Feeds:
Posts
Comments

Archive for the ‘Healthy Finances’ Category

Not Today Scammer

As more of life and daily task moves online it feels like scams and phishing are increasing. . . because they are! According to the U.S. Chief Information Officers Council scams and phishing attacks have been on the rise for decades by cyber criminals. As consumers, our first line of self-defense is awareness.

 As we are looking to increase our awareness online it may be helpful to start with an understanding of what a scam and phishing are.

A scam is an attempt to trick someone, usually to steal money or private information.

Thieves may use this information to cyber bully someone, create false documents such as a driver’s license, buy things with others’ money, or get a loan or a job.

Scammers online don’t have to get money from people directly. Instead, these scammers use a variety of strategies to trick people into giving out their private information. This information can be used to access their bank and credit card accounts or other personal accounts. Scammers can even recreate someone’s identity, producing false documents, such as social security cards or driver’s licenses.

An important step in preventing a scam is to avoid giving out personal information.

What kind of personal information might thieves look for?

  • Full Name
  • Date and place of birth
  • Current and previous addresses
  • Driver’s License Number
  • Passport Number
  • Account Numbers
  • Institutions where accounts are held.  
  • Passwords
  • Banking Personal Identification Number
  • Social Security Number

Thieves try and get this information from you by phishing. Phishing is when people send you phony emails, pop-up messages, social media messages, texts, calls, or links to fake websites to hook you into giving out your personal and financial information.  

The best way to avoid a phishing scam is to question any online request for personal information. It’s also good to be skeptical about posts or messages from friends online that seem out of character. That can be a warning sign that their accounts have been hacked. There are clues in these phishing messages to look for. For example, they may include:

  • Require you to verify account information.
  • Contain a Sense of Urgency, saying an account will be closed or something drastic happens if you don’t act quickly.
  • Spelling errors
  • A link in the email or attachment encourages you to use that link or attachment to verify the account.
  • Promises or messages that sound Too Good to be true.
  • A Generic Greeting, such as a friend, account holder, or customer.

You can protect yourself from scams and phishing by:

  1. Avoid opening the message in the first place.
  2. Don’t click on any links or download any attachments; they might contain viruses or spyware.
  3. Set your social media accounts to private.
  4. Don’t reply to a message or email. Instead, delete and block.
  5. Mark it as “junk” or “spam” or report it on your social network site.
  6. Take the time to know what a credible website looks like.

If you are concerned about an account you have with a company, contact their customer service directly by phone.

 

Written by: Alisha Barton, Family and Consumer Sciences Educator, Ohio State University Extension Miami County.

Reviewed by:  Amanda Bohlen, Family and Consumer Sciences Educator, Ohio State University Washington County.

Sources:

4 ways to differentiate a good source from a bad source. UTEP. (n.d.). Retrieved January 20, 2023, from https://www.utep.edu/extendeduniversity/utepconnect/blog/march-2017/4-ways-to-differentiate-a-good-source-from-a-bad-source.html#:~:text=Check%20the%20domain%20name,in%20an%20attempt%20to%20mislead.

National Cybersecurity Awareness Month : Phishing attacks. National Cybersecurity Awareness Month : Phishing Attacks | CIO.GOV. (n.d.). Retrieved January 20, 2023, from https://www.cio.gov/2021-10-12-National-Cybersecurity-Awareness-Month-Phishing-Attacks/

What are some common types of scams? Consumer Financial Protection Bureau. (n.d.). Retrieved January 20, 2023, from https://www.consumerfinance.gov/ask-cfpb/what-are-some-common-types-of-scams-en-2092/

Read Full Post »

The board game called LIFE was originally created in 1860 by Milton Bradley. The game simulates a person’s travels through their life, from early adulthood to retirement, with college if necessary, jobs, marriage/companionship, and possible children along the way.

As we all travel the journey of life, we all make decisions to fill our needs and wants. Filling our needs and wants requires MONEY, and each decision has costs associated with fulfillment. We call this the opportunity cost of a decision. Each time we make a decision to spend or save MONEY. We also make a decision to NOT spend or save for something else.

