Department of Apparel, Housing, and Resource Management
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Browsing Department of Apparel, Housing, and Resource Management by Author "Hayhoe, Celia Ray"
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- Children and Family Finances. Kid's AllowanceJones, Sheree; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of kid's allowance.
- Children and Family Finances. Paying for CollegeHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of paying for college.
- Children and Family Finances. Saving for CollegeHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of saving for college.
- Children and Family Finances. Tax BenefitsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of tax benefits.
- Children and Family Finances. The Cost of Raising a ChildHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of those seven categories.
- Deciding if Bankruptcy is an Option for YouHayhoe, Celia Ray; Goebel, Karen P. (Virginia Cooperative Extension, 2009-05-01)When you have incurred more debt than you think you can reasonably repay, bankruptcy may be a way to debt relief. Filing for bankruptcy, however, brings long-term consequences for your credit rating. This is an overview of those benefits and consequences of bankruptcy.
- Disability Income InsuranceHayhoe, Celia Ray; Smith, Mike, CPF (Virginia Cooperative Extension, 2009-06-01)The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.
- Emergencies : are you prepared? : your personal checklist of important documentsFlashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2003)
- Emergencies. Are You Prepared? Your Personal Checklist of Important DocumentsFlashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2009-05-01)Life's emergency situations require advance preparation and planning. The first step is organizing your papers and communicating with appropriate individuals. Provided is a checklist to help organize and document important papers and household items.
- Families Taking Charge. Dealing with the StressHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on dealing with stress.
- Families Taking Charge. Dealing with UnemploymentHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on dealing with unemployment.
- Families Taking Charge. Deciding Which Bills to Pay FirstHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on deciding which bills to pay first.
- Families Taking Charge. Setting Spending PrioritiesHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on setting spending priorities.
- Families Taking Charge. Talking With Your SpouseHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Families Taking Charge is a multi-part series for individuals and families experiencing financial stress as a result of difficult economic times. This publication focuses on communication with your spouse.
- Getting Out of DebtLeech, Irene E.; Scott, Elaine D.; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)If making credit repayments has become difficult, there are steps you may take to improve the situation. This publication focuses on those steps and includes worksheets and a sample letter.
- Home Equity Conversions. Reverse MortgagesHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Many senior adults are finding it hard to live on their fixed retirement incomes and are looking for ways to supplement those incomes. For some, the largest asset they own is their home, but they do not want to sell their home and move. For these individuals, there is an option called Home Equity Conversion (HEC). One type of home equity conversion is a reverse mortgage.
- Home Improvement Scams. Don't Get Nailed!Ramsey, Andrew; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Home Improvement scam artists often show up at your front door. This scam is happening more and more. Seniors, those living alone, and victims of weather-related disasters are among those most commonly targeted. This publication focuses on tips to protect yourself against scammers.
- Homeowner's InsuranceHayhoe, Celia Ray; Smith, Mike, CPF (Virginia Cooperative Extension, 2009-05-01)Homeowner's policies are classified by the types of perils (any events that cause a financial loss) they cover. There are six main types of homeowner's insurance used today. This publication describes those different types of insurance.
- How to Make Your Money Go FurtherHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Do you control where your money goes? Or does it go here, there, and everywhere? Guide your money so it goes where you want it to go by using a spending plan. This publication includes a spending plan and financial worksheets to help you achieve your spending and saving goals.
- How to Prevent Foreclosure on Your HomeHayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)If you are having trouble making your monthly mortgage payments, you may be able to protect your home, but you must act immediately. Your action may prevent the loss of your home through foreclosure. This Fact Sheet will give you an overview of your options to avoid foreclosure.
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