Lucy M. Delgadillo (Jan, 2015)

Transcription

1 Lucy M. Delgadillo (Jan, 2015) Department of Family, Consumer and Human Development 2905 Old Main Hill Utah State University Logan, UT (435) (office) (435) (fax) I. GENERAL INFORMATION Current Position and Title: Education: Associate Professor of Family and Consumer Sciences 1999 Ph.D. Family Life. Utah State University Dissertation: A model of factors correlated to homeownership: The case of Utah. (Received the 2000 Dissertation Research Award, Western Region Home Management Family Economics Educators, Denver, Colorado) M.S. Political Sciences. Utah State University Thesis: The 1994 presidential campaign in Costa Rica compared to U.S.A presidential campaign: An emotional approach Lcda. Licentiate in Public Relations (ABD), University of Costa Rica 1992 B.S. Communications: Journalism. University of Costa Rica 1991 B.A. General Broadcasting and Sociology. Murray State University, Kentucky Additional Training and Certification: Aug Certified Master Coach (Center for Coaching Certification, International Coaching Federation Approved Training Program) Academic Teaching Experience: April, 2008 Associate Professor, Family, Consumer and Human Development. Utah State University Assistant Professor, Family, Consumer and Human Development, Utah State University Assistant Professor, Human Environments Department, Utah State University. Fall 1999 Instructor, Human Environments Department. Utah State University. Fall 96-Su 99 Research/Teaching Assistant- Human Environments Department, Utah State University. 1

2 Summer 97 Statistics and Analysis Consultant, University of Idaho. Winter 96 Research Associate, Competitive Enterprise Institute, Washington, D.C Research/Teaching Assistant- Political Science Department, Utah State University Journalist -Newspaper La Nación, San José, Costa Rica. Awards, Honors and Notable Appointments (n=15): Utah Housing Corporation Board of Trustees, , Re-appointment by Utah Governor Gary Herbert. ( Strong Human Service Award, 2013, Emma Eccles College of Education and Human Services. Research Fellow, Center for Financial Security International Housing Ambassador Award, 2012, Housing Education and Research Association. Associate Editor, 2011-present, Family and Consumer Sciences Research Journal. Best Paper Award, 2010, for the paper, Disentangling the Differences between Abusive and Predatory Lending: Professionals Perspectives, with L. Erickson & and K. Piercy. Journal of Consumer Affairs 42 (3). Fulbright Scholar, San Jose, Costa Rica, 2010, Developed and taught the first Consumer Policy in the Central America Region at the University of Costa Rica. Researcher of the Year Award, 2009, Family, Consumer and Human Development Dept Housing Impact Award, 2008, Housing Education and Research Association. Utah Housing Corporation Board of Trustees, , Appointment by Utah Governor Gary Herbert, ( Certificate of Appreciation, USU Cache County Extension. Latino Finance Education Series. Outstanding Journal Article Award, 2007, with Leslie E. Green Pimentel, Association for Financial Counseling and Planning Education (AFCPE), November USU Research Calendar featured in recognition to my contribution to the housing well being of Latino families in Utah. Innovative Program Home Buyer Education Award, Utah Extension Association of Family and Consumer Sciences, March, Fulbright CAMPUS III Award (Central America Program for Undergraduate Scholars), Full scholarship for 30 months at Murray State University, KY. II. RESEARCH AND SCHOLARSHIP * indicates co-authored or co-presented with a graduate student. ** indicates co-authored or co-presented with an undergraduate student 1. Articles in Refereed Journal (n=33) 2

3 Delgadillo, L. (2015). Coaching and counseling communication skills. Family and Consumer Sciences Research Journal 43(3), DOI: /fcsr Delgadillo, L., & Bushman, B. (in press, 2015). Reliability analysis of money habitudes. Journal of Extension. DOI: tba. Delgadillo, L, Perry, T. (2014) Coaching components in Individual Development Accounts: Insights and lessons applicable to financial programs. Forum of Family and Consumer Issues 14(2) Available at n summer-fall/delgadilloparry.php Delgadillo, L., (2014). Financial clarity: education, literacy, capability, counseling, planning and coaching. Family and Consumer Sciences Research Journal, 43(1) DOI: /fcsr Abstract included in the USDA/NIFA Family & Consumer Sciences - November National Economics Newsletter Delgadillo, L. (2014). FCS leadership in financial health. Journal of Family and Consumer Sciences, 106(3), Delgadillo, L., **Allen, J., & *DeHart, P. (2014). Perceived financial costs and neighborhood effect of foreclosures by next-door neighbors in USDA rural areas. Housing and Society, 41(2), Delgadillo, L., Stokes, C., & Lown, J. (2014). Descriptive analysis of reverse mortgage counseling clients. Journal of Financial Counseling and Planning, 25 (2), *Nelson, S., Delgadillo, L., & Dew, J. (2013), Housing cost burden and marital satisfaction. Journal of Marriage and Family Review, 49:6, *Aaberg, J., Delgadillo, L. (2013). Realtors' perspective of first time home buyers preparedness. Family, Consumer Sciences Research Journal, 42(1), Delgadillo, L. (2012). An assessment of consumer protection and consumer empowerment in Costa Rica. Journal of Consumer Policy 36 (1), Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Narrative experiences of USDA section 502 direct loan borrowers. Housing and Society, 38 (2), Jewkes, M., & Delgadillo, L. (2010). Weaknesses of housing affordability indices used by practitioners. Journal of Financial Counseling and Planning, 21 (1),

