This article presents the results of a study that investigated the level of assets and debts that female-headed households have in comparison to those of married-couple households and other types of households. The empirical results revealed that the amounts of net worth of married-couple households and male-headed households were significantly…

Given the growing interest in a privatized Social Security system and the lack of adequate retirement planning among many people in the United States, many households are often ill prepared for retirement. The outlook for low-income populations is even bleaker because they are often not privy to the same financial education and asset-building…

A companion volume to Part I--Summary Report, this volume contains the reports of four committees. Topics are: (1) The Role and Functioning of Consumer Credit (consumer credit and social policy, consumer credit and economic growth, structure of the consumer credit market, the economics of consumer credit, credit revenues, credit costs, and a model…

The authors argue that financial counseling and financial planning are significantly different professional fields when examined from both a theoretical and an applied perspective. The authors distinguish between these two professions with respect to the types of client problems presented, the criteria clients use for self-evaluation, and the…

Complexities in managing TIAA-CREF contracts are reviewed. Attention is directed toward participation, period considerations, selection of retirement age, retirement income transition, estate considerations and beneficiaries, voluntary additional contributions, and supplemental retirement annuity contracts. (LBH)

Describes some of the problems for the individual inherent in the rapidly expanding computerized field of credit and banking. Proposes that electronic fund transfer systems could virtually replace the use of cash. Warns that while such systems offer wide advantages to business, they threaten the individual's privacy. (JMF)

Describes contemporary problems in American health care. Reviews history of health care as a political issue, particularly in regard to rising health care costs. Suggests the educational system can solve national health problems effectively by stressing health education and individual responsibility for good health practices. (CS)

Examines personal preferences in the development of categorical folders for bookmarks in terms of both the choice and definition of folder domain and the overall structure of the folder system. Considers contextual factors, such as intended use and relevancy to current projects; and navigational preferences. (Author/LRW)

To overcome isolation and disorganization of small urban producers, an experiment in Benin organized group-based networks to manage economic and financial services based on user needs and local culture. The feasibility and sustainability of these networks depend on recognition by existing institutions. (SK)

Describes how the University of North Carolina at Chapel Hill, traditionally conservative in its investments, is taking a riskier approach in the hope of increasing returns; moves include consideration of a private financial services spinoff. (EV)

This monograph synthesizes the laws and regulations that form the basis of the right to representation in the court of public opinion by all who would seek to influence public and private decisions. It expresses the framework of human and social values that underlie this constitutional freedom and that give public relations and other management…

This booklet is part of a series of monographs focusing on conflicts of interest in different sectors of the financial industry. This particular study examines a number of conflict-of-interest problems related to the management of public pension funds. In his discussion, the author analyzes a variety of related problems, such as the selection of…

This survey was concerned with the present level of professional development of financial aid officers, their training needs, and their attitudes concerning future development of the profession. Results were based upon responses of aid directors at a representative group of 122 institutions in the West. Some of the principal findings were: (1)…