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Timing and frequency of financial education and positive financial behaviors
No full textThe association between timing and frequency of financial education and financial behaviors has not been studied in tandem. Various studies indicate the more financial education individuals have, the better their chances of making quality financial decisions. In addition to receiving financial edu- cation, the timing and frequency of that education may be relevant to overall decision quality. Early and frequent exposures are expected to have a compounding effect on positive financial behaviors. Using the 2015 wave of the National Financial Capability Study, we found that the timing and fre- quency of financial education are positively associated with positive financial behaviors. This is important because it indicates that the more individuals know about their finances the more likely they are to engage in actions that will have a positive association with their financial futures
The Student-Athlete Volunteer Experience: An Investigation of a University Athletics–Community Sports Partnership
Get PDFWithin the Canadian university sports context, athletics departments are increasingly partnering with community sports organizations to promote youth sports participation, while simultaneously providing student-athletes with volunteer opportunities aimed at developing civically engaged young adults. The purpose of this study was to examine the experiences of varsity student-athlete volunteers (n = 10) within a university athletics–community sports partnership program. Volunteers discussed their motivations to volunteer in the partnership program and highlighted various benefits for themselves (e.g., transferable skill development), the youth athletes (e.g., having relatable role models), and the institution and community more broadly (e.g., enhanced community outreach, credibility of programming). Key takeaways and practical recommendations are provided with the aim of fostering quality volunteer experiences within these partnership programs
What Makes Pedagogical Content Knowledge “Pedagogical”? Reconnecting PCK to Its Deweyan Foundations
No full textIn this theoretical paper, I review the history of research in educational psychology that inspired Shulman’s notion of pedagogical content knowledge (PCK) and critically examine interpretations of PCK reflected in prominent theoretical frameworks for mathematical knowledge for teaching (MKT). I propose a theory of PCK—grounded in radical constructivism, Piaget’s genetic epistemology, and empirical research results—that addresses limitations of these prominent frameworks. I conclude with a description of what makes PCK in the proposed theory “pedagogical” and describe a research agenda that reconnects MKT scholarship to its Deweyan philosophical foundations
Seeking tax alpha in retirement income
No full textWe provide a framework to find an optimal decision for tax-efficient retirement income. By developing a model for income and capital gains tax with stock and bond investments in tax- deferred, tax-exempt, and taxable accounts, we identify three categories of retirees based on their income needs and net worth. We propose and evaluate a simple heuristic to determine the optimal retirement income strategy, quantifying a 0.5% annual return benefit. We call this benefit tax alpha and show its robustness to varying model input parameters. We also suggest approaches for large institutions or FinTech firms to improve their existing financial planning tools
The pros and cons of remaining in a 401(k) plan after retirement
No full textThis paper examines whether retirees would benefit from staying in their companies’ 401(k) plans after retirement, versus rolling their savings over to Individual Retirement Accounts (IRAs). Our focus is on individuals having low or moderate levels of financial literacy. We conclude that many such retirees would likely find it financially rewarding to retain their assets in their 401(k) plans. While IRAs currently offer a wider range of advice or distribution options compared with 401(k) plans, we close by pointing to legislative and technological developments that may produce better outcomes, more retirement confidence, and greater security for retirees
