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This article provides a plain-language description of behavioral economics and the role of common biases in financial decisionmaking, and reviews ways in which the findings of behavioral economics can help structure financial education and public policy. More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
This article presents best practices and lessons learnt from on the experiences of the National Endowment for Financial Education® (NEFE), a private, nonprofit, nonpartisan and noncommercial foundation committed to increas- ing access to financial education and to empowering in- dividuals to make More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
The U.S. Department of the Treasury and U.S. Department of Agriculture convened the National Research Symposium on Financial Literacy and Education on October 6-7, 2008 in Washington, DC. Twenty-nine experts from the fields of behavioral and consumer economics, financial risk assessment and More information...
Audience: Researcher
Type of Resource: Conference Proceedings
Date: 3/27/2012
In this paper we provide a comprehensive critical analysis of research that has investigated the impact of financial education programs on consumer financial behavior. In light of the evidence, we recommend that future programs be highly targeted towards a specific audience and area of financial More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The American Housing Survey (AHS) is the largest, regular national housing sample survey in the United States. The U.S. Census Bureau conducts the AHS to obtain up-to-date housing statistics for the Department of Housing and Urban Development (HUD). Although the focus of the AHS is on the housing More information...
Audience: Researcher
Type of Resource: Dataset
Date: 3/28/2012
This document summarizes the proceedings of the 2008 Research Seminar on Financial Education, hosted by the Federal Reserve Bank of Cleveland and provides links to presentations made by leading scholars of financial literacy. More information...
Audience: Researcher
Type of Resource: Conference Proceedings
Date: 3/27/2012
Approximately half of credit card holders in the United States regularly carry unpaid credit card debt. These so-called "revolvers" exhibit payment behavior that differs from that of those who repay their entire credit card balance every month. Previous literature has focused on the adoption of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
Abstract: American women tend to be less financially literate than men, which is consistent with a household division of labor in which men manage finances. However, women also tend to outlive their husbands, so they will eventually need to take over this task. Using a new survey of older couples, More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This report presents the results of a nationwide survey of rent-to-own customers. The survey found that most rent-to-own merchandise is ultimately purchased by the customer, most customers are satisfied with their rent-to-own transactions, and most customers are treated well if they are late making More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
Abstract: Recently, U.S. households have committed a rising share of disposable personal income to required principal and interest payments on household debt. Studies of the direct link between the household debt service ratio (DSR) and consumption show mixed results—perhaps because debt may More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012