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MoneyWise
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MoneyWise

Cathy F. Bowen, Ph.D.

This flyer explains some of the ways Penn State Extension can help you manage your money. More
Build Wealth Not Debt: Become a Pennsylvania Saver
Build Wealth Not Debt: Become a Pennsylvania Saver - Articles Articles
This brochure provides tips and contacts for money-saving programs. More
Cutting Credit Costs: Understanding Credit Fees
Cutting Credit Costs: Understanding Credit Fees - Articles Articles
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
Cutting Credit Costs: Understanding Grace Periods
Cutting Credit Costs: Understanding Grace Periods - Articles Articles
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
Cutting Credit Costs: Pay Credit Card Bills Early
Cutting Credit Costs: Pay Credit Card Bills Early - Articles Articles
This article answers questions about paying credit card bills early and how it can save money. More
Cutting Credit Costs: Free Credit Reports
Cutting Credit Costs: Free Credit Reports - Articles Articles
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
Bouncing Back When Income Drops 5: Paying Creditors and Keeping Your Reputation
Bouncing Back When Income Drops 5: Paying Creditors and Keeping Your Reputation - Articles Articles
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
Spending Choices
Spending Choices - Articles 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
My Monthly Spending Plan
My Monthly Spending Plan - Articles 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
Preparing for Emergencies: A Consumer's Guide
Preparing for Emergencies: A Consumer's Guide - Articles Articles
This article aims to help you prepare your home and family for emergency situations. More
Financial Security in Life: Pay-Yourself-First
Financial Security in Life: Pay-Yourself-First - Articles Articles
Pay-yourself-first is a simple concept that paves the way for wealth accumulation or an upcoming need you may have. More
Considerations for Hiring Financial Professionals
Considerations for Hiring Financial Professionals - Articles 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
Bouncing Back When Your Income Drops: Overview
Bouncing Back When Your Income Drops: Overview - Articles 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
Cutting Credit Costs: Annual Percentage Rates and Yields
Cutting Credit Costs: Annual Percentage Rates and Yields - Articles Articles
This article features questions and answers about annual percentage rates and their importance. More
Cutting Credit Costs: Know Your Credit Rights
Cutting Credit Costs: Know Your Credit Rights - Articles Articles
This article covers the laws that provide rights and some protection to credit users. More
How to Store Water for Drinking or Cooking
How to Store Water for Drinking or Cooking - Articles 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
Triploid grass carp are one potential management strategy for aquatic plants in your pond
Using Grass Carp to Control Aquatic Plants - Articles 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
Common Water Test Parameters Related to Natural Gas Drilling
Common Water Test Parameters Related to Natural Gas Drilling - Articles Articles
Water test reports of water near gas drilling activity generally have these common parameters. More
A small roadside spring located along a state forest road in northcentral Pennsylvania.
Roadside Springs - Articles 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
Food For Profit: Marketing Your Food Product
Food For Profit: Marketing Your Food Product - Articles Articles

Food For Profit: Marketing Your Food Product

Luke LaBorde, Ph.D., Winifred W. Mc Gee

Marketing is more than advertising; it is everything you do to promote your business and your food products, from the moment you conceive of a product to the point at which customers buy it. More
Food for Profit: Food Labels
Food for Profit: Food Labels - Articles Articles

Food for Profit: Food Labels

Luke LaBorde, Ph.D., Winifred W. Mc Gee

Food label regulations dictate the type of information that must be on the label and where it can be placed on the package. More
Food For Profit: Price and Pricing
Food For Profit: Price and Pricing - Articles Articles

Food For Profit: Price and Pricing

Luke LaBorde, Ph.D., Winifred W. Mc Gee

There is a difference between price and pricing. Each method has own advantages and disadvantages. More
Food for Profit: Insurance for Food Entrepreneurs
Food for Profit: Insurance for Food Entrepreneurs - Articles Articles

Food for Profit: Insurance for Food Entrepreneurs

Luke LaBorde, Ph.D., Winifred W. Mc Gee

Food business owners are held responsible for any harm that comes to employees, visitors who come to your establishment, and consumers who eat your products. More
Food for Profit: Business Planning
Food for Profit: Business Planning - Articles Articles

Food for Profit: Business Planning

Luke LaBorde, Ph.D., Winifred W. Mc Gee

Before starting your new food business, you need a clear vision of how you want your business to operate; how it will be managed, marketed, financed, and how you expect it to perform in the future. More
Food for Profit: Home Food Processing
Food for Profit: Home Food Processing - Articles Articles

Food for Profit: Home Food Processing

Luke LaBorde, Ph.D., Winifred W. Mc Gee

Setting up a food-processing business in your home has advantages and disadvantages. This article describes considerations for how to set up your food-processing business. More
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