Khảo Sát Sự Chuẩn Bị Nghỉ Hưu Giữa Người Mỹ Gốc Phi

Anderson, A., Baker, F., & Robinson, D. T. (2015). Precautionary savings, retirement planning and misperceptions of financial literacy. National Bureau of Economics Research. July 2015. citation_journal_title=Journal Of Financial Counseling And Planning; citation_title=College students and financial distress: exploring debt, financial satisfaction, and financial anxiety; citation_author=KL Archuleta, A Dale, SM Spann; citation_volume=24; citation_issue=2; citation_publication_date=2013; citation_pages=50-62; citation_id=CR2 Ariel Education Initiatives & Aon Hewitt Study. (2012). 401k plans in living color: A study of 401k savings disparities across racial and ethnic groups. Washington, DC: The Ariel/Aon Hewitt study 2012. Retrived from https://www.arielinvestments.com/images/stories/PDF/ariel-aonhewitt-2012.pdf citation_journal_title=Journal Of Financial Counseling & Planning; citation_title=Positive psychological attributes and retirement satisfaction; citation_author=SD Asebedo, MC Seay; citation_volume=25; citation_issue=2; citation_publication_date=2015; citation_pages=161-173; citation_id=CR4 citation_journal_title=Journal of Economic Perspectives; citation_title=The life-cycle model of consumption and saving; citation_author=M Browning, T Crossley; citation_volume=15; citation_issue=3; citation_publication_date=2001; citation_pages=3-22; citation_doi=10.1257/jep.15.3.3; citation_id=CR5 citation_journal_title=The Journal of Consumer Research; citation_title=Designing research for application; citation_author=BJ Calder, LW Phillips, AM Tybout; citation_volume=8; citation_issue=2; citation_publication_date=1981; citation_pages=197-207; citation_doi=10.1086/208856; citation_id=CR6 citation_title=Social security: who’s counting on it? (fact sheet #252); citation_publication_date=2012; citation_id=CR7; citation_author=S Caldera; citation_publisher=AARP Public Policy Institute citation_journal_title=Financial Services Review; citation_title=Gender differences in personal financial literacy among college students; citation_author=H Chen, RP Volpe; citation_volume=11; citation_issue=3; citation_publication_date=2002; citation_pages=289-307; citation_id=CR8 Deaton, A (2005) Franco Modigliani and the life cycle theory of consumption. Rhode Island. Cambridge Mass. Research program in development studies and center for health and well-being. Princeton University. Retrieved from http://www.fidelity.com/inside-fidelity/individual-investing/fidelity-study-finds-financial-crisis-was-wake-up-call-for-investors . FINRA, (2012). National financial capability study. Retrieved from http://usfinancialcapability.org/downloads/NFCS_2012_Natl_Qre_Eng.pdf citation_journal_title=Journal of Gerontology; citation_title=Pathway to retirement: patterns of labor force participation and labor force exit among the pre-retirement population by race, Hispanic origin, and sex; citation_author=C Flippen, M Tienda; citation_volume=55; citation_issue=1; citation_publication_date=2000; citation_pages=S14-S27; citation_doi=10.1093/geronb/55.1.S14; citation_id=CR11 citation_journal_title=Journal of Family and Economic Issues; citation_title=Differences in the likelihood of ownership of retirement saving assets by the foreign and native-born; citation_author=A Fontes; citation_volume=32; citation_issue=4; citation_publication_date=2011; citation_pages=612-624; citation_doi=10.1007/s10834-011-9262-3; citation_id=CR12 citation_journal_title=Journal of Financial Counseling and Planning; citation_title=Association between behavioral life-cycle constructs and financial risk tolerance of low-to-moderate-income households; citation_author=TS Griesdorn, JM Lown, SA DeVaney, SH Cho, DA Evans; citation_volume=25; citation_issue=1; citation_publication_date=2014; citation_pages=27-40; citation_id=CR13 citation_title=How financial literacy and impatience shape retirement wealth and investment behavior US (WP 2010–233); citation_publication_date=2010; citation_id=CR14; citation_author=OS Hasting; citation_author=O Mitchell; citation_publisher=University of Michigan Retirement Research Center Hastings, J. S., Mitchell, O. S. (2011). How financial literacy and impatience shape retirement wealth and investments behaviors (NBER Working Paper 16740). Cambridge, MA: NBER. citation_journal_title=Journal of Financial Counseling and Planning; citation_title=Optimal portfolio for retirement; citation_author=CB Hatcher; citation_volume=19; citation_issue=2; citation_publication_date=2008; citation_pages=59-66; citation_id=CR16 citation_journal_title=Financial Services Review; citation_title=Low-income employees: the relationship between information from formal advisors and financial behaviors; citation_author=CR Hudson, L Palmer; citation_volume=23; citation_issue=1; citation_publication_date=2014; citation_pages=25-43; citation_id=CR17 