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1.Topics1.Topics

2.Challengi2.Challenging Contextng Context

3.Moderato3.Moderatorsrs

MediatorsMediators

Building Theory in the Real Building Theory in the Real World: Three ApproachesWorld: Three Approaches

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Brian Wansink

JillKlein

DeborahSmall

Dilip Soman

Maura Scott

Savings ProjectSavings Project

TOPICTOPICSS

AnnaMaria LusardiAnnaMaria Lusardi

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Don’t just dream about it…….you can Don’t just dream about it…….you can make it happenmake it happen

I do not know how much I will need

Don’t know where to put $$

Don’t know how to use FlexOnline

Few people like me do it

Obstacles to Opening a Obstacles to Opening a Supplemental Retirement Supplemental Retirement

Account (SRA)Account (SRA)

I can’t afford $$

Too many unexpected expenses

No time now

I do not have a computer

My debt is too expensive

Log ID & PIN are in your packet

More than 60% ofemployees contribute

Easy Solutions to Opening a Easy Solutions to Opening a Supplemental Retirement Supplemental Retirement

Account (SRA)Account (SRA) You can start with only $16 per month

Make an investment selection now. You can

change it at anytime

With the tax benefit you will

save even more

Bring lunch 2/monthCarpool Skip the latte

Start early & your money will grow fast

Computers are available at HR and the library

Use an onlineinvestment calculator

Provided by Annamaria Lusardi, Economics, and Punam Anand Keller, Tuck School of Business, in conjunction with the Retirement Savings Study.

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1. Select a 30 minute time slot right now to complete the online contribution to your Supplemental Retirement Account (SRA) during the next week.

2. 3 minutes. Check to see if you have the following materials: a) worksheet in your benefits packet _√_, and b) the name and social security number of a beneficiary _√_.

3. Select the amount you want to invest for 2007 (minimum: $16/month, maximum: $1,292/ month), even if you don’t know your take-home pay in your first month. If you want, you can change this amount at a later date. This voluntary contribution is tax-deferred, you will not pay taxes on it until you withdraw the funds.

4. 5 minutes. Select a carrier. If you do not select a carrier, Dartmouth will invest the non-voluntary portion of your college funds in a Fidelity Freedom Fund, a fund that automatically changes asset allocation as people age.

5. 5 minutes. Now you are ready to complete your worksheet. Complete the worksheet even though you may be unsure of some options. You can change the options in the future.

6. Take your completed worksheet to a computer that is available for 20 minutes. If you like, you can use the one in the Human Resources office at 7 Lebanon Street, Suite 203.

7. 15-20 minutes. Log on to Flex Online and complete your online SRA registration within the 20 assigned minutes. Be sure to click on the investment company (TIAA-CREF, Fidelity, or Calvert) to complete the application. You need to set up your account – otherwise your savings will not reach the carrier.

We have outlined 7 simple steps to help you complete the We have outlined 7 simple steps to help you complete the application. application.

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TOPICTOPICSS

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Bummer!Bummer!

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ChallengiChallenging ng

ContextContext

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ChallengiChallenging ng

ContextContext

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Deborah SmallDeborah Small

ChallengiChallenging ng

ContextContext

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Jill KleinJill Klein

ModeratoModeratorsrs

MediatorMediatorss

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Bridget Jones is an example of a restrained Bridget Jones is an example of a restrained eater… when she breaks up with her boyfriend eater… when she breaks up with her boyfriend Rebounds to find a very Rebounds to find a very fulfillingfulfilling relationship relationship with TWO men … with TWO men …

Maura ScottMaura Scott

ModeratoModeratorsrs

MediatorMediatorss

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1.1.TopicsTopics

2.2.ChallengiChallengi

ng ng ContextContext

3.3.ModeratoModerato

rsrsMediatorMediator

ss

Building Theory in the Real Building Theory in the Real World: Three ApproachesWorld: Three Approaches

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Low Income Low Income FemalesFemales

Middle-AgeMiddle-AgeLow Income Low Income

Males Males

High Income High Income Females Females

Older LowOlder LowIncome MalesIncome Males

New New MethodsMethods

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Individual DifferencesIndividual Differences

Message FactorsMessage Factors

ContextContext

Attitudes Attitudes IntentionsIntentionsBehaviorBehavior

New New MethodsMethods

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ENABLING BETTER HEALTH & VALUE…One Consumer at a Time

Cross-Cross-DisciplinaDisciplina

ryry

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Aetna Institute for Improving Personal Health

Innovative solutions for employee motivation and engagement

Cross-Cross-DisciplinaDisciplina

ryry

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Mindset Processes Frameworks

EM

PLO

YE

EM

AR

KE

TIN

GCross-Cross-

DisciplinaDisciplinaryry

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WORLD WE ALL WANT CONFERENCE WORLD WE ALL WANT CONFERENCE Sponsored by Halloran Philanthropies Sponsored by Halloran Philanthropies

Villanova University, USA Villanova University, USA

Cross-Cross-DisciplinaDisciplina

ryry

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2009 Advertising and Consumer Psychology Conference 2009 Advertising and Consumer Psychology Conference Leveraging Consumer Psychology for Effective Health CommunicationsLeveraging Consumer Psychology for Effective Health Communications

Ann Arbor, MI, May 28 to 30, 2009Ann Arbor, MI, May 28 to 30, 2009

Cross-Cross-DisciplinaDisciplina

ryry

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Consumer BehaviorConsumer Behavior

Classroom Classroom LeverageLeverage

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Corporate Social ResponsibilityCorporate Social ResponsibilityCase: AstraZeneca, South AfricaCase: AstraZeneca, South Africa

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Classroom Classroom LeverageLeverage

Classroom Classroom LeverageLeverage

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Food and Brand LabFood and Brand Lab

B

Foundation of Integrative Foundation of Integrative ThinkingThinking

26

Classroom Classroom LeverageLeverage

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Thanks!Thanks!