Although we cannot foresee unexpected events, planning can help us control some financial issues that may arise. This 4-page fact sheet highlights the main financial poblems older adults face during retirements, and solutions to help plan and manage a successful retirement. Written by Martie Gillen and Josephine Turner, and published by the UF Department of Family Youth and Community Sciences, November 2012.
http://edis.ifas.ufl.edu/fy627
Tag: Josephine Turner
Cutting Costs to Live Within Your Income (FCS7009/HE153)
Developing self-control of your spending is a basic step in cutting the cost of living. Some families are able to afford what they want, even on a limited income. This may result from having more experience or greater skills. You probably know specific things you could do to reduce spending. These suggestions may work for you. This 3-page fact sheet was written by Josephine Turner, Michael S. Gutter, and Nayda I. Torres, and published by the UF Department of Family Youth and Community Sciences, October 2012.
http://edis.ifas.ufl.edu/he153
Building a Spending Plan series
Follow the six steps in this series to learn how to calculate your expenses and determine your financial goals. With this information, you can compare your expenses against your income to find out how to best budget your money. Fill out these worksheets to build your own spending plan. These fact sheets were written by Nayda I. Torres, Josephine Turner, and Brenda C. Williams, and published by the UF Department of Family, Youth, and Community Sciences, July 2012. http://edis.ifas.ufl.edu/topic_series_building_a_spending_plan
Coping with a Money Crunch: Values, Goals, and Standards (FCS7006/FY228)
As a consumer, having an array of choices is usually a good thing. But having to make choices can also be a problem. New products, services, and ways of doing things are being developed all the time. It’s even more difficult to make decisions when you’re experiencing a money crunch. This 3-page fact sheet was written by Michael S. Gutter, Josephine Turner, and Katey Walker, and published by the UF Department of Family Youth and Community Sciences, July 2012.
http://edis.ifas.ufl.edu/fy228
Employer Sponsored Retirement Savings Plans (FCS5258b/FY1286)
A financially secure retirement is a goal for many workers, and the ability to achieve that plan can be helped by employer-sponsored retirement plans. Learn more in this 3-page fact sheet written by Rachel Dorman, Lisa M. Leslie, Michael S. Gutter, Martie Gillen, and Josephine Turner, and published by the UF Department of Family Youth and Community Sciences, April 2012.
http://edis.ifas.ufl.edu/fy1286
Individual Retirement Accounts (FCS5258/FY642)
An individual retirement account (IRA) is a good tool to build retirement funds. This type of account has been offered since 1974 and comes with special tax advantages. An IRA can be opened through a financial institution such as a bank, credit union, mutual fund company, or brokerage firm. Learn more in this 4-page fact sheet written by Rachel Dorman, Lisa M. Leslie, Michael S. Gutter, Martie Gillen, and Josephine Turner, and published by the UF Department of Family Youth and Community Sciences, April 2012.
http://edis.ifas.ufl.edu/fy642
Estate Planning (FCS7207/FY446)
Estate planning has to do with living, not just with decisions about who inherits property. An estate plan is a pattern, a guide, or a master method for working toward financial security and the family’s future welfare. To be most effective, estate planning should involve all members of the family. The objectives of estate planning will differ among families because of varying circumstances, such as differences in assets, value judgments, personal desires, and number of children. Consider these purposes for estate planning. This 7-page fact sheet was written by Martie Gillen, Josephine Turner, and Vervil Mitchell, and published by the UF Department of Family Youth and Community Sciences, March 2012.
http://edis.ifas.ufl.edu/fy446
Estate Planning: Your Will (FCS5241/FY540)
A will is considered to be the cornerstone of most estate plans. A will is a written legal document that takes effect at death, and is used to administer the estate, including transferring property ownership and making provisions for the care of minor or dependent children. This 4-page fact sheet was written by Martie Gillen and Josephine Turner, and published by the UF Department of Family Youth and Community Sciences, March 2012. http://edis.ifas.ufl.edu/fy540
Estate Planning: Getting Started (FCS5239/FY538)
Estate planning is a topic avoided by many people because it deals with attitudes and feelings about death, property ownership, business arrangements, marriage, and family relationships that family members may not be ready to discuss. It may also be avoided because family members disagree on how assets are to be handled. Although planning for the end of life may be uncomfortable, think of it as a gift to your family. By getting your affairs in order, you will save them a great deal of anxiety, time, and money even if you can’t spare them their grief. This 5-page fact sheet is the first in a series on estate planning tools and techniques. Written by Josephine Turner and Martie Gillen, and published by the UF Department of Family Youth and Community Sciences, December 2011.
http://edis.ifas.ufl.edu/fy538
Estate Planning: Preparing a Letter of Last Instructions (FCS5238/FY537)
A letter of last instructions is one of the most helpful things you can provide for your family. The letter should express your wishes following your deathso that your personal representative or family member has the information he or she will need about your personal and financial matters. This 3-page fact sheet was written by Josephine Turner and Martie Gillen, and published by the UF Department of Family Youth and Community Sciences, December 2012.
http://edis.ifas.ufl.edu/fy537
Money and Marriage: Saving for Future Use (FCS7014/HE158)
There are a lot of good reasons why you should save money. This 5-page fact sheet explains some of the benefits of saving and investing. Written by Nayda I. Torres, Vervil Mitchell, Josephine Turner, Lisa Leslie, and Michael S. Gutter, and published by the UF Department of Family Youth and Community Sciences, April 2011.
http://edis.ifas.ufl.edu/he158
FCS5205/FY374 Financial Recordkeeping: Organizing Your Financial Life
Revised! FCS5205, a 4-page fact sheet by Selena Garrison, Michael S. Gutter, Julie England, Josephine Turner, and Nayda Torres, addresses what financial and personal documents individuals should keep and why, how long they should be kept, and where they should be stored. Published by the UF Department of Family Youth and Community Sciences, October 2009.
http://edis.ifas.ufl.edu/FY374
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
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
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
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