Personal Finance Center

Located in the Business/Science Department of the Central Library, the Personal Finance Center is funded through a bequest from Dan W. Davis.

Dan W. Davis, a frugal Memphis businessman, frequented the Memphis Public Library for many years, visiting the Cossitt Branch, the old Main Library on Peabody and then the new Benjamin L. Hooks Central Library. Using library resources, he researched companies and followed their financial progress, then made financial decisions which resulted in significant returns on his investments.

Davis was very unassuming and lived modestly-despite the fact that he amassed significant financial holdings. Given Dan Davis' love of the financial resources in the library, the Foundation for the Library chose to use his gift to underwrite a Personal Finance Center for all those who want to better their financial outlook. Now, library customers will be able to use the Center to better manage their money and perhaps, like Davis, build their net worth.

If you are wondering what Personal Finance is all about, try starting with the links on Personal Finance 101 for some general and basic information to get you started. For more detailed information, choose a specific topic from the list in the left hand column.

Don't forget that the library subscribes to many databases which contain information on Personal Finance! Visit the Library Databases page to access the following Library and Tennessee Electronic Library (TEL) databases:

Or, visit us at the Central Library to use our subscription database:

 

Banking

Banking Basics
This publication, although designed for class leaders, is a thorough guide to banking, banking services and consumer accounts. Written in a simple question-and-answer format, it also includes a glossary.
 
BankRate Monitor
Provides timely local rates for mortgages, home equity loans, savings, credit cards, and checking accounts and tracks ATM fees and online banking fees. The database is updated daily and includes over 4,000 institutions.

Comptroller of the Currency
The Office of the Comptroller of the Currency is responsible for handling complaints about national banks as well as fielding questions about financial institutions.

InvestorGuide.com - Introduction to Banking
An overview of banking services and terminology. This site provides an introduction to banking, types of accounts, choosing a bank and online banking.

Writing a Check - Understanding Your Rights
From the Federal Administrator of National Banks, this site provides a clear description of how checks are handled and processed. Instructions for resolving various problems or complaints are also provided, along with links to federal and state regulatory agencies.

 

Bankruptcy

American Bankruptcy Institute
From the American Bankruptcy Institute, this website offers answers to frequently asked questions about bankruptcy. It “is designed to help consumers survive money problems, rebuild their credit and recover before or after bankruptcy.”

American Bar Association
The American Bar Association offers practical bankruptcy information at this website. Information includes the pros and cons of filing bankruptcy, the differences between Chapter 7 and Chapter 13 filing and the ABA Guide to Credit and Bankruptcy.
Bankruptcy at Lawyers.com
This site provides an array of resources for those in in search of legal information including free peer-reviewed legal articles focusing on bankruptcy law and a FAQ answered by leading lawyers.

FindLaw – Bankruptcy and Debt
FindLaw is an extensive website that provides links to resources in over 30 areas of law. This web page connects directly to the area on bankruptcy and debt.

Free Advice
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of bankruptcy is covered here.

Money Management International
Money Management International, a nonprofit community service organization located in Houston, Texas, provides “professional financial guidance, counseling, community-wide educational programs, and debt management assistance.”

MoneyWise – Bankruptcy: Your Right to a Financial Fresh Start
MoneyWise, “a national financial literacy partnership of Consumer Action and Capital One,” provides information on bankruptcy in this publication.

Nolo Legal Encyclopedia – Property and Money - Bankruptcy
Maintained by the legal publisher Nolo, this web page offers information on bankruptcy in lay person language. 

United States Bankruptcy Court – Western Division of Tennessee
Bankruptcy information, forms, fees and resources can be found at this website maintained by the United States Bankruptcy Court system. This page is specific to the Western Division of Tennessee which includes Memphis and Shelby County and the surrounding areas of Tipton, Fayette, Dyer and Lauderdale counties.

 

Budgeting

Arkansas Legal Services Partnership - Legal Library - Consumer
This website, maintained by the Arkansas Legal Services Partnership, offers a budget planning worksheet.

