1998 Success Stories

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Date: Tue Mar 17 14:21:25 EST 1998
SMP #: 8
Local System: pamlico
Person Reporting: Fonrose Rice

With over 18.7 of the Pamlico County population over 65 and many of these recently widowed, a committee was formed to explore offering the Women's Financial Information Program. The Committee was composed of representatives from Senior Services, local AARP Chapter, Banker, Insurance Agency and local SHIIP volunteer and N.C.C.E.S. The Extension Service co-sponsored this with AARP. Jan Lloyd, Family Consumer Resource Specialist, NCSU, provided the training which is required before a county can offer the program. AARP materials were used. We had 23 people to register with 20 participating in the 7 sessions. Comments made were: "This is the best program I have ever been involved with financial matters" and "I wish I had had this 20 years ago". We plan to offer this again in the Fall or Winter to the working population who are available only in the evenings.
Date: Tue Mar 31 11:40:58 EST 1998
SMP #: 8
Local System: greene
Person Reporting: Shenile Rothwell

Three families recieved 8 hours each (24 hrs. total) for
completion of the Homebuying Course. A total of $155,000 dollars in affordable home purchases was made available to two families desiring homes. Results from the evaluation showed that due to the course several objectives were met by participants: 1] how to shop for an affordable mortgage, 2]
how to negotiate for a home, 3] how to obtain and use a home
inspection, 4] Know what to expect from closing and settlement. Course hours were used to obtain the mortgages
for each family.
Date: Mon Apr 6 15:21:29 EDT 1998
SMP #: 8
Local System: pamlico
Person Reporting: Fonrose Rice

The "Women's Financial Information Program" made me aware of what I need to do to organize my financial picture. This was an excellent workshop, I didn't know how much my education was lacking in this area,", said a participant in the WFIP, a financial information program designed by AARP recently completed in Pamlico County. According to the evaluation, as a reuslt of WFIP, 95 percent felt more positive about managing finances after completing the course. The average age of the participants was 67. The average income was $20,000.
Date: Thu Jun 11 10:51:36 EDT 1998
SMP #: 8
Local System: person
Person Reporting: Besss Hester-Whitt

The Money Talks newsletter is a general money management informational tool delivered to local industry break rooms and local citizens. As a result of information delivered through this method, this month we had a request for back issues of the newsletter and duplicate copies of "Making a Budget and Making it Work." The client making the request is using these Extension resources to share as part of her graduation gift to area high school seniors, hoping to assist them in their personal financial management. Her comment is, "This is good stuff! Keep up the good work!
Date: Thu Jun 18 11:26:13 EDT 1998
SMP #: 8
Local System: durham
Person Reporting: Theresa T. Clark

Reports indicate that too frequently newly constructed homes purchased by consumers within the past 3 years or less exhibit signs of poor construction and cheap materials. Many homeowners rely on the FCS Agent to provide them with reliable information to help them make the best possible decision regarding repairs and maintenance. One homeowner credits the Durham County Extension Service with savings her family over $1,000.00 for window sills replacements which had deteriated. It was recommended that she contact her contractor pior to taken on the expense of repairs or legal action. After talking with the contractor he agreed to replace the window sills without cost to the homeowner.
Date: Thu Jun 18 10:54:50 EDT 1998
SMP #: 8
Local System: guilford
Person Reporting: Barbara C. Strong

Many of Guilford County's Limited-resource families are in need of sound consumer information and advice in order to effectively manage their dwindling resources. To address this need, the Cooperative Extension in cooperation with the Department of Social Services and the Summit House Corrections Program sponsored housecleaning workshops for 35 participants on Cleaning With Pizazz:Housecleaning made easy. With assistance of a Family & Consumer Education Agent, participants gained knowledge, skills and became aware of keeping their house clean without it being costly to their budget. They learned how to mix household ingredients to create a homemade window cleaner to help cut costs. They learned to organize and prioritize work to get their housekeeping done. 21 participants learned greater skills, adopted practices to make better use of available resources and improve home management skills. 31 participants indicated they saved an estimate of $1,743.00.
These participants value the importance of a clean house.
Date: Mon Jun 22 10:02:35 EDT 1998
SMP #: 8
Local System: forsyth
Person Reporting: Nita H. Royal

To maintain the need of optimal financial security, it is vital for consumers to invest money regularly. To assist with this need,the second annual "Investors Fair" helped 238 consumers improve their ability to diversify their investments and develop a lifetime approach to financial security. Under the Cooperative Extension Service and the Triad Investors Educational Council's leadership, 218 participants reported increased satisfaction with their ability to use resources for retirement management. Continuing education for investors to gain new and better skills are planned.
Date: Mon Jun 22 10:03:12 EDT 1998
SMP #: 8
Local System: forsyth
Person Reporting: Nita H. Royal

To assist in the increasing need of households to own their own home, the Cooperative Extension Service, City Housing Department, and three local financial institutions networked to provide information necessary for 32 families to be able to complete requirements for home ownership from January-June, 1998. All of the new homeowners reported learning why and how to prepay principal as their most valuable lesson learned form the classes CES presented. Second was the wise use of consumer credit. As a result the familes will build equity sooner and increase total family wealth for future financial needs such as children's education.
Date: Fri Jun 26 09:53:44 EDT 1998
SMP #: 8
Local System: edgecomb
Person Reporting: Connie A. Sherrill

According to the Attorney General's Office, fraudulent telemarketers cost North Carolina consumers over $200,000,000 each year. Twenty-seven percent of the public admits being persuaded by potentially fraudulent telemarketers, who often target the elderly. To address this concern, educational programs on telemarketing fraud were conducted for 85 senior adults. The program focused on prize offers, sweepstakes scams and recovery schemes. The majority of the participants acknowledged they received unwanted phone solicitations. More than 60 percent of the participants indicated that the knowledge gained would increase their skill and confidence in responding to phone solicitations. The seniors also responded they would better protect their financial status by refusing to send money, give credit card or bank numbers to telemarketers.
Date: Fri Jun 26 12:29:22 EDT 1998
SMP #: 8
Local System: mecklenb
Person Reporting: Babs Merrill

