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Letters of Administration: What They Are and How to Get Them

Obtaining letters of administration is often one of the first steps in managing a person's estate after they die.

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

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Table of Contents

What is a budget?
How the 50/30/20 budget calculator works
What is personal finance?
What is LegalZoom’s will maker service?
What is SIM swapping?
What is a home equity line of credit?
What is the Social Security 2024 COLA increase?
Net worth defined
What is Poshmark?
What is a simple definition of credit?
What is child identity theft?
Can you collect Social Security and a pension at the same time?
What are activities of daily living?
What is Upwork?
What is a mortgage?
Escheat defined
What is a required minimum distribution (RMD)?
What is guardianship?
Looking for more money?
What is a warranty deed?
Key takeaways
What is the gig economy?
What are the power of attorney requirements in my state?
What is identity theft?
Does scoliosis qualify for disability?
What is Do Your Own Will?
What is a bequest?
What is a residuary estate?
What is mortgage amortization?
What is an estate sale?
Can I get financing for a solar panel system?
Learn more about the good credit range
How can I talk to someone in Social Security?
What is the windfall elimination provision?
What is a FICO score and why is it important?
What is net income?
What is SSDI?
What is Rocket Lawyer?
What is the rule against perpetuities?
What is a power of attorney?
Is money tight?
Is 750 a good credit score?
What is a bypass trust?
What is estate administration?
What is Rocket Homes?
What is asset protection?
What is real property?
What is a health care proxy?
What is a QCD?
Harris proposes tax breaks for small businesses
Biden steps out of the election, endorses Kamala Harris
Harris and Trump to debate on Sept. 10
Who is leading in the polls?
What the 15/3 credit hack claims
Harris proposes an 'opportunity economy'
Why the 15/3 credit hack is wrong
What’s the truth?
Credit utilization ratio details
What really helps your credit score
1. Which type of mortgage is best for me?
How much should you spend on rent?
Does applying for a credit card hurt your credit?
Calculate how much to save each month
What is a credit freeze?
Work from home jobs often pay more
Who qualifies for spousal retirement benefits after divorce?
Option 1: Use your tablet as a phone over Wi-Fi
HELOC and home equity loan interest deduction rules
Good credit utilization follows the 30% rule
Debt avalanche vs. debt snowball
Explore 28 ways to save money
Who can contest a will?
What is the average credit score?
How much should you tip your hairdresser?
Microsoft Office Excel budget templates
What is a debt tracker?
Best time to buy furniture
What is a tiny house?
What is YouTube Premium?
What is debt relief?
1. Choose the smaller model
What is a home appraisal?
Research the market
Tenancy in severalty and estate planning
What is a first-time home buyer grant?
How much does a Disney+ subscription cost per month?
When is the best time of year to buy appliances?
How to make money as a kid
Estate planning checklist
At what age is Social Security no longer taxed?
How much does HBO Max cost per month?
How to get paid on TikTok
What is an authorized user on a credit card?
What is a mortgage recast?
How much does ESPN+ cost per month?
What is a cash-back app?
Why put a house in trust?
What is GoodTrust?
7 budgeting tips for everyone
What is a good used iPhone model?
How much does an Equinox gym membership cost?
Why would my credit score drop after paying off debt?
SSI vs SSDI: An overview
What is a reverse mortgage?
What should I do first?
Hulu subscription cost
Key findings
What is debt-to-income ratio?
You're receiving two separate payments
What is a family budget?
Target Circle Week 2024
Bottom line upfront
Tip calculator instructions
Does a partial payment affect your credit score?
Myth 1. Leaving a balance on your credit card is good for your score
What is a hard inquiry?
How to get your free credit report information
IHDA highlights and eligibility requirements
What is full retirement age for Social Security?
Virginia Housing highlights and eligibility requirements
1. Go to a museum, aquarium or zoo
SONYMA highlights and eligibility requirements
What does it mean to pay yourself first?
Super Bowl season
What is Etsy?
Community property states
Conservatorship vs. guardianship
What is a default judgment?
What are refinance closing costs?
What is a payable on death (POD) account?
What is Planet Fitness?
What is shrinkflation?
Freelancing
How much are Social Security benefits for nonworking spouses?
4 ways to make money blogging
What is a successor trustee?
Georgia Dream program highlights and eligibility requirements
What are the most important things to put in a will?
Have the money talk
Revocable vs. irrevocable trusts: Key differences
What is credit mix?
What is a utility bill?
How Railroad Retirement Board benefits work
15 of the best side jobs for college students
What is a debt collector?
What is Social Security?
What are three kinds of data breaches?
What is Amazon Prime Gaming?
How much should you tip a pizza delivery driver?
October sales at a glance
Why we overspend
Should I retire at 62, 67 or 70?
Seek legal advice — but act quickly
Apple Music subscription cost

How letters of administration work

What happens when you get sued for debt
Signing up, renting a car and getting started
Having a low credit limit
What is a hot market in real estate?
What is Amazon Flex?
Decide if you need a laptop in the first place
What is a high net worth individual?
Lyft driver requirements
How to calculate debt-to-income ratio
What are the benefits of buying in bulk?
What is payment history?
Tax benefits of buying a home
Collecting a Social Security retirement benefit while working? You could be penalized.
Grantors and grantees at a glance
What does it mean to be 'in escrow'?
What is TaskRabbit?
Figure out your budget
Preparing to buy tips
What kinds of coupons does Etsy have?
What happened to egg prices in July?
Nerdy takeaways:
Open roads and the great outdoors
1. 'Stack' store and manufacturer's coupons
What is a cash-out refinance?
Find a method that works
What does a credit freeze do?
1. Make sure you're ready
Why is personal finance important?
How to pass a rental credit check
How ADHD may qualify as a disability
1. Account for all possessions
1. Shop at stores with rewards programs
Average monthly disability pay by state
What the president can do about gas prices
How much does Apple TV+ cost per month?
Free budget worksheet
Prioritize essentials
1. Not knowing how much house you can afford
What is home equity?
Does divorce affect your credit scores?
Know what's on sale

NCHFA highlights and eligibility requirements
How to get cash fast
Should you use home equity or try an alternative way to pay off debt?
Pivot to a positive mindset
1. Decide on your budget
What is the average cost of groceries per month?
How a lady bird deed works
How to get paid on YouTube
What is net worth?
How much does a 24 Hour Fitness membership cost?
Red flags of debt collection scams
What is Amazon Prime Reading?
What is Sam’s Club?
What is a goodwill letter or late payment removal letter?
5 things debt collectors can’t do
1. Discuss funeral arrangements with close family and friends
When is a payment marked late on credit reports?
Making money with Rover
Is Upwork a legit way to make money?
How to unfreeze credit
Run them through your estate plan
How much does a Gold’s Gym membership cost?
What are home equity loans and HELOCs?
Exchange gift cards for ones you actually want
How much does a gym membership cost?
1. Ask the seller to reduce the mortgage rate
1. Opt for autopay
Are free credit monitoring services any good?
What is Goodbudget?
Key deadlines for notifying beneficiaries
Irrevocable trusts vs. revocable trusts
What’s included in the cost of Peacock Premium?
1. Compare sites and deals
How to lock your Social Security number for free
When you want to leave your job after six months
Where can you work as a Dasher?
Why are debt validation and debt verification letters important?
Budgeting for a baby
Start selling with just an eBay profile
How to make money on Pinterest
Online marketplace and auction sites
1. Buy your own cable modem and router for cheaper Wi-Fi (over time)
What is a home budget?
What a will can’t do
Start with the average cost of dog grooming
1. Identify your sources of retirement income
Money decisions amid a crisis
National first-time home buyer programs to consider
Maximize Social Security
What is the purpose of a warranty deed?
Credit bureau customer service phone numbers
How voluntary repossession works
How you win the lottery
What is bankruptcy?
How credit score damage stacks up
Make money selling on Amazon
Is the U.S. economy growing?
How to get free stuff online or in person
Why retirement age matters
Are disability benefits taxable?
Fixed rates vs. variable rates
What is a Social Security overpayment?
How long does bill negotiation take?
Defining low income
When to write a follow-up email after no response
SSDI benefits for scoliosis
What are short-term financial goals?
First steps: Before you accept a job offer
What a mortgage servicer does
2023 SSI maximum benefit amounts
What is broadband internet?
Inflation will impact deals
Contact your lender right away
How much is Amazon Prime in 2024?
1. Figure out what living debt-free means to you
Spotify Free
How much does the average water bill cost?
How to tip in general
How much is YouTube TV a month?
Explore free options first
How does Uber work?
1. Borrow money at a better interest rate
How to write a two weeks’ notice letter
1. Buy gift cards and certificates below face value
What happened to CPI in July?
Funeral cost breakdown
SC Housing highlights and eligibility requirements
National first-time home buyer loans
Important questions to ask a recruiter
What are low income home energy assistance programs?
Paramount+ Essential
Reasons to quit your job without another lined up
What are Social Security spousal benefits?
No credit vs. bad credit: What’s the difference?
What are variable expenses?
Other federal programs
What is rate shopping?
See how your offer compares
Negotiating salaries
What’s the difference between an attorney and attorney-in-fact?
How to replace your Social Security card online
What are the requirements to get a POA in Virginia?
Cardholders used less of their limits
How much is the average gas bill?
National first-time home buyer programs
Who a balloon mortgage is for
What types of accounts can be JTWROS?
How much does a wedding cost?
What is a cash offer on a house?
Are solar batteries worth it?
Why do executors need to show an accounting to beneficiaries?
Does an unused credit card affect your credit score?
How much should you tip at the nail salon?
1. Decide what type of trust you want.
What is a budget calendar?
What is a tax lien?
What is Bidenomics?
Why spring was historically the time to sell
Sell something of value
1. Know your marital status
PHFA highlights and eligibility
Uncover your teen's money fears
Why should you tip a valet?
How much does it cost to file for bankruptcy?
Allow up to 50% of your income for needs
The definition of a recession
How taxes have an impact on estate planning
NJHMFA highlights and eligibility requirements
What you should know before shopping at Trader Joe’s
Things to do before you go
MSHDA highlights and eligibility requirements
How much are millennial parents paying for child care?
Approximately when can beneficiaries of a will expect to be paid?
What is concierge medicine?
Tips for making returns
1. Trade in your stuff
1. Cut back on premium channels
Don’t get too extreme
Laid off vs. fired
Making a contingent offer on a home
Examples of time limits to file for probate in specific states
What is a VA disability rating?
TDHCA highlights and eligibility requirements
Window replacement costs and considerations
Understanding recessions
What is stagflation?
1. Holiday debt
Can you refinance a home equity loan?
What is TikTok Shop?
1. Reach out to a nonprofit or charitable group near you
How much does the Babbel app cost?
How much does a Crunch Fitness membership cost?
13 ways to get the best online deals
They might be too young to reap the benefits
Go with a prepaid plan or carrier
Will my debt ever get so old that I won't have to pay it?
Consult Walmart.com
What to take out
What is the Honey Chrome extension?
Step 1: Set 2024 money goals
1. Leverage free trials
Deal with immediate needs first
Why American families save
1. Gather paperwork, photos, prescriptions, perishables
What to buy when grocery shopping
What is a loan modification?
1. Read the rules
1. Sample it first
What is neurodiversity?
Buy: Mattresses
Buy: Winter outerwear
Buy: Patriotic items
What is Google AdSense?
1. Test your tech
1. Decide how much to budget
How much are Social Security survivors benefits?
What is an annuity?
Create a budgeting plan
Reason No. 1: Changes to the formula
Have I set up a trust?
What is a grantor retained annuity trust, or GRAT?
Cocoa prices soar with no relief in sight
What is a DBQ?
My Best Buy
Reasons to override a power of attorney
1. Sign up for Medicare
What is personal property?
Total your current compensation
6 elements of a nursing resignation letter
What is VantageScore 4.0?
What should I bring to an interview?
How eCredable works
Find your idea of stability
1. Draft a retirement plan
What is a walk-through?
Key findings:
Talk about money early and often
The best budget apps
What matters most for VantageScores
Money is a new language
Do rent payments affect credit?
Audit what's already in your house
Best places to sell clothes online
How an inter vivos trust works
Is it realistic to grow your score by 100 points?
Eligibility rules still apply
How does a second mortgage work?
When are you considered a first-time home buyer?
What is my net worth?
What is price matching?
Will paying off credit cards help my credit score?
Indoor furniture: Winter, summer
Why is having a low credit utilization important?
What is credit based on?
What is the typical down payment on a house?
How per stirpes works
What is mortgage forbearance?
How does a transfer on death deed work?
Credit history definition
Government home loans for buying
What is Amazon Prime Student?
How to budget money
Why your credit score matters
We’re spending less time shopping
What rights do you have when your car is being repossessed?
Why you’re getting two SSI payments
Figure out your debt load
IHCDA highlights and eligibility requirements
How is the maximum Social Security benefit calculated?
What would an opportunity economy look like?
¿Por qué los padres mantienen a sus hijos adultos?
Seven steps to basic estate planning
How much you can earn while on Social Security
Generally, closing a bank account doesn't affect your credit
How to change the gender marker on your Social Security record
What is a HELOC?
How retirement income is taxed: An overview
What is zero-based budgeting?
Types of finance
How car loans affect credit
The best places to buy a used iPhone or other cell phone
What is Instacart?
How to manage your money
How much is the house worth?
FuboTV cost per month
How escheatment works
Affordability falls: Prices outpace income
What is a condo?
How people use reverse mortgages
How to find your Social Security number
How much is TDIU?
What is an investment property?
How to make your budget resilient
Prioritize your bills
1. Explore alternative locations
What is a virtual assistant?
What to know before you refinance
What is Target Circle (the free one)?
How do job fairs work?
Uber driver requirements
Calculate your wedding budget
CalHFA highlights and eligibility requirements
What’s full retirement age and how does it affect my benefits at age 66?
Follow your rhythm, not rules
Affordability remains steady
How to get a home equity loan with bad credit
4 budgeting methods to consider
How a foreclosure affects your credit
Audible subscription cost
How much is Sling Freestream per month?
Reasons to buy a second home
When to apply for Social Security
Services available at credit counseling agencies
1. Review your 401(k)’s payout policy
1. Get help with utility bills and groceries
How Social Security estimates your benefits
How does a financial power of attorney work?
What are financial boundaries?
1. Home equity line of credit (HELOC)
Types of Florida power of attorney
How does a HomeStyle renovation loan work?
Topics that may come up in an interview
Consider renting if you’re in transition
Why is a credit check required to rent an apartment?
Frugal food tips
What is the Homeowner Assistance Fund?
2024 SSI maximum benefit amounts
What is a home inspection?
What happens after a default judgment is passed against you?
Work accommodations for depression
3 steps for dealing with a debt collector
Impulse buying definition
Why a mortgage-free retirement is usually best
What you should keep safe
What does a real estate lawyer do?
Annual income vs. gross income vs. net income
How much does a Planet Fitness membership cost?
What is a residuary clause?
Financial stress takes a toll
What is property tax?
5 best gas apps to help you save money
Roof replacement cost breakdown
‘I wish we had traveled more while we could’
Your credit card interest rate can be easy to miss
How much does SSI pay?
Report identity theft to the FTC
Affordability across the nation’s biggest metros
Types of accessory dwelling units
Step 1: Take inventory of your skills
What does Aura do?
Get clarity on your goals
Who's Taylor Swift anyway?
What are financial goals?
Types of mortgage loans
Ask questions
How long does it take to build a good credit score?
Are employers required to pay severance?
How do Social Security benefits for children work?
How a no-tax-on-tips promise entered the election
What is Mint?
Adjust to your new cash flow
Do you have to tip an Uber driver?
1. ShopSavvy - Barcode Scanner
Why ADUs are increasingly popular
What information is on a utility bill?
Four common ways to title your home
How surge pricing works
What is a starter home?
What is a mortgage underwriter?
Smarter appliances and shorter life spans
Recognize the limits of what you see online
1. Make your meals instead of ordering takeout
Myth 1: Experiences bring more happiness
Assess your debt
Work accommodations for bipolar
You should feel good about buying a house if …
Job or career change
1. Check what you already have and make a list
Cell phone statute of limitations
Cost-of-living adjustments
Accommodations
Indiana power of attorney requirements
Buy: TVs and big-ticket tech
Building a Twitch audience
What are the requirements for a power of attorney in Washington state?
Who can change their Social Security number?
The item is selling at the best price
What’s my full retirement age and how does it affect my benefit at age 63?
'File and suspend' loophole
Where consumers encounter dynamic pricing
How much is the average electric bill?
Disability approval process
What is a Peloton? The Bike vs. Bike+
How the Representative Payee Program works
2023 and 2024 SGA limits
What are some examples of liabilities?
How does SSDI work?
Legatee vs. beneficiary
How much does Amazon Flex pay?
Figure out how much you can budget for a laptop
Determining needs
Refinance to a lower rate
Get preapproved for a mortgage
Costs of caskets versus coffins
How do Prime Day deals compare with Black Friday?
Commonly asked interview questions
The government almost ran out of money this year
Make a list
What is the MyFICO credit score?
Revise your budget
Brace for another year of high interest rates — and prices
Reasons why your electric bill may be so high
How does a power of attorney work?
What is an REO property?
How repo agents work
Self-employment taxes are a mystery to many
Which documents should I save? And for how long?
What to know if you have a charge-off
What job makes the most money?
Types of PTSD that qualify for disability
A mortgage adds to your credit history
SSDI payment schedule for 2024
What is loud budgeting?
Learn the 5 health span risk factors
Financial confidence grows with age and wealth
Before shopping, take inventory
How these states will hike their taxes
Why life expectancy matters
How much can you save on prescriptions?
What is the PPI?
Why preplan your own funeral?
Beware of online relationships that move fast
Why this matters
Working might mean a smaller Social Security check
Do vet more than one home inspector
Write down two weeks’ worth of meals
Why check your tradelines?
Buy: Personal care items you can put on autopilot
First, review your cash flow
What do recruiters do?
Takeaway tips
How often do credit scores update?
To start, verify your mortgage type
1. Open an IRA
What can happen if you die intestate (without a will)
How much does adoption cost?
Control what you can
Getting your finances in order
Define and refine what you want
More have debt, but millions are ‘credit retired’
Running out vs. running short
Where do I get a reverse mortgage?
1. Update your budget
Lease requirements vary
1. Make your spouse an authorized user on your credit card
What credit information do I get with NerdWallet?
Transportation and job security concerns
Grantor basic role and responsibilities
What is the Flex Modification program?
Pros and cons of a quitclaim deed
What lenders look at in your application
What is included in a home inspection?
Do you qualify for Chapter 13 bankruptcy?
Commuter numbers rise by 7.5 million in 2022
What a 695 credit score can get you
What is re-aging, and what might re-age a debt?
How the Ticket to Work program works
When to leave an unequal inheritance
Do you qualify for Chapter 7 bankruptcy?
The factors that affect credit scores most
Make the most of every dollar
1. Find a payment strategy or two
2. How much down payment will I need?
Types of wage garnishment and how it happens
How to improve your financial health
Why does applying for a credit card hurt your score?
Tell me more: What is the 50/30/20 rule?
1. The courthouse
Start with cash
How to find bankruptcy attorneys to contact
1. Find your inspiration
International roaming plans: postpaid
Start with the sticker prices
Option 2: Use your tablet like a phone with a data-only plan
What is the average credit score by age?
What is a home equity loan?
Budget money to become a saver
Credit score
Start saving now
What is a monthly budget?
How much should you save each month?
What will the Social Security COLA increase be in 2025?
How to start selling on Poshmark
1. Skip the airport
Why is notifying bureaus important, and does it affect credit?
Pros of reverse mortgages
OHFA highlights and eligibility requirements
1. Check all three credit reports for errors
First, what’s an escrow account?
How many credit cards is too many or too few?
Too much debt or too little income
When is a home warranty worth it?
‘Fair credit’ vs. ‘good credit’: Why it matters
What are the three credit bureaus?
What is a co-op home?
What are the 6 primary ADLs?
1. Check your account statements
Key findings
How much does ESPN+ cost with the Disney Bundle?
Do medical bills affect your credit?
What is a will for?
Best cash-back apps of 2024
If you’re unsure where to start
How to make money on Audible with content creation
Deal with denial first
2. Switch to prepaid
What is a first-time home buyer class?
What is a bridge loan?
Traditional piggybacking
Mortgage payoff considerations
1. You missed a payment
1. Go to the correct site
I can't pay my mortgage. What are my options?
What is probate court?
Hulu Live TV cost
Buy strategically
What does a loan application have to do with my credit score?
Work accommodations for long COVID
Affordability down across large metros in second quarter
Types of personal finance software and apps
How to get your finances ready for divorce
What happened to PCE in July?
Know how much data you use
5 ways to make money from your phone
Why you should join (or not opt out)
What happens when the appraisal is lower than the offer?
How are VA disability compensation rates calculated?
What to do before making a partial payment
How much does a hard inquiry affect your credit?
Who are GSTs good for?
How to decide if you need a will, a trust or both
Pros and cons of warranty deeds
Pros of a condo vs. a house
Unload high-interest debt
How burial at sea works
How to find your full retirement age
What is Prime Day?
Late winter and early spring
Can you negotiate all of your bills?
Authorized accounts
How pay yourself first budgeting works
What are the stages of foreclosure?
1. PayPal Honey
Length of credit history vs. credit age
How much is HelloFresh?
What counts as community property?
How the FICO Score 9 is different
Types of bequests
You're in a cash flow bind
How to create a revocable living trust
Have you even heard from your advisor?
You do need to use credit
Don’t wait to talk to a bankruptcy attorney
What does financial compatibility mean?
Merging finances: plenty of reasons for and against
Who’s responsible for mortgage payments after you die?
2. Ask for a discount
Do other countries have credit scores?
1. Improve the exterior
What is a manufactured home?
Only send money to people you know
Work accommodations for anxiety
Set aside planning time
What is a revocable trust?
Credit references for potential tenants
What is Costco?
Buy: Electronics
Average monthly expenses by household size
What is the difference between a garage sale and an estate sale?
Solar shingle pros and cons
Pros and cons of a QTIP trust
What a 710 credit score can get you
1. Get clear on what you want
The benefits of waiting are huge
Garage door cost breakdown
Types of powers of attorney in California
2. Create a legally binding trust agreement.
How property transfer in probate works
Why do closed accounts stay on your credit report?
How to contact Social Security customer service
Mute the mania
How pour-over wills work with living trusts
Next of kin rules
How the windfall elimination provision (WEP) works
Saving a dollar but not spending too much
Payroll deduction makes a difference
Formulate a game plan
What is a recession?
When does checking my credit score lower it?
Artificial deadlines
Net income vs. gross income
What is pay transparency?
Poultry industry ‘holding its breath’
How much is in the Social Security trust funds?
Estimate your expenses
What happens at a celebration of life?
'Shiny thing' strategies
Stringent requirements
Separate needs from wants if you have a larger family
Is credit repair legal?
Incomes plunge but expenses may not
How ‘pay for delete’ works
Make or update a budget
Big money = little privacy
What should I check on my Experian credit report?
How the scam works
Why check your credit frequently?
Deciding factors
1. Review contracts carefully
Trim gas expenses through smarter driving
What is a trade war?
Why is net pay important?
What should I look for on my Equifax credit report?
Lyft vehicle requirements
2. Try a clothing swap
Pros and cons
Financial considerations
Black Friday vs. Cyber Monday
Understand how an appraisal affects home equity
What a 690 credit score can get you
How much of my Social Security Disability Insurance (SSDI) income is taxable?
Site-built, detached single-family houses
Organic frozen berries
How do I make my own will?
What about packages and bundles?
Steps to rebuilding credit after bankruptcy
Types of New York powers of attorney
How to write a living will

