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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

The influence of present and future time perspective on financial net worth

Rodermund, Robert Henry January 1900 (has links)
Doctor of Philosophy / Department of Human Ecology-Personal Financial Planning / Sonya L. Lutter / This study explored the influence of present-fatalism, present-hedonism, and future time perspectives on financial net worth. Time perspective has been shown to influence many behaviors, both non-financial and financial, but this is the first study that evaluated the relationship between time perspective and net worth. Net worth was divided into two variables, a dichotomous variable indicating those who had a negative net worth (defined as a net worth less than or equal to zero) and a continuous variable of the actual dollars of net worth of those who had a positive net worth (defined as a net worth greater than zero). Developing a separate negative net worth variable allowed this study to expand on prior research that focused solely on that aspect of net worth (Chen & Finke, 1996; Mountain & Hanna, 2012). Data was taken from the National Longitudinal Survey of Youth 1979 (NLSY79), using results primarily from the 2014 survey. A logistic regression was used to evaluate the negative net worth variable (Model 1) while an ordinary least squares (OLS) regression was used to analyze the influence on positive net worth (Model 2). This study found that present-fatalism increased the odds that an individual would have a negative net worth, while a future-orientation would decrease those odds. It found that present hedonism and future-orientation contributed to having a positive net worth. Model 1 had a Nagelkerke R Square of .367 and was able correctly to classify 77.2% of those who had a negative net worth (compared to 67.6% using only the intercept). In addition to time perspective findings, several control variables were incorporated into the study. Those who had a higher current income, who were male, who were married, and who owned a home had lower odds of having a negative net worth. Those who had a college education had lower odds of having a negative net worth compared to those with a high school diploma, while those who only attended grade school had greater odds of having a negative net worth compared to high school graduates. Blacks and Hispanics had greater odds of having a negative net worth compared to Whites. Risk tolerance, parent socio-economic status, and age were not significant predictors of negative net worth. Model 2 was significant, with an R² of .419. Risk tolerance, current income, parent socio-economic status, gender, age, marital status, and homeownership all contributed to a positive net worth. Compared to high school graduates, having a college education contributed to a positive net worth while having only a grade school education detracted from having a positive net worth. Being Black or Hispanic, as compared to being White, detracted from positive net worth. The results of this study must be juxtaposed against the limitations, which include the use of proxy variables for time perspective (which may not accurately reflect the constructs), erosion of the longitudinal sample over time, the use of a variable (risk tolerance) from a different year, non-normal distribution of some control variables, and potential endogeneity caused by the inclusion of homeownership as a control variable. Those limitations having been noted, this study found that the strong influence of future-orientation on reducing the odds of having a negative net worth and contributing to positive net worth is significant because it validates the entire concept of financial planning, which proposes that having a future financial path will help clients achieve financial success. It also opens up new possibilities in financial counseling, in that clients may benefit from time-perspective therapy and coaching. In addition, the findings of this study emphasize the positive influence of homeownership on net worth.
2

From bureaupreneur to HNWI changes and emergence of high net worth individuals (HNWIs) in China

Wei, Chun-Chien January 2013 (has links)
Economic growth in China is attributed by many people to the reforms initiated in 1978. Some individuals, who were previously agents of the state, party cadres, or peasants, have become High Net Worth Individuals (HNWIs) within a relatively short period in the wake of certain institutional changes. Before economic reform, China’s political elites seized administrative controls and material privileges and yet were relatively restricted in money income and private wealth; however, the market transition and privatization added additional value into those controls and privileges and created unique opportunities for those political elites. These political elites retain intact power and privilege regardless of market reforms or regime change. During the transformation, redistributive mechanisms are shaped by these elites, who discriminate in favour of themselves, their families, and like individuals; subsequently, some of those from the political elites migrate into HNWIs, and unjust wealth re-distribution is created accordingly. Development and the changing role of elites in transitional China, like all societies, is constrained and shaped by heritage (resources, pre-existing institutions, geography, culture, etc.); these constraints maybe stronger in transitional societies than in open market economies and enhance the importance for transitional society elites to maintain their footholds of power in state and regulatory institutions. Therefore, these elites exert influence to maintain their existing privileges for accumulating wealth from competition. This research adapts institutional change theory to incorporate the concept of resource dependences in order to give practical expression to an analysis of how the transition between these roles is played out during the institutional changes and to explore the relations between the leading social actors and their institutional environment. It draws on the example of the housing market to illustrate that there is a trade-off between conformity to external institutional pressure and exercising influence over external resources whilst pursuing stability and legitimacy in China’s reforms.
3

