Sample records for personal financial education

  1. Financial Planners: Educating Widows in Personal Financial Planning (United States)

    Korb, Brian R.


    Widows constitute a growing segment of the U.S. population; however, very little has been done to educate them on the basics of personal financial planning. The creation and implementation of financial planning education programs for widows can help them become more financially literate and free them from anxiety and fear. Interviews with eight…

  2. Workplace Financial Education Facilitates Improvement in Personal Financial Behaviors (United States)

    Prawitz, Aimee D.; Cohart, Judith


    Based on the life-cycle theory of consumption, this quasi-experimental study of 995 employees examined changes in financial behaviors following employee-needs-driven workplace financial education. Repeated-measures ANOVA compared participants and non-participants on perceived financial wellness and savings ratios; main effects indicated that both…

  3. The Financial Education Tool Kit: Helping Teachers Meet State- Mandated Personal Finance Requirements (United States)

    St. Pierre, Eileen; Richert, Charlotte; Routh, Susan; Lockwood, Rachel; Simpson, Mickey


    States are recognizing the need for personal financial education and have begun requiring it as a condition for high school graduation. Responding to teacher requests to help them meet state-mandated financial education requirements, FCS educators in the Oklahoma Cooperative Extension Service developed a financial education tool kit. This article…

  4. The Efffects of Workplace Financial Education on Personal Finances and Work Outcomes


    Kim, Jinhee


    The purpose of this research was to examine the effects of workplace financial education on workers' personal finances and work outcomes and determine relationships among financial management (attitudes, knowledge and behaviors), financial well-being, personal finance-work conflict, and work outcomes with data of white-collar workers in an insurance company in mid-western states. Research questions were (1) What are the profiles of financial attitudes, financial knowledge, financial behav...

  5. Financial Literacy, Financial Education, and Economic Outcomes (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.


    In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  6. Personal Financial Planning for Retirement: A Study with Specialization Courses' Students of a Higher Education Institution

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    Jônatas Dietrich


    Full Text Available This article presents the results of a research aimed to identify whether students of specialization of a higher education institution of Rio Grande do Sul held a personal financial planning for retirement. Yet, through this study it was sought to determine how these students do their financial planning for retirement, and those who do not realize it why they do not. To develop this study, the method used had quantitative and descriptive approach, the results were obtained through a research conducted in the first half of 2015 with 166 students in 11 courses of specialization of a higher education institution. As a result, it was found that less than half of respondents hold a financial planning for retirement, the majority uses the private pension as a major investment for such planning and that those who do not realize allege the lack of resources to save and invest or, yet, they consider themselves too young to start this planning, but it was found that the vast majority of participants do not realize that financial planning for retirement plan to do it. Still, it was contacted that the level of knowledge of personal finance and items related to social security is greatest among participants who hold a personal financial planning for retirement.

  7. The Missing Curriculum Link: Personal Financial Planning (United States)

    Neidermeyer, Adolph A.; Neidermeyer, Presha E.


    With increasing personal and business financial challenges facing today's professionals, we, as business school faculty, have a responsibility to offer the educational background that should enable rising professionals to successfully manage finances. Unfortunately, the results of a recent analysis of curriculum offerings in Personal Financial…

  8. Financial Literacy, Financial Education and Economic Outcomes. NBER Working Paper No. 18412 (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.


    In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  9. Personal Financial Literacy and Financial Planning in Klang Valley, Malaysia


    Hoe, Siew Yee


    The financial planning industry in Malaysia is still very much at its inception stage. Currently, regulators- Bank Negara Malaysia and Securities Commission of Malaysia have started to regulate the industry by imposing requirements for whoever wanted to venture into the financial planning profession. The title of ‘Financial Planner’ is now highly legalized by the authorities. Empirical studies have been done by overseas scholars and found that the lack of personal financial literacy has been ...

  10. Inmate Perceptions of Financial Education Needs: Suggestions for Financial Educators (United States)

    Call, Lindsay Larson; Dyer, W. Justin; Wiley, Angela R.; Day, Randal D.


    Recently, national attention has turned to the need for increased financial education, particularly for low-income populations. Incarcerated individuals represent a growing low-income group with unique needs that could likely benefit from financial education. However, few studies have examined the specific financial education needs of inmates,…

  11. Financial Literacy Education for Women (United States)

    Jarecke, Jodi; Taylor, Edward W.; Hira, Tahira K.


    Exploring the pedagogical approaches of four women's financial literacy education programs, this chapter provides an overview of trends and needs in financial education for women and offers pedagogical strategies for teaching women about finance.

  12. The Use of Financial Literacy for Growing Personal Finance

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    Ardi Gunardi


    Full Text Available Financial literacy played an important role for everyone in managing personal finances.This research aimed to determine how the level of financial literacy in students S1 Faculty of Economics and Business, Universitas Pasundan and investigate what factors are influencing it. The observed respondents were students from the Faculty of Economics and Business, Universitas Pasundan. The research data was collected through questionnaires,descriptive analysis, and test multinominal logit. Based on the results of the research showed that the level of financial literacy from undergraduate students Universitas Pasundan was in the low category. Financial literacy was determined by gender, Greater Academic Achievement (GPA, parental education level, and parental income level;,whereas for age, year of study and residence do not contribute to the research model. The results of this study were expected to support personal financial planning of students in improving the skills of reading, analyzing, and managing their own finances, thus avoiding the daily financial problems.


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    Fatih Temizel


    Full Text Available This study determines the importance of financial education in contemporary societies. A review of various organizations for increasing financial education whose individual and societal importance has been internationally accepted is also offered. Towards this end initiatives undertaken by international organizations and national authorities are examined. Aspects of these initiatives that can be offered as best practices for developing nations are identified. For the Turkish case financial education examples that can be organized under public authority leadership, with NGO participation are collated. Various experiences about measuring and increasing financial literacy are examined. Among these are the implementations in Australia, Japan, England and the United States. It is put forth, in light of international experience, that increasing access to financial education and efficiency of financial services are possible through, informing, education and consulting.

  14. Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study

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    Arum Setyowati


    Full Text Available This study aims to measure the level of Islamic Financial Literacy (IFL in Solo society and to test the effect of IFL on personal financial planning. The sociodemographic variables such as age, gender, marital status, education level, and income are being used as the control variable. 313 respondents are involved in this research directly through survey method and Ordinary Least Square (OLS is used to analyze the obtained research data. The study uses purposive sampling method and limiting the education level and income of research respondents. Study questionnaire consists of 20 multiple choice questions to measure respondent IFL and 13 questions to measure respondent personal financial planning. The results showed that: (1 the level of IFL in Solo reach 64.66 percent; (2 people with a good level of IFL tends to have better management in their personal finances, and (3 people with a good level of IFL tend to prefer investing in Islamic asset. Last, this paper will contribute to the scientific development of behavioral finance and financial inclusion which had been highly discussed in the financial literature. This study also became an early research in examining the influence of IFL on personal financial planning.

  15. Islamic Financial Literacy and Personal Financial Planning: A Socio-Demographic Study

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    Arum Setyowati


    Full Text Available This study aims to measure the level of Islamic Financial Literacy (IFL in Solo society and to test the effect of IFL on personal financial planning. The socio-demographic variables such as age, gender, marital status, education level, and income are being used as the control variable. 313 respondents are involved in this research directly through survey method and Ordinary Least Square (OLS is used to analyze the obtained research data. The study uses purposive sampling method and limiting the education level and income of research respondents. Study questionnaire consists of 20 multiple choice questions to measure respondent IFL and 13 questions to measure respondent personal financial planning. The results showed that: (1 the level of IFL in Solo reach 64.66 percent; (2 people with a good level of IFL tends to have better management in their personal finances; and (3 people with a good level of IFL tends to prefer investing on Islamic asset. Last, this paper will contribute to the scientific development of behavioral finance and financial inclusion which had been highly discussed in the financial literature. This study also became an early research in examining the influence of IFL on personal financial planning.

  16. Developing a Personal Financial Planning Program: More than Just Courses (United States)

    Martin, Charles L., Jr.


    Personal financial planning is considered one of the major growth professions of the coming decade. Besides providing an opportunity for employment, a major in personal financial planning can open the door to a rewarding and challenging career. Career opportunities in the personal financial planning field include opening a private practice or…

  17. Flagging Economy Propels Financial Education (United States)

    Manzo, Kathleen Kennedy


    On the same day President Bush signed a $150 billion economic-stimulus package in an attempt to head off a recession and offset a crisis in the home-mortgage market, a group of financial experts and educators met a few blocks from the White House to craft a plan for better preparing Americans, young and old, to manage their money. Financial…





    Annual financial statements and annual financial statements that are simplified represent a whole. According to the law of accounting, annual financial statements must be accompanied by a written declaration of assumption of responsibility by the leadership of the legal person for annual financial statements in accordance with Accounting rules for legal persons without patrimonial purpose. Annual financial statements are prepared in a clear manner and should be consistent with the provisions ...

  19. Financial Literacy and Financial Education: Review and Policy Implications


    Annamaria Lusardi


    In recent years, as workers have gained an unprecedented degree of control over their pensions and savings, the importance of financial literacy and financial education has increased considerably. Large changes in the structure of financial markets, labor markets, and demographics in developed countries have led to this change. Consumers have a bewildering array of complex financial products – from reverse mortgages to annuities – to choose from, making saving decisions increasingly complex. ...

  20. Financial Literacy: A Critical Adult Education Appraisal (United States)

    English, Leona M.


    This chapter critically examines financial literacy education, asking what its assumptions are and what adult educators need to ask of its curriculum, its bases, and the people being taught to be financially literate.

  1. Does financial education impact financial literacy and financial behavior, and if so, when?


    Kaiser, Tim; Menkhoff, Lukas


    A meta-analysis of 126 impact evaluation studies finds that financial education significantly impacts financial behavior and, to an even larger extent, financial literacy. These results also hold for the subsample of randomized experiments (RCTs). However, intervention impacts are highly heterogeneous: financial education is less effective for low-income clients as well as in low- and lowe...

  2. Financial Resource Allocation in Higher Education (United States)

    Ušpuriene, Ana; Sakalauskas, Leonidas; Dumskis, Valerijonas


    The paper considers a problem of financial resource allocation in a higher education institution. The basic financial management instruments and the multi-stage cost minimization model created are described involving financial instruments to constraints. Both societal and institutional factors that determine the costs of educating students are…

  3. The Effects of Financial Education on Impulsive Decision Making.

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    William B DeHart

    Full Text Available Delay discounting, as a behavioral measure of impulsive choice, is strongly related to substance abuse and other risky behaviors. Therefore, effective techniques that alter delay discounting are of great interest. We explored the ability of a semester long financial education course to change delay discounting. Participants were recruited from a financial education course (n = 237 and an abnormal psychology course (n = 80. Both groups completed a delay-discounting task for $100 during the first two weeks (Time 1 of the semester as well as during the last two weeks (Time 2 of the semester. Participants also completed a personality inventory and financial risk tolerance scale both times and a delay-discounting task for $1,000 during Time 2. Delay discounting decreased in the financial education group at the end of the semester whereas there was no change in delay discounting in the abnormal psychology group. Financial education may be an effective method for reducing delay discounting.

  4. The Effects of Financial Education on Impulsive Decision Making. (United States)

    DeHart, William B; Friedel, Jonathan E; Lown, Jean M; Odum, Amy L


    Delay discounting, as a behavioral measure of impulsive choice, is strongly related to substance abuse and other risky behaviors. Therefore, effective techniques that alter delay discounting are of great interest. We explored the ability of a semester long financial education course to change delay discounting. Participants were recruited from a financial education course (n = 237) and an abnormal psychology course (n = 80). Both groups completed a delay-discounting task for $100 during the first two weeks (Time 1) of the semester as well as during the last two weeks (Time 2) of the semester. Participants also completed a personality inventory and financial risk tolerance scale both times and a delay-discounting task for $1,000 during Time 2. Delay discounting decreased in the financial education group at the end of the semester whereas there was no change in delay discounting in the abnormal psychology group. Financial education may be an effective method for reducing delay discounting.

  5. Education for Flexible Personality

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    Bogomir Novak


    Full Text Available Flexible personality transforms both cultural environment and itself. Post-modern personality is both contemplative and active. On one hand, it is subject to inner imagination of a creative act, and on the other hand, to creation of a tangible product What is more, flexible personality is also autonomous, mature, healthy and well balanced, as well as stable and responsive to the demand for change. Due to ever quicker changes, flexible personality is a must. And it is a task. The impact of professional work of adults on the education of children, however, is being conditioned by the exrigid family and rigid enterprises or institutions in which adults are employed. Nevertheless, flexible educational style is not repressive, as it used to be, nor permissive and totally concentrated on the child. It is a choice between the two qualities. The educators' style is dependent on their attitude towards life (play and self-education and not only towards work. Nowadays, flexibility is a way towards quality management of social and personal changes.

  6. The effects of perceived and actual financial knowledge on regular personal savings: Case of Vietnam

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    Thi Anh Nhu Nguyen


    Full Text Available The paper examines the factors, which affect decision-making on regular personal saving behaviour in the context of an emerging market in Vietnam. Focusing on financial literacy, the paper uses a combined measure of actual financial knowledge and a self-assessment of overall financial knowledge. The sample of the study consists of 240 commercial banks customers selected in 12 branches of four banks in Ho Chi Minh City. The questionnaire covers: (1 actual financial knowledge; (2 self-rating of financial knowledge; (3 financial risk tolerance; and (4 demographic characteristics of the respondents. The results of a logistic regression analysis show that perceived and actual financial literacy have separate effects on regular personal saving. Particularly, actual financial knowledge has a statistically significant positive relationship with regular personal saving with odds ratio higher than 6.5 times. However, perceived financial knowledge and financial risk tolerance factor are not statistically significant with regular personal saving. Finally, this paper offers evidence that the interaction variable, which is used to combine education level with their major study, has a statistically significant relationship with regular personal saving.

  7. Financial Education for Children: The Israeli Case (United States)

    Bendavid-Hadar, Iris; Hadad, Yaniv


    This article focuses on the financial education of children. Education is a key factor in achieving economic development and socio-economic equality. Financial education can provide children with some of the additional knowledge and skills required to this end. Second and third grade Israeli students (n = 121), enrolled in three differently…



    Ivanka Daneva


    Considering the current complexity of financial markets and of financial instruments and services, financial education is part of population’s financial literacy and it ranks as paramount factor in the complex for the financial markets development.

  9. Elementary Preservice Teachers' and Teacher Educators' Perceptions of Financial Literacy Education (United States)

    Henning, Mary Beth; Lucey, Thomas A.


    The authors conducted an online survey of elementary teacher education programs within a large midwestern state to assess preservice teachers' and teacher educators' beliefs about and preparedness to teach financial literacy. Very few preservice teachers had meaningful experiences with personal finance in high school, college, or personal decision…

  10. Raising Employee Engagement through Workplace Financial Education (United States)

    Vitt, Lois A.


    This chapter discusses shifts in hiring and benefits that changed the employment landscape, offering a historical look at workplace financial education, and arguing that educating employees to adjust to new financial realities is a win-win for employers and employees.

  11. Financial Literacy and Education Research Priorities (United States)

    Schuchardt, Jane; Hanna, Sherman D.; Hira, Tahira K.; Lyons, Angela C.; Palmer, Lance; Xiao, Jing Jian


    Twenty-nine scholars from public and private universities, non-profit organizations, and the federal government participated in a National Research Symposium on Financial Literacy and Education in October 2008 in Washington, DC. The purpose was to identify critical research questions that could inform outcomes-based financial education, relevant…

  12. 78 FR 16159 - Application Procedures and Criteria for Approval of Providers of a Personal Financial Management... (United States)


    ... and Criteria for Approval of Providers of a Personal Financial Management Instructional Course by... personal financial management instructional course (``providers'') satisfy all prerequisites of the United... in an instructional course concerning personal financial management (``instructional course'' or...

  13. Financial Intelligence and the Quality of Higher Education in Africa

    African Journals Online (AJOL)

    First Lady

    Financial Intelligence is one of the five components of a twenty first century education, the ..... business by taking full responsibility for and becoming the Chief. Executive Officers (CEO) of their own lives, key into personal/self development or ...

  14. State of Hawaii Department of Education Financial Report, July 1, 2003-June 30, 2004. (United States)

    State of Hawaii Department of Education, 2005


    This annual financial report of the Department of Education is prepared each year to inform interested persons of the total cost of public education in the state of Hawaii. The financial report provides both Operating and Capital Improvement Project fund information that is useful in presenting our educational system financing, expenditures and…

  15. Stepfamily Education and Changes in Financial Practices (United States)

    Higginbotham, Brian J.; Tulane, Sarah; Skogrand, Linda


    This study examined the financial management practices of 62 participants in "Smart Steps" stepfamily education courses 1 year following their course completion. Qualitative interviews revealed 29 participants changed their financial practices as a result of the course, 29 did not change, and 4 provided unclear responses. Common reasons for no…

  16. Using a Financial Health Model to Provide Context for Financial Literacy Education Research: A Commentary (United States)

    Huston, Sandra J.


    In the article, "Enhancing links between research and practice to improve consumer financial education and well-being" Billy J. Hensley, Director of Education at National Endowment for Financial Education® (NEFE®), outlines his perspective on the current relation between financial education and financial outcome (downstream financial…

  17. The Effect of Personality Traits on Households' Financial Literacy (United States)

    Pinjisakikool, Teerapong


    This article aims at finding the relationship between households' personality traits and their financial literacy level. The data in this research are from the household survey which can represent the population in Dutch. Using the Big Five personality traits and economic locus of control--extraversion, agreeableness, conscientiousness, emotional…

  18. Raising household saving: does financial education work? (United States)

    Gale, William G; Harris, Benjamin H; Levine, Ruth


    This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving. Analysis of the research literature suggests that previous financial literacy efforts have yielded mixed results. Evidence suggests that interventions provided for employees in the workplace have helped increase household saving, but estimates of the magnitude of the impact vary widely. For financial education initiatives targeted to other groups, the evidence is much more ambiguous, suggesting a need for more econometrically rigorous evaluations.


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    Lucian-Ion MEDAR


    Full Text Available Economy and civil society has gone through an unprecedented financial crisis determined by an acute shortage of financial education among the large community of individuals and legal persons. Thus, the low level of economic and financial knowledge from society contributed to the amplification of economic crisis. In 2008, in the midst of financial crisis in the European Union was created Expert Group on Financial Education (EGFE, aimed at supporting a new financial education order. Breaking the vicious circle of banks debt and sovereign one, improvement of supervision European banking system, solving the financial problems of some banks through the mechanism of bank resolution, without recourse to public resources, strengthening the trust of potential customers in the financial market, in the first process of finalizing the Union European banking, can be achieved and by a new order of financial education

  20. Equivalence: A Crucial Financial Concept for Extension, Consumer, and Investor Education (United States)

    Straka, Thomas J.


    Equivalence is a fundamental concept that is the basis of personal financial planning. Any Extension consumer financial education program would need the concept to explain financial products that involve a series of payments over some length of time (pensions, fixed annuities, and mortgages). A table of annuity factors is presented that can be…

  1. Whole Person Learning: Embedding Ethical Enterprise Leadership in Business Education (United States)

    Carter, E. Vincent; Donohue, Mary


    This study introduces a collaborative business education curricular design known as "whole person learning." The post-financial crisis market environment requires business education to encompass curricular, commercial and community skills. Drawing on the Toronto based National Mentoring Program (NMP), "whole person learning"…

  2. College-Based Personal Finance Education: Student Interest in Three Delivery Methods (United States)

    Goetz, Joseph; Cude, Brenda J.; Nielsen, Robert B.; Chatterjee, Swarn; Mimura, Yoko


    Using online survey responses from 509 undergraduate students, three financial education methods (on-campus financial counseling center, online financial management resources, and in-person educational workshops) were examined. Using a social constructionist framework, the analysis controlled for various demographic and financial factors. The…

  3. The Effects of Financial Education and Networks on Business Students' Financial Literacy (United States)

    Chung, Yunhyung; Park, Youngkyun


    This study investigates the joint effects of financial education and educational networks on students' financial literacy. With a sample (N = 105) of senior students in a business college, the study finds that not only financial education, but also strong networks with professors, are positively related to the financial literacy of business…

  4. Improving Financial Literacy : case Study of Financial Education in Schools in Estonia


    Rabtsinski, Deniss


    The thesis discusses the problem of low financial literacy levels that people have in today's world and how financial literacy levels can be improved through school education. It is identified that financial literacy is a complex problem requiring a complex solution (which is yet to be discovered). Financial education can only be part of this complex solution. Even so, financial education encounters similar problems as traditional education: the decay of knowledge and effective retention of l...

  5. Personal Finances during the Economic and Financial Crisis


    Ioana LUPASC; Adrian LUPASC


    The crisis is unfortunately a negative feature specific to recent years which has affected most areas of activity in many countries, including the powerful economical ones. As a direct consequence, the crisis has had a significant and direct impact on people's personal finances. In this paper we propose different solutions which lead to a better administration of personal finances, so that the involved actors to be able to manage difficult situations made by the economic and financial crisis....

  6. Financial literacy and financial literacy education : what might be the components of an effective financial literacy curriculum?


    Lee, Nirmala


    Abstract There is concern about lack of financial literacy and need for financial literacy education, but little or no attempt to understand their nature. Three questions were asked: 'What is financial literacy?', 'What is financial literacy education?' and 'What might be the components of an effective financial literacy curriculum?'. Adopting an inductive grounded theory approach and a pragmatist philosophy, in association with real-world organisations such as the National ...

  7. Pedagogy of Financial Education among College Students

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    Jacob Michael Ben


    Full Text Available The level of economic thinking and financial culture of population should be considered one of the most important components of society’s economic life quality. Here, a key factor is economic and financial socialization of an individual, which can be achieved mainly by modelling appropriate training process technology to promote and ensure financial awareness at the early stages of training in high school and later on in colleges and universities. This paper focuses on one of the options of a unique subject matter (course in Financial Education, for which testing started in 2008 and is successfully continuing in the Department of Business Management of Neri Bloomfield School of Design and Education (Haifa, Israel against the backdrop of a multicultural environment. The study shows the dynamics of the formation of the main teaching methods of the new course. In parallel, we analysed the results of the final examinations of students to further adjust the content and pedagogy of the educational process. The results once again confirmed the urgent need to improve the financial literacy of students in accordance with the challenges of economics and culture in the twenty-first century.


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    Suciu Marta-Christina


    Full Text Available Financial literacy is a need for people responsible for their money. The decisions people made in respect with the money have impact on their future. Their responsibility and the risks assumed increase as long as employers and government responsibility and assumed risks in this respect decrease. Financial education is based on principles such as: active long life learning, individuals needs oriented, part of the early education provided by schools, basic concepts on financial issues and risks oriented. In Romania, financial education is part of school based curriculum. The Ministry of Education recommends all schools interested in delivering financial education programs schools a syllabus for an optional subject focused on financial issues. Banks are also interested to contribute to financial education. They help schools in conducting financial education programs and, additionally, they developed their own financial education programs.

  9. Online Financial Education Programs: Theory, Research, and Recommendations

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    Jinhee Kim


    Full Text Available Technological advances have created unprecedented opportunities for online financial education that can be used to improve financial literacy and money management practices. While online financial education programs have become popular, relevant research and theoretical frameworks have rarely been considered in the development of such programs. This article synthesizes lessons from literature and theories for the development of an effective online financial education program. Drawing from literature on financial literacy education and online education, implications and recommendations for integrating technology into online financial education programs for adults are discussed.

  10. Federal Financial and Economic Literacy Education Programs, 2009 (United States)

    Hung, Angela A.; Mihaly, Kata; Yoong, Joanne K.


    Financial literacy--the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being--is becoming more and more important as individuals and families become increasingly responsible for their own long-term financial well-being. Financial and economic literacy education programs have been…

  11. Strategies for Success in Financial Education. PDP 2009-3 (United States)

    Newberger, Robin G.; Paulson, Anna L.


    The Federal Reserve Bank of Chicago will host a conference, Financial Literacy, Financial Education, and the Federal Reserve: Strategies for Success, on September 11, 2009. This article reviews some of the financial education activities throughout the Federal Reserve System. The topics these initiatives cover include financial skill building,…

  12. Teaching about Personal Finance: The National Standards for Financial Literacy (United States)

    Hill, Andrew T.; Suiter, Mary C.


    In "Proposed National Standards for Financial Literacy: What's In? What's Out?", Maier, Figart, and Nelson pose the question: "How should educators use the standards?" In answering that question, they suggest a number of issues and topics that they believe should be taught along with the "National Standards for…

  13. Modified TAROT for cross-selling personal financial products (United States)

    Tee, Ya-Mei; LEE, Lai-Soon; LEE, Chew-Ging; SEOW, Hsin-Vonn


    The Top Application characteristics Remainder Offer characteristics Tree (TAROT) was first introduced in 2007. This is a modified Classification and Regression Trees (CART) used to help decide which question(s) to ask potential applicants to customise an offer of a personal financial product so that it would have a high probability of take up. In this piece of work the authors are presenting, they have further modified the TAROT to cross TAROT, using its properties and modeling steps to deal with the issue of cross-selling. Since the bank already has ready customers, it would be ideal to cross-sell the financial products seeing that one can ask one (or more) further question(s) based on the initial offer to identify and customise another financial product to offer.


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    Nataliia Kovernuk


    Full Text Available The purpose of writing is to research and analyze the effectiveness of financial resources in vocational education in Ukraine and develop practical recommendations for their improvement. To research and analyze the practices of formation and use of financial resources in vocational education. Research conducted by the methods of empirical knowledge, analysis, clustering, comparison, observation, synthesis, graphical analysis. The measures effective use of financial resources in vocational education in Ukraine. Methodology is actual work of scientists and researchers. Results are exploring of the practice of planning expenditures of state and local budgets for vocational education concluded that in planning expenditure dominates the normative method of budget planning. This discrepancy established approaches to the development of standards of employee’s vocational institutions and expenditures of staff, on the one hand, and the required planning spending on vocational education. When planning educational grants for training labor to local budgets is determined by the amount of expenditures that are relevant to the intergovernmental transfers, which include, in particular, spending on vocational education. Although the legislation stipulates the independence of local budgets and calculation of expenditures that are relevant to the intergovernmental transfers should be done only to determine the amount of educational grants for training labor, in practice there is a significant limitation of the autonomy of local governments in the planning of local budgets. Thus, the deterioration of the efficiency of spending on vocational education due to increasing labor costs and labor charges. The reason for this was the dynamics as increased wages and a change in the number of employees engaged in technical and vocational education. Value. The analysis of public expenditure planning practices and local budgets for vocational education concluded that in


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    Marián Tóth


    Full Text Available The Financial crisis in 2008 increased the focus of financial intermediaries and also national authorities for financial education and financial literacy of households. Bank association in Slovakia started to measure and increase the financial literacy of population and government implemented the National standard of financial literacy into the curriculum of grammar schools and high schools. This paper examines the level of financial literacy of students in Slovakia and the influence of determinants education level and education focus. We performed a questionnaire with 10 questions on a sample of 608 students from two Faculties of Slovak University of Agriculture. The questions were linked to 4 areas: interest, risk management, financial market and personal finance. To measure the level of financial literacy we use Index of financial literacy IFIG. Using Index of financial literacy and Mann-Whitney U test techniques we find that education level and education focus are relevant determinants of financial literacy level. Students with bachelor degree have better results when compared to high school students. The success rate measured by the IFIG of bachelor students was 0,658 and the success rate of high school students was 0,577. We also found differences based on the education focus. We compared two groups: students with economic focus of education with students with non-economic focus of education. Based on our results we can conclude that economic focus of education increases the level of financial literacy. The success rate of students with economic focus of education was significantly higher (0,674 compared to the students with non-economic focus of education (0,553.

  16. Personality, Education and Earnings (United States)

    Silles, Mary A.


    Economists are only beginning to understand the relationship between personality traits and economic outcomes. This paper examines the influence of childhood social maladjustment on cognitive development, labor market earnings and career progression using longitudinal data drawn from the National Child Development Study. Net of differences in…

  17. Review of Family Financial Decision Making: Suggestions for Future Research and Implications for Financial Education (United States)

    Kim, Jinhee; Gutter, Michael S.; Spangler, Taylor


    This article reviews the theories and literature in intrahousehold financial decisions, spousal partners and financial decision making, family system and financial decision process, children, and financial decisions. The article draws conclusions from the literature review and discusses directions for future research and educational programs. Most…

  18. Family Life Education for Remarriage: Focus on Financial Management. (United States)

    Lown, Jean M.; And Others


    Reviews literature on family financial management of remarried couples and describes educational workshop on financial management in remarriage. Proposes five premises based on family developmental conceptual framework. Encourages family life educators to include financial management in remarriage education programs and presents outline for…

  19. 17 CFR 210.3-17 - Financial statements of natural persons. (United States)


    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial statements of... COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES ACT OF 1933, SECURITIES... Financial Statements § 210.3-17 Financial statements of natural persons. (a) In lieu of the financial...

  20. Measuring the Impacts of Financial Literacy: Challenges for Community-Based Financial Education (United States)

    Collins, J. Michael; Holden, Karen C.


    This chapter addresses financial education across the lifespan, which has the potential to enhance adult financial capability, yet methodological barriers and a lack of robust measures have hampered the ability to identify and measure the effects of educational programs on financial decisions and behavior.

  1. Impact of personal economic environment and personality factors on individual financial decision making

    Directory of Open Access Journals (Sweden)

    Susanne ePrinz


    Full Text Available This study on healthy young male students aimed to enlighten the associations between an individual’s financial decision making and surrogate makers for environmental factors covering long-term financial socialization, the current financial security/responsibility, and the personal affinity to financial affairs as represented by parental income, funding situation and field of study. A group of 150 male young healthy students underwent two versions of the Holt and Laury (2002 lottery paradigm (matrix and random sequential version. Their financial decision was mainly driven by the factor ‘source of funding’: students with strict performance control (grants, scholarships had much higher rates of risk aversion (RRA than subjects with support from family (RRAdiff=0.22; p=0.018. Personality scores only modestly affected the outcome. In an ANOVA, however, also the IQ significantly and relevantly contributed to the explanation of variance; the effects of parental income and the personality factors ‘agreeableness’ and ‘openness’ showed moderate to modest – but significant - effects. These findings suggest that environmental factors more than personality factors affect risk aversion.