4 Delgadillo, L., *Ralph, L., *Horrocks, A,. Roberts, A., & Skogrand, L (2009). Making Learning a Family Affair: Principles for Attracting Latinos to Extension Finance Classes. The Forum for Family and Consumer Issues, 14 (2) Available at Ralph-Horrocks-Roberts-Skogrand.php *Erickson, L.V., Delgadillo, L.M, & Piercy, K.W. (2008). The need for predatory mortgage education: Expert views. Journal of Extension 46(5). Available at Delgadillo, L., *Erickson, L.V. & Piercy K.W. (2008). Disentangling the differences between abusive and predatory lending: Professionals perspectives. Journal of Consumer Affairs 42 (3), Best Paper Award 2010 Journal of Consumer Affairs Delgadillo, L., **Kelley, C. (2008) Establishing a link between subprime lending, payday lending and housing costs. Housing and Society 34 (2), *Green L. E. & Delgadillo, L. (2007). Estimating pre-purchase housing counseling and education costs per client. Journal of Extension 45(6). Available at Delgadillo, L., & *Green-Pimental, L. (2007). An analysis of mortgage default clients and mortgage default counseling. Financial Counseling and Planning Journal, 18(1), Best Paper Award 2007 Association of Financial Counseling and Planning Education (AFCPE) * Pedersen, C., & Delgadillo, L. (2007). Residential mortgage default in low and high minority census tracts. Family and Consumer Sciences Research Journal, 35(4), Delgadillo, L., *Erickson, L, & Coster, D. (2006). Concentrations of subprime lending activities, equity risk factors, and bankruptcy filings. Housing and Society, 33(2), Delgadillo, L., *Erickson, L., & Lown, J. (2006). Targeting bankruptcy consumer prevention to vulnerable census tracts. Forum for Families and Consumer Issues, 11(2). Available at Delgadillo, L., & *Erickson, L. (2006). An exploration of off-campus student housing satisfaction. Journal of Family and Consumer Sciences, 98(4), 5-9. Delgadillo, L., & *Erickson, L. (2006). Spatial analysis of mortgage default in a metropolitan county. Housing and Society, 33(1),

5 Delgadillo, L., & *Gallagher, A. (2006). Borrower and mortgage related factors associated with FHA foreclosures. Family and Consumer Sciences Research Journal, 34(3), Delgadillo, L. (2006). Demand-side housing policy in Costa Rica: A response to the housing deficit. International Journal of Consumer Studies, 30(1), Delgadillo, L., & **Contos, E. (2005). Price of shelter: Housing issues affecting lowincome, new immigrant Latinos. Housing and Society, 32(1), Delgadillo, L., Sörensen, S., & Coster, D. (2004). An exploratory study of preparation for future care among older Latinos. Journal of Family and Economic Issues, 25(1), Delgadillo, L. (2003). Guidelines for reaching out and counseling low income monolingual Latino clients. Journal of Extension, 41(6). Available at Delgadillo, L. (2003). Financial profile of first time home buyers in Northern Utah. Housing and Society, 30(1), Delgadillo, L. (2001). A model of factors correlated to homeownership: The case of Utah. Family and Consumer Sciences Research Journal, 30(1), Hawks, L.K., Williams, D., Delgadillo, L., & Cann, S. (2000). Community vitality indices: Western states rural comparisons. Housing and Society, 27(1), Junk, V., Fox, L., Delgadillo, L., Anderson, J., & Olson, M. (1998). Making the most of home pages: The internet and presentation graphics. T.H.E. Journal, 26(1), Delgadillo, L., & Dorwart, J. (1998). Home buyer program assists Hispanic families in Northern Utah. Journal of Family and Consumer Sciences, 90(2), Refereed Book Chapter (n=1) Delgadillo, L. (2012). Mortgage Default and Well-Being. Susan Smith, Editor in Chief International Encyclopedia of Housing and Home. Elsevier Publishing Ltd, Editor-Refereed Book Chapter (n= 2): Delgadillo, L. (in press, 2015). Consumer Activism Movement in Central America and Panama. Consumer Activism: An Encyclopedia of Watchdogs and Whistleblowers. California: ABC-CLIO 5

