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Deborah D. Godwin

This study focused on exploring the process and outcomes of cash flow management among randomly-selected newlywed couples. Descriptive data suggested that family cash flow management is much more complex than revealed in previous studies asking "whether families have a budget." Three dimensions of family cash flow management - budgeting, financial... Read More >

Catherine Phillips Montalto

If married women view participation in the labor force as providing insurance against the negative economic consequences of divorce, then married women with higher expectations of divorce will be more likely to be employed. The Panel Study of Income Dynamics, 1968-1983, is used to estimate the effect of the expectation... Read More >

Jean W. Bauer and Marlene S. Stum

This paper uses the 1989 National Long Term Care Survey conducted by U.S. Bureau of Census to study the elders who are most likely to need assistance with their money management, their helpers, and the factors which explain the need for assistance. A logit analysis of the community- dwelling sample... Read More >

Twenty-seven financial items were included in a questionnaire and 182 parents responded to the age they felt is most appropriate to share that family financial information or be involved in the financial activity. The most consensus was among parents as to what the very young are ready to learn and... Read More >

Frances L. Ayres and Kathleen Blackburn Hethcox

To reduce the cost of compliance, it is important that individuals seeking tax preparation assistance, as well as policymakers, know the relative differences between preparers. In this paper the results of Money's tax test are employed to determine whether the accuracy and bias of preparers are a function of preparers'... Read More >

Walt Woerheide and Rich Fortner

There are various costs associated with changing jobs. One potentially significant cost is the reduction or loss of pension benefits associated with the old job. Even if one is fully vested, a large reduction in pension benefits may occur. Amounts of increases in salary from a new job necessary to... Read More >

William C. Bailey and M. Jean Turner

This study examines the perception of the importance of retirement information from accountants, bankers, Cooperative Extension agents, financial planners, insurance salespersons, lawyers, and the media among full-time farm operators from five states (N=2021). Information on retirement planning from financial planners, insurance agents and lawyers was not highly valued whereas Cooperative... Read More >

Vicki Schram Fitzsimmons and Lauren J. Leach

Studying change in net worth enables assessment of a family's financial progress. Longitudinal panel data from 136 couples in the first 11 years of marriage were used in this study. Influences of selected variables on percentage change in net worth were examined. Change in household income and wife's change in... Read More >

Y. Regina Chang

An analysis of the 1983 and 1986 Survey of Consumer Finance shows that 40% of U.S. households had a decrease in real net non-housing assets between the two survey periods. This study uses t-test, bivariate and multivariate analyses to investigate household saving behavior and identify factors related to it. Multivariate... Read More >

Jing J. Xiao and Franziska E. Noring

Data from the 1986 Survey of Consumer Finances were used to analyze perceived saving motives. The results of Chi-square tests indicated that perceived saving motives were different in terms of the household's home ownership, marital status, number of children, life cycle stage, employment status, income, asset and debt categories, net... Read More >

Sharon A. DeVaney

The purpose of this study was to examine the usefulness of financial ratios as predictors of household insolvency. Financial ratios were developed for 1,934 households using data from the Survey of Consumer Finances. Two statistical methods---logistic regression and a classification tree procedure (CART)---were used for analysis. The 1983 Liquidity ratio... Read More >