This paper discusses adults who are dealing with limited financial means under the premises of disability and over-indebtedness. To this end, the authors examined the concepts of vulnerability, financial literacy and the numerate environment for systematising and presenting findings from a qualitative secondary analysis of qualitative data sets…

In dealing with over-indebtedness and poverty, numeracy appears necessary for affected persons, in order to use the scarce money available with foresight and to avoid financially negative decisions. However, numeracy as an essential part of (financial) basic education for adults has not yet been systematically taken into account in German debt…

The study reported here explored level of interest and preferred delivery method of Extension programming related to financial management and relationship skills education. These two subjects comprise areas of Extension that often receive less recognition but appear as pertinent issues in the lives of many individuals. Using a diverse sample of…

According to Census data, more than 12 million adults in the United States report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the United States, including financial literacy--the ability to make informed…

This article draws upon expected retirement age cohorts as a main determinant to financial planning preparation in Malaysia. The return rate was 55% from 600 questionnaires distributed. Five hypotheses were analyzed using hierarchical and stepwise regression analysis. The results revealed that expected retirement age cohort variables made…

Widows constitute a growing segment of the U.S. population; however, very little has been done to educate them on the basics of personal financial planning. The creation and implementation of financial planning education programs for widows can help them become more financially literate and free them from anxiety and fear. Interviews with eight…

Holding a bank account is crucial to the income-maximizing and asset-building of households. This study uses 2008 survey data of EITC-eligible households assisted at Volunteer Income Tax Assistance (VITA) sites to document their tax filing behavior and use of Alternate Financial Services (AFS). Specifically, the differences in tax filing and AFS…

Although there has been growing recognition of the importance of enabling people with intellectual disabilities (ID) to be more directly involved in managing their own financial affairs, so far, little is known about this aspect of their decision- making. Using vignettes and semi-structured interviews, the financial decision-making abilities of…

This booklet is about the capacities and resources that people need to succeed in today's economy. They include: (1) Knowledge, skills, and experience that are needed to get a job and move up; (2) Jobs and the benefits they provide beyond a paycheck, and also resources that boost income when earnings fall short or jobs are not available; and (3)…

This publication contains a series of sessions developed and used by Newcastle City Council Family Learning Service and now published to share practice. The sessions were developed specifically to support "Skills for Life" tutors to deliver the adult literacy and numeracy curricula but can also be used by other practitioners. There are…

The Financial Services Authority (FSA) is leading a national strategy to improve the United Kingdom's financial capability (FSA, 2006). The strategy recognises that there is a need for Financial Literacy education across all areas of society, from children in school to mature adults in all walks of life. In order to meet this need and to be…

The Indigenous Australian population is not only considerably younger than the non-Indigenous population but is also on the rise. The challenge for many is to provide the kind of education that equips young Indigenous Australians with the necessary skills for managing their money. This challenge is further compounded, as the adult Indigenous…

"Pots of Gold" is a family finance research project delivered within Sure Start Children's Centre areas across Newcastle. It is funded by the DfES through the Basic Skills Agency and managed by Newcastle Family Learning Service. This project has been delivered in two phases, running from October 2005 to December 2006. Phase 1 ran from…

Americanization is in the end a task for the individual citizen and not for the Government. The individual can be successful in so human a problem only by having a sympathetic knowledge of this task and of those with whom he must deal. To supply at least the foundations of this knowledge is the purpose of this book. The contents are taken largely…