Hung, A. A., Meijer, E., Mihaly, K., & Yoong, J. K. (2009) Building up, spending down: financial literacy, retirement savings management and decumulation. Washington D.C.: RAND Center for study of aging. Retrieved from http://www.urban.org/UploadedPDF/412627-Changes-in-Wealth-of-Low-Income-Neighborhood-Residents-A-Local-View-of-the-Financial-Crisis.pdf citation_journal_title=The Journal of Consumer Affairs; citation_title=Measuring financial literacy; citation_author=S Huston; citation_volume=44; citation_issue=2; citation_publication_date=2010; citation_pages=296-316; citation_doi=10.1111/j.1745-6606.2010.01170.x; citation_id=CR19 citation_journal_title=Journal of Financial Counseling and Planning; citation_title=Employee education and the likelihood of having a retirement savings program; citation_author=S Joo, JE Grable; citation_volume=16; citation_issue=1; citation_publication_date=2005; citation_pages=37-49; citation_id=CR20 citation_journal_title=Journal of Personal Finance; citation_title=Does financial sophistication matter in retirement planning; citation_author=KT Kim, SD Hanna; citation_volume=14; citation_issue=2; citation_publication_date=2015; citation_pages=9-20; citation_id=CR21 citation_journal_title=Journal of Family and Economic Issues; citation_title=Information search for retirement plans among financially distressed consumers; citation_author=H Kim, J Kim; citation_volume=31; citation_issue=1; citation_publication_date=2010; citation_pages=51-62; citation_doi=10.1007/s10834-009-9179-2; citation_id=CR22 citation_journal_title=Journal of Financial Counseling and Planning Education; citation_title=Factors related to retirement confidence: retirement preparation and workplace financial education; citation_author=J Kim, J Kwon, EA Anderson; citation_volume=16; citation_issue=2; citation_publication_date=2005; citation_pages=77-89; citation_id=CR23 citation_title=24 binary logistic regression; citation_inbook_title=Best practices in quantitative methods; citation_publication_date=2008; citation_pages=358-385; citation_id=CR24; citation_author=J King; citation_publisher=SAGE Publications, Inc. citation_journal_title=Financial Services Review; citation_title=Retirement education in the workplace; citation_author=PA Kranjak, SA Burns, SM Natchek; citation_volume=17; citation_issue=2; citation_publication_date=2008; citation_pages=25-43; citation_id=CR25 citation_journal_title=Journal Of Financial Education; citation_title=Personal financial literacy: perceptions of knowledge, actual knowledge and behavior of college students; citation_author=PM LaBorde, S Mottner, P Whalley; citation_volume=39; citation_issue=3/4; citation_publication_date=2013; citation_pages=1-29; citation_id=CR26 Lusardi, A., (2008). Financial literacy: an essential tool for informed consumer choice. Washington, D.C.: NBER Working Paper # 14084. Retrieved from http://www.nber.org/papers/w14084 Lusardi, A., & Mitchell, O. (2006a). Baby boomer retirement security: the role of planning, financial literacy and housing wealth (WP 2006/20). Frankfort, Germany: Center for Financial Studies: Goethe University Frankfort. http://publikationen.ub.uni-frankfurt.de/frontdoor/index/index/docId/2100 ). citation_title=Financial literacy and planning: implications for retirement wellbeing; citation_publication_date=2006; citation_id=CR29; citation_author=A Lusardi; citation_author=O Mitchell; citation_publisher=Netherlands Central Bank, Research Department citation_journal_title=Business Economics; citation_title=Financial literacy and retirement preparedness: evidence and implications for financial education; citation_author=A Lusardi, OS Mitchell; citation_volume=42; citation_issue=1; citation_publication_date=2007; citation_pages=35-44; citation_doi=10.2145/20070104; citation_id=CR30 Lusardi, A., & Mitchell, O. (2010). How ordinary consumers make complex economic decisions; financial literacy and retirement readiness (WP 2010/11). Frankfort, Germany: Center for Financial Studies: Goethe University Frankfort. http://publikationen.ub.uni-frankfurt.de/frontdoor/index/index/docId/2100 ). citation_title=Financial literacy and retirement planning in the US (WP 17108); citation_publication_date=2011; citation_id=CR32; citation_author=A Lusardi; citation_author=O Mitchell; citation_publisher=National Bureau of Economic Research citation_journal_title=Financial Counseling and Planning; citation_title=Translating financial education into behavior change for low-income populations; citation_author=A Lyons, Y Chang, ME Scherpf; citation_volume=17; citation_issue=2; citation_publication_date=2006; citation_pages=27-45; citation_id=CR33 citation_journal_title=Journal of Family and Economic Issues; citation_title=The value of seeking financial advice; citation_author=M Marsden, CD Zick, RN Mayer; citation_volume=32; citation_issue=4; citation_publication_date=2011; citation_pages=625-643; citation_doi=10.1007/s10834-011-9258-z; citation_id=CR34 