• 대한가정학회지
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• 제28권3호
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• pp.87-103
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• 1990

The purpose of this study is to provide basis data to understand the urban housewives' assets management behavior. The result can be summarized as follows: 1. The more urban housewives were educated, the more they were satisfied with methods of assets management. So it turned out that the educational improvement of husbands and wives brought forth the satisfaction of their lives. From this result, we can conclude that more improved education is essential to us. 2. Specifically, age is an important factor of the reasons of assets management. Among housewives below 40 years old. the preparation for purchasing durable goods and more leisure was the main reason for assets management. Among housewives from 40 to 50, the preparation for expenditures of education and marriage of their children was the main reason. Among housewives above 50, the preparation for their retirement was the main reason. As results, we can notice that they don't make a long-range plan positively but they usually prepare expenditures for their seasonable needs. So we have to emphasize on educating them to make a long-range plan.

• 가족자원경영과 정책
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• 제16권2호
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• pp.123-143
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• 2012

This study, based on a health belief model, examines how baby boomers perceive health and how they are financially preparing for future medical expenses. In addition, the study analyzes which factors influence baby boomers' preparation behaviors for future medical expenses and their perceived sufficiency of the preparation for medical expenses. Through such activities, this study examines baby boomers' current preparation status for future medical expenses, and based on this outcome, will turn the attention of individuals and society toward becoming more concerned with health and increasing health expectancy. For this study, an online survey was conducted targeted at men and women who were born between 1955 and 1963 and live nationwide, and its resultant data were collected. After conducting a 15-day survey in November 2011, a total of 418 questionnaire responses were used for the final analysis. The major findings of this study and their implications are as follows: First, baby boomers' health beliefs and their perceptions of health identified by subjective health conditions were very positive. Second, while there were some partial differences in the influencing factors, health beliefs and perceived health influenced the sufficiency of future medical expenses in the three groups, which were segmented according to how they prepare for future medical expenses-insurance-based, pension-based, and insufficiently prepared groups. Third, the baby boomers selected the national health insurance as the primary means of preparing for post-retirement medical expenses, and backed it up with private health insurance or the national pension. In addition, when baby boomers' perceived sufficiency of future medical expenses were examined, 57.6% of the respondents expressed that their old-age medical expenses were not sufficient. Fourth, in terms of baby boomers' preparation behaviors for future medical expenses, it was revealed that as one recognizes old-age health more seriously, he/she has a higher chance of using insurance and lower chance of using a pension to prepare for medical expenses. Fifth, regarding baby boomers' sufficiency of preparations for future medical expenses, economic factors such as total assets, the sufficiency of retirement assets, and the number of insurance policies, as well as health perceptions, including health beliefs and subjective health conditions, were important influencing factors.

• 한국지역사회생활과학회지
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• 제20권2호
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• pp.275-289
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• 2009

The purpose of this study is to examine the middle aged's perception of aging and the degree of physical/financial/social preparation for later life and to explore the effect of the middle aged's perception of aging, who live in Gwangju & Jeonnam of Korea, on physical/financial/social preparation for later life. This research also explores gender differences in perception of aging, preparation for later life and related factors. For the purpose, the survey data was gathered from 424 middle aged (40's & 50's) citizens who live in Gwangju and Jeonnam, using structured questionnaire. The statistical methods used for data analysis are descriptive statistics, cross tables, t-test, correlations and regression with Spss/win 17.0 program. The major findings of this study are as follows: Most of the respondents perceive that the age of being aged is 65 or 70 years old. Respondents feel anxiety about health (84%), finance (57%) and roleless role (22%) of later life. Female group feel health anxiety more than male group. Many people perceive that social preparation for later life is better than financial preparation and physical preparation for later life. The result shows that female group perceives their physical preparation level more positively than male group generally. But, there were no differences in financial and social preparation between gender groups. Finally, the result shows the meaningful relationships between male group's perception of aging and financial preparation for later life. Monthly income is the most important variable predicting preparation for later life.

