An accomplished researcher and speaker, Dr. Hira has published more than 138 professional papers and book chapters and has given more than 233 invited national and international presentations on topics such as:
- The social and psychological aspects of the borrowing and investment behaviors of middle and high income Americans
- Consumer bankruptcy
- Consumer credit
- Gambling
- The borrowing behavior of college students
Dr. Hira’s financial expertise and professional expertise make her a highly sought-after commentator.
Selected manuscripts
Financial Issues of Women
Handbook of Consumer Finance Research
2016 (PDF file, 210 KB)
Financial sustainability and personal finance education
Handbook of Consumer Finance Research
2016 (PDF file, 208 KB)
Assuring College Students Financial Wellness (Key note address)
National Summit on Collegiate Financial Wellness
June 30, 2015
Conceptual Analysis of Behavioral Theories/Models: Application to Financial Behavior
European Journal of Social Sciences
2011 (PDF file, 113 KB)
The Use of the Internet as a Source of Financial Information by Households in the United States: A National Survey
International Journal of Management
2010 (PDF file, 2.6 MB)
Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia
Family & Consumer Sciences Research Journal
2010 (PDF file, 1.7 MB)
Educate or Regulate? Why We Should Teach About Money
The Standard
2010 (PDF file, 320 KB)
Insurance Company Employees’ Financial Expertise and Practices: Implications on Benefit Participation and Satisfaction,
Risk Management and Insurance Review
2010 (PDF file, 104 KB)
Determinants of retirement planning behavior and differences by age
International Journal of Consumer Studies
2009 (PDF file, 1.3 MB)
Personal Finance: Past, Present and Future
Networks Financial Institute
December 2009 (PDF file, 192 KB)
First Time Versus Repeat Filers: The Likelihood of Completing a Chapter 13 Bankruptcy Repayment Plan
2006 (PDF file*, 148 KB)
A Gender Perspective on the Use of Supplemental Health Care Plans
July 4, 2005 (PDF file*, 120 KB)
Understanding the Impact of Employer-Provided Financial Education on Workplace Satisfaction
Summer 2005 (PDF file*, 156 KB)
Main Points of Analysis and Findings from Dr. Hira’s Studies:
Understanding Studies of Financial Management in the United States
The Social Sciences, Yokohama National University, No. 7, February 2005
February 2005 (PDF file*, 2.5 MB)
Self-directed Financial Learning and Financial Satisfaction
2005 (PDF file*, 184 KB)
A Look Behind the Scenes: A Survey of How CFPs Work from 1986, published as part of the Journal of Financial Planning’s 25th anniversary celebration in the October 2004 issue
October 2004 (304KB PDF file*)
A Look Behind the Scenes: A Survey of How CFPs Work
October 2004 (PDF file*, 296 KB)
University-provided Retirement Planning Support and Retiree Financial Satisfaction During Retirement: Differences By Gender, Job Classification, and Planning Behavior
2004 (PDF file*, 144 KB)
Financial attitudes, beliefs and behaviors: differences by age
Journal of Consumer Studies and Home Economics
1997 (PDF file*, 3.1 MB)
Ethics: Personal and Professional Implications
Journal of Family and Consumer Sciences
Spring 1996 (PDF file, 3.1 MB)
Financial Empowerment: Financial Counseling and Planning Across the Life-Cycle
Association for Financial Counseling and Planning Education, 1995 National Conference
November 1995 (PDF file*, 7.5 MB)
Financial Planners’ Perspectives on Disclosure and Regulation
Personal Financial Planning
November/December 1994 (PDF file*, 3.2 MB)
Ethics: What We Do? What We Teach? Implications for Professionals
Proceedings: The Association for Financial Counseling and Planning Education, Annual Conference
November 1994 (PDF file*, 7.7 MB)
Development of a Diagnostic Instrument to Identify Family Problems Among Financial Counseling Clients
Proceedings: The Association for Financial Counseling and Planning Education, Annual Conference
November 1994 (PDF file, 10.6 MB)
The Effects of Perceived Locus of Control and Perceived Income Adequacy on Satisfaction with Financial Status of Rural Households
Journal of Family and Economic Issues, Volume 14
Winter 1993 (PDF file, 3.4 MB)
Factors Associated with Expectations of Household’s Future Financial Condition
Journal of Family and Economic Issues, Volume 14
Fall 1993 (PDF file, 3 MB)
Financial Management: Development of Scales
Journal of Family and Economic Issues, Volume 14
Fall 1993 (PDF file, 3 MB)
Factors Influencing the Size of Student Debt
Journal of Student Financial Aid
Spring 1992 (PDF file*, 12.7 MB)
Determinants of Satisfaction with Preparations for Financial Emergencies.
