Passages and Epiphanies

When asked a few months ago to say a few words of introduction for the Presentations of the Covenant Players, I was more than a little diffident about doing so, The bete noire for many performing artists as for painters and poets is over- explanation. If a piece needs a great deal of interpretation before and after, it tends to lose its primary impact which should be direct and immediate. As an occasional and very amateur painter I now something of the frustration attendant upon the question: What are you trying to say? I have been tempted to round on the questioner with the brusque response: What I have been trying to say is this picture

Inter-Observer Risk-Tolerance Agreement Between Husbands And Wives

The purpose of this research was to test the extent to which variability in husbands’ and wives’ self-assessed financial risk can be attributed to variation in risk tolerance or observer bias resulting from measurement error. Using a sample of 188 well-educated married couples, scores from the Survey of Consumer Finances single risk-assessment item were used to evaluate the following null hypothesis: Husbands and wives do not agree on their level of financial risk tolerance. The hypothesis was tested using a percentage agreement test, a Kappa coefficient test, and a chi-square analysis. Findings led to a rejection of the null hypothesis. That is, couples exhibited general agreement in their assessment of financial risk tolerance, although the level of agreement was rather modest

Narrative Financial Therapy: Integrating a Financial Planning Approach with Therapeutic Theory

The article serves as one of the first attempts to develop an integrated theoretical approach to financial therapy that can be used by practitioners from multiple disciplines. The presented approach integrates the components of the six-step financial planning process with components of empirically-supported therapeutic methods. This integration provides the foundation for a manualized approach to financial therapy, shaped by the writings of narrative theorists and select cognitive-behavioral interventions that can be used both by mental health and financial professionals

A Peer-Based Financial Planning and Education Service Program: An Innovative Pedagogic Approach

This paper presents a peer-based financial planning and education program as a strategy to address the lack of financial literacy among college students and provide an experiential/earning opportunity for students majoring in financial planning or other financial services-related disciplines. Benefits of such programs to campus communities are addressed by illustrating the current trends regarding student debt and financial literacy. The paper provides a specific description of a successful peer-to-peer financial planning and education program and encourages its replication at other colleges and universities. Through the review of this program, other schools may emulate effective strategies to assist in the implementation of this program as a pedagogical tool to improve students\u27 educational experience

Helping Undergraduates Discover The Value Of A Dollar Through Self-Monitoring

Many college undergraduates lack basic financial management knowledge and skills while bearing ever increasing debt burdens upon graduation. In order to encourage students to become aware of their spending patterns and weigh those patterns against personal values, a self-monitoring project was implemented as a class activity. The resulting effect on financial behavior was examined. Analysis of participants’ self-reflection papers revealed that awareness of spending behaviors increased universally among participants, and a significant proportion of students spontaneously modified spending behaviors to more closely conform to personal values. Participants consistently reported the importance of a spending management tool in modifying spending behavior

A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach

This paper presents a peer-based financial planning and education program as a strategy to address the lack of financial literacy among college students and provide an experiential learning opportunity for students majoring in financial planning or other financial services-related disciplines. Benefits of such programs to campus communities are addressed by illustrating the current trends regarding student debt and financial literacy. The paper provides a specific description of a successful peer-to-peer financial planning and education program and encourages its replication at other colleges and universities. Through the review of this program, other schools may emulate effective strategies to assist in the implementation of this program as a pedagogical tool to improve students’ educational experience

Determination of semi-arid landscape endmembers and seasonal trends using convex geometry spectral unmixing techniques

Airborne Visible/Infrared Imaging Spectrometer (AVIRIS) data were acquired during three consecutive growing seasons (26 September 1989, 22 March 1990, and 7 August 1990) over an area of the High Plains east of Greeley, Colorado (40 deg 20 min N and 104 deg 16 min W). A repeat visit to assess vegetation at its peak growth was flown on 6 June 1993. This region contains extensive eolian deposits in the form of stabilized dune complexes (small scale parabolic dunes superimposed on large scale longitudinal and parabolic dunes). Due to the dunes' large scale (2-10 km) and low relief (1-5 m), the scaling and morphological relationships that contribute to the evolution of this landscape are nearly impossible to understand without the use of remote sensing. Additionally, this area and regions similarly situated could be the first to experience the effects caused by global climate change. During the past 10,000 years there were at least four periods of extensive sand activity due to climate change, followed by periods of landscape stability, as shown in the stratigraphic record of this area

Integration Of Professional Certification Examinations With The Financial Planning Curriculum: Increasing Efficiency, Motivation, And Professional Success

This article provides a theoretical-based rationale and plan of action for educational programs to encourage and create opportunities for the integration of course study with professional exam preparation, while highlighting the complementary benefits for students, academic programs, and the financial services profession. Serving primarily as a model for faculty associated with university-based financial planning education, this article also provides a foundation for future research in this area. In addition, the article presents descriptive information on select designations and licenses currently available that finance and financial planning students could pursue concurrently with coursework