• 한국콘텐츠학회논문지
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• 제13권10호
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• pp.302-312
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• 2013

본 연구는 필리핀 교민 중 베이비부머의 노후준비가 성공적 노후에 미치는 영향을 알아보기 위해 필리핀 마닐라에 거주하는 베이비부머(1955-1963년생)을 대상으로 2011년 6월 1일부터 8월 15일까지 이루어졌으며, 배포된 총 150부 중 105부를 SPSS 18.0프로그램을 이용하여 분석하였다. 본 연구는 해외 교민들의 노후 준비 실태 파악을 통해 해외 교민의 노후 정책을 수립하는데 기초자료를 제공하는데 목적을 두고 연구하였다. 연구결과 연구 대상자들은 경제적 노후준비 수준이 상대적으로 가장 높았으며, 신체적 노후준비, 정서적 노후준비는 비슷한 수준으로 나타났다. 성공적 노후를 위해서 정서적 준비가 경제적, 신체적 준비에 비해 중요도 및 예측에 있어서 상대적인 영향력이 매우 큰 것으로 나타났으며 해외 교민의 노후에 대한 사회 복지적 정책을 수립하기 위해 정서적 프로그램의 개발이 필요하다.

• International journal of advanced smart convergence
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• 제10권3호
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• pp.113-121
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• 2021

This study was conducted on 1,174 retirees in their 50s and 60s nationwide using the 7th data of the National Pension Service's National Elderly Security Panel Survey. We were able to confirm the following results through the SPSS WIN 18.0 program.. First, men showed a higher level of education than women. From these results, it is expected that men will be better prepared for retirement. Second, men had spouses and two or more household members than women. According to previous studies showing that men are better prepared for retirement if they have a spouse, it is expected that men are better prepared for retirement. Second, 38% of men and 62% of women were voluntary retirees. Third, both men and women responded that their own and spouses should play the main role in preparing for retirement. Fourth, both men and women had very low rates of preparation for old age, economic independence, and public and private pensions. Among them, women were lower than men. Fifth, economic problem solving, health, and medical care were the priority as parts to be done for retirement in oneself and society. Based on these results, the directions for preparing retirees for retirement are as follows. First, education on wage peak system, retirement age extension and financial management for involuntary retirees is required, and guidance and management methods on health care and disease should be provided to address needs for health and health care. Women had more voluntary retirees than men, and they need to know why. Second, when both men and women are very poor at preparing for retirement, there should be job creation measures to ensure that they and their spouses are fully prepared for retirement.

• 디지털융복합연구
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• 제17권11호
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• pp.315-325
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• 2019

본 연구는 중년직장인 대상으로 건강상태, 노후준비가 노화불안에 미치는 영향에 대한 구조모형을 검증하고자 시도되었다. 연구대상은 C시와 G시에 소재하는 기관 3개소에 근무하는 40~59세 중년 직장인 263명을 대상으로 설문지를 이용하여 자료를 수집하였다. 연구결과 첫째, 노화불안에 영향을 미치는 변수들의 직접효과는 노후준비가 가장 큰 요인으로 나타났으며, 그 다음 건강상태 순으로 나타났고 이들 변인들은 노화불안 정도를 52% 설명하였다. 둘째, 건강상태가 노후준비에 유의한 영향을 미쳤으며, 노후준비를 통한 노화불안에 유의한 간접효과가 있는 것으로 나타났다. 40~49세와 50~59세 직장인 집단을 조절변수로 하는 다중집단 조절효과에서 건강상태와 노화불안의 경로계수가 집단간 차이가 있어 부분조절효과가 있었다. 따라서 노화불안을 줄이기 위해서는 다양한 노후준비에 대한 방안모색이 중요하며, 신체적, 정신적 건강상태를 잘 유지할 수 있는 체계적인 관리 시스템이 필요하다고 사료된다.

