Articles using SCF datasets in the 1995 Issue of FERM Biennial

Articles using SCF datasets in the 1995 Issue of FERM Biennial



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Example of suggested citation (for those using APA format):

Y. Regina Chang (1995). The Effect of Children’s Educational Expectation on Non-Retirement Financial Asset Accumulation. Family Economics and Resource Management Biennial, 1, 57-62.



The Effect of Children’s Educational Expectation on Non-Retirement Financial Asset Accumulation

Y. Regina Chang, pp. 57-62.

Using data from the 1986 Survey of Consumer Finance, this paper investigated households’ decisions on non-retirement financial asset accumulation in response to the expectation that children in the household will
attend college. The educational expectation variables show no significant effect on this asset accumulation.
An additional dollar increase in income increases the amount of non-retirement financial asset accumulation
by $1.70, while pension coverage and value of home equity reduce it significantly.


Factors Affecting Retirement Savings of Women in Two Age Cohorts Eunice Kokrda, Sheran Cramer, pp. 115-120.

This study analyzed retirement savings of women in two groups, 40s and 50s, in relation to work history,
marital status, income, education, family/household composition, and occupation. Differences were found
between the two age cohorts for all savings categories. Variables, as predictors of retirement savings,
differed for the age cohorts with all variables explaining 67% of the variance in total retirement savings for
those in their 50’s. These findings can assist women in retirement planning.

Dataset: 1989 Survey of Consumer Finances


How Well Off Are Older Men and Women: Evidence from the 1989 Survey of Consumer Finances

Sharon A. DeVaney, pp. 121-127

Liquid assets and net worth of married couple, single male, and single female households before and after
normal retirement age was examined using data from the 1989 Survey of Consumer Finances. Age and
income were indicators of liquid assets for single-male and single-female heads. The indicators of liquid
assets for married couples were income, race, employment status, and health. The indicators of net worth
were as follows: single male-heads, income; single female-heads, income and race; and married households,
income, education, race, employment status, and health.


The Impact of Banking Deregulation on Family Checking Ownership and Balance

Jing Jian Xiao, Lakshmi Malroutu, Geraldine I. Olson, pp. 137-138

Datasets: 1983 and 1989 Surveys of Consumer Finances.


Effect of Social-Economic and Housing Characteristics on the Housing Status of the Elderly


Lillian Y. Zhu, pp. 209-210.

Datasets: 1983 and 1989 Surveys of Consumer Finances.