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Sources: Mary Bell, marybell@k-state.edu;
and Sonya 1xbet online sports betting , 785-532-3541, sbritt@k-state.edu
News release prepared by: Greg Tammen, 785-532-2535, gtammen@k-state.edu
Monday, April 18, 2011
COMBATING MONEY WOES: STUDY LOOKING AT 1xbet online sports betting RESILIENCY OF SOLDIERS
MANHATTAN -- Two Kansas State University researchers are crunching the numbers when it comes to the 1xbet online sports betting status of soldiers at Fort Riley.
The work is through a new collaborative project with the fort, named the 1xbet online sports betting Resiliency of Fort Riley Service Members and Spouses.
&1xbet online sports betting ;All Americans sometimes struggle with financial matters, and that does not exclude the military,&1xbet online sports betting ; said Mary Bell, one of the financial researchers and a doctoral student in personal financial planning, Manhattan.
Along with Sonya Britt, assistant professor with K-State's Institute of Personal 1xbet online sports betting Planning in the College of Human Ecology, the duo is collecting and analyzing information on the current 1xbet online sports betting situations of deploying soldiers from Fort Riley. Data also will be gathered on how the soldiers and their families manage the pay increases and extra benefits they receive while deployed to a combat zone. After completion, findings will be shared with officials at Fort Riley, who may use the material in 1xbet online sports betting management and education programs.
For military members, personal 1xbet online sports betting matters often carry over into the job.
&1xbet online sports betting ;For example, if I had a really poor credit score, my boss would most likely not know and it wouldn't affect my life on a day-to-day basis,&1xbet online sports betting ; Bell said. &1xbet online sports betting ;But service members who need a security clearance will have a background check where they will pull their credit score. And if you can't get that clearance in the military, you essentially lose your job.&1xbet online sports betting ;
According to Britt, the thought is that soldiers who are struggling with 1xbet online sports betting matters may not be mentally or financially prepared for overseas deployment.
In November Britt and Bell dispensed a voluntary questionnaire to 2,000 Fort Riley service members before deployment. The survey included questions such as &1xbet online sports betting ;Do you talk about finances with your spouse?&1xbet online sports betting ; and &1xbet online sports betting ;How much debt are you currently in?&1xbet online sports betting ;
Upon return to the U.S., the same group of soldiers who completed the initial questionnaire will be asked to complete a follow-up survey measuring their 1xbet online sports betting practices throughout their yearlong deployment. This study will be the largest publicly collected sample by a university regarding 1xbet online sports betting matters of U.S. Army soldiers.
&1xbet online sports betting ;Resiliency is a really big focus of the military, and this data is about that financial resiliency,&1xbet online sports betting ; Britt said. &1xbet online sports betting ;Although we personally won't be offering any counseling or money management advice, we're helping those service members and their families become financially resilient by collecting this data and giving it to Fort Riley so they can see what's going on before and after deployment.&1xbet online sports betting ;
1xbet online sports betting and Bell began surveying military spouses in late January.
Although the data analysis and collection isn't complete, Bell and 1xbet online sports betting say they have noticed some interesting trends, including:
* Demographically, of the 700 who completed the survey, the respondent's average age was 26 years old. Roughly 50 percent have a high school education or GED, while around 40 percent have some college education. Eight percent completed a bachelor's degree and 1 percent completed a graduate degree.
* Half of the participants have an emergency fund of less than 0. &1xbet online sports betting ;Generally it's recommended to have 3-6 months of your expenses in an emergency account. In this case, 0 won't really stretch that far,&1xbet online sports betting ; Britt said.
* Eleven percent have credit card debt of ,000 or more. The exact amount of credit card debt of respondents is unknown, but the numbers seem comparable to the national average of ,000 in credit card debt, according to 1xbet online sports betting .
* About 75 percent indicated they have an internal locus of control. &1xbet online sports betting ;Despite being issued orders, this means a majority of soldiers feel they have control over their destiny, choices and consequently finances,&1xbet online sports betting ; Bell said.