INFORMATION SOURCES

As of January 2003, these sources have not been updated for 2 to 4 years. If you use one and it is out of date, email me!  CMM@BIBLICALSTEWARDSHIP.COM 

NON PROFIT CREDIT COUNSELING CENTERS. TO LOCATE THE NEAREST CENTER CALL OR WRITE TO:

THE NATIONAL FOUNDATION FOR CONSUMER CREDIT 8701 GEORGIA AVENUE SUITE 507 SILVER SPRINGS, MD. 20910

FOR SOME VERY PRACTICAL BUDGET TIPS, WRITE:

THE AMERICAN FINANCIAL SERVICES ASSOC. $1.00 copy? 1101 14 th ST N.W. WASHINGTON, DC. 20005

A SIGNIFICANT NUMBER OF ERRORS CAN OCCUR IN YOUR SOCIAL SECURITY RECORDS, SO CHECK YOUR RECORDS EVERY THREE YEARS. FILL OUT A FORM SSA 7004, AVAILABLE AT EVERY S.S. OFFICE. CHECK ON YOUR SOCIAL SECURITY:
SOCIAL SECURITY ADMIN. OFFICE OF INFORMATION 6401 SECURITY BLVD. BALTIMORE, MD. 21235  1-800-234-5772

FOR $1.00(?) YOU CAN GET "PUTTING YOUR CREDIT CREDENTIALS IN ORDER.", AN INFORMATIVE PAMPHLET ON OBTAINING AND AMENDING YOUR CREDIT FILE, FROM: BANKCARD HOLDERS OF AMERICA 333 PENNSYLVANIA AVENUE, S.E. WASHINGTON D.C. 20003

BEFORE YOU GIVE TO AN UNKNOWN CHARITY CHECK WITH: NATIONAL CHARITIES INFORMATION BUREAU 19 UNION SQUARE WEST NEW YORK, N.Y. 10003
ASK FOR, THE WISE GIVING GUIDE.

AND/OR, WRITE TO: PHILANTHROPIC ADVISORY SERVICE BETTER BUSINESS BUREAU DEPT. 023 WASHINGTON, D.C. 20042
ASK FOR, GIVE BUT GIVE WISELY. ENCLOSE A SELF ADDRESSED ENVELOPE AND $1.00

WANT TO START OR JOIN AN INVESTMENT CLUB? NATIONAL ASSOCIATION OF INVESTMENT CLUBS P.O. BOX. 220 ROYAL OAK, MICHIGAN 48068 

OCCUPATIONAL LICENSES STATE AND COUNTY COMBINED YOUR LOCAL COUNTY

REVENUE COLLECTION

OCCUPATIONAL LICENSING DEPT.

YOUR COURTHOUSE?

CORPORATIONS-FILING & FEES SECRETARY OF STATE THE CAPITOL TALLAHASSEE, FL. 32399

FICTITIOUS NAME REGISTRATION DIVISION OF RECORDING 115 S ANDREWS AVE. RM 114  FT. LAUDERDALE, FL. 33301

SALES TAX NUMBER FLORIDA DEPT. OF REVENUE SALES AND USE TAX BUREAU 355 N. STATE RD. 7 FT. LAUDERDALE, FL. 33317 954-797-8350 OR YOUR CLOSEST OFFICE

SMALL BUSINESS HELPS
SMALL BUSINESS ADMINISTRATION U.S. SBA 1320 S. DIXIE HIGHWAY SUITE 501 DEVELOPMENT CENTER CORAL GABLES, FL. 33146

FAU SMALL BUSINESS CENTER 1515 W. COMMERCIAL BLVD. 954- 536-5521 FT. LAUDERDALE, FL.

NOTE THAT MANY LOCAL COLLEGES AND UNIVERSITIES OFFER SMALL BUSINESS HELPS. CONTACT THE SCHOOL AND/OR THE DEAN OF THE BUSINESS COLLEGE.

IN THIS REGARD YOU CAN ALSO CONTACT YOUR LOCAL ADULT EDUCATION COORDINATOR. SOME OF THE LOCAL COURSES ARE SUPER!

