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  1. Planning for Your Tax Refund

    https://wayne.osu.edu/news/planning-your-tax-refund

    tell me that it’s their way to “save” money; I might challenge you to put a set amount into your ...

  2. 4-H’ers Getting Ready for Fair Starts Now

    https://wayne.osu.edu/news/4-h%E2%80%99ers-getting-ready-fair-starts-now

    out their goals for what learning activities they will complete, and diving into getting started on ...

  3. A Good Night's Sleep

    https://wayne.osu.edu/news/good-nights-sleep

    before they climb into bed.  Having a regular schedule helps them feel secure as they know what to expect ... with sleep patterns. If school or work extends into the evening, look for a screen light filter which ...

  4. Spending Biases

    https://wayne.osu.edu/news/spending-biases

    Aversion: For some people, transferring money into savings seems like they are losing it, or at least losing ... 93% of U.S. workers receive their pay by direct deposit. It is easy to have that deposit split into ... consider?  Remember to break them down into the following manageable steps.  Be specific with the amounts to ...

  5. Early Literacy Skills

    https://wayne.osu.edu/news/early-literacy-skills

    weekend earnings up to five dollars as children progress into later elementary ages. Encourage children to ...

  6. Elder Fraud and Financial Exploitation

    https://wayne.osu.edu/news/elder-fraud-and-financial-exploitation

    is most at risk of elder fraud and financial exploitation? The Ohio Attorney General suggests the ... exploitation? The Ohio Attorney General lists the following as potential warning signs: Unexplained withdrawals ...

  7. Fertilizer Costs Make Manure Look Better

    https://wayne.osu.edu/news/fertilizer-costs-make-manure-look-better

    nitrogen and phosphorus away as leachate, and deposited likely straight into waterways. Note, this practice ... plug them into the following examples). Next, having a manure analysis is important. Manure nutrient ...

  8. Winter Wheat Stand Assessment and Fertilization

    https://wayne.osu.edu/news/winter-wheat-stand-assessment-and-fertilization-0

    manure.  Nitrogen in manure is generally in two forms: a readily available ammonia portion and ...

  9. Adding Value with Beef and Dairy Crossbreeding

    https://wayne.osu.edu/news/adding-value-beef-and-dairy-crossbreeding

    homesteads, but overall, maximum efficiency is reached with dairy cows that convert feed into milk and beef ... cattle that convert feed into muscle (meat). So, why are we discussing the idea of merging beef and dairy ... farmers typically experience discounted payments when they sell livestock into the beef market for failure ...

  10. Grain Bin Safety Week & IPM Scouting Program

    https://wayne.osu.edu/news/grain-bin-safety-week-ipm-scouting-program

    equipment is on, even if the grain is not flowing. Never enter a grain bin alone. If entry into the bin is ... into the worker’s lungs. Do not enter a bin that has automatic unloading equipment without first ...

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