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dc.contributor.advisorHowe, John S.eng
dc.contributor.authorFinke, Michael S.eng
dc.date.issued2011eng
dc.date.submitted2011 Summereng
dc.description"July 2011"eng
dc.descriptionTitle from PDF of title page (University of Missouri--Columbia, viewed on May 17, 2012).eng
dc.descriptionThe entire thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file; a non-technical public abstract appears in the public.pdf file.eng
dc.descriptionDissertation advisor: Dr. John Howe.eng
dc.descriptionVita.eng
dc.descriptionIncludes bibliographical references.eng
dc.descriptionDissertations, Academic -- University of Missouri--Columbia -- Business administration.eng
dc.description.abstractThis dissertation examines household characteristics the impact financial decision making. The first essay explores the role of cognitive ability in numeracy, risk tolerance, credit decisions, wealth and retirement savings and asset allocation and finds that cognitive ability is an important predictor of financial decisions. The second essay develops a new instrument to measure time discounting and models asset accumulation and asset allocation and finds that a factor score of intertemporal behaviors is significantly related to both asset accumulation and asset allocation. The third essay documents the decline in basic financial knowledge among households over 60 using a new financial literacy instrument developed to more accurately capture a household's ability to make effective balance sheet, credit, investment, and insurance choices.eng
dc.format.extentv, 110 pageseng
dc.identifier.oclc872560214eng
dc.identifier.urihttp://hdl.handle.net/10355/14204
dc.languageEnglisheng
dc.publisherUniversity of Missouri--Columbiaeng
dc.relation.ispartofcollectionUniversity of Missouri--Columbia. Graduate School. Theses and Dissertations.eng
dc.subjectbehavioral financeeng
dc.subjectfinanancial literacyeng
dc.subjectbehavioral economicseng
dc.subjecttime discountingeng
dc.titleHousehold financial choice: three essayseng
dc.typeThesiseng
thesis.degree.disciplineBusiness administration (MU)eng
thesis.degree.grantorUniversity of Missouri--Columbiaeng
thesis.degree.levelDoctoraleng
thesis.degree.namePh. D.eng


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