FEDERAL TAX INFORMATION INTERNAL REVENUE SERVICE ATLANTA, GA. 39901 1-800-424-1040

(DON'T ASSUME THEIR ANSWERS ARE TOTALLY CORRECT!)

OFFICE OF BUSINESS LIAISON ROOM 5898-C COMMERCE DEPT. WASHINGTON, D.C. 20230 202-377-3176

Business Assistance Program. Can help if you have a problem in doing business with Govt agency.

HOTEL AND RESTAURANT REGULATION FL. DEPT. OF BUSINESS REGULATION HOTEL AND RESTAURANT DIVISION 201 E. BROWARD BLVD. RM 104 FT. LAUDERDALE, FL 33301

VENTURE CAPITAL FUNDING THE NATIONAL VENTURE CAPITAL DIRECTORY PUBLISHED IN 1990 BY FLORIDA ECONOMIC DEVELOPMENT FLORIDA STATE UNIVERSITY 335 COLLEGE OF BUSINESS TALLAHASSEE, FL 32306 850-644-1044 $40.00 IN 1990

USED CAR HOTLINE CONSUMER UNION CONSUMER REPORTS MAGAZINE HOW MUCH TO PAY OR ASK FOR A USED CAR. TOLL CALL. 1-900-258-2886 $1.50 A MINUTE AVERAGE CALL IS $7.50 

VIDEO AND GUIDEBOOK ON RETIREMENT PLANNING-1990 KIPLINGER--CHANGING TIMES MAGAZINE AND ERNEST & YOUNG. 55 MINUTE VIDEOTAPE AND 80 PAGE BOOKLET WITH WORK SHEETS. $24.95--CALL 1-800-544-0155 TO SEE IF STILL AVAILABLE.

BUYING U.S. TREASURY BILLS OBTAIN A TENDER FORM FROM YOUR CLOSEST FEDERAL RESERVE BANK. MIAMI BRANCH P.O. BOX 520847 MIAMI, FL. 33315-0847

A BASIC GUIDE TO EXPORTING: HAS CONTACTS, HOW-TO'S, GOVT HELPS, RULES AND REGULATIONS. GOVT PRINTING OFFICE P.O. BOX 371954 PITTSBURGH, PA. 15250-7954 $9.50 3003-009-00604-0

MONEY MANAGEMENT INSTITUTE OF HOUSEHOLD INTERNATIONAL, a financial services company. Updated series of booklets, filmstrips and videos. For more information write to the institute at: 2700 Sanders Road Prospect Heights, Ill. 60070 (1985 listing)

CITIBANKS-- Nationwide. Has a series of booklets entitled KEEPING YOUR FINANCIAL BALANCE. CALL OR WRITE YOUR NEAREST BRANCH. 

NATIONAL ASSOCIATION OF SECURITIES DEALERS. 1-800-289-9999 Call and check if your broker has had any disciplinary sanctions from NASD. 

INSURANCE QUOTES. For term insurance price quotes call 1-800-343-1985 Select Quote will send you quotes on five of the lease expensive policies from over 20 companies.

ANOTHER SOURCE OF INSURANCE QUOTES IS. INDEPENDENT ADVANTAGE 1-800-829-2887

NEED TO CHECK YOUR INSURANCE COMPANIES RATINGS? CALL WEISS RESEARCH 1-800-289-9222. THEY CHARGE $15.00 BUT IT MAY BE WORTH THE COST.

An excellent source of information on Property/casualty insurance is the Insurance Information Institute. Has a catalog of publications and videos on all aspects of insurance. Write them at"

Insurance Information Institute Publications Service Center 110 William Street New York, NY 10038 or call: 212-669-9200

YOUR MONEY MATTERS, A good book about finances. Written by Malcolm MacGregor CPA. Malcolm also teaches seminars and classes. Call or write for more information. Malcolm MacGregor CPA 4618 SW Pacific Coast Hwy Waldport, Oregon 97394. 1-503-563-4764

CONSUMER QUESTIONS? GOOD HOUSEKEEPING MAGAZINE HAS A MONEY COLUMN. Write to: "Your Money" GOOD HOUSEKEEPING, 959 Eight Ave NY, NY 10019

Consumer Price Index Statistics Available from Bureau of Labor Statistics Southeastern Regional Office Atlanta, Ga. 404-347-4416 CPI HOTLINE: 404-347-3702 

Retirement Helps for Women National Center for Women and Retirement Research. Pre-Retirement Education Planning for Women. Gives free seminars Call 1-800-426-7386

Credit Union National Association Box 431 Madison, Wisconsin 53701 1-800-356-9655 For information on joining or starting a Credit Union. Also ask for a copy of Everbody's Magazine. The consumer magazine for members of Credit Unions.

