Gender Differences in Financial Literacy: Empowering Women. Annamaria Lusardi presentation at “The Partnering to Turn Financial Literacy into Action” FCAC & OECD conference in Toronto, on May 28, 2011.
This document provides tips and guidance for beginner stock market investors. It discusses establishing long-term goals, understanding your risk tolerance, controlling your emotions, and handling the basics of investing before making your first purchase. The key tips are to set long-term goals for your investing, understand your personal risk tolerance, avoid making emotional decisions, and learn basic financial concepts and terms before investing. Diversifying your investments and starting early are also emphasized as important strategies.
Sony Corporation is a Japanese multinational conglomerate corporation headquartered in Tokyo, Japan. The document summarizes short term and long term stock data for Sony from October 21, 2013 to November 15, 2013 and from 2000 to 2013. In the short term, Sony's stock price dropped from $10,017.12 to $9,416.50 over four weeks, representing a loss of $584. In the long term, Sony's stock price tumbled almost 80% over 10 years from 2000 to 2013, decreasing in value by about $600 per year.
Financial Literacy Competencies - the efinlit projectAnabela Mesquita
The document discusses financial literacy in Portugal and presents the results of a state of the art and gap analysis. It describes a project called eFinLit that aims to improve EU citizens' financial competencies through online and digital learning. The project involves partners from several European countries and seeks to develop an online curriculum and platform with 8 modules on topics like basic math, budgeting, and investing. A survey of 392 adults across several European nations was conducted to assess needs and evaluate current approaches to financial education.
A three-year growth strategy for a financial literacy program created for ACCESS Development Services\' Sakh se Vikas livelihoods project. ACCESS has organized ginger farmers into a producer company, yet the farmers require numeracy training to eventually manage this venture.
Financial education teaches consumers to improve their understanding of financial concepts, products, and risks. It aims to make people more aware of financial opportunities and challenges so they can make informed choices and seek help managing their finances. Investment decisions involve weighing risk versus return - the possibility of loss versus potential gain. Greater risk usually means greater potential return. While stocks represent ownership in a company, bonds are a form of loan to a company or government. Different financial instruments available to consumers for saving, investing, and borrowing include savings accounts, CDs, mutual funds, interest rates, personal loans, mortgages, and revolving credit.
The document describes the Out Of The Box Youth Financial Literacy Program, which provides financial education to at-risk teens. The program partners with schools, non-profits, and corporations. It uses a curriculum based on 12 principles to teach teens banking, budgeting, investing, and entrepreneurship skills over multiple workshops. Students who complete the program open savings and investment accounts and participate in alumni career counseling programs. The program has expanded to several cities and seen increased financial literacy among participating students.
Do your employees understand how their everyday actions impact the bottom line of the company?
Improving Financial Literacy is a top priority in today's economy.
This is a game-based management development program that can assist with this critical need.
Financial Literacy for Teens and Students Experian_US
Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and YouTube. This week, we discussed Financial Literacy for Teens and Students. Our #CreditChat panel included Steve & Annette Economides – New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Laura Levine – President of the Jump$tart Coalition: Financial Smarts for Students, Brian Page - Budget Challenge Outreach and Education, Manager and Debbi King- Personal Finance and Life Coach and Owner of ABC’s of Personal Finance. We were also joined by several influencers in the personal finance community on Twitter. This deck features tips from: @FinEdChat, @WealthwithMina, @mymoneycoach_ca, @RAHomes, @FamZoo, @LeslieHTayneEsq, @ncl_tweets, @NextGenPF, @b__wil, @christaylor_nyc, @ACCC_helps, @TraeRetailMeNot, @PiggieBanker, @MiriamSCross and @emergebenefit
This document provides tips and guidance for beginner stock market investors. It discusses establishing long-term goals, understanding your risk tolerance, controlling your emotions, and handling the basics of investing before making your first purchase. The key tips are to set long-term goals for your investing, understand your personal risk tolerance, avoid making emotional decisions, and learn basic financial concepts and terms before investing. Diversifying your investments and starting early are also emphasized as important strategies.
Sony Corporation is a Japanese multinational conglomerate corporation headquartered in Tokyo, Japan. The document summarizes short term and long term stock data for Sony from October 21, 2013 to November 15, 2013 and from 2000 to 2013. In the short term, Sony's stock price dropped from $10,017.12 to $9,416.50 over four weeks, representing a loss of $584. In the long term, Sony's stock price tumbled almost 80% over 10 years from 2000 to 2013, decreasing in value by about $600 per year.
