Journal of Financial Counseling and Planning

Articles

Vol. 24, No. 1, 2013

Financial and Relationship Satisfaction as a Function of Harsh Start-Up and Shared Goals and Values
A path model was developed to test hypothesized associations among financial satisfaction, harsh start-up, shared goals and values, and relationship satisfaction. It was noted that a partner's perceived financial satisfaction was directly associated...
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Academic Discipline and Personal Finance Instruction in High School
Despite public support for personal finance instruction in high school, its effectiveness has not been firmly established. The current study investigates instructional approaches as a reason for these inconsistent outcomes by comparing survey responses...
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The Impact of Stock and Real Estate Returns on the Propensity of Households to Meet the Capital Accumulation Ratio Guideline
The current study investigates the impact of substantial economic fluctuations on household portfolios and analyzes how the fluctuations influence households' propensities to meet the capital accumulation ratio threshold of 25%. The 1992 to 2007 Survey...
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Inmate Perceptions of Financial Education Needs: Suggestions for Financial Educators
Recently, national attention has turned to the need for increased financial education, particularly for low-income populations. Incarcerated individuals represent a growing low-income group with unique needs that could likely benefit from financial education....
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Childhood Financial Socialization and Young Adults' Financial Management
The current study investigates the association between childhood financial socialization and financial practices and asset choices of young adults, using a nationally representative dataset. Results revealed that childhood financial socialization experiences...
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Borrow: The American Way of Debt
Borrow: The American Way of Debt Peter A. Kindle Author: Louis Hyman Publisher: Vintage Books (2012) ISBN: 978-0-307-74168-4Not every attempt to share academic research with a broader general audience has been accomplished with the finesse, style, and...
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Broke: How Debt Bankrupts the Middle Class
Broke: How Debt Bankrupts the Middle Class Barbara O'Neill Author: Katherine Porter Publisher: Stanford University Press (2012) ISBN: 978-0-8047-7701-8Broke: How Debt Bankrupts the Middle Class is a mustread book for Journal of Financial Counseling and...
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Mathematical Finance
Mathematical Finance Elizabeth Kiss Author: M. J. Alhabeeb Publisher: John Wiley & Sons, Inc. (2012) ISBN: 978-0-470-64184-2With the widespread availability of online calculators and other tools that automate the mathematical computations of personal...
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Vol. 23, No. 2, 2012

Choosing and Changing Financial Advisors: An fMRI Study of Associated Brain Activations
Changing financial advisors during an advisor-intermediated stock-market game was more likely during periods of relative underperformance. Immediately prior to changing advisors, brain activation was greater in areas associated with error detection (dorsal...
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New Adolescent Money Attitude Scales: Entitlement and Conscientiousness
The development of two new money-attitude scales measuring entitlement and conscientiousness in adolescents are described. The scales were developed through student and focus group input and from a review of literature on entitlement and conscientiousness...
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Rational Choice with Complex Products: Consumer Valuation of Annuities
This study explores consumers' ability to accurately estimate the value of a life annuity product. Using a special experimental module from the 2008 Health and Retirement Study, higher levels of financial sophistication and numeracy showed no impact...
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The Influence of a Financial Management Course on Couples' Relationship Quality
This mixed-methods study investigated the influence of a financial management course on couples' relationship quality. Based on family stress theory, we hypothesized that couples who attended the course would report an improvement in their relationship...
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Bonds: The Unbeaten Path to Secure Investment Growth
Bonds: The Unbeaten Path to Secure Investment Growth Author: Hildy Richelson and Stan Richelson Publisher: Bloomberg Press, Second Edition (2011) ISBN: 978-1-118-00446-3It is fair to say that when various investments are discussed, whether in the classroom...
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Outstanding AFCPE^sup ®^ Conference Paper: Debt Burden of Young Adults in the United States
Factors associated with the borrowing behavior of young adults who are transitioning from financial dependence to financial independence were identified. Data used were from the 2009 Transition to Adulthood and its parental companion data set, Panel...
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What Investors Really Want
What Investors Really Want Author: Meir Statman Publisher: McGraw-Hill (2011) ISBN: 978-0-07-174165-1What Investors Really Want covers a broad swath of what motivates investors and how they can make better decisions. It is well researched and contains...
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The Power of Habit: Why We Do What We Do in Life and Business
The Power of Habit: Why We Do What We Do In Life and Business Author: Charles Duhigg Publisher: Random House (2012) ISBN: 978-1-400-06928-6Could The Power of Habit teach me how to get into the habit of regularly reviewing my finances? Drawing on anecdotes,...
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Vol. 23, No. 1, 2012

