Success Stories By MajorProgram FY2024Jul 1, 2023 - Jun 30, 2024
A Bad Deal in Disguise: Fighting Scams by Identifying Them
Author: Megan Gullett
Major Program: Financial Education - General
Scammers may try to trick us by appearing in disguise. This makes it difficult to know when something is “too good to be true.” The Federal Trade Commission received 2.9 million fraud reports in 2021. Of those reports, about a quarter of them resulted in a loss, equaling a total of $6.1 billion. The best way to avoid joining those statistics is to learn more about different types of scams to avoid falling victim.To increase consumer knowledge on scams and fraud prevention, the Russel
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Workshop Educates Community on Avoiding Scams
Author: Dylan Gentry
Major Program: Financial Education - General
The problem of scams and fraud has been a growing concern in our local community, with many vulnerable individuals falling victim to these deceitful schemes. These scammers prey on people's financial insecurities and trust, causing significant emotional and financial damage.To combat this issue, an educational program was created to educate the public on how to identify and prevent scams. The program consisted of a scams prevention workshop that covered a range of topics, including common sc
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Scam Red Flags and Avoiding Fraud
Author: Christy Eastwood
Major Program: Financial Education - General
Fraud can happen to anyone. According to the U.S. Senate Special Committee on Aging 2019 Fraud Book, it is estimated that older Americans lose at least $2.9 billion per year to financial exploitation schemes and scams. Other groups pose estimates that are even higher, and many agree that fraud is underreported. The best way to protect yourself from financial fraud and scams is to be aware of the tactics con artists use to learn to recognize red flags so you can avoid being tricked. To incre
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Transferring Cherished Possessions
Author: Whitney Morrow
Major Program: Financial Education - General
Estate planning allows people to control what happens to their possessions after their passing. Without a legally recognized plan in place, the government may dictate how someone’s assets are distributed. While there are numerous informal approaches to estate planning, not all are legally recognized. This may create confusion and spark conflict among families during an already challenging time. To increase consumer knowledge on estate planning and asset distribution, the Carter
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Transferring Cherished Possessions
Author: Tiffany Bolinger
Major Program: Financial Education - General
Estate planning allows people to control what happens to their possessions after their passing. Without a legally recognized plan in place, the government may dictate how someone’s assets are distributed. While there are numerous informal approaches to estate planning, not all are legally recognized. This may create confusion and spark conflict among families during an already challenging time. To increase consumer knowledge on estate planning and asset distribution, the Christi
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Kickstart the Holidays
Author: Dylan Gentry
Major Program: Financial Education - General
In a successful holiday preparation event, 55 participants joined county extension agents from the Lake Cumberland Area for "Kickstart the Holidays," a day-long holiday prep event. "Kickstart the Holidays" covered a range of holiday-related topics. Holiday preparation classes are crucial for various reasons, enabling individuals and families to better manage their finances during the holiday season, thus helping them avoid overspending and financial stress. Additionally, thes
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Kickstarting the Holidays: Budgeting for Holiday Meals and other Expenses
Author: Megan Gullett
Major Program: Financial Education - General
In a successful holiday preparation event, 55 participants joined county extension agents from the Lake Cumberland Area for "Kickstart the Holidays," a day-long holiday prep event. "Kickstart the Holidays" covered a range of holiday-related topics. Holiday preparation classes are crucial for various reasons, enabling individuals and families to manage their finances during the holiday season better, thus helping them avoid overspending and financial stress. Additionally, thes
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Kickstart The Holidays
Author: Deborah Shepherd
Major Program: Financial Education - General
In a successful holiday preparation event, 55 participants joined county extension agents from the Lake Cumberland Area for "Kickstart the Holidays," a day-long holiday prep event. "Kickstart the Holidays" covered a range of holiday-related topics. Holiday preparation classes are crucial for various reasons, enabling individuals and families to better manage their finances during the holiday season, thus helping them avoid overspending and financial stress. Additionally, thes
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Scamming
Author: Edith Lovett
Major Program: Financial Education - General
The problem: Clients are being scammed daily by telephone, facebook, and other media scams.The educational program response: How to identify scammers.The participants/target audience; Older adultsOther partners (if applicable)Program impact or participant response. Scammers may try to trick us by appearing in disguise. This makes it difficult to know when something is “too good to be true.” The Federal Trade Commission received 2.9 million fraud reports in 202
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Fraud Prevention 101
Author: Ashley Vice
Major Program: Financial Education - General
Fraud can happen to anyone. According to the U.S. Senate Special Committee on Aging 2019 Fraud Book, it is estimated that older Americans lose at least $2.9 billion per year to financial exploitation schemes and scams. Other groups pose estimates that are even higher, and many agree that fraud is underreported. The best way to protect yourself from financial fraud and scams is to be aware of the tactics con artists use and learn to recognize red flags so you can avoid being tricked. To incr
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Dining in Style with the Leading Ladies