Easiest option: Update your address online
Be curious and helpful but not nosy
Your credit records remain separate
Give yourself a break
How Reddit can motivate and encourage
Strategies to build your 700 credit score
1. Make sure your financing and cash are all set
Pick an exciting goal
How much earnest money to offer
You may pay higher rates than others
How a bypass trust works
1. Control spending
Skip: Other clothing
What happens during estate administration?
Lower earners have fewer options for managing higher prices
What’s the difference between Chapter 7 and Chapter 13 bankruptcy?
Household expenditures could rise by $11,500
Understand and address your fears
First, see what you can get for free
Pros and cons of a charitable lead trust
With a 650 score, you may pay higher rates than others
Pandemic highlighted Americans’ financial fragility
What comfort looks like in a listing
Know your rights
1. Consolidate accounts
You may pay higher rates than others with a 680 score
Envision a typical day
1. Get preapproved for a home loan
Consider your own money story
What is the Fair Credit Reporting Act?
Pre-filing counseling
What powers does a health care proxy or medical POA have?
Minimum wage over time
Your car loan's impact on your credit score
How to get a death certificate
Why you might be making repairs sooner than you think
1. Pay off holiday debt
Emergency assistance for low-income renters
What is chronic pain?
Housing costs take a bigger bite of renter income
Review summer spending
How to find and evaluate inquiries
How does a special needs trust work?
Where you can work
1. Participate in paid market research
You can take steps to protect your identity yourself
What are game apps that pay real money?
What's the average credit score?
How does SIM swapping work?
How disability pay is calculated
What day is my August 2024 payment coming?
How to freeze your credit with all 3 bureaus
Talk about money early
How do sinking funds compare with other savings accounts?
Find first-time home buyer programs in your state
Other ways to budget
How does home equity work?
Normalize the feeling
How much is a tiny house?
Fixer-upper mortgage options
Calculate your estimated VA disability benefits
Does my state have transfer on death deeds?
Netflix subscription cost
Appraisal bias reports are on the rise
How much is YouTube Premium?
Potential benefits of filing for bankruptcy
How much will my Social Security be reduced if I have a pension?
How much does a home appraisal cost?
Average net worth by age
Pros and cons of tenancy in severalty
What is a fraud alert?
How does Experian Boost work?
What is the price of a Sam’s Club membership?
Do goodwill letters work?
Determine how your Social Security is taxed
How do I know there's a late payment on my credit report?
Reflect on your past
What is the Chevron deference?
How does being an authorized user affect your credit?
Your credit score could drop if your bank account isn't in good standing
Heating and cooling
How does a mortgage work?
1. Use online valuation tools
Finding the best credit monitoring service for you
What is ‘cash stuffing’?
Pros and cons of mausoleums
Mint vs. NerdWallet at a glance
How to make your savings last longer
What’s in a certificate of trust?
What’s included in the cost of Peacock Premium Plus?
Does fibromyalgia qualify as a disability for SSDI?
What are the requirements for delivering with DoorDash?
How RMDs are calculated
What must a debt validation letter include?
How does a spendthrift trust work?
How to use a HELOC in retirement
How much of my credit card should I use?
An emergency fund is a top priority for nearly half of Americans
What is an assumable mortgage?
Episode transcript
What is a credit score?
How to check if your credit is frozen
Is a pocket listing illegal?
What are the weekly jobless claims?
Hang up and 'go to the source'
You may need your equity later
Know the credit score you’ll need
How to pay off debt
How to read a credit report and what to look for
Why does tipping matter?
Visual aids motivate
What percentage of people retire at 65?
How much of your SSDI benefits are taxable?
What is gig work?
2. Read a book
How to make money online
Conceptualize and research your Etsy idea
How Social Security is calculated
Start planning early
1. Do your homework and gather evidence
How your servicer can help if you’re behind on payments
I moved in with my mom
Conservatorship vs. adoption
What minimum credit score is needed to buy a car?
Spotify Premium cost
Example of a residuary estate
What does a kitchen remodel cost?
How does escrow work?
How much does an Uber cost?
Requirements for a HELOC on an investment property
2. Qualify for the best credit card deals
Before and after
How to use the debt snowball method
Estimating the costs and how to minimize them
Can I collect Social Security and other retirement benefits at age 55?
Examples of financial goals
1. "Your Social Security number is suspended."
What is a mortgage amortization calculator for?
How it works
What types of assistance does LIHEAP provide?
What is the CHOICERenovation loan?
Variable expenses examples
How to make a will without a lawyer
Dynamic pricing in the public eye
Creators weigh their options
1. Shop for the short term
How long does it take to get a replacement Social Security card?
Give up on getting your money back
Why is my gas bill so high?
What to do if your data has been compromised in a breach
Why do employers check credit?
Think about what you really want
How does a solar battery work?
What does it mean if you have a tax lien?
How FICO 10 and FICO 10T are different
Algorithms are pricing for profits
2. Limit your shopping trips
How to follow up on a job application
CHFA first-time home buyer loan programs
What should I look for in my TransUnion credit report?
How much should you tip a valet?
What can happen if you don't have a will
You’ve faced your fears
Mortgage rates should trend a little lower
Where to find free identity theft protection
The online life doesn’t leave a paper trail
‘It doesn’t matter when I take Social Security’
Options for cutting child care costs
What the lawsuits are about
Talk about inheritance early
How much would you otherwise spend on food?
Full retirement age for Social Security
Who is a credit ghost and who is ‘unscored’?
How much do Instagram influencers make?
Interior cost estimates
How Gen Zers handle finances
You could qualify within your first year in the home
Seek financial education
Why was inflation so high?
What is Project 2025 about?
Look back, then forward
How to start with Amazon Flex
When you could try DIY
Forecasters predict a modest decline in rates
Cash-outs drain future retirement security
Starting a house-flipping business in 8 steps
What is good debt?
Mortgage rates should keep falling
Black swan events: not worth the worry
Create a rewards tracker
Most care about their credit scores; many hurt by credit before
What day is my September 2024 payment coming?
1. Affiliate marketing
Opt for gender-neutral products
How to get power of attorney
What are socially conscious actions?
What’s in the rule?
2. Use a free TV streaming site or app
Pros and cons of buying FSBO homes
How does loan modification work?
A 750 credit score can help get you the best rates on loans and credit cards
There's no shame in having money shame
What to know about Social Security retirement benefits
1. Medicare thresholds matter
What does it cost to be you?
Skip: Electronics
What IdentityForce does and what it costs
Skip: Indoor furniture
How AdSense works
Charcuterie board ingredients
Lock down your cash flow
1. Competitive offers close deals
How do I qualify for a HECM?
1. Thinking you’ll die young (or at least early)
Your employer will make the first choice
What a 720 credit score can get you
Average monthly costs for home internet plans
Dress for the job you want, even if you’re at home
Women face extra risks
1. Always have a plan
Ramp up short-term savings
Strategies to build your 705 credit score
1. Upfront costs of homebuying are substantial
The case for secondhand gifts
Rules for qualified charitable distributions (QCDs)
Focus on functionality over nomenclature
If not the rejection, then why did my credit score drop?
Paying won't take a collections account off your credit reports
Out of the frying pan
How to work with TaskRabbit
You control communication with debt collectors
What’s the purpose of a budget?
How’s the housing market right now?
2. Find a coupon database or a browser extension
Work out how much of your income should go to rent with the 50/30/20 rule
How to place an Equifax credit freeze
Who qualifies for SSDI?
Check the sales, spread out the shopping
Overview: Best loans for first-time home buyers
Examples of personal finance in everyday life
Most parents don’t plan to have more children
Why SSI has limits for married couples
2. Install a browser extension
How does a home equity loan work?
Working from home jobs are growing
How much Social Security does a divorced spouse get?
Give yourself the flexibility to roam
What is an example of the debt avalanche strategy?
Average costs by project
Who has price-matching policies?
Do you have to tip a hairdresser?
Google Sheets budget templates
Debt tracker tools
Should I carry a balance or pay my card in full?
The role and tools of the Federal Reserve
How to lower your credit utilization
Will mortgage forbearance affect my credit?
Credit history vs. credit report
When should you seek debt relief?
2. Buy last year’s model
Tally up your contributions
How did the CFPB funding challenge unfold?
Common scams
How a home equity sharing agreement works
Credit freezes: The best advice, largely ignored
Ways to earn money as a younger kid
When does a mortgage recast make sense?
TransUnion credit freeze online
Sales prices return to summer peak, winter valley
How to get Upwork jobs
Look for freebies with purchases
Does closing a credit card hurt your credit?
What's the difference between a HELOC and a home equity loan?
Hardship programs vs. debt management plans
1. Take inventory of your finances
How irrevocable trusts work
2. Negotiate your rate
How to buy a house with cash
Front-end and back-end DTI
Why does Core PCE matter so much?
What does a virtual assistant do?
What are some smart money moves to consider ahead of a possible recession?
Factors that could affect the size of your bill or tip
How to get started with Visible
Skip: Bedding
Consider other guaranteed income
Can you use a reverse mortgage for long-term care?
Credit bureau self-service websites
Local minimum wage increases
Is filing for bankruptcy right for you?
Lower limit, higher credit usage
When is the next Prime Day?
2. Find money for child care
2023 SSI eligibility requirements
How do you handle a default judgment?
Why we impulse buy
2. Know how much debt you have
How much should I spend on my water bill?
How to use this VA disability back pay calculator
How much does it cost to build a deck?
How do Social Security disability benefits work?
Pros and cons of a trust
2. Big-ticket baby gear
A few percentage points can mean hundreds in interest
Step 2: Focus on monetizable skills and ideas
What does it mean to be a successor trustee?
Compare medication costs
Gen Z bounced back fast
Costco membership price
How important a factor is credit mix for your scores?
Rebuild your safety net
Is salary the only consideration?
Understanding attorneys-in-fact
What are the different types of POA in Virginia?
Balances also fell
Definitions: Modular vs. manufactured homes
What is OASDI?
To compete with cash offers, find out what sellers want
How long does underwriting take?
Keeping lousy records
3. Choose your beneficiaries and trustee(s).
How do you get Amazon Prime Gaming?
Our take on managing money when you’re neurodiverse
Pause before buying
Now, it’s always homebuying season
When should you tip a pizza delivery worker extra?
Many app-based drivers don’t earn minimum wage
Making the decision was surprisingly hard
How to stop spending money
Median income by state: 2022
Types of POAs in Washington state
How much does concierge medicine cost?
Stores with some of the best return policies
2. Take online surveys
How much were Social Security expenditures in 2023?
Workers want to ride the next job wave
2. Pare down cable boxes
What assets should you not put in a living trust?
What to do if you’ve been laid off from work
Not being able to make debt payments
Why is this such a seller’s market?
Acknowledge the emotions
What is a VA disability rating based on?
What a 715 credit score can get you
What it looks like
A 'beater' truck and a fat 401(k)
Are we experiencing stagflation now?
Is MyFICO free?
When will home equity loan rates come down?
How the rule against perpetuities works
Savings have dwindled for many during the pandemic
Misuse can lead to damaged credit
What does a disability lawyer do?
If your job loss isn’t permanent
Browse coupon websites
Isolation doesn’t guarantee fewer risks — just fewer people
Benefits of an energy-efficient home
How does Honey work?
Step 2: Practice saying no to requests
Next, tend to financial issues
What contributes to payment history
How death-planning apps work
Stock up when you see discounts
Looking back at 2023
What is liquid net worth?
2. Know when to splurge — and skimp
Watch for common red flags
Why people tackle one goal at a time
6 ways to stretch your SNAP benefits
HUD programs
Adapt ingredients, as necessary
How did the mifepristone case make it to the Supreme Court?
1. Create a payment plan
Define the action steps
2. Plan to tackle high-interest debt
How the VA DBQ works
Chapter 7 bankruptcy
My Best Buy Plus
What are the steps to overriding your power of attorney?
Get clear on your goals
When your ex is alive: Divorced spousal benefits
Paperwork issues account for most disenrollments
How to create a quitclaim deed
You’ve probably encountered 'roach motels' and 'Iliad'
How does a home warranty work?
2. Create an investing strategy
Debt impacts credit scores of many, for better or worse
1. Focus on your qualifications
Reduce your spending
YNAB, for hands-on zero-based budgeting
For shoppers
3. Do I qualify for any down payment assistance programs?
It’s usually best to delay
Sun, surf and sand: Myrtle Beach
How much cash can you get from a cash-out refinance?
Build good financial habits
2. Get your finances in order
2. Determine distribution
2. Examine your situation
How to build credit fast
Tablet calling is easy
How to calculate your credit utilization ratio
Who should get a cash-out refinance?
2. Shopping for a house before a mortgage
How are credit scores changing?
How to make a monthly budget
Make a plan for shared accounts
Use shopping tools to maximize savings
Family trust vs. living trust
What to expect with a credit score simulator
How do you set up a transfer on death (TOD) deed?
How to freeze a child’s credit
Get the Best HELOC Rate
How do I enroll in Amazon Prime Student?
What should my monthly grocery budget be?
What does Disney+ include?
Riesgos de mantener a los hijos adultos
2. Gather obituary information
Will requirements
What is required to be approved for a HELOC or home equity loan?
How to put your house in a trust
Advantages and disadvantages of reverse mortgages
2. Reduce your internet speed for a lower price
How to make a home budget
Factor in variable expenses
Myth 2. Closing a credit card you don’t use is good for your credit
Types of warranty deeds
Money hot takes
Money move 1: Look at the numbers
1. Pay on time
Pros of getting a fixed-rate HELOC
Where are layoffs happening?
How do I know if I received an overpayment?
3. Catch a movie
What is a modular home?
How to approach the interview topics
How to write a follow-up email after no response
What types of scoliosis qualify for disability for SSDI?
What are long-term financial goals?
Wedding planning is plagued by money struggles for many
Do Your Own Will benefits and drawbacks
Who's eligible for HAF?
When will lenders use it?
2024 SSI eligibility requirements
SSDI benefits for depression
Short-term mortgage assistance: Forbearance
Save and budget diligently
How to calculate annual income
Does spending more money build credit faster?
Startups focus on paycheck-to-paycheck workers
Range of tickets prices offered
Examples of shrinkflation
What can I add on to YouTube TV?
Lean on investments or savings, if you have them
How does a living trust work?
How does a nonworking spouse qualify for Social Security retirement benefits?
SSI eligibility
Place a fraud alert with credit bureaus
If prices fall, buyers may stall
3. Join the club
How much does Aura cost?
What to consider before quitting your job
Stop “doom loops” and connect consumers to humans
Who gets severance pay?
Anticipate your expenses
What’s happening to Mint?
How much should you tip an Uber driver?
How do unions work?
Solar shingles vs. solar panels
Best senior-specific plans
Health insurance: $5,000 to $20,000
What is an HOA and what does it do?
Balloon mortgage pros and cons
How tenancy by entirety works
When surge pricing becomes unfair
1. Use your FSA
Know what you can pay
SSDI benefits for bipolar
2. Go beyond a will
Looking beyond 401(k)s
What to do about an old phone bill
Holiday dishes
The Fed is pushing to slow the economy
Skip (for a couple of weeks): Toys and holiday decor
What to buy at Trader Joe’s
1. The lowest unemployment rate in five decades
Know your options
Driving people around
Don’t close out credit cards
Our take on the recent banking crisis
What counts as SGA?
Why your liabilities matter
Is ‘pay for delete’ legal?
How much does SSDI pay?
Know how to find cheaper gas stations
Find unbiased advice on laptop models and specs
How tax rules have changed
Tipped minimum wages by state
What assets count toward a high net worth?
The numbers are stubborn
What HELOCs are good for
Confidence abounds
How is net pay calculated?
Decide who gets what
Filing Chapter 7 after a Chapter 7 discharge: 8 years
Work-from-home trend a factor, researchers say
How much does Babbel Live cost?
The timeline to lower inflation
How to maximize Social Security benefits for married couples
How to tell if a debt is time-barred
If you’re buying a home
Authentic Italian ingredients
Will I get stuck with family members' debt after they die — or vice versa?
Gig work tax basics
Should everyone buy in bulk?
What is title insurance?
Why does this matter?
A mortgage diversifies your credit
2. Identify the ‘keepers’
Why did you become interested in a tiny home?
2. Don't arrive hungry
How to preplan your funeral
Understand the why
Do get a home inspection for new construction
How does earnest money work?
Save on what you buy
Why add tradelines?
How neurodiversity affects your finances
Know your long-term goal
Budget apps for couples
Tax benefits of owning a home
What are 55+ communities?
Plan your meals
How a charitable lead trust works
Ways to beef up your 650 credit score
Track your spending for a set period
How a GRAT works
Higher returns for savers
2. Open a joint credit account together
What is the best form of asset protection?
Grantee basic role and responsibilities
Real property vs. personal property: definitions and examples
What are your rights under the Fair Credit Reporting Act?
At capacity and sometimes wrong
Pick a specific task to tackle
How does the new job compare?
What do you think are the financial challenges Asian Americans face?
What does financial freedom look like for you?
What is the connection between debt and chronic pain?
How to approach October sales
How do you file Chapter 7 bankruptcy?
Secured vs. unsecured debt
Start with a spending plan
2. Become a virtual assistant
Does opening a new credit card hurt your credit?
How do you report rental payments?
You get to customize your home
What LegalZoom's will maker looks like
FICO vs. VantageScore
What to put in an inter vivos trust
Assess your resources
What is a credit lock?
How does the Social Security Administration calculate a COLA?
Note Poshmark’s seller fees
Custom furniture: Varies
How VA disability is calculated
Reduce the cost of activities
Waiting is best for most people
Pros of using a real estate agent network
7 takeaways while delivering takeout
2. Find a market that's prime for flipping
How does a hard inquiry affect your credit score?
Late payments or bankruptcy
What affects the home appraisal cost?
Pros and cons of a lady bird deed
Our take on financial fears
How do I access Prime Reading?
2. Categorize your expenses
Is there a Sam’s Club Membership discount?
How to write a late payment removal letter
Why is beef so expensive?
Freezing your Experian credit report online
Fetch Rewards
Auto loans on your credit report
How bridge loans work
For-profit piggybacking
Types of mausoleums
What is included in an Equinox membership?
How to get SSDI benefits for fibromyalgia
2. Enter your personal information
How does probate work?
How to qualify for TDIU
Which mortgages are assumable?
Know what happens when you can't pay a bill
You might get a better mortgage rate by refinancing
A weekend or holiday impacted the schedule
Start your family budget with estimates
What is Target Circle 360 (the paid one)?
How much do you tip at a restaurant?
2. Estimate your retirement expenses
Uber vehicle requirements
Defining your money personality
How voluntary repossession affects your credit and finances
Save in a high-yield account
What if a foreclosure doesn’t fall off after seven years?
How much is Sling TV per month?
What is the U.S. unemployment rate?
Burial at sea for veterans
What happens if I retire before age 65?
Research your provider and the competitors
Double the card, double the bonus
TV release cycle
Renting could help you age more safely and serenely
2. Rakuten Cash Back Button
Frugal shopping tips
What is not community property?
How much does internet service cost per month?
1. Gather information
Mortgage interest
What are the Amazon Prime benefits?
How credit scores affect auto loans
Pros and cons of a POD account
Is your advisor listening?
How much to tip various service providers
How property taxes work
How to read your escrow analysis
‘I wish I’d had something to retire to’
Don’t touch your retirement money
Why ADUs are hot now
Two weeks’ notice templates
2. "Your benefits are suspended."
2. Spruce up the interior
When can a spouse claim Social Security spousal benefits?
How to build credit from nothing
Use cash and credit cards in higher-risk situations
2. The Coupons App
How to avoid repossession after missed car payments
Keep your cash safe
How do tips factor into wages?
How rate shopping can affect credit
Dynamic prices can go up. And down.
Who manages estate sales?
2. Take advantage of credit card rewards
Can I get a replacement Social Security card at my local office?
Costs — and acceptance — vary widely
What is the purpose of a QTIP trust?
Are Railroad Retirement Board benefits higher than Social Security benefits?
2. Make a spending plan
What is a forever home?
The mortgage underwriting process
Rules for executors doing estate accounting
Double-check advice and credentials
4. Choose a bank or financial institution.
Why using a budget calendar matters
Who is most likely to earn minimum wage?
Social Security phone numbers
Pour-over will example
Our take on financial infidelity
What is a good FICO score?
3. Stick to your list
Payment increases from continuing to work
Leave 30% of your income for wants
Types of Indiana powers of attorney
Who receives the special minimum Social Security benefit?
What you need to do

Letters of administration vs. letters testamentary

Gather information
Why is pay transparency important?
3. Redeem credit card points
How much income did Social Security receive in 2023?
Which subscriptions can you cancel?
3. Pay attention to fees
How can I budget for my electric bill?
How many Instagram followers do you need to make money?
What a representative payee does
What economic proposals are in Project 2025?
Tips for making the most of Prime Day sales
Pay off debt
Identifying wants
Refinance to a longer term
Be prepared to offer above the asking price
Rocket Lawyer benefits and drawbacks
Are we in a trade war?
What happened after the debt ceiling deal was reached?
Consult a tax pro
Lyft insurance requirements
1. Make sure it’s legal
How much does a Crunch Signature membership cost?
Why did GDP increase in Q2 2024?
Not all of the highest-paying jobs are on the list
Our take on outsmarting debt cancellation scams
You don’t automatically share credit cards
3. Look for offers from cell phone carriers
Find people with similar challenges
Strengthen your finances
Recognize the other barriers to healthier living
How life expectancies can differ
Who qualifies for a loan modification?
PPI categories
Social Security is taxed
Shop and store
Tips to work on your 630 credit score
Start with bills that remain the same each month
Burnout and poor mental health at work
How often do credit reports update?
Buy: Outdoor furniture and grills
Buy: Summer apparel
Lower earners already spend all or more of their income
2. Create a wedding budget spreadsheet
Our take on complaining to get results
How much does a $100,000 annuity pay per month?
Spending less slows the burn rate
Does my loved one receive government assistance?
2. Ignoring your spouse
Key context
Preparing for peer, social media pressure
What the Hollywood strike means for you
How to apply for low-income internet
Ways to beef up your 680 credit score
Households with ongoing medical costs, insurance gaps
Anticipate tax changes
Commuter vehicles reach 116 million as ownership costs rise
How do I decide whether to pay it off early?
1. Set up a payment plan
Uber Eats requirements
Steps to getting a cash-out refinance
What identity theft protection services do
Use technology to save money
How to tell if you’ve been SIM swapped
Leverage familiar apps
Money Worship
How much does Apple TV+ cost when bundling with Apple One?
Today’s HELOC rates
How to contest a will
How to qualify for price matching
Check in with your body
NCHFA first-time home buyer loan programs
Rules for refinancing conventional loans
How to make the homeowners insurance switch
How much does an Amazon Prime Student membership cost?
3. Buy a pre-owned iPhone
How credit scores work
Our efficiency is costing us; online shopping likely to blame
When you’ll get paid
Indiana first-time home buyer loan programs
How to maximize your retirement income
Instrumental activities of daily living
Pros and cons of home equity sharing agreements
Homebuying budgets may need a reality check
Can I use ESPN+ to watch ESPN?
How to close your bank account so your credit isn't affected
Don’t delay buying back-to-school supplies
2. Use the FHFA House Price Index Calculator
Think about where you’ll get care
What to consider before joining a gym
Zero-based budgeting example
3. Change or remove your cell phone insurance
The Fed makes emergency cuts when need arises
How to get a certificate of trust
How much does Peacock cost for students?
3. Look for last-minute deals
Can you freeze your Social Security number?
How do reverse mortgages work?
How to build a baby budget in 4 steps
SSDI benefits for long COVID
What a will shouldn’t do
2. Rethink summer travel
Types of guardianship
Visible’s two plans
Buy: Sporting goods
What to do if you're having trouble making your payments
Personal finances cited for optimism, economy for pessimism
Track your progress in several ways
IHDA first-time home buyer loan programs
Virginia Housing first-time home buyer programs
When is Amazon Prime Day October?
What to look for in a credit counseling agency
Holiday weekends
2. Take note of 401(k) fees
What is a gig worker?
Why are financial boundaries important?
2. Homeowners insurance claim
New York state first-time home buyer programs
How to get an apartment with little or no credit
Where can I get FICO Score 9?
When does the home inspection happen?
How conservatorship works
Supply chain issues could resurface
How to make a bequest
You're in a pricey area
3. Choose a payoff method
How much debt did you have starting out?
Our take on the Fed news
How much does a 20-minute Uber cost?
Selling stuff
Types of trusts
3. Get favorable terms on a new cell phone
3. Furniture
$125 million on check-cashing services
Get into the negotiation headspace
What the mortgage amortization calculator does
Paramount+ with Showtime
What type of anxiety qualifies for disability benefits?
Georgia first-time home buyer programs
How much does it cost to make a will?
Credit references for utilities
Are there free or discounted Costco memberships?
Build credit in your own name
More about student loans
Minnesota first-time home buyer loan programs
What is a reasonable wedding budget?
Communicate expectations
How closing a credit card can affect your score
Why should you tip your nail tech?
How to get a power of attorney in California
How to get a tax lien removed
How long do closed accounts stay on your credit report?
Gaming Prime Day deals
When will lenders start using FICO 10 and 10T?
Examine recent spending, then ruthlessly reduce
Give it one to two weeks, then follow up
Understand common money fears
What causes a recession?
‘If I have a shorter-than-average life expectancy, I should claim benefits early’
How to make money as a novice
How long do you have to transfer property after death?
THDA highlights and eligibility requirements
Just starting out? Get on the credit radar
Difference between a funeral and a celebration of life
Complicated appeals process
Presumptive disability or presumptive blindness
Taxes and Medicare premiums can change after a death
How much does a Peloton bike cost? Buying vs. renting
Alternatives to Fabric by Gerber Life
Get organized
TDHCA first-time home buyer loan programs
Buy a laptop that’s on sale
2. Credit card delinquencies
3. Look for contests, sweepstakes and giveaways
Discuss your financial limits
Study the fine print
How much of my private disability insurance income is taxable?
How to find bank-owned properties
How to avoid overpaying for cable
What is socially conscious consumption?
Understand how subscriptions impact your finances

Credit impact
Why does a high DTI affect new credit?
Alternative option: Update your address by phone
What to keep in your wallet
Seek out moms in-person and online
Loud budgeting can help you save more, find support
Our take on money tasks to finish before the end of the year
Reliable information is key — and readily available
How the Amazon and Walmart drug discounts work
How does this proposal differ from recent changes to medical debt reporting?
Break big tasks into smaller ones
Do be there for the home inspection
Affordability down overall
Buy: Pet food and litter
Buy: Summer apparel and pool toys
More about bringing in a little extra cash
First-time home buyer grants available across Illinois
Our take on the end of credit card rewards
How much does AdSense pay?
Which is better: Chapter 7 or Chapter 13?
What are the intestacy laws in my state?
Basic food staples
What's the maximum Social Security survivor benefit?
Learn together
Try peer-to-peer platforms
2. Available homes may not be perfect homes
How does a lender evaluate my application?
3. Negotiate your bills
Rental housing built in the construction boom comes to market
If your credit score is 700 or above
3. Have your spouse apply for a secured credit card
Take retirement for a test-drive
2. Team up with a buyer's agent who understands how to buy a foreclosure
Delay Social Security
How to designate a health care proxy or medical POA
Quitclaim deed loopholes
Different types of home inspections
VantageScore 3.0 vs. VantageScore 4.0
How do you file for Chapter 13 bankruptcy?
State minimum wages in 2024
First-time home buyer grants in West Texas
2. You don’t want to feel tied down
Before the walk-through
Web searches for rent relief terms peaked, and peaked again
Effect on credit scores depends on provider and debt type
Types of special needs trusts
Stop using your credit cards
Recent weather events around the U.S.:
Why are eggs so expensive?
4. What is my interest rate?
How landlords and property managers check credit
Some non-parents don’t plan to have kids because of the cost
3. Think about your children
3. Ask for manufacturer coupons
3. An Airbnb or hotel rental
What information do you need to freeze your credit?
Consider charging rent
The strategy behind sinking funds
Itemizing or taking the standard deduction
Credit freeze vs. lock
Who offers first-time home buyer assistance?
MHDC highlights and eligibility requirements
How to set up a family trust
Mortgage payoff calculator help
What is an example of per stirpes?
3 name-change procedures, 1 purpose
How many credit cards should I have?
Debt relief options to consider
What is the average American net worth?
First-time home buyer grants across Florida
How does a housing co-op work?
Are paid surveys worth it?
What can I do if I make a late payment?
How much does a will cost?
Trade the gift card for cash
What's the difference between a HELOC and a cash-out refinance?
How retirement income from Roth accounts is taxed
2. Use part of your down payment to pay down debt
Make the most of your money
Who offers first-time home buyer education?
If you pay for a credit monitoring service
2. Your credit card balance is higher than usual
How to set up an irrevocable trust
Can I get both SSDI and SSI?
Steps to quitting after a short time
How does DoorDash work for drivers?
RMD table 2024
Hulu add-ons
What is the difference between a spendthrift trust and a regular trust?
Embrace substitution
How do I minimize hard inquiries?
Is 0% credit utilization bad?
Getting an investment property mortgage
Class representatives don't always get a larger payout
How is my Social Security retirement benefit determined at age 66?
Our take on having too many credit cards
Prices stall in first quarter
How to build your credit score
What are the types of bankruptcy?
How to buy a second home
Google Store credit
Why your full retirement age matters
How much tax do I actually have to pay on my SSDI benefits?
How I accrued my debt
Cons of getting a fixed-rate HELOC
How do I pay back a Social Security overpayment?
3. Recover unclaimed money
The measure of low income can vary
Family benefits and pensions can change the numbers
How to set up a financial power of attorney
Credit age matters, but other factors matter more
Do I need an estate planning attorney?
For SSI eligibility, what counts as a resource or asset?
What type of depression qualifies for disability?
Impulse buying vs. compulsive shopping
Don't make yourself poorer
Should you hire a real estate attorney?
How the VA disability back pay calculator works
Shrinkflation vs. skimpflation
Where to find a lender that offers HELOCs for investment properties
After a tiny bump, inventory falls again in Q4
Consider adding some insurance
4. Make strategic menu choices
SC Housing first-time home buyer programs
How to claim low income energy assistance
5 ways to turn no credit into good credit
Do you get severance if you’re fired?
How long do children receive Social Security benefits?
What are fixed expenses?
3. Check prices before and after shopping
Ask the resort to take it back
How can I lower my gas bill?
Disadvantages
5. Finalize documentation.
Myth 2: Marshmallows predict future success
Fake apps are stealing crypto
Spread out the impact of big expenses
Do you have to tip pizza delivery drivers?
4. Pay attention to prices
PHFA first-time home buyer loan programs
How to pay for a bankruptcy
When should you make a will?
Doing what a journalist does: Research
Nevada Housing Division highlights and eligibility requirements
Buy: Small kitchen appliances
NJHMFA first-time home buyer loan programs
Tactics to try at the box office
2. Women are gaining on men in the labor market
MSHDA first-time home buyer loan programs
Advantages of concierge medicine
How the avian flu could affect turkey availability
4. Use a cash-back site or app
Respect cultural differences
It's in stock
4. Nix DVR service
DHCD highlights and eligibility requirements
Our take on online vs. traditional banks
WHEDA first-time home buyer programs
Exterior cost estimates
Types of real estate contingencies
Audit your spending
How long do collection accounts stay on your credit reports?
What is a government shutdown?
Change how you drive to increase fuel economy
How does the VA calculate disability ratings?
Legatee vs. devisee
Key differences between caskets and coffins
How does having a high net worth impact your financial life?
Do big box competitors match Amazon’s prices on Prime Day?
What’s in your credit reports?
Stretch your grocery budget
Filing Chapter 13 after a Chapter 13 discharge: 2 years
How to dispute your Equifax report online
2. Double-check your insurance
Why you may want to refinance
Lifestyle factors
How to shop Cyber Monday sales
Investigate card benefits
Check the appraisal report for accuracy
Other options with no credit check
Tour-stop cities feel the Swift effect
What’s next?
Can I get VA disability for PTSD?
4. Invest in a digital antenna
The flip side
Check your local grocery store
Access to financial assets grows, but unequally
Exactly what are liquid assets?
Ideas for spending less
What to know about Social Security disability benefits
Create a framework
2. Required distributions can go to charity
2. Save regularly
Skip: Most electronics
Estate administrator responsibilities
Create a savings reserve
Types of charitable lead trusts
Schedule recurring check-ins
What retired credit could cost you
Push for emergency savings picks up steam
3. Carrying debt into retirement
What this means
Egg prices have increased 47% since August
2. Get it all on one page
How do I sign up and activate my NerdWallet credit dashboard?
2. Plan for income from your retirement accounts
Delay Social Security, if not retirement
Grantors and grantees in real estate
Am I eligible for the Flex Modification program?
Pre-discharge counseling
Our take on data breaches
2. Add to your emergency fund
Take a deeper look
How does re-aging impact credit reports?
3 ways I paid for repairs and upgrades
Knock off money tasks one at a time
Common QCD mistakes
Use it then rebuild it
How to prevent conflict
What to do if you spot a problem
Home improvements amid a global pandemic
How to attract clients and succeed
Why is budgeting important?
3. Transcribe audio and video
How much of your wages can be garnished?
Retiring and Social Security can be separate decisions
3. Read the fine print
How much rent can you afford?
What is a credit limit and where can you find it?
Building foundations
You might get builder incentives
A long non-winning stretch, but still hope
Know the limitations
Working from home job ideas
Set expectations of what your child will contribute
Reasons to consider a Roth later in life
Home equity loan rates in 2024
Identify your next-level priorities
3. Getting just one quote for mortgage rates
How can I build my credit?
Calculating net worth: What are assets and liabilities?
How to make more money on Poshmark
2. Shop around online
Are there exceptions to the 15%-20% rule?
NerdWallet’s budget planner
Outdoor furniture: Summer, fall
Where to buy a tiny house
How to determine the work needed and your budget
What are the pros and cons of using home equity to pay off debt?
How does mortgage forbearance work?
Why credit history is important
How an adverse action notice can help you
What were your monthly payments and how much did you earn while you paid them?
Lay the groundwork for the conversation
What other ownership structures exist?
Do I need a fraud alert?
Distinguish between good debt and bad debt
What data do the credit bureaus maintain?
Our take on life insurance
How do I borrow an item from Prime Reading?
Proteger las finanzas y la relación
What is the difference between Sam’s Club memberships?
Confidence is low across the board
Let your goals inform your habits
What do the herring fisheries want?
When will beef prices go down?
Mortgage recast requirements
Is there an ad-free version of ESPN+?
Explain the importance of an estate plan of their own
What a mortgage payment includes
'I don't have to talk to the creditors anymore'
Where can you work for Instacart?
How the cash stuffing method works
Option 1: Sell the house and split the proceeds
Other alternatives to Mint
Escheat examples
More grim news in home inventory
Does Peacock offer a free plan?
3. Request a credit report or reports
What aid is available?
What to include in your debt verification request
Pick your product to sell
Prices up for the season
What to look for in a personal finance tool
How to assume a mortgage
3. Don’t assume — ask
What are the credit score ranges?
How much do virtual assistants make?
Understand how much data your apps use
Visible’s data speed
How much do you tip for other services?
How to deal with a low appraisal
What to wear to a job fair
Secure and monitor your accounts
Team up with your partner
Pick a sustainable withdrawal rate
You’re deeply in debt
Advantages of a reverse mortgage
Information you’ll need
Fund long-term goals
You can rebuild much sooner
A hard inquiry can ding your score
How old do you have to be to retire?
How to apply for Social Security
Is burial at sea legal?
4. Play a game inside
The gray area
Running the numbers
Create holiday spending categories
What it takes to get a good FICO score
I made a 20% down payment
Pros and cons of revocable living trusts
How to set up a POD account
Is your advisor leaning in?
Why knowing your annual income matters
How is the residuary estate distributed?
Ways to lower your monthly mortgage payment
4. Improve your chances of renting a home
Watch for red flags
Can you collect both spousal benefits and your own retirement benefit?
Why does CPI matter?
Look for lower interest rates and ways to pay more
One for the money, two for the show
How to appoint a successor trustee
3. "You can pay to increase your benefits."
Efforts to combat hidden and junk fees
What is a mobile home?
Consider a hybrid approach
Track your spending and cut back where you can
What is the difference between Costco memberships?
How you can prepare for the end of Mint
OHCS highlights and eligibility requirements
Buy: Car seats and strollers
Buying a car
What is debt collection?
Surge pricing vs. dynamic pricing
What do employers see in a hiring credit check?
Most people are still claiming too early
2. Plan your weekly menu, and stick to your list
How do you budget for Amazon Prime Gaming?
Find your debt-free date
Prospective buyers should come prepared
Employment gap
Kentucky Housing highlights and eligibility requirements
The wild card to wealth: your health
Cut out what you don't need
Make a digital assets inventory
How long do recessions last?

