Objective measures of elderly women\u27s economic well-being

The overall purpose of this research was to investigate the economic position of elderly women. Two private mechanisms with potential effect on economic well-being for women--labor force attachment and financial support within the family structure--provided the basis for the research objectives: (1) to substantiate the impact of a women\u27s labor force attachment on her contribution to personal economic well-being in retirement; and (2) to develop a model to predict the characteristics of an elderly woman as recipient of financial transfers from family members;The data were obtained from the 1979 wave of the Social Security Administration\u27s Longitudinal Retirement History Survey. Regression analysis was the primary statistical technique employed;For Objective I, a sample of about 1,000 women in the cohort age 68-73 was used to examine influences of independent variables on older women\u27s contribution to financial resources in retirement. It was concluded from this study that labor force participation of women, though it varied substantially depending on marital status, had a significant impact on her contribution to economic well-being in retirement. Married women showed the lowest contribution; widowed and divorced women showed the highest. Marital status and race significantly described a women\u27s own contribution to available financial resources in the last life cycle stage. Education and occupational type did not;For Objective II, the sample of 1,878 elderly women age 68-73 was dichotomized to differentiate those elderly women reporting receipt of family financial transfers from those who reported none. Only the financial variables of current income and net worth were significant in describing recipients. Nonsignificant variables included health status, household composition, race, marital status, receipt of public welfare, recent change in income, home ownership, and current employment;The relationship between current income and receipt of financial transfers was positive. Empirical knowledge about transfers of good and services to elderly family members who are poorer is conclusive. However, this study indicated the same hypothesis may not be appropriate for financial transfers

Oklahoma Women's Use and Knowledge of Consumer Credit

Housing, Design, and Consumer Resource

Training Educators and Community Collaborators Using a Satellite Videoconference Format

Financial security is the ability to meet future needs while keeping pace with day-to-day obligations. The Cooperative Extension National initiative Financial Security in Later Life seeks to a) help people improve personal finance behaviors leading to financial security in later life, b) enhance the capacity of local educators and their partners to deliver effective programs, and c) increase economic vitality and quality of life for families and communities. A satellite videoconference designed to increase the capacity of educators and community partners to deliver effective programs was held in December 2003. On-line evaluations indicate this capacity-building opportunity clearly met objectives

BMPs as Mediators of Roof Plate Repulsion of Commissural Neurons

AbstractDuring spinal cord development, commissural (C) neurons, located near the dorsal midline, send axons ventrally and across the floor plate (FP). The trajectory of these axons toward the FP is guided in part by netrins. The mechanisms that guide the early phase of C axon extension, however, have not been resolved. We show that the roof plate (RP) expresses a diffusible activity that repels C axons and orients their growth within the dorsal spinal cord. Bone morphogenetic proteins (BMPs) appear to act as RP-derived chemorepellents that guide the early trajectory of the axons of C neurons in the developing spinal cord: BMP7 mimics the RP repellent activity for C axons in vitro, can act directly to collapse C growth cones, and appears to serve an essential function in RP repulsion of C axons

Personal Finance: An Interdisciplinary Profession

This commentary recommends that financial counseling and planning research, education, and practice be framed as an interdisciplinary profession called personal finance. Authors summarize the history of the profession and key theories providing the conceptual foundation. In order for the emerging profession of personal finance to achieve significant visibility and gain maturity, professionals must reach consensus on definining collective scholarship. Readers are encouraged to engage in the dialogue and comment on the call to action by contacting the lead author

Objective measures of elderly women's economic well-being

The overall purpose of this research was to investigate the economic position of elderly women. Two private mechanisms with potential effect on economic well-being for women--labor force attachment and financial support within the family structure--provided the basis for the research objectives: (1) to substantiate the impact of a women's labor force attachment on her contribution to personal economic well-being in retirement; and (2) to develop a model to predict the characteristics of an elderly woman as recipient of financial transfers from family members;The data were obtained from the 1979 wave of the Social Security Administration's Longitudinal Retirement History Survey. Regression analysis was the primary statistical technique employed;For Objective I, a sample of about 1,000 women in the cohort age 68-73 was used to examine influences of independent variables on older women's contribution to financial resources in retirement. It was concluded from this study that labor force participation of women, though it varied substantially depending on marital status, had a significant impact on her contribution to economic well-being in retirement. Married women showed the lowest contribution; widowed and divorced women showed the highest. Marital status and race significantly described a women's own contribution to available financial resources in the last life cycle stage. Education and occupational type did not;For Objective II, the sample of 1,878 elderly women age 68-73 was dichotomized to differentiate those elderly women reporting receipt of family financial transfers from those who reported none. Only the financial variables of current income and net worth were significant in describing recipients. Nonsignificant variables included health status, household composition, race, marital status, receipt of public welfare, recent change in income, home ownership, and current employment;The relationship between current income and receipt of financial transfers was positive. Empirical knowledge about transfers of good and services to elderly family members who are poorer is conclusive. However, this study indicated the same hypothesis may not be appropriate for financial transfers.</p

The Potential of the Public-Private Partnership in Outreach

In the inaugural issue of the this journal, the late Ernes Boyer wrote eloquently about the responsibility of higher education to become more vigorously engaged in the issues of the day, connecting the rich resources of the university to pressing social problems. He spoke of the scholarship of engagement that creates a special climate in which academic and civic cultures communicate creatively with each other, enriching the quality of life for all. Boyer was convinced of the value of scholars and practitioners speaking and listening carefully to each other (1996).This article is published as Fletcher, C. N., Hogarth, J., and J. Schuchardt. “The Potential of the Public-Private Partnership in Outreach.” Journal of Public Service and Outreach. 2(3);71-78. Posted with permission. </p

Financial literacy and education research priorities

Twenty-nine scholars from public and private universities, non-profit organizations, and the federal government participated in a National Research Symposium on Financial Literacy and Education in October 2008 in Washington, DC. The purpose was to identify critical research questions that could inform outcomes-based financial education, relevant public policy, and effective practice leading to personal and family financial literacy. Following the symposium, the U.S. Department of the Treasury released a comprehensive report. This paper summarizes the key findings and recommendations from the report and how researchers can use this information to extend the breadth and depth of research in the area of financial literacy and education. © 2009 Association for Financial Counseling and Planning Education®