Download or read book Student Financial Literacy written by Dorothy B. Durband and published by Springer Science & Business Media. This book was released on 2012-03-31 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning

Download or read book Student Financial Literacy written by Dorothy B. Durband and published by Springer Science & Business Media. This book was released on 2012-04-04 with total page 203 pages. Available in PDF, EPUB and Kindle. Book excerpt: College students are particularly vulnerable to making poor financial decisions. One method of addressing personal finances and financial stress among students of higher education is through university based financial education programs. Student Financial Literacy: Program Development presents effective strategies to assist in the implementation or the enhancement of a program as a tool to improve students’ educational experience and financial well-being. It presents the key components of financial education programs designed to address the growing concerns associated with high levels of debt and low levels of financial literacy among college students. “Student Financial Literacy: Campus-Based Program Development is packed with financial education and counseling information and guidance. It was very difficult to write this review as I wanted to share ALL the excellent direction this book provides... The editors and contributing authors have developed an excellent resource for not only those interested in developing or enhancing a campus-based financial education program but also for anyone involved in financial education, counseling, and planning.” -Rebecca J. Travnichek, Family Financial Education Specialist, University of Missouri Extension Journal of Financial Counseling and Planning

Download or read book An Examination of the Financial Literacy of California College Students written by Heidi Linn Gilligan and published by . This book was released on 2012 with total page 460 pages. Available in PDF, EPUB and Kindle. Book excerpt: Abstract: The rising costs in tuition and changes in financial aid resources place California Community College (CCC) and California State University (CSU) students in a precarious situation. As students take on more debt in the form ofloans to finance their college education, it is concerning that many may not have a solid understanding of personal financial management strategies or skills. Now, more than ever, it is important that educational leaders take proactive steps to understand the components of financial literacy of California college students. The interplay of financial literacy and increases in tuition are of particular concern at the CCC and CSU as these large public university systems serve many first generation, low income, and minority college students. The purpose of this quantitative study was to refine current knowledge of the financial literacy levels and the potential influences on financial literacy levels of California college students. A conceptual framework was developed utilizing the theories of social capital, self-efficacy, consideration of future consequences and financial stress. This framework guided the development of a survey instrument that included modified or adopted measures of demographic characteristics, financial literacy, financial self-efficacy, consideration of future consequences, and financial stress. The sample included 691 students, approximately 80% California Community College students and nearly 20% California State University college students. The findings revealed that socioeconomic status, race, parental education, and class level influenced the financial literacy scores of California college students. A factor analysis on the modified scales of financial self-efficacy, consideration of future consequences, and financial stress indicated that these instruments are appropriate for use with California college students. A hierarchical regression revealed that race, class level, and consideration of future consequences influenced the financial literacy scores of California college students. The findings provide a greater understanding of the components that influence the financial literacy of California's college students. Based on the results, recommendations are made for the development of financial education programs for college students that address their stage of life, cultural factors, family influence, economic conditions, and behavioral patterns.

Download or read book Financial Literacy Education written by Jay Liebowitz and published by CRC Press. This book was released on 2018-10-09 with total page 220 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.

Download or read book The Importance of Financial Literacy Among College Students written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2003 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

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 Financial Literacy for Millennials written by Andrew O. Smith CFO and published by Bloomsbury Publishing USA. This book was released on 2016-08-22 with total page 217 pages. Available in PDF, EPUB and Kindle. Book excerpt: A modern primer on consumer finance and personal money management intended for readers aged 15 to 30, this guide can also serve as a primary text for high school, college, or adult education courses on personal finance. There is growing awareness that teaching consumers more about finance is an urgent national priority—and that their education should begin early. Combining practical advice with targeted information on virtually every aspect of personal finance and money management, this book is the ideal resource for young people who want to start off their financial lives properly. The guide updates traditional personal finance topics, such as budgeting, credit, debt, savings, and investment, and goes beyond those fundamentals to furnish important life lessons on such concerns as career planning, starting a business, Internet fraud, and avoiding financial scams. It even provides useful background on the tax system, how to avoid bankruptcy, legal issues young adults often face, and the plethora of government benefits they can access. In fact, young readers will come away from this book with basic knowledge of every important area of personal finance. Ideal for teens and young adults, the volume will prove useful to parents who want to educate their children about the wise use of money, preparing them to make independent financial decisions. In addition, this book can be used to meet the standards enacted in every state for developing a curriculum guide for teaching financial literacy to high school students. It can also serve as a primary or supplementary resource in personal finance or consumer economics courses for college students and adults.

