JFCP Research Journal
Jeanne M. Hogarth and Chris E. Anguelov
Using the 1998 Survey of Consumer Finances, we explore the asset holdings of poor and low income households, their available resources for meeting short-term emergencies, and the determinants of being a ýsaverý as defined here. We find that socioeconomic and demographic characteristics as well as expectations and motivations, access to... Read More >
William C. Bailey, Benoit Sorhaindo and E. Thomas Garman
This study examined the desires of clients of a large national non-profit credit counseling organization for additional information and education on financial topics. Their desires were similar but quite different in prioritization from those who presumably are adequately managing their financial resources. Credit counseling clients gave priority to budgeting and... Read More >
Jinhee Kim and E. Thomas Garman
This paper examines the relationship between financial stress and absenteeism. A conceptual model was derived from a Health Promotion Model and empirically tested to investigate relationships among determinants (individual characteristics), stress (financial stress), physical and psychological responses (organizational commitment and health), and absenteeism. Using data from white-collar workers at an... Read More >
Sherman D. Hanna and Jonathan J. Fox
Authors: Michael A. Dalton, James F. Dalton, et al. Publisher: Dalton Publishing, L.L.C. Read More >
Sherman D. Hanna
Author: Arthur J. Keown Publisher: Prentice Hall Professor Read More >
Ann Coulson and Carmen D. Steggell
Authors: Elizabeth Warren and Amelia Warren Tyagi Publisher: Basic Books Read More >
Susan Coleman
Attitudes toward risk and willingness to hold risky assets are compared for white, Hispanic, and black heads of household using data from the 1998 Survey of Consumer Finances. Results indicate that Hispanic heads of household evidenced a significantly higher level of risk aversion and held a significantly lower percentage of... Read More >
Jinhee Kim, E. Thomas Garman and Benoit Sorhaindo
The present study examined the relationships among credit counseling, financial behaviors, financial stressor events, perceived financial well-being, and health. Data were collected from clients of a large credit counseling organization on two occasions, once in June 2000 and again in January 2002. Path analysis was employed to assess relationships among... Read More >
Angela C. Lyons and Jennifer L. Hunt
This study examines the credit practices and financial education needs of community college students. Community college students were found to have specific preferences for financial education content and how that information should be delivered. Students wish to receive information on financial assistance and how to become responsible credit consumers. Students... Read More >
Sunmee Baeck and Sharon A. DeVaney
The purpose of this study was to examine the determinants of the type of mortgage that households obtain: a conventional mortgage or a federally guaranteed mortgage, using the 1998 Survey of Consumer Finances. Based on the models of mortgage choice by Hendershott, LaFayette and Haurin (1997) and Gabriel and Rosenthal... Read More >
Yoon G. Lee, Cynthia R. Jasper and Karen P. Goebel
Using data from the 1997 National Family Business Survey, this study analyzed 673 family owned businesses. Consistent with other studies, the findings indicated that only 20% had a written succession plan. Among 673 family business owners, only 14% developed a net worth statement and 13% met with a financial planner... Read More >
Caezilia Loibl
Long-term household financial planning requires flexible, realistic financial planning instruments. This study focuses on the simulation of expenditures for discretionary and nondiscretionary goods and services and the incorporation of uncertainty into a long-term financial planning model. Particular emphasis is given to German financial planning literature and consumer expenditure data sets.... Read More >