Financial Planning

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In 2008, Dr. Hira, on the President’s Advisory Council on Financial Literacy, chaired the council’s listening forum in Des Moines, Iowa.

Dr. Hira is a prominent spokesperson on the importance of proper financial planning. Her specific expertise focuses on:

  • Financial management
  • Financial status
  • Financial learning
  • Financial information
  • Financial planners and advisers
  • Financial behavior and attitudes
  • Financial satisfaction
  • Financial perceptions
  • Financial emergencies
  • Risk management
  • Retirement planning

Academic program development

Dr. Hira has been active in the development of academic financial planning programs including:

  • Founding Iowa State’s Financial Counseling Clinic, which was developed as a research and teaching laboratory
  • Developing a financial counseling option at the undergraduate level
  • Teaching several courses and programs in personal finance
  • Serving on national teams to develop curriculum and courses for universities in the U.S. and abroad

Honors and awards

2009–Current Chair, Financial Literacy Advisory Council of NYSE Euronext.
2008 President’s Advisory Council on Financial Literacy, appointed by the 43rd President of the United States, George W. Bush.
2004 “The Best of 25 Years,” by the Journal of Financial Planning, October 1. Hira, T. K., H. Van Auken, and D. Norris. A look behind the scene: A survey of how CFPs work. Journal of the Institute of Certified Financial Planners 7(2):69–85. This article was selected and reprinted (October, pp. 76–88).
2004 Award-winning paper—Effects of Financial Education on Self-directed Financial Learning and Career Satisfaction of Lower-level, White-collar Workers, National Endowment for Financial Education Think Tank “Motivating Americans to Develop Constructive Financial Behaviors.” Denver, Colorado, May. $1,000 Award.
1996 Distinguished Fellows Award, the Association for Financial Counseling and Planning Education (AFCPE).
1995 Invited to participate in a nine-member national retirement saving expert focus group by Putnam Investment and the Cambridge Center for Behavioral Studies, Harvard University, Cambridge, Massachusetts.
1992 Grace Olson Resident Instruction Award for Application of Computers in Teaching Family Financial Planning Concepts, Iowa State University, College of Family and Consumer Sciences.

Research grants

Impact of financial planning education on employee satisfaction and productivity, Ernst and Young, LLP, $123,000

Importance of family financial counseling in today’s credit society, Federal Government of Canada, Summer Youth Employment Grant for the preparation of sound-slide presentation, $10,000

Financial management for employers of small manufacturing companies, Iowa Manufacturing Extension Partnership, $30,000

Satisfaction with retirement planning advice among ISU retirees, Office of Business and Finance, Iowa State University, $32,500

Explaining the origin of financial beliefs and behaviors of modern families, Iowa Agriculture and Home Economics Experiment Station (IAHEES), $70,981

The correlates of financial problems among families in financial counseling, Iowa Agriculture and Home Economics Experiment Station, $30,000

Analyzing economic stress on families from consumer credit, College of Family and Consumer Sciences, Grace Olson Endowment Fund, $2,700

Financial management practices of household money managers: A longitudinal study, Iowa Agriculture and Home Economics Experiment Station, $11,000

Financial management competencies of household money managers: Bases for adult education, Iowa Agriculture and Home Economics Experiment Station, $10,500

Certified financial planners: Their services and products, National survey, Iowa State Graduate College, $1,500

Satisfaction with retirement planning advice among ISU retirees, Office of Business and Finance, Iowa State University, $32,500

