JFCP Research Journal
Lucy Delgadillo and Leslie E. Green Pimentel
The purposes of the study were to create a profile of the mortgage default clientele and to examine how clientele were utlizing the counseling services at a housing counseling center. Aspects considered were loan type, time of delinquency when clients sought counseling, referrals of clients, and the point in counseling... Read More >
Sharon A. DeVaney, Sophia T. Anong and Yuan Yang
The likelihood of owning homes, investment accounts, and retirement accounts by Black and White families was analyzed using data from the 2004 Survey of Consumer Finances. Education, income, and contact with more financial institutions were almost always influential in the likelihood of owning assets and the value of assets. White... Read More >
Michael Gutter, Celia Ray Hayhoe, and Lingling Wang
Using the transtheoretical model of behavior change (TTM), employee contributions to defined contribution (DC) plans were examined. The data came from the 2001 Survey of Consumer Finances (SCF). Households were categorized into one of four TTM stages: precontemplation, contemplation, preparation, and action. The findings indicated that life cycle characteristics, financial... Read More >
Jane Schuchardt, Dorothy C. Bagwell, William C. Bailey, Sharon A DeVaney, John E. Grable, Irene E. Leech, Jean M. Lown, Deanna L. Sharpe, and Jing J. Xiao
This commentary recommends that financial counseling and planning research, education, and practice be framed as an interdisciplinary profession called personal finance. Authors summarize the history of the profession and key theories providing the conceptual foundation. In order for the emerging profession of personal finance to achieve significant visibility and gain... Read More >
Tim S. Griesdorn
Author: Thomas L. Friedman Publisher: Farrar, Straus, and Giroux (2005) ISBN: 0-374-29279-5 Read More >
Barbara O'Neill
Editor: Dara Duguay Publisher: Rodale Press (2007) ISBN: 13 978-1-59486-348-6 Read More >
Barbara O'Neill
Author: Jonathan Pond Publisher: HarperCollins (2007) ISBN: 10:0-06-112138-X Read More >
Jennifer Hobbs Plantier and Dorothy Bagwell Durband
Most military installations have the resources available to operate as an independent community. However, immediate access to these resources tends to promote societal disconnection for the civilian military spouse (CMS). This disconnection leaves the CMS with many misconceptions when it comes to certain life skills. The Department of Defense (DoD)... Read More >
Russell N. James III and Deanna L. Sharpe
How do renters approaching retirement respond to their absence of housing equity? Traditional life cycle accumulation theory suggests compensation by increased investment in other asset classes. Behavioral ýmental accountingý suggests that there may be no affect on investment in other asset classes. Finally, a model of self-selection based on underlying... Read More >
Sharon M. Danes and Heather R. Haberman
A social constructionist perspective was taken in the current investigation of 5,329 male and female high school students. Gender differences were investigated in financial knowledge, self-efficacy, and behavior after studying a financial planning curriculum. Females gained more knowledge on credit, auto insurance, and investments, although males had more knowledge entering... Read More >
Cazilia Loibl, Jonghee Lee, Jonathan Fox, and Erin Mentel-Gaeta
The choice processes women investors employ when making mutual fund decisions in employer-based retirement plans were examined. A qualitative analysis of focus group material was used to investigate women?s decision making environments and strategies employed for this high-consequence decision. Interpretation of extracts from the focus groups suggests that the observed... Read More >