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This article provides a brief overview of the field of financial education and explores some of the challenges and potential solutions. The author describes developments in the contemporary financial education movement since the 1990s and the background economic changes that stimulated its More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
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 discusses the results of and lessons learnt from the Financial Opportunities Project (FOP), a comprehensive effort by the Center for Economic Progress identify, implement, and disseminate strategies for integrating financial services and asset-building opportunities with More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
This article provides an overview of bank-based financial education. The role of banks more generally is reviewed, and examples of Marshall and Isley (M&I) Bank's Consumer Education (CE) program are discussed. Evaluation methods used by M&I are described. Key factors for success include clearly More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
This short article briefly summarizes and provides a link to the final report on the FDIC Survey of Bank Efforts to Serve the Unbanked and Underbanked. The survey was conducted in 2008 and the report was released in 2009. The FDIC retained Dove Consulting to help administer the survey of banks More information...
Audience: Researcher
Type of Resource: Article
Date: 3/27/2012
Individual savings are critical for retirement as government and employer-based provisions fade or become less secure. Rural communities are vulnerable given their higher proportion of elderly and more who rely on Social Security. Using a telephone survey of working-age residents in Michigan's More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
Abstract: The main factors underlying the rise in mortgage defaults appear to be declines in house prices and deteriorated underwriting standards, in particular an increase in loan-to-value ratios and in the share of mortgages with little or no documentation of income. Contrary to popular More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
Abstract: Homeownership among U.S. families increased notably in recent years, from 63.9% in 1989 to 66.2% in 1998. This paper examines this trend and the factors contributing to it. We find that (1) homeownership has risen for all racial, ethnic, and income groups, (2) the differences in More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
Many older US households have done little or no planning for retirement, and there is a substantial population that seems to undersave for retirement. Of particular concern is the relative position of older women, who are more vulnerable to old-age poverty due to their longer longevity. This paper More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012
We compare wealth holdings across two cohorts of the Health and Retirement Study: the early Baby Boomers in 2004, and individuals in the same age group in 1992. Levels and patterns of total net worth have changed relatively little over time, though Boomers rely more on housing equity than their More information...
Audience: Researcher
Type of Resource: Article Journal Peer-reviewed
Date: 3/27/2012