Publications

Refereed journals

2010 Rock, Whitney, Tahira K. Hira, and Cäzilia Loibl, The Use of the Internet as a Source of Financial Information by the United States Households. The International Journal of Management (accepted for publication).
2010 Sabri, F., M. MacDonald, T. Hira, and J. Masud. Childhood Consumer Experience and the Financial Literacy of College Students in Malaysia. Family and Consumer Sciences Research Journal (accepted for publication).
2010 Power, M. L., and T. K. Hira. Insurance Company Employees’ Financial Expertise and Practices: Implications on Benefit Participation and Satisfaction. Risk Management and Insurance Review 13(1):111–25).
2010 Loibl, Cäzilia, and Tahira K. Hira. Many roads lead to a good decision: gender differences in investor information search. Journal of Behavior Finance (accepted for publication).
2009 Hira, Tahira K., Whitney Rock, and Cäzilia Loibl. Determinants of Retirement Planning Behavior and Differences by Age. International Journal of Consumer Studies 33 (2009): 293–301.
2007 Loibl, Cäzilia, and Tahira K. Hira. New insights to advising your female clients on investment decisions. Journal of Financial Planning 20(3):68–75.
2006 Loibl, Cäzilia, and Tahira K. Hira. A workplace and gender-related perspective on financial planning information sources and knowledge outcomes. Financial Services Review 15(1):21–42.
2006 Loibl, Cäzilia, Tahira K. Hira, and Michael Rupured. First-time vs. repeat filers: The likelihood of completing a Chapter 13 bankruptcy repayment plan. Financial Counseling and Planning 17(1):23–33.
2005 Loibl, Cäzilia, and Tahira K. Hira. Impact of self-directed financial learning on financial and career satisfaction of white-collar employees. Financial Counseling and Planning 16(1):11–21.
2005 Hira, Tahira K., and Cäzilia Loibl. Understanding the impact of employer-provided financial education on employee commitment. Journal of Consumer Affairs 39(1):173–94.
2004 Power, L. M., and T. K. Hira. University provided retirement planning support and retiree financial satisfaction during retirement: Differences by gender, job classification, and planning behavior. Risk Management and Insurance Review 7(2):121–49.
2001 Hira, T. K. People behind money: As they hold it and fold it. Journal of Practical Estate Planning 3(6):45–62.
2000 Hira, T. K., M. Anderson, and K. Peterson. Students’ perceptions of their education debt and its impact on life after graduation. Journal of Student Financial Aid 30(1):7–19.
2000 Hira, T. K., and O. Mugenda. Gender differences in financial perceptions, behaviors, and satisfaction. Journal of Financial Planning 13(2):86–92.
1999 Hira, T. K., and O. Mugenda. The relationship between self-worth and financial beliefs, behavior, and satisfaction. Journal of Family and Consumer Sciences 91(4):76–82.
1999 Hira, T. K., and O. Mugenda. Predictors of financial satisfaction: Differences between retirees and non-retirees. Financial Counseling and Planning 9(2):75–83.
1997 Hira, T. K. Financial attitudes, beliefs and behaviors: Difference by age. Journal of Consumer Studies and Home Economics (21):271–90.
1994 Hira, T. K., and M. D. Norris. Financial planners’ perspectives on disclosure and regulation. Journal of Personal Financial Planning (November/December): 33–7.
1993 Sumarwan, U., and T. K. Hira. The effects of perceived locus of control and perceived income adequacy on satisfaction with financial status among rural households. Journal of Family and Economic Issues 14(4):343–64.
1993 Fitzsimmons, V. S., T. K. Hira, J. W. Bauer, and J. L. Hafstrom. Financial management: Development of scales. Journal of Family and Economic Issues 14(3):257–74.
1993 Hira, T. K., V. S. Fitzsimmons, J. L. Hafstrom, and J. W. Bauer. Factors associated with expectation of household’s future financial condition. Journal of Family and Economic Issues 14(3):237–56.
1992 Sumarwan, U., and T. K. Hira. Credit, saving, and insurance practices influencing satisfaction with preparation for financial emergencies among rural households. Home Economics Research Journal 21(2):206–27.
1992 Hira, T. K., and C. Brinkman. Factors influencing the size of student debt. Journal of Student Financial Aid 22(2):33–50.
1992 Hira, T. K., A. M. Fanslow, and R. M. Vogelsang. Determinants of satisfaction with preparation for financial emergencies. Financial Counseling and Planning Education 3:43–62.
1990 Mugenda, O. M., T. K. Hira, and A. M. Fanslow. Assessing the causal relationship among communication, money management practices, satisfaction with financial status, and satisfaction with quality of life. Lifestyles: Family and Economic Issues 11(4):343–60.
1989 Hira, T. K., and S. Nagashima. Satisfaction with selected aspects of household finances among Japanese. Journal of the Japan Society of Household Economics 5:179–92.
1989 Hira, T. K., A. M. Fanslow, and P. M. Titus. Changes in financial status influencing level of satisfaction in households. Lifestyles: Family and Economic Issues 10(2):107–22.
1989 Titus, P. M., A. M. Fanslow, and T. K. Hira. Effect of financial management knowledge of household money managers on behaviors and outputs. Journal of Vocational Home Economics Education 7(1):58–70.
1989 Titus, P. M., A. M. Fanslow, and T. K. Hira. Net worth and financial satisfaction as a function of household money managers’ competence. Home Economics Research Journal 17(4):309–18.
1989 Van Auken, H. E., T. K. Hira, and D. Norris. Study examines factors influencing success in financial planning. Journal of Financial Planning 2(1):37–43.
1987 Hira, T. K. Households’ financial management factors influencing solvency and satisfaction. Journal of the Japan Society of Household Economics 10(3):199–207.
1987 Danes, S. M., and T. K. Hira. Money management knowledge of college students. Journal of Student Financial Aid 17(1):4–16.
1986 Hira, T. K., D. M. Norris, and H. E. Van Auken. Fees for services: What determines the size of a financial planners’ annual income? Financial Planning 15 (11, November): 159–65.
1986 Hira, T. K., H. E. Van Auken, and D. M. Norris. Financial planning consumer: Who are they? What do they buy? Journal of the Institute of Certified Financial Planners 7 (4, Winter): 221–8.
1986 Hira, T. K., H. Van Auken, and D. Norris. A look behind the scene: A survey of how CFPs work. Journal of the Institute of Certified Financial Planners 7 (2, Summer): 69–85.
1985 Ulrichson, M. A., and T. K. Hira. The impact of financial problems on family relations. Family Perspectives 19(3):177–88.
1982 Hira, T. K., and K. Leskiw. Importance of financial counseling for families in debt. American Home Economics Journal 4(2):28–30.

