Teresa Mauldin | The University of Georgia (original) (raw)

Papers by Teresa Mauldin

Research paper thumbnail of Life skills literacy: Working to improve human capital

Family and Consumer Sciences Research Journal

Research paper thumbnail of Financial Literacy: The Relationship to Saving Behavior in Low- to Moderate-income Households

Family and Consumer Sciences Research Journal, 2015

Research paper thumbnail of Economic Consequences of Divorce or Separation Among Women in Poverty

Journal of Divorce Remarriage, 1991

This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at... more This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at characteristics of low- income women following divorce or separation. Resources and characteristics that would help explain a woman's ability to move out of poverty in the year following divorce or separation were ana- lyzed. Discriminant anal sis results indicated that the most impor- tant discriminators of w K ether or not women would move out of poverty immediately following marital disruption were current em- ployment status, job training, education, race, and presence of a child under six years old.

Research paper thumbnail of Returns to investments in information: can investments reduce bad purchase experiences of consumers?

Journal of Consumer Studies and Home Economics, 1996

Research paper thumbnail of Mauldin, T., Bowen, C.F., & Cheang, M. (2013). Perceived barriers to savings among low- to moderate-income households who do not save regularly. Journal of Extension, 51(5). Retrieved from http://www.joe.org/joe/2013october/rb4.php

Research paper thumbnail of Life skills literacy: Working to improve human capital

Family and Consumer Sciences Research Journal

Research paper thumbnail of Mother's Employment Status, Family Income, and Children's Time Allocation

Home Economics Research Journal, 1991

Research paper thumbnail of High school students' knowledge of telemarketing fraud tactics in the U.S.A

Journal of Consumer Studies and Home Economics, 1995

Research paper thumbnail of The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults

ABSTRACT Previous studies on financial socialization have focused on adolescents or college stude... more ABSTRACT Previous studies on financial socialization have focused on adolescents or college students. This study examined the effect of financial socialization on the financial behaviors of adults aged 24–66 from low- and moderate-income households. Data from the NC-1172 Complex Nature of Saving data set were analyzed using ordinary least squares regressions and logistic regressions. The four dependent variables were spending less than income, making financial plans, monitoring spending, and having savings goals. Among other results, the regression analyses showed that (i) discussions about money with parents as a child and (ii) learning from financial planners significantly influenced adults’ financial management behavior. The findings suggest that financial socialization has a significant effect beyond adolescent or college years.

Research paper thumbnail of Saving for Success: Financial Education and Savings Goal Achievement in Individual Development Accounts

SSRN Electronic Journal, 2000

Abstract: Using microdata from the American Dream Demonstration, the current study examines facto... more Abstract: Using microdata from the American Dream Demonstration, the current study examines factors associated with savings and savings goal achievement (indicated by a matched withdrawal) among participants of individual development account (IDA) ...

Research paper thumbnail of Exits from poverty among rural and urban black, hispanic, and white young adults

The Review of Black Political Economy, 2001

Research paper thumbnail of The Effects of Economic Pressure on the Resilience and Strengths of Individuals Living in Extreme Poverty

Journal of Poverty, 2012

ABSTRACT Economic pressure has negative effects on families living in poverty that require much r... more ABSTRACT Economic pressure has negative effects on families living in poverty that require much resilience and strength to cope. Although the strengths perspective upholds many human service values, literature on how it can be used to build resilience of these families is scarce. This exploratory study reports on the relationship between the constructs of economic pressure and resilience among N = 194 individuals living in extreme poverty. The authors found a significant relationship between economic pressure and resilience, with higher economic pressure being associated with less resilience. However, family income was not a significant factor between economic pressure and resilience. Discussion is directed toward practice, policy, and research in enhancing the resilience and strengths of families living in extreme poverty.

Research paper thumbnail of The Influence of Financial Factors on Motivation to Save among Poor Individuals

Journal of Policy Practice, 2013

Research paper thumbnail of Predisposing, Enabling, and Need Predictors of Community versus Institutional Long-Term Care

Journal of Housing For the Elderly, 2006

Abstract This research explored characteristics of the elderly that are associated with the use o... more Abstract This research explored characteristics of the elderly that are associated with the use of long-term care services. Using the 1999 National Long Term Care Survey, logistic regression was employed to examine the relationship of race with the use of formal and ...

