Now showing items 1-20 of 52

    • Planning for baby : family finances 

      Hayhoe, Celia Ray (Virginia Cooperative Extension, 2003)
    • Planning for baby : consumer issues 

      Hayhoe, Celia Ray (Virginia Cooperative Extension, 2003)
    • Emergencies : are you prepared? : your personal checklist of important documents 

      Flashman, Robert H.; Hayhoe, Celia Ray; Lesueur, Alex (Virginia Cooperative Extension, 2003)
    • College Students' Perceived Attributes of Internet Websites and Online Shopping 

      Seock, 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, ...
    • Payday Loan Facts 

      Giordano, 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.
    • Refinancing Your Mortgage 

      Williamson, 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 ...
    • Deciding if Bankruptcy is an Option for You 

      Hayhoe, 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 ...
    • Getting Out of Debt 

      Leech, Irene Ellis, 1958-; 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.
    • How to Make Your Money Go Further 

      Hayhoe, 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 ...
    • Home Equity Conversions. Reverse Mortgages 

      Hayhoe, 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 ...
    • Homeowner's Insurance 

      Hayhoe, 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 ...
    • 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 ...
    • How to Prevent Foreclosure on Your Home 

      Hayhoe, 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 ...
    • Life Insurance. Term Insurance 

      Smith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)
      Term insurance is good way to protect your beneficiary for a limited amount of time. If you are a disciplined saver, buying a term policy and investing the difference between the cost of the term policy and the cost of a ...
    • Life Insurance. Calculating Life Insurance Needs 

      Smith, 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 Different Types of Policies 

      Smith, 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. Payout Options 

      Smith, 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 ...
    • Life Insurance. Whole-Life Insurance 

      Smith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)
      Whole-life insurance was created to address the problems with term insurance. The biggest problem with term life insurance is that it is purchased for a stated period of time. When the owner buys a whole-life policy, he ...
    • Life Insurance. Universal-Life Insurance 

      Smith, Mike, CPF; Hayhoe, Celia Ray (Virginia Cooperative Extension, 2009-05-01)
      Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is ...
    • Life Insurance. Variable Universal-Life Insurance 

      Smith, 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 ...