Manuscripts in progress

2007 Hira, Tahira K., Fazli Sabri, and Cäzilia Loibl. The Impact of Financial Socialization on Investment Behavior and Household Net Worth. Journal of Financial Service Professionals.

Books and chapters in books

2007 Hira, Tahira K., and Cäzilia Loibl. Women’s finances (refereed). In Jing Jian Xiao (Ed.), Advances in Consumer Finance Research. New York: Springer (in print).
2006 Loibl, Cäzilia, and Tahira K. Hira. Financial learning in the workplace. In Kurt Gedrich, Thomas Zängler, and Waltraud Kustermann (Eds.), Researching the consumer in academia (pp. 145–63). New York: Lang.
1997 Hira, T. K. Application of financial counseling skills to work with delinquent clients. In T. Nishimura (Ed.), Credit Counseling (pp. 75–88). Tokyo, Japan: Oriental Economic Press.
1996 Hira, T. K., and A. Swift. Application of a resource management model to improve family financial well-being. In L. Engberg, J. Varjonen, and H. Steinmuller (Eds.), Family Resource Management Issues (pp. 109–13). International Federation of Home Economics (IFHE): Family Resource Management Committee.
1988 Nagashima, S., T. K. Hira, S. Shirai, and Y. Otsuka. Life planning and family financial management. In Dr. Mitsuaki Imai (Ed.), Analysis of Current Conditions: Issues and Problems in Consumer Education (pp. 73–94). Tokyo, Japan: Japan Academy of Consumer Education.
1985 Hira, T. K. Impact of family financial management practice on household’s solvency status. In Ujie and Matsuda (Eds.), The Age of Home Economics. Tokyo, Japan: Institute of Human Ecology.

