Lucy M Delgadillo
Dados Biográficos
| ID | 3816683 |
|---|---|
| NOME | Lucy M Delgadillo |
| PRENOMES | Lucy M |
| SOBRENOME | Delgadillo |
| ASSINATURA | DELGADILLO L M |
| AFILIAÇÕES | Utah State University |
| ORCID | 0000-0002-5148-045X |
| VERIFICADO | Sim |
| TOTAL DE OBRAS | 23 |
| TOTAL DE CITAÇÕES | 37 |
| OBRAS COMO AUTOR | 23 |
| OBRAS COMO EDITOR | 0 |
| PRIMEIRO ANO DE PUBLICAÇÃO | 2000 |
| ANO MAIS RECENTE DE PUBLICAÇÃO | 2025 |
| ÍNDICE H | 3 |
Affective financial learning
This paper presents a qualitative content analysis of college students' responses to three affective learning assignments designed using social learning and constructivism. The participants were college students enrolled in a financial literacy course. The study explores how extrospective social observation and introspective self‐reflection of financial experiences lead to gains in new perspectives. Instead of prescribing actions, teachers encour…
Association between Financial Education, Affective and Cognitive Financial Knowledge, and Financial Behavior
Using data from the 2018 National Financial Capability Study, this articled examined the relationship between financial education participation and affective and cognitive financial knowledge. Involvement in financial education yielded statistically significant associations between affective and cognitive domains. The results showed that participation in financial education was associated with both cognitive and affective financial knowledge as w…
Helping Graduate Students Develop a Research Path
The purpose of this article is to share suggestions for developing a research program or path for incoming or current graduate students. Students should inquire if any research opportunities will be available. The topic of a dissertation should be manageable in size and scope. The topic of a thesis or dissertation could lead to other projects so students should have a genuine interest in the topic. Students should become acquainted with faculty a…
Tips from the Experts on Conducting and Reviewing Qualitative Research
The purpose of this article was to describe the characteristics of qualitative studies, explain the various types of qualitative studies, and indicate which data collection method fits which type of qualitative study. Also, the authors who are all Associate Editors of the Family and Consumer Sciences Research Journal have provided their ideas on conducting reviews of qualitative studies. This article is an extension of the panel that was presente…
From Submission to Acceptance
The purpose of this panel presented at the annual conference of the American Association of Family and Consumer Sciences was to explain how manuscripts are reviewed and the characteristics of successful quantitative and qualitative studies. The Editor presented questions and three Associate Editors of the Family & Consumer Sciences Research Journal were asked to prepare an answer
Quantifying the Impact of Research for Tenure and Promotion in Family and Consumer Sciences
This paper provides an overview of different metrics to quantify the impact of scholarly work in Family and Consumer Sciences, for scholars involved in the tenure and promotion process. Even though each institution will have their set of rules, most professors in university settings are increasingly subjected to monitoring and evaluation of their research outputs. This paper describes several metrics that are valid and reliable including age of t…
Best Practices for Collaboration in Research
The purpose of this article was to explain academic collaboration, to describe typical activities that take place with collaborators, and to discuss some problems that could occur. Although research collaboration is usually rewarding, there can problems in communicating, sharing the workload, and assigning the order of authors in the publication of results. Recommendations to avoid conflict include formal and informal agreements and a good system…
A Case Study Demonstrating the Use of Appreciative Inquiry in a Financial Coaching Program
This article presents a case study of appreciative inquiry applied to client work within the context of a solution‐focused, financial coaching program. Appreciative inquiry (AI) is a process—a generative process—wherein a client envisions, describes, and constructs a new meaning or reality through structured questions and answers, and then designs a way to get there (to their destiny). The origins, tenets, and applications of AI approach are desc…
Financial Coaching and Financial Therapy
The purpose of this conceptual paper is to disentangle differences between financial coaching and financial therapy. While financial coaching and financial therapy share many techniques and approaches, financial therapy is a more inclusive practice. Financial therapy (e.g., financial therapists) has the ability to address dysfunctional money attitudes, as well as money disorders, and covers a wider time spectrum of healing a person's past trauma …
Coaching and Financial Counseling Communication Skills
The goal of this conceptual paper was to identify the principles and communication skills used in coaching psychology and to compare them to the communication strategies used in financial counseling. The paper provides an overview of the theoretical basis for coaching psychology and financial counseling. Then, it presents the most important principles and communication skills and the facilitators’ roles in coaching and financial counseling. Unles…
Perceived Financial Costs and Neighborhood Effect of Foreclosures by Next-Door Neighbors in Usda Rural Areas
Many studies on foreclosures have collected information on individuals or families who experience foreclosure. Other studies have computed actual costs of foreclosure instead of the perception of foreclosure costs. Others have used aggregate data on foreclosed homes, as their unit of analysis. But no single study found has looked at the perceived financial cost and neighborhood effect of a foreclosed home in rural areas, neither have they used th…