The Beehive - Budget Basics
The Beehive, the online home of the nonprofit One Economy Organization, offers this introduction to budgets and presents an online tool for creating your own budget.

Checkbook Balancing Lessons
MoneyInstructor.com offers a tutorial to teach consumers how to balance their checkbooks. The site also provides a bank reconciliation form and instructions on how to use it.

Dollar Stretcher
A guide for stretching each dollar to its greatest potential. This offers tips on how to save money on all types of things—food, home decorating, wedding planning, etc. Scroll down to the Dollar Stretcher Library for a complete index.

Money 101 - Making a Budget
Money 101, presented by CNN, offers easy-to-read lessons on various financial topics. This guide introduces the user to the basics of budgeting and offers tools for creating a budget.

 

Calculators and Financial Tools

 

BigCharts
BigCharts is the world's most comprehensive and easy-to-use investment research Web site, providing access to professional-level research tools such as interactive charts, stock and fund quotes, industry analysis and intraday stock screeners, as well as market news and commentary. Great source for historical stock quotes.
Calculators and Worksheets                                                                                Calculators and worksheets on Investor.gov can help evaluate your finances.        Available is an IRA RMD calculator, one for compound interest, and one for            estimating social security retirement.  There are also worksheets to help              determine your assets and liabilities, and to help track and calculate your              monthly expenditures. 
Choose to Save® Program
The Choose to Save® Program is a national program, developed by the Employee Benefit Research Institute, which seeks to raise "awareness about the need to plan and save for long-term personal financial security."

MortgageLoan Calculators
MortgageLoan offers over 100 calculators that assist customers in a variety of areas: mortgages, home equity loans, auto loans, CDs and investments, debt and credit, tax, retirement, and more.

University of Michigan Documents Center: Statistical Resources on the Web
This website, maintained by the University of Michigan, offers information on cost of living price indexes, comparative costs, housing characteristics and more.

Your Path to Homeownership
This government site covers all aspects of the home buying process. Especially helpful are the calculators for buying vs. renting, for estimating affordability, and for selecting the best loan option.

 

 

Credit: Cards, Reports and Repair

Types of Credit - Credit Cards

CardRatings.com
This site, created by the U.S. Citizens for Fair Credit Card Terms, offers over 1,000 credit card descriptions with ratings. Consumers can use this site to evaluate credit card offers from particular vendors or to compare similar offers (Low Introductory Rate, No Credit, etc.)

CardWeb.com
CardWeb keeps track of a variety of cards - credit, prepaid phone, ATM - and also offers recent news and useful tools and calculators.

Federal Reserve Board Shop: Choosing a Credit Card
This site from the Federal Reserve Board clearly explains various features of credit cards including annual percentage rates and finance charge calculation. Additionally, there is a worksheet provided to help in the comparison of credit card offers.

Federal Trade Commission - Choosing and Using Credit Cards
The Federal Trade Commission offers information on a variety of consumer credit issues. This web page offers information specific to choosing and using credit cards.

The Motley Fool: Interest Rates 101
The Motley Fool, a multimedia financial education company, offers a consumer-oriented page which explains the different kinds of interest rates available from credit card companies. It also outlines events that can trigger a raise in interest rates by the company.

Credit Reports

AnnualCreditReport.com
AnnualCreditReport.com was created by the three nationwide consumer credit reporting companies, Equifax, Experian, and TransUnion. This site provides a centralized service where consumers are able to request a free credit report from each of the three reporting companies once per year.

Take Charge: Fighting Back Against Identity Theft
This Federal Trade Commission site gives complete information on all aspects of identity theft including immediate steps for victims, methods of resolving specific problems, and ways in which to minimize recurrences. Two helpful items included on this site are The ID Theft Affidavit and The Annual Credit Report Request Form.