  2. Impact of personal economic environment and personality factors on individual financial decision making. (United States)

    Prinz, Susanne; Gründer, Gerhard; Hilgers, Ralf D; Holtemöller, Oliver; Vernaleken, Ingo


    This study on healthy young male students aimed to enlighten the associations between an individual's financial decision making and surrogate makers for environmental factors covering long-term financial socialization, the current financial security/responsibility, and the personal affinity to financial affairs as represented by parental income, funding situation, and field of study. A group of 150 male young healthy students underwent two versions of the Holt and Laury (2002) lottery paradigm (matrix and random sequential version). Their financial decision was mainly driven by the factor "source of funding": students with strict performance control (grants, scholarships) had much higher rates of relative risk aversion (RRA) than subjects with support from family (ΔRRA = 0.22; p = 0.018). Personality scores only modestly affected the outcome. In an ANOVA, however, also the intelligence quotient significantly and relevantly contributed to the explanation of variance; the effects of parental income and the personality factors "agreeableness" and "openness" showed moderate to modest - but significant - effects. These findings suggest that environmental factors more than personality factors affect risk aversion.

  3. Are Financial Education Programs Meeting the Needs of Financially Disadvantaged Consumers?


    Yunhee Chang; Angela Lyons


    This paper uses data collected from a retrospective pre-test to investigate he impact that a financial education program has on participants’ financial behaviors. Specifically, we compare program impact across participants with varying levels of financial competency prior to the program and examine whether the program is meeting the educational needs of those it was designed to target – namely, financially disadvantaged consumers. The findings show that the program benefited all of the partic...

  4. Cognitive decline impairs financial and health literacy among community-based older persons without dementia. (United States)

    Boyle, Patricia A; Yu, Lei; Wilson, Robert S; Segawa, Eisuke; Buchman, Aron S; Bennett, David A


    Literacy is an important determinant of health and well-being across the life span but is critical in aging, when many influential health and financial decisions are made. Prior studies suggest that older persons exhibit lower literacy than younger persons, particularly in the domains of financial and health literacy, but the reasons why remain unknown. The objectives of this study were to: (a) examine pathways linking diverse resources (i.e., education, word knowledge, cognitive function, and decision making style) to health and financial literacy among older persons and determine the extent to which the relation of age with literacy represents a direct effect versus an indirect effect due to decrements in specific cognitive functions (i.e., executive functions and episodic memory); and (b) test the hypothesis that declines in executive function and episodic memory are associated with lower literacy among older persons without dementia. Six-hundred and forty-five community-based older persons without dementia underwent detailed assessments of diverse resources, including education, word knowledge, cognitive function (i.e., executive function, episodic memory) and decision making style (i.e., risk aversion), and completed a measure of literacy that included items similar to those used in the Health and Retirement Study, such as numeracy, financial concepts such as compound inflation and knowledge of stocks and bonds, and important health concepts such as understanding of drug risk and Medicare Part D. Path analysis revealed a strong effect of age on literacy, with about half of the effect of age on literacy due to decrements in executive functions and episodic memory. In addition, executive function had an indirect effect on literacy via decision making style (i.e., risk aversion), and education and word knowledge had independent effects on literacy. Finally, among (n = 447) persons with repeated cognitive assessments available for up to 14 years, regression

  5. 17 CFR 210.2-04 - Examination of financial statements of persons other than the registrant. (United States)


    ... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... Qualifications and Reports of Accountants § 210.2-04 Examination of financial statements of persons other than the registrant. If a registrant is required to file financial statements of any other person, such...

  6. Toward a Resident Personal Finance Curriculum: Quantifying Resident Financial Circumstances, Needs, and Interests. (United States)

    McKillip, Ryan; Ernst, Michael; Ahn, James; Tekian, Ara; Shappell, Eric


    Introduction Resident financial health has been linked to wellness and resiliency, yet financial literacy among residents is highly variable. While some medical school curricula include budgeting and student loan education, content on managing finances as a resident is usually lacking. We sought to quantitatively assess residents' financial circumstances, needs, and interests to inform the design of a resident personal finance curriculum. Methods Surveys were sent to residents in eight specialties at an academic medical center. Likert-type responses allowed respondents to rate their level of comfort (1 = Very Uncomfortable, 7 = Very Comfortable) and interest (1 = Very Uninterested, 7 = Very Interested) in various personal finance topics including budgeting, loan repayment, disability insurance, life insurance, home buying, and retirement planning. Details regarding financial circumstances, including assets, liabilities, and insurance, were also collected. Results of questions that utilized a Likert-type scale are reported as median (interquartile range). Results Of 346 residents surveyed, 144 (41.6%) responded. Residents were from Internal Medicine (56, 38.9%), Pediatrics (34, 23.6%), Emergency Medicine (18, 12.5%), and other specialties (36, 25.0%). Ninety-one (63.2%) reported educational loans, with an average balance of $191,730. Credit card balances exceeding $3,000 were reported by 11 (7.6%) respondents. One-hundred-two (70.1%) reported emergency savings, but only 65 (45.1%) reported having a retirement account (average balance $27,608). Respondents rated highest comfort levels with budgeting (5[4-6]), and lowest level of comfort with disability insurance (2[2-4]) and home buying (2[2-5]). Interest in learning each topic was high (6[5-7]), with retirement planning (6[5-7]), investing (6[5-7]), and home buying (6[5-7]) the topics of highest interest. Conclusion These results highlight the deficits in personal finance literacy among residents. Future work should

  7. Misselling as a New Topic of Financial Education? A Didactic Analysis of Investment Advise after the Financial Crisis

    Directory of Open Access Journals (Sweden)

    Dirk Loerwald


    Full Text Available Personal financial investments are, as a matter of course, a topic of economic education because they are a life situation which is inherently economical. In contrast, faulty advising in banks which has become focussed upon due to the extent it has played a part in the recent financial crisis is mentioned neither in curricula nor in educational text books. Numerous private funds have been exposed as unprofitable investments. One reason for this problem is to be found in the marketing staff of the banks who did not invest their customer’s funds securely enough – and the customers did not notice it. What conclusions can be drawn from this for general financial education after the financial crisis? The economic education has failed to address the topic of “faulty advising in banks” as well. On the basis of categorical economic didactics the following contribution will analyse whether one has an exemplary case here upon which students can win generalized, transferable insights. In this context, the topic of personal financial investments will be classified in an efficient manner and the risk of opportunism in advising situations will be analysed with the help of the positive principal-agent theory. The results of this analysis of informational asymmetries within financial markets give direction to the development and revision of curricula in the didactics of economic education. With the following article a sustainable theoretical fundament will be created to underscore the obligatory inclusion of this topic in curricula as well as its realisation for target groups in school text books.

  8. Inclusive education and personal development. (United States)

    Leigh, I


    Open-ended questionnaires covering mainstream educational experiences and personal development of deaf and hard-of-hearing adults were analyzed. Half of the 34 deaf and hard-of-hearing respondents altered self-labels based on changes in personal definitions rather than audiological changes. Supportive school environments and coping skills contributed to positive perceptions; nonsupportive school environments and being treated as 'different' were viewed negatively. Everyone valued contact with hearing peers. Contact with deaf peers depended on finding those with similar values. Identification with Deaf culture was nonexistent. Most noteworthy, 24 of 34 participants felt caught between the deaf and hearing worlds, indicating the need for niches in both. Implications for educators are that development of self-confidence and comfort with identity may be enhanced by validating the deafness dimension through opportunities for contact with deaf adults and positive relationships with both deaf and hearing peers.

  9. Reality Check: OK Extension Helps Teachers Meet Financial Education Requirements (United States)

    St. Pierre, Eileen; Simpson, Mickey; Moffat, Susan; Cothren, Phillis


    According to the Jump$tart Coalition, Oklahoma is one of 24 states to adopt financial education requirements for students (Jump$tart Coalition, 2010). The Passport to Financial Literacy Act of 2007, Oklahoma House Bill 1476, requires Oklahoma students in grades 7 through 12 to fulfill established financial literacy requirements to graduate with a…

  10. A therapist’s perspective of a financial planning course: Implications for financial therapy education and trainings

    Directory of Open Access Journals (Sweden)

    Megan Ann McCoy


    Full Text Available This paper presents the autoethnography of a doctoral Marriage and Family Therapy (MFT student studying finances in a graduate course. A dataset in the form of field notes was created through recording observations and reflective journaling during the 15 week financial planning course. This data set included observations and insights on various skills and knowledge that would be helpful for conducting financial therapy, the professional and personal growth of a therapist integrating finances into her clinical work, and evaluations regarding how financial courses can be beneficial for therapists and planners who are interested in the interaction between relational and financial issues. Based on the first author’s experiences, reflections and conversations with the second author, four themes were developed. The themes were: (a Seeing the Unnoticed: Challenging Implicit Assumptions, (b Critically Examining My Own Money Scripts, (c What can Therapists Learn From the Financial Discipline, and (d What Financial Planners can Learn from the Clinical Disciplines. Implications for the burgeoning field of financial therapy are discussed, with special attention given to cross-discipline education and training.

  11. Income, personality, and subjective financial well-being: The role of gender in their genetic and environmental relationships

    Directory of Open Access Journals (Sweden)

    Michael eZyphur


    Full Text Available Increasing levels of financial inequality prompt questions about the relationship between income and well-being. Using a twins sample from the Survey of Midlife Development in the United States and controlling for personality as core self-evaluations, we found that men, but not women, had higher subjective financial well-being when they had higher incomes. This relationship was due to ‘unshared environmental’ factors rather than genes, suggesting that the effect of income on subjective financial well-being is driven by unique experiences among men. Further, for women and men, we found that core self-evaluations influenced income and subjective financial well-being, and that both genetic and environmental factors explained this relationship. Given the relatively small and male-specific relationship between income and subjective financial well-being, and the determination of both income and subjective financial well-being by personality, we propose that policy makers focus on malleable factors beyond merely income in order to increase subjective financial well-being, including financial education and building self-regulatory capacity.

  12. Usage of Internet Technology in Financial Education and Financial Inclusion by Students of Economics Universities


    B. Frączek


    The paper analyses the usage of the Internet by university students in Visegrad Countries (4V Countries) who study economic fields in their formal and informal financial education and captures the areas of untapped potential of Internet in educational processes. Higher education and training, technological readiness, and the financial market development are in the group of pillars, that are key for efficiency driven economies. These three pillars have become an inspiration to the research on ...



    Suciu Marta-Christina; Lacatus Maria Liana


    Financial literacy is a need for people responsible for their money. The decisions people made in respect with the money have impact on their future. Their responsibility and the risks assumed increase as long as employers and government responsibility and assumed risks in this respect decrease. Financial education is based on principles such as: active long life learning, individuals needs oriented, part of the early education provided by schools, basic concepts on financial issues and risks...

  14. Research on the Undergraduate Financial Engineering Education in China (United States)

    Ma, Haiyong; Zhang, Weiwei


    The rapid development of modern economy has put forward higher requirements for financial engineering education. This paper analyzes the status and problems in undergraduate financial engineering education in china, such as indistinct training objective, rigid curriculum structure, and superficial teaching methods, etc. and puts forward…

  15. Perspectives on Evaluation in Financial Education: Landscape, Issues, and Studies (United States)

    Walstad, William; Urban, Carly; Asarta, Carlos J.; Breitbach, Elizabeth; Bosshardt, William; Heath, Julie; O'Neill, Barbara; Wagner, Jamie; Xiao, Jing Jian


    This review discusses the heterogeneity in the effectiveness of financial education programs that occurs because of the unique conditions for programs and methods to evaluate them. The authors define six groups served by financial education: children, youth, college students and young adults, working adults, military personnel, and low-income…

  16. The Struggles of Financial Aid for Higher Education in Brazil (United States)

    Kussuda, Cintia


    This paper examines the higher education system in Brazil and one of the financial aid policies that the government has established. It seeks to find whether the Fundo de Financiamento ao Estudante do Ensino Superior (FIES), Financing of Higher Education Student, a financial aid program established by the Brazilian government in 1999, addresses…

  17. Global Financial Crisis and Educational Restructuring (United States)

    Peters, Michael A.; Besley, Tina; Paraskeva, João M.


    "Financialisation" is a term that describes an economic system or process that attempts to reduce all value that is exchanged (whether tangible, intangible, future, or present promises, etc.) either into a financial instrument or a derivative of a financial instrument. The original intent of financialization is to be able to reduce any…

  18. Developing a framework to investigate the personal financial management knowledge of individuals

    Directory of Open Access Journals (Sweden)

    Miemie Struwig


    Full Text Available This article focuses on the development of a framework for investigating the personal financial management knowledge of individuals. Content analysis is used to derive the components included in the personal financial management requirements framework. The framework developed includes six components, namely basic concepts in personal finances, management of personal finances, risk management, future planning, investing in financial resources and miscellaneous factors. A qualitative validation process revealed that the framework indeed covers what the average South African citizen is required to know about personal financial planning. The real test of this framework will be to use it in developing an instrument to test individuals’ knowledge of personal financial management. This process of empirically testing the framework, using such an instrument, warrants a separate article.

  19. Personal Financial Literacy among High School Students in New Zealand, Japan and the USA (United States)

    Cameron, Michael P.; Calderwood, Richard; Cox, Ashleigh; Lim, Steven; Yamaoka, Michio


    Personal financial literacy is becoming increasingly important in the modern world, especially for young people. In this article, the authors compare the financial literacy of high school students in Hamilton, New Zealand, with samples from Japan and the USA. The authors compare not only overall financial literacy, but also literacy across five…

  20. 77 FR 46069 - Request for Information on Effective Financial Education (United States)


    ...' financial decision-making capabilities. DATES: Comments must be received on or before October 31, 2012... public disclosure. Sensitive personal information such as account numbers or Social Security numbers... their financial decision making capabilities. OFE is interested in promoting innovation to assist...

  1. Key components of financial-analysis education for clinical nurses. (United States)

    Lim, Ji Young; Noh, Wonjung


    In this study, we identified key components of financial-analysis education for clinical nurses. We used a literature review, focus group discussions, and a content validity index survey to develop key components of financial-analysis education. First, a wide range of references were reviewed, and 55 financial-analysis education components were gathered. Second, two focus group discussions were performed; the participants were 11 nurses who had worked for more than 3 years in a hospital, and nine components were agreed upon. Third, 12 professionals, including professors, nurse executive, nurse managers, and an accountant, participated in the content validity index. Finally, six key components of financial-analysis education were selected. These key components were as follows: understanding the need for financial analysis, introduction to financial analysis, reading and implementing balance sheets, reading and implementing income statements, understanding the concepts of financial ratios, and interpretation and practice of financial ratio analysis. The results of this study will be used to develop an education program to increase financial-management competency among clinical nurses. © 2015 Wiley Publishing Asia Pty Ltd.

  2. Harnessing emotional connections to improve financial decisions : evaluating the impact of financial education in mainstream media


    Berg,Gunhild; Zia,Bilal Husnain


    This paper exploits the emotional connections and viewer attentiveness of mainstream media to evaluate the economic impact of financial education messages on debt management delivered through a popular television soap opera in South Africa. The study uses a symmetric encouragement design to compare outcomes of individuals who were randomly assigned to watch a soap opera with financial mess...

  3. Personal, professional and financial satisfaction among American women urologists

    Directory of Open Access Journals (Sweden)

    Ciara S. Marley


    Full Text Available PURPOSE: Although nearly half of American medical school classes are comprised of women, less than 5% of female medical students enter the surgical subspecialties compared to nearly 20% of male students. Many women are concerned that a career in a surgical field will limit their personal choices. In an effort to evaluate if urology is conducive to a satisfying lifestyle, we surveyed all 365 board certified women urologists in the United States in 2007 to find out how satisfied they are with their choice of urology. MATERIALS AND METHODS: A 114 item anonymous survey was mailed to all 365 American Board Certified female urologists in 2007. Results were analyzed. RESULTS: Of the 244 women (69% who responded, 86.8% (211 reported being satisfied with their decision to enter urology. Given the choice to repeat the decision, 81% (198 said that they would remain in medicine and 91.4% (222 would choose a surgical subspecialty again. The majority of respondents who stated they would choose a career outside of medicine also stated their family life had been significantly compromised by their career. Those who did not think their family life was compromised reported they would remain in medicine. There was a positive correlation between the level of satisfaction with the work itself and with income level (p = 0.006. CONCLUSIONS: Despite the small number of women who choose a career in urology, the number of satisfied women indicates urology is a career conducive to having a balanced and fulfilling life; professionally, personally and financially.

  4. 77 FR 25499 - Notice of Proposed Information Collection: Comment Request; Personal Financial and Credit Statement (United States)


    ... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5607-N-14] Notice of Proposed Information Collection: Comment Request; Personal Financial and Credit Statement AGENCY: Office of the... Proposal: Personal Financial and Credit Statement. OMB Control Number, if applicable: 2502-0001...

  5. Simultaneous Use of the Financial Literacy Level and the Financial Inclusion Degree as a Result of Financial Education Efficiency in Visegrad Group Countries

    Directory of Open Access Journals (Sweden)

    Bożena Frączek


    Full Text Available The appropriate level of financial knowledge and the degree of financial integration needed in today's financialized world. This paper studies the level of financial literacy and the degree of financial inclusion among the students who study economic fields. These students are a special target group - very important for future development of financial markets. They are not only the future participants, but also the potential animators and creators of the financial market as well as the future financial advisors. The research sample comes from Visegrad Group countries (4V Countries, as the representatives from Central and Eastern Europe countries, where the level of financial literacy and degree of financial inclusion seems to be lower in comparison to the West European Countries. The research also contributes to knowledge in the area of expanding the methods of assessments of efficiency of financial education. The Authors decided to verify the new assessment of effectiveness of financial education. It will be conducted by a separate and simultaneous assessment of financial literacy and financial inclusion. The main results of research confirm the very low level of financial literacy and financial inclusion of young future economists in 4V Countries in both groups: starting and finishing the professional financial education. In addition, examining the degree of financial inclusion among the students who at the same time are educated at the basic level confirms the much lower level of informed financial inclusion.

  6. 75 FR 54225 - Comment Request for the Financial Literacy and Education Commission on the Draft National... (United States)


    ... DEPARTMENT OF THE TREASURY Comment Request for the Financial Literacy and Education Commission on the Draft National Strategy, Entitled National Strategy for Financial Literacy 2010 AGENCY: Department... Literacy and Education Commission (Commission) through passage of the Financial Literacy and Education...

  7. Personal finance: there are no shortcuts to financial security. (United States)

    Yarkony, Kathryn


    Perioperative nurses have skills that lend themselves to sound financial decision-making, and during these difficult economic times, it is important to know how to secure earnings for the future. Key strategies include saving for retirement, consulting a financial advisor, investing in reliable vehicles, holding investments until the market stabilizes, and controlling credit card debt. Nurses can use the nursing process of assessment, diagnosis, planning, implementation, and evaluation to help them make sound financial decisions. (c) AORN, Inc, 2009.

  8. Assessing the Personal Financial Problems of Junior Enlisted Personnel

    National Research Council Canada - National Science Library

    Buddin, Richard


    .... Surveys of military personnel show that, particularly for junior personnel, financial problems constitute a major source of stress, subordinate only to increased workload and family separation...

  9. Financial Issues Experienced by Students in Private Higher Education Institutions (United States)

    Alkandari, Nabila Y.


    The study was conducted in order to understand the way in which the financial status of students in Kuwait is affected as a result of enrolling in private higher education institutions. The aim is to analyze whether they face financial issues upon the time of payment and how these issues can be resolved. The analysis was done on a sample of 1280…

  10. How Teacher Educators Can Address Our Nation's Financial Crisis (United States)

    Dowdell, John; McElfresh, Dwight; Sikula, John


    This article from Ashland University reports on what one university, well known for its Teacher Education programs, is doing in an economically depressed state to address our country's financial crisis. Ohio has mandated that financial literacy be taught in high schools by 2010. Reported herein is what is being done to prepare teachers for this…

  11. Evaluation of a Continuing Education Training on Client Financial Capability (United States)

    Frey, Jodi Jacobson; Svoboda, Deborah; Sander, Rebecca L.; Osteen, Philip J.; Callahan, Christine; Elkinson, Audrey


    The researchers conducted an evaluation study assessing outcomes among 37 social workers who completed a continuing education course on financial capability and working with clients. Key constructs assessed included participants' attitudes about financial capability, self-efficacy to provide services, organizational barriers, and basic financial…

  12. Financial Education in TRIO Programs. Institutional Policy Brief (United States)

    Yang, Hannah; Kezar, Adrianna


    To address some of the financial challenges facing low-income students, federal policymakers enacted a provision in the 2008 Higher Education Opportunity Act (HEOA) that makes financial literacy a required service of all TRIO programs (or, in the case of McNair, simply makes permissible). Effective August 2008, these programs started offering…

  13. Financial Intelligence and the Quality of Higher Education in Africa ...

    African Journals Online (AJOL)

    Financial Intelligence and the Quality of Higher Education in Africa. ... Improving the quality of curriculum development in private Universities in Africa from time to time is a task that is very essential to achieving ... AJOL African Journals Online.

  14. Market Failure, Regulation and Education of Financial Advisors

    Directory of Open Access Journals (Sweden)

    Adam Steen


    Full Text Available This paper explores the recent series of financial scandals in the Australian financial advice industry. It examines the causes, consequences and responses to theses scandals by financial institutions, investors and regulators through the lens of relevant finance theory and extant literature. Although the paper focuses on the recent Australian experience the discussion and findings presented are of relevance to financial market regulation worldwide. It is proposed that a combination of compensation, education, training and structural reforms are required to reduce the undesirable effects of information asymmetry, adverse selection and moral hazard in the finance sector.

  15. Financial education, investor protection and international portfolio diversification


    Maela Giofré


    This paper investigates the tension between regulation and financial education in explaining one of the major puzzles in international finance, that is the lack of international diversification. We show that both dimensions are relevant: higher investor’s financial education fosters international investment and stronger minority investor protection legislation attracts inward investment. More interestingly, these factors appear to be substitute in enhancing investor’s portfolio diversificatio...

  16. Enhancing Links between Research and Practice to Improve Consumer Financial Education and Well-Being (United States)

    Hensley, Billy J.


    A recent meta-analysis of the effect of financial literacy and financial education on downstream financial behaviors has shown a weak collective impact of the work of financial education. While the findings are not stellar, they do not support a dismantling of financial education programs and funding. This paper examines the findings of the…

  17. Nurses' Educational Needs Assessment for Financial Management Education Using the Nominal Group Technique. (United States)

    Noh, Wonjung; Lim, Ji Young


    The purpose of this study was to identify the financial management educational needs of nurses in order to development an educational program to strengthen their financial management competencies. Data were collected from two focus groups using the nominal group technique. The study consisted of three steps: a literature review, focus group discussion using the nominal group technique, and data synthesis. After analyzing the results, nine key components were selected: corporate management and accounting, introduction to financial management in hospitals, basic structure of accounting, basics of hospital accounting, basics of financial statements, understanding the accounts of financial statements, advanced analysis of financial statements, application of financial management, and capital financing of hospitals. The present findings can be used to develop a financial management education program to strengthen the financial management competencies of nurses. Copyright © 2015. Published by Elsevier B.V.

  18. Prospective Teachers' Personal Characteristics to Multicultural Education (United States)

    Eskici, Menekse


    The aim of this paper is to determine prospective teachers' personal characteristics to multicultural education. It is also aimed to reveal whether there are meaningful differences in prospective teachers' personal characteristics to multicultural education according to their genders, age and number of siblings. The descriptive model was chosen to…

  19. Personality in learning and education : A review

    NARCIS (Netherlands)

    DeRaad, B; Schouwenburg, HC


    The literature relevant to the combined area of personality and education and learning is summarized, covering almost a century of research and theorizing. Different topics considered important from the aspect of education and learning or from the aspect of personality ape represented. For

  20. 28 CFR 58.25 - Qualifications for approval as providers of a personal financial management instructional course. (United States)


    ... of a personal financial management instructional course. 58.25 Section 58.25 Judicial Administration... Qualifications for approval as providers of a personal financial management instructional course. (a) Definition... personal financial management instructional course must be in compliance with all applicable laws and...

  1. Financial Health of the Higher Education Sector: 2015-16 Financial Results. Data Analysis. March 2017/02 (United States)

    Higher Education Funding Council for England, 2016


    This report provides an overview of the financial health of the Higher Education Funding Council for England (HEFCE) funded higher education sector in England. The analysis covers the financial results for 2015-16. This does not include further education or sixth-form colleges, or alternative providers of higher education.

  2. The personal financial burden of chronic rhinosinusitis: A Canadian perspective. (United States)

    Yip, Jonathan; Vescan, Allan D; Witterick, Ian J; Monteiro, Eric


    Previous studies describe the financial burden of chronic rhinosinusitis (CRS) from the perspective of third-party payers, but, to our knowledge, none analyze the costs borne by patients (i.e., out-of-pocket expenses [OOPE]). Furthermore, this burden has not been previously investigated in the context of a publicly funded health care system. The purpose of this study was to characterize the financial impact of CRS on patients, specifically by evaluating its associated OOPEs and the perceived financial burden. The secondary aim was to determine the factors predictive of OOPEs and perceived burden. Patients with CRS at a tertiary care sinus center completed a self-administered questionnaire that assessed their socioeconomic characteristics, disease-specific quality of life (22-item Sino-Nasal Outcome Test [SNOT-22]), workdays missed due to CRS, perceived financial burden, and direct medical and nonmedical OOPEs over a 12-month period. Total OOPEs were calculated from the sum of direct medical and nonmedical OOPEs. Regression analyses determined factors predictive of OOPEs and the perceived burden. A total of 84 patients completed the questionnaires. After accounting for health insurance coverage and the median direct medical, direct nonmedical, and total OOPEs per patient over a 12-month period were Canadian dollars (CAD) $336.00 (2011) [U.S. $339.85], CAD $129.87 [U.S. $131.86], and CAD $607.10 [U.S. $614.06], respectively. CRS resulted in an average of 20.6 workdays missed over a 12-month period. Factors predictive of a higher financial burden included younger age, a greater number of previous sinus surgeries, financial burden and consider counseling them on strategies to offset expenses, including obtaining travel grants, using telemedicine for follow-up assessments, providing drug samples, and streamlining diagnostic testing with medical visits.

  3. Personal Investment in Higher Education (United States)

    Parzen, Maurine


    Since 2005, in Ontario, RPN's have had the option to return to school to obtain their BScN degree in three years of full time study instead of four years. Many of these students are mature and come with prior family and financial responsibilities that add extra challenges to their learning experience. Questioning their choice of investment in…

  4. Mini soap operas foster financial education and inclusion of women ...

    International Development Research Centre (IDRC) Digital Library (Canada)


    May 4, 2016 ... Mini soap operas foster financial education and inclusion of women in Peru ... they are less vulnerable to external shocks and can invest in health, education, ... was launched to encourage saving among women who received benefits under ... Evaluating vocational training program for women in Brazil.

  5. Teacher Education, the Global Financial Crisis, Frogs and Bicycles (United States)

    Ling, Lorraine


    Background: The extent to which the global financial crisis (GFC) has impacted upon teacher education in universities in Australia is potentially, like most other aspects of teacher education, a contested area. Purpose, aims/questions: The aim of this article is to examine the impact the GFC along with other funding constraints, has had on teacher…

  6. Does Webinar-Based Financial Education Affect Knowledge and Behavior? (United States)

    Johnson, Carrie L.; Schumacher, Joel B.


    Using webinar delivery for Extension financial education programs allows educators to reach a broader range of clientele. It can, however, be difficult to gauge participants' learning of concepts in an online environment. Evaluations of two webinar series, one in Montana and the other in South Dakota, sought to determine the effectiveness of using…

  7. 31 CFR 0.217 - Personal financial interests. (United States)


    ... hold the following financial interests without violating 18 U.S.C. 208(a): (1) The stocks or bonds of a publicly traded corporation with a value of $1000 or less; and (2) The stocks or bonds in the investment portfolio of a diversified mutual fund in which an employee has invested. (b) The Department has found that...


    Directory of Open Access Journals (Sweden)

    Liliane Souza Santos


    Full Text Available The problem of personal debt is becoming more present in people's lives. What was once considered a personal problem only became a problem in part of the organizations, as when the employee is indebted, he ends up bringing their problems into the company. With that financial education has become increasingly important for companies. Today, 5% of large companies in Brazil have already inserted financial education for their employees. This research shows that recurring problems with debts lead employees to lose focus in their activities, to commit more errors in the process, missing more work and, in extreme cases, to resign in order to receive the guarantee fund for the working time. With financial education, employees learn to manage their finances, repay their debts and not acquiring debts that can not repay. Employees with no financial problems, increase productivity and quality of the process also. The advantage is for the company and the employee.

  9. Application of MOOCs for borrowers’ financial education in microfinance

    Directory of Open Access Journals (Sweden)

    Md. Abul Kalam Siddike


    Full Text Available The main objective of this research was to explore current borrowers’ financial education in microfinance and determine the possibilities of adopting massive open online courses (MOOCs for such individuals. We adopted a semi-structured interview research strategy. A total of 25 employees and borrowers in BRAC’s (Bangladesh Rehabilitation Assistance Committee and then Bangladesh Rural Advancement Committee, currently, BRAC does not represent an acronym microfinance program were interviewed and the data were analyzed qualitatively. The results show that BRAC’s microfinance program provides borrowers’ financial education in terms of a pre-disbursement orientation and four-day training through the creation of a new role of customer service assistant. The results also reveal that edu-entertainment, easy understanding, and more borrower participation are the main possible opportunities for adopting MOOCs for borrowers’ financial education. We identified infrastructure, Internet connection, and funding as possible hindrances to adopting MOOCs for financial education. Finally, we propose a framework for adopting MOOCs for borrowers’ financial education in microfinance.

  10. The European platform for financial education as incentive for the national efforts in implementing financial literacy programs: The case of the Association of Serbian Banks

    Directory of Open Access Journals (Sweden)

    Sredojević Slađana


    Full Text Available A sustainable financial system relies on two pillars: the functional and healthy financial institutions, as well as the financially competent customers-investors-entrepreneurs. The responsibility for the implementation of training programs and preparation for the well-informed choice does not lie only with the natural persons and legal entities. This is a shared responsibility of different stakeholders: individuals, families, small and medium enterprises, public administration, the Ministry of Education, the financial services sector, employers and representatives of trade unions and consumer protection organizations as well as other civil society initiatives. A prime example of such an integrated approach towards the same goal is the European Platform for Financial Education, an initiative launched by the European Banking Federation, the European Banking Training Network and other institutions (professional associations, in February 2017 in Brussels as an incentive for the national level efforts in implementing the respective financial literacy programs. In this paper we analyzed the importance and role of the European Platform for Financial Education in the case of the Serbian banking sector through the activities of the Association of Serbian Banks. These activities will be implemented by the Association of Banks of Serbia continuously throughout the year, and after the celebration of the European Money Week on 27-31 March 2017.

