Download or read book Perceived Saving Motives and Hierarchical Financial Needs written by Jing Jian Xiao and published by . This book was released on 2000 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: Data from the 1986 Survey of Consumer Finances were used to analyze perceived saving motives. The results of Chi-square tests indicated that perceived saving motives were different in terms of the household's home ownership, marital status, number of children, life cycle stage, employment status, income, asset and debt categories, net worth, and the head's gender and education. Differences found in perceived saving motives suggested some hierarchical associations among various financial needs perceived by the consumers. Findings have implications for financial counseling and planning practitioners and educators.

Download or read book The Psychology of Financial Consumer Behavior written by Dominika Maison and published by Springer. This book was released on 2019-02-28 with total page 242 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book stresses the psychological perspective in explaining financial behavior. Traditionally, financial behaviors such as saving, spending, and investing have been explained using demographic and economic factors such as income and product pricing. The consequence of this way of thinking is that financial institutions view their clients mostly from the perspective of their income. By taking a psychological approach, this book stresses the perspective of consumers confronted with a quickly changing financial world: the changing of financial offers and products (savings, investments, loans), the changing of payment methods (from cash to cheques, cards and mobile payments), the accessibility and temptation of goods, and the changing of insurance and pension systems. The Psychology of Financial Consumer Behavior provides insight into the thought processes of consumers in a variety of financial topics. Coverage includes perceptions of wealth, the pleasure or pain of spending, cashless transactions, saving and investing, loans, planning for the future, taxes, and financial education. The book holds appeal for researchers, professionals, and students in economics, psychology, economic psychology, marketing and consumer science, or anyone interested in financial behaviors.

Download or read book Consumer Economic Wellbeing written by Jing Jian Xiao and published by Springer. This book was released on 2015-06-01 with total page 230 pages. Available in PDF, EPUB and Kindle. Book excerpt: This timely text overviews theories, concepts, and contexts relating to the emerging field of behavioral economics. Research theories and data gathered across psychology, sociology, marketing, finance, and other relevant disciplines are synthesized to identify and elaborate on the defining aspects of consumer economic wellbeing. Against a background of consumer rights and responsibilities, the book discusses consumer phenomena of earning, spending, saving, and borrowing and their contributions to improving (and in some cases to worsening) economic wellness. In addition, the author presents effective ways consumers can be encouraged to navigate key economic environments such as the media, advertising, and the internet, and to change negative financial behaviors. Among the featured topics: Historical perspective on consumer economic wellbeing. Consumer financial capability and economic wellbeing. The role of government in promoting consumer economic wellbeing. Corporate social responsibility. Theories of online shopping and e-banking. Desirable and undesirable consumption behavior. Consumer Economic Wellbeing clarifies issues and provides insights for researchers in the fields of consumer psychology and economics, psychologists and mental health professionals, and policy analysts. It is also useful as a text for college courses in related subjects.

Download or read book Handbook of Consumer Finance Research written by Jing J. Xiao and published by Springer Science & Business Media. This book was released on 2008-01-03 with total page 423 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.

Download or read book Proceedings of the Joint 3rd International Conference on Bioinformatics and Data Science ICBDS 2022 written by R. Somashekhar and published by Springer Nature. This book was released on 2023-06-05 with total page 310 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is an open access book. We are pleased to announce our 3rd International Conference on Bioinformatics and Data Science (ICBDS – 2022) and 9th International Conference on Public Mental Health and Neurosciences (ICPMN – 2022) which was a unique conference where we connectted Biological Function through Computational Genomics to the world of integrated medicine and therapeutics. Functional genomics is a field of molecular biology that attempts to describe gene (and protein) functions and interactions. This science aims to understand the complex relationship between genotype and phenotype on a global (genome-wide) scale of different biological processes. Most researchers now study genes or regions on a “genome-wide” scale (i.e. all or multiple genes/regions at the same time), with the hope of narrowing them down to a list of candidate genes or regions to analyze in more detail. There are several specific functional genomics approaches depending on what we are focused on DNA level (genomics and epigenomics), RNA level (transcriptomics), protein level (proteomics), metabolite level (metabolomics) and phenotype level (phenomics). The recent trends in gene and genome editing technologies, promising genomic information can be modulated in the areas of medicine, agriculture and environment. Big data is a promising in many research areas, but still it is computationally challenging and non-availability of experts to handle big-data with reduced speed and cost. With the increasing use of advanced technology and the exploding amount of big-data in, it is imperative to introduce effective and efficient methods to handle big data using computing technologies. The big data analytics technique is required to solve the problems in bioinformatics such as the storage of vast information generated by analyzing the big-data. Big data analytics can examine large data sets, analyze and correlate genomic and proteomic information. Big data research finds a huge application in Neuroscience and Brain research. Our unique conference connects genomics to the world of genomics to integrated medicine including yogic sciences.

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.

