Sheraton Uptown, Albuquerque, NM, USA

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Wednesday, April 19


Thursday, April 20




Friday, April 21








Saturday, April 22




Featured Research Session 1 & Breakfast Galleria 101-Financial Confidence, Credit Card Use and Financial Satisfaction GalleriaStephen A. Atlas • Jialing Lu • Nilton Porto 102-Predictive Analysis of Hospital Characteristics to Inpatient Satisfaction Survey Scores GalleriaCarole J. Makela • Gregory W. O'Barr 104-Do Academicians Still Prefer Defined Benefit Plans? GalleriaBrenda J. Cude • Heidi H. Ewen • Jessica M. Parks • Michael P. Ryan 105-What Explains Racial and Ethnic Differences in Bank Account Ownership? GalleriaRyan Goodstein • Alicia Lloro • Sherrie L.W. Rhine • Jeffrey Weinstein 106-Education Loan Profile of US Households GalleriaEunice Hong • Kyoung Tae (KT) Kim • Jae Min Lee 107-Family Postponement of Medical and Dental Care: The Influence of Income Level and Financial Hardship GalleriaClinton G. Gudmunson • Sara K. Ray 108-Best of Both Worlds: Which DB and DC Characteristics Account for Faculty’s Plan Satisfaction? GalleriaHeidi H. Ewen • Jessica M. Parks • Michael P. Ryan 109-Revolving Credit Card Debt: Do the Determinants Differ Between Bank- and Store-Issued Cards? GalleriaPatryk Babiarz • Sae Chung 110-Understanding the Value of Fresno State Wine in the Market GalleriaHaley Jensen • Todd A. Lone 111-Understanding Perceptions of the Importance of Employer Support in Retirement Preparedness GalleriaAngela Akinyemi • Rene Bautista • Robert Brown • Kristin Dwan • Angela Fontes • Can Geng 112-Financial Intermingling and Predicting Business Sustainability after a Natural Disaster GalleriaCynthia R. Jasper • Yoon Lee • Diane Masuo • Virginia Zuiker 113 - Financial Literacy and Confidence in the Ability to Fund an Unexpected Need GalleriaDonna Danns • Abigail Fischer • Robin Henager-Greene 114 - Boom or Bust? A Look at How Boomers' Perceptions Compare to Reality GalleriaChris Browning • Jacob A. Tenney 115 - Defining Personal Financial Responsibility GalleriaGloria L. Preece 116 - The Effect of Risk Graphics on Risk Perception of Multi-Risk Options: The Case of Childhood Vaccines GalleriaRobin Keller • James M. Leonhardt • Riana Leonhardt • Grant Leonhardt




A1 - Oral Session Focus - Health & Family: Insurance, Socialization, Student Loans, Media Frames IvoryMartie Gillen A1A-Comprehensive Risk in Consumer Portfolios (Winner of the FP Board's ACCI Financial Planning Paper Award) IvoryDavid Allen Ammerman • Maurice MacDonald A1B-Measurement of Affect in Financial Risk Tolerance and its Association with Portfolio Risk IvoryJohn Grable • Abed G. Rabbani A1C-An Evaluation of Women’s Financial Literacy through Community Programming IvoryDiann Douglas • Martie Gillen • Lynda Spence • Brenda Williams A1D-Multi-Generational Modeling of Money Management: Financial Practices Modeled by Parents IvoryEdward Jeffrey Hill • Ashley LeBaron • Loren Marks • Christina Rosa A2 - Oral Session Focus - Financial Literacy, Svcs, Housing RegalRui Yao A2A-Who is More Likely to Own Non-primary Residences? RegalShan Lei • Rui Yao A2B-Factors Associated with Consumer Financial Capability: Evidence from the China Household Finance Survey RegalXu Cui • Jing Jian Xiao A2C-An Evolutionary Difference Research of the Relationship Between Income Structure and Consumption Structure - Based on AIDS Extension Model RegalHuifang Zhang • Yaling Zhu A2D-Financial Literacy of Chinese College Students RegalChen Xu • Rui Yao A3 - Oral Session Focus - FLEC: Financial Literacy & Education Commission WurlitzerYi Cai • Jessica M. Parks A3A-Barriers to Banking: A Mixed-Methods Investigation of Former Offenders Banking Perceptions and Financial Knowledge WurlitzerKristy Archuleta • Joy Clady • Meghaan Lurtz • Katherine (Kate) S. Mielitz A3B-Implications of Financial Scarcity on Financial Intervention Participants WurlitzerEyal Carmel A3C-The Influence of a High School Personal Finance Education Mandate on College Freshmens' Financial Knowledge WurlitzerBrenda J. Cude A3D-An Examination of the Effectiveness of Financial Education under Situational Stimuli from a Behavioral Finance Perspective (NEFE Paper Award) WurlitzerSwarn Chatterjee • Lu Fan A41-Perceptions and Impacts of Student Loan Entrance Counseling BaldwinSomer Anderson • Suzanne Bartholomae • Stuart Heckman, PhD, CFP • Jonathan Fox • Jesse Jurgenson • Jodi Letkiewicz • Catherine P Montalto