Author: Kristi Shive
Major Program: Financial Education - General
The administration of Bristow Elementary in Bowling Green, Kentucky needed someone to teach dining etiquette to their Leading Ladies group. Kristi Shive, Warren County Family and Consumer Sciences Agent delivered the “Dining in Style” lesson from the Positive Employability curriculum at the Leading Ladies lock-in. Leading Ladies is a leadership program for young ladies who wish to strengthen their emotional, social, and academic growth and development. The goal of the prog
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Scam Red Flags and Avoiding Fraud
Author: Jill Harris
Major Program: Financial Education - General
Fraud can happen to anyone. According to the U.S. Senate Special Committee on Aging 2019 Fraud Book, it is estimated that older Americans lose at least $2.9 billion per year to financial exploitation schemes and scams. Other groups pose estimates that are even higher, and many agree that fraud is underreported. The best way to protect yourself from financial fraud and scams is to be aware of the tactics con artists use and learn to recognize red flags so you can avoid being tricked.To increase c
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Transition Planning: Estate Planning Essentials for Kentuckians
Author: Megan Gullett
Major Program: Financial Education - General
In the heart of Kentucky's Russell County, a transformative estate planning program unfolded over two enlightening evenings, leaving an indelible mark on 70 clients. Inviting specialists from the University of Kentucky, and a seasoned estate planning expert from Kentucky Farm Bureau, the initiative aimed to demystify the process and equip attendees with the knowledge needed to secure their legacies.For Kentucky, estate planning isn't just advisable—it's imperative, partic
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Quicksand Area Holiday Road Show 2023
Author: Vicki Boggs
Major Program: Financial Education - General
The Problem: In Leslie County and the entire Quicksand Area, many families struggle financially, especially during the holidays. Providing the family with meals, decorations and more during the holidays often leads to overspending. These pressures challenge many families who already struggle financially.The Educational Program Response: To address this issue, the Quicksand Area Agents collectively developed the Holiday Road Show, a comprehensive educational and fun program aimed at h
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Planning Your Legacy
Author: Joan Bowling
Major Program: Financial Education - General
According to LegalZoom (www.legalzoom.com) only 33% of American have an estate plan/will. It is estimated that 52 percent of Americans don’t know where their parents will is located; 60% of people without a will reported not taking any action to create a will and also haven't made a living trust or any other estate planning document. (Caring.com)To address the issue, the Kenton County Cooperative Extension Service held a two part series of programs focused on planning for and communica
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Holiday Road Show
Author: Laken Campbell
Major Program: Financial Education - General
Success Story: The Holiday Road ShowThe Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending, exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show, a comprehensive educational program aimed at helping families plan budget-friendly holiday m
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Planning Holiday Meals and Gifts on a Thrifty Budget
Author: Nanette Banks
Major Program: Financial Education - General
The Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending and/or exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show-Planning Holiday Meals and Gifts on a Thrifty Budget, a comprehensive educational program aimed at helping families plan bu
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The Holiday Road Show
Author: Kelsey Sebastian
Major Program: Financial Education - General
The Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending, exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show, a comprehensive educational program aimed at helping families plan budget-friendly holiday meals and decorations. Planning Thrif
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Quicksand Area Holiday Road Show 2023
Author: Lorie Adams
Major Program: Financial Education - General
The Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending, exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show, a comprehensive educational program aimed at helping families plan budget-friendly holiday meals and decorations. The program fo
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Quicksand Area Holiday Roadshow
Author: Stacy Trent
Major Program: Financial Education - General
The Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending, exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show, a comprehensive educational program aimed at helping families plan budget-friendly holiday meals and decorations. The program fo
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Preparing for the Future: Transferring Cherished Possessions
Author: Linda Burgard
Major Program: Financial Education - General
Estate planning allows people to control what happens to their possessions after their passing. Without a legally recognized plan in place, the government may dictate how someone’s assets are distributed. While there are numerous informal approaches to estate planning, not all are legally recognized. This may create confusion and spark conflict among families during an already challenging time. To increase consumer knowledge on estate planning and asset distribution, the Whitley Count
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2024 Success Story: Holiday Road Show
Author: Darian Creech
Major Program: Financial Education - General
Success Story: The Holiday Road ShowThe Problem: In the Quicksand Area, many families struggled with financial strain during the holiday season. The pressure to host elaborate meals and decorate homes often led to overspending, exacerbating financial stress for already vulnerable households.The Educational Program Response: To address this issue, the Quicksand Area Agents developed the Holiday Road Show, a comprehensive educational program aimed at helping families plan budget-friendly holiday m
