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Many Hispanics say they’re ‘highly disciplined’

Many Hispanics say they're driven to succeed through discipline.

A considerable number of immigrants who come to the U.S. from overseas thrive in the job market, enabling them to send money to their families back home. For those who wonder why, it may be because they learned what kind of discipline is necessary to perform well in the job market while they were going through school.

According to a recent study released by the life insurance company Northwestern Mutual, nearly two thirds – 62 percent – of Hispanic college graduates said they were "disciplined" or "highly disciplined" individuals and they've applied this self-restraint in their financial planning habits.

William Taylor vice president of Northwestern Mutual, noted that even though it's not a surprise, it's encouraging to see that so many people who come to the U.S. for greater opportunity have learned what it takes to succeed.

"It is great to see that many Hispanics have the financial habits instilled to ensure a stable future for themselves and their families," said Taylor.

Young Hispanics more inclined to describe themselves as disciplined than older generation
Not everyone has been able to apply these strict forms of financial handling, though, he noted. For example, the study found that while three in every four young adults considered themselves to be "disciplined" or "highly disciplined," the same could not be said for older individuals of Hispanic heritage. Just 44 percent of college-educated Hispanics 55 years old or older said they considered themselves to be more informal in their financial preparations. There was also a sizable difference among women compared to Hispanic men between 18 and 34 years old.

"While the results of the study illustrate that many are on the right track, it also highlights an opportunity to educate those who are taking a more casual approach to financial planning, namely, older Hispanics and Hispanic women, to help them get to – and through – retirement," said Taylor.

Marriage may play a role
The survey also looked at how other life factors may influence financial discipline. Whether respondents were married appeared to play a role, as 67 percent of college-educated Hispanics who had a spouse said they had a financial plan in place. This contrasted sharply with the 46 percent of college-educated Hispanics who had no marital commitments.

The extent of respondents' educational pursuits may have had an influence as well. The Northwestern Mutual survey revealed that nearly eight in every 10 Hispanics who had a Master's in Business Administration described themselves as being disciplined with their financial habits.

Most Americans average regarding money matters
According to a Financial Literacy Survey conducted by Bankrate.com, approximately 70 percent of Americans consider themselves to be "good" or "excellent" at money matters and handling their finances. However, when the consumer financial services firm tested these respondents' abilities, few scored higher than a "C," which is average.

Helpful links:

Bankrate.com – "12 Steps to Good Money Management"

Read more from Xoom Envios
353 Comments
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  20. Sep 26 2013

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I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!|Today, while I was at work, my sister stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!|I was wondering if you ever thought of changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 images. Maybe you could space it out better?|Hi, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you reduce it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any assistance is very much appreciated.|This design is wicked! You certainly know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Great job. I really loved what you had to say, and more than that, how you presented it. Too cool!|I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a developer to create your theme? Fantastic work!|Hey! I could have sworn I’ve been to this blog before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely glad I found it and I’ll be bookmarking and checking back frequently!|Good day! Would you mind if I share your blog with my twitter group? There’s a lot of folks that I think would really appreciate your content. Please let me know. Thanks|Hey, I think your website might be having browser compatibility issues. When I look at your blog site in Opera, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, very good blog!|Sweet blog! I found it while searching on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thank you|Hi! This is kind of off topic but I need some help from an established blog. Is it very hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any ideas or suggestions? Thanks|Hi there! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My site looks weird when viewing from my iphone. I’m trying to find a theme or plugin that might be able to correct this issue. If you have any suggestions, please share. Cheers!|I’m not that much of a internet reader to be honest but your sites really nice, keep it up! I’ll go ahead and bookmark your site to come back later on. All the best|I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz answer back as I’m looking to create my own blog and would like to know where u got this from. cheers|Whoa! This blog looks exactly like my old one! It’s on a entirely different topic but it has pretty much the same layout and design. Outstanding choice of colors!|Hi just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same results.|Whats up are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any coding knowledge to make your own blog? Any help would be greatly appreciated!|Hi this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be greatly appreciated!|Heya! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no backup. Do you have any solutions to stop hackers?|Howdy! Do you use Twitter? I’d like to follow you if that would be ok. I’m undoubtedly enjoying your blog and look forward to new posts.|Hey! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?|Good day! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good success. If you know of any please share. Kudos!|I know this if off topic but I’m looking into starting my own weblog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Appreciate it|Hmm is anyone else having problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feedback would be greatly appreciated.|I’m not sure exactly why but this site is loading extremely slow for me. Is anyone else having this issue or is it a problem on my end? 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  21. Sep 26 2013

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  22. Sep 26 2013

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You have done a outstanding job!|Hello! I know this is kind of off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at alternatives for another platform. I would be awesome if you could point me in the direction of a good platform.|Hello! This post couldn’t be written any better! Reading this post reminds me of my good old room mate! He always kept chatting about this. I will forward this article to him. Pretty sure he will have a good read. Thanks for sharing!|Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your site when you could be giving us something enlightening to read?|Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!|The other day, while I was at work, my cousin stole my iphone and tested to see if it can survive a thirty foot drop, just so she can be a youtube sensation. My apple ipad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!|I was curious if you ever thought of changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?|Howdy, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you prevent it, any plugin or anything you can suggest? I get so much lately it’s driving me insane so any help is very much appreciated.|This design is spectacular! You most certainly know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Wonderful job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!|I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Exceptional work!|Howdy! I could have sworn I’ve been to this blog before but after reading through some of the post I realized it’s new to me. Anyways, I’m definitely delighted I found it and I’ll be bookmarking and checking back frequently!|Howdy! Would you mind if I share your blog with my myspace group? There’s a lot of people that I think would really appreciate your content. Please let me know. Thank you|Hello, I think your website might be having browser compatibility issues. When I look at your website in Ie, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, great blog!|Sweet blog! I found it while browsing on Yahoo News. Do you have any tips on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thank you|Hello there! This is kind of off topic but I need some help from an established blog. Is it difficult to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about making my own but I’m not sure where to begin. 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