B1 - Oral Session Focus - Coping, Students, Stress, Debt IvorySheri Worthy • Jennifer Lehman B1A-The Influence of Coping Strategies on College Student Outcomes IvorySonya Britt • Seth Castinado • Camila Haselwood • Derek Potter • Phil Zepp B1B-Young Adults' Debts and Psychological Distress IvoryHyungsoo Kim • Qun Zhang B1C-Mediating Effect of Mindset on Coping Strategies used by Consumers Experiencing Financial Hardship during the Economic Recession in 2008 IvoryLorna Saboe-Wounded Head • Wookjae Heo B1D-Changes in Household Net Financial Assets After the Great Recession: Did Financial Planners And Other Financial Advisors Make a Difference? IvorySwarn Chatterjee • Joseph W. Goetz • Lance Palmer • Aman Sunder • Lini Zhang B2 - Oral Session Focus - Financial Services: Retirement RegalShinae Choi • Jacob A. Tenney B2B-Do People with Alzheimer’s Disease have the Proper Estate Planning Preparation? RegalShinae Choi • Minjung Kim • Ian M. McDonough B2C-Financial Futures: How Working Americans Prioritize Retirement Savings RegalAndrew Blevins • Theron Guzoto • John Scott • Alison Shelton • Sarah A. Spell B2D-Age at First Job and Retirement Wealth in Later Years RegalMartie Gillen • Hyungsoo Kim • Serah Shin • Qun Zhang B3 - Oral Session Focus - Food WurlitzerPatryk Babiarz B3A-Impacts of Child Support Policy on Single Mothers’ Material Well-being and Labor Supply WurlitzerPatryk Babiarz • Ilyar Heydari Barardehi • Teresa Mauldin B3B-Does the Individual Development Account Program have Longer-term Effects on Food Insecurity? WurlitzerNamhoon Kim • Caezilia Loibl • Travis Mountain • Anastasia Snyder B3C-Increasing Consumers' Fruit and Vegetable Selection: Can Product Bundling Serve as a Behavioral Nudge? (Consumer Movement Archives Applied Consumer Economics Award Student Paper) WurlitzerKathryn A. Carroll B3D-Food Price and the Role of SNAP in Improving Food Security and Diet Quality WurlitzerYunhee Chang • Swarn Chatterjee • Jinhee Kim B41-Strategies for Bringing Youth Savings Programs into Local Communities BaldwinArellana Cordero • Jo Davison • Tracie G. Morris • Ona Porter • Sherrie L.W. Rhine • Mayrene Vasquez