Download or read book The Financial Literacy of College Students written by Thomas K. Intoccia and published by . This book was released on 2023 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy is a persistent problem in society, exemplified by poor financial knowledge among college students and exacerbated by high student debt and inadequate understanding of savings concepts. The goal of this study was to better understand how college students develop financial literacy. This qualitative exploratory case study was guided by the overarching research question: How do students at a large northeastern university develop their financial knowledge? Sub-questions of this study were: (a) In what ways do students' family experiences influence their financial attitudes, beliefs, and behaviors? (b) How do students describe their financial attitudes, beliefs, and behaviors after completing the financial literacy course at a large northeastern university? To understand how college students develop financial knowledge, attitudes, beliefs, and behaviors, this study focused on 10 college students who completed a financial literacy course and on students' financial experiences with family and non-family socializers. Semi-structured interviews were utilized to illuminate the experiences of the selected college students. Findings from the study suggest that students gain financial knowledge and confidence both from family and non-family members as well as from financial literacy classes. Students described being directly and indirectly financially socialized by family and non-family members. After taking the financial literacy course, students perceived an increase in general financial knowledge, specifically regarding stocks, mutual funds, retirement accounts, and debt. Moreover, five of the ten participants described behavioral changes after taking the financial literacy course, including establishing credit, using budgeting apps, opening investment and individual retirement accounts (Roth IRAs), and investing in mutual funds. Findings from the study suggest that students have a strong interest in learning about investments and a strong understanding of debt and credit concepts, and that their direct financial socialization may influence both knowledge and behaviors. To bolster college students' financial knowledge and confidence, it is recommended that institutions of higher education provide financial literacy courses. Future research could evaluate financial literacy course effectiveness and explore the concept of indirect financial socialization.

Download or read book Personal Finance for Teens and College Students written by Kara Ross and published by . This book was released on 2021 with total page 162 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Mastering Money written by Helena Johansson and published by . This book was released on 2023-11-02 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's society, financial literacy has become an essential skill for success. As college students, you are embarking on a new phase of life where financial decisions and responsibilities will play a significant role. Understanding the importance of financial literacy will not only help you navigate through your college years but also set you on the path to financial success in the future. One of the primary reasons financial literacy is crucial is because it empowers you to make informed decisions about your money. By acquiring the necessary knowledge and skills, you can effectively manage your finances, avoid debt, and secure a stable financial future. Financial literacy enables you to understand concepts such as budgeting, saving, investing, and credit, which are fundamental aspects of personal finance. Developing financial literacy skills also provides you with a sense of control and independence. It allows you to take charge of your financial decisions, rather than relying on others to manage your money. By learning how to budget effectively, you can allocate your funds towards essentials, savings, and even leisure activities, ensuring a healthy balance between spending and saving. Furthermore, financial literacy equips you with the skills to plan for your future. By understanding the importance of saving and investing early on, you can start building a solid financial foundation. Learning about long-term financial goals, such as retirement planning and homeownership, becomes crucial as you transition into adulthood. With proper financial literacy, you can make informed decisions that will benefit you in the long run. Financial literacy also plays a vital role in reducing financial stress. College students often face financial challenges, such as student loan debt and limited income. However, having a strong understanding of personal finance can help alleviate some of these stressors. With the knowledge and skills to manage your money effectively, you can make smart financial decisions that minimize debt and maximize your financial well-being.

Download or read book 107 2 Hearing The Importance of Financial Literacy Among College Students S Hrg 107 987 September 5 2002 written by and published by . This book was released on 2004 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Personal Finance for Teens and College Students written by Kara Ross and published by Publishing Forte. This book was released on 2021-11-15 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you a high school student, soon to be a graduate and heading off to college or to work full time? Are you in college and not sure how to manage the money you do have while going to college? Are you a parent looking for a good introduction to personal finance for your son or daughter? If you want to learn how you can better manage money as a young adult, then keep reading! Schools worldwide lack a formal financial literacy course, instead of focusing on teaching students arbitrary skills that may or may not be relevant to their daily lives. As a result, we have financially illiterate young adults who can solve quadratic equations and remember the structure of a plant but have no idea about the loans they take out or how taxes work. This book aims to fill a gap in the education system by introducing teenagers and college students to relevant financial concepts to broaden their functional understanding and help them make informed decisions at every stage of their lives. It mау ѕееm daunting аt fіrѕt but learning these skills are absolutely achievable. In this book, уоu'll learn thе fоllоwіng: Essential financial terms and concepts and how to manage your financial accounts; What to do with your money and grow it to become financially free; How to prioritize your expenses and focus more on needs, not wants; How to save and invest money to prepare for future engagements, like marriage and family; The Dos and Don'ts of managing money, so you won't have any issues growing your money; Investment options to make more money and what you can do to tackle debt; AND SO MUCH MORE! Whatever the reasoning is, know that pursuit of this knowledge does not somehow make you less of a person. This is not some radical crazy problem in your life that can't be solved - It certainly can. If you want to learn more about money management and truly live the life you've always dreamed of, then you need this book today. What are you waiting for? Scroll up and hit BUY NOW to start today!

