Notes

2

1. www.edmunds.com/car-leasing/3-ways-to-turn-your-lease-into-cash.html.

2. www.bankrate.com/brm/news/Financial_Literacy/fico-estimator.asp.

3. Liz Weston, Your Credit Score, Your Money & What’s at Stake (Updated Edition): How to Improve the 3-Digit Number That Shapes Your Financial Future (FT Press, 2009).

4. www.irs.gov/uac/Qualified-Transportation-Fringe-Benefits-under-ARRA.

5. Chris Balish, How to Live Well Without Owning a Car: Save Money, Breathe Easier, and Get More Mileage Out of Life (Ten Speed Press, 2006).

3

1. www.salvationarmyusa.org/usn/www_usn_2.nsf/vw-search/D477340FFA28755C8525743D0049D1EF?opendocument.

4

1. www.antennaweb.org.

2. www.lifelinesupport.org/ls.

5

1. Amy Dacyczyn, The Complete Tightwad Gazette (Villard, 1998).

2. www.irs.gov/Individuals/IRS-Withholding-Calculator.

3. www.statehealthfacts.org/comparetable.jsp?cat=7&ind=350.

4. www.insure.com/articles/healthinsurance/individual-health-coverage.html.

5. https://www.pparx.org.

6. www.needymeds.org.

7. http://findahealthcenter.hrsa.gov/Search_HCC.aspx.

8. www.nafcclinics.org.

9. www.mhakeystonecenter.org/patients.htm.

6

1. www.irs.gov/Businesses/Small-Businesses-&-Self-Employed/Deducting-Business-Expenses.

2. http://eitcoutreach.org/the-eic-estimator.

3. http://www.irs.gov/Individuals/Earned-Income-Tax-Credit-(EITC) ----Use-the-EITC-Assistant-to-Find-Out-if-You-Should-Claim-it.

4. www.irs.gov/Individuals/Find-a-Location-for-Free-Tax-Prep.

5. www.aarp.org/applications/VMISLocator/searchTaxAideLocations.action.

6. https://www.fsafeds.com/forms/dcfsa_worksheet.pdf.

7. http://childcareaware.org/parents-and-guardians.

7

1. www.apa.org/news/press/releases/2008/09/credit-cash.aspx.

2. www.bankrate.com/finance/checking/checking-fees-record-highs-in-2012.aspx.

3. www.cuna.org/data/consumer/atm/welcome.html.

4. www.theco-opnetwork.org.

5. www.allpointnetwork.com.

6. www.star.com/locator.

7. www.moneypass.com.

8. www.sum-atm.com.

9. www.learnvest.com/2013/01/how-i-paid-off-35000-of-debt-over-lunch.

8

1. http://www1.umn.edu/news/features/2010/UR_CONTENT_183285.html.

2. http://mysteryshop.org.

9

1. www.insure.com/articles/lifeinsurance/the-mothers-day-index.html.

2. www.salary.com/mom-paycheck.

3. www.insure.com/home-insurance/agent-selection.html.

4. www.cfp.net.

5. www.insure.com/articles/lifeinsurance/get-better-life-insurance-rates.html.

6. www.disabilitycanhappen.org.

7. www.socialsecurity.gov/pubs/EN-05-10029.pdf.

8. http://publications.usa.gov/USAPubs.php?PubID=6042.

9. www.rtl.org/action_center/pdfs/DPOA.pdf.

10. http://online.wsj.com/article/SB10001424052702303627104576410234039258092.html#project%3DDOC110702%26articleTabs%3Dinteractive.

10

1. www.nrdc.org/living/eatingwell/files/foodwaste_2pgr.pdf.

2. www.nytimes.com/2012/09/05/dining/clams-and-pasta-a-quick-ocean-meal.html?hpw.

3. Dolly Freed, Possum Living: How to Live Well Without a Job and with (Almost) No Money (Tin House Books, 2010).

4. Jennifer Reese, Make the Bread, Buy the Butter: What You Should and Shouldn’t Cook from Scratch—Over 120 Recipes for the Best Homemade Foods (Atria Books, 2011).

11

1. www.bankrate.com/calculators/index-of-mortgage-calculators.aspx.

2. www.bankrate.com/calculators/credit-score-fico-calculator.aspx.

3. www.myfico.com.

4. Liz Weston, Your Credit Score, Your Money & What’s at Stake (Updated Edition): How to Improve the 3-Digit Number that Shapes Your Financial Future (FT Press, 2009).

5. www.fanniemae.com/loanlookup.

6. https://ww3.freddiemac.com/corporate.

7. www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

8. www.irs.gov/Individuals/IRS-Withholding-Calculator.

9. www.occ.gov/news-issuances/consumer-advisories/2011/consumer-advisory-2011-1.html.

Acknowledgments

1. www.latetalkersconsulting.com.

2. www.naturallatetalkers.com.

3. Thomas Sowell, The Einstein Syndrome: Bright Children Who Talk Late (Basic Books, 2002); and Thomas Sowell, Late-Talking Children (Basic Books, 1998).