Download or read book A Positive Psychology Perspective on Quality of Life written by Anastasia Efklides and published by Springer Science & Business Media. This book was released on 2012-11-02 with total page 303 pages. Available in PDF, EPUB and Kindle. Book excerpt: The construct ‘‘quality of life (QoL)’’, since the 1980s, when it was introduced, is being used mainly in the context of health problems. Areas of one’s life that contribute to QoL are good physical and mental health, efficient cognitive functioning, social support, being able to meet the requirements of professional life, positive emotions, etc (Power, 2003). Work on subjective well-being (SWB), on the other hand, was developed in the context of healthy everyday life; it also has a history of more than 30 years. During this 30-year period factors that have an impact on SWB, such as SES, gender, health, age, and religiosity have been identified (Diener, 2000). A third independent line of research pertains to what has been called Positive Psychology (Seligman & Csikszentmihalyi, 2000), that is, an emphasis on human strengths, such as optimism, hope, wisdom, positive emotions, resilience, etc., which contribute to positive functioning in life. Recently, SWB has been associated to human strengths and to the movement of positive psychology but this did not happen for QoL, possibly because of its emphasis on people with health problems. However, QoL can be conceived of as a generic term that pertains to all people, healthy or not. In this sense, it is closely related to SWB defined as happiness (Diener, 2000). Also, QoL encompasses positive emotions that go beyond happiness and has the advantage that it can be applied to many different domains of life such as interpersonal relations, health-related situations, and professional and educational strivings. Moreover, the mechanism(s) that underpin QoL and SWB can be studied in relation to people’s goals and strengths of character, that is, from a positive psychological perspective. Such a perspective can reveal the specificities of “quality” in the various domains of life and, specifically, the positive emotions and strengths that contribute to a happier, healthier, and more successful life, even in face of adversity. Therefore, despite the differences among the three theoretical traditions, namely QoL, SWB, and positive psychology, it is possible to find the common ground they share and each of them can benefit from notions developed in the others. The aim of the present book is to bring together these three traditions, show the interactions of variables emphasized by them, and give an integrative perspective from the positive psychology point of view. It also aims to extend the range of life situations in which one can look for quality and which go beyond the traditional emphasis of QoL on health problems. Thus, the content of the proposed book covers different age populations (from children to older adults), healthy and people facing health problems as well as people facing problems in their interpersonal lives or in their pursuits. It also discusses factors that contribute to marital satisfaction, well being in the school context, and things that people value and cherish. The chapters refer to notions such as happiness, interest, resilience, wisdom, hope, altruism, optimism, and spirituality/religiosity that represent unique human strengths. Finally, it emphasizes the role of goals and motivation that connect SWB with self-regulation and managing of one’s life priorities. To conclude, the chapters included in the proposed edited book aim at bringing to the fore new theoretical developments and research on QoL, SWB, and positive psychology that bridges previously distinct theoretical traditions. The proposed book covers a broad range of topics, addresses different theoretical interests and paves the way for a more integrative approach. Finally, it brings together an international set of authors, from USA, Europe, Australia, and Asia.

Download or read book Economics and Politics written by Harun BAL and published by Akademisyen Kitabevi. This book was released on 2019-03-12 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book A Comparison of Household Saving Motives Between Chinese and Americans written by Feifei Wang and published by . This book was released on 2010 with total page 89 pages. Available in PDF, EPUB and Kindle. Book excerpt: The main purpose of this study is to compare the household saving motives between Chinese and Americans. The two datasets used in this study are from the 2008 Survey of Chinese Consumer Finance and Investor Education and the 2007 Survey of Consumer Finances in the United States. The likelihood of reporting precautionary saving motive, education saving motive, and retirement saving motive was tested by logistic regression analysis. This study concluded that Chinese households were more likely to report the precautionary and education saving motives, when compared with American households. In terms of the retirement saving motive, only Chinese households placed in the first and second household income groups were more likely to perceive the retirement saving motive than their counterpart Americans. There was no difference in perceiving the retirement motive between Chinese and Americans for all the other household groups. The stronger motivation to save for Chinese than for Americans serves as a good explanation for the higher saving rates in China than in the United States. Policy makers and financial planners can use the findings to target particular population who are less motivated to save, and to help them realize the importance of saving and conduct necessary saving behaviors.

Download or read book Handbook of Marriage and the Family written by Gary W. Peterson and published by Springer Science & Business Media. This book was released on 2012-09-14 with total page 903 pages. Available in PDF, EPUB and Kindle. Book excerpt: The third edition of Handbook of Marriage and the Family describes, analyzes, synthesizes, and critiques the current research and theory about family relationships, family structural variations, and the role of families in society. This updated Handbook provides the most comprehensive state-of-the art assessment of the existing knowledge of family life, with particular attention to variations due to gender, socioeconomic, race, ethnic, cultural, and life-style diversity. The Handbook also aims to provide the best synthesis of our existing scholarship on families that will be a primary source for scholars and professionals but also serve as the primary graduate text for graduate courses on family relationships and the roles of families in society. In addition, the involvement of chapter authors from a variety of fields including family psychology, family sociology, child development, family studies, public health, and family therapy, gives the Handbook a multidisciplinary and interdisciplinary framework.