Credit Repair

Earn Benefits® Online (Memphis & Shelby County)
"Seedco is a national community development intermediary organization. Seedco created the EarnBenefits website to help working families learn about important benefits that can supplement their income." Find information on "Repairing Your Credit" on this web page.

Federal Trade Commission
The Federal Trade Commission offers information on a variety of consumer credit issues.

National Consumer League's Internet Fraud Watch - Tips for Avoiding Credit Repair Scams
American's oldest nonprofit consumer organization, the National Consumer League, gives "consumers the information they need to avoid becoming victims of telemarketing and Internet fraud and to help them get their complaints to law enforcement agencies quickly and easily." This website provides tips on avoiding credit repair scams.

Yahoo Finance: Credit Center
Yahoo Finance offers basic and frequently asked information on a variety of personal finance and investing topics at this website.

 

Estate Planning

American Bar Association
The American Bar Association offers practical legal information on wills, estates, and estate planning at these websites:
FindLaw – Estate Planning
FindLaw is an extensive website that provides links to resources in over 30 areas of law. This web page connects directly to the area on estate planning.

Free Advice – Legal Advice Site for Consumers
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of estate planning is covered here.

Nolo – Wills and Estate Planning
Maintained by the legal publisher Nolo, this web page offers information on wills and estate planning in lay person language.

 

Financial Education

For Kids:

Don't Buy It
PBS Kids created this site to teach kids about spending wisely and avoiding advertising tricks. It is filled with fun games and quizzes that can help kids learn about everything from cereal box prizes to magazine cover tricks.

For Students:

Dow Jones Interactive Learning Center
Loaded with history and trivia, this site allows students to learn about the Dow Jones Industrial Average and the original companies of the Dow.

MoneyInstructor.com
Designed for students, teachers and parents, this website provides lesson plans and interactive activities for topics such as making change, check writing, creating a budget, and investing.

It All Adds Up
Uses interactive games and modules to teach students about credit management, buying a car, paying for college, budgeting, and saving and investing.

Young Money
Early adulthood can be a particularly trying time for maintaining financial stability. This companion site to Young Money magazine is full of news, advice, tools and resources to help students and recent graduates keep everything balanced.

For Adults:

Free Advice - Legal Advice Site for Consumers
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of financial law, which covers savings, investments and more, is covered here.

MoneyWise Publications
Provides detailed publications on a number of topics in several languages. Examples include: Saving to Build Wealth, Building and Keeping Good Credit, and You Can Bank On It: Banking Basics.

SmartAboutMoney
This site, from the National Endowment for Financial Education, includes a resource library with information on financial planning, credit & debt, saving, investing and retirement. They also offer a list of 10 steps consumers can take to start getting smarter about money.

For Seniors:

MoneyWise Publications
Provides detailed publications on a number of topics in several languages. A few publications deal specifically with financial concerns of Older Americans. See: Just Say NO! To Senior Scams and Recognizing Con Games That Target Seniors.

 

Identity Theft

Fight Identity Theft
Fight Identity Theft is a commercial website by Dave Nielsen, a specialist in credit and the internet. It provides clear, simple information on what to do if you are a victim of identity theft and also includes news on the latest scams. In addition, the site gives directions on how to remove your name from mailing lists for pre-approved credit offers.

FindLaw - Consumer Rights 
FindLaw is an extensive website that provides links to resources in over 30 areas of law. This web page connects directly to the area on consumer issues which includes the topic of identity theft.

How Stuff Works 
How Stuff Works, publisher of the online Mobile Travel Guide and Consumer Guide, provides an overview of identity theft. This site clearly explains types of identity theft, methods used to steal identity, ways to protect yourself, and steps to take if your identity has been stolen.

Identity Theft and Your Social Security Number
The Social Security Administration has created this site to help with problems resulting from the theft of your Social Security number. Subjects covered include how to report use by another person, how to repair financial damage, and how to decide whether or not you need to apply for a new Social Security number.

