"In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while also addressing policies and services than can build financial security"--
financial capability and asset holding in later life
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Financial struggles of American families are headline news. In communities across the nation, families feel the pinch of stagnant and sometimes declining incomes. Many have not recovered from the Great Recession, when millions lost their homes and retirement savings. They are bombarded dailywith vexing financial decisions: Which bills to pay? Where to cash checks? How to cover an emergency? How to improve a credit report? How to bank online? How to save for the future? Low- and moderate-income families have few places to turn for guidance on financial matters. Not many can afford to pay a financial advisor to help navigate an increasingly complex financial world. They do their best with advice from family and trusted individuals. Social workers, financial counselors, and human services professionals can help. As "first responders," they assist families and help in finding financial support from public and private sources. But these professionals are too often unprepared to address the full range of financial troubles ofordinary working families. Financial Capability and Asset Building in Vulnerable Households is the first book of its kind. It prepares social workers, financial counselors, and other human service professionals for financial practice with vulnerable families. Building on more than 20 years of research, the book sets the stagewith key concepts, historical antecedents, and current financial challenges of families in America. The book provides knowledge and tools to assist families in pressing financial circumstances. It offers a lifespan perspective of financial capability and environmental influences on financialbehaviors and actions. This important text details practice principles and skills for direct interventions, as well as for designing financial services and policy innovations. This is an essential text for preparing the next generation of practitioners who can enable families to achieve economicsecurity and development.
This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Atchley and Barusch's interdisciplinary approach has produced a text that provides the concepts, information, insight, and examples students need to achieve a basic understanding of aging as a social process. Covering the physical problems, inner experiences, and instrumental needs of the aging, the text examines aging on both an individual and societal level. It covers major areas of theory, research, social policy, and practice in a clear and organized manner to make social gerontology accessible to students from all backgrounds. This text is the classic book for the course that continually keeps pace with the dramatic changes in the field, including new theories, research, programs, and issues. Atchley and Barusch first examine individual aging-and adaptation to aging in everyday life, then move on to explore the needs and demands that aging, as a phenomenon, presents to society, while also delving into society's response to aging.
The Budget presents an updated assessment of the economy and public finances and reports on Government policies. It: shows that the economy is growing strongly and the Government is meeting its fiscal rules; announces a long-term investment programme for schools and sets out further measures to help young people develop skills; sets out reform to reduce the regulatory burden on business; announces free local travel for people over 60 and provide £200 towards the council tax bill for those over 65; makes a commitment to increase Child Tax Credit in line with earnings; doubles the threshold for stamp duty; increases the special reserve for military operations; announces a better targeted Local Enterprise Growth Initiative; introduces measures to modernise the tax system; defers any increase in fuel duty until September 2005.