Financial and Life Planning Resource Directory

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Books / monographs Consumers/clients
Consumers/clients: Childhood, student years
	Butrica, Barbara A., Three Considerations for Children's Savings Accounts
		Urban Institute, November 13, 2008, Free http://www.urban.org/UploadedPDF/411792_childrens_savings_considerations.pdf Butrica emphasizes design issues for Children's Savings Accounts that will enhance the positive impact of such accounts.
	Lusardi, Annamaria, et al, Financial Literacy among the Young: Evidence and Implications for Consumer Policy
		Pension Research Council, 2009 http://www.pensionresearchcouncil.org/publications/document.php?file=802 The authors find that fewer than one-third of young adults possess basic knowledge of interest rates, inflation, and risk diversification. Financial literacy is strongly related to sociodemographic characteristics and family financial sophistication.
Consumers/clients: Early career
	Greenberg, Anna and Keating, Jessica , Personal Finances: The Final Frontier for Social Media – Results of a National Survey of Young Adults
		AARP Public Policy Institute, October 2009, Free http://assets.aarp.org/rgcenter/econ/lifetuner.pdf This report report reveals that financial issues constitute the greatest area of worry for young adults, though one they do not discuss much, even among their peers.
	Keeter, Scott, and Taylor, Paul, Millenials, The
		Pew Research Center, December 2009, Free http://pewresearch.org/pubs/1437/millennials-profile A study of the demographics and attitudes of twenty-somethings.
	Millennials, The: Confident. Connected. Open to Change
		Pew Research Center, February 2010, Free http://pewsocialtrends.org/assets/pdf/millennials-confident-connected-open-to-change.pdf A teen and twenty-something Americans, which characterizes them as confident, self-expressive, liberal, upbeat and open to change.
	Religion Among the Millennials
		Pew Research Center, February 2010, Free http://pewresearch.org/pubs/1494/millennials-less-religious-in-practice-but-beliefs-quite-traditional This study finds that while young American adults affiliate less with any particular faith and attend fewer religious services, their level of belief in God, heaven, and hell is comparable to that of their elders.
Consumers/clients: Family: Marriage
	Brown, Susan L., and Kawamura, Sayaka, Relationship Quality Among Cohabitors and Marrieds in Older Adulthood
		National Center for Family and Marriage Research at Bowling Green University, January 2010, Free http://ncfmr.bgsu.edu/family_%20marriage_lit/Working%20Papers/PDFs/wp10-01.pdf The authors report that middle age and older cohabitors (a growing group) and married people differ little in emotional satisfaction, pleasure, openness, time spent together, criticism, and demands. But cohabitors are less likely than marrieds to report a relationship as “very happy.”
	Morin, Rich, and Cohn, D'Vera , Women Call the Shots at Home; Public Mixed on Gender Roles in Jobs
		Pew Research Center, September 25, 2008 http://pewresearch.org/pubs/967/gender-power Morin and Cohn's report shows that in married couples women tend to make more of the decisions, including financial ones.
	New Economics of Marriage: The Rise of Wives
		Pew Research Center, January 2010, Free http://pewresearch.org/pubs/1466/economics-marriage-rise-of-wives This study finds that a larger share of women today, compared with 1970, have more education and income than their spouses. As a result, in recent decades the economic gains associated with marriage have been greater for men than for women.
	Zissimopoulos, Julie, et al, Marital Histories and Economic Well-Being
		University of Michigan Retirement Research Center, September 2008, Free http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp180.pdf This study looks at the wealth differences of married vs. unmarried people, taking into account those who get divorced and remarried along the way.
Consumers/clients: Family: Divorce, separation
	Singleton, Perry, Insult to Injury: Disability, Earnings, and Divorce
		Boston College Center for Retirement Research, November 2009, Free http://crr.bc.edu/images/stories/Working_Papers/wp_2009-25.pdf Singleton finds that the effect of disability on divorce decreases with age, increases with education, and increases with disability severity.
Consumers/clients: Family: Widowhood, unmarried
	Shapiro, Matthew D., Buffering Shocks to Well-Being Late in Life
		University of Michigan Retirement Research Center, September 2009, Free http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp211.pdf Shapiro argues that neither reduced health nor widowhood (in either men or women) reduces economic well-being, since data shows that neither eventuality tends to lead to reductions in consumption.