Second Harvest Food Bank of Metrolina received donation of 2000 lbs.of outdated boneless, skinless chicken breasts which circumstances dictated immediate freezing. Bulk pkg. in 70# lots increased problem. After talking with 2 CES spec and following directions re: thawing and inspection, agent prepared several different recipes ulitizing product and served to food bank staff during a lunchtime seminar on importance of proper handling to safety of product and immediate cooking after thawing. Handout sheet prepared for distribution with product. As result of CES information $10,000 of chicken was made available to qualifying agencies rather than the dump (where it would have gone otherwise.)
Date: Fri Jun 26 09:38:55 EDT 1998
SMP #: 8
Local System: mecklenb
Person Reporting: Hope Hunt

Diverse audiences are reached though the First-Time Homebuyers Homestudy course. Many of the limited resouce families taking this course need home buying information but find traditional educational "courses" difficult to manage or impossible. Because many family members work 2 jobs and have very limited free time, are single parent families, or speak limited English - thier traditional loan options are limited. Over the past 6 months out of 30 families completing the course, 3 were Hipanic, 1 asian and 1 Russian. In 3 of these cases, teenage children were recruited to serve as interpreters and learned a great deal of the subject matter themselves for the family.
Date: Mon Jun 29 00:12:01 EDT 1998
SMP #: 8
Local System: forsyth
Person Reporting: JoAnne J. Falls

Forsyth County citizens do not know what housing resources are available in the county. To meet the need a seminar was held on "Housing Provider Agencies in Forsyth County." The departments represented were City Housing, County Housing, USDA Rural Development, and Human Relations. The 20 attendees had problelms that the presenters could help them with such as poor housing conditions, snakes in the home, landlord problems, and perspective home buyers' needs. All were elated to be able to have such a needed seminar from which they could get pertinent help.
Date: Mon Jun 29 15:46:15 EDT 1998
SMP #: 8
Local System: buncombe
Person Reporting: Nancy Ostergaard

There are four agencies in Buncombe County that assist low income individuals in purchasing their first homes. Seeing the need for educating this group on basic home repairs I approached the agencies about my starting a basic home maintenance course. They were elated with the idea and our first course was offered. It was to be a 90 minute class over a period of four weeks. At the end of the four weeks the participants asked that the course be continued. The next series will be two hour classes for five weeks. The agencies have found the class so beneficial that they desire to make it mandatory for all individuals that purchase homes through them. By keeping the home in repair it will retain its value.
Date: Mon Jun 29 12:01:23 EDT 1998
SMP #: 8
Local System: catawba
Person Reporting: Glennie Daniels

Deprivations and shortages generally are a part of life for older women. Extension and Hickory Parks and Recreation Department united to offer educational opportunities to help older women face the adjustments and role changes that occur in later years. Twenty-eight women from a variety of community settings formed "Women Over 60: Surviving and Thriving." The women explored survival mechanisms which can be employed to maximize available resources in income, relationships, self-development, community resources, medical care, recreation, and education. The women reported positive attitudes toward aging, increased self-esteem, and increased awareness of their competence and capacities in dealing with identified issues and needs. At the conclusion of 8 weekly sessions, the women continued to meet monthly to explore common interests such as drinking water quality and long-term care insurance. Participants formed informal communication lines for taking publications and information to home-bound neighbors and friends.
Date: Mon Jun 29 12:01:36 EDT 1998
SMP #: 8
Local System: cherokee
Person Reporting: April Conley

A lot of times we take things for granted; our loved ones, our abilities, our health, etc. A program that I gave this month allowed me to help those who are not as fortunate as others. A counselor at the local mental health center asked that I present a program to one of her high functioning mental ill groups. Most of the group members worked, but were having difficulties in saving money for bills; they spent it all immediately, without conceivng the consequences or saving anything. I presented an interactive program in which we discussed basic saving techniques, how and why to save money, how to "stretch" your dollar, using credit wisely, and distinguishing wants from needs. All 8 participants said that they learned money management skills that they would continually apply to their lives.
Date: Mon Jun 29 14:38:04 EDT 1998
SMP #: 8
Local System: lincoln
Person Reporting: Melinda Houser

With the growing population of older adults, there is a need to keep older adults informed concerning changes in medical insurance, medicare, and how to handle the paper work involved with these programs. We have 8 SHIIP volunteers who assist individuals with medical insurance decisions, and present health insurance programs to various groups in the county. The volunteers received update training bi-monthly from the Department of Insurance in Raleigh. Forty individuals have each saved $30.00 monthly as a result of educational information provided by SHIIP volunteers.
Date: Mon Jun 29 14:56:20 EDT 1998
SMP #: 8
Local System: macon
Person Reporting: Jo Ann Cope

8 Macon County low income families became homeowners this year in part because of the efforts of the Extension-sponsored group, Macon Partners In Homeownership! New activities this year include the development of a Homebuyer Education Course by Mail that will enable all prospective first-time homebuyers to develop a realistic picture of their homebuying knowledge and the amount of house that they can afford. All the major lenders have been involved in development of this curriculum. The materials that this group has initiated have now spread to neighboring counties.
Date: Mon Jun 29 15:56:43 EDT 1998
SMP #: 8
Local System: newhanov
Person Reporting: Dianne gatewood

A series of three one hour classes were conducted at the the New Hanover County Senior Center on financial and credit management from January to March for Senior Aide Trainees. Class topics included Consumer Rights and Responsibilities, Budgeting and Record Keeping, and Health Insurance. Collaboration was conducted with Dewey Graham, Senior Aide Director. The 145 participants reported they have adopted skills and implemented making consumer complaints, developing a budget and managing credit, organizing a record keeping system and interpreting Medicare Health Insurance policies and guidelines.
Date: Tue Jun 30 16:09:36 EDT 1998
SMP #: 8
Local System: forsyth
Person Reporting: Deborah D. Womack

Moving families off of welfare to work is a goal facing
Forsyth Co.Cooperative Extension Service is working with DSS,Goodwill Industries, and JobLink Center to help young mothers improve their financial status.Classes were held at Goodwill Industries focusing on basic budgeting for parents who will be entering the workforce.200 participants increased knowledge and learned steps to make a budget to fit their family's needs.Of that number,only 25 percent or 50 participants had ever made a budget before.150 limited resource participants stated that by making this budget-it would help them to prioritize their bills and start paying bills on time and improving their credit record.
Date: Tue Jun 30 16:27:46 EDT 1998
SMP #: 8
Local System: gaston
Person Reporting: Elaine Roux