6 Delgadillo, L., Jewkes, M. (2012). Affordability. Andy Carswell, Editor. Encyclopedia of Housing, 2 nd edition (p 13-16). Los Angeles, CA: Sage Publisher: 4. Manuscripts under Editorial Review (n =2) Delgadillo, L. Financial counseling and financial health. Handbook of Consumer finance Research (2 nd edition). Delgadillo, L. Housing sustainability and saving strategies through IDA. Journal of Family and Consumer Sciences 107(4). Delgadillo, L. Teaching a financial coaching class to undergraduate students. Financial Therapy Journal. 5. Manuscripts in Progress (n=4): Delgadillo, L. Britt, S. Financial coaching and financial therapy. Financial Therapy. Delgadillo, L. Application of appreciative inquiry in financial coaching. Due: April 6, Special Issue Journal of Family and Consumer Sciences 107(4). Delgadillo, L., McGregor, S. Furthering the conversation about the influence of postmodernism in family and consumer sciences. Due: Summer Book Review (n=1) Delgadillo, L. (2015). The new reverse mortgage. Family and Consumer Sciences Research Journal 43(3), Peer Reviewed Published Conference Papers (n = 48) (* Denotes graduate students, ** undergraduate) Delgadillo, L.M. (2014). From financial literacy to financial health for life. Association for Financial Counseling and Planning Education (AFCPE), p November 19-21, Bellevue, Washington. Delgadillo, L.M., Johnson, A., Stokes, C., Erickson, L. (2014). Financial coaching and behavior change. What counselors and educators learn? p. 33 (AFCPE). November Bellevue, Washington. * Parry, T., Delgadillo, L.M (2014). Financial skills among married adults: a comparison to singles and recommendations for extension educators, p November Bellevue, Washington. 6

7 Delgadillo, L., *Cady, L. (2013). Financial skills and strategies used for saving for a home by individual development account holders. Housing Education and Research Association, p , Tulsa, Oklahoma. October 27-30, Delgadillo, L., *Aaberg, J. (2013). Using input from Real Estate Professionals to Improve and Evaluate Housing Counseling Programs. Housing Education and Research Association, p , Tulsa, Oklahoma. October 27-30, 2013 *Dehart, P. & Delgadillo, L. (2012) A logic model and evaluation of a counseling session for home equity conversion mortgages offered at a housing counseling center. Housing Education and Research Association Conference Proceedings, Roanoke, Virginia, October Available at *Wilkinson, K. & Delgadillo, L. (2012). Review of homeowners and renters attitudes toward homeownership after the financial crisis. Housing Education and Research Association Conference Proceedings, Roanoke, Virginia, October Available at *Stokes, C., Delgadillo, L., Lown, J., & Pfister, R. (2011). Reasons seniors seek reverse mortgages. Housing Education and Research Association Conference Proceedings, Baton Rouge, LA, October 12-14, Available at %20Proceedings-Done.pdf Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Qualitative assessment of the mutual Self-Help program in Utah. Housing Education and Research Association Conference Proceedings, Baton Rouge, LA, October 12-14, Available at %20Proceedings-Done.pdf Carswell, A.T., Delgadillo, L., & James, R.N., III. (2011). International teaching and learning symposium. In G. Peek (Ed.), 2011 Annual Housing Education and Research Association Conference Proceedings, p Baton Rouge, LA. *Stokes, C., Lown, J., Delgadillo, L., & Pfister, R. (2011). Boost your income with reverse mortgage counseling. Association for Financial Counseling and Planning Education, p Jacksonville, FL, November, Delgadillo, L (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6, 2010, available at oceedings_portland_or_100210%5b1%5d%5b1%5d.pdf 7

8 *Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners, p AFCPE Conference, Scotland, Arizona. November 14-16,. Delgadillo, L. M., *Jewkes, M., & *Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Housing Education and Research Association Conference Proceedings CD-Rom, Indianapolis, Indiana October */**Delgadillo, L., Jewkes, M.D., & Ingersoll, D. (2007). Who is going to help borrowers with non-traditional mortgages? Housing Education and Research Association Conference Proceedings, p Charlotte, North Carolina, October 23-26,. **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Housing Education and Research Association Conference Proceedings, p Charlotte, North Carolina, October *Jewkes, M.D., & Delgadillo, L. (2007). The application of theories in housing. Housing Education and Research Association Conference Proceedings, p Charlotte, North Carolina, October Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: mortgage defaults and bankruptcies. Housing Education and Research Association Conference Proceedings, p Ithaca, New York, October Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Housing Education and Research Association Conference Proceedings, Ithaca, Addendum. New York, October *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Housing Education and Research Association Conference Proceedings, p Ithaca, New York, October * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Housing Education and Research Association Conference Proceedings, p Ithaca, New York, October * Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Housing Education and Research Association Conference Proceedings, p Ithaca, New York, October

9 *Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators, p Ithaca, New York, October 8-11,. *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Housing Education and Research Association Conference Proceedings, p Ithaca, New York, October *Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Consumer Interest Annual 52, Available at *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Housing Education and Research Association Conference Proceedings, p Denver, Colorado. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Housing Education and Research Association Conference Proceedings, Denver, Colorado, *Pedersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Housing Education and Research Association Conference Proceedings, Denver, Colorado, *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Housing Education and Research Association Conference Proceedings, Denver, Colorado, **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Consumer Interest Annual 51. Available at ssuesaffectinglowincome.pdf Delgadillo, L., McFadden, J., & Hawks, L.K. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, Hawks, L.K., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Housing Education and Research Association Conference Proceedings, Chicago, Illinois, **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues 9

