Tagged With "credit cards"

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:

Extension Educators can change their clients’ lives dramatically by sharing information and tools to build wealth. One of the most valuable financial resources is time for compound interest to work its magic on regular savings deposits such as Roth IRA contributions.

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In December, many Extension educators field questions about holiday shopping and subsequent debt repayment. Check out these tips to share with clients.

Below are five smart uses for tax refunds for Extension professionals: Debt Repayment- There is probably no better “investment” than repaying consumer debt (e.g., outstanding credit card bills). Paying off an 18% credit card is equivalent to earning a 20.5% return for taxpayers in the 12% tax bracket

Every extension educator has been there. You’ve just taught some personal finance content (e.g., investment basics or wise credit use) and you want to make sure that it “stuck.” You are looking for a fun, interactive activity to reinforce what you just covered. Below is a summary of ten interactive activities to review previously taught personal finance content: Educational Games - Tools that are popular with teachers in a K-12 setting can also work well as capstone reviews with adults. For...

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,...

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)...

You can now earn 2.0 free continuing professional education (CPE) credits for reading the Introduction and Chapter 1 of the Dietary Guidelines for Americans, 2020-2025 ! Credits are provided by the Commission on Dietetic Registration (CDR), the credentialing body for Registered Dietitians and Dietetic Technicians, Registered. The self-study module will equip professionals with knowledge of the scientific underpinnings that makes the  Dietary Guidelines  relevant across all life stages.

In 2022, the Federal Trade Commission (FTC) received over 93,000 reports of fraud by Military Consumers. Military families are frequent targets for scams. Explore the reasons for this, discover how you can help clients spot, avoid and report fraud.

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?

Transitioning into 2024 marked a new year. Many of us saw the new year as an opportunity to start fresh, but financial hardships and losses can have a lasting impact on our mental health. This type of impact leads to unforeseen trauma. Often, we make resolutions to hit the ground running in the new year, but old habits die hard, mainly when these habits are deeply rooted in our psyche. Let us be realistic: We all plan to go to the gym on January first; we even go shopping over the holiday...

Written by: Fe Villegas, MSW, Program Analyst, DoD Military Community Advocacy, Office of Force Resiliency Leaving an abusive partner can be an expensive undertaking. Research shows that most domestic abuse survivors experience financial abuse along with other forms of victimization (National Network to End Domestic Violence, n.d.). Coercive control, a characteristic of domestic abuse, and financial abuse – combined with how often survivors are isolated from their natural resources by their...

Food Systems Area Advisor (AP 24-21) University of California Agriculture and Natural Resources County Locations: Los Angeles County, Ventura County Date Posted: February 18, 2025 Closing Date: April 7, 2025 Job Description: https://ucanr.edu/publicFiles/jobs/2970.pdf Position Overview The University of California, Agriculture and Natural Resources (UC ANR) invites applications for a UC Cooperative Extension Food Systems Area Advisor, serving Los Angeles and Ventura Counties. The advisor...