Invited papers

2009 Hira, Tahira K. Personal Finance: Past, Present and Future, Networks Financial Institute Policy Brief series.

Papers in refereed proceedings

2006 Hira, Tahira K., and Cäzilia Loibl. Gender differences in the attitudes and beliefs toward financial advisors. Research paper, Proceedings of the 2006 IFHE Council Meeting. Date of submission: May 15; date accepted: June 2; presented by Tahira Hira: July 17 (peer reviewed). Cape Town, South Africa.
2005 Hira, Tahira K., Cäzilia Loibl, and Michael Rupured. Debtor education and the ability to complete Chapter 13 repayment plans. Proceedings of the Academy of Financial Services Annual (CD proceedings). Chicago, Illinois, October 12.
2001 Hira, T. K., and M. Anderson. Financial beliefs, feelings, and behaviors of college students. In Proceedings of the Annual Conference of the Eastern Family Economics and Resource Management Association (pp. 40–61).
1999 Hira, T. K., and O. M. Mugenda. Do men and women differ in their financial beliefs and behaviors? In Eastern Family Economics and Resource Management Association Conference Proceedings (pp. 1–80). University of Texas, Austin, Texas.
1995 Hira, T. K., H. Noh, and M. Winter. Relationship between borrowing practices and financial difficulties among rural households. In C. Y. Kratzer (Ed.), Financial Empowerment: Financial Counseling and Planning Across the Life Cycle (pp. 21–31). National Pre-Conference of the Association for Financial Counseling and Planning Education, New Orleans, Louisiana.
1994 Hira, T. K. Ethics: What we do? What do we teach? Implications for professionals. In R. H. Lytton (Ed.), Public Policy and Economic Well-being: The Financial Counselor’s Role (pp. 213–324). Virginia Polytechnic Institute and State University, Blacksburg, Virginia.
1994 Hira, T. K., A. Swift, and K. L. Kostelecky. Development of a diagnostic instrument to identify family problems among financial counseling clients. In R. H. Lytton (Ed.), Public Policy and Economic Well-being: The Financial Counselor’s Role (pp. 312–24). Virginia Polytechnic Institute and State University, Blacksburg, Virginia.
1993 Dufresne, T. J., and T. K. Hira. Bankrupts’ decision-making and coping process: A relationship among pre-bankruptcy factors. In V. S. Fitzsimmons (Ed.), Challenges for Financial Counseling and Planning Professionals (pp. 160–71). University of Illinois, Urbana, Illinois.
1993 Hira, T. K., and U. Sumarwan. Predictors of financial strain and satisfaction with financial status of rural elderly. In E. Davis and J. Gilbreth (Eds.), Diversity Among Economically Vulnerable Households (pp. 190–214). Family Economics and Home Management Pre-conference, University of Nebraska, Lincoln, Nebraska.
1992 Hira, T. K. The rehabilitative aspect of consumer bankruptcy procedures. In D. Iams (Ed.), Mind and Money: The Quest for Financial Control and Stability (pp. 120–38). The Association for Financial Counseling and Planning Education Annual Conference, University of Arizona, Tucson, Arizona.
1991 Mugenda, O., T. K. Hira, and A. Fanslow. Influence of net worth, financial planning and satisfaction with quality of life. In Sharon Danes (Ed.), Financial Challenges for the Twenty-first Century (pp. 141–55). Association for the Financial Counseling and Planning Education, University of Minnesota, St. Paul, Minnesota.
1990 Hira, T. K. Causes and effects of consumer bankruptcies: An international comparison. In Robert Weagley (Ed.), Many Perspectives Coming Together (pp. 21–38). Association for Financial Counseling and Planning Education, University of Missouri, Columbia, Missouri.
1988 Hira, T. K. Money management practices and satisfaction with various aspects of households’ finances among Japanese. In William C. Bailey (Ed.), Families and Finances: Agenda for the Future (pp. 29–43). Association for Financial Planning and Counseling Education, Lubbock, Texas.
