Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Money

Your Financial Life – Credit Reports

A big part of your financial life is your credit report. Not to be confused with your credit score, your credit report allows you to see your credit history in detail. Credit users have three different reports from three different credit bureaus, Equifax, TransUnion and Experian. Research(PDF)Links to a PDF document. from the Consumer Financial […]

WRITTEN BY: Joanna Rini, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Medina County, rini.41@osu.edu

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

SOURCES:

  • http://files.consumerfinance.gov/f/201502_cfpb_report_consumer-voices-on-credit-reports-and-scores.pdf
  • http://solutionsforyourlife.ufl.edu/hot_topics/families_and_consumers/credit_scores.shtml

REFERENCES:

  • www.annualcreditreport.com

Checkbook Challenge: Overdraft Fees

Nothing is more aggravating to consumers, financially, than overdrawing their checking account. To avoid the harsh financial penalties associated with checkbook errors, some consumers opt in for overdraft protection. Depending on what kind of protection you choose, those penalties and processes may differ in consequence and severity.   What’s an overdraft? When you spend or […]

WRITTEN BY: Donna Green, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Erie County

REVIEWED BY: Melissa Welker, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Fulton County

PHOTO CREDITS:

  • http://search.creativecommons.org/

What if I Cannot Make My Mortgage Payment?

  As we’ve all learned, it is nearly impossible to live life without experiencing one hardship or another. In many cases, an unexpected economic change can jeopardize your ability to meet mortgage obligations and increases your risk of foreclosure. Data from the Ohio Housing Finance Agency finds that the most common family crises that threaten […]

Millennials and Homeownership

“Homeownership has long been central to Americans’ ability to amass wealth”, according to the report on a study by researchers at the Joint Center for Housing Studies at Harvard. And… “Millennials are less likely to be homeowners than young adults in previous generations”, according to The Council of Economic Advisers in the Executive Office of […]

REVIEWED BY: Michelle Treber, Extension Educator, Family and Consumer Sciences, Ohio State University Extension

SOURCES:

  • https://www.whitehouse.gov/sites/default/files/docs/millennials_report.pdf
  • http://www.jchs.harvard.edu/news/homeownership-and-wealth-creation
  • http://www.americasaves.org/for-savers/set-a-goal-what-to-save-for/save-for-a-home/america-saves-promotes-home-ownership

REFERENCES:

  • http://www.nytimes.com/2014/11/30/opinion/sunday/homeownership-and-wealth-creation.html?_r=0

Online and Mobile Banking Safety

Many of the errands or tasks that once required us to leave the comfort of our homes, we’re now able to do online – at your kitchen table, on the couch, or in bed. Whether it’s shopping, DVD rentals, library checkouts, or license plate registration, tasks that used to require a paper and pen or […]

REVIEWED BY: Melanie Hart, Extension Educator, Family and Consumer Sciences, Ohio State University Extension

SOURCES:

  • http://files.consumerfinance.gov/f/201406_cfpb_consumer-tips_mobile-rfi.pdf
  • http://www.federalreserve.gov/econresdata/mobile-devices/2012-current-use-mobile-banking-payments.htm

REFERENCES:

  • http://www.consumer.ftc.gov/articles/0014-tips-using-public-wi-fi-networks

What Separates a Have from a Have-Not?

One of the surest ways to create a heated discussion with someone is to bring up the subject of welfare. Everyone has an opinion about public assistance, and what the government should do to expand, or downsize, “the system.” Whether you think it should get bigger or smaller will depend on your perception of why […]

WRITTEN BY: Donna Green, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Erie County

REVIEWED BY: Melissa Welker, Extension Educator, Family and Consumer Sciences, Ohio State University Extension, Fulton County

PHOTO CREDITS:

  • https://www.google.com/search?site=imghp&tbm=isch&q=poverty&tbs=sur:fmc

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