Financial Literacy Competencies - the efinlit projectAnabela Mesquita
The document discusses financial literacy in Portugal and presents the results of a state of the art and gap analysis. It describes a project called eFinLit that aims to improve EU citizens' financial competencies through online and digital learning. The project involves partners from several European countries and seeks to develop an online curriculum and platform with 8 modules on topics like basic math, budgeting, and investing. A survey of 392 adults across several European nations was conducted to assess needs and evaluate current approaches to financial education.
A three-year growth strategy for a financial literacy program created for ACCESS Development Services\' Sakh se Vikas livelihoods project. ACCESS has organized ginger farmers into a producer company, yet the farmers require numeracy training to eventually manage this venture.
Financial education teaches consumers to improve their understanding of financial concepts, products, and risks. It aims to make people more aware of financial opportunities and challenges so they can make informed choices and seek help managing their finances. Investment decisions involve weighing risk versus return - the possibility of loss versus potential gain. Greater risk usually means greater potential return. While stocks represent ownership in a company, bonds are a form of loan to a company or government. Different financial instruments available to consumers for saving, investing, and borrowing include savings accounts, CDs, mutual funds, interest rates, personal loans, mortgages, and revolving credit.
The document describes the Out Of The Box Youth Financial Literacy Program, which provides financial education to at-risk teens. The program partners with schools, non-profits, and corporations. It uses a curriculum based on 12 principles to teach teens banking, budgeting, investing, and entrepreneurship skills over multiple workshops. Students who complete the program open savings and investment accounts and participate in alumni career counseling programs. The program has expanded to several cities and seen increased financial literacy among participating students.
Do your employees understand how their everyday actions impact the bottom line of the company?
Improving Financial Literacy is a top priority in today's economy.
This is a game-based management development program that can assist with this critical need.
Financial Literacy for Teens and Students Experian_US
Join our #CreditChat every Wednesday at 3 p.m. ET on Twitter and YouTube. This week, we discussed Financial Literacy for Teens and Students. Our #CreditChat panel included Steve & Annette Economides – New York Times Best Selling Authors and Founders of MoneySmartFamily.com, Laura Levine – President of the Jump$tart Coalition: Financial Smarts for Students, Brian Page - Budget Challenge Outreach and Education, Manager and Debbi King- Personal Finance and Life Coach and Owner of ABC’s of Personal Finance. We were also joined by several influencers in the personal finance community on Twitter. This deck features tips from: @FinEdChat, @WealthwithMina, @mymoneycoach_ca, @RAHomes, @FamZoo, @LeslieHTayneEsq, @ncl_tweets, @NextGenPF, @b__wil, @christaylor_nyc, @ACCC_helps, @TraeRetailMeNot, @PiggieBanker, @MiriamSCross and @emergebenefit
Conferencia inaugural del ciclo que sobre 'Educación financiera' organiza la Fundación Ramón Areces con IE business school. Annamaria Lusardi, una de las mayores expertas mundiales en esta materia, da a conocer aquí los resultados de varios estudios y sus conclusiones. "En el siglo XXI, ofrecer educación financiera debería ser algo tan básico como enseñar a leer y a escribir", explica.
Presentation at the Brussels launch event of European Money Week by Prof. Annamaria Lusardi of the George Washington School of Business, Academic Director, Global Financial Literacy Excellence Centre (GFLEC).
Sifting our way to generational insightsAnne Boysen
What do people in the same generation seem to have so much in common? And how do we know if the similarity is generational and not the result of some other factors? Let's sift our way to the solid kernels of good generational insight.
Generation Gap? Political and Economic Sentiment Across Three GenerationsRommell Montenegro
Millennials, born between 1980 and 2004, are now the largest and most diverse segment of the U.S. population. Not surprisingly, there has been a surge of recent research attempting to understand how this generation thinks, works and shops. One area that has received relatively little attention is differences in political and economic sentiment across the three largest generation groups.
Are Millennials more optimistic about the economy? Who cares the most about immigration policy? Which age group is the best target for messages about healthcare? As the US recovers from a recession and looks towards the next presidential election, it becomes critical to understand these market trends.
International women's day global advisor 2021Ipsos France
A l’occasion de la Journée internationale des Droits des femmes, Ipsos dévoile les résultats de sa nouvelle étude Global Advisor, réalisée en France et dans 28 pays à travers le monde. La pandémie a eu un impact social, sanitaire et économique aussi inattendu qu’inégal sur la vie des Françaises et des Français. Peu optimistes sur la progression de l’égalité femme/homme au terme de cette crise, plus d’un Français sur dix (11%) pense même que celle-ci va encore reculer. Alors que l’égalité salariale reste une priorité sur laquelle agir pour un Français sur deux (51%), les métiers dits « essentiels » pendant la crise restent porteurs d’inégalités, et sont quasi-exclusivement associés par les Français à des métiers féminins et jugés sous-payés.
