This paper uses data from the Survey of Consumer Finances to determine the characteristics of people who obtained high-interest loans to meet their short-term financing needs. Results indicate that individuals who were denied credit in the past were one and a half times more likely to borrow...

The purpose of this research was to test the extent to which variability in husbands' and wives' self-assessed financial risk can be attributed to variation in risk tolerance or observer bias resulting from measurement error. Using a sample of 188 well-educated married couples, scores from the...

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 framework, the analysis controlled...

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 of 110 couples who completed a web-based...

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 from a large southeastern university....

A sustainable standard of living at retirement is an issue of great importance for most retirees, and is certainly a major consideration in the allocation of client portfolios for private wealth managers. This study uses historical returns and incorporates boot strapping techniques to determine...

Happiness and well-being are among the two most important goals for individuals approaching retirement and often form the basis of total income requirement during retirement. These goals are almost met when the household expenses are paid for, individual health is taken care of, and there is...

This study intends to investigate the extent and dynamics of financial advisory services, and their relationship to changes in the different financial assets held by households' in the United States, before and after the Great Recession, using the 2007-2009 panel of Survey of Consumer Finances...