1988 Mugenda, O. M., T. K. Hira, and A. M. Fanslow. Effect of spousal communication on household’s satisfaction with financial situation and quality of life. In Proceedings of the American Council on Consumer Interest (pp. 151–4). University of Missouri, Columbia, Missouri.
1987 Hira, T. K., D. Norris, and H. Van Auken. Certified female financial planners: How they differ from male planners. In Academic Symposium Proceedings (pp. 209–28). International Association for Financial Planning, Atlanta, Georgia.
1986 Hira, T. K., D. Norris, and H. Van Auken. Certified financial planners: A practice profile. In K. Kitt (Ed.), Quality Control in an Emerging Profession (pp. 96–107). Association for Financial Counseling and Planning Education, Chicago, Illinois.
1986 Hira, T. K., D. Norris, and H. Van Auken. Factors influencing levels and methods of setting financial planning fees. In Academic Symposium Proceedings (pp. 25–36). International Association of Financial Planning, Chicago, Illinois.
1985 Hira, T. K., H. Van Auken, and D. Norris. Certified financial planners: Their products, services and strategies. In Academic Symposium Proceedings for Financial Planning (pp. 51–70). International Association for Financial Planning, Anaheim, California.
1985 Hira, T. K., and C. Fletcher. Impact of technology on deregulation on personal financial management. In S. Nickols (Ed.), Thinking Globally-Acting Locally—The Balancing Act (pp. 207–15). The Family Economics/Home Management Pre-Conference Workshop, The American Home Economics Association, Temple University, Philadelphia, Pennsylvania.

Non-refereed papers — proceedings and other

1997 Hira, T. K., K. Monson, and C. Ingram. Gambling: Impact on family and family finances. In D. Draper and C. Johnson (Eds.), Gambling and the Family Conference Proceedings. College of Family and Consumer Sciences, Iowa State University, Ames, Iowa.
1995 Hira, T. K. Credit counseling for insolvent debtor: Implications for debtors and creditors. In Credit Age. March 10–11, Japan Consumer Finance Association, Osaka, Japan.
1995 Hira, T. K. Determinants of saving behavior of American consumers. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan.
1995 Hira, T. K. The credit problems of the US consumers and role of financial counseling. In Credit Age. March 4–9, Japan Consumer Finance Association, Osaka, Japan.
1990 Hira, T. K. Financial planning software. Advancing the Consumer Interest 2(2):31–2.
1988 Hira, T. K., and T. L. Frey. Personal financial planning as a potential extension education program. In The New Agricultural (conference proceedings, pp. 2–13). North Central Regional Extension Farm Management, Ames, Iowa.
1987 Swift, A. V., and T. K. Hira. Household interaction patterns in family finance area. 16th Annual Conference Proceedings (pp. 190–214). Southeastern Regional Association for Family Economics/Home Management, Chattanooga, Tennessee.
1986 Hira, T. K. Financial management practices of two-income households. In G. Pyles (Ed.), Consumer Services for the Family: 15th Annual Conference Proceedings (pp. 57–62). Southeastern Regional Association for Family Economics/Home Management, Akron, Ohio.

Technical and research reports

2000 Hira, T. K., and L. S. Power. Assessment of employer provided retirement planning support and employer satisfaction during retirement. Iowa State University, Ames, Iowa.
2002 Lean personal financial management: Key to employee financial well-being. Educator’s Manual; Student Manual. Iowa State University, University Extension. Iowa Manufacturing Extension Partnership.
2001 Hira, T. K., and F. M. Itote. Impact of financial education on employee well-being and loyalty: A longitudinal study. Ernst and Young. June. Iowa State University, Ames, Iowa.
2000 Hira, T. K. Employee financial well-being and company loyalty. Ernst and Young. February. Iowa State University, Ames, Iowa.