A Woman’s Worth: A Phenomenological Study on Black Women Entrepreneurship And Building Net-Worth

Young, Miriam 03 May 2017 (has links)
The purpose of this study is to explore Black women’s experience of becoming and being entrepreneurs and accumulating wealth. Through interview questions that examine social capital, this study allows eight Black women to recall their ever-changing and evolving experience of entrepreneurship and economic mobility. This qualitative study goes beyond empirical data of the wealth gap and the numerical trends of Black women entrepreneurs. The study allowed for Black women to share their experience with wealth accumulation and the social factors, such as networks and relationships that attributed to starting and sustaining a business. Findings and implications will be discussed.
4

社群归属感、生活形态与忠诚度:高净值社群运营的关键影响因素研究 ——以上海嘉庭俱乐部为例

January 2019 (has links)
abstract: 随着中国经济过去30多年的高速发展,出现了一大批的高收入人群,他们更注重生活的品质,如追求自然、简约、低调的休闲生活方式,更看重健康生活、自身的身心修养,和提高自身修养的内涵式生活,以及注重子女的内涵气质教育。 同时,具有很强烈地获得心理认同的需求,参加各种以消费和交往为媒介和主体活动的社群或“社交圈子”,在心理和情感上自我获得与其在财富、生活方式以及生活品位等诸方面都类似的群体间的身份认同感和归属感;更看着与其社会阶层相匹配的身份地位、社交人脉、兴趣爱好等。 因此,从运营的角度来看,如何增加上述这些高净值人群对高净值社群的归属感,进而提高其对高净值社群的忠诚度,是高净值社群进一步可持续经营和发展的基石。本研究以上海嘉庭俱乐部为例,在对问卷调查的基础上,通过实证研究,探讨影响高净值社群归属感与忠诚度的关键因素,高净值社群中会员的归属感与忠诚度的关系,会员生活型态的差异使得归属感与忠诚度的影响关系呈现显著的不同。 实证研究表明,“时尚流行”会员较为理性,其更注重休闲风尚;而“优雅休闲与享受尊荣”的会员则偏感性,其相当注重心灵感受与宁静舒适的感觉,强调全家共享以及纯封闭式的会员享受,能够更多地认识到与个人品味和品位相同的人,如对生活品质的追求、价值观、子女教育等;内心更开放、所接受教育程度更高的家庭,在嘉庭会感受到的归属感意识更高、其忠诚度也更高。 / Dissertation/Thesis / Doctoral Dissertation Business Administration 2019
5