How to get letters of administration

How to cancel an interview
Now that the old loophole doesn’t work, what are my options?
Dynamic pricing can be good for consumers
Consider sustainable clothing if you have younger kids
How to monetize your Instagram with fewer followers
Tips for navigating a seller's market
What can credit repair services do?
What it makes sense to use your equity for
Watch out for overconfidence
Inflation and consumer spending
How Amazon Flex works
Shop at a reputable retailer or refurbisher
How to file a dispute with Experian
Necessity doesn’t drive most retirement plan cash-outs
What tariffs are in place or coming?
Protect your retirement savings
2. Sponsorships
Yes, gas prices have gone up
What you can deduct
AHFC highlights and eligibility requirements
But spouses can help each other
Working with a buyer's agent to purchase a FSBO home
How payment history affects your scores
How gas prices are set
What was your living situation like before?
3. Find a cheap ride
Do your own research
2. Determine how your buyer’s agent gets paid
Alabama first-time home buyer programs
Use and replenish
Short resignation letter example
Advantages of a bypass trust
Our take on canceling luxury credit cards
Our take on saving for college
Assess what the community offers, and what you may miss
DSHA highlights and eligibility requirements
Be resourceful in the kitchen
Build a bigger emergency fund
Getting preapproved and comparing lenders
Get creative to reduce expenses and increase income
How LGBTQ-friendly real estate agents can be vital resources
Take a gut check
Handling splurges
My Best Buy Total
How the Social Security first year of retirement rule works
Reflect on recent money experiences, too
Nerdy homework
Definitions are blurry in some situations
Why does the renewal process fail for so many?
Reflect on 2021
How eCredable compares with Experian’s products
2. Get to know the roles
Is Chapter 7 bankruptcy right for you?
Work some side hustles
Combine your finances, or some of them
Project 2025 calls for big changes to Medicare, Medicaid
VantageScore range
Bright lights, big city: NYC
Money is emotional
13 fundamentals of personal finance
4. Name an executor
How to meet your monthly savings goal
How to prevent SIM swapping
Money Avoidance
Does Apple TV+ allow password sharing?
Can you collect Social Security divorced spouse benefits and your own retirement benefits at the same time?
Your car is a taxi cab and your primary tool
Use a credit utilization calculator
Other first-time home buyer resources
When to use a credit freeze
Credit report
Types of second mortgages
Oklahoma first-time home buyer programs
Other tools to check your financial health
Put your information to work
How much will paying off my credit card benefit my score?
Advantages of a transfer on death deed
Ohio first-time home buyer loan programs
What’s being done to bring about change
What is a soft inquiry?
Don't wait too long to consider bankruptcy
TransUnion credit freeze by postal mail
1. Timeshares don't have to be for life
Mausoleum costs vs. gravesite costs
What to do if you can't catch up on your bills
How is PCE calculated?
Why do buyers seek pocket listings?
What is the Target Circle™ Card (the plastic one)?
Uber insurance requirements
CalHFA first-time home buyer loan programs
Myth 3. A credit check won’t impact your score
What is a will?
Should you tip all kinds of massage therapists?
2. Try to keep most of your credit limit available
What to know about working in the gig economy
How to negotiate lower bills
Types of financial power of attorney
3. Credit card
Diversify your rewards
Work accommodations for scoliosis
Renting could help you tap more equity
3. The Camelizer
Money talk is difficult for some, but a necessary premarital task
Alternatives to Do Your Own Will
How to apply for HAF
Community property states vs. common law states
How to know who your mortgage servicer is
What triggered your decision to get out of debt?
Carrying a balance is costly
Biden and Congress eye junk fees
How to plan your kitchen remodel
How can I re-apply for SSDI benefits through the five-year rule?
‘I wish I had more friends’
Don’t let cash pile up
4. Amusement park tickets
Contact the companies involved
Step 3: Research the top places to make money online
MassHousing highlights and eligibility requirements
Is the CHOICERenovation loan right for you?
3. Make it low-maintenance
Use tax-advantaged benefits when you can
Simplify subscription and membership cancellation practices
Be wary of texts, calls or unsolicited requests
Gen Z’s unemployment outlier
Dynamic pricing is fairly common
How much do Uber drivers make per hour?
How much do estate sale companies charge?
Responsibilities of an attorney-in-fact
What are the steps for getting a POA in Virginia?
Fewer accounts moved into delinquency
Retirement savings plan: 3% to 10% of salary
A balloon mortgage could be hard to find
How does Social Security work?
What are the tax implications of JTWROS?
Put the details in writing
Not paying taxes as you earn the money
Even costly repairs make sense sometimes
Alternatives to closing a credit card
How to create your monthly budget calendar
What experts say about Biden’s economic plans
How might FICO 10 affect your score?
Other ways to contact a real person at the Social Security Administration
Disadvantages of using next of kin for estate planning
What types of bipolar qualify for disability?
Help a neighbor in need
5. Buy the Sunday paper (for coupons)
3. Think about medical needs
Where driver minimum wage rules are already in place
Commit 20% to savings and debt repayment
But home prices won’t fall much, if at all
Different levels of coverage
‘If I claim benefits early and invest them, I’ll come out ahead’
Why checking your credit is smart
'Don't miss this opportunity'
About payroll taxes
3. Unemployment is low among all tracked races and ethnicities
Why does it take so long to get paid?
What do pay transparency laws require?
Buyers would set their agents' pay
Understand the risk
5. Downsize your plan
How exactly does early retirement reduce my Social Security benefit?
Not being able to get approved for a credit card
What’s excluded from SGA?
When will the government shut down?
What else is in the Project 2025 playbook?
Track your payments carefully
Why your tax basis matters
Apply for mortgage forbearance
Maximize your down payment
Why Google Voice?
Appoint your ‘digital executor’
Home prices are rising more slowly
How much do Lyft drivers make?
3. Decide if you’ll rent to friends or strangers
How do you make money on TikTok Shop?
4. Redeem rewards
How much does Babbel for Business cost?
Why the rule against perpetuities matters
Comparison shop in advance
How to buy a bank-owned home
Baking supplies and real maple syrup
Can I be arrested for debt?
Creating a New York power of attorney step-by-step
Products you should buy in bulk
What to carry only occasionally
Step 3: Understand when it’s OK to feel guilty
Our take on 401(k) waiting periods
Consider in-store shopping for single items
Buying and budgets in 2024
Types of loan modification programs
3. Research before you buy
Unload debt that’s dragging you down
When one spouse dies, a Social Security check ends
Make more of what you spend
Skip: Clothes you want to fit well and feel comfortable
Planning for occasional, but essential, expenses
How to check your credit reports
How mortgage forbearance works
Skip: Lawn mowers
2. Set financial priorities
Frozen foods
Prices dip ever so slightly
Consider language choices carefully
Benefits of a GRAT
What services could shut down?
4. Open a high-yield savings account
More expensive debt
Understand why your spouse has bad credit or no credit
Focus on listening
What are the steps to overriding someone else's power of attorney?
A backup plan for those without emergency savings
Who pays for escrow services?
Does raising the minimum wage cause inflation?
Is there an upside to keeping a loan?
3. Homeownership requires more ongoing work
Eviction bans are ending, financial fallout isn't
Consolidation a strategy, not a cure
Mortgage selection tips
How much more will you need to retire?
Cash-out refinance requirements
Are identity theft protection services worth it?
Will your disability benefits change when you turn 65?
Keep sales tax holidays in mind
Home list prices dwarf incomes
LegalZoom's will maker benefits and drawbacks
4. Search a coupon database or app
How much can you make while on Social Security Disability Insurance?
Should I choose a home equity loan or a HELOC?
International roaming: prepaid
Tips to make price matching smoother
Understand your budget and your payment options
Rules for refinancing FHA loans
What is a home equity line of credit (HELOC)?
Claim Social Security before or after retiring
Rental website data has shown rent growth slowing for some time
Cons of using a real estate agent network
What proof is needed to get a Prime Student membership?
Build credit without debt
How the second SSI payment will be paid
How to build your credit to good and beyond
How to calculate your net worth
Why ADLs matter
Does Disney+ allow password sharing?
3. Build a budget that works for your expenses
Goodwill letter template
The economy negatively impacting outlooks
3. Gather quotes from providers
How many devices can you stream ESPN+ on?
Higher rates hamper inventory recovery
For some items, wait for October
Advantages of putting a house in trust
Explore ways to cover costs
3. Use home buyer assistance programs
GoodTrust benefits and drawbacks
4. Skip the phone upgrade
3. There’s a mistake in your credit report
Is buying a condo a good idea?
4. Explore alternative accommodations
4. Successfully answer security questions
Two kinds of reverse mortgages
1. Buy a big (and I mean really big) boat
Calculate your DTI
You're receiving back payments
How to set up a GST
How does Audible fit into your budget?
Money move 2: Make it harder to buy things online
Another system
What do you need to do?
3. Compare your 401(k) to an IRA
What about the shortfall?
5. Play a game outside
Manufactured vs. modular homes
Black Friday
What isn’t counted as an asset or resource?
Hiring a home inspector
Tax implications of a bequest
You can't live there safely anymore
Home equity loan interest
What’s going on with layoffs in tech?
Our take on switching banks and high-yield savings accounts
How to manage shrinkflation
How to calculate property tax rates
Can your Uber fare change?
5. Receive better car and home insurance rates
Sellers' qualms set a floor under prices
5. Dine on national days
Why financial goals matter
What’s included in a severance package
How much are children’s Social Security survivor benefits?
Fixed expenses examples
Credit references for borrowers
Your time frame for rate shopping
Get help from experts
Show you're serious
4. Team up to buy in bulk
How ADUs are like swimming pools
2023 Railroad Retirement Board Tax and Contribution Rates
How to plan a wedding on a budget
Starter home vs. forever home
Types of solar batteries
What accounting documents does the executor need to keep?
Additional cost considerations
2. Spend any unused commuter benefits
Should I try to get rid of closed accounts on my credit report?
Amazon Shopping
Try curbside pickup
Do delivery fees go to drivers?
How is a FICO score calculated?
How to dispute your TransUnion report online
Adding an emergency savings plan
Do you have to tip a valet?
Payment decreases from continuing to work
What happens during a recession?
Steps for getting a POA in Washington state
Which taxes might come into play
How does Apple Music fit into your budget?
Disadvantages of concierge medicine
Make sure the money is safe
What can be done to fix Social Security?
How much are you willing to pay for convenience?
How to cancel subscriptions on your iPhone or iPad
Don’t splurge with your tax refund
Most of Gen Z has some financial support
Plug in the numbers
Zero in on food
Why ‘pay for delete’ is becoming outdated
Earn extra money
Your credit report for all to see
Are big sales the best times to buy stuff?
Alternatives to Rocket Lawyer
2. Budget earnings to last
It’s not all about choice
Questionable uses for HELOCs
When did stagflation last occur? What's different today?
Filing Chapter 7 after a Chapter 13 discharge: 6 years
More than half of Americans are worried about hurting their credit
What day is my October 2024 payment coming?
Find ways to lower the cost
Authorized user status might not be enough for future lenders
Getting information from the collector
Other helpful resources
What midsize counties have the lowest climate change risks?
Working with your lender
How should I organize records?
How much disability does PTSD get?
5. Borrow with your library card
How to make this a habit, not a passing trend
Identify one area for change
Plan at your own pace
Our take on saving enough for retirement
As for the advice — it’s a ‘mixed bag’
How to safeguard your 750 credit score
Focus on what matters
Don't get in the home inspector’s way
Skip: Decorations
Shop for a mortgage
Is IdentityForce worth the price?
Buy: Halloween gear
How this situation plays into the recession conversation
3. Do a wedding budget breakdown
Who qualifies for Social Security survivors benefits
Follow up with an accountability buddy
How do annuities work?
3. Buying in 2022 will still be tough
Some who could spend more don’t
Why do I need to do HECM counseling?
4. Failing to plan for long-term care
If your credit score is lower than 700
Chapter 13 bankruptcy
Is Rocket Homes the same as Rocket Mortgage?
Live purposefully
3. Search for foreclosed homes near you
Keep fixed expenses low
When your ex is dead: Divorced survivor benefits
Our take on catching up on retirement savings
Without providing details, you'll get an if/then answer
3. Act quickly when it comes to repairs
Find the method that works best for you
Who should be your health care proxy or medical POA?
Quitclaim deed tax implications
What does a home warranty cover?
Commuter cost-saving strategies
Strategies to build your 695 credit score
Is a QCD better than a charitable deduction?
2. Don't apply for credit too often
Pros and cons of Ticket to Work
How debt affects finances when you have chronic pain
Many with elevated credit scores are using them
Paying off a collections account could help you in other ways
Credit card debt
Look for extra income and cash
How do you start a budget?
4. Sell stuff online
3. Make a plan for the down payment
Child care eats up a significant percentage of income for many
Experience and expertise
Help with specific purchases
First-time home buyer benefits and programs
Learn your triggers
General furniture-buying tips
How combined disability ratings are calculated
Median down payment by age
3. Build your network of tradespeople
How much is YouTube Music?
Slowing down the shopping process
How did you increase your payments?
What is the CFPB?
Who is tenancy in severalty right for?
How to place a fraud alert
Preparing for another breach
Track spending
What’s included in a Gold’s Gym membership?
Types of wills
3. Get a comparative market analysis
How Social Security retirement income is taxed
How much do full-service shoppers make?
2. Build a money management blueprint
Certificates of trust by state
SSI vs. SSDI: Key differences
How many people can use Peacock at once?
How much do DoorDash drivers make?
Price items for profit
4. Treat Europe like a theme park
The venue (average cost: $5,761)
When to opt out (or not join)
3. Find ways to increase or supplement your retirement income
The difference between earned and unearned windfalls
Decide what’s really important
Space out credit applications to minimize impact
Check your debt-to-income ratio
Disadvantages of a reverse mortgage
When you need to contact all bureaus vs. just one
How to avoid voluntary repossession
Upgrade your home
Can you get a mortgage after foreclosure?
How fast are wages growing?
How much more will I get if I put off retirement?
How to get a fixed-rate HELOC
4. Get down payment assistance for a home
Programs that use the federal poverty level
7 types of identity theft and the warning signs
2. If a collection is on your report in error, dispute it
2. Consult legal help
Revocable living trust vs. will
Long-term mortgage assistance: Loan modification
Make a plan for your time
What strategies did you use to pay off debt?
Ignoring financial stress is ‘like bailing a leaky boat’
How much is YouTube TV for 1 year?
Choose the least expensive high-interest debt
Don’t sell stuff
Can a nonworking spouse get benefits if their working spouse hasn't yet filed for Social Security?
5. Health and beauty supplies
Put your wishes in writing
How can I bridge an income gap if I retire at 55?
Preparing to quit your job without another lined up
If you are starting with bad credit
Buying a manufactured home
3. ShopSavvy
8 common mistakes in DIY wills
How do taxes on tips work?
Strategies to keep building your 710 credit score
Does debt collection affect your credit score?
Does an employer credit check hurt your score?
What’s the best way to leave a tip?
Seek out new perspectives
How to avoid property transfer in probate
Advantages of pour-over wills
How much can the windfall elimination provision reduce my Social Security benefits?
Develop a healthier relationship with money
Your financial plan has been stress tested
1. Make a game plan
Skip: Sporting goods
Median income by city: 2021
Respond to the lawsuit
Employers are looking to adopt and adapt AI
6. Bundle cable and internet
How to plan a celebration of life in 10 steps
The burden of medical proof
How to lower your electric bill
Breaking down the cost to paint a house
How much does a Peloton membership cost and do I need one?
Who is affected by a government shutdown?
Legatee vs. heir
Inflation is the wild card
Other reports you’re entitled to see
Slash variable spending on entertainment
Make sure you have access to credit
How to dispute your Equifax report by mail
U.S. economy causing Americans to feel worried, stressed
Decide each card’s fate
Do I need a disability lawyer?
What makes an energy-efficient home different?

In-demand jobs that pay the most money
Talk about the kids
Share tips on day-to-day life and long-term planning
Ask for help if you need it
3. Decide what to do with the remaining stuff
How financial planners estimate life expectancy
Can you describe the process and timeline?
4. Dress smart
Would this rule apply retroactively?
How to multitask
Is earnest money refundable?
3. Side businesses change the tax approach
What’s at stake in the SCOTUS mifepristone case?
What is the difference between estate administration and an executor?
2. Pay it off in one lump sum
Create a money-making strategy
Defend your credit
Things to consider when writing a will
Uplevel your financial knowledge
Charitable lead trust vs. donor-advised fund (DAF)
Reason No. 2: Rising interest rates
Have I named the right trustees?
What programs would continue?
Updates to the FDCPA rules
The single-family home rental market still lags
3. Automate what you can
Conduct a body check-in
Grantors and grantees in estate planning
Why the distinction between real and personal property matters
Top off retirement contributions
How to fix re-aged debt
What do you suggest for impulse spending vs. a payoff much later in life?
What renters can do
Get a secured credit card
You're protected from harassing or abusive practices
VantageScore 4.0
What you can do about wage garnishment
4. Learn your store’s coupon policy
Maximize your exemptions
5. Visit retailer websites and apps
4. Parks and beaches
Talk about the gaps
Is the debt avalanche method for you?
How does a COLA apply to Social Security payments?
3. Comparison shop between brands (the discount ones aren't always cheapest)
How to pay off a mortgage early
What do you tip if you’re unhappy with the result?
How the federal funds rate impacts prices
Potential issues with having multiple credit cards
4. Wait for a promotion
What happens when you get your car repossessed?
Maintain control of the conversation
Is Amazon Prime Reading the same as Kindle Unlimited?
Beware the Social Security tax torpedo
2. The kids' names shouldn't be on the deed
When should I close my credit card?
Give it away
If you left a retirement account with a previous employer
Is a HELOC a good idea?
What to know about car loan shopping
5. Cash in on discounts
What is covered in a first-time home buyer class?
Option 2: One ex keeps the house
RMD penalties
Does Hulu allow password sharing?
Reasons to buy a house with cash
Lock in fixed rates on debt
How to calculate debt-to-income ratio for a mortgage
How to become a virtual assistant
FAQ about freezing and unfreezing credit
How to reduce your dog grooming bill
Should you sign up for Target Circle?
Bring your own phone to Visible, or buy one
Get familiar with common scams
Buy: Christmas decorations
What you’re buying won’t outlive the debt
Cons of a condo vs. a house
Lottery payout options: Annuity or cash?
When is an appliance or system covered?
Approval can lower credit age
Taxes on SSDI back payments
3. Get a secured credit card
What if I think the Social Security Administration is wrong?
6. Volunteer
Requirements for a Florida power of attorney
Follow-up email template
Coping with rent increases and other uncertainties
Frugal entertainment tips
Why do lenders sell mortgage loans?
Who isn’t eligible for SSI?
What is a FICO Auto Score?
Next steps: Learn more about VA disability benefits
How AI is used in hiring
‘I wish we hadn’t bought that house’
Varieties of ADU loans
6. Take a survey
CPI vs. PPI
4. "You owe money that has to be paid immediately."
How to apply for Social Security spousal benefits
Stop companies from masking bad reviews or creating fake ones
How to improve your credit mix
House size, style and features
What happens if you don’t tip?
Documents you’ll need to replace a Social Security card
Where can I get a power of attorney form?
2024 Railroad Retirement Board Tax and Contribution Rates
Tenancy by entirety vs. joint tenancy with right of survivorship (JTWROS)
3. Build an emergency fund
Track expenses
Few retirement plans help with payout strategies
3. Get checkups, refill prescriptions
Do you have to tip in cash?
6. Avoid online grocery shopping
How to get started
How to get a power of attorney in Indiana
‘I have to claim Social Security as soon as I quit working’
What factors affect your benefit amount?
Objecting because of financial hardship
5. Claim freebie deals
Negotiations would be more complex
But it can also be bad
5 ways to make money on Instagram
Planning can help reduce the penalty
What has Trump said about Project 2025?
Use the right gas credit card
What is a VA combined disability rating?
Ready to buy?
Budgeting for both needs and wants
When it’s best to hire a home improvement contractor
Some optimism could be unrealistic…
3. Student loans
Set a date to review your plan
Safety issues
3. Donations
Evaluate the 'comps'
State taxes on disability income
If you currently own a home
How to be socially conscious without spending a dime
Give yourself the chance to make a choice
If the other options don’t work: Update your address in person
How did personal income change in Q2 2024?
Mortgage payments vs. rent
July PPI report
3. Set an offer price
Take a close look at spending patterns
Unseasonal scarcity in the second quarter
The risks of buying tradelines
Closely review all charges
3. Build credit
Buy: Older iPhones
Buy: Major Appliances
Keep your pantry well-stocked
Haggle respectfully
Don’t expect an emergency savings plan at open enrollment
5. Assuming you can work longer
Why are actors striking?
How can I monitor my credit with NerdWallet?
What happens after you override a power of attorney?
Best retirement age for women isn't just about money
4. Know your financing options
Use your leverage
Nurse resignation letter example
Do all workers earn at least the minimum wage?
What you can do to fight back
Who can get a death certificate?
4. You’re not convinced it’s a good investment
Tips for navigating the Ticket to Work program
Choose the term that works best for you
Allow for pop-up expenses
2. Apply for a medical credit card
Other credit score factors you should know about
For sellers
5. What is the annual percentage rate?
Stacking up wins
You might get a builder warranty
Be strategic about clothing purchases
5. Factor in fees
Try paid products for more support
How long does a credit freeze last?
Money Vigilance
Can you have too many sinking funds?
Does age affect your credit score?
Collect the right tax forms from your lender
Ways to get the best home equity loan rates
How to prevent someone from contesting a will
Do you include a 401(k) in a net worth calculation?
Open your own checking and savings accounts
Missouri home buyer assistance programs
The Federal Trade Commission’s budget worksheet
Why tracking debt matters
Keep an eye on your progress
What is credit used for?
Rules for refinancing VA loans
What happens when mortgage forbearance ends?
Disadvantages of transfer on death deeds
Set yourself up for next summer
How much will you need to retire?
Things to consider when looking into a home warranty plan
Why is net worth important?
Does Experian Boost actually build your score?
Where do the credit reporting bureaus get their data?
How to measure ADLs
Fomentar la independencia económica
Goodwill letter vs. credit dispute letter
Who benefits from becoming an authorized user?
TransUnion credit freeze by phone
Keep watching prices even post-purchase
How to start a zero-based budget
4. Ask the seller to finance the purchase
Avoid credit bureaus' products
Fubo add-ons
How to pay off debt and help your credit score
5. Pick a different neighborhood
5. Generate your credit report online
Why checking your own credit is smart
How credit utilization affects your scores
TDIU qualification examples
Inventory steadily low
3. Negotiate with your internet provider for a better deal
What you may not want to do with a will
For those worried about layoffs, what is your advice about starting a side hustle and ensuring long-term job security?
Then get a baseline of your expenses
How are state labor markets doing?
1. Derogatory mark: Missed payments
Stay invested
Borrowing gets more difficult in Q1 and beyond
Some prevailed in 2021, despite the challenges
What you'll need to apply for Social Security
Waiting until after full retirement age to claim benefits
How I dug out
Layoffs spiked among tech companies in 2023
Should you use bill negotiation services?
4. Home improvement loans
4. CouponCabin Sidekick
Is HelloFresh worth it?
Community property laws by state
When a payoff isn't possible, minimize the mortgage
Other perks that come with a membership
Who to contact for more information
Should you tip an Uber driver?
Pros and cons of choosing a HELOC
6. Skip utility deposits
Can you qualify if you're divorced?
A once-a-year conversation at tax time isn't enough
$46 million on nonbank money orders
Is Aura worth the price?
Make the friendship bracelets ... and buy a shirt
What does amortization mean in a mortgage?
Requirements for LIHEAP
How Paramount+ fits into your budget
4. Make it more efficient
Credit references for employment
What to look for in a new budgeting app
5. Shop on tax-free holidays
What might reverse these positive trends
Pros, cons and differences
Other options for joint ownership
What type of bank is best for a trust account?
Keys to a higher score on the FICO 10 and 10T
Myth 3: Willpower is a limited resource
Rotate subscriptions
Next of kin tax implications
How likely is it that the SSA will approve my SSDI application?
New job out of school
4. Plan for the kids
How to stop spending money on food
Keep your inventory safe — and updated
What if the executor is taking too long?
Which states have pay transparency laws?
Plan to spend it wisely
Income schemes that seem too good to be true
Not knowing how to build your credit score
How much does credit repair cost?
Money misconceptions and where they might come from
Who is eligible for a representative payee
How to write a ‘pay for delete’ letter
How long does it take to get SSDI?
Consider consolidating your debt
Build up savings
How to get paid
Do window upgrades enhance home value?
Apply for loan modification
How do you become a HNWI?
The scam’s not new, but it’s hot
Hopefully, closer to the end than to the beginning
Will I pay more at the register?
What could have happened if the U.S. defaulted?
Filing Chapter 13 after a Chapter 7 discharge: 4 years
4. Know what to charge
How to start a TikTok Shop as a seller
5. Become an influencer to get free clothing from companies
Evaluate your payment options
Ask for equal pricing
Average gas price per state
How much does it cost to make a will without a lawyer?
Is there a maximum amount of debt I can take on?
What should I do if my DTI is too high?
Avoiding penalties
Is Honey available as an iOS or Android app?
Buying a FSBO home on your own
Why did you decide to build your home?
5. Volunteer
4. Learn sales cycles
Avoid exchanging money
Will there be exceptions to the rule?
Business owners may be hurting their benefit amount
Don't be afraid to negotiate with the seller
Mindful spending
Even if you say no, keep the door open
Disadvantages of a bypass trust
What is Bare Minimum Monday?
Bonus: Tacos and desserts
How to handle high prices and recession talk
2. Create a clean, professional environment
Decide if HOA fees are affordable and worthwhile for you
Recalibrate and celebrate your progress
The one (or two) credit card solution
Where to find a queer-friendly real estate agent
What else could be disrupted?
5. Use your credit card benefits
Working with a Rocket Homes partner agent
Consider a 'what-if' scenario
Households experiencing financial hardship
How do I apply for a Flex Modification?
How you’ll do it
Confusing notices leave many disqualified people in limbo
Quitclaim deed vs. warranty deed
What is an escrow account?
4. Plan for taxes
Don’t worry about the rest
3. Tailor your application materials
Paying for home improvements
2. Consider debt consolidation
Why is there an egg shortage?
5. Housesit
Florida theme parks
What factors determine your credit limit?
Game apps that pay real money: before you play
Advantages of inter vivos trusts
How does the cost of Apple TV+ fit your budget?
Set realistic deadlines
Is per-card or overall utilization more important?
Wipe out toxic debt first
4. Not checking credit reports and correcting errors
Pros and cons of family trusts
How to pay for a tiny house
Cons of reverse mortgages
How do streaming services fit into your budget?
What to do after a repossession
Exceptions to the windfall elimination provision
How much funding does the CFPB receive?
What to know if you take online surveys
Can Disney+ fit my budget?
What happens if Chevron is overturned?
Benefits of recasting a mortgage
3. Heirs can disclaim the timeshare
How to get medical bills off credit reports
Disadvantages of putting a house in trust
Consider the community
Build up your own credit
4. You’re a victim of identity theft
Is Peacock worth the price?
My house was destroyed. Should I keep paying the mortgage?
How does Hulu fit into your budget?
How to find your child’s Social Security number
Pros and cons of buying an investment property
Advantages of assumable loans for sellers
You could save by changing your home loan's term
Adjust phone and app settings to save data
How much do Uber drivers make?
Leverage community resources
Dispute hard inquiries that don't belong to you
Mistakes to avoid
What is a trust?
Warranty deed requirements
Need more information?
Limited usability, limited services
How to plan a burial at sea
4. Get a credit-builder loan or secured loan
6 ways to set financial boundaries
7. Visit the farmers market
How is a modular home built?
How to prioritize goals
Key consideration: Survivor benefits
Sales will happen early and often
You want to be closer to family
Discount points
4. Find a budget that works for you
How does a will work?
What to complete before re-filing for SSDI benefits
Build a strong foundation
Your U.S. credit score won’t follow you
New CHOICERenovation provisions
Use a case manager
Crackdown on customer service chatbots and A.I.
How to budget for variable and fixed expenses
Buy or skip: Amazon devices
How are estate sale items priced?
4. The Coupons App
Budgeting with your partner
Rent it out
Ignoring retirement savings options
Easing the environmental impact
Can you hire someone to do the estate accounting for you?
Block negativity
What you can learn from your budget calendar
Don't skew your view
When wanting to sell means having to buy
A guide to covering the basics
What happens if you can’t afford to tip a valet?
Graduate student worker strikes in 2024
How to reduce your risk
Looking ahead, rather than back
Getting ready for a recession
Nevada first-time home buyer loan programs
How to check your credit score without hurting it
Buy: Winter apparel
Misinformation
Borrow for the right reasons
It fits your budget
THDA first-time home buyer loan programs
7. Negotiate a lower rate
Continue to learn and improve
Keep your liabilities under control
Adjust your expectations
When will prices come down?
Go electric
Offer more earnest money
How can you shop Prime Day smarter?
Things to watch out for
Builders sell homes at lower price points
Pros and cons of refinancing a home equity loan
How does Babbel fit into your budget?
Tax implications of the rule against perpetuities
What most populated counties have the lowest climate change risks?
Step 4: Explore your motivations around holiday spending
SSDI benefits for your family
6. Share a friend's or relative’s account
Retirement funds hold most assets
How to calculate your liquid net worth
Can a retired person file for disability benefits?
'Splurge' smartly
Buy: Batteries, cables and phone cases
Big credit score swings
Shop: Amazon Prime Day
What is the difference between an estate administrator and a trustee?
Why is adoption so expensive?
Create a concrete safety plan
Be straightforward about financial hardships
4. Current home prices could bust budgets
How much can I borrow?
Consider the past 12 months
Comparing and matching prices
Chapter 11 bankruptcy
Make plans for long-term care
You may need to call your ex
Find your own calming techniques
Set time limits and give yourself breaks
Get ready for 2022
Who uses VantageScore 4.0?
How do you think the culture of saving influences how second- or third-generation Asian Americans manage money?
3. Raise your credit limit
3. Consider other credit options
Find a payoff method you'll stick with
Know your priorities
Bolster your savings
How to get a VantageScore
Money is collaborative
6. Make your will official
6. Check the Sunday newspaper
5. In the street
How do you freeze your child’s credit?
Alternatives to a cash-out refinance
Qualifying for a second mortgage
Now consider everything else
Look for ways to reset
Why has my VA disability benefit changed?
Rules for refinancing USDA loans
How cash-out refinances and HELOCs are similar
2. Gather materials to dispute errors
Try a simple budgeting plan
4. Secure your financing
Address reasons cited in adverse action letter
5. Pick a payment plan
Grow credit with good habits
Was it difficult to make those cuts?
Be prepared for the response
Can I lift a fraud alert?
What comes with a 24 Hour Fitness membership?
Getting a loan for a co-op
How long does a late payment stay on my credit report?
Ramp up savings
Lifting a TransUnion credit freeze
How to give the gift of ESPN+
Freezing your Experian credit report via postal mail
4. Hire a professional appraiser
A few tips about giving gift cards
It's possible to combine relief options
6. Add lines
Beneficiary notification methods
Am I eligible for a reverse mortgage?
Inflation isn’t all bad
Overspending is common, despite monthly budgeting
5. Prioritize flexibility
PCE vs. CPI
Why would a seller choose a pocket listing?
Is Visible phone service right for you?
Example of an appraisal gap
Skip: Leaf blowers and string trimmers
Utah first-time home buyer loan programs
How to file for Social Security retirement benefits
How to choose the right budget system
When voluntary repossession makes sense
Create more income
Money move 3: Pick an approach to pay down debt
Changes effective April 8, 2024
Consider a home equity loan
What to do if you aren't eligible or aren't approved for HAF
I got a mortgage preapproval
3. Decide on your course of action
Other factors can help you buy a car with bad credit
How much will a real estate attorney cost?
Does YouTube TV allow password sharing?
Don’t pass up forbearance options
6. Streaming services
Consider a credit freeze or extended fraud alert
7. Leave room in your budget
CPI vs. PPE
How to pay for a funeral
Plan your talking points
What is the difference between a successor trustee and a trustee?
Older adults are the biggest target
How to apply for children’s Social Security survivor benefits
Decide whether it’s a good fit
Underemployment is still high among recent grads
When can’t you rate shop?
In future relationships, talk about money early
Dynamic pricing can be effective
Average monthly expenses that increased year over year
Some doubt the likelihood of a sale or ban
How to remove or replace an attorney-in-fact
6. Practice and teach thriftiness
How much does it cost to get a power of attorney in Virginia?
How do you set up a QTIP trust?
Everything else: Zero to thousands
How much does Social Security pay?
4. Brainstorm ways to increase income, if needed
What are your legal rights?
Reasons for garage door replacement
3. Before you shop, take inventory
4. Investigate vacation, sick leave
What does 'account closed' mean on a credit report?
The Fed keeps the economy on a diet
Disadvantages of pour-over wills
Boost your payoff dollars
Who does the windfall elimination provision affect?
7. Calculate your burn rate
When possible, contact the hiring manager
‘I need to apply before Social Security goes bankrupt’
How to change your Social Security number
Who might consider concierge care
Frozen turkey prices
How to cancel subscriptions on your Mac
How is my Social Security benefit determined?
Don’t misplace your money
When to wait to get a HELOC
What’s involved in the probate process?
What about savings from energy-efficient windows?
Build more savings in a high-yield account
How employers can counteract the temptation to cash out
Explore other ways to make money
5. Use a written lease
How much does a Crunch+ membership cost?
Unexpected attractions
Misconceptions about the economy abound
Some have barriers to improving credit
If you're self-employed
Strategies to keep building your 690 credit score
Other advance directives