Financial Clarity
This conceptual paper discusses the definitions of financial education, financial literacy, financial capability, financial counseling, financial planning, and financial coaching. Financial therapy is mentioned briefly but it will be addressed in a subsequent paper. Because the definitions of these concepts are not universally accepted, the terms are often used interchangeably. Therefore, the goal of the paper is to initiate dialogue about the me…
Housing Cost Burden and Marital Satisfaction
This study assessed the relationship between housing burden ratios and marital satisfaction. We also examined whether economic pressure might mediate this association and whether housing satisfaction would moderate it. Using existing data from the National Survey of Families and Households (n = 5,109 participants), results suggested that participants' housing burden ratio was negatively associated with marital satisfaction. Among homeowners, havi…
Using Input from Realtors to Improve Housing Counseling Programs
Realtors can be described as valuable, nonevaluator stake holders. Realtors can be involved in either motivating the public to become educated about the home buying process or Realtors might be involved in discouraging clients from becoming informed. The framework that guided this research was program evaluation theory. The authors believed that surveying Realtors would provide useful information for improving first‐time home buyer (FTHB) worksho…
Narrative Experiences of Usda Section 502 Direct Loan Borrowers
The government has invested substantial time and money in encouraging homeownership, and, over the last 30 years, in directly encouraging homeownership among lower-income households. Despite these efforts, the impact and satisfaction of the U. S. Department of Agriculture Section 502 Mutual Self Help Housing Loan Program (MSHP) borrowers remains largely unstudied. This study contributes to the existing literature by directly assessing the satisfa…
Establishing a Link Among Subprime Lending, Payday Lending, and Housing Costs
This study identified counties with high shares of payday businesses and high shares of subprime loans. Payday lending establishments, banks, and credit unions were inventoried in every county in Utah. The objective was to empirically analyze a potential link between high shares of payday lending and subprime lending, and between high shares of payday lending and housing cost burden. A statistically significant association was estimated by calcul…
Residential Mortgage Default in Low‐ and High‐Minority Census Tracts
The purpose of this study is to examine housing, demographic, and economic characteristics of the owners in census tracts with high residential mortgage default rates. In addition to these variables, the effect of being a minority is studied. Descriptive statistics and correlations are used to profile the characteristics of the census tracts and to determine which characteristics had statistical significance with mortgage default rate as well as …
Spatial Analysis of Residential Mortgage Default in a Metropolitan County
In this pilot study, research was conducted to explore the application of GIS technology to residential mortgage default. The purpose of this study was to examine the relationship between foreclosure rates and neighborhood characteristics in a metropolitan county in Utah. Neighborhood was defined as a discrete spatial entity that contains households and housing structures with similar characteristics, and is equivalent to a census tract. Regressi…
Concentrations of Subprime Lending Activities, Equity Risk Factors, and Bankruptcy Filings
High levels of bankruptcy filings in Utah along with high concentrations of subprime originated and refinanced mortgage loans raised the question of whether or not these two indicators were related. Aggregate level studies of subprime market activities have suggested the spatial nature of lending, but they have not tested it in relation to bankruptcy filings. Using multivariate analysis it was shown that the aggregated subprime market activity an…
Borrower‐ and Mortgage‐Related Factors Associated With FHA Foreclosures
The study identifies which household factors contribute to the likelihood of foreclosure by responding to the question: What borrower‐related and mortgage‐related factors are correlated with home foreclosure? Data used are from an inventory of active and foreclosed FHAhomes in Utah from the years 2000 to 2001. The sample consisted of 179 cases. The borrower‐related factors included age of borrower, job tenure, self‐employed, race of borrower, fir…
Price of Shelter
This qualitative study identified housing issues affecting low-income, new immigrant Latino families in a recently designated metropolitan county. Researchers conducted focus groups with real estate professionals and interviews with Latino families. It was concluded that the housing challenges facing low-income Latinos in Cache County, Utah, were similar to those issues highlighted in quantitative research results. However, this research provided…
A Model of Factors Correlated to Homeownership
This article examines the relationship between homeownership and socioeconomic, demographic, and market factors in Utah. Units of analyses were census‐designated places. The goal was to provide a model that can be replicated by housing specialists and consumer scientists to gain a better understanding of how homeownership (dependent variable) differs from place to place and how this variation relates to socioeconomic index, population density, af…
Developing Vitality Indices with Housing Variables
