Financial Illiteracy
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The Routledge Handbook Of Financial Literacy
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Author : Gianni Nicolini
language : en
Publisher: Routledge
Release Date : 2021-12-30
The Routledge Handbook Of Financial Literacy written by Gianni Nicolini and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-12-30 with Business & Economics categories.
Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.
Financial Literacy Education
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Author : Asta Zokaityte
language : en
Publisher: Springer
Release Date : 2017-06-26
Financial Literacy Education written by Asta Zokaityte and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2017-06-26 with Business & Economics categories.
This book explores the issue of consumer financial education, responding to increased interest in, and calls to improve peoples’ financial literacy skills and abilities to understand and manage their money. New conceptual frameworks introduced in the book offer academic audiences an innovative way of thinking about the project on financial literacy education. Using the concepts of ‘edu-regulation’ and ‘financial knowledge democratisation’ to analyse the financial education project in the UK, the book exposes serious, and often ignored, limitations to using information and education as tools for consumer protection. It challenges the mainstream representation of financial literacy education as a viable solution to consumer financial exclusion and poverty. Instead, it argues that the project on financial literacy education fails to acknowledge important dependences between consumer financial behaviour and the socio-economic, political, and cultural context within which consumers live. Finally, it reveals how these international and national calls for ever greater financial education oversimplify and underestimate the complexity of consumer financial decision-making in our modern times.
Financial Illiteracy In America
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Author : Eric Weiss
language : en
Publisher: Createspace Independent Publishing Platform
Release Date : 2011-01-13
Financial Illiteracy In America written by Eric Weiss and has been published by Createspace Independent Publishing Platform this book supported file pdf, txt, epub, kindle and other format this book has been release on 2011-01-13 with Finance, Personal categories.
Many of the financial problems facing the U.S. can be traced to financial illiteracy among large segments of the population. Consider: 1. If people understood the relation between the economy and monetary policy they probably would not have taken out adjustable rate mortgages at precisely the time the Federal Reserve was set to raise interest rates. 2. If people understood the difference between the effective annual and the annual percentage rate they would likely incur less high cost credit card debt. 3. If people understood the benefits of tax-deferred compounding they likely would begin contributing to their retirement plan earlier in life -- resulting in substantially more wealth when they retire. Financial Illiteracy in America argues that financial illiteracy derives from the absence of personal finance instruction in most U.S. public high schools and a mistaken reliance, on the part of many, that the best way to learn about financial topics is through one's parents or life experiences. The problem is that most parents do not have the financial background to impart financial knowledge to their children, while learning through life experiences often results in costly mistakes or realizing a problem when it is too late. Financial Illiteracy in America outlines what young people need to know to get a head start in putting their lives on a sound financial footing including topics such as: - Using financial services intelligently - Does a young person need insurance? - Opening and operating a brokerage account- Investments a young person should make- Globalization effects on the prices of goods and services purchased by young people Finally, Financial Illiteracy in America� presents a curriculum for teaching personal finance to high school students. Financial Illiteracy in America was written by Eric J. Weiss, Certified Financial Planner PROFESSIONAL who also teaches an "Introduction to Finance" course to college students. Mr. Weiss's experience with clients and students sparked the idea for this book and has convinced him of the paramount importance of increasing financial literacy in the U.S.
Financial Literacy
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Author :
language : en
Publisher: PediaPress
Release Date :
Financial Literacy written by and has been published by PediaPress this book supported file pdf, txt, epub, kindle and other format this book has been release on with categories.
Real World Finance Boost Your Financial Literacy As All Schools Have Failed To Do
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Author : Jerry L. Copley
language : en
Publisher: Page Publishing Inc
Release Date : 2023-06-13
Real World Finance Boost Your Financial Literacy As All Schools Have Failed To Do written by Jerry L. Copley and has been published by Page Publishing Inc this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-06-13 with Business & Economics categories.
As a former mathematics teacher and a master's degree recipient, I have witnessed a decline in basic mathematical abilities and financial literacy over the past twenty years. It is disheartening. To witness the anxieties people struggle with in their everyday lives--especially when due to reliance on credit--prompted me to do something. I decided to write a book to break down even complex financial concepts into understandable terms. Over the years, I have talked with business owners, bank mortgage lenders, sales professionals, finance managers, and college and high school students, along with coworkers, about the many financial topics individuals encounter throughout their lives. To be honest, I was somewhat surprised by the lack of understanding around basic financial concepts like budgeting, compensation and remuneration, insurance, credit, investments, and even taxation. Education has always been an integral part of my life. I believe in the total education of the individual, not just subject-matter expertise. An education that can last throughout a lifetime is complex yet simple, timeless yet timely, and most importantly, it builds a foundation that is needed for ultimate success. This book, Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do, builds the financial education that seems to be missing from society today. It details financial concepts necessary to guide the individual through a lifetime of experiences and endeavors. The financial topics include budgets, credit, insurance, investments, retirement, and worker compensation with fringe benefits and taxes, all tailored to an individual's personal financial life. As a former tax associate, I have assisted hundreds with their tax returns. In too many cases, individuals did not know how to fill out, complete, and/or file their required tax return. Some didn't even know what their W-2 was! I have become determined to increase their financial literacy as I did with the thousands of students I taught. Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do explains topics using real-world examples from employee compensation and lease versus purchase to loans, insurance, retirement, and the importance of investment to taxation. Employing this method breaks down any intimidation of mathematics (encountered by many of my former students and the general population) while teaching necessary financial concepts and calculations needed for everyday living--purchasing a car, buying insurance, setting up a budget, comparing total compensation from various job opportunities, retirement and investing, filing tax returns, comparing leasing, renting versus ownership, and more. A Walmart employee I recently spoke with told me he had to learn many of these concepts for himself after suffering financial hardship. He wished he would have been introduced to these concepts in school. When I informed him I had taught many of the topics contained in Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do to my students, he responded, "I wish I had you as a teacher." I want to help more people like the Walmart employee and others. I sincerely think they will not only benefit from the topics--they will find them interesting and the narrative informative. Thank you in advance for taking the time to look at Real World Finance: Boost Your Financial Literacy as All Schools Have Failed to Do!
