Time Management

Managing your time helps to reduce stress,
raise productivity, and increase well-being!

We lose energy, time, and motivation when we let things go day after day.

Good time management enables you to make the best use of your time, lowers stress,

and helps guide you on the correct path to reaching your goals



www.aarp.org – news and tips on scams that target seniors

Better Business Bureau
www.bbb.org – consumer information, education, and protection

Consumer Action
www.consumer-action.org – multilingual pamphlets and resources for consumers on topics like banking, credit cards, car ownership, immigration, utilities, credit issues, etc.

National Fraud Information Center
www.fraud.org – resources to recognize fraud and online form to file a complaint.


Annual Credit Report
www.annualcreditreport.com – centralized service for free credit reports

Equifax - www.equifax.com
Experian - www.experian.com
TransUnion - www.transunion.com

Federal Trade Commission
www.ftc.gov – consumer information on credit, automobiles, identity theft, telephone services, privacy, etc. Oversees credit bureaus and collection agencies, and enforces the fair debt collection practices act.


College Planning Network (CPN)
www.collegeplan.org – a guide for adults returning to college

Fast Web
www.fastweb.com – service that matches students to scholarships

The Financial Aid Information Page
www.finaid.org – a comprehensive guide to financial aid

Financial Aid Student Guide (US Dept of Education)
www2.ed.gov – information related to adult education and literacy, career and technical education, and community colleges

www.petersons.com – information on colleges and graduates schools, including how to prepare and apply, pay for school, etc., a searchable directory of schools

Home Ownership

www.hud.gov – furthering affordable homeownership

HFY Real Estate Group
www.hfyrealestate.com – Building strong relationships and servicing the needs of clients

Invest Newark

Veterans United