The Kids Are All Right: Generational Differences in Responses to the Great Recession
Data from a university survey of 2,799 employees were examined to determine age cohort differences in retirement planning activities in the aftermath of the Great Recession. A life course approach and logistic regression were used to assess whether members...
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Connections to Economic Prosperity: Money Aspirations from Adolescence to Emerging Adulthood
This study examines the "living well" aspirations of an emerging adult sample and compares them with earlier results of middle and high school samples. The tenor of emerging adult responses was more stridently extrinsic and more convincingly intrinsic...
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Financial Behaviors before and after the Financial Crisis: Evidence from an Online Survey
This study investigated the performance of 20 financial practices before and after the recent global financial crisis. Data were obtained from an online financial self-assessment tool using responses collected from January 2005 through December 2010....
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Motivating Women to Adopt Positive Financial Behaviors
In a strengths-based study, 17 women ages 25 to 54 participated in focus groups to identify their motivations for positive financial behavior change. Performing a thematic analysis of data, evidence shows they progressed through the Transtheoretical...
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Shortchanged: Life and Debt in the Fringe Economy
Shortchanged: Life and Debt in the Fringe Economy Kelli Jo Anthon Author: Howard Karger Publisher: Berrett-Koehler Publishers, Inc. (2005) ISBN: 978-1-57675-336-19Shortchanged: Life and Debt in the Fringe Economy, was written by Howard Karger, a Professor...
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7twelve: A Diversified Investment Portfolio with a Plan
7Twelve: A Diversified Investment Portfolio with a Plan Rebecca J. Travnichek Author: Craig L. Israelsen Publisher: John Wiley & Sons, Inc. (2010) ISBN: 978-0-470-60527-1In the Preface of the book, 7Twelve: A Diversified Investment Portfolio with...
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Drive: The Surprising Truth about What Motivates Us
Drive: The Surprising Truth About What Motivates Us Tim S. Griesdorn Author: Daniel H. Pink Publisher: Riverhead Books (2009) ISBN: 978-1-59448-884-9Daniel Pink is no stranger to the New York Times bestseller list, and his latest book, Drive: The Surprising...
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Relationship of Saving Motives to Saving Habits
This study examines how saving motives are related to saving habits using Katona's (1975) psychological classification of saving, where households save regularly (discretionary), save irregularly (residual), or do not save. Of the 3,822 non-retired households...
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Vol. 22, No. 1, 2011

Nudge: Improving Decisions about Health, Wealth, and Happiness
Nudge: Improving Decisions About Health, Wealth, and Happiness Authors: Richard H. Thaler and Cass R. Sunstein Publisher: Penguin Group (2009) ISBN 978-0-14-311526-7How many people skip the introduction of a book and jump right into Chapter 1? Doing...
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The Financial Management Behavior Scale: Development and Validation
Although research on financial management behavior is common, few financial management behavior scales exist that are simultaneously multi-dimensional, psychometrically validated, and validated using nationally representative data. Using data from a...
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Financial Advice: Who Pays
Using a cost-benefit framework for financial planning services and proprietary data collected in the summer of 2008, the client characteristics that are associated with the likelihood of paying for professional financial advice, as well as the type of...
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College-Based Personal Finance Education: Student Interest in Three Delivery Methods
Using online survey responses from 509 undergraduate students, three financial education methods (on-campus financial counseling center, online financial management resources, and in-person educational workshops) were examined. Using a social constructionist...
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Outcomes of On-Line Financial Education for Chronically Ill Rural Women
This research was part of a larger longitudinal study of chronically ill rural women to determine if computer technology could be effective in allowing the women to take control of their own well-being, including finances. The current study examined...
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Broke, USA: From Pawnshops to Poverty, Inc. How the Working Poor Became Big Business
Broke, USA: From Pawnshops to Poverty, Inc. How the Working Poor Became Big Business Author: Gary Rivlin Publisher: Harper Business (2010) ISBN 978-0-06-173321-5Journal of Financial Counseling and Planning readers are well acquainted with the "alternative...
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Financial Planning and Counseling Scales
Financial Planning and Counseling Scales Editors: John E. Grable, Kristy L. Archuleta, and R. Roudi Nazarinia Publisher: Springer (2011) ISBN 978-1-4419-6907-1This book features over 200 scales and other measurement tools useful in a field which defines...
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Financial Knowledge and Best Practice Behavior
The current research examines the relationship between personal financial knowledge (both objective and subjective), financial satisfaction, and selected demographic variables in terms of best practice financial behavior. Data are taken from the Financial...
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Vol. 21, No. 2, 2010

