Category: Financial Security for All

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Monthly Investment Message: May 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

Seize Control of Your Financial Life

 

Want to be a successful investor? Seize control of your financial life with the eight strategies described below:

 

Accept What You Can’t Control (e.g., stock market volatility, cutbacks made to employer benefit plans, and declining housing market values) and Control What You Can (e.g., spending decisions, enhanced training and education, and money contributed to an IRA or employer retirement savings plan). Buying …

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Monthly Investment Message: June 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

June 2016

Tips for Keeping Spending Plan Record

Want to be a successful investor? Start by managing your cash flow. A spending plan (a.k.a., budget) is a plan for spending and saving your income.  Two keys to developing a successful spending plan are using realistic figures for each expense category (e.g., food) and an easily manageable record-keeping system. 

 

Looking for an easy way to manage your finances?  Below …

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Monthly Investment Message: July 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

July 2016

Challenge Yourself to Save and Invest

What’s the best way to “find” money to save or invest? There is no one right answer. Automatic payroll deductions work well for many people, For example, they have deposits into a credit union account or 401(k) or 403(b) retirement savings plan automatically taken out of their paycheck, before they spend it. Other people do well saving loose change in …

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Monthly Investment Message: September 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

October 2016

Seven Side Effects of Saving and Investing

 

An important result of saving and investing is having a sum of money available to use for emergencies or to fund future financial goals such as a vacation, new car, or retirement. With savings also comes peace of mind in knowing that you’re not on the “financial edge” with little or no money in reseve to handle negative life …

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Monthly Investment Message: October 2016

Barbara O’Neill, Extension Specialist in Financial Resource Management

Rutgers Cooperative Extension

oneill@aesop.rutgers.edu

October 2016

Seven Side Effects of Saving and Investing

 

An important result of saving and investing is having a sum of money available to use for emergencies or to fund future financial goals such as a vacation, new car, or retirement. With savings also comes peace of mind in knowing that you’re not on the “financial edge” with little or no money in reseve to handle negative life …

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Michael Gutter

Michael Gutter

Michael conducts research into factors that influence financial behaviors. He is particularly interested in how financial education and financial socialization are related to financial decision making. His goal is to help families achieve financial security.

Michael is an Associate Professor and Family Economics State Specialist for the Department of Family, Youth, and Community Sciences in the University of Florida’s Institute for Food and Agricultural Sciences. Michael coordinates interactive learning programs for eXtension’s personal finance resource area, also know …

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Health Insurance FAQs

The Health Insurance Literacy ASK group provides answers to your questions about the Affordable Care Act to help you make smart health insurance choices and to plan your personal finances.

Here is a collection of the most common questions. If you can’t find the answer to your question among the list, you can search for additional information using the search box at the top of the page or submit your own personal question to our Ask an Expert Feature. …

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Erik Anderson

Erik Anderson's profile photo

Dr. Erik Anderson is Extension Professor in the Department of Agricultural and Extension Education at the University of Idaho. Erik develops web content for the Financial Security for All Community of Practice. He has been actively involved with the national eXtension initiative since 2005.

Dr. Anderson holds a Ph.D. in Adult Education from the University of Idaho. He also has a master’s degree in Communication Arts from the University of Wisconsin-Madison. During his 30-year career at the University of …

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What happens if even the bronze plan under the Affordable Care Act (ACA) costs too much?

The Affordable Care Act mandates that most people are insured either through their place of employment or purchasing a policy on their own. Remember, beginning in October 2013 there will be options in every state for purchasing insurance through a state-wide Marketplace.

There are exemptions from that mandate for several reasons including financial hardship, which is an official definition based on income and family size. The good news is that, depending upon your income level, you may qualify for …

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Do children fall off my insurance policy on the day of their 26th birthday? How do they avoid a lapse in coverage?

Under the Affordable Care Act, children and step children can stay on their parent’s insurance policies until their 26th birthday, provided the parent’s plan allows dependent coverage. Retiree insurance plans, for example, are not required to extend coverage to dependents. Children can be covered by the parent’s insurance plans even if they are married, do not live with the parent or are not financially dependent on the parent. They can also be covered even if they are eligible to …

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