Barbara O’Neill, Ph.D., CFP® Extension Specialist in Financial

Resource Management

Prior RCE Role: 1978-2004

Rutgers Academic Rank

1978: Assistant Instructor

2004: Distinguished Professor

What I Do • Signature Program: SSHW

• Grant-Funded Projects

• Research Interests

• Ongoing “Maintenance” Work

Small Steps to Health and Wealth™

SSHW Elevator Statement Small Steps to Health and Wealth™

encourages participants to make positive

behavior changes to

simultaneously improve

their health and personal finances

Personal Health and Finance Quiz

• Believed to be FIRST combined publicly available online health and personal finance behavioral practice assessment

• IRB approved at Rutgers

http://njaes.rutgers.edu/money/health-finance-quiz/

eXtension Military Families Learning Network Personal

Finance Team

MFLN Personal Finance Project Deliverables

• Webinars • Blogging • Social Media Engagement

Latest MFLNPF Webinar 2015 Personal Finance Year in Review Tuesday, December 1 at 11:00 am EST

This 90-minute webinar will discuss “hot button” personal finance issues in 2015 that will continue to be of interest to consumers and financial practitioners in 2016. Some key topics include increasing rates of personal data hacking and tax refund identity theft, changes in credit scoring, stock market volatility, and continued implementation of the Affordable Care Act. The webinar will conclude with a discussion of strategies to reduce federal and/or state income taxes while there is still time and preview 2016 changes in income tax, estate tax, Social Security, and other government regulations.

NJ Department of Education Grant Funding:

Guaranteed by State Law! http://sebsnjaesnews.rutgers.edu/2014/05/rutgers-designated-new-jersey-financial-education-provider/

NJ DoE Funding Deliverables

• Financial Education Boot Camps • Webinars • Lesson Plans (aligned with state standards)

Financial Education Lesson Plans • Risks and Benefits of Entrepreneurship (85k PDF) • Compound Interest: Your Best Friend or Worst Enemy (106k PDF) • Know the Score: Credit Score Modeling and Impacts (360k PDF) • The Impact of Inflation (128k PDF) • Monetary Transaction Tools (572k PDF)

Other Recent Grants With Libraries

Provided financial education programs and webinars for patrons and/or library staff

Grants to Promote Saving and America Saves Week

• Social Media Engagement

• Webinars

• Online Savings Challenge

Grants With RCE ARMA Department Colleagues

• Annie’s Project-NJ

• Preparing for Later Life Farming

Undergraduate Course • Class Web Site: http://rci.rutgers.edu/~boneill/ • Lots of hands-on application activities

Major Research Interests • Impact of financial education programs

• Evaluation of social media outreach

• Financial practices of U.S. households

• Investment risk tolerance

• Relationships between personal health and finances

RCE Online Quizzes Provide Rich Research Data

Assessment Tools: http://njaes.rutgers.edu/money/

• Financial Fitness Quiz • Identity Theft Risk Assessment Quiz • Investment Risk Tolerance Quiz • Personal Health and Finance Quiz • Personal Resiliency Resources Assessment Quiz • Wise Credit Management Quiz

“Maintenance” Work • Monthly Investing for Your Future message:

http://articles.extension.org/pages/10871/ifyf-monthly-investing-messages

• Monthly Small Steps to Health and Wealth™

message: http://njaes.rutgers.edu/sshw/message/message.asp?p=Finance&m=310

• New Jersey Herald column: 13 times per year • Annual web site updates and edits

Other RCE Extension Specialist Work

• Frequent media interviews (print, radio, TV)

• Frequent tweeting: @moneytalk1

• Twitter chats and Google Hangouts

• Professional training programs

• Public presentation programs

• Lots more. See CV: http://rci.rutgers.edu/~boneill/VITA-06-15.pdf