Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home.

Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.

Sealing and Insulating your home is one of the most cost-effective ways to make a home more comfortable and energy efficient—and you can do it yourself. Use This Guide To: Learn how to find and seal hidden attic and basement air leaks Determine if your attic insulation is adequate, and learn how to add more Make sure your improvements are done safely Reduce energy bills and help protect the environment Glossary of terms is included in this illustrated do-it-yourself guide.

Features of Missouri Real Estate License Exam Prep (MO-RELEP): National Principles & Law Key Point Review (60 pages) Real Estate Math Key Formula Review & Practice (20 pages) Missouri-Specific Laws and Practices (25 pages) National Practice Tests (500 questions) Missouri Practice Tests (105 questions) Missouri Sample Exam (100 questions) We know the real estate licensing exam can be tough, and very nerve-wracking to prepare for. That’s why we created Missouri Real Estate License Exam Prep (MO-RELEP) the way we did. Since we have been managing real estate schools and developing curriculum for forty years, we know how all this works – or fails to work. MO-RELEP is comprehensive in that it contains both key content review and testing practice. And the text review is Missouri-specific – not just simplistic national content, but terse, relevant and accurate Missouri laws and regulations presented as a well-organized set of state ‘key point reviews’ ideal for pre-test memorization. But let’s not dismiss the importance of the national content either. MO-RELEP’s national key point reviews are a succinct compression of tested national principles and practices that comprise the national portion of state license exams from coast to coast. Our content is drawn from our own national textbook, Principles of Real Estate Practice – one of the most widely used principles textbooks in the country. Finally, our national content, as well as our question selection, is further tailored to the state testing outline promulgated by PSI for Missouri. Thus the breadth and depth of the law reviews and test questions reflect the topic emphasis of your state’s testing service and your Missouri license exam. A word about the test questions… MO-RELEP’s testing practice section consists of ten national practice tests, five state practice tests, and one state exam sample test. The practice tests are roughly 50 questions in length and the sample test is 100 questions. The test questions are designed to cover the content covered by the law reviews – which reinforces your learning of the total body of information tested by your state exam. The questions are direct, to the point, and designed to test your understanding. When you have completed a given test, you can check your answers against the answer key in the appendix. You may also note that each question’s answer is accompanied by a brief explanation, or “rationale” to further reinforce your understanding. In the end, as you know, it’s all up to you. Unlike other publications, we are not going to tell you that using this book will guarantee that you pass your state exam. It still takes hard work and study to pass. But we have done our best here to get you ready. Following that, the most we can do is wish you the best of success in taking and passing your Missouri real estate exam. So good luck!!

Features of Pennsylvania Real Estate License Exam Prep (PA-RELEP): National Principles & Law Key Point Review (60 pages) Real Estate Math Key Formula Review & Practice (20 pages) Pennsylvania-Specific Laws and Practices (27 pages) National Practice Tests (500 questions) Pennsylvania Practice Tests (125 questions) Pennsylvania Sample Exam (100 questions) We know the real estate licensing exam can be tough, and very nerve-wracking to prepare for. That’s why we created Pennsylvania Real Estate License Exam Prep (PA-RELEP) the way we did. Since we have been managing real estate schools and developing curriculum for forty years, we know how all this works – or fails to work. PA-RELEP is comprehensive in that it contains both key content review and testing practice. And the text review is Pennsylvania-specific – not just simplistic national content, but terse, relevant and accurate Pennsylvania laws and regulations presented as a well-organized set of state ‘key point reviews’ ideal for pre-test memorization. But let’s not dismiss the importance of the national content either. PA-RELEP’s national key point reviews are a succinct compression of tested national principles and practices that comprise the national portion of state license exams from coast to coast. Our content is drawn from our own national textbook, Principles of Real Estate Practice – one of the most widely used principles textbooks in the country. Finally, our national content, as well as our question selection, is further tailored to the state testing outline promulgated by Pearson Vue for Pennsylvania. Thus the breadth and depth of the law reviews and test questions reflect the topic emphasis of your state’s testing service and your Pennsylvania license exam. A word about the test questions… PA-RELEP’s testing practice section consists of ten national practice tests, five state practice tests, and one state exam sample test. The practice tests are roughly 50 questions in length and the sample test is 100 questions. The test questions are designed to cover the content covered by the law reviews – which reinforces your learning of the total body of information tested by your state exam. The questions are direct, to the point, and designed to test your understanding. When you have completed a given test, you can check your answers against the answer key in the appendix. You may also note that each question’s answer is accompanied by a brief explanation, or “rationale” to further reinforce your understanding. In the end, as you know, it’s all up to you. Unlike other publications, we are not going to tell you that using this book will guarantee that you pass your state exam. It still takes hard work and study to pass. But we have done our best here to get you ready. Following that, the most we can do is wish you the best of success in taking and passing your Pennsylvania real estate exam. So good luck!!