  11. A Person-Centered Approach to Financial Capacity Assessment: Preliminary Development of a New Rating Scale. (United States)

    Lichtenberg, Peter A; Stoltman, Jonathan; Ficker, Lisa J; Iris, Madelyn; Mast, Benjamin


    Financial exploitation and financial capacity issues often overlap when a gerontologist assesses whether an older adult's financial decision is an autonomous, capable choice. Our goal is to describe a new conceptual model for assessing financial decisions using principles of person-centered approaches and to introduce a new instrument, the Lichtenberg Financial Decision Rating Scale (LFDRS). We created a conceptual model, convened meetings of experts from various disciplines to critique the model and provide input on content and structure, and select final items. We then videotaped administration of the LFDRS to five older adults and had 10 experts provide independent ratings. The LFDRS demonstrated good to excellent inter-rater agreement. The LFDRS is a new tool that allows gerontologists to systematically gather information about a specific financial decision and the decisional abilities in question.

  12. The financial hazard of personalized medicine and supportive care

    NARCIS (Netherlands)

    Carrera, Percivil Melendez; Olver, Ian


    Personalized medicine is revolutionizing the delivery of oncological care, promising benefits both at the patient and health system levels. The cost of targeted therapies, unfortunately, is becoming more expensive and unaffordable. Where supportive care in cancer concerns the prevention and

  13. 17 CFR 210.3-09 - Separate financial statements of subsidiaries not consolidated and 50 percent or less owned persons. (United States)


    ... financial statements of subsidiaries not consolidated and 50 percent or less owned persons. (a) If any of... consolidated financial statements required by §§ 210.3-01 and 3-02. However, these separate financial... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Separate financial statements...

  14. Information Base of Financial Analysis of Educational Institutions of Higher Education

    Directory of Open Access Journals (Sweden)

    Alexander A. Galushkin


    Full Text Available In this article author analyzes issues related to the formation of information base analysis of the financial condition of educational institutions of higher education. Author notes that are significantly different principles of financial (accounting statements of non-governmental and government (budget of educational institutions of higher professional education. In conclusion, author notes that when analyzing the financial condition of the group of higher professional education institutions, they can be classified into subgroups, depending on the benefits of a species (subspecies of funding and revenue.

  15. Producing a worthy illness: Personal crowdfunding amidst financial crisis. (United States)

    Berliner, Lauren S; Kenworthy, Nora J


    For Americans experiencing illnesses and disabilities, crowdfunding has become a popular strategy for addressing the extraordinary costs of health care. The political, social, and health consequences of austerity--along with fallout from the 2008 financial collapse and the shortcomings of the Affordable Care Act (ACA)--are made evident in websites like GoFundMe. Here, patients and caregivers create campaigns to solicit donations for medical care, hoping that they will spread widely through social networks. As competition increases among campaigns, patients and their loved ones are obliged to produce compelling and sophisticated appeals. Despite the growing popularity of crowdfunding, little research has explored the usage, impacts, or consequences of the increasing reliance on it for health in the U.S. or abroad. This paper analyzes data from a mixed-methods study conducted from March-September 2016 of 200 GoFundMe campaigns, identified through randomized selection. In addition to presenting exploratory quantitative data on the characteristics and relative success of these campaigns, a more in-depth textual analysis examines how crowdfunders construct narratives about illness and financial need, and attempt to demonstrate their own deservingness. Concerns with the financial burdens of illness, combined with a high proportion of campaigns in states without ACA Medicaid expansion, underscored the importance of crowdfunding as a response to contexts of austerity. Successful crowdfunding requires that campaigners master medical and media literacies; as such, we argue that crowdfunding has the potential to deepen social and health inequities in the U.S. by promoting forms of individualized charity that rely on unequally-distributed literacies to demonstrate deservingness and worth. Crowdfunding narratives also distract from crises of healthcare funding and gaping holes in the social safety net by encouraging hyper-individualized accounts of suffering on media platforms

  16. Ergonomics, education and children: a personal view. (United States)

    Woodcock, A


    Educational ergonomics - the teaching of ergonomics and the design of environments where ergonomics teaching and learning might occur - has received little attention from ergonomists. This paper first describes the roots of the author's interest and research in educational ergonomics; second it provides a personal view of the opportunities and challenges posed by the two streams of educational ergonomics; and lastly it considers the implications of teaching ergonomics to children in terms of their personal development, the design of schools and the impact such initiatives might have on wider societal problems.

  17. Reforming the educated person in Bolivia


    Uski, Juha Janne Olavi


    The Bolivian educational reform law nr. 070 was approved in 2010 and its implementation is beginning in 2012. Basing itself on a combination of Marxist and Cultural Studies -influenced theories, the thesis examines the tensions between the vision of Law 070 and the conditions and aspirations of the stakeholders. A central concept in this discussion is ”the cultural production of the educated person”, and the development of the concept of the educated person through the history of Bolivia is d...

  18. Smarter Spending: Reforming Federal Financial Aid for Higher Education (United States)

    Gillen, Andrew


    In higher education, three generally recognized rationales for federal involvement in financial aid exist: (1) Promoting equality of opportunity: Those from poor households are less likely to attend college for a variety of reasons; (2) Credit market imperfections: Students may not have access to the credit needed to make profitable investments in…

  19. Allocation of financial resource to enhance educational productivity ...

    African Journals Online (AJOL)

    This study examines the allocation of financial resource to the education industry and how it enhances productivity and students' outcomes of the secondary schools' students in the Unity Colleges in Ogun state. It adopted ex-post factor research design and purposeful sample and sampling technique for the study. Scholars' ...

  20. The Asian Financial Crisis, Globalisation and Popular Education. (United States)

    Brown, Tony


    Globalization is a confused and confusing term being used to explain a wide range of phenomena. It is presented as being outside anyone's control, neutral, and free of class interests. The Asian financial crisis illustrates that human agency still plays a role. Popular educators can help reinforce the idea that collective action does make a…

  1. Financial Information 2016: Australian Vocational Education and Training Statistics (United States)

    National Centre for Vocational Education Research (NCVER), 2017


    This publication provides financial information on the government-funded vocational education and training (VET) system in Australia. Reporting includes VET funds transacted through government accounts of the Australian and state and territory government departments and their controlled training organisation entities such as TAFE institutes and…

  2. Education and Training and the Avoidance of Financial Disadvantage (United States)

    Marks, Gary N.


    Making use of the longitudinal data from the Household, Income and Labour Dynamics in Australia (HILDA) survey, this study examines the relationship between post-school qualifications and financial disadvantage among Australians during the period 2001 to 2008. Specifically, it is concerned with the extent that education and training, vis-a-vis…

  3. The Influence of Financial Performance on Higher Education Academic Quality (United States)

    Montanaro, Marilee Kaye Fannon


    A variety of academic and financial performance metrics are used to assess higher education institution performance. However, there is no consensus on the best performance measures. Signaling theory and agency theory are used to frame the challenges of assessing post-secondary institution performance related to information asymmetry between the…

  4. Improving Financial Education and Awareness on Insurance and Private Pensions (United States)

    OECD Publishing (NJ3), 2008


    With public pensions under pressure and private pensions exposed to risk, individuals face an increasing variety of financial risks, particularly those linked to their retirement. This book analyzes the level of risk awareness of consumers and highlights good practices governments might initiate to enhance consumers' awareness and education on…

  5. Financial Inequity in Basic Education in Selected OECD Countries (United States)

    Zhang, Yu; Mizunoya, Suguru; You, You; Tsang, Mun


    This is a study of financial disparities in primary and secondary education in OECD countries that have a relatively large population and a school finance system with decentralized features. These countries include the United States, Britain, Australia, Spain, Canada, and Japan. There are two major research questions: What are the trends in…

  6. Evaluation Strategies in Financial Education: Evaluation with Imperfect Instruments (United States)

    Robinson, Lauren; Dudensing, Rebekka; Granovsky, Nancy L.


    Program evaluation often suffers due to time constraints, imperfect instruments, incomplete data, and the need to report standardized metrics. This article about the evaluation process for the Wi$eUp financial education program showcases the difficulties inherent in evaluation and suggests best practices for assessing program effectiveness. We…

  7. Personalized medicine: the absence of 'model-changing' financial incentives. (United States)

    Keeling, Peter


    This perspective biases on the side that personalized medicine can contribute to a more efficient collective model; however, the hard economics need and deserve significantly more critical analysis and new data input than they are currently being given, to determine their role, or not, in driving change. Put simply, as with the birth of all new and promising developments in healthcare, myth, hope and trend-spotting are driving this market forward, rather than any hard evidence of a sustainable commercial business model for all stakeholders. While there are clear economic benefits to aspects of delivery along the way to personalized care, there may in fact be no compelling economic drivers for radical change for payers and the pharmaceutical industry. The best they can hope to achieve is that the balance sheet is, just that, in balance.

  8. Financial Health of the Higher Education Sector: Financial Results and TRAC Outcomes 2013-14. Issues Paper 2015/07 (United States)

    Higher Education Funding Council for England, 2015


    This report provides an overview of the financial health of the Higher Education Funding Council for England (HEFCE)-funded higher education sector in England. The analysis covers financial results for the academic year 2013-14, as submitted to HEFCE in December 2014, as well as the outcomes from the sector's Transparent Approach to Costing (TRAC)…

  9. Teachers’ Personality in the Process of Education

    Directory of Open Access Journals (Sweden)

    Jozek Milan


    Full Text Available There is something in everyone that does not change. The personality of a teacher or an educator stays in the centre of educational work. The personal contact and dialogic disposition of a teacher helps to form the personal potential of a human being to overcome the difficulties and contribute to the optimal functioning in a social environment. The process of learning and the growth of personality belong to a category of interpersonal relationships. A very strong emphasis is placed on the so called “methods of dialogue“, which can not only reduce destructive influences, but also teaches us how to accept criticism in a non-offensive way. Everything should take place in an open climate without judgement.

  10. Work engagement and financial returns : a diary study on the role of job and personal resources

    NARCIS (Netherlands)

    Xanthopoulou, D.; Bakker, A.B.; Demerouti, E.; Schaufeli, W.B.


    This study investigates how daily fluctuations in job resources (autonomy, coaching, and team climate) are related to employees' levels of personal resources (self-efficacy, self-esteem, and optimism), work engagement, and financial returns. Forty-two employees working in three branches of a

  11. The Effectiveness of Youth Financial Education: A Review of the Literature (United States)

    McCormick, Martha Henn


    Comprehensive strategies for educating children and youth so they can become effective managers of money and successful navigators of a complex financial marketplace have not yet emerged from the dialogue and debate surrounding financial education. A rich and growing body of research about adult financial education exists, but youth financial…

  12. A Review of Financial-Literacy Education Programs for Children and Adolescents (United States)

    Amagir, Aisa; Groot, Wim; Maassen van den Brink, Henriëtte; Wilschut, Arie


    In this systematic literature review, we evaluate the effectiveness of financial-literacy education programs and interventions for children and adolescents. Furthermore, the key characteristics of the design of a successful financial-education curriculum are described. The evidence shows that school-based financial-education programs can improve…

  13. School Ethos and Personal, Social, Health Education (United States)

    Brown, Jackie; Busfield, Robert; O'Shea, Alison; Sibthorpe, Joanne


    This paper will discuss research undertaken within a London borough in 2009 that aimed to examine how Personal, Social, Health and Economic education (PSHE) was perceived and delivered. The ethos of schools was incorporated into the enquiry as a key determinate of both perception and delivery of PSHE. The findings are presented with particular…

  14. Personality traits in learning and education

    NARCIS (Netherlands)

    De Raad, B.

    Personality traits judged relevant for the context of learning and education are identified as a subset of a comprehensive set of 1203 trait descriptive adjectives, constructed by Brokken (1979). The identification procedure is described and relevant statistics are provided. Self- and peer-ratings

  15. Personality Types, Learning Styles, and Educational Goals. (United States)

    Miller, Alan


    Outlines a new personality typology that provides a coherent system for construing and conducting research on learning styles. Discusses analytic, holistic, objective, and subjective styles as the affect versatility. Presents implications for educational goals, such as determining which students can benefit from stylistic versatility and which…

  16. Collaborating with Industry to Enhance Financial Planning and Accounting Education

    Directory of Open Access Journals (Sweden)

    Mark Brimble


    Full Text Available Higher education is integral to the professionalisation of financial planning in Australia. However, thetraditional separation between ‘content’ and ‘practice’ in tertiary curriculum does not necessarily equipstudents with the skills required to apply the content in a professional context. Contextualisation of thefinancial planning curriculum requires collaboration between higher education institutions and the professionto develop authentic learning environments, such as work-integrated learning (WIL. This paper describes thecollaboration by one Australian university to develop a professionally integrated Financial Planning andAccounting degree and provides evidence of its impact from an industry perspective. The results reveal a highlevel of industry satisfaction with the degree, substantial professional integration, as well as the developmentof students’ professional skills. Students also developed an improved impression of the university, its studentsand its staff.

  17. Financial Education Through Mathematics and IT Curricula: Pocket Money Management


    Gortcheva, Iordanka


    Report published in the Proceedings of the National Conference on "Education in the Information Society", Plovdiv, May, 2013 Mathematics and IT classes in the Bulgarian school provide various opportunities for developing students’ logical, mathematical, and technological thinking. Being an important part of mathematical literacy, financial literacy can be systematically built in the frame of national mathematics and IT curricula. Following that objective, exemplary word problems ...

  18. An assessment of residents' and fellows' personal finance literacy: an unmet medical education need. (United States)

    Ahmad, Fahd A; White, Andrew J; Hiller, Katherine M; Amini, Richard; Jeffe, Donna B


    This study aimed to assess residents' and fellows' knowledge of finance principles that may affect their personal financial health. A cross-sectional, anonymous, web-based survey was administered to a convenience sample of residents and fellows at two academic medical centers.  Respondents answered 20 questions on personal finance and 28 questions about their own financial planning, attitudes, and debt. Questions regarding satisfaction with one's financial condition and investment-risk tolerance used a 10-point Likert scale (1=lowest, 10=highest).  Of 2,010 trainees, 422 (21%) responded (median age 30 years; interquartile range, 28-33). The mean quiz score was 52.0% (SD = 19.1). Of 299 (71%) respondents with student loan debt, 144 (48%) owed over $200,000.  Many respondents had other debt, including 86 (21%) with credit card debt. Of 262 respondents with retirement savings, 142 (52%) had saved less than $25,000. Respondents' mean satisfaction with their current personal financial condition was 4.8 (SD = 2.5) and investment-risk tolerance was 5.3 (SD = 2.3). Indebted trainees reported lower satisfaction than trainees without debt (4.4 vs. 6.2, F (1,419) = 41.57, p < .001).   Knowledge was moderately correlated with investment-risk tolerance (r=0.41, p < .001), and weakly correlated with satisfaction with financial status (r=0.23, p < .001). Residents and fellows had low financial literacy and investment-risk tolerance, high debt, and deficits in their financial preparedness.  Adding personal financial education to the medical education curriculum would benefit trainees.  Providing education in areas such as budgeting, estate planning, investment strategies, and retirement planning early in training can offer significant long-term benefits.

  19. Nurses' Educational Needs Assessment for Financial Management Education Using the Nominal Group Technique


    Wonjung Noh, PhD, RN; Ji Young Lim, PhD, RN, MBA


    Purpose: The purpose of this study was to identify the financial management educational needs of nurses in order to development an educational program to strengthen their financial management competencies. Methods: Data were collected from two focus groups using the nominal group technique. The study consisted of three steps: a literature review, focus group discussion using the nominal group technique, and data synthesis. Results: After analyzing the results, nine key components were s...

  20. Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility (United States)

    Anderson, Carla; Card, Karen


    The purpose of this quasi-experimental nonequivalent control group study was to determine the influence that a financial education intervention administered in First Year Experience courses had on students' perceptions of their financial behavior such as compulsive spending and credit card use. This study utilized the five-point Likert-type…

  1. Integrating Financial Aid and Financial Policies: Case Studies from Five States. Changing Direction: Integrating Higher Education Financial Aid and Financing Policies. (United States)

    Western Interstate Commission for Higher Education, Boulder, CO.

    This report is a collection of five state case studies comprising a major component of the first phase of the project, "Changing Direction: Integrating Higher Education Financial Aid and Financing Policies." The project explored state-level strategies to better align financing and financial aid policies and support more informed decision…

  2. Personalized augmented reality for anatomy education. (United States)

    Ma, Meng; Fallavollita, Pascal; Seelbach, Ina; Von Der Heide, Anna Maria; Euler, Ekkehard; Waschke, Jens; Navab, Nassir


    Anatomy education is a challenging but vital element in forming future medical professionals. In this work, a personalized and interactive augmented reality system is developed to facilitate education. This system behaves as a "magic mirror" which allows personalized in-situ visualization of anatomy on the user's body. Real-time volume visualization of a CT dataset creates the illusion that the user can look inside their body. The system comprises a RGB-D sensor as a real-time tracking device to detect the user moving in front of a display. In addition, the magic mirror system shows text information, medical images, and 3D models of organs that the user can interact with. Through the participation of 7 clinicians and 72 students, two user studies were designed to respectively assess the precision and acceptability of the magic mirror system for education. The results of the first study demonstrated that the average precision of the augmented reality overlay on the user body was 0.96 cm, while the results of the second study indicate 86.1% approval for the educational value of the magic mirror, and 91.7% approval for the augmented reality capability of displaying organs in three dimensions. The usefulness of this unique type of personalized augmented reality technology has been demonstrated in this paper. © 2015 Wiley Periodicals, Inc.

  3. Reducing Fraudulent Financial Reporting: An Expanded Role for Business Education in the 1990s. (United States)

    Urbancic, Frank R.


    The author reports findings of the National Commission on Fraudulent Financial Reporting concerning the role of business education in reducing fraud in financial reporting. Issues covered include teaching financial regulations, developing skills needed to detect fraud, teaching ethical values, and preparing faculty to teach about financial fraud.…

  4. A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach (United States)

    Goetz, Joseph W.; Durband, Dorothy B.; Halley, Ryan E.; Davis, Kimberlee


    This paper presents a peer-based financial planning and education program as a strategy to address the lack of financial literacy among college students and provide an experiential learning opportunity for students majoring in financial planning or other financial services-related disciplines. Benefits of such programs to campus communities are…

  5. Health, work, social trust, and financial situation in persons with Usher syndrome type 1. (United States)

    Ehn, Mattias; Wahlqvist, Moa; Danermark, Berth; Dahlström, Örjan; Möller, Claes


    Research has demonstrated that persons with Usher syndrome type 1 (USH1) have significantly poorer physical and psychological health compared to a reference group. To explore the relation between work, health, social trust, and financial situation in USH1 compared to a reference group. Sixty-six persons (18-65 y) from the Swedish Usher database received a questionnaire and 47 were included, 23 working and 24 non-working. The reference group comprised 3,049 working and 198 non-working persons. The Swedish Health on Equal Terms questionnaire was used and statistical analysis with multiple logistic regression was conducted. The USH1 non-work group had a higher Odds ratio (95% CI) in poor psychological and physical health, social trust, and financial situation compared to the USH1 work group and reference groups. Age, gender, hearing, and vision impairment did not explain the differences. The relation between the USH1 work and non-work groups showed the same pattern as the reference groups, but the magnitude of problems was significantly higher. Both disability and unemployment increased the risk of poor health, social trust and financial situation in persons with USH1, but having an employment seemed to counteract the risks related to disability.

  6. The Role of Financial Education in Retirement Planning

    Directory of Open Access Journals (Sweden)

    Michael Ntalianis


    Full Text Available Governments in many countries are facing the challenge of providing sufficient retirement incomes for apopulation that is ageing as a result of lower mortality and fertility rates. An ageing population placesconsiderable financial stress on government budgets as spending on welfare increases, further compoundedby a proportional reduction in working-age taxpayers. Exposure to financial education programs canpositively influence the retirement planning and savings behaviour of individuals. Research indicates thatseminars, written communications and website information are effective methods in communicating financialeducation. In this study an investigation is conducted into the views of retirement fund members regardingelements of financial education resources made available to them through their retirement fund. Four aspectsare investigated, that is, whether there are differences with respect to members’ views between the genders,older and younger members, levels of qualification, and size of superannuation balances. Empirical evidencesuggests that gender and age are important factors with females and younger people less likely to utiliseeducational information and more at risk of not accumulating sufficient funds for retirement.

  7. Financial and Emotional Support in Close Personal Ties among Central Asian Migrant Women in Russia. (United States)

    Kornienko, Olga; Agadjanian, Victor; Menjívar, Cecilia; Zotova, Natalia


    This study advances research on the role of personal networks as sources of financial and emotional support in immigrants' close personal ties beyond the immediate family. Because resource scarcity experienced by members of immigrant communities is likely to disrupt normatively expected reciprocal support, we explored multi-level predictors of exchange processes with personal network members that involve (1) only receiving support, (2) only providing support, and (3) reciprocal support exchanges. We focus on an understudied case of Central Asian migrant women in the Russian Federation using a sample of 607 women from three ethnic groups-Kyrgyz, Tajik, Uzbek-who were surveyed in two large Russian cities-Nizhny Novgorod and Kazan. The survey collected information on respondents' demographic, socioeconomic, and migration-related characteristics, as well as characteristics of up to five individuals with whom they had a close relationship. Multi-level multinomial regression analyses were used to account for the nested nature of the data. Our results revealed that closer social relationships (siblings and friends) and greater levels of resources (income and regularized legal status) at both ego and alter levels were positively related to providing, receiving, and reciprocally exchanging financial and emotional support. Egos were more likely to provide financial assistance to transnational alters, whereas they were more likely to engage in mutual exchanges of emotional support with their network members from other countries. Personal network size and density showed no relationship with support exchanges. These findings provide a nuanced picture of close personal ties as conduits for financial and emotional support in migrant communities in a major, yet understudied, migrant-receiving context.

  8. Physical active rest in education of active personality of students

    Directory of Open Access Journals (Sweden)

    Zaycev V.P.


    Full Text Available Meaningfulness of physical recreation is rotined in education of active personality of students. Research material is literary sources on this issue. Factors which influence on an educate function of personality of students are considered. Application of physical recreation is grounded for education of active personality of students. It is marked that physical recreation in pedagogical process decides educate, educational, health and social tasks. It positively influences on education of active personality of students. It is rotined that in education of active personality of students an important role is played by their research activity.

  9. Cross-Referencing National Standards in Personal Finance for Business Education with National Standards in Personal Finance Education (United States)

    Gayton, Jorge


    The purpose of this study was to determine the extent to which National Standards in Personal Finance for Business Education correlate with National Standards in Personal Finance Education. A content analysis revealed that the National Standards in Personal Finance for Business Education, established by the National Business Education Association…

  10. Under Constant Attack: Personal Reflections of a Teacher Educator. (United States)

    Hunter, Elizabeth


    The personal reminiscences of a teacher educator ready to retire touch on changing attitudes toward education and the consequences of those attitudes: the shifting character of the bitter criticism teacher educators must endure whatever the current educational fashion. (PGD)

  11. Key Financial Metrics on Australia's Higher Education Sector--December 2016 (United States)

    Australian Government Tertiary Education Quality and Standards Agency, 2016


    This report is the second release of financial information held by Tertiary Education Quality and Standards Agency (TEQSA). It provides a snapshot of selected key financial metrics across the Australian higher education sector. Data in this report has been sourced from TEQSA's 2015 data collection and relates to financial years ended 31 December…

  12. 75 FR 43502 - Office of Vocational and Adult Education; Overview Information; Financial Education for College... (United States)


    ... DEPARTMENT OF EDUCATION Office of Vocational and Adult Education; Overview Information; Financial... continuous improvement. For this reason, the Secretary is establishing a competitive preference priority for...). Competitive Preference Priority: This priority is a competitive preference priority. Under 34 CFR 75.105(c)(2...

  13. The impact of personal financial wellbeing on total employee cost / Fanus Jansen van Vuren


    Jansen van Vuren, Fanus


    The present fast-changing economic environment contributes to the daily challenges faced by organisations in their attempts to maintain a competitive edge. Employees need to be innovative continuously and maintain high levels of productivity in order to reach organisational goals. From a global perspective, a lot of research has been done concerning personal financial wellbeing, yet very little research on this topic could be found in the South African context. Seeing that intellectual capita...


    Directory of Open Access Journals (Sweden)

    Svitlana Kropelnytska


    Full Text Available The article systematizes approaches to financial support and social adaptation of internally displaced persons (IDPs as well as their social protection, that is based on the analysis of legal framework, situation and sources of financial and social support to the EU member states of the IDPs in Ukraine and their social security. The study of the IDPs situation and the assessment of the required resources are based on a cluster approach, which defines optimal set of problem areas requiring priority social and financial support. This allowed to develop practical recommendations for the development of a comprehensive, transparent and unified policy of social protection through the development of a conceptual framework for the financial and economic provision of social protection IDPs, which will be the basic solution to the problems of social and financial provision forced migrants in Ukraine. Key words: forced migrants, internally displaced persons, cluster, social policy, social protection, social providing, financial providing.

  15. Financial Crisis Management in Higher Education: Responses by 20 Private Colleges and Universities to the 2007-2009 Financial Crisis (United States)

    Dorantes, Andrew R.; Low, Justin R.


    As a result of the Great Recession, higher education in the United States suffered from the most significant financial crisis since the Great Depression (Breneman 2008; Zumeta 2010). This crisis affected all institutions of higher education since it challenged three major revenue sources: net tuition income, endowment income, and gift income…

  16. On Teachers' Sound Personality in Modern Higher Education

    Institute of Scientific and Technical Information of China (English)

    加鹏飞; 黄丽颖; 姜丽


    This paper aims at the discussion on teachers' personality. Personality education has already been regarded as a part of whole education. Thus it is very necessary for those who are teachers or who are going to be teachers to know something about teachers' personality. This paper intends to discuss teachers' personality from the following aspects: what is teachers' personality; what are the standards of a sound personality of a teacher; what the effects of teacher's personality on students are; how to develop a sound personality.

  17. 25 CFR 47.8 - Who develops the local educational financial plans? (United States)


    ... Section 47.8 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR EDUCATION UNIFORM DIRECT FUNDING AND SUPPORT FOR BUREAU-OPERATED SCHOOLS § 47.8 Who develops the local educational financial plans? The local Bureau-operated school supervisor develops the local educational financial plan in active...

  18. 25 CFR 47.6 - Who has access to local education financial records? (United States)


    ... 25 Indians 1 2010-04-01 2010-04-01 false Who has access to local education financial records? 47.6 Section 47.6 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR EDUCATION UNIFORM DIRECT FUNDING AND SUPPORT FOR BUREAU-OPERATED SCHOOLS § 47.6 Who has access to local education financial records...

  19. Mechanism of financial support of education: legislative basis of power distribution

    Directory of Open Access Journals (Sweden)

    O. S. Kotsovska


    Full Text Available The article studies the legislative basis of power distribution as a basic component of the mechanism of financial support of education at the regional level. Budgetary expenditure on education has been analyzed. It has been grounded and proposed to transfer the authority of financial support of education to appropriate regional and district administrations within the frameworks of decentralisation.

  20. 17 CFR 449.3 - Form G-FIN-4, notification by persons associated with financial institutions that are government... (United States)


    ... § 400.4 of this chapter. This form is to be used by associated persons of financial institutions that... Governors of the Federal Reserve System, the Comptroller of the Currency, the Federal Deposit Insurance...

  1. Organizational culture in the financial sector : evidence from a cross-industry analysis of employee personal values and career success

    NARCIS (Netherlands)

    van Hoorn, André


    We assess the organizational culture in the finance industry in relation to the global financial crisis (GFC) and consider the potential of cultural change to improve the financial sector. To avoid (response) biases, we build on the person-organization (P-O) fit literature and develop a novel,

  2. Organizational Culture in the Financial Sector: Evidence from a Cross-Industry Analysis of Employee Personal Values and Career


    van Hoorn, Andre


    We assess the organizational culture in the finance industry in relation to the global financial crisis (GFC) and consider the potential of cultural change to improve the financial sector. To avoid (response) biases, we build on the person-organization (P-O) fit literature and develop a novel, indirect method for assessing organizational culture that revolves around relationships between employees’ personal traits and their career success in the industry or organization under study. We analyz...

  3. Curbing the Financial Exploitation of the Poor: Financial Literacy and Social Work Education (United States)

    Karger, Howard


    The article investigates the importance of financial literacy content for social work students who at some point in their career will encounter financially-excluded clients. Financial literacy content can include understanding how fringe economy businesses operate, including their business model, knowledge of local and national nonpredatory…

  4. Financial socialization of first-year college students: the roles of parents, work, and education. (United States)

    Shim, Soyeon; Barber, Bonnie L; Card, Noel A; Xiao, Jing Jian; Serido, Joyce


    This cross-sectional study tests a conceptual financial socialization process model, specifying four-levels that connect anticipatory socialization during adolescence to young adults' current financial learning, to their financial attitudes, and to their financial behavior. A total of 2,098 first-year college students (61.9% females) participated in the survey, representing a diverse ethnic group (32.6% minority participation: Hispanic 14.9%, Asian/Asian American 9%, Black 3.4%, Native American 1.8% and other 3.5%). Structural equation modeling indicated that parents, work, and high school financial education during adolescence predicted young adults' current financial learning, attitude and behavior, with the role played by parents substantially greater than the role played by work experience and high school financial education combined. Data also supported the proposed hierarchical financial socialization four-level model, indicating that early financial socialization is related to financial learning, which in turn is related to financial attitudes and subsequently to financial behavior. The study presents a discussion of how the theories of consumer socialization and planned behavior were combined effectively to depict the financial development of young adults. Several practical implications are also provided for parents, educators and students.

  5. Exploring the Classroom Practices That May Enable a Compassionate Approach to Financial Literacy Education (United States)

    Blue, Levon Ellen; O'Brien, Mia; Makar, Katie


    From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The…

  6. The Importance of "Praxis" in Financial Literacy Education: An Indigenous Perspective (United States)

    Blue, Levon; Grootenboer, Peter; Brimble, Mark


    We argue the importance of "praxis" in financial literacy education teaching practices that is, the moral and ethical nature of teaching and learning. Post the global financial crisis of 2008, the teaching of financial literacy has become a priority for many countries. Indigenous communities are often the target of broad FLE strategies…

  7. Financial Management: Education's Financial Management Problems Persist. Testimony before the Task Force on Education, Committee on the Budget, House of Representatives. (United States)

    Jarmon, Gloria L.; Engel, Gary T.