Other ways to avoid repossession
How do you install the Honey extension for Chrome?
How did GDP in 2023 compare to recent years?
Watch out for scams or inaccurate information
'Zillow for health care'
How to get a mortgage loan modification
4. Social Security may be taxable
How can you improve your relationship with money?
Bonus: Coffee and a cheeseburger
International foods
Talk through your financial priorities
Lean on your community
Space out expenses
Searching for the right house
GRAT caveats to keep in mind
6. Putting off retirement too long
Strategies to keep building your 720 credit score
Are the paid My Best Buy memberships worth it?
3. Decide when to start receiving Social Security
4. Make a competitive offer
5. Consider doing it yourself
How to prepare a health care proxy or medical POA
Other items you may want to bring to your interview
Tips for secondhand gifting
Credit misconceptions may lead some to not understand changes
Rebuilding after bankruptcy
TaskRabbit jobs to consider
Align your spending and values
Goodbudget, for hands-on envelope budgeting
What to do when you get a garnishment judgment
How opening a new card can help your credit
Compare identity theft protection services
Do you have to contact anyone to switch from SSDI to Social Security?
Reuse, recycle
Alternatives to LegalZoom’s will maker
Money Status
How to get a home equity loan
Compensation that fits your case
Can your ex's current spouse collect spousal benefits if you do?
Consider a “slush fund” for car costs
Are sinking funds right for you?
When to use a credit lock
Net worth calculator
Resist the urge to buy everything immediately
Prepare for additional supervision and appraisals
Types of credit
Alternatives to a transfer on death (TOD) deed
Know when the HELOC draw period ends
Understanding the appraisal process
Hard credit inquiry or soft inquiry?
Is YouTube Premium worth it?
Who pays for a home appraisal?
What was the case against the CFPB?
Prime Reading vs. Kindle Unlimited
Programs in the Florida Panhandle
How do you sign up for a Sam’s Club membership?
Tips for avoiding late payments
4. Select a casket or cremation container
Does Max cost the same as HBO Max did?
Making money with Wag
Keep it simple
How much does a Gold’s Gym day pass cost?
Does the cost of FuboTV fit into your budget?
Finding the right condo for you
6. Use your affiliations
Other notable required minimum distribution (RMD) rules
Alternatives to spendthrift trusts
Qualifying for a HELOC in retirement
Do you get paid on Pinterest?
How to rebuild credit after repossession
Sling TV extras
Is inflation going down?
Getting started
5. Find tax credits for health insurance
8. Go thrift shopping
How to apply for SSDI
How to budget and save
What are the alternatives to foreclosure?
5. Capital One Shopping
Some engaged Americans are having regular money fights
5 ways to limit impulse buying
Consider alternatives
Ways to lower your water bill
How else did you free up money for debt paydown?
How to pay for a new deck
How to pay property taxes
How to fit Uber into your budget
Taking surveys
7. Get a job
‘I wish we’d talked about our expectations for retirement’
Can you receive benefits if your working spouse dies?
Average prices relatively stable, but some metros stand out
Borrowing from equity
Recovery and inequality
Is the debt snowball method for you?
How to calculate Social Security spousal benefits
Choosing a manufactured home lot
Improve health care coverage customer service
How much is severance pay?
Upgrade your cyber hygiene
When does it make sense to hire a lawyer to make your will?
Keep your future self in mind
How to check your own credit references
Types of solar shingles
Documents needed if you're changing or correcting your Social Security card
Walk away (or file bankruptcy)
Who is eligible for RRB benefits?
Loans and financing
What is an HOA fee?
Have an exit strategy
How to look good no matter what score lenders use
Ask for discounts
Kentucky Housing first-time home buyer loan programs
How to dispute your TransUnion report by mail
How to make money as a Twitch Affiliate
6. Refer a friend
Don’t bank on it
How much are you willing to pay for variety?
8. Seek out cheap cable
Have a thin credit file? Become scorable
My total earnings
Set a budget and negotiate if you have older kids
Compassionate allowance
Relish the challenge of being frugal
When was the last government shutdown?
Build in rewards and new traditions
How to reduce your gains
3. Plan to pay taxes
What is bad debt?
Explore other ways to get your child credit-ready
Types of power of attorney
Discounted gift cards
Will bankruptcy erase all my debt?
How to find an energy-efficient home
Should your phone be your wallet?
Social Security disability benefits pay chart for 2024
Thinking about your legacy
What to look out for next
Housing Choice Vouchers
Immediate resignation letter example
Automate savings, with manual tweaks
Budget for repairs and maintenance
How to budget with your partner
Consider the resale and inheritance implications
DSHA first-time home buyer loan programs
Know when to seek a safer route
A little planning can go a long way
Reason No. 3: Bigger jackpots mean more tickets sold
6. Shop smart
There may be fewer new construction projects to come
What a 705 credit score can get you
Why death certificates can be helpful
4. Make rent and utility payments count
During the walk-through
Ways to cope with debt when you have chronic pain
What steps did you take to reduce your debt?
What would Harris or Trump do for the economy?
5. Make a shopping list and use apps for more savings
Factor in other costs
What to do once your Equifax credit freeze is in place
List prices up, in some cases dramatically
Some parents are taking or took steps to reduce child care costs
What a good credit score can get you
Take advantage of savings programs
6. Libraries and museums
Encourage savings
Disadvantages of inter vivos trusts
3. Think 'SMART'
Tackle debt to save on interest
How to qualify for first-time home buyer benefits
How do you find out how much equity is in your home?
4. Leverage memberships
How to maintain your credit score
Average down payment by state
Should you get a home equity loan or HELOC?
Rules for refinancing jumbo loans
How long does mortgage forbearance last?
Top rental increases and decreases in the U.S.
What does a Prime Student membership include?
How do you set up a lady bird deed?
How to increase your net worth
Boost vs. UltraFICO and eCredable Lift
Financial assistance for ADLs
Delaying Social Security benefits could trim your taxes
Things to remember about working while on Social Security
How fast does an authorized user build credit?
Sports that may fit your budget
Sales trends appear to normalize in 2022
Spread out holiday expenses
How to make money on Audible with affiliate marketing
How retirement income from annuities and pensions is taxed
Alternatives to GoodTrust
What to ask before buying a used iPhone
How to cancel an Equinox membership
5. Someone else used your credit card account
4. Bundle your services for a better combined price
2. Buy a private jet
Advantages of assumable loans for buyers
Use Wi-Fi (instead of cellular) to save data
Should you tip a dog groomer?
How to maximize earnings as an Uber driver
How to boost your score after a hard inquiry
Find out how much home equity you have
What if you’re unhappy with your massage?
What else affects my Social Security benefit amount?
How much should you spend on a mattress?
How to appeal a Social Security overpayment
5. Contractor financing
How to create a power of attorney in Florida
The pros and cons of paying yourself first
TV-buying tips
How to work HelloFresh costs into your budget
Frugal DIY project tips
How to contact your servicer
What internet speed do you need?
How much does a home inspection cost?
Mortgage assistance tips
Store copies in the cloud
$59 million on prepaid debit card fees
Massachusetts first-time home buyer programs
4. Target (with Target Circle)
Nongovernment benefits
What is an irrevocable trust?
OHCS first-time home buyer loan programs
What questions should you ask an estate sale company?
Managing credit cards in 2022 and beyond
What if you can’t afford to tip or choose not to?
Things to keep in mind
What happened at the first presidential debate?
Common sense to the rescue
Next of kin vs. power of attorney
Self-employment
What is a FICO score used for?
Other popular ways to make money in one hour usually come with a catch
More new construction of single-family homes
Net income for independent contractors
What it means for buyers and sellers this spring
Plan when to claim Social Security
Maryland first-time home buyer loan programs
Not being able to afford the deposit to open a secured credit card
How can I repair credit myself?
What is a Representative Payee Report?
How to improve your chances of receiving SSDI benefits
What has Harris said about Project 2025?
Eliminate mortgage insurance
How to choose a casket or coffin
How high is your net worth?
Should I buy now or later?
How do you solve a problem like the debt ceiling?
Is stagflation the same as a recession?
What if my previous case wasn’t discharged?
How to dispute your Equifax report by phone
Rollover your tax refund, too
4. Merchandise
Submit a 'Reconsideration of Value'
Products not to buy in bulk
Should you buy title insurance?
Alaska first-time home buyer programs
Some of the highest-paying jobs 'don't exist yet'
Current reads on the housing market
So should you follow advice from r/personalfinance?
What’s your overall approach to finance?
5. Look beyond the department store
Let go of shame and report the fraud
Find someone to encourage you
The best claiming age is different for everyone
When can the seller keep my earnest money?
Buy: Amazon bestsellers
How to maximize the benefits of shopping at Aldi
Inventory up, in many markets
5. Borrowing for a home isn’t a sure thing
Other resources for LGBTQ+ home buyers
Is my estate plan clear?
Does leasing a car build credit?
4. Reduce paper clutter
Keep your notes handy
Full retirement age – Social Security
How to maintain or regain Medicaid coverage
Keep financial details private
Grant programs in North Texas
Maximize employee benefits
VantageScore vs. FICO
4. Create a wish list
Get more help with monthly budget planning
You can finance through the builder — or any lender you choose
SSDI benefits and ADHD
7. Update as needed
How to file for Social Security divorced spouse benefits
Help them build their own wealth
How does a HELOC work?
5. Not having enough saved for a down payment
What is the cost of contesting a will?
Do you tip assistants?
What to do after you find a budgeting template
Pros and cons of per stirpes
Government mortgage programs for refinancing
Maintain and defend your scores
Find ways to stretch your grocery budget
What are your plans for the extra money you have every month now?
What happens if I cancel my Prime Membership?
Will making a partial payment keep me from being reported late?
The pros and cons of zero-based budgeting
What you need to work for Instacart
7. Update your service address
Know the limits of credit monitoring services
Where to find a bridge loan lender
Preparing for financial setbacks
Should you list the job on your resume?
What else you need to know
What happens if I stop mortgage payments without telling my servicer?
Spendthrift trust examples
Other tech tools to help you manage your money
What factors impact your credit scores?
4. Look for ways to decrease your retirement expenses
What to bring to a job fair
How to handle extra money
Eat: Cookies
Warranty deed vs. quitclaim deed
Inventory dips, but still a major improvement over 2022
Would-be seller concerns will keep inventory tight in 2022
Find small ways to treat yourself
When store cards are a good idea
5. Become an authorized user
4. Assess income strategies
6. Apply for college grants
Other low-income guidelines and programs to note
Power of attorney by state
9. Go for a walk
Modular homes vs. site-built homes
Pros and cons of HomeStyle renovation loans
Open your Etsy shop
You're prepared to create a new support network
Property taxes
How does Spotify fit into your budget?
Does YouTube TV offer offline viewing?
How AI could perpetuate workplace bias
When you owe more than the home is worth
A partnership works to the advantage of both
Is a successor trustee the same as a beneficiary?
The upside of quitting without a job lined up
How to use the CHOICERenovation loan
5. Make it bigger
Find your community
What's next?
How is severance pay calculated?
How much would no-tax-on-tips save a typical tipped worker?
Have a rate shopping strategy
How to deal with debt collection
Pros and cons of tenancy by entirety
How to pay for a garage door replacement
Take social media breaks
4. Don't shy away from frozen and canned produce
5. Sign up for health insurance
When can I start receiving disability benefits?
8. Follow your favorite brands
You know what you’re retiring to (not just from)
2. Shop intentionally and set a time limit
How much Social Security will you get at 62?
Skip (maybe): Tools and home improvement items
Beware of real financial risk
How to stretch your dollar at Trader Joe’s
What to do if you notice signs your boss wants you to leave
Establish credit before you're desperate
How to apply for VA disability benefits
How to create legatees
Lottery fever? Some folks forget to cash in
Pay off high-interest debt
Why HELOCs are coming back
6. Pay your taxes
What does this mean for your financial decisions?
Will there be extra Social Security payments?
How to get help paying your electric bill
How to find a disability lawyer
If you have a commission-based job or are working reduced hours
How are gas prices determined?
Rebuilding your finances after bankruptcy
No matter where you live, climate change will cost you
Work accommodations for PTSD
7. Check your app store for free downloads
Know before you modify
What a 700 credit score can get you
4. Decide how much earnest money to offer
Don't assume the home inspector can be held liable
5. State tax breaks may be available
4. Save for retirement
Freddie Mac and Fannie Mae mortgage assistance
4. Look for ways to save money
Invite kids to contribute
How long does it take to close?
Paying for purchases
Why are writers striking?
Chapter 9 bankruptcy
Resources for low-income households
Address your debt
Streamlined Flex Modifications
What it costs
What is the average VantageScore 4.0 score?
4. Follow up with the hiring team
Factors that don't affect your credit score
Look into debt consolidation
6. Write online reviews
What does available credit mean?
7. Check postal “junk” mail
7. Aquariums and zoos
When should you freeze your credit?
What is a good credit score for your age?
Cash-out refinance costs
Reasons to refinance
Understand how HELOC balloon payments work
When to take Social Security if you have a pension
Can other types of data help my credit reports?
Economic proposals in the DNC platform
Another good time to buy appliances: After a new release
5 things debt collectors can do
5. Choose the location of the interment or burial
Other ways to build credit
How does Gold’s Gym fit into your budget?
RetailMeNot
If you worked for the federal government
5. Don’t wait for a rate you like better
How long does it take credit scores to go up after paying off debt?
Prices up even when they’re generally lowest
Make an attractive listing
How many Pinterest followers do you need to get paid?
What types of long COVID qualify for disability benefits?
When is the PCE released?
2. Derogatory mark: Account charge-off
Are there upsides to partial payments?
Where to save
Special rules for the divorced
Finding a real estate attorney
How much will I get from SSDI benefits?
How to set up a trust
The bottom line
Don’t let Black Friday break you
Red flags that you're being scammed
Flag fraud attempts
Skip the accessories
How do you sign up for a Costco membership?
Average monthly expenses that declined
5. Santa’s Bag
Top solar shingles providers
QTIP trust vs. Grantor retained annuity trust
5. Consider housing alternatives
How long will a paid-off account take to show up on your report?
A billion bucks might do the trick
Shop around for insurance
5. Consider consulting a professional
What happens after you change your Social Security number?
Options for handling the hearing
7. Enter giveaways and sweepstakes
9. Cut the cord
Does it pay to delay retirement?
What I’d do differently next time
‘Not knowing what I’m doing wrong’
Don’t forget the little things
Tips for saving on house-painting costs
Is Peloton worth it? Pros and cons
Who needs to file for probate?
Save up for next time
Strategies to keep building your 715 credit score
How to pay for your new windows
If you're pining for 3% rates — they're not coming back
How to keep safe
How can you prepare for stagflation?
4. Applying for new credit
What happens next?
What you’ll need before refinancing
What you can do
Multifamily homes
Over-the-counter medicine
Socially conscious financial decisions, including charitable giving
Recognize emotional triggers
If repossession is inevitable
Step 5: Remember holiday pressure is normal
Be inclusive
6. Find dual-purpose products
What you can do now
What happens if you’re receiving disability benefits when you reach retirement age?
Why try Bare Minimum Monday
Grant programs in Chicagoland
Bonus: Ice cream
3. Settle the debt for less than you owe
Arrange to finance the purchase
Annuities taxes
7. Ask for a raise
Impact on home buyers
Cooling rents still aren’t showing up in inflation data
How to keep Lifeline
How can I build my score with NerdWallet?
Rocket Homes pros and cons
4. Update your estate planning
Manage income strategically
What happens if you work beyond your first year of retirement
6. If you go pro, do your research
May is National Mental Health Awareness Month. What money issue causes people the most stress and how do you recommend people handle money stress?
That rent seems low for San Francisco, right?
Medical bill debt
Debt collectors must be truthful
Do the math: Budgeting basics still apply
Why are eggs so expensive in California?
6. Use coupons strategically
How to choose a rent-reporting service
Should you claim early Social Security benefits?
Buy in bulk, then split costs
Credit-related deal breakers
Still, there are challenges
Tax considerations
Communication and compatibility
Embrace the human side of rideshare
Take the first step to regain control
Pros and cons of tiny houses
Next steps: More answers about VA disability benefits
How cash-out refinances and HELOCs are different
Home appraisal process
Keeping track of your net worth
Are my other types of debt a problem?
Is Prime Reading worth it for you?
Is a Sam’s Club membership worth it?
Does HBO Max allow password sharing?
How can I avoid late payments?
Take advantage of employee benefits
Will food prices go down in 2024?
Getting information about an Experian credit freeze by phone
How much of your fee goes to Upwork?
Alternatives to canceling a credit card
How are HELOC payments calculated?
When should you take a first-time home buyer education course?
Additional functionality
How an Equinox membership fits into your budget
6. You co-signed a loan or credit card application
6. Read your reports and fix errors
How to avoid probate
Calculating RMDs when you have multiple accounts
What happens after you send a debt verification request?
5. Check on assistance programs for a monthly discount
Alternatives to guardianship
Now move on to the budgeting
What if you can’t afford to tip?
Adjust your withholdings
New year, new financial you
How to determine when to start Social Security benefits
Mattress-buying tips
10. Take a hike
What happens if my home is foreclosed?
What engaged couples can do
How to find an estate planning attorney
How to sign up for SSI
Were you ever discouraged? How did you stay motivated?
Tips to make your kitchen remodel more affordable
Are HELOCs on investment properties tax deductible?
How to preserve your U.S. credit profile
You don't have to get a job at the yogurt shop
If you pass the bankruptcy means test
Cost of a manufactured home
Require airlines to provide automatic cash refunds
4 steps to creating a college budget
Recent strikes in the U.S.
How do recession differ from depressions?
How to minimize your estate tax burden
Questions to ask when considering a 'shiny thing' strategy
Alternatives to ‘pay for delete’
False 'junk data' on credit reports
Limit contingencies
Affordability remains an obstacle
But will sellers show up?
Get the help you need
Other coverage options
7. Think about the future
High inflation leads many to cut costs
Prioritize saving

How do I keep documents safe?
Title insurance cost
What to do if your disability payment is late or missing
How is the PPI calculated?
How did you finance the tiny home?
Now for the actual saving
Stick to your budget
Home prices rise, as expected
'Vote' for expenses you want to keep
How to make yourself a smaller target for ID theft
Expenses that may arise when adopting a child
Making an offer
How and when will my funds be distributed?
5. Prepare for potential difficulties
How to check your VantageScore
What states are increasing minimum wages in 2024?
5. Inspect your credit reports
Doing it themselves
Get a credit-builder product or a secured loan
Credit misconceptions, by generation
6. Are you doing a hard credit check on me today?
How to unfreeze your credit with Equifax
Consumer takeaways
8. Pick up weekly ads at the store
8. Cafes, restaurants and bars
Are home equity loans a good idea?
Can you apply for Social Security divorced spouse benefits if your ex hasn't yet applied for Social Security?
How does credit utilization affect my credit score?
How do you get a second mortgage?
Compare your net worth
‘Long and variable lags,’ and other factors
Will forbearance impact my future ability to buy a home?
Potential impact of multiple credit cards on your credit scores
Working YouTube Premium costs into your budget
Facing the co-op board
Disadvantages of recasting a mortgage
How long do medical bill collections stay on your credit reports?
Home equity loan and HELOC rates
Remember gift cards can expire
How retirement income from life insurance policies is taxed
Option 3: Both keep the house for now
How to find unclaimed property
How long does it take to make money with DoorDash?
TDIU vs. Social Security Disability Insurance (SSDI)
How much do rates matter?
3. Buy a house. Heck, buy houses for all your friends.
Disadvantages of assumable loans for sellers
6. Get travel insurance
Revisit your plan
Is a pocket listing a good idea?
How many jobs were added in July?
6. Get a co-signer
3. If you already paid the debt: Ask for a goodwill deletion
How to accept a job offer
Loyalty will pay off
Home office expenses
The video you should make
Does YouTube TV fit in your budget?
Can you lower your property tax bill?
How to save money on an Uber
How to pay for a roof replacement
Less equity to borrow against
Getting a construction or renovation loan
Step 4: Evaluate and pivot
How is CPI calculated?
What this $230 million total misses
6. Make it smarter
5. CouponCabin
Condition and needed repairs
Controversy around employer credit checks
How many jobs were added in August?
6. Research your 401(k) fees
Watch out for Social Security scams
Sign up for cash-back apps
How to dispute your TransUnion credit report by phone
Ask for help
Renters might get a break
3. Get a good price and know it
A good decision today

How long does it take to get letters of administration?