Featured Research Session 2: Conversation Libation Galleria FRS Posters 2 - Please remove by 5:30 PM Galleria 201-Social Service Provider's perspective of Your Money, Your Goals toolkit for Adults with Mental Illness GalleriaCarol Janney • Brenda Long • Scott Matteson • Julie Terhune • Erica Tobe • Andrea Wendling 202-Effect of WIC Participation on Future Diet and Health GalleriaRobert Scharff 203-Intergenerational Transmission of Financial Values Among Mexican American Young Adults GalleriaYi Cai • Lisa Dalati • Joan Koonce • Yoko Mimura • Scott Plunkett • Stephanie Short • Nefize Yazici 204-Subjective Life Expectancy and Consumption Behavior: Evidence from the Korean Longitudinal Study of Aging (KLoSA) GalleriaPatryk Babiarz • Young Joo Choung 205-Do Both Parental and Personal Values and Expectations Influence Young Adults' Financial Behaviors and Well-Being? GalleriaSarah Burcher • Sun-Kyung Lee • Joyce Serido 206-Mental Health and Financial Well-being: A Meta-analysis GalleriaMadelaine Reid L'Esperance 207-Healthy, Wealthy, and Retirement Satisfaction among Retirees GalleriaHaley Jensen • Yoon Lee 208-Effect of Unsecured Debt on Mental and Physical Health among Middle-Aged and Older Unmarried Women GalleriaYoon Lee • Alana Stowe 209-The Effect of Time Perspective on Debt Behaviors GalleriaNarang Park 210-Household Factors related to Decisions to retain Financial Planning Services While Recovering from the Great Recession GalleriaSwarn Chatterjee • Joseph W. Goetz • Lance Palmer • Aman Sunder • Lini Zhang 211-Student Loans, Individual Differences, and Financial Anxiety During College: A Cross-Cultural Comparison GalleriaSoo Hyun Cho • Wei Gu 212 - Multi-dimensional Determinants of International College Students’ Wellbeing: a Literature Review GalleriaMackenzie Schmitz 213 - The Glass Ceiling: Current Policy and Suggestions on Creating more Gender Equality GalleriaStacy Schluttner • Kayla Strand • Jade Wolf 214 - Innovation in Nutrition Monitoring: NuMo a Mobile App for Consumers GalleriaWilson Britten • Edward Dratz • Holly Hunts • Ellie Pennell • Biiancaa Yeoh 215 - Evaluation of the Draft Environmental Impact Statement for the Atlantic Coast Pipeline GalleriaIrene Leech 216 - Financial Strain and Student Loan Debt: Does Financial Literacy Play a Mitigating Role? GalleriaSwarn Chatterjee • Brenda J. Cude
Sunday, April 23



C1 - Oral Session Focus - Financial Services: Banking, Lending/Borrowing, Alternatives RoxyDr Andy Schmulow • Jessica M. Parks C1A-Everything within Their Power: Anti-Payday Lending Ordinances in Three Communities RoxyNathalie Martin • Robert N. Mayer C1B-Impact of Financial Education Mandates on Younger Consumers’ Use of Alternative Financial Services RoxyMelody Harvey C1C-How Do Financial Incentives Affect Consumers’ Intention to Adopt NFC Mobile Payments? RoxySophia Anong • Lini Zhang • Haidong Zhao C1D-Who Borrows from Lending Club... and Why do They Borrow? RoxyLua Augustin C2 - Oral Session Focus - Saving Behavior RegalQun Zhang C2A-From Personality to Saving Behavior: Bridging the Gap (AARP's Public Policy Institute Financial Services and the Older Consumer Award 2017) RegalKristy Archuleta • Sarah Asebedo, Ph.D., CFP® • Martin Seay • Melissa Wilmarth C2B-Tools for Saving: Using Prepaid Accounts to Set Aside Funds RegalCheryl Cooper • Melissa Knoll C2C-Is Debt Good or Bad for a Comfortable Retirement? Exploring the Relationship between Consumer Debt and Retirement Preparedness RegalLaith Alattar • Jeremy Elder • David Rogofsky C2D-Are Millennials Saving for Retirement? RegalGuopeng Cheng • Rui Yao C3 - Oral Session Focus - Financial Services: Home Ownership, Insurance, Low Income WurlitzerStuart Heckman, PhD, CFP C3A-Nutrition Label Reading and Positive Financial Behavior WurlitzerKaren Ensle • Barbara O'Neill • Jing Jian Xiao C3C-Adverse Selection in Private Health Insurance WurlitzerLan Thi Phuong Nguyen C3D-Understanding Consumer Perceptions of Fairness in High Risk Areas WurlitzerRene Bautista • Angela Fontes • Can Geng • Melissa Newberry C41-Families, Food, and Fledglings: Works in Progress Using Consumer Expenditure Survey Data BaldwinLisa Boily • Cynthia Gillham • Donka Mirtcheva • Geoffrey Paulin • Arcenis Rojas • Taylor Wilson