    This document discusses the Department of Education's (DOE) fiscal year 1999 financial audit results; the relationship between the audit findings and the potential for waste, fraud, and abuse; and the results of the General Accounting Office's (GAO) review of the DOE's grantback account. The DOE's financial activity is important to the federal…

  8. Financial Health of the Higher Education Sector: Financial Results and TRAC Outcomes 2014-15. Issues Paper. March 2016/04 (United States)

    Higher Education Funding Council for England, 2016


    This report provides an overview of the current financial health of the Higher Education Funding Council for England (HEFCE) funded higher education sector in England. This does not include directly funded further education or other colleges, or alternative providers of higher education. The analysis covers financial results for the academic year…


    Directory of Open Access Journals (Sweden)

    Irina Konstantinovna Bitkina


    Full Text Available Importance of the presented study consists in need of the introduction innovation educational technology when teaching in high educational institutions. Objectivity specified need you-is the Russian system of the higher education called by turning on standards within the framework of Bolognaagreement. Existing in persisting time scientific studies and practical developments in incomplete measure touch in-ask, concerning using educational innovation technology in the field of teaching social-humanitarian sciences, including coursesfinancial-economic profile. Considering aforesaid, purpose persisting studies is a development of the methodical approach to estimation of efficiency of the using educational innovation and proving of the directions on improvement of their use in high school thrifty persons of the profile when learning student discipline to specialization. In the course of undertaking the study were used methods of the collection and processing statistical and sociological information, summeries and groups got data, quantitative estimation to efficiency applicable technology. The Results of the study touch the methodical questions of the estimation to efficiency educational innovation in high school financial-economic profile and practical aspects of their use when teaching of discipline to specialization beside student.Purpose: development methodical approach educational innovation estimation and proving ways of improving using educational innovation in the economical universities.Methodology: statistical summary, statistical grouping, sociological questioning, effectivity estimation, comparative analyses.Results:1 ways of effectivity estimation educational innovation using were revealed;2 the practical recommendation for improving using educational innovation  were proved.Practical implications: educational activity in the socio-economical higher institutions.DOI:

  10. Validating the Executive Personal Finance Scale with Financial Investments and Expectations in University Students. (United States)

    Yang, Bijou; Lester, David


    The validity of the Executive Personal Finance Scale (EPFS) was tested in a sample of 93 undergraduate students (31 men, 62 women; M age = 20.5 years, SD = 1.3, range = 18-24). Scores on the Motivation drive, Organization, and Planning subscales of this scale were associated with having a savings account, owning bank CDs, and self-estimated knowledge about financial matters, while scores on the Impulse control and Motivational drive subscales were associated with expectations for a satisfactory retirement income. The results provide support for the validity of the EPFS. © The Author(s) 2016.

  11. Teacher Educators' Personal Practical Knowledge of Language (United States)

    Swart, Fenna; de Graaff, Rick; Onstenk, Jeroen; Knezic, Dubravka


    This paper describes teacher educators' understanding of language for classroom communication in higher education. We argue that teacher educators who are aware of their personal practical knowledge of language have a better understanding of their students' language use and provide better support for knowledge construction. Personal practical…

  12. Personal Finance Education: Effective Practice Guide for Schools (United States)

    Spielhofer, Thomas; Kerr, David; Gardiner, Clare


    This document provides guidance on effective practice in delivering personal finance education in secondary schools. It is based on the findings from research carried out by NFER (the National Foundation for Educational Research) on behalf of pfeg (Personal Finance Education Group) as part of an evaluation of Learning Money Matters (LMM). This…

  13. Actual and preferred personality characteristics of physical educators

    Directory of Open Access Journals (Sweden)

    Saša Cecić Erpič


    Full Text Available The Five-Factor Model of personality, which includes dimensions energy, agreeableness, conscientiousness, emotional stability, and openness, gained a growing acceptance by personality researchers. In the present study the actual personality characteristics of physical educators and the personality profile of an ideal (according to subjective evaluations of experts physical educator were investigated. The aim of the study was to examine differences between profiles of actual and preferred personality characteristics and to present differences in personality characteristics between male and female physical educators of different ages. The study included 76 (40 male, 36 female 24 to 58 year-old physical educators (mean age 39.7 years. 34 experts from the field of sport, physical education, and kinesiology evaluated the preferred personality structure of an ideal physical educator. The Big Five Observer (BFO was used to assess actual and preferred personality structures. These results show that the actual personality profile of physical educators is described with all five moderately high dimensions, which is relatively congruent with the social type from Holland's typology, characteristic of educators. In comparison with participants, an ideal physical educator should have equally expressed agreeableness, while other four dimensions should be highly expressed. Gender differences in energy and agreeableness (women have higher results in both dimensions were found significant. No significant age differences in the personality structure were obtained by a cross-sectional comparison.

  14. Are Low-Income Canadians Financially Literate? Placing Financial Literacy in the Context of Personal and Structural Constraints (United States)

    Buckland, Jerry


    This article argues that financial literacy varies across socioeconomic groups and their neighborhoods, in part because of the adult learning that occurs within a local context. The study begins by explaining that financial literacy needs vary across socioeconomic groups and that there are important structural factors affecting the financial…

  15. The neural substrates of person perception: spontaneous use of financial and moral status knowledge. (United States)

    Cloutier, J; Ambady, N; Meagher, T; Gabrieli, J D E


    The current study examines the effect of status information on the neural substrates of person perception. In an event-related fMRI experiment, participants were presented with photographs of faces preceded with information denoting either: low or high financial status (e.g., "earns $25,000" or "earns $350,000"), or low or high moral status (e.g., "is a tobacco executive" or "does cancer research"). Participants were asked to form an impression of the targets, but were not instructed to explicitly evaluate their social status. Building on previous brain-imaging investigations, regions of interest analyses were performed for brain regions expected to support either cognitive (i.e., intraparietal sulcus) or emotional (i.e., ventromedial prefrontal cortex) components of social status perception. Activation of the intraparietal sulcus was found to be sensitive to the financial status of individuals while activation of the ventromedial prefrontal cortex was sensitive to the moral status of individuals. The implications of these results towards uncovering the neural substrates of status perception and, more broadly, the extended network of brain regions involved in person perception are discussed. Copyright © 2012 Elsevier Ltd. All rights reserved.

  16. Developing a Big Game for Financial Education Using Service Design Approach (United States)

    Kang, Myunghee; Yoon, Seonghye; Kang, Minjeng; Jang, JeeEun; Lee, Yujung


    The purpose of this study was to design and develop an educational game which facilitates building adolescents' knowledge and attitudes in financial principles of a daily life. To achieve this purpose, the authors designed a learner-centered big game for financial education by applying an experience-based triple-diamond instructional design model…

  17. A review of financial-literacy education programs for children and adolescents

    NARCIS (Netherlands)

    Amagir, Aisa; Groot, Wim; Maassen van den Brink, Henriëtte; Wilschut, Arie

    In this systematic literature review, we evaluate the effectiveness of financial-literacy education programs and interventions for children and adolescents. Furthermore, the key characteristics of the design of a successful financial-education curriculum are described. The evidence shows that

  18. Financial Awareness Education with Apprentices in the Australian Construction Industry: Program Evaluation (United States)

    Du Plessis, Karin; Green, Emma


    A financial awareness education program was implemented with construction industry apprentices in Victoria, Australia. The program included face-to-face delivery of education around a range of financial management issues that apprentices face as they begin their apprenticeship. The paper reports on an evaluation of the program, which included…

  19. Assessing Financial Education Methods: Principles vs. Rules-of-Thumb Approaches (United States)

    Skimmyhorn, William L.; Davies, Evan R.; Mun, David; Mitchell, Brian


    Despite thousands of programs and tremendous public and private interest in improving financial decision-making, little is known about how best to teach financial education. Using an experimental approach, the authors estimated the effects of two different education methodologies (principles-based and rules-of-thumb) on the knowledge,…

  20. Financial Mechanisms for Integrating Higher Education of Ukraine into the Quadrangle “Education — Government — Business — Society”

    Directory of Open Access Journals (Sweden)

    Verbytska Anna V.


    Full Text Available The aim of the article is to identify the financial mechanisms for integrating higher education of Ukraine into the quadrangle “education — government – business — society”, which are intended for increasing the international competitiveness of higher education of Ukraine. There substantiated the formation of a new national financial strategy in the field of higher education, which is based on the introduction of a mechanism for distributing financial responsibility between the state and consumers of educational services represented by employers and business structures, which can be implemented within multi-channel financing; adaptation of the experience in creation of endowment funds as a tool for additional financing of the higher education system; increase in the effectiveness of the export policy in the market for educational services. The principle of performance-based budgeting of higher education and its coordination with the concept of effective financial management is revealed.

  1. Personal financial incentives in health promotion: where do they fit in an ethic of autonomy? (United States)

    Ashcroft, Richard E


    This paper reviews the ethical controversy concerning the use of monetary incentives in health promotion, focussing specifically on the arguments relating to the impact on personal autonomy of such incentives. Offering people small amounts of money in the context of health promotion and medical care has been attempted in a number of settings in recent years. This use of personal financial incentives has attracted a degree of ethical controversy. One form of criticism is that such schemes interfere with the autonomy of the patient or citizen in an illegitimate way. This paper presents a thematic analysis of the main arguments concerning personal autonomy and the use of monetary incentives in behaviour change. The main moral objections to the uses of incentives are that they may be in general or in specific instances paternalistic, coercive, involve bribery, or undermine the agency of the person. While incentive schemes may engage these problems on occasion, there is no good reason to think that they do so inherently and of necessity. We need better behavioural science evidence to understand how incentives work, in order to evaluate their moral effects in practice. © 2011 Blackwell Publishing Ltd.

  2. The Effect of Family Economic Education towards Lifestyle Mediated By Financial Literacy

    Directory of Open Access Journals (Sweden)

    Berta Dian Theodora


    Full Text Available This research aims to know the student’s lifestyle whether it is influenced by education that has been accepted in family or their financial literacy. Samples were 334 out of 2040 students of Indraprasta PGRI University, Jakarta. Technique of data analysis used path analysis. Findings show that 60.78% of students are in the middle category for economic education in family, 47% of students are in the high category for financial literacy and 58% of students have a high lifestyle. Economic education influences the lifestyle by 6.4% and financial literacy affects on lifestyle by 3.7%. The influence of family education through financial literacy toward lifestyle is 1.9%. Therefore, it can be concluded that financial literacy does not increase the influence of education Economy in family to lifestyle. Then, the results of the research will be used as one of the reference in the application of entrepreneurship lectures.

  3. Study to the current protection of personal data in the educational sector in Indonesia (United States)

    Rosmaini, E.; Kusumasari, T. F.; Lubis, M.; Lubis, A. R.


    This study examines how legal expert interpret UU ITE to protect personal data based on privacy principle by using content analysis. This act has importance in order to govern the process of collection, use, transfer, disclose and store personal data for profit or other commercial purposes. By recognizing both the right of individual for privacy and the need of organization to utilize the customer data, the Act, which was amended by Parliament at October, 27th 2016 have critical role for protection guideline in Indonesia. Increasingly, with the use of advanced technology, data protection became one of the main issues on various sectors, especially in the educational sector. Educational institutions require large amount of personal data to run their business process to support learning, teaching, research and administration process. It involves wide range of personal data from institution, agencies, colleges, lecturers, students and parents, which might consist of several sensitive and confidential data such as historical, health, financial, academic and experience background. Underestimating and ignoring these issues can lead to disaster such as blackmailing, stalking, bullying or improper use of personal data. In aggregation, they might deliver huge loss to institution either financially or trust. Thus, this study analyse the privacy principle of UU ITE through 21 coders from legal expert to obtain more understanding of appropriate approach to implement privacy policy in the educational sector.

  4. Inclusive Financial Literacy Education for Inspiring a Critical Financial Consciousness: An Experiment in Partnership with Marginalised Youth (United States)

    Visano, Brenda Spotton; Ek-Udofia, Imo


    In the absence of critical inquiry, traditional financial literacy education risks socialising economically marginalised groups into an acceptance of the very power structures that created their marginalisation in the first place. The instructor-facilitator seeking to confront the challenge of promoting critical thinking about a subject widely…


    Directory of Open Access Journals (Sweden)

    Imam Bahroni


    Full Text Available         This paper is aimed at discussing the concept of Personality Education according to Allama Muhammad Iqbal. In relation with the concept, Muhammad Iqbal (1873-1938, emphasized the proper development of the individuality of man. He maintained that an individual should be exposed to all kinds of formative and challenging experiences; otherwise his individuality will shrink and wither[1]. Iqbal underscored the importance of freedom, which allowed for experimentation with the environment, for the exercise of choice and discrimination in the use of methods and substance, and for learning by direct, firsthand experience. Despite his emphasis on the individual, Iqbal did not ignore the role of the community and its culture in the give-and-take dynamics with the individual. Iqbal also subscribed to the view that there must be harmony between the material and spiritual elements in man, which educational theory should consider. He valued intellect, but he criticized contemporary thought for overstressing it at the expense of intuition or love. From Iqbal's writings, the characteristics of the good man could be inferred. First, the good man is creative and original, for creativity is the most precious and distinctive gift of man. He must be able to use his intelligence to harness the forces of nature for his own good and also to increase his knowledge and power. Secondly, the good man lives his life in the name of the Lord, dedicating his powers and knowledge to working out His purpose and thereby deserving himself for the position of God's vicegerent on earth.[1] K.G. Saiyidain, (1977, Iqbal's educational philosophy, 8th ed.,Lahore: SH Muhammad Ashraf, p. 14.

  6. Character and Citizenship Education: Conversations between Personal and Societal Values (United States)

    Sim, Jasmine B.-Y.; Low, Ee Ling


    The theme of this special issue is "Character and Citizenship Education: Conversations between Personal and Societal Values." Character education and citizenship education, taken separately or as a single entity are currently riding high on the political and educational policy agendas of several governments (Arthur, 2003; Berkowitz & Bier, 2007;…

  7. Contextual Influences on Financial Behavior: A Proposed Model for Adult Financial Literacy Education (United States)

    Way, Wendy L.


    This chapter presents an ecological model that highlights the importance of considering multiple contextual influences on behavior as well as other factors that may impact learning when designing research and practice aimed at enhancing financial capability.

  8. Education for Persons with Special Needs: Polish and Russian Experience (United States)

    Valeeva, Roza A.; Kulesza, Ewa M.


    The beginning of the 21st century is marked by systemic, economic and social transformations in Poland and Russia, that significantly affected the education system, including the education for persons with special needs. This paper is an attempt to present synthetically the changes relating to persons with disabilities. The current state of the…

  9. Personal Knowledge in Educational Autobiography: An Investigation on "Good Teachers" (United States)

    Liu, Lianghua


    A good teacher has various characteristics. We can observe directly teachers' behaviors or read their professional papers. However, the effective way is to have teachers tell their personal life history or educational autobiography. The personal knowledge of a good teacher will be revealed through the personal life history. According to numerous…

  10. Financial education level of high school students and its economic reflections

    Directory of Open Access Journals (Sweden)

    Tarcísio Pedro da Silva

    Full Text Available Abstract This research contributes to the understanding of the level of financial education of high school students from public schools, as well as verifying how their financial knowledge has been generated, providing a view of the gaps in financial education with which these students are able to attend undergraduate courses later. The objective of the research was to determine the level of financial education of high school students from public schools, according to individual, demographic and socializing aspects. The research methodology was characterized as descriptive regarding procedures such as survey and the approach of the quantitative nature of the problem. The research population included 4698 high school students from 14 public schools in the city of Blumenau. In the data processing, the Kruskal-Wallis and chi-square tests were used. The results indicate that there is an effective financial education among young high school students, which can be noticed in findings such as: some of the young are not obliged to explain to parents where they are spending their financial resources; students have acquired, largely, their financial knowledge with parents and relatives, and in day-to-day practices, but there is little dialog in the family on financial matters. The financial knowledge coming from the school is low, requiring an improvement in the quality of this knowledge at this stage or in the future, including undergraduate courses. Finally, potential workers may cause social problems through their inability to manage their resources and/or the expenses of their families.

  11. A synopsis of the WPA Educational Program on Personality Disorders

    DEFF Research Database (Denmark)

    Simonsen, Erik; Ronningstam, Elsa; Millon, Theodore


    and a wide range of tailored psychotherapeutic techniques are now available. Personality disorders are treatable and remission is more likely than treatment resistance. Education is needed for all health professionals in psychiatric services. The full WPA program is available to be downloaded for free from......This article describes the headlines of the Educational Program on Personality Disorders produced by the WPA Section on Personality Disorders and the International Society on the Study of Personality Disorders. Lifelong personality traits serve as a substrate and a context for understanding more...

  12. Parents’ Education, Personality, and Their Children’s Disruptive Behaviour


    Purwati; Muhammad Japar


    The aims of this study were (1) to understand the effects of parents' education and personality aspects on child disruptive behavior, (2) to know the correlation between the parents' personality aspects (N-Deference, N-Succorance, NDominance and N-Aggression) and the children' disruptive behavior. A quantitative approach to the correlational design was employed. Three variables were studied, namely parents' education and personality as the independent variables and child dis...

  13. Personality and Education Mining based Job Advisory System


    Rajendra S. Choudhary; Rajul Kukreja; Nitika Jain; Shikha Jain


    Every job demands an employee with some specific qualities in addition to the basic educational qualification. For example, an introvert person cannot be a good leader despite of a very good academic qualification. Thinking and logical ability is required for a person to be a successful software engineer. So, the aim of this paper is to present a novel approach for advising an ideal job to the job seeker while considering his personality trait and educational qualification both. Very well-kno...

  14. A Learning Game for Youth Financial Literacy Education in the Teen Grid of Second Life Three-Dimensional Virtual Environment (United States)

    Liu, Chang; Franklin, Teresa; Shelor, Roger; Ozercan, Sertac; Reuter, Jarrod; Ye, En; Moriarty, Scott


    Game-like three-dimensional (3D) virtual worlds have become popular venues for youth to explore and interact with friends. To bring vital financial literacy education to them in places they frequent, a multi-disciplinary team of computer scientists, educators, and financial experts developed a youth-oriented financial literacy education game in…

  15. Financial literacy among Turkish college students: the role of formal education, learning approaches, and parental teaching. (United States)

    Akben-Selcuk, Elif; Altiok-Yilmaz, Ayse


    This study assessed financial literacy and its correlates among Turkish college students, with special emphasis on the role of formal education, learning approaches, and parental influences. Financial literacy was measured by the College Student Financial Literacy Survey, which assesses knowledge in four areas: general financial management, saving and borrowing, insurance, and investing. 853 Turkish university students were administered the survey (416 men, 437 women; M age = 20.3 yr., SD = 0.6). The mean percentage of correct responses was 45% (SD = 12.8%). Regression results showed that formal finance education in college, a deep approach to learning, and direct financial teaching by parents were significantly associated with higher financial literacy scores.

  16. Exploring the classroom practices that may enable a compassionate approach to financial literacy education (United States)

    Blue, Levon Ellen; O'Brien, Mia; Makar, Katie


    From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The financial maths task asked students to decide on the best fundraising option for the school. We used the theory of practice architectures to analyse the interactions in the classroom in order to understand what may have enabled and constrained classroom practices. We found that classroom practices such as engaging with peers through positive and collaborative learning opportunities, making ethical, social and mathematical connections of the task, and considering the impact of financial decisions on others may enable a compassionate approach to financial literacy education.

  17. Exploring the classroom practices that may enable a compassionate approach to financial literacy education (United States)

    Blue, Levon Ellen; O'Brien, Mia; Makar, Katie


    From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The financial maths task asked students to decide on the best fundraising option for the school. We used the theory of practice architectures to analyse the interactions in the classroom in order to understand what may have enabled and constrained classroom practices. We found that classroom practices such as engaging with peers through positive and collaborative learning opportunities, making ethical, social and mathematical connections of the task, and considering the impact of financial decisions on others may enable a compassionate approach to financial literacy education.

  18. Financial Condition and Tuition in Private Nonprofit Baccalaureate Higher Education (United States)

    Peruso, Dominick F., Jr.


    The rate of tuition inflation at U.S. colleges and universities is alarming and threatens both access and choice. Private nonprofit baccalaureate colleges often possess the highest tuition rates but routinely face financial challenges. This study was designed to better understand the relationship between tuition and financial condition for the…

  19. 75 FR 52596 - Financial Education Core Competencies; Comment Request (United States)


    ... impacts of your spending decisions. Saving Saved money grows... Start saving early. Pay yourself first... Subcommittee, identified five core concept areas: (1) Earning, (2) spending, (3) saving, (4) borrowing, and (5... financial system. Know about financial Comparison shop. assets (savings Balance risk and accounts, bonds...

  20. Financial Incentives for Steering Education and Training. Getting Skills Right (United States)

    OECD Publishing, 2017


    This report examines how governments use financial incentives to promote a better alignment between labour market needs, on the one hand, and the supply of skills, on the other. In doing so, it identifies: (1) innovative models that countries may be interested in learning from; (2) best practice in the design and use of financial incentives; (3)…


    Directory of Open Access Journals (Sweden)

    A. Galushkin


    Full Text Available In this article, author discusses model of analysis assessing the financial condition of the educational organization of higher education. Author analyzes the sequence (algorithm analysis of fi nancial and economic activity of the educational organization of higher education in the process of separating the analysis of questions of the analysis of the state educational institutions of higher education and non-state educational institutions of higher education. Author also deals with the determination of the average annual values of indicators of educational institution of higher education. In conclusion, the author makes a scientifi cally-based own conclusions and gives a number of suggestions.Goal / task. Aim of the article is to identify further ways of optimizing the financial condition of the educational organization of higher education.Methodology. Author started his research with the setting and the formulation of research objectives. The author defined the subject of the study, prepared by the empirical basis of the study.Results. According to the results of the study produced five research-based fi ndings presented in the article.Conclusions / signifi cance. 1. Analysis of the financial condition of the educational institutions of higher education can be defi ned as a complex and complex economic studies to identify patterns of the system factors in the financial well-being, the subject of analysis of educational, teaching, research and related activities.2. Integral assessment of the conditions of the financial analysis of the educational institution of higher education leads to the conclusion that it should include a number of stages.3. Analysis of the financial condition of the educational institution of higher education should be characterized as a specific type of analytical work. However, it is obvious that it can not be a simple kind of financial analysis of its object, and is a special form of research. The most significant

  2. The Impact of the Global Financial Crisis on Japan's Higher Education (United States)

    Huang, Futao


    This paper deals with the impact of the global financial crisis on Japan's economy, especially on its higher education. The first section provides an overview of Japan's national economy with a focus on the impact of the global financial crisis on the national economy, then the author touches on the impact on the Japanese government's finances,…

  3. Using Financial Information in Continuing Education. Accepted Methods and New Approaches. (United States)

    Matkin, Gary W.

    This book, which is intended as a resource/reference guide for experienced financial managers and course planners, examines accepted methods and new approaches for using financial information in continuing education. The introduction reviews theory and practice, traditional and new methods, planning and organizational management, and technology.…

  4. Higher Education Financial Assistance Tools for Middle- and Upper-Income Taxpayers (United States)

    Condon, James V.; Prince, Lori H.


    This article describes higher education financial assistance tools designed mainly for students of middle- and upper-income families who may not be eligible for financial aid from other sources. It includes the 2007 legislative updates for these tools, all of which have been devised and offered by either state or federal governments. The authors…

  5. More than 100 Colleges Fail Education Department's Test of Financial Strength (United States)

    Blumenstyk, Goldie


    A newly compiled analysis by the U.S. Department of Education and obtained by "The Chronicle" shows that 114 private nonprofit degree-granting colleges were in such fragile financial condition at the end of their last fiscal year that they failed the department's financial-responsibility test. Colleges that fail the test are subject to extra…

  6. Personality and Education Mining based Job Advisory System

    Directory of Open Access Journals (Sweden)

    Rajendra S. Choudhary


    Full Text Available Every job demands an employee with some specific qualities in addition to the basic educational qualification. For example, an introvert person cannot be a good leader despite of a very good academic qualification. Thinking and logical ability is required for a person to be a successful software engineer. So, the aim of this paper is to present a novel approach for advising an ideal job to the job seeker while considering his personality trait and educational qualification both. Very well-known theories of personality like MBTI indicator and OCEAN theory, are used for personality mining. For education mining, score based system is used. The score based system captures the information from attributes like most scoring subject, dream job etc. After personality mining, the resultant values are coalesced with the information extracted from education mining. And finally, the most suited jobs, in terms of personality and educational qualification are recommended to the job seekers. The experiment is conducted on the students who have earned an engineering degree in the field of computer science, information technology and electronics. Nevertheless, the same architecture can easily be extended to other educational degrees also. To the best of the author’s knowledge, this is a first e-job advisory system that recommends the job best suited as per one’s personality using MBTI and OCEAN theory both.

  7. Impacts of Personal Experience: Informing Water Conservation Extension Education (United States)

    Huang, Pei-wen; Lamm, Alexa J.


    Extension educators have diligently educated the general public about water conservation. Incorporating audiences' personal experience into educational programming is recommended as an approach to effectively enhance audiences' adoption of water conservation practices. To ensure the impact on the audiences and environment, understanding the…

  8. La financial education nella regione Puglia: analisi e prospettive di intervento


    A. Garzoni; V. Nastasi


    Analisi del contesto e delle principali tematiche di financial education affrontate a livello internazionale e nazionale, valutazione delle opportunità e degli aspetti critici, il progetto pilota nella regione Puglia e le nuove idee di progetto da realizzare

  9. Improving Financial Planning Graduate Employability Through Enterprise Education

    Directory of Open Access Journals (Sweden)

    John Teale


    Full Text Available Financial planning requires students to display tacit learning. However, the traditional teaching approach concentrates on theory development independent of any applied connection with the profession. This paper uses an adaptation of the Goetz et al. (2005 model to demonstrate how curricula can provide a smoother progression into the financial planning profession. Further, a number of teaching strategies are described to provide a closer connection with the profession.

  10. Assessing personal financial management in patients with bipolar disorder and its relation to impulsivity and response inhibition. (United States)

    Cheema, Marvi K; MacQueen, Glenda M; Hassel, Stefanie


    Impulsivity and risk-taking behaviours are reported in bipolar disorder (BD). We examined whether financial management skills are related to impulsivity in patients with BD. We assessed financial management skills using the Executive Personal Finance Scale (EPFS), impulsivity using the Barratt Impulsiveness Scale (BIS) and response inhibition using an emotional go/no-go task in bipolar individuals (N = 21) and healthy controls (HC; N = 23). Patients had fewer financial management skills and higher levels of impulsivity than HC. In patients and controls, increased impulsivity was associated with poorer personal financial management. Patients and HC performed equally on the emotional go/no-go task. Higher BIS scores were associated with faster reaction times in HC. In patients, however, higher BIS scores were associated with slower reaction times, possibly indicating compensatory cognitive strategies to counter increased impulsivity. Patients with BD may have reduced abilities to manage personal finances, when compared against healthy participants. Difficulty with personal finance management may arise in part as a result of increased levels of impulsivity. Patients may learn to compensate for increased impulsivity by modulating response times in our experimental situations although whether such compensatory strategies generalize to real-world situations is unknown.

  11. Personalized Education Approaches for Chemical Engineering and Relevant Majors

    Directory of Open Access Journals (Sweden)

    Zhao Feng-qing


    Full Text Available Personalized education has drawn increasing attention in universities these years. With the purpose of improving the studentss’ comprehensive ability and developing teaching strategies to ensure students’ education is tailored to their needs, we proposed Three-Stage Approach (TSA to enhance personalized education for chemical engineering and relevant majors: professional tutorial system--equipping with professional guidance teachers for freshman students to guide their learning activities and provide professional guidance; open experimental project--setting up open experimental projects for sophomore and junior students to choose freely; individualized education module--setting up 10 different individualized education modules for senior students to select. After years of practice, the personalized education model is improved day by day and proved effective and fruitful.

  12. Health among Swedish employees and financial situation, education, and managerial responsibility: a longitudinal study. (United States)

    Runeson, Roma; Vingård, Eva; Lampa, Erik; Wahlstedt, Kurt


    The present study is part of a 3-year longitudinal study on work and health among employees in the public sector in Sweden. The aim was to study associations between self-rated health (SRH) and financial situation, education, and managerial responsibility. Of the 9003 employees, 7533 answered the baseline questionnaires (84%). Altogether 9373 subjects received the follow-up questionnaire, and 6617 subjects responded (71%). In total 4240 completed the questionnaire on both occasions, and this group comprised the study population. SRH consisted of the response to a single question: 'In general, would you say your health is excellent, very good, good, poor, or very poor?' The health was investigated in terms of the development of health status in the 3-year follow-up. The exposure factors were: financial situation, education, and managerial responsibility. Odds ratios were analysed using logistic regressions. Good financial situation and further education were predictors in maintaining good health and in avoiding poor health. The analysis also indicated the following determinants of sustained good SRH: having a good financial situation (OR 1.99 at baseline and OR 1.87 at follow-up), having a further education compared to lower education (OR 1.17 at baseline), and not having a worsening financial situation between baseline and follow-up (OR 0.53). Financial situation and educational level were important factors that influence the subjective perception of health.


    Directory of Open Access Journals (Sweden)

    Larysa Oliynik


    Full Text Available The article highlights the core of financial monitoring and the basic indicators of its implementation at education and research farms of agricultural budgetary institution. The case study for its peculiarities defined is Separated Subdivision of NULES of Ukraine “Velykosnytinske Education and Research Farm named after O. Muzychenka”, the financial monitoring of which allowed offering the enterprise certain directions to improve efficiency under modern conditions. While carrying out financial monitoring of  education and research farms,  there should be awareness that such farms are based on self-supporting, being non-profit institutions that function as public institutions. Consequently, they make estimates. The specific features of financial statements and reports are due to the fact that revenues of educational and research farms are derived from the special  fund.  Financial  monitoring  for  education  and  research  farms  of  agricultural  budgetary institution  is  proven  to  be  implemented  by  using  traditional  analysis  given  the  peculiarities  of budgetary institutions. Keywords: financial  monitoring,  education and research farm,  budgetary  institution,  cost accounting, special fund, estimate. JEL: M 20

  14. Why Education Practitioners and Stakeholders Should Care about Person Fit in Educational Assessments (United States)

    Walker, A. Adrienne


    In this article, A. Adrienne Walker introduces the concept of person fit to education stakeholders as a source of evidence to inform the trustworthiness of a test score for interpretation and use (validity). Person fit analyses are used in educational measurement research to explore the degree to which a person's test score can be interpreted as a…

  15. Teaching skills and personal characteristics of sex education teachers

    NARCIS (Netherlands)

    Timmerman, Greetje; Timmerman, M.C.

