Texas ranks low in financial literacy, behavior
Texas ranks among the bottom 15 states in financial literacy and financial behavior, according to recent surveys.
Is this a surprise?
Regardless, the state must brace for the consequences: a large percentage of working people who are unprepared for retirement and students who have no resources for college.
The financial literacy surveys reveal Texans largely do not understand the basics of interest rates, mortgages and investments. In behavior, Texans are not saving sufficiently for rainy days or retirement, and they're not checking their credit reports.
Ten states rank in the bottom 15 in both categories. Texas is joined by Louisiana, Mississippi, Arkansas, Tennessee, West Virginia, Alabama, Ohio, Kentucky and Indiana. Texas is 39 out of 51 in financial literacy, counting Washington, D.C., and 44th in behavior.
Among the best-performing states are New Hampshire, Minnesota, Idaho, Washington, Colorado, Wisconsin and Utah.
The National Financial Capability Study, designed by the Financial Industry Regulatory Authority Investor Education Foundation , linked three surveys to produce the rankings. The study is distributed by the Employee Benefit Research Institute .
It's a sensible, established fact that people with high levels of financial literacy find ways to reach retirement with better resources.
Too many workers do not understand how much responsibility is being placed on them by shifts in corporate practices. Companies are abandoning annuity-like pension plans, in which workers have no decisions to make; they're shifting to contribution plans such as 401(k)s, in which employees not only must decide how much to contribute as their share but also how to invest.
Many companies are terminating their pension benefits as quickly as possible by selling their programs to financial companies that offer retiring workers a lump-sum benefit in lieu of monthly payments. That becomes a complicated decision for employees, some of whom may invest their lump-sum payments badly.
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Programs exist to help those in the military who are just starting families and households, helping them avoid payday lenders, for example. Similar programs could be adapted for private-sector workers, too. Chambers of commerce could set up teams to
If they eliminate private-enterprise credit options, they can continue their campaign with Washington to press for more taxpayer funding and loan-loss bailout money (under Title XII of Dodd-Frank). When we're already having trouble paying teachers and
The banks say their deposit- based loans are safer than so-called predatory loans from payday lenders because they require borrowers to have a history as a bank customer, which allows the banks to better assess their customers' ability to repay.
Doris Nelson, who allegedly ran a payday loan business as a front for a Ponzi Scheme that bilked millions from investors, pleaded not guilty to a far-ranging list of charges handed up by a Grand Jury Thursday afternoon in federal court.
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