SelectedWorks - Cynthia Fletcher

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Selected Works of Cynthia Fletcher

Professor of Human Development & Family Studies

Cynthia Fletcher is a professor and extension specialist in the department of human development and family studies who specializes in consumer economics.

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About Cynthia Fletcher

Cynthia Fletcher is a professor and extension specialist in the department of human development and family studies who specializes in consumer economics.

Present	Professor, Iowa State University ‐ Department of Human Development & Family Studies
Institution Organization Position Type Position Title Time Period to Options Current Position Affiliate my profile with this Institution

Human and Clinical Nutrition and Other Life Sciences

2019 Women Impacting ISU 2020 Calendar. Carrie Chapman Catt Center for Women and Politics, Iowa State University.
2012 Distinguished Fellow, American Council on Consumer Interests
2012 First Prize Research Poster, American Council on Consumer Interests
2011 Warning, J., Fletcher, C.N., & Freeman, R. National Institute for Food and Agriculture (NIFA) Partnership Award for Multistate Efforts.

66 LeBaron

626 Morrill Rd

Ames, IA 50011-2100

Phone: 515-294-8521

Fax: 515-294-1908

Email:

Peer-Reviewed Articles (4)

Recent Works

Do You Know What You Owe? Students' Understanding of Their ...

Journal of Student Financial Aid (2014)

Emily A. Andruska, Jeanne M. Hogarth, Cynthia Needles Fletcher, Gregory R. Forbes, et al.

Using a data set that augments a student survey with administrative data from the Iowa State University Office of Financial ...

Tracking the Transition from Welfare to Work

Journal of Sociology & Social Welfare (2008)

Cynthia Fletcher, Mary Winter and An-Ti Shih

One of the primary goals of the 1996 federal welfare reform legislation was to reduce dependency on cash transfers and ...

The Potential of the Public-Private Partnership in Outreach

Journal of Public Service and Outreach (1997)

Cynthia Fletcher, Jeanne M. Hogarth and Jane Schuchardt

In the inaugural issue of the this journal, the late Ernes Boyer wrote eloquently about the responsibility of higher education ...

Families in Transition: Four Case Studies

Journal of Home Economics (1978)

Karen E. Craig, Cynthia Needles, Sarah L. Manning and Sandra Helmick

Most of us are aware that the structure of American families is changing. With these changing family forms come new ...

Contribution to Book

Consumer Finances of Low-Income Families

Handbook of Consumer Finance Research. Editor: Jing Jian Xiao (2016)

Robert B. Nielsen, Cynthia Fletcher and Suzanne Bartholomae

The Great Recession, and the slow recovery afterward, affected families from all socioeconomic strata. However, low-income families were hardest hit ...

Contribution to Book

Children, Rural Poverty, and Disability: Case Studies from the Heartland

Child Poverty in America Today: Health and Medical Care. Barbara Arrighi and David J. Maume, Jr. (eds.) (2007)

Cynthia Fletcher and Mary Winter

About 1 in 5 Americans (17%) live in rural areas. A careful study of rural areas reveals a great deal ...

Contribution to Book

Small Towns and Welfare Reform: Iowa Case Studies of Families ...

Rural Dimensions of Welfare Reform (2002)

Cynthia N. Fletcher, Jan L Flora, Mary Winter and Jacquelyn S. Litt

Since passage of the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA) in 1996, public discussion of welfare reform and ...

Managing Farm Family Finances

Human Development and Family Studies Extension and Outreach Publications (2020)

William Edwards and Cynthia Fletcher

With farm income being both irregular and unpredictable, knowing how much money to spend each month can be a challenge. ...

Financial Literacy Lesson Plans - Grades K-5

Human Development and Family Studies Extension and Outreach Publications (2019)

Cynthia Fletcher

This curriculum provides four lessons for each grade level, K-5 to address Iowa's financial literacy content standards. Most lessons use ...

Planning to $tay Ahead

Human Development and Family Studies Extension and Outreach Publications (2018)

Cynthia Fletcher and Pat Swanson

An 8.5" x 11" booklet that outlines a step-by-step method to develop a spending and savings plan.Listen to tips on ...

Small Change: Building Financial Security

Human Development and Family Studies Extension and Outreach Publications (2018)

Cynthia Fletcher

Small Change: Building Financial Security is a personal finance course developed by ISU Extension and Outreach for city and county ...

The Spending Game

Human Development and Family Studies Extension and Outreach Publications (2009)

Cynthia Fletcher

Managing money means making choices. This game will help you decide what is most important to you among categories like ...

Getting Organized -- Personal and Financial Records

Human Development and Family Studies Extension and Outreach Publications (2008)

Cynthia Fletcher

Can you find key information when you need it?Would someone else be able to find essential information if you were ...

Buying a House -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2008)

Cynthia Fletcher, Mary Yearns and Pat Swanson

This publication and worksheet explore the advantages and disadvantages of home ownership and the costs that are involved. You can ...

Saving and Investing -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2008)

Cynthia Fletcher

Saving money so it is available for emergencies and short-term goals is the first step of success money management. Investing ...

Credit and Analyzing Your Debts Worksheet -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2007)

Cynthia Fletcher

This publication will help you understand when and how much to borrow, give you tips on how to shop for ...

Estate Planning -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2007)

Cynthia Fletcher and Neil Harl

This publication can help you develop your estate plan by providing details on the process and explaining legal guidelines.

Income Taxes -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2007)

Cynthia Fletcher

A little time and effort can pay handsome dividends. This publication will help you spot tax overpayments and learn to ...

Owning a Car -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2006)

Cynthia Fletcher

Most families spend more on transportation than on any other expense category. This publication can help you make wise decisions ...

Health and Disability Insurance with Shopping Worksheets -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2005)

Cynthia Fletcher

Learn more about health and disability insurance options and how best to shop for them. Includes worksheets to help you ...

Life Insurance -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2005)

Cynthia Fletcher

Life insurance protects your family’s financial resources when you die. Learn tips on buying life insurance, how to estimate your ...

Home Insurance -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2005)

Cynthia Fletcher

In case of disaster, buying home insurance is one way to protect yourself against having to risk replacing your home ...

Spending Plans and Worksheet -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2004)

Cynthia Fletcher

A spending plan is a tool to manage your money. Making a spending plan involves setting long- and short-term goals, ...

Communication -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2004)

Cynthia Fletcher

Talking about money isn’t easy but this publication has tips to start your family communicating. Also includes a plan to ...

Record Keeping -- Money Mechanics

Human Development and Family Studies Extension and Outreach Publications (2004)

Cynthia Fletcher

Record keeping can help you keep a close tab on your spending habits, manage your family’s daily financial responsibilities, and ...