The primary purpose of this study was to assess the influence
of information on Old Age, Survivors and Disability Insurance in motivating
homemakers to do further family financial security planning.
Planning was measured in terms of estimating OASDI benefits and
total income available for retirement and for survivors.
The subjects...
This study was designed (1) to examine credit usages as they relate
to financial problems of young married couples, (2) to investigate the
similarities of financial practices of two populations, (3) to determine
the sources of educational financial assistance and guidance used by
young couples, and (4) to compare demographic...
This study examined the financial management practices of a
group of middle and upper class retired couples in a period of rising
prices and relatively fixed incomes.
The objective of this study was to describe (1) financial planning
of retired couples, (2) expenditures of these couples, (3) adjustments
of their...
Expenditure data of 13 households receiving. Aid to Families
With Dependent Children (AFDC) were collected through use of
specially designed record booklets for one month and by a brief
interview. Welfare workers in southeast Portland discussed the
study with families meeting the criteria of 1) a one-parent family
with one...
The purpose of this descriptive study was to investigate the jobrelated
expenditures of married clerical workers. Also examined
were the economic contribution married clerical workers made to
the total family income and their reasons for working.
The sample was taken from the 1973-74 Staff Directory at Oregon
State University. Only...
The use of credit cards by young families, their money management
practices, and the relationship between money management
practices and their control of credit card use was researched in this
study.
A sample of 60 Oregon families was drawn from the 1975 Johnson's
Albany Area City Directory. These families were...
The purpose of this research was to determine the effectiveness
of a personal finance workshop as measured by a multiple choice
competency test. More specifically the objectives of the study
were: 1) to develop a valid instrument for measuring the participants'
learning as a result of a two and half...
This study was designed to determine the common personal finance
competencies needed by graduating high school students in Oregon as
perceived by personal finance teachers from the subject matter areas
of business education, home economics, mathematics, and social studies
and the business community. Two other purposes were to (1) determine...
This study assessed social, family, and personal resources
available to individuals in a financial crisis situation utilizing
mailed questionnaires. The sample consisted of 74 subjects in two
groups: (1) individuals in a financial crisis situation, identified
by their participation in a Consumer Credit Counseling Service program
and referred to in...
Published January 1973. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Revised June 1994. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published July 1985. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published July 1985. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published August 1985. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
The practice of dietetics has changed over the
past several years to include an increasing number of
dietitians working in private practice. The 1986 census
of The American Dietetic Association identified
2,383 (4.3%) of the membership as active in the Consulting
Nutritionist in Private Practice group. Private
practice opportunities have...
Revised July 1995. Reprinted November 1999. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published October 1991. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published August 1999. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published April 1999. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published June 1988. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published July 1991. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
This study was conducted to determine, first, if there are gender differences in children's financial management competencies; second, to ascertain relevant parental financial behavior that may affect the child's financial management socialization; and third, to test the validity of a proposed model. This model, based on research of existing literature,...
Financial management planning styles were investigated with original data
collected from 180 unmarried, elderly women with a home economics college
background and living alone. Deacon and Firebaugh's (1975, 1988)
household management systems theory, continuity theory from gerontology,
and the construct of anticipatory socialization from sociology framed the
study. Three planning...
Published January 1973. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published January 1988. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Revised June 1991. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Revised January 1999. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
When there’s no job and the pay-check dwindles,
you’re not without resources. Take stock of all
non-dollar resources you have as a family.
Among these assets are time, knowledge, possessions,
property, and creativity.
When you’re between jobs, the paychecks
stop but the bills keep coming.
When you don’t have enough money to
cover basic living expenses and to pay all your
creditors, you face difficult financial decisions.
Faced with reduced income, you’ll need to
cut back on spending and develop a plan
to pay your bills. If your income will be down
for more than a month, adjust your spending habits
to maintain control of your finances.
Many low-income and first-generation community college students face disproportionate challenges in their quest for a college education. They typically balance multiple outside obligations, while being solely responsible for making these decisions without adequate knowledge, guidance, or support (Lyons, 2004). Many students begin college without ever having been responsible for their...
Older people need various degrees of assistance with financial matters. Some need minimal help; for example, help with reading the fine print on bills and financial forms or preparing checks for signature. Others, who are homebound but able to direct their personal finances, may need someone to carry out their...
Being old and female in America often means being alone and poor. To offset this outcome financial preparation for retirement should begin in the pre-retirement years. The purpose of this exploratory study was to assess the financial preparedness of mature, single women as they approach retirement by examining the relationships...
Property losses from natural disasters can be tax deductible. Such deductions,
which are allowed for partial or total loss of personal or business property, could greatly reduce the amount of federal income tax owed for the year the disaster occurred.
Disasters can create serious financial crises for families. Insurance may not
cover as much as anticipated or needed. Home and places of employment may be lost. Family members may be out of work due to injuries. In an ideal world, families would have adequate cash reserves or credit to draw...
When your income drops suddenly, your first
concern may be to pay your bills and meet your
day-to-day expenses. Instead, look at your total
financial picture and determine which assets
you might use to meet your obligations.
Published August 1979. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the Sea Grant Catalog: http://seagrant.oregonstate.edu/publications
Published November 1976. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the Sea Grant Catalog: http://seagrant.oregonstate.edu/publications
Published February 1986. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Keeping a roof overhead is an important concern when you lose income. If you rank your bills in order of priority, chances are housing is at or near the top of the list.
The student-loan market has surpassed 1.3 trillion dollars; rising student-loan cohort default rates are a growing concern among educational institutions. Many colleges are implementing financial-education programs for students to help increase their knowledge, aptitude, and skills so they may become informed consumers. Purpose/Objective/Research Question/Focus of Study: The purpose of this...
Published April 1981. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published September 1990. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published April 1982. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
Published March 1993. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the OSU Extension Catalog: http://extension.oregonstate.edu/catalog
The purpose of the present study was to investigate the effect that Pell Grants have on Stafford Loan debt accumulation and to identify other factors that affect Stafford Loan debt accumulation.
The sample consisted of 32,525 dependent undergraduate students from more than 100 different four-year public institutions. All the students...
Revised March 1984. Facts and recommendations in this publication may no longer be valid. Please look for up-to-date information in the Sea Grant Catalog: http://seagrant.oregonstate.edu/publications