annuity
• Advantages & Disadvantages of Immediate Annuities

• Equity Indexed Annuities
• Fixed annuities vs. equity indexed annuities
• Annuities With An S& P Return - washingtonpost.com
• FINRA - Investor Alert - Equity-Indexed Annuities—A Complex Choice
• Be cautious of equity-indexed annuities: HeraldTimesOnline.com

• Low Load Annuities
  
• Low Cost Variable Annuity - Jefferson National's Monument Advisor  only a $20 flat insurance fee on more than 97% of the underlying funds
• Advisor Resources Annuities with no Surrender Schedule; M&E expense for the base contract is 0.55%. Available only through advisors.
• Ameritas
• Low Load Life Insurance

• Investinginbonds.com  
• Bonds [Investing Basics]  from the Motley Fools at Fools.com 
• Inflation-Protected Investments from the Motley Fools,  June 26, 2000
• What You Should Know About U.S. Inflation Protected Securities
• TreasuryDirect
• Bureau of the Public Debt : Savings Bond Wizard (R)  Calculate the value and interest rates of savings bonds you hold
  
• MoneyAisle: Bank CD, High-Yield Savings Account   Banks actively bid against each other in live auctions for each individual consumer request.

• Fool.com: Bonds vs. Bond Funds [Retiree Portfolios] September 5, 2000
• Bond vs. Bond Funds (One Bond Strategy) | SmartMoney.com
• Bond Funds vs. Bonds a comparison from Fidelity
  

• Kiplinger
• Bankrate
• BanxCorp
• U.S. Prime Interest Rate Forecast

• Social Investment Forum: Excellent source to find out about funds and issues 
• Socially Responsible Mutual Fund Charts: Screening & Advocacy
• Know what you own, Calvert's screening service for mutual funds 
• GreenMoney Journal 
• SocialFunds.com
  
• Co-op America: Economic Action for a Just Planet
• SRI in the Rockies: The premier industry conference for socially responsible investing in the United States
  
• KLD Research & Analytics, Inc. -- Socially Responsible Investing and Research
• Social Science Research Network-The Price of Ethics: Evidence from Socially Responsible Mutual Funds by Luc Renneboog, Jenke ter Horst, Chend
• Hal Brill on SRI and Unhealthy Relationships with Money, from 10 Questions with Noetworthy People, FPA Journal, Summer 2008
  

• Kiva.org - Loans that change lives  loan money to unique small businesses in the developing world through micro-finance
• Community Investing (from Financial Planning Magazine) Special loan funds for underserved communities are popping up like condos. Jump into the lending pool (excellent list of resources)
  

• Ideal Bite - Bite-sized ideas for light green living - Green living/consumer tips made fun and easy
• Alternative Energy (from Financial Planning Magazine) Dwindling reserves of expensive, polluting fossil fuels have sent investors in pursuit of alternatives to traditional energy sources
• Sustainable Business, Green Business, Renewable Energy, Organic & Green Investing, Green Capital
• Clean Edge - The Clean-Tech Market Authority
• Green Real Estate (from Financial Planning Magazine) Interest in green real estate investment products is building. Here's how to get in on the ground level ...
• Funds
• New Alternatives Fund - A Mutual Fund Investing in Alternative Energy
• WilderShares Homepage (ECO)   ETF with the goal to define and track the Clean Energy sector: specifically, businesses that stand to benefit substantially from a societal transition toward use of cleaner energy and conservation
• Winslow Green Growth Fund, Environmentally Responsible Investing
• Progressive Real Estate Fund from Forward Funds

• How to do Shareholder Activism
• Corporate Accountability International - Challenging Abuse, Protecting People

• Investors Against Genocide
• Sudan Divestment Task Force
  
• For mutual funds, check out the Sudan Screening Tool

• FidelityOutofSudan - Fidelity Out of Sudan! 400,000 Voices for 400,000 Lives
• dotherightthing.com  Fidelity Investments is helping to support Genocide in Darfur

• Reverse Mortgages - Top Ten Things to Know - HUD
• Reverse Mortgages, AARP, a Wise Consumer, Driver Safety, Managing Money, Home Modification

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• Job outlook for college graduates -- is college a good investment?
  
