Tagged With "retirement savings"
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A One Hour End-of-Year Financial Checkup
Like a medical exam, a review of clients’ finances can identify strategies to improve their “financial fitness” and screen for potential problems, such as a high debt-to-income ratio. This article features 10 diagnostic tools to assess the strengths and weaknesses of a client’s financial situation that can be reviewed in a one-hour appointment.
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Downsizing Holiday Debt
Families often have leftover holiday debt hanging over their heads like a big dark cloud. What can you do to help these clients? Below are 5 time-tested debt repayment steps to consider using.
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Build a Better Beverage
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How to Help Your Client Balance Saving Money Versus Paying Off Debt
Finding the balance between paying off debt and saving more money can be overwhelming. While it may be tempting to focus on one or the other, it may be possible to both save money and pay off debt at the same time with the right plan. Paying Off Debt The first step to paying off debt is knowing what is owed. Clients should make a list of their debts including the lender’s name, the total amount owed, the monthly payment, and the interest rate. Before attempting to save any income, they...
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Let's Talk Money
University of Illinois Extension is providing a series of six free online workshops to help families learn about personal finances as well as strategies for talking about money. The workshops are held each Thursday evening beginning May 5. The one-hour sessions start at 6:30 p.m. Registration is required at go.illinois.edu/TalkMoney to receive Zoom connecting information. If a reasonable accommodation is needed to participate, contact Camaya Wallace Bechard , Extension consumer economics...
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Jackie French
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May Is Older Americans Month: Elder Abuse Is a Social Determinant of Health
In this post, the author discusses addressing Elder Abuse to improve health outcomes for older adults and promotes aging in place. The Elder Justice Initiative at the U.S. Department of Justice provides training and resources to help promote the health and well-being of older adults.
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Southern University AgCenter 2nd Annual Emergency Preparedness, Response and Recovery Virtual Conference Webinar Series
Save the Date(s) for the 2nd Annual Emergency Preparedness, Response and Recovery Virtual Webinar Series hosted by the Southern University AgCenter. Please share this flyer within your networks and communities. Registration links are forthcoming. #emergencypreparedness #disasterpreparedness #conference #webinar
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Southern University AgCenter 2nd Annual Emergency Preparedness, Response and Recovery Virtual Conference Webinar Series
Save the Date(s) for the 2nd Annual Emergency Preparedness, Response and Recovery Virtual Webinar Series hosted by the Southern University AgCenter. Please share this flyer within your networks and communities. Registration links are forthcoming. #emergencypreparedness #disasterpreparedness #conference #webinar
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How to Save on Travel
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Make Your Savings Grow
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Understanding if Special Needs Trusts & ABLE Accounts are Right for Your Family
Join OneOp Military Caregiving and Personal Finance concentration areas as they host a professional development webinar on August 24, 2022 at 11:00 AM ET on ‘ Special Needs Trusts and ABLE Accounts .’ If you or someone you know is caring for an individual with special healthcare needs and thinking about long-term planning, it may be helpful to RSVP for this upcoming event to learn which disability program is right for your family. Special needs trusts are used to purchase goods and services...
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Financial Health: What It Is and How to Achieve It
Extension educators are in a position to help consumers build financial health. This post describes what financial health is, how to assess it, and twelve steps to achieve it. What Is Financial Health? Financial health is the current state of someone’s finances. It includes both daily financial functioning (e.g., paying bills) and long-term resilience and opportunity. Like physical health, financial health can change over time and needs to be assessed regularly. According to the Financial...
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Re: Retirement Benefit Basics for Active Duty, Guard, and Reserve Components
Automated message: Thanks for sharing this event! If you can, please remember to update this listing after your event with a link to the recording. You can do that by coming back to your event here in Connect Extension, clicking "Manage Event" and then "Edit Event." From there, I suggest adding the words "Recording Available Here" to the top of your event and linking out to the recording. Example: Recording Available Here Thanks for helping us make this an awesome archive of resources for...