Financial Planners: Educating Widows in Personal Financial Planning
Widows constitute a growing segment of the U.S. population; however, very little has been done to educate them on the basics of personal financial planning. The creation and implementation of financial planning education programs for widows can help...
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Assessing Financial Wellness Via Computer-Assisted Telephone Interviews
The current study reports on the first use of the Personal Financial Wellness ScaleTM in random-digit-dial computer-assisted telephone interviews. The scale was modified for telephone interviews, fielded in a survey of 515 married adults, then assessed...
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Measuring the Perception of Financial Risk Tolerance: A Tale of Two Measures
The assessment of financial risk tolerance, as a tool for managing expectations of portfolio volatility, is essential to goal attainment. This study compares two empirical measures of risk tolerance and separately examines the association between these...
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Racial/Ethnic Differences in High Return Investment Ownership: A Decomposition Analysis
The racial/ethnic disparities of risky asset ownership were investigated. In the 2004 and 2007 Survey of Consumer Finances datasets, 30% of Hispanic, 36% of Black, and 65% of White households had high return investments such as stocks, investment real...
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The New Frugality: How to Consume Less, Save More, and Live Better
The New Frugality: How to Consume Less, Save More, and Live BetterAuthor: Chris FarrellPublisher: Bloomsbury Press (2010)ISBN 978-1-59691-660-9Chris Farrell is the economics editor for Marketplace Money, a weekly personal finance show syndicated nationally...
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Master Your Debt: Slash Your Monthly Payments and Become Debt-Free
Master Your Debt: Slash Your Monthly Payments and Become Debt-FreeAuthor: Jordan E. Goodman with Bill WestromPublisher: Johns Wiley & Sons, Inc. (2010)ISBN 978-0-470-48424-1For a quick read that can add new tools to a practitioner's counseling and...
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How We Decide
How We DecideAuthor: Jonah LehrerPublisher: Mariner Books (2009)ISBN 978-0-547-24799-1On the day that I made one of the biggest decisions of my life (to support and fight for the "no artificial nutrition and hydration through an invasive procedure" clause...
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2010 Outstanding AFCPE® Conference Paper: Gender Differences in Financial Socialization and Willingness to Take Financial Risks
Social learning and gender role theories were used as a basis for exploring gender differences in financial socialization as they relate to financial risk-taking. A stratified random sampling technique was used to conduct a web-based survey of 15,797...
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Vol. 21, No. 1, 2010

Two Decades of the Journal of Financial Counseling and Planning
Now in its third decade, the Journal of Financial Counseling and Planning evolved to serve the needs of an international research community. The content analysis presented here focuses on the patterns in the second decade of publication (2000-2009),...
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Gender Differences in Personal Saving Behaviors
Gender differences in personal saving behaviors among single person households were investigated using the 2007 Survey of Consumer Finances (SCF). Determinants of short-term and regular saving behavior were found to differ by gender. Women (n = 702)...
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Online Investment Education: Listening to Learners to Develop an Effective Financial Literacy Program for Farm Households
A needs assessment was conducted for the adaptation of an existing online Cooperative Extension investment course for use by farm households. The theoretical model was Social Marketing Theory. Data about financial attitudes, practices, and learning preferences...
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Weaknesses of Housing Affordability Indices Used by Practitioners
The subprime mortgage and foreclosure meltdown of 2007-2008 emphasized the need for a re-conceptualization of measures of an individual household's ability to afford housing. A clear link needs to be established between what a household can afford and...
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The Role of Assertiveness in Portfolio Risk and Financial Risk Tolerance among Married Couples
The financial risk tolerance of married couples was examined in order to determine if assertiveness impacted their financial decisions. Education, gender, asset ownership, relative income, and the wife's cohort were considered to ascertain the possible...
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How to Smell a Rat: The Five Signs of Financial Fraud
How to Smell a Rat: The Five Signs of Financial FraudAuthor: Ken Fisher with Lara HoffmansPublisher: John Wiley & Sons, Inc. (2009)ISBN 978-0-470-52653-8Author Ken Fisher was motivated to write this book by the discovery of some "big, ugly, heinous...
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Busted: Life Inside the Great Mortgage Meltdown
Busted: Life Inside the Great Mortgage MeltdownAuthor: Edmund L. AndrewsPublisher: W.W. Norton & Company (2009)ISBN 978-0-393-06794-1"If there is anybody who should have avoided the mortgage catastrophe, it is me," opens Edmund Andrews, a self-described...
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Striving to Save: Creating Policies for Financial Security of Low-Income Families
Striving to Save: Creating Policies for Financial Security of Low-Income FamiliesAuthor: Margaret Sherrard Sherraden and Amanda Moore McBride with Sondra G. BeverlyPublisher: The University of Michigan Press (2010)ISBN 978-0-472-11712-3One of the perks...
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Vol. 20, No. 2, 2009