Americans live and work in a market economy that demonstrate the six characteristics in the image below:

  1. Private property
  2. Freedom of choice
  3. Motive of self-interest
  4. Competition
  5. System of markets and price
  6. Limited government
characteristics of a market economy infographic

Healthy Finances refer to a state of financial well-being.  A team of researchers assembled by the Consumer Financial Protection Bureau (CFPB) suggests financial well-being can be defined as a state of being where you: 

  1. Have control over day-to-day, month-to-month finances 
  1. Have the capacity to absorb a financial shock 
  1. Are on track to meet your financial goals 
  1. Have the financial freedom to make the choices that allow you to enjoy life.

Now is a good time to identify what your emotions are around money.

Use a notebook or journal to write about three money decisions you made within the past four weeks.  Next, go back and reread what you wrote and circle the words that describe the emotions you experienced in the decision-making process.   

Whatever the emotions, make space for them and acknowledge what they’re telling you. Make time to learn from them and decide which ones to let go as you move forward on life’s journey.

Author: Margaret Jenkins, Family and Consumer Sciences Educator, OSU Extension Clermont County

Reviewer: Mackenzie Mahon, 4-H and Family and Consumer Sciences Educator, OSU Extension Clermont County

References 

  1. Consumer Financial Protection Bureau (2014). Financial Literacy Annual Report. http://www.consumerfinance.gov/reports/financial-literacy-annual-report-2014/
  1.  Melnyk, B.M. & Neale, S. (2021). 9 dimensions of wellness: Evidence-based tactics for optimizing your health and well-being. The Ohio State University. https://wellness.osu.edu/sites/default/files/documents/2021/05/9%20Dimensions%20of%20Wellness%20Digital.pdf

Read Full Post »

The holidays were always a big event in my family with lots of food, fun and family togetherness. I never realized how much time and effort it took my parents to get ready for the holidays until I had a family of my own. The weeks leading up to the holidays can be stressful, so here are three simple ideas I do to help prepare and I hope it helps you too.

Declutter and Clean

Over the course of a year, we gather a lot of junk that takes up space. Before cleaning, consider purging instead of jumping right into cleaning. During November, I take time each day (only 20 minutes a day) to declutter my desk, small closets, and even the refrigerator to make room for holiday foods. Seeing a clean space feels very motivating! Once decluttering is done, let the cleaning begin! You don’t have to tackle everything but basis like dusting, vacuuming, and cleaning the toilets can be done in a short amount of time.

In the Kitchen

The kitchen usually becomes more important during the holidays since we spend time baking and cooking. If you will be preparing this holiday season, consider making a menu, then create a list of everything you need before making a trip to the grocery store, saving both time and money. Check your cupboards to see what items you already have! For more tips on planning for the holidays, here is a great, 30-minute webinar.

Decorating Main Spaces

Finally, it’s time to decorate! I tend to feel overwhelmed with this task and began decorating only the main living and dining areas. The bedrooms usually get a holiday throw pillow or blanket and a candle. In the kitchen I use seasonal dish towels and placemats. And of course, my holiday wreath on the front door!

The weeks ahead can be hectic. Following these simple tips and being mindful of your time beforehand can help ensure that you will be able to enjoy your family time together.

Written by Shari Gallup, Assistant Professor, Ohio State University Extension, Licking County, gallup.1@osu.edu

Reviewed by, Beth Stefura, Family and Consumer Sciences Educator, Ohio State University Extension, Mahoning County, Stefura.2@osu.edu

Sources:

Barledge, L., Gallup, S., Lowe, J. (2022). Webinar. Set the Table: Plan for Both Wellness and Savings. Webinar: https://go.osu.edu/giftsweb2.

Carter, S. (2017).  Stretch Your Time and Money This Thanksgiving. https://livehealthyosu.com/2017/11/13/stretch-your-time-and-money-this-thanksgiving/

Center for Disease Control. https://www.cdc.gov/mentalhealth/stress-coping/cope-with-stress/

Marrison. E. (2021). Homemade Cleaners: Healthy, Wealthy, and Wise. https://livehealthyosu.com/2021/11/01/homemade-cleaners-healthy-wealthy-wise/

Read Full Post »

…make lemonade!

