Content tagged "financial security"

Cultural Differences in Handling Credit

Personal Finance Updated: April 04, 2016

Cultural Differences in Handling CreditBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduWhen it comes to decisions about...

The Pros and Cons of Secured Credit Cards

Personal Finance Updated: September 30, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduSecured credit cards are a good way to establish credit if you have no...

What You Need to Know About Your Credit Report

Personal Finance Updated: September 30, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduRemember those report cards that told you (and your parents!) how you...

The High Cost of Credit Card Minimum Payments

Personal Finance Updated: September 30, 2015

The High Cost of Credit Card Minimum PaymentsBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduWhen it comes to managing...

How Much Consumer Debt is Too Much?

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThe term “consumer debt” refers to all types of non-mortgage debt...

How to Get Out of Debt and Repair Your Credit

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduGot outstanding loan balances and credit card debt? Do monthly payments...

Credit Scores: What You Need to Know

Personal Finance Updated: September 29, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduIf credit reports are like receiving a “report card” in school, credit...

Dealing With Collection Agencies

Personal Finance Updated: September 28, 2015

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduOutstanding credit accounts often go to collection agencies when people...

Keeping Your Financial Records Secure

Photo by Ian Dick. Used with permission.Watch this webinar recording Keeping Your Financial Records Secure and learn how to manage your financial records –...

Can I cancel my health insurance at any time if my premiums are deducted pre-tax?

Personal Finance Updated: December 08, 2013

Because your premiums are deducted pre-tax, this means that you purchase your health insurance through your employer and are responsible for paying a portion...

Making the Right Move in Retirement: Where Will You Live?

Personal Finance Updated: March 12, 2012

Making the Right Move in Retirement: Where Will You Live?Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.edu  Finding...

How to Select a Credit Card

Personal Finance Updated: March 06, 2012

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThe best way to select a credit card is to match it to your intended use...

Credit Card Rules for Young Adults

Personal Finance Updated: March 06, 2012

Credit Card Rules for Young AdultsBarbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.edu There was a time, up until February...

Credit Card Fees and Traps

Personal Finance Updated: March 06, 2012

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.eduThere are two types of credit card fees: those that are charged to all...

Danger Signals of Excessive Debt

Personal Finance Updated: September 20, 2009

Barbara O’Neill, Ph.D., CFP®, Rutgers Cooperative Extension, oneill@aesop.rutgers.edu According to Webster’s Dictionary, debt is defined as “the state of...

Advance Directives Case Study 2

Personal Finance Updated: August 18, 2008

Millie is 73 years old, and her health is rapidly failing. She wants to donate her organs to help someone else live a longer and healthier life. She also...

Advance Directives Case Study 4 North Dakota Answers

Personal Finance Updated: February 17, 2008

The following answers are based upon North Dakota law as of January 2006. The laws in other states may be different. Laws are subject to change, so please...

Advance Directives Case Study 5

Personal Finance Updated: February 17, 2008

George, a 98 year-old widower, has two children, Alice and Bob. Alice has one child, Carrie. Bob has five children, Dave, Ed, Frank, Gail, and Hank. George's...

Advance Directives Case Study 6

Personal Finance Updated: February 17, 2008

Mary is a widow with three children. In her will, Mary leaves her property equally to her three children. As Mary gets older, she is concerned that she may...

Advance Directives Case Study 3

Personal Finance Updated: February 17, 2008

Eddie, age 70, decides to write his own will. He is a widower and had four children and eight grandchildren. Two of his children, Rob and Pete, are unmarried...

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This work is supported by the USDA National Institute of Food and Agriculture, New Technologies for Ag Extension project.