Articles
Articles
Articles Build Wealth Not Debt: Become a Pennsylvania Saver
Cathy F. Bowen, Ph.D.
This brochure provides tips and contacts for money-saving programs. More
Articles Cutting Credit Costs: Understanding Credit Fees
Cathy F. Bowen, Ph.D.
This article explains fees other than interest that can be assessed on credit cards, including carrying charges, annual fees, cash advance fees, late fees, and transaction fees. More
Articles Cutting Credit Costs: Understanding Grace Periods
Cathy F. Bowen, Ph.D.
This article explains what a credit card grace period is, why credit users should be concerned about it, and how to find out whether a credit card has a grace period. More
Articles Cutting Credit Costs: Pay Credit Card Bills Early
Cathy F. Bowen, Ph.D.
This article answers questions about paying credit card bills early and how it can save money. More
Articles Cutting Credit Costs: Free Credit Reports
Cathy F. Bowen, Ph.D.
This article explains free credit reports, how to obtain them, how to read them and interpret your score, and what to do if your credit report has errors. More
Articles Bouncing Back When Income Drops 5: Paying Creditors and Keeping Your Reputation
Cathy F. Bowen, Ph.D.
This publication explains steps you can take to work with your creditors to protect your financial reputation. It includes advice about prioritizing bills, and examining income and expenses. More
Articles Spending Choices
Cathy F. Bowen, Ph.D.
This publication demonstrates that spending choices must be made with limited dollars. Participants must make choices about housing, utilities, furnishings, food, transportation and other variables. More
Articles My Monthly Spending Plan
Cathy F. Bowen, Ph.D., Rebecca Escott
This article features a spending plan calendar and tips to make your plan work. More
Articles Preparing for Emergencies: A Consumer's Guide
Cathy F. Bowen, Ph.D.
This article aims to help you prepare your home and family for emergency situations. More
Articles Financial Security in Life: Pay-Yourself-First
Cathy F. Bowen, Ph.D.
Pay-yourself-first is a simple concept that paves the way for wealth accumulation or an upcoming need you may have. More
Articles Considerations for Hiring Financial Professionals
Cathy F. Bowen, Ph.D., Robin Kuleck, RN, MSEd
Regardless of the type of financial professional you need to hire for your natural gas well, there are some steps to take that will ensure the person you hire is the right person for your need. More
Articles Bouncing Back When Your Income Drops: Overview
Cathy F. Bowen, Ph.D., Marilyn Furry, Ph.D.
Losing your job, being laid off, or having your family income decrease is traumatic. More
Articles Cutting Credit Costs: Annual Percentage Rates and Yields
Cathy F. Bowen, Ph.D.
This article features questions and answers about annual percentage rates and their importance. More
Articles Cutting Credit Costs: Know Your Credit Rights
Cathy F. Bowen, Ph.D.
This article covers the laws that provide rights and some protection to credit users. More
Articles How to Store Water for Drinking or Cooking
Cathy F. Bowen, Ph.D., Bryan Swistock, William Sharpe, Ph.D.
Storing water for an emergency is simple, especially when the water is not contaminated. Here are some guidelines for storing water. More
Articles Using Grass Carp to Control Aquatic Plants
Bryan Swistock, Jennifer R Fetter, Amy Galford, James Andrew Clark
This information explains how to use grass carp for biological aquatic vegetation control. More
Articles Common Water Test Parameters Related to Natural Gas Drilling
Bryan Swistock, James Andrew Clark
Water test reports of water near gas drilling activity generally have these common parameters. More
Articles Roadside Springs
Bryan Swistock, Susan Boser, Mark Madden, Diane Oleson, M.S., Amy Galford, Gary William Micsky, James Andrew Clark
This article discusses a research study on the water quality and use of numerous roadside springs across Pennsylvania. More
Articles Premium Tax Credit
Cathy F. Bowen, Ph.D.
One of the many key provisions of the Affordable Care Act (ACA) is the premium tax credit. More
Articles Additional Health Insurance Options
Cathy F. Bowen, Ph.D.
Finding health insurance can be challenging and confusing. In addition to the options available through the Health Insurance Marketplace, there are other options available for individuals who qualify. More
Articles Common Drinking Water Problems and Solutions
Bryan Swistock, James Andrew Clark
A listing of symptoms in water (color, smell, taste), the common causes, and possible solutions to common drinking water problems. More
Articles Principles of Insurance
Cathy F. Bowen, Ph.D.
What are the basic principles of an insurance product (auto, homeowner, renters, etc). More
Articles Why Having Comprehensive Health Insurance Matters
Cathy F. Bowen, Ph.D.
Having comprehensive, affordable health insurance matters to everyone. More
Articles The Water We Drink
Jennifer R Fetter, James Andrew Clark
Written for youth in grades 6-12, this tool introduces public and private water systems and includes an activity on how to read a water quality test report. More