Transforming Access to the Journal of Financial Counseling and Planning
The Journal of Financial Counseling and Planning has been consciously adapting to the emerging publication trends among business periodicals for the past several years. Since 2006, efforts to improve the visibility of and access to JFCP have included...
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Financial Management Practices and Money Attitudes as Determinants of Financial Problems and Dissatisfaction in Young Male Australian Workers
The study examined the determinants of financial problems and dissatisfaction and the degree to which experiencing financial problems and dissatisfaction influenced attitudes towards financial counseling in a sample of 400 young male Australian workers....
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Enhancing Cultural Competence in Financial Counseling and Planning: Understanding Why Families Make Religious Contributions
Some highly religious individuals contribute a relatively high percent of their income (e.g., 10 - 15% or more) to their faith communities. This study used a racially and religiously diverse sample and employed qualitative methods to investigate why...
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The Intermingling of Family and Business Financial Resources: Understanding the Copreneurial Couple
Couples who share a personal relationship and a business are referred to as copreneurs. This study compared the financial intermingling behaviors of copreneurial and noncopreneurial family business owners using the 1997 and 2000 panels of the National...
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Utilizing the Theory of Planned Behavior to Understand Convenience Use of Credit Cards
Utilizing the theory of planned behavior, factors influencing convenience use of credit cards were investigated. The analysis was prepared using data from 3,476 households in the 2004 Survey of Consumer Finances. Results from logistic regression indicated...
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2009 Outstanding AFCPE® Conference Paper Teachers' Background and Capacity to Teach Personal Finance: Results of a National Study
An on-line survey of K-12 teachers was conducted to determine teachers' background and capacity to teach personal finance. Results indicate that while teachers recognize the importance of teaching personal finance, few have had formal preparation for...
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Investing in a Sustainable World
Investing in a Sustainable World Barbara O'Neill Author: Matthew J. Kiernan Publisher: American Management Association ISBN 13-978-0-8144-1092-9According to a study reported in the April 2009 Journal of Financial Planning, many investors are interested...
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Whatever Happened to Thrift?: Why Americans Don't Save and What to Do about It
Whatever Happened to Thrift?: Why Americans Don't Save and What to Do About It Rebecca J. Travnichek Author: Ronald T. Wilcox Publisher: Yale University Press ISBN 978-0-300-12451-4Whatever Happened to Thrift?: Why Americans Don't Save and What to Do...
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Consumer Economics: Issues and Behavior
Consumer Economics: Issues and Behavior Sharon A. DeVaney Author: Elizabeth B. Goldsmith Publisher: Prentice Hall ISBN: 978-013-159049-6The author of Consumer Economics: Issues and Behavior, Elizabeth Goldsmith, is a Professor at Florida State University....
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Vol. 19, No. 1, 2008