In other words, don’t throw it out just yet! Fruit during any season can quickly overripe and end up in the trash…but don’t throw out the lemon (or fruit) just yet (unless it is moldy of course)! With the high cost of food, this summer I challenged myself to throw out less food, especially fruit, to learn to be more sustainable. I learned that it only takes a few minutes to turn overripe fruit into usable, edible food.

Here are 5 of the easiest (less than 10 minutes) ideas for using up fruits that are past their prime.

  1. Freeze that fruit! Freezing will stop the fruit from ripening any further, so you don’t have to toss it in the trash! If you freeze overripe fruit it can be used at a later time in smoothies or other recipes. Just peel (if needed), chop and freeze!
  • Make fruit roll ups. This is the easiest idea after freezing! Making fruit leathers or “fruit rolls ups” is easier than you think and healthier without the added sugar. All you need to do is puree the overripe fruit (blender or bullet works great) until liquid, then pour onto a rectangle cookie sheet lined with parchment paper, bake at 225 degrees for 4-5 hours and wala…a fruit roll up! The cooking times will vary depending on thickness and your oven. To finish, use a pizza cutter to cut into strips and then store in a container.
  • Toss in a crock pot! Tossing overripe fruit into the crock pot instead of the trash can, which could easily turn into chunky applesauce, peach cobbler or a healthy dessert with very minimal time and effort.
  • Make jams or jellies. Did you now that it only takes four ingredients to make uncooked jam. These include fruit, sugar, pectin and water! No cooking necessary! I made jam this week using overripe strawberries and here is the recipe I used from Ohio State University Extension who provide evidenced based recipes, fact sheets and 30 minute webinars on food preservation.
  • And finally, bake a fruit crisp or crumble! This easy and delicious dessert can be made in a few minutes with only a few ingredients. There are many recipes available, yet basically you would just slice the overripe fruit, place on the bottom of a pan then add the “crumble” on top of fruit (a combination of oatmeal, flour, sugar, spices, and butter) and bake! This can also be easily made into a gluten free dessert by using almond or oat flour!

So, when life does give you lemons…now you’ll know exactly what to do … and see that something good can come from it 😊.

Be well,

Shari

Written by Shari Gallup, Assistant Professor, Ohio State University Extension, Licking County, gallup.1@osu.edu

Reviewed by, Beth Stefura, Family and Consumer Sciences Educator, Ohio State University Extension, Mahoning County, Stefura.2@osu.edu

References:

Jams. Jellies and Other Fruit Spreads: https://ohioline.osu.edu/factsheet/HYG-5350

Making Fruit Leathers: https://ohioline.osu.edu/factsheet/hyg-5361

Selecting storing Serving Ohio Produce: https://fcs.osu.edu/sites/fcs/files/imce/PDFs/Selecting_Storing_Serving_series_published_2021.pdf

Sustainability. Family and Consumer Sciences Ohio State University Extension. https://fcs.osu.edu/programs/resources/sustainability

Read Full Post »

Take steps to explore your financial well-being

The OSU Extension Accounting for Your Money Hope Chest was released July 7, 2020, in the midst of the global pandemic and updated April 1, 2022 to address emergent global economic upheaval.  What is a Hope Chest? Historically, the term hope chest symbolized hope in a marriage or union…key words include vessel and a symbol of hope. The update contains current research to “help people help themselves” by aligning spending and saving within our control.

The past 26 months have taxed individuals and family’s financial wellness. It makes sense to explore the status of our financial well-being.  The Consumer Financial Protection Bureau developed a tool to gauge individuals financial well-being.  The research was led by a team from the Corporation for Enterprise Development (CFED).  The research team suggests financial well-being is defined as a state of being where you:

§ Have control over day-to-day, month-to-month finances
§ Have the capacity to absorb a financial shock
§ Are on track to meet your financial goals
§ Have the financial freedom to make the choices that allow you to enjoy life

Because individuals and family’s value different things, traditional economic measures such as income or net worth do not capture the emergent aspects of financial well-being today. We must dive deeper, as the quality of our lives is largely determined by the choices we make.  By becoming aware of how to make choices that are best for you and others, you can become what is known as a self-forming person.