Identity Theft Resource Center
The Identity Theft Resource Center provides guidance for victims of ID theft as well as those who are interested in protecting themselves, members of law enforcement and business owners. There is also a link to information about current scams and consumer alerts.

Police Notebook
The Police Notebook outlines common ways in which identity theft occurs, steps to take if you are a victim, and opt out information for pre-screened credit offers. Other helpful information includes a sample dispute letter for closing accounts, an ID fraud victim worksheet, and a lost or stolen wallet emergency checklist.

State of Tennessee's Department of Safety - Criminal Investigation Division - Identity Theft
This guide, maintained by the State of Tennessee's Department of Safety's Criminal Investigation Division, provides victims of identity theft with the major resources to contact.

 

Insurance

American Bar Association - Your Home - Liability Insurance
From the American Bar Association, information on liability insurance and other legal topics, as well as links to helpful legal resources, can be found at this website.

The Beehive
The Beehive was created by One Economy Corporation, a nonprofit organization based in Washington, D.C. Designed to be the place to go for information and resources, this website offers information on Money, Health & Fitness, School, Jobs & Careers, Starting & Owning a Business, Family and Insurance.

FindLaw - Accidents and Injuries 
FindLaw is an extensive website that provides links to resources in over 30 areas of law. This web page connects directly to the area on accidents and injuries and includes insurance.

Free Advice - Legal Advice Site for Consumers
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of insurance is covered here.

Insurance Information Institute
"The mission of the Insurance Information Institute (I.I.I.) is to improve public understanding of insurance—what it does and how it works." Use their site to find information on hot topics, data and statistics, industry financials, or in-depth information on a specific type of insurance.

Medicare - State Health Insurance Information Assistance Program ("SHIP")
This website provides local and toll-free contact information for every state. The contact numbers connect you with counselors in your area that provide free one-on-one help with your Medicare questions or programs.

NAIC - State Insurance Department Web Sites
This website, compiled by the National Association of Insurance Commissioners, provides state insurance department websites to help consumers access the best information on company and agent licensing requirements, available products and insurance industry issues.

Nolo - Wills and Estate Planning
Maintained by the legal publisher Nolo, this web page offers information on wills, estate planning and insurance topics, in lay person language.

Yahoo Finance: Learn About Insurance
Yahoo Finance offers basic and frequently asked information on the topic of insurance (health, life, home owner's, renter's and auto) at this website.

 

Investing

BigCharts
BigCharts is the world's most comprehensive and easy-to-use investment research Web site, providing access to professional-level research tools such as interactive charts, stock and fund quotes, industry analysis and intraday stock screeners, as well as market news and commentary. Great source for historical stock quotes.

DealBook
DealBook is a source for financial news and analysis from the New York Times. It covers mergers and acquisitions, investment banking, IPOs, private equity, hedge funds, venture capital and more.

Investing in Bonds
Created by the Bond Market Association, this site aims to educate investors, from beginners to experienced investors. This site is a good source for bond price information, as well as market data, news, commentary, and general information about bonds.

Investopedia
Investopedia is the online encyclopedia of investing. Resources are provided for four main types of users: beginners, experienced investors, active traders or retirement planners. The site offers tutorials, articles, research and advice on all facets of investing.

The Investor's Clearinghouse
The Investor's Clearinghouse, a project of the Alliance for Investor Education, provides resources and links to websites that educate the public about investing. Materials are presented for people of all ages and experience.

Kiplinger's Personal Finance
Kiplinger's, a comprehensive portal for financial information, offers free advice and information on investing, along with current quotes, news, charts, company financials, SEC filings and more. Premium services are available with a paid subscription.

Lipper Fund Screener
Although designed primarily for investment professionals, this site provides fund analysis that can be helpful for anyone.

Morningstar 
Morningstar is known for their coverage of mutual funds, but they now cover stocks as well. Free membership includes current quotes and reports for stocks and funds, investment education materials, current market advice, and investment tools. Premium services are available with a paid subscription.

