{"title":"Financial Constraints, External Locus of Control, and Emotional Exhaustion","authors":"Shinae L. Choi, Wookjae Heo","doi":"10.1891/JFCP-20-00033","DOIUrl":"https://doi.org/10.1891/JFCP-20-00033","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"45 1","pages":"280 - 293"},"PeriodicalIF":1.8,"publicationDate":"2021-02-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"73902297","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The decision to attend college is a question of human capital investment, yet resources to help practitioners frame human capital investment decisions remain elusive and few include the “gold standard” of finance: net present value (NPV). Can one discuss human capital investment with an average adolescent using a traditional NPV approach? Motivated by this question, we presented 10 barriers to maximizing education–career NPV (e.g., clarity of costs, immature adolescent brains, individual discount rates). We outline an iterative, research-based approach to education–career investment, including framing the conversation, calculating paired NPVs, and structuring the decision. This multistep framework leverages practitioner expertise to help adolescents consider important lifelong financial wellness implications of human capital investment.
{"title":"Human Capital Investment for Adolescents: Barriers and Opportunities","authors":"A. M. Wright, Matthew M. Ross","doi":"10.2139/ssrn.3812687","DOIUrl":"https://doi.org/10.2139/ssrn.3812687","url":null,"abstract":"The decision to attend college is a question of human capital investment, yet resources to help practitioners frame human capital investment decisions remain elusive and few include the “gold standard” of finance: net present value (NPV). Can one discuss human capital investment with an average adolescent using a traditional NPV approach? Motivated by this question, we presented 10 barriers to maximizing education–career NPV (e.g., clarity of costs, immature adolescent brains, individual discount rates). We outline an iterative, research-based approach to education–career investment, including framing the conversation, calculating paired NPVs, and structuring the decision. This multistep framework leverages practitioner expertise to help adolescents consider important lifelong financial wellness implications of human capital investment.","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"22 1","pages":"387 - 401"},"PeriodicalIF":1.8,"publicationDate":"2021-02-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87192611","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Student Loans and Financial Satisfaction: The Moderating Role of Financial Education","authors":"K. Kim, Jae Min Lee, Jonghee Lee","doi":"10.1891/JFCP-19-00002","DOIUrl":"https://doi.org/10.1891/JFCP-19-00002","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"6 1","pages":"266 - 279"},"PeriodicalIF":1.8,"publicationDate":"2021-01-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72863075","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Self-Leadership, Financial Self-Efficacy, and Student Loan Debt","authors":"Mackenzie M. Festa, Kevin G. Knotts","doi":"10.1891/JFCP-18-00054","DOIUrl":"https://doi.org/10.1891/JFCP-18-00054","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"24 1","pages":"242 - 251"},"PeriodicalIF":1.8,"publicationDate":"2021-01-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78772148","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Overconfidence and the Credit Card Debt Puzzle","authors":"Erin E. George, Natalia Leszczyszyn","doi":"10.1891/JFCP-20-00004","DOIUrl":"https://doi.org/10.1891/JFCP-20-00004","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"1 1","pages":"252 - 265"},"PeriodicalIF":1.8,"publicationDate":"2021-01-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88698279","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Derek T. Tharp, Meghaan R. Lurtz, Katherine S. Mielitz, Michael E. Kitces, D. Ammerman
{"title":"Exploring Relationships Between Technology Use and Time Spent in the Financial Planning Process","authors":"Derek T. Tharp, Meghaan R. Lurtz, Katherine S. Mielitz, Michael E. Kitces, D. Ammerman","doi":"10.1891/JFCP-19-00047","DOIUrl":"https://doi.org/10.1891/JFCP-19-00047","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"1 1","pages":"326 - 343"},"PeriodicalIF":1.8,"publicationDate":"2021-01-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89751684","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Yiting Li, V. Zuiker, Tai J. Mendenhall, Catherine P. Montalto
{"title":"Parental Financial Socialization, Financial Experiences, and Financial Behaviors: Comparing Asian American and International Asian College Students","authors":"Yiting Li, V. Zuiker, Tai J. Mendenhall, Catherine P. Montalto","doi":"10.1891/jfcp-19-00008","DOIUrl":"https://doi.org/10.1891/jfcp-19-00008","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"414 1","pages":"68 - 85"},"PeriodicalIF":1.8,"publicationDate":"2020-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84894301","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
A. Rabbani, John E. Grable, Barbara O'Neill, F. Lawrence, Zheying Yao
{"title":"Financial Risk Tolerance Before and After a Stock Market Shock: Testing the Recency Bias Hypothesis","authors":"A. Rabbani, John E. Grable, Barbara O'Neill, F. Lawrence, Zheying Yao","doi":"10.1891/jfcp-19-00025","DOIUrl":"https://doi.org/10.1891/jfcp-19-00025","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"1 1","pages":"294 - 310"},"PeriodicalIF":1.8,"publicationDate":"2020-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83683828","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Erica Tobe, Cheryl Eschbach, R. Weber, Jinnifer Ortquist, William V. Hendrian
{"title":"Behavior Change for Low-Income Individuals Resulting From a Cooperative Extension Financial Capability Program","authors":"Erica Tobe, Cheryl Eschbach, R. Weber, Jinnifer Ortquist, William V. Hendrian","doi":"10.1891/jfcp-19-00020","DOIUrl":"https://doi.org/10.1891/jfcp-19-00020","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"1 1","pages":"231 - 241"},"PeriodicalIF":1.8,"publicationDate":"2020-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74893353","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Risk Tolerance Profiling Measure: Testing Its Reliability and Validities","authors":"Wee Kang Chung, W. Au","doi":"10.1891/jfcp-19-00033","DOIUrl":"https://doi.org/10.1891/jfcp-19-00033","url":null,"abstract":"","PeriodicalId":43746,"journal":{"name":"Journal of Financial Counseling and Planning","volume":"58 1","pages":"311 - 325"},"PeriodicalIF":1.8,"publicationDate":"2020-12-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80166967","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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