National Consumers League 815 15 Street NW Suite 516 Washington, D.C. 20005 Catalog of publications and services.

Consumer Connection P.O. Box 97077 Kirkland, WA 98083 206-828-8100 

Mutual Fund Education Alliance A non-profit trade organization. Offers, at cost, pamphlets, cassettes, video tapes, investor kits, directories and guides. 1-816-471-1454 or write: Mutual Fund Education Alliance 1900 Erie St. Suite 120 Kansas City, MO 64116

Investment Vision A bimonthly magazine from Fidelity Investments. Covers a variety of investment and financial planning topics. $15.00 a year. 1-800-777-1851 

American Association of Independent Investors 625 N. Michigan Ave. Chicago, Ill. 60611 312-280-0170 Publishes a monthly magazine on investing. $49.00 a year. Also offers books, tapes, seminars and conventions.

AARP--HEY, WHERE ARE THESE FOLKS? Ask for A GUIDE TO UNDERSTANDING YOUR PENSION PLAN.

SMALL BUSINESS HELP SCORE Service Core of Retired Executives 825 Connecticut Ave. Washington, D.C. 20001 202-653-6279 

Small Business Publications from the Small Business Administration P.O. Box 1000 Fort Worth, TX 76119  

Small Business Success Volumes 1 to 4 are free from the SBA and Pacific Bell Directory. Call 1-800-848-8000 

Look Before You Leap James Madison University Small Business Development College of Business 5 th Floor Harrisonburg, VA 22807 Send $6.00 for a workbook that if you complete it will give you a good idea of whether or not your business will work. 

A quiz that helps couples determine their compatibility in money matters. For Richer or Poorer leaflet. $1.00. Genesis Press P.O. Box 678 Tucker, GA. 30085 

MONEY MANAGEMENT INSTITUTE OF HOUSEHOLD INTERNATIONAL, a financial services company. Your Housing Dollar. Booklet on how to buy a house, financing tips, hiring contractors and work sheets on how much you can spend. 2700 Sanders Road Prospect Heights, Ill. 60070 

For Financial Planning Helps and to find a Certified Financial Planner in your area: Ask for ALL CFP'S in your area, not just those registered with the DPA Program. The Institute tries to give out names of those CFP'S who have paid an additional $100.00 a year. Institute of Certified Financial Planners 7600 E. Eastman Ave. Suite 301 Denver, Colorado 80231 303-751-7600

Federal Trade Commission Complaints and Inquires Dept 6 th and PA, N.W. Washington, D.C. 20580 Tips on selling energy efficient products overseas. Russell Sturm Int'l Institute of Energy Conservation 420 C Street NE Washington, D.C. 20002 

Minority Business Development Agency Department of Commerce. Programs for all on topics such as planning, marketing and management. Call 202-377-1936 for the nearest center. 

Office of Women's Business Ownership Small Business Administration 409 3 rd St S.W. 6 th Floor Washington, D.C. 204116 

Adjustable Rate Mortgages Consumer Handbook on ARMS  Federal Reserve Board 20 th and C St. N.W. Washington, D.C. 20551 REF # 21 A 25 page booklet that explains the ARM.  

ARM Check Kit HSH Associates 1200 RT 23 Butler, NJ 07405 Allows you to calculate your ARM so that you can check for errors. Also helpful in refinancing decisions. $3.00, money order. 