A Habitat for Humanity applicant was referred to Extension for assistance in establishing financial eligibility. Review of her records and status showed that she was eligible, not only for Habitat, but for other low-income first time home buyer programs. She had hoped for a Habitat home, but needed to find some better housing quickly. Threats from former spouse to demand custody of the children because of inadequate housing conditions energized her to seek out, research, complete the forms and quailfy for another source of down payment subsidy and assistance with housing program. She credited the Extension agent with encouraging and supporting her through the process. She became a homeowner within two months and invited the agent to her housewarming.
Date: Tue Jun 30 16:28:05 EDT 1998
SMP #: 8
Local System: gaston
Person Reporting: Elaine Roux

After the American and Efird Employee's Retirement Planning Workshop, the Benefits Counselor reported that she had assisted approximately 15 of the 136 individuals that attended the program. They reviewed their company benefits package and/or established or increased their contribution to the company 401 (k) program. The company considers the program a valuable employee benefit and has already asked to be scheduled by the agent for the year 2000 to repeat it for the fifth time.
One executive remarked, when thanking the agent after the program, that he would be over to get more information from Extension about Medicare, estate planning and other topics when he was ready to retire personally.
Date: Tue Jun 30 16:01:19 EDT 1998
SMP #: 8
Local System: guilford
Person Reporting: Shelia M. Dalcoe

In recent years, individuals receiving public assistance have been forced to restructure their spending practices due to welfare reform and cuts in government funding in general. To address this problem, a program was implemented in Guilford County with the objective of teaching basic money management principles, entitled "Money Talks." The four week series was conducted for twenty individuals who reside in two government subsidized housing communities through collaborating with Westminster Properties. As a result of the program, 20 individuals reported that they developed and were using a personal budget, 20 individuals set personal financial goals and, the participants reported a combined savings of approximately $1000 from utilizing information received from the program. Following the program, the residents services manager for both communities commented that the program was "super." She indicated that she felt the program had greatly benefited both communities.
Date: Tue Jun 30 17:24:44 EDT 1998
SMP #: 8
Local System: iredell
Person Reporting: Sandra G. Compton

Fourteen women were enrolled in WFIP which concluded Feb. 10th. All women compiled a financial notebook, set and met at least one short term goal, indicated more awareness of finances and increased confidence in managing their money. Short term goals were organizing financial records (8), throwing away obsolete records (10), inventory of safe deposit box (3), insurance policy inventory (3), credit card list (5), gave cash flow statement forms to adult children (5), and balancing check book (5). Thirteen women set long term goals; six completed one-fourth of a long term goal. Ten participants used the rule of three before making a financial decision. Class members evaluated quality of course as excellent.
Date: Tue Jun 30 17:25:20 EDT 1998
SMP #: 8
Local System: iredell
Person Reporting: scompton

Eight participants at the Iredell Vocational Workshop completed a BASIC BUDGETING class. The students were referred by their case worker/counselor. Three sessions of thirty minutes each included making a personal budget, adjusting the budget to income, making a savings plan, setting saving goals, and determining ways to reduce expenses. Class members stated they increased their savings and learned how to save. Each student set a savings goal and received an envelop labeled "savings" at the conclusion of the classes. Student evaluations indicated saving and shopping topics were the most pertinent. Four students rated the class excellent; four, good. Continuous feedback is received from the workshop caseworker as changes in budgeting habits are observed.

Date: Tue Jun 30 17:26:50 EDT 1998
SMP #: 8
Local System: iredell
Person Reporting: Sandra G. Compton

Twenty-nine students at Statesville High School, Iredell County, participated in a two session SMART SHOPPING class developed by Sandra Compton, FCE agent. Impacts were observed by the agent and classroom teacher by visual observation, class discussion, written reports, and follow up observation/discussion. Sixteen students learned the importance of having a written budget, 7 planned to use the envelop method of budgeting, 9 learned the importance of keeping records/files, 8 learned the necessity of keeping sales slips/receipts, 15 began using a shopping list, 18 started comparing price and quality before making a purchase, and 15 learned the importance of saving for a desired item. Seventeen of the students shared handout materials with their Mother/guardians.

Date: Tue Jun 30 12:02:22 EDT 1998
SMP #: 8
Local System: union
Person Reporting: Gloria Baker

To address the need for financial education among women, a Women's Financial Information Program was offered to women. A planning coalition of six agencies and 3 citizen volunteers planned and implemented the program, recruiting 10 speakers, 6 facilitators, 26 participants, a free facility, and a sponsored "graduation" lunch. All participants rated the series as "excellent." Specific impacts involved empowerment to be better organized, to take care of details, to know helpful resources, to plan ahead, to invest for the future, and to have confidence in handling financial affairs. All said that they would recommend the series to a friend, and to women of all ages. For $12 each, participants received hundreds of dollars worth of expert information.
Date: Wed Jul 1 16:06:57 EDT 1998
SMP #: 8
Local System: johnston
Person Reporting: Debra L. Stroud

In conjuction with Johnston County Housing Assistance Program (HAPP) and USDA Rural Development, Johnston County Cooperative Extension Service prepared ten low income adults for new home ownership. A six hour course was designed to take the participants through the steps necessary to locate and finance a new home, and after purchase- to maintain the interior and exterior of the property. The benefits of homeowner-ship were made clear. All of the participants stated that the classes helped to alleviate some of the fears that they had about the homebuying process and cleared up a lot of the mystery. In order to become eligible for monies that were available from HAPP and Rural Development the participants had to completed the entire six hour course.This is the second year that this program has been carried out. All of the participants of last years program still own their homes.
Date: Wed Jul 1 10:06:40 EDT 1998
SMP #: 8
Local System: stanly
Person Reporting: Lori Ivey

Extension Agents work with Senior Citizens through SHIIP (Seniors Health Insurance Information Program) to increase knowledge about medicare, supplemental policies, coverage and other medical insurance issues. Two Medicare Disability customers gained information through counseling with agents and were able to request reimbursement for premiums paid after their medicare coverage began.
Date: Thu Jul 2 11:27:33 EDT 1998
SMP #: 8
Local System: nash
Person Reporting: Linda Aycock

One of the participants of the home buyers class called to say that she had previously taken a home buying class through the city of Rocky Mount (and a local bank) but that the Extension class was far more helpful, better organized and more inclusive. She said "now, I think I can make my way through the home buying process. Thanks."