• Comparing costs of top private colleges
• Which College Savings to Tap First - Kiplinger.com
• Octameron Associates: The College-Knowledge Company: 
• Check out  financial aid tips,
  
• Read the latest college news,
  
• Request a free college planning calendar,
  
• Shop the college store
  

• Scholarship Search: Peterson's
• Scholarship Search: Fast Web
• Finaid.org: Scholarships & loan information
• Collegenet.com: Financial aid, scholarship & more info

• Estimate family contribution based on Federal forms
• College Aid Calculator
• Estimate Family Contribution: Consensus Approach

• Nellie Mae
• The Education Resource Institute

• College Funding Vehicle Comparison -- pdf summary
• A Crash Course in College Savings Plans (Morningstar)
• Comparing college savings plans (Fidelity)
• Savingforcollege.com -- best overall site on 529 plans
• Morningstar Advisor on College Savings - good collection of articles
• How to Pick a 529 Plan (Morningstar)
• The Best and Worst 529 College Savings Plans (Morningstar)
  
• Everything You Need to Know About 529s - Kiplinger.com check out Kiplinger's favorite plans
• Ultimate College Guide 2005: Best 529s(CNN Money)
• College-Savings Educator, Morningstar Advisor Edition  good links to articles about planning for college
  
• Fidelity Massachusetts U Fund
• Freshman Fund: a website that allows friends and family members to contribute money directly into a child's 529 account.
• Some of my favorite plans
• College Savings Plan of Nebraska
  
• Utah Educational Savings Plan
  

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• Overview: Disability Insurance
  
• General article
• What Happened When the Dentist Dropped His Drill: John F. Wasik ,  Bloomberg.com
• How much disability do you need? 
• Smart Money Calculator for Disability Needs
• Disability Calculator
  

• Help in choosing among senior discount drug programs
• HealthInsurance.com Shop for affordable health plans
• Health Insurance for Students
• Short Term Medical Insurance
• Another source for Short Term Medical Insurance
• NAHU - National Association of Health Underwriters  Consumer Information - Find an Agent
• Massachusetts Medical Society: Medigap Comparison chart  *client recommended
• Health Savings Accounts   Website designed to help individuals and employers have their questions about Health Savings Accounts answered.
• What is an Health Savings Account - HSA Bank
• Medicare Part B Premiums: New Rules For Beneficiaries With Higher Incomes 2006
• Medigap policies
• Medicare Advantage Insurance
• United American Health Insurance

	Taxes: General
	Payroll Tools
	Tax Preparation On-Line
	State Tax Rates
	Tax Planning Ideas

• IRS web site
• Taxes explained
• Alternative Income Tax Assistant from the IRS, "In order to determine whether you may be subject to the Alternative Minimum Tax (AMT)"
• TaxProf Blog Great links to a wide variety of tax sites
• 2009 Tax details summarized

• Comparison of various qualified retirement plans: 401k's, simple IRA, SEP IRA, profit share
  
• Pension Plan Limits For The Tax Years 2003 - 2009
• IRA Contribution Limits
• Roth IRA information
• Guide to Roth IRA, 401k and 403b Retirement Accounts
• Shifting taxed funds from an IRA to a Roth IRA 
• Q&A with Natalie Choate: The New Roth 401(k) Plans

• Social Security: 
  
• Social Security Online
• Social Security Retirement Planner
• Social Security: Benefits Calculator
  
• Choose a Benefit Calculator  Estimate your potential social security  benefit amounts using different retirement dates and levels of future earnings. The calculators will show retirement benefits as well as disability and survivor benefit amount.
• E$Planner - Individuals  This sofware tells you how retiring early, switching jobs, building retirement accounts, moving states, downsizing, refinancing, having kids, paying tuition, ... will affect your living standard
• Reapply for Social Security