Financial Literacy And Financial Education
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Author : Beata Świecka
language : en
Publisher: Walter de Gruyter GmbH & Co KG
Release Date : 2019-03-18
Financial Literacy And Financial Education written by Beata Świecka and has been published by Walter de Gruyter GmbH & Co KG this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019-03-18 with Business & Economics categories.
It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice.
Financial Literacy
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Author : Ali Saeedi
language : en
Publisher: Springer
Release Date : 2018-05-23
Financial Literacy written by Ali Saeedi and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-05-23 with Business & Economics categories.
This book provides an overview of current issues associated to financial literacy improvement. In selecting and structuring the material to include, the primary criterion has been applicability of topics and recommendations and accuracy of trends toward better financial literacy level. Each chapter is dedicated to a particular component of financial literacy from education to capability. Throughout the book, there are many practices initiated around the world which, regardless of their superiority, are all useful initiatives and can roll play as a spot light in the road of improvement for both investors and authorities. This book is not only applicable for academics and students, but authorities who aim to improve financial literacy (and subsequently financial capability) among individuals and for those investors who seek to improve their own financial literacy.
Financial Literacy Education
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Author : Jay Liebowitz
language : en
Publisher: CRC Press
Release Date : 2018-10-09
Financial Literacy Education written by Jay Liebowitz and has been published by CRC Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2018-10-09 with Business & Economics categories.
Today's graduates should be grounded in the basics of personal finance and possess the skills and knowledge necessary to make informed decisions and take responsibility for their own financial well-being. Faced with an array of complex financial services and sophisticated products, many graduates lack the knowledge and skills to make rational, informed decisions on the use of their money and planning for future events, such as retirement. This book shows what you can do to improve financial literacy awareness and education. It covers the use of interactive games and tutorials, peer-to-peer mentoring, and financial literacy contests in addition to more formal education. It gives you a sample of approaches and experiences in the financial literacy arena. Divided into three parts, the book covers financial literacy education for grades K–12, college, and post-college.
International Handbook Of Financial Literacy
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Author : Carmela Aprea
language : en
Publisher: Springer
Release Date : 2016-03-24
International Handbook Of Financial Literacy written by Carmela Aprea and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-24 with Education categories.
This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life.
Financial Literacy How To Gain Financial Intelligence Financial Peace And Financial Independence
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Author : Shaun Durrant
language : en
Publisher:
Release Date : 2020-08-27
Financial Literacy How To Gain Financial Intelligence Financial Peace And Financial Independence written by Shaun Durrant and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-08-27 with categories.
Financial Illiteracy Is Costing You More Than $35,000. Here's How to Change That: Did you know that the average millennial in the US is $36,000 in debt? Sound familiar? You've just gotten out of college and you're overwhelmed by student loan payments. Not only that, an entry-level job is keeping you from earning the money that would support the lifestyle you desire. So, what can you do about it? Is there any way to gain financial stability as early as in your 20s or 30s? Of course there is! And the answer happens to be a whole lot simpler than what you may imagine when thinking of saving and investing. For a start, you need to get out of debt asap. The longer you remain a part of the vicious cycle, the more difficult it is to get out of the debt swamp. You can be debt-free in your late 20s. To accomplish this goal, however, you'll need to do some financial growing up. Once you manage to kill the debt beast, you can move on to pursue all your life goals - saving enough to retire early, starting a family, buying a house, or starting your own business. Financial literacy consists of several simple, yet essential, concepts you'll need to master. In other words, you'll need to learn smart instead of hard when it comes to personal asset management. In Financial Literacy: How to Gain Financial Intelligence, Financial Peace and Financial Independence, you will discover: ● The 4 cardinal sins of youthful spending that will keep you in debt (forever) ● An 8-step, iron-clad methodology for getting out of debt in your 20s and 30s ● Smart ways to save money without having to give up your preferred lifestyle ● How to have fun and enjoy adventures for free, or with minimal spending ● 12+ brilliant ideas to earn more money (some have even been employed by top entrepreneurs for years) ● Reasons why no future dream is too big to pursue if you plan properly ● The basics of saving and investing like a boss while still a young adult ● The essence of financial responsibility in a marriage or a committed relationship ● Psychology of abundance: the mindset that sets millionaires apart from everybody else And much more! You don't have to wait until you're 40 to become financially independent. In fact, if you wait this long, it may be too late to introduce meaningful change in your life. Even if you earn a small income right now, you can take the baby steps that will add up and contribute to more security, more freedom, and a higher level of financial responsibility. It doesn't matter if you can save $5 or $1,000 per month. After all, a small trickle can quickly turn into a deluge. Do you want to become the master of your own money and your future? Are you looking forward to retiring in your 40s? If you're eager to learn the secrets of wealth and financial freedom, scroll up and click the "Add to Cart" button now.