Tag: Jorge Ruiz-Menjivar

Purchasing Car Insurance: What College Students Should Know

Line of cars awaiting Covid-19 mobile testing. Photo taken 07-10-20.

Florida law requires drivers to have car insurance that provides financial protection in the event of a mishap. This 4-page publication provides an overview of auto insurance requirements in Florida as well as a glossary of car insurance terms for college students. Written by Nicholas Horvath, Jorge Ruiz-Menjivar, and Sarah M. Ellis, and published by the UF/IFAS Department of Family, Youth and Community Sciences, January 2021.
https://edis.ifas.ufl.edu/fy1493

Fondos de Inversion: Un Glosario para Principiantes

This image was taken prior to national guidelines of face coverings and social distancing. Using IFAS-generated budgeting tools, young people can learn to manage their money and begin saving and investing in the future. UF/IFAS Photo: Tyler Jones. IFAS Extension calendar 2009.

El mejor momento para comenzar a invertir o ahorrar es ayer, ya sea para la jubilación, para enviar a su hijo o hija a la Universidad o para el pago inicial de una casa. Para poder tomar una decisión acertada sobre que vehículos financieros escoger para una cartera de inversiones o plan, es primero fundamental conocer las opciones disponibles en el mercado y entender los mecanismos y principios detrás de cada uno de estos vehículos de inversión. Hay libros enteros escritos sobre estos temas, pero con el propósito de este artículo es proporcionar un glosario breve, pero completo de los fondos principales de inversión financiera. This 3-page document is the Spanish version of FCS3352, Major Asset Classes: A Brief Glossary. Written by Jorge Ruiz-Menjivar, Nelly Nelson, and Jarrett Tsai, and published by the UF/IFAS Department of Family, Youth and Community Sciences, December 2020.
https://edis.ifas.ufl.edu/fy1494

Gender Affirmation Surgery: Financial Considerations

January 2007 calendar, During the excitement of the holiday season, many people overspend. Bringing this and other debt under control often seems like a daunting task. IFAS Extension family economics programs are helping people regain control of their finances by providing money management tips for reducing debt. UF/IFAS Photo by: Thomas Wright.

This 3-page factsheet provides a brief overview of gender-affirming medical care, expenses, and funding options. A glossary with key terms discussed in this publication is included at the end. Written by Chloe W. Swearingen, Megan Donovan, Jorge Ruiz-Menjivar, and Sarah M. Ellis, and published by the UF/IFAS Department of Family, Youth and Community Sciences, November 2020.
https://edis.ifas.ufl.edu/fy1492

Tax Relief in Disaster Situations

Through its Hurricane Preparedness for Hotels and Motels Program, the Florida Energy Extension Service helps the tourist industry keep guests safe during lightning storms.

This 1-page document provides general information regarding disaster assistance and links to online resources for taxpayers affected by a federally declared disaster. Written by Jorge Ruiz-Menjivar and Heidi Copeland, and published by the UF/IFAS Department of Family, Youth and Community Sciences, revised September 2020.
https://edis.ifas.ufl.edu/fm259

Strategies to Fund Your Child’s College Education: Using Savings and Tax-Advantaged Vehicles

Students look at the College of Agriculture building.

It is never too soon to explore funding options for college educations, whether your child is a newborn or is in middle school. You are more likely to be prepared to fund your child's education if you start planning earlier. This new 4-page document describes and discusses several accounts that allow you to pay for college while taking advantage of tax and savings opportunities. Written by Jessica McCumber, Jorge Ruiz-Menjivar, Martie Gillen, and Sarah M. Ellis, and published by the UF/IFAS Department of Family, Youth and Community Sciences, June 2019.
http://edis.ifas.ufl.edu/fy1484

Major Asset Classes: A Brief Glossary

Using IFAS-generated budgeting tools, young people can learn to manage their money and begin saving and investing in the future. UF/IFAS Photo: Tyler Jones. IFAS Extension calendar 2009

The best time to have started investing is yesterday. This new 2-page document aims to provide a brief but comprehensive glossary of the main financial investment vehicles. Written by Jarrett Tsai, Jorge Ruiz-Menjivar, and Martie Gillen, and published by the UF/IFAS Department of Family, Youth and Community Sciences, May 2019.
http://edis.ifas.ufl.edu/fy1483

Establishing a 501(c)(3) Nonprofit Organization: An Overview

Hard at work on a laptop.

This new 3-page document provides an overview of the process to establish a 501(c)(3) nonprofit organization and also discusses eligibility criteria and filing requirements. Written by Jacqueline Phillips, Jorge Ruiz-Menjivar, Jennifer A. Jones, and Julianne Shoup, and published by the UF/IFAS Department of Family, Youth and Community Sciences, April 2019.
http://edis.ifas.ufl.edu/fy1481

Retirement Need Analysis: How Much of My Current Income Will I Need for Retirement? (FCS7251/FY1355)

Figure 1. The amount of money needed for retirement varies from person to person. There may not be an exact amount, but there are ways to estimate the amount you will need.The amount of money needed for retirement varies from person to person. There may not be an exact amount, but there are ways to estimate the amount you will need. While no “magic number” exists for the amount you should save for retirement, there are calculations you can use to estimate the amount you will need. Calculating your wage replacement ratio (WRR) using either the top-down or bottom-up approach can help you determine how much money you should put aside for retirement and provide you with savings goals. This 3-page fact sheet was written by Jorge Ruiz-Menjivar and Martie Gillen, and published by the UF Department of Family Youth and Community Sciences, March 2013.
http://edis.ifas.ufl.edu/fy1355