The Internal Influential Factors That Affect College Students ' Financial Investment Tendency Essay

Since credit cards have become easily accessible on campuses, students can find themselves in financial distress very quickly. The conflict with credit card use is that it has created a distinct way to generate instant gratification among consumers, specifically young borrowers. Due to this point, students have become an easy target for credit card offers. With heavy solicitation from financial institutions and retailers, students are given quick access to funds with little education of how interest accrues, fees associated with cards, and the lasting effects on their overall credit. Since solicitation is used on college

Investments. “The analysis and process of choosing securities and other assets to purchase.” (Cornett, Adair, & Nofsinger, 2016, p. 7).

Wells Fargo conducted a national survey of financial attitude and behaviors in 2013 and found that over one third of Chinese-Americans (37%) reported a $100,000 annual earning, compared to only 23% of all adults in the U.S. (Wells Fargo, 2013). Oh and Min (2011) employed the 5 percent 2000 Public Use Microdata Sample from the U.S. Census to compare the earning patterns among Chinese, Filipino, and Korean Americans in New York. The sample consisted of male workers between 25 and 64 years old. The reason was that the earning patterns and behaviors were different between the male and female workers. Three generations were studied in this research: the first generation, the 1.5 generation and the second generation. First generation referred to

Investing- Expend of money with the expectation of gaining a profit or material in result to putting it into something.

It's common that college students take credit card debt. Some are concerned about this fact in that graduates will face the harsh financial crisis for their low salaries and high debt. Nevertheless, others presume that it's a good start for college students to take up credit business. In my opinion, credit card debt can harm them for leading to the unreasonable consumption and harsh financial problems in the future.

Managing finance has not been a concern for a high school student but when he enters college, he needs to take care of his expenses so as not to make a hole in his pocket. Well, it may seem

My assignment will cover the up and coming marketing strategies that will be used and aimed towards the new younger oriented consumer markets. These marketing techniques that are being used in China and India are formatted to the styles in which the United States have been using to offer the younger generation of consumer for the past sixty years. “Consumer economy refers to the concept that evaluates an assortment of adjusts in recent consumption stages as well as the alteration taken place in capital, demography and society over a period of time”, White, S., 2012. This allows us to see the whole picture of variables and the social activities that are present in the consumer economy.

Although economy is steadily improving in these few years, it is important to remember the old adage. Since the unemployment rate remains higher than the expectation of Federal Reserve, many families are still struggling on managing their financial resources even after the difficult economic times. According to the results of some questionnaire, the reports indicate that individual consumers will undertake more responsibility on their financial budgeting and make wise choices in investment in order to obtain freedom from financial

This study will enhance the advice financial practitioners provide to clients by exploring data that highlight a specific phenomenon preventing consumers from adequately saving for retirement. Also, understanding the roadblocks that prevent consumers from saving may lead to strategies that academics and industry practitioners can develop to assist consumers with the proper usage of debt and effective ways of eliminating debt. In addition, the proposed research intends to add to existing scholarship by examining the economic and behavioral differences of pre-retirees servicing high levels of consumer debt in comparison to pre-retirees not burdened with debt. The proposed research also contributes to the existing body of knowledge by utilizing the most recent data available to identify the reduction to the standard of living caused by debt, the significant cost of consumer debt, and debts implications on financial assets. The implications of this study may also provide insight into changes to the labor market if pre-retirees are forced to work longer than expected, in their final attempt to reduce debt prior to retirement. To this point, Li, Montalto, & Geistfeld (1996) noted that inadequacy of financial resources may necessitate re-entry to the labor force.

companies assertively targets college students because they are expected to have a higher than average power for earning, which make them a perfect targeted market. Credit card companies use gift tactics by offering the latest iPod, an exotic vacation, a computer, frequent flyer miles or an initial low to zero percent interest rate and even cash to entice college students to apply for credit cards. In fact, many students only get a credit card initially because of these incentives, but soon become accustomed to the convenience of just pulling out a card to pay for purchase due to want and not because of need. As Kamenetz (2006) stated, “Students are living in the present at the expense of their future” (p.13) (Gresnick, 2006).

Gold, Da Vinci paintings and a signed Cristiano Ronaldo jumper are all considered as ownership investment - provided that these are objects that are bought with the intention of reselling them for a profit. Precious metals and collectibles are not necessarily a good investment, but they can be classified as an investment nonetheless. Like a house, they have a risk of physical depreciation (damage) and require upkeep and storage costs that cut into eventual profits.

In consumer research, consumption and spending behavior is explained using the life-cycle stages of a household. The Life-Cycle Hypothesis (LCH) posits three stages of the life-cycle; young, middle-aged, and retired members of a household. As households go through different stages over the life-cycle, each stage presents different financial goals and challenges (Baek & Hong, 2004). The LCH also contends that consumption is a linear function of available cash and the discounted value of future income; thus consumers will attempt to maintain their lifestyle over their lifetime, maintaining a relatively continuous level of consumption to sustain their income-to-consumption ratios, realizing that their income and wealth may fluctuate over time (Ando & Modigliani, 1963; Baek & Hong, 2004; Soman & Cheema, 2002; Yilmazer & DeVaney, 2005).

What type of financial investments would you invest in if you were given 10,000 dollars, what made you choose these investments, as well as; how did your choices affect your decision as to tracking these financial investments through the usage of financial strategies and trends. While finding the right pecuniary investment to finance in is never an easy decision, one must first do their research as to what type of financial resources are available on the market to invest in; then apply those financial decisions and strategies to their financial market plan. Let’s begin with what a financial market does, “financial markets perform a vital function: they transfer funds from savers (individuals and organizations willing to defer using some

The majority of students surveyed (39%) said that they work to buy personal goods while the remaining said they work to provide for their living expenses (26%) or to have some extra cash (35%). For the “personal goods” category, 50% of the women chose this reason, which explains their poor saving habits. For the men, 46% of them chose the “extra cash” category which explains their higher savings percentage compared to the women.

"If only we knew more about the determinants of investment! But, unfortunately, our knowledge in this direction is still very meager. One might well ask, what is wrong with the theory of investment? Or, perhaps, what is wrong with the subject matter itself! For one thing, this variable, -- the pivot of modern macroeconomics -- has apparently lived a somewhat nomadic life among the various chapters of economic theory. Perhaps it has not stayed long enough in any one place. Perhaps it has been