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Celia Ray Hayhoe

Title Summary Date ID Author(s)
Children and Family Finances ‐‐ Saving for College Dec 23, 2009 2912-7044
Children and Family Finances – Kid’s Allowance Dec 23, 2009 2912-7042
Children and Family Finances – Paying for College Dec 23, 2009 2912-7045
Deciding if Bankruptcy is an Option for You

If you find yourself “over-extended” and have tried financial counseling, spending plans, reducing your payments, and/or paying more than the minimum amount due and still cannot make headway in repaying your debts, bankruptcy may be an option worth investigating.

May 1, 2009 354-045
Disability Income Insurance Jun 1, 2009 354-171
Emergencies: Are You Prepared? Your Personal Checklist of Important Documents

Life’s emergency situations require advance preparation and planning. The first step is organizing your papers and communicating with appropriate individuals.

May 1, 2009 354-141
Familes Taking Charge: Talking With Your Spouse May 1, 2009 354-103
Families Taking Charge: Dealing with Unemployment

When people go through any type of change, the change may trigger a period of grief and feelings of loss. When people become unemployed, they may feel a loss of identity since Americans tend to describe themselves in terms of their job. Any change means grieving for what was and coping with what is to come.

May 1, 2009 2811-7015
Families Taking Charge: Dealing with the Stress

All change produces stress, even “good” changes such as marriage or vacations. Sometimes it is hard to perceive the stress of “good” changes but easy to understand the stress caused by negative changes such as job loss. Common stressors in a transition are fear and uncertainty. For example, some of the fears a person may have about unemployment include fear of failure, the inability to manage debts, and the inability to learn new skills. The uncertainty of the job market may also be an issue.

May 1, 2009 2811-7016
Families Taking Charge: Deciding Which Bills to Pay First

What do you do if your current income just isn’t enough to pay monthly expenses and debts? Putting your bills in a stack and paying them until the money runs out won’t work. You have a legal obligation to pay all of your creditors. Not paying bills will affect your credit report and credit score. It can even involve court action. Not paying some bills may have greater consequences than not paying other bills.

May 1, 2009 2904-7030
Families Taking Charge: Setting Spending Priorities

Faced with a reduced income, many families wait six months or longer before they reduce their spending, accumulating debt and unpaid bills. Families need to cut back on spending right away by developing a spending plan to help pay their bills and living expenses.

Many people try to hide financial problems from themselves or family members. Not facing problems can be very destructive because the worry and stress caused by financial uncertainty and lack of cash may be worse than the financial problem itself.

May 1, 2009 2902-7022
Getting Out of Debt

Are your finances out of control? If making credit repayments has become difficult, there are steps you may take to improve the situation.

May 1, 2009 354-027
Home Equity Conversions: Reverse Mortgages

Many senior adults are finding it hard to live on their fixed retirement incomes and are looking for ways to supplement those incomes. For some, the largest asset they own is their home, but they do not want to sell their home and move. For these individuals, there is an option called Home Equity Conversion (HEC).

May 1, 2009 354-025
Home Improvement Scams: Don't Get Nailed!

Home Improvement scam artists often show up at your front door. This scam is happening more and more. Seniors, those living alone, and victims of weather-related disasters are among those most commonly targeted.

May 1, 2009 2809-7004
Homeowner's Insurance

Whether you own or rent a home, manufactured home, townhouse, or condominium, a good way to protect your home against certain types of loss is homeowner’s insurance. Homeowners with mortgages are required by their lenders to have homeowner’s insurance.

May 1, 2009 354-173
How to Make Your Money Go Further

What have you got to show for the money you make each month? Do you have good health, two cars, a home, a large savings account? Or do you seem to have a pile of debts and no assets?

May 1, 2009 354-023
How to Prevent Foreclosure on Your Home

If you are having trouble making your monthly mortgage payments, you may be able to protect your home, but you must act immediately. Your action may prevent the loss of your home through foreclosure. This Fact Sheet will give you an overview of your options to avoid foreclosure, but it is only the beginning. If you are in serious financial difficulty, you should seek professional assistance and/or legal counsel to best protect your investment and your home.