Consumers/clients: Family: Parent-child or -grandchild
	Grandparents: Generous with Money, Not with Advice
		MetLife Mature Market Institute, June 2009, Free http://www.metlife.com/assets/cao/mmi/publications/quick-facts/mmi-grandparents-generous-money-not-advise.pdf This survey found that 70% of grandparents have given money to their grandchildren in recent years (median amount = $3,000), but most do not offer financial advice, unless asked. There are also survey questions about how their adult children raise and advise the grandchildren.
	Nemzoff, Ruth, Don't Bite Your Tongue: How to Foster Rewarding Relationships with Your Adult Children
		Palgrave-Macmillan, 2008, $14.95 http://www.ruthnemzoff.com Dr. Nemzoff focuses on the positive ways parents and children can add meaning to each other's lives. It includes a chapter on discussing financial matters with your adult children.
	Pezzin, Liliana E., et al, Long-Term Care of the Disabled Elderly: Do Children Increase Caregiving by Spouses?”
		National Bureau of Economic Research Working Papers, September 2008, $5.00 http://papers.nber.org/papers/w14328 The authors answer the title question in the affirmative, noting that note that“children act as a commitment mechanism, increasing the probability that elderly spouses will provide care for each other.
	Stewart, Jay, Timing of Maternal Work and Time with Children, The
		U.S. Bureau of Labor Statistics, August 2009, Free http://www.bls.gov/osmr/pdf/ec090030.pdf Stewart finds that employed mothers shift enriching childcare time from workdays to nonwork days. On workdays, full-time employed parents shift enriching childcare time toward evenings, but there is little shifting among part-time employed mothers.
Consumers/clients: Mid-career, wealth-building
Consumers/clients: Late career, retirement
Consumers/clients: Aging
Consumers/clients: Ethnic or racial groups
	Brown, Helen, African American Women's Hair Issues and Engagement in Physical Activity Focus Groups: Executive Summary
		AARP Public Policy Institute, November 2009, Free http://assets.aarp.org/rgcenter/health/aahair.pdf Brown reports that hair issues often prevent African-American women from engaging in physical activities that would benefit their health.
	Hispanics and Retirement: Challenges and Opportunities
		Hispanic Institute and Americans for a Secure Retirement, 2009, Free http://www.paycheckforlife.org/uploads/white-paper-hispanics-and-retirement-english.pdf This report indicates that Hispanic Americans face greater challenges in obtaining a secure retirement than the average population.
	Johnson, Richard W., and Soto, Mauricio, Hispanic Workers: A Growing Segment of the U.S. Workforce
		Urban Institute, June 2009, Free http://assets.aarp.org/rgcenter/econ/hispanic_workers_09.pdf The authors describe the number and share of Hispanics that are employed, where they work, how much they earn, and their attitudes toward work.
	Jones, Adrienne, et al, Racial Differences in Functioning Among Elderly Nursing Home Residents, 2004
		U.S. National Center for Health Statistics, 2009, Free http://www.cdc.gov/nchs/data/databriefs/db25.pdf This data, though old, is telling: black residents of nursing homes tend to be more functionally impaired than residents of other races.
	Munnell, Alicia H., and Sullivan, Christopher, 401(k) Plans and Race
		Boston College Center for Retirement Research, November 2009, Free http://crr.bc.edu/images/stories/Briefs/ib_9-24.pdf The authors review recent research on racial disparities in 401(k) plan participation, and document why African-American and Hispanic workers fail to benefit as much as white workers do.
	Perron, Rebecca, African American Experiences in the Economy: Recession Effects More Strongly Felt
		AARP Public Policy Institute, February 2010, Free http://assets.aarp.org/rgcenter/econ/economyaa.pdf Perron finds that despite greater efforts than the general population to promote their own employability, African Americans suffered more in terms of employment, health, and overall financial well-being during the 2009 recession, and are less confident about the future than the general population.
	Sahgal, Neha, and Smith, Greg , Religious Portrait of African-Americans, A
		January 2009, Free http://pewresearch.org/pubs/1099/religious-portrait-of-african-americans Sahgal and Greg Smith drill down into the Pew Research religious survey data to look at the African-American subset, and their generally higher level or religiousness.
Consumers/clients: Gender groups
	Boston Women's Health Book Collective, Our Bodies, Ourselves: Menopause
		Simon & Schuster, 2006, $15.00 http://www.ourbodiesourselves.org A well researched book for any woman navigating the changes of menopause and midlife. It dispels myths, provides practical information and inspires women to become socially and politically involved to create a better future for women's health and health care.