Self-forming people are those who take responsibility for their own lives.  They craft their futures by the actions they take and the choices they make.  Self-formation is a lifelong process of maturing and developing thinking skills. It develops as you interact with others, deciding what is most important to you, and taking action that is best for yourself and others.

Now click on the Financial Well-Being questionnaire tool, answer the 10 questions, and tally your score. Then use the information you learned about yourself to assist you when you take the first steps to prioritize your spending separating your needs from your wants. Click here to begin.

Below is the link for the Accounting for Your Money Hope Chest tool to help you develop and move forward with your state of self-formation and financial wellness. 

Click image to access the complete Hope Chest

Written by Margaret Jenkins, Assistant Professor, Family and Consumer Sciences, OSU Extension Clermont County

Reviewed by Mackenzie Mahon, Extension Educator, 4-H/FCS, OSU Extension Clermont County

Sources: 

  • A Sorgente, M Lanz – International Journal of Behavioral …, 2019 – journals.sagepub.com.  The multidimensional subjective financial well-being scale for emerging adults: Development and validation studies
  • Consumer Financial Protection Bureau, (2022) Your Money Your Goals. at consumerfinance.gov/practitioner-resources/your-money-your-goals
  • J.F Laster – Journal of the Japan Association of Home Economics …, 2008 – jstage.jst.go.jp… Journal of the Japan Association of Hemc Economics Educution50(4) (2008.t Nurturing critical literacy through practical problem solving

Read Full Post »

Have you ever had a difficult time canceling an online account or subscription service? Maybe the ‘unsubscribe’ or ‘cancel’ button was hard to find, or you had to answer several questions first before being able to finally cancel?

Computer screen

These practices are known as “dark patterns” and they are becoming increasingly common on a variety of websites. Dark patterns are deceptive strategies used by businesses to manipulate the decisions made by their online customers. This may result in consumers spending more money than they had anticipated, signing up for services they do not want, or spending more time and attention on a website than they intended. Several groups are advocating for the removal of dark patterns since they can make navigating the internet more difficult for individuals who speak English as a second language as well as individuals who have less experience using online commerce. Unfortunately, dark patterns sit on the edge of legality, making it difficult for lawmakers to pass legislation against these practices.

Several different types of dark patterns have been identified since 2010, such as:

  • Friend Spam – A website will ask you for permission to access your contact list (usually under good pretenses) but will then send messages to your friends claiming to be from you.
  • Trick Questions – Questions that trick you into giving an answer you did not mean to give, or a question that is worded in a confusing way.
  • Disguised Ads – Advertisements that look like a part of the website content or navigation, in order to get you to accidentally click on them.
  • Confirm Shaming – Websites that make a user feel guilt or shame when selecting an option other than what the company desires.
  • Roach Motel – Websites that allow you to sign up for their services easily, but are then very difficult to unsubscribe from.

How can you avoid falling into these traps? The best way to avoid dark patterns is to slow down and read carefully before signing up for a subscription or purchasing a product. Federal and state governments are slowly addressing dark patterns as well – California recently added regulations to the “California Consumer Privacy Act” that prohibit companies from using some misleading means. 

Consumer Reports has also created the “Dark Patterns Tip Line,” where consumers can submit screen shots of dark patterns they have encountered on the web. Launched in 2021, the tip line now contains a multitude of real-life examples others have encountered.

What are some dark patterns you have experienced?

