Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Your Financial Life – What Your Credit Report and Credit Score Can Impact

We know having good credit is an important part of our financial lives.  It helps in getting a loan from a financial institution and obtaining a credit card.  Since a credit report and credit score help determine the interest rate we will be charged – good credit will insure the rate will be lower (and […]

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

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

SOURCES:

  • http://www.consumerreports.org/cro/car-insurance/credit-scores-affect-auto-insurance-rates/index.htm
  • https://insurance.ohio.gov/Newsroom/Tips/Pages/CreditScore.aspx
  • http://www.experian.com/blogs/ask-experian/credit-education/life-events/employment/
  • https://www.consumer.ftc.gov/articles/0152-credit-scores
  • http://www.dca.ca.gov/publications/landlordbook/looking.shtml
  • https://www.consumer.ftc.gov/articles/0157-employment-background-checks,
  • https://www.eeoc.gov/eeoc/publications/background_checks_employers.cfm

REFERENCES:

  • https://livesmartohio.osu.edu/money/rini-41osu-edu/your-financial-life-credit-reports/
  • https://livesmartohio.osu.edu/money/heer-7osu-edu/your-financial-life-credit-scores/

Gain Confidence in Your Financial Future

Saving for retirement is an important step for us all to take toward financial stability in old age, and yet many Americans are not doing enough to prepare.  According to a 2016 Retirement Confidence Survey conducted by the Employee Benefit Research Institute (EBRI), only 21% of employees poled said they were very comfortable with the amount […]

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

REVIEWED BY: Lauren Jones, PhD Assistant Professor Department of Human Sciences. Melanie S. Hart, M.S. Family and Consumer Sciences Educator, Ohio State University Extension & Shawna Hite, Healthy People Program Specialist, OSU Extension Family & Consumer Sciences

PHOTO CREDITS:

  • pixabay.com

SOURCES:

  • America Saves - AmericaSaves.org
  • Employee Benefit Research Institute (EBRI), 2016, https://www.ebri.org/pdf/pr1157.rcs-16.22mar16.pdf

To Wait or Not to Wait?

Do you ever find yourself waiting until the last possible minute to complete a task that needs done?  Do you find yourself inviting people over for a party so that you have a reason to clean?  Do you find it hard to say “no”? Do you have too many things on your “to do” list? […]

WRITTEN BY: Jami Dellifield, Family and Consumer Sciences Educator, Ohio State Extension, Hardin County

REVIEWED BY: Cheryl Barber Spires, Program Specialist, Ohio State University Extension, Northwest Region

PHOTO CREDITS:

  • https://pixabay.com/en/business-career-depressed-employee-19156/

SOURCES:

  • http://www.columbia.edu/itc/gs/study/readings/PROCRAS.htm
  • http://www.merriam-webster.com/dictionary/procrastinate
  • https://www.princeton.edu/mcgraw/library/for-students/avoiding-procrastination/procrastination.pdf
  • http://writingcenter.unc.edu/handouts/procrastination/
  • http://sas.calpoly.edu/asc/ssl/procrastination.html

REFERENCES:

  • Burka, Jane B. and Lenora M. Yuen. Procrastination: Why You Do It, What to Do About It. Reading, MA: Addison-Wesley Publ. Co., 2008, 1983. https://books.google.com/books?id=Y8yU9nhq8C0C&lpg=PR7&ots=GGF-VGoO1y&dq=Procrastination%2C%20authors%20Burka%20%26%20Yuen&lr&pg=PR6#v=onepage&q=Procrastination,%20authors%20Burka%20&%20Yuen&f=false

Have you had your canner checked this year?

The season of fresh fruits and vegetables is here.  How nice it is to be able to enjoy local fruits and berries that we can either freeze or preserve using a water bath canner for family meals when the snow flies.  But with our vegetables, we must use a pressure canner that’s in good working […]

WRITTEN BY: Melinda Hill

REVIEWED BY: Kate Shumaker, Extension Educator, Family & Consumer Sciences, Holmes County

SOURCES:

  • http://nchfp.uga.edu/how/can4_vegetable.html

REFERENCES:

  • http://ohioline.osu.edu/factsheet/HYG-5344

Gratitude in Modern-Day Patriotism

It can be difficult to find news to be thankful for in the U.S. media and political landscape. We’ve surfaced from two divisive primary campaign cycles and now settle to look toward the U.S.’s future–as we also honor our Independence. This July 4th, let’s take a break from the angry rhetoric to show gratitude to those who have […]

WRITTEN BY: Shawna Hite, Healthy People Program Specialist, OSU Extension, Family & Consumer Sciences

REVIEWED BY: Pat Holmes, OSU Extension Educator, Family & Consumer Sciences

SOURCES:

  • University of California, Berkley (2016). How to Build Gratitude. Retrieved from: http://ggia.berkeley.edu/#filters=gratitude

REFERENCES:

  • Archard D. (2013). Nationalism and Patriotism. The International Encyclopedia of Ethics.
  • Balz D., (January 2016). A divided country gets a divisive election. The Washington Post. Retrieved from: https://www.washingtonpost.com/politics/a-divided-country-gets-a-divisive-election/2016/01/09/591bfccc-b61f-11e5-a842-0feb51d1d124_story.html
  • Begley S., (March 2016). Obama slams ‘divisive’ and ‘vulgar’ rhetoric of 2016 campaign. Time. Retrieved from: http://time.com/4274568/obama-vulgar-divisive-2016/
  • Emmons, R. A., & Stern, R. (2013). Gratitude as a psychotherapeutic intervention. Journal of clinical psychology, 69(8), 846-855. Retrieved from: http://onlinelibrary.wiley.com/doi/10.1002/jclp.22020/epdf?r3_referer=wol&tracking_action=preview_click&show_checkout=1&purchase_referrer=scholar.google.com&purchase_site_license=LICENSE_DENIED_NO_CUSTOMER
  • Greater Good (2016). Gratitude. University of California, Berkley. Retrieved from: http://greatergood.berkeley.edu/topic/gratitude/definition
  • Maclntyre, A. (1984). Is patriotism a virtue?.reprinted in Freedom and Morality. Kansas University.
  • Stanford Encyclopedia of Philosophy (May, 2013). Patriotism. Stanford University. Retrieved from: http://plato.stanford.edu/entries/patriotism/
  • Stern R., Emmons R., (N.D.). Gratitude practice explained. Yale Center for Emotional Intelligence. Retrieved from: http://ei.yale.edu/what-is-gratitude/
  • Stevenson, D., King, G., (2008). What is patriotism?: Leader’s guide. Oklahoma State Extension

Should you eat salt from the table or the sea?

Do you ever have a friend that acts a little salty?  Maybe it is because they eat too much salt!  Okay, okay…enough with the corny jokes.  In all reality, many Americans actually do consume too much sodium – even if they don’t act salty.  The 2015-2020 Dietary Guidelines for Americans recommends that adults and children […]

REVIEWED BY: Kate Homonai, Family and Consumer Sciences Program Coordinator, Ohio State University Extension Vinton County

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