	Nelson, Miriam E., Strong Women Stay Young
		Bantam Books, 2005 (Revised edition), $7.50 Dr. Nelson, a professor of Nutrition Science and Health Policy at Tufts University and a fellow of the American College of Sports Medicine, shows how older women can retain youthfulness in two 4-minute sessions per week.
	Orth, Beverly J., Evaluation of Approaches to Reducing Women’s Longevity Risks
		Society of Actuaries / Living to 100 and Beyond Symposium, 2008, Free http://www.soa.org/library/monographs/retirement-systems/living-to-100-and-beyond/2008/january/mono-li08-3b-orth.pdf Orth examines the potential of several product and public policy strategies that could reduce the exposure of elderly women to poverty.
	Single Women in the U.S.A.: Retirement Dreams v. Financial Realities
		Transamerica Center for Retirement Studies, September 17, 2008, Free http://www.transamericacenter.org/resources/TCRS%201007%200608%20Single%20Women%20in%20USA%20(TCRS%20v4).pdf The 9th annual report in this series.
	Stevenson, Betsey, Women’s Education and Family Behavior: Trends in Marriage, Divorce and Fertility
		Penn Population Aging Research Center, January 2010, Free http://repository.upenn.edu/cgi/viewcontent.cgi?article=1028&context=parc_working_papers Stevenson finds that while patterns for men have not changed much, college educated women marry later, have fewer children, are less likely to view marriage as “financial security”, are happier in their marriages and with their family life, and are less likely to divorce than 30 years ago.
	Women and Health: Today's Evidence, Tomorrow's Agenda
		World Health Organization, 2009, Free http://www.who.int/gender/documents/9789241563857/en/index.html The purpose of this report is to inform about and improve the health of women worldwide, both for their benefit and that of society at large.
	Women and Retirement: Facing Challenges in a Recession
		Transamerica Center for Retirement Studies, 2009, Free http://www.transamericacenter.org/Resources/TCRS%202009%20WomenRetirement.pdf Noting that the 2009 recession hurt women’s retirement outlook more than men’s, this report highlights areas of concern, but also reveals opportunities to help women and all workers get back on track with their retirement savings.
Consumers/clients: Geographic groups
	Brown, Robert L., and Prus, Steven G. , New Findings on the International Relationship between Income Inequality and Population Health
		Society of Actuaries / Living to 100 and Beyond Symposium, 2008, Free http://www.soa.org/library/monographs/retirement-systems/living-to-100-and-beyond/2008/january/mono-li08-2a-brown.pdf Statistical analysis does not find any correlation between income inequality and the health of the people, in developed nations. The correlation is with the overall wealth of the society, not the distribution of wealth.
	Deaton, Angus S., Aging, Religion, and Health
		National Bureau of Economic Research Working Papers, August 2009, $5.00 http://www.nber.org/papers/w15271 Deaton uses data from the Gallup World Poll to study correlations between religiosity, gender, health, and other factors. His findings support the customary observations, but reveal additional details - and also variations by country.
	Future of Retirement, The: It’s Time to Prepare
		HBSC, 2009, Free http://www.hsbc.com/1/2/retirement/interactive-report In their fifth annual review, HBSC reports on a “perfect storm” of need and unpreparedness, in countries including Brazil, Canada, China, Dubai, France, Hong Kong, India, Japan, Mexico, Saudi Arabia, Singapore, South Korea, Turkey, the UK, and the US.
	Hayashi, Chiemi, et al, Transforming Pensions and Healthcare in a Rapidly Ageing World: Opportunities and Collaborative Strategies
		World Economic Forum, 2009, Free http://www.weforum.org/pdf/scenarios/Transforming-Pensions-Healthcare.pdf The authors argue for effective multi-stakeholder collaboration, transformational changes in thinking, and integrated retirement and healthcare solutions.
	How Religious Is Your State?
		Pew Research Center, January 2010, Free http://pewresearch.org/pubs/1449/states-ranked-by-religiosity-four-measures A state-by-state analysis of religiousness, based on the importance of religion in people's lives, frequency of attendance at worship services, frequency of prayer, and absolute certainty of belief in God.
Consumers/clients: Other / general / not specified