Sources:

Reicin, E. (2021). Understanding Dark Patterns: How to Stay Out of the Gray Areas. BBB National Programs. https://bbbprograms.org/media-center/blog-details/insights/2021/05/19/dark-patterns

Deceptive Design. Types of Deceptive Design.  https://www.deceptive.design/types

Dark Patterns Tip Line.  https://darkpatternstipline.org/

Germain, T. (2021). New Dark Patterns Tip Line Lets You Report Manipulative Online Practices. Consumer Reports. https://www.consumerreports.org/digital-rights/dark-patterns-tip-line-report-manipulative-practices-a1196931056/

Author: Jessica Lowe, Family and Consumer Sciences Educator, Ohio State University Extension, Pickaway County, lowe.495@osu.edu

Reviewer:  Misty Harmon, Family and Consumer Sciences Educator, Ohio State University Extension, Perry County, harmon.416@osu.edu

Read Full Post »

Let’s focus on Financial Wellness for a minute! 

Are you one of the almost three in four Americans surveyed recently by the American Psychological Association who said they are experiencing financial stress? Financial stress can affect people physically, emotionally, and psychologically and result in unhealthy coping behaviors.

Financial wellbeing includes being fully aware of your financial state and budget and managing your money to achieve realistic goals. When you analyze, plan well, and take control of your spending, you can make significant changes in how you save, and ultimately how you feel resulting in living a more hopeful life. 

Ohio State University Extension designed an Accounting for Your Money Hope Chest to “help people help themselves” as we work to achieve financial wellness during this time of rapid social and economic change. Managing and controlling our spending and saving is needed to build hope and manage emergent financial stress.

The purpose of the Hope Chest is for individuals and families to –

  • Prioritize spending by separating needs from wants
  • Identify realistic/SMART goals
  • Gather current financial spending and saving information
  • Locate emergency resources
  • Analyze their current budget
  • Develop a “new” Accounting for Your Money calendar
  • Take control of spending resulting in more saving for family goals

Work through the steps of the Accounting for Your Money Hope Chest with your family members and/or co-spenders as you and your family adjust to changing basic needs and wants. Determine how to best spend your money during this period of rapid social and economic change. Your family will be empowered to meet the new challenges brought about by the change, reducing financial emergencies and easing future financial stress.

Written by Margaret Jenkins, Assistant Professor, Family and Consumer Sciences, OSU Extension Clermont County

Reviewed by Nannette L. Neal, Extension Educator, Agriculture and Natural Resources, OSU Extension Clermont County

Sources: 

Read Full Post »

As we age there are many important things to consider. One of those important considerations is living arrangements. With the aging of America, the retirement living industry has grown exponentially over the past decade providing the seniors of today and tomorrow a vast variety of housing and care options. Understanding the housing choices that are offered can make your selection easier.

The first option is continuing to live at home. As with any other critical decision, you should think about the benefits and challenges of living at home. Some benefits may include being surrounded by friends and family in a familiar setting. Some challenges may include needing outside help with everyday tasks and feeling isolated and lonely.

If you choose to stay at home, think about possible modifications that can be done around your house to make your later years of life easier. This concept of making the home more accessible and safer is called Universal Design. The Virtual Universal Design Tour can show you ideas on modifications that can be made to your home.

The next option is to move to an outside facility. There are various types of settings depending on your desires and needs. Understanding the various options is important to help guide your decisions. Here is a brief overview of housing options for older adults:

Active Adult Communities – offer services and amenities aimed at giving residents a more carefree lifestyle, while also providing social engagement opportunities of all kinds.

Independent Living -refers to a way of life in residential communities designed specifically for those who have reached or are nearing retirement age, but want to remain active and independent.

Assisted Living – is a communal way of life designed for seniors who need help with various daily tasks like grooming, bathing, and medication management, but still wish to remain as independent as possible.

Skilled Nursing Care – provide skilled nursing care, a level of care provided by a registered nurse who monitors a patient’s health and administers treatment around-the-clock.

Residential Care Homes – provide individualized service, often in a standard single-family home. These houses have been modified to accommodate the needs of seniors, and are generally licensed by the state for only two to six beds. Similar to assisted living, residents receive 24-hour care and assistance with activities of daily living, including medication management, housekeeping services, transportation to doctor’s appointments as needed, meals, and social programs.