• NASD - Investor Education - Retirement Calculator
• AARP | Retirement Calculator
• Retirement calculator: Bankrate.com
• Retirement Planner, CNNMoney.com 
• Bloomberg.com: Retirement Calculator
• MSN Money - Insight: Retirement & Wills
• Members' MarketPlace Financial Tools: Retirement Calculator
• Start Budgeting Today: Retirement Calculator
• Vanguard - Saving for Retirement
• Fidelity Investments: detailed calulator available to Fidelity clients
• T. Rowe Price  Basic calculator like those above. Also, you can register to receive access to advanced analytical tools.
• Otar retirement calculator  calculates retirement asset values based on market history since 1900. It does not require an assumed average portfolio growth rate, average inflation or any Monte Carlo simulation. It does not predict future outcomes but merely presents a range of outcomes based on historic market data applied to a specific case.

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• Compare and evaluate charitable giving options | Fidelity Charitable Services
• Planned Giving Tools (for financial professionals)
• Charitable Giving Annuity: Calculator 

• Charity Navigator - America's Largest Charity Evaluator*client recommended
• American Institute of Philanthropy - Charity Watchdog Helping Donors Make Informed Giving Decisions
• Give.org: BBB Wise Giving Alliance  The BBB Wise Giving Alliance offers guidance to donors on making informed giving decisions through our charity evaluations, various "tips" publications, and publishes the quarterly Better Business Bureau Wise Giving Guide .
• GuideStar  Verify a nonprofit's legitimacy, learn whether a contribution will be tax deductible, view a nonprofit's recent Forms 990, or find out more about its mission, programs, and finances.
• NCCS - National Center for Charitable Statistics  The national clearinghouse of data on the nonprofit sector in the United States. NCCS is a program of the Center on Nonprofits and Philanthropy (CNP) at the Urban Institute.

• National Center for Family Philanthropy (www.ncfp.org)
• Resource Generation  "a national organization that works with young people with financial wealth who are supporting and challenging each other to effect progressive social change through the creative, responsible and strategic use of financial and other resources"
• Women Donors Network  National organization of women committed to social change through progressive philanthropy
  
• Bolder Giving in Extraordinary Times whose mission is to inspire and support people to give at their full potential
• Giving Circle Knowledge Center  learn how groups of people get together and give together in giving circles

• Catalogue For Philanthropy: Massachusetts
• The Funding Exchange and its network of alternative foundations, including The Haymarket People's Fund
• Women's Funding Network
• Peace Development Fund
• Community Works  A cooperative fundraising effort among community service organizations based in the Boston area.
• National MS Society
• Life in a Jar: the Irena Sandler Project
• Grassroots.org: Links to a multitude of non-profit organizations
• Women for Women International: Help Women Survive War, Overcome Systematic Rape and Torture 

• Combined Jewish Philanthropies Donor Advised Fund
• Fidelity Charitable Gift Fund
• Vanguard Charitable Endowment Program
• Boston Foundation
• Calvert Giving Fund
• Environmental Defense Fund Advising Clients About Philanthropy - Our Donor Advised Fund
  

• Free Complete Toolkit for Boards
• The Center for Nonprofit Excellence
• Endowment Stewardship, blog

• FINCA International
• microfinance at MicroPlace
• Kiva - Loans that change lives
• OptINnow - End Global Poverty
• Microfinance Fever - Forbes.com
  
  

• Got Books? Donate Used Books
• Earth911.com - Find Recycling Centers and Learn How To Recycle
• Valuation Guide, from the Salavation Army
• Excel spreadsheet based on above guide, put together by Janis Augustin, CPA

• Share the Technology computer
  
• World Computer Exchange computer
  
• TechSoup - Resources - Donate Hardware
• Where to donate computers & everything else, from ClutterClarity.com
• What to do with your old used electronics: resuse or recylce 
  

• Roots & Shoots : Engaging and empowering youth with service learning projects

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• Estate Tax Rates
• ABA legal will and estate planning. information for inheritance tax & living wills
• Wills and Estate Planning - Nolo
  