Date: Mon Jul 6 11:34:04 EDT 1998
SMP #: 8
Local System: rowan
Person Reporting: Amelia J. Watts

Dow Dowagers Investment Club in Rowan County expressed
thanks to CES for the "resources provided to educate the
membership of four clubs on sound and diversified
tools/strategies for saving and investing. Clubs are one year old and eager to learn. Investments have grown 38%." We've partnered with local/regional resources to implement these monthly club programs, special interest Saturday workshops, and newsletters.
Date: Mon Jul 6 11:34:24 EDT 1998
SMP #: 8
Local System: rowan
Person Reporting: Amelia J. Watts

Rowan County presented "Barriers for Aging in Place" for 330 adults who wanted to stay in their own home as they progressed into later years. 77% of respondents told CES that as a result of the program they knew that modification adjustments to physical environments would be necessary, but budgeting for the expenses would take time. Target areas were entrances and baths. Three-fourths stated the desire to share information with other older adults, and they requested additional topics.
Date: Wed Jul 8 10:00:36 EDT 1998
SMP #: 8
Local System: northamp
Person Reporting: Verlene Stephenson

A need was recognized for Work First clients to be empowered to succeed in the work place. A program was designed with learning strategies that enabled Work First clients to increase their knowledge and awareness in areas of financial management and other important life skills. As a result of this program one participant was able to obtain homeownership. Another established a housecleaning business. A married couple reported they learned how to manage their household finances more efficiently.
Date: Fri Jul 10 17:09:43 EDT 1998
SMP #: 8
Local System: wilson
Person Reporting: Candace L. Murray

Lack of understanding of available Medicare Plans often leads to unnecessary expenditures of funds by the elderly to secure medicare supplemental insurance policies. The Cooperative Extension Service in cooperation with the Seniors' Health Insurance Information Program has provided educational training to twelve volunteer counselors for the elderly. As a result ten individuals have been counseled by SHIIP volunteers to interpret seniors' health insurance needs/costs resulting in an average savings of $10.00 per month per person (an annual savings of &7200;.00) in insurance premiums for these consumers.
Date: Fri Jul 10 17:10:21 EDT 1998
SMP #: 8
Local System: wilson
Person Reporting: Candace L. Murray

Limited-resource families are in need of money management and budgeting advice in order to effectively manage their meager resources. The Cooperative Extension in Wilson County provided educational information to participants of local agencies such as Head Start, Workfirst and Habitat for Humanity. As a result 36 participants were trained to more effectively use techniques of debt reduction, goal setting, money management, budgeting, time management, saving and income production to improve their family economic situations. One family was able to keep their home from being foreclosed by learning to more effectively manage their family income and resources so that mortgage payments could be made on time.
Date: Wed Jul 15 15:59:47 EDT 1998
SMP #: 8
Local System: orange
Person Reporting: Deborah J. Taylor

A home maintenance program was conducted for 20 residents of a public housing complex. Participants reported that they gained new information and ideas on how to better care for their homes, which in turn enhanced their self-esteem and motivation to care for the property. Thirteen individuals took part in a post homebuyer education program and 100 percent of the participants reported that the program was beneficial to them, and that they would recommend it to a friend. Most of the participants stated that the dollar value savings to them per month would be worth hundreds of dollars as a result of the program. Other topics cited as valuable to participants were information on floor care, finances, home security and neighborhood etiquette.
Date: Thu Jul 16 15:04:47 EDT 1998
SMP #: 8
Local System: dare
Person Reporting: Rosie Patton

"Ready, Set, Go ... Empowering to Succeed" , a seminar for Work First participants, was held in February. The program, a joint effort planned by DSS's Work First Coordinator and Extension's FCE Agent, provided participants with the opportunity to attend three mornings of fun and informative seminars to enhance their job seeking skills. Topics covered included Getting Motivated, The Winning Look, Managing Stress, Make Up in the Market Place, Where Are The Jobs and more. Speakers included the Directors of Dare County DSS, NCCES, NC Dept of Employment Security and Hotline, as well as the Vice Chair of the Dare's Board of Commissioners. Business leaders were also on the agenda. Participants stated that the sessions were very valuable and appreciated the many speakers who volunteered their time to make them aware of the opportunities and resources available.
Date: Mon Jul 20 14:28:44 EDT 1998
SMP #: 8
Local System: caswell
Person Reporting: Donna Pointer

Serious financial problems affect Caswell County families at all levels. Many consumers, particularly the elderly, are very poorly prepared to make marketplace and other decisions concerning their health insurance. In order to address these issues, Caswell Extension coordinated a training for new Seniors' Health Insurance Information Program (SHIIP) Volunteers. Eleven new volunteers were trained this spring. They will provide counseling and outreach to others in their community. Each new volunteer is enthusiastic about the knowledge gained and each reports sharing this with others.
Date: Sun Aug 9 20:41:21 EDT 1998
SMP #: 8
Local System: carteret
Person Reporting: Sarah Ann Sasser

Sixteen girls,ages 7-17 registered for sewing workshops;
Thirteen completed at least one garment;Twelve modeled in a Fashion Show at the County level; Eight to go to State Back- to-School Sewing with Cotton Contest; one participated in State Fashion Show during 4-H Club Congress. Seven Extension Homemaker leaders helped with the workshops, also 3 mothers attended sessions. Approximately eleven days,5 of which were for beginners only, were devoted to workshop activity.The children learned about fabric selection, pattern selection. types of fabric, fibers, how to use a guide sheet,sewing tools, parts of the sewing machine, and how to use a sewing machine. Their sewing saved money.Success showed in smiles!!
Date: Tue Sep 22 18:01:02 EDT 1998
SMP #: 8
Local System: granvill
Person Reporting: Johnsie C. Cunningham