Income and wealth inequality have increased in recent decades. Financial knowledge is low worldwide and unequally distributed, and plays an important role in wealth inequality. Those with higher financial knowledge earn higher returns on investments. Increasing financial literacy in schools could significantly reduce wealth inequality and provide large welfare benefits, especially as responsibility for retirement savings shifts to individuals. While financial education programs may not change all behaviors, that does not mean such policies are ineffective.
Chris Thiele gave a presentation on cultural intelligence training to Field Productivity Team. He discussed how the world is changing with emerging markets driving global growth. He covered core concepts like unconscious biases, belonging, values and cultural defaults. Thiele explained that cultural intelligence involves understanding different world views to optimize cultural differences. It develops through basic awareness, understanding diverse perspectives, and adapting across cultures. Influence was identified as the most important leadership competency for multi-country roles. Diversity alone does not guarantee success - leaders must acknowledge and support cultural differences for teams to perform at their best.
Nearly two-thirds of Americans fail basic financial literacy tests. Only 5 states require personal finance classes in high school. While over one-third of millennials have written financial plans, far fewer Gen X and baby boomers do. The top causes of debt are credit cards, auto loans, and student debt, while the top causes of bankruptcy are medical expenses, job loss, emergency expenses, and divorce. However, financial education may not necessarily lead to better financial choices. There is a need to improve how financial literacy is taught and to help Americans better understand debt management, savings, and investing.
This report presents findings of a Ipsos global survey conducted on behalf of the Bill & Melinda Gates Foundation. The survey studied people's outlook on their personal lives, challenges for their communities, and the direction of their countries/
New Studies and Insights on the Benefits of Gender Equality in Leadership Pos...Sustainable Brands
New studies show significant economic benefits from advancing gender equality in leadership positions. Research finds closing the global gender gap correlates with increased GDP and competitiveness. Specifically, a McKinsey study found that achieving full gender parity could add $28 trillion to annual global GDP by 2025, equivalent to the economies of the US and China combined. Multiple stakeholders, including the private sector, must work together to drive meaningful change in promoting gender equality in society and the workplace to realize this economic opportunity.
Mega trends impacting on higher education - riga, 6 november 2017dvndamme
1) Several mega-trends are impacting higher education globally, including population aging, economic integration, inequality, skills mismatches, and new technologies.
2) Higher education is becoming more globalized and internationalized, with growing student mobility, cross-border research collaborations, and expansion of universities and online courses.
3) However, globalization and new technologies also risk exacerbating inequalities and social exclusion if access to opportunities remains unequal.
Apresentação utilizada pelo ministro da SAE/PR e presidente do Ipea, Marcelo Neri, no Fórum Acadêmico dos BRICS, realizado nos dias 18 e 19 de março de 2014, no Rio de Janeiro.
Mais informações: : www.sae.gov.br
This document provides an overview of a 5-week community education series on issues affecting children. The series will cover topics like education, juvenile justice, health, child welfare, and children around the world. Each week will include a speaker presentation, followed by a question and discussion period. The document outlines the speakers and topics for each week. It also provides frameworks for analyzing issues affecting children, including the nature vs nurture debate, ecological perspectives, risk-resilience models, and indicators of child well-being. Key statistics on risks facing children are presented.
Women play an increasing role in household financial decisions. The study found that over half of women share in financial decisions, while 41% make decisions alone. Younger women feel more knowledgeable about finances due to parental influence. Boomer women feel most confident and in control of their finances, likely because most have a financial plan. Gen X women face significant pressures as caregivers but feel less engaged in finances. Creating a plan may help during challenging times.
This document summarizes research on financial inclusion and poverty. It finds that while access to financial services has increased in countries like Turkey, there are still gaps for women, the less educated, and those in the lowest income groups. Lack of money and lack of trust in financial institutions are common reasons for not having a bank account. The document argues that increasing financial inclusion requires efforts on both the supply and demand sides, including improving financial literacy, reforming regulations, using new technologies like mobile banking, and integrating financial services with social programs.
