February 21 through June 4, 2016. Enroll online now for this FREE program.
Sunday, February 21 through Saturday, June 4, 2016
Challenge yourself to save money for a short-term goal over a 15-week period that starts during America Saves Week 2016. Register online, pick a Challenge plan (Basic Challenge, “Hard Core” Challenge, or any other financial goal of your choice) and track your progress. Submit …
Barbara O’Neill, Extension Specialist in Financial Resource Management
Rutgers Cooperative Extension
Personal finance does not have to be complicated. Rather, most people can manage their finances quite well by doing just a few key things right. Below are ten suggestions to improve your personal finances:
Spend Less Than You Earn– The only way to save and invest is to have money left over after expenses. Shop around for bargains (e.g., online
Barbara O’Neill, Extension Specialist in Financial Resource Management
Rutgers Cooperative Extension
Tips for Beginning Investors
Every year, some people start to invest for the very first time. Many investment “newbies” are young adults who have recently landed their first full-time job and enrolled in a tax-deferred 401(k) or 403(b) employer retirement savings plan. Others are older adults who have accumulated (or inherited) a lump sum of money. Below are eight tips for successful investing:
Develop an “Investor’s Mindset”- When
Cooperative Extension is celebrating Money Smart Week with a live Twitter chat and Google Hangout. Join the conversation at 1:00 p.m. EDT on Friday, April 29th, using Twitter and hashtag #MSWchat. You can also view our panelists live on our Google Hangout (link provided below).
Cooperative Extension is a long-standing national Money Smart Week partner and participates in MSW events in communities across the U.S. More information about the MSW/USDA partnership can be found here: http://www.moneysmartweekpartners.org/usda
Panelists for the #MSWchat …
Barbara O’Neill, Extension Specialist in Financial Resource Management
Rutgers Cooperative Extension
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 …
Barbara O’Neill, Ph.D., CFP®
Extension Specialist in Financial Resource Management and Distinguished Professor
Rutgers Cooperative Extension
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 …
Barbara O’Neill, Ph.D., CFP®
Extension Specialist in Financial Resource Management, Rutgers Cooperative Extension
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 …
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 …
Dr. Barbara O’Neill is Rutgers Cooperative Extension’s Specialist in Financial Resource Management. Barbara is eXtension’s leader for the Personal Finance Ask an Expert and Frequently Asked Questions (FAQs) resources.
Dr. O’Neill earned her Ph.D. in Resource Management and Family Economics from Virginia Tech University. She also holds a master’s degree in consumer economics from Cornell University and a bachelor’s degree in home economics from the State University of New York-Oneonta. Barbara holds numerous professional certifications including certified financial planner (CFP), …
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 …
