Resources


Life Stages

Big Purchases Continuing Education Family Finances
Owning a Business Retirement Planning Youth Finances

Tools for Everyone

Apps Calculators Games
Tutorials Videos Worksheets

Big Purchases

Action Plan: Choosing a Credit Card

Information about how to choose the perfect credit card to manage your credit and save money on finance charges

Are You Financially Fit? (FINRA)

A brochure and a workbook created by researchers at Florida State University after a three year study contrasting the personal finance strategies of households who had similar opportunities to accumulate wealth over their lifetimes but ended up with very different amount of wealth nearing retirement.

Bank Products (FINRA)

Information about different kinds of bank products that can help you with your saving goals.

Buying vs. Renting (Council for Economic Education)

Provides information about the advantages and disadvantages of buying versus renting housing.

Certificates of Deposit (CDs) (FINRA)

Information about what a certificate of deposit is, and how suggestions on how to choose the best CD to meet your goals.

Five Tips for Financial Security

Tips and information for keeping your finances under control.

How Can I Pay Off my Credit Card Debt?

Strategies for paying off your credit card debt.

How Your Credit Score Impacts Your Financial Future (FINRA)

What is a credit score, and how does it impact your future? These are some of the things this FINRA source covers, as well as suggestions on how to increase your credit score.

Leasing vs. Buying (DMV)

Information about the advantages and disadvantages of buying versus leasing a car.

Manage your debt (FINRA)

Are you in debt? Are you trying to get out of debt? This site offers advice on how to manage your debt and increase your credit score.

Money Market Accounts (FINRA)

What is a Money Market Account? Is it the right investment move for me? Find out more information about what exactly a Money Market Account is on this site.

Preparing for a Baby: Getting Your Finances in Order

Tips for getting your finances in order if you are planning a family.

Savings Accounts (FINRA)

While savings accounts are one of the simpler options for saving money, different accounts will offer varying features. Find out more here.


 

Continuing Education

Coverdells and Custodial Accounts (FINRA)

Learn more about this specific type of college savings plan.

Five Tips for Financial Security

Tips and information for keeping your finances under control.

Love Your Money

A website and online course designed to provide college students with the tools they need to manage their money, understand the financial markets and save and invest wisely.

Manage your debt (FINRA)

Are you in debt? Are you trying to get out of debt? This site offers advice on how to manage your debt and increase your credit score.

Repayment Plans (U.S. Department of Education)

Learn about the different types of loan repayment plans.

Series EE and I Savings Bonds for College (FINRA)

Learn more about this specific type of college savings plan.

Tips for Choosing College Savings Options (FINRA)

Information and tips for deciding which college savings plan is best for you.


 

Family Finances

Action Plan: Choosing a Credit Card

Information about how to choose the perfect credit card to manage your credit and save money on finance charges.

Annual Credit Report

You can obtain your credit report for free yearly at this site.

Are You Financially Fit? (FINRA)

A brochure and a workbook created by researchers at Florida State University after a three year study contrasting the personal finance strategies of households who had similar opportunities to accumulate wealth over their lifetimes but ended up with very different amount of wealth nearing retirement.

Costs of Having a Baby

Information, tools and calculators to  help you financially prepare if you are considering having a baby.

Financial Empowerment

Financial management empowerment tools, specifically geared toward individuals recovering from domestic violence. Information and modules created by the National Network to End Domestic Violence.

Bank Products (FINRA)

Information about different kinds of bank products that can help you with your saving goals.

Certificates of Deposit (CDs) (FINRA)

Information about what a certificate of deposit is, and suggestions on how to choose the best CD to meet your goals.

Financial Capability (FINRA)

Research brief regarding millenial’s ability to manage their finances. The brief was released in March 2014.

 

Get More Money Now (FINRA)

Brochure and website in Spanish and English created by the Education and Research Foundation of the Better Business Bureau Serving Metropolitan New York. Covers how to obtain better credit and save/keep more money for things that matter.

How Can I Pay Off my Credit Card Debt?

Strategies for paying off your credit card debt.

How To Not Suck… At Merging Your Money When You Marry

Provides useful tips and tools for merging finances between two people when getting married.

How Your Credit Score Impacts Your Financial Future (FINRA)

What is a credit score, and how does it impact your future? These are some of the things this FINRA source covers, as well as suggestions on how to increase your credit score.

