Category: Money Matters

FCS3305/FY1105 Reverse Mortgages: Understanding the Basics

FCS3305, a 7-page fact sheet by Michael S. Gutter, Selena Garrison, Brent Litchfield, and Lisa Leslie, describes this type of tax-free loan that can be used to help fund retirement – requirements, cost considerations, alternatives, types of reverse mortgages, fees and interest, limitations, distribution types, and types of unscrupulous practices. Includes references. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY1105

FCS5204/FY373 Your Financial Action Plan

Revised! FCS-5204, an 11-page lesson adapted for use in Florida by Josephine Turner and Michael Gutter, helps families create financial action plans that will enable them to make wise decisions now about their future financial success. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY373

FCS7240/FY1109 Managing in Tough Times: Downsized — Job Loss and Retirement Plans

FCS7240, a 5-page fact sheet by Brandon Butcher, Michael S. Gutter, and Brent Litchfield, answers some common questions individuals may have about what happens to retirement plans when the employee leaves a job. Includes references. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY1109

FCS7238/FY1106 Managing in Tough Times: Downsized – Maintaining Your Access to Health Care

FCS7238, a 3-page fact sheet by Michael S. Gutter and Selena Garrison, describes the rights that people have for insurance continuation and portability under COBRA and HIPPA, and strategies people might use for paying for unplanned health care coverage expenses. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY1106

FCS3306/FY1108 Florida Renter’s Guide to Foreclosure

FCS3306, a 2-page fact sheet by Michael S. Gutter and Brent Litchfield, describes for renters the protections provided in the federal Protecting Tenants at Foreclosure Act of 2009, and how to interact with the previous landlord so as to minimize the potential hazards of this disruptive process. Includes references. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY1108

FCS7241/FY1110 Teens and Media Use: Cell Phones – What’s the Plan?

FCS7241, a 5-page fact sheet by Michael S. Gutter, Selena Garrison, and Marina Fayer, assists family communication about wants and needs for cell phone features and plans, with checklists to help decide on the best options. Includes references. Published by the UF Department of Family Youth and Community Sciences, September 2009.
http://edis.ifas.ufl.edu/FY1110

FCS7026/HE817 Federal Income Tax Management

Revised! FCS-7026, an 8-page fact sheet by Josephine Turner, Nayda I. Torres, Horacio Soberon, and Zeynep Copur, has been updated for the current tax season. It describes the advantages of filing a federal tax return, who must file a return, itemizing deductions, computing income tax rates, credits, payments, preparing and filing your return, recordkeeping, and where to get help. Includes references. Published by the UF Department of Family Youth and Community Sciences, March 2009.
http://edis.ifas.ufl.edu/HE817

FCS7006/FY228 Coping with a Money Crunch: Values, Goals, and Standards

Revised! FCS-7006, a 3-page illustrated fact sheet by Josephine Turner, Katey Walker and Michael S. Gutter, helps people experiencing a finacial crisis decide on goals and set priorities. Published by the UF Department of Family Youth and Community Sciences, March 2009.
http://edis.ifas.ufl.edu/FY228

FAR0071/FM316 The Cost of Young Adults

FAR0071, a 2-page transcript of the Family Album Radio Program broadcast by Suzanna Smith, provides research based information on the types of contributions parents make for young adult children to help them get started. Includes references. Published by the UF Department of Family Youth and Community Sciences, March 2009.
http://edis.ifas.ufl.edu/FM316

FOR212/FR274 Ownership Succession: Plan Now for the Future of Your Land

FOR-212, a 4-page fact sheet by Chris Demers, outlines 8 steps for forestland owners to set up a smooth transition between themselves and the future owners of their property. Includes references. Published by the UF School of Forest Resources and Conservation, March 2009.
http://edis.ifas.ufl.edu/FR274

FOR211/FR273 The Effect of Gainesville’s Urban Trees on Energy Use of Residential Buildings

FOR-211, a 3-page fact sheet by Francisco Escobedo, Jennifer A. Seitz, and Wayne Zipperer, summarizes the results of a study to estimate urban tree heating and cooling effects on residential buildings in Gainesville, Florida. Includes references. Published by the UF School of Forest Resources and Conservation, March 2009.
http://edis.ifas.ufl.edu/FR273

FCS7009/HE153 Cutting Costs to Live Within Your Income

Revised! FCS-7009, a 3-page fact sheet by Josephine Turner, Michael Gutter, and Nayda I. Torres, advises families in making a spending plan and provides tips for reducing spending. Published by the UF Department of Family Youth and Community Sciences, February 2009.
http://edis.ifas.ufl.edu/HE153

FCS3303/FY1082 Water Damage and Homeowner’s Insurance: (1) Insurance Claim

FCS-3303, a 3-page fact sheet by Hyun-Jeong Lee, describes important things to keep in mind when making an insurance claim for water damage in the home. Includes references. Published by the UF Department of Family Youth and Community Sciences, January 2009.
http://edis.ifas.ufl.edu/FY1082

FCS3304/FY1083 Water Damage and Homeowner’s Insurance: (2) C.L.U.E.® Report

FCS-3304, a 3-page fact sheet by Hyun-Jeong Lee and Kathleen C. Ruppert, tells homeowners Comprehensive Loss Underwriting Exchange (C.L.U.E.®) reports — what information is include, how they can be used by homebuyers and insurers, and your legal rights. Includes references and information on obtaining a free report. Published by the UF Department of Family Youth and Community Sciences, January 2009.
http://edis.ifas.ufl.edu/FY1083

My Florida Home Book: A Guide for First Time Homebuyers in Florida

This two-part guide by Hyun-Jeong Lee, Ph.D., with Extension Faculty Members of Family and Consumer Sciences, consists of two parts: Part I. Becoming a Homeowner and Part II. Taking Good Care of Your Home. It assists first time homebuyers in making the best housing decisions for their situations, preparing themselves for homeownership, and to maintain their homes properly.

FCS7012/HE156 Money and Marriage: A Spending Plan

Revised! FCS-7012, a 5-page fact sheet by Josephine Turner, Nayda I. Torres, Vervil Mitchell, and Michael Gutter, encourages couples to establish a spending plan and provides five key questions to keep in mind. Published by the UF Department of Family Youth and Community Sciences, December 2008.
http://edis.ifas.ufl.edu/HE156

FE756 Conservation Pricing for Residential Water Supply

FE756, a 7-page fact sheet by Tatiana Borisova, Burcin Unel, and Colin Rawls, defines the criteria used to design and evaluate conservation-based rates, considers alternative rate structures, and briefly discusses challenges posed by conservation-oriented rates for utility companies. Includes references. Published by the UF Department of Food and Resource Economics, November 2008.
http://edis.ifas.ufl.edu/FE756

YOU and YOUR CREDIT Series

A new five-part series by Michael S. Gutter, Joan P. Elmore, and Travis P. Mountain, published by the UF Department of Family Youth and Community Sciences, September 2008.
Includes:
FCS7229/FY1064 Credit Dos and Don’ts (pdf, 2 pp.)
FCS7230/FY1065 Credit Card Basics (pdf, 4 pp.)
FCS7231/FY1066 Managing Your Credit (pdf, 6 pp.)
FCS7232/FY1067 Credit Reports (pdf, 8 pp.)
FCS7233/FY1068 Credit Scores (pdf, 3 pp.)
FCS7234/FY1069 Home Ownership and Credit (pdf, 1 pp.)
FCS7235/FY1070 Further Resources (pdf, 1 pp.)
FCS7236/FY1071 Series of Five Parts, Bound as a Single Document (pdf, multipart)