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Planning Your Estate Legacy
Author: Daniel Allen
Major Program: Financial Education - General
According to LegalZoom (www.legalzoom.com) only 33% of American have an estate plan/will. It is estimated that 52 percent of Americans don’t know where their parents will is located; 60% of people without a will reported not taking any action to create a will and also haven't made a living trust or any other estate planning document. (Caring.com)The Kenton County Cooperative Extension Service held a two part series of programs focused on planning for and communicating end-of-life wishe
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Positive Impacts from Budgeting Program in Hardin County with Kentucky State University FCS Extension Agent”-April 2024
Author: Chandra DeRamus
Major Program: Financial Education - General
Chandra DeRamusSuccess Story-Intermediate OutcomeApril 11, 2024 “Positive Impacts from Budgeting Program in Hardin County with Kentucky State UniversityFCS Extension Agent” With the everchanging societal changes within Hardin
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Transferring Cherished Possessions
Author: Jane Proctor
Major Program: Financial Education - General
Recent findings show that while more than half of Americans acknowledge the significance of estate planning, only about a third have actually drafted a will. Among the nearly 70% without a testamentary document, many believe they lack substantial assets to warrant such planning. Even when formal arrangements are made for titled properties like real estate or insurance, the often-neglected non-titled assets, comprising the bulk of one's estate, remain a concern. Ranging from everyday clutter
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Accessible Financial Literacy: A Different Approach
Author: Natalie Taul
Major Program: Financial Education - General
Financial education programs often highlight financial literacy skills such as budgeting and managing credit card debt; however, these skills do not tap into the emotional and practical issues that cause people to react irrationally with money. Financial decisions are most often motivated by emotional need as opposed to logical knowledge. In 2022 the Grayson County Family and Consumer Science Agent worked with the local Community Alliance Food Pantry to provide Financial Education classes u
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Kickstart the Holidays
Author: Christy Stearns
Major Program: Financial Education - General
In a successful holiday preparation event, 55 participants joined county extension agents from the Lake Cumberland Area for "Kickstart the Holidays," a day-long holiday preparation event. "Kickstart the Holidays" covered a range of holiday-related topics which enabled individuals and families to better manage their finances during the holiday season, thus helping them avoid overspending and financial stress. Additionally, these classes promote a deeper understanding and appre
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OneOp Personal Finance Collaboration Team
Author: Nichole Huff
Major Program: Financial Education - General
According to the U.S. Department of Defense (DOD), the total military personnel in 2022 was 2,071,451. Kentucky is eleventh in the country for active-duty service members with approximately 81,000 total military personnel in Kentucky, including active-duty, reserve, and National Guard service members and their families. Military families in and beyond Kentucky are supported by a network of providers, programs, and services that support their health, well-being, and readiness. This net
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Transferring Cherished Possessions: Estate Planning for Non-Titled Property (Year 1 Data)
Author: Nichole Huff
Major Program: Financial Education - General
Research suggests that more than 50% of Americans think estate planning is important, but only 33% have a will. For the nearly 70% of Americans without a written will, many indicate they do not believe they have enough assets to leave behind anything of worth. Even when formal estate plans are in place for titled property such as houses, land, or insurance policies, often overlooked is the non-titled property that makes up the bulk of a person’s estate. From clutter to cherished possession
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Kentucky Saves Week 2024 Spreads Savings Message
Author: Kelly May
Major Program: Financial Education - General
Kentucky Saves is led by the University of Kentucky Cooperative Extension Service as part of the national America Saves campaign. This year the campaign changed dates, moving from the last week of February to the second week of April. The week of April 8-12, 2024, was official declared Kentucky Saves Week by the state governor, and encourages individuals and families to save money and build personal wealth. The Kentucky Saves Campaign at www.kentuckysaves.org, is co-coordinated by Dr. Nichole Hu
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Kentucky Saves Week 2024
Author: Nichole Huff
Major Program: Financial Education - General
Kentucky Saves is led by the University of Kentucky Cooperative Extension Service as part of the national America Saves campaign. This year the campaign changed dates, moving from the last week of February to the second week of April. The week of April 8-12, 2024, was official declared Kentucky Saves Week by Governor Beshear, encouraging individuals and families to save money and build personal wealth. The Kentucky Saves Campaign at www.kentuckysaves.org, is co-coordinated by Dr. Nichole Huff, A
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Planning Ahead: Estate Planning and Financial Education Building Toolkit series
Author: Maranda Brooks
Major Program: Financial Education - General
Research suggests that more than 50% of Americans think estate planning is important, but only 33% have a will. For the nearly 70% of Americans without a written will, many indicate they do not believe they have enough assets to leave behind anything of worth. Even when formal estate plans are in place for titled property such as houses, land, or insurance policies, often overlooked is the non-titled property that makes up the bulk of a person’s estate. From clutter to cherished possession
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