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Using the Wisconsin Longitudinal Study, a sample of Wisconsin high school graduates from the class of 1957, we unpack the relationship between general human capital and late-life financial literacy. In short, we examine the links between cognition and financial literacy. We find that those with More information...
Audience: Researcher
Type of Resource: Working paper
Date: 10/1/2011
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
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
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
Abstract: We study the trend in household income uncertainty using a novel approach that measures income uncertainty as the variance of forecast errors at each future horizon separately without imposing parametric restrictions on the underlying income shocks. We find that household income More information...
Audience: Researcher
Type of Resource: Working paper
Date: 5/1/2011
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
In response to a mandate in the Credit Card Accountability Responsibility and Disclosure Act of 2009, this report reviews dept protection product market share and characteristics, federal and state oversight, and advantages and disadvantages to consumers. For this report, GAO analyzed data it had More information...
Audience: Researcher
Type of Resource: Report
Date: 3/1/2011