2006 Proceedings

2006 EFERMA Conference Proceedings

Section A: Assessing the Outcomes of Outreach Programs (Refereed Papers)

Assessing the Outcomes of a Social Marketing Program: Lessons Learned from Cleveland Saves. Brenda. J. Cude, Department of Housing and Consumer Economics, University of Georgia; and Yi Cai, Family and Consumer Sciences Department, California State University, Northridge

The Earned Income Tax Credit: Experiences from and Implications of the Voluntary Income Tax Assistance Program in Georgia. Mary Linnenbrink, Michael Rupured, Teresa Mauldin, and Joan Koonce Moss, Department of Housing and Consumer Economics, University of Georgia

IDA Financial Education: Quantitative and Qualitative Impacts. Barbara O’Neill, Rutgers Cooperative Research and Extension

Section B: Economic Well-Being Issues of Rural Women and Their Families

Use of the Earned Income Tax Credit by Rural Working Families. Sheila Mammen, Department of Resource Economics, University of Massachusetts; and Frances C. Lawrence, School of Human Ecology, Louisiana State University

Making It Work: Rural Low-Income Women in Service Jobs. Elizabeth M. Dolan, Department of Family Studies, University of New Hampshire; Sharon Seiling, Department of Consumer Sciences, The Ohio State University; and Talia Glesner, Department of Family Studies, University of New Hampshire

The State of Rural Women’s Economic and Health Status: KY, MD, NH (Abstract). Leigh Ann Simmons, Department of Family Studies, University of Kentucky; Elizabeth M. Dolan, Department of Family Studies, University of New Hampshire; and Bonnie Braun, Department of Family Studies, University of Maryland

Section C: Educational Program Resource Exchange

Disaster Preparation, Response and Recovery Issues Encountered by Family Resource Management Practitioners after Hurricanes Katrina and Rita. Bobbie D. Shaffett, School of Human Sciences, Mississippi State University; Jeanette A. Tucker, School of Human Ecology, Louisiana State University; Ann A. Berry, School of Human Ecology, University of Tennessee; Susan E. Cosgove, Mississippi State University Extension Service

Section D: Educational Program Resource Exchange

The Money Talk Workbook and Class Series. Barbara O’Neill, Rutgers Cooperative Research and Extension

Small Steps to Health and Wealth. Barbara O’Neill, Rutgers Cooperative Research and Extension

Educating Consumers to Legally Secure Their Financial Future. Joanne Bankston, Kentucky State University Cooperative Extension Program; Debra Pankow, North Dakota State University Extension Service; Liz Gorham, South Dakota State University Cooperative Extension Service

Section E: Posters

CASH: Creating Assets for Success and Happiness. Patricia K. Gorman, Family Resource Management Field Specialist, Iowa State University Extension

The Establishment of a Viable Housing Center for Research and Outreach: A Successful Collaboration among Researchers, Community Leaders, Policy Makers and Consumers. Mandi M. Colson, Brenda J. Cude, Thomas F. Rodgers, Anne L. Sweaney,and Karen L. Tinsley, Department of Housing and Consumer Economics, University of Georgia

Home of My Own: A Web-based Homebuyer Education Curriculum. Connie Kratzer, Family and Consumer Sciences Extension; Azori Sparks, Family and Consumer Sciences Education;New Mexico State University and Ann Vail, School of Human Environmental Sciences, University of Kentucky

Louisiana House: Home and Landscape Resource Center: A Vital Resource for Disaster Recovery. Frances C. Lawrence, Claudette Hanks Reichel, and Sandy Scallon, School of Human Ecology, Louisiana State University

Making Every Dollar Count: The University of Georgia’s Consumer Financial Literacy Program. Josalyn A. Dykes and Michael Rupured, Department of Housing and Consumer Economics, University of Georgia

Overdraft Protection: An Overview of Practices and Disclosures Available to Consumers and Potential Implications for Family Financial Management. Amanda M. Upchurch, Department of Housing and Consumer Economics, University of Georgia

Personal Finance Resiliency Assessment Quiz. Barbara O’Neill, Rutgers Cooperative Research and Extension; Jing J. Xiao, School of Family and Consumer Sciences, University of Arizona

Protecting Your Retirement and Other Financial Information for Family Caregivers: What Every Adult Child Should Know. Celia Ray Hayhoe, Department of Apparel, Housing, and Resource Management, Virginia Tech University

Section F: Measuring Outcomes

Social Support as a Means to Well-Being for Rural Low-Income Mothers. Sharon B. Seiling, Department of Consumer Sciences; Kathryn Stafford, Department of Consumer Sciences; Susan McCabe, Department of Human and Community Development; Kathy Reschke, Department of Human Development and Family Science, The Ohio State University

First-time vs. Repeat Filers: The Likelihood of Completing a Chapter 13 Bankruptcy Repayment Plan. Cäzilia Loibl, Department of Consumer Sciences, The Ohio State University; Tahira K. Hira, College of Human Sciences, Iowa State University; Michael Rupured, Department of Housing and Consumer Economics, University of Georgia

Section G: Financial Literacy and College Students

Refereed Paper: College Students and Financial Literacy: What They Know and What We Need to Learn. Brenda J. Cude, Department of Housing and Consumer Economics, University of Georgia; Frances C. Lawrence, School of Human Ecology, Louisiana State University; Angela C. Lyons, Department of Agricultural and Consumer Economics, University of Illinois; Kaci Metzger, Emily LeJeune, Loren Marks, and Krisanna Machtmes, School of Human Ecology, Louisiana State University

Are Teenagers Ready for Personal Finance Education? An Analysis of Timing for Personal Finance Education. Tzu-Chin Martina Peng, Department of Consumer Sciences; Suzanne Bartholomae, Department of Human Development and Family Science; Jonathan J. Fox and Garrett M. Cravener, Department of Consumer Sciences; The Ohio State University

Program Under Construction: Virginia Tech Financial Literacy Program. Karen L. Richel, Office of Scholarships and Financial Aid, Virginia Tech University

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