This publication was created for middle-income parents of children under the age of 18 who have disabilities. It is a simple, straightforward resource to help them manage their money, and plan for them and their children's financial future and overall well-being. The financial management techniques presented here can help parents, not just in…

Information about tax-sheltered annuity plans and a questionnaire to assist in the evaluation of companies that provide a fixed annuity. (Author/MLF)

This publication describes innovative and powerful mechanisms for financing sustainability projects on campus including energy efficiency upgrades and renewable energy installations. The guide provides step-by-step guidance for establishing revolving loan funds for campus sustainability, based on the experiences of the authors in setting up such a…

This book offers investment strategies for participants in the primary retirement organization for universities and nonprofit organizations, the Teachers Insurance and Annuity-College Retirement Equities Fund (TIAA-CREF). The investment principles outlined also apply to retirement funds offered by other investment companies. The book's scope…

A well-designed investment program can help administrators get the most out of public dollars and other available resources. (Author)

Outlines the cash management program developed by the Orangeburg School District (SC) for the district's funds. They take bids from banks before deciding which bank to use for all their services, including an investment program. This new system has saved $30,000 in the first year. Sidebars tell how to shop for bank services and list technical…

Many people are investing these days, but many librarians, especially non-business librarians, are uncomfortable helping patrons with questions on the subject. This reference guide gives librarians the knowledge and confidence to assist patrons in identifying the correct information in a critical but little understood investment area--the bond…

The Community Reinvestment Act (CRA) is designed to encourage banks and thrifts to meet the financial credit and service needs of low- and moderate-income neighborhoods, requiring that lenders use their private-sector resources to meet the financing needs of all communities in which lenders conduct business. This brief outlines several types of…

Explains what an external audit is, what an external auditor can do, and how to select one to perform an audit on your district. (IRT)

This short course on insurance for camps discusses coverage, including the various types of liability, property, and other types of coverage; the difference between direct writers, brokers, agents, and captive agents; choosing an insurance company; and checking on the financial stability of recommended carriers. Three Web sites are given for…

Federal Student Aid's core mission is to ensure that all eligible Americans benefit from federal financial assistance--grants, loans and work-study programs--for education beyond high school. The programs administered comprise the nation's largest source of student aid: during the 2007-08 school year alone, approximately $83 billion in new aid was…

This guide to community services is designed to assist financial counseling agencies in the development of community service handbooks with comprehensive listings of community resources and referral centers. The handbook is organized into sections according to problem areas and includes the following: (1) alcohol and drug treatment; (2) child…

School districts can effect considerable savings by obtaining maximum banking services. A procedure is offered for choosing a bank depository based on services to be rendered. (Author/MLF)

This guide is designed to increase the financial counselors' awareness of the counseling field and to provide material which may be used by them in forming a personal counseling approach. Several approaches and techniques of counseling are presented as well as their potential application to financial counseling including the rationale approach,…

Basic components of a New Jersey district's profitable cash management program include consolidating funds using a negotiated bank agreement, a short term investment policy, accurate flowcharts for precise planning, and revenue and expenditure analysis. Data collection and analysis and the alternative of using a bank service agreement are…