10 affecting low income, new immigrant Latinos. Western Family and Economic Association Conference Proceedings Volume 19, Hawaii. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Consumer Interest Annual 50. Available at *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors associated with foreclosures. Western Family Economic Association Annual Conference Proceeding. Available at Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Consumer Interests Annual 49. Available at Delgadillo, L., & Hawks, L.K. (2002). Financial profile of first time home buyers in Northern Utah. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, Hawks, L.K., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. American Association of Housing Educators Proceedings, Minneapolis, Minnesota, McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. American Association of Housing Educators Proceedings, Big Sky, Montana, Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Consumer Interest Annual 47, Washington, DC. Delivering_information.pdf Delgadillo, L. (2001). Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Consumer Interest Annual 47, Washington, DC. Preparation_and_expectation.pdf Delgadillo, L. (2000). Living arrangements and future long term and short term care among Hispanic elderly in Utah. American Association of Housing Educators Proceedings, Atlanta, Georgia, Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: a pilot study. Western Region Home Management Family 10

11 Economic Educators. Denver, Colorado, Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. American Association of Housing Educators Proceedings Orlando, Florida, Hawks, L.K., & Delgadillo, L. (1998). Western States comparison of community vitality: American Association of Housing Educators Proceedings, Soul: Korea, Junk, V.W., Fox, L.K.., Delgadillo, L., Oleson, M.D., & Anderson, J. (1998). Using web pages, net meeting, , and presentation graphics in teaching resource management, personal finance, and consumer issues: Professors' and students' point of view. Proceedings of Western Region Home Management and Family Economics Educators, White Papers/Monographs (n=3): Delgadillo, L. (2011). Considerations for the National Housing Plan in Costa Rica. Requested and submitted to Mrs. Irene Campos. Minister of Housing and Human Settlements. Costa Rica. **Delgadillo, L. & Kelley, C. (2009). Payday loan industry in Utah. Requested and submitted to Utah House Representatives Scott Wyatt and David Litvack, Salt Lake City, Utah. Delgadillo, L. (2006). Latino housing issues in Utah. Salt Lake City, Utah: Utah State Office of Ethnic Affairs. 9. Extension Publications (n= 22) Delgadillo, L., Hawks, L. (2009). Closing costs. FL/Homeownership/ Delgadillo, L., Hawks, L., McCay, T. (2009). Completing a Mortgage Loan Application. FL/Homeownership/ Delgadillo, L., Hawks, L. (2009). Making an offer and negotiating the price. FL/Homeownership/

12 Delgadillo, L., Hawks, L. (2009). Costos de cierre. FL/Homeownership/ S Delgadillo, L., Hawks, L., McCay, T. (2009). Completando la aplicación para la hipoteca. FL/Homeownership/ S Delgadillo, L., Hawks, L. (2009). Haciendo la oferta y negociando el precio. FL/Homeownership/ S Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Are you ready to purchase a home? Utah State University Cooperative Extension Web site: rchase_a_home Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: How much income should be devoted to a house payment? Utah State University Cooperative Extension Web site: hould_be_devoted_to_a_house_payment Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Calculate how much of a house you can afford. Utah State University Cooperative Extension Web site: w_much_of_a_house_you_can_afford Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: The elements of a house payment. Utah State University Cooperative Extension Web site: Payment\ Hawks, L.K., & Delgadillo, L. (2005). Living the American Dream. Bankruptcy Education Fact Sheet: Steps involved in purchasing a home. Utah State University Cooperative Extension Web site: chasing_a_home Hawks, L.K., & Delgadillo, L. (2005). How to find a reliable contractor. (FL/HO-08 revised). Utah State University Cooperative Extension Web site: 12

13 Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: A broker, a realtor Who are they? (FL/HO-16). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Casas de alquiler [Rental housing] (FL/HO-19S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Cómo encontrar un constructor de confianza [How to find a reliable contractor] (FL-HO-08S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: De qué precio es la casa que usted puede comprar? [How much house can you afford] (FL/HO- 01S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Home Ownership Fact Sheets: El costo real de la hipoteca [Real Mortgage Costs] (FL/HO-26S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Inspección de la vivienda [Home Inspection] (FL/HO-10S). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Rental housing (FL/HO-19). Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (2002). Home Ownership Fact Sheets: Su historia de crédito [Your Credit History] (FL/HO-09S). Utah State University Cooperative Extension, Logan. Hawks, L.K., McCay, T., & Delgadillo, L. (2002). Evaluando sus necesidades de vivienda [Assessing Your Housing Needs]. Utah State University Cooperative Extension, Logan. Hawks, L.K., & Delgadillo, L. (1998). Major appliance selection. Extension Cord Newsletter, 1, Invited Publications (n=3) Delgadillo, L. (2008). Latino values and acculturation: What do they have to do with dental care? The Nugget (Sacramento District Dental Society Magazine) Volume 54(2),