Over Their Heads Journal Graphics 267 Broadway New York, NY 10007 48 hours publication # 96. Transcript of a March 1990 program dealing with credit scams and managing debt. $3.00 

Want to do business in Japan? Destination Japan, Business Guide for the 90's $4.00 Supt of Documents Box 371954 Pittsburgh, Pa. 15250-7954 Stock Number 003-009-00602-3  

Mail Fraud or Scams? U.S. Postal Service Chief Postal Inspector Washington, D.C. 20260 

Financial Data WeeklyU. S. Financial Data Federal Reserve Bank Research Dept. P.O. Box 66593 St. Louis, Mo. 63166-6593 Weekly update on security yields, unemployment, consumer credit statistics. Good for technical analysis. $18.00 a year.

U.S. Dept of Housing and Urban Development 7 th and D St's, S.W. Washington, D.C. 20410-3000 Consumer Program Information Pamphlet No.,201-60332. Overview of FHA programs. Free.

Reverse Annuity Mortgages: Options for Elderly Homeowners. 30 Page overview including tables, sources and life expectancy tables. $4.00

A Consumer's Guide to Mortgage Refinancing. The Federal Reserve Board 20 th and C Streets N.W. Washington, D.C. 20551 Ref No.1. Costs of refinancing, effects of penalties and how to determine when to refinance. 

Housing Settlement Costs A HUD guide to settlement costs. U.S. Dept of Housing and Urban Development 7 th and D Streets, S.W. Washington, D.C. 20410-3000 

National Center for Financial Education Need to find these guys too! San Diego, Ca 

Bankcard Holders of America (BHA) 560 Herndon Parkway Suite 120 Herndon, Va 22070 Send $4.00 for a list of banks that offer low-rate and no-fee credit cards.

National Institute of Standards and Technology Public Affairs Division A903 Administration Building Gaithersburg, MD 20899 Government research as a source of good information the might be useful for your business. Ask for "Research, Services, Facilities." Free but send a self-addressed mailing label.  

Buying Treasury Securities From Federal Reserve Banks $4.50. Tells you how to buy treasuries direct. Avoid the commissions that brokers and banks charge. Federal Reserve Bank of Richmond P.O. Box 27471 Richmond, VA 23261 For rates and How to Buy call 202-287-4113 

If all else fails try the U.S. Govt Printing Office

Washington, D.C. 20402 1-202-783-3238. They take MasterCard and VISA!!! 

ECONOMIC INDICATORS: Monthly, $24.00 a year. U.S. Govt Manual: Names, addresses and phone numbers of legislative, judicial and agency offices. $21.00.  

CENSUS INFORMATION: 301-763-5002  

OFFICES OF CONGRESSMEN:202-224-3121 

Cooperative Extension Service Cornell University Ithaca, NY Offers many financial booklets and guides. Write for a catalog. 

For Real Estate Helps, Second Mortgage Advice, Selling Tips, Statistics, Computer Software and Research: REAL ESTATE CENTER TEXAS A&M UNIVERSITY COLLEGE STATION TEXAS 77843 1-409-845-2031

Bureau of Business Assistance Florida Dept of Commerce Tallahassee, Fl. 1-904-487-0463 

NASA Southern Technology Applications Center1-800-354-4832 

Skinflint News Ron Moore 1460 Noell Blvd. Palm Harbor, Fl 34683 Monthly newsletter on frugality. $12.00 a year. 

Interest Rates? Try: Fannie Mae's Rate Hotline: 1-800-752-7020 or The Office of Thrift Supervision 1-800-424-5405 ask for National Average Contract Interest Rate or the National Average Cost of Funds.

Sound Mind Investing P.O. Box 22128 Louisville, KY 40252-0128 Monthly investment journal written from a biblical perspective. 

I AM CONSTANTLY TRYING TO FIND AND UPDATE VARIOUS INFORMATION SOURCES AND ADDRESSES. IF ANY OF THE ABOVE ARE OLD, OR THE PRICES HAVE CHANGED, OR IF YOU HAVE NEW SOURCE, PLEASE LET ME KNOW. I APPRECIATE YOUR HELP.

This entire book is constantly under revision and updating. Please E-mail your suggestions, comments and testimonies. Note any errors or parts that are not clear.

THANKS FOR YOUR HELP!