Effect of Personal Financial Knowledge on College Students’ Credit Card Behavior


Robb, C.A. and Sharpe, D.L. (2009). Effect of Personal Financial Knowledge on College Students’ Credit Card Behavior. Association for Financial Counseling and Planning Education. 25-43.

Abstract: Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were not significantly …

Educating Widows in Personal Financial Planning


Korb, B. R. (2010). Financial planners: Educating widows in personal financial planning. Journal of Financial Counseling and Planning 21 (2), pp. 3-15.

Brief Description:  Financial planners and their widowed clients were interviewed. Research revealed that widows vary by age in terms of their knowledge level and risk tolerance as well as their needs for financial advice and education, with the younger widows were less risk adverse and more financially literate but in need of financial guidance for a longer time …

Military discharge papers

To obtain copies of military discharge papers, request Standard Form 180 (SF-180) from any office of the Veterans Administration, American Legion, Veterans of Foreign Wars, or Red Cross or from other veterans associations or military recruiters. You can also download Standard Form 180 from the National Personnel Records Center. Click here to download form SF-180. Send the completed form to:

National Personnel Records Center
Military Personnel Records
9700 Page Avenue
St. Louis, MO 63132-5100

The National Personnel Records Center …

Financial Security: Consumer Credit

Credit can be a successful financial management tool. Using credit allows you flexibility in managing your budget to purchase goods and services when they are needed the most, not when you have the cash on hand to pay for them. You are offered credit because people trust you to repay them within a stated period of time.

Example of credit cards, (c) FreeFoto.com
“Credit Cards” by FreeFoto.com, CC BY-NC-ND 3.0

Consumer credit takes many forms, including installment loans, credit cards, department store revolving charge accounts, home …