14 Hawks, L.K., & Delgadillo, L. (2004). How much house can you afford? Opening the door to home ownership. Home Ownership Education Study Guide, Delgadillo, L. (1996). Dirty dozen review. CEI UpDate Newsletter 9 (3) (pp. 4-6). Washington, DC. Grant Activities 1. Funded Grants, Projects, and Travel Money (n= 25) ($424,429) Internal Project: Principal Investigator. Evaluation of a Solution Focus Financial Coaching Program. United State Department of Agriculture (USDA)-Utah Agricultural Experimental Station UTAO-1174 Project. $60,053. FY Private grant. Principal Investigator. Advance Financial coaching Training Wells Fargo Bank, $2,050. August, Travel Grant. Financial Education and Literacy Campaign in Costa Rica. Center for Women and Gender Institute, $500. Utah State University. May Private grant. Principal Investigator. Financial Coaching. Wells Fargo Bank, $2,027 February, Internal Project: Co-Principal Investigator. Comprehensive Housing Counseling Program. PI: Lucas Martin. Department of Housing and Urban Development $15,583. FY % contribution on securing grant. Private Grant. Principal Investigator. Housing and Financial Program. Co-PI: Samantha Nelson. American Express. $15,000. FY % contribution on securing grant. Government Grant. Co-Principal Investigator. Comprehensive Housing Counseling Program. Samantha Nelson (PI). Department of Housing and Urban Development. $25,648. FY % contribution on securing grant. Private Grant: Principal Investigator. Post-Disaster Housing Recovery: the experience in the US. Housing Educator and Research Association, $1000. June, Government Grant. Co-Principal Investigator. Reverse Mortgage Counseling Program. Samantha Nelson (PI). $18,000. Department of Housing and Urban Development. October 2012-September % contribution on securing the grant. Internal Project. Principal Investigator. Assessing the Intermediate Outcomes of Individual Development Account on Student Loans and Homeownership Sustainability. USDA-Utah Agricultural and Experimental Station UTAO-1042, $62,067. FY

15 Government Grant. Principal Investigator. Consumer Policy Protection in Costa Rica. Department of State. Bureau of Education and Cultural Affairs. $25,240. February Internal Project. Principal Investigator. Exploring the utilization of USDA 502 Self-Help program by low income families in rural Utah. Co-PI: Lucas Martin. USDA- Agriculture Experimental Station UTAO-984. $49,587 FY Private Grant. Co-Principal Investigator with Luke Erickson as PI, on project titled, Definition of predatory lending. Utah Real Estate Division for $2000, Summer % contribution on securing the grant. Internal Project. Principal Investigator with Jean Lown as Co-PI, on proposal titled, Geographic Distribution of Consumer Bankruptcy Filers in Utah. Submitted to the Utah Agricultural Experimental Station for $28,115, FY Government Grant. Co-Principal Investigator. I with Tamara Hincks (PI), on proposal titled, HUD Predatory Education and Prevention U.S. Department of Housing and Urban Development for $7,788, FY % contribution on securing grant. Travel Grant. Department of Family and Human Development to present the paper, Doing Social Research in the United States, and Examining issues through political cartoons, at the University of Costa Rica, $550. May, Government Grant. Co-PI with Tamara Hincks (PI), on proposal titled HUD Housing Counseling Project. U.S. Department of Housing and Urban Development for, with PI, Tamara Hincks for $65,999. FY Internal Project. Principal Investigator, on proposal titled, Housing Needs of Latino Community. Community University Research Initiative (CURI) for $27,000, FY Travel Grant. Principal Investigator, on proposal titled, Low income housing policies in Costa Rica. Women and Gender Research Institute for $450, FY Internal Project. Principal Investigator, on proposal titled, Evaluation of First Time Homebuyer Workshop. USU New Faculty Research Grant for $12,472, FY Travel Grant. Principal Investigator, on proposal titled, Development of an instrument to evaluate First Time Home Buyer Workshops. Women and Gender Research Institute for $1,000. FY

16 Travel grant. Department of Family and Human Development to present the paper, Doing Social Research in the United States, and Examining issues through political cartoons, at the University of Costa Rica, $550. May, Travel Grant. Graduate School Senate, College of Family Life, and Department of Human Environments to present the paper, Western states comparison of community vitality: , at the AAHE International Conference in Seoul, Korea, August, $1, Travel Grant. Women and Gender Research Institute, to present the paper, Predictors of rural community vitality: Utah , at the American Association of Housing Educators Annual Conference in New Orleans, October, $ Travel Grant. Women and Gender Research Institute to do research in Costa Rica for the paper, Women s participation in national-level politics and government: The case of Costa Rica, February, $ Grants Written but not Funded (n=8) ($183,219) Principal Investigator. A results-based management approach for the improvement of the Housing finance system in Costa Rica. Co-PI: Porfirio Guevara. Inter- American Development Bank. $20,000. December RC_USU Grant. Analysis of Outputs and Outcomes of House Bill 144 in Utah. Utah State University. $19,810. Fall Collaborator on Reverse Mortgage Longitudinal Study. Subcontract with Moenkopi Group. Submitted to John M. MacCarthur Foundation. FY $15,000. Principal Investigator on proposal titled, Chapter 12 bankruptcies in the Mountain States. Submitted to American Bankruptcy Institute, $17,613 FY , Principal Investigator (PI), on proposal titled, An Analysis of impediments to Fair Housing for Layton City. Submitted to Layton City, $12,220. FY Co-Principal Investigator with April Peery as Principal Investigator, on proposal titled, comprehensive housing counseling and predatory lending education. Submitted to the U.S. Department of Housing and Urban Development,$50,000. FY Principal Investigator on proposal titled, An analysis of predatory lending, abusive and high cost loans in Utah. Submitted to Community University Research Initiative (CURI) for $13,576. FY