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Teaching Children About Money
Financial education courses notwithstanding, children’s strongest financial influence is most likely their parents. Below are tips for Extension educators to share with parents interested in teaching their children about money:
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Double Duty Meals
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Money-Saving Tips for Uncertain Times
Between a four-decade record high for inflation and rising interest rates, many Americans are being squeezed financially.
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Food Too Good to Waste
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Alignment with a Stop Light?
You've worked hard to come up with a great plan that will make things easier, remove frustrations, and even save time for everyone. You're proud of it. It's thorough. It's researched. You've consulted people with more experience in this area. You've taken criticism. You've been vulnerable. Now it's time for the big meeting to unveil it. You're excited. Even a bit nervous. It's your turn on the agenda and... Your excitement is met with a mild, lukewarm reception from the team. What happened?
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The Perfect Meeting
"One can either work or meet. One cannot do both at the same time." -Peter Drucker Darn it! He's right again. Despite our best efforts we can only do one of these (effectively) at a time. Through this, he also reminds us of the multitasking myth. What we actually do is task switch. It takes 40% longer to accomplish two things we're switching on and longer when we add a third or fourth task. One thing we can do to help with effectiveness is to have better meetings. Most HR professionals will...
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Save the Date and Call for Proposals: Northeast Digital Equity Summit
The Northeast Regional Center for Rural Development is pleased to announce a call for presentation proposals addressing issues of digital equity for inclusion in its upcoming Northeast Digital Equity Summit, which will take place virtually on September 19, 2023, from 9:00 a.m. to 3:00 p.m. ET. Proposals are due June 30, and the full call is here . Registration information for the Summit will come out in July.
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Helping Military Families Inflation-Proof Their Budget
For over two years, U.S. inflation rates have exceeded their long-term average of about 3%. Like all Americans, military families have experienced a loss of purchasing power as their income cannot buy as much as it did previously. Individuals cannot stop inflation but they can mitigate its impact. Below are six inflation-fighting strategies for Extension professionals to discuss with Service members: Needs Versus Wants Analysis - During inflationary times, it is more important than ever to...
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A ChatGPT Primer for Financial Educators
Since launching in November 2022, ChatGPT has become the fastest technology tool to reach 100 million users…ever. Some are calling it “the next transformational platform.” Extension Educators may field questions about ChatGPT or consider its use in their work. Below are five key things to know about this ground-breaking artificial intelligence (AI) tool: ChatGPT Description - ChatGPT is “a very smart text-based robot” that can answer questions and have conversations with users. GPT stands...
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Ten Strategies to Fight Shrinkflation
One cause of food insecurity among military families is inflation. As food costs rise, the ability to make nutritionally sound food purchases and maintain consistent access to food decreases. In February 2023, food prices were 9.5% higher than a year earlier according to the USDA Economic Research Service. Another cause of concern for cash-strapped military families is “ shrinkflation ,” i.e., where food and household product (e.g., toilet paper) manufacturers keep prices the same but reduce...
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EXCITE Activity 2: Evaluation Tools
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EXCITE Activity 2 Assets: Other
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Facing Organization Changes with Monkeys, Marathons & Popcorn!
Recently we held a workshop on change where the participants mentioned something they were hearing in their organizations. "That's how we do things around here." This phrase is often used to explain a cultural behavior or process. It seems to provide plausible deniability and deflect blame for the current situation. Healthy organizations know they must deal with the challenges of change versus the status quo. No change and you become obsolete. Change for change's sake means chaos rules and...
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Normalizing the Conversation: Mental Health
By: Sara Croymans adapted by Anna Peterson Part 1 of this blog post introduced the topic of military mental health and suicide and provided a variety of resources. To learn more, go back and read the blog post here . Many Service members and veterans with mental health needs are not seeking treatment for mental health care. One study found that more than 60% of veterans of the Iraq war that screened positive for post-traumatic stress disorder (PTSD), generalized anxiety, or depression did...