Identity Theft and Identity Fraud

This website is provided by the United States Department of Justice and focuses on ways you can protect yourself from identity theft and fraud.

Manage your debt (FINRA)

Are you in debt? Are you trying to get out of debt? This site offers advice on how to manage your debt and increase your credit score.

Money Market Accounts (FINRA)

What is a Money Market Account? Is it the right investment move for me? Find out more information about what exactly a Money Market Account is on this site.

Savings Accounts (FINRA)

While savings accounts are one of the simpler options for saving money, there are typically more features. Find out more here.

Tips for Preventing Identity Theft

Information provided by the United States government on how to prevent identity theft.


 

Owning a Business

Action Plan: Choosing a Credit Card

Information about how to choose the perfect credit card to manage your credit and save money on finance charges.

Bank Products (FINRA)

Information about different kinds of bank products that can help you with your saving goals.

Business & Investment Research

Virginia Beach Public Library Business & Investments — Small Business Reference Center, Demographics Now, Reference USA and Morningstar Investment Center.

Business Structures (IRS)

Structuring your business will have an impact on your tax requirements. The IRS has provided information about the different kinds of business structures and their tax obligations. This information will help you decide which business structure is best for you.

Code of Virginia

Statutes, rules of the court and legal ethics opinions organized by title number and section and searchable by keyword.

Create Your Own Business Plan (Small Business Administration)

Tips and information for writing a business plan.

Employer Identification Number (IRS)

Will you be employing people for your new business? If so, you will need an employer identification number. The IRS has provided information on this tax ID number and how you can obtain one.

Filing & Paying Taxes (Small Business Administration)

Paying taxes is just as important for a business owner as it is for an individual. This site provides information about your state tax obligations.

 

Hire Your First Employee (Small Business Administration)

The Small Business Administration provides information about how to go about hiring employees.

Loan Programs (Small Business Administration)

Looking to start or expand your business? The Small Business Administration has provided some information about the different kinds of loan programs that are available for small businesses.

Manage your debt (FINRA)

Are you in debt? Are you trying to get out of debt? This site offers advice on how to manage your debt and increase your credit score.

Obtain Business Licenses & Permits (Small Business Administration)

In order to function as a business legally, you will need to obtain state and federal licenses. This site will give you information about each and provide ways on how to obtain these necessary documents.

 

Registering Your Business Name (Small Business Administration)

Naming your business is important for branding and marketing. It is also important for your tax papers. Learn more about about the importance of registering your business name here.

Savings Accounts (FINRA)

While savings accounts are one of the simpler options for saving money, there are typically more features. Find out more here.

Small Business Administration

Find information on starting and managing a business, securing loans, and contracting with the government. Watch free short online courses covering topics ranging from Buying a Business, Cybersecurity for Small Businesses, to Crowdfunding for Entrepreneurs, and more.

 

Starting a Business (City of Virginia Beach)

Thinking about starting a business in the City of Virginia Beach? This site provides valuable information about the steps that should be taken to open your business.

Tax Tips for Businesses

Small Business and Self-employed Tax Center; business and employment tax information, forms and publications, record keeping, and online learning tools.

Tips for Choosing Your Business Location (Small Business Administration)

Location, location, location. This could quite possibly be one of the most important decisions when starting your own business. Check out this article to read some tips about choosing the best location.

Useful Organizations

Commonwealth of Virginia

Resources from various state agencies to help simplify the process of starting and operating a business in Virginia, such as licensing and OSHA regulations, small, women- and minority-owned business procurement processes, and Workers’ Compensation guidelines.

Virginia State Corporation Commission

Instructions on incorporating a business and filing financial statements in Virginia.

Small Business Development Center National Information Clearing House

Supports the small business entrepreneur by providing information on starting, buying and selling a business, e-commerce, sample business plans, industry outlook trends and reports.

BusinessUSA

A centralized, one-stop platform to make it easier for businesses to access services to help them grow and hire.

General Services Administration Assistance for Small Businesses

The Office of Small Business Utilization connects small businesses with people and resources to help them grow.

Department of Veterans Affairs

Provides guidance and resources to veterans seeking to start a business and apply for federal contracts. The Veteran Entrepreneur Portal offers direct access to the resources necessary to guide every step of entrepreneurship.


 

Retirement Planning

Bank Products (FINRA)

Information about different kinds of bank products that can help you with your saving goals.

