Helpful Websites & Links

Helpful Websites and Links

Annual Credit Report

This is a Web site where you can obtain one free credit report per year from Trans Union (1 800 888-4213), Experian (1 800 682-7654 or 1 888 397-3742), and Equifax (1 800 658-1111).

“AnnualCreditReport.com is a centralized service for consumers to request free annual credit reports. It was created by the three nationwide consumer credit reporting companies – Equifax, Experian, and Trans Union.”

“AnnualCreditReport.com provides consumers with the secure means to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies in accordance with the Fair and Accurate Transaction Act (FACT Act).”

“AnnualCreditReport.com offers consumers a fast and convenient way to request, view, and print their credit reports in a secure Internet environment. They also provide options to request reports by telephone and by mail.

Bogleheads

“The Bogleheads follow a small number of simple investment principles that have been shown over time to produce risk-adjusted returns far greater than those achieved by the average investor. Many of these ideas are distilled from Nobel prize-winning financial economics research on topics like Modern Portfolio Theory and the Capital Asset Pricing Model. They are very easy to understand and to implement, and they work. In fact, the basis of all of these principles is the idea that successful investing is not a complicated process, and can be accomplished by anyone with a small amount of effort.”

“These ideas come from the investing philosophy of Vanguard founder Jack Bogle. They have been further distilled and explained in thousands of posts on the Bogleheads’ forums starting with original contributors Taylor Larimore and Mel Lindauer.

The three forums titled Personal Finance, Investing, and Personal Consumer Issues contain valuable information that is pertinent to consumers, employees, and retirees.

For Example the following is a good reference book and starting point:

“The Bogleheads’ Guide to Investing”

Taylor Larimore, Mel Lindauer, Michael LeBoeuf

Center for Retirement Research at Boston College

This is the Web site for the Center for Retirement Research at Boston College. It is recognized by the New York Times as the nation’s leading center on retirement studies. Their research covers many issues affecting individuals’ income in retirement. Their primary areas of research are Social Security, state / local pensions, health / long-term care, financing retirement, and older workers.

The following is an example of CRC at BC’s research pertinent to employees and retirees of the City of Atlanta:

“Can State and Local Pensions Muddle Through?”

Alicia Munnel, Jean-Pierre Aubry, Josh Hurwitz, Laura Quinby

Consumer Information from the Federal Trade Commission

It is consumer information provided by the Federal Trade Commission regarding the steps to follow in the event your identity as been stolen or compromised as well as the steps to follow to protect your identity. The topics covered include What To Do Right Away, What To Do Next, Types of Identity Theft, Protecting Your Identity, and Sample Letters/Forms for identity theft victims.

Employee Benefit Research Institute

This is the Web site for the Employee Benefit Research Institute. Its mission “is to contribute to, to encourage, and to enhance the development of sound employee benefit programs and sound public policy through objective research and education.” In all of its activities the EBRI operates “in an objective and unbiased manner and not as an advocate or opponent of any position.” Its primary focus is research. The EBRI believes that “retirement, savings, and health programs are at the heart of workers’, employers’, and our nation’s economic security.”

BeCrimeSmart

Do yourself a favor and be crime smart. Being well informed and taking a few basic steps will keep you from becoming a victim of a fraud or scam. In addition, it will save you the time and inconvenience associated with being a victim of a crime. The site has scam/fraud alerts, tips to be safe on the Internet, and how to report a scam/fraud.

The Governing Institute

This is the Web site for the GOVERNING Institute. It “covers politics, policy and management for state and local government leaders. Recognized as the most credible and authoritative voice in its field. The Governing Institute provides non-partisan news, insight and analysis” on several topics including pension reform.

The following is a good starting point: Type “Pension Reform Success Stories” in your browser. This will take you to an article on governing.com’s Web site. Be sure to read some of the articles listed in the sidebar titled RELATED ARTICLES.

IRA Help

Ed Slott was named “The Best Source for IRA Advice” by the Wall Street Journal and called “America’s IRA expert” by Mutual Funds Magazine. He is a nationally recognized IRA distribution expert.

For Example the following is a good reference book and starting point:

“The Retirement Savings Time Bomb and How to Defuse It”

Ed Slot

The Pension Rights Center

The Pension Rights Center was founded in 1976 and is a pension advocacy rights group. Its activities have been directed at trying to make sure that older Americans will have enough to live on when they are too old to work. It is a nonprofit consumer organization dedicated to protecting and promoting the retirement security of workers, retirees, and their families.

Pension Help America

Pension Help America is a website of the Pension Rights Center. It is a resource that can help you when you are not sure where to turn for help. It can connect you to counseling projects, government agencies, and legal service providers that offer free information and assistance.

Stay Safe Online

It is the Web site of the National Cyber Security Alliance. Its mission is to educate and empower a digital society to use the Internet safely and securely. In addition, it is dedicated to protect the technology we use and the networks to which we connect. Topics covered at their website included Keeping a Clean Machine, ID Theft/Fraud, Passwords, Social Networks, Online Shopping, Mobile Devices, and Backing Up Files.

Senior Discounts

Frugal Living

There are a number of Web sites that provide information about discounts available to seniors who are 50 years of age or older. These sites are dedicated to finding senior discounts across all areas of retail sales. Most discounts are available at no cost and require no registration. However, there are Web sites that offer greater levels of service through paid memberships and online registration.