Other professional activities

Editorial board service

Co-editor, special issue of the Family and Consumer Sciences Research Journal (Financial Literacy); Journal of Practical Estate Planning; Journal of Financial Planning; Journal of Financial Counseling and Planning; Journal of Financial Planning.

Reviewer service

Journal of Financial Counseling and Planning.

Consulting

National Endowment for Financial Education, Implications of quarter century research in personal finance; College of Human Ecology, University of Putra Malaysia, Development of research and teaching program in family financial planning (summer), Kuala Lumpur, Malaysia; Department of Resource Management and Consumer Studies, Universiti Pertanian Malaysia, Development of undergraduate financial management curriculum, Kuala Lumpur; Japan Consumer Finance Association, Development of financial counseling centers and training of financial counselors, Tokyo and Osaka, Japan; University of Minnesota, Department of Family Services, Evaluation of curriculum to develop a focus on financial counseling, St. Paul, Minnesota; Aid Association for Lutherans, Developing research directions and educational material in personal finance, Appleton, Wisconsin.

Reviewer for research papers at regional and national conferences

Association for Financial Counseling and Planning Education’s annual conference (juried paper); Association for Financial Counseling and Planning Education’s annual conference (student paper awards).

Invited presentations to professional organizations/groups

International

2006 Hira, T. K. Impact of workplace financial education on career satisfaction and employee loyalty. Financial Forum II, Canadian Home Economics Education, Vancouver, BC, Canada, December 8–­10.
2003 Hira, T. K. Importance of financial literacy in the current technology and information environment. Japan Consumer Finance Association (JCFA) Consumer Finance Symposium, Osaka/Tokyo, Japan, October.
2003 Hira, T. K. Challenges facing the debt counseling industry in America and global implications. Japan Consumer Finance Association (JCFA) Financial Counseling Workshop, Tokyo, Japan, October.
2003 Hira, T. K. Critical elements of financial education for high school students. Consumer Education Association of Tokyo, Tokyo, Japan, October.
2003 Hira, T. K. Impact of the proposed U.S. consumer bankruptcy legislation on credit counseling and financial education of the American consumer (keynote). Annual Conference of the Academy of Consumer Finance and Services, Sapporo, Japan, November.
2003 Hira, T. K. Impact of regulations on the availability and cost of financial products and services (panel member). Annual Conference of the Academy of Consumer Finance and Services, Sapporo, Japan, November.
2001 Hira, T. K. Financial planning: A new approach to curriculum in family economics and management (one-week seminar). University of Putra, Kuala Lumpur, Malaysia.
2000 Hira, T. K. Financial planning education: A requirement for consumers in the 21st century (keynote). Japan Association of Consumer Education, Nagoya, Japan.
1999 Hira, T. K. The nature of a fresh start and the role of financial education in granting discharge to Chapter 7 debtors. INSOL International Conference of the Americas, Bermuda.
1998 Hira, T. K. Importance of financial management education as part of family resource management in developing economies. College of Home Economics, Lahore, Pakistan.
1996 Hira, T. K. Application of family resource management model to improve family financial well-being. International Federation of Home Economics Congress, Bangkok, Thailand.
1995 Hira, T. K. Credit counseling model: Implications for the industry. Consumer Finance Association Conference, Osaka, Japan.
1994 Hira, T. K. Underlying causes of family financial problems and development of appropriate financial counseling techniques. Otago Budget Advisory Services district meeting, Dunedin, New Zealand.
1994 Hira, T. K. Why we must develop formal educational courses in financial planning. Rotary International, Dunedin, New Zealand.
1994 Hira, T. K. Status of financial planning profession and professionals in the U.S.A: Implications for institutions of higher education. Investment Portfolio Design and Securities Limited, Auckland, New Zealand.
1994 Hira, T. K. Consumer debt and consumer bankruptcy in the U.S.A.: The need for money management education and financial counseling. Association of Home Science Alumnae of New Zealand, Inc., Dunedin, New Zealand.
1990 Hira, T. K. Risk management practices and their impact on household’s satisfaction with financial status. Nara Women’s University, Department of Consumer Economics and Resource Management, Nara, Japan.
1990 Hira, T. K. Risk management practices and their impact on household’s satisfaction with financial status. Nara Women’s University, Department of Consumer Economics and Resource Management, Nara, Japan.
1987 Hira, T. K. Credit unions and their role in financial counseling in the United States. Annual meeting of North Edinburgh Credit Union, Edinburgh, Scotland.
1987 Hira, T. K. Assessment and evaluation of family financial management curriculum for home economics educators. Manchester Polytechnic Institute, Department of Home Economics, Manchester, England.
1987 Hira, T. K. Role of education to alleviate family financial problems. Institute of Home Economics, Scottish Branch, Queen’s College, Glasgow, Scotland.
1987 Hira, T. K. Factors contributing to family financial problems. Institute of Home Economics, Scottish Branch, Queen’s College, Glasgow, Scotland.
1986 Hira, T. K. Impact of financial problems on family living and family financial management education. Hyogo University of Teacher Education, Japan.
1986 Hira, T. K. Household’s financial management practices influencing solvency and satisfaction (keynote). Japan Society of Household Economics, Osaka, Japan.
1986 Hira, T. K. Factors influencing various aspects of household financial management. 8th International Home Economics Research Conference, Glasgow, Scotland.