Before You Retire (FDIC)

An article explaining the different steps to take into consideration when developing your retirement plan.

Five Tips for Financial Security

Tips and information for keeping your finances under control.

How Your Credit Score Impacts Your Financial Future (FINRA)

What is a credit score, and how does it impact your future? These are some of the things this FINRA source covers, as well as suggestions on how to increase your credit score.

Manage your debt (FINRA)

Are you in debt? Are you trying to get out of debt? This site offers advice on how to manage your debt and increase your credit score.

Money Market Accounts (FINRA)

What is a Money Market Account? Is it the right investment move for me? Find out more information about what exactly a Money Market Account is on this site.

National Council on Aging

Senior resources on how to live on a strict budget during retirement. Additional information includes topics such as reverse mortgages and Supplemental Nutrition Assistance Programs (SNAP).

Retirement Savings Vehicles (FINRA)

Learn more about retirement investment options.


 

Youth Finances

360degrees of Financial Literacy

Resource for tweens, teens and parents by the American Institute of CPAs. Articles, calculators and a Q&A section will assist with current finances and future planning.

Check it Out! (video)

Learn about the benefits of checking accounts.

Teen Budgeting Worksheet

Budget for monthly expenses with this helpful worksheet.

To Your Credit (video)

Credit cards for teens.


 

Apps

Stash Cash (Idaho Commission for Libraries)

Library Based Learning tools and apps for better financial future.


 

Calculators

529 College Savings Plan Analyzer (FINRA)

This calculator will analyze how much you will need to save for college and compare fees and expenses associated with different kinds of 529 savings plans.

College Savings Calculator (FINRA)

Use this calculator to determine the amount you must invest each year to have enough money to cover all college costs.

Repayment Estimator (U.S. Department of Education)

You can use this calculator to determine how much you will be repaying on your loans, including interest.

Retirement Calculator (BankSITE)

This retirement calculator can be used to see how much you need to save to retire.

Savings Calculator (FINRA)

This savings calculator can be used to see how a consistent approach to investing can make your money grow.

Student Budget (American Institute of CPAs)

Use this calculator to determine the total cost of going back to school, including hidden fees.

Tools for Financial Planning (FINRA)

FINRA.org’s interactive Tools & Calculators can help you analyze investments, map savings goals and learn more about money management.


 

Games

Moneytopia Game and Tutorials (FINRA)

Games and tutorials to help you learn more about managing your money while having fun at the same time. Topics include net worth, monitoring your financial health, avoiding consumer scams and more.


 

Tutorials

Introduction to Accounting (Small Business Administration)

This short course will provide you with an introduction to accounting for small businesses.

Learning Center (Small Business Administration)

Take courses on various topics that are necessary for owning your own businses such as pricing, competitive advantage, patents & copyrights, etc.

Lynda Online Learning (Virginia Beach Public Libraries)

Lynda.com provides tutorials on a number of financial topics from home budgeting to business budgeting. Simply search for your topic. Note: You will need an active Virginia Beach Public Library card to access this database.

Moneytopia Game and Tutorials (FINRA)

Games and tutorials to help you learn more about managing your money while having fun at the same time. Topics include networth, monitoring your financial health, avoiding consumer scams and more.

Target your retirement (Boston College)

Learn about how to actively begin thinking and planning for retirement.


 

Videos

Avoiding the Debt Trap

Are you in debt? This video covers information about how to begin managing your debt, paying down credit cards, and increasing your credit score.

Estimating a Job (Tune in to Learning)

Are you ready to start charging for your products and services? This video will go through the process of trying to figure out how much to charge.

How to Build a Budget (FINRA)

Information about how to build a budget.

Manage Your Debt (FINRA)

Information about how to begin paying down debt.

Starting Your Own Business (Tune in to Learning)

Want to start a business, but don’t know where to begin? This video provides information and tips about how to get started.


 

Worksheets

Choosing a Credit Card (Save and Invest)

A worksheet developed to help you compare multiple credit cards to determine which one is best for you.

Budget Tool

A tool for budget planning.

Financial Projections Template

Need to know how much your business is projected to make over the coming years? This template will help you with the math.

Net Worth Financial Worksheet (FINRA)

This worksheet will help you determine how much your net worth is.

Where Do I Start? How to Find and Work with an Investment Professional.

It can be difficult to know where to turn for investment advice. Use this worksheet to assist in your search.