Family and Consumer Sciences

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Ohio State University Extension

Search Results for: Your financial life

What if I Don’t Want My House Anymore?

Guilt. Remorse. Sadness….and maybe elation if this payment doesn’t need to be made anymore. The realization that you will no longer be a homeowner has become very clear. As a homeowner, you may have decided that it is time for a dignified end to your role as a homeowner. For others, it is time to […]

WRITTEN BY: Nancy Stehulak, M.Ed, Extension Educator, Ohio State University Extension

REVIEWED BY: Carlie Boos, Ohio Housing Finance Agency

PHOTO CREDITS:

  • Pixabay.com

SOURCES:

  • The Consumer Financial Protection Bureau; www.consumerfinance.gov
  • www.experian.com;

What is a loan modification and how do I get one?

For homeowners facing financial hardship, it may become increasingly difficult to make payments on their mortgage.  This may, understandably, be an overwhelming time for many but it is valuable to know that there are options available to help families traversing financial difficulty.  If you find yourself in this situation, one such option is loan modification, […]

WRITTEN BY: Amanda Woods, Healthy Finances Program Specialist, Family and Consumer Sciences, Ohio State University Extension

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

Negative Credit Q and A

I taught bankruptcy education classes for eight years, and one of the most frequently asked questions by participants was how long a bankruptcy judgment would stay on their credit report. According to surveys conducted by the three credit reporting agencies (Experian, Equifax, and Transunion), the number one reason consumers call or visit their website is […]

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:

  • www.flickr.com

SOURCES:

  • http://blog.equifax.com/credit/how-long-do-closed-accounts-stay-on-my-credit-report/

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

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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