• 한국산학기술학회논문지
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• 제16권10호
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• pp.6618-6626
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• 2015

본 연구는 중고령 여성의 경제적 노후준비에 영향을 미치는 요인을 파악하기 위한 목적으로 이루어졌다. 이를 위하여 국민연금연구원의 국민노후보장패널 4차 데이터 활용하여 분석을 실시하였다. 먼저 경제적 노후준비에 따른 중고령 여성의 노후생활에 대한 특성을 살펴보았으며, 경제적 노후준비에 영향을 미치는 요인을 분석하였다. 연구결과 중고령 여성의 경제적 노후준비에 영향을 미치는 요인으로는 교육수준, 건강상태, 청소년기 자녀 수, 청년기 자녀 수, 공적연금 가입, 금융자산, 부채가 나타났다. 이러한 연구결과를 바탕으로 중고령 여성의 경제적 노후준비에 대한 논의 및 제언이 이루어졌다.

• 대한가정학회지
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• 제34권2호
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• pp.117-128
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• 1996

The purpose of reasearch is to study the teenagers' attitude of supporting their to predict the changed pattern and the possible evolution of family relationship, provide schools and the society with meaningful information for education policy and to propose an appropriate life style for the eldery parents. As an investigative method, questionaies were used to 600 people including students in schools located in Suwon, Kyongki-Do. All the data were processed with the Satistical Analysis System (SAS). The results of this study can be summarized as follows : 1. Teenagers' living with their grandparents said that get much help from their grandparents 2. The teenagers' consciousness of supporting their parents when they grow old varied according to sex : i.e. male students said that children should bear the cost of supporting their old parents. 3. The more educated, the more accepting of their future life in the homes for the aged. 4. A low level of expectations for children's support in that many parents believed that the responsibility for support lies in the parents themselves.

• 한국주거학회:학술대회논문집
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• 한국주거학회 2011년도 춘계학술발표대회 논문집
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• pp.290-295
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• 2011

The purpose of this paper was to study on the attitudes about Reverse-Mortgage among Baby Boomers to offer the basis for revitalization of Reverse-Mortgage. Social survey research using a questionnaire was conducted among the babyboomer's living in Seoul area from September $30^{th}$ to October $14^{th}$. The data from 102 respondents were analyzed using SPSS PASW 18.0. The main findings were as followings 1) although 64% of the respondents prefered to type which could withdraw temporary cash, but main factor that affected the use was a stability in one's old age 2) 72% of respondents thought adequate age for application was over 66. So lowering the qualification of age looked not need for revitalization 3) babyboomer's said that they would use reverse-mortgage if they couldn't get benefit from other pension inspite of getting lower recognition on house inheritance. It was be cause they regarded Reverse-Mortgage as a final step. In conclusion, current qualification and limit for withdraw looks adequate but it need public relations about its merit unlike other pension. And it has to emphasize its stability so that baby boomer can feel easy from holding a mortgage on their house.

• 산업진흥연구
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• 제6권1호
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• pp.43-53
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• 2021

이 연구는 서울과 수도권에 근무 중인 40~50대의 중년직장인을 대상으로 중년직장인이 인지하는 퇴직에 대한 태도가 퇴직준비와 직무만족도에 유의미한 영향을 미치는지를 검증하는 연구이다. 서울과 수도권에 400부의 설문지를 배포한 것 중 회수된 362부를 연구에 사용하였다. 두 개의 가설을 세워 가설검증을 진행하였고, 그 결과 중년직장인의 퇴직태도 중 강요된 좌절은 퇴직준비의 재정과 가족에만 유의미한 부(-)적 영향을 미치는 것으로 나타났고, 새로운 출발은 퇴직준비의 모든 하위변인(재정, 가족, 건강, 여가와 봉사)에 유의미한 정(+)적 영향을 미치는 것으로 나타났다. 두 번째 가설인 직무만족도의 영향에선 퇴직태도의 노년휴식과 새로운 출발이 직무만족도에 유의미한 정(+)적 영향을 미치는 것으로 나타났다. 이 결과로 퇴직을 강요된 좌절이라고 인지할수록 재정과 가족에 대한 퇴직준비가 낮았고, 퇴직을 새로운 출발로 인지할수록 퇴직준비의 모든 항목이 높게 나타났다. 또한 퇴직을 노년의 휴식과 새로운 출발이라고 인지할수록 직무만족도 역시 높게 나타났다. 이로써 퇴직을 앞둔 중년직장인들의 퇴직에 대한 태도가 퇴직준비와 직무만족도에 유의미한 영향을 미친다는 것을 알 수 있다.