Financial Counseling and Planning, Volume 3
1992 (PDF file, 2.6 MB)
Credit Card Usage and Consumer Debt Burden of Households
Journal of Consumer Studies and Home Economics
1992 (PDF file*, 1.7 MB)
Causes and effects of consumer bankruptcies: a cross-cultural comparison
Journal of Consumer Studies and Home Economics
1992 (PDF file*, 1.9 MB)
The Effect of Daily Hassles, Reported Managerial Behavior, Family Adaptability and Family Cohesion on Family Health
Family Perspective, Volume 26, No. 3
1992 (PDF file*, 10 MB)
Causes and Effects of Consumer Bankruptcies: An International Comparison
Association for Financial Counseling and Planning Education, Annual Proceedings
Oct. 11, 1990 (PDF file*, 9.8 MB)
Changes in factors influencing consumer debt among Scottish families, 1984-1987
Journal of Consumer Studies and Home Economics
1990 (PDF file*, 15.9 MB)
Changes in Financial Status Influencing the Level of Satisfaction in Households
Lifestyles: Family and Economic Issues
Summer 1989 (PDF file, 2.3 MB)
Networth and Financial Satisfaction as a Function of Household Money Managers’ Competencies
Home Economics Research Journal, Volume 17, No. 4
June 1989 (PDF file*, 4.1 MB)
Effect of Financial Management Knowledge of Household Money Managers on Behaviors and Financial Outputs
Journal of Vocational Home Economics Education
Spring 1989 (PDF file*, 4.4 MB)
Study Examines Factors Influencing Success in Financial Planning
Journal of Financial Planning, January 1989
January 1989 (PDF file*, 4.3 MB)
An Analysis of the Business Structure of Financial Planning Practices
Journal of the Institute of Certified Financial Planners, Volume 8, No. 4
Winter 1988 (PDF file*, 4.1 MB)
Money Management Knowledge of College Students, Journal of Student Financial Aid
Winter 1987 (PDF file)
Money Management Knowledge of College Students
Journal of Student Financial Aid
Winter 1987 (PDF file*, 5.5 MB)
Personal Financial Management: The Need for Education
A Report Prepared for the United States Senate Committee on Banking, Housing and Urban Affairs, Washington D.C.
Nov. 5th, 1987 (PDF file*, 9.4 MB)
The Application of a Managerial System to Money Management Practices
Iowa State Journal of Research
November 1987 (PDF file, 2.2 MB)
Application of a Managerial System to Money Management Practices
Iowa State Journal of Research
November 1987 (PDF file*, 5 MB)
Satisfaction with Money Management: Practices Amoung Dual-Earner Households
Journal of Home Economics
Summer 1987 (PDF file*, 2.7 MB)
Determinants of Household Interaction Patterns in Family Finance Areas
Partnerships in Managing Quality of Life: Family, Consumers – Academia, Business, Industry, Government; Conference Proceedings
February 1987 (PDF file*, 12 MB)
Money Management Practices Influencing Household Asset Ownership
Journal of Consumer Studies and Home Economics
1987 (PDF file*, 2.5 MB)
Financial Planning Consumers: Who Are They, Why Do They Buy?