The Extension Homemakers/Family and Community Education Specialized Committee identified the need to focus on women's health issues. Several programs were offered, including one on mammography which was conducted by a physician from Duke University Medical Center. Collaborating with this Medical Center allowed a presentation which was based on the latest research in the area of mammography. Twenty-six female adults attended the seminar and all expressed that they were more knowledgeable about what they could and should not accept and expect of mammographic screenings as well as from the technician conducting the
screening. Specific legal questions were also shared as a part of the informational program. Also conducted as a program to address women's health issues was one on dress concerns for back deformities. Eight EH/FCE clubs presented this program, reaching approximately 115 females. Several members expressed that they had more confidence in apparel/line selection and they felt better about themselves.
Date: Tue Dec 8 15:24:07 EST 1998
SMP #: 8
Local System: sampson
Person Reporting: Anna J. Peele

The Department of Social Services and the NC Cooperative Extension Service teamed together to provide the mandated in-service training for Foster Parents. Need identified by by parents was, adolescent development. 21 parents Foster Parents participated in the two 5 hour sessions. Topics included adolescent developmental tasks, conflict resolution, discipline, values, and goal setting. 15 parents indicated adopting two or more new skill. A pre - post test evaluated the adults' knowledge of the developmental tasks, the post test indicated a 22 percent increase in knowledge. Parent quote "Helped me understand connection of background and behavior in foster home".
Date: Tue Dec 8 15:24:25 EST 1998
SMP #: 8
Local System: sampson
Person Reporting: Anna J. Peele

The NC Cooperative Extension Service and First Citizens Bank joined forces to instruct Work First participants in the mechanics of basic consumerism. The seven hours of training consisted of money control practices, budgeting, banking services and decision-making. Of the 26 participants, 20 reported increased efficiency in consumer skills, 8 reported developing a budget, 9 reported positive improvements in the use of banking service, specifically eliminating the occurances of check writing when there are insufficient funds. The last accomplishment alone saved the participants approximately $1080.00
Date: Mon Dec 14 10:58:43 EST 1998
SMP #: 8
Local System: forsyth
Person Reporting: Nita H. Royal


In response to an increasing need for employees to understand work-related retirement planning options, CES's Triad Money Management Center collaborated with EFG Technologies and presented investor education to 74 employees. 48 employees enrolled in their ESOP plan for the first time as a result of the series of classes. 34 changed investment options for a better return over the long term as a result of education attained. 94 percent of participants stated this program reinforced the need for unbiased investor education for employees like they from an investment educator, not a salesperson. Ongoing, indepth investor education among area businesses as EFG Technologies will continue to be a priority for CES.
Date: Mon Dec 14 10:55:43 EST 1998
SMP #: 8
Local System: forsyth
Person Reporting: Nita H. Royal

Many families need affordable housing in order to began asset accumulation and break out of poverty. CES's Triad Money Management Center networked with county housing dept. and Experiment in Self Reliance, Inc. to obtain two Individual Development Account grants to help 30 families save $1000 in two years which is matched by private funds for a downpayment on a house. CES's educator will provide 7-part required economic literacy training for all participants as a result of the partnering efforts with the grants. The economic literacy curriculum has been adopted by NC Dept of Labor's IDA program for use state wide.
Date: Fri Dec 18 15:43:08 EST 1998
SMP #: 8
Local System: newhanov
Person Reporting: Dianne Gatewood

Changes are being implemented for to Medicare education. Many older adults are not aware of then changes, how they will be affected, and the available resources for assistance. A live satellite conference on Medicare Options and Fraud was provided for volunteers at UNCW and 16 other sites in NC on October 29, 1998. As one of the facilitators, collaboration was conducted with 26 volunteers. The program was sponsored by representatives from Medicare, Extension Service, AARP, and the Department of Insurance. Participants made commitments and plans to inform older adults and caregivers. Follow­up will be conducted in January 1999 for implementation. Volunteers commented, this video conference enabled them to better interpret new Medicare guidelines and options. A video was developed by the sponsors for each site to use as a teaching tool for futute volunteer leaders.
Date: Mon Dec 21 14:47:33 EST 1998
SMP #: 8
Local System: durham
Person Reporting: Theresa T. Clark

DSS Work First supervisor informed Durham County Commissioners that their customers are becoming gainfully employed as a result of utilizing knowledge gained in workshops presented by the Cooperative Extension Service. Work First program participants indicated that they feel more confident and prepared to seek employment after participating in Extension programs. Participants reluctant to attend workshops are often eager to return for the next session once they particpate in Personal Presentation sessions. Work First programs are conducted twice a month with an average of 25 participant per session.
Date: Mon Dec 21 16:20:02 EST 1998
SMP #: 8
Local System: forsyth
Person Reporting: Deborah D. Womack

CES in Forsyth Co. continues to work with inmates & parolees located in the detention center & day reporting center on financial management to fit one's budget.33 of the 40 people had never attempted to make a budget.They did not make a plan to spend money and lived from day to day.By attending sessions, the 40 participants learned how to make a budget based on an hypothetical budget plan.Next, persons did relate the information to make a budget based on their needs.20 or 50 percent of the participants did make a budget based on their income, bringing in receipts & paying bills on time.Most of the participants said "that they had not been taught money management at home, but this was helpful."
Date: Mon Dec 21 17:48:54 EST 1998
SMP #: 8
Local System: union
Person Reporting: Gloria Baker

There is a need for rural rental property in the county, and when a local farmer purchases a tract of land for farming purposes, there often is a run-down small house on the property. The agent has assisted the farm owner with remodeling ideas for several of these small houses, thereby producing sustainable income for the farmer and more available and affordable rural housing for county citizens, some of which are Hispanic farm workers.
Date: Mon Dec 21 17:49:10 EST 1998
SMP #: 8
Local System: union
Person Reporting: Gloria Baker

Changes in Medicare options are most often baffling to senion citizens. To assist with knowledgeable decision-making, the agent collaborated with personnel from the Commissioner of Insurance's SHIIP program to disperse educational information about Medicare Managed Care. Approximately 100 citizens received relevant information and became more prepared to "let the buyer beware." This knowledge can save senior citizens hundreds of dollars and help them to resist scams directed at seniors, and general consumer fraud.