How to reactivate a subscription on your Apple device
Have a stale file? Freshen it up
Should you feel guilty for quitting your job without notice?
Terminal illnesses
Financial feelings and spending sorrows
Get help if you need it
What else should I do?
How to save money on Babbel
Don't try to get lucky with your serious money
How do you cancel a Crunch Fitness membership?
What’s the Social Security payment schedule for 2024?
If it's a joint application and one borrower is still working
Where to buy in bulk
Where to find FSBO homes
Reevaluate your wants and needs
5. Choose the contingencies to include
Skip: Large furniture pieces that can be painful to return
Tax benefit of selling a home
5. Consider hiring help
Local asset protection strategies
Forgive yourself for past mistakes
Better information equals better advice
How to set up a special needs trust
Use the power of extra payments
7. Start a blog
Conventional loans (Fannie Mae and Freddie Mac)
What affects your credit score?
Ways to write a will
Steps to take if you’re a victim of SIM swapping
Next, balance more savings and remaining debt
Update your passwords, PINs and contact info
3. Dispute credit report errors
How to protect your child from identity theft
It’s more expensive to rent than ever before
Look for the most flexible HELOC terms
How do you keep yourself debt-free?
Turned down? Consider other ways to access more money
Why doesn’t my report show a credit score?
Ways to earn money as a teenager
Most 2022 would-be buyers fell short
5. Evaluate comparable properties
Bridge loan alternatives
How do I keep my credit score from dropping?
Not quite ready to retire?
What's different about buying a condo?
What if I can't contact my mortgage servicer?
What is a good DTI ratio?
You want a different type of home loan
Appraisal gap coverage limits your exposure
Explore other ways to make money on the road
What is not covered by a home warranty?
Make money with Amazon by recommending products
Media layoffs soared as companies struggle to profit
How to request a waiver for a Social Security overpayment
How to find local and state low-income assistance programs
11. Ride a bike
6. Cash-out refinance
Is there a form for power of attorney in Florida?
What happens during a home inspection?
I bought a fixer-upper
5. Manage your emotions
What is the difference between a successor trustee and an executor?
Tips to protect yourself
Making minor renovations? Consider CHOICEReno eXPress
Streamline communications between parents and schools
Tax benefits
How good credit references can make your life better
Experts say no taxes on tips is bad policy
Salaries for recent grads have spiked
How do you pay for purchases at Costco?
Buy or skip: Small appliances
How much should I spend each month?
How to handle these bills
Summary: Key differences
Tips for making a smart choice
Tips to get through mortgage underwriting
5. Opt for store brands
You should probably postpone buying a house if …
9. Try out generic labels
Don’t overthink it
Striking worker totals increased by 141% in 2023
Take advantage of nontraditional return options
Other income sources may help you retire sooner
Can you avoid probate?
Do what makes you happy
How long does Experian take to resolve a dispute?
4. Budget your time, too
Refinancing your primary mortgage with a home equity loan
How we tracked prices
What if one spouse didn’t work or doesn’t qualify for Social Security?
What happens to a 690 score with a late payment?
Is Honey a safe extension?
Be strategic with aid, credit and debt as you dig out
How to save on prescriptions: shop around
Current buyer roadblocks
Try other sources of help
7. Get rewards
How does collecting disability benefits affect your retirement benefits?
Dealing with financial crisis
3. Rehearse, rehearse, rehearse
Plan ahead — demand is high
Before you go shopping
Chapter 12 bankruptcy
Alternatives to build and rebuild credit
What is on a death certificate?
Get organized for tax season
4. Hire a medical bill advocate
Know when to call it quits
Curate your credit
3. Work with your creditors
Pros and cons of a cash-out refinance
Look for savings
Doing great
Can you collect SSI and Social Security disability or retirement benefits?
ADA accommodations for ADHD
9. Look at the product packaging
What are the cons of freezing credit?
4. Write them down
If you collect Social Security divorced spouse benefits, do you have to inform your ex-spouse?
Protect your own finances along the way
6. Missing out on first-time home buyer programs
Is there an income limit to qualify as a first-time home buyer?
How to save money every month
Why is home equity important?
How do I qualify for mortgage forbearance?
5. Find a house to flip and buy it
Fraud alert vs. credit freeze — which should I choose?
First-time home buyer programs near Indiana
What does a shared equity agreement cost?
3 appliance-buying tips
How to fit HBO Max into your budget
6. Don't get distracted by things you don't need
Is it safe to buy a used phone?
How to sign up for Instacart
10 ways to avoid escheatment
7. You applied for a lot of credit
Most dramatic impact: Austin, Las Vegas and Tampa
How much does probate cost?
When a HELOC is a bad idea
What's your investment strategy for 2023?
Tax implications of guardianship
Paying taxes on lottery winnings
How Sling TV might fit into your budget
Rely on visual aids long after debt
Watch out for scams
Where to get a HomeStyle loan
Market your Esty shop and products
How much does an estate planning attorney cost?
Frugal home expenses tips
How to get conservatorship
Alternative financing options
How to integrate a living trust and a will
Exploring other options
How do I apply for disability benefits?
Pittsburgh: The only ‘affordable’ metro
LIHEAP alternatives
Best value plans
QTIP trust vs. marital trust
Compare prices and services
Remember, this is just another life cycle
How to calculate the windfall elimination provision
Compare lenders
How to prepare for a recession
Holiday shopping tips
Discounts that disappear from the shopping basket
Comparing a HELOC and cash-out refi
Mortgage and refinancing benefits
What to look for in a disability lawyer
File a complaint if you suspect discrimination
Manufactured homes
Tires and gasoline
How to protect your budget at the grocery store
When is the PPI released?
Understand your legal obligations
How to get the most from an app
Why consumer advocates are concerned, and what you can do
Timing your shopping
What happens next
If you need to seek coverage elsewhere
How do finances show up typically in Asian American households, and what tips would you give on managing money with family or relationships?
Many plan to take action over the next year to build credit score
What were your other expenses?
8. Game on Twitch
7. Buy in bulk
Does paying rent build credit?
Reach out to community organizations
Other types of trusts
How to use a home equity loan
5. Opt for economy cars
Beware of the emotional costs of 'erasing yourself'
Take advantage of your good credit
Alternatives to a lady bird deed
The most popular surveys for cash apps
6. Decide who will participate, and share funeral arrangement details
Once you request your Experian credit freeze
Mortgage types
Reasons to change your gender on your Social Security record
How self-employment income is taxed in retirement
What to do if your SSN has been compromised
SSDI benefits for fibromyalgia
What if I change my mind?
Local sales
6. Use mobile broadband
Where to find virtual assistant jobs
How to prepare for a job fair
First-time home buyer programs near California
3. Derogatory mark: Repossession
What information is not found on your credit reports?
Average retirement age
How can I survive foreclosure?
Determine how much to save for each category
How to deduct property taxes on your tax return
If you fail the means test
6. Store-specific apps
Modular vs. manufactured: Which is right for me?
How to set up tenancy by entirety
6. Communicate
Keep your options open
What happens next in a TransUnion credit dispute?
6. Be prepared
From income to budgeting
First-time home buyer programs near Michigan
No longer a credit ghost? Now protect your score
Shop multiple sales and buy over time
What is an advanced designation or representative payee?
Be flexible about closing and move-in dates
Is MyFICO legit, and is MyFICO worth it?
How does a Crunch Fitness membership fit into your budget?
Before house hunting, get preapproved for a mortgage
How far along are you in paying back the loan?
5. Reduce your tax burden
3. Get disability and life insurance
Can you lose your money in an annuity?
Most rent remains unaffordable
5. Prepare for surprises
How to use your newfound knowledge
Don’t forget these post-wedding to-dos
7. Do you charge for an interest rate lock?
Why are California gas prices so high?
Credit limit and your credit score
How to rent an apartment if you have credit challenges
Other income that can lower your disability pay
5. Treat yourself
Strategies for keeping your credit utilization low
Cut the cost of monthly bills
Why is having good credit important?
Per stirpes vs. per capita in a will
Avoid prepayment penalties
What do home appraisers look for?
How to keep medical bills from hurting your credit
If you worked for a state or local government
How can you make more money with DoorDash?
What is the current unemployment rate?
Stumbling blocks on the homebuying path
Still not sure which budget system is best for you?
Factors to consider before retiring
How long will it take to rebuild my credit?
What if I don’t give back a Social Security overpayment?
12. Sleep in the woods
Advantages of modular homes
Why you may not be getting a response after an interview
Ready, set, save
Switching is no longer an option for most
Medically necessary home improvements
Where to keep your documents
Information to share with your spouse or partner
Finding a lender
How to give two weeks’ notice
How to pay for improvements that increase value
6. PayPal Honey
What happens to a 710 credit score with a late payment?
Are Social Security benefits taxable?
6. Try cheaper cuts of meat or protein alternatives
7. Learn your vesting schedules
10. Use credit cards strategically
Rate lock-in may begin to ease
How to make money as a Twitch Partner
Wait a second — what about inflation?
Where are we with inflation? The latest numbers
Real estate contingency deadlines
What happens if you don’t file for probate on time (or at all)?
What happens after you file your dispute?
Keep in touch
Advice: Read reviews and check price history before buying
Milwaukee: Climbing the affordability chart
Underwriting and closing
A rising rate environment
How long could the strikes last?
Minimum wage increases
What isn’t covered by a home warranty?
What happens to a 695 score with a late payment?
9. Sell photography
Before you apply for a credit card
Inventory sinks from Q1 2019
10. Browse store aisles
10. Schools and universities
How do I grow my home's equity?
Home equity takes time to build
How to protect your credit after a divorce
What percent down payment do you need for a house?
Home equity loans: another way to access equity
How did rent get so expensive?
Co-ops vs. condos: Which is better?
Find the best HELOC lender for you
How to work for Instacart
How much does a home buyer class cost?
What if I think I’m a beneficiary but haven’t received a notice?
7. Monitor your credit regularly
What happens if I'm in foreclosure?
HELOC tips for retirees
What makes a good investment property?
Disadvantages of assumable loans for buyers
Guardianship by state
Do you need a bankruptcy attorney?
7. Community or government home repair assistance
Be patient with yourself and the market
How to build your credit before car shopping
What would you have done differently?
What is a trust fund?
Manufactured home loans
Can you negotiate severance?
How to increase your SSDI benefit
Is a Costco membership worth it?
Nerdy reminders about online shopping
Negotiate if necessary
How to report changes in earnings
4. Wait for Black Friday if you want
How much Social Security will you get at 67?
What to know about holiday return policies
Set and stick to a repayment plan
What to do if you’re denied SSDI benefits
How Peloton might fit your budget and ways to cut the cost
How to apply to be a representative payee
Offer to pay your own agent
Email templates for declining a job offer you already accepted
What’s the difference between the debt ceiling and the national debt?
Consider a core and satellite strategy
What if my scheduled payment date falls on a weekend or a holiday?
Keep your next Costco visit cost-effective

Biden's push to lower title insurance costs
Why liquid assets are important
Were there any surprises? Would you have done anything differently?
Consider refurbished computers
Resignation due to health issues letter example
FHA loan assistance
What next steps should I take?
Chapter 15 bankruptcy
What to do if your rights have been violated
5. See if you qualify for an income-driven hardship plan
Student loans
Rely on yourself
State first-time home buyer programs
How to get a good credit score
Who can access your frozen credit reports?
Not a DIY project
How to check your credit score
HELOC requirements
How can you take the guesswork out of tipping?
Homeowners insurance part of a bundle?
Be mindful of how much you borrow
Social Security and pensions for spouses and widows
What advice do you have for others trying to pay down their student loans?
Will a credit freeze or fraud alert hurt my credit score?
Are credit scores from all major bureaus the same?
Paying for ADL support
The 50/30/20 budget calculator
8. You closed an old credit card
Advantages of a spendthrift trust
How to apply for TDIU
4. Give it away
Maximum and average DTI ratios by mortgage type
Factors that don’t affect your credit scores
Ways to uncover homes for sale
Try a worksheet or app
The wedding invitations (average cost: $215)
Is unemployment rising or falling?
2024 veterans disability rates
First-time home buyer programs near Illinois
13. Gaze at the stars
Disadvantages of modular homes
Other ways to finance a purchase and renovation
4. Check your credit reports after 30 days to make sure the change was made
First-time home buyer programs near South Carolina
SSDI benefits for anxiety
How to prepare for a hiring credit check
11. Establish your local supermarket circuit
How to stop spending money online
4. AI looks to be the new frontier in the workplace
Get ready to rumble
Memberships
A wall of regulation could stand in the way
What is the median household income in the U.S.?
Use a co-signer
EveryDollar, for simple zero-based budgeting
8. Will I have to pay mortgage insurance?
8. Start small
5. Find the right mortgage for you
Be cautious about debt
11. Theaters
Home equity loan requirements
7. Ignoring VA, USDA and FHA loan programs
6. Stick to one driver
Differences between HELOCs and home equity loans
How to build your credit
How do I cancel my 24 Hour Fitness membership?
How long does it take to plan a funeral?
How inflation is hitting your grocery bill
How to do well on Upwork
Who should get a home equity loan
If you served in the military
Social Security gender terminology and options
Other ways to make money online
7. Buy a house that needs work
How to find a home buyer education course
Tips for approaching the decision
Does fibromyalgia qualify as a disability under the ADA?
The house I was buying was destroyed or damaged. What happens now?
Reasons to get a mortgage instead of buying with cash
Make money on Amazon without selling stuff
Ways to build your credit
Alternatives to conservatorship
A final tip on refinance closing costs
What happens if you don't pay property taxes?
What else is being done to curb junk fees?
How does the RRB calculate retirement benefits?
Alternatives to modular and manufactured homes
Objecting to incorrect judgments
4 tips for qualifying for disability
What to know when designating a representative payee
Most Americans think we’re currently in a recession
Refinance programs that don't require appraisals
Modular homes
Is Honey worth using? The results of a test run
Are these prescription drug discounts better than insurance?
Changing buyer sentiment
What are your long-term goals for the tiny home?
Metro spotlight: Cincinnati, Cleveland and Columbus
Set good boundaries
Is an annuity a good investment?
Why DBQs matter
The U.S. needs way more rental housing
What happens to a 705 score with a late payment?
Home improvements in years to come
Unfair practices are prohibited
4. Seek help through debt relief
10. Pet sit
If wage garnishment is a financial burden
Why ADHD is difficult to diagnose
11. Check your receipts
Working from home tips
How to get mortgage forbearance
Is it better to get a second mortgage or refinance?
HELOC alternatives
How Amazon Student might work for you
Tips for finding a home warranty
4. Use budgeting or expense-tracking apps
How has the Biden-Harris administration handled the economy?
How repayment of the equity investment works
Current obstacles to homebuying
Why home value is important
Are wills made public?
4. Derogatory mark: Collections
Other retirement ages to know
What the SSA can’t do to recover overpayments
14. Listen to music
Construction loans for modular homes
What's included in a home inspection report?
How your car loan can help you build better credit
How to cancel a Planet Fitness membership
How did this experience influence your business?
How to save money on a funeral
7. Black Friday 2023
How to choose solar shingles
12. Consider a wholesale membership
Your next step
Lawsuits could change how agents are paid
A sign of the times: $9 million meat theft
4 tips for applying for SSDI benefits
Legatee tax implications
Alternatives to home equity loans
What if my Social Security payment doesn’t arrive by the expected date?
Mistakes to avoid in funeral preplanning
Why do you think underrepresented communities are more active in crypto?
What were the biggest challenges you faced along the way?
6. Try negotiating costs on your own
Problems with tenant background checks
Save money on wedding venues near you
How to get a home equity line of credit
Requirements for a HELOC or home equity loan
Is a reverse mortgage worth it?
Home inspection vs. appraisal
Power and lighting
Questions to ask before signing up for a gym membership
See if zero-based budgeting is right for you
Disadvantages of a spendthrift trust
Provide top-notch customer service
Clothes, vintage and crafts shopping sites
Generational beliefs about finances differ
You can tap equity with a refinance
How to calculate the unemployment rate
Where lottery prizes come from
How long does bankruptcy stay on your credit report?
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Learn more about personal finance

Letters of administration are court documents giving someone permission or authority to administer the estate of someone who died without a will or without naming a proper executor of their estate. Letters of administration allow the administrator to access, manage and distribute the deceased person’s accounts and property.

Letters of administration typically come from a probate court, which handles intestate estates (ones in which no valid will exists) or estates for which the chosen executor isn’t able to perform their duties [0] Cornell Law School Legal Information Institute . Letters of administration . Accessed Jul 12, 2023. View all sources .

State next of kin laws usually determine who the court chooses to be the administrator [0] New York City Bar Legal Referral Service . Estate Administration . Accessed Jul 12, 2023. View all sources .

If you’re the next of kin to someone who died without a valid will — and all or some of their assets weren’t bequeathed via a trust , payable on death (POD) account , joint tenancy or other valid avenue for assets to pass to beneficiaries without probate — you’ll need to get letters of administration to close your loved one’s estate.

» MORE : Read the 7 steps of estate planning

When someone dies intestate (or without a valid executor in their will), the estate typically remains frozen until letters of administration are in place.

Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.

$19 annual membership fee.

Yes




$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.	Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.
$39	$199 per year for attorney assistance after the first year.
No	Yes

The main difference between letters of administration and letters testamentary is who's being appointed. Letters of administration appoint an administrator when there’s no valid will (or no valid executor), but letters testamentary approve the executor named in a valid will [0] Cornell Law School Legal Information Institute . Letters testamentary . Accessed Jul 12, 2023. View all sources . Both are legal probate court documents that allow someone to manage and close an estate after someone dies.

» MORE : How to choose an estate attorney

1. Obtain all the necessary documents

It’s best to contact the probate court for specific requirements, but the necessary documents typically include:

A death certificate for the person who died.

Copies of all of the deceased’s property titles, such as car titles or home deeds.

Proof of the deceased’s insurance policies.

Statements or other proof of the deceased’s financial accounts, such as bank accounts, brokerage accounts and retirement accounts.

Statements or other proof of the deceased’s loans and other debts.

Names and addresses of next of kin.

Any other documents required in the specific state where the deceased lived.

» MORE : Why it’s important to appraise your assets before you write a will

2. Touch base with other relatives

Notify relatives who are possible heirs that the death occurred. Gather from them any additional financial information they may have that would be helpful in organizing the estate.

» MORE : How long after a person dies will beneficiaries be notified?

3. File an application for letters of administration

To be appointed administrator, you’ll likely need to be at least 18 years old, a U.S. citizen, and in most states, not have a felony criminal record [0] Civil Law Self-Help Center . Special Administrators . Accessed Jul 12, 2023. View all sources . You may be able to find the proper forms online, but you’ll likely have to file them in person at a probate court.

4. Appear in court for verification

In order to complete the process, you’ll need to have everything validated and approved by the court. After the judge verifies the information you’ve gathered and confirms your eligibility to become administrator of the estate, the court will provide the letter of administration. You can present this document to financial institutions and other parties to prove that you have legal authority to manage the estate and distribute assets per your state laws.

» MORE : How to name guardians for children

In general, it takes about six to eight weeks to get letters of administration, provided the application is properly filed and includes the required documentation. A number of circumstances can delay this process, such as:

Errors in the application.

Disagreements about who should be the estate administrator.

Missing information or documentation.

Because this process takes time under the smoothest of circumstances, apply for letters of administration as soon as possible after a death occurs.

Once you have letters of administration and are appointed administrator, you can take action to pay off the estate’s debts, sell property to liquidate assets and distribute assets to all eligible heirs.

» MORE : Read how a power of attorney works

On a similar note...

Compare online will makers

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Ease of use on Trust & Will's website	4.0 /5	Will: one-time fee of $199 per individual or $299 for couples. Trust: one-time fee of $499 per individual or $599 for couples.	$19 annual membership fee.	Yes	on Trust & Will's website
Digital Assets on GoodTrust's website	5.0 /5	$149 for estate plan bundle. Promotion: NerdWallet users can save up to $10.	$39	No	on GoodTrust's website
State-specific legal advice on LegalZoom's website	3.0 /5	Will: $199 for Basic, $299 for Premium with attorney assist. Trust: $499 for Basic, $599 for Premium with attorney assist.	$199 per year for attorney assistance after the first year.	Yes	on LegalZoom's website
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What is a trust definition, account types and benefits, estate planning checklist: a 7-step guide to getting your affairs in order.

Navigating Probate: Your Essential Guide to Obtaining a Letter of Administration

Losing a loved one is a challenging experience, and dealing with their estate can be a daunting task. Ensuring that their assets are distributed properly can be a complex, time-consuming process. One vital aspect of estate administration is obtaining a Letter of Administration, which grants legal authority to manage the deceased’s estate. This comprehensive guide will help you navigate the intricacies of obtaining such a letter, making a difficult time a little easier.

Key Takeaways

Understanding the role of an administrator in distributing a deceased person’s estate according to intestate succession laws.
Key steps for obtaining a Letter of Administration, including filing an application with the local probate court and providing supporting documentation.
Challenges involved in obtaining Letters of Administration such as proving legitimacy and relationship to the deceased, locating family members, handling disputes & contests. Benefits of estate planning & creating a will.

Understanding Letters of Administration

If an individual person dies, without leaving a valid will, the court assumes the responsibility of dispersing their assets, necessitating Letters of Administration. They provide guidance on how to go about things. These legal documents grant authority to administer and distribute the personal property and estate of a deceased individual who has passed away without a valid will. Individuals in a specific order of priority, such as the deceased’s surviving spouse or next of kin, are eligible to apply for and obtain Letters of Administration.

The designated administrator shoulders the responsibility of dispersing the deceased’s estate, which comprises managing bank accounts and additional assets. Obtaining a Letter of Administration can be a complex process, involving various legal requirements and the need to provide supporting documentation. This guide explores the administrator’s role, intestate succession laws, financial institutions and the procedure for procuring a Letter of Administration.

The Role of an Administrator

An administrator is a court-appointed individual responsible for administering and distributing a deceased person’s estate in accordance with intestate succession laws. This vital role public administrator is typically assigned to the deceased’s spouse or next of kin, as determined by state law and the order of priority for inheritance.

An administrator’s legal obligations include:

Providing the probate court with an accounting of the assets and debts of the deceased
Supervising the distribution of assets
Maintaining an inventory of the estate
Discharging any tax obligations

The court will verify the applicant’s relationship to the deceased person’s estate and, if no other relatives raise objections, the applicant will be appointed as personal representative of the Administrator of the Estate through the legal process of obtaining a Letter of Administration.

Helpful Resources

Link: IRS – Responsibilities of an Estate Administrator

Wikipedia : According to Wikipedia , an estate administrator is legally appointed by a court to manage the estate of a deceased person who did not leave a will. This administrator’s duties include settling debts, paying taxes and funeral expenses, and distributing the remainder of the estate as per legal guidelines. The administrator’s powers are similar to those of an executor named in a will, including collecting assets, paying creditors, and distributing assets to heirs. The appointment of an administrator is subject to certain eligibility criteria, including competency and lack of adverse interest to the estate. Their role is extensively defined and regulated by the court.

Intestate Succession Laws

Intestate succession laws govern the distribution of a deceased individual’s estate in cases where they pass away without a valid will. These laws, which exist in every state and the District of Columbia, prioritize certain family members’ rights to inherit based on their relationship to the deceased and the state’s specific laws. It’s important to note that intestate succession laws don’t apply to all property; assets such as those held in trusts, life insurance policies with named beneficiaries, payable-on-death accounts, and retirement accounts with named beneficiaries are typically not subject to these laws.

Heirs are usually categorized into classes that determine the order and extent of their inheritance. These classes typically include the surviving spouse, biological and adopted children, grandchildren, surviving parents, siblings, and descendants of the decedent’s siblings and grandparents. The specific share each heir receives depends on their legal relationship to the decedent and the laws of the state where the decedent was domiciled. In cases where no eligible heirs are identified, the estate may transfer to the state, a process known as “escheat”.

For a comprehensive understanding of intestate succession laws in various states, it’s advisable to consult the specific statutes and regulations of each state, as these laws can vary significantly. FindLaw provides a useful resource with links and citations to intestate succession laws for each state and the District of Columbia

Key Steps to Obtain a Letter of Administration

Applicant filing documents at a courthouse

Obtaining a Letter of Administration involves a series of key steps, including filing an application with the local probate court, providing supporting documentation, and attending a court hearing. In the following sections, we will explore each of these steps in detail, providing guidance and insights to help you navigate the process.

Filing an Application with the Local Probate Court

The initial step towards acquiring a Letter of Administration involves forwarding an application to the appropriate probate court. This process involves obtaining the necessary documents, such as a death certificate, an application form for Letters of Administration, and proof of relationship to the deceased (such as their birth certificates or marriage certificates). It is important to note that the specific requirements may vary depending on the jurisdiction and the probate court, so contacting the local probate court directly for the exact documents needed is advised.

Filing fees are associated with submitting an application for Letters of Administration, and these fees can vary depending on the jurisdiction. For example, in Fulton County, Georgia, the filing fee is $159 per individual or $259 for couples, while in Gwinnett County, Georgia, the fee is $180.

The average processing period for an application for Letters of Administration in the local probate court is usually 1 to 4 months.

Providing Supporting Documentation

Alongside the application form, the probate court requires submission of multiple supporting documents. These may include:

A death certificate
A list of deceased person’s assets and liabilities
Property titles
Asset valuations

Asset valuations, such as appraisals of the estate’s assets and remaining assets to ascertain their value, are essential for fulfilling probate and tax obligations. It may be necessary to engage a professional for this task.

The titles of property necessary for applying for a Letter of Administration may be contingent upon the jurisdiction. It is advisable to consult with the probate court or a legal representative to ascertain the titles of property that must be included in the application.

Attending a Court Hearing

A court hearing, where the judge validates and approves the application, bestowing the applicant with legal authority to administer the estate, is a crucial step in the Letter of Administration procurement process. The court hearing typically involves the court reviewing the application, which may take up to six weeks, and then issuing Letters of Administration if the application is approved.

One must come prepared to the court hearing, equipped with essential documents, proof of eligibility, case familiarity, suitable attire, and readiness to respond to questions. It is recommended to consult with an attorney specializing in probate law to ensure full preparation for the court hearing. They can also provide guidance on the specific documents needed for the hearing, such as a copy of the paid funeral bill, a certified death certificate, and the Petition for Letters of Administration.

Types of Letters of Administration

Depending on the circumstances of the deceased’s estate, different types of Letters of Administration may be required. These include Limited Letters of Administration, Temporary Letters of Administration, and Ancillary Letters of Administration.

In the following sections, we will explore each type of such a letter and its unique characteristics and uses.

Limited Letters of Administration

Limited Letters of Administration are documents that grant limited powers to an an administrator appointed to carry out specific activities associated with the administration of an estate. They are usually employed in cases where there is no will or the will does not name an executor, allowing someone to take control of and dispose of the estate of a deceased person. Limited Letters of Administration provide the administrator with specified and restricted powers to undertake particular actions, such as searching for assets, managing a particular aspect of the estate, or handling a certain legal issue.

By supplying legal authorization and structure in the settlement procedure for estate taxes, Limited Letters of Administration offer protection for the administrator and enable them to access estate assets and execute required duties within the specified scope of their authority.

Temporary Letters of Administration

Temporary Letters of Administration allow a person to act on behalf of an estate while a petition for a standard Letter of Administration is filed with the Surrogate’s Court. This temporary letter grants power to administer the estate until the court settles the petition. They are generally issued in anticipation of permanent letters and contrast from full Letters of Administration. Temporary Letters of Administration are also typically issued when required in urgent estate matters where immediate action is imperative to protect the interests of the estate, such as initiating a lawsuit or taking necessary steps to secure the estate’s assets.

Temporary Letters of Administration expire every six months. They may be issued as part of the customary application process if an immediate requirement or some form of impediment is present. Otherwise, a Petition and other relevant documents must be submitted to the court to apply as a Temporary Administrator.

Ancillary Letters of Administration

Ancillary Letters of Administration are required when a decedent passes away in another state but holds property in the jurisdiction or county court in which the letter is being sought. The administrator must file these documents in the county where the property is situated. This includes scenarios wherein the deceased owned real estate, livestock, or oil, gas, or mineral rights attached to real estate in another state.

The procedure for obtaining Ancillary Letters of Administration involves the following steps:

Submitting a probate case to the relevant state court.
Upon review of the presented documents, the court will issue Ancillary Letters of Administration, should the application be approved.
These letters grant the administrator the authority to administer and distribute the assets located within that state.

Challenges and Obstacles in Obtaining Letters of Administration

The process of acquiring Letters of Administration can pose multiple challenges and hurdles. These may include proving legitimacy and relationship to the deceased, locating and notifying other family members, and handling disputes and contests.

In the following sections, we will discuss each of these challenges in detail and provide guidance on how to navigate them.

Proving Legitimacy and Relationship

Establishing legitimacy and kinship with the deceased is pivotal in securing a Letter of Administration, as are other documents that the court needs to affirm the applicant’s eligibility. To demonstrate the validity and connection to the deceased for Letters of Administration, the following legal documentation may be necessary:

A death certificate of the deceased person
Copies of the deceased’s property titles
Evidence of any loans or debts
Any relevant will or testamentary documents

In the lack of a will, an individual can demonstrate their entitlement as an heir by furnishing evidence of their biological association to the deceased, for example, a birth certificate or DNA test results. The probate court will evaluate all relevant documents and conduct inquiries to verify the legitimacy and relationship of the persons involved.

Should an individual be unable to demonstrate their legitimacy and relationship to the deceased while obtaining a Letter of Administration, possible repercussions may include:

Rejection of the application
Postponement in estate administration
Disqualification as an heir or beneficiary
Legal disputes from other concerned parties.

Locating and Notifying Family Members

As part of the Letter of Administration procurement process, it is essential to locate and inform all relevant family members to ensure their awareness of the proceedings. To locate family members for the purpose of obtaining a Letter of Administration, some typical methods include:

Making contact with other relatives to gather information
Consulting with the deceased’s family to gather necessary details
Visiting or contacting the probate court to request assistance in locating family members

The legal requirements for notifying family members when applying for a Letter of Administration include:

Obtaining all requisite documents
Liaising with other relatives
Submitting an application for letters of administration
Appearing in court

The probate court ensures that all pertinent family members have been notified in a Letter of Administration case by the probate courts by requiring the executor to send notifications to beneficiaries, heirs, and creditors of the status of the case.

Handling Disputes and Contests

The presence of disputes and contests can extend the duration of the Letter of Administration procurement process, possibly escalating costs and causing delays. Disputes over Letters of Administration can arise from various sources, including:

Lack of trust
Objections from concerned parties
Questions regarding the mental state of the deceased
Assertions of undue influence
Suspected fraud or forgery
Improper preparation or execution of the will

Disputes over Letters of Administration can be resolved legally through various methods, including:

Open dialogue
Negotiation
Probate litigation

These approaches allow beneficiaries, executors, or administrators to address disagreements and reach a resolution in a legally sound manner. It is imperative to consider seeking professional legal advice to navigate the specific circumstances of the dispute.

The Benefits of Estate Planning

Person creating a will with legal documents

Estate planning, which encompasses drafting a will and naming an executor, can help circumvent the difficulties and complexities related to procuring Letters of Administration. A well-crafted estate plan ensures that your assets are distributed according to your wishes and can help prevent disputes among family members.

In this section, we will discuss the benefits of creating a will and appointing an executor.

Creating a Will

Drafting a will empowers individuals to delineate the distribution of their assets post-death, thereby minimizing potential disputes and complications. The process of creating a will generally involves the following documents:

Determining the manner of writing the will
Selecting an executor
Identifying the beneficiaries
Appointing a guardian for any minors
Cataloguing and listing one’s assets
Deciding which assets to include in the will
Stipulating how the assets should be distributed
Appointing an alternate executor
Signing and dating the will in the presence of witnesses.

Having a will in place simplifies the distribution of assets by providing explicit instructions on how the assets should be distributed after the person’s demise. This guarantees that the assets are distributed in accordance with the person’s desires and can help avert conflicts and disagreements among relatives.

Appointing an Executor

Naming an executor in a will guarantees that a trusted individual oversees the management and distribution of the estate, thereby eliminating the need for a court-appointed administrator. The testator, who is the individual who makes the will, can appoint an executor, and the court can appoint one if the testator does not name an executor.

The duties of an appointed executor in the distributing assets of an estate encompass:

Locating and collecting all pertinent documents
Administering and probating the estate
Guaranteeing that the provisions of the decedent’s will are implemented
Allocating assets to beneficiaries
Representing the interests of the estate beneficiaries as a fiduciary.

Navigating the complexities of obtaining a Letter of Administration can be a daunting task, but with proper guidance and understanding of the process, it is manageable. By familiarizing yourself with the roles and responsibilities of an administrator, intestate succession laws, and the steps to obtain a Letter of Administration, you can ensure the efficient administration of your loved one’s estate. Estate planning, including creating a will and appointing an executor, can help avoid the challenges associated with obtaining Letters of Administration and ensure that your assets are distributed according to your wishes.

Frequently Asked Questions

What is the primary purpose of a letter of administration.

A Letter of Administration permits a person to assume the role of administrator and manage the financial affairs and estate of a deceased individual who passed away without a will.

How long does it typically take to obtain a Letter of Administration?

On average, obtaining Letters of Administration usually takes 1 to 4 months.

What are the key responsibilities of an appointed executor in estate administration?

An executor’s key responsibilities include locating and collecting documents, administering and probating the estate, ensuring will provisions are implemented, and allocating assets to beneficiaries potential heirs.

What types of Letters of Administration are available?

There are three types of Letters of Administration available: Limited, Temporary, and Ancillary.