    This article examines relationships between various dimensions of teachers' professionalism, that is, pedagogical content knowledge and personal characteristics. Using Shulman's notion of pedagogical content knowledge (PCK) we explored the practical knowledge of twenty sex education teachers using

  16. Financial Management: Education Faces Challenges in Achieving Financial Management Reform. Testimony before the Subcommittee on Oversight and Investigations, Committee on Education and the Workforce, House of Representatives. (United States)

    Jarmon, Gloria L.

    This report provides a fiscal analysis of the Department of Education's 1999 financial audit results. It focuses on the relationship between the audit findings and the potential for waste, fraud, and abuse, and examines the status of an ongoing study of the Department's grantback account. It describes the ongoing accounting problems that have…

  17. Smart Educational Process Based on Personal Learning Capabilities


    Gavriushenko, Mariia; Lindberg, Renny S. N.; Khriyenko, Oleksiy


    Personalized learning is increasingly gaining popularity, especially with the development of information technology and modern educational resources for learning. Each person is individual and has different knowledge background, different kind of memory, different learning speed. Teacher can adapt learning course, learning instructions or learning material according to the majority of learners in class, but that means that learning process is not adapted to the personality of each...

  18. Who Should Study Music Education? A Vocational Personality Approach (United States)

    Cevik, Beste; Perkmen, Serkan; Alkan, Mahir; Shelley, Mack


    The main purpose of the current study was to examine the utility and usefulness of Holland's Theory of Personalities in Work Environments to understand the match between personality and the desire for music education. The participants included 99 pre-service music teachers in Turkey. The findings revealed that the pre-service music teachers were,…

  19. Parents' Education, Personality, and Their Children's Disruptive Behaviour (United States)

    Purwati; Japar, Muhammad


    The aims of this study were (1) to understand the effects of parents' education and personality aspects on child disruptive behavior, (2) to know the correlation between the parents' personality aspects (N-Deference, N-Succorance, N-Dominance and N-Aggression) and the children' disruptive behavior. A quantitative approach to the correlational…

  20. The Research of the Personality Qualities of Future Educational Psychologists (United States)

    Dolgova, V. I.; Salamatov, A. A.; Potapova, M. V.; Yakovleva, N. O.


    In this article, the authors substantiate the existence of the personality qualities of future educational psychologists (PQFEP) that are, in fact, a sum of knowledge, skills, abilities, socially required qualities of personality allowing the psychologist to solve problems in all the fields of professional activities. A model of PQFEP predicts the…

  1. Advances in personalized web-based education

    CERN Document Server

    Chrysafiadi, Konstantina


    This book aims to provide important information about adaptivity in computer-based and/or web-based educational systems. In order to make the student modeling process clear, a literature review concerning student modeling techniques and approaches during the past decade is presented in a special chapter. A novel student modeling approach including fuzzy logic techniques is presented. Fuzzy logic is used to automatically model the learning or forgetting process of a student. The presented novel student model is responsible for tracking cognitive state transitions of learners with respect to their progress or non-progress. It maximizes the effectiveness of learning and contributes, significantly, to the adaptation of the learning process to the learning pace of each individual learner. Therefore the book provides important information to researchers, educators and software developers of computer-based educational software ranging from e-learning and mobile learning systems to educational games including stand a...

  2. Educational development in rural schools: exemplifying the personal ...

    African Journals Online (AJOL)

    Erna Kinsey

    that educational development reduced to the functional domain at the expense of the personal would constrain the ... culates such an understanding of community as "the shared, mutuality ... The concept of education sees to challenge the very idea that .... promise aimed at allowing us to live together as a functioning and.

  3. Students' Individual and Social Behaviors with Physical Education Teachers' Personality (United States)

    Arbabisarjou, Azizollah; Sourki, Mehdi Sadeghian; Bonjar, Seyedeh Elaham Hashemi


    The main objective for this survey is to assess the relationship between physical education teachers' personality and students' individual with social behaviors. The statistical population of the study was all the teachers of physical education working at high schools in the academic year 2012-2013. The sample consisted of sixty teachers that were…

  4. The Right to Education for Internally Displaced Persons in Nigeria ...

    African Journals Online (AJOL)

    A distinctive challenge facing internally displaced persons (IDPs) are structural conditions that deny them access to the right to education. The main aim of the study is to investigate the role of open and distance learning in providing access and educational opportunities to the IDPs. The research methodology for this study ...

  5. Personal Development in Secondary Education: The Irish Transition Year (United States)

    Clerkin, Aidan


    Secondary education in Ireland includes an optional Transition Year (TY) between the junior and senior examination cycles, when students are typically about 15 years old. Transition Year is an innovative programme, unique to Irish education, which is intended as a non-academic year devoted to personal and social development in the absence of…

  6. Lifelong Professional Education in the Russian Federation: Personal Aspect (United States)

    Ibatova, Aygul Z.; Ippolitova, Natalia V.; Mukhametgaliyeva, Safia Kh.; Rodionova, Anna E.; Yagafarova, Khafiza N.; Ikonnikova, Ludmila N.


    The article analyzes the problem of realization of the postulate of "lifelong education" in the field of professional education in Russia, and reveals its importance for the development of personality of a future specialist. A brief overview and the results of the implementation of this principle in the process of professional training…

  7. Evaluating financial education initiatives in South Africa: The importance of multiple evaluation approaches

    Directory of Open Access Journals (Sweden)

    Emily Massey


    Objectives: This study aims to show that, particularly in a South African context, where investment in financial education interventions is mandated by the Financial Sector Codes, impact should not be the only criterion assessed when evaluating financial education projects. Research method and design: This study was informed by a literature review, a synthesis of team experience on a range of financial education projects in South Africa and the development of case studies. Results: Describing the success or failure of a project needs to go beyond impact and explore factors such as project relevance, design and quality. In order to verify these other factors, different types of evaluations are necessary at the various stages of the project’s life-cycle. Conclusion: Expanding the learning objective beyond the exclusive identification of whether financial behaviour was achieved is particularly important where financial education projects, and the monitoring and evaluation thereof, is mandated. In the African context, where resources are scarce, money for monitoring and evaluation should be selectively channelled into determining project relevance, effectiveness, efficiency and then only impact.

  8. 25 CFR 47.10 - How is the local educational financial plan developed? (United States)


    ....10 Section 47.10 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR EDUCATION UNIFORM DIRECT FUNDING AND SUPPORT FOR BUREAU-OPERATED SCHOOLS § 47.10 How is the local educational financial... plan: (1) Within 15 days after receiving the tentative allotment, the school supervisor must consult...

  9. Leadership Styles of Chief Financial Officers in Higher Education in the Mid-Atlantic Region (United States)

    Benson, Patricia


    The purpose of this research was to explore the factors that contribute to a chief financial officer's (CFO) success and demise within a higher education setting. Relatively little attention has been given to the study of leadership in educational institutions (Vroom, 1983). Leadership defines what the future should look like, aligns people with…

  10. CEO Business Education and Firm Financial Performance: A Case for Humility Rather than Hubris (United States)

    Lindorff, Margaret; Jonson, Elizabeth Prior


    Purpose: The purpose of this paper is to examine the relationship between CEO business education and firm financial performance. Design/methodology/approach: An analysis of the relationship between three-year and five-year shareholder return as measured by dividend and change in share price and CEO educational qualification was performed.…

  11. Private Sector/Educator Collaboration: Project Improves Financial, Economic Literacy of America's Youth (United States)

    Haynes, Deborah C.; Chinadle, Nicole


    The Family Economics and Financial Education Project (FEFE) began in 2001 at Montana State University with an annual grant from Take Charge America, Inc., a credit counseling and debt management company headquartered in Phoenix, Arizona. FEFE's mission is to provide educators with curriculum materials and training to be effective teachers of…

  12. Gender Inequality and Disabled Inclusivity in Accounting Higher Education and the Accounting Profession during Financial Crises (United States)

    Lodh, Suman; Nandy, Monomita


    In this article, the authors find that, during financial crises, the wage gap between female and male accounting professionals declines and gender inequality in higher education is affected. In addition, less support and lower wages for disabled accounting professionals demotivate disabled students in accounting higher education. Because of budget…

  13. The effects of financial education on financial literacy and savings behavior : Evidence from a controlled field experiment in Dutch primary schools

    NARCIS (Netherlands)

    Kalwij, A.S.; Alessie, Rob; Dinkova, M.; Schonewille, Gea; van der Schors, Anna; van der Werf, Minou

    In this paper, we report the results of a controlled field experiment designed to estimate the short-term effects of a 45-minute financial education program on financial literacy and savings behavior in Dutch primary schools. Among fifth and sixth graders, the program led to a pre- to posttest

  14. A holistic person perspective in measuring entrepreneurship education impact

    DEFF Research Database (Denmark)

    Jensen, Tine Lynfort


    and impact of entrepreneurship education and social entrepreneurship education, a number of interrelated factors are identified that are important to address in assessment and measurement of impact. In addition to these factors, a supplementary dimension is suggested – the holistic person perspective...... of the article is that it can be fruitful to understand entrepreneurial activities in a dynamic and holistic manner with attention to extended time and space dimensions in order to fully capture assessment and impact of entrepreneurship education....

  15. Educating Bootstrapping : Financial decision making processes in Create Business Incubator


    Nosov, Igor; Hamraev, Rustam


    Recently, small businesses have attracted much attention from scholars and businessmen, since the significance of these businesses estimated essential in rapid changing business environment from the perspective of wealth and job creation. Simultaneously, it is well known that most infant entrepreneurs are constrained by shortage of financial resource for development and growth of their business. Some entrepreneurs carry out the need for resources by applying the particular methods of financia...

  16. Forming personal brand of the head of vocational education institution

    Directory of Open Access Journals (Sweden)

    Lunev Alexander


    Full Text Available The article topicality is conditioned by the increase of competitiveness of professional education institutions at the international and regional markets of services. Selection of management personnel for institutions of vocational education, ensuring its competitiveness, is one of the main challenges facing the education authorities. The article reveals the essence of competitiveness of professional education institutions as its advantage in relation to other similar objects, characterized by the ability to meet the educational needs of the population, by providing it with appropriate services to update its activity in accordance with comprehensive security. The article describes the stages of formation of the personal brand of the head of professional education institution. The article can be useful to managers of professional educational institutions and specialists of education management bodies.

  17. Effect of Personal Financial Knowledge on College Students' Credit Card Behavior (United States)

    Robb, Cliff A.; Sharpe, Deanna L.


    Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…

  18. Effectiveness of Education Module Implementation on Increasing Islamic Financial Literacy and Halal Literacy of MSMEs Perpetrators

    Directory of Open Access Journals (Sweden)

    Ikka Nur Wahyuny


    Full Text Available This research was conducted to measure the impact of the implementation of Islamic Financial Literacy Education Module and Halal Product for Micro, Small and Medium Enterprises (MSMEs. The population in this study is the perpetrators of SMEs that run their business in the region of Yogyakarta Special Region. The sampling technique used is purposive sampling so that the sample used is 60 with the division of 30 experimental group and 30 people as the control group. Development of media using ADDIE model. Educational module has been through the phase of analysis, design, development, and implementation of MSMEs. At the evaluation stage, measurements are made to the perpetrators of SMEs with paired t test. The results of effectiveness test show the use of Islamic Financial Literacy Education Module and Halal Product can increase Islamic financial literacy and halal literacy of MSMEs perpetrators. Increased Islamic financial literacy and halal literacy can be seen from the average score before and after the use of Islamic financial literacy learning module and halal literacy. The conclusion of this research is a module with an important syariah theme done to provide ease in the transfer of knowledge of Islamic financial management and halal literacy for MSMEs.

  19. International Financial Reporting Standards And Accounting Education in Turkey: an Investigation On Accounting Academians’ Perceptions


    DURER, Salih; AKBAŞ, Halil Emre; ZEYTİNOĞLU, Emin


    This study aims to examine the perceptions of accountingacademicians about incorporating International Financial ReportingStandards (IFRS) into the accounting education. Results of thestudy indicate that uncertainty in the implementation of IFRS isseen as the most challenging aspect of incorporating IFRS into theaccounting education and the most appropriate path that shouldbe followed in accounting education is to give equal weight to AccountingSystem Implementation General Communiqués, tax l...



    Rose Mery Gómez Tovar


    The research that is presented in this study is based on my experience with deaf students from the Psicology and therapist faculty of human communication which is an academic unit from the Juarez University of the Durango state. This article compiles and analyzes the process of inclusive and educational settings that the institution has.  This study is executed from the adoption of the analysis model of the biographic narrative investigation seen from the cualitative paradigm. In this project...

  1. Financial Information 2015. Australian Vocational Education and Training Statistics (United States)

    National Centre for Vocational Education Research (NCVER), 2016


    This publication provides information on how government-funded vocational education and training (VET) in Australia is financed and where the money is spent. Government-funded VET in the 2015 reporting year is broadly defined as all activity delivered by government providers and government-funded activity delivered by community education providers…

  2. Interprofessional education for personalized medicine through technology-based learning. (United States)

    Haga, Susanne B; Mills, Rachel; Aucoin, Julia; Taekman, Jeff


    The delivery of personalized medicine utilizing genetic and genomic technologies is anticipated to involve many medical specialties. Interprofessional education will be key to the delivery of personalized medicine in order to reduce disjointed or uncoordinated clinical care, and optimize effective communication to promote patient understanding and engagement regarding the use of or need for these services. While several health professional organizations have endorsed and/or developed core competencies for genetics and genomics, the lack of interprofessional guidelines and training may hamper the delivery of coordinated personalized medicine. In this perspective, we consider the potential for interprofessional education and training using technology-based approaches, such as virtual simulation and gaming, compared with traditional educational approaches.


    Directory of Open Access Journals (Sweden)

    Rose Mery Gómez Tovar


    Full Text Available The research that is presented in this study is based on my experience with deaf students from the Psicology and therapist faculty of human communication which is an academic unit from the Juarez University of the Durango state. This article compiles and analyzes the process of inclusive and educational settings that the institution has.  This study is executed from the adoption of the analysis model of the biographic narrative investigation seen from the cualitative paradigm. In this project, the collected information is interpreted through the narrations, interviews, photo evidences and recordings make to the participants in order to give an appropriate response to the different objectives.

  4. Parents’ Education, Personality, and Their Children’s Disruptive Behaviour

    Directory of Open Access Journals (Sweden)



    Full Text Available The aims of this study were (1 to understand the effects of parents' education and personality aspects on child disruptive behavior, (2 to know the correlation between the parents' personality aspects (N-Deference, N-Succorance, NDominance and N-Aggression and the children' disruptive behavior. A quantitative approach to the correlational design was employed. Three variables were studied, namely parents' education and personality as the independent variables and child disruptive behavior as the independent variable. The applied instruments are questionnaires, (2 personality test (EPPS, and (3 observation with time and interval samplings approach. The population is from Magelang, Indonesia, while the participants are 100 children at the age of 5 – 7 years and their parents. The results show that (1 there are some effects of parents' education and personality on child disruptive behavior, and (2 aggressive aspects of the parents' personality gave great effects on child disruptive behavior, followed by the succorance, deference, and at the lowest level, the dominance aspects

  5. Personal Agency Inspired by Hardship: Bilingual Latinas as Liberatory Educators (United States)

    Morales, Amanda R.; Shroyer, M. Gail


    This qualitative multiple case study focused on eleven non-traditional, bilingual, Latinas within a teacher education program. The study explored various factors that influenced participants' desire to pursue and ability to persist as pre-service teachers. The overarching theme identified among participant discourse was personal agency inspired by…

  6. Postsecondary Education and Persons with Intellectual Disabilities: An Introduction (United States)

    Stodden, Robert A.; Whelley, Teresa


    Legislation in recent years, including the ADA , IDEA, and the Olmstead Act, has vastly affected the accessibility of postsecondary education for persons with disabilities. This paper presents an overview of that legislation and considers how the resultant supports and services have become more flexible and increasingly tailored to the…

  7. Teaching Personal and Social Responsibility to Juniors through Physical Education (United States)

    Severinsen, Graeme


    The teaching personal and social responsibility (TPSR) in physical education (PE) has a research base dating back some years. There is significant literature pertaining to senior students, the underserved, problem youth in America, teaching responsibility in gym settings, and through PE and in special projects. At the fore-front of this literature…

  8. personal characteristics and compliance to health education among

    African Journals Online (AJOL)

    Global Journal


    Oct 8, 2016 ... This study investigated personal characteristics (individual factors) ... Three research questions and one hypothesis were formulated to ... Literature ... good nutrition, exercise, clothing and travel during ... health education, she must be aware of the benefits of ..... International Journal for Women's Health.

  9. Steering Capital: Optimizing Financial Support for Innovation in Public Education (United States)

    Smith, Kim; Petersen, Julie


    This paper revisits the central question of how to improve the provision of capital for entrepreneurial change in public education, but emphasizes the innovation ecosystem that surrounds the capital markets. The authors consider capital as one of the most important levers individuals need to align in this innovation ecosystem, but as a force that…

  10. Educational and Financial Impact of Technology on Workforce Development (United States)

    Carruth, Paul J.; Carruth, Ann K.


    In the current evolving economic environment, developing and implementing an effective workforce to improve the skills and capability of employees are seen as central to improving individual and organizational performance and competitiveness. The availability of online education in universities as well as the work place has significantly increased…

  11. Higher Education in Times of Financial Distress: The Minnesota Experience (United States)

    Severns, Roger


    Like many states, Minnesota has incurred large budget deficits during the past two years. Those deficits have, in turn, led to changes in a number of areas of state government, particularly higher education. Faculty have incurred pay freezes and layoffs, programs have closed, and tuition increased. Campuses within the MnSCU system have been…

  12. The "Physically Educated" Person: Physical Education in the Philosophy of Reid, Peters and Aristotle (United States)

    MacAllister, James


    This article will derive a definition and account of the physically educated person, through an examination of the philosophy of Andrew Reid, Richard Peters and Aristotle. Initially, Reid's interpretation of Peters' views about the educational significance of practical knowledge (and physical education) will be considered. While it will…

  13. Investigating Customers' Experiences with Their Financial Services Customer Education Programs as It Impacts Customer Loyalty to the Financial Firm (United States)

    Islam, Kaliym A.


    The problem addressed in this study was that customer education programs are intended to strengthen customer loyalty; however, research on the effects of customer education on customer loyalty remains insufficient. This phenomenological study investigated how the lived experiences of customers' participating in financial services' customer…

  14. After the Fall: Educational Contracting in the USA and the Global Financial Crisis (United States)

    Burch, Patricia


    Key legislative objectives for the US Federal educational policy over the past several decades relied heavily on quasi-market strategies (such as school rating, school closure, the contracting out of schools) as central levers in "reforming" public schools. Using financial data on 11 national for-profit firms contracting with schools and…

  15. Schooling the Crisis? Education in the Aftermath of the Global Financial Crisis (United States)

    Morgan, John


    Five years on from the onset of the global financial crisis, there has been little sustained discussion of its implications for schooling. This is surprising when we consider that for the past three decades education has been shaped by assumptions about the need to prepare students for life in global capitalist economies. The consensus seems to be…

  16. Educating for Financial Literacy: A Case Study with a Sociocultural Lens (United States)

    Sprow Forte, Karin


    This study explored the teaching and learning in an adult financial literacy education program aimed specifically at Latina single mothers to understand the influence of sociocultural factors in this setting. Informed by critical and Latina feminist sociocultural adult learning perspectives and the transtheoretical model of behavior change,…

  17. Financial Regulations and the Diversification of Funding Sources in Higher Education Institutions: Selected European Experiences (United States)

    Stachowiak-Kudla, Monika; Kudla, Janusz


    The paper addresses the problem of the financial regulations' impact on the share of private financing in higher education institutions (HEIs). The authors postulate the trade-off between the size and stability of public financing and the regulations fostering stability of HEIs' funds. If the public sources are insufficient then the regulations…

  18. U.S. Department of Education FY 2010 Summary of Performance and Financial Information (United States)

    US Department of Education, 2011


    This paper presents the U.S. Department of Education's Fiscal Year (FY) "2010 Summary of Performance and Financial Information." FY 2010 was a transition year for the Department as it moves to a new strategic plan. The Department is still firmly committed to its mission of promoting achievement and preparation for global competitiveness…

  19. Introducing Inmates to Extension through Financial Education and Experiential Learning Tools (United States)

    Richel, Karen


    Research shows that in order to reduce recidivism rates in prisons, financial education and other life skills should be a mandatory topic in our prison systems. By creating a learning environment conducive to the specialized needs of this audience, an inmate's ability to set goals, recognize wants and needs, maintain bank accounts, create a…

  20. Financial Management and Relationship Skills Education: Gauging Consumer Interest and Delivery Preferences (United States)

    Futris, Ted G.; Nielsen, Robert B.; Barton, Allen W.


    The study reported here explored level of interest and preferred delivery method of Extension programming related to financial management and relationship skills education. These two subjects comprise areas of Extension that often receive less recognition but appear as pertinent issues in the lives of many individuals. Using a diverse sample of…

  1. Comparing Teacher Education and Finance Majors' Agreement with Financial Morality Topics (United States)

    Lucey, Thomas A.; Bates, Alan


    This article describes findings from a research survey that measured agreement with items that concerned financial morality. The authors analyzed the responses of 382 teacher education majors and finance majors at a Midwestern institution of higher learning in the USA. The study found highest agreement with items measuring business…

  2. Saving for Success: Financial Education and Savings Goal Achievement in Individual Development Accounts (United States)

    Grinstead, Mary L.; Mauldin, Teresa; Sabia, Joseph J.; Koonce, Joan; Palmer, Lance


    Using microdata from the American Dream Demonstration, the current study examines factors associated with savings and savings goal achievement (indicated by a matched withdrawal) among participants of individual development account (IDA) programs. Multinomial logit results show that hours of participation in financial education programs, higher…

  3. Higher Education Decisions in Peru: On the Role of Financial Constraints, Skills, and Family Background (United States)

    Castro, Juan F.; Yamada, Gustavo; Arias, Omar


    This paper analyzes the relative importance of short-term financial constraints "vis-a-vis" skills and other background factors when explaining higher education access in Peru. We focus on the disparities in university enrollment between rich and poor households. We use a novel household survey that includes special tests to measure…

  4. An Educational Program to Assist Clinicians in Identifying Elder Investment Fraud and Financial Exploitation (United States)

    Mills, Whitney L.; Roush, Robert E.; Moye, Jennifer; Kunik, Mark E.; Wilson, Nancy L.; Taffet, George E.; Naik, Aanand D.


    Due to age-related factors and illnesses, older adults may become vulnerable to elder investment fraud and financial exploitation (EIFFE). The authors describe the development and preliminary evaluation of an educational program to raise awareness and assist clinicians in identifying older adults at risk. Participants (n = 127) gave high ratings…

  5. 12 CFR 303.46 - Financial education programs that include the provision of bank products and services. (United States)


    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Financial education programs that include the provision of bank products and services. 303.46 Section 303.46 Banks and Banking FEDERAL DEPOSIT INSURANCE... Branches and Offices § 303.46 Financial education programs that include the provision of bank products and...

  6. Cosmic Education: Formation of a Planetary and Cosmic Personality

    Directory of Open Access Journals (Sweden)

    Bazaluk Oleg


    Full Text Available The major stages of development of cosmic pedagogy have been researched. Based on the achievements of the modern neurosciences as well as of psychology, cosmology, and philosophy, the authors provide their reasoning for the cosmic education and its outlooks for the educational systems of the world. Through the studies of how important human mind is for the Earth and the cosmos and by researching the evolution of human mind within the structure of the Universe, the authors create a more advanced scientific and philosophic basis for the cosmic education where the subject is a comprehensive process of formation and directed progress of both an individual mind and a conglomerate of minds called the "psychospace". The cosmic education researches the permanent progress of the intelligent matter of the Earth. The purpose of the cosmic education has been determined as formation of a planetary and cosmic personality. According to the authors, a planetary and cosmic personality is a harmony of mind, soul, and body, and such harmony is directed to use the internal creative potential of mind to the benefit of the intelligent matter of the entire Earth and the cosmos. The properties of such a planetary and cosmic personality are being improved continuously; they are a sample (the ideal of the cosmic pedagogy and the image of a human being of the future. Through the usage of the entire potential and art of upbringing and educating, the cosmic pedagogy is called to embody the major properties of the image of a human being of the future in the new generations of minds and to form a planetary and cosmic personality capable of self-actualization to the benefit of the permanent progress of the intelligent matter.

  7. Causes and consequences of personal financial management in the case of larger and structural charitable donations

    NARCIS (Netherlands)

    Wiepking, P.; Bekkers, R.H.F.P.


    We study causes and consequences of financial management in households in the specific case of charitable giving. We test hypotheses using couples in the Giving in the Netherlands Panel Study (n = 1,101). We find that more relationship specific investments lead to deciding on charitable giving as

  8. Atomic energy wants new personality. An essay of education and personality in atomic energy

    International Nuclear Information System (INIS)

    Takuma, Masao


    New personality in atomic energy consists of personification of independence, democracy and publication. They are able to create new technologies and new plants with safety and maintenance. The technical experts and all the parties concerned have to explain the situation and the conditions of atomic energy in order to justify the people's trust in them. Only good personality with morals can obtain the confidence of the nation. It is important for new technical experts and all the parties concerned to receive an education related to sociality. (S.Y.)

  9. The Earth System Science Education Experience: Personal Vignettes (United States)

    Ruzek, M.; Aron, J.; Maranto, G.; Reider, D.; Wake, C.


    Colleges and universities across the country and around the world have embraced the Earth system approach to gain deeper understanding of the interrelationships of processes that define the home planet. The Design Guide for Undergraduate Earth System Science Education, a product of the NASA/USRA Earth System Science Education for the 21st Century Program (ESSE 21), represents a synthesis of community understanding of the content and process of teaching and learning about Earth as a system. The web-based Design Guide serves faculty from multiple disciplines who wish to adopt an ESS approach in their own courses or programs. Illustrating the nine topical sections of the Design Guide are a series of short vignettes telling the story of how ESS is being used in the classroom, how ESS has contributed to institutional change and personal professional development, how ESS is being implemented at minority serving institutions, and the impact of ESS education on student research. Most vignettes are written from a personal perspective and reflect a direct experience with Earth System Science Education. Over forty vignettes have been assembled aiming to put a face on the results of the systemic reform efforts of the past fifteen years of the ESSE programs, documenting the sometimes intangible process of education reform to be shared with those seeking examples of ESS education. The vignettes are a vital complement to the Design Guide sections, and are also available as a separate collection on the Design Guide and ESSE 21 web sites.

  10. The Daemon as Educator: Ubiquitous Access to A Personal Mentor

    Directory of Open Access Journals (Sweden)

    Bernard Rosell


    Full Text Available In Socratic philosophy, human beings had access to an inner voice that could be counted on to provide guidance and assistance when needed. This inner voice or daemon was always available and had access to realms of knowledge that mortal consciousness did not have. We propose that the field of Machine Learning has reached the level of maturity where the construction of a personal daemon is now feasible. The ubiquity of broadband access to the internet can guarantee that this personal daemon is always available. Such a construct can greatly increase the efficacy and availability of education for all citizens.

  11. Comparisons among three types of generalist physicians: Personal characteristics, medical school experiences, financial aid, and other factors influencing career choice. (United States)

    Xu, G; Veloski, J J; Barzansky, B; Hojat, M; Diamond, J; Silenzio, V M


    A national survey of family physicians, general internists, and general pediatricians was conducted in the US to examine differences among the three groups of generalists physicians, with particular regard to the factors influencing their choice of generalist career. Family physicians were more likely to have made their career decision before medical school, and were more likely to have come from inner-city or rural areas. Personal values and early role models play a very important role in influencing their career choice. In comparison, a higher proportion of general internists had financial aid service obligations and their choice of the specialty was least influenced by personal values. General pediatricians had more clinical experiences either in primary care or with underserved populations, and they regarded medical school experiences as more important in influencing their specialty choice than did the other two groups. Admission committees may use these specialty-related factors to develop strategies to attract students into each type of generalist career.

  12. Financial Aid and Minority Participation in Graduate Education: A Research Agenda for Today. A Research Report of the Minority Graduate Education (MGE) Project. (United States)

    Nettles, Michael

    A proposed agenda to study why minority participation in graduate education is so limited and so often unsuccessful is presented. Considerations to bear in mind include: what kind of financial returns minority students receive as a result of completing graduate school; the limited financial support available for graduate education; the lack of…

  13. Personal and Financial Risk Typologies Among Women Who Engage in Sex Work in Mongolia: A Latent Class Analysis. (United States)

    Offringa, Reid; Tsai, Laura Cordisco; Aira, Toivgoo; Riedel, Marion; Witte, Susan S


    Women engaged in sex work bear a disproportionate burden of HIV infection worldwide, particularly in low- to middle-income countries. Stakeholders interested in promoting prevention and treatment programs are challenged to efficiently and effectively target heterogeneous groups of women. This problem is particularly difficult because it is nearly impossible to know how those groups are composed a priori. Although grouping based on individual variables (e.g., age or place of solicitation) can describe a sample of women engaged in sex work, selecting these variables requires a strong intuitive understanding of the population. Furthermore, this approach is difficult to quantify and has the potential to reinforce preconceived notions, rather than generate new information. We aimed to investigate groupings of women engaged in sex work. The data were collected from a sample of 204 women who were referred to an HIV prevention intervention in Ulaanbaatar, Mongolia. Latent class analysis was used to create subgroups of women engaged in sex work, based on personal and financial risk factors. This analysis found three latent classes, representing unique response pattern profiles of personal and financial risk. The current study approached typology research in a novel, more empirical way and provided a description of different subgroups, which may respond differently to HIV risk interventions.