Research paper thumbnail of Economic Consequences of Divorce or Separation Among Women in Poverty

Journal of Divorce & Remarriage, 1991

This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at... more This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at characteristics of low- income women following divorce or separation. Resources and characteristics that would help explain a woman's ability to move out of poverty in the year following divorce or separation were ana- lyzed. Discriminant anal sis results indicated that the most impor- tant discriminators of w K ether or not women would move out of poverty immediately following marital disruption were current em- ployment status, job training, education, race, and presence of a child under six years old.

Research paper thumbnail of The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults

Family and Consumer Sciences Research Journal, 2012

ABSTRACT Previous studies on financial socialization have focused on adolescents or college stude... more ABSTRACT Previous studies on financial socialization have focused on adolescents or college students. This study examined the effect of financial socialization on the financial behaviors of adults aged 24–66 from low- and moderate-income households. Data from the NC-1172 Complex Nature of Saving data set were analyzed using ordinary least squares regressions and logistic regressions. The four dependent variables were spending less than income, making financial plans, monitoring spending, and having savings goals. Among other results, the regression analyses showed that (i) discussions about money with parents as a child and (ii) learning from financial planners significantly influenced adults’ financial management behavior. The findings suggest that financial socialization has a significant effect beyond adolescent or college years.

Research paper thumbnail of Differences in the Availability of Employer-Provided Fringe Benefits Among the Working Poor, Near-Poor and Non-Poor

Research paper thumbnail of Telemarketing: How Knowledgeable Are Consumers?

The Journal of Consumer Affairs, 1995

The merging of computer and telephone technologies has provided consumers with a way of buying pr... more The merging of computer and telephone technologies has provided consumers with a way of buying products and services called telemarketing (Golodner, 1991). This changing marketplace presents unfamiliar marketing strategies and the possibility of telemarketing fraud for ...

Research paper thumbnail of America’s Capital as the Classroom

Housing and Society, 2003

Research paper thumbnail of The working poor: Research, outreach, and public policy

Research paper thumbnail of Life skills literacy: Working to improve human capital

Family and Consumer Sciences Research Journal

Research paper thumbnail of Financial Literacy: The Relationship to Saving Behavior in Low- to Moderate-income Households

Family and Consumer Sciences Research Journal, 2015

Research paper thumbnail of Economic Consequences of Divorce or Separation Among Women in Poverty

Journal of Divorce Remarriage, 1991

This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at... more This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at characteristics of low- income women following divorce or separation. Resources and characteristics that would help explain a woman's ability to move out of poverty in the year following divorce or separation were ana- lyzed. Discriminant anal sis results indicated that the most impor- tant discriminators of w K ether or not women would move out of poverty immediately following marital disruption were current em- ployment status, job training, education, race, and presence of a child under six years old.

Research paper thumbnail of Returns to investments in information: can investments reduce bad purchase experiences of consumers?

Journal of Consumer Studies and Home Economics, 1996

Research paper thumbnail of Mauldin, T., Bowen, C.F., & Cheang, M. (2013). Perceived barriers to savings among low- to moderate-income households who do not save regularly. Journal of Extension, 51(5). Retrieved from http://www.joe.org/joe/2013october/rb4.php

Research paper thumbnail of Life skills literacy: Working to improve human capital

Family and Consumer Sciences Research Journal

Research paper thumbnail of Mother's Employment Status, Family Income, and Children's Time Allocation

Home Economics Research Journal, 1991

Research paper thumbnail of High school students' knowledge of telemarketing fraud tactics in the U.S.A

Journal of Consumer Studies and Home Economics, 1995

Research paper thumbnail of The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults

ABSTRACT Previous studies on financial socialization have focused on adolescents or college stude... more ABSTRACT Previous studies on financial socialization have focused on adolescents or college students. This study examined the effect of financial socialization on the financial behaviors of adults aged 24–66 from low- and moderate-income households. Data from the NC-1172 Complex Nature of Saving data set were analyzed using ordinary least squares regressions and logistic regressions. The four dependent variables were spending less than income, making financial plans, monitoring spending, and having savings goals. Among other results, the regression analyses showed that (i) discussions about money with parents as a child and (ii) learning from financial planners significantly influenced adults’ financial management behavior. The findings suggest that financial socialization has a significant effect beyond adolescent or college years.

Research paper thumbnail of Saving for Success: Financial Education and Savings Goal Achievement in Individual Development Accounts

SSRN Electronic Journal, 2000

Abstract: Using microdata from the American Dream Demonstration, the current study examines facto... more Abstract: Using microdata from the American Dream Demonstration, the current study examines factors associated with savings and savings goal achievement (indicated by a matched withdrawal) among participants of individual development account (IDA) ...

Research paper thumbnail of Exits from poverty among rural and urban black, hispanic, and white young adults

The Review of Black Political Economy, 2001

Research paper thumbnail of The Effects of Economic Pressure on the Resilience and Strengths of Individuals Living in Extreme Poverty

Journal of Poverty, 2012

ABSTRACT Economic pressure has negative effects on families living in poverty that require much r... more ABSTRACT Economic pressure has negative effects on families living in poverty that require much resilience and strength to cope. Although the strengths perspective upholds many human service values, literature on how it can be used to build resilience of these families is scarce. This exploratory study reports on the relationship between the constructs of economic pressure and resilience among N = 194 individuals living in extreme poverty. The authors found a significant relationship between economic pressure and resilience, with higher economic pressure being associated with less resilience. However, family income was not a significant factor between economic pressure and resilience. Discussion is directed toward practice, policy, and research in enhancing the resilience and strengths of families living in extreme poverty.

Research paper thumbnail of The Influence of Financial Factors on Motivation to Save among Poor Individuals

Journal of Policy Practice, 2013

Research paper thumbnail of Predisposing, Enabling, and Need Predictors of Community versus Institutional Long-Term Care

Journal of Housing For the Elderly, 2006

Abstract This research explored characteristics of the elderly that are associated with the use o... more Abstract This research explored characteristics of the elderly that are associated with the use of long-term care services. Using the 1999 National Long Term Care Survey, logistic regression was employed to examine the relationship of race with the use of formal and ...

Research paper thumbnail of Economic Consequences of Divorce or Separation Among Women in Poverty

Journal of Divorce & Remarriage, 1991

This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at... more This study, using data from the National Longitudinal Survey's Young Women Cohort, looked at characteristics of low- income women following divorce or separation. Resources and characteristics that would help explain a woman's ability to move out of poverty in the year following divorce or separation were ana- lyzed. Discriminant anal sis results indicated that the most impor- tant discriminators of w K ether or not women would move out of poverty immediately following marital disruption were current em- ployment status, job training, education, race, and presence of a child under six years old.

Research paper thumbnail of The Effect of Socialization and Information Source on Financial Management Behaviors among Low- and Moderate-Income Adults

Family and Consumer Sciences Research Journal, 2012

ABSTRACT Previous studies on financial socialization have focused on adolescents or college stude... more ABSTRACT Previous studies on financial socialization have focused on adolescents or college students. This study examined the effect of financial socialization on the financial behaviors of adults aged 24–66 from low- and moderate-income households. Data from the NC-1172 Complex Nature of Saving data set were analyzed using ordinary least squares regressions and logistic regressions. The four dependent variables were spending less than income, making financial plans, monitoring spending, and having savings goals. Among other results, the regression analyses showed that (i) discussions about money with parents as a child and (ii) learning from financial planners significantly influenced adults’ financial management behavior. The findings suggest that financial socialization has a significant effect beyond adolescent or college years.

Research paper thumbnail of Differences in the Availability of Employer-Provided Fringe Benefits Among the Working Poor, Near-Poor and Non-Poor

Research paper thumbnail of Telemarketing: How Knowledgeable Are Consumers?

The Journal of Consumer Affairs, 1995

The merging of computer and telephone technologies has provided consumers with a way of buying pr... more The merging of computer and telephone technologies has provided consumers with a way of buying products and services called telemarketing (Golodner, 1991). This changing marketplace presents unfamiliar marketing strategies and the possibility of telemarketing fraud for ...

Research paper thumbnail of America’s Capital as the Classroom

Housing and Society, 2003

Research paper thumbnail of The working poor: Research, outreach, and public policy