Spousal Differences in Financial Risk Tolerance
Differences in husbands' and wives' tolerance for financial risk were analyzed, including an investigation of demographic variables previously found to be significant between men and women in predicting financial risk tolerance. The sample consisted...
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HOPE or No-HOPE: Merit-Based College Scholarship Status and Financial Behaviors among College Students
The current study explored differences in financial behaviors between college students in Georgia who retained the merit-based HOPE Scholarship and those who lost it. Logistic regression was used to analyze data from a sample of 557 undergraduate students...
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Valuing the Implementation of Financial Literacy Education
Placing a monetary value on education is a complex task. A more difficult task is to determine at what monetary level individuals will support educational improvements. The contingent valuation method was used to estimate the value of the implementation...
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The Influence of Perceived Spending Behaviors on Relationship Satisfaction
Financial spending behaviors and relationship satisfaction are generally thought to be linked for many couples. The current study examined how perceived personal, partner, and joint spending behaviors influence relationship satisfaction. The sample consisted...
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Money Aspirations about Living Well: Middle School Student Perceptions
Adolescent aspirations associated with perceptions of "living well" were qualitatively evaluated based on 187 middle school student responses. Using grounded theory methodology, 976 words and phrases were coded and grouped; 41.9% were extrinsic, 36.3%...
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Family Economics Research Priorities Set
During the 2005, 2006, and 2007 annual meetings, members of the Family Economics Research Coordinating Committee (NCCC052) developed three national research priorities for family economics research. This committee, functioning under the National Agricultural...
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Handbook of Consumer Finance Research
Handbook of Consumer Finance Research Sharon A. DeVaney Editor: Jing J. XiaJing Xiao Publisher: Springer (2008) ISBN: 978-0-387-75733-9This handbook consists of 25 chapters organized into four sections: basic concepts and theories, the Internet, special...
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Winning with Options
Winning with Options John E. Grable Author: Michael C. Thomsett Publisher: AMACOM (2008) ISBN: 978-0814400333Given the recent volatility in the securities markets, investors are beginning to question long-held beliefs about what is safe and what is risky...
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Affluenza: The All-Consuming Epidemic (2Nd Edition)
Affluenza: The All-Consuming Epidemic (2nd Edition) Barbara O'Neill Author: John De Graaf, David Wann, and Thomas H. Naylor Publisher: Berrett,Koehler Publishers, Inc. ISBN: 10,1,57675,357,3Affluenza: The All,Consuming Epidemic is a "must read" for any...
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Vol. 18, No. 2, 2007

You Can Do It: The Boomer's Guide to a Great Retirement
You Can Do It: The Boomers Guide to a Great Retirement Barbara O'Neill Author: Jonathan Pond Publisher: HarperCollins (2007) ISBN: 10:0-06-112138-XIn You Can Do It: The Boomer's Guide to a Great Retirement, financial journalist Jonathan Pond repeatedly...
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The Risk Tolerance and Stock Ownership of Business Owning Households
Data from the 1992-2004 Survey of Consumer Finances were used to examine the risk tolerance and stock ownership of three types of households: those that do not own a business, those that own and manage a business, and those that own but do not manage...
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Teen Financial Knowledge, Self-Efficacy, and Behavior: A Gendered View
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....
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Income Quintiles: Examining Changes in the Characteristics of Respondents
This research identified the characteristics of respondents in different quintiles of the income distribution using data from the three most recent Surveys of Consumer Finances (1998, 2001, and 2004). Using multinomial logistic regression, each quintile...
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Women's High-Consequence Decision Making: A Nonstatic and Complex Choice Process
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...
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Assessing the Use and Usefulness of Current Financial Resources for Civilian Military Spouses
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...
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The Citi Commonsense Money Guide for Real People
The Citi Commonsense Money Guide for Real People Barbara O'Neill Editor: Dara Duguay Publisher: Rodale Press (2007) ISBN: 13 978-1-59486-348-6At the 2007 Jump$tart Coalition annual fundraising dinner in Washington, DC, everyone in attendance was given...
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The World Is Flat: A Brief History of the Twenty-First Century
The World is Flat: A Brief History of the Twenty-First Century Tim S. Griesdorn Author: Thomas L. Friedman Publisher: Farrar, Straus, and Giroux (2005) ISBN: 0-374-29279-5Technology and other factors have made the world a smaller place, or as Thomas...
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Is Time Running out? Savings and Investments of Renters Nearing Retirement Age
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 "mental accounting" suggests that there may...
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Vol. 18, No. 1, 2007

