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Individual estimates of life expectancy and consumption patterns
No full textPrevious research reveals a paucity of retirement preparedness in the United States. With the shift to defined contribution plans, retirement planning now falls on the shoulders of consumers. Using the 2013 Survey of Consumer Finances (SCF), the relationship between subjective life expectancy and consumption is investigated. Specifically, regression analyses examine the relationship between subjective life expectancy and three indicators of consumption: financial assets, credit card debt, and saving behavior. A secondary analysis separated respondents near retirement (i.e., within 10 years) and far from retirement (i.e., more than 10 years) to determine if retirement saliency affects the relationship between life expectancy and consumption. The influence of life expectancy on consump- tion is analyzed by separating life expectancy into two periods: remaining work life and retirement life. Results indicate that remaining work life expectancy and retirement life expectancy are associated with financial assets and that retirement life expectancy is associated with savings behavior
Value line quarterly EPS forecast error: Analyst credibility or management appeasement?
No full textA study of Value Line quarterly earnings forecast errors from 1999 through Q3 2016 shows that the direction of forecast bias and forecast efficiency with respect to earnings news depend on investment rating. Patterns of bias and inefficiency indicate that Value Line analysts are primarily motivated to maintain credibility with investors than to appease company managers. For Buy-rated stocks, forecast bias is pessimistic, and forecasts are inefficient with respect to good earnings news. When news is bad for Buy-rated stocks, forecasts are unbiased and efficient. For Sell-rated stocks, forecast bias is optimistic, and forecasts are inefficient with respect to bad earnings news. When news is good for Sell-rated stocks, forecasts are unbiased and efficient
Marital status, health, and retirement wealth for middle aged and older women
No full textWe investigate the different impacts of health problems on wealth among unmarried and married women in their later years. We advance the literature by using a new health measure of a 22 year sequence of chronic diseases. Using data from 2,476 women age 50 or older from the 1992–2014 Health and Retirement Study, we find that unmarried women have more complicated and costly health sequences compared with married women, including multi-morbidity or co-morbidity. Over the 22 year period, retirement wealth for unmarried women with costly health sequences is reduced by approximately 5,400 annually
Who seeks financial advice?
No full textThe determinants of seeking five types of financial advice are examined and are found to be consistent across the different types of advice. In addition, no significant differences are found among subsamples defined by gender, age, and financial literacy. Income and risk tolerance are related positively to the demand for financial advice and more greatly affect the probability of seeking advice than do other variables. A low perception of financial knowledge, which can be a proxy for self-confidence, and financial fragility decrease the probability of seeking financial advice
A Prestudy Curricula-as-Research Model for Scholarship of Engagement: Combining Continuous Service with Discontinuous Learning
Get PDFRestructuring changes in higher education may be affecting how faculty conduct the scholarship of engagement. As faculty increasingly face uncertain futures, the limits of service-learning need to be better understood in order to maximize the pedagogical possibilities. One way of exploring limitations is to focus on sustainable faculty-community collaborative relationships since sustainability recognizes both constraint and possibility. This article presents a Curricula-as-Research Model as a risk-reduction strategy for faculty involved in Scholarship of Engagement. According to the model, the sustainability of research collaborations can be strengthened if a multicourse collaborative project is integrated into course sequencing. The model is developed with an autoethnographic prestudy of a service-learning collaboration between Indiana University, Purdue University Fort Wayne and Blackford County Concerned Citizens in Indiana (Fall 2014 -Spring 2016). Prestudy findings indicate that curricular content may be a factor influencing the evolution and community impact of collaborative relationships between the university and the community
Developing Critical Consciousness and Social Justice Self-Efficacy: Lessons From Feminist Community Engagement Student Narratives
Get PDFAs community engagement continues to be institutionalized within colleges and universities, it is increasingly important that it retain its founding mission to prepare engaged citizens to address societal issues and contribute to the public good. Unfortunately, dominant models of community engagement remain charity focused and thereby reinforce social hierarchies that undermine higher education’s mission of public good. Though many studies have focused on critiquing charity-focused models of community engagement, few studies offer alternative approaches. Utilizing an intrinsic single-case-study approach, this study investigates what can be learned from the narratives of 12 students in a community engagement program that uses feminist pedagogy. The findings suggest that a feminist approach to community engagement can be a catalyst for students to develop critical consciousness and social justice self-efficacy by addressing issues of privilege and oppression in community-engaged work in ways that current community engagement models have yet to operationalize