Department of Apparel, Housing, and Resource Management
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- Emergencies : are you prepared? : your personal checklist of important documentsFlashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2003)
- Planning for baby : consumer issuesHayhoe, Celia Ray (Virginia Cooperative Extension, 2003)
- Planning for baby : family financesHayhoe, Celia Ray (Virginia Cooperative Extension, 2003)
- College Students' Perceived Attributes of Internet Websites and Online ShoppingSeock, You-Kyoung; Norton, Marjorie J. T. (Project Innovation (Alabama), 2008-03)The purpose of this study was to examine perceptions of attributes of clothing retailers' Internet websites in relation to previous and intended future purchase from the websites. Survey data from 414 U.S. college students, non-married and aged 18-22 with online clothing shopping experience and favorite clothing websites were used. Five clothing website attributes were identified by factor analysis (i.e., product information, customer service, privacy/security, navigation, auditory experience/comparison shopping). Multiple regression results showed positive relationships between frequency of previous purchase from websites and perceived product-information, customer-service, and privacy-and-security attributes of the websites, and between future intended purchase from websites and perceived customer-service attributes of the websites. Implications were discussed for effective website design by clothing marketers and for consumer education of college students.
- Living well. Summer 2008 : a newsletter of Family and Consumer SciencesHayhoe, Celia Ray; Poff, Karen; Schlenker, Eleanor D. (Virginia Cooperative Extension, 2008-08-27)This issue focuses on families and caregiving. It includes an articles on preventing foreclosure on your home, planning fun family activities, protecting the physical and financial health of family caregivers, and preventing accidents and injury to children.
- Living well. Winter 2009 : a newsletter of Family and Consumer ServicesWalker, Martha A.; Poff, Karen; Diehl, Stephanie; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-01-23)This issue tells how we can strengthen our families and best manage our financial resources. It includes articles on entrepreneurship, how family traditions develop feelings of belonging and security, eating health on a budget, and investing during depressed economic times.
- Payday Loan FactsGiordano, Casey; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)The purpose of this fact sheet is to help consumers better understand how payday loans work, and the pros and cons of using these services.
- 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.
- 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.
- 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.
- 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.
- Life Insurance. Variable Universal-Life InsuranceSmith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.
- 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.
- Refinancing Your MortgageWilliamson, Stacey J.; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Most people consider refinancing their home mortgage to take advantage of lower interest rates and reduce their monthly mortgage payment. Refinancing a mortgage means paying off your old mortgage and signing a contract for a new loan. Whether to refinance your mortgage is a difficult question to answer, and considerations in this publication will help make that decision easier.
- 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.
- Life Insurance. The Different Types of PoliciesSmith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)A life insurance policy provides a cash payment when a person dies. If you have made the decision to buy a policy, you may wonder which type of policy to choose since there are several different types of policies.
- Life Insurance. Calculating Life Insurance NeedsSmith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)How much life insurance do you need? This publication will help you determine if you need life insurance, and if so, how much you need.
- Life Insurance. The Impact of OwnershipFlashman, Robert H.; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)The major reason most people buy life insurance is to provide financial support for beneficiaries in case the insured person dies prematurely. However, there are additional reasons for purchasing insurance. At the end of this fact sheet you will find a short glossary designed to help you understand terms related to life insurance and ownership.
- Life Insurance. Payout OptionsSmith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)Life insurance pays a death benefit to the stated beneficiary at the death of the insured. When the insured dies, the beneficiary of the policy files an insurance claim. This publication explains several things the beneficiary should do in this case.
- 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.