Can disputes over Letters of Administration be resolved without legal intervention?

While some disputes over Letters of Administration can be resolved through negotiation or mediation, others may require legal intervention to reach a resolution.

Legal Disclaimer

The information provided in this article is for general informational purposes only and should not be construed as legal or tax advice. The content presented is not intended to be a substitute for professional legal, tax, or financial advice, nor should it be relied upon as such. Readers are encouraged to consult with their own attorney, CPA, and tax advisors to obtain specific guidance and advice tailored to their individual circumstances. No responsibility is assumed for any inaccuracies or errors in the information contained herein, and John Montague and Montague Law expressly disclaim any liability for any actions taken or not taken based on the information provided in this article.

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Letter of Administration

Written by True Tamplin, BSc, CEPF®

Reviewed by subject matter experts.

Updated on September 07, 2023

Get Any Financial Question Answered

Table of contents, what is a letter of administration.

A Letter of Administration is a legal document issued by the court that grants an appointed individual the authority to manage the estate of a deceased person who left no will or whose named executor is unable or unwilling to perform their duties.

This individual, referred to as the administrator, has the responsibility to settle the deceased person's estate, including managing debts, taxes , and asset distribution.

Without a will to determine how an estate should be managed, a Letter of Administration provides a means to ensure that the deceased’s assets are distributed according to state laws and that all debts are appropriately paid.

When Is a Letter of Administration Needed?

Death without a will (intestacy).

In this case, the court appoints an administrator to handle the estate's management and distribution according to state intestacy laws, which typically favor direct relatives like spouses, children, and parents.

Executor Cannot or Will Not Carry Out Duties

Even if a will exists, there may be circumstances where the named executor is unable or unwilling to perform their duties.

This situation might arise if the executor predeceases the testator, the individual who wrote the will, or if the executor declines the role due to personal reasons or incapacity.

Other Special Circumstances

In certain scenarios, even with a will and a willing executor, the court may deem it necessary to issue a Letter of Administration.

This situation might occur if there are doubts about the will's validity, if the will is contested, or if the executor is found to be unfit for the role due to reasons such as criminal conduct or conflict of interest.

When Is a Letter of Administration Needed?

Parties Involved in a Letter of Administration

The deceased.

The deceased person, often referred to as the decedent, is the individual whose estate requires administration. The need for a Letter of Administration arises if they die intestate or if their appointed executor cannot perform their duties.

The probate court, or its equivalent in different jurisdictions, is the legal authority that issues the Letter of Administration.

The court oversees the administration of the decedent's estate to ensure compliance with state laws and protect the interests of all parties involved, particularly the beneficiaries.

The Administrator

These individuals bear the responsibility of administering the estate faithfully and in the best interest of the beneficiaries. The administrator could be a relative of the decedent, a friend, or a professional such as a solicitor or a trust company .

Beneficiaries

In the absence of a will, beneficiaries are usually determined based on intestacy laws, which typically favor direct relatives. Beneficiaries have a vested interest in the estate and may have legal recourse if they believe the administrator is not managing the estate appropriately.

Process for Obtaining a Letter of Administration

Filing a petition.

To obtain a Letter of Administration, a petition must be filed with the appropriate probate court.

This petition typically includes information about the decedent, their estate, the proposed administrator, and the potential heirs. Some jurisdictions may require a bond to protect the estate's value.

Court Approval

Once the petition is filed, the court reviews it, verifies the information provided, and considers whether the proposed administrator is suitable.

The court may require a hearing where interested parties can voice any objections. If the court approves the petition, it will issue a Letter of Administration to the proposed administrator.

Issuance of the Letter

The Letter of Administration officially appoints the administrator to handle the decedent's estate. The administrator is then legally bound to act in the best interests of the beneficiaries and the estate, managing it according to the law and to the court's directives.

Process for Obtaining a Letter of Administration

Benefits of a Letter of Administration

Provides legal authority.

This document serves as official recognition of the administrator's role, authorizing them to carry out the complex task of managing the deceased's estate.

As a legally recognized document, the Letter of Administration is accepted by financial institutions , government agencies, and others who may hold the deceased's assets.

With this letter, the administrator can perform various tasks, such as accessing bank accounts, selling property, and paying outstanding debts.

Maintains Order in the Estate Settlement Process

The legal process outlined by this document helps maintain an organized progression of tasks, preventing potential disorder or confusion during the administration of the estate.

This structure is especially beneficial when dealing with complicated estates, multiple beneficiaries, or potential disputes. By delineating a clear roadmap, the Letter of Administration enables the administrator to effectively carry out their responsibilities.

Protects Administrator From Potential Liability

As long as the administrator acts in good faith, in accordance with the law, and fulfills their duties diligently, they are generally shielded from personal liability.

For instance, if the estate's liabilities exceed its assets, the administrator is typically not personally responsible for settling these outstanding debts, offering them a significant layer of protection.

Drawbacks of a Letter of Administration

Limited duration.

The effectiveness of a Letter of Administration is generally restricted to a specific period, the length of which can vary depending on the jurisdiction in which it is issued.

This time limit is set based on the expectation that the appointed administrator would be able to settle the deceased's estate within the allocated timeframe.

If the administrator is unable to complete the process within the set period, they would need to apply to the court for an extension, adding to the administrative burden.

Jurisdictional Restrictions

A Letter of Administration provides authority to the appointed administrator only within the jurisdiction in which it was granted. This can create complications if the deceased had assets scattered across different states or countries.

To gain control over these assets, the administrator might need to apply for separate Letters of Administration in all other jurisdictions where assets are located. This multi-jurisdictional process can be both time-consuming and costly.

No Control Over Estate Distribution

In the absence of a will, the administrator's hands are tied when it comes to distributing the assets of the estate. They are bound by the state's intestacy laws, which might not reflect the true wishes of the deceased.

This lack of control can lead to unsatisfactory outcomes and potential conflict among the beneficiaries.

Benefits and Drawbacks of a Letter of Administration

How to Avoid Needing a Letter of Administration

Creating a comprehensive will.

A will is a legal document that clearly expresses the individual's wishes regarding the distribution of their assets post-death. An executor is named in the will, identifying the person entrusted with the responsibility of administering the estate.

As a result, the probate court does not need to appoint an administrator, making a Letter of Administration unnecessary.

Establishing a Living Trust

In a living trust , the individual transfers their assets into the trust and appoints a trustee , which can be themselves, to manage these assets.

Upon their death, the successor trustee , who has been named in advance, steps in and distributes the assets to the beneficiaries as per the trust's terms.

Since the assets are owned by the trust and not the individual, they are not subject to probate , and there's no need for a Letter of Administration.

While establishing a living trust involves some upfront effort and expense , it can provide significant benefits, including privacy, flexibility, and the potential to save time and money by avoiding probate.

Utilizing Joint Ownership With Rights of Survivorship

Assets owned in this manner automatically pass to the surviving owner upon the death of the other, bypassing the probate process .

Common examples of jointly owned assets include real estate, bank accounts, and other financial assets. When one owner dies, the surviving owner typically needs to present a death certificate to the relevant institution to have the deceased's name removed from the asset.

It's worth noting, however, that joint ownership might not be suitable for all types of assets or in all circumstances.

It's also crucial to understand the potential implications, including tax consequences and issues that might arise if the joint owners have a falling out or if one owner incurs significant debts.

Therefore, individuals considering this strategy should consult with an estate planning attorney or financial advisor to fully understand the benefits and drawbacks.

Final Thoughts

A Letter of Administration grants an appointed individual the authority to manage the estate of a deceased person who did not leave a will or whose named executor cannot fulfill their duties.

It provides an organized and legally recognized process for settling the estate, ensuring that assets are distributed according to state laws and debts are properly addressed.

While the document offers benefits such as legal authority, order in the settlement process, and protection for the administrator, it also has limitations, including a limited duration, jurisdictional restrictions, and limited control over estate distribution.

To avoid the need for a Letter of Administration, individuals can take proactive steps such as creating a comprehensive will, establishing a living trust, and utilizing joint ownership with rights of survivorship for certain assets.

However, it is crucial to seek professional advice and carefully consider the implications of each approach to make informed decisions, ensuring their assets are managed and distributed according to their desires.

Letter of Administration FAQs

What is the purpose of a letter of administration.

The purpose of a Letter of Administration is to grant authority to an appointed individual, known as the administrator, to manage the estate of a deceased person who either left no will or whose named executor is unable or unwilling to fulfill their duties.

How is a Letter of Administration obtained?

To obtain a Letter of Administration, a petition must be filed with the appropriate probate court. The court reviews the petition, considers the suitability of the proposed administrator, and may hold a hearing for any objections. If approved, the court issues the Letter of Administration to the proposed administrator.

Who can be appointed as an administrator in a Letter of Administration?

The administrator can be a relative of the deceased, a friend, or a professional such as a solicitor or a trust company. The key requirement is that the administrator acts in the best interests of the beneficiaries and manages the estate faithfully.

What are the benefits of having a Letter of Administration?

A Letter of Administration provides legal authority to the administrator, enabling them to manage the complex tasks of settling the deceased's estate. It also maintains order in the estate settlement process, particularly in cases with complicated estates or multiple beneficiaries. Additionally, the administrator is generally protected from personal liability as long as they act in good faith and fulfill their duties diligently.

Can a Letter of Administration be avoided?

Yes, a Letter of Administration can be avoided through proper estate planning. Creating a comprehensive will that clearly expresses asset distribution and appoints an executor can eliminate the need for a Letter of Administration. Other alternatives include establishing a living trust, which bypasses probate, or utilizing joint ownership with rights of survivorship for certain assets, which allows automatic transfer to the surviving owner upon death. Consulting with an estate planning professional can provide further guidance on avoiding the need for a Letter of Administration.

About the Author

True Tamplin, BSc, CEPF®

True Tamplin is a published author, public speaker, CEO of UpDigital, and founder of Finance Strategists.

True is a Certified Educator in Personal Finance (CEPF®), author of The Handy Financial Ratios Guide , a member of the Society for Advancing Business Editing and Writing, contributes to his financial education site, Finance Strategists, and has spoken to various financial communities such as the CFA Institute, as well as university students like his Alma mater, Biola University , where he received a bachelor of science in business and data analytics.

To learn more about True, visit his personal website or view his author profiles on Amazon , Nasdaq and Forbes .

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Apply for probate by post if there is not a will: Form PA1A

Use this form to apply for letters of administration to manage the estate of the person who has died if they have not left a will.

Apply for probate online

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If you are applying online, you do not need to submit a paper application as well.

You can apply for the legal right to manage the estate of someone who has died and did not leave a will. You will receive ‘letters of administration’ to prove your legal right to manage their estate.

Who can apply

You can apply to be an administrator of the estate if you are the most entitled inheritor, use this inheritance calculator tool to work who is most entitled.

You can also apply as a probate practitioner on behalf of the administrator.

You cannot apply if you were the partner of the person but were not their spouse or civil partner when they died. You are not automatically entitled to any of their estates unless you are able to make changes to the inheritance .

Apply as an administrator without a probate practitioner

Download the ‘citizen applicants’ form to apply by post.

Alternatively, you can apply for probate online .

Use this guide to help you apply for probate without help from a probate practitioner.

Apply as a probate practitioner

Download the ‘probate practitioners’ form to apply by post. Alternatively, you can apply online if you or your practice have a MyHMCTS account.

Work out who inherits

The law decides who inherits the estate if there is no will. Work out who will inherit .

Before you apply

You will need to:

report the value of the estate of the person who died to HMRC and
pay any inheritance tax due

How to apply

To apply for the letters of administration:

Download the correct paper form.

Fill in all sections that apply.

Print the form.

Sign and date the application.

Include a cheque with your application (see How to pay ).

Send your completed form and supporting documents to:

HMCTS Probate PO Box 12625 Harlow CM20 9QE

You must pay by sending a cheque payable to ‘HM Courts and Tribunals Service’ with your documents.

How long it will take

It can take up to 16 weeks to process your application if there is no delay in receiving your documents.

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What is a Letter of Administration? How Do I Get One?

A letter of administration is an informal name sometimes given to a document issued by the Surrogate’s Court which permits a person to act on behalf of an estate of a person who died without leaving a will . What is a letter of administration? The document is actually called Letters of Administration, and it’s not a letter – it’s a court order. The confusion stems from the fact that Order used to be called Letter hundreds of years ago.

To get a letter of administration, your attorney would file a petition with the probate court requesting it be issued. If you need to consult with an attorney, you can send us an email at [email protected] or call us at 212-233-1233 .

What is a letter of administration? A letter of administration authorizes a person to act as a representative of an estate. They allow a person to perform the responsibilities of an estate. Here are some of the things a person can do once they are appointed as an administrator of an estate by a letter of administration issued by the Surrogate’s Court:

Obtain a tax id number for an estate from the federal government
Open an estate bank account
Request information from banks and other institutions that control the decedent’s assets. The banks will comply if you show them the Letters of Administration and the death certificate
Transfer assets from the decedent’s name to the name of the estate
Pay debts of the decedent
Collect claims of the decedent
Marshal assets of the estate
Distribute the estate assets to the beneficiaries of the estate, after obtaining proper waivers or providing an accounting

Those things would be impossible to do without a letter of administration. The banks will not give you information and will not transfer the assets, the county recorder will not record property deeds, and a buyer will not buy a property from you.

Certificates

You often need more than one, since each bank and government agency would require an original. Also, some institutions require a more official-looking document. This is why the court can also issue a Certificate of Appointment of Administrator, which is printed on a watermarked blue paper and looks similar to a death certificate, birth certificate or marriage certificate.

Who Can Get a Letter of Administration

Letters of administration are issued when a person died without a will, to a person who applies and is appointed by the court as the administrator of a deceased person’s estate. A person can only be an administrator if they are related to the person who died. The spouse of the decedent gets a preference, followed by children, grandchildren, other descendants, parents, siblings, etc.

If a person died and no one stepped forward to be the administrator of their estate, then Letters of Administration will be issued to the Public Administrator of the county where the decedent lived.

How to Get a Letter of Administration

In order to get a letter of administration, you will need your estate attorney to apply for them through the Surrogate’s Court. Your attorney will need to submit the appropriate documents, which may include Petition for Administration of Estate, the original death certificate, notices and citations, copy of the funeral bill, affidavit of heirship, affidavit of family tree, affidavit of due diligence, etc.. There will be a hearing in the Surrogate’s Court whereby your candidacy for the Letters of Administration will be considered by the judge.

Ancillary Administration

Even if the decedent died in a different state, and you have Letters of Administration from that state, you will still need to obtain separate A letter of administration, by verifying out-of-state Letters of Administration through a New York ancillary administration proceeding.

How Long Does it Take

It typically takes a few months to get a letter of administration. If the administration proceeding is contested, i.e. if someone is contesting your right to become the estate administrator, then getting letters of administration can take years, or they can be potentially denied altogether, with either the challenger or the public administrator getting the letters instead. Although getting the letters is only one of the steps of New York administration proceeding, it is the most important step.

What if there is a will?

If the person who died left a will, then the document will be similar and with similar powers, but it will be called “ Letters Testamentary ,” and the Certificate will be called “ Certificate of the Appointment of Executor .”

Call the Law Offices of Albert Goodwin at (212) 233-1233 , New York estate, guardianship, wills, trust, Medicaid and probate lawyer, and make an appointment to discuss obtaining Letters of Administration.

Tel. 212-233-1233

Albert Goodwin, Esq. is a licenced New York attorney with over 15 years of courtroom experience. His extensive knowledge and expertise make him well-qualified to write authoritative articles on a wide range of legal topics.

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Letters of Administration

What are letters of administration.

Letters of administration are the legal documents in probate that give people the legal authority to access and manage an estate’s assets after someone passes away intestate .

These letters are often an early step in the probate process, which is the official settling of someone’s assets, taxes, and accounts when they pass away.

You need them to get access to sensitive accounts and belongings.

For example, with these letters of administration, an executor or personal representative (the person officially settling the estate on behalf of the family) is able to close bank accounts, sell estate property, and distribute assets to beneficiaries .

When probate is required, that document executors and administrators receive is called “Letters of Administration”.

The document issued by the probate court is based on whether the deceased (known as the decedent) died with a Will or without one.

For example, in California, if the decedent had a Will, the court will issue “Letters Testamentary” and if the decedent did not have a Will, the court will issue “Letters of Administration”.

“Letters of Administration” may also be issued if a will doesn’t name an executor, if the named Executor is unable to serve for medical or legal reasons, or if the Will is contested or deemed invalid.

What you need to know

Letters of Administration give executors and personal representatives the ability to access sensitive accounts and other assets on behalf of the deceased.

Many institutions will also make you show a death certificate with your letters of administration.

Letters of Administration and Letters Testamentary are very similar but letters of administration are given when someone passes intestate, and letters testamentary are given when someone passes testate .

You normally have to initiate and/or petition for probate to receive your letters from the probate court.

What Letters of Administration really means

Just like your bank confirms who you are before giving you any information about it, the same happens when someone passes away.

Banks, brokerages, email accounts, and other assets will require proof that you are legally authorized to access the deceased’s accounts.

In short, you need authorization, which is given by the probate court, in the form of these letters.

Usually when you request to manage an account, the institution will ask for your letters of administration or letters testamentary along with a death certificate and any additional forms the company requests.

Young woman pauses pensively while handwriting condolence note

Let's look at an example of Letters of Administration

Let's say Mary from San Antonio's father died, and she was named executor or personal representative in the will. One of the first things she tries to do after he passes is gain access to his bank account, but the bank says they need to see her letters of administration and a death certificate. So, she petitions the court to begin the probate process and after she is officially recognized as the executor, she receives a her letters of administration signed by the probate court. Then, she sends those to the bank along with the death certificate and receives access to that account.

What do letters of administration look like?

Like this:

This is an example from Florida. In this case, the person named in the will as personal representative or executor, or the person who stepped up to that position, will be given these after being officially appointed in probate court.

Then, you would forward this to any bank or company who needs to see it before giving you access to sensitive accounts and information.

👉 Get the letters of administration for your state

Are letters of administration and letters testamentary the same thing?

Not quite. They offer similar authority to executors, but you receive letters testamentary when a will is involved, and you receive letters of administration when the individual passed away intestate, or without a will.

Who applies for Letters of Administration?

You need to apply for Letters of Administration if you are the executor named in the decedent’s will, although it is possible to refuse to serve. If the decedent did not have a will, the closest living relative needs to apply. This is usually the decedent’s surviving spouse or child.

Sometimes, multiple children will apply to be co-executors and the Letters will name them both. However, keep in mind that all executors must sign all documents where an executor’s signature is required and some banks will not work with co-executors.

How does someone get their Letters of Administration?

File an application for probate ( go here to get the forms you need using Atticus , or google "application for probate" with your county and state afterward).
File that form with the court in the country where the person permanently resided (known as their domicile ).
Let family members, heirs, creditors, and other beneficiaries know
Attend the probate hearing
Be appointed as executor or personal representative by the judge
Get your letters from the court
Fulfill the rest of your duties as executor or personal representative

Nathan Phelps

Nathan is a Sr. Content Lead at Atticus and owner of Crafted Copy, a boutique copywriting and marketing shop based out of Nashville, TN. He has written hundreds of articles, white papers, and emails in industries like estate settlement, finance, and psychology, and his writing is read by millions of people across the internet each year.

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How to Apply for Letters of Administration

Advice options, baffled by the probate process let’s find you a probate advisor.

Letters of Administration are required in some cases to deal with an estate when someone dies without leaving a will. Where necessary, an application to a Court needs to be made to obtain the legal right to deal with any property and assets, settle debts and deal with tax liabilities. Whereas Executors are appointed under a Will, in the absence of one, the next of kin may need to apply for Letters of Administration for permission to administer the estate. The process of dealing with the estate is commonly called ‘Probate’.

If you are baffled by the probate process and curious about the cost of professional probate support complete our simple online form for a probate quote .

Do I need Letters of Administration?

Letters of Administration are not always needed. In the case of a very small estate or where jointly owned property passes on to others automatically on death, or where there is only cash savings or Premium Bonds, no application will be required. A small estate is usually defined as one valued at less than five thousand pounds. In those situations it may be possible to deal with banks or other organisations involved without needing to go through any formal Probate process. They will often agree to release smaller sums without Letters of Administration, but each institution has its own rules so it is check with each one before deciding to apply.

Letters of Administration will be needed where the deceased owned property which is not held as a joint tenant with others or where there are savings, investments and other assets in excess of five thousand pounds. Before applying for Letters of Administration the estate will need to be properly valued. Inheritance Tax may be payable and generally some of the tax due will have to be paid before Letters of Administration can be granted.

Before lodging an application it is sensible to seek professional advice to ensure it is necessary and where it is, to make sure the proper procedures are followed. Valuing an estate or identifying assets accurately is not always easy and the right advice can save time and money.

Who can Apply for Letters of Administration?

Once it is confirmed that there is no valid Will in existence, and the application is necessary, there are strict rules on who can apply. You can apply for Letters of Administration if you’re the deceased person’s next of kin, and the type of relative who can apply follows a strict order of priority. These are each in turn:

the married partner or civil partner of the deceased
a child of the deceased (including adopted children, but not step-children)
a brother or sister
a grandparent
an uncle or aunt

An Application Letters of Administration can be made by a person still married or in a civil partnership with the deceased even they were separated at the time of death. An Application cannot be made by the partner of the deceased if they were not a spouse or civil partner when they died. If you are in any doubt about whether you can apply seek help from a probate practitioner.

To obtain Letters of Administration, a Form called a PA1A must be completed. This needs to be sent to the nearest district probate registry along with the death certificate.

Full documentary proof of all of the assets owned will be needed as well as details of any debts owed. This is so that the estate can be properly valued and any tax due calculated. The correct Inheritance Tax Form has to be sent at the same time.

There is an application fee to pay (the latest fees are published by HMCTS in a document called the PA3 ) and a small additional fee is payable for each copy required. It is sensible to have some extra official copies of the Letters of Administration for each institution you need to deal with in order to save time. This means not having to wait for the document to be returned each time before sending it on elsewhere.

The application for Letters of Administration can be made online or by post. The application will usually take between 10-20 days to process but there can be significant delays caused by the workload of the Probate Registries. Often there can be backlogs of many weeks.

Be aware that the application will be returned if not completed properly, supported by the necessary documents and accompanied by the correct fee. The Probate process can be stressful and time consuming. It is essential therefore that the application is properly lodged first time, so if there is any uncertainty about what is needed do seek professional advice at the earliest opportunity.

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Step By Step Guide On Application For Letters Of Administration In Nigeria

Contributor.

INTRODUCTION

While the benefits of having a Will executed and properly lodged at the Probate Registry before a Testator's death cannot be overemphasised 1, it is not unusual in the Nigerian clime to find a deceased person who is yet to make a Will before his death (i.e., died intestate).

The law made provisions to accommodate this circumstance by laying down the procedures for the grant /issuance of Letter of Administration (L.A) for the Estate of the deceased. Without the grant of the LA, the beneficiaries cannot legally access the monies or deal with the properties of the deceased. Until the LA is granted, the properties of the deceased are deemed to be vested in the Chief Judge of the State, wherein the deceased resided.

It must be noted that LA is granted upon application by a person entitled either personally or through his legal practitioner to the Probate Registrar. The application can be submitted by the legal practitioner on the behalf of the proposed administrators but a Legal practitioner cannot be made a co-applicant or sole applicant. This is one of the many differences between the application for grant of probate and LA, as there are specific persons that can be granted the powers. Usually, forms issued to the applicant are to be returned, upon completion, to the Probate Registry.

Furthermore, grant of LA is ideally to be made within 3(three) months (in Lagos state) or 6(six) months (In Abuja) from the death of the testator where he died intestate and every application for grant of LA are usually published to allow for objections and the filing of caveats.

It is understandably in the interest of security, transparency, and continuity, that one person cannot be granted the LA. It can only be granted to at least two people and a maximum of 4(four) persons. The only exception is where a Trust Corporation or the Administrator-General is appointed as Sole Administrator.

A. PERSONS ENTITLED TO APPLY FOR G RANT OF LETTERS OF ADMINISTRATION

There is an order/priority for who can apply as of right for a grant of the LA under the law as follows:

Husband or wife of the deceased
Children of the deceased or the surviving issue of a child who died in the lifetime of the deceased
Father or mother of the deceased or the surviving issue of a child who died in the lifetime of the deceased
Brothers or sisters of the deceased of full blood and the children of such brothers or sisters who died in the lifetime of the deceased
Brothers or sisters of half-blood of the deceased
Grandfather or grandmother of the deceased
Uncles and aunts of full blood or their children2
Creditors of the Deceased
Administrator General (where all the preceding fail)

B. DOCUMENTARY REQUIREMENTS

Before initiating the process, it is imperative to know and have ready all the required documents that will be needed as itemised below:

i. Application Letter addressed to the Probate Registrar (either in Ikeja or Lagos) and containing the following

Full names and address of the deceased
Date of death of the deceased
Place of residence of the deceased shortly before his death
Full names and addresses of the proposed Administrator

ii. The Application Letter shall be accompanied with the

Death Certificate of the deceased
Passport photo of the deceased
Passport photos of all the proposed Administrators
ID Cards of all the proposed Administrators
Phone numbers of the Administrators, beneficiaries and close relation of the deceased (which may be either father, mother, brother or sister)

iii. Filing and submission of the following Forms, together with the Payment Invoice:

Application for A Grant of Letters of Administration (Without Will)
Oath for Administration (Without Will)
Administration Bond (Without Will)
Particulars of Freehold/Leasehold Property Left by Deceased
Declarations as To Next-Of-Kin
Schedule of Debts Due by The Deceased

iv. The Bank Certificate will be given to you after you have paid for the Form Fees.

v. Gather all the assets of the deceased (both movable and immovable), get the balance standing to the credit of the deceased stamped on the Bank Certificate and resubmit for assessment.

vi. Payment of all requisite Estate Fees as assessed

vii. Scheduling of an interview at the Probate Registry to confirm that the information you provided the Court and the Probate is true.

viii. Publication in the Newspaper or the Gazette in order to allow the public or any interested person the opportunity to object and file a caveat to the Grant of Letters of Administration to the applicants. A period of 21 days is usually pegged for taking of objections on the application.

ix. If no objection is received within 21 days, the file will move to Probate Judge's office for necessary action.

x. Upon assessment at the Probate Judge's office, if every information in the file is confirmed and there are no complications attached to the file, then the Letters of Administration will be granted and issued accordingly.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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Letters of Administration

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Sometimes a person dies without naming an executor to deal with their estate. They may also have named and executor who is unwilling or unable to act. In these situations, Letters of Administration are required to handle the estate.

Application for Letters of Administration

It may be necessary to appoint an administrator to deal with an estate where there is no executor. In situations such as these, certain people can apply to the court for Letters of Administration.

The required court forms are available online in Part 16 of the King’s Bench Forms and on saskatchewan.ca .

The law sets out the priority for who may apply. The order is different depending on whether there was a Will. If there was a Will, but no executor was named or is willing or able to act, beneficiaries can apply first. If there was no Will at all, priority goes in the following order:

grandchildren
nephews and nieces
any further next of kin
any creditors of the deceased
the public guardian and trustee

Up to three people may apply to jointly administer the estate. Anyone with greater or equal rights to apply who does not want to must file a renunciation form.

If there is a Will, but no executor, it is called Letters of Administration with Will Annexed. If there is no Will at all, it is simply called Letters of Administration. Documents similar to what an executor files for Letters Probate must be filed.

The court may require an administrator to post a bond to help ensure that the estate is properly administered. A bond may not be required if all creditors and beneficiaries consent. A bond may also not be required if the estate has no debts and any of the following apply:

the value of the estate is less than $25,000
the administrator is the sole beneficiary
all beneficiaries consent

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This content has been reviewed by Canadian estate planning experts or legal professionals. Our editorial team is committed to ensuring the accuracy and currency of content related to estate planning, online wills, probate, powers of attorney, guardianship, and other related topics. Our goal is to provide reliable, up-to-date information to assist you in understanding these complex topics.

Understanding Letters of Administration Without a Will

When a person passes away, the first question their provincial court is likely to have is: Did they have a legal will ? When a person passes away with a will and an estate plan, their will becomes a guide for their executor on how to take care of their funeral arrangements, financial affairs, and the distribution of their assets and belongings.

So when someone passes away without a will ( intestate ), there’s no appointed executor to carry out their final wishes. In this case, an estate administrator is needed. To become the estate administrator, a person must apply for a letter of administration—a legal document that gives them the authority to manage and distribute the deceased’s estate.

In this article, we’ll explore the process of becoming an estate administrator and the implications of obtaining a letter of administration when there is no will. We’ll also go through the steps involved in estate administration under intestate conditions, and the challenges that come with administering an estate without a will to guide you.

Introduction to Intestate Estates

When a person is named in a will to manage and distribute an estate, they are called an executor . As per the deceased’s wishes , they can assume the role and become responsible for the testator’s estate immediately or soon after the testator of the will passes away.

But when the owner of an estate passes away intestate, not just anyone can step up to take responsibility for their estate.

Someone relevant to the estate, such as an heir, beneficiary, or someone close to the deceased, will have to apply to the court to be appointed as the estate administrator of the deceased person's estate. If no one steps up to take on the responsibility of this position, the court will appoint a public trustee instead.

But the person who takes on the role of the estate administrator cannot start immediately. They must wait until the court gives permission through a letter of administration, which can take a while due to the nature of the legal system.

What is a letter of administration in Canada?

A letter of administration is an official document issued by a provincial court that grants a person permission to access estate assets, finances, and more so they can manage an estate after the estate owner passes away without a will.

What is the difference between a letter of probate and a letter of administration?