Journal of the Institute of Certified Financial Planners
Winter 1986 (PDF file*, 2.3 MB)
Fees for Service: What Determines the Size of Financial Planners Annual Income
Financial Planning
November 1986 (PDF file*, 580 KB)
A Look Behind the Scenes: A Survey of How CFPs Work
Journal of the Institute of Certified Financial Planners
Summer 1986 (PDF file*, 5.5 MB)
Knowledge, Attittudes, and Practices in Use of Credit
ACCC
1986 (PDF file*, 11 MB)
Determinants of Household Asset Ownership
Southeastern Regional Association, Family Economics and Home Management, Social and Economic Resources: Managing in a Complex Society
February 1985 (PDF file*, 14.9 MB)
Impact of Select Money Management Practices on Household Solvency Status
April 1984 (PDF file*, 13.6 MB)
Effect of Exemption Regulations on Personal Bankruptcies
October 1983 (PDF file*, 16.9 MB)
Is Canadian Bankruptcy Law in Accord With Present Economic Reality?
Canadian Home Economics Journal
Fall 1983 (PDF file*, 1.2 MB)
Socio-Economic Characteristics of Families in Bankruptcy
Canadian Home Economics Journal
Winter 1982 (PDF file, 3.8 MB)
Importance of Financial Counseling for Families in Debt – An Undergraduate Work-Study Project
Summer 1982 (PDF file*, 1.9 MB)
Evaluation of the Small Debtors Program in Manitoba
Nov. 1, 1980 (PDF file*, 3.1 MB)
Factors Relating to Gambling Behavior among College Students
(PDF file, 156 KB)
Bankruptcy and Gambling: Is There a Connection?
(PDF file, 140 KB)
Satisfaction with Selected Aspects of Households’ Finances Among Japanese
(PDF file*, 752 KB)
Cross-Cultural Approaches to Home Management
(PDF file*, 12.6 MB)
Impact of Technology and Deregulation on Financial Management
(PDF file*, 2.7 MB)
Impact of Financial Problems on Family Relationships
Family Perspective, Vol. 19, No. 3
(PDF file, 5.1 MB)
Familys’ Perception of the Bankruptcy Process
Family Perspective, Vol. 21, No. 1
(PDF file*, 4.3 MB)
Households’ Financial Management Factors Influencing Solvency and Satisfaction
(PDF file*, 5.7 MB)
Selected presentations
Family Financial Sustainability Through Values Based Financial Education: Implications for Home Economics
July 18, 2012 (PPTX, 184KB)
Financial Education: Challenges and Opportunities
October 27, 2009 (PDF, 2.2MB)
Getting on the Road to Financial Security
October 15, 2009 (PDF, 1.6MB)
Powerful Women, Powerful Decisions
October 15, 2009 (PDF file, 844KB)
Determining Financial Literacy Content
October 5, 2009 (PDF file, 292KB)
Financial Management Education Past, Present & Future!
May 14, 2009 (PDF file, 1MB)
The Use of the Internet as a Source of Financial Information
2009 (PDF file, 1.9MB)
Gender Differences in Investment Behavior: Educational Implications
Dec. 7, 2007 (PDF file, 76 KB)
Cultural Difference: Investment Attitudes and Behaviors of High Income Americans
Oct. 19, 2007 (MS Powerpoint file, 320 KB)
Risk Tolerance & Investor Confidence
Aug. 31, 2007 (PDF file, 3.8 MB)
Importance of Financial Literacy in America: Implications for China–an emerging global economy
July 2007 (Powerpoint file, 1.9 MB)
How Different Cultures Approach Investing
June 23, 2007(Powerpoint file, 472 KB)
Financial Beliefs, Feelings, and Behaviors
Feb. 21, 2002 (MS Powerpoint file, 141 KB)
Bankruptcy & Gambling…Is there a connection?
September 1998
Financial Attitudes, Beliefs & Behaviors of College Students
1997
College Students and Gambling
Dec. 5, 1996