Online Stock Trading Reviews
     Industry expert Ed Carlson and the Reviews.com research team put together a      list of 41 online brokers and then chose 11 of the best to review based on 98        online trading features.

Path to Investing
From the Foundation for Investor Education, this site offers resources on all types of investing including starting points, investing for specific goals, retirement planning and investor protection. Articles by experts cover topics ranging from diversification and risk & return to investing for college or IRAs. 

U.S. Securities and Exchange Commission - Online Publications
A great source of information on all aspects of investing, from how to work with a broker to how to read a mutual fund prospectus. Users can browse the alphabetical listing of titles or search for a specific topic.

 

Loans

Loans  -  Predatory Lending

Loans

Consumer Action Website: Federal Citizen Information Center - Credit - Loans
The Federal Citizen Information Center is provided by the U.S. General Services Administration and provides information about consumer problems and government services. This web page deals specifically with loans.

FDIC: Looking for the Best Mortgage
This site from the Federal Deposit Insurance Corporation offers a clear explanation of how to shop for the best mortgage option. The information is also available in Spanish.

Money Management International
Money Management International, a nonprofit community service organization located in Houston, Texas, provides "professional financial guidance, counseling, community-wide educational programs, and debt management assistance."

The Motley Fool: Home Center
The Motley Fool, a multimedia financial education company, offers a comprehensive overview of the home buying process including reviewing current interest rates, finding the right home, choosing a mortgage, and closing the deal. Particularly helpful is the full range of calculators and the clear explanation of mortgages.

U. S. Department of Housing and Urban Development (HUD) - Shopping for a Loan
The U. S. Department of Housing and Urban Development explains the different types of lenders and different types of loans available for obtaining financing to purchase a home.

Yahoo Finance: Learn the Basics about Loans
Yahoo Finance offers basic and frequently asked information on the topic of loans, credit basics, auto loans and mortgages at this website.

Your Path to Homeownership
This government site covers all aspects of the home buying process. Especially helpful are the calculators for buying vs. renting, for estimating affordability, and for selecting the best loan option.

Predatory Lending

AARP
This article from the AARP provides advice to seniors on how to avoid unfair lending practices.

Avoiding Predatory Lending Scams 
This site from the American Bankers Association Education Foundation offers tales of predatory lending and useful information on how to avoid being a victim. Also available in Spanish.

Center for Responsible Lending
The Center for Responsible Lending is a nonprofit advocacy group out of Durham, North Carolina, which provides extensive research on predatory lending, state and federal policy and legislation, and the latest news on efforts to combat predatory lenders.

Don't Be a Victim of Loan Fraud
This resource from the U.S. Department of Housing and Urban Development provides a definition of predatory lending, tactics used by predatory lenders, and tips on buying and financing a home.

HUD Predatory Lending 
Housing and Urban Development presents this resource guide on predatory lending, which includes research and reports, as well as resources for citizens with an FHA loan and a list of contacts for consumers with a non-FHA loan.

Memphis Area Association of Realtors 
Predatory lending is explained on this site. Warning signs and information on protecting yourself are included, as well as directions to a list of resources.
Tennessee Department of Financial Institutions
The Department of Financial Institutions is responsible for the regulation of banks, loan services, and mortgage companies. This site provides a list of registered entities in the state of Tennessee as well as information on where to file a complaint.

 

Managing Debt

Debt Management

     Debt.org has a wealth of free information on understanding and managing debt.      There are tips and tools, including debt help and advice, to help you decide          what is best for your financial well-being.

Money Management International
Money Management International, a 46+ year nonprofit, community service organization located in Houston, Texas, provides "professional financial guidance, counseling, community-wide educational programs, and debt management assistance."

SmartMoney's Debt Management
From SmartMoney Magazine, this site contains articles and news about debt management, student loans and credit cards. Use the worksheets to figure out where you stand financially.

Yahoo Finance: Learn the Basics about Managing Debt
At this website, Yahoo Finance offers basic and frequently asked information on the topic of managing debt.

