Digital Commons Network^™

Attitudes Toward Immediate Annuities, Devon K. Robb

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Retirement security for Americans is one of the most critical public policy and personal financial issues and will be for decades in the future. Individuals that retire today can live an additional 30 or even 40 years with less secure income as corporations shift to defined contribution plans to fund retirement. Based on the life cycle savings hypothesis, immediate annuities should be appealing to retirees because they insure against the risks of outliving retirement assets by converting funds into a lifelong stream of income. However, research has found that retirees are reluctant to annuitize their wealth. This study examined the …

The Essential Structure Of Compulsive Buying: A Phenomenological Inquiry, Letty Workman

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

While many jokes and sales of specialty merchandise have been made that make light of consumers who frequently shop and buy (e.g., "When the going gets tough, the tough go shopping," or "I am a shopaholic"), for 18 million Americans suffering from compulsive buying, the process of shopping and buying has caused their lives to literally go out of control. The outcomes of this disease for individuals, families, and business are all negative. In a marketing era of social responsibility, if marketers either knowingly or unknowingly encourage increased consumption among compulsive buyers, potential negative outcomes stand to impact others well …

An Analysis Of Reverse Mortgage Clients At The Utah State University Family Life Center Housing And Financial Counseling Services, Cindy R. Stokes

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The purposes of this study were to describe and categorize the types of clients seeking reverse mortgage counseling, and to document the growth in demand for reverse mortgage counseling from one counseling center: The USU Family Life Center - Housing and Financial Counseling Services (FLC HFC). A second purpose was to gain a better understanding of the reasons why more senior Americans are seeking reverse mortgages. A third purpose was to gain a better understanding of the retirement preparedness of current seniors seeking reverse mortgages, which could lead to improved counseling services, early retirement intervention awareness, and encourage increased pre-retirement …

An Evolutionary Approach To Optimization Of Compound Stock Trading Indicators Used To Confirm Buy Signals, Allan W. Teeples

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This thesis examines the application of genetic algorithms to the optimization of a composite set of technical indicator filters to confirm or reject buy signals in stock trading, based on probabilistic values derived from historical data. The simplicity of the design, which gives each filter within the composite filter the ability to act independently of the other filters, is outlined, and the cumulative indirect effect each filter has on all the others is discussed. This system is contrasted with the complexity of systems from previous research that attempt to merge several indicator filters together by giving each one a weight …

Evaluating Student Perceptions Of Value And Preferences For Online Programs In Skill-Based Learning: An Applied Exercise, Darcy Lynn Stewart

Undergraduate Honors Capstone Projects

In an age where training and knowledge are easily accessible online, textbooks, lecture slides and other class materials have migrated to online programs. Online programs are becoming easier to maintain for professors and administrators and offer some convenience and efficiency that traditional classroom lectures do not. It is widely assumed that students who have grown up with cell phones, email accounts, social media, iPods, Google and laptops easily identify with internet based applications. This research studies a group of over 30 university students seeking to develop skill-­‐sets to prepare them for entering the workforce through participation in an online and …

The Temple Recommend: A Solution To The Free-Rider Problem, Austin Bowles

Undergraduate Honors Capstone Projects

Temple worship and geographical boundaries are unique features of the Church of Jesus Christ of Latter-day Saints (LDS Church). Our research uses economic theory to understand how the organizational benefits of the temple recommend system and the geographical ward boundaries may solve the market failures associated with religious organizations. These features of the LDS Church will be used to create a framework for understanding how the church limits free-riding and sub-optimal participation, which would result in increased efficiency and production of large religious benefits. Because the market failures faced by the church are the same as those faced by other …

Family-Owned Businesses: Determinants Of Business Success And Profitability, Jeffrey S. Wallace

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

The purpose of this study was to examine many factors associated with family-owned businesses that lead to business success and profitability. The panel data used in this study came from the 1997 and 2000 waves of the National Family Business Study (NFBS). Many independent variables from the 1997 wave (e.g., age, gender, managerial activities, business size, home-based, business problems) were tested to predict business success and profitability (dependent variables), which were variables from the 2000 wave.

Some of the descriptive analyses indicated that, compared to female managers, male managers perceived less business success, participated more in managerial activities, managed older …

An Examination Of Integrated Rural Tourism Development In The Goris Region Of Armenia, Luke Alan Petersen

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

Rural tourism is a popular development tool in both developed and developing countries. However, rural economic development can be problematic when considering the diversity of resources and stakeholder groups. In the Republic of Armenia the current system of tourism development is not benefiting rural communities in the regions. This study seeks to provide a deeper understanding of community dynamics in the rural region of Goris through the study of tourism integration. A novel assessment tool is implemented which provides a systematic qualitative evaluation of stakeholder perceptions through which strengths and weaknesses of the local tourism sector are derived. Data extracted …

Financial Management Practices And Conflict Management Styles Of Couples In Great Marriages, Amanda Marie Horrocks

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This study presents findings on the financial management practices and degrees of conflict of couples in great marriages. Qualitative data from a national sample of couples in great marriages were collected using a 31-page questionnaire. Of the 81 couples who responded, 40 fit the criteria for this study in that they discussed their level of agreement about financial issues in marriage. Their responses were coded to discover which financial topics are pervasive and whether or not couples agreed over these topics. Responses about conflict were also analyzed to determine the degree of agreement between spouses in different categories. Findings from …

Service Undone: A Grounded Theory Of Strategically Constructed Silos And Their Impact On Customer-Company Interactions From The Perspective Of Retail Employees, Kelley A. O'Reilly

All Graduate Theses and Dissertations, Spring 1920 to Summer 2023

This work elaborates the impacts of strategically constructed silos that are not byproducts of flagging cross-departmental cooperation or the cumulative effect of decades of decentralized command and control. Rather, these silos are strategically intended structures within organizations. Most significantly, the substantive theory of strategically constructed silos and their impact on customer service contributes to the field by illustrating the presence and consequence of silos occurring in suboptimal conditions. The existence of silos has implications that extend far beyond the retail area.

A key take-away from this research is that contrary to how most customer service processes are designed, not all …

The Relationship Between History, Culture, And Chinese Business Practices: Using Sociological Awareness To Avoid Common Faux Pas, Vikki A. Ballard

Undergraduate Honors Capstone Projects

As the world continues to become more global, and as economies continue to develop, more emphasis is being placed on understanding the business environment of cultures around the world. There is perhaps no other nation or culture globally that has been discussed as much as China. This is because the United States is one of the largest foreign investors in China (Li, 2008). The importance of the Chinese market to the U.S. lies in its wealth of people and resources and the millions of new consumers joining the market every day. As a nation of 1.3 billion citizens, with a …

The Impact Of Virtual Private Network (Vpn) On A Company's Network, J. Myles Powell

Undergraduate Honors Capstone Projects

Virtual private networks (VPN) are used by remote clients to securely connect to company networks. This research discusses the performance of two different VPN configurations to determine their impact on a company's data communication network. The network configurations for this model are typical real-world networks complete with geographically diverse business office locations, a company headquarter, and a separate data warehouse location.

The effects of the two VPN configurations are then tested using the academic version of OPNET IT Guru network simulation software. Analysis of the data collected from the simulations show the different network performance that results from the use …