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A report, Opportunities to Improve the Financial Capability and Financial Wellbeing of Postsecondary Students, has been prepared by the Financial Literacy and Education Commission (FLEC) and describes the state of financial education among postsecondary students. The report describes current More information...
Audience: Individual Researcher Teacher Youth
Type of Resource: Report
Tags: ​ Postsecondary Education, Financial Literacy, Financial Capability
Date: 7/22/2015
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: 7/17/2014
This study explores the relationship between general human capital investment, financial knowledge, occupational spillovers, and the accumulation of wealth in a primarily descriptive manner. Drawing upon human capital theory and following previous related work by Delavande, Rohwedder and Willis More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This paper explores the determinants of people’s decisions to take 401(k) loans. We argue that 401(k) plans do not simply represent retirement saving, but they also provide a means of saving for precautionary purposes. We model factors that rationally would induce people to borrow from their More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This environmental scan focuses on financial and/or health literacy initiatives for low-income or underserved consumers. AIR conducted a review of literature from 2005 through 2010 and conducted interviews with program officials from Federal agencies and private organizations to develop key More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
A key issue in designing any individual accounts program is how many and what mix of investment options to provide to participants. While standard economic theory suggests that more choice is always better, this paper provides evidence from 401(k) plans that more choice does not necessarily lead More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/26/2012
This paper presents the results of a field experiment in which a random subsample of older workers was given information about key Social Security provisions, while a control group was not. The experiment was designed to examine whether it is possible to affect individual behavior using a More information...
Audience: Researcher
Date: 3/24/2012
Although the popular press and politicians often describe 401(k) loans as a problem, classical economic theory has a more benign view. Loans from a 401(k) can relax liquidity constraints and increase household utility. Moreover, loan provisions may have the subtle effect of raising net asset More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This study assessed the financial literacy of rural Oklahomans age 65 and older, their current use of and attitudes towards using credit cards and other types of consumer debt, and the consequences of increased debt for this population, based on a survey of 106 individuals. Overall, the financial More information...
Audience: Researcher
Type of Resource: Report
Date: 3/27/2012
This journal article examines how the surge in home values between 2000 and 2006 and the drop in prices since then are related to the demand for reverse mortgage loans in the United States. It also investigates the relationship between recent trends in reverse mortgages and borrower characteristisc More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012