Browsing by Author "Hsu, Chungwen"
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- Children and Family Finances. Saving for CollegeHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of saving for college.
- Children and Family Finances. Tax BenefitsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of tax benefits.
- Children and Family Finances. The Cost of Raising a ChildHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-12-23)There are seven main categories on which the USDA bases its calculations for raising a child: housing, food, transportation, clothing, health care, childcare, education, and miscellaneous goods and services. This is an overview of those seven categories.
- Planning for Baby. Car SeatsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-22)You will need to take your baby home from the hospital using a car seat. Taking the baby with you presents many changes. The important thing to remember is that the baby's safety should come first.
- Planning for Baby. Clothing Fabric Choices, Care Labels, Comfort, Fit, Size, and SafetyHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-22)Often the most enjoyable activity while waiting for baby is purchasing clothes. It is important to keep a couple of things in mind when making purchases. The most important one is to provide your baby with comfort! The second is that babies grow fast. This fact sheet will help you understand comfort and safety, choose fabrics, and read labels.
- Planning for Baby. Crib Safety TipsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-23)Your baby will spend a lot of time sleeping. It is important to make sure that the crib is safe and where your baby is comfortable. This fact sheet gives the basic guidelines to get you started. As you become more comfortable and have a set routine, you will have a better idea of exactly what you will need and not need.
- Planning for Baby. Diaper Choices and ComfortHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-23)This fact sheet reviews the pros and cons of using cloth diapers and disposable diapers.
- Planning for Baby. Safety Items and Other SuppliesHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-23)The following is a list of baby items you may need. ᅠRemember, there are always unexpected needs! These are suggestions. Your budget will determine what you can afford.
- Planning for Baby. ScamsHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-23)The mailers, magazines, catalogs, e-mail, and phone calls multiply as your baby's arrival date gets closer. It seems that the marketers and con artists know your baby is on its way almost as soon as you do.ᅠDeals for products that sound too good to be true probably are. This guide helps new parents watch out for the scams that are inevitable.
- Planning for Baby. The Basics You Will NeedHayhoe, Celia Ray; Hsu, Chungwen (Virginia Cooperative Extension, 2009-10-22)Information in this series of fact sheets includes what you and your baby will need when leaving the hospital and at home - including clothing, crib and other furniture, car seat, and safety items.
- Women's Retirement Income Satisfaction and Saving BehaviorsHsu, Chungwen (Virginia Tech, 2013-01-11)Retirement saving research frequently has investigated the differences between working men and working women and primarily focused on the near retirement and retirement years. There is limited research targeting young to old working-age women including those who do not work for pay and are unemployed. The purpose of this study was to examine what factors affect non-retired working-age (25 years and older) women's retirement saving behaviors, retirement savings, and retirement income satisfaction. To implement the study, a research framework was developed based on Deacon and Firebaugh's Family Resource Management Model. The research framework for this study consisted of three major sections: (a) input (demographics, saving motives, retirement saving involvement level, retirement information seeking, current financial assets and debts, and future expectations), (b) throughput (retirement saving behaviors such as calculating needed retirement savings, being a retirement saver, starting saving for retirement age, and being a regular retirement saver), and (c) output (the objective retirement savings and the subjective retirement income satisfaction). An online survey instrument was developed to obtain data for the study. Two pilot tests were conducted to confirm the validity and reliability of the instrument. Data for this study were collected from a national population between May 25, 2012 and May 30, 2012 with 591 valid responses. Several statistical methods were employed: descriptive statistics, one-way between-groups analysis of variance (ANOVA), direct logistic regression, and standard multiple regression. From the results of the study, only about one-third of the women (31.8%) reported they expect to get the full amount of Social Security retirement income that today's retirees get. However, around 60% of the women only save less than $25,000 or none in employer-provided retirement accounts or in personal investments and savings. There is an un-addressed gap between the cognition of the need to save for retirement and real saving action. A regular retirement saver is more likely to save more in employer-provided retirement accounts and to feel more satisfied with that retirement income. Yet, regular retirement savers have less savings in personal investments and savings, possibly because they believe their work investments will be sufficient or some women may make direct deposits to meet the annual limits of retirement plans. Other researchers have not reported this relationship. Those women who are more cognitively involved with saving for retirement are more likely to calculate needed retirement savings and to be a retirement saver, but they are less satisfied with retirement income from Social Security and from personal investments and savings. Satisfaction level is subjective; thus, those who expect to own more types of assets in retirement may have a higher satisfaction level with the expected income from both employer-sponsored retirement accounts and personal investments and savings. Generally, greater satisfaction with expected retirement income is associated with higher accumulation in retirement savings, and the female savers have much more retirement savings than non-savers. However, there is no difference in the retirement income satisfaction of savers and non-savers. These findings have implications for financial educators, counselors and advisors, researchers, employers, and policy makers. There are recommendations for women and future research.