Author: personal-finance

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Barb Wollan

Barb Wollan, Iowa State University Extension and Outreach

Barb Wollan teaches families and individuals about personal finance. She is particularly interested in helping low-income families improve their finances and maintain their family stability. Working with a number of at-risk audiences has made Barb aware of the complex issues and constraints faced by many low-income families.

Barb is a Family Finance Program Specialist for Iowa State University Extension and Outreach where she provides financial education for nine central Iowa counties. She joined ISU Extension in 1995 after serving six …

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Virtual Economics: Bitcoin and Beyond

Bitcoin

The myriad voices publicly explaining, debating, arguing, sniping, and prognosticating about the future of the new digital “cryptocurrency”  Bitcoin, propelled the virtual currency to a top spot among the hottest news topics of 2013, with little sign of cooling off.

Its advocates describe Bitcoin as the future of money, populist banking, decentralized trust, and the currency of social revolution that will enable global collaboration on an unprecedented scale.

Critics decry it as play money in a virtual casino, an …

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MFLN Personal Finance Virtual Learning Event


Graphic of 2016 Personal Finance VLE details with photo of jogger

Enhancing Financial Fitness

The Military Families Learning Network Personal Finance Virtual Learning Event (VLE) is a 3-day virtual event aimed at connecting personal finance managers and educators working with military service members with research, resources and each other. The 2016 event will focus on the research, traits and behaviors that lead to financial success. Being “financially fit” means having financial understanding and the capability to make positive financial decisions. 

2016 Events

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Monthly Investment Message: June 2014

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Investment Fraud and How to Avoid It

Each year, thousands of consumers lose billions of dollars to investment fraud. It is not uncommon for con artists to use chat rooms and social media to post “urgent” messages telling people to buy a particular stock. This type of fraud, known as pump and dump, artificially inflates the price of shares and allows stock manipulators to make a huge profit …

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Keeping Your Financial Records Secure

Computer on a desk.Photo by Ian Dick. Used with permission.

Watch this webinar recording Keeping Your Financial Records Secure and learn how to manage your financial records – paper, electronic, and web-based – to keep them secure and accessible at all times. 

WATCH WEBINAR

This webinar was presented by Sara Croymans, Lori Scharmer, and Steve Judd. Croymans is a family resiliency Extension educator with University of Minnesota; Scharmer is a North Dakota State University Extension family economics specialist; and Judd is manager …

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The Affordable Care Act and Income Taxes

Barbara O’Neill, Ph.D., CFP®

Extension Specialist in Financial Resource Management and Distinguished Professor

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

 

For the first time ever, during the 2014 federal income tax year, health insurance became intertwined with income taxes. More than 75% percent of Americans with year-long health insurance provided by an employer, private insurance policy, or other non-Marketplace health insurance source simply have to check the “Full-year Coverage” box on Line 61 of the 1040 tax form. For others, the process of …

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Do You Know Your Digital Assets?

Barbara O’Neill, Ph.D., CFP®

Extension Specialist in Financial Resource Management, Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

The term “digital assets” refers to personal information that is stored electronically on either a computer or an online “cloud” server account. Anyone who uses e-mail on a computer, has a password protected cell phone, uses social media, makes online purchases, or pays bills or does banking online has digital assets.

Digital assets generally require a user name and/or password or PIN to access and can …

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Molly Herndon

Molly Herndon

  Molly Herndon is the Social Media Specialist for the Military Families Learning Network’s Personal Finance Concentration Area. Since 2011, she has managed her team’s social media presence and worked to create a network for Extension Educators and Military Personal Finance Managers by providing resources and information on personal finance topics through various social media outlets and the Military Families Learning Network Blog. She has also supported the efforts of her team by coordinating and promoting monthly professional …

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Student Loans

College students at commencement ceremony

We have 10 fact sheets and resources to help students and parents understand student loans, identify other ways to pay for college, and manage student debt.     

Going to college means going into debt for a majority of American college students and the total amount of student loan debt now exceeds 1 trillion dollars. Students have a choice of Direct Loans from the U.S. Department of Education or other lenders. When making the choice, students should keep in mind that federal …

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Why is there a Health Insurance Marketplace?

The Patient Protection and Affordable Care Act mandates that each state must have an online health insurance “marketplace” or “exchange” to make comparing health insurance and purchasing a policy easier for you. This is not the only way to enroll. More information about getting help by phone or in person is available in the FAQ “Is there ayone who can help me determine my best health insurance option?”

The Health Insurance Marketplace will be open October 1, …

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