Young parents need help with keeping track of their money. 50 participants in parenting classes were taught recordkeeping and budgeting skills. This education will help families to meet their expenses and plan for the future.
Date: Tue Dec 22 15:30:43 EST 1998
SMP #: 8
Local System: davidson
Person Reporting: Katherine Hester

An area meeting was conducted in three sections of the county to discuss the changes in Medicare and the need for individuals to decide if they needed long-term health care insurance. Seventy-seven persons attended. One couple had critical decisions to make due to the husband's immediate retirement and the wife's cancer. They felt the session was excellent and gave them the information which was needed to make an informed decision.
Date: Tue Dec 22 15:31:06 EST 1998
SMP #: 8
Local System: davidson
Person Reporting: Katherine Hester

A three week Home Repair series was conducted for Habitat families that were already in a Habitat house and for the new families securing a habitat home in the next six months. Nine families attended the classses. The sessions covered basic home maintence and repair as will as selection of furniture, case goods, carpet and other items for the home on a budget. A session on lawn care and plants was also included. Reports were that the sessions were very helpful and individuals reported knowing what to look for to make good consumer decisions.
Date: Wed Dec 23 11:46:49 EST 1998
SMP #: 8
Local System: greene
Person Reporting: Shenile Rothwell

Twenty-four Even-Start participants identified personal goals in a four-week money management course (Money In-Money Out) designed to reduce debt load and increase savings. Eighteen participants recieved their credit report for the first time and learned how to read it and twenty percent of the class found errors that were corrected or will be corrected in the following year. Six participants began a savings which totaled $500. Three single parent moms saved $126 in water bills due to lowering their thermostats. They also lowered their water bill by $20 by adding a two-liter bottle to their tank to decrease water levels. Goals were set for 1999 to reduce debt and attain personal items.
to reduce debt by each participant.
Date: Wed Dec 23 10:56:26 EST 1998
SMP #: 8
Local System: lee
Person Reporting: Susan C. Condlin

Limited income families will often choose high fat processed foods, instead of choosing fruits and vegetables. Often there is a lack of knowledge in how to prepare and serve these foods. To encourage WIC families to incorporate fruits and vegetables into their daily diet, the Cooperative Extension service in Lee County, the Sanford Farmers Market, the WIC Department and the NCDA Farmers Market Nutrition Program are working together to provide locally grown produce to families. This year, $5,670 in WIC vouchers were issued to Lee County WIC clients by NCDA to be used at our local Farmers Market. The vouchers along with targeted advertising and other forms of education have encouraged 200 WIC participants to increase their food buying dollars and improve the family diet by purchasing and consuming fresh, locally grown produce from our Farmer's Market.
Date: Tue Dec 29 15:32:20 EST 1998
SMP #: 8
Local System: clevelan
Person Reporting: Nancy Abasiekong

Extension F&CE; agents Lois Owen and Nancy Abasiekong joined Cleveland Community College, Cleveland Regional Medical Center and Shelby Women's Clinic in sponsoring Woman's World '98. The event, held October 24, was the fourth annual health fair designed especially for women. The theme for the 1998 event was "Life in Balance". More than 1,000 women participated in a variety of health screenings (blood lipid profiles, glaucoma, skin cancer, bone densitometry, health risk appraisal) and received follow-up, attended seminars
and visited educational booths. The event also provided an excellent marketing opportunity for NCCES and provided additional opportunities to collaborate with other agencies in working to meet the educational needs of Cleveland County women and their families.
Date: Tue Dec 29 17:42:02 EST 1998
SMP #: 8
Local System: mecklenb
Person Reporting: Hope Hunt

Post Home Buyer education classes became another way to reach audiences with needed information on home maintenance, and home cleaning methods. Through cooperation with the Housing Authority and the Charlotte-Mecklenburg Housing Parnership, groups of new home owners were taught economical and effective methods of home cleaning and individual questions were answered. Each participant was given a resource notebook with Extension brochures and information. As a result, both agencies now plan to utilize Extension information in pre and post home buyer classes in the future.
Date: Tue Dec 29 17:42:16 EST 1998
SMP #: 8
Local System: mecklenb
Person Reporting: Hope Hunt

45 Youth participating in the Summer Sewing programs completed over 125 individual projects, many designed by the students themselves. Some of the projects included, shorts, book covers, a dog bed, jewelry totes, pillows,tote bags, back packs, gym bags, pocket books, and a quilt. A restructuring of the program gave the youth more flexibility in choosing projects - many of them non-garment items. Youth learned a greater varity of skills, appeared to have more fun, and enjoyed the creative aspects of designing their pattern. Classes were economical and fast paced.
Date: Wed Dec 30 14:19:23 EST 1998
SMP #: 8
Local System: anson
Person Reporting: Sharon J. Rushing

Retiring adults become concerned about the later stages of the life cycle. To help this target audience, the Family and Consumer Education agent networked with North Carolina's Department of Health Insurance to provide seven sessions of a "Senior Health Insurance and Information Program." The thirteen participants attended the educational programs about health insurance options and financial planning for retirement.

One participant brought her doctor bills and a list of her financial obligations into one of the sessions. The participants worked together, utilizing the information learned, to create a budget which would help pay off her bills. They also showed her how she could use insurance and other financial resources to save up to $50,000 over the later stages of her life cycle.
Date: Wed Dec 30 15:45:20 EST 1998
SMP #: 8
Local System: guilford
Person Reporting: Shelia M.Dalcoe

Americans lose over $40 bllion per year from falling prey to fraudulent telemarketers. The elderly are prime targets of these criminals. To address this problem a program was implemented by the NC Cooperative Extension Service in Guilford County to help make seniors aware of the various tactics used by unscrupulous telemarketers. 138 senior citizens participated in the program. All reported gaining knowledge that they would utilize in the future to help them recognize telemarketing fraud attempts. Also, 100 percent of the participants reported they had learned the proper manner for reporting suspected telemarketing fraud. And, 80 percent of the participants indicated that they would share the information which they gained from the program with others. One participants summary comments were: "I learned that I am going to have to be on my guard every time I answer my telephone."
Date: Wed Dec 30 15:45:48 EST 1998
SMP #: 8
Local System: guilford
Person Reporting: Shelia M. Dalcoe

