Overcoming The Saving Slump

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Overcoming the Saving Slump

Author : Annamaria Lusardi
Publisher : University of Chicago Press
ISBN 13 : 0226497100
Total Pages : 406 pages
Book Rating : 4.2/5 (264 download)

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Book Synopsis Overcoming the Saving Slump by : Annamaria Lusardi

Download or read book Overcoming the Saving Slump written by Annamaria Lusardi and published by University of Chicago Press. This book was released on 2009-10-15 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.

Overcoming Spiritual Slump

Author : Lenny Luchetti
Publisher :
ISBN 13 : 9781628249071
Total Pages : 0 pages
Book Rating : 4.2/5 (49 download)

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Book Synopsis Overcoming Spiritual Slump by : Lenny Luchetti

Download or read book Overcoming Spiritual Slump written by Lenny Luchetti and published by . This book was released on 2021 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Striving to Save

Author : Margaret Sherrard Sherraden
Publisher : University of Michigan Press
ISBN 13 : 0472117122
Total Pages : 336 pages
Book Rating : 4.4/5 (721 download)

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Book Synopsis Striving to Save by : Margaret Sherrard Sherraden

Download or read book Striving to Save written by Margaret Sherrard Sherraden and published by University of Michigan Press. This book was released on 2010-02-08 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: The struggles of low-income families trying to build savings accounts

Beyond Our Means

Author : Sheldon Garon
Publisher : Princeton University Press
ISBN 13 : 0691135991
Total Pages : 495 pages
Book Rating : 4.6/5 (911 download)

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Book Synopsis Beyond Our Means by : Sheldon Garon

Download or read book Beyond Our Means written by Sheldon Garon and published by Princeton University Press. This book was released on 2012 with total page 495 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Garon's insightful and provocative new book couldn't be more important, and couldn't be more timely. The prosperity of Americans, and America, now depends on creating a nation of savers and investors, and Garon shows us the way by bringing the experience and lessons of nations worldwide right into our hands."--Ray Boshara, senior fellow, "New America Foundation."

Escaping Paternalism

Author : Mario J. Rizzo
Publisher : Cambridge University Press
ISBN 13 : 1108775667
Total Pages : 509 pages
Book Rating : 4.1/5 (87 download)

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Book Synopsis Escaping Paternalism by : Mario J. Rizzo

Download or read book Escaping Paternalism written by Mario J. Rizzo and published by Cambridge University Press. This book was released on 2019-12-05 with total page 509 pages. Available in PDF, EPUB and Kindle. Book excerpt: The burgeoning field of behavioral economics has produced a new set of justifications for paternalism. This book challenges behavioral paternalism on multiple levels, from the abstract and conceptual to the pragmatic and applied. Behavioral paternalism relies on a needlessly restrictive definition of rational behavior. It neglects nonstandard preferences, experimentation, and self-discovery. It relies on behavioral research that is often incomplete and unreliable. It demands a level of knowledge from policymakers that they cannot reasonably obtain. It assumes a political process largely immune to the effects of ignorance, irrationality, and the influence of special interests and moralists. Overall, behavioral paternalism underestimates the capacity of people to solve their own problems, while overestimating the ability of experts and policymakers to design beneficial interventions. The authors argue instead for a more inclusive theory of rationality in economic policymaking.

The Disruptive Impact of FinTech on Retirement Systems

Author : Julie Agnew
Publisher : Oxford University Press
ISBN 13 : 0192584308
Total Pages : 267 pages
Book Rating : 4.1/5 (925 download)

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Book Synopsis The Disruptive Impact of FinTech on Retirement Systems by : Julie Agnew

Download or read book The Disruptive Impact of FinTech on Retirement Systems written by Julie Agnew and published by Oxford University Press. This book was released on 2019-09-06 with total page 267 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many people need help planning for retirement, saving, investing, and decumulating their assets, yet financial advice is often complex, potentially conflicted, and expensive. The advent of computerized financial advice offers huge promise to make accessible a more coherent approach to financial management, one that takes into account not only clients' financial assets but also human capital, home values, and retirement pensions. Robo-advisors, or automated on-line services that use computer algorithms to provide financial advice and manage customers' investment portfolios, have the potential to transform retirement systems and peoples' approach to retirement planning. This volume offers cutting-edge research and recommendations regarding the impact of financial technology, or FinTech, to disrupt retirement planning and retirement system design.

