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     <title>RAND: Joanne K. Yoong</title>
     <link rel="self" href="http://www.rand.org/about/people/y/yoong_joanne.xml"/>
     <updated>2012-05-15T19:02:14Z</updated>
     <link rel="alternate" type="text/html" hreflang="en" href="http://www.rand.org/about/people/y/yoong_joanne.html" />
     <rights>Copyright (c) 2012, The RAND Corporation</rights>
     <author>
       <name>RAND Corporation</name>
     </author>
     <id>http://www.rand.org/about/people/y/yoong_joanne.html</id>
	 
 <entry>
   <title type="html">Long-Term Financial Incentives and Investment in Daughters: Evidence From Conditional Cash Transfers In North India</title>
   <id>http://www.rand.org/pubs/working_papers/WR667.html</id>
   <published>2009-03-08T07:17:00Z</published>
   <updated>2009-03-08T07:17:00Z</updated>
   <summary type="html">Evaluates a program in Haryana, India that since the early 1990s is one of several states that have introduced financial incentive programs to discourage son preference among parents and to encourage investments in daughters&apos; education and health.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR667.html" />
   
 </entry>
 
 <entry>
   <title type="html">How Do Mutual Fund Fees Affect Investor Choices?: Evidence from Survey Experiments</title>
   <id>http://www.rand.org/pubs/working_papers/WR653.html</id>
   <published>2009-01-30T16:15:00Z</published>
   <updated>2009-01-30T16:15:00Z</updated>
   <summary type="html">Analyzes the results from 1000 survey respondents to see how mutual fund fees affect investor choices. 

 </summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR653.html" />
   
 </entry>
 
 <entry>
   <title type="html">Asking for Help: Survey And Experimental Evidence on Financial Advice and Behavior Change</title>
   <id>http://www.rand.org/pubs/working_papers/WR714-1.html</id>
   <published>2010-01-07T16:07:00Z</published>
   <updated>2010-01-07T16:07:00Z</updated>
   <summary type="html">Using survey data from current defined-contribution plan holders in the RAND American Life Panel (a probability sample of U.S. households) seeks to find if individuals actually improve their financial behavior in response to advice.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR714-1.html" />
   
 </entry>
 
 <entry>
   <title type="html">Defining and Measuring Financial Literacy</title>
   <id>http://www.rand.org/pubs/working_papers/WR708.html</id>
   <published>2009-11-02T17:01:00Z</published>
   <updated>2009-11-02T17:01:00Z</updated>
   <summary type="html">Provides a review of theoretical and operational approaches to financial literacy, as well as a conceptual model and composite definition of financial literacy.
 </summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR708.html" />
   
 </entry>
 
 <entry>
   <title type="html">Building Up, Spending Down: Financial Literacy, Retirement Savings Management, and Decumulation</title>
   <id>http://www.rand.org/pubs/working_papers/WR712.html</id>
   <published>2009-12-07T15:08:00Z</published>
   <updated>2009-12-07T15:08:00Z</updated>
   <summary type="html">Examines if employees are well-equipped to make decisions regarding how much to contribute to their employer-provided pension plans, how to allocate their retirement accounts, and how they will decumulate their retirement funds during retirement.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR712.html" />
   
 </entry>
 
 <entry>
   <title type="html">Self-Dealing and Compensation for Financial Advisors</title>
   <id>http://www.rand.org/pubs/working_papers/WR713.html</id>
   <published>2009-11-05T16:45:00Z</published>
   <updated>2009-11-05T16:45:00Z</updated>
   <summary type="html">Develops a framework that addresses questions of self-dealing based on the direct-marketing model introduced by Inderst and Ottaviani, specifically adapting the model to the setting of 401(k) plan advice.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR713.html" />
   
 </entry>
 
 <entry>
   <title type="html">Asking for Help: Survey And Experimental Evidence on Financial Advice And Behavior Change</title>
   <id>http://www.rand.org/pubs/working_papers/WR714.html</id>
   <published>2009-11-06T10:31:00Z</published>
   <updated>2009-11-06T10:31:00Z</updated>
   <summary type="html">Using survey data from current defined-contribution plan holders in the RAND American Life Panel (a probability sample of U.S. households) seeks to find if individuals actually improve their financial behavior in response to advice.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR714.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR714-1.html" />
 </entry>
 
 <entry>
   <title type="html">Do Risk Disclosures Affect Investment Choice?</title>
   <id>http://www.rand.org/pubs/working_papers/WR788.html</id>
   <published>2010-10-05T10:59:00Z</published>
   <updated>2010-10-05T10:59:00Z</updated>
   <summary type="html">Examines the potential effects of different information disclosures regarding risk on retirement investing behavior.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR788.html" />
   
 </entry>
 
 <entry>
   <title type="html">Private Sector Participation and Health System Performance in Sub-Saharan Africa</title>
   <id>http://www.rand.org/pubs/external_publications/EP20100136.html</id>
   <published>2010-01-01T00:00:00Z</published>
   <updated>2010-01-01T00:00:00Z</updated>
   <summary type="html">The participation of the private sector in providing health care in developing countries is associated with greater access to care and reduced disparities between rich and poor and urban and rural populations.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20100136.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://www.plosone.org/article/info%3Adoi%2F10.1371%2Fjournal.pone.0013243" />
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/research_briefs/RB9567.html" />
 </entry>
 
 <entry>
   <title type="html">Commitment Mechanisms and Compliance with Health-Protecting Behavior</title>
   <id>http://www.rand.org/pubs/external_publications/EP20090521.html</id>
   <published>2009-01-01T00:00:00Z</published>
   <updated>2009-01-01T00:00:00Z</updated>
   <summary type="html">This paper presents results that are part of a larger study carried out in five districts of the eastern Indian state of Orissa, where endemic malaria represents one of the most serious public health concerns. One of the Study&apos;s objectives, designed in collaboration with the micro-lender Bharat Integrated Social Welfare Agency, was to evaluate the possibility of using specifically designed consumer loan contracts to increase ownership and retreatment rates for insecticide-treated bednets.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20090521.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://dx.doi.org/10.1257/aer.99.2.231" />
 </entry>
 