• Nolo: Law Books, Legal Forms and Legal Software
• Estate Planning Information Center
• National Association of Financial and Estate Planning
• Estate Planning Links.com - Helpful, Extensive and Organized Estate Planning, Elder Law & Tax Links
• mtpalermo.com Estate planning attorney's Web site provides a detailed article, written in layman's terms, on what you need to know about estate planning.
• Leave a Legacy®  a public awareness campaign designed to inspire people to make a charitable bequest

• Mass.Law Help a service of the Massachusetts Bar Association that can provide resource and legal information
• Massachusetts Guide to Estate Taxes
• Summary of State Wrongful Death & Intestacy Statutes in Massachusetts ... What happens if you die without a will in Massachusetts

• What You Need To Know About Trust Funds
• Benefits of Living Trusts at LawFacts
• The Revocable Living Trust - The Living Trust Network
• Trusts as Beneficiaries of Retirement Plans
• Special Needs Trusts: Reuters Advicepoint News

• Massachusetts General Law - Uniform Transfer to Minor Act
  
• Self-Canceling Installment Notes - SCIN

• Massachusetts Health Care Proxy
• MASSMED | Health Care Proxy Information and Forms
• More information on Massachusetts Health Care Proxy
• Five Wishes: "The Five Wishes document helps you express how you want to be treated if you are seriously ill and unable to speak for yourself."

• Ethical Will Information
• The Wealth of Your Life: A Step-by-Step Guide for Creating Your Ethical Will: Books: Susan B. Turnbull
• Personal Legacy Advisors - Your Ethical Will
• Randy Pausch's Home Page  A Beloved Professor Delivers The Lecture of a Lifetime
  

• Sample Forms:
  
• toledobar.org/files/public/HIPAA_form.pdf
• hipaa/ohic-oucom/pages/documents/Authorization_Form_Sample.doc
• Sohnen-Moe Associates :: Forms

• Providing for Your Pet's Future Without You
  
• Legacy for your pet:   All My Children Wear Fur Coats: Estate Planning for Animals, book by Peggy Hoyt  Also, download power point presentation on topic
  

• DocuBank.com  The Docubank Emergency Card provides immediate access to your healthcare directives and other legal documents, any time, anywhere they are needed.  Available at a reduced rate if working with an advisor.  To find an advisor, go to napfa.org or check with me.

• Caregiving and Long-Term Care Studies: MetLife Mature Market Institute's studies and polls analyzing trends and patterns related to the aging of America
• Eldercare Web  online eldercare directory
• Elder Care Web Sites  sponsored by the MIT Center for Work, Family and Personal Life
• Georgia ElderCare Radio webcasts

• Massachusetts Department of Elder Affairs
• Elder Law resources - Calculators, Books, Checklists and Services
• Massachusetts Commission on End of Life Care

• Long Term Care Costs: What is the Cost of Long Term Health Care? Cost of care by state
• Excellent Guide to Buying Long Term Care Insurance (State of Massachusetts)
• NAIC Shopper's Guided To Long Term Care Insurance
• 2008 Genworth Cost of Care Survey
• 2008 LTCI Premium Deductibility Quick Reference
• Carrier Financial Strength Statements
• Long term care insurance information center

• American Association of Daily Money Managers  a membership organization of individuals who provide daily money management services directly to clients

• Elder Law Centers,  elder law referral network
• SeniorLaw

• MassMedLine™.com - Toll-Free:1(866)633-1617,  Mass residents can speak  to specialists that can answer questions about the medications they take and address growing concerns about covering costs for the prescriptions.