 

Personal Finance 101

Consumer.gov
Consumer.gov is a federal government website that "is a 'one-stop' link to a broad range of federal information resources available online. It is designed so that you can locate information by category."

Federal Reserve
The Federal Reserve System, with twelve regional banks, provides a wealth of consumer and personal finance information.
Federal Trade Commission - For Consumers
The Consumer Information section of this website provides information on what businesses to avoid, scams and ripoffs, and other helpful tips on a variety of consumer topics.

Money 101
This site, presented by CNN, offers easy-to-understand lessons for "gaining control of your financial life." Topics covered include: budgeting, investing, insurance, 401(k)s and taxes.

MoneyWise Publications
Provides detailed publications on a number of topics in several languages. Examples include: Saving to Build Wealth, Building and Keeping Good Credit, and You Can Bank On It: Banking Basics.

The Motley Fool
The Motley Fool offers advice, opinions and a lively discussion forum. It is a valuable site for beginning investors and those wishing to learn more about personal finance topics. Online tutorials are available; some services require free registration.

MyMoney.gov
MyMoney.gov is a federal government website "dedicated to helping Americans understand more about their money - how to save it, invest it, and manage it to meet your personal goals."

Rutgers University Libraries - Personal Finance
Rutgers University Libraries maintains this personal finance website that covers information on financial management basics, borrowing, investing, giving and living.

SmartAboutMoney
This site, from the National Endowment for Financial Education, includes a resource library with information on financial planning, credit & debt, saving, investing and retirement. They also offer a list of 10 steps consumers can take to start getting smarter about money.

Yahoo! Finance
This site for investing and personal finance provides U.S. and International stock quotes, as well as historical quotes and other market information. Additional topics include financial news, industry news, annual reports, mutual funds, loans, insurance and taxes.

 

Real Estate

Real Estate: Investing and Home Buying

Free Advice - Legal Advice Site for Consumers 
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of real estate is covered here.

Nolo - Real Estate & Rental Property 
Maintained by the legal publisher Nolo, this web page offers information on real estate topics in lay person language.

Home Buying - Types of Credit - Mortgages

Consumer Handbook on Adjustable Rate Mortgages (ARM)
A handbook from the Federal Reserve Board that explains adjustable rate mortgages (ARMs), loans "with interest rates that change." Includes descriptions of how ARMs work, questions to consider, a mortgage shopping worksheet and a glossary. Also available in Spanish.

FDIC: Looking for the Best Mortgage
This site from the Federal Deposit Insurance Corporation offers a clear explanation of how to shop for the best mortgage option. The information is also available in Spanish.

Freddie Mac
Freddie Mac (Federal Home Loan Mortgage Corporation) is a privately owned corporation, sponsored by the Federal Government, which works to increase the supply of funds available to mortgage lenders. Their website includes a weekly mortgage survey and great information for homebuyers.

MortgageLoan
MortgageLoan combines current news and information, mortgage rates, calculators and broker/lender search tools to create an inclusive site for the prospective homebuyer or investor.

The Motley Fool: Home Center
The Motley Fool, a multimedia financial education company, offers a comprehensive overview of the home buying process including reviewing current interest rates, finding the right home, choosing a mortgage, and closing the deal. Particularly helpful is the full range of calculators and the clear explanation of mortgages.

U. S. Department of Housing and Urban Development ("HUD") - Shopping for a Loan
The U. S. Department of Housing and Urban Development explains the different types of lenders and different types of loans available for obtaining financing to purchase a home.

Welcome Home Memphis
Welcome Home Memphis was created through a joint partnership between the Memphis Area Association of Realtors and the City of Memphis to identify, develop, advocate and promote homeownership assistance programs. The website offers "comprehensive information on the home buying process and affordable housing programs and services."

Your Path to Homeownership
This government site covers all aspects of the home buying process. Especially helpful are the calculators for buying vs. renting, for estimating affordability, and for selecting the best loan option.