citation_title=PISA 2012 financial literacy assessment framework; citation_publication_date=2012; citation_id=CR35; citation_publisher=OECD citation_title=Logistic Regression; citation_publication_date=2000; citation_id=CR36; citation_author=FC Pampel; citation_publisher=SAGE Publications, Inc. Parker, A.M., Bruine de Bruin, Yoong, J., & Willis R. (2011). Inappropriate confidence and retirement planning: four studies with a national sample. Journal of Behavioral Decision Making. citation_journal_title=Journal of Family and Economic Issues; citation_title=Spending today or saving for tomorrow: the influence of family financial socialization on financial preparation for retirement; citation_author=SH Payne, JB Yorgason, JP Dew; citation_volume=35; citation_issue=1; citation_publication_date=2014; citation_pages=106-118; citation_doi=10.1007/s10834-013-9363-2; citation_id=CR38 citation_journal_title=Understanding Statistics; citation_title=Logistic regression analysis and reporting: a primer; citation_author=C-YJ Peng, T-SH So; citation_volume=1; citation_issue=1; citation_publication_date=2002; citation_pages=31-70; citation_doi=10.1207/S15328031US0101_04; citation_id=CR39 Prudential (2013). The African American financial experience. Retrieved from http://www.prudential.com/media/managed/aa/AAStudy.pdf citation_title=Race and retirement insecurity in the United States; citation_publication_date=2013; citation_id=CR41; citation_author=N Rhee; citation_publisher=Washington citation_journal_title=Journal of Financial Counseling and Planning; citation_title=Financial knowledge and best practice behavior; citation_author=CA Robb, AS Woodyard; citation_volume=22; citation_issue=1; citation_publication_date=2011; citation_pages=60-70; citation_id=CR42 citation_journal_title=Journal of Financial Counseling and Planning; citation_title=Motivating women to adopt positive financial behaviors; citation_author=ME Rowley, JM Lown, KW Piercy; citation_volume=23; citation_issue=1; citation_publication_date=2012; citation_pages=47-62; citation_id=CR43 citation_journal_title=Research in Higher Education; citation_title=Assessing response rates and nonresponse bias in web and paper surveys; citation_author=LJ Sax, SK Gilmartin, AN Bryant; citation_volume=44; citation_issue=4; citation_publication_date=2003; citation_pages=409-431; citation_doi=10.1023/A:1024232915870; citation_id=CR44 Sax, L. J., Gilmartin, S. K., Lee, J. J., & Hagedorn, L. S. (2003b). Using web surveys to research com- munity college students: An analysis of response rates and response bias. Paper presented at the annual meeting of the Association for Institutional Research, Tampa, FL. citation_journal_title=Journal of Family and Economic Issues; citation_title=Decision making clusters in retirement savings: gender differences dominate; citation_author=CP Speelman, M Clark-murphy, P Gerrans; citation_volume=34; citation_issue=3; citation_publication_date=2013; citation_pages=329-339; citation_doi=10.1007/s10834-012-9334-z; citation_id=CR46 citation_journal_title=Vojnosanitetski Pregled: Military Medical & Pharmaceutical Journal Of Serbia; citation_title=Understanding sensitivity, specificity and predictive values; citation_author=M Stojanović, M Apostolović, D Stojanović, Z Milosevic, A Toplaović, VM Lakušić, M Golubović; citation_volume=71; citation_issue=11; citation_publication_date=2014; citation_pages=1062; citation_doi=10.2298/VSP1411062S; citation_id=CR47 Stout, G., & Mithchell, J. B. (2009). The case for flexible retirement planning. Journal Of Personal Finance, 863–878. U. S. Census Bureau. (2014). Household income: 2013 (American Community Survey Brief No.13–02). Retrieved from https://www.census.gov/content/dam/Census/library/publications/2014/acs/acsbr13-02.pdf citation_journal_title=BMC Medical Research Methodology; citation_title=Modern modelling techniques are data hungry: a simulation study for predicting dichotomous endpoints; citation_author=T Ploeg, PC Austin, EW Steyerberg; citation_volume=14; citation_issue=1; citation_publication_date=2014; citation_pages=1-28; citation_doi=10.1186/1471-2288-14-1; citation_id=CR50 vanRooij, M., Lusardi, A., & Alessie, R. J. (2011). Financial literacy, retirement planning, and household wealth. Cambridge: National Bureau of Economic Research, Inc. http://dx.doi.org.ezproxy.auctr.edu:2051/10.3386/w17339 citation_journal_title=Washington Business Research Journal; citation_title=Financial literacy: age and experience as the determinants; citation_author=JH Young; citation_volume=3; citation_issue=1; citation_publication_date=2013; citation_pages=35-45; citation_id=CR52 citation_journal_title=Journal of Financial Counseling and Planning Education.; citation_title=Are Americans prepared for retirement?; citation_author=Y Yuh, C Montalto, S Hanna; citation_volume=9; citation_issue=1; citation_publication_date=1998; citation_pages=1-13; citation_id=CR53