• Hospice Federation of Massachusetts
• On Our Own Terms: Moyers on Dying

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• Dollars and Sense for Kids overview of issues to think about with your children and links to other resources
•  Institute of Consumer Financial Education -The ICFE/Kids sections offers money tips for young Americans, financial information and education resources, a credit education course for high school seniors and college students, education and information on the dangers of debt accumulation while young, savings and investment information, first-time credit information and financial planning education.
• Jump$tart Coalition  Their mission is. to improve the personal financial literacy of young adults; to evaluate the financial literacy of young adults; develop, disseminate, and encourage the use of standards for grades K-12; and promote the teaching of personal finance.  The Jump$tart Coalition believes that all young adults need to have the financial literacy necessary to make informed financial decisions.
• Resources for teaching children about money - Merrill Lynch
• Free comic books from the Federal Reserve Bank:   Publications Catalog - Federal Reserve System, e.g., The Story of Money, Once Upon a Dime, A Penny Saved\
• Don't Buy It | PBS KIDS GO!
• Share, Save, Spend   Mission: To help youth and adults achieve financial sanity by developing and maintaining healthy financial habits. Goal: To provide concrete, actionable tools that help people shift effectively from a spend-centric mode to one that balances spending with saving and sharing.
• TeenVestor  Website goals: Teach young people how to become life-long investors; Expose teens to entrepreneurship; Help parents encourage their children to become investors and entrepreneurs; Help teachers expose their students to basic economic and business concepts.
• Financial Advice for Kids & Parents -Money Smart Kids - Kiplinger.com

• Start Money Smart: Boston area programs for teenagers to learn money-sense 

• BabyCenter's Cost of Raising a Child Calculator
• Parenting without Guilt; article by Sharon for On Wall Street
• Money and Marriage: The Cost Of Having Children: If Children Are Part Of Your Plans

• ItAllAddsUp - Personal Finance for Teens who want to get a head start on their financial future. Play online games
• Moneyopolis®  an educational website for children in grades six through eight, to help give American school children the opportunity to learn basic financial planning concepts
• Young investor Stock market simulation game, other money-related games and more
• Top Picks - Top Math Games - Money  Kids can learn money recognition, adding and making change.
  
• Welcome to Money Central Station Interactive games, money counting exercises, and trivia questions about money.
• H.I.P. Pocket Change™ Web Site The history of coins and how the mint makes money. Interactive clubhouse for kids and teachers includes cartoons, history, and news
• Mr. Bigshot  the Bodacious Stock Market Game
  
• Cashflow for Kids  (expensive)
  
• Stock Rush Game  game that includes all the basic principles of trading used in the real world. A significant portion of Stock Rush! is dedicated to the California Gold Rush. The object of the game is to become the wealthiest player through trading (buying and selling) Stocks, Commodities, and Franchises ages 8 yrs. and up
• Gavitt's Stock Exchange Game  First printed in 1903, Gavitt's Stock Exchange is one of the most exciting and popular games ever invented. Be the first to get all the cards of one railway line, call out "Topeka" and win the hand  7 years and up
• The Motley Fool's Buy Low Sell High  players try to outtrade, outmanuever, and outplay their fellow investors on their way to riches and fame in the stock market.12 years and up
• Stock Market Tycoon  Become the first investor to earn over $1 million, and attempt to close the market. 8 - 99 years
• Educational Money Games  Learn about money recognition, making correct change, and more
• The Allowance Game, www.educationallearninggames.com
• Schwab MoneyWise : Activities & Tools : Games : It's Your Life Game. see how your financial decisions, big and small, can affect your future, for adults & children
• Welcome to Planet Orange — Where Kids Learn About Earning, Spending, Saving & Investing

• The Berenstain Bears Get the Gimmies (First Time Books(R)): Books: Stan Berenstain,Jan Berenstain
• The Berenstain Bears' Trouble with Money (First Time Books(R)): Books: Stan Berenstain,Jan Berenstain
• Quest for the Pillars of Wealth (A Children's Guide to Growing Rich): Books: J. J. Pritchard
• Bunny Money (Picture Puffins): Books: Rosemary Wells

• Change for Change aims to create a charitably-minded generation of young adults engaged in philanthropy, always reminding young people that even small change can lead to big changes.
• Resource Generation  "a national organization that works with young people with financial wealth who are supporting and challenging each other to effect progressive social change through the creative, responsible and strategic use of financial and other resources"

• Kids' Allowance Articles --  http://www.kidsmoney.org/allart.htm  variety of links about children and allowance
• Allowance Calculator - How much should your child get?
• Click here: KidsContracts - Allowance Contract  Fee for contract but sample is free to look at
• Allowance Magic: Turn Your Kids Into Money Wizards: Books: David McCurrach,
• Allowancemagic.com