Banking on a Revolution

Author : Terri Friedline
Publisher : Oxford University Press, USA
ISBN 13 : 0190944137
Total Pages : 313 pages
Book Rating : 4.1/5 (99 download)

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Book Synopsis Banking on a Revolution by : Terri Friedline

Download or read book Banking on a Revolution written by Terri Friedline and published by Oxford University Press, USA. This book was released on 2020-12 with total page 313 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The Revolution Will Not Be Financed takes the perspective that the financial system needs a revolution-and not the impending revolution driven by technology. Studying various ways the financial system advantages whites by exploiting and marginalizing Black and Brown communities, Terri Friedline challenges the optimistic belief that fintech can expand access to banking and finance. Friedline applies the lens of financialized racial neoliberal capitalism to demonstrate the financial system's inherent racism, and explores examples from student loan debt, corporate landlords, community benefits agreements, and banking and payday lending. She makes the case that the financial system needs a people-led revolution that centers the needs, experiences, and perspectives of those that it has historically excluded, marginalized, and exploited"--

Financial Literacy

Author : Olivia S. Mitchell
Publisher : Oxford University Press
ISBN 13 : 0199696810
Total Pages : 328 pages
Book Rating : 4.1/5 (996 download)

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Book Synopsis Financial Literacy by : Olivia S. Mitchell

Download or read book Financial Literacy written by Olivia S. Mitchell and published by Oxford University Press. This book was released on 2011-10-27 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets.

Client Psychology

Author : CFP Board
Publisher : John Wiley & Sons
ISBN 13 : 1119440904
Total Pages : 340 pages
Book Rating : 4.1/5 (194 download)

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Book Synopsis Client Psychology by : CFP Board

Download or read book Client Psychology written by CFP Board and published by John Wiley & Sons. This book was released on 2018-02-19 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Client-Centered approach to Financial Planning Practice built by Research for Practitioners The second in the CFP Board Center for Financial Planning Series, Client Psychology explores the biases, behaviors, and perceptions that impact client decision-making and overall financial well-being. This book, written for practitioners, researchers, and educators, outlines the theory behind many of these areas while also explicitly stating how these related areas directly impact financial planning practice. Additionally, some chapters build an argument based solely upon theory while others will have exclusively practical applications. Defines an entirely new area of focus within financial planning practice and research: Client Psychology Serves as the essential reference for financial planners on client psychology Builds upon and expands the body of knowledge for financial planning Provides insight regarding the factors that impact client financial decision-making from a multidisciplinary approach If you’re a CFP® professional, researcher, financial advisor, or student pursuing a career in financial planning or financial services, this book deserves a prominent spot on your professional bookshelf.

The Routledge Companion to Financial Services Marketing

Author : Tina Harrison
Publisher : Routledge
ISBN 13 : 1134095627
Total Pages : 897 pages
Book Rating : 4.1/5 (34 download)

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Book Synopsis The Routledge Companion to Financial Services Marketing by : Tina Harrison

Download or read book The Routledge Companion to Financial Services Marketing written by Tina Harrison and published by Routledge. This book was released on 2014-12-05 with total page 897 pages. Available in PDF, EPUB and Kindle. Book excerpt: Interest in Financial Services Marketing has grown hugely over the last few decades, particularly since the financial crisis, which scarred the industry and its relationship with customers. It reflects the importance of the financial services industry to the economies of every nation and the realisation that the consumption and marketing of financial services differs from that of tangible goods and indeed many other intangible services. This book is therefore a timely and much needed comprehensive compendium that reflects the development and maturation of the research domain, and pulls together, in a single volume, the current state of thinking and debate. The events associated with the financial crisis have highlighted that there is a need for banks and other financial institutions to understand how to rebuild trust and confidence, improve relationships and derive value from the marketing process. Edited by an international team of experts, this book will provide the latest thinking on how to manage such challenges and will be vital reading for students and lecturers in financial services marketing, policy makers and practitioners.

Handbook of Behavioral Economics - Foundations and Applications 2

Author :
Publisher : Elsevier
ISBN 13 : 0444633960
Total Pages : 530 pages
Book Rating : 4.4/5 (446 download)

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Book Synopsis Handbook of Behavioral Economics - Foundations and Applications 2 by :

Download or read book Handbook of Behavioral Economics - Foundations and Applications 2 written by and published by Elsevier. This book was released on 2019-01-29 with total page 530 pages. Available in PDF, EPUB and Kindle. Book excerpt: Handbook of Behavioral Economics, Volume 2, Foundations and Applications offers critical perspectives on theoretical work within behavioral economics, delivering a comprehensive, critical, up-to-date, and accessible review of the field that has always been missing. This literature summary of the conceptual foundations underlying behavioral economics is written by, and for, economists, with chapters covering Intertemporal choice, Reference-dependent preferences, Beliefs, Cognition, Social preferences, Behavioral game theory, Welfare, and Neuroeconomics. - Helps academic and non-academic economists understand recent rapid changes in theoretical advances within behavioral economics - Designed for economists already convinced of the benefits of behavioral economics and mainstream economists who feel threatened by new developments in behavioral economics - Written for those who wish to become quickly acquainted with behavioral economics

Social Marketing and Social Change

Author : R. Craig Lefebvre
Publisher : John Wiley & Sons
ISBN 13 : 0470936843
Total Pages : 592 pages
Book Rating : 4.4/5 (79 download)

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Book Synopsis Social Marketing and Social Change by : R. Craig Lefebvre