Features of Real Estate License Exam Prep (RELEP): National Principles & Law Key Point Review (60 pages) Real Estate Math Key Formula Review & Practice (20 pages) National Practice Tests (500 questions) Sample Exam (75 questions) We know the real estate licensing exam can be tough, and very nerve-wracking to prepare for. That’s why we created the Real Estate License Exam Prep (RELEP) the way we did. Since we have been managing real estate schools and developing curriculum for forty years, we know how all this works – or fails to work. First, RELEP is comprehensive in that it contains both key content review and testing practice. RELEP’s national key point reviews are a succinct compression of tested national principles and practices that comprise the national portion of state license exams from coast to coast. Our content is drawn from our own national textbook, Principles of Real Estate Practice – one of the most widely used principles textbooks in the country. Thus the breadth and depth of the law reviews and test questions reflect the topic emphasis of the three major testing services for the national portion of the state exam. A word about the test questions… RELEP’s testing practice section consists of ten national practice tests and one sample test. The practice tests are roughly 50 questions in length and the sample test is 75 questions. The questions are direct, to the point, and designed to test your understanding. When you have completed a given test, you can check your answers against the answer key in the appendix. You may also note that each question’s answer is accompanied by a brief explanation, or “rationale” to further reinforce your understanding. Your particular study and testing practice strategy using RELEP is up to you. But to fully exploit its comprehensive content coverage, you should try to review and memorize the key point reviews as much as possible. Then you should make every effort to take each exam, review your mistakes, and re-read the key point reviews that cover your weaker areas. One note of caution is also in order: this National edition of RELEP does not contain state laws and practices applicable in your state of residence or where you intend to get your license. Therefore you will need to study state-level laws given to you by your prelicense school in order to pass the state portion of the state exam. While we are in the process of adding state-level materials to our RELEP series we still have a ways to go. So, until we have state review materials for your state, we give you this publication – a total-coverage review and practice resource of the highest quality for the national portion of the state exam. Now that we’ve have been straightforward with you, a second word of caution. Don’t be fooled by other national prep books – that contain no state-level materials – that advertise you will pass your state exam by learning and reviewing what’s in their publication. You won’t. It is absolutely essential that you develop a comprehensive understanding of both national and state laws and principles in order to pass your state’s license examination. While RELEP is as comprehensive a national prep text as it gets, in the end -- as your prelicense course hopefully informed you -- it’s all up to you. It still takes hard work and study to pass. But we have done our best here to get you ready for the national portion of the state exam. Following that, the most we can do is wish you the best of success in taking and passing your state exam. So good luck!! Current states with state-specific versions of Real Estate License Exam Prep- AL, AZ, AR, CA, CO, CT, FL,GA, IL, IN, KS, KY, MD, MA, MI, MN,MS, MO, NV, NJ, NY, NC, OK, OH, OR, PA, RI, SC, TN, TX, VA & WA.