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This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. It describes a qualitative field study of librarians’ perceptions of the challenges in offering financial literacy-based More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
Low and moderate-income households are less likely to plan for long term financial goals, including retirement. Targeting low and moderate income households with efficient and effective financial education and planning interventions is challenging because intensive financial planning services are More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
Abstract: American parents, teachers, and policymakers generally express strong support for personal financial education for high school students, despite a need for further research to determine if such education is effective in improving long-term decision-making capabilities. However, research More information...
Audience: Researcher
Type of Resource: Report
Date: 9/1/2011
Homeownership counseling can help consumers learn about buying a home and give them tools to deal with setbacks that could keep them from making timely mortgage payments. The Department of Housing and Urban Development (HUD) approves and provides grants to housing counseling agencies and has also More information...
Audience: Researcher
Type of Resource: Testimony
Date: 9/1/2011
This letter provides additional information about federal financial literacy activities that were addressed in two reports to Congress issued in March 2011, Opportunities to Reduce Potential Duplication in Government Programs, Save Tax Dollars, and Enhance Revenue and List of Selected Federal More information...
Audience: Researcher
Type of Resource: Letter
Date: 7/1/2011
In response to a mandate in the Dodd-Frank Wall Street Reform and Consumer Protection Act, this report addresses (1) what is known about which methods and strategies are effective for improving financial literacy, and (2) the feasibility of a process for certifying financial literacy providers. More information...
Audience: Researcher
Type of Resource: Report
Date: 6/1/2011
This paper addresses the important issue of the savings that people use in response to unexpected expenses. This savings, which we refer to as emergency savings, serves as a form of insurance against non-routine expenditures such as a car repair or unforeseen medical expense. Failing to adequately More information...
Audience: Researcher
Type of Resource: Working paper
Date: 6/1/2011
This paper examines whether rising house prices immediately prior to children entering their college years impacts their intergenerational earnings mobility and/or educational outcomes. Higher house prices provide homeowners, especially liquidity constrained ones, with additional funding to invest More information...
Audience: Researcher
Type of Resource: Working paper
Date: 6/1/2011
This testimony discusses (1) the state of the federal government’s approach to financial literacy, (2) observations on overall strategies for addressing financial literacy, and (3) the role GAO can play in addressing and raising awareness on this issue. This testimony is based largely on prior and More information...
Audience: Researcher
Type of Resource: Testimony
Date: 4/1/2011
This paper highlights the extent and effects of financial illiteracy on American households, reviews previous efforts to promote financial literacy, and discusses new directions for such initiatives. None of the traditional approaches to financial literacy – employer-based, school-based, credit More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/1/2011