Download or read book Social Marketing and Social Change written by R. Craig Lefebvre and published by John Wiley & Sons. This book was released on 2013-02-18 with total page 592 pages. Available in PDF, EPUB and Kindle. Book excerpt: How can we facilitate more effective, efficient, equitable and sustainable solutions to the problems that confound our communities and world? Social marketing guru R. Craig LeFebvre weaves together multi-level theories of change, research and case studies to explain and illustrate the development of social marketing to address some of society’s most vexing problems. The result is a people-centered approach that relies on insight and empathy as much as on data for the inspiration, design and management of programs that strive for changes for good. This text is ideal for students and professionals in health, nonprofit, business, social services, and other areas. “This is it -- the comprehensive, brainy road map for tackling wicked social problems. It’s all right here: how to create and innovate, build and implement, manage and measure, scale up and sustain programs that go well beyond influencing individual behaviors, all the way to broad social change in a world that needs the help.”—Bill Novelli, Professor, McDonough School of Business, Georgetown University, former CEO, AARP and founder, Porter Novelli and the Campaign for Tobacco-Free Kids “I’m unaware of a more substantive treatise on social marketing and social change. Theoretically based; pedagogically focused; transdisciplinary; innovative; and action oriented: this book is right for our time, our purpose, and our future thinking and action.”—Robert Gold, MS, PhD, Professor of Public Health and Former Dean of the School of Public Health at the University of Maryland, College Park “This book -- like its author -- is innovative and forward-looking, yet also well-grounded in the full range of important social marketing fundamentals.”—Edward Maibach, MPH, PhD, University Professor and Director, Center for Climate Change Communication, George Mason University

International Handbook of Financial Literacy

Author : Carmela Aprea
Publisher : Springer
ISBN 13 : 9811003602
Total Pages : 708 pages
Book Rating : 4.8/5 (11 download)

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Book Synopsis International Handbook of Financial Literacy by : Carmela Aprea

Download or read book International Handbook of Financial Literacy written by Carmela Aprea and published by Springer. This book was released on 2016-03-24 with total page 708 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.

Behavioral Economics and Public Health

Author : Christina A. Roberto
Publisher : Oxford University Press, USA
ISBN 13 : 019939833X
Total Pages : 385 pages
Book Rating : 4.1/5 (993 download)

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Book Synopsis Behavioral Economics and Public Health by : Christina A. Roberto

Download or read book Behavioral Economics and Public Health written by Christina A. Roberto and published by Oxford University Press, USA. This book was released on 2016 with total page 385 pages. Available in PDF, EPUB and Kindle. Book excerpt: Behavioral economics has potential to offer novel solutions to some of today's most pressing public health problems: How do we persuade people to eat healthy and lose weight? How can health professionals communicate health risks in a way that is heeded? How can food labeling be modified to inform healthy food choices? Behavioral Economics and Public Health is the first book to apply the groundbreaking insights of behavioral economics to the persisting problems of health behaviors and behavior change. In addition to providing a primer on the behavioral economics principles that are most relevant to public health, this book offers details on how these principles can be employed to mitigating the world's greatest health threats, including obesity, smoking, risky sexual behavior, and excessive drinking. With contributions from an international team of scholars from psychology, economics, marketing, public health, and medicine, this book is a trailblazing new approach to the most difficult and important problems of our time.

Social Security Bulletin

Author :
Publisher :
ISBN 13 :
Total Pages : 508 pages
Book Rating : 4.3/5 (243 download)

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Book Synopsis Social Security Bulletin by :

Download or read book Social Security Bulletin written by and published by . This book was released on 2011 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Handbook of Consumer Finance Research

Author : Jing Jian Xiao
Publisher : Springer
ISBN 13 : 3319288873
Total Pages : 379 pages
Book Rating : 4.3/5 (192 download)

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Book Synopsis Handbook of Consumer Finance Research by : Jing Jian Xiao

Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.

Consumer Vulnerability and Welfare in Mortgage Contracts

Author : Irina Domurath
Publisher : Bloomsbury Publishing
ISBN 13 : 1509913408
Total Pages : 223 pages
Book Rating : 4.5/5 (99 download)

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Book Synopsis Consumer Vulnerability and Welfare in Mortgage Contracts by : Irina Domurath

Download or read book Consumer Vulnerability and Welfare in Mortgage Contracts written by Irina Domurath and published by Bloomsbury Publishing. This book was released on 2017-11-30 with total page 223 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book advocates a new way of thinking about mortgage contracts. This claim is based on the assumption that we currently live in a political economy in which consumer debt fulfils a social function. In the field of housing this is evidenced by the expansion of mortgage credit through which consumers are to purchase residential property as a means of social inclusion and personal welfare. It is suggested that contract law needs to adjust to this new social function in order to avoid welfare losses in terms of default, over-indebtedness, and possibly eviction. To this end, this book analyses theoretical contract law frameworks and makes concrete proposals for contract law in the EU legal order.