Debt and Negative Net Worth Among Near Retirees

Brown, Susan M 01 May 2011 (has links)
Going into retirement, near-retirees are looking at increased debt levels, which can offset any asset accumulations and reduce retirement income. By using data from the 2008 Health and Retirement Study (HRS), this study examines the debt and negative net worth of near-retirees. This study further investigates what factors are associated with the likelihood of holding consumer debt, holding mortgage debt, and holding home equity debt over holding no debt, and what factors are associated with the likelihood of holding negative net worth over holding a high level of net worth among near-retirees. The study sample includes 3,745 individuals between the ages of 51 and 64. The results of the multinomial logistic regression analysis indicate that, all else being equal, human capital factors such as education, physical health problems, and depression symptoms play a significant role in predicting the likelihood of holding debt and negative net worth. In particular, education is positively associated with the likelihood of holding consumer, mortgage, and home equity debt over holding no debt, while it is negatively associated with the likelihood of having negative net worth over having a high level of net worth. Among the socioeconomic characteristics that influence the likelihood of near-retirees holding debt and negative net worth are household income, working in the labor force, and race. In particular, household income positively influences the likelihood of holding mortgage debt over holding no mortgage debt as well as the likelihood of holding home equity debt over holding no home equity debt. However, household income negatively influences the likelihood of having negative net worth over having a higher level of net worth. The findings of this study could help financial educators, financial planners, and policymakers understand the differences in human capital and socioeconomic characteristics of near-retirees who hold some levels of debt over no debt and who hold no net worth or a lower level of net worth over a higher level of net worth. This study concludes that it is important for professionals, consumer educators, and financial planners to provide those who hold higher levels of debt and lower levels of net worth with financial literacy education; therefore, these individuals might be able to attain economic well-being in retirement.
6

The association between time preference and net worth: incentivized choice and scaled approach using the NLSY79

Canale, Anthony January 1900 (has links)
Doctor of Philosophy / Department of Human Ecology-Personal Financial Planning / Maurice MacDonald / Clifford Robb / Americans seem to be financially vulnerable and lack sufficient net worth to overcome financial obstacles such as unforeseen medical issues, temporary job loss, or changing economic conditions. Americans aren’t saving enough, have too much debt, and tend to have a short-sighted view on their finances. Wealth is a primary indicator of financial and economic security and maintaining and improving standard of living are two important financial goals. Aggregate net worth can be used to gauge the financial well-being of Americans because it includes both assets and liabilities. It is hypothesized that part of the instability which results in the lack of accumulating adequate wealth, is time preference. Time preference is an important psychological construct which examines the ability to defer gratification. Time preference represents the intertemporal choice between immediate versus delayed utility. A low rate of time preference implies a low rate of intertemporal discounting. Individuals with low discounting do not heavily discount the future and are able to defer gratification. A high rate of time preference or a high rate of intertemporal discounting, suggests that individuals are more present oriented, heavily discount the future, prefer immediate gratification. This research study takes a unique approach to examining time preference since the experimental community lacks a clear consensus on how to best measure this construct. Standard risk and time preferences measures are typically achieved through responses to financially incentivized choice questions. Researchers have argued that incentivized choice questions may be common but they lack precision. Therefore, combining behaviors that involve intertemporal tradeoffs into a scale to measure time preference is believed to be a more accurate indicator of time preference. However, there is little research that has reliably developed and tested its use. This research examines time preference by comparing incentive choice questions as a proxy for time preference as well as an additive scale of intertemporal behaviors using a national representative sample. Regression analysis revealed that that time preference measured using an additive scale of intertemporal behaviors was significantly associated with net worth. The incentive choice questions as a measure of time preference were not significantly associated with net worth. The respondents with a high rate of intertemporal discounting as measured by the time preference scale accumulated less net-worth than respondents with a lower rate of intertemporal discounting. In addition, in the regression model when individual behaviors involving intertemporal tradeoffs such as smoking, drinking, and not taking physical exams were added as individual behaviors, the model was the preferred predictor of net worth.
7

Privátní bankovnictví v České republice / Private banking in the Czech Republic

Kousalová, Klára January 2012 (has links)
This thesis presents an overview of the cornerstones of the Czech private banking. Describes private banks according to various criteria, their approach to the client workload, an importance of private banker position, expectations and needs of the client in the context of marketing and Public relations, selected premium products and services and overlooks the private banking sector in the future.
8

Product Diversification to Improve Investment Returns for High-Net-Worth-Individuals in Ghana