A letter of administration and a letter of probate have the same ultimate purpose: to give the ability to manage and settle an estate. But while a grant of probate is applied for by an executor of an estate with a will, a letter of administration can only be applied for and given for estates without an executor or a will.

Legal Process for Obtaining the Letter

To get a letter of administration when there is no will, you need to submit a series of documents to the local court, and the process is very similar to applying for probate.

Below is a list of steps and documents you’ll need for each, though specific details may vary from province to province.

Step 1: Notify others of your intention to apply

The first form is the notice of application form. You send this form to anyone related to the estate or related to the deceased, which may require some legal heir determination. Heirs tend to include the deceased person’s spouse, children, and blood relatives. They could be any person who would be legally entitled to a share in the estate. It’s important to note that in many provinces in Canada, common-law partners are not considered to be legal heirs.

In some provinces, such as British Columbia, you need to deliver these application notices at least 21 days before you submit your application for a letter of administration. This is so you can allow all relevant parties enough time to dispute your application, if they want to.

Step 2: Compile your application

After the provincial-mandated time between notifying relevant parties has passed, you can compile your application for your letter of administration to the court. This application will most likely include the following documents:

A submission for an estate grant , which gives details about your application for administration.
An affidavit of the applicant , which identifies you and your relationship to the deceased. There are often different versions of this document depending on if there is a will or not. If there is no will, the document you’ll need to use will likely have a section where you must swear that you made a diligent search for the will, that you followed the law’s requirements of searching in every place that could reasonably be considered a place where a will may be found for the deceased. If you are also an heir, you may need to submit an heirship affidavit as well.
An affidavit of delivery , which confirms that notice of your application was delivered to everyone required.
An affidavit of assets and liabilities , which outlines all the deceased’s assets and liabilities that would be part of the estate.
Copies of a certificate of wills search , in addition to any accompanying wills searches. You can get these by doing a search of the wills registry .

Other documents may be required for your application, depending on your province.

Step 3: Submit your application and pay probate fees

Time to submit the application and all relevant documents. Typically, the courts may ask you to pay probate fees for the estate before you can receive your letter of administration. You’ll pay some of all of the probate fees related to the application when you submit the application itself. Not all estates require probate fees, as they are generally proportional to the value of the estate.

How to calculate probate fees if you’re in Ontario →

How to calculate probate fees if you’re in BC →

Step 4: Administer the estate

Once you’ve obtained your letter, you can proceed with accessing the estate’s assets and managing and distributing them according to provincial law.

Duties of the Administrator

As roles, estate executors and administrators are almost exactly the same. The only differences are how the person is appointed and whether or not they have a will to follow.

Like executor responsibilities , estate administrators are responsible for:

Settling estate debts and liabilities
Distributing assets to beneficiaries based on intestate succession law
If needed, selling property and/or businesses
Completing final tax returns
Communicating with heirs and beneficiaries

Rights of Heirs and Beneficiaries

Regardless of whether there is a will, heirs and beneficiaries don’t have legal rights, but they do have expectations that should be met. If these expectations are not met, court action is possible.

If there is an estate administrator and no will, the legal expectations of the heirs and beneficiaries would include:

The administrator provides all heirs and beneficiaries with notice when they apply for the letter of administration and begin the probate process.
The administrator makes distributions to heirs and beneficiaries based on succession law.
The administrator prepares records for beneficiaries of assets of the estates, including their conditions and the residue of the estate from all the administrator’s dealings.
The administrator acts in the best interest of the heirs and beneficiaries at all times, always treating them equally and communicating with them often.

Should these expectations not be met, the heirs and beneficiaries of the estate are entitled to take the issue to court to have the administrator removed.

Potential Legal Challenges

Estate administrators, like executors, are not protected from their actions being contested. If they take advantage of their role and engage in self-dealing, they can face legal consequences. If their actions are not considered satisfactory to an heir or beneficiary and their role is contested, they may lose their position.

Settling an estate also tends to take longer when there is no will, as the administrator has to work without a pre-existing plan for the estate, and must navigate succession laws instead of final wishes from the deceased.

Practical Tips for Estate Management

Cornerstones of success in managing an estate include staying in open communication with heirs and beneficiaries, understanding the nuances of inheritance and estate laws, keeping detailed records, and knowing how to work efficiently and fairly.

But the first step to making sure your own estate is taken care of is to make your will, which you can do easily online !

The easiest way to create a legal will. No lawyer required. Start yours for free →

To learn more about an administrator’s responsibilities, check out these articles:

What happens when you die without a will
What happens to your bank accounts when you pass away
What happens to your debt when you die in Canada
What executors and administrators have to disclose to beneficiaries

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Applying for Letters of Administration

Step by step guide

You must apply for Letters of Administration within six months from the date of death, unless there is a reasonable explanation for the delay. If you apply after six months, you will need to file an affidavit of delay at the Supreme Court of NSW.

Step 1: Prepare your documents

You will need the following documents before you apply for Letters of Administration:

the original Death Certificate
the original will if there is no executor named or the executor is unable or unwilling to act, and you are applying for Letters of Administration with the will annexe

You will also need:

the full name of the deceased 
the last address the deceased 
the date of death
the address and details of any assets (property) in NSW
details of any debts owed by the deceased
the full names of the beneficiaries under the rules of intestacy, including their age and entitlements
an email address for notices to be sent.

You may also need certified copies of the following documents, to prove who the beneficiaries are:

Marriage Certificate of the deceased person,
Birth Certificate of the deceased person,
Birth Certificate(s) of other people entitled under intestacy,
Death Certificate(s) of any person who would have been entitled under intestacy
Divorce Certificate or evidence that the deceased was divorced from any person who would have been entitled under intestacy.

You should make extra photocopies of the documents for your own records. You should consider getting certified copies of the original documents.

Step 2: Register an account with the Probate Service

If your application is uncontested, you can make an application for Letters of Administration using the Probate Service. If your application is complex, you should get advice from a private lawyer.

There are fees for making an application which are payable by credit card.

Once you have registered, you can log on to your account by clicking on the Probate tile on the NSW Online Registry website, or the Probate Service on the Supreme Court of NSW website.

If you do not have access to the internet or if you do not own a credit card, you may visit the Supreme Court registry in person for assistance.

Step 3: Apply for a grant of representation online

Once you log in to your account on the Probate Service, you can apply for a grant of representation by answering questions about the deceased, their assets (property) and about yourself as the applicant applying for Letters of Administration, or Letters of Administration with the will annexed.

If you need help with your application, click on the Help & Support tab on the Probate Service for instructions. You can also use the applicant checklist.

If you don’t have all the information you need, you can save your application and continue later.

The Notice of Intended Application will be published when you apply for a grant of representation.

Step 4: Download and print the forms

The Probate service will automatically generate and pre-fill the following forms for you to download and print:

Summons for Administration (Form 111) (or Letters of Administration with the Will Annexed)
Grant of Administration (Form 112) (or Grant for Letters of Administration with the Will Annexed)
Inventory of Property (Form 117)
Affidavit of Applicant for Administration (Form 119)
Affidavit of the Application for Administration with the Will Annexed (Form 120)

Depending on your responses, you may also be required to complete the following forms separately:

Affidavit that Deceased was not in a De facto Relationship (Form 126)
Consent to Administration (Form 125)
Affidavit of Service (Form 41)

You can download these forms from the Uniform Civil Procedure Rules (UCPR) website. 

Instructions: Affidavit that Deceased was not in a De facto Relationship Sample: Affidavit that Deceased was not in a De facto Relationship

Instructions: Consent to Administration Sample: Consent to Administration

Instructions: Affidavit of Service Sample: Affidavit of Service

Step 5: Sign the forms in front of a witness

You will need to sign the printed forms in front of a prescribed witness (Lawyer or Justice of the Peace) who will verify your identity. The witness must also sign and write their details.

For more information about where to find a Justice of the Peace, see   Finding a JP  on the Department of Communities & Justice website. 

It is a good idea to keep a certified copy of the original death certificate before you file it with the Court. Alternatively, you can also apply for a new death certificate from Service NSW for a fee. If you want to apply for a new death certificate, see Death certificates on the NSW Government website.

Step 6: Upload the documents

You will be prompted to upload the following documents with the Supreme Court of NSW:

Summons (Form 111)
Grant of Administration (Form 112)
Affidavit of Applicant for Administration (UCPR form 119)
Affidavit of Applicant for Administration with the will annexed (UCPR form 120)
The original death certificate
The will, if applying for Letters of Administration with the will annexed.

You must pay a filing fee if the gross value of the estate is more than $100,000.  The filing fee varies according to the gross (total) value of the estate.

For more information, see Current fees on the Supreme Court of NSW website.

If you can’t afford to pay the filing fee, you can apply for a waiver, postponement or reduction of the fee.

For more information, see  Fee Postponement, Waiver, Refund & Reduction forms on the Supreme Court of NSW website.

Step 7: File the original will by post or in person

If you are applying for Letters of Administration with the will annexed, you will need to also file the original will including any codicils by post or in person to the Supreme Court of NSW registry.

You must provide a copy of the covering letter generated online or a covering letter that includes the case number for your application.

Follow the instructions provided to you and remember to keep a copy of all documents before filing with the Court. The Court will not return the original will. 

Step 8: Respond to requisitions from the Court

If your application is incomplete or incorrect, you will receive requisitions from the Court by email which explains the problems with your application.

You will need to either re-file a form or file a separate affidavit to answer the requisition.

The Court will not grant Letters of Administration until you have answered the requisition. The Court may raise further requisitions if the Court is not satisfied with your response.

Your application may be dismissed if you fail to respond to the requisition or if you do not ask for more time to respond to the requisition.

Step 9: After Letters of Administration is granted

If there are no problems with your application and documents, and after any requisitions are finalised, the Court will grant Letters of Administration. You will be notified by email.

You do not need to attend court as the Registrar will do this in Chambers (not in an open court).

For more information, see  Distributing the estate .

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Everything You Need to Know About Letters of Administration in California

Obtaining a letter of administration is one of the first things a personal administrator should do when settling an estate, here's what you need to know about them..

Written by Sara Hillier
Posted on September 23, 2022

Fact Checked

The content on this page has been reviewed by qualified CFP's, TEP's, Tax accountants & Practicing and past lawyers to ensure it is factually accurate, meets current industry standards and helps readers achieve a better understanding of probate, estate planning, and estate taxes for your loved one.

Article Contents

What are letters of administration?

Who is entitled to letters of administration, how to obtain letters of administration in california, what you’ll need to file for a letter of administration, why do you need letters of administration, are ‘letters of special administration’ the same as letters of administration.

Settling the estate of a loved one is hard, but settling an estate without a will - otherwise known as an intestate estate, makes it even harder.

To begin settling an intestate estate, the personal representative must file for a letter of administration before they can begin filing for probate .

Obtaining a letter of administration is the first step for a personal administrator to take when it comes to settling the estate.

This process can be complicated, and certain requirements must be met in order to be eligible.

Here's what you need to know about obtaining letters of administration in California:

Issued by the California probate court, Letters of Administration is a document that personal administrators use to officially provide proof of their authority to act on behalf of a deceased person’s estate.

Letters of administration are required for handling the affairs of the deceased who died without a will, otherwise known as dying "intestate".

In order of priority, the following persons are authorized to receive a Letter of Administration:

A surviving spouse, or a domestic partner as defined in Section 37 , which specifies one or two persons who have a Declaration of Domestic Partnership filed with the California Secretary of State’s office.
Children of the deceased.
Grandchildren of the deceased.
Other persons, with approval of the probate court judge.

To start the process of obtaining a letter of administration, you must fill out Form DE-150 .

The completed form DE-150 should then be submitted to the probate court in the county in which the deceased resided in at the time of death.

Once approved and signed by the probate court judge, you will be ready to move forward, taking the necessary steps to administer the estate.

Form DE-150 sample provided by the state of California

Prior to submitting the DE-150, be sure to secure a copy of the decedent’s death certificate that will subsequently be submitted to the court.

This can usually be obtained from the funeral home; and now would be a good time to request a few extra copies, as you may need them further down the road in this process. The original certificate will need to be submitted to the probate court, along with your DE-150 application.

Your next step is to develop a list of relatives who should be made aware of your official capacity as personal representative for the estate.

You may already know these family members, but they and any other potential heirs need to be contacted directly by you.

Obtaining as much financial information as possible about the decedent comes next, as it is imperative that you know what assets and debts have been left to deal with.

Some financial institutions may be unwilling to provide you with information until the Letters of Administration have been approved, but you should still be able to gather information about bank accounts, mortgages, property, credit cards, loans, stock or mutual fund investments, and any life insurance policies.

The probate court will accept estimates if you are unable to advise exact dollar amounts at this time. Be prepared, as well, to provide any tax forms that are required to be attached to the request for Letters of Administration.

You are now ready to file the DE-150 application with the county court where the deceased resided at the time of death.

To be a personal representative of an estate in California: you must be at least 18 years of age, a U.S. citizen, and cannot have a criminal record with felony convictions.

It isn’t unusual for some third parties to require proof of your authority to act on behalf of the deceased.

Having obtained ‘Letters’ you now have this proof, so you shouldn’t run into difficulty when needing to speak with or collect information about various accounts that the decedent possessed.

Your needs may run the gamut from collecting assets, to cancelling accounts and paying estate expenses. Banks, state and federal tax authorities, financial management firms, life insurers, mortgage companies, trustees, and the Department of Motor Vehicles (DMV), will now be more forthcoming in providing the information you are seeking.

Obtaining a letter of administration may take longer than you think

Be aware that it may take four to six weeks before your application receives approval, depending on how busy the county probate court is at the time of filing.

However, the probate process, which typically lasts at least four months, and often longer, has begun.

To put it simply, no, Letters of Special Administration and Letters of Administration are not the same.

While the personal administrator is working to pull together all that is required for the DE-150 application to be submitted, they may need to request probate court authorization for certain limited acts on behalf of the estate to move forward.

This is particularly acute if there are assets of the deceased that may need to be protected. Letters of Special Administration are also accessed for quicker approval of permanent administration powers in the event of a contested Will.

These ‘Letters’ are for short-term situations that need to be managed prior to the Letters of Administration approval by a judge. Examples of this would be the transfer of an asset, such as a motor vehicle, to an heir that requires the vehicle ownership to be transferred as quickly as possible.

If the decedent sold real property and opened an escrow but died before it could be closed, letters of special administration may also need to be issued.

Payment of a specific bill may also be authorized using this quicker appointment, denoting an urgency that the court has examined and expressed concurrence.

To note; the powers of a special administrator no longer stand if the court has issued letters of administration to a personal representative or otherwise given a court order.

To wrap things up:

- The first step a personal administrator should take is to file for a letter of administration using the DE-150 form.

- The letter of administration legally provides the personal administrator authority to settle the estate of the deceased.

- Letters of special administration are usually required under "special" circumstances; the estate requires an immediate personal representative, the estate requires time-sensitive administration.

Intestate estates can experience delays

If you need help settling an intestate estate in California, our team can assist you. We have the experience and resources to make the process as smooth and stress-free as possible for all involved.

Sara is a designated TEP (Trust and Estate Practitioner) and MTI (Member Trust Institute) with 14 years of experience in the estate planning and settlement fields. Sara uses her extensive knowledge to provide thoughtful and compassionate guidance in an approachable manner.

Get free, personalized guidance from our estate specialists who have guided over 10,000 families through probate. Book a free, no hassle and confidential consultation today.

Let our estate specialists provide the support you need. Book your free 30-minute consultation for personalized, effective probate guidance.

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Administrative

Administrative cover letter example

Administrative cover letter middle part (body)

Key takeaways for an administrative cover letter.

The administrative desks of any company are its nerve centers. All information flows into and out of it. That means when hiring managers look to fill administrative positions, they need someone who can handle whatever comes at them with grace and efficiency. A great administrative cover letter gets your application to the top of the pile by showing off how you keep your department running smoothly.

The devil is in the detail, so how do you set yourself apart in a 400-word document? Rely on the experts to help!

In this cover letter guide, along with the corresponding administrative cover letter examples, we’ll cover the following topics to help you write the best cover letter possible:

How to choose the best cover letter format and what paragraphs the cover letter should include
How to make the most of each portion of your letter (header, greeting, intro, body and conclusion)
What approach to take when writing your cover letter
How to avoid common mistakes when writing your administrative cover letter.

What is the purpose of a cover letter when you have a great resume? (If you need help there, check out our resume guides as well.) What will make hiring managers sit up and take notice? The guide below will analyze the details and answer those questions (you can also check out our library of 125+ cover letter examples ).

Best format for an administrative cover letter

Organization is the name of the game for administrative professionals, so show off your talents with a well-formatted cover letter. Your application letter should contain:

The cover letter header
The greeting / salutation
The cover letter intro
The middle paragraphs (body of the letter)
The ending paragraph of your cover letter (conclusion and call-to-action)

While these sections are standard, what you put in them is not. Before you begin, consider each company you plan to apply to. Get an understanding of its culture and mission. Find out how many people you will work with, if possible. All this information will guide the tone you take and the message you choose to deliver.

Cover letters are individual documents

What do we mean by that? You really won’t be creating one letter, but many variations on the theme. Why? Two main reasons:

Each job is different, and each administrative cover letter should reflect that
You need to take the ATS into account in each part of your application, not just your resume so use those keywords and phrases in your letter, too.

Every time you apply for a new job, review your cover letter and make any and all necessary changes to address the needs of your prospective employer.

The comprehensive cover letter guide is a great read for general advice on writing cover letters, but the remainder of this text gets deeper into each paragraph and how best to compile it.

The administrative cover letter example below gives an overview of how to create your own application:

Dear Ms. Fisher,

As an administrative assistant within the legal sector, I am used to the exacting nature of the role. I am working towards my paralegal qualifications and enjoy getting involved in every aspect of the practice. The fixed-term role will be an ideal fit for my studies.

For the last several years I have worked as an administrative assistant in two very busy law offices, where I utilized my strengths to provide optimal front-end and back-end support to office staff. I am adept in working to fulfill administrative and clerical duties to ensure that offices run smoothly. I have assisted with three of the highest profile legal cases in the state last year and am used to varied project workloads. My love for organizing is what led me to supplement my studies in the administrative field, and my thirst for knowledge ensures that I get involved in every possible way. Please know that I understand what a crucial role an administrative assistant is – your legal teams need someone who appreciates the nuances of the legal process.

I look forward to the chance of meeting and understanding your expectations for the role. Feel free to contact me at your earliest convenience.

Best Regards,

Jeff Martabano

If you need additional inspiration for cover letter writing, you can check out our related administrative cover letter samples:

Customer Service Representative cover letter sample
Administrative Assistant cover letter sample
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Office Administrator cover letter sample
Office Assistant cover letter sample
Office Manager cover letter sample
Personal Assistant cover letter sample
Administrative Officer cover letter sample
Call Center cover letter sample
Front Desk Receptionist cover letter sample
Virtual Assistant cover letter sample
Secretary cover letter sample

Cover letter header

Make the most of the only design element your administrative cover letter contains. Administrative workers need to present a cool as a cucumber image to the office at all times. A cleanly attractive header helps you establish that image at first glance.

That’s a bonus benefit of the header, whose main purpose is to display your contact information. This section should contain your name, email and best contact phone number in legible type.

Although you want to create a memorable image with your header, make sure above all that it is readable. You don’t want to place any obstacles in the way of your goal. You're writing this letter to get an interview, so make it easy for recruiters to schedule with you.

Be open to a phone screening interview or a video meeting. Prepare for these the same way you would for an in-person interview. The nice thing about a phone screening is you don’t need to get dressed up and you can keep some notes in front of you as reminders.

The aim of this section: Lay the groundwork for you image as an organized professional and make sure your contact information is in the forefront.

Cover letter greeting

The greeting of your administrative cover letter is just a few words, but they carry weight. Why? People warm up if they are addressed by name. “A person’s name is to that person, the sweetest, most important sound in any language,” Dale Carnegie, the guru of self-improvement and corporate training once said.

That’s why you should start off by using the name of the hiring manager, or if you can find it out, the name of your prospective boss. Unless you know for certain that a casual opening such as “hi there” is appropriate, stick with the more formal: “Dear Mr/Mrs/Ms. Surname” and triple check that you have the spelling and honorific correct.

If you cannot discover the name of the person responsible for hiring, “to whom it may concern” is fine. “Dear _____ team” is acceptable if you know that fits in with the corporate culture.

The cover letter sample text below sticks with “Dear Mr/Mrs/Ms. Surname,” because it’s hard to go wrong with that traditional greeting.

The aim of the cover letter greeting: Make the extra effort to engage the hiring manager by learning their name and using it to draw them in.

Dear Ms. Fisher,

Cover letter introduction

The role of administrative personnel is ever-changing. Artificial Intelligence (AI) assistants can do some of the work that once was done by hand. A strong administrative cover letter uses the introduction to highlight what you can do that AI can’t.

Client follow-up, programming skills, dealing with office personalities and priorities and even interpreting the data computer’s crunch are all skills AI cannot do, FastFuture points out. Focus your introduction on these high-level tasks and show how you are learning and evolving into the role of the future. You must only answer the question: “Why should I hire you?” by making it clear that your value goes well beyond answering phones or scheduling meetings.

If you can’t convince the recruiter here that you will be a great addition to the team, you won’t make the cut.

The aim of the cover letter intro: Point out the high level skills that make you a true value add to the company.

You’ve wowed them with your main message, now you have the space to back that up with outstanding examples from your career. Explain why you want this particular job, then use career successes to show exactly how you will not just keep the office running smoothly, but improve processes and take on new tasks.

As you compile your career bests, make sure that they illustrate times when 25 tasks all had to be completed in the next 5 minutes or the office would implode! OK, maybe that’s an exaggeration (maybe not) but you want to demonstrate that you can handle the toughest situations with aplomb.

Bullets are a great way to highlight several important successes: They save space (you can leave out unnecessary phrases such as “in my most recent position I was able to” and jump right in with your action word) and they break up large blocks of type.

Try to let your personality show with both the stories you choose and the language you use. Also remember that the body of your letter also gives you space to add detail and data that did not fit into your resume.

Read the cover letter sample text below for one way to accomplish this.

The aim of the body of your cover letter: Cement the recruiter’s impression of you as a multi-tasker who stays calm under pressure and reveal a bit of your personality.

How to close an administrative cover letter (conclusion and sign-off)

A memorable administrative cover letter ends with a flourish that leaves no doubt in the recruiter’s mind that you deserve that interview. Show confidence that you will have the office under control and will make the working lives of all you support easier.

Restate the reason you will be a great fit for the job. Then, add a more personal touch. Try detailing why you want to work for the company (it doesn’t hurt to be a bit complimentary but don’t veer into fawning) or express the satisfaction you get from a job well done. Leave something unsaid that would be a great question for your interview.

Finish with a respectful request for an interview and sign off with “Sincerely” or “Best regards.”

The aim of this part: Remind the recruiter why you are an excellent candidate and request an interview.

I look forward to the chance of meeting and understanding your expectations for the role. Feel free to contact me at your earliest convenience.

Administrative cover letter with no experience

Maybe you’re thinking, “Sure, this would be easy if I had administrative experience, but I don’t!” That’s OK. Your targeted job requires many soft skills that you do have experience using. If you have participated (or better yet led) and extracurricular activities, completed group projects, taken any computer or business classes, or volunteered, you can use those experiences. The soft skills you want to highlight include:

Organization
Communication
Collaboration
Time management
Reliability

Explain why you want the job and show that you are responsible and ready to enter the workforce.

Basic mistakes in an administrative application letter (and how to avoid them)

Spelling and grammar errors. While a hiring manager may overlook a typo, you don’t want to take that chance, especially because you may be tasked with client-facing communication. Have a friend or colleague look over your letter. Use a spellcheck and grammar check function, but don’t rely entirely on them. They make errors too.
Getting too wordy. Keep your examples and anecdotes to a sentence or two at most. You only have about 400 words, so you don’t want to spend them all in one place.
Focusing too much on one type of skill. You definitely need soft skills in your job, but don’t forget that your software expertise and ability to analyze data are valuable too.
Administrative roles have expanded to include higher level skills.
Adopt a tone and message that reflect the culture of the company you are applying to work for.
You will be working closely with many people, so let your personality show through. This will help recruiters decide whether you are a good fit.
Use examples that show off your grace under pressure.

Resume.io’s expert-tested and pre-formatted cover letter templates make it simple to click and start creating. Use the advice in this guide to help you develop a letter that speaks directly to the hiring manager and grabs you that interview.

Free professionally designed templates

Administrative Clerk Cover Letter Example

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You should start your Administrative Clerk cover letter by addressing the hiring manager by name, if it's known. If not, use a professional greeting like "Dear Hiring Manager." Then, introduce yourself and state the position you're applying for. Make sure to mention where you found the job posting. In the first paragraph, it's important to grab the reader's attention. You can do this by briefly mentioning a key achievement or experience that makes you a strong candidate for the position. Remember, the beginning of your cover letter sets the tone for the rest of the document, so make sure it's engaging and highlights your enthusiasm for the role.

The best way for Administrative Clerks to end a cover letter is by expressing gratitude, reiterating interest in the position, and inviting further communication. For example, "Thank you for considering my application. I am enthusiastic about the opportunity to bring my unique skills to your team and am confident that I can contribute significantly to your organization. I look forward to the possibility of discussing my application with you further." This ending is professional, courteous, and shows eagerness for the role. It also leaves the door open for further communication, which is key in the hiring process. Remember to end with a formal closing like "Sincerely" or "Best regards," followed by your name.

In a cover letter, Administrative Clerks should include the following: 1. Contact Information: At the top of the cover letter, include your full name, address, phone number, and email address. If applicable, you can also include your LinkedIn profile or professional website. 2. Professional Greeting: Start your cover letter with a professional greeting. If you know the name of the hiring manager, use it. 3. Introduction: In the first paragraph, introduce yourself and explain why you're interested in the administrative clerk position. Mention where you saw the job posting. 4. Relevant Skills and Experience: In the body of the letter, highlight your relevant skills and experiences. As an administrative clerk, you should focus on skills such as organization, communication, data entry, and knowledge of office equipment and software. Use specific examples from your past roles to demonstrate these skills. For instance, you might talk about a time when your organizational skills helped streamline a process or improve efficiency. 5. Accomplishments: Don't just list your duties from past jobs. Instead, highlight your accomplishments. For example, if you implemented a new filing system that increased efficiency, mention it. 6. Education and Certifications: If you have any relevant education or certifications, such as a degree in business administration or a certification in office management, include them in your cover letter. 7. Enthusiasm for the Role: Show your enthusiasm for the role and the company. Research the company and mention something specific that attracts you to them. 8. Closing Statement: In your closing statement, thank the hiring manager for their time and express your interest in the opportunity to interview for the position. 9. Professional Closing: End your cover letter with a professional closing, such as "Sincerely" or "Best Regards," followed by your name. Remember, your cover letter should complement your resume, not duplicate it. It's your chance to tell a story about your experiences and skills, and to show the employer why you're the

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Community Energy Programs
Energy Efficiency and Conservation Block Grant Program
Renew America's Nonprofits
Renew America’s Schools
Workforce Development Programs
Communities LEAP
Local Government Energy Program

Eligible state, local, and Tribal governments can now apply for $430M in funding from the Energy Efficiency and Conservation Block Grant (EECBG) Program! Icons show: a car for cutting carbon emissions, a lightbulb for improving energy efficiency, and a plug for reducing energy use.

EECBG Program Formula Grants

On this page, you will find helpful information about how to apply for, manage, and report on formula awards from the Energy Efficiency and Conservation Block Grant (EECBG) Program.

For local governments the deadline to apply is October 31, 2024. For Tribes, it is May 31, 2025.

Note : the deadline for local governments to switch between voucher and grant application options is Friday, October 15.

Before Applying, start by reviewing:

Administrative and Legal Requirements Document (ALRD)
Application Instructions
EECBG Program Application Assistance and Informational Webinar Recording and Webinar Slides for Local Governments
Program Frequently Asked Questions (FAQs)

Solid black line used to break up sections of text

Formula Hub Page Menu

Click on links below to navigate:

Awarded Projects : Read about projects and programs occurring across the country!
Formula Application Process : Learn how to apply for traditional grants or vouchers
Traditional Grants Awards Management : Review requirements for traditional grant reporting
Equipment Rebate Voucher Awards Management : Review requirements for rebate reporting
Technical Assistance Vouchers Award Management : Review requirements for technical assistance voucher reporting
Resources for Learning & Applying : Contains links to templates, previous webinars, etc.

Awarded Projects

The U.S. Department of Energy announces awards on a rolling basis. This page summarizes the awards made to date and is easily navigable by location, allocation, and project type.

Check out exciting projects occurring in communities all over the United States!

Formula Application Process

Application Assistance & Support

Want one-on-one application support?

There are several opportunities for 1:1, no-cost application support.

Local governments can request assistance with the International City/County Management Association (ICMA) at the EECBG Application Support Form .
Tribes can write to [email protected] .
Seeking strategic guidance? Write to the National Renewable Energy Laboratory ( [email protected] ) for 10-20 hours of support with clean energy experts.
All are encouraged to join our Office Hours sessions .
Have general questions? Write to our program inbox: [email protected] .

Looking for sample applications?

Reviewing a sample EECBG Program application can provide inspiration and examples of completed applications. To see a full sample traditional grant application and several real Energy Efficiency and Conservation Strategies (EECS), click here .

Application Steps

Use the sections below to learn how to apply for your EECBG Program formula award.

Eligible entities may apply for a voucher or a grant, but not both . The deadline for local governments to switch between voucher and grant application options is Friday, October 15.

Pre-Application Considerations

First Steps for Grants & Vouchers

Local Governments
Tribes .
Determine if you will select a voucher or a grant (local governments and Indian tribes only).
Review the application instructions , FAQs , and recorded webinars and slides (available in the below section)
Review the eligible activities, found on page 6 of the EECBG Program Application Instructions .

