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Household financial planning can be challenging and household members often lack basic financial literacy skills. This paper discusses the potential and pitfalls of one approach to solving these problems—the development and dissemination of financial guidelines simple enough to be explained in More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
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: 3/27/2012
Financial decisions are compelled and constrained by non-financial factors. These include personality characteristics of individuals as well as the social environments in which decisions are made. This paper provides an overview of theories that seek to explain how non-financial factors influence More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
This paper summarizes lessons from interviews of 22 consumers who use general-purpose reloadable prepaid cards (PPCs), an emerging financial services product that provides transaction services not linked to a conventional checking or savings accounts. A majority of interviewees used PPCs as their More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
We analyze the impact of cognitive skills on two specific examples of consumer financial decisions where suboptimal behavior is well defined: first, the use of a credit card for a transaction after making a balance transfer on the account, and second, cases where individuals are penalized for More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The development and use of technology-based tools for financial literacy education has grown rapidly in recent years, often based on the presumption that digital media will enhance past practice. However, little attention has been given to understanding why such technologies may be expected to More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The University of Wisconsin’s Center for Financial Security and Abt Associates, Inc., conducted eight focus groups, four with adults with disabilities receiving SSDI or SSI benefits who work or want to work, and four with parents of children receiving SSI benefits and Medicaid coverage who are More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
The University of Wisconsin‘s Financial Literacy Research Consortium (UW-FLRC) and Abt Associates, Inc., conducted 18 focus groups with mostly low-income individuals to explore how community-based organizations might encourage better financial practices, including higher savings rates, among More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
An on-line survey of K-12 teachers was conducted to determine teachers’ background and capacity to teach personal finance. Results indicate that while teachers recognize the importance of teaching personal finance, few have had formal preparation for teaching this subject matter; also, the teaching More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012
While low-income households face significant barriers to saving or otherwise investing in the future, cash payments provided by public policies and programs provide opportunities to divert income from daily expenses. Using a variety of financial sophistication measures, we identify predictors of More information...
Audience: Researcher
Type of Resource: Working paper
Date: 3/27/2012