The focus of this exploratory study was to develop and test rural community vitality indices that incorporate measures of housing. Specifically, its purposes were (I) to examine the relationships between housing, employment, and demographics with community vitality indices for non-metropolitan counties in Idaho and Utah, and (2) to develop and compare two rural community vitality indices. The two indices were (I) a three-variable index and (2) a …
Helping Graduate Students Develop a Research Path
The purpose of this article is to share suggestions for developing a research program or path for incoming or current graduate students. Students should inquire if any research opportunities will be available. The topic of a dissertation should be manageable in size and scope. The topic of a thesis or dissertation could lead to other projects so students should have a genuine interest in the topic. Students should become acquainted with faculty a…
Tips from the Experts on Conducting and Reviewing Qualitative Research
The purpose of this article was to describe the characteristics of qualitative studies, explain the various types of qualitative studies, and indicate which data collection method fits which type of qualitative study. Also, the authors who are all Associate Editors of the Family and Consumer Sciences Research Journal have provided their ideas on conducting reviews of qualitative studies. This article is an extension of the panel that was presente…
Financial Clarity
This conceptual paper discusses the definitions of financial education, financial literacy, financial capability, financial counseling, financial planning, and financial coaching. Financial therapy is mentioned briefly but it will be addressed in a subsequent paper. Because the definitions of these concepts are not universally accepted, the terms are often used interchangeably. Therefore, the goal of the paper is to initiate dialogue about the me…
Association between Financial Education, Affective and Cognitive Financial Knowledge, and Financial Behavior
Using data from the 2018 National Financial Capability Study, this articled examined the relationship between financial education participation and affective and cognitive financial knowledge. Involvement in financial education yielded statistically significant associations between affective and cognitive domains. The results showed that participation in financial education was associated with both cognitive and affective financial knowledge as w…
Financial Coaching and Financial Therapy
The purpose of this conceptual paper is to disentangle differences between financial coaching and financial therapy. While financial coaching and financial therapy share many techniques and approaches, financial therapy is a more inclusive practice. Financial therapy (e.g., financial therapists) has the ability to address dysfunctional money attitudes, as well as money disorders, and covers a wider time spectrum of healing a person's past trauma …
Coaching and Financial Counseling Communication Skills
The goal of this conceptual paper was to identify the principles and communication skills used in coaching psychology and to compare them to the communication strategies used in financial counseling. The paper provides an overview of the theoretical basis for coaching psychology and financial counseling. Then, it presents the most important principles and communication skills and the facilitators’ roles in coaching and financial counseling. Unles…
Housing Cost Burden and Marital Satisfaction
This study assessed the relationship between housing burden ratios and marital satisfaction. We also examined whether economic pressure might mediate this association and whether housing satisfaction would moderate it. Using existing data from the National Survey of Families and Households (n = 5,109 participants), results suggested that participants' housing burden ratio was negatively associated with marital satisfaction. Among homeowners, havi…
From Submission to Acceptance
The purpose of this panel presented at the annual conference of the American Association of Family and Consumer Sciences was to explain how manuscripts are reviewed and the characteristics of successful quantitative and qualitative studies. The Editor presented questions and three Associate Editors of the Family & Consumer Sciences Research Journal were asked to prepare an answer
Quantifying the Impact of Research for Tenure and Promotion in Family and Consumer Sciences
This paper provides an overview of different metrics to quantify the impact of scholarly work in Family and Consumer Sciences, for scholars involved in the tenure and promotion process. Even though each institution will have their set of rules, most professors in university settings are increasingly subjected to monitoring and evaluation of their research outputs. This paper describes several metrics that are valid and reliable including age of t…
Best Practices for Collaboration in Research
The purpose of this article was to explain academic collaboration, to describe typical activities that take place with collaborators, and to discuss some problems that could occur. Although research collaboration is usually rewarding, there can problems in communicating, sharing the workload, and assigning the order of authors in the publication of results. Recommendations to avoid conflict include formal and informal agreements and a good system…
Residential Mortgage Default in Low‐ and High‐Minority Census Tracts
The purpose of this study is to examine housing, demographic, and economic characteristics of the owners in census tracts with high residential mortgage default rates. In addition to these variables, the effect of being a minority is studied. Descriptive statistics and correlations are used to profile the characteristics of the census tracts and to determine which characteristics had statistical significance with mortgage default rate as well as …
Developing Vitality Indices with Housing Variables
