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AAII's Guide to Top Web Sites

Personal Finance

Personal finance encompasses the broad array of financial concerns that most individuals must deal with throughout their lifetimes, including banking, insurance, savings, taxes, health care issues and all kinds of financial planning. Many websites cover at least one aspect of personal finance, but the sites we have listed below offer extensive coverage of a range of personal finance issues, such as mortgages, auto loans, credit cards, CDs, money market accounts and insurance. Plus, most also have numerous calculators, planning tools and educational materials that can help you with budgeting, asset allocation, college planning, health care decisions, tax planning, estate planning and retirement planning.

 Bankrate.com  

   www.bankrate.com
FREE
Our top choice as a source for interest rate data and other information to help in the selection of bank CDs, checking and savings accounts, money market accounts, credit cards, mortgages, car loans, home equity loans and other personal loans. There are also numerous personal finance calculators (how to optimize CD ladders, whether mortgage refinancing makes sense, how much to save for a child's education, etc.), several tax calculators, and information on debt management, as well as educational articles on personal finance. Redesigned earlier this year, the website is now easier to navigate and use.




 Kiplinger  

   kiplinger.com
Free
Complements same-named magazine with information on retirement, taxes, investing, real estate, saving, borrowing and insurance. Comprehensive set of tools including a variety of calculators, a budget worksheet, college rankings and guide to state taxes. Focus is more on advice than current news, with commentary presented via written articles, slide shows and videos.

Economic Outlooks section provides a nice overview of major data points.




 MyMoney.gov  

   www.mymoney.gov
FREE
This site provides links to specific content on the websites of more than 20 federal agencies and bureaus. Nearly all aspects of personal finance are covered, including saving, spending and borrowing. The content covers all age ranges, from savings and spending resources for younger and older kids to instructions for notifying the Social Security Administration when a family member passes. Many tools are included, such as a life expectancy calculator, a daily spending worksheet and a checklist for protecting your finances for emergencies.




 Yahoo! Finance  

   finance.yahoo.com
FREE

Where to Find: Click on Personal Finance.
Numerous articles about all aspects of personal finance, including loans, insurance, real estate, saving and spending and tax planning. Also provides useful how-to articles that cover the basics of each area. Content is well-organized, although there is little original content. Topic-specific calculators are linked to in most sections. A thorough dictionary of financial terms is available. Navigation is well-organized, and the site is easy to use.