Download or read book Savings Goals and Saving Behavior from a Perspective of Maslow s Hierarchy of Needs written by Jae Min Lee and published by . This book was released on 2017 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this study was to examine associations between saving goals and saving behavior from a perspective of Maslow's Hierarchy. Using 1998-2007 Surveys of Consumer Finance data, we analyzed responses given to an open-ended saving reason question, and categorized responses into six saving goals. The retirement/security goal was the most frequently mentioned, and the self-actualization goal was the least frequently mentioned. We tested two models to ascertain whether the order of response differed in the likelihood of saving, measured as whether households spent less than income. Model 1 tested the effects of whether particular goals were given as the first response to the open-ended question, and Model 2 tested the effects of whether particular goals were given as any response. In both analyses, self-actualization and retirement/security had the strongest associations with saving behavior.

Download or read book The Psychology of Saving written by Karl Erik Wärneryd and published by Edward Elgar Publishing. This book was released on 1999 with total page 448 pages. Available in PDF, EPUB and Kindle. Book excerpt: Provides an assessment of factors accounting for differences between people who save and people who do not save money, summarizes theories and behavioral research in saving, and explores psychological insights and findings of economists, interpreting them in terms of modern psychology. Offers a historical perspective on the psychology of saving, looks into the psychology of saving in modern economic theories of saving, and discusses the use of cognitive and psychological variables in the study of saving. Gives an integrative framework for the psychology of saving, and discusses implications for studying and influencing the consumer. Annotation copyrighted by Book News, Inc., Portland, OR

Download or read book Perceived Precautionary Savings Motives written by Francesco D'Acunto and published by . This book was released on 2020 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: We study the spending response of first-time borrowers to an overdraft facility and elicit their preferences, beliefs, and motives through a FinTech application. Users increase their spending permanently, lower their savings rate, and reallocate spending from non-discretionary to discretionary goods. Interestingly, liquid users react more than others but do not tap into negative deposits. The credit line acts as a form of insurance. These results are not fully consistent with models of financial constraints, buffer stock models, or present-bias preferences. We label this channel perceived precautionary savings motives: Liquid users behave as if they faced strong precautionary savings motives even though no observables, including elicited preferences and beliefs, suggest they should.

Download or read book Effect of Saving Motives and Horizon on Saving Behavior written by Patti J. Fisher and published by . This book was released on 2016 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The purpose of this research is to explore saving motives and saving horizon using a large, nationally representative dataset, the Survey of Consumer Finances. The framework is based on prospect theory, in which consumption and saving decisions are based on a reference point rather than on lifetime income. Prospect theory also posits that individuals construct various mental accounts, thereby allowing for households to have multiple saving motives. Since prospect theory does not assume that saving decisions are based on lifetime income, saving horizons are allowed to vary. The emergency and retirement saving motives are found to significantly increase the likelihood of saving regularly. Longer saving horizons are also found to have a highly significant effect on the likelihood of saving, while poor health is shown to have a significantly negative effect on the likelihood of saving. The results show that the saving motives held by households differ by saving horizon, but the exact relationships are unclear. Further research on the link between saving motives, saving horizon, and saving behaviors is needed. It is important for financial professionals and educators to consider a household's saving goals, saving horizon, and health status when making recommendations or developing financial plans.

Download or read book Understanding The Consumer Behaviour During COVID 19 Pandemic written by Murat GÜLMEZ and published by Akademisyen Kitabevi. This book was released on 2021-02-02 with total page 10 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Cambridge Handbook of Consumer Psychology written by Cait Lamberton and published by Cambridge University Press. This book was released on 2023-04-06 with total page 873 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the last two years, consumers have experienced massive changes in consumption – whether due to shifts in habits; the changing information landscape; challenges to their identity, or new economic experiences of scarcity or abundance. What can we expect from these experiences? How are the world's leading thinkers applying both foundational knowledge and novel insights as we seek to understand consumer psychology in a constantly changing landscape? And how can informed readers both contribute to and evaluate our knowledge? This handbook offers a critical overview of both fundamental topics in consumer psychology and those that are of prominence in the contemporary marketplace, beginning with an examination of individual psychology and broadening to topics related to wider cultural and marketplace systems. The Cambridge Handbook of Consumer Psychology, 2nd edition, will act as a valuable guide for teachers and graduate and undergraduate students in psychology, marketing, management, economics, sociology, and anthropology.

Download or read book Weekly Weather and Crop Bulletin written by and published by . This book was released on 1994 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: