Concerns that debt loads and other financial worries negatively affect student wellness are a top priority for many university administrators. Factors related to financial stress among college students were explored using the Roy Adaptation Model, a conceptual framework used in health care applications. Responses from the 2010 Ohio Student Financial Wellness Survey were analyzed using proportion tests and multivariate logistic regressions. The results show that financial stress is widespread among students -71% of the sample reported feeling stress from personal finances. The results of the proportion tests and logistic regressions show that this study successfully identified important financial stressors among college students. Two of the most important financial stressors were not having enough money to participate in the same activities as peers and expecting to have higher amounts of student loan debt at graduation. The results also indicate that students with higher financial self-efficacy and greater financial optimism about the future are significantly less likely to report financial stress. Implications for student life administrators, policymakers, financial counselors, and financial therapists are discussed.

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If you would like to write for this, or any other Emerald publication, then please use our Emerald for Authors service information about how to choose which publication to write for and submission guidelines are available for all. Please visit www.emeraldinsight.com/authors for more information. About Emerald www.emeraldinsight.comEmerald is a global publisher linking research and practice to the benefit of society. The company manages a portfolio of more than 290 journals and over 2,350 books and book series volumes, as well as providing an extensive range of online products and additional customer resources and services.Emerald is both COUNTER 4 and TRANSFER compliant. The organization is a partner of the Committee on Publication Ethics (COPE) and also works with Portico and the LOCKSS initiative for digital archive preservation. AbstractA consumer survey of a probability sample of 1,628 married adult consumers residing in Beijing, Guangzhou, and Shanghai, China was used obtain basic knowledge on market segments of Chinese consumers with the potential to buy foreign apparel. The paper used conjoint analysis to identify the product attributes salient to consumers' apparel purchase intentions. With cluster, multiple regression, and other statistical analyses, six market segments prioritizing similar product attributes were identified and profiled. The six market segments were then described by their demographic and geographic characteristics, apparel expenditures, and perceptions of US-made pants. Suggestions are provided for apparel marketers wishing to pursue two especially promising market segments with the potential to buy US-made and US brand apparel.

There were two objectives of this study: (a) to test the cross-cultural applicability of the Fishbein Behavioral Intentional Model by studying Chinese consumers’ purchase intentions for apparel made in the United States and (b) to examine whether culture could enhance the validity of the model. Parents (N = 2,017) of students in the public school systems of Beijing, Shanghai, and Guangzhou completed usable questionnaires. Attitude toward purchasing apparel made in the United States (Ab) significantly influenced Chinese purchase intentions for that apparel (BI), but subjective norms (SN) did not. The validity of the Fishbein model may be product dependent, with culturally symbolic products influenced by both attitude and subjective norm, and products less culturally symbolic influenced only by attitudes. Adding cultural components to the Fishbein model enhanced its ability to explain purchase intentions.

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Determinants of planned retirement age are analyzed. The prediction equation indicates that planned retirement age increases substantially as people get older, and increases somewhat with higher noninvestment income. Social Security reform should recognize that the capacity to continue working and the ability to afford to retire both influence the age at which people plan to retire. The range of planned retirement ages suggests that research on the adequacy of retirement preparation should focus on planned retirement age. Financial planners should consider the finding that planned retirement age increases with age. © 2000 Elsevier Science Inc. All rights reserved.

The influence of employment sector on the income of Hispanics is examined using data from the 1990 U.S. Decennial Census. Human capital theory is augmented with measures of acculturation, and income equations are estimated separately for self-employed Hispanics and Hispanic wage earners. The results suggest that self-employment offers economic benefits. The importance of acculturation varies by employment sector. Decomposition of the differences in income between self-employed Hispanics and Hispanic wage earners indicates that these income differences are due more to differences in worker characteristics between the two employment sectors than to differences in rates of return to these characteristics.

Household economics, Loss aversion, Saving,