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Articles 1 - 3 of 3
Full-Text Articles in Business
Financial Literacy And Retirement Planning In Australia, Julie R. Agnew, Hazel Bateman, Susan Thorp
Financial Literacy And Retirement Planning In Australia, Julie R. Agnew, Hazel Bateman, Susan Thorp
Numeracy
Financial literacy and numeracy are closely tied. Furthermore, financial literacy has been shown to relate to important financial behaviors. This study examines the relationship between financial literacy and retirement planning using a measure that includes questions requiring numeracy. We implement a customized survey to a representative sample of 1,024 Australians. Overall, we find aggregate levels of financial literacy similar to comparable countries with the young, least educated, those not employed, and those not in the labor force most at risk. Our financial literacy measure is positively related to retirement planning in our sample.
The Problem Of Too Many Statistical Tests: Subgroup Analyses In A Study Comparing The Effectiveness Of Online And Live Lectures, David M. Lane
The Problem Of Too Many Statistical Tests: Subgroup Analyses In A Study Comparing The Effectiveness Of Online And Live Lectures, David M. Lane
Numeracy
The more statistical analyses performed in the analysis of research data, the more likely it is that one or more of the conclusions will be in error. Multiple statistical analyses can occur when the sample contains several subgroups and the researchers perform separate analyses for each subgroup. For example, separate analyses may be done for different ethnic groups, different levels of education, and/or for both genders. Media reports of research frequently omit information on the number of subgroup analyses performed thus leaving the reader with insufficient information to assess the validity of the conclusions. This article discusses the problems with …
Personal Financial Behavior: The Influence Of Quantitative Literacy And Material Values, Pete Nye, Cinnamon Hillyard
Personal Financial Behavior: The Influence Of Quantitative Literacy And Material Values, Pete Nye, Cinnamon Hillyard
Numeracy
Some consumers finance discretionary spending at extremely high interest rates. Many carry substantial balances on their credit cards at effective annual rates as high as 36 percent, and some pay annual rates on “pay day” loans as high as 400 percent. High interest debt can rapidly cascade into an overwhelming financial burden, threatening the consumer’s credit and long-term financial health.
This survey study investigates how quantitative literacy may promote forward-looking financial decisions, decisions that recognize the long-term consequences of current choices and may favor the future over the present. In addition, we examine the consumer’s confidence in their quantitative skills. …