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Cathy Faulcon Bowen

The purposes of this study were to determine the financial knowledge of high school juniors/seniors and their parents and the relationship between the teens' and parents' financial knowledge. Teens were knowledgeable about net incomes and endorsing checks. Parents were knowledgeable on all areas studied except, credit card liability for unauthorized... Read More >

Gladys G. Shelton and Joan Koonce Moss

This article focuses on the methodology used in development, revision and testing of a national core curriculum document and standards testing instrument for certification of homeowner educators and housing counselors. The core curriculum's standards testing instrument is used for certification of homeowner educators and housing counselors. Two core curriculum pilot... Read More >

Virginia S. Zuiker, Yoon G. Lee, Patricia D. Olson, Sharon M. Danes, Amy N. Van Guilder Dik and Mary Jo Katras

Cash flow problems of 673 family owned businesses from a nationally representative sample were investigated. The final model of the 3 step hierarchical binary logistic regression was used to predict the probability of the occurrence of cash flow problems in the business, household, and the business and household simultaneously. Business... Read More >

Yinghao Mickey Li, Jinkook Lee and Brenda J. Cude

Based on investment behavior and innovation diffusion theories, intention to adopt online trading was investigated using 2000 01 MacroMonitor data. The impacts of the following determinants were examined: investment related factors (type of brokerage accounts and trading frequency and volume); psychological factors (confidence, investment risk preference, price sensitivity, attitudes toward... Read More >

Alexandra Bernasek and Vickie L. Bajtelsmit

This study reports empirical results based on an original survey of household finances in which, unlike other surveys, the participants were specifically asked about their degree of involvement in financial decision making for the household. Women's involvement in household finances is found to be significantly positively related to their share... Read More >

Heather L. Spencer and Jessie X. Fan

There is not much previous research investigating simultaneous debt and savings behavior. This study examines three distinct groups: savers, debtors, and simultaneous debtors and savers (SDS). Hypotheses were developed using a framework based on Browning and Lusardi's review on saving motives. Precautionary, investment, enterprise, and down payment saving motives were... Read More >

Sherrie L.W. Rhine and Maude Toussaint-Comeau

This study finds that preferences in the delivery of personal finance information vary for lower income, less educated, and unbanked adults traditionally underserved consumers. Adult financial education programs, therefore, are likely to be most successful if tailored to reach specific audiences. By knowing more about their constituency's preferences, financial counseling... Read More >

So Hyun Joo and Vanda W. Pauwels

The purpose of this study was to determine the factors affecting male and female workers' retirement confidence. Retirement confidence in this study was measured with series of questions on confidence about retirement income prospects. Using the 1999 Retirement Confidence Survey, it was found that working men compared to women; who... Read More >