National and regional presentations

2010 Hira, T. K. Financial Education What We Know & What Next! (keynote). Eastern Family Economics and Resource Management Biennial Conference, Chattanooga, Tennessee, March 2–4.
2009 Hira, T. K. Financial Management Education: Past, Present & Future. Networks Financial Institute, Indiana State University, National Conference: Improving Financial Literacy and Reshaping Financial Behavior: Research Papers and Perspectives. Indianapolis, Indiana, May 14–15.
2009 Hira, T. K. How to Survive and Thrive Even in Financially Stressed Times. Ball State University, Muncie, Indiana, April 8.
2009 Hira, T. K. Financial Literacy: National Perspective—Local and Personal Implications. Minnesota Jump$tart Coalition Annual Conference, Minneapolis, Minnesota, April 9.
2003 Hira, T. K. Need for financial education: Why now? (keynote). Connecticut State Board of Education Financial Literacy Symposium, Hartford, Connecticut, March 27.
2003 Hira, T. K. Need for financial education: Role of family and consumer sciences professionals. Annual conference, Wisconsin Family and Consumer Sciences, Madison, Wisconsin, March 7.
2002 Hira, T. K., Predictors of financial satisfaction during retirement. International Household and Family Research Conference, Helsinki, Finland.
1999 Hira, T. K. Socio-psychological aspect of money behavior (individual and family dynamics): Response from academia. The National Association of Personal Finance Advisors (NAPFA), Advance Planners Conference, Denver, Colorado.
1997 Hira, T. K. Financial beliefs and behaviors of college students. In Touch Forum, annual conference for student loan officers and financial aid advisors, Jacksonville, Florida.
1996 Hira, T. K. Women and financial planning: Their role in creating and preserving family’s wealth. Iowa Cattlemen’s Association Convention, Des Moines, Iowa.
1996 Hira, T. K. Financial attitudes, beliefs, and behaviors: Differences by age. National Conference of International Credit Association (ICA), New Orleans, Louisiana.
1996 Hira, T. K. Financial planning for female small business owners. Iowa Association of Cosmetologists, Des Moines, Iowa.
1996 Hira, T. K. Money Personalities: An empirical look. Nazaruddin Financial Planning Group, Santa Fe, New Mexico.
1996 Hira, T. K. Consumer behavior: An important variable in the credit risk model. Citicorp’s global credit conference, Las Vegas, Nevada.
1996 Hira, T. K. Lifestyle concerns for those planning to retire. John Deere Company, Des Moines, Iowa.
1995 Hira, T. K. Understanding forces behind money behavior: Implications for financial advisors. Annual retreat of the Colorado Society of Certified Financial Planners (CFPs), Breckenridge, Colorado.
1995 Hira, T. K. Role of family in developing money management attitudes: An insight for financial professionals (keynote). Master planner section of the Annual Conference of the Institute of Certified Financial Planners (ICFP), San Diego, California.
1995 Hira, T. K. Ethics work for professionals in financial planning. Iowa Society of Certified Financial Planners, Des Moines, Iowa.
1994 Hira, T. K., and M. Born. Professional ethics: What do we teach? What do we do? Implications for the profession. Association for Financial Counseling, Planning and Counseling Education, Nashville, Tennessee.
1994 Hira, T. K. Financial planning needs and processes: Implications for women. Iowa Home Economics Educators’ Conference, Des Moines, Iowa.
1993 Hira, T. K. Levels of credit use and savings among Americans: Policy implications. Personal Economics Summit; The Institute of Certified Financial Planners, Washington, D.C.
1993 Hira, T. K. The strategic role of academic involvement in the future of financial planning profession. Annual retreat of the Institute of Certified Financial Planners (ICFP), Yale University, New Haven, Connecticut.
1993 Hira, T. K. Retirement planning: Research findings and implications for female baby boomers. American Home Economics Association (AHEA), Orlando, Florida.
1991 Hira, T. K. The financial planning industry outlook: Regulations, future, and marketing of financial planning services. Personal Financial Planning Committee of the Iowa Society of CPAs, Des Moines, Iowa.
1989 Hira, T. K. Financial decision making patterns among Japanese households. University of Hawaii Department of Human Resources, Mauna, Hawaii.
1989 Hira, T. K. Role of bankruptcy as a legal alternative for overextended debtors. Accent Financial Services, West Des Moines, Iowa.
1989 Hira, T. K. Changes in household financial status influencing level of satisfaction: 1982–86. Annual meeting of American Association of University Women, Marshalltown, Iowa.
1988 Hira, T. K. Consumer attitude toward financial planning and financial planners. Estate Planning Council, Cedar Rapids, Iowa.
1988 Hira, T. K. Retirement planning for farm families: Investment strategies. Iowa State University Extension in-service training, Ames, Iowa.
1984 Hira, T. K. Research: How it helps understand financial concerns of families. Iowa State University Cooperative Extension Service Family Financial Counseling Workshop, Cedar Falls, Iowa.
1984 Hira, T. K. Exploring the financial needs of the elderly. Iowa State University Cooperative Extension Workshop, Decorah, Iowa.
1984 Hira, T. K. Importance of communication skills in financial planning (one-day workshop). Financial Planning Institute sponsored by the Iowa Bankers Association, Des Moines, Iowa.
1984 Hira, T. K. Financial planning: Need and process (three-day session). Financial Planning Institute sponsored by the Iowa Bankers Association, Des Moines, Iowa.
1982 Hira, T. K. Retirement planning for clergy. Iowa Clergy Economic Education 17th Annual Conference, Boone, Iowa.
1982 Hira, T. K. Personal financial planning: Strategies and alternatives. Mosebach, Griffith & Company, Certified Public Accountants, Cedar Rapids, Iowa.
1982 Hira, T. K. Financial management in an age of economic uncertainty. Annual meeting of Iowa Home Economics Association, Fort Dodge, Iowa.
1982 Hira, T. K. Personal financial management for young adults. WOI-TV series, Young People Speak Out, Ames, Iowa.
1981 Hira, T. K. Challenges for educators in the area of family finance in today’s economic climate. Iowa State University Extension area specialists in-service training, Ames, Iowa.
1981 Hira, T. K. Financial problems and money management for church families. Iowa Clergy Economic Education 16th Annual Conference, Boone, Iowa.