17 Principal Investigator, on proposal titled, Spatial Analysis of Residential Mortgage Foreclosures and Fringe Lending in the Salt Lake City Metropolitan Area. Submitted to the Department of Housing and Urban Development. Urban Scholars Program, $35,000. FY Proposal in Pending Status (n=0) Presentations 1. International Presentations (n= 9) Delgadillo, L. (2013). Steps in developing a financial education campaign for low income first time home buyers. May 27-29, San Jose, Costa Rica Delgadillo, L. (2012). Housing Recovery post natural disasters: The experience in the US. National Housing Conference and Workshops. June 28, San Jose, Costa Rica. Delgadillo, L. (2010). International Consumer Protection Policies. University of Costa Rica. Political Sciences Academic Master s Program. Course: Debate Actual en Ciencias Politicas (Current Debate in Political Sciences). April 27, 2010, San Pedro, San José, Costa Rica. Delgadillo, L. (2010). Consumer Protection Models and its Application to Costa Rica. University of Costa Rica. College of Social Sciences Lectures. June 23, San Pedro, San José, Costa Rica. Delgadillo, L. ( 2010). Modelos alternatives para la Provisión de Vivienda de Interés Social a grupos de bajos ingresos ( Alternative Models for the Provision of Social Housing for Low-Income Groups) National Housing Conference, Discusiones y Reflexiones sobre el Futuro de la Vivienda de Interés Social en Costa Rica (Discussions and Reflections on the Future of Public Housing in Costa Rica). June 24, San José, Costa Rica. Delgadillo, L. (2010). Personal values, self-esteem and Drug Use. Yanauro Quesada Elementary School. Escazú, San José, Costa Rica. April 22, Delgadillo, L. (2003). Examining social-housing issues through political cartoons. Paper presented at the University of Costa Rica, College of Humanities and Social Sciences, San José, Costa Rica, May 22. Delgadillo, L. (2003). Social sciences research in the United States. Paper presented at the University of Costa Rica, Collective Communication Sciences Department. San José, Costa Rica, May

18 Hawks, L.K., & Delgadillo, L. (1998). Western states comparison of community vitality: Paper presented at American Association of Housing Educators. Soul: South Korea, August Refereed National Presentations (n= 52) Delgadillo, L.M. (2014). From financial literacy to financial health for life. Association for Financial Counseling and Planning Education (AFCPE). November Bellevue, Washington. Delgadillo, L.M., Johnson, A., Stokes, C., Erickson, L. (2014). Financial coaching and behavior change. What counselors and educators learn? Association for Financial Counseling and Planning Education. November Bellevue, Washington. Parry, T., Delgadillo, L.M (2014). Financial skills among married adults: a comparison to singles and recommendations for extension educators. AFCPE. November Bellevue, Washington. Johnson, A. C., Delgadillo, L., Erickson, L. (2013). Behavior Change: Using What Works. Association for Financial Counseling and Education, Greeenville, South Carolina: November 20-22, Delgadillo, L., *Cady, L. (2013). Financial skills and strategies used for saving for a home by individual development account holders. Housing Education and Research Association, Tulsa, Oklahoma. October 27-30, Delgadillo, L., *Aaberg, J. (2013). Using input from Real Estate Professionals to Improve and Evaluate Housing Counseling Programs. Housing Education and Research Association, Tulsa, Oklahoma. October 27-30, Delgadillo, L., *Parry, T. (2013). Scholarly Approach to Curriculum Development for Financial Therapy Classes. Financial Therapy Association, Lubbock, Texas. September 29- October 1, Christensen, A., Johnson, A., Dew, J., & Delgadillo, L. (2012). Financial Personalities and Relationship Quality. Association for Financial Counseling and Planning Education. Poster Presentation. Saint Louis, Missouri, November 20-22, Jensen, C., Delgadillo, L., Colton, L. Review of Homeowners and Renters Attitudes toward Homeownership after the Financial Crisis. (2012). Housing Education and Research Association Conference. Roanoke, VA October 28-31, 2012 *Stokes, C., Delgadillo, L., Lown, J., & Pfister, R. (2011). Reasons seniors seek reverse mortgages. Housing Education and Research Association Conference. Baton Rouge, LA, October 12-14, Delgadillo, L., *Nelson, S., & *Martin, L. (2011). Qualitative assessment of the mutual 18

