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We also propose that overestimating one's credit rating may negatively affect responsible financial decision making.
H2: There is negative relationship between overestimating one's credit rating and financial knowledge.
H3: There is a negative relationship between overestimating one's credit rating and formal financial education.
We also examine the effects of overestimating one's credit rating on behavioral outcomes.
Portland, Oregon has studied the effects of overestimating emissions and realized the benefits of critically evaluating its emission estimates.
Now the dwarves were overestimating how much they were going to spend because their projections were bound to get cut back.
Now scientists believe this could be down to an evolutionary trait, which tricks men into overestimating the value of their looks to prevent them from missing a mating opportunity.
When the forecasts are separated into those made in the current year and those made in the previous year, it can be seen that the overly optimistic GDP forecasts were due primarily to overestimating GDP growth in the forecasts made the previous year (see Diagrams 15 and 16).