Specific Elements of Communication That Affect Trust and Commitment in the Financial Planning Process
This study used survey data from 554 planners and 128 clients of those planners to examine the relationship between specific communication tasks, communication skills, communication topics, and client trust in and commitment to their financial planner...
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The Financial Counseling and Planning Indexing Project: Establishing a Correlation between Indexing, Total Citations, and Library Holdings
The researcher hypothesized that increasing the number of indexing services covering a journal would increase library holdings and total citations for the journal. A sample group of 40 Journal Citation Reports (JCR) journals in the "Business, Finance"...
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Analysis of Mortgage Default Clients and Mortgage Default Counseling at a Housing Counseling Agency
The purposes of the study were to create a profile of the mortgage default clientele and to examine how clientele were utilizing the counseling services at a housing counseling center. Aspects considered were loan type, time of delinquency when clients...
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Examining Participation Behavior in Defined Contribution Plans Using the Transtheoretical Model of Behavior Change
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:...
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Asset Ownership by Black and White Families
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...
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Personal Finance: An Interdisciplinary Profession
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...
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Who's Afraid to Be a Millionaire? Mastering Financial and Emotional Success
Who's Afraid to Be a Millionaire? Mastering Financial and Emotional Success Gordon Genovese Author: Kelvin E. Boston Publisher: John Wiley & Sons, Inc. (2006) ISBN 0-470-06799-3I have had the pleasure of listening to Kelvin Boston deliver two keynote...
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The Couples Contract for a Lasting Relationship
The Couples Contract for a Lasting Relationship Lance Palmer Authors: Ed Sherman and Bruce Janke Publisher: Nolo Press Occidental (2006) ISBN 0-944508-58-8I found The Couples Contract for a Lasting Relationship by Ed Sherman and Bruce Janke to be another...
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Vol. 17, No. 2, 2006

Translating Financial Education into Behavior Change for Low-Income Populations
The impact that financial education had on the financial behaviors of (a) the agency staff who were trained to deliver the program and (b) the low-income individuals who participated in the program was investigated. Specifically, the researchers examined...
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The Effect of Self-Control Mechanisms on Household Saving Behavior
The Survey of Consumer Finances was used to assess the explanatory power of self-control mechanisms, controlling for other important constructs from the standard life cycle model of saving. The analysis focused on saving goals, foreseeable expenses,...
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Preparedness for Financial Emergencies: Evidence from the Survey of Consumer Finances
The 1998 and 2001 Survey of Consumer Finances were used to compare the emergency fund adequacy of households. A low percentage of households met the 2-month, 3-month, and 6-month income guidelines for the quick, intermediate, and comprehensive measures...
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Changes in Health, Negative Financial Events, and Financial Distress/Financial Well-Being for Debt Management Program Clients
The study explored the relationship between health and financial distress/financial well-being and differences in health based on (a) time spent in a debt management program (DMP) and (b) occurrence of negative financial events. Spearman's rho indicated...
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Financing Long Term Care: Risk Management Intentions and Behaviors of Couples
Qualitative methods were used to examine how couples perceive and articulate their intentions and behaviors in regard to managing the risk of financing long term care. Two overall decision making styles for addressing the risk of long term care were...
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The Logic of Failure: Recognizing and Avoiding Error in Complex Situations
The Logic of Failure: Recognizing and Avoiding Error in Complex Situations Author: Dietrich Dorner Publisher: Basic Books (1989) ISBN 0-201-47948-6Not that long ago I was reading The Wall Street Journal and came across an interview with Michael Creighton,...
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Smart and Simple Financial Strategies for Busy People
Smart and Simple Financial Strategies for Busy People Author: Jane Bryant Quinn Publisher: Simon and Schuster (2006) ISBN 13:978-0-7432-6994-0Time availability is an important factor in the performance of recommended financial practices. Several recent...
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Racial Differences in Risky Asset Ownership: A Two-Stage Model of the Investment Decision-Making Process
The current study establishes a two-stage investment decision-making model in order to examine the impact of race on investment behavior. Results show that although Blacks are less likely to own stocks than Whites, once ownership is accounted for, there...
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Credit Scores and Credit Reports
Credit Scores and Credit Reports Author: Evan Hendricks Publisher: Privacy Times, Inc. (2005) ISBN 0-9645486-3-1For professionals who teach or counsel clients about credit use, credit reports, and credit scoring, Evan Hendricks' 390-page tome, Credit...
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