19 Self-Help program in Utah. Housing Education and Research Association, Baton Rouge, LA, October 12-14, Carswell, A, Delgadillo, L., Ziebarth, A., Russell, J. (2011) International Housing Teaching and Learning Symposium. Housing Education and Research Association. Baton Rouge, LA, October 14, *Nelson, S., Delgadillo, L., Johnson, A. (2011). Reliability of Money Habitudes. NCFR. Poster presentation. November Orlando, Florida *Stokes, C., Lown, J., Delgadillo, L., & Pfister, R. (2011). Boost your income with reverse mortgage counseling. Paper presented at the meeting of the Association for Financial Counseling and Planning Education. Jacksonville, FL. Delgadillo, L. (2010). Exploring the Utilization and Outcomes of the 502 Mutual Self- Help Program by Low Income Families in Rural Utah. Housing Education and Research Association Conference Proceedings, Portland, Oregon, November 3-6. *Jewkes, M. & Delgadillo, L. (2009) Analysis of housing affordability indices used by practitioners. AFCPE Conference, Scotland, Arizona. November *Delgadillo, L. M., Jewkes, M., & Erickson, L. (2008). Disentangling the differences between abusive lending, predatory lending and mortgage fraud as defined by different stake holders. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October *Jewkes, M., & Delgadillo, L.M. (2008). An assessment of housing affordability in a county in a western state. Paper presented at Housing Education and Research Association Conference, Indianapolis, Indiana October *Erickson, L.V., Delgadillo, LM. & Piercy, K. (2008). Insights on predatory mortgage lending. Galaxy III poster session #2, Indianapolis, Indiana. September *Erickson, L., Delgadillo, L., & Piercy K. (2007). Perspectives on predatory lending education. Paper presented at the Association for Financial Counseling and Planning Education, Tampa, Florida, November **Delgadillo, L., & Kelley, C. (2007). Identifying associations between payday lending and subprime lending. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October */** Delgadillo, L., Jewkes, M., & Ingersoll, D. (2007) Who is going to help borrowers with non-traditional mortgages. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October * Jewkes, M., Delgadillo, L. (2007). The application of theories in housing. Paper presented at the Housing Education and Research Association Conference, Charlotte, NC, October

20 *Pedersen, C., Delgadillo, L., & Johnson, J. (2007). Mortgage default and neighborhood. Paper presented at the Western Family and Economic Association Annual conference. Tucson, Arizona. January Delgadillo, L. (2006). Financial illness to be addressed in the future of housing: Mortgage defaults and bankruptcies. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October Delgadillo, L. (2006). What does the future bring to Latino immigrants regarding housing issues? Paper presented at the Housing Education and Research Association Conference, Ithaca, New York. October *Green, L., & Delgadillo, L. (2006). An analysis of mortgage default client and mortgage default counseling at a housing financial counseling center. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October * Green, L., & Delgadillo, L. (2006). The monetary cost of pre-purchase housing counseling and education: a case study. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October * Erickson, L., Delgadillo, L., & Piercy, K. (2006). Predatory mortgage lending: A professional perspective. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October *Brown, S., & Delgadillo, L. (2006). Examination of federal flood insurance with implications for housing educators. Poster presented at the Housing Education and Research Association Conference, Ithaca, New York, October *Stokes, C., Delgadillo, L., Hawks, L.K., & Sowards, R. (2006). Healthy homes Trainthe-Trainer program. A professional perspective. Paper presented at the Housing Education and Research Association Conference, Ithaca, New York, October *Delgadillo, L., Erickson, L., & Coster, D. (2006). Geography of consumer bankruptcies and neighborhood characteristics. Paper presented at the American Council on Consumer Interest Conference, Baltimore March *Green, L., & Delgadillo, L. (2005). Mapping the concentration of mortgage default in Weber County. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Johnson, J., & Delgadillo, L. (2005). Setting housing issues on the policy agenda. Poster presented at the Housing Education and Research Association Conference, Denver, Colorado, October

21 *Petersen, C., Nye, K., & Delgadillo, L. (2005). Demographics of borrowers and causes of default or residential mortgages in Northern Utah. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. *Erickson, L., & Delgadillo, L. (2005). Off-campus student housing: A measure of Value. Paper presented at the Housing Education and Research Association Conference. Denver, Colorado, October 5-8. **Delgadillo, L., & Contos, E. (2005). The price of shelter. Housing issues affecting low income Latinos. Paper presented at the American Council on Consumer Interest. Columbus, Ohio. April. Delgadillo, L., McFadden, J., & Hawks, L. (2004). Spatial analysis of residential foreclosures in Cache County, Utah. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October Delgadillo, L., & McFadden, J. (2004). Demand side housing subsidies in Costa Rica. Paper presented at the Housing Education and Research Association. Chicago, Illinois, October Hawks, L., & Delgadillo, L. (2004). Energy efficient lighting: An important topic for housing educators. Paper presented at the Housing Education and Research Association, Chicago, Illinois, October **Delgadillo, L., & Contos, E. (2004). The price of shelter: Housing issues affecting low income, new immigrant Latinos. Poster presented at the Western Family and Economic Association, Hawaii, October. *Delgadillo, L., & Gallagher, A. (2004). Borrowers and mortgage related factors associated with foreclosures. Paper presented at the American Council of Consumer Interest. Washington, D.C. April. *Delgadillo, L., & Gallagher, A. (2003). Borrowers and mortgage related factors. Paper presented at the Western Family Economic Association. Salt Lake City, Utah, October. Delgadillo, L. (2003). The state of workforce Latino housing in Utah. Research in progress paper presented at the American Council on Consumer Interest. Atlanta, Georgia, April. Delgadillo, L., & Hawks, L. (2002). Financial profile of first time home buyers in Northern Utah. Paper presented at the American Association of Housing Educators, Minneapolis, Minnesota, October Hawks, L., & Delgadillo, L. (2002). Demonstration house used to promote universal design, energy efficiency, and health indoor environments. Paper presented at the American Association of Housing Educators. Minneapolis, Minnesota, October 21

