|Children and Family Finances -- The Cost of Raising a Child||Dec 23, 2009||2912-7043|
|Children and Family Finances ‐‐ Saving for College||Dec 23, 2009||2912-7044|
|Children and Family Finances ‐‐ Tax Benefits||Dec 23, 2009||2912-7046|
|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 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|
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 Housing Matters A home without mold is a healthy home||Feb 14, 2012||FCS-3|
|How Housing Matters: Asthma Allergens||Sep 10, 2012||FCS-14NP|
|How Housing Matters: Household Hazardous Products||Jan 25, 2012||FCS-2|
|How Housing Matters: Indoor Air Quality||Sep 14, 2012||FCS-18NP|
|How Housing Matters; Eliminate radon for a healthy home||
The federal government banned lead-based paint in 1978. Before 1950,
|Jun 1, 2012||FCS-10|
|How Housing Matters; Lead-safe housing is healthy housing||
The federal government banned lead-based paint in 1978. Before 1950,
|May 2, 2012||FCS-9|
|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.
|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|
|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|
|Managing Prosperity: Estate and Retirement Planning for All Ages. Building Your Financial Team: Financial Planners||May 1, 2009||448-063|
|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|
Why is Mold an Issue Today?
We have always had mold – so why has it become such an issue today? Why do we read about mold in the media, or hear about mold litigation in the courts, or worry about mold affecting our health? There are many different reasons to consider.
|May 1, 2009||2901-7019|
Can We Really Prevent Mold Growth?
Molds are everywhere in the environment. They are a natural part of the ecosystem and we can not eliminate them completely. The problem is when there is an excess of mold growth in our buildings and the mold growth damages building materials or threatens our health. To prevent mold problems in our homes, we need to understand how mold grows and to learn to control the conditions that lead to mold growth.
|May 1, 2009||2901-7020|
Help! I Think I Have Mold! What Can I Do?
Molds are natural, common, and typical in the environment. They are actually an important part of our ecosystem as they help decompose dead organic matter. However, we do not want an excess of mold growing in our homes, decomposing the structure and damaging our possessions.
|May 1, 2009||2901-7021|
|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 -- Safety Items and Other Supplies||Oct 23, 2009|
|Planning for Baby ‐ The Basics You Will Need||
A baby needs a lot of things, but not as many as some businesses would like to sell. Information in this series of fact sheets includes what you and your baby will need when leaving the hospital and at home‐ including clothing, crib and other furniture, car seat, and safety items.
|Oct 22, 2009||2910-0734|
|Planning for Baby ‐‐ Crib Safety Tips||
Your baby will spend a lot of time sleeping. It is important to make sure that the crib is safe and where your baby is comfortable.
|Oct 23, 2009||2910-0737|
|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
|Oct 23, 2009||2910-7038|
|Planning for Baby – Car Seats||
You will need to take your baby home from the hospital using a car seat. Taking the baby with you presents many changes. The important thing to remember is that the baby’s safety should come first.
|Oct 22, 2009||2910-7035|
|Planning for Baby – Clothing Fabric Choices, Care Labels, Comfort, Fit, Size, and Safety||
Often the most enjoyable activity while waiting for baby is purchasing clothes. It is important to keep a couple of things in mind when making purchases. The most important one is to provide your baby with comfort! The second is that babies grow fast. This fact sheet will help you understand comfort and safety, choose fabrics, and read labels.
|Oct 22, 2009||2910-0736|
|Planning for Baby – Scams||
They appear like magic. The mailers, magazines, catalogs, e‐mail, and phone calls multiply as your baby’s arrival date gets closer. It seems that the marketers and con artists know your baby is on its way almost as soon as you do. Everyone has something to sell to make your baby smarter, healthier, safer, or wealthier than all the other babies. Deals for products that sound too good to be true probably are. You will also get many coupons and specials on photos, etc. Remember that a coupon only saves you money if you would normally purchase the item.
|Oct 23, 2009||2910-7040|
|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|