Continuing Care Retirement Community (CCRC) – offers several different senior living options or care levels all on one campus. It provides a peace-of-mind guarantee of care to residents for the rest of their lives.

Long-Term Care – refers to any community that provides 24-hour care on a long-term basis. Assistance generally includes regular supervision, help with activities of daily living as needed, medication reminders, housekeeping, meals, and social activities.

Memory Care – long-term care that helps those with dementia of Alzheimer’s disease. Memory care is either offered at a stand-alone community, or as an add-on service at some assisted living facilities, Continuing Care Retirement Communities, and nursing homes.

Housing decisions are unique to everyone and will depend on personal preferences, financial resources, and care needs. The National Association of Area Agencies on Aging offers A Guide for Making Housing Decisions that provides more detailed information for housing options for older adults.

Written by: Kathy Tutt, Family and Consumer Sciences Educator, Ohio State University Extension, Clark County

Sources:

National Association of Area Agencies on Aging, Housing Options for Older Adults: A Guide for Making Housing Decisions, retrieved from: https://www.usaging.org/files/HousingOptions.pdf

Prosch, T. (2014). The Other Talk: A Guide to Talking with your Adult Children About the Rest of Your Life. United States: McGraw-Hill Education.

Read Full Post »

Spring is one of my favorite seasons. It represents a restart with fresh beginnings.  Spring cleaning may look different for each person and may include deep cleaning your house, preparing your garden, washing windows, and it can also mean spring cleaning your finances.

Spring cleaning your finances can provide a fresh look at your financial situation and help clean up some financial messes with your money. Here are four places to start:

dollar bills planted in fresh soil

Spring Clean Your Spending Plan: Now is a great time to adjust your spending plan. Is your current money flow where you want it to be? If you are not sure, begin by writing each and every expense on a calendar or journal for a week or a month. Observe where your money is being spent and how much is being spent. Then adjust your spending (one less coffee a week) or adjust your budget (add money to your eating out budget and reduce entertainment) to make it fit your goals.

Spring Clean Your Recurring Monthly or Subscription Payments: These are the payments that are set up to withdraw funds from an account or your credit card each month. A recurring monthly payment may be a cable bill, car payment, or student loan payment. Subscription payments are automatic and typically on an annual or monthly schedule. Subscriptions may be an annual fee for shopping discounts to a favorite store, a car wash pass, or a fitness club membership. Each fee continues until you cancel it.  First, consider if you are still using or needing the subscription. If you are paying $30 a month for a gym membership, yet in the past three months you’ve only found 2 opportunities to go, your cost per workout is $45. Or perhaps you no longer visit a store that one time was a favorite, but still pay the $25 annual fee for their store discount.

Spring Clean Your Credit: Take each loan and credit card you currently have and list the amount owed (not the monthly payment or minimum payment) and the interest rate being paid. If that list surprises you, it may be time to clean up the situation.  Work on paying down those balances with a debt snowball method or a debt avalanche method.  A debt snowball pays the smallest debt with every extra dollar possible until it is paid off, then proceeds to the next smallest debt with the additional available money. It snowballs into a larger and larger payment with fewer and fewer debts.  The debt avalanche method tackles repayment on debts starting with the highest interest rates. Once one is paid off the next highest interest rate loan can be paid with money previously allocated to the previous loan and the current loan.  The avalanche continues until debts are all repaid.

Spring Clean Your Wallet: Your wallet may represent your daily connection to money transactions. According to Experian, Americans carry an average of 3.84 credit cards which is down from 4 previous to the pandemic.  In your wallet, do you have credit cards you no longer use? Now is a good time to remove or discard them. Make sure you have your remaining cards inventoried with contact information of whom to contact if they are lost or stolen.  Also, while cleaning your wallet look for gift cards that may carry balances.  Over half of Americans carry unused gift cards and nationally have a balance of over $21 billion. Find your cards and be intentional about using, regifting, donating, or cashing in the balance.

Where will you start? Spring clean your finances one project at a time and enjoy the reward of money well spent and even better saved.