One problem often faced by individuals living with AIDS/HIV is a reduction of income due to inability to work and/or reduced work hours. To address this problem, the NC Cooperative Extension Service and the Eastern Triad HIV Consortium planned and implemented a program to address the financial concerns for individuals in Guilford County who are living with or caring for someone living with AIDS/HIV. Twenty-two individuals participated in the program. The participants all reported gaining knowledge of financial options available to them to help better manange their money. Evaluation results indicated that the participants found the information presented on Viatical Settlements to be the most valued part of the program to them. Due to the success of this program, future programs are being planned to address other needs of AIDS/HIV patients.
Date: Wed Dec 30 12:25:24 EST 1998
SMP #: 8
Local System: guilford
Person Reporting: Brenda Morris

Consumers spent $53 billion on home furnishings according the American Manufacturers Association in l997. "It's Spring - Revitalize Your HOme" was targetd toward this segment of the population with practical skills in making wise consumer choices in spending money on home furnishings Sixty-eight participants attended the 3 hour session and all of them reported that they had learned new ideas, information was useful, information will save me money, and that they will put what they learned into practice. The total impact they realized by attending the workshop was over $600.
Date: Wed Dec 30 14:55:02 EST 1998
SMP #: 8
Local System: hertford
Person Reporting: Deborah J. Howard

Working with the Department of Social Services, 68 families have been involved in money management and budgeting training sessions. They all saw the value of having money management plans but 4 families stated they will actually write plans to have better control of family finances. It was a rude awakening to all of them as to how much they were paying for appliances and furniture they were purchasing from rental centers. Twelve families were going to work at becoming more self-sufficient and develop savings plans for big ticket items. A multi-county IDA grant has been written through the cooperation of Centura Bank to help 5 families to start savings plans to one day own a house.
Date: Thu Dec 31 11:45:40 EST 1998
SMP #: 8
Local System: cabarrus
Person Reporting: Doris Y. Rogers

The WFIP (Women's Financial Information Program was conducted for seven weeks with daytime sessions and evening sessions. Thirty eight women participated in the course. Successes expressed from the participants include: set up a financial notebook, obtained a national credit card in the woman's name, revised estate planning tools (wills), updated beneficiaries on insurance policies, set up home record files in fireproof containers. Comments from evaluations are to conduct the course twice a year and have follow-up classes for those who attended in 1998. This was a successful program with many different speakers bringing together financial information that enabled consumers to make more appropriate decisions. The course reached all ages and races of women with a variety of lifestyles.
Date: Thu Dec 31 13:53:59 EST 1998
SMP #: 8
Local System: chowan
Person Reporting: Sharon T. Farless

Chowan County participates in many programs that focus on positive aging such as Aging with Gusto, SHIIP and one a month programs at the Chowan Senior Center in an effort to reach a diverse cross section with educational efforts for those 55 and older. 25 percent or 3790 residents fall into this age group and most are planning for their retirement or have retired without a plan. There is a growing awareness for information related to estate and financial planning as people are living longer and wish to protect their assets. Based on follow­up evaluation from an Aging with Gusto program, 22 of 48 respondents have made or have reviewed their estate plan.
Date: Thu Dec 31 09:23:03 EST 1998
SMP #: 8
Local System: forsyth
Person Reporting: Nita H. Royal

In response to an increasing need for employes to understand work-related retirement planning options, CES's Triad Money Management Center collaborated with EFG Technologies and presented investor education to 74 employees. 48 empoyees enrolled in their ESOP plan for the first time as a result of the series of classes. 34 changed investment options for a better return over the long term as a result of education attained. 94% of participants stated this program reinforced the need for unbiased investor education for employees like they from an investment educator, not a salesperson. Ongoing, indept investor education among area businesses as EFG Technologies will continue to be a priority for CES.
Date: Thu Dec 31 09:23:20 EST 1998
SMP #: 8
Local System: forsyth
Person Reporting: JoAnne J. Falls

The members of the Forsyth County Marketeers, a low income, small business group is busy marketing itmes for supplemental income. The group is a part of the CRD efforts of the Forsyth Cooperative Extension Service and is helping a talented member who has no funds fo publish another book of religious poems and commentaries. The producer is presently on welfare and hopes to become financially independent. The second book will consist of new poems and commentaries and will be copywrited, advertised, and sold locally. There are plans to develop a web site, which will allow selling and advertising on the Internet as well. The Marketeers will also have additional experiences in compiling, editing, and advertising a book.
Date: Thu Dec 31 19:16:33 EST 1998
SMP #: 8
Local System: johnston
Person Reporting: Debbie Stroud

Twenty-one juniors and seniors at North Johnston High School have participated as part of their regular curriculum in the High School Financial Planning Program (NEFE). This comprehensive program is aimed at teaching the students sound financial principals that should be developed into habit. This includes savings, wise use of credit, insurance, goal setting and more. The topics covered have been: applying effective money management, financial record keeping and the pay-yourself-first philosophy, how to
maintain a good credit history and credit card management, car financing and purchasing insurance. All of the students expressed an increase in knowledge and attitude toward their finances.
Date: Thu Dec 31 12:59:19 EST 1998
SMP #: 8
Local System: lenoir
Person Reporting: Lisa Jones

Lenoir County senior adults are at risk for becoming victims of telemarketing fraud. The Attorney General's office has produced a video program directed at educating seniors to reduce the risk of being victimized by telemarketers. Approximately 258 seniors watched this video. As a result of watching the video, most of the seniors say they don't worry about being rude when called-they just hang up.
Date: Thu Dec 31 11:19:39 EST 1998
SMP #: 8
Local System: macon
Person Reporting: Jo Ann Cope

Five limited resource, court-ordered, single mothers and young adults developed money management plans and were able to set and meet goals that enabled them to avoid re-involment with the court system and
keep their families intact. One has succeeded in being accepted for financial aid and will attend community college in 1999.
Date: Thu Dec 31 13:48:07 EST 1998
SMP #: 8
Local System: northamp
Person Reporting: Verlene Stephenson

