The purpose of this study was to determine if there
were differences between testate or intestate university
employees relative to: 1) demographic characteristics
(age, income health, marital status, education, number of
children, housing tenure, and gender), 2) planned personal
and family retirement income sources (including: savings,
individual retirement accounts, mutual funds, stocks
and/or bonds, income from property ownership, sale of real
estate or other property, annuities, or paid-up life
insurance), 3) total number of planned personal and
family retirement income sources. The study also examined
anticipated decision making difficulty scores on certain
housing issues for testate or intestate university
employees, to determine if there was a significant
difference in university employees' mean decision making
difficulty scores on certain housing issues by testacy
status, income level, and age, or gender.
Data were collected in a 1987 Western Region mail
survey (Thinking Ahead to Retirement: Community and
Housing Choices), of land grant university employees in
nine western states. The sample consisted of 5663 land
grant university employees who were at least 40 years of
age. Statistical analyses of the data were computed using
Chi-square tests, T-tests, and General Linear Models
(GLM/ANOVA) procedures with Student Newman-Keuls (SNK)
post hoc tests.
Chi-square analysis results revealed significant
differences among testacy status on all demographic
variables. Evidenced by findings, testacy rates were
higher among university employees who were 1) older, 2)
higher income, 3) higher education level, and 4) male.
Chi-square analysis indicates an association between
testacy and being married or widowed, having children, and
owning one's home. Testacy is more common among
university employees who plan more numbers and types of
personal and family retirement income sources.
Significant differences were also found among testacy
status and all of the planned personal and family
retirement income sources. Testate employees had
significantly larger total number of planned retirement
income sources than intestate employees.
Testate respondents had a higher mean decision making
difficulty score of certain housing issues (1.89) than did
intestate respondents (1.86). Results of the decision
making question indicate university employees perceptions
of how difficult they think it will be to make future
decisions about aging and housing issues. GLM /ANOVA
results indicated that employees with income above
$25,000, aged 40 to 49 years, and male anticipated greater
decision making difficulty on certain housing issues than
respondents in other categories.
Results of this research could be of interest and use
to university policy makers, educators, entrepreneurs, and
researchers. Applying these results, these groups can
target families with high need, and assist these families
in achieving personal and family, testacy, and financial
goals. / Graduation date: 1991
| Identifer | oai:union.ndltd.org:ORGSU/oai:ir.library.oregonstate.edu:1957/37670 |
| Date | 02 May 1991 |
| Creators | Murray, Karen Ann |
| Contributors | Holyoak, Arlene |
| Source Sets | Oregon State University |
| Language | en_US |
| Detected Language | English |
| Type | Thesis/Dissertation |
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