Juried presentations at professional meetings

2009 Rock, Whitney, Tahira Hira, and Cäzilia Loibl. Role of internet as a source of financial information, Academy of Financial Services, Anaheim, California, October.
2008 Hira, T. K. Cultural differences in use of technology to access financial information and attitudes towards financial advisors. International Federation of Home Economics Congress, Lucerne, Switzerland, July 26–31.
2005 Hira, Tahira K., Cäzilia Loibl, and Michael Rupured. Debtor education and the ability to complete Chapter 13 plans (research paper). Academy of Financial Services Annual Meeting, New Orleans, Louisiana, October 8–9.
2004 Loibl, Cäzilia, and Tahira K. Hira. The effect of financial conversation on financial learning and its outcomes. Academy of Financial Services Annual Meeting, New Orleans, Louisiana, October 6–7.
2004 Hira, T. K., Cäzilia Loibl, and Tom Schenk, Jr. Risk tolerance and investor confidence: Ethnic and cultural differences. Academy of Financial Services, Orlando, Florida, October.
2004 Loibl, C., and T. K. Hira. Effects of financial education on self-directed financial learning and career satisfaction of lower-level, white-collar workers. The Think Tank “Motivating Americans to Develop Constructive Behaviors,” sponsored by National Endowment for Financial Education, Denver, Colorado, May 11–13.
2004 Loibl, C., and T. K. Hira. Effects of financial education on self-directed financial learning and career satisfaction of lower-level, white-collar workers. Annual Conference of the American Council on Consumer Interest (ACCI), Washington, D.C., March 31–April 3.
2004 Loibl, C., and T. K. Hira. Workplace financial education and employee financial behavior and beliefs: The role of self-directed financial learning (research paper). Annual Conference of Eastern Regional Family Economics and Resource Management Association (EFERMA). Tampa, Florida, February 26–28.
2003 Hira, T. K., and C. Loibl. Effects of financial education in the workplace on employee financial behavior. American Council on Consumer Interest, Atlanta, Georgia, April 2–5.
2001 Enders, L., T. K. Hira, B. Miller, and T. Carlson. A narrative: Financial counseling approach to gambling issues. Annual Conference of American Association of Marriage and Family Therapy, Denver, Colorado.
2000 Hira, T. K., and J. Masud. Cultural differences in financial beliefs and behaviors among college students. (U.S. and Malaysia) XIX IFHE Congress, Accra, Ghana.
1999 Hira, T. K. The impact of gambling on household finances: Role of financial educators. American Association of Family and Consumer Sciences, Seattle, Washington.
1996 Hira, T. K., K. L. Kostelecky, and N. Carr. Childhood experiences influencing current financial situation of college students in the U.S. and New Zealand. XVIII International Federation of Home Economics Congress, Bangkok, Thailand.
1995 Hira, T. K., H. Noh, and M. Winter. Relationship between borrowing practices and financial difficulties among rural households. National Conference of Association of Financial Counseling and Planning Education (AFCPE), New Orleans, Louisiana.
1994 Hira, T. K., A. Swift, and K. L. Kostelecky. Development of a diagnostic instrument to understand the role of family problems among financial counseling clients. National Conference of the Association for Financial Counseling and Planning Education, Nashville, Tennessee.
1994 Strand, J. K., T. K. Hira, and B. R. Carter. Repeat consumer bankruptcies: A comparative analysis with one-time petitioners in the United States and Canada. Poster session presented at the National Conference of the Association for Financial Counseling and Planning Education, Nashville, Tennessee.
1993 Dufresne, T. J., and T. K. Hira. An application of the double ABCX Model of Family Adaptation to families who have experienced financial stress. National Conference of the Association for Financial Counseling and Planning Education, San Antonio, Texas.
1993 Hira, T. K., and D. Norris. Certified financial planners’ attitudes toward regulations and disclosure requirements. Poster session presented at the National Conference of the Association of Financial Counseling and Planning Education, San Antonio, Texas.
1993 Hira, T. K., and U. Sumarwan. Determinants of financial strain and satisfaction with financial status among rural elderly. American Home Economics Association, Family Economics/Home Management Pre-conference, Orlando, Florida.
1990 Sumarwan, U., and T. K. Hira. Financial management practices influencing satisfaction with household financial status. Annual Conference of American Home Economics Association, San Antonio, Texas.
1989 Titus, P. M., A. M. Fanslow, and T. K. Hira. Financial management knowledge and behaviors of household money managers. Poster session presented at the Annual Conference of American Home Economics Association, Cincinnati, Ohio.
1988 Hira, T. K. Money management practices and satisfaction with various aspects of household finances among Japanese. Annual meeting of Association for Financial Planning and Counseling Education, Lubbock, Texas.
1988 Norris, D. M, T. K. Hira, and H. E. Van Auken. Certification of personal financial planners. Midwest Business Administration Association, St. Louis, Missouri.
1987 Titus, P., A. Fanslow, and T. K. Hira. Net worth and financial satisfaction as a function of money managers’ competencies. Poster session presented at the annual meeting of American Vocational Association, Washington, D.C.
1987 Hira, T. K., D. M. Norris, and H. Van Auken. Factors influencing financial planning process followed by certified financial planners. Poster research reporting session presented at the annual meeting of American Home Economics Association, Family Economics/Home Management, Indianapolis, Indiana.
1987 Hira, T. K. Factors influencing satisfaction with various aspects of household’s finances (keynote). 1987 pre-conference Family Economics and Home Management Workshop of the American Home Economics Association, Indianapolis, Indiana.
1987 Swift, A. V., and T. K. Hira. Household interaction patterns in family finance area. Southeastern Regional Association for Family Economics/Home Management, Chattanooga, Tennessee.
1985 Hira, T. K. Determinants of financial asset management behavior. 14th Annual Conference of the Southeastern Regional Association for Family Economics/Home Management, Baton Rouge, Louisiana.
1983 Hira, T. K. Evaluation of financial counseling/planning research publication sources. Financial Counseling Consortium, Brigham Young University, Provo, Utah.
1983 Hira, T. K., and A. Ulrichson. Impact of financial problems on family relationships. Annual meeting of American Home Economics Association, Milwaukee, Wisconsin.

Iowa presentations

2009 Hira, T. K. Financial Literacy: National Perspective and Implications for Women. Iowa State University Foundation, Women in Philanthropy Annual Conference, Ames, Iowa, May 13.
2009 Hira, T. K. Financial Literacy in America: Opportunities and Challenges. Greater Des Moines Committee, Des Moines, Iowa, April 8.
2009 Hira, T. K. Why Financial Education and Why Start Early? Treynor State Bank, Treynor, Iowa, April 14.
2008 Hira, T. K. Youth financial literacy: challenges and opportunities. Annual meeting of Jump$tart Coalition Iowa, Ankeny, Iowa, July.
2001 Hira, T. K. Successful financial planning for women business owners. Cherokee, Iowa.
1990 Hira, T. K., and U. Sumarwan. Determinants of satisfaction with household financial status. Annual Conference of Iowa Home Economics Association, Cedar Rapids, Iowa.
1986 Hira, T. K. Financial planning advice! Who is using it? Annual Conference of Iowa Home Economics Association, Waterloo, Iowa.

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  • "Relatively little attention has gone to the question of how college students themselves handle their finances. For most kids, it's the first time totally on their own, and they don't know how to plan and budget."

    Tahira Hira — Washington Post