This document summarizes research on financial inclusion and poverty. It finds that while access to financial services has increased in Turkey, there are still gaps for women, the less educated, and younger people. Lack of money and trust are common reasons for not having a bank account. Expanding access requires efforts on both the supply and demand sides, including improving financial literacy, reforming regulations, and integrating financial services with social programs. Overall, increasing deposits and savings for the poor through convenient and secure options can help strengthen labor markets and reduce vulnerability.
This document summarizes a study on how risk communication and financial literacy affect investment choices. It finds that how risk is framed significantly influences choices, with ranges performing better than negative return frequencies. Higher financial literacy reduces mistakes but does not eliminate framing effects. Testing risk disclosures only on comprehension is insufficient - their behavioral impacts must also be evaluated across diverse groups. Improving financial inclusion requires both education and ensuring information does not unintentionally steer choices.
Financial Literacy in Canadian schools. A presenation by Jane Rooney Director, Financial Literacy and Consumer Education. Presented during “The Partnering to Turn Financial Literacy into Action” Toronto FCAC & OECD conference on May 27-28, 2011.
Financial Literacy in Australian schools. A presenation by Delia Rickard,
Senior Executive Leader Financial Literacy, Consumers, Advisers and Retail Investors, Australian Securities and Investments Commission. Presented during “The Partnering to Turn Financial Literacy into Action” Toronto FCAC & OECD conference on May 27-28, 2011.
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Conferencia inaugural del ciclo que sobre 'Educación financiera' organiza la Fundación Ramón Areces con IE business school. Annamaria Lusardi, una de las mayores expertas mundiales en esta materia, da a conocer aquí los resultados de varios estudios y sus conclusiones. "En el siglo XXI, ofrecer educación financiera debería ser algo tan básico como enseñar a leer y a escribir", explica.
Presentation at the Brussels launch event of European Money Week by Prof. Annamaria Lusardi of the George Washington School of Business, Academic Director, Global Financial Literacy Excellence Centre (GFLEC).
Sifting our way to generational insightsAnne Boysen
What do people in the same generation seem to have so much in common? And how do we know if the similarity is generational and not the result of some other factors? Let's sift our way to the solid kernels of good generational insight.
Generation Gap? Political and Economic Sentiment Across Three GenerationsRommell Montenegro
Millennials, born between 1980 and 2004, are now the largest and most diverse segment of the U.S. population. Not surprisingly, there has been a surge of recent research attempting to understand how this generation thinks, works and shops. One area that has received relatively little attention is differences in political and economic sentiment across the three largest generation groups.
Are Millennials more optimistic about the economy? Who cares the most about immigration policy? Which age group is the best target for messages about healthcare? As the US recovers from a recession and looks towards the next presidential election, it becomes critical to understand these market trends.
International women's day global advisor 2021Ipsos France
A l’occasion de la Journée internationale des Droits des femmes, Ipsos dévoile les résultats de sa nouvelle étude Global Advisor, réalisée en France et dans 28 pays à travers le monde. La pandémie a eu un impact social, sanitaire et économique aussi inattendu qu’inégal sur la vie des Françaises et des Français. Peu optimistes sur la progression de l’égalité femme/homme au terme de cette crise, plus d’un Français sur dix (11%) pense même que celle-ci va encore reculer. Alors que l’égalité salariale reste une priorité sur laquelle agir pour un Français sur deux (51%), les métiers dits « essentiels » pendant la crise restent porteurs d’inégalités, et sont quasi-exclusivement associés par les Français à des métiers féminins et jugés sous-payés.
Income and wealth inequality have increased in recent decades. Financial knowledge is low worldwide and unequally distributed, and plays an important role in wealth inequality. Those with higher financial knowledge earn higher returns on investments. Increasing financial literacy in schools could significantly reduce wealth inequality and provide large welfare benefits, especially as responsibility for retirement savings shifts to individuals. While financial education programs may not change all behaviors, that does not mean such policies are ineffective.
Chris Thiele gave a presentation on cultural intelligence training to Field Productivity Team. He discussed how the world is changing with emerging markets driving global growth. He covered core concepts like unconscious biases, belonging, values and cultural defaults. Thiele explained that cultural intelligence involves understanding different world views to optimize cultural differences. It develops through basic awareness, understanding diverse perspectives, and adapting across cultures. Influence was identified as the most important leadership competency for multi-country roles. Diversity alone does not guarantee success - leaders must acknowledge and support cultural differences for teams to perform at their best.
