References
- ASIC. (2011) Report 229 National financial literacy strategy, March, (http://download.asic.gov.au/media/1343576/rep229-national-financial-literacy-strategy.pdf)
- ANZ. (2003) ANZ Survey of Adult financial literacy in Australia. Melbourne, The social research centre, retrieved from (http://www.financialliteracy.gov.au/media/465156/anz-survey-of-adult-financial-literacy-2003.pdf)
- ANZ. (2005) ANZ Survey of Adult financial literacy in Australia. Melbourne, The social research centre, retrieved from (http://www.financialliteracy.gov.au/media/465174/anz-survey-of-financial-literacy-in-australia-nov-2005.pdf)
- ANZ. (2008) ANZ Survey of Adult financial literacy in Australia, The social research centre, Melbourne, retrieved from (http://www.anz.com/documents/au/aboutanz/an_5654_adult_fin_lit_ report_08_web_report_full.pdf)
- ANZ. (2011) ANZ Survey of Adult financial literacy in Australia, The social research centre, Melbourne, retrieved from (http://www.financialliteracy.gov.au/media/465153/2011-adult-financial-literacy-full.pdf.pdf)
- ANZ. (2015) ANZ Survey of Adult Financial Literacy in Australia, The social research centre, Melbourne, retrieved from (https://www.anz.com/resources/5/4/54720a2d-a540-49f0-b0a7-62f1ffb922e6/adult-financial-literacy-survey-summary.pdf?MOD=AJPERES)
- Bambrick, M. (Assistant Commissioner Superannuation) (2014) Media Release: ‘Update from the ATO on recent compliance activity, areas of concern with SMSFs and ATO’s future priorities’, Australian Taxation Office, Canberra.
- Brimble, M.A. and Blue, L. (2015) ‘A holistic approach to financial literacy education,’ Journal of Finance and Risk Perspectives, 4:3, pp. 34–47.
- Capuano, A. and Ramsay, I. (2011) What causes suboptimal financial behaviour? An exploration of financial literacy, social influences and behavioural economics, Research report, The University of Melbourne.
- Deposit Power/Real Estate Institute of Australia. (2007) Home Loan Affordability Report, (available at https://reia.asn.au).
- Feinman, J. M. (2010) ‘Delay, Deny, Defend: why insurance companies don’t pay claims and what you can do about it,’ Penguin Group.
- Gerrans, P., Clark-Murphy, M. and Truscott, K. (2009) ‘Financial literacy and superannuation awareness of indigenous Australians: Pilot study results’, Journal of Social Issues, 44:4, pp. 417–439.
- Guest, K. and Wilke, E. (2012) Australian Master Financial Planning Guide, 15th Edition, CCH Australia Limited.
- Hogarth, J.M. (2002) ‘Financial literacy and family and consumer sciences’, Journal of Family and Consumer Sciences, 94, pp. 15–28.
- IFSA. (Investment and Financial Services Association, now Financial Services Council) (2005) Investigating the issue of underinsurance in Australia, Research conducted by TNS, Media release by IFSA.
- IFSA. (Investment and Financial Services Association, now Financial Services Council) (2010) First-time ever figures: over one in five working age parents will die, become seriously ill or injured, new research shows, Research conducted by National Centre for Social and Economic Modelling (NATSEM) at the University of Canberra for Lifewise and media release by IFSA.
- Insurance Council of Australia (2013) ‘The Understand Insurance Research Report’, October, http://underinsurance.com.au/assets/pdf/FINAL%20Understand%20Insurance%20Research%20Report.pdf (accessed April 2016)
- Kahneman, D. (2003) ‘A perspective on Judgement and Choice: Mapping Bounded Rationality’, American Psychologist, 58, pp. 697–720.
- Kahneman, D. and Tversky, A. (1979) ‘Prospect theory: an analysis of decision under risk’, Econometrica, 47, pp. 263–291.
- Kahneman, D. and Tversky, A. (1984) ‘Choice, Values and Frames’, American Psychologist, 39:4, pp. 341–350.
- Kelly and Vu (2010) ‘The economic cost of underinsurance for a typical family’, Journal of Financial Advice, 3:3, pp. 1–5.
- Kunreuther, H. (1978) Disaster Insurance Protection: Public Policy Lessons, Wiley Interscience, Hoboken, N.J.