Download or read book Financial Education in U S State Colleges and Universities written by Donna E. Danns and published by Springer. This book was released on 2015-11-28 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the uncertain state of financial literacy among today’s college students and examines steps colleges and universities are taking to address this widespread concern. This work introduces a four-fold typology of organizational models for college-based financial education programs and uses these as optics for grouping and presenting case studies. The case studies presented provide a holistic representation of how universities develop, sustain and grow financial education programs. Details on the nature of programs, goals, administrative support, resources, partnerships, scale of operations, program content and delivery, advertising, evaluation, program spinoffs, and much more are captured in this work. In addition to detailed case studies, this book presents general findings on the availability of and delivery modes for college-based financial education. This work has significant utility for universities and colleges seeking to implement new financial education programs, changing existing programs, improving program relevancy or expanding program delivery on campus. It is an important contribution to the experiential understanding on how college students as consumers can acquire financial education as part of their broader college curricula and be able to better manage their financial lives. Included in the coverage: The financial literacy imperative. Program delivery and organizational models in state colle ges and universities. The academic model. The full-fledged money management center. The aspirational/seed program. The branch/interspersed model. As financial literacy is increasingly recognized as a core life skill, it becomes more crucial as a component of higher education. Personal Financial Education in State Colleges and Universities in the U.S. is salient reading for college and university administrators, researchers, social workers and mental health professionals working with college students, policy analysts and faculty from any discipline interested in promoting the financial literacy of their students.

Download or read book The Importance of Financial Literacy Among College Students Scholar s Choice Edition written by United States Congress Senate Committee and published by . This book was released on 2015-02-14 with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work. As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.

Download or read book College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Financial Literacy for Millennials written by Andrew O. Smith CFO and published by Bloomsbury Publishing USA. This book was released on 2016-08-22 with total page 143 pages. Available in PDF, EPUB and Kindle. Book excerpt: A modern primer on consumer finance and personal money management intended for readers aged 15 to 30, this guide can also serve as a primary text for high school, college, or adult education courses on personal finance. There is growing awareness that teaching consumers more about finance is an urgent national priority—and that their education should begin early. Combining practical advice with targeted information on virtually every aspect of personal finance and money management, this book is the ideal resource for young people who want to start off their financial lives properly. The guide updates traditional personal finance topics, such as budgeting, credit, debt, savings, and investment, and goes beyond those fundamentals to furnish important life lessons on such concerns as career planning, starting a business, Internet fraud, and avoiding financial scams. It even provides useful background on the tax system, how to avoid bankruptcy, legal issues young adults often face, and the plethora of government benefits they can access. In fact, young readers will come away from this book with basic knowledge of every important area of personal finance. Ideal for teens and young adults, the volume will prove useful to parents who want to educate their children about the wise use of money, preparing them to make independent financial decisions. In addition, this book can be used to meet the standards enacted in every state for developing a curriculum guide for teaching financial literacy to high school students. It can also serve as a primary or supplementary resource in personal finance or consumer economics courses for college students and adults.

Download or read book Financial Literacy and Responsible Finance in the FinTech Era written by John O.S. Wilson and published by Routledge. This book was released on 2021-07-21 with total page 209 pages. Available in PDF, EPUB and Kindle. Book excerpt: A growing body of evidence suggests that financial literacy plays an important role in financial well-being, and that differences in financial knowledge acquired early in life can explain a significant part of financial and more general well-being in adult life. Financial technology (FinTech) is revolutionizing the financial services industry at an unrivalled pace. Views differ regarding the impact that FinTech is likely to have on personal financial planning, well-being and societal welfare. In an era of mounting student debt, increased (digital) financial inclusion and threats arising from instances of (online) financial fraud, financial education and enlightened financial advising are appropriate policy interventions that enhance financial and overall well-being. Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges engages in this important academic and policy agenda by presenting a set of seven chapters emanating from four parallel streams of literature related to financial literacy and responsible finance. The chapters in this book were originally published as a special issue of The European Journal of Finance.