Nearly two-thirds of Americans fail basic financial literacy tests. Only 5 states require personal finance classes in high school. While over one-third of millennials have written financial plans, far fewer Gen X and baby boomers do. The top causes of debt are credit cards, auto loans, and student debt, while the top causes of bankruptcy are medical expenses, job loss, emergency expenses, and divorce. However, financial education may not necessarily lead to better financial choices. There is a need to improve how financial literacy is taught and to help Americans better understand debt management, savings, and investing.
This report presents findings of a Ipsos global survey conducted on behalf of the Bill & Melinda Gates Foundation. The survey studied people's outlook on their personal lives, challenges for their communities, and the direction of their countries/
New Studies and Insights on the Benefits of Gender Equality in Leadership Pos...Sustainable Brands
New studies show significant economic benefits from advancing gender equality in leadership positions. Research finds closing the global gender gap correlates with increased GDP and competitiveness. Specifically, a McKinsey study found that achieving full gender parity could add $28 trillion to annual global GDP by 2025, equivalent to the economies of the US and China combined. Multiple stakeholders, including the private sector, must work together to drive meaningful change in promoting gender equality in society and the workplace to realize this economic opportunity.
Mega trends impacting on higher education - riga, 6 november 2017dvndamme
1) Several mega-trends are impacting higher education globally, including population aging, economic integration, inequality, skills mismatches, and new technologies.
2) Higher education is becoming more globalized and internationalized, with growing student mobility, cross-border research collaborations, and expansion of universities and online courses.
3) However, globalization and new technologies also risk exacerbating inequalities and social exclusion if access to opportunities remains unequal.
Apresentação utilizada pelo ministro da SAE/PR e presidente do Ipea, Marcelo Neri, no Fórum Acadêmico dos BRICS, realizado nos dias 18 e 19 de março de 2014, no Rio de Janeiro.
Mais informações: : www.sae.gov.br
This document provides an overview of a 5-week community education series on issues affecting children. The series will cover topics like education, juvenile justice, health, child welfare, and children around the world. Each week will include a speaker presentation, followed by a question and discussion period. The document outlines the speakers and topics for each week. It also provides frameworks for analyzing issues affecting children, including the nature vs nurture debate, ecological perspectives, risk-resilience models, and indicators of child well-being. Key statistics on risks facing children are presented.
Women play an increasing role in household financial decisions. The study found that over half of women share in financial decisions, while 41% make decisions alone. Younger women feel more knowledgeable about finances due to parental influence. Boomer women feel most confident and in control of their finances, likely because most have a financial plan. Gen X women face significant pressures as caregivers but feel less engaged in finances. Creating a plan may help during challenging times.
This document summarizes research on financial inclusion and poverty. It finds that while access to financial services has increased in countries like Turkey, there are still gaps for women, the less educated, and those in the lowest income groups. Lack of money and lack of trust in financial institutions are common reasons for not having a bank account. The document argues that increasing financial inclusion requires efforts on both the supply and demand sides, including improving financial literacy, reforming regulations, using new technologies like mobile banking, and integrating financial services with social programs.
This document summarizes research on financial inclusion and poverty. It finds that while access to financial services has increased in Turkey, there are still gaps for women, the less educated, and younger people. Lack of money and trust are common reasons for not having a bank account. Expanding access requires efforts on both the supply and demand sides, including improving financial literacy, reforming regulations, and integrating financial services with social programs. Overall, increasing deposits and savings for the poor through convenient and secure options can help strengthen labor markets and reduce vulnerability.
This document summarizes a study on how risk communication and financial literacy affect investment choices. It finds that how risk is framed significantly influences choices, with ranges performing better than negative return frequencies. Higher financial literacy reduces mistakes but does not eliminate framing effects. Testing risk disclosures only on comprehension is insufficient - their behavioral impacts must also be evaluated across diverse groups. Improving financial inclusion requires both education and ensuring information does not unintentionally steer choices.
Financial Literacy in Canadian schools. A presenation by Jane Rooney Director, Financial Literacy and Consumer Education. Presented during “The Partnering to Turn Financial Literacy into Action” Toronto FCAC & OECD conference on May 27-28, 2011.
Financial Literacy in Australian schools. A presenation by Delia Rickard,
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A presentation from Flore-Anne Messy, Principal Administrator, Financial Education and Consumer Protection Unit OECD Financial Affairs Division. Presented during “The Partnering to Turn Financial Literacy into Action” Toronto FCAC & OECD conference on May 27-28, 2011.
