Financial capability, Financial education, Financial services, Young children, Saving, College savings,

The present investigation surveyed attitudes and beliefs about hypnosis across 4 samples of students attending college at the University of New South Wales, Australia; Dortman University, Germany; The Ohio State University, United States; and Shaheed Beheshti University of Medical Sciences, Iran. A total of 280 undergraduate students (70 from each country sampled), ranging in age from 18 to 25 years, completed 3 different questionnaires assessing their opinions and beliefs about hypnosis. Although responses to some items varied by country, there was remarkable similarity across many items suggesting that certain views and attitudes about hypnosis are not culture specific.

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This paper explores young children's perceptions and expectations about attending college, and the potential influence of a savings program on shaping children's perceptions about paying for college. As part of a four-year study of a schoolbased college savings program called "I Can Save", this paper uses qualitative evidence from interviews conducted in second and fourth grades with a diverse group of 51 children. Findings suggest that most of the children in the study have a general understanding of college and have begun a process of considering higher education. Further, children in "I Can Save" are more likely than a comparison group of children to perceive that savings is a way to help pay for college.

Effective finance is a finance system that assures individuals and families of having beneficial access to financial services and skills. It is a precondition for financial well-being. Drawing upon a low-income sample (N = 1473) from the 2016 National Financial Well-Being Survey, this study examines whether financial skills and financial access are associated with financial well-being and material hardship. The results identify positive interactions between financial access and financial skills on financial well-being. The findings point to effective finance policies that have the potential to reduce material hardship and support financial well-being for low-income families.