 <entry>
   <title type="html">Private Sector Participation and Health System Performance in Sub-Saharan Africa</title>
   <id>http://www.rand.org/pubs/research_briefs/RB9567.html</id>
   <published>2010-12-14T10:00:00Z</published>
   <updated>2010-12-14T10:00:00Z</updated>
   <summary type="html">Researchers analyzed data on child and maternal health care use from 34 sub-Saharan African countries to examine the association between the degree of private sector participation in the health care system and outcomes related to access and equity.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/research_briefs/RB9567.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20100136.html" />
 </entry>
 
 <entry>
   <title type="html">High Prevalence of Wuchereria Bancrofti Infection as Detected By Immunochromatographic Card Testing in Five Districts of Orissa, India, Previously Considered to Be Non-Endemic</title>
   <id>http://www.rand.org/pubs/external_publications/EP20110011.html</id>
   <published>2011-02-01T00:00:00Z</published>
   <updated>2011-02-01T00:00:00Z</updated>
   <summary type="html">Lymphatic filariasis is endemic in districts of India where control programs are not operational.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20110011.html" />
   
 </entry>
 
 <entry>
   <title type="html">Financial Literacy and Economic Security: RAND Research for the Gulf States</title>
   <id>http://www.rand.org/pubs/corporate_pubs/CP561-2009-02.html</id>
   <published>2009-02-27T16:45:00Z</published>
   <updated>2009-02-27T16:45:00Z</updated>
   <summary type="html">Describes ongoing RAND research on financial literacy in the Gulf States region. Financial literacy covers skills and knowledge: managing household finances requires basic mathematics and an understanding of finance providers, products, and services.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/corporate_pubs/CP561-2009-02.html" />
   
 </entry>
 
 <entry>
   <title type="html">Federal Financial and Economic Literacy Education Programs, 2009</title>
   <id>http://www.rand.org/pubs/technical_reports/TR857.html</id>
   <published>2010-05-17T11:03:00Z</published>
   <updated>2010-05-17T11:03:00Z</updated>
   <summary type="html">Inventories an array of federal financial and economic literacy programs, highlighting program similarities and differences and categorizing them by purpose, content, delivery method, target audience, and evaluation method.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/technical_reports/TR857.html" />
   
 </entry>
 
 <entry>
   <title type="html">Five Steps to Planning Success</title>
   <id>http://www.rand.org/pubs/working_papers/WR790.html</id>
   <published>2010-11-12T14:59:00Z</published>
   <updated>2010-11-12T14:59:00Z</updated>
   <summary type="html">Investigates the effectiveness of both videos and narratives in improving people&apos;s understanding of five basic concepts in financial planning.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR790.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/labor/centers/financial-literacy/projects-old.html" />
 </entry>
 
 <entry>
   <title type="html">Catalysts of Entrepreneurship -- Policies for Growth: International Conference on Entrepreneurship</title>
   <id>http://www.rand.org/pubs/conf_proceedings/CF265.html</id>
   <published>2009-11-19T16:24:00Z</published>
   <updated>2009-11-19T16:24:00Z</updated>
   <summary type="html">Presents the proceedings of the first International Conference on Entrepreneurship, which was held at the Indian School of Business on June 5-6, 2009; participants discussed policy issues affecting the growth of entrepreneurship in India.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/conf_proceedings/CF265.html" />
   
 </entry>
 
 <entry>
   <title type="html">Where Do Poor Women in Developing Countries Give Birth?</title>
   <id>http://www.rand.org/pubs/external_publications/EP20110078.html</id>
   <published>2011-02-01T00:00:00Z</published>
   <updated>2011-02-01T00:00:00Z</updated>
   <summary type="html">Since most poor women deliver at home in developing countries, efforts to reduce maternal deaths should prioritize community-based interventions aimed at making home births safer.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20110078.html" />
   
   <link rel="related" type="text/xhtml" hreflang="en" title="Read More" href="http://dx.doi.org/10.1371/journal.pone.0017155" />
 </entry>
 
 <entry>
   <title type="html">Barriers to Immigrant Use of Financial Services</title>
   <id>http://www.rand.org/pubs/working_papers/WR923.html</id>
   <published>2012-03-09T16:00:00Z</published>
   <updated>2012-03-09T16:00:00Z</updated>
   <summary type="html">Investigates barriers to the use of financial services faced by immigrants and designs and evaluates new financial education materials targeted at immigrants.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/working_papers/WR923.html" />
   
 </entry>
 
 <entry>
   <title type="html">New Findings on the Unbanked in America</title>
   <id>http://www.rand.org/pubs/occasional_papers/OP369-1.html</id>
   <published>2012-05-08T12:45:00Z</published>
   <updated>2012-05-08T12:45:00Z</updated>
   <summary type="html">Presents summary data from the American Life Panel on the 2011 banking practices of U.S. household respondents.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/occasional_papers/OP369-1.html" />
   
 </entry>
 
 <entry>
   <title type="html">New Findings on the Unbanked in America</title>
   <id>http://www.rand.org/pubs/occasional_papers/OP369.html</id>
   <published>2012-03-02T07:45:00Z</published>
   <updated>2012-03-02T07:45:00Z</updated>
   <summary type="html">Presents summary data from the American Life Panel on the 2011 banking practices of U.S. household respondents.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/occasional_papers/OP369.html" />
   
 </entry>
 
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