This is Marcin Polak's, Think! Institute, Warsaw, Poland, presentation from the workshop on social marketing and financial education during “The Partnering to Turn Financial Literacy into Action” Toronto FCAC & OECD conference on May 27-28, 2011
Financial Education - Financial Literacy Project in the Russian FederationEconomicEducator.eu
Zoran Anusic, World Bank, presentation from the workshop launching the Financial Education Financial Literacy Program in the Russian Federation, Moscow, April 4, 2011
This document describes various methods used in Poland to promote financial literacy, including:
1) A television game show that tested viewers' financial knowledge and attracted over 8 million viewers.
2) An educational TV ad campaign featuring celebrities that aired over 266 times and increased viewers' financial knowledge by 13.9%.
3) A school program that taught over 220,000 students financial skills and increased their knowledge by 5-11%.
4) An educational website and e-learning platform that provided online courses, games and articles and attracted over 100,000 users monthly.
Adele Atkinson, PhD, OECD Policy Analyst,
Financial Education and Consumer Protection Unit, presentation from the workshop launching the Financial Education Financial Literacy Program in the Russian Federation, Moscow, April 4, 2011
International Experience: Financial Literacy Strategies and ProgrammesEconomicEducator.eu
This document discusses strategies and programs for developing financial literacy at a national level. It begins by defining financial literacy and explaining why a national strategy is important for coordination and focus. It then provides tips for developing a national strategy, including engaging partners, prioritizing initiatives, and building in monitoring and evaluation. Potential partners that could contribute to financial literacy work are discussed. Lessons from behavioral economics and effective social marketing programs are outlined. The document concludes by emphasizing the importance of evaluating financial literacy programs and conducting national surveys to measure impact over time.
International Experience in Financial Literacy: Lessons from PolandEconomicEducator.eu
The document summarizes a presentation by Marcin Polak on lessons learned from Poland's experience in financial literacy. Some key points:
- Poland lacked a national financial literacy strategy, so efforts were fragmented despite spending over 50 million euros on programs.
- A national strategy and yearly plans are important for coordination, objectives, and assessing program impact.
- Objectives should target different groups like students, adults, and specify knowledge vs. awareness goals.
- An innovative learning design is needed using technology, repetition across multiple channels, and practical "wallet education".
- Planning requires identifying leaders, training key influencers, developing an interactive online platform, and long-term marketing.
International policy issues and initiatives on Financial educationEconomicEducator.eu
Andre Laboul, Head of OECD Financial Affairs Division and Chair of the International Network on Financial Education, presentation from the workshop launching the Financial Education Financial Literacy Program in the Russian Federation, Moscow, April 4, 2011
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Financial literacy is important but difficult to define, measure, and improve. An international workshop discussed challenges in conceptualizing and assessing financial literacy as well as promoting consumer protection. Many households worldwide still lack access to basic financial services and products.
Financial Literacy and Transparency Initiatives and Tools in Life and PensionsEconomicEducator.eu
The document discusses pensions, financial literacy, and motivation based on a report and findings. It notes that knowledge of pensions is low among consumers but satisfaction is higher among more informed consumers. While most think they are in control of finances, over 1/3 cannot cover unexpected expenses. Initiatives to increase transparency and empower consumers include improving overview of pension information, clarifying rules and rights, and projects on financial literacy and motivation. Motivation is key, and examples show reducing choices can increase action while norms encourage desired behaviors.
Chapter wise All Notes of First year Basic Civil Engineering.pptxDenish Jangid
Chapter wise All Notes of First year Basic Civil Engineering
Syllabus
Chapter-1
Introduction to objective, scope and outcome the subject
Chapter 2
Introduction: Scope and Specialization of Civil Engineering, Role of civil Engineer in Society, Impact of infrastructural development on economy of country.
Chapter 3
Surveying: Object Principles & Types of Surveying; Site Plans, Plans & Maps; Scales & Unit of different Measurements.
Linear Measurements: Instruments used. Linear Measurement by Tape, Ranging out Survey Lines and overcoming Obstructions; Measurements on sloping ground; Tape corrections, conventional symbols. Angular Measurements: Instruments used; Introduction to Compass Surveying, Bearings and Longitude & Latitude of a Line, Introduction to total station.
Levelling: Instrument used Object of levelling, Methods of levelling in brief, and Contour maps.
Chapter 4
Buildings: Selection of site for Buildings, Layout of Building Plan, Types of buildings, Plinth area, carpet area, floor space index, Introduction to building byelaws, concept of sun light & ventilation. Components of Buildings & their functions, Basic concept of R.C.C., Introduction to types of foundation
Chapter 5
Transportation: Introduction to Transportation Engineering; Traffic and Road Safety: Types and Characteristics of Various Modes of Transportation; Various Road Traffic Signs, Causes of Accidents and Road Safety Measures.