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Balancing Your Mental Health to Better Serve Others
As September approaches we want to recognize Suicide Awareness Month, a time dedicated to raising awareness about suicide prevention, promoting understanding of mental health challenges, and fostering conversations that can save lives. Mark your calendar for 11:00 AM ET on September 27, 2023 and plan to attend OneOp’s professional development opportunity focused on balancing our mental health to better service others. To learn more, go to: Balancing Your Mental Health . Providers, whether...
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Where were you?
The day started out as any other. A pretty normal Tuesday in fact. Put my uniform on, drove through the front gate of the Air Force base where we were assigned, and got to work. After a few minutes, it was apparent this wasn't going to be just another Tuesday... In our military, readiness exercises happen all the time to prepare for events involving natural disasters and domestic/international threats. Awareness of these exercises occurs from internal communication and is posted at the base...
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Holiday Shopping with a Financial Mind$et
As we approach the Christmas season, be mindful of excessive holiday spending. While Christmas is the season of giving, excessive spending can lead to much regret, depression, and even added financial struggles in the new year. According to Berden and Haws (2012), spending can quickly get out of hand when it is driven by emotions rather than a plan. Have you ever gone to the store to grab a few items, but as you stroll next to the; buy one get one free, the rollbacks, the manager's special,...
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"Hot" for Change!
Imagine you're making popcorn on the stove. You heat the oil and put in the kernels. Too little heat and the kernels don't pop. Too much heat and the popcorn isn't edible because it's burned. Just the right amount of heat makes a yummy treat! Heat is the catalyst for change. It's the same for our teams and organizations. You're in the regular weekly update meeting and the boss checks in on how everyone is doing with the newly installed system-wide software. One team member speaks up and says...
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Emotional Spending 101
Unlike impulsive buying, emotional spending is frequently heightened by stress, grief, or moments of happiness or sadness. Regardless of these triggers, they can impact your finances negatively. For example, you shop to make yourself feel better after a bad day at work. As a result, compulsive shopping and spending stems from an impulse disorder habit that can be addictive for many. The relationship between money and happiness is now seen as complete. Aknin, Wiwad, and Hannibal (2018)...
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Extension Foundation Releases New NTAE Titles
The Extension Foundation has added five new titles to its publications library. The brief publications - written as magazine-style feature stories - share project work funded through the New Technologies for Ag Extension (NTAE) program , a cooperative agreement between USDA NIFA, Oklahoma State University, and the Extension Foundation. NATE's goal is to incubate, accelerate, and expand promising work that will increase the impact of the Cooperative Extension System (CES) in the communities...
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They showed up...
Veterans Day always falls on November 11 of each year. This date was chosen to commemorate the anniversary of the end of World War 1, which occured at the 11th hour of the 11th day of the 11th month in 1918. Much of the world, especially Europe, recognized this date as Armistice Day. They Showed Up The veterans of the Revolutionary War showed up with flintlock hunting rifles. The day after Pearl Harbor, brave citizens showed up to wait in long lines at recruiting stations for World War II.
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Financial Considerations for Pet Ownership
Brown (2023) estimates that nearly 62% of Americans have a pet, and half of pet owners not only consider their pets to be a part of their family but say they are as much a part of their family as a human member. Identify ways for pet ownership to teach financial responsibility and explore special considerations for military families, including the new pet transportation allowance for CONUS and OCUNUS PCS moves.
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Implementation Phase: Social Media- All Vaccines
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Understanding the Cost of Convenience
Our society moves at a fast pace. Most any purchase is available at the push of a button, making delayed gratification a concept of the past. Do you want groceries or merchandise now? No problem. Are you hungry, but don’t have time to get takeout? Don’t worry, it can be conveniently delivered. The question is… what does all this convenience really cost?
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Save the Date! Attend National Agricultural Library's Webinar on Nutrition Resources
Learn about the USDA National Agricultural Library's (NAL) nutrition resources and tools during National Nutrition Month® by attending our free webinar on Thursday, March 28, 2024 at 1:00 pm ET . “Discover the USDA National Agricultural Library Nutrition Resources and Tools During National Nutrition Month®.” Register Here In this 60-minute webinar, the NAL's Food Safety and Nutrition Programs will highlight nutrition and food safety resources and tools for nutritional professionals including...