A very low number of county employees were enrolled in the county's retirement plans. Cooperative Extension, in cooperation with a financial planner, sponsored an educational program focusing on the importance of retirement planning. The participants increased their knowledge and awareness about retirement planning. The participants were motivated to establish a retirement plan or to review the plan already in place. This program was well-received by local county government.
Date: Thu Dec 31 13:48:34 EST 1998
SMP #: 8
Local System: northamp
Person Reporting: Verlene Stephenson

As a result of tax and inheritance law changes, there was a need among farm families to address the issue of estate planning. Participants came from Martin and Bertie counties to a seminar conducted by specialists from the Agricultural and Resource Economics Dept. Participants increased their knowledge and awareness of all areas of estate planning. Participants were motivated to begin the decision making process towards making a plan or they were motivated to review the plan they already had in place.
Date: Thu Dec 31 14:27:59 EST 1998
SMP #: 8
Local System: onslow
Person Reporting: Peggie L. Garner

The Financial Fitness Program continues to grow in numbers in both Craven and Onslow Counties. The program offers financial training to individuals that are responsible for financial information in each of their commands. Some of the team of coordinators that initiated the training in the two counties have left, but the other team members continue to coordinate more trainings. Close to 200 people have been trained in the two years that the trainings have been taught. A national evaluation team has been established by Marine Corps Headquarters in Washington,DC to see how well the trainings have been perceived by the trainees and what changes need to take place.
Date: Thu Dec 31 11:13:56 EST 1998
SMP #: 8
Local System: person
Person Reporting: Bess Hester-Whitt

A request from management of the local federal subsidized housing program resulted in the implementation of a 4-week series on basic family financial management at one of the local community centers. Topics addressed included discussions on value systems, wants and needs, and decision making as related to family finances. Other areas addressed included banking, bill paying and record keeping techniques, advertising and shopping skills. In addition to traveling form a different site to participate in the program, one participant changed her work schedule to actively participate. At the completion of the series, housing residents asked what we could do next indicating a need for further programming in this community and a postive reaction to materials covered.
Date: Mon Jan 4 13:06:47 EST 1999
SMP #: 8
Local System: edgecomb
Person Reporting: Connie A. Sherrill

Homeownership is a challenging goal for limited resource audiences. To address this challenge, the Edgecombe County Cooperative Extension Service collaborated with Habitat for Humanity to offer a series of classes for potential homeowners. The classes provided education on money management, homeownership and home maintenance. The first Edgecombe Habitat home has been completed and the homeowner indicated that the Extension classes provided useful information that would help her be a successful homeowner. The value of the home is approximately $65,000.
Date: Tue Jan 5 21:18:20 EST 1999
SMP #: 8
Local System: rowan
Person Reporting: Amelia J. Watts

Less than 27 percent of women 50+ years are financially secure. Women lack knowledge to adequately plan for a sound financial future. NCCES in Rowan County developed four investment clubs. Purpose: to provide educational knowledge/strategies to improve savings/investments, and to enable improved personal financial confidence. Results: one club's investment return, 39.5%; other return ranges, 21-32%. Monthly 92 members study, research, and
expand knowledge under Extension's guidance. 88 committed people express gratitude for providing a valuable learning experience to "learn to comprehend/apply value lines", "have transferred knowledge to improve family retirement plans", "has opened a new world of interest", "started at ground "0" can now research/analyze and make stock judgements", and "feel much more confident in making family decisions". Members improved family investments. Extension utilizes local/regional resources in program implementation.
Date: Wed Jan 6 10:21:17 EST 1999
SMP #: 8
Local System: yadkin
Person Reporting: Libby Simpson

Yadkin County has a preschool program that incorporates special needs preschoolers with preschool participants who pay a fee to attend. One of the teachers asked me to present a program in November on "Choosing the Right Toy". Along with information on the developmental needs of the child, I emphasized making the best use of available resources. The program was attended by 75 parents, all were new Extension clientele. With slight modifications, I used the same information for a cable television program that reaches 45,000 households. I am again making changes to the program so that it can be used as an EH leader program.
One request for an unplanned program on toys has helped many
people make decisions that will make better use of their
available resources.
Date: Thu Jan 7 14:10:22 EST 1999
SMP #: 8
Local System: buncombe
Person Reporting: Nancy Ostergaard

I have developed a five week Basic Home Maintenance course targeted to first time low income homebuyers. By the completion of the five weeks particpants have learned a myriad of basic home repairs. A participant in the last class had lived in a home for several years and every time it rained one side of the garage would be under water. After attending the Home Maintenance Class they knew how to repair the problem themselves and have had a dry garage since.
Date: Thu Jan 7 14:11:38 EST 1999
SMP #: 8
Local System: buncombe
Person Reporting: Nancy Ostergaard

A Buncombe County homeowner was living in a home where there was a constant problem of the bathtub being slow to drain. After attending my five week course on Basic Home Maintenance they realized the problem was due to not having a vent pipe for the bathtub. From the course they not only determined the problem but were able to make the necessary repairs to have the bathtub drain properly. The course provided the knowledge to save on plumber expenses and improve the use of the bathtub.
Date: Fri Jan 8 14:50:20 EST 1999
SMP #: 8
Local System: cherresv
Person Reporting: Mary Jane Letts

The Cherokee Reservation Extension Office hosted the Area II
Workshop with 65 people in attendance. Many of our local people supplement their income by making mountain crafts. Our workshops have preserved mountain and native American
crafts and culture in our area. Craft making is economic development in our area. During the past year we have had seven workshops. We estimated over 30 thousand dollars has been made by local participants on their sale of crafts.
Many people must depend on craft sales in the winter months
as tourism is our livelihood and during the winter months income is low.
Date: Thu Jan 21 10:39:31 EST 1999
SMP #: 8
Local System: chatham
Person Reporting: Glennie C. Beasley

A follow-up survey five months after a workshop on Budgeting for Home Ownership and Consumer Credit for 19 limited resource individuals and couples revealed the following as a result of attending the workshop:

Twelve percent reported saving $2,850.00, making written goals 3 or more times and achieving a financial goal 4 or more times since the workshop. Twelve percent also wrote to credit reporting bureaus for a copy of their credit report.

Six percent reported reducing debt by $3,800.00. Goals achieved included the purchase of a new home, paying off 4 credit cards and saving that money to build on an addition to their existing house, reducing spending at vending machines, and saving money by buying in bulk.
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