May 1, 2009 2804-7001
In Case of a Disaster: Home Inventory

Whether it is a house fire, a hurricane or tornado if the disaster will make it difficult to  get an accurate accounting of what you have. The recent victim of a house fire made  the following suggestions.

  • “Take the time NOW to inventory your home. The inventory needs to include the  item name, description, make, date purchased/age, model and/or serial number,  and purchase price. Take pictures and /or video and make comprehensive lists of  EVERYTHING you own. Nothing is insignificant. The more items a person can list  and refer to “see photo” the better. The lists need to include everything (down  to how many pairs of socks you own) and should include brand name, age of item, and purchase cost. Update this  annually. I don't know why insurance companies don't require this or offer this service, but they should do both.
May 1, 2009 2903-7023
Life Insurance: Calculating Life Insurance Needs

How much life insurance do you need? This publication will help you determine if you need life insurance, and if so, how much you need

May 1, 2009 354-149
Life Insurance: Payout Options

Life insurance pays a death benefit to the stated beneficiary at the death of the insured. When the insured dies, the beneficiary of the policy files an insurance claim.

May 1, 2009 354-148
Life Insurance: Term Insurance

Term insurance is basic life insurance. It is the easiest type of policy to understand. A life insurance company will charge a dollar amount, known as the premium, to provide the beneficiary with a tax-free cash benefit if the insured dies in that year.

May 1, 2009 354-144
Life Insurance: The Different Types of Policies May 1, 2009 354-143
Life Insurance: The Impact of Ownership May 1, 2009 354-142
Life Insurance: Universal-Life Insurance

Universal-life insurance was created to address many of the problems associated with whole-life insurance.

May 1, 2009 354-146
Life Insurance: Variable Universal-Life Insurance May 1, 2009 354-147
Life Insurance: Whole-Life Insurance May 1, 2009 354-145
Living Well Newsletter, Volume 2, Issue 1 Apr 24, 2013 370-101
Living Well Newsletter, Volume 3, Issue 1 Apr 24, 2013 370-102
Long-Term Care Insurance

Did you know that over 11 percent of the U.S. population is age 65 or older? Did you also know that this figure is expected to increase to 20 percent or 25 percent percent of the population over the next 50 years?

Feb 14, 2011 354-172
Low-Cost Ways to Entertain Kids this Summer Jul 15, 2009 2907-7031
Medical Expense Insurance

Medical-expense insurance, often referred to as health insurance, has become a big issue for many people. The costs associated with health care have been increasing, and if you find yourself in poor health, the cost of obtaining the care you need may be alarming.

May 1, 2009 354-170
Payday Loan Facts

Have you ever passed a check cashing store and wondered what kind of things happen in a business like that? Well, one thing stores like that do; is write people payday loans. Often people in need of these quick loans are not fully educated about the way they work. The purpose of this fact sheet is to help consumers better understand how payday loans work, and the pros and cons of using these services.

May 1, 2009 2903-7029
Planning for Baby ‐‐ Diaper Choices and Comfort

Neither cloth nor disposable diapers have been shown to be healthier for babies. The choice depends on how much time and money you have to spend on diapers. If your child will be in day care, most centers only accept disposable
diapers. Studies show disposable diapers keep the baby drier and help maintain a normal skin pH. To avoid problems when using cloth diapers, you have to change the baby more often and use diaper liners.

Oct 23, 2009 2910-7038
Refinancing Your Mortgage

Most people consider refinancing their home mortgage to take advantage of lower interest rates and reduce their monthly mortgage payment. Refinancing a mortgage means paying off your old mortgage and signing a contract for a new loan. Whether to refinance your mortgage is a difficult question to answer, and should be based on the following considerations:

May 1, 2009 354-047
Renter's Rights and Responsibilities: The Basics

If you are a renter in Virginia, you have rights and responsibilities under the Virginia Residential Landlord and Tenant Act (VRLTA). It is important that you know your rights and responsibilities under this act.

Dec 18, 2012 354-066 (FCS-12P)
Survivor Management, 4-H Leader's Guide Jan 12, 2010 392-108