22 McFadden, J., & Delgadillo, L. (2001). Enhancing community resources through retirement housing facilities. Paper presented at the American Association of Housing Educators Proceedings, Big Sky, Montana, Delgadillo, L. (2001). Delivering information on consumer protection: How to outreach Hispanics. Poster presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2001), Preparation and expectations for future care among older Hispanics in Utah: A pilot study. Paper presented at the American Council on Consumer Interest. Washington, DC. Delgadillo, L. (2000). Living arrangements and future long term and short term care among Hispanic elderly in Utah. Paper presented at the American Association of Housing Educators, Atlanta, Georgia, Delgadillo, L. (2000). Expectations about future care and resources available to older Hispanics in Utah: A pilot study. Paper presented at the Western Region Home Management Family Economic Educators. Denver, Colorado, Delgadillo, L., & McFadden, J. (1999). A model of factors correlated to homeownership: The case of Utah. Paper presented at the American Association of Housing Educator. Orlando, Florida. 3. Refereed State Presentations (n =3): Parry, T. G. & Delgadillo, L. (2014, April). Financial skills among married adults: A comparison to singles and recommendations for educators. Paper presented at the Annual Conference of the Utah Council on Family Relations, Provo, UT. Delgadillo, L. M, & Johnson, J. (2012). Socio demographic and financial predictors of discharged chapter 12 bankruptcies in Utah, Idaho and Wyoming. Utah Academy of Sciences, Arts and Letters. Logan Utah (April 13, 2012). *Jewkes, M. D. & Delgadillo, L. M. (2009). How much house can you really afford: Analysis of housing affordability estimates. Utah Association of Family and Consumer Sciences Annual Conference, Tooele, Utah (October 24, 2009). 4. Non Refereed State and Local Presentations (n= 26): Delgadillo, L. (2014). Celebration of Financial Health. Utah State University, April 2, Delgadillo, L. (2008). How to buy a house in the U.S. Community Latino Workshops. Logan Utah. November,

23 Delgadillo, L. (2008). How to buy a house in the U.S. Community Latino Workshops. Logan Utah. April, 200). Delgadillo, L. (2008). Representing the Immigrant Experience. O.C. Tanner Symposium. Utah State University, April 4, Delgadillo, L. (2008). Latinas First Panelist. South Cache Center, Hyrum, Utah March. Delgadillo, L. (2007). Predatory lending in Utah. Paper presented at the Utah Association of Family and Consumer Sciences. Midway, Utah. November 2-3, Delgadillo, L. (2007). How do I reach cultural balance in teaching, research and service? WGRI Spring Social. Alumni House. Utah State University. April 4. **Kelley, C. & Delgadillo, L. (2007). Payday lending industry in Utah. Poster Presentation Research on Capital Hill. Salt Lake City, Utah. January 7. Delgadillo, L. (2006). Fair housing issues affecting Latino immigrants. Panel member for Utah Bioneers Conference, Logan, Utah. October 20. Delgadillo, L. (2006). Fair Housing Act. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2006). Building up your self-esteem. Invited guest speaker for Logan South Cache Middle School. Delgadillo, L. (2005). Latinos in the U.S. Culture. Invited guest speaker for FCHD 3210: Family and Cultural Diversity. Utah State University. Logan, Utah. Delgadillo, L. (2003). Borrower and mortgage related factors associated with foreclosure. Invited speaker at the U.S. Department of Housing and Urban Development Mortgage Default-Foreclosure/Fraud Task Force. Salt Lake City, Utah. Delgadillo, L. (2002). Housing discrimination issues. Guest speaker for FHD 3210 Family and Cultural Diversity. Utah State University, Logan, Utah. Delgadillo, L. (2002). Counseling Latino low income monolingual families. Guest speaker for HENV 4460, Financial Counseling. Utah State University, Logan, Utah. Delgadillo, L. (2001). Inviting you to overcome cultural barriers. Keynote speaker for the International Student Week, Utah State University, Logan, Utah. Delgadillo, L. (2000). Marketing to special audiences. Training the Trainers Workshop, Salt Lake City, Utah. 23