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De Moor, Lieven; Verschetze, Lindsey – Journal of Financial Counseling and Planning, 2017
The purpose of this article is to assess the student teachers' capacity and willingness to teach financial literacy in Flanders via on-site paper surveys of 368 final-year teacher education students. We argue that the Flemish teacher education program needs to be revised to introduce financial education in secondary schools. We find that revisions…
Descriptors: Teaching Methods, Money Management, Literacy, Student Teacher Attitudes
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Kim, Jinhee; Gutter, Michael S.; Spangler, Taylor – Journal of Financial Counseling and Planning, 2017
This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most…
Descriptors: Money Management, Decision Making, Family (Sociological Unit), Counseling Techniques
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Hunter, Jennifer L.; Heath, Claudia J. – Journal of Financial Counseling and Planning, 2017
This article uses a random digit dial probability sample (N = 328) to examine the relationship between credit card use behaviors and household well-being during a period of severe economic recession: The Great Recession. The ability to measure the role of credit card use during a period of recession provides unique insights to the study of credit…
Descriptors: Credit (Finance), Consumer Economics, Well Being, Family (Sociological Unit)
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Ssebagala, Ralph Abbey – Journal of Financial Counseling and Planning, 2017
A large fraction of South African consumers are highly leveraged, inadequately insured, and/or own little to no assets of value, which increases their exposure not only to idiosyncratic risk but also to severe indebtedness and/or default. This scenario can present negative ramifications that lead well beyond the confines of individual households.…
Descriptors: Foreign Countries, Debt (Financial), Consumer Economics, Legislation
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Zagorsky, Jay L. – Journal of Financial Counseling and Planning, 2017
This research investigates if ethical behaviors and personal finances are related using a large scale U.S. random survey called the National Longitudinal Survey of Youth 1997 (NLSY97). Fifteen indicators covering both ethical and unethical behaviors are compared to net worth for people in their 20s and 30s, who are called Generation Y. Breaking…
Descriptors: Ethics, Money Management, Behavior Patterns, Correlation
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Kim, Kyoung Tae; Wilmarth, Melissa J.; Henager, Robin – Journal of Financial Counseling and Planning, 2017
This study analyzed the debt profile of low-income households before and after the Great Recession using the 2007, 2010, and 2013 Survey of Consumer Finances (SCF). We used Heckman selection models to investigate three debt characteristics: (a) the amount of debt, (b) debt-to-income ratio, and (c) debt delinquency. Before and after the Great…
Descriptors: Poverty, Debt (Financial), Low Income Groups, Economic Climate
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Seay, Martin C.; Preece, Gloria L.; Le, Vincent C. – Journal of Financial Counseling and Planning, 2017
This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…
Descriptors: Money Management, Debt (Financial), Real Estate, Correlation
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Collins, J. Michael – Journal of Financial Counseling and Planning, 2017
Field experiments, which are a powerful research technique, are common in some fields, but they have not been widely used in studying the effect of financial and counseling planning interventions. Financial services can benefit from the expanded use of field experiments to explore potential causal mechanisms for the effects of financial planning…
Descriptors: Field Studies, Money Management, Counseling Services, Intervention
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Danes, Sharon M.; Garbow, Jennifer; Jokela, Becky Hagen – Journal of Financial Counseling and Planning, 2016
Study investigates distal and proximal contextual influences of the American Indian culture that affect financial decisions and behaviors. Primary household financial managers were interviewed. Study was grounded in Deacon and Firebaugh's "Family Resource Management" theory. Findings indicated that American Indians view many concepts…
Descriptors: Money Management, American Indians, American Indian Culture, Well Being
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Chen, Leon; Severns, Roger – Journal of Financial Counseling and Planning, 2016
We conducted an annual survey of undergraduate students taking finance courses over the past 5 years (2009-2014). Our results showed that although more than 70% of students considered the financial planning profession to some extent, the percentage of students who had seriously considered it declined over time, despite the increasing number of new…
Descriptors: Undergraduate Students, Regression (Statistics), Student Attitudes, Financial Services
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Britt, Sonya L.; Mendiola, Melanie R.; Schink, Gregory H.; Tibbetts, Racquel H.; Jones, Scott H. – Journal of Financial Counseling and Planning, 2016
The impact of financial stress on college students can range from psychological distress to adverse academic outcomes. The purpose of this study was to identify how resources and perceptions alter the amount of financial stress felt by college students and how this relates to academic achievement. Results from 2,236 Midwestern college students…
Descriptors: Stress Variables, Coping, Academic Achievement, Psychological Patterns
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Johnson, Carrie L.; O'Neill, Barbara; Worthy, Sheri Lokken; Lown, Jean M.; Bowen, Cathy F. – Journal of Financial Counseling and Planning, 2016
This study used data from online focus groups collected from November 2014 to April 2015 to understand college students' decision-making processes when borrowing money to finance their education. Data were collected using an online course management system. Results suggest that (a) students relied heavily on advice from parents, guidance…
Descriptors: Student Loan Programs, Debt (Financial), Paying for College, Loan Repayment
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Hsua, Chungwen – Journal of Financial Counseling and Planning, 2016
This study examined how retirement planning information search was related to retirement savings of working women. By controlling for sociodemographic variables, the study further explored factors associated with individual information sources for retirement planning. An online survey was developed to collect data from a national population,…
Descriptors: Information Sources, Retirement, Employed Women, Money Management
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Henager, Robin; Cude, Brenda J. – Journal of Financial Counseling and Planning, 2016
The purpose of this study was to examine the relationship between financial literacy and financial behaviors among various age groups. Financial literacy was measured in three ways: objective financial knowledge, subjective financial knowledge or confidence, and subjective financial management ability. The age groups were 18-24, 25-34, 35-44,…
Descriptors: Money Management, Age Differences, Literacy, Correlation
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Bhattacharya, Radha; Gill, Andrew; Stanley, Denise – Journal of Financial Counseling and Planning, 2016
We examine improvements in financial knowledge for 8th-grade participants in our financial fitness camp, part of our multifaceted financial literacy program. Eighty-three students enrolled in the camp, and 59 had individual development accounts (IDA). We address several issues raised in the literature by focusing on low-income, predominantly…
Descriptors: Money Management, Grade 8, Knowledge Level, Low Income Students
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