Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Money

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

Insuring your furry family member

Sixty-three percent of U.S. households own a dog or cat, sales of pet care services are totaling at $5.8 billion dollars in the U.S., $123.6 billion U.S. pet industry dollars was spent in 2021 and by 2026 veterinary occupations are expected to grow almost three times faster than projected growth for all occupations. Our pets […]

WRITTEN BY: Candace J. Heer, Educator, Family and Consumer Sciences, Ohio State University Extension, Morrow County; heer.7@osu.edu

REVIEWED BY: Laura Halladay, Educator, Family and Consumer Sciences, Ohio State University Extension, Greene County; halladay.6@osu.edu

PHOTO CREDITS:

  • Phinneas E. Heer, 2022, taken by C.J. Heer
  • Binny at camp, 2022, taken by Laura Halladay

SOURCES:

  • American Pet Products association. Pet Industry Market Size, Trends & Ownership Statistics
  • American Veterinary Medical Association. U.S. pet ownership statistics
  • Consumer Financial Protection Bureau. Financial terms glossary
  • Consumer Financial Protection Bureau. What is insurance?
  • Forbes Advisor. Best Pet Insurance of 2022
  • Healthypaws Pet Insurance & Foundation. History Lessons: Pet Health Insurance
  • North American Pet Health Insurance Association (NAPHIA). State of the Industry Report 2022
  • U.S. Bureau Of Labor Statistics. Ahead of the pack: why are veterinary occupations growing much faster than average?
  • United States Census Bureau. Pet Owners Spending More on Time-Saving, Specialty Pet Care Services
  • U.S. News and World Report. Best Pet Insurance Companies of 2022
  • 2022 GlobeNewswire, Inc. North America Pet Insurance Market size to surpass $3.8bn by 2027, says Graphical Research

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.

Is your tire going flat?

Have you ever been in a car that had a tire go flat?  Did you notice warning signs before it went flat? Maybe a warning light came up on your dash or you noticed a bit more vibration while driving? Even if you didn’t notice the signs, you knew when it went flat. Life gives […]

WRITTEN BY: Dr. Roseanne Scammahorn, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Darke County, Scammahorn.5@osu.edu

REVIEWED BY: Susan Zies, Assistant Professor, Family and Consumer Sciences, Ohio State University Extension, Wood County, zies.1@osu.edu

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   

What is Your Pedigree?

It’s Not So Much Who You Are as Much as It Is Your Credit Score Not to sound too much like an aging, gray haired individual but “back in the day”, people in a community knew who you were because of your pedigree. What is a pedigree? When speaking about humans, it is “a register […]

WRITTEN BY: Dennis DeCamp

REVIEWED BY: Dr. Roseanne E. Scammahorn

PHOTO CREDITS:

  • https://www.rawpixel.com/search/%20gentlemen%20shaking%20hands?page=1&sort=curated&tags=%24free

REFERENCES:

  • Resources https://www.merriam-webster.com/dictionary/pedigree
  • https://www.fdic.gov/resources/consumers/consumer-news/2021-08.html

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