  14. Educational inequalities in health expectancy during the financial crisis in Denmark. (United States)

    Brønnum-Hansen, Henrik; Baadsgaard, Mikkel; Eriksen, Mette Lindholm; Andersen-Ranberg, Karen; Jeune, Bernard


    To investigate educational differentials in health expectancy among 50-year-old Danes before and during the financial crisis. Nationwide register data on mortality were combined with data from SHARE surveys in 2006/2007 and 2010/2011 to estimate disability-free life expectancy (DFLE) and expected lifetime in self-rated good health by educational level. The difference in life expectancy between 50-year-old men and women with high and low educational levels increased by 0.3 and 0.8 years, respectively. The overall educational differentials in DFLE did not change much for women, whereas for men the tendency was that DFLE increased for those with high educational level and decreased for those with less education ascending the difference by almost 2 years (from 5.9 to 7.8 years), although the difference was not statistically significant. The educational disparity in expected lifetime in self-rated good health increased by 1.3 years for men and 1.2 years for women. The social inequality in DFLE for men and expected lifetime in self-rated good health for both genders increased slightly during the short period. The financial crisis did not seem to indicate a change in the persistent trend of the widening social gap.

  15. Psycho-education for substance use and antisocial personality disorder

    DEFF Research Database (Denmark)

    Thylstrup, Birgitte; Schrøder, Sidsel; Hesse, Morten


    Background: Antisocial personality disorder often co-exists with drug and alcohol use disorders. Methods: This trial examined the effectiveness of offering psycho-education for antisocial personality disorder in community substance use disorder treatment centers in Denmark. A total of 176 patients......%) of participants randomized to psycho-education attended at least one counselling session, and 21 (23%) attended all six sessions. The Median number of sessions was 2. All patients reduced drug and alcohol problems at 9 months with small within-group effect sizes. Intention-to-treat analyses indicated significant...... differences between ILC and TAU in mean drugs composite score (p = .018) and in PDA (p = .041) at 3 months. Aggression declined in both groups, but no differences between ILC and TAU were observed in terms of alcohol problems or aggression at any follow-up. Conclusions: Moderate short-term improvements...

  16. Historical personalities of the Cuban education. A reflection necesary

    Directory of Open Access Journals (Sweden)

    Yordan Nápoles-Ramírez


    Full Text Available Along the History of the Cuban education, the teaching and the learning of the life and work of the historical personalities has constituted a priority. However, the tendency has prevailed to alone to approach in the different teaching levels the historical personalities from a political-military focus, without conceiving an integrative treatment that embraces other spheres of the social activity. Equal limitations exist in reconstructing the historical context where the same ones were developed and to analyze their narrow one with the diverse social sectors that accompanied her. The present article seeks to demonstrate the necessity to transform the treatment of the historical personalities at the present time. 

  17. Professional and personal enhancement: a pragmatic approach in dental education. (United States)

    Deivanayagam, Kandaswamy; K, Anbarasi


    Students of health education are often offended by the transitions and challenges they face while encountering diverse people, ideas and academic workloads. They may be offended because of reasons not only related to their societal background but also to their basic competence in managing transitions. In the Asian scenario, students enter the first year of professional education in their late teen age along with the definition of self which was created by their parents. There are different issues that arise in this age group that may positively shape or negatively affect the personalities of students. They need to achieve a sense of balance between personal and professional traits on their own. Several students are often unable to cultivate the expected required qualities, which leads to an abject state of mind and hinder their progress. We identified the most common personal and professional hurdles in the lives of dental students and we provided experiential solutions to overcome the hurdles by using a sociable approach through an integrated, continuing education program. Designing and implementing a cohesive, amalgamated and inspiring personal and professional enhancement action program for dental students. Feedback from students reflected that the needs and expectations of students vary with academic phase. In addition students expressed that this program series inculcated some positive skills, and overall, they are satisfied with the utility of the program. Personal and professional enhancement of students in accordance with individual needs as well as with expected requirements needs a committed administrative action plan. Our results in this context are encouraging and can be considered for application in dental institutions.

  18. Financial Literacy with Families: Opportunity and Hope (United States)

    Baron, Lorraine M.


    In this article, the author explores the link between citizens' quantitative literacy abilities and their financial prosperity. The author applies a robust social justice research vision and a Freirean approach to describe personal flourishing within the context of numerical, mathematical, and financial literacy (NMFL) education. Four families…

  19. When does poor subjective financial position hurt the elderly? Testing the interaction with educational attainment using a national representative longitudinal survey. (United States)

    Pu, Christy; Huang, Nicole; Tang, Gao-Jun; Chou, Yiing-Jenq


    Several studies have demonstrated that perceived financial status has a significant impact on health status among the elderly. However, little is known about whether such a subjective perception interacts with objective socioeconomic status (SES) measures such as education that affect the individual's health. This research used data from the Survey of Health and Living Status of the Middle Age and Elderly in Taiwan (SHLS) conducted by the Bureau of Health Promotion, Department of Health in Taiwan. Waves 1996, 1999 and 2003 were used. The sample consisted of 2,387 elderly persons. The interactive effects of self-rated satisfaction with financial position and educational attainment were estimated. Self-rated health (SRH), depressive symptom (measured by CES-D) and mortality were used to measure health outcomes. Significant interaction effect was found for depressive symptoms. Among those who were dissatisfied with their financial position, those who were illiterate had an odds ratio (OR) of 8.3 (95% CI 4.9 to 14.0) for having depressive symptoms compared with those who were very satisfied with their financial position. The corresponding OR for those with college or above was only 2.7 (95% CI 1.0 to 7.3). No significant interaction effect was found for SRH and mortality. Although poor financial satisfaction was found to be related to poorer health, the strongest association for this effect was observed among those with low educational attainment, and this is especially true for depressive symptoms. Subjective financial status among the elderly should be explored in conjunction with traditional measures of SES.

  20. A College Financial Management Center: What Do Students Think? (United States)

    Vienne, Kristy; Slate, John R.


    With the increasing cost of a college education on the rise, college administrators need to address the long term financial, psychological, and academic risks associated with the increased responsibility of personal debt. In this qualitative study, college students' perspectives regarding the need for a personal financial management center at a…

  1. A Personal Journey to Merge Literacy Education and Multicultural Teacher Education (United States)

    Doepker, Gina M.


    There has been considerable attention to multicultural education and how to effectively integrate it into teacher education programs so that it helps teachers to be attentive to and effective for the economically, culturally, and racially diverse student populace. This article will focus on my personal journey with multicultural teacher education…

  2. Students’ personal professional theories in competence-based vocational education: the construction of personal knowledge through internalisation and socialisation

    NARCIS (Netherlands)

    Schaap, Harmen; De Bruijn, Elly; Van der Schaaf, Marieke; Kirschner, Paul A.


    Schaap, H., De Bruijn, E., Van der Schaaf, M. F., & Kirschner, P. A. (2009). Students' personal professional theories in competence-based vocational education: the construction of personal knowledge through internalisation and socialisation. Journal of Vocational Education & Training, 61(4),


    Directory of Open Access Journals (Sweden)

    Raluca EFTIMIE


    Full Text Available In a globalized world where information means power, we are witnessing a reorganization of the labor market, consisting in its computerization, thus, in order to successfully cope with an increasingly sophisticated job, certain skills, advanced knowledge and a diploma of higher education in the field are required. In this context, young people are considering more than ever to invest in their training level, strongly motivated to increase their earnings and quality of life. Throughout life, individuals are encouraged and find reasons to determine them to invest in education and professional development because through the educational system they acquire abilities and knowledge, which are reflected by the change of a person towards the benefit of the entire society.

  4. Expected Rate of Return on the Personal Investment in Education of No-Fee Preservice Students (United States)

    Zhang, Xuemin


    Return on personal investment is an important factor affecting the decision to invest in education. This article analyzes the personal education costs of no-fee preservice students, estimates and forecasts the return on their personal education investment, and compares the costs and benefits of for-fee preservice students and nonteaching students.…

  5. The Impact of Social and Financial Education on Savings Attitudes and Behavior Among Primary School Children in Uganda

    NARCIS (Netherlands)

    Supanantaroek, Suthinee; Lensink, Robert; Hansen, Nina


    Background: Saving plays a crucial role in the process of economic growth. However, one main reason why poor people often do not save is that they lack financial knowledge. Improving the savings culture of children through financial education is a promising way to develop savings attitudes and

  6. Student Aid Time-Bomb: The Coming Crisis in Canada's Financial Aid System. Canadian Educational Report Series (United States)

    Junor, Sean; Usher, Alex


    This paper describes a looming crisis in Canadian student financial assistance. It begins by summarizing the known evidence with respect to student financial assistance. It notes that many studies have emphasized the central importance of grants targeted to low-income students as a means to expand of access to post-secondary education, but that…

  7. Personality Traits of Minority Arab Teachers in the Arab Educational System in Israel (United States)

    Abu Hussain, Jamal; Abu Hussain, Nadia


    The present research examined the personality traits prevalent among Arab teachers as a minority in the Arab educational system in Israel. Personality traits has much significance in the prediction of human behavior in various situations. Personality traits affect a person's behavior. Usually personality traits do not change, and they are…

  8. National Standards for Financial Literacy: Rationale and Content (United States)

    Bosshardt, William; Walstad, William B.


    The "National Standards for Financial Literacy" describe the knowledge, understanding, and skills that are important for students to learn about personal finance. They are designed to guide teachers, school administrators, and other educators in developing curriculum and educational materials for teaching financial literacy. In this…

  9. Community-Based Financial Literacy Education in a Cultural Context: A Study of Teacher Beliefs and Pedagogical Practice (United States)

    Tisdell, Elizabeth J.; Taylor, Edward W.; Forte, Karin Sprow


    This article presents the findings related to teaching beliefs and pedagogical practices of a study that examined how financial literacy educators educate adults from underserved population groups in community-based settings. The study is theoretically framed in the teaching beliefs and culturally responsive education literature. Findings reveal a…

  10. Comparison of In-Person vs. Digital Climate Education Program (United States)

    Anderson, R. K.; Flora, J. A.; Saphir, M.


    In 2014, ACE (Alliance for Climate Education) evaluated the impact of its 45-minute live climate edutainment education program on the knowledge, attitudes and behavior of high school students with respect to climate change. The results showed gains in knowledge, increased engagement, as well as increased communication about climate change with number of students reporting talking about climate change with friends and family more than doubling. In 2016, ACE launched a digital version of its in-person edutainment education program, a 40-minute video version of the live program. This digital version, Our Climate Our Future (OCOF), has now been used by nearly 4,000 teachers nationwide and viewed by over 150,000 students. We experimentally tested the impact of the digital program (OCOF) compared to the live program and a control group. The experiment was conducted with 709 students in 27 classes at two North Carolina public high schools. Classes were assigned to one of three conditions: digital, live and control. In the digital version, students watched the 40-minute OCOF video featuring the same educator that presented the live program. In the live version, students received an identical 40-minute live presentation by an ACE staff educator The control group received neither treatment. When compared to controls, both programs were effective in positively increasing climate change knowledge, climate justice knowledge, perceived self-efficacy to make climate-friendly behavior changes, and beliefs about climate change (all statistically significant at or above P<.01). In the areas of hope that people can solve climate change and intent to change behavior, only the live program showed significant increases. In these two areas, it may be that an in-person experience is key to affecting change. In light of these positive results, ACE plans to increase the use of OCOF in schools across the country to assist teachers in their efforts to teach about climate change.

  11. Financial and Mathematical Model of Payroll for Labour Remuneration of Teaching Staff in the Sphere of Secondary Professional Education

    Directory of Open Access Journals (Sweden)

    Aleksandr Vladimirovich Dorzhdeev


    Full Text Available The article is devoted to building up a financial and mathematical model and designing the appropriate procedure of forming the quota, directed to the payroll of the vocational education teaching staff under the circumstances of normative-per capita financing. Nowadays the given problem occurred after the implementation of normative-per capita financing system is one of the most urgent and complicated problems. The procedures used in many educational institutions are outdated, based on a totally hourly basis and don’t meet the modern requirements of the educational economics and financial management. The approach, suggested in the article, not only solves many financial problems of educational institutions but also reveals problem areas, unprofitable educational programs, resolves optimization tasks, and proposes the algorithm of making the appropriate managerial decisions. Besides, the article describes the distribution procedure of the teaching staff payroll among structural subdivisions of the vocational educational institutions. In the context of the given model, financing should be implemented in proportion to the part of the structural subdivision in the educational process. This part is determined on the basis of the education financial plan of the current academic year of each educational program in this educational institution. In addition, the part of each structural subdivision is determined as the sum of parts of the respective subjects of the educational plan. The suggested procedure promotes the optimization of managing financial performance of vocational educational institutions, provides the opportunity of implementing individual contracts with the teaching staff, and using a number of other modern approaches to financial management of educational institutions.


    Directory of Open Access Journals (Sweden)

    Hasan KARAL


    Full Text Available Nowadays knowledge and communication technologies are developing rapidly and changing people’s lives. With the help of the developing technologies, people can access knowledge independent of time and place and distance education technologies offer handicapped students a range of opportunities in order that they may access a better level of education. By defining perceptions related to the distance education of a physically handicapped student engaged in a program of synchrony distance education at Karadeniz Technical University to throw a fresh light on this topic. Due to the nature research problem, phenomenology, one of qualitative research patterns, was used in this study which has a qualitative character. In this study, because it was intended to present a handicapped person’s thoughts related to distance education, semi-structured interview, one of qualitative data collection techniques was thought to be the most appropriate data collection instrument. The sampling of the research included the handicapped student receiving courses by synchrony distance education in Karadeniz Technical University, two friends of the student following the same course and the assistant in the course environment. The interviews were recorded with a video camera, a transcript of each of the interviews was prepared and the data was analyzed scientifically. In the light of the research findings, it was decided that the synchrony distance education environment helped handicapped person feel more secure and relaxed and for his handicap not to be noticed by others. In addition, without the lecturers’ feeling of compassion, it presented handicapped student with an opportunity to prove himself. Also, because the courses classes? were recorded in this environment, students could review the content of the class in their own time and this process could be repeated, thus the students could learn at their own speed.

  13. The Effect of Socio-Economic status of Parents, Family Financial Management Education and Learning in Universities Connected with the Financial Literacy of the Students

    Directory of Open Access Journals (Sweden)

    Irin Widayati


    Key Words: socio-economic status of parents, family financial management education, learning in college, financial literacy   Abstrak: Tujuan penelitian ini untuk mengkaji pengaruh langsung maupun tak langsung status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, dan pembelajaran di perguruan tinggi terhadap literasi finansial. Data dikumpulkan dengan melalui tes dan angket. Teknik analisis data dengan analisis jalur dan analisis regresi dengan uji selisih mutlak. Hasil penelitian adalah terdapat pengaruh langsung maupun tak langsung status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, dan pembelajaran di perguruan tinggi terhadap literasi finansial. Kata kunci: status sosial ekonomi orang tua, pendidikan pengelolaan keuangan keluarga, pembelajar-an di perguruan tinggi, literasi finansial

  14. An Economic Model of Mortality Salience in Personal Financial Decision Making: Applications to Annuities, Life Insurance, Charitable Gifts, Estate Planning, Conspicuous Consumption, and Healthcare

    Directory of Open Access Journals (Sweden)

    Russell N James III


    Full Text Available The study of personal mortality salience and the denial of death have a long history in psychology leading to the modern field of Terror Management Theory. However, a simple consumer utility function predicts many of the outcomes identified in experimental research in this field. Further, this economic approach explains a range of otherwise unexpected financial decision-making behaviors in areas as diverse as annuities, life insurance, charitable gifts and bequests, intra-family gifts and bequests, conspicuous consumption, and healthcare. With its relevance to such a wide range of personal financial decisions, understanding the impact of mortality salience can be particularly useful to advisors in related fields.

  15. Strategies to overcome clinical, regulatory, and financial challenges in the implementation of personalized medicine. (United States)

    Tsimberidou, Apostolia M; Ringborg, Ulrik; Schilsky, Richard L


    This article highlights major developments over the last decade in personalized medicine in cancer. Emerging data from clinical studies demonstrate that the use of targeted agents in patients with targetable molecular aberrations improves clinical outcomes. Despite a surge of studies, however, significant gaps in knowledge remain, especially in identifying driver molecular aberrations in patients with multiple aberrations, understanding molecular networks that control carcinogenesis and metastasis, and most importantly, discovering effective targeted agents. Implementation of personalized medicine requires continued scientific and technological breakthroughs; standardization of tumor tissue acquisition and molecular testing; changes in oncology practice and regulatory standards for drug and device access and approval; modification of reimbursement policies by health care payers; and innovative ways to collect and analyze electronic patient information that are linked to prospective clinical registries and rapid learning systems. Informatics systems that integrate clinical, laboratory, radiologic, molecular, and economic data will improve clinical care and will provide infrastructure to enable clinical research. The initiative of the EurocanPlatform aims to overcome the challenges of implementing personalized medicine in Europe by sharing patients, biologic materials, and technological resources across borders. The EurocanPlatform establishes a complete translational cancer research program covering the drug development process and strengthening collaborations among academic centers, pharmaceutical companies, regulatory authorities, health technology assessment organizations, and health care systems. The CancerLinQ rapid learning system being developed by ASCO has the potential to revolutionize how all stakeholders in the cancer community assemble and use information obtained from patients treated in real-world settings to guide clinical practice, regulatory

  16. A budget model to determine the financial health of nursing education programs in academic institutions. (United States)

    Donnelly, Gloria


    In the allocation of resources in academic settings, hierarchies of tradition and status often supersede documented need. Nursing programs sometimes have difficulty in getting what they need to maintain quality programs and to grow. The budget is the crucial tool in documenting nursing program needs and its contributions to the entire academic enterprise. Most nursing programs administrators see only an operating expense budget that may grow or shrink by a rubric that may not fit the reality of the situation. A budget is a quantitative expression of how well a unit is managed. Educational administrators should be paying as much attention to analyzing financial outcomes as they do curricular outcomes. This article describes the development of a model for tracking revenue and expense and a simple rubric for analyzing the relationship between the two. It also discusses how to use financial data to improve the fiscal performance of nursing units and to leverage support during times of growth.

  17. Financial Health of the Higher Education Sector: 2015-16 to 2018-19 Forecasts. Data Analysis. November 2016/34 (United States)

    Higher Education Funding Council for England, 2016


    This report provides an overview of the forecast financial health of the HEFCE-funded higher education (HE) sector in England. The analysis covers the financial forecasts for the period 2015-16 to 2018-19, based on information submitted by higher education institutions (HEIs) to HEFCE in July 2016. Financial Reporting Standard (FRS) 102 is the new…

  18. A Longitudinal Evaluation of the Intermediate-Term Impact of the "Money Smart" Financial Education Curriculum upon Consumers' Behavior and Confidence (United States)

    Federal Deposit Insurance Corporation, 2007


    Using data collected from a pre-training survey, post-training survey, and telephone follow-up survey, this study analyzes the impact of the Money Smart financial education curriculum upon the financial opinions and behaviors of course participants during the survey period. The data indicate that Money Smart financial education training positively…

  19. Balancing Responsibilities – Financial Literacy

    Directory of Open Access Journals (Sweden)

    Gail Pearson


    Full Text Available In Australia there is an obligation to promote the informed participation of financial consumers while in South Africa there is an obligation to educate consumers. The Australian obligation is concerned with the financial system as a whole while the South African obligation has generally been focused on general financial education as a tool to promote financial inclusion. There is no obligation for consumers to attain a minimum standard of literacy in credit or finance generally. Financial literacy is one among a number of strategies directed towards inducing changes in consumer behaviour. It sits between the old regulatory model which relies on disclosure of information for effective and rational decision-making and a newer regulatory model which takes into account individuals' perceptions and behavioural biases and may seek to accommodate for these by imposing obligations on financial services providers beyond the mere disclosure of information. Financial literacy is generally the ability to understand how money works, how a person can earn money or make it more. It specifically refers to the set of skills and knowledge that allows people to make informed and effective decisions with all of their financial resources. This article discusses Australian and South African legal obligations and social responsibilities aimed at promoting the financial literacy of consumers.

  20. Self-Education of Adults for Personal Growth

    Directory of Open Access Journals (Sweden)

    Vida Premrl


    Full Text Available The command of active and autonomous life-forming is a value which is rapidly gaining ground nowadays. All the knowledge, acquired during the formal educational process, is worth only if one knows how to make use of it. To be able to do this, one has to have a profound understanding of him-/herself. In the past the spiritual core of people was the domain of various religions. But the time has come when also medicine, psychology, and pedagogy should start paying attention to these issues. In the process of personal growth one develops the consciousness about him-/her self. The capacity of taking decisions is in close relation to personal maturity and is not dependent on forma!education and the amount of knowledge one possesses. The essence of the edu­ cational programme of Gama - School for Stable Life is based upon depth meditation, which enables one to make a profound contact with his/her own spiritual core.

  1. The Values-Based Infrastructure of Non-Formal Education: A Case Study of Personal Education in Israeli Schools (United States)

    Goldratt, Miri; Cohen, Eric H.


    This article explores encounters between formal, informal, and non-formal education and the role of mentor-educators in creating values education in which such encounters take place. Mixed-methods research was conducted in Israeli public schools participating in the Personal Education Model, which combines educational modes. Ethnographic and…

  2. Students' Personal Professional Theories in Competence-Based Vocational Education: The Construction of Personal Knowledge through Internalisation and Socialisation (United States)

    Schaap, H.; de Bruijn, E.; Van der Schaaf, M. F.; Kirschner, P. A.


    Competence-based vocational education is based on a constructivist learning paradigm, where the development of students' personal professional knowledge is emphasised. However, there is a lack of insight into how students construct their own professional knowledge and what the content and nature of personal professional knowledge is. This article…

  3. Students' Personal Networks in Virtual and Personal Learning Environments: A Case Study in Higher Education Using Learning Analytics Approach (United States)

    Casquero, Oskar; Ovelar, Ramón; Romo, Jesús; Benito, Manuel; Alberdi, Mikel


    The main objective of this paper is to analyse the effect of the affordances of a virtual learning environment and a personal learning environment (PLE) in the configuration of the students' personal networks in a higher education context. The results are discussed in light of the adaptation of the students to the learning network made up by two…

  4. Age and education corrected older adult normative data for a short form version of the Financial Capacity Instrument. (United States)

    Gerstenecker, Adam; Eakin, Amanda; Triebel, Kristen; Martin, Roy; Swenson-Dravis, Dana; Petersen, Ronald C; Marson, Daniel


    Financial capacity is an instrumental activity of daily living (IADL) that comprises multiple abilities and is critical to independence and autonomy in older adults. Because of its cognitive complexity, financial capacity is often the first IADL to show decline in prodromal and clinical Alzheimer's disease and related disorders. Despite its importance, few standardized assessment measures of financial capacity exist and there is little, if any, normative data available to evaluate financial skills in the elderly. The Financial Capacity Instrument-Short Form (FCI-SF) is a brief measure of financial skills designed to evaluate financial skills in older adults with cognitive impairment. In the current study, we present age- and education-adjusted normative data for FCI-SF variables in a sample of 1344 cognitively normal, community-dwelling older adults participating in the Mayo Clinic Study of Aging (MCSA) in Olmsted County, Minnesota. Individual FCI-SF raw scores were first converted to age-corrected scaled scores based on position within a cumulative frequency distribution and then grouped within 4 empirically supported and overlapping age ranges. These age-corrected scaled scores were then converted to age- and education-corrected scaled scores using the same methodology. This study has the potential to substantially enhance financial capacity evaluations of older adults through the introduction of age- and education-corrected normative data for the FCI-SF by allowing clinicians to: (a) compare an individual's performance to that of a sample of similar age and education peers, (b) interpret various aspects of financial capacity relative to a normative sample, and (c) make comparisons between these aspects. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

  5. Philosophy of Education: Main Methodological Vectors of Moulding the Person of the Future in Higher Education

    Directory of Open Access Journals (Sweden)

    Galyna Berehova


    Full Text Available The paper discusses the main methodological vectors of the world outlook moulding of the person of the future in higher school required with time and defined with the state of the modern higher education in Ukraine, external and internal social and economic, political and cultural processes. The necessity of moulding a new (modern practical world outlook of the young person in higher school, — the world outlook, which would embrace professional activity wider, joining in harmony the general values of the social system, is confirmed. The strategic approaches to the educational-and-bringing up system of higher educational establishments are outlined, the main methodological vectors of moulding the world outlook of the person of the future in higher school are determined. The first of such vectors is the correlation of moral grounds of our modern society (and of the personality in it with the polyphony of global transformations, and thus taking into consideration the constant changes in the moral status of the modern young person in the contemporary educational spaciousness as the result of influence of general ethical processes in the world (social constructivism, cultural determinism, the negation of the individual identity, non-acceptance of traditionalism, the negation of the universalism of ethical principles, unrecognition of the transcendental origin of ethical norms. The second vector of moulding the world outlook of the person of the future is the humanization and humanitarization of higher school, which can, in the unity of synergetic character, help the humankind move away from the consumer’s attitude to the nature and society. It is mentioned that the humanization and humanitarization of higher education can be deepened by means of the humanitarian disciplines which give the whole idea about the person-nature-society and the sense of the person’s existence, reached by regulating the richness of content of the educational material

  6. A Meta-Analysis of Adult-Rated Child Personality and Academic Performance in Primary Education (United States)

    Poropat, Arthur E.


    Background: Personality is reliably associated with academic performance, but personality measurement in primary education can be problematic. Young children find it difficult to accurately self-rate personality, and dominant models of adult personality may be inappropriate for children. Aims: This meta-analysis was conducted to determine the…

  7. Role of Teacher Educational Institutions in Developing Personality of Student Teachers (United States)

    Prakash, Srinivasan; Xavier S. J., S. Amaladoss


    Teacher Education is an integral part of any educational system. It should provide a platform in developing the holistic personality of a student teacher. This paper reports on personality of student teachers and the role of Teacher Educational institutions in developing it. The sample consists of 1,080 student teachers of Madurai revenue…

  8. Making "Good" or "Critical" Citizens: From Social Justice to Financial Literacy in the Québec Education Program (United States)

    Lefrançois, David; Ethier, Marc-André; Cambron-Prémont, Amélie


    Purpose: The Québec Ministry of Education has introduced--as of September 2017--a new mandatory course focusing on financial literacy and addressing such issues as credit scores, loans, taxes and budgets. This announcement has created intense educational debate on the "raison d'être" and content of the course. This article will summarise…

  9. The Big Five at school : The impact of personality on educational attainment

    NARCIS (Netherlands)

    Eijck, C.J.M. van; Graaf, P.M. de


    We investigated the effects of the Big Five personality traits (extroversion, friendliness, conscientiousness, emotional stability, and openness) on educational attainment in the Netherlands, using data from the '1998 Family Survey Dutch Population'. All five basic personality traits have

  10. Who 'fits' the science and technology profile? Personality differences in secondary education

    NARCIS (Netherlands)

    Korpershoek, Hanke; Kuyper, Hans; van der Werf, Greetje; Bosker, Roe; Van der Werf, M.P.C.


    The present study explores the relationship between personality characteristics and students' subject choice in secondary education and addresses the question: Are there differences in personality characteristics among students choosing different school subjects?' The research included 3992 9th

  11. Does Financial Literacy Moderate the Relationship among Demographic Characteristics and Financial Risk Tolerance? Evidence from Egypt

    Directory of Open Access Journals (Sweden)

    Amir Ali Shusha


    Full Text Available Financial risk tolerance is certainly an important topic for researchers, investors and personal financial planners or consultants. This study purposed to investigate the effect of demographic characteristics on financial risk tolerance among Egyptians. A literature review of demographic determinants of financial risk tolerance showed dialectical results. Therefore, this study attempts to clarify the debatable issues in these results by studying the moderating role of financial literacy in relationships among demographic characteristics and financial risk tolerance. The study sample included 386 respondents representing different segments of Egyptian people. Using the hierarchical regression analysis, the results demonstrated that there were significant effects of gender, age, educational level and annual income on financial risk tolerance. Moreover, the financial literacy moderates the relationships among demographic characteristics of individuals and their tendency to take a risk.

  12. A Performance Weighted Collaborative Filtering algorithm for personalized radiology education. (United States)

    Lin, Hongli; Yang, Xuedong; Wang, Weisheng; Luo, Jiawei


    Devising an accurate prediction algorithm that can predict the difficulty level of cases for individuals and then selects suitable cases for them is essential to the development of a personalized training system. In this paper, we propose a novel approach, called Performance Weighted Collaborative Filtering (PWCF), to predict the difficulty level of each case for individuals. The main idea of PWCF is to assign an optimal weight to each rating used for predicting the difficulty level of a target case for a trainee, rather than using an equal weight for all ratings as in traditional collaborative filtering methods. The assigned weight is a function of the performance level of the trainee at which the rating was made. The PWCF method and the traditional method are compared using two datasets. The experimental data are then evaluated by means of the MAE metric. Our experimental results show that PWCF outperforms the traditional methods by 8.12% and 17.05%, respectively, over the two datasets, in terms of prediction precision. This suggests that PWCF is a viable method for the development of personalized training systems in radiology education. Copyright © 2014. Published by Elsevier Inc.

  13. Enhancing clinical communication in dermatologists: a personalized educational intervention. (United States)

    Tsimtsiou, Zoi; Stavropoulou, Charitini; Papastefanou, Noni; Lionis, Christos


    Effective communication is a vital component of patient-centered consultations with favorable treatment outcomes. This study aimed in testing the effectiveness of a personalized, communication training program for dermatologists in their practices. Fifteen dermatologists were offered the educational intervention NO.TE.S. (Non-Technical Skills). Depending on the dermatologists' needs, seven to nine sessions with a 60-min duration were performed, focusing on: patient-centered care, principles of Neurolinguistic Programming, a guide to the medical interview, principles of motivational interviewing and self-care. After the program's completion, participants completed anonymously an 18-item evaluation questionnaire. All 14 participants would suggest NO.TE.S to a colleague. According to the main themes identified, their participation led to (i) re-consideration of the physician-patient relationship, (ii) more conscious application of the patient-centered model, (iii) improvement in communication skills, (iv) awareness of medical interview guides, (v) increase in self-confidence, and (vi) techniques of self-care. Eleven physicians (78.6%) declared improvement in patients' satisfaction, 14 (100%) in their own satisfaction, seven (50%) in adherence to therapeutic plan and seven (50%) in treatment outcomes. The one-to-one coaching is a convenient and well-received personalized means of enhancing clinical communication in dermatologists, leading to more patient-centered medical encounters with better treatment outcomes.