The focus of this exploratory study was to develop and test rural community vitality indices that incorporate measures of housing. Specifically, its purposes were (I) to examine the relationships between housing, employment, and demographics with community vitality indices for non-metropolitan counties in Idaho and Utah, and (2) to develop and compare two rural community vitality indices. The two indices were (I) a three-variable index and (2) a …
A Model of Factors Correlated to Homeownership
This article examines the relationship between homeownership and socioeconomic, demographic, and market factors in Utah. Units of analyses were census‐designated places. The goal was to provide a model that can be replicated by housing specialists and consumer scientists to gain a better understanding of how homeownership (dependent variable) differs from place to place and how this variation relates to socioeconomic index, population density, af…
Price of Shelter
This qualitative study identified housing issues affecting low-income, new immigrant Latino families in a recently designated metropolitan county. Researchers conducted focus groups with real estate professionals and interviews with Latino families. It was concluded that the housing challenges facing low-income Latinos in Cache County, Utah, were similar to those issues highlighted in quantitative research results. However, this research provided…
Spatial Analysis of Residential Mortgage Default in a Metropolitan County
In this pilot study, research was conducted to explore the application of GIS technology to residential mortgage default. The purpose of this study was to examine the relationship between foreclosure rates and neighborhood characteristics in a metropolitan county in Utah. Neighborhood was defined as a discrete spatial entity that contains households and housing structures with similar characteristics, and is equivalent to a census tract. Regressi…
Concentrations of Subprime Lending Activities, Equity Risk Factors, and Bankruptcy Filings
High levels of bankruptcy filings in Utah along with high concentrations of subprime originated and refinanced mortgage loans raised the question of whether or not these two indicators were related. Aggregate level studies of subprime market activities have suggested the spatial nature of lending, but they have not tested it in relation to bankruptcy filings. Using multivariate analysis it was shown that the aggregated subprime market activity an…
Borrower‐ and Mortgage‐Related Factors Associated With FHA Foreclosures
The study identifies which household factors contribute to the likelihood of foreclosure by responding to the question: What borrower‐related and mortgage‐related factors are correlated with home foreclosure? Data used are from an inventory of active and foreclosed FHAhomes in Utah from the years 2000 to 2001. The sample consisted of 179 cases. The borrower‐related factors included age of borrower, job tenure, self‐employed, race of borrower, fir…
Establishing a Link Among Subprime Lending, Payday Lending, and Housing Costs
This study identified counties with high shares of payday businesses and high shares of subprime loans. Payday lending establishments, banks, and credit unions were inventoried in every county in Utah. The objective was to empirically analyze a potential link between high shares of payday lending and subprime lending, and between high shares of payday lending and housing cost burden. A statistically significant association was estimated by calcul…
Residential Mortgage Default in Low‐ and High‐Minority Census Tracts
The purpose of this study is to examine housing, demographic, and economic characteristics of the owners in census tracts with high residential mortgage default rates. In addition to these variables, the effect of being a minority is studied. Descriptive statistics and correlations are used to profile the characteristics of the census tracts and to determine which characteristics had statistical significance with mortgage default rate as well as …
Narrative Experiences of Usda Section 502 Direct Loan Borrowers
The government has invested substantial time and money in encouraging homeownership, and, over the last 30 years, in directly encouraging homeownership among lower-income households. Despite these efforts, the impact and satisfaction of the U. S. Department of Agriculture Section 502 Mutual Self Help Housing Loan Program (MSHP) borrowers remains largely unstudied. This study contributes to the existing literature by directly assessing the satisfa…
Housing Cost Burden and Marital Satisfaction
This study assessed the relationship between housing burden ratios and marital satisfaction. We also examined whether economic pressure might mediate this association and whether housing satisfaction would moderate it. Using existing data from the National Survey of Families and Households (n = 5,109 participants), results suggested that participants' housing burden ratio was negatively associated with marital satisfaction. Among homeowners, havi…
Using Input from Realtors to Improve Housing Counseling Programs
Realtors can be described as valuable, nonevaluator stake holders. Realtors can be involved in either motivating the public to become educated about the home buying process or Realtors might be involved in discouraging clients from becoming informed. The framework that guided this research was program evaluation theory. The authors believed that surveying Realtors would provide useful information for improving first‐time home buyer (FTHB) worksho…
Perceived Financial Costs and Neighborhood Effect of Foreclosures by Next-Door Neighbors in Usda Rural Areas
Many studies on foreclosures have collected information on individuals or families who experience foreclosure. Other studies have computed actual costs of foreclosure instead of the perception of foreclosure costs. Others have used aggregate data on foreclosed homes, as their unit of analysis. But no single study found has looked at the perceived financial cost and neighborhood effect of a foreclosed home in rural areas, neither have they used th…