Chapter 6
Environmental Engineering: Environmental Pollution, Environmental Acts and Regulations, Functional Concepts of Ecology, Basics of Species, Biodiversity, Ecosystem, Hydrological Cycle; Chemical Cycles: Carbon, Nitrogen & Phosphorus; Energy Flow in Ecosystems.
Water Pollution: Water Quality standards, Introduction to Treatment & Disposal of Waste Water. Reuse and Saving of Water, Rain Water Harvesting. Solid Waste Management: Classification of Solid Waste, Collection, Transportation and Disposal of Solid. Recycling of Solid Waste: Energy Recovery, Sanitary Landfill, On-Site Sanitation. Air & Noise Pollution: Primary and Secondary air pollutants, Harmful effects of Air Pollution, Control of Air Pollution. . Noise Pollution Harmful Effects of noise pollution, control of noise pollution, Global warming & Climate Change, Ozone depletion, Greenhouse effect
Text Books:
1. Palancharmy, Basic Civil Engineering, McGraw Hill publishers.
2. Satheesh Gopi, Basic Civil Engineering, Pearson Publishers.
3. Ketki Rangwala Dalal, Essentials of Civil Engineering, Charotar Publishing House.
4. BCP, Surveying volume 1
This document provides an overview of wound healing, its functions, stages, mechanisms, factors affecting it, and complications.
A wound is a break in the integrity of the skin or tissues, which may be associated with disruption of the structure and function.
Healing is the body’s response to injury in an attempt to restore normal structure and functions.
Healing can occur in two ways: Regeneration and Repair
There are 4 phases of wound healing: hemostasis, inflammation, proliferation, and remodeling. This document also describes the mechanism of wound healing. Factors that affect healing include infection, uncontrolled diabetes, poor nutrition, age, anemia, the presence of foreign bodies, etc.
Complications of wound healing like infection, hyperpigmentation of scar, contractures, and keloid formation.
Philippine Edukasyong Pantahanan at Pangkabuhayan (EPP) CurriculumMJDuyan
(𝐓𝐋𝐄 𝟏𝟎𝟎) (𝐋𝐞𝐬𝐬𝐨𝐧 𝟏)-𝐏𝐫𝐞𝐥𝐢𝐦𝐬
𝐃𝐢𝐬𝐜𝐮𝐬𝐬 𝐭𝐡𝐞 𝐄𝐏𝐏 𝐂𝐮𝐫𝐫𝐢𝐜𝐮𝐥𝐮𝐦 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬:
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𝐄𝐱𝐩𝐥𝐚𝐢𝐧 𝐭𝐡𝐞 𝐍𝐚𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐒𝐜𝐨𝐩𝐞 𝐨𝐟 𝐚𝐧 𝐄𝐧𝐭𝐫𝐞𝐩𝐫𝐞𝐧𝐞𝐮𝐫:
-Define entrepreneurship, distinguishing it from general business activities by emphasizing its focus on innovation, risk-taking, and value creation. Students will describe the characteristics and traits of successful entrepreneurs, including their roles and responsibilities, and discuss the broader economic and social impacts of entrepreneurial activities on both local and global scales.
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In Odoo, making a field required can be done through both Python code and XML views. When you set the required attribute to True in Python code, it makes the field required across all views where it's used. Conversely, when you set the required attribute in XML views, it makes the field required only in the context of that particular view.
Walmart Business+ and Spark Good for Nonprofits.pdfTechSoup
"Learn about all the ways Walmart supports nonprofit organizations.
You will hear from Liz Willett, the Head of Nonprofits, and hear about what Walmart is doing to help nonprofits, including Walmart Business and Spark Good. Walmart Business+ is a new offer for nonprofits that offers discounts and also streamlines nonprofits order and expense tracking, saving time and money.
The webinar may also give some examples on how nonprofits can best leverage Walmart Business+.
The event will cover the following::
Walmart Business + (https://business.walmart.com/plus) is a new shopping experience for nonprofits, schools, and local business customers that connects an exclusive online shopping experience to stores. Benefits include free delivery and shipping, a 'Spend Analytics” feature, special discounts, deals and tax-exempt shopping.
Special TechSoup offer for a free 180 days membership, and up to $150 in discounts on eligible orders.
Spark Good (walmart.com/sparkgood) is a charitable platform that enables nonprofits to receive donations directly from customers and associates.