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• 26 Reasons What You Think is Right is Wrong  the most widely accepted cognitive biases & more from wikipedia: List of cognitive biases
• Institute of Behavioral Finance - Research
• Money Habitudes- Money Habitudes cards are a novel, non-threatening, hands-on activity that get people talking about money…and more important, to understand the habits and attitudes that affect decisions and actions related to money.
• Goal setting
• Goal Posts - Practice Strategies - Wealth Manager Magazine, June 2006

• The Seven Stages of Money Maturity  financial advisor and Buddhist teacher George Kinder
• Your Money, or Your Life?  Harvard Magazine,  (July-August 2008)  article about George Kinder
• How Emotions Influence Investment Decisions, article by Dr. Richard Geist.   Also, check out his book Investor Therapy: A Psychologist and Investing Guru Tells You How to Out-Psych Wall StreetWhat To Do When You Make Mistakes at Personal Development with Ririan Project
• The Soul of Money: Reclaiming the Wealth of Our Inner Resources: Books: Lynne Twist,Teresa Barker  and The Soul of Money Institute: Transforming Your Relationship With Money 
  
• Understanding Your Money Personality - An Article By Dr. Kathleen Gurney
• What Happy People Know : How the New Science of Happiness Can Change Your Life for the Better
  
• Your Money or Your Life: Transforming Your Relationship With Money and Achieving Financial Independence 
• Also see On-Line Study Groups - The Simple Living Network 
• Extraordinary Popular Delusions And The Madness Of Crowds (online for free)
  
• Why do otherwise intelligent individuals form seething masses of idiocy when they engage in collective action? Why do financially sensible people jump lemming-like into hare-brained speculative frenzies--only to jump broker-like out of windows when their fantasies dissolve? ....In fact, cases such as Tulipomania in 1624--when Tulip bulbs traded at a higher price than gold--suggest the existence of what I would dub "Mackay's Law of Mass Action:" when it comes to the effect of social behavior on the intelligence of individuals, 1+1 is often less than 2, and sometimes considerably less than 0. (Amazon.com)

• Thayer Willis, author of Navigating the Dark Side of Wealth, a Life Guide for Inheritors
• The Challenges of Wealth: Mastering Personal and Financial Conflicts, Domini, Amy, Dennis Pearne, and Sharon Rich, Dow Jones/Irwin, 1988. You can also order the book directly from the author at dpearne@aol.com
• The Inheritance Project - Home
• Sudden Money Institute: Financial education, training, research
• The Wealth Conservancy, Inc.

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• Online Storage Feature-by-Feature Comparison Chart
• Acronis True Image: Complete hard disk drive copy, cloning and image backup software
• SmartSync Pro - Backup Software, File Synchronization Software  Automatic backup your harddrive every day
• Mozy Online Backup:  2 gb. Free  Automatic. Secure.  Encrypts data on your computer before sending it to servers.
• Carbonite Unlimited Online Backup  Only $49.95/year, encrypted for privacy
• Box.net - 1 gb. Free Online File Storage, Internet File Sharing, RSS Sharing, Access Documents & Files Anywhere, Backup
• SyncWeb Data Backup Service - A secure remote backup, internet backup and online backup service.
• Mountain - Digital Solutions   data backup/recovery and archiving software
• Data Deposit Box Online Data Backup Service
• SystemRecovery Backup Online Service, Internet Storage, Data Backup, Online Backup Software

• Adware & Spyware Removal - Reviews and free downloads at Download.com
• Trend Micro Anti-Spyware 3.0
• Ad-Aware SE Personal - Software - Lavasoft    Free
• Spybot-S&D   Free
• Windows AntiSpyware (Beta)    Free

• Antivirus - Reviews and free downloads at Download.com
• TrustEZ Antivirus ^®

• Bluehost.com
  
• Wonk.com
• GoDaddy.com
• WordPress › Blog Tool and Publishing Platform

• VentaFax: Fax Software and Answering Machine Software  Receive faxes on your computer, helps avoid junk faxes
• Where to donate your old computer
  