  14. The perceived influence of financial risk factors on the viability of nurse anesthesia educational programs. (United States)

    Myers, Sonja J; Martin-Sheridan, Denise


    Monetary cutbacks have occurred in the healthcare industry with increasing incidence since the mid-1980s. Attempts at self-preservation through cost-constraint have been instituted by hospitals, Medicare and Medicaid, and private insurance companies. Curtailment of expenditures, as well as reestablishing profit, has taken many forms. These include managed care, mergers, changing profit status, and aggressive competition. The purpose of this study was to evaluate whether directors of nurse anesthesia programs (NAPs) perceived these items as being detrimental to their NAPs. Data were gathered by descriptive survey design by completing a survey tool. Findings identified directors perceived NAPs at moderate to high risk for closure because of the financial constraints hospitals are experiencing as a result of healthcare reimbursement cutbacks. We found it interesting that many directors were either unaware or considered the hospitals' financial burdens as not impacting their NAP. However, directors who had taken courses or seminars with a focus on issues affecting the financing and reimbursement of healthcare institutions perceived significantly greater risk than those who did not. Potential learning opportunities and strategies to ameliorate risk were identified. Additional education may provide the knowledge and insight to find alternatives to risk, develop strategies, and promote more successful and stable nurse anesthesia educational programs.

  15. Motivation for Adult Education – An example of an evaluation study of a personal education plan

    Directory of Open Access Journals (Sweden)

    Sonja Kump


    Full Text Available In this paper we examine the role of the personal education plan (PEP in increasing the performance of adults in vocational and technical education in Slovenia. A survey questionnaire and the analysis of qualitative interviews were used in selected institutions, providing vocational and technical programmes for adult learners. We are interested in the preparation and realization of the PEP, who participates in the process, the role of the PEP in the educational process and what obstacles educational institutions are facing. We also examine the attitudes of the experts in educational institutions to preparation and implementation of the PEP. In addition, we are interested in their experience of this instrument as a participants’ motivational factor and its influence on reducing the barriers they encounter in the process of education. We have found that in the preparation of PEP many problems appear for both the organisers and educators on the one hand and the learners on the other. The reasons are lack of human resources, particularly inthe preparation and execution of PEPs, lack of time for preparation of PEPs, and other, structural, circumstances preventing proper planning of the educational process in accordance with the PEP. The participants generally observe that, in the form used today,the PEPin most cases fails to be the motivational tool and incentive for better education and learning,which it was planned to become.

  16. WPA ISSPD educational program: Module II. Advances in research and understanding of personality disorders

    DEFF Research Database (Denmark)

    Ronningstam, Elsa; Simonsen, Erik; Millon, Theodore


    of their heritability and aetiological origin, variability over time and between cultures, and change and remission. A curriculum suggesting different educational approaches to the programme, now available on the Internet, aims at promoting integrative learning and discussion among clinicians and educators in study......Recent advances in research, clinical observations and treatment have contributed to several major changes in the conceptualization of personality disorders. Featured in an educational programme on personality disorders prepared by the World Psychiatric Association (WPA) Section on Personality...

  17. Virtual initiation of persons in late adulthood - from classroom/lesson education to gamification

    Directory of Open Access Journals (Sweden)

    Ewa Jurczyk-Romanowska


    Full Text Available With the development of Information and Communication Technologies one can observe the phenomenon of e-exclusion of certain social groups. Among them there are the persons in late adulthood who for various reasons do not use computers or the internet. The causes of this can be located in the low financial status of this social group. At the same time, the argument is raised that the more important problem is the lack of motivation and the number of obstacles that seniors face in their access to ICT. The paper presents the conclusions from the research conducted with the Avec Association and the Games and Innovation in Education Research Team - Edutainment (Zespół Badawczy Gier i Innowacji w Edukacji - Edutainment. This encompasses, on the one hand, problems pertaining to seniors’ motivation, the obstacles that they face, their perception of the virtual world, and on the other, the description of the search for new educational methods that may make it possible to increase the effectiveness of computer skills training courses

  18. Understanding Financial Statements. Financial Matters. Board Basics. (United States)

    McCarthy, John H.; Turner, Robert M.


    This booklet for trustees of higher education institutions offers guidelines to help trustees understand the institution's financial statements. Individual sections describe the three major financial statements and cover topics such as: (1) standards of the Financial Accounting Standards Board; (2) the "statement of financial position,"…

  19. Determining Satisfaction with Access and Financial Aspects of Care for Persons Exposed to Libby Amphibole Asbestos: Rural and National Environmental Policy Implications

    Directory of Open Access Journals (Sweden)

    Charlene A. Winters


    Full Text Available Libby, Montana is a Superfund site and epicenter of one of the worst environmental disasters in the USA history in terms of asbestos-related mortality and morbidity. Perceptions of access and financial aspects of care were explored among a national cohort of persons postasbestos exposure and prior to a 2009 Public Health Emergency Declaration. Our findings indicated the Libby cohort was significantly less satisfied with access and financial aspects of care as measured by two PSQ-III scales when compared to an adult, chronically ill patient sample. Participants with higher levels of respiratory morbidity and depression had significantly lower satisfaction scores.

  20. Determining Satisfaction with Access and Financial Aspects of Care for Persons Exposed to Libby Amphibole Asbestos: Rural and National Environmental Policy Implications

    International Nuclear Information System (INIS)

    Winters, Ch.A.; Kuntz, S.W.; Hill, W.; Weinert, C.; Rowse, K.


    Libby, Montana is a Superfund site and epicenter of one of the worst environmental disasters in the USA history in terms of asbestos-related mortality and morbidity. Perceptions of access and financial aspects of care were explored among a national cohort of persons post asbestos exposure and prior to a 2009 Public Health Emergency Declaration. Our findings indicated the Libby cohort was significantly less satisfied with access and financial aspects of care as measured by two PSQ-III scales when compared to an adult, chronically ill patient sample. Participants with higher levels of respiratory morbidity and depression had significantly lower satisfaction scores

  1. Students' Perceptions of a Scaffolded Approach to Learning Financial Planning: An Empirical Study (United States)

    Cull, Michelle; Davis, Glenda


    In the aftermath of the global financial crisis (GFC), one understandable area of scrutiny and pressure for reform is the educational background and professionalism of personal financial advisers. This Australian study reports on a three-year investigation into students' perceptions of "scaffolded" instruction in financial planning. The…

  2. The attitudes of future special educators towards persons with developmental difficulties

    Directory of Open Access Journals (Sweden)

    Brojčin Branislav


    Full Text Available In line with the change of the society attitudes towards persons with disabilities there is increased interest in examining the atitudes twards them. Because of the role in the treatment, education and inclusion of such persons in wider social community, the attitudes of the students of special education become especially relevant. The aim of the research was to determine the attitudes of the future special educators towards persons with disabilities, the level of discomfort they feel in interaction with them, as well as the frequency of fontacts of students of special education with such persons. 103 students of the first cycle of the study program Special Education at the Faculty of Medicine in Foča. In the research we used the Scale for evaluating attitudes towards persons with disabilities, the Scale of interactions with persons with disabilities, and the Scale for assessing the frequency of contacts with persons with disabilities. Special education students on average have mildly positive attitudes towards persons with disabilities and feel somewhat comfortable in direct interactions with them, but the contacts with them are relatively rare. Among the examined variables significant relation was found between the year of study of the examinees and the frequency of their contacts with persons with disabilities. The obtained results indicate the need for a more significant shift of focus from medical to a social model of disability in the education of students of special education.

  3. Financial Management: Overall Plan Needed To Guide System Improvements at Education. United States General Accounting Office Report to the Secretary of Education. (United States)

    General Accounting Office, Washington, DC.

    The U.S. Department of Education's financial management environment and effectiveness are described, together with the reliability of its accounting and internal control systems for the management of the money it gives or lends to schools, individual students, states, and local education agencies. The study found that key accounting and related…

  4. Continuous glucose monitoring technology for personal use: an educational program that educates and supports the patient. (United States)

    Evert, Alison; Trence, Dace; Catton, Sarah; Huynh, Peter


    The purpose of this article is to describe the development and implementation of an educational program for the initiation of real-time continuous glucose monitoring (CGM) technology for personal use, not 3-day CGMS diagnostic studies. The education program was designed to meet the needs of patients managing their diabetes with either diabetes medications or insulin pump therapy in an outpatient diabetes education center using a team-based approach. Observational research, complemented by literature review, was used to develop an educational program model and teaching strategies. Diabetes educators, endocrinologists, CGM manufacturer clinical specialists, and patients with diabetes were also interviewed for their clinical observations and experience. The program follows a progressive educational model. First, patients learn in-depth about real-time CGM technology by attending a group presensor class that provides detailed information about CGM. This presensor class facilitates self-selection among patients concerning their readiness to use real-time CGM. If the patient decides to proceed with real-time CGM use, CGM initiation is scheduled, using a clinic-centered protocol for both start-up and follow-up. Successful use of real-time CGM involves more than just patient enthusiasm or interest in a new technology. Channeling patient interest into a structured educational setting that includes the benefits and limitations of real-time CGM helps to manage patient expectations.

  5. Knowledge translation regarding financial abuse and dementia for the banking sector: the development and testing of an education tool. (United States)

    Peisah, Carmelle; Bhatia, Sangita; Macnab, Jenna; Brodaty, Henry


    Financial abuse is the most common form of elder abuse. Capacity Australia, established to promote education regarding capacity and abuse prevention across health, legal and financial sectors, was awarded a grant by the Dementia Collaborative Research Centre to educate the banking sector on financial abuse and dementia. We aimed to develop a knowledge translation tool for bank staff on this issue. The banking sector across Australia was engaged and consulted to develop a tailored education tool based on Australian Banking Association's Guidelines on Financial Abuse Prevention, supplemented by information related to dementia, financial capacity and supported decision-making. The tool was tested on 69 banking staff across Australia from two major banks. An online education tool using adaptive learning was developed, comprising a pretest of 15 multiple choice questions, followed by a learning module tailored to the individual's performance on the pretest, and a post-test to assess knowledge translation. A significant increase in scores was demonstrated when baseline scores were compared with post-course scores (mean difference in scores = 3.5; SD = 1.94; t = 15.1; df = 68; p tool took approximately 10-20 min to complete depending on the knowledge of participant and continuity of completion. The Australian banking industry was amenable to assist in the development of a tailored education tool on dementia, abuse and financial capacity. This online e-tool provides an effective medium for knowledge translation. Copyright © 2015 John Wiley & Sons, Ltd. Copyright © 2015 John Wiley & Sons, Ltd.

  6. The Intention of General Education in Taiwan's Universities: To Cultivate the Holistic Person (United States)

    Shih, Yi-Huang; Hsu, Jen-Pin; Ye, Yan-Hong


    The cultivation of the holistic person has always been a topic of concern for general education in Taiwan's universities. Hopefully students can attain a more perfect human nature. So the question is how to practice general education to cultivate the holistic person. This is the focus of this article. After reading and analyzing related studies,…

  7. Re-Envisioning Religious Education in Light of Persons with "Disabilities" (United States)

    Kyle, Eric J.


    The lived experience of persons with disabilities necessarily challenges our understandings of religious education. In this article, the author reviews how the marginalized lives of persons with disabilities might lead us to re-envision how religious education is defined and embodied in Western Christian communities. Based on this, suggestions are…

  8. DefenseLink Feature: Personal Finance (United States)

    Multimedia / Photos Videos Publications Bloggers DoD Websites Personal Finance Resources As part of the finance director said here recently. Story Security Expert Advises Troops to Safeguard Personal, Financial education in personal finance that commanders say goes a long way in promoting battle readiness. Story

  9. Personality and the Intergenerational Transmission of Educational Attainment: Evidence from Germany (United States)

    Ryberg, Renee; Bauldry, Shawn; Schultz, Michael A.; Steinhoff, Annekatrin; Shanahan, Michael


    Research based in the United States, with its relatively open educational system, has found that personality mediates the relationship between parents’ and child’s educational attainment and this meditational pattern is especially beneficial to students from less-educated households. Yet in highly structured, competitive educational systems, personal characteristics may not predict attainment or may be more or less consequential at different points in the educational career. We examine the salience of personality in the educational attainment process in the German educational system. Data come from a longitudinal sample of 682 seventeen to twenty-five year-olds (54% female) from the 2005 and 2015 German Socio-Economic Panel (SOEP). Results show that adolescent personality traits — openness, neuroticism, and conscientiousness — are associated with educational attainment, but personality plays a negligible role in the intergenerational transmission of education. Personality is influential before the decision about the type of secondary degree that a student will pursue (during adolescence). After that turning point, when students have entered different pathways through the system, personality is less salient. Cross-national comparisons in a life course framework broaden the scope of current research on non-cognitive skills and processes of socioeconomic attainment, alerting the analyst to the importance of both institutional structures and the changing importance of these skills at different points in the life course. PMID:28707154

  10. Personality and the Intergenerational Transmission of Educational Attainment: Evidence from Germany. (United States)

    Ryberg, Renee; Bauldry, Shawn; Schultz, Michael A; Steinhoff, Annekatrin; Shanahan, Michael


    Research based in the United States, with its relatively open educational system, has found that personality mediates the relationship between parents' and child's educational attainment and this mediational pattern is especially beneficial to students from less-educated households. Yet in highly structured, competitive educational systems, personality characteristics may not predict attainment or may be more or less consequential at different points in the educational career. We examine the salience of personality in the educational attainment process in the German educational system. Data come from a longitudinal sample of 682 17 to 25 year-olds (54% female) from the 2005 and 2015 German Socio-Economic Panel (SOEP). Results show that adolescent personality traits-openness, neuroticism, and conscientiousness-are associated with educational attainment, but personality plays a negligible role in the intergenerational transmission of education. Personality is influential before the decision about the type of secondary degree that a student will pursue (during adolescence). After that turning point, when students have entered different pathways through the system, personality is less salient. Cross-national comparisons in a life course framework broaden the scope of current research on non-cognitive skills and processes of socioeconomic attainment, alerting the analyst to the importance of both institutional structures and the changing importance of these skills at different points in the life course.

  11. Understanding Turkish students' preferences for distance education depending on financial circumstances: A large-scale CHAID analysis (United States)

    Firat, Mehmet


    In the past, distance education was used as a method to meet the educational needs of citizens with limited options to attend an institution of higher education. Nowadays, it has become irreplaceable in higher education thanks to developments in instructional technology. But the question of why students choose distance education is still important. The purpose of this study was to determine Turkish students' reasons for choosing distance education and to investigate how these reasons differ depending on their financial circumstances. The author used a Chi squared Automatic Interaction Detector (CHAID) analysis to determine 18,856 Turkish students' reasons for choosing distance education. Results of the research revealed that Turkish students chose distance education not because of geographical limitations, family-related problems or economic difficulties, but for such reasons as already being engaged in their profession, increasing their knowledge, and seeking promotion to a better position.

  12. The measurement equivalence of Big Five factor markers for persons with different levels of education. (United States)

    Rammstedt, Beatrice; Goldberg, Lewis R; Borg, Ingwer


    Previous findings suggest that the Big-Five factor structure is not guaranteed in samples with lower educational levels. The present study investigates the Big-Five factor structure in two large samples representative of the German adult population. In both samples, the Big-Five factor structure emerged only in a blurry way at lower educational levels, whereas for highly educated persons it emerged with textbook-like clarity. Because well-educated persons are most comparable to the usual subjects of psychological research, it might be asked if the Big Five are limited to such persons. Our data contradict this conclusion. There are strong individual differences in acquiescence response tendencies among less highly educated persons. After controlling for this bias the Big-Five model holds at all educational levels.

  13. The Blue Book. Accounting, Recordkeeping, and Reporting by Postsecondary Educational Institutions for Federally Funded Student Financial Aid Programs. [1999 Edition. (United States)

    Department of Education, Washington, DC.

    This guide is intended to provide guidance to college and university business office personnel who handle recordkeeping, accounting, and other fiscal reporting functions for federal Title IV financial aid programs, as authorized by the Higher Education Act of 1965, as amended. This edition emphasizes the benefits and challenges of electronic…

  14. The Blue Book: Accounting, Recordkeeping, and Reporting by Postsecondary Educational Institutions for Federally Funded Student Financial Aid Programs. (United States)

    Department of Education, Washington, DC.

    This book provides guidance to school business office personnel who handle fiscal recordkeeping, accounting, and reporting functions for federal Title IV student financial aid programs authorized by the Higher Education Act of 1965, as amended. It provides a technical resource for Title IV management responsibilities that are shared among various…

  15. Early Central Regulation, Slow Financial Participation: Relations between Primary Education and the Dutch State from ± 1750-1920 (United States)

    van Gijlswijk, Dick


    The declining economy of the Dutch Republic obliged city governments in the eighteenth century to take measures to undo the effects of the social deterioration. They therefore founded schools for the poor and sometimes gave full financial support. After 1795, the Batavian Revolution proclaimed that primary education was a state affair, but after a…

  16. Representing Swiss Vocational Education and Training Teachers' Domain-Specific Conceptions of Financial Literacy Using Concept Maps (United States)

    Leumann, Seraina


    Issues related to financial matters are an integral component of the curricula in vocational education and training in Switzerland. However, the differences between students' competences are caused not only by the curricula but by multiple factors. One key factor is teachers' characteristics that support successful learning processes. Teachers'…

  17. 76 FR 55953 - American Capital Partners Limited, Inc., American Educators Financial Corp. (n/k/a Asia Ventures... (United States)


    ... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] American Capital Partners Limited, Inc., American Educators Financial Corp. (n/k/a Asia Ventures Corp.), Austral Pacific Energy Ltd., Bidville, Inc... lack of current and accurate information concerning the securities of American Capital Partners Limited...

  18. From "Financial Considerations" to "Poverty": Towards a Reconceptualisation of the Role of Finances in Higher Education Student Drop Out (United States)

    Breier, Mignonne


    While the role of financial considerations in higher education student dropout is being recognized increasingly, the dominant international literature fails to reflect the extent of socio-economic deprivation among students in countries where many people live below the poverty datum line. This article draws on a study of student retention and…

  19. Fact Sheet: LGBT Discrimination in Higher Education Financial Aid--Assistance Should Be Allocated on Need, Not Sexual Orientation (United States)

    Burns, Crosby


    Through the Free Application for Federal Student Aid, or FAFSA, the federal government provides more financial aid for higher education than any other institution. But because of discriminatory laws the FAFSA treats families headed by two mothers or two fathers differently than families headed by a mother and a father. This treatment distributes…

  20. The Role of the Government in Providing Access to Higher Education: The Case of Government-Sponsored Financial Aid in the US (United States)

    Landry, Lynette; Neubauer, Deane


    The overall financial structure of US higher education has changed dramatically over the past 30 years, resulting in a significant reduction of public funding. One result of this shift has been the steadily increasing costs of tuition as an increasing portion of the financial structure of higher education is shifted to students. Increased costs to…


    Directory of Open Access Journals (Sweden)

    Mykhailo Holubka


    Full Text Available In the article, the transformation processes of the development of financial and economic as well as cooperative education in the Western territories of Ukraine in the second half of the XIX – the beginning of the XX century, its state, peculiarities, scientific results of Galician figures, educational associations, historical and economic aspects were covered. The methodology and the general essence of the financial and economic as well as cooperative education, the high importance of its quality were found out. The significance of financial and economic as well as cooperative education for realizing the opportunities for the self-understanding of a human as an economically active member of the nation was identified. The purpose of this study is to find out the personal and the peculiarities of the financial and economic as well as cooperative education in the Western territories of Ukraine in the second half of the XIX – the beginning of the XX century with the transformation on the processes that take place under the modern conditions of the development of the national education system. Methodology. The features and the transformation processes which defined environment conditions for financial and economic as well as cooperative education in the second half of the XIX – the beginning of the XX century on the territory of Western Ukraine were identified. Special attention is paid at the identification of financial and economic as well as cooperative education with business culture that includes the need to consider the public interest. A very important role of activation of the cooperative movement in the Ukraine Western territories that were not independent was admitted. The institutional framework of the development of the financial and economic as well as cooperative education of the population that has proved a key role in these processes and various institutions of self-education partnerships was analyzed. The broad functionality

  2. Share| The Need for Person-Centered Education

    Directory of Open Access Journals (Sweden)

    Alberto Zucconi


    crucial blind spots, diminish our coping capacities and resilience, thereby generating humongous self-inflicted damages. To meet these challenges, effective and scientifically validated person- and people-centered educational approaches are necessary. They will play a crucial role in enabling us to stop wasting our best resources—human and natural capital—and will facilitate us to achieve effective and sustainable governance.

  3. New Way to Break Down Barriers to Higher Education: Build "Financial Capabilities" (United States)

    Savage, Sarah; Graves, Erin M.


    Community colleges have traditionally responded to the financial needs of their students by removing or minimizing financial barriers to attending. Efforts to make community college tuition free fit with this philosophy, but where efforts to minimize or remove financial barriers to attending community college fall short is in empowering students…

  4. Disturbingly Weak: The Current State of Financial Management Education in Library and Information Science Curricula (United States)

    Burger, Robert H.; Kaufman, Paula T.; Atkinson, Amy L.


    Financial management skills are necessary for responsible library management. In light of the profession's current emphasis on financial literacy, the authors posed four questions: (1) to what extent are library and information science schools providing courses in financial management for their graduates; (2) what is the quality and quantity of…

  5. Ultimate Educational Aims, Overridingness, and Personal Well-Being (United States)

    Haji, Ishtiyaque; Cuypers, Stefaan E.


    Discussion regarding education's aims, especially its ultimate aims, is a key topic in the philosophy of education. These aims or values play a pivotal role in regulating and structuring moral and other types of normative education. We outline two plausible strategies to identify and justify education's ultimate aims. The first associates these…

  6. Clinical educators' self-reported personal and professional ...

    African Journals Online (AJOL)

    The target group was inter-professional clinical educators that are involved in student education on the clinical platform. Although the course participants were professionals and specialists in their own fields, the majority of clinical educators have very little or no knowledge of adult education. The Supervision Course aims to ...

  7. Perceptions of Personalized Medicine in an Academic Health System: Educational Findings. (United States)

    Vorderstrasse, Allison; Katsanis, Sara Huston; Minear, Mollie A; Yang, Nancy; Rakhra-Burris, Tejinder; Reeves, Jason W; Cook-Deegan, Robert; Ginsburg, Geoffrey S; Ann Simmons, Leigh

    Prior reports demonstrate that personalized medicine implementation in clinical care is lacking. Given the program focus at Duke University on personalized medicine, we assessed health care providers' perspectives on their preparation and educational needs to effectively integrate personalized medicine tools and applications into their clinical practices. Data from 78 health care providers who participated in a larger study of personalized and precision medicine at Duke University were analyzed using Qualtrics (descriptive statistics). Individuals age 18 years and older were recruited for the larger study through broad email contacts across the university and health system. All participants completed an online 35-question survey that was developed, pilot-tested, and administered by a team of interdisciplinary researchers and clinicians at the Center for Applied Genomics and Precision Medicine. Overall, providers reported being ill-equipped to implement personalized medicine in clinical practice. Many respondents identified educational resources as critical for strengthening personalized medicine implementation in both research and clinical practice. Responses did not differ significantly between specialists and primary providers or by years since completion of the medical degree. Survey findings support prior calls for provider and patient education in personalized medicine. Respondents identified focus areas in training, education, and research for improving personalized medicine uptake. Given respondents' emphasis on educational needs, now may be an ideal time to address these needs in clinical training and public education programs.

  8. Theoretical component of national financial, economic and cooperative education in Western Ukraine (second half of XIX-XX centuries and its role in economic management of the region

    Directory of Open Access Journals (Sweden)

    Holubka M. M.


    Full Text Available In the article, the theoretical components of the development of national financial and economic as well as cooperative education in the Western territories of Ukraine in the second half of the XIX-the beginning of the XX century and its role in economic management in the region were covered. The methodology and the general essence of the financial and economic as well as cooperative education, and its significant influence on the community were analyzed. Importance and significance of financial and economic as well as cooperative education for realizing the opportunities for the self-understanding of a human as an economically active member of the nation was identified. The development of the financial and economic as well as cooperative education of the population that has proved a key role in these processes and various institutions of self-education partnerships was analyzed. The broad functionality of such associations and the transformation of the main goal of its activities from educational proper to educational, financial and economic was revealed. The basic achievements of associations and associates in terms of the support for the establishment of various organizations for the business purposes, cooperatives, educational institutions, professional courses, publishing, organization of specialized events, financial institutions and their importance to financial, economic and cooperative education were described.

  9. Personality Matters: Relevance and Assessment of Personality Characteristics. OECD Education Working Papers, No. 157 (United States)

    Kankaraš, Miloš


    Personality characteristics shape human behaviour and influence a wide range of life events and outcomes. They do so not only through their direct effects on life outcomes, but also through their indirect effects on other important personal factors and intermediate life events, such as the development of cognitive capacities, the attainment of…

  10. Developing Personalised Education for Personal Mobile Technologies with the Pluralisation Agenda (United States)

    Kucirkova, Natalia; Littleton, Karen


    This paper makes a distinctive contribution to the current debates concerning the role of personal mobile technologies (PMTs) in public education. It does this through drawing attention to the imperative to integrate digitally-mediated personalised education with teacher-mediated pluralised education. Premised on the notion that children's…

  11. The Influence of Moral Education on the Personal Worldview of Students (United States)

    van der Kooij, Jacomijn C.; de Ruyter, Doret J.; Miedema, Siebren


    This article researches whether approaches to moral education aim to influence the development of the personal worldview of students. An example of a Dutch moral education programme is presented and the findings are used to analyse various approaches to moral education. Our analysis demonstrates that every approach aims to influence the personal…

  12. Personal Study Planning in Doctoral Education in Industrial Engineering (United States)

    Lahenius, K.; Martinsuo, M.


    The duration of doctoral studies has increased in Europe. Personal study planning has been considered as one possible solution to help students in achieving shorter study times. This study investigates how doctoral students experience and use personal study plans in one university department of industrial engineering. The research material…

  13. Special Article Personal Wearable Technologies in Education: Value or Villain? (United States)

    Borthwick, Arlene C.; Anderson, Cindy L.; Finsness, Elizabeth S.; Foulger, Teresa S.


    Wearable personal learning technologies can gather data from the person wearing the device or from the surrounding environment and enable that data to be transferred to another device or shared via the cloud. Wearable technologies can serve as a valuable asset in the classroom enhancing differentiation of instruction and student engagement. They…

  14. Education or Personality Traits and Intelligence as Determinants of Political Knowledge?

    DEFF Research Database (Denmark)

    Hebbelstrup Rye Rasmussen, Stig


    Recently the causal influence of education on political knowledge has been questioned. Rather, pre-adult predispositions such as personality traits and intelligence are proposed as the real causal agents. This article investigates in two studies whether education retains its explanatory power...... on political knowledge when personality traits and intelligence are taken into account. One study draws on a draftee sample and has excellent measures of both personality traits and intelligence; the other study draws on a representative sample and has excellent measures of personality traits. Openness...

  15. Towards personalized feedback in educational computer games for children

    NARCIS (Netherlands)

    Vasilyeva, E.; Uskov, V.


    Educational games as well as other computer games become an important part of children’s life and modern education. Feedback that is provided during a game to a child plays a significant role in computer games in general. In the context of educational computer games being developed for children game

  16. Financial Well-being in Active Ageing. (United States)

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica


    In developed countries, economic and financial well-being is playing a crucial positive role in ageing and inclusion processes. Due to the complexity and pervasiveness of financial economy in the real life, more and more social as well as individual well-being are perceived as influenced by financial conditions. On the other hand, the demographic circumstances drive scholars as well as politicians to reflect on ageing dynamics. Bridging the two domains, the following research focuses on the role of the financial well-being as a mediating role of general well-being in elder people. The assumption is that elderly people have specific financial needs that sometimes are not covered by financial providers' offers. The motivation is mainly on the role of information asymmetries between elder consumers and financial institutions. On the dynamics of these asymmetries, the research will specifically investigate the role of financial literacy, as the ability of comprehension of elder people of their needs and of financial information. The applicative implication of this research work consists in finding the determinants of financial well-being for elders and the definition of their specific financial competencies, in order to 1) identify educational and regulatory guidelines for policy makers in charge of creating financial market transparency conditions, and to 2) support design of organizational mechanisms as well as financial product/services for this specific target of client. The following chapter presents preliminary explorative results of a survey delivered on 200 elder individuals (65-80 yrs.) leaving in Milan. Findings show that active elders consider the ability of managing personal wealth as one of the core determinant of well-being, although the economic and financial literacy is limited. Furthermore, the chapter proposes a research agenda for scholars interested in exploring the relationship between financial well-being and ageing.

  17. Economic Growth, Institutional Development and Personal Freedom: The Educational Needs of China. (United States)

    Clarke, Thomas


    To sustain growth requires changes in the Chinese economy and society. The Asian financial crisis shows that independent institutions and individual freedoms are necessary to stimulate entrepreneurship and innovation. Conservative social values often promoted by the education and training system could hinder economic growth. (SK)

  18. Testing Results and Prospects of Educational Module “Individualization and Personalization of Educational Work with Students of Different Types”

    Directory of Open Access Journals (Sweden)

    Zaslavskaya O.Y.


    Full Text Available The article presents the testing results of educational module “Individualization and Personalization of Educational Work with Students of Different Types” in pedagogical master program, Teacher education (secondary general education teacher training direction. The module based on the professional direction, involving the connection of the objectives, content, forms, tools, and educational results with the main educational results according to Federal State Educational standard, as well as the content of different professional activities of future teachers of secondary education, are contained in the professional standards of the teacher. We characterized the structure and content of module subjects, the kinds of master educational activity organization, assessment tools which were used for the module educational outcomes (competencies, job functions and teacher activity in master students. The article describes the changes and updates that have been made in teaching and guidance documents on the results of the module testing and presents the perspectives of module in master students training.

