Secrets of Smart Car Buying
Dr. Michael Gutter and Elaine Courtney will present Secrets of Smart Car Buying, focusing on issues with financing, making a smart purchase and information on the lending process in this 90-minute presentation on behalf of the Military Families Learning Network. Supporting event resources are available below.
Michael Gutter, Ph.D. is an Associate Professor, Interim Family and Consumer Sciences State Program Leader, and Financial Management State Specialist for the Department of Family, Youth, and Community Sciences, in the Institute for Food and Agricultural at the University of Florida. His BS is in Family Financial Management and his PhD is in Family Resource Management from The Ohio State University with a specialization in Finance. Gutter currently explores how financial education and financial socialization are related to financial capability. His Extension Programming includes the Florida Master Money Mentor Volunteer Program, Florida Saves, and Fresh$tart Florida. He recently won Outstanding Conference Paper Award for the 2010 Association for Financial Counseling and Planning Education. The common theme that connects Dr. Gutter’s Research,
Teaching and Outreach is helping households achieve financial security. His projects focus on enabling access to
resources and services as well as improving people’s knowledge and
understanding about family resource management. These projects have had funding
from the Consumer Federation of America and Bank of America.
County, Florida Extension agent Elaine Courtney has extensive experience teaching
financial management, nutrition education and volunteer development programs. She received a B.S. and M.S.
degrees from Florida State University, has done post graduate work at
University of Minnesota and University of West Florida. She is a member of the Association of
Financial Counseling, Planning and Education and is an Accredited Financial
Counselor. Employed for 30 years with
the University of Florida Extension Program in Okaloosa County (faculty member;
ranking IV). Her primary responsibilities are in the areas of Family
Economic Stability; Nutrition and Health; and Volunteer Development. She
is the coordinator of the Okaloosa Saves program and helped begin the Military
Saves program. She works closely with
the military and has personal experience as a military spouse. For the last seven years, she has co-taught
the Eglin AFB First Term Airman Class (FTAC) section on personal finance. She has served as co-chair of
the University of Florida/IFAS Extension Focus Team for Financial Stability;
UF/IFAS Tenure and Promotion Board 2008-2010; and on the America
Saves/USDA-NIFA Extension Leadership Team. Received numerous awards from
professional organizations, including FEAFCS Distinguished Service Award and
state and national Continued Excellence Award.
Elaine Courtney, Michael Gutter