Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Kenneth Stewart

Insurance for Hidden Financial Obstacles.

Title: Insurance for Hidden Financial Obstacles. Earlier this year a former high school classmate, a couple of years behind me, and his son were killed in a motor vehicle accident. The emotional impact on those families involved must have been devastating. My thoughts went to a woman that lost her spouse and her son, children […]

WRITTEN BY: Ken Stewart, Family and Consumer Sciences Educator, Ohio State Univesity Extension, Monroe County

REVIEWED BY: Courtney Warman, State Specialist, Healthy Finances

PHOTO CREDITS:

  • Stock Photo

SOURCES:

  • Andrew Hurst, January 2021, Value Penguin Most Americans Can Be Fully Insured for 20% of Income
  • Consumer Glossary (naic.org)
  • 8 Types of Insurance You Can't Go Without - Ramsey (ramseysolutions.com)
  • What is Insurance? | Principles of Insurance | Types & Benefits (byjus.com)

REFERENCES:

  • https://byjus.com/govt-exams/principles-of-insurance/#:~:text=To%20ensure%20the%20proper%20functioning%20of%20an%20insurance,Indemnity%205%20Subrogation%206%20Contribution%207%20Loss%20Minimization

Save Money by Lowering Vacation Costs

Lower Vacation Costs While I was growing up my father would sometimes say this about vacations, “It is not what you are doing that makes it a vacation, it is what you are not doing.” While it is true that we never went to “Wally World” we did go on a vacation of sort every […]

WRITTEN BY: Ken Stewart, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Monroe County

REVIEWED BY: Dr. Roseanne Scammahorn, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Darke County

PHOTO CREDITS:

  • Photo by Ken Stewart

SOURCES:

  • https://www.kasasa.com/blog/travel/cheap-vacation-ideas "Cheap Vacation Ideas: 11 Tips for More Affordable Summer Travels" March 22, 2022
  • https://www.ramseysolutions.com/saving/cheap-vacation ideas "15 Cheap Vacation Ideas for your Whole Family"- March 9, 2022
  • https://www.travelinspiredliving.com/things-to-see-in-ohio/

REFERENCES:

  • http://www.senic.org/
  • http://www.travelinspiredliving.com/
  • http://www.withintheworld.com/no-money-traveling

Healthy Giving-Philanthropy and Charitable Giving

I read a story recently in Ohio State News that Nina and Ryan Day gave $1 million to establish mental health resilience fund at Ohio State. Governor and Mrs. DeWine holding an event promoting Dolly Parton’s Imagination Library of Ohio was also a recent topic. This program promotes literacy, by putting free books into the […]

WRITTEN BY: Ken Stewart, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Monroe County

REVIEWED BY: Lisa Barlage, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Ross County

PHOTO CREDITS:

  • https://media.istockphoto.com/photos/edonation-concept-picture-id1298626388?k=20&m=1298626388&s=612x612&w=0&h=UHdDhdDUlEv867TIk_axUPBq_IYY4bmDU5x4V77Ft5I=

SOURCES:

  • https://blog.philanthropy.iupui.edu/2021/11/23/smart-giving-for-the-holiday-season-the-rest-of-the-year-and-a-lifetime/
  • https://news.osu.edu/nina-and-ryan-day-give-1-million-to-establish-mental-health-resilience-fund-at-ohio-state/
  • https://greatergood.berkeley.edu/article/item/5_ways_giving_is_good_for_you
  • https://ohioline.osu.edu/factsheet/FLM-FS-13-03-R10

Bad Credit, No Credit, What’s the Catch?

There are a couple of area car dealerships that advertise “Guaranteed Financing. Bad Credit! No Credit! No Problem! Guaranteed on the spot financing available.”  As the father of a teenage driver, I became curious to find out if this might be an option. What’s the catch? I also wondered would this option help build credit […]

WRITTEN BY: Ken Stewart, Extension Educator,Family and Consumer Sciences, Ohio State University Extension, Monroe County

REVIEWED BY: Lisa Barlage, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Ross County

PHOTO CREDITS:

  • Dan Gold-N7RiDzfF2iw-unsplash

SOURCES:

  • Credit Karma, Buy-here, pay-here financing: What you need to know (2022) Kim Porter
  • Lending Tree.com, Why you should skip the 'Buy Here Pay Here' Car Lots (2022)
  • Bank Rate What You Should Know About 0% APR Car Deals, Michelle Black

REFERENCES:

  • Consumer Financila Protection Bureau, https://www.consumerfinance.gov/consumer-tools/educator-tools/buying-a-car/#anchor_start.

Getting Financial Aid Without Getting Scammed

Avoiding financial aid scams.   My first year of college I was invited by a person from my dorm to attend a sales presentation. When they said that I would receive a FREE glass beer mug I agreed. I attended the presentation, thinking that I would stay only long enough to get my mug. It turned […]

WRITTEN BY: Ken Stewart, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Monroe County

REVIEWED BY: Courtney Warman

PHOTO CREDITS:

  • https://pixabay.com/photos/mentor-school-students-college-3513738/

SOURCES:

  • https://studentaid.gov/resources/scams
  •  http://www.consumer.ftc.gov/articles/how-avoid-scholarship-and-financial-aid-scams
  • https://studentaid.gov/articles/student-loan-scams   

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