Answers about how you can do more with Walmart!"
Gender Differences in Financial Literacy: Empowering Women
1. Gender Differences in Financial Literacy:
Empowering Women
Presentation to the OECD-FCAC Conference
Toronto, May 26, 2011
Annamaria Lusardi
GW School of Business
Director, Financial Literacy
Center
2. Relevance
A new economic landscape
Individuals are increasingly in charge of their
financial well-being
Changes in the pension landscape
More individual accounts
Changes in the labor markets
Increased mobility
Changes in the financial markets
Increased complexity. Not many women work in
finance
3. How do women fare?
Women have specific needs
Women live longer than men, thus savings need to last a long
time
Because of shorter labor market tenures, women are less likely
to have pensions or to have experience with pensions.
Women are a vulnerable group
Death of a spouse often precipitates women into poverty (Willis
and Weir, 2000)
4. Question
Do women know the basic concepts needed to
make financial decisions?
Aim: Assess knowledge of basic concepts, the abc’s
of financial knowledge
The journey of 3 simple questions
5. Measuring Financial Literacy (I)
To test numeracy and understanding of interest
rates, we asked:
“Suppose you had $100 in a savings account and the interest
rate was 2% per year. After 5 years, how much do you think
you would have in the account if you left the money to grow?”
i) more than $102
ii) exactly $102
iii) less than $102
iv) don’t know (DK)
v) refuse to answer
6. Measuring Financial Literacy (II)
To test understanding of inflation, we asked:
“Imagine that the interest rate on your savings account was
1% per year and inflation was 2% per year. After 1 year, with
the money in this account, would you be able to buy…”
i) more than today
ii) exactly the same as today
iii) less than today
iv) DK
v) Refuse to answer
7. Measuring Financial Literacy (III)
Finally, to test understanding of risk
diversification, we asked:
“Do you think the following statement is true or false? Buying
a single company stock usually provides a safer return than a
stock mutual fund.”
i) true
ii) false
iii) DK
iv) Refuse to answer
8. Financial Literacy around the World (FLat
World)
These questions have been
added to national surveys in
The Netherlands
Germany
Italy
Sweden
Russia
New Zealand
Japan
9. Financial Literacy and Gender: U.S. data (age:50+)
90.00%
80.00%
70.00%
60.00%
50.00%
40.00%
30.00%
20.00%
10.00%
0.00%
Compound Interest Inflation Stock risk
Male 74.70% 82.20% 59.30%
Female 61.90% 70.50% 47.50%
10. Financial Literacy and Gender: U.S. Data (age:23-28)
90%
82%
80% 77%
70%
60%
60% 53%
50% 48%
40%
40%
30%
20%
10%
0%
Interest Rate Inflation Risk Diversification
Male Female
12. Gender Differences in Self-Reported
Literacy (U.S. data )
On a scale of 1(very low) to 7 (very high), how would you assess your
overall financial knowledge?
35%
Male
30%
Female
25%
20%
15%
10%
5%
0%
1 = Very low 2 3 4 5 6 7 = Very High Do not know Prefer not to
answer
13. Similar Findings in Other Countries
In all countries, women have a tendency to state that they “do
not know” the answer
Women are aware of their lack of knowledge
No gender differences in East Germany and Russia
Financial literacy is equally low between women and men
With developed financial markets, women are left behind
No gender differences among indigenous population in New
Zealand
Relationship with norms and culture
14. Linking Financial Literacy to Financial Behavior
Debt and debt management
Investments
Planning and wealth accumulation
15. Financial Literacy in High School
The small proportion of high school students (7%) in the
United States who are financially knowledgeable are
Male
From college educated families
Lack of financial knowledge starts at a young age
OECD Programme for International Student Assessment
(PISA)
Measure financial literacy among 15-year-old students in
19 countries in 2012
16. Our Financial Literacy Center (FLC)
Build on many years of research on financial literacy
Bring together three institutions with expertise in
pensions, saving, data collection, and program
evaluation
Bring together multi-disciplinary teams of
researchers
We have several programs targeted to women
17. Video Game: Celebrity Calamity
Project with Doorways
to Dreams (founder is
Peter Tufano from
Harvard Business
School)
18. Initiatives for College Students
Designing financial literacy modules
Building financial literacy content in college
courses
21. Concluding Comments
Financial literacy is a necessary skill, like
reading and writing
Need to equip women with tools to make decisions
- Women around the world are increasingly in charge of their
financial well-being
Cost of financial illiteracy at both the individual and the
macro level
- The importance of financial education