A survey of 194 black households in a Chicago neighborhood found that one in five did not use banks, 49% had credit cards, over 75% used alternative financial services (AFS), and many used informal financial networks. Nonbank and AFS users tended to be lower income, less educated, younger, and unmarried people. Consumer education and public policy…

Learning that arises from interactions at work is the focus of this study. More specifically, the concrete activities of adult learners and their interaction partners were of interest because such learning activities largely determine the quality of learning outcomes. The results of the study are summarized in the form of a typology of interactive…

Proposes a national student group life insurance program be established under federal auspices. The insurance coverage would vary with the cost of the college attended and with the student's need for assistance. (Author/PG)

The publication was produced in cooperation with the New York State Banking Department and is intended primarily as a teaching module to introduce high school students to how banks operate and how consumers can make best use of a bank's services. There is no assumption of prior banking experience or knowledge. In addition to some brief notes to…

Individuals and organizations administering consumer credit services are urged to adopt the following recommendations and the Code of Billing and Collection Practices (also included): (1) Credit grantors should support continuing educational programs at national and local levels on the nature of the consumer credit system. (2) Whenever possible,…

Competition for savings dollars has led to free gift bonus offers as incentive for new deposits. A concise new formula presented here permits calculation of the total yield using an inexpensive minicomputer. Yield is expressed in terms of interest rate, effective discount value of gift bonus, and period of deposit. (Author/MA)

Describes a home equity conversion counseling model in partnership with private sector resources as a possible solution for older Americans who find themselves "house rich but cash poor." Discusses obstacles to widespread acceptance of this concept and future policy implications. (Author/NB)

Deregulation has had much to do with the competitive drive and vitality of financial services within the United States. The risks and rewards of deregulation for financial institutions are discussed, and principles which should serve as a guide in building any new regulatory structure are examined. (RM)

An education service center in Texas that does computer work for 81 school districts at less cost than they could do it themselves. (Author)

Survey and case study data were used to assess the learning climate in a financial services organization. Over 80% of staff felt training was connected to their jobs; 50% believed team leaders helped learning transfer; 88% thought management was committed to promoting learning. However, managers did not believe there was a positive learning…

Introduced 68 families, who were caring for neurologically impaired elders, to legal-financial planning via a 3-hour workshop. A post-study survey indicated that over 90 percent had taken one or more planning actions following the workshop, including the development of specific plans for providing and financing services. Implications for other…

Systems concepts are applied to family financial planning using a functional interpretation of systems analyses. The framework can help professionals researching family financial behavior and its outcomes, planning programs, and offering financial services. It can also be used by families in their own financial planning. (Author/JOW)

Determines the relationships between ATM (Asynchronous Transfer Mode) adoption and four organizational variables: university size, type, finances, and information-processing maturity. Identifies the current status of ATM adoption in campus networking in the United States. Contains 33 references. (DDR)

Describes how Harper Community College in Illinois, partnering with its financial advisor Kane, McKenna Capital, Inc., worked to receive the best bond rating available from Moody's Investors Service, thereby saving taxpayers three million dollars. (EV)