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The Role Of Financial Literacy Education In Shaping Students’ Future Financial Decisions, Arianna Shornock Jan 2025

The Role Of Financial Literacy Education In Shaping Students’ Future Financial Decisions, Arianna Shornock

Honors Program Theses

This paper aims to explore the relationship between the effectiveness of financial literacy programs and their influence on students' future decision-making. In this study, survey data were collected from a random sample of young adults aged 18-25 years, primarily located in the Midwest region of the United States. This study suggests that students who took a financial literacy class are less likely to perform better on financial literacy topics and are less likely to have higher perceived confidence when making financial decisions, which contrasts with the existing evidence in the literature over financial literacy programs. Possible explanations for this deviation …


Female Client Preferences Of A Financial Advisor’S Gender, Rachel Ames Clayberg Jan 2025

Female Client Preferences Of A Financial Advisor’S Gender, Rachel Ames Clayberg

Honors Program Theses

This research examines the gender preferences of female clients when selecting a financial planner. While an increasing number of women are seeking financial advice, the percentage of female financial advisors remains relatively low, with even fewer holding the prestigious Certified Financial Planner designation. The disproportionate representation in the field raises concerns that, if women prefer to work with female financial planners, their needs may not be fully addressed. Through a survey utilizing conjoint analysis, this study determines if implicit gender bias exists when clients choose a financial planner, without directly asking clients about their preferences. Findings indicate that female respondents …


Impact Of Esg Initiatives On Stock Returns, Reagan Lommell Jan 2024

Impact Of Esg Initiatives On Stock Returns, Reagan Lommell

Honors Program Theses

In recent years, there has been an uproar of the term “ESG” to describe a firm’s risk on the environmental, social, and governmental aspects of their business. The term/concept was not new, per se, as it was referred to in other ways, such as “Triple Bottom Line,” PPP (People, Planet, Profit, SRI (Socially Responsible Investing (SRI), etc. With the recent traction, consumers as well as stakeholders, have become more concerned with how their business is being managed, especially in terms of environmental, social, and governance issues. While companies utilize many practices to promote the framework and subsequently add value to …


Turning The Tides - An Examination Of The Red Tide Epidemic In Florida, Dahlia Lilleslåtten Jan 2020

Turning The Tides - An Examination Of The Red Tide Epidemic In Florida, Dahlia Lilleslåtten

Honors Program Theses

Southwest Florida’s red tides are characterized by patches of maroon-colored water, respiratory irritants, and elevated levels of marine mortalities. While a natural phenomenon, red tide has a devastating impact on aquatic ecosystems that become overwhelmed with dense aggregations of unicellular organisms and the subsequent brevetoxins that are released into the air. ​This paper reviews recent research on the Gulf Coast’s red tide epidemic in an attempt to fully understand the cause of the heightened intensity, frequency, and duration of algal blooms. It goes on to highlight the Sanibel and Captiva Islands’ rich history in conservation, and how this foundation of …


The Effects Of Casinos On Unemployment: A County Level Analysis, Sally Anne St. Clair Kron Jan 2019

The Effects Of Casinos On Unemployment: A County Level Analysis, Sally Anne St. Clair Kron

Honors Program Theses

The gambling industry in the United States has experienced significant growth over the past thirty years. As the industry continues to expand, legislators must consider the pros and cons that accompany the industry expansion. This paper examines if the social and economic benefits from the casino industry outweigh the social and economic costs of gambling with a specific focus on the effects on unemployment. The gaming industry creates tax revenue, employment, and entertainment for the community. But it also has a regressive tax structure and creates problems like pathological gambling. This paper analyzes this tradeoff and uses Ordinary Least Squares …


Work-Related Outcomes And Organizational Commitment, Mushaun Miller Jan 2019

Work-Related Outcomes And Organizational Commitment, Mushaun Miller

Honors Program Theses

The modern workplace encompasses a multi-generational and diverse workforce. Now more than ever, workplaces include those of various ages, backgrounds, races, and more. It is important for an organization to manage the differences among its employees in order to influence personal and organizational outcomes. After all, work-related personal outcomes allow the employee to evaluate the organization and find his/her place within it- which influences commitment to an organization. Organizational commitment is a crucial goal due to its ability to reduce various dysfunctional behaviors such as absenteeism or turnover. High organizational commitment also leads to various positive outcomes including stronger customer …


English Proficiency And Earnings Of U.S. Immigrants, Toni F. Moeller Jan 2018

English Proficiency And Earnings Of U.S. Immigrants, Toni F. Moeller

Honors Program Theses

Every year thousands of immigrants come to the United States and look to join the labor force. Most of these immigrants have a first language that is not English. This study analyzes how wage income, business and farm income, and investment income are affected by English proficiency in 2004, 2009, and 2014. I use data from the American Community Survey and a log-linear econometric model to explore this relationship. I conclude that wage income and business and farm income had a positive relationship with English proficiency in 2004, 2009, and 2014 whereas investment income only had a significant positive relationship …


Risk Management Plans For University Athletic Facilities, Brittney Donlin Jan 2011

Risk Management Plans For University Athletic Facilities, Brittney Donlin

Honors Program Theses

Researching available literature on the specific topic of risk management planning for athletic facilities indicates that there is a dearth of work in this area1 . This finding is surprising given the number of people attending college and professional athletic events each weekend and recent history of violent incidents, such as the shootings in Tucson, Northern Illinois University and Virginia Polytechnic Institute (VPI). The limited articles available in this area provide an explanation of risk management processes and methodologies related to controlling campus risks, mostly focusing on the insuring of physical property against the perils of fire, wind, water and …


'Fermenting' A Successful Business: Beyer's Wine Cellar, Connie J. Beyer Jan 2010

'Fermenting' A Successful Business: Beyer's Wine Cellar, Connie J. Beyer

Honors Program Theses

Beyer's Wine Cellar will be a vineyard and winery located in Mitchell, Iowa. Donald and Lucinda plan to begin production in the Fall of 2011 and begin selling wine to customers in the Spring of 2012. The wines that Beyer's Wine Cellar produces will be sold through the tasting room. Furthermore, Donald and Lucinda also plan to offer wine and grape education classes for the eager wine consumers in the area.


The Free Trade Area Of The Americas: Assessing The Potential Of Hemisphere-Wide Free Trade, Andrea M. Smiens Jan 2005

The Free Trade Area Of The Americas: Assessing The Potential Of Hemisphere-Wide Free Trade, Andrea M. Smiens

Honors Program Theses

In December of 1994, the United States and the other thirty-three heads of state from the democracies in the western hemisphere met in Miami to discuss the creation of a hemispherewide free trade area, known as the Free Trade Area of the Americas. Negotiations for the free trade agreement were set for completion by January of 2005, with implementation by December 31, 2005. Ten years later, the idealistic ambitions seem to have dimmed and the western hemisphere seems as far from agreement as ever. Amidst security concerns, conflicting interests and vastly different levels of development, is there any hope?