Reverse Mortgages

AARP: Reverse Mortgages
AARP is a nonprofit membership organization of persons 50 and older dedicated to addressing their needs and interests. The section on Reverse Mortgages provides a comprehensive consumer information tutorial.

ElderWeb
ElderWeb, an award-winning site created by consultant and CPA Karen Stevenson, offers an overview of Reverse Mortgages and how they can be used. It also highlights pitfalls to be avoided, including possible predatory lending as it applies to reverse mortgages.

 

Retirement

AARP
AARP is a nonprofit membership organization of persons 50 and older dedicated to addressing their needs and interests. This site offers a wealth of information on all aspects of retirement.

BenefitsCheckUp
"Developed and maintained by The National Council on Aging (NCOA), BenefitsCheckUp is the nation's most comprehensive Web-based service to screen for benefits programs for seniors with limited income and resources. BenefitsCheckUp includes more than 1,550 public and private benefits programs from all 50 states and the District of Columbia."

Choose to Save® Program - Savings Tips
The Choose to Save® Program is a national program, developed by the Employee Benefit Research Institute, which seeks to raise "awareness about the need to plan and save for long-term personal financial security."

Reverse Mortgages: Get the Facts Before Cashing in on Your Home's Equity.
The Federal Trade Commission has information on reverse mortgages that will help seniors to understand how reverse mortgages work, the types of reverse mortgages available, and how to get the best deal.

Social Security Online: Plan Your Retirement
The Social Security Administration's Plan Your Retirement webpage offers links to information on Social Security benefits by birth year, on factors affecting retirement benefits, and on other frequently asked questions. Helpful links allow you to calculate your benefits and to apply for retirement online.

 

 

Savings

America Saves
American Saves "is a national campaign involving more than 1,000 non-profit, government, and corporate groups that encourages individuals and families to save and build personal wealth."  This website offers savings information, tips, strategies and resources to help you get started saving for the future. 
Choose to Save® Program 
The Choose to Save® Program is a national program, developed by the Employee Benefit Research Institute, which seeks to raise "awareness about the need to plan and save for long-term personal financial security."

Federal Citizen Information Center
The Federal Citizen Information Center of the U. S. General Services Administration provides information useful to consumers about the federal government and everyday consumer issues. For information on savings see:
 
Introduction to Savings Bonds
From the Office of the U. S. Department of the Treasury, this Introduction to Savings Bonds provides information on the different types of bonds available.

Mapping Your Future
Mapping Your Future is a national, collaborative, public-service project of the financial aid industry. It provides free college, career, financial aid, and financial literacy services to students, families and schools.

 

Taxes

American Bar Association - Your Finances - Taxes 
From the American Bar Association, information on taxes and other legal topics, as well as links to helpful legal resources, can be found at this website.

FindLaw - Money Matters - Tax Law
FindLaw is an extensive website that provides links to resources in over 30 areas of law. This web page connects directly to the area on tax law.

Free Advice - Legal Advice Site for Consumers
FreeAdvice.com is intended to offer the most useful, comprehensive, balanced legal information for the public. The topic of taxes is covered here.

Internal Revenue Service 
This website, maintained by the Internal Revenue Service, offers tax forms (for current and prior years), IRS publications and instructions, and frequently asked questions about exemptions, deductions and credits.

Money Management International
Money Management International, a nonprofit community service organization located in Houston, Texas, provides "professional financial guidance, counseling, community-wide educational programs, and debt management assistance."

Nolo
Maintained by the legal publisher Nolo, this website offers information on taxes, in lay person language.
Shelby County Trustee
This website, maintained by the Shelby County Trustee, provides information on the types of taxes collected in Shelby County. It includes information on realty, personalty and other tax types. Users may look up or pay taxes online.
Tennessee Society of Certified Public Accountants
This website offers information, from Tennessee CPAs, on how to save on taxes, how to avoid common tax filing mistakes, how to find a CPA, and much more.