Puplampu, Suzy Aku Akpene 01 January 2017 (has links)
The population of high-net-worth-individuals (HNWIs) in Ghana is projected to increase from 2,400 in 2015 to 4,900 by 2024. HNWIs in Ghana desire to have access to alternative investment instruments to enhance diversification and improve investment returns on their portfolios. Guided by the product-market-grid-model, the purpose of this qualitative multiple case study was to explore diversification strategies some fund managers use to improve returns for HNWIs. Twelve participants from 3 investment firms in the Greater Accra Region of Ghana, including CEOs and fund managers with more than 5 years of professional and industry experience, participated in semistructured interviews. Observations and company documents served as secondary sources of data collection. Five themes emerged from the analysis of interview and document data: investment objectives and risk appetite level, product availability, asset allocation, limited knowledge and lack of sophistication, and, performance benchmarking. Findings may be used by fund managers to combine knowledge and innovation in identifying alternative investment options for HNWIs and improving investment returns. HNWIs may use their disposable income from returns to engage in entrepreneurial activities that may create employment opportunities and improve the economic environment in Ghana.
9

Costruire il ruolo del PRIVATE BANKER: indagini e proposte operative

BOSETTO, DANIELA 30 March 2012 (has links)
Obiettivo del presente lavoro è identificare le principali connotazioni specifiche della professione di private banker. In seguito ad una prima analisi della genesi del ruolo e dei fattori che ne hanno determinato l’evoluzione nel tempo, si sono indagati: quali mansioni e responsabilità ricopre e quali riporti gerarchici è chiamato a rispettare, quali caratteristiche comportamentali e attitudinali siano distintive del ruolo, quale il livello di competenze necessario al suo esercizio e quali i gap formativi ancora da colmare. Non da ultime, sono state rilevate le difficoltà quotidiane e le fonti di soddisfazione tipiche della professione, nonché gli strumenti motivazionali e di incentivazione utilizzati dalle realtà di private banking. L’indagine è stata condotta attraverso l’analisi congiunta di più progetti di ricerca quali-quantitativi, che hanno visto il coinvolgimento di private banker e opinion leader di settore. Emerge così una figura professionale ancora in divenire per effetto di cambiamenti strutturali del mercato, oggi guidati dal nuovo contesto normativo, dalla crisi finanziaria e dal processo di globalizzazione continua. / The aim of this paper is to identify the main aspects of the private banking profession. Following a preliminary analysis of its origins and the factors that led to its evolution over recent years, this research investigates main tasks and duties of a private banker, his position in the organizational chart of the company, behavioural and attitudinal characteristics relevant to his role, required level of skills and expertise, as well as knowledge gaps still to be filled. A special focus has been put on his daily difficulties and typical sources of satisfaction, in addition to motivational tools and incentives used by private banking organizations. The survey has been conducted by means of a combined analysis of various qualitative and quantitative research projects, involving both private bankers and opinion leaders within the banking sector. The emerging scenario is an evolving professional role as a result of current structural changes in the business, constantly subjected to new regulations, recurring financial crisis and the continuous globalization process.
10

Customer Behaviour and Marketing Channels in High-end Experiential Travel Market

Pruthi, Chetan, Tewari, Adarsh January 2020 (has links)
This report is a qualitative analysis of consumption behaviour of high net worth individuals (HNIs) and the marketing channels that are effective in the high-end travel industry. The travel industry caters to a vast audience and it becomes important to understand a specific niche to serve the customers better. For products targeted exclusively towards the HNI segment, conventional mass marketing methods may not be the best or the most efficient ways to reach out to the target market. Mass marketing may result in lower perceived exclusivity and brand image of the company, and it may result in lower efficiency in terms of marketing costs when the target market is merely a small percentage of the total population. The study utilizes articles and theories on consumption behavior as well as marketing theories aimed towards HNIs in order to understand and analyse the data gathered during interviews. The report outlines the factors that influence the customer behavior and consumption practices in the high-end travel industry and based on their behavior outlines effective marketing channels that could be used in order to reach the customers. The major factors influencing customer behavior such as family influence, their motivations to travel, influence of friends and groups as well as their expectations were analyzed based on which effective marketing channels were found such as agents or agencies, popular magazines as well as social media. This report provides a comprehensive understanding of the importance of recognizing the influential behavioral factors in the HNI community in order to develop an effective marketing strategy to help the companies reach their customers better.

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