Switching between traditional grants and vouchers?

If you have already submitted a Pre-Award Information Sheet or registered in the voucher portal but would like to switch your application type, follow the directions below.

Switching from grant to voucher? Please write to the EECBG Program inbox ( [email protected] ), indicating your intention to switch and the type of voucher (equipment rebate, technical assistance, or both).
Switching from voucher to grant? Submit a revised Pre-Award Information Sheet to the program inbox ( [email protected] ).

Application Steps for Traditional Grants

Step 1: Complete Pre-Application Steps

These steps are for traditional grants only. For voucher steps, see section below.

If your organization does not yet have a UEI Number (Unique Entity Identifier), register in the System for Award Management (SAM) at https://www.sam.gov/ to create one. Note: This can take up to three weeks to process, so it’s important to get started early!
Register in FedConnect , which will allow your organization to receive and acknowledge its award, at https://www.fedconnect.net/ .
Complete the Pre-Award Information Sheet and return it to [email protected] .
Expect an email from the PAGE grant application and reporting system (which is the portal where your organization will submit its application and subsequent reporting ) inviting you to apply within 7 business days .
Confirm PAGE account creation and establish authorized users for your organization (for assistance with account setup, contact the PAGE Hotline at: [email protected] ).

Step 2: Complete your application and submit it via the PAGE Platform

Submit the following forms by either completing the online forms in PAGE, or uploading as attachments to PAGE:

Standard Form 424 (SF-424, Application form)
Budget (SF-424A)
Budget Justification
Activity File
EECS Template for Local Governments
EECS Template for States
EECS Template for Tribes .
Authorized Applicant: (Assurance Letter or Tribal Resolution)
Assurance Letter: Davis Bacon Act
A link to or copy of the applicant’s latest single audit (as required by 2 CFR 200 Subpart F)

Non-Tribal Statement of Work WITH Preservation Agreement and WITH Ground Disturbance

Non-Tribal Statement of Work WITH Preservation Agreement and NO Ground Disturbance

Non-Tribal Statement of Work withOUT Preservation Agreement and WITH Ground Disturbance

Tribal Statement of Work withOUT PA and NO Ground Disturbance

NEPA Environmental Questionnaire (EQ-1), if directed to submit
Indirect Rate Agreement or Rate Proposal (if applicable)

Financial Assistance Certifications and Assurances For Use With SF 424

SF-LLL Disclosure Form (if applicable).

Application Steps for Vouchers

The EECBG Program Voucher Application Portal can be accessed anytime here .

Step 1: Complete pre-application steps

Note: This can take three weeks to process, so it’s important to get started early!
If you do not receive an invitation within 5 business days of registering or need assistance logging in, please reach out to [email protected] for assistance accessing the portal.
If you have submitted a Pre-Award Information Sheet for the voucher option to [email protected] , you are already pre-registered. You will receive a login email from [email protected] ..

Step 2: Complete EECBG Program Voucher Application

Once you have completed the registration steps listed above, you may choose your desired voucher and begin filling out the application. If you plan to pursue both the equipment rebate and technical assistance vouchers, we suggest completing one voucher application at a time.
Voucher application template for equipment rebates
Voucher application template for technical assistance

Award Management

Traditional grants award management.

Use the sections below to learn about reporting and compliance for traditional grants ( not vouchers ). These sections contain detailed information, based on commonly asked questions, to inform grants management. For frequently asked questions, see our FAQ Page .

Background Information & Resources

The resources below provide background information about the required reporting and compliance activities for EECBG Program traditional grants.

Reporting Basics: webinars, guidelines, resources

View the webinar recording here
Read through the webinar slides
EECBG Program Reporting Guidance : This document covers reporting requirements, submission procedures, and timelines for traditional grant recipients
Federal Assistance Reporting Checklist (FARC): This checklist is included when you receive your award and download award files from FedConnect. It is customized to your award activities and allocation. The FARC is a way to track the reporting requirements for the traditional grant, (e.g., due dates, frequencies, and submission locations.)
Reporting Summary for Grant Recipients with Awards Larger than $250,000: See Table 1
Reporting Summary for Grant Recipients with Awards Smaller than $250,000 (excluding Tribes): See Table 2
Reporting Summary for Tribal Grant Recipients: See Table 3

Information about each reporting requirement

The section below provides detailed information about each reporting requirement, including: required components, timelines, and location to report.

Project Management Reporting

Performance Report

Purpose: To document progress of EECBG Program funded projects
Milestones: determined by recipient on the application, used to track goals
Financial metrics: dollars expended for each period
See the Eligible Activity Areas and their Recommended Process Metrics for guidance on which metric will be most appropriate for your project.
For a list of process metrics specific to the EECBG Program, see here.
Pathways to Net Zero Reporting should include process metric areas 1 (Retrofits), 3 (Equipment Purchased, and 5 (Renewable Energy)
Equity and Justice Reporting should include process metric 9d (Organizations Receiving TA) and 11a (Community and Stakeholder Engagement"
Determination if the project is an ‘infrastructure investment’ and relevant information
Remark on problems/issues that have arisen or if there is variance from the plan
Share good news, success stories, and general updates on the progress of the project
Provide supplemental information on the process metrics entered above
Inform the project officer of any updates to the project.
Where to submit: PAGE platform
States and local governments with awards > $250,000: quarterly (January 30, April 30, July 30, & October 30)
Local governments with awards < $250,000: semi-annually, on April 30 and October 30
Tribes: annually (October 30)
Performance Reports submitted must include an update for each of the activities that a recipient pursues
Any energy savings, including fuel-switching and installation of renewable energy systems, should be reported on in the process metrics
Local governments receiving awards under $250,000 may be subject to a higher-frequency reporting requirement

Federal Financial Reports (SF-425)

Purpose: To document grant's financial activity, including obligations, expenditures, cash on hand, indirect costs and program income as applicable
What to include: Federal Cash, Federal Expenditures, Unobligated Balance, Recipient Share, Program Income, Indirect Expenses
States and local governments with awards > $250,000: submit quarterly (January 30, April 30, July 30, & October 30)
Local governments with awards < $250,000: semi-annually (April 30 and October 30)
Post-Award Reporting Forms (look for “Federal Financial Report SF-425”)
Completing the SF-425 Federal Financial Report (Created by the U.S. Economic Development Administration)
Commonly Asked Questions on the Federal Financial Report (SF-425) (Created by FEMA)
Notes: SF-425 covers the entirety of work performed by the prime recipient, sub-recipients, and contractors

Award Management Reporting

Davis Bacon Act (DBA)

Purpose : To ensure that federally-funded projects prioritize workers and protect communities by upholding labor standards and local wages
Includes record of hours worked and wages paid, including fringe benefit contributions and certified payrolls
Grantees are responsible for tracking and maintaining DBA records for all subcontractors and sub-recipients
Sub-recipients are also required to track, maintain, and submit records
Reports must be submitted during all reporting periods for DBA applicable projects (weekly for payroll reports and twice yearly for DBA Enforcement Report).
You do not need to submit if there is no DBA applicable work occurring.
The prime recipient is responsible for submission of weekly payroll reports; however, they can delegate this to the subrecipient
Grantees must submit semi-annual reports on compliance and enforcement of the labor standards provision of the Davis-Bacon Act and its related acts
Semi-annual reports are due April 21 and October 21
Weekly Payroll Reports: LCPtracker
Semi-annual Assurance Report: Submitted through PAGE platform
Weekly Payroll Reports: Weekly
Semi-annual Assurance Report: Semi-annually (April 21 and October 21)
Tracking platform: LCPtracker website
Department of Labor Davis-Bacon Act webpage
DOE Davis-Bacon Act webpage for recipients of Bipartisan Infrastructure Law funding
DOE webpage on LCP Tracker
The DBA applies to labors and mechanics performing construction, alteration, and/or repair work that is funded in whole in part by the BIL for contracts more than $2,000. This includes painting and decorating.

Build America, Buy America (BABA)

Purpose: BABA established a domestic content procurement preference requirement to Federally funded public “infrastructure projects.” The goal of BABA is increase a resilient domestic supply chain and manufacturing supply for critical materials both for emerging and existing industries in the United States.
DOE Build America, Buy America webpage
DOE BABA implementation guidance
DOE BABA waiver webpage
There is no formal report for BABA. However, you should be able to demonstrate compliance upon request, if asked as part of monitoring procedures
All entities with EECBG Program allocations of at least $250,000 must comply with BABA
There is a broad waiver for entities with EECBG Program allocations under $250,000 and Tribes. You do not need to apply for or submit paperwork to be eligible for this waiver.

Waiver extension for Tribes ends on August 18, 2024. For more information, see BABA Waiver webpage

Historic Preservation and National Environmental Policy Act (NEPA)

Purpose: To ensure that federal projects assess and mitigate environmental impacts and preserve historic resources
All grantees must submit an annual Historic Preservation Report
This includes but is not limited to use of exemptions listed within a PA or consultations with a State Historic Preservation Office (SHPO).
Utilizing Statement of Works (SOW) #1 or #3 (regardless of whether or not the activities not involve ground disturbance) OR
If specificized through their individual NEPA determination, their award Terms and Conditions, or their Federal Assistance Reporting Checklist (FARC).
Historic Preservation Reports: PAGE platform
NEPA logs: Via email to [email protected] and DOE Project Officer
Historic Preservation Reports: Due annually on September 15 (reports may be submitted between September 1 – 15)
It is important NEPA logs are submitted prior to starting projects. The NEPA log asks a series of questions determining if an individual NEPA review is required.
NEPA and Historic Preservation Training Website
List of Executed Historic Preservation Programmatic Agreements
Blank NEPA Log for entities with a Historic Preservation Programmatic Agreement
Blank NEPA Log for entities without a Historic Preservation Programmatic Agreement
These Grantees should select “I do have a PA (Programmatic Agreement)” in their Historic Preservation Report
These Grantees should select “I do not have a PA (Programmatic Agreement)” in their Historic Preservation Report

Federal sub-award reporting system (FSRS)

Purpose: To capture and report subaward and executive compensation data for entities awarding sub-awards greater than or equal to $30,000 in federal funds
What to include: The prime recipient is required to file a Federal Funding Accountability and Transparency Act (FFATA) sub-award report
Where to submit: FSRS - Federal Funding Accountability and Transparency Act Subaward Reporting System
Timeline: Due by the end of the month, following the month in which the prime recipient awards sub-grants greater than or equal to $30,000 in federal funds
The Federal Subaward Reporting System (FSRS) is the reporting tool prime recipients use to capture and report subaward and executive compensation data regarding their first-tier subrecipients to meet the FFATA reporting requirements. Prime recipients will report against subrecipients’ awards. The subrecipient information entered in FSRS will then be displayed on gov associated with the prime recipient’s award furthering federal spending transparency.
Reporting to the FSRS is not required for sub-contracts for the performance of specific grant activities (i.e. equipment installation, technical consulting services, etc.)

Single audit

Purpose : When awardee expends $750,000 or more during their fiscal year in federal awards, there must be a single or program-specific audit conducted
Entities that expend $750,000 or more during their fiscal year must conduct a single or program-specific audit.
The single audit must be conducted in accordance with §200.514 Scope of audit, except when it elects to conduct a program-specific
Where to submit: Federal Audit Clearinghouse
Timeline: Due within the earlier of 30 days after receipt of the auditor’s report(s) or 9 months after the end of the audit period (recipient’s fiscal year-end)

Tangible Personal Property Report – Annual Property Report (SF-428 & SF-428A)

Purpose: To collect information related to tangible personal property (equipment and supplies)
What to include: The prime recipient must submit a final inventory and request disposition instructions for any federally-owned property and/or property or equipment acquired with project funds, with an acquisition cost above $5,000. This is true whether the property is/was in the possession of the prime recipient or subrecipient(s).
Where to submit: Submit as an attachment to PAGE platform Document Library
Timeline: Due within 90 calendar days after the end of the annual reporting period
Links to helpful resources: PDF Copies of Post-Award Reporting Forms (look for “Tangible Personal Property Report – SF-248” and “Tangible Personal Property Report – Annual Report – SF-428-A”)
If disposition occurs at any time other than award closeout, the prime recipient must complete an SF-428 and SF-428C.
Only the DOE Contracting Officer has authority to approve disposition requests and issue disposition instructions.

Tangible Personal Property Report – Disposition Request/Report (SF-428 & SF-428C)

What to include: Equipment with an acquisition cost above $5,000 must be included in the inventory
Where to submit: Submit as an attachment to PAGE platform Document Library
Timeline: Due within 5 calendar days of the event or as specified
Links to helpful resources: PDF Copies of Post-Award Reporting Forms (look for “Tangible Personal Property Report – SF-248” and “Tangible Personal Property Report – Disposition Request/Report – SF-428-C”)
Notes: Disposition Request/Report (SF-428 & SF-428C) is required if disposition occurs (if federal property is transferred to awardee) at any time other than award closeout

Bipartisan Infrastructure Law Reporting

Quality Job Creation

Purpose: To assess activities contributing to growing American jobs
What to include: Details good jobs provided to employees through EECBG Program funds
Submit as an attachment to PAGE platform Document Library
A template of this report can be found in the PAGE Reference Library under EECBG BIL Recipient Reporting – Good Jobs Outcomes Report template (Excel)
Timeline: Due annually (October 30)
Download helpful resources: Blank Good Jobs Outcomes Report

One-Time Location Report

Purpose: To provide location information of EECBG Program activities
What to include: Location information (zip codes and names of communities) of EECBG activities
A template of this report can be found in the PAGE Reference Library under EECBG BIL Recipient Reporting – Locations of Work template (Excel)
Timeline: To be submitted one-time, during first year of award
Helpful Resources to download : Recipient Reporting – Locations of Work Report
Required when EECBG Program formula recipients pursue activities that take place in a physical location. Please specify if projects take place in a disadvantaged community.
For the question in the instructions that reads: “If this is an EECBG recipient,” please select “yes” from the dropdown.

Closeout Reporting

Federal Award Closeout Process (2 CFR 200.344)

The Federal awarding agency or pass-through entity will close out the Federal award when it determines that all applicable administrative actions and all required work of the Federal award have been completed by the non-Federal entity. The pass-through entity shall close out their grant in accordance with the provision found at 2 CFR 200.344 .

Tangible Personal Property report – Final Report (SF-428 & SF-428B)

Purpose: To provide a final property report for closeout of Federal assistance awards
What to include: Final inventory of and request disposition instructions for any federally-owned property and/or property or equipment acquired with project funds costing above $5,000 for prime or subrecipients
Timeline: Due within 120 days after expiration or termination of the award
Links to helpful resources: PDF Copies of Post-Award Reporting Forms (look for “Tangible Personal Property Report – SF-248” and “Tangible Personal Property Report – Final Report – SF-428-B”)

Equipment Rebate Vouchers Award Management

Use the sections below to learn about reporting and compliance for equipment rebates (not traditional grants or technical assistance vouchers).

The below resources provide background information about the required reporting and compliance activities for EECBG Program traditional grants.

Watch the webinar recording here.
Read through the webinar slides .
Federal Assistance Reporting Checklist (FARC) : this form is a way to track all the reporting requirements for the equipment rebate voucher. This includes: due dates, frequencies, and submission locations.
Log into the Voucher Portal
Select “My Applications”
Choose your application

Tips & Tricks for Using the Voucher Portal

Watch the recording here

Post-Installation Report

Tangible Personal Property Report (Final) SF-428, SF-428B & SF-428S

Purpose: Collects information related to tangible personal property (equipment and supplies)
Invoices, receipts, time-stamped photos of installed equipment including model numbers or VIN (as applicable)
Where to submit: Voucher Portal : My Applications < Relevant Application < Post-Installation)
Timeline: Due within 30 days of project completion
Links to helpful resources: Post-Award Reporting Forms | Grants.gov
Pre-filled versions of the Tangible Personal Property Report and instructions for completion can be found on the Voucher Portal : My Applications < Relevant Application < Post-Installation
Milestones: determined by recipient in application & used to track goals
Financial metrics: total reimbursement received
Pathway to Net Zero
Equity and Justice
Any energy savings, including fuel switching and installation of renewable energy systems, should be reported in the process metric
Qualitative descriptions: used to provide additional information on project not captured in metrics
Where to submit: Voucher Portal : My Applications < Relevant Application < Performance Report
Annual reports will be waived for those who have not completed equipment purchase and installation in the first year
If project is finished in first year, the report can be submitted once as a final report
Final (120 days after award closeout)
Links to helpful resources: EECBG Program BIL Metrics
Purpose: To document grant's financial progress
This template SF-425 can be helpful to review in advance (although a pre-filled version will be on the Voucher Portal).
Federal Expenditures
Report on total payment amount from DOE
Where to submit: Upload to Voucher Portal : My Applications < Relevant Application < Reporting
Annual reports will be waived for those who have not yet completed equipment purchase and installation in the first year
If project is finished in first year, the report can be submitted once as a final report
Final (120 days after award closeout)
Links to helpful resources:
A pre-filled version of the SF-425 with instructions for completing is available on the Voucher Portal: My Applications < Relevant Application < Reporting
Purpose: To ensure compliance with local wage and labor standards
Includes record of hours worked and wages paid, including fringe benefit contributions & certified payrolls
Grantees are responsible for tracking and maintaining DBA records for all contractors
Grantees must submit semi-annual reports on compliance and enforcement of the labor standards provision of the Davis-Bacon Act and its related acts
Semi-Annual Assurance Report: Upload information on Voucher Portal: My Applications < Relevant Application < Reporting
Weekly Payroll Reports: Weekly during project installation
Semi-Annual Assurance Report: Semi-annually (March 31 and September 30)
LCPtracker (this is a new web feature, designed to be more user-friendly)
Davis-Bacon and Related Acts | U.S. Department of Labor (dol.gov)
The DBA applies to contractors and subcontractors of the recipient or sub-recipients for contracts more than $2,000 for the construction, alteration, and/or repair of public buildings or public works, including painting and decorating
Weekly for payroll reports during installation
Twice yearly for DBA Semi-Annual Report for the duration of the EECBG Project)
You do not need to submit payroll reports it if there is no laboring work occurring

Build America, Buy America

Special note:

There is no formal report for BABA. However, you should be able to demonstrate compliance upon request, if asked as part of monitoring procedures.
All entities with EECBG Program allocations of at least $250,000 must comply with BABA.
There is a broad waiver exemption for entities with EECBG Program allocations under $250,000 and Tribes. You do not need to apply for or submit paperwork to be eligible for this waiver.

Historic Preservation and National Environmental Protection Act (NEPA)

Historic Preservation Report: All local and Tribal government applicants must submit an annual Historic Preservation Report annually.
NEPA logs (Projects using NEPA SOW 1 only): NEPA log templates can be found on EECBG program website and NEPA website . This must be submitted for all activities
Historic Preservation Report: S. Department of Energy Annual Historic Preservation Report (office.com)
Upload on portal by logging in then navigating to My Applications < Relevant Application < Reporting
Historic Preservation Report: Annually on September 15th
NEPA logs: Before project begins. Must be updated quarterly if locations of work change
Historic Preservation – Executed Programmatic Agreements | Department of Energy
Notes: All local governments, states, DC, and some territories are covered by a state Historic Preservation Programmatic agreement. Historic Preservation – Executed Programmatic Agreements | Department of Energy
Purpose: When awardee expends $750,000 or more during their fiscal year in federal awards, there must be a single or program-specific audit conducted
What to include: Audited financial statements
Timeline: Due within 30 days after receipt of the auditor’s report(s) or 9 months after the end of the audit period (recipient’s fiscal year-end)
FAC Audit Submission Guide
Notes: Required when awardee expends $750,000 or more in federal awards during their fiscal year, there must be a single or program-specific audit conducted

Tangible Personal Property Report (Disposition Request – optional) SF-428C

Purpose: To notify of disposition of tangible personal property (equipment and supplies)
Where to submit: Voucher Portal
Timeline: Due within 5 days of equipment disposition or as specified
Notes: This report is only needed if you plan to dispose of the equipment purchased with federal funding at the end of your project
Purpose: To provide location information of EECBG activities
What to include: Location information of EECBG Program activities
Where to submit: Upload to Voucher Portal (My Applications < Relevant Application < Reporting)
Timeline: Due one-time, during first year of award
The One-Time Location Report template can be downloaded here .

Technical Assistance Vouchers Award Management

Reporting requirements for technical assistance (not traditional grants or equipment rebates vouchers) will be completed by the technical assistance administrator. Entities will review and approve reports for accuracy before submission to DOE.

Resources for Learning & Applying

Eecbg program eligible uses & program guidance.

DOE has published program guidance to provide more information about eligible uses of EECBG Program Funds, share examples of high-impact projects, and provide clear links for technical assistance opportunities across a range of project areas. For more information, see EECBG Eligible Activities and Program Guidance .

Recorded Webinars & Slides

View recordings and see presentations of previous sessions of EECBG Program webinars below.

NEW! EECBG PROGRAM APPLICATION ASSISTANCE AND INFORMATIONAL WEBINAR

This webinar covered commonly asked questions about the program, including the differences between the grant and voucher application options, compliance and reporting requirements (e.g., Build America Buy America, Davis Bacon, NEPA), and DOE resources to help you with the application process. The final 15 minutes covered questions from the audience.

Read through the webinar slides.
Watch the recording here.

INTRODUCTORY WEBINARS [Held in January 2023]

State Governments [Introductory webinar, held January 2023)

Introduction to the EECBG Program for states and territories webinar recording .
Introduction to the EECBG Program for states and territories webinar presentation slides .

Local Governments [Introductory webinar, held January 2023)

Introduction to the EECBG Program for local governments webinar recording .
Introduction to the EECBG Program for local governments webinar presentation slides.

Tribal Governments [Introductory webinar, held January 2023)

Introduction to the EECBG Program for tribal governments webinar recording .
Introduction to the EECBG Program for tribal governments webinar presentation slides .

INTRODUCTION TO GRANT APPLICATION PROCESS

Review this webinar for detailed guidance about the EECBG Program Grant Application Process. This webinar includes information about the necessary steps and materials required to apply for the program.

Watch the grant application webinar recording .
Read through the webinar presentation slides .

VOUCHERS-FOCUSED WEBINARS

Introduction to Vouchers Option

This webinar includes information about the requirements and process for applying for an EECBG Program Voucher in lieu of a cash grant.

Watch the voucher option webinar recording .
Read through the voucher option webinar presentation slides .

Equipment Rebate Voucher Reporting Webinar

This webinar covered key information about the reporting requirements and processes for EECBG Program Equipment Vouchers. Topics included: 1) types of reports applicable to your equipment rebate voucher project, 2) reporting due dates, 3) the process for submitting reports and activities on various DOE platform 4) EECBG Program process metrics and associated guidance

Watch the voucher reporting webinar recording.
Read through the voucher reporting presentation slides .

EECBG Program Voucher Portal Demonstration

Watch the voucher portal webinar recording .
Read through the voucher portal webinar presentation slides.

TECHNICAL ASSISTANCE

This webinar provides EECBG Program Formula Grant applicants with guidance on how to access technical assistance opportunities from the Department of Energy to maximize their EECBG dollars and reduce administrative burden.

Watch the technical assistance webinar recording .
EECBG Program technical assistance webinar presentation slides .

This webinar provides EECBG applicants with tools and knowledge they need to implement Justice40 goals into their EECBG projects.

Watch the Justice40 webinar recording .
View the EECBG Justice40 presentation slides .

PAGE WEBINAR TRAINING

This webinar provided a training for EECBG Program formula grantees pursuing the direct grant option (not the voucher). Because it used the PAGE platform to demonstrate the training live, there are no slides.

Watch the PAGE training webinar recording .

GRANT REPORTING WEBINAR

This webinar covered the basics of grant reporting requirements (and the process for doing so on the PAGE Platform). Note: this webinar only applies for those pursuing traditional grants - not vouchers.

Watch the grant reporting webinar recording .
View the grant reporting webinar slides .

EECBG Program Blueprints

The EECBG Program Blueprints are model projects and programs designed to help local and tribal governments achieve high impact results with limited grant dollars. Blueprints offer ideas in energy efficiency, renewable energy, transportation electrification, clean energy finance, and workforce development.

Key activity areas under each blueprint serve as a step-by-step guide for communities to follow. Each activity is accompanied by relevant tools and resources that go into much more detail. EECBG Program grantees are encouraged to consider blueprints as inspiration for ways they could use their grant dollars.

Learn more about the EECBG Program blueprints .

Application Instructions, Administrative & Legal Requirements, and Guidance

Below are important documents you will need to read to prepare to apply for the EECBG Program Formula Grant.

EECBG Eligible Activities and Program Guidance

Administrative and Legal Requirements Document (ALRD)

EECBG Program Formula Grant Application Instructions

Below are important documents you will need to report on your EECBG Program Grant.

EECBG BIL Reporting Guidance

Attachment 1. EECBG Program Process Metrics

Attachment 2. Eligible Activities and Their Recommended Process Metrics

Attachment 3a: EECBG Recipients WITH a Historic Preservation Programmatic Agreement NEPA Log

Attachment 3b: EECBG Recipients withOUT a Historic Preservation Programmatic Agreement NEPA Log

Below is a document that can help you to understand the grant application and management process:

DEPARTMENT OF ENERGY GUIDE TO FINANCIAL ASSISTANCE - 2020

Below is a document that can help you understand the voucher application and management process:

EECBG Program Voucher Handbook

EECBG Program Formula Grant Allocation Information

EECBG Program Local Government Allocations

EECBG Program Tribal Allocations

EECBG Program State Allocations

Grant Application Templates

See here for a sample full application and several Energy Efficiency and Conservation Strategies (EECS) examples.

Pre-Award Information Sheet (your notification of the intent to apply) due to DOE as soon as possible. Submit to our inbox: [email protected] .

EECBG Program Pre-Award Information Sheet

Templates required in final direct grant application (in PAGE) – due with the final application.

EECBG BIL Template Activity File

EECBG BIL Template Authorization Letter

EECBG BIL Template Davis-Bacon Act Assurance Letter

SF-LLL Disclosure Form

Energy Efficiency and Conservation Strategy (EECS) Templates – due with the final application.

IIJA Energy Efficiency and Conservation Strategy Template for Local Governments

IIJA Energy Efficiency and Conservation Strategy Template for Tribes

IIJA Energy Efficiency and Conservation Strategy Template for States

National Environmental Protection Act (NEPA) Statements of Work:

Voucher Application Templates

Voucher Application Templates:

EECBG Program Equipment Rebate Application Template

EECBG Program Technical Assistance Application Template

Energy Efficiency and Conservation Strategy (EECS) Templates:

See here for example EECS from other applicants.

1 Equipment Rebate Non-Tribal EECBG Statement of Work WITH Preservation Agreement and WITH Ground Disturbance

2 Equipment Rebate Non-Tribal EECBG Statement of Work WITH Preservation Agreement and NO Ground Disturbance

3 Equipment Rebate Non-Tribal EECBG Statement of Work withOUT Preservation Agreement and WITH Ground Disturbance

4 Equipment Rebate Tribal and Non-Tribal EECBG Statement of Work withOUT Preservation Agreement and with NO Ground Disturbance

Frequently Asked Questions (FAQs)

See our Frequently Asked Questions page with commonly asked questions. If this page does not answer your questions, please write to our program inbox: [email protected] .

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EECBG Program Formula Hub
Note: the deadline for local governments to switch between voucher and grant application options is Friday, October 15. Before Applying, start by reviewing: Administrative and Legal Requirements Document (ALRD) Application Instructions; EECBG Program Application Assistance and Informational Webinar Recording and Webinar Slides for Local Governments

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Letters of Administration: What They Are and How to Get Them

How letters of administration work

Letters of administration vs. letters testamentary

How to get letters of administration

How long does it take to get letters of administration?

1. Obtain all the necessary documents

2. Touch base with other relatives

3. File an application for letters of administration

4. Appear in court for verification

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Navigating Probate: Your Essential Guide to Obtaining a Letter of Administration

Key Takeaways

Understanding Letters of Administration

The Role of an Administrator

Helpful Resources

Intestate Succession Laws

Key Steps to Obtain a Letter of Administration

Filing an Application with the Local Probate Court

Providing Supporting Documentation

Attending a Court Hearing

Types of Letters of Administration

Limited Letters of Administration

Temporary Letters of Administration

Ancillary Letters of Administration

Challenges and Obstacles in Obtaining Letters of Administration

Proving Legitimacy and Relationship

Locating and Notifying Family Members

Handling Disputes and Contests

The Benefits of Estate Planning

Creating a Will

Appointing an Executor

Frequently Asked Questions

How long does it typically take to obtain a Letter of Administration?

What are the key responsibilities of an appointed executor in estate administration?

What types of Letters of Administration are available?

Can disputes over Letters of Administration be resolved without legal intervention?

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When Is a Letter of Administration Needed?

Executor Cannot or Will Not Carry Out Duties

Other Special Circumstances

Parties Involved in a Letter of Administration

The Administrator

Beneficiaries

Process for Obtaining a Letter of Administration

Court Approval

Issuance of the Letter

Benefits of a Letter of Administration

Maintains Order in the Estate Settlement Process

Protects Administrator From Potential Liability

Drawbacks of a Letter of Administration

Jurisdictional Restrictions

No Control Over Estate Distribution

How to Avoid Needing a Letter of Administration

Establishing a Living Trust

Utilizing Joint Ownership With Rights of Survivorship

Final Thoughts

Letter of Administration FAQs

How is a Letter of Administration obtained?

Who can be appointed as an administrator in a Letter of Administration?

What are the benefits of having a Letter of Administration?

Can a Letter of Administration be avoided?

True Tamplin, BSc, CEPF®

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