Financial Clarity
This conceptual paper discusses the definitions of financial education, financial literacy, financial capability, financial counseling, financial planning, and financial coaching. Financial therapy is mentioned briefly but it will be addressed in a subsequent paper. Because the definitions of these concepts are not universally accepted, the terms are often used interchangeably. Therefore, the goal of the paper is to initiate dialogue about the me…
Financial Coaching and Financial Therapy
The purpose of this conceptual paper is to disentangle differences between financial coaching and financial therapy. While financial coaching and financial therapy share many techniques and approaches, financial therapy is a more inclusive practice. Financial therapy (e.g., financial therapists) has the ability to address dysfunctional money attitudes, as well as money disorders, and covers a wider time spectrum of healing a person's past trauma …
Coaching and Financial Counseling Communication Skills
The goal of this conceptual paper was to identify the principles and communication skills used in coaching psychology and to compare them to the communication strategies used in financial counseling. The paper provides an overview of the theoretical basis for coaching psychology and financial counseling. Then, it presents the most important principles and communication skills and the facilitators’ roles in coaching and financial counseling. Unles…
Quantifying the Impact of Research for Tenure and Promotion in Family and Consumer Sciences
This paper provides an overview of different metrics to quantify the impact of scholarly work in Family and Consumer Sciences, for scholars involved in the tenure and promotion process. Even though each institution will have their set of rules, most professors in university settings are increasingly subjected to monitoring and evaluation of their research outputs. This paper describes several metrics that are valid and reliable including age of t…
Best Practices for Collaboration in Research
The purpose of this article was to explain academic collaboration, to describe typical activities that take place with collaborators, and to discuss some problems that could occur. Although research collaboration is usually rewarding, there can problems in communicating, sharing the workload, and assigning the order of authors in the publication of results. Recommendations to avoid conflict include formal and informal agreements and a good system…
A Case Study Demonstrating the Use of Appreciative Inquiry in a Financial Coaching Program
This article presents a case study of appreciative inquiry applied to client work within the context of a solution‐focused, financial coaching program. Appreciative inquiry (AI) is a process—a generative process—wherein a client envisions, describes, and constructs a new meaning or reality through structured questions and answers, and then designs a way to get there (to their destiny). The origins, tenets, and applications of AI approach are desc…
From Submission to Acceptance
The purpose of this panel presented at the annual conference of the American Association of Family and Consumer Sciences was to explain how manuscripts are reviewed and the characteristics of successful quantitative and qualitative studies. The Editor presented questions and three Associate Editors of the Family & Consumer Sciences Research Journal were asked to prepare an answer
Tips from the Experts on Conducting and Reviewing Qualitative Research
The purpose of this article was to describe the characteristics of qualitative studies, explain the various types of qualitative studies, and indicate which data collection method fits which type of qualitative study. Also, the authors who are all Associate Editors of the Family and Consumer Sciences Research Journal have provided their ideas on conducting reviews of qualitative studies. This article is an extension of the panel that was presente…
Helping Graduate Students Develop a Research Path
The purpose of this article is to share suggestions for developing a research program or path for incoming or current graduate students. Students should inquire if any research opportunities will be available. The topic of a dissertation should be manageable in size and scope. The topic of a thesis or dissertation could lead to other projects so students should have a genuine interest in the topic. Students should become acquainted with faculty a…
Association between Financial Education, Affective and Cognitive Financial Knowledge, and Financial Behavior
Using data from the 2018 National Financial Capability Study, this articled examined the relationship between financial education participation and affective and cognitive financial knowledge. Involvement in financial education yielded statistically significant associations between affective and cognitive domains. The results showed that participation in financial education was associated with both cognitive and affective financial knowledge as w…
Affective financial learning
This paper presents a qualitative content analysis of college students' responses to three affective learning assignments designed using social learning and constructivism. The participants were college students enrolled in a financial literacy course. The study explores how extrospective social observation and introspective self‐reflection of financial experiences lead to gains in new perspectives. Instead of prescribing actions, teachers encour…
Business (15 obras) · Housing Market and Economics (12 obras) · Psychology (10 obras) · Sociology (10 obras) · Computer Science (9 obras) · Finance (9 obras) · Political science (9 obras) · Economics (8 obras) · Demographic economics (7 obras) · Urban, Neighborhood, and Segregation Studies (6 obras)