• Password Management Software Review 2008
• Wild Apricot - Member Management Software for Clubs, Associations and Communities

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• ConsumerReports.org - Buying a new car: 5 steps to getting the best price 2/07
• Car Reviews, Car Comparisons, Car Buying Guide - Cars - Kiplinger.com
• ConsumerReports.org - Auto lease or buy?
• Vehicle Leasing: Quick Consumer Guide
• Kelly Blue Book,  Edmunds.com,  NADAguides.com Determine the value your car & price new cars: 
• Carfax.com: checks car history
• Autotrader.com, Cars.com, CarsDirect.com  Buying used car
• Fuel Economy  Compare fuel economy of cars, run by US Dept of Energy
• GSA Fleet Vehicle Sales  - auction of government vehicle

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• Dealing with Identity Theft   Excellent site from the Federal Trade Commission
• What to do if your identity (including your wallet) is stolen
• LifeLock - Identity Theft Prevention
• IdentityTheft.org - Identity Theft Prevention and Survival
• Use Virtual Credit Cards  Article from Seeking Alpha
• Safeguard your personal information: information from the US post office
  
• Online Brokerage Accounts: What You Can Do to Safeguard Your Money and Your Personal Information

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• 360financialliteracy.org  general information for managing personal finances
• Choose to Save®  includes free savings tools such as the Ballpark E$timate® retirement planning worksheet, over 100 online calculators, brochures, savings tips, links to related resources, and other tools to help individuals and their family manage their finances
• Project for Financial Independence  personal financial guidance to members of the public who cannot afford a financial advisor, or who are facing an immediate or unusual financial need.
• Mymoney.gov     MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education.
• What financial records to keep and how long to keep them
• MissingMoney.com: database of state unclaimed property records
• Bureau of Engraving and Printing Store the largest producer of security documents - US dollars, etc.  good source of gifts!
• Pet Insurance Review assisting pet owners who are shopping for pet insurance by providing information on benefits, pricing and customer reviews
• Measuringworth.com: Lets you explore different measures of the economy, including inflation, purchasing power, stock growth, and more, using the most reliable historical data available

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• DavidsDiamonds Info Page & DavidsDiamonds Archives
• Quickfinder Handbooks
• Forefield KnowledgeTrust
• Executive Leadership Center: Future of Life-Cycle Saving and Investing
• Project for Financial Independence - For Financial Advisors  information on how to work with needy consumers who are facing many types of financial challenges
• Advisor Resources Annuities with no Surrender Schedule; M&E expense for the base contract is 0.55%. Available only through advisors.
• Morningstar Advisor
• Social Security Online - Info for Financial Planners
• Protecting Your Practice (Bloomberg Professional Library)
• iShares ETFs for US investors - Exchange Traded Funds
• SPDR University - to learn about ETFs 
• Ameritas Advisors - The No-Load Insurance Pioneer
• Inside Information, bobveres.com
• Bill Bengen - Layer Cake software toolkit

• Advisors in Philanthropy
• T. Rowe Price Program for Charitable Giving
• Planned Giving Tools (from the Boston Foundation)
  
• Planned Giving Design Center (PGDC) one-stop shop for planned giving,daily email alerts and an extensive library of resources.
• PG Calc is a web-based calculator that provides charitable deduction calculations for a wide array of planned gifts.
• The Philanthropic Advisor Newsletter includes articles that explore issues related to estate and charitable planning.

• Wealth Manager
• Investment Advisor - News, Advice, Events & Analysis for Independent Advisors & RIAs
• Financial Planning   An Investcorp and SourceMedia Publication
• FA: Financial Advisor Magazine
• Morningstar Advisor
• Journal of Financial Planning
• OnWallStreet

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• Marketplace Money from American Public Media