D1 - Oral Session Focus - Financial Literacy: Caribbean, Military, Planning Behavior, Pipeline Impact WurlitzerDonna Danns • Minhong Xu D1A-Propensity to Plan, Financial Capability, and Financial Satisfaction WurlitzerBarbara O'Neill • Jing Jian Xiao D1B-Environmental Hazard and Consumers' Credit Access (Richard L. D. Morse Applied Consumer Economics Award - Professonal Paper) WurlitzerMinhong Xu • Yilan Xu D1C-Financial Behaviors of Military Households: The Role of Financial Literacy and Financial Education WurlitzerRobin Henager-Greene • Kyoung Tae (KT) Kim • Melissa Wilmarth D1D-Developing Financial Literacy in the Caribbean WurlitzerDonna Danns • George K. Danns D2 - Oral Session Focus - Financial Literacy, Svcs, Behavior: Debt, Risk, Bankruptcy, Low Income RegalRobin Henager-Greene • Abigail Fischer D2A-Exploring Financial Behaviors and Attitudes of Low Income Households in the United States RegalKyoung Tae (KT) Kim D2B-Exploring Consumers' Financial Fragility in Europe: Over-indebtedness, Rainy Days Funds, and the Role of Financial Literacy RegalGianni Nicolini D2C-Subjective Survival Expectation and Portfolio Choice: Evidence of Interplay between Probabilistic Reasoning and Cognitive Ability RegalTae-Young Pak • Su Hyun Shin D2D-Preventing Reckless and Predatory Lending, Particularly to the most Vulnerable in Society: An Innovative and Strongly Consumer Centric Approach from South Africa RegalDr Andy Schmulow D3- Oral Session Focus - Financial Literacy and Services RoxyJane Kolodinsky • Katherine (Kate) S. Mielitz D3A-Financial Gender Gaps RoxyStuart Heckman, PhD, CFP • Meghaan Lurtz D3B-Media Frames and their Influence for Sugary Drink Taxes RoxyBenjamin Crosby • Jane Kolodinsky D3C-The Effect of Health Insurance Coverage and Subjective Health Status on Individual Estimates of Life Expectancy RoxyStuart Heckman, PhD, CFP • Derek R. Lawson D3D-The Impact of Student Loans on Health-related Obligations RoxySophia Anong • Sharon DeVaney D41-Innovative Data Collection in Social Science Research BaldwinDavid A. Evans • Carrie Johnson • Elizabeth Kiss • Barbara O'Neill • Yilan Xu



E1 - Oral Session Focus - Student Loans and Stress WurlitzerJodi Letkiewicz E1A-Financial Anxiety of First Generation College Students WurlitzerSonya Britt • David Jayne • Derek Potter E1B-Financial Literacy, College lifestyle, and Student Loan Decision Making WurlitzerAmberly Ehret • Clinton G. Gudmunson E1C-Trends in Student Loan Attitudes and Higher Education Attainment WurlitzerStuart Heckman, PhD, CFP • Kenneth John White, Jr. • Jodi Letkiewicz E1D-inancial Burden, Perceived Capability, and Young Adults' Well-being: Evidence From a Multi-year Panel Study WurlitzerSwarn Chatterjee • Jinhee Kim E2 - Oral Session Focus - Financial Services: Charitable Giving, Risk RegalSu Hyun Shin E2A-Source of Information and Selection of Financial Instruments RegalKyoung Tae (KT) Kim • Martin Seay • Su Hyun Shin E2B-Consumer Attitudes Regarding End of Life Charitable Planning RegalRussell N. James, III • Jennifer Lehman E2C-Donor-Advised Funds: A Review for Consumers, Educators, and Planners RegalAnn Woodyard E3 - Oral Session Focus - Family Economics and Socialization RoxyMJ Kabaci E3A-Financial Correlates in Young Adults’ Choice to Marry, Cohabit or Live apart RoxyJennifer K. Rea • Joyce Serido E3B-The Great Recession and Heterogeneity Within the Hispanic Middle Class RoxyJessie X. Fan • Hua Zan E3C-The Influence of Childhood Experiences on the Financial Capability of Young Adults RoxyJ. Michael Collins • Madelaine Reid L'Esperance • Cliff A Robb E3D-Bankruptcy Determinants Among U.S. Households During the Peak of the Great Recession RoxyJonathan Bauchet • David A. Evans