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Latest Rui Yao Stories

2013-10-01 15:32:21

Americans should contribute at higher levels during economic downturn As the oldest of the baby boomers begin to reach retirement age, a large percentage of Americans are thinking more and more about how much money they must save to be able to retire comfortably. Also, more and more employers are changing retirement benefits from defined-benefit plans, which guarantee some level of retirement income, to defined-contribution plans, which require employees to invest on their own for...

Chinese Credit Card Usage Growing Quickly
2012-08-28 14:24:02

Lack of knowledge of credit risks could create future problem In the past two decades, the Chinese economy has undergone many drastic reforms in an effort to compete more effectively on the international market. These reforms included allowing foreign banks to offer credit cards to Chinese citizens. Now, researchers at the University of Missouri have found about 30 percent of Chinese urban households now own at least one credit card and the growth rate of credit card adoption has been an...

2012-01-09 15:15:15

As the U.S. economy continues to lag, many investors remain wary about taking risks with the stock market. Now, researchers at the University of Missouri have concluded that this attitude toward investment risk-taking is influenced by the age of the investor and the economic climate of the time period. Rui Yao, an assistant professor of personal financial planning in the College of Human Environmental Sciences at MU, found that willingness to take financial risks, or “risk...

2011-10-17 22:01:38

Financial education needed to help U.S. economy Bad mortgage loans and rampant consumer debt were two of the primary causes for the recent economic recession in the U.S. Despite a national trend of debt problems, a University of Missouri researcher has found one American population that holds almost no consumer debt outside of typical home mortgages. Rui Yao, an assistant professor of personal financial planning in the College of Human Environmental Sciences at the University of Missouri,...

2011-08-11 22:03:11

Saving motives a major factor in increased household savings With the global economy in a state of unrest, saving money seems to be an obvious strategy for households to protect themselves. But are global households saving enough? Researchers at the University of Missouri have compared savings habits of households from two of the world's most powerful economies: China and the United States. Rui Yao, an assistant professor in the personal financial planning department in the College of Human...

2011-02-22 21:39:30

Chinese Americans play the stock market but don't save enough As the financial crisis continues, researchers have been focusing more attention on how individuals handle finances at home. Rui Yao, personal financial planning professor in the University of Missouri School of Human Environmental Sciences, surveyed the financial health of Chinese American households to gain a better understanding of how this particular group of people manages their personal finances. Yao says Chinese Americans...

2010-09-28 20:36:11

MU study shows positive correlation between risk tolerance and stock market returns As the U.S. economy continues to lag, many investors remain wary about taking risks with the stock market. Now, researchers at MU have concluded that this attitude toward investment risk-taking is more than just a recent trend. Rui Yao, a University of Missouri assistant professor in the Personal Financial Planning department in the College of Human Environmental Sciences, has found that during the past two...

2010-08-04 01:03:31

Survey reveals urban Chinese households maintain high saving rates and are unwilling to utilize credit The Chinese government has made several reforms to its economic policies in recent years. Despite these reforms, a new study shows that Chinese households are not utilizing their credit market to its fullest extent. Rui Yao, a researcher in the department of Personal Financial Planning in the College of Human Environmental Sciences at the University of Missouri, says a recent survey of urban...

2010-05-19 09:18:19

MU Researcher studies affect on marketing strategies Since the Chinese government enacted the one-child policy in 1978 as a form of population control, the average age of Chinese citizens has begun to get older quickly. After recognizing this trend, Rui Yao, a University of Missouri assistant professor in the Personal Financial Planning department of the College of Human Environmental Sciences, studied the self-perceived age of aging Chinese consumers and how those perceptions should affect...


Word of the Day
lunula
  • A small crescent-shaped structure or marking, especially the white area at the base of a fingernail that resembles a half-moon.
This word is a diminutive of the Latin 'luna,' moon.
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