FINSER_31-2_Complete_Issue AFS and FPA members can earn CE credits through Financial Services Review. Go to FPAJournal.org. To receive one hour of continuing education credit allotted for this exam, you must answer four out of five questions correctly. CE credit for this issue of Financial Services Review expires December 31, 2023, subject to any changes dictated by CFP Board. AFS and FPA offer Financial Services Review CE online-only—paper continuing education will not be processed. Go to FPAJournal.org to take current and past CE exams (free to AFS and FPA members). You may use this page for reference. Please allow 2-3 weeks for credit to be processed and reported to CFP Board. 1. In Davis et al., which of the following statements is true based on the article’s findings: (Select one best option) a. Students with high measured financial literacy and low self-assessed financial literacy are the most interested in financial education. b. Students with high measured financial literacy and high self-assessed financial literacy are the most interested in financial education. c. Students with low measured financial literacy and low self-assessed financial literacy are the most interested in financial education. d. Students with low measured financial literacy and high self-assessed financial literacy are the most interested in financial education. 2. Authors Augustin and Martin found this type of exposure to financial literacy has the greatest impact on positive financial behaviors? a. High school exposure b. College exposure c. Seminar exposure d. Work exposure 3. According to the findings in Financial Planning Time Horizon and End-of-life Mortality Expectations, everything else equal, people who have more wealth are more likely to a. Plan their finances relatively longer into the future. b. Not engage in any financial planning. c. Plan with a focus limited to the next six months. d. Rent rather than own their homes. 4. According to the article “The Changing Assessment of Risk for Young Investors”, which of the following are drivers of risk tolerance for Gen Z? a. Willingness to take risk, self-reported investment risk tolerance, and ownership of investment accounts. b. Willingness to take risk and self- reported investment risk tolerance. c. Ownership of investment accounts. d. None of the above. 5. Loan modification options depend on current interest rates and changes in home values. As discussed by McClatchey, a Refinance is most valuable when interest rates have ________ and home values have ________. a. Decreased; increased b. Decreased; decreased c. Increased; increased d. Increased; decreased CE 1-hour general principles of financial planning, risk and insurance planning, and estate planning MANUSCRIPT SUBMISSIONS and STYLE (1) Papers must be in English. (2) Papers for publication should be sent to the Editor: Terrance K. Martin, E-mail: martintk@wssu.edu. Electronic (Email) submission of manuscripts is encouraged, and procedures are discussed below. There is a $100 submission fee payable to the Academy of Financial Services (AFS) for all submissions to FSR. Submission fees should be paid online at academy financial org. If none of the authors is a member of AFS, please complete an online membership application form, which can be downloaded at http://academyfinancial.org. When authors pay the $100 submis- sion fee and are not currently members, they receive their first year of AFS membership at no charge. Submission of a paper will be held to imply that it contains original unpublished work and is not being considered for publication elsewhere. The Editor does not accept responsibility for damage or loss of papers submitted. Upon acceptance of an article, author(s) transfer copyright of the article to the Academy of Financial Services. This transfer will ensure the widest possible dissemination. (3) Submission of papers: Authors should submit their papers electronically as an e-mail attachment to the Editor at smichels@stetson.edu. Please send the paper in Word format. Do not sent PDFs. Ensure that the letter ‘l’ and digit ‘1’, and also the letter ‘O’ and digit ‘0’ are used properly, and format your article (tabs, indents, etc.) consistently. Do not allow your word processor to introduce word breaks and do not use a justified layout. Please adhere strictly to the general instructions below on style, arrangement and, in particular, the reference style of the journal. (4) Manuscripts should be double spaced, with one-inch margins, and printed on one side of the paper only. All pages should be numbered consecutively, starting with the title page. Titles and subtitles should be short. References, tables, and legends for the figures should be printed on separate pages. (5) The first page of the manuscript, the Title Page, must contain the following information: (i) the title; (ii) the name(s), title, institutional affiliation(s), address, telephone number, fax number and e-mail addresses of all the author(s) with a clear indication of which is the corresponding author; (iii) at least one classification code according to the Classification System for Journal Articles as used by the Journal of Economic Literature, which can be found at http://www.aeaweb.org/journal/elclasjn.html; in addition, up to five key words should be supplied. (6) Information on grants received can be given in a footnote on the Title page. (7) The abstract, consisting of no more than 100 words, should appear alone on page 2, titled, Abstract. (8) Footnotes should be kept to a minimum and should only contain material that is not essential to the understanding of the article. As a rule of thumb, have one or less footnote, on average, per two pages of text. (9) Displayed formulae should be numbered consecutively throughout the manuscript as (1), (2), etc. against the right-hand margin of the page. In cases where the derivation of formulae has been abbreviated, it is of great help to the referees if the full derivation can be presented on a separate sheet (not to be published). (10) The Financial Services Review journal (FSR) follows the APA Publication Manual, 6th Edition, style. However, consistent with the current trend followed by other publications in the area of finance, the journal has a very strong preference for articles that are written in the present tense throughout. References to publications should be as follows: “Smith (1992) reports that” or “This problem has been studied previously (Ho, Milevsky, & Robinson, 1999).” The author should make sure that there is a strict one-to-one correspondence between the names and years in the text and those on the reference list. The list of references should appear at the end of the main text (after any appendices, but before tables and legends for figures). It should be double spaced and listed in alphabetical order by author’s name. References should appear as follows: Books: Hawawini, G. & Swary, I. (1990). Mergers and acquisitions in the U.S. banking industry: Evidence from the capital markets. Amsterdam: North Holland. Chapter in a book: Brunner, K. & Meltzer, A. H. (1990). Money supply. In: B. M. Friedman & F. H. Hahn (Eds.), Handbook of monetary economics (Vol. 1, pp. 357-396). Amsterdam: North Holland. Periodicals: Ang, J. S. & Fatemi, A. M. (1997). Personal bankruptcy costs: their relevance and some estimates. Financial Services Review, 6, 77-96. Note that journal titles should not be abbreviated. (11) Illustrations will be reproduced photographically from originals supplied by the author; they will not be redrawn by the pub- lisher. Please provide all illustrations in quadruplicate (one high-contrast original and three photocopies). Care should be taken that lettering and symbols are of a comparable size. The illustrations should not be inserted in the text, and should be marked on the back with figure number, title of paper, and author’s name. All graphs and diagrams should be referred to as figures, and should be numbered consecutively in the text in Arabic numerals. Illustration for papers submitted as electronic manu- scripts should be in traditional form. The journal is not printed in color, so all graphs and illustrations should be in black and white. (12) Tables should be numbered consecutively in the text in Arabic numerals and printed on separate sheets. Any manuscript which does not conform to the above instructions will be returned for the necessary revision before publication. Page proofs will be sent to the corresponding author. Proofs should be corrected carefully; the responsibility for detecting errors lies with the author. Corrections should be restricted to instances in which the proof is at variance with the manuscript. Extensive alterations will be charged. Reprints of your article are available at cost if they are ordered when the proof is returned. FINANCIAL SERVICES REVIEW (ISSN: 1057-0810) Academy of Financial Services Terrance K. Martin College of Arts, Sciences, Business, and Education Winston-Salem State University Reynolds Center, RM 111 601 S. Martin Luther King Jr. Drive Winston-Salem, NC 27110 (Address Service Requested)