Written by: Melissa J. Rupp, Extension Educator Family and Consumer Sciences, Fulton County

Reviewed by: Emily Marrison, Extension Educator Family and Consumer Sciences, Coshocton County

Sources:

Adamczyk, Alicia. “Half of Americans have unused gift cards, and it’s costing them over $21 billion” 18 Feb 2020, CNBC Make It, https://www.cnbc.com/2020/02/14/americans-have-over-21-billion-in-unused-gift-cards-and-store-credits.html

Stolba, Stefan Lembo. “What Is the Average Number of Credit Cards per US Consumer?” 8 Apr 2021, Experian, https://www.experian.com/blogs/ask-experian/average-number-of-credit-cards-a-person-has/  

Tardi, Carla. “Debt Avalanche Definition.” 5 Aug 2020, Investopedia, https://www.investopedia.com/terms/d/debt-avalanche.asp

Picture Credit: https://pixabay.com/photos/money-grow-interest-save-invest-1604921/

Read Full Post »

fresh strawberries and flowers

Join the “Spring Into Wellness” Email Challenge Now!

Challenge Dates: April 4 – May 15, 2022

Topics Covered:

  • Financial Wellness
  • Social Wellness
  • Intellectual Wellness
  • Creative Wellness
  • Environmental Wellness
  • Emotional Wellness
  • Physical Wellness
  • Occupational Wellness
  • Spiritual Wellness
  • Balance

What is the cost? It’s FREE!!

Who can participate? Any adult with an email account.

How do I sign up? Look at this chart and find your county. Go to the link beside your county and register before March 28, 2022.

County Registration Link
Belmont go.osu.edu/LHLWBelmont
Brown go.osu.edu/LHLWclermontbrown
Butler go.osu.edu/LHLWButler
Carroll go.osu.edu/LHLWCarroll
Champaign go.osu.edu/LHLWChampaign
Clark go.osu.edu/LHLWClark
Clermont go.osu.edu/LHLWclermontbrown
Coshocton go.osu.edu/LHLWCoshocton
Darke go.osu.edu/LHLWdarmerpreb
Defiance go.osu.edu/LHLWnwohio
Fairfield go.osu.edu/LHLWFairfield
Franklin go.osu.edu/LHLWFranklin
Fulton go.osu.edu/LHLWnwohio
Hancock go.osu.edu/LHLWHancock
Hardin go.osu.edu/LHLWHardin
Henry go.osu.edu/LHLWnwohio
Hocking go.osu.edu/LHLWFairfield
Holmes go.osu.edu/LHLWHolmtusc
Knox go.osu.edu/LHLWKnox
Licking go.osu.edu/LHLWLicking
Lucas go.osu.edu/LHLWLucas
Mahoning go.osu.edu/LHLWMahoning
Medina go.osu.edu/LHLWMedina
Mercer go.osu.edu/LHLWdarmerpreb
Monroe go.osu.edu/LHLWMonroe
Morrow go.osu.edu/LHLWMorrow
Ottawa go.osu.edu/LHLWOttawaSandusky
Paulding go.osu.edu/LHLWpauputvw
Perry go.osu.edu/LHLWPerry
Pickaway go.osu.edu/LHLWPickaway
Pike go.osu.edu/LHLWPike
Preble go.osu.edu/LHLWdarmerpreb
Putnam go.osu.edu/LHLWPauputvw
Ross go.osu.edu/LHLWRoss
Sandusky go.osu.edu/LHLWOttawaSandusky
Trumbull go.osu.edu/LHLWTrumbull
Van Wert go.osu.edu/LHLWPauputvw
Warren go.osu.edu/LHLWWarren
Washington go.osu.edu/LHLWWashington
Williams go.osu.edu/LHLWnwohio
Wood go.osu.edu/LHLWWood

If your county isn’t listed, you may register with this link:

go.osu.edu/lhlwopen

For more information, contact Lisa Barlage, barlage.7@osu.edu or Roseanne Scammahorn scammahorn.5@osu.edu. 

Spring into Wellness with Extension!

Sponsored by Ohio State University Extension

Read Full Post »

Older Posts »