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
Author: Maranda Brooks
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
Author: Nichole Huff
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
Author: Kelly May
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
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
Author: Christy Stearns
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
Author: Natalie Taul
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
Author: Linda Burgard
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
Author: Jane Proctor
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
Author: Daniel Allen
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
Author: Darian Creech
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
Author: Stacy Trent
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
Author: Lorie Adams
Author: Kelsey Sebastian
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
Author: Nanette Banks
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
Author: Laken Campbell
Author: Joan Bowling
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