• www.Mint.com  allows bloggers to share stories about their personal finances
• Geezeo: Educated Financial Decisions  free web-based personal finance application that makes it easy to track all your finances, see where the all your money is going, set financial goals and learn from others
• Wesabe: Get to Know Your Money  easy-to-use, Web-based tool gives members a better understanding of how they spend money, and the Wesabe community shares tips and advice to help each other make better financial decisions
• Covestor.com tracks members' investment records, allowing people to judge their portfolio's performance against the crowd
• Zecco.com is a Web brokerage with blog and social-sharing features that allow people to share tips and trades
• Wikinvest.com a Wikipedia for investments, constantly updated resource that reflects more than just a single expert's opinion of a certain company

• Consumerism Commentary - A Blog About Personal Finance
• Queercents
• Morningstar Vanguard Diehards discussion board
• TaxProf Blog
• NetworthIQ Blog  allows you to post your financial information -- including cash, investments, debt, etc. -- for all to see and comment upon
• Start Money Smart

• How to Achieve Absolute Financial Freedom
• Your Money or Your Life: Transforming Your Relationship with Money and Achieving Financial Independence 
• Your Financial Edge: How to Take the Curves in Shifting Financial Markets and Keep Your Portfolio on Track
• Against the Gods: The Remarkable Story of Risk: Books: Peter L. Bernstein
• A Random Walk Down Wall Street: Completely Revised and Updated Edition: Books: Burton G. Malkiel
• Just One Thing: Twelve of the World's Best Investors Reveal the One Strategy You Can't Overlook
• Unconventional Success: A Fundamental Approach to Personal Investment: Books: David F. Swensen   *client recommended
• Also see the money psychology section

• Avoiding future debt from holiday present, "  by Linda Tucci. Sharon Rich helps a young woman avoid accumulating mroe debt around holiday time  in a Boston Globe Money Makeover, Dec. 12, 2004
• "Dreaming of a home -- with hard work ahead,"by Linda Tucci. Sharon Rich helps a young disabled mother think about buying a home in a Boston Globe Money Makeover, Nov. 27, 2005
• "A principled portfolio,"  by Linda Tucci. Sharon Rich helps a young woman invest in Socially Responsible Funds in a Boston Globe Money Makeover, Dec. 17, 2006
  

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• TopTenREVIEWS Expert Reviews
• Consumers CHECKBOOK  independent, nonprofit, no-advertising ratingsof local auto repair shops, plumbers, veterinarians, banks, doctors, dentists, carpet cleaners ... and much more ... Boston · Chicago · Delaware Valley · Puget Sound · San Francisco Bay · Twin Cities · Washington DC 
• Avoiding telemarketers
• GetHuman 500 database   Tells you how to avoid machines & find a human at the end of your phone conversation with companies
• ClutterCulture  Great ideas for how to declutter your life
• Jean Sifleet's E-news Archives - Legal Advice for Small Business Owners
• On-line Form for US Consumer Product Saftery Commission Subscription Lists  be alerted to product recalls
• Catalogchoice.org: free service that tries to help you reduce the number of repeat and unwanted catalogs you get through the mail
• When is Good  An easy way to find out when everyone is free for your next meeting or event. No sign-up form. No password to choose. No fuss at all.
• Paperbackswap.com: Swap books with other book-lovers - Paperbacks, hardbacks, audio Books, textbooks, and more
• Craigslist.org: Read (and post your own) listings in a huge array of categories, including discussions, services, jobs, housing, childcare, and more
• Freecycle.org: The Freecycle Network - A grassroots and entirely nonprofit movement of people who are giving away (and getting) stuff for free in their own town
• Yelp.com: Real reviews on what's great (and not so great) in your area, including restaurants, stores, services, and more
• Ask a librarian a question and get an answer
• How to reach a customer service person

• Net30Solutions Electronic Solutions for Business
• First ACH® Online Business Payments Processing and Merchant Services
• Simpepay.com ACH Merchant Accounts, eCheck Processing, Online Payment Processing
• EFT Corporation - Your secure transaction processing solutions
• PayPal Start Accepting Credit Cards Today With PayPal
  

• Skype - internet calls   
• Talkplus
• FreeConferenceCall.com.Free Conference Call, Phone Conferencing, Teleconferences
  

• Checks Unlimited - Personal Checks and Business Checks
• Artistic Checks - Personal Checks
• Designer Checks - Personal checks

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