FERM is a statewide effort by Cornell Cooperative Extension to help individuals and families to adopt management behaviors which lead to more secure financial situations and affordable use of resources through education and practice, including:
2018 FERM Program Work Team (PWT) Members
Tom Hirschl, Cornell
Theresa Mayhew, Co-Chair, Columbia & Greene Counties, firstname.lastname@example.org
Barb Henza, Co-Chair, Cortland County, email@example.com
Linda Law-Saunders, Washington County, firstname.lastname@example.org
Nancy Reigelsperger, Steuben County, email@example.com
Vallie Castner, Yates County, firstname.lastname@example.org
Maria DeLucia-Evans, Albany County, email@example.com
Kenneth Earl McLaurin Jr., Tompkins County, firstname.lastname@example.org
Jackie Spencer, Tioga County, email@example.com
Susan McCormick, Orange County, firstname.lastname@example.org
Megan Young, Orange County, email@example.com
Ann Gifford, Community Stakeholder
FERM PWT Mission
The Family Economic Resource Management Program Work Team (FERM PWT) exists to provide professional development support for Cornell Cooperative Extension Educators who assist individuals and households in making informed decisions that enhance their quality of life and financial wellbeing. The work of CCE Educators strengthens decision making skills while helping consumers explore options, set goals, develop and use spending plans, implement saving strategies, and obtain information needed to make informed choices that will meet their specific situations. The PWT also assists in generating and reporting out data that documents the important impact this work has on individuals, families, and communities.
FERM PWT Vision
Cornell Cooperative Extension will be recognized as the leading provider of learning opportunities for individuals and households in the areas of Consumer and Money Management Education.
The Balance Sheet
Stay informed with the FERM newsletter! Produced quarterly, it contains pertinent personal financial news/information and helpful household resource management tips.
The latest version of The Balance Sheet can be found here.
Highlighted Web Resources
Financial Security for Tough Times is a series of web pages on Extension.org that detail positive money management techniques which help families dealing with economic hardship.
The Consumer Financial Protection Bureau's (CFPB) mission is to make markets for consumer financial products and services work for Americans - whether they are applying for a mortgage , choosing among credit cards, or using any number of other consumer financial products. The CFPB offers consumers information and guidance, and a place where they can file formal complaints against financial service providers and products.
The Attorney General of New York State offers a wide variety of information on consumer issues such as used car buying tips, credit and debt management strategies, and things to know before signing oil and gas leases.
My Benefits offers a pre-screening tool to help New York State citizens determine if they may be eligible for certain benefits, such as food stamps.
New York Makes Work Pay provides information on entering or re-entering the workforce for persons with disabilities
The New York State Division of Consumer Protection takes consumer complaints 24 hours a day and offers information on scams, ID theft, product recalls, and more.
The Financial Literacy and Education Commission's comprehensive website is designed to teach all Americans the basics of financial education. Popular topics include planning for retirement, dealing with mortgages, and managing credit and debt.
The Federal Reserve Board's Consumer Information Page explains credit reports and scores and offers a credit card payoff calculator and other financial tools.
20 Money Lessons for Children as They Grow is a site from the President's Advisory Council on Financial Capability. This site offers a poster and suggested activities for each age group identified.
Tips for Protecting Your Privacy and Identity and Recovering From Identity Theft is a website provided by the United States Federal Trade Commission
Last updated August 15, 2018