- Laury, S. and McInnes, M. (2003) ‘The impact of insurance prices on decision making biases: An experimental analysis’, Journal of Risk and Insurance, 70, pp. 219–233.
- Laury, S. McInnes, M. and Swarthout, J. (2009) Insurance decision for low probability losses, Springer Science + Business Media, LLC.
- Lifewise (2012) Underinsurance, a problem in Australia? Accessed 25/02/2013 from Lifewise website, at http://www.lifewise.org.au/about/underinsurance-a-problem-in-australia
- Lindley, D.V. (1985) Making Decisions 2nd edition, John Wiley and Sons.
- Lynch, G. (not dated) Sampling, University of Kent. http://www.kent.ac.uk/religionmethods/documents/Sampling.pdf (accessed March 2016).
- Mandell, L. (1998) Our vulnerable youth: the financial literacy of American 12th graders, Washington: Jumpstart Coalition for Personal Financial Literacy, available at http://www.jumpstart.org/assets/files/2008SurveyBook.pdf
- Mandell. L. (2008) The Impact of Financial Education in High School and College on Financial Literacy and Subsequent Financial Decision Making, available at https://www.afcpe.org/assets/pdf/lewis_mandell_linda_schmid_klein.pdf
- Maxwell. J.A. (1996) Qualitative research design: An interactive approach, Sage, Thousand oaks, CA.
- McDaniel, L., Martin, R. and Maines, L. (2002) ‘Evaluating Financial Reporting Quality: The Effects of Financial Expertise vs. Financial Literacy’, The Accounting Review, 77, pp. 139–167.
- Mitchel, J. and Holzworth, R. (2005) Behavioural Economics Literature Review and Implications for Financial Services, LIMRA International Inc.
- Pulis, M. (2010) How can the industry simplify life insurance to make life insurance more attractive to consumers?, IFSA / Deloitte Future Leaders Award. Webpage accessed 27 of May 2013: http://test.fsc.org.au/downloads/file/aboutus/MelaniePulis-StGeorge.pdf
- Rice Warner Actuaries (2015) Underinsurance in Australia 2015, http://ricewarner.com/australias-relentless-underinsurance-gap/ (accessed August 2016).
- Schagen, S. (1997) The Evaluation of NatWest Face 2 Face with Finance, NFER.
- Schagen, S. and Lines, A. (1996) Financial Literacy in Adult Life: A Report to the NatWest Group Charitable Trust, National Foundation for Educational Research, Slough, Berkshire.
- Scriven, D. (2008) Guide to Life Risk protection and Planning, CCH Australia Limited.
- Shanteau, J. (1992) ‘Decision Making Under Risk: Applications to Insurance Purchasing’, in Sherry, J.F. and Sternthal, B. (Eds.) Advances in Consumer Research, Association for Consumer Research, Chicago.
- Simon, H. A. (1955) ‘A behavioural model of rational choice’, Quarterly Journal of Economics, 69, pp. 99–118.
- Teddlie, C. and Yu, F. (2007) Mixed Methods Sampling: A Typology With Examples, Baton Rouge, Louisiana State University.
- Trevelyan, R. (2008) Optimism, overconfidence and entrepreneurial activity, School of Organisation and Management, Australian School of Business, Sydney, Australia.
- Tversky, A. and Kahneman, D. (1986) ‘Rational Choice and the Framing of Decisions’ Source’, The Journal of Business, 59:4, pp. S251–S278.
- Tversky, A. and Kahneman, D. (1991) ‘Loss aversion in riskless choice: a reference-dependent model’, The Quarterly Journal of Economics, 106, pp. 1039–1061.
- Tversky, A. and Kahneman, D. (1992) ‘Advances in prospect theory: Cumulative representation of uncertainty’, Journal of Risk and Uncertainty, 5, pp. 297–323.
- Wagland, S. P. and Taylor, S. (2009) ‘When it comes to financial literacy, is gender really an issue?’, Australasian Accounting Business and Finance Journal, 3:1, pp. 13–24.
- Walliman, N. (2011) Research methods: the basics, Routledge.
- Worthington, A.C. (2006) ‘Predicting financial literacy in Australia’, Financial Services Review, 15:1, pp. 59–79.
- Worthington, A.C. (2008) ‘Knowledge and Perceptions of Superannuation in Australia’, Journal of Consumer Policy, 31, pp. 349–368.