  19. Integrating asthma education and smoking cessation for parents: financial return on investment. (United States)

    McQuaid, Elizabeth L; Garro, Aris; Seifer, Ronald; Hammond, S Katharine; Borrelli, Belinda


    Caregivers who smoke and have children with asthma are an important group for intervention. Home-based interventions successfully reduce asthma morbidity, yet are costly. This study evaluated the financial return on investment (ROI) of the Parents of Asthmatics Quit Smoking (PAQS) program, a combined asthma education and smoking cessation intervention. Participants included caregivers (n = 224) that smoked, had a child with asthma, and were enrolled in a Medicaid managed care plan. Participants received nurse-delivered asthma education and smoking counseling in three home visits. Program implementation costs were estimated, and healthcare expenses were obtained from insurance claims data 12 months pre- and 12 months post intervention. ROI was calculated for all participants, children <6 years, children 6-18 years, and children with moderate/severe persistent asthma. Total program implementation cost was $34,481. After intervention, there was increased mean annual refills of beta-agonist (0.51 pre, 1.64 post; P < 0.001), and controller medications (0.65 pre, 2.44 post; P < 0.001). Reductions were found in mean annual emergency department visits (0.33 pre, 0.14 post; P < 0.001), hospitalizations (0.23 pre, 0.08 post; P < 0.001), and outpatient visits (2.33 pre, 1.45 post, P < 0.001). The program had negative ROI (-21.8%) for the entire sample. The ROI was positive (+106.9) for children <6 years, negative (-150.3) for children 6-18, and negligible for moderate/severe persistent asthma (+6.9%). PAQS was associated with increased medication use and decreased healthcare utilization. While the overall ROI for PAQS was negative, PAQS had a positive ROI for caregivers of young children with asthma. Copyright © 2012 Wiley Periodicals, Inc.

  20. Educational Modelling Language and Learning Design: new challenges for instructional re-usability and personalized learning

    NARCIS (Netherlands)

    Hummel, Hans; Manderveld, Jocelyn; Tattersall, Colin; Koper, Rob


    Published: Hummel, H. G. K., Manderveld, J. M., Tattersall, C.,& Koper, E. J. R. (2004). Educational Modelling Language: new challenges for instructional re-usability and personalized learning. International Journal of Learning Technology, 1, 1, 110-111.

  1. The development of a personalized patient education tool for decision making for postmenopausal women with osteoporosis

    NARCIS (Netherlands)

    Hiligsmann, M.; Ronda, G.; Weijden, T.T. van der; Boonen, A.


    A personalized patient education tool for decision making (PET) for postmenopausal women with osteoporosis was developed by means of a systematic development approach. A prototype was constructed and refined by involving various professionals and patients. Professionals and patients expressed a

  2. Educating for Personal and Social Responsibility: Levers for Building Collective Institutional Commitment (United States)

    O'Neill, Nancy


    This article describes a set of lessons learned from a national project on education for personal and social responsibility that can be adopted across a variety of specific institutional contexts and missions.

  3. SmartTrips Ithaca : encouraging sustainable transportation options through a personalized educational campaign : final report. (United States)


    SmartTrips Ithaca is a neighborhood-based personalized educational campaign that encouraged residents : of downtown Ithaca to try out sustainable modes of transportation such as walking, biking, transit, and : carsharing through incentives and commun...

  4. Exploring the Abyss. The Financial Crisis of 2008 ff. as a Central Topic of Problem-Centered Social Science Education

    Directory of Open Access Journals (Sweden)

    Thorsten Hippe


    Full Text Available The financial crisis of 2008 ff. and financial crises in general should be a central topic of social science education because these crises are a recurrent and therefore structural feature of modern capitalism which has severe consequences for citizens’ quality of life. Hence, the citizenry should know how to prevent such developments which endanger its well-being in a massive way. Therefore, learners should understand the relationship between the quality of people’s everyday lives and those economic institutions and political decisions which have led to the current mess. They should be enabled to critically evaluate the current misregulation of the financial sector and the economy in order to identify possible policy measures to prevent or at least to mitigate future crises. By educating (young citizens in this way, the (future general public can – as a necessary counterweight to the lobbyism of the finance industry – exert more prudent political pressure which gives politicians a greater incentive to regulate the financial sector and the economy in a manner which is beneficial for the vast majority of the people instead of for a small elite. Two core concepts of the social sciences can be used to make the roots of the seemingly complex topic more understandable for learners: liability and inequality.

  5. Higher Education's Role in Educating for Personal and Social Responsibility: A Review of Existing Literature (United States)

    Reason, Robert D.; Ryder, Andrew J.; Kee, Chad


    This chapter examines the existing literature in two major areas. A review of literature related to higher education's mission to educate for personal and social responsibility provides a rationale to refocus our collective attention on this important area of student learning and development. The chapter also reviews the current understanding…

  6. Getting Personal: How Early Childhood Teacher Education Troubles Students' and Teacher Educators' Identities Regarding Subjectivity and Feminism (United States)

    Taguchi, Hillevi Lenz


    This article constitutes an attempt to investigate how student teachers and teacher educators in the context of Swedish early childhood teacher education are invented and reinvented by practices that are inspired by feminist and post-structural thinking. I give examples of practice that explicitly make use of different aspects of the personal,…

  7. Understanding Personal Learning Environment Perspectives of Thai International Tourism and Hospitality Higher Education Students (United States)

    Tanyong, Siriwan; Sharafuddin, Mohamed Ali


    This paper is part of a periodic research conducted in developing a personal learning environment for Thailand's higher education students with English as medium of instruction. The objective of the first phase in this research was to understand the personal learning environment perspectives of Thai International tourism and hospitality higher…

  8. Personal Values, Social Capital, and Higher Education Student Career Decidedness: A New "Protean"-Informed Model (United States)

    Fearon, Colm; Nachmias, Stefanos; McLaughlin, Heather; Jackson, Stephen


    This study investigates the role of personal values as motivational antecedents for understanding higher education (HE) student career decidedness among university business school (UBS) students. We propose a new "protean"-informed HE student career decidedness model for theorizing how both personal values and social capital mediators…

  9. Educational Reform Related to Personal and Social Responsibility: The Case of Core Commitments (United States)

    Glass, Chris R.; O'Neill, Nancy


    Fostering students' personal and social responsibility is central to the historical purposes of liberal education and a key emphasis of many campus mission statements. Despite widespread agreement among faculty and administrators about fostering students' personal and social responsibility, national surveys suggest that many do not believe that…

  10. Job-Related Stress, Personality, Social Support and Burnout among College of Education Lecturers (United States)

    Salami, Samuel O.


    The main purpose of this study was to investigate the relationship of job stress, personality and social support to burnout among college of education lecturers. The second purpose was to examine the extent to which personality and social support can buffer the negative effects of stress on burnout. Design/methodology/approach--Survey methodology…

  11. Personal Spaces in Public Repositories as a Facilitator for Open Educational Resource Usage (United States)

    Cohen, Anat; Reisman, Sorel; Sperling, Barbra Bied


    Learning object repositories are a shared, open and public space; however, the possibility and ability of personal expression in an open, global, public space is crucial. The aim of this study is to explore personal spaces in a big learning object repository as a facilitator for adoption of Open Educational Resources (OER) into teaching practices…

  12. Invest in Financial Literacy (United States)

    Bush, Sarah B.; McGatha, Maggie B.; Bay-Williams, Jennifer M.


    The current state of the economy elevates the need to build awareness of financial markets and personal finance among the nation's young people through implementing a financial literacy curriculum in schools. A limited amount of time spent on financial literacy can have a positive effect on students' budgeting skills. This knowledge will only add…

  13. A structural model of age, grey matter volumes, education, and personality traits. (United States)

    Kitamura, Soichiro; Yasuno, Fumihiko; Yamamoto, Akihide; Kazui, Hiroaki; Kudo, Takashi; Matsuoka, Kiwamu; Kiuchi, Kuniaki; Kosaka, Jun; Nagatsuka, Kazuyuki; Iida, Hidehiro; Kishimoto, Toshifumi


    When the relationship between ageing and changes in personality traits is considered, it is important to know how they are influenced by biological and environmental factors. The present study examined the relationships between various factors associated with the effect of ageing on personality traits, including structural changes of the brain and environmental factors such as education. We recruited 41 healthy subjects. We administered the NEO Five-Factor Inventory to assess personality factors. Magnetic resonance imaging was performed, and regional grey matter (GM) volumes were obtained. We identified associations in the correlation analysis of age, cerebral GM volume, years of education, and the personality trait of openness. Path analysis was used to estimate the relationships among these factors. The path analysis model of age, GM volume, years of education, and the personality trait of openness revealed that age has an indirect negative association with openness through GM volume and years of education. Ageing was related to a decrease in GM volume, which was in turn related to a decrease in the openness score. Older subjects generally had fewer years of education, which was related to a lower openness score. Maintaining openness against the effects of ageing is desirable, and our results imply that interventions against age-related cerebral atrophy and the promotion of opportunities for higher education may contribute to the development and stability of a healthy personality during the adult life course. © 2015 The Authors. Psychogeriatrics © 2015 Japanese Psychogeriatric Society.

  14. Special education as a trap: Detours and mazes in ensuring the right to inclusive education for persons with disabilities

    Directory of Open Access Journals (Sweden)

    Lucas Correa Montoya


    Full Text Available This article presents a critical analysis of the judicial precedent of the Colombian Constitutional Court when protecting the Right to Education of persons with disabilities. After contrasting the Human Rights standards enshrined in the Convention on the Rights of Persons with Disabilities with the main decisions of the Court, we conclude that it has promoted special and segregated education and therefore it has fostered discrimination on the basis of disability and the violation of other constitutional rights. The article closes identifying the main challenges that judges may face in the future for effectively protect the Right to Inclusive education.

  15. Brand Personality in Higher Education: Anthropomorphized University Marketing Communications (United States)

    Rutter, Richard; Lettice, Fiona; Nadeau, John


    While the university prospectus is recognized as an important marketing communication tool for higher education recruitment strategies, it has become overlooked as many researchers have focused on other communication channels, such as social media and websites. Although focus has been placed upon Higher Education Institution (HEI) brand…

  16. Developing Educational Computer Animation Based on Human Personality Types (United States)

    Musa, Sajid; Ziatdinov, Rushan; Sozcu, Omer Faruk; Griffiths, Carol


    Computer animation in the past decade has become one of the most noticeable features of technology-based learning environments. By its definition, it refers to simulated motion pictures showing movement of drawn objects, and is often defined as the art in movement. Its educational application known as educational computer animation is considered…

  17. Physical Education Teachers' Career-Long Professional Learning: Getting Personal (United States)

    Makopoulou, Kyriaki; Armour, Kathleen M.


    The aim of this study was to build upon previous PE-CPD (Physical Education Continuing Professional Development) research by exploring Greek case study physical education (PE) teachers' engagement in professional learning. It is argued that in the contemporary European context, where the teaching profession is viewed as central to achieving wider…

  18. Assessing College Student Subjective and Objective Knowledge in an Online Financial Education Program (United States)

    Bowles, Charity


    Purpose: This purpose of this correlational study using Joo's (2008) financial wellness framework was to determine the impact of an online financial literacy workshop on student subjective knowledge, dependent on indicators of stress, behavior, and objective knowledge, when controlling for demographic differences at a large public university.…

  19. Financial Autonomy and Challenges to Being a Regionally Responsive Higher Education Institution (United States)

    Kohtamaki, Vuokko; Lyytinen, Anu


    This paper discusses some current problems and challenges of the Finnish AMKs (polytechnic institutions), and whether financial autonomy could contribute to finding solutions for some of these problems. It provides an overview of the current status of financial autonomy of polytechnics in 6 European countries, and finally attempts to find links…

  20. 76 FR 46149 - Financial Assistance: Wildlife Restoration, Sport Fish Restoration, Hunter Education and Safety (United States)


    ... these regulations on June 10, 2010, to address changes in law, regulation, policy, technology, and... Service 50 CFR Part 80 Financial Assistance: Wildlife Restoration, Sport Fish Restoration, Hunter... 80 [Docket No. FWS-R9-WSR-2009-0088; 91400-5110-POLI-7B; 91400-9410-POLI- 7B] RIN 1018-AW65 Financial...

  1. Educational Attainment and Financial Satisfaction: The Changing Economic Value of a College Degree (United States)

    Menard, Lauren Ann


    Dwindling American financial satisfaction and growing college degree attainment were revealed in national social survey data spanning more than four decades (N = 57,061). Against these backdrops, associations between being financially satisfied and having a college degree grew stronger in each decade, with the strongest association between…

  2. Music Teachers' Personal Concepts: Qualitative Classroom Research in Music Education

    Directory of Open Access Journals (Sweden)

    Anne Niessen


    Full Text Available How do music teachers reflect on planning and performing school lessons? How do their experiences influence their teaching arrangements? In a qualitative research project the author uses the "Individualkonzept" (personal concept to explore what music teachers think while planning music lessons. In addition, the relationship between personal concepts and biographical experiences is investigated. In accordance with grounded theory methodology, interviews with teachers were analyzed first at the level of the single interviews; followed by developing a grounded theory about the music teachers' personal concepts and their embedding in biography. In doing so an integrative pattern emerged unfolding in time as a learning process. Results of the research suggest finding forms of in-service-training for teachers that will allow them to foster a self-conscious acquaintance with their own biographical background. URN: urn:nbn:de:0114-fqs080178

  3. Formation of biotechnology firms in the Greater Seattle region: an empirical investigation of entrepreneurial, financial, and educational perspectives


    P Haug


    The biotechnology sector is a revolutionary industrial sector and promises significant innovations in medicine, veterinary care, plant agriculture, food processing, and environmental industries. Within the United States, biotechnology firms have generally agglomerated in existing regional high-technology complexes. In this paper empirical evidence is presented on the formation, evolution, financial sources, and educational relationships of thirty-three commercial biotechnology firms in the Gr...

  4. ”Something that most of us do anyway”: Personal reflection and medical education

    DEFF Research Database (Denmark)

    Andersen, Nina Bjerre


    The use of reflection as a learning approach is increasing in medical education, often based on the assumption that students will not reflect without being encouraged to. Personal reflection is used to describe students’ ability to critically reflect on own learning and functioning. The assumption...... here is also that medical students seem not to reflect spontaneously. We explored students’ level of personal reflection and validated a questionnaire that attempt to measure personal reflection. We translated and adapted the Groningen Reflection Ability Scale (GRAS) to use in a Danish context...... ‘reflective’ outcomes of educational interventions....

  5. Household financial behavior

    NARCIS (Netherlands)

    Brounen, Dirk; Koedijk, Kees; Pownall, Rachel


    Greater personal responsibility toward financial decision-making is being advocated on a global basis. Individuals and households are encouraged to take a more active approach to personal finance. In this paper, we examine behavioral factors, which lead households toward savings and financial

  6. Financial Audit. Federal Family Education Loan Program's Financial Statements for Fiscal Years 1993 and 1992. Report to the Congress and the Secretary of Education. (United States)

    General Accounting Office, Washington, DC.

    This report presents findings of an audit of the Principal Statements of the Department of Education's (ED) Federal Family Education Loan Program (FFELP) and its internal controls and compliance with laws and regulations for the fiscal years ending September 30, 1993, and September 30, 1992. The audit investigated whether the Principal Statements…

  7. Multifaceted intervention including education, rounding checklist implementation, cost feedback, and financial incentives reduces inpatient laboratory costs. (United States)

    Yarbrough, Peter M; Kukhareva, Polina V; Horton, Devin; Edholm, Karli; Kawamoto, Kensaku


    Inappropriate laboratory testing is a contributor to waste in healthcare. To evaluate the impact of a multifaceted laboratory reduction intervention on laboratory costs. A retrospective, controlled, interrupted time series (ITS) study. University of Utah Health Care, a 500-bed academic medical center in Salt Lake City, Utah. All patients 18 years or older admitted to the hospital to a service other than obstetrics, rehabilitation, or psychiatry. Multifaceted quality-improvement initiative in a hospitalist service including education, process change, cost feedback, and financial incentive. Primary outcomes of lab cost per day and per visit. Secondary outcomes of number of basic metabolic panel (BMP), comprehensive metabolic panel (CMP), complete blood count (CBC), and prothrombin time/international normalized ratio tests per day; length of stay (LOS); and 30-day readmissions. A total of 6310 hospitalist patient visits (intervention group) were compared to 25,586 nonhospitalist visits (control group). Among the intervention group, the unadjusted mean cost per day was reduced from $138 before the intervention to $123 after the intervention (P analysis showed significant reductions in cost per day, cost per visit, and the number of BMP, CMP, and CBC tests per day (P = 0.034, 0.02, <0.001, 0.004, and <0.001). LOS was unchanged and 30-day readmissions decreased in the intervention group. A multifaceted approach to laboratory reduction demonstrated a significant reduction in laboratory cost per day and per visit, as well as common tests per day at a major academic medical center. Journal of Hospital Medicine 2016;11:348-354. © 2016 Society of Hospital Medicine. © 2016 Society of Hospital Medicine.

  8. Vocational Education Teachers' Personal Network at School as a Resource for Innovative Work Behaviour (United States)

    Messmann, Gerhard; Mulder, Regina H.; Palonen, Tuire


    Purpose: This paper aims to investigate the role of characteristics of vocational education teachers' personal network at the workplace for determining the resources that enable them to cope with innovation-related demands at work. Design/methodology/approach: A survey study with 48 vocational education teachers is carried out. Social network…

  9. Hybridising Sport Education and Teaching for Personal and Social Responsibility to Include Students with Disabilities (United States)

    Menendez, Jose Ignacio; Fernandez-Rio, Javier


    The present study aimed to explore the impact of the combination of two pedagogical models, Sport Education and Teaching for Personal and Social Responsibility, for learners with disabilities experiencing a contactless kickboxing learning unit. Twelve secondary education students agreed to participate. Five had disabilities (intellectual and…

  10. Banning Student "Containers": Education Is Digging in Its Heels against Students' Personal Tools (United States)

    November, Alan


    It is ironic that in too many schools, educators label students' personal tools or digital containers, such as blogs, iPod, Instant Messenger, YouTube, and video games as hindrances to teaching. They have decided that these effective learning tools are inappropriate for school and learning. If educators could get past their fear of the unknown and…

  11. Personal Learning Environments in Higher Education Language Courses: An Informal and Learner-Centred Approach (United States)

    Laakkonen, Ilona


    The chapter discusses the potential of personal learning environments (PLE) based on Web 2.0 applications for language courses in higher education (HE). This novel approach to the use of information and communication technologies (ICT) in education involves learners in the design of learning environments, tools and processes. The chapter begins…

  12. Social Workers’ Interest in Building Individuals’ Financial Capabilities

    Directory of Open Access Journals (Sweden)

    Gina A. N. Chowa


    Full Text Available Social workers have many opportunities to integrate a focus on personal finance into their practice with mostly lower-income and vulnerable client populations. However, little is known about social workers’ interest in personal finance. Results of a survey of social workers (N = 56 interested in integrating personal finance content into their practice are reported in this paper. Ways in which social workers might further develop knowledge and skills in personal finance are discussed. Professional perspectives that social workers may lend to inform financial education and counseling and the emerging field of financial therapy are also explored. Social workers can offer an understanding of the environmental risks that affect the financial health of low-income individuals and families and resources that can help build financial capability.

  13. Using Online Compound Interest Tools to Improve Financial Literacy (United States)

    Hubbard, Edward; Matthews, Percival; Samek, Anya


    The widespread use of personal computing presents the opportunity to design educational materials that can be delivered online, potentially addressing low financial literacy. The authors developed and evaluated three different educational tools focusing on interest compounding. In the authors' laboratory experiment, individuals were randomized to…

  14. Features of formation of personal physical education of students

    Directory of Open Access Journals (Sweden)

    V.A. Sutula


    Full Text Available The peculiarities of formation of personal physical training of students from various universities. The experiment was attended by 748 students. It is shown that the most significant factor in personal physical training of students is to conduct a healthy physically active lifestyle and relationship to the body as a value. It is confirmed that for students of physical culture the main motivational factors for physical culture and sports activities is the desire to improve physical fitness, achieve sporting success. For students of non-core specialties - to optimize the weight and improve the shape. It is proved that the main obstacle to employment physical and sports activities of the students is the lack of free time. It is shown that only 21.2% of students believe their non-core specialties: motor sufficient for normal life and preservation of health.

  15. Theoretical pattern of supporting continuity in physical education of students' personality.

    Directory of Open Access Journals (Sweden)

    Vovk V.M.


    Full Text Available Methodological approaches and principles on which theoretical pattern of supporting of continuity in physical education of senior pupil and students' personality are considered. It is proved that effective process of continuity in physical education is impossible without construction of patterns. It is ascertained that continuity is a condition and mechanism of realization for others principles in teaching process that represent itself as major factors in realization of continuity in physical education.

  16. It's the Latest, It's the Greatest, It's [Financial Education] at the Library (United States)

    O'Neill, Barbara


    In recent years, libraries have become increasingly involved in financial education, and Extension educators are collaborating with them to deliver programs for their staff and the general public. Benefits to Extension educators include increased visibility, access to new audiences, having program logistics and marketing provided by others, access…

  17. The National Security Education Trust Fund Financial Statements for FY 1994

    National Research Council Canada - National Science Library

    Gimble, Thomas


    .... We evaluated the management control structure established for the Trust Fund, and we assessed compliance with applicable laws and regulations that could have a material effect on the financial statements...



    Branko Matic; Hrvoje Serdarusic; Maja Vretenar Cobovic


    The authors examine the impact of changed economic circumstances to manage personal finances. Analyze financial involvement, level of education and the management of personal finances population in Croatia. The paper used the method of analysis, synthesis, induction, deduction, and a survey poll.

  19. Financialization and financial profit

    Directory of Open Access Journals (Sweden)

    Arturo Guillén


    Full Text Available This article starts from the critical review of the concept of financial capital. I consider it is necessary not to confuse this category with of financialization, which has acquired a certificate of naturalization from the rise of neoliberalism. Although financial monopoly-financial capital is the hegemonic segment of the bourgeoisie in the major capitalist countries, their dominance does not imply, a fortiori, financialization of economic activity, since it depends of the conditions of the process reproduction of capital. The emergence of joint stock companies modified the formation of the average rate of profit. The "promoter profit" becomes one of the main forms of income of monopoly-financial capital. It is postulated that financial profit is a kind of "extraordinary surplus-value" which is appropriated by monopoly-financial capital by means of the monopolistic control it exerts on the issue and circulation of fictitious capital.

  20. Uncovering Barriers to Financial Capability: Underrepresented Students' Access to Financial Resources (United States)

    Eichelberger, Brenda; Mattioli, Heather; Foxhoven, Rachel


    Financial aid is designed to increase access to postsecondary education at all socioeconomic levels; however, college students are not always knowledgeable about personal finances or capable of making sound decisions regarding complex college and program choices, debt options, and long-term spending. This article reviews previous research on the…

  1. Professional and Personal Development in Contemporary Gerontology Doctoral Education (United States)

    Ewen, Heidi H.; Rowles, Graham D.; Watkins, John F.


    This article reports on the Gerontology Doctoral Student Assessment Model (GDSAM), a comprehensive web-based system premised on developing an evaluation mechanism attuned to the special requirements of advanced graduate education at the doctoral level. The system focuses on longitudinal tracking of selected dimensions of intellectual,…

  2. Education For The Next Economy – a personal view

    NARCIS (Netherlands)

    R.E. Ainsbury


    The challenges faced by business and society in the rapidly-changing 21st century require skills and capabilities that our education system, essentially fit-for-purpose in the 19th Century, struggles to provide. In this brief paper, presented at the Rotterdam TEDX-Rotterdam Clean Tech Delta forum on

  3. Applications of Artificial Intelligence in Education--A Personal View. (United States)

    Richer, Mark H.


    Discusses: how artificial intelligence (AI) can advance education; if the future of software lies in AI; the roots of intelligent computer-assisted instruction; protocol analysis; reactive environments; LOGO programming language; student modeling and coaching; and knowledge-based instructional programs. Numerous examples of AI programs are cited.…

  4. personal characteristics and compliance to health education among

    African Journals Online (AJOL)

    Global Journal


    Oct 8, 2016 ... Health education is one of the major aims of antenatal care. Health ... region to region and from state to state with its resultant perculiar complications. .... researchers because it is a referral and training centre for all cadres of ...

  5. Wittrock's Influence on Mathematics Education: Some Personal Comments (United States)

    Romberg, Thomas A.


    Merlin C. Wittrock was a friend and colleague who influenced me and many other contemporary mathematics educators on how students learn. In this article I summarize my interactions with Merl beginning in 1965, and how over the following half-century he influenced my thinking on student learning for understanding and, in turn, on how to design…

  6. Foundation Degree Learning: An Educational Journey of Personal Development (United States)

    Herrera, Helena; Brown, David; Portlock, Jane


    The foundation degree is an intermediate-level qualification designed to widen participation in higher education while providing work-related skills and knowledge. It has a vocational focus and a pedagogic approach that integrates academic and work-based learning. Research into opportunities and the process of learning within foundation degrees is…

  7. Financing physical therapy doctoral education: methods used by entry-level students and the financial impact after graduation. (United States)

    Thompson, Kris; Coon, Jill; Handford, Leandrea


    With the move to the doctor of physical therapy (DPT) degree and increasing tuition costs, there is concern about financing entry-level education. The purposes of this study were to identify how students finance their DPT education and to describe the financial impact after graduation. A written survey was used to collect data on financing DPT education, student debt, and the financial impact on graduates. There were 92 subjects who had graduated from one program. Frequencies as well as nonparametric statistics using cross-tabulations and chi-squared statistics were calculated. The response rate was 55%. Of the respondents, 86% had student loans, 66% worked during school, 57% received some family assistance, and 21% had some scholarship support. The amount of monthly loan repayment was not statistically related to the ability to save for a house, the ability to obtain a loan for a house or car, or the decision to have children. Saving for the future (p = 0.016) and lifestyle choices (p = 0.035) were related to the amount of monthly loan repayment. Major sources of funding were student loans, employment income, and/or family assistance. Respondent's ability to save for the future and lifestyle choices were negatively impacted when loan debt increased. Physical therapist education programs should consider offering debt planning and counseling.

  8. Total Joint Arthroplasty Patients' Education on Financial Issues and Its Connection to Reported Out-of-Pocket Costs-A European Study. (United States)

    Copanitsanou, Panagiota; Valkeapää, Kirsi; Cabrera, Esther; Katajisto, Jouko; Leino-Kilpi, Helena; Sigurdardottir, Arun K; Unosson, Mitra; Zabalegui, Adelaida; Lemonidou, Chryssoula


    Total joint arthroplasty is accompanied by significant costs. In nursing, patient education on financial issues is considered important. Our purpose was to examine the possible association between the arthroplasty patients' financial knowledge and their out-of-pocket costs. Descriptive correlational study in five European countries. Patient data were collected preoperatively and at 6 months postoperatively, with structured, self-administered instruments, regarding their expected and received financial knowledge and out-of-pocket costs. There were 1,288 patients preoperatively, and 352 at 6 months. Patients' financial knowledge expectations were higher than knowledge received. Patients with high financial knowledge expectations and lack of fulfillment of these expectations had lowest costs. There is need to establish programs for improving the financial knowledge of patients. Patients with fulfilled expectations reported higher costs and may have followed and reported their costs in a more precise way. In the future, this association needs multimethod research. © 2016 Wiley Periodicals, Inc.

  9. Health, physical education and physical development of students in historically and personally developing paradigm

    Directory of Open Access Journals (Sweden)

    S.I. Belykh


    Full Text Available It is considered the general health situation of the population of Europe. It is shown that in the last decade in the European Union there is a steady trend towards better health. It is noted that in the countries of the former Soviet Union, including Ukraine, the reverse process. Revealed the possibility of improved system of physical education students in improving indicators of physical development, functional status and health of students and the general population. It is noted that the intense physical activity of young people is only 3 - 4 minutes per day, and moderate and total - just over 1 hour. It is noted that the enhancement of the educational component of university discipline Physical Education is defined professional and personal characteristics of teachers of physical education departments, their willingness to self-improvement and development. The prospects for the use of personal-oriented campaign in the reform of university academic discipline Physical Education.

  10. The philosophical and educational potential ecopsychology as means of forming ecological culture of personality

    Directory of Open Access Journals (Sweden)

    O. V. Kisyel


    Full Text Available The current ecological crisis is largely caused by the dominance of anthropocentric environmental awareness. To overcome it and move humanity to a model of sustainable social and environmental development required the establishment of environmental consciousness ecocentric type, which is the aim of environmental education, namely, the formation of personality type ecocentric environmental awareness. The purpose of the article is to study the philosophical and educational potential environmental psychology as a means of transformation of personal values and attitudes toward nature. Analysis of the concepts of subjective attitude to nature, subjective perception of the natural world, environmental knowledge, empaurment-method pedagogy. Education for Sustainable Development aims to develop such knowledge, skills and values that will enable people to make individual and collective decisions of local and global nature to improve the quality of life without endangering future generations. The basic methodological principle of environmental psyhopedahohiky is in strict accordance with the environmental education teaching psychological process of environmental awareness. Interaction with nature is a great psychological and pedagogical potential that should be used in the environmental education that will allow him to become a factor in the overall development and personality development. So effectively targeted formation ekospozhyvchoyi culture of all populations requires training of qualified specialists in the field of eco-educational activities and environmental education and its philosophical and educational foundation.

  11. Equality of What? The Capability Approach and the Right to Education for Persons with Disabilities

    Directory of Open Access Journals (Sweden)

    Andrea Broderick


    Full Text Available The right to education is indispensable in unlocking other substantive human rights and in ensuring full and equal participation of persons with disabilities in mainstream society. The cornerstone of Article 24 of the United Nations Convention on the Rights of Persons with Disabilities seeks to ensure access to inclusive education for persons with disabilities on an equal basis with others as well as the full development of human potential. Since the adoption of the Convention, there has been much theorising about inclusive education; however, there has been little focus on the meaning of equality in the context of the right to education for persons with disabilities. The capability approach, developed by Amartya Sen and further refined by Martha Nussbaum, focuses on ensuring equality and developing human potential. It is often viewed as a tool that can be used to overcome the limitations of traditional equality assessments in the educational sphere, which only measure resources and outcomes. This article explores whether the capability approach can offer new insights into the vision of educational equality contained in the Convention and how that vision can be implemented at the national level.

  12. Analysis of the costs of veterinary education and factors associated with financial stress among veterinary students in Australia. (United States)

    Gregory, K P; Matthew, S M; Baguley, J A


    To investigate the course-related and other costs involved in obtaining a veterinary education in Australia and how these costs are met. The study also aimed to identify sociodemographic and course-related factors associated with increased financial stress. Students from seven Australian veterinary schools were surveyed using an online questionnaire. A total of 443 students participated (response rate 17%). Responses to survey items relating to finances, employment and course-related costs were compared with sociodemographic factors and prior research in the area of student financial stress. Respondents reported spending a median of A$300 per week on living costs and a median of A$2,000 per year on course-related expenses. Over half of respondents received the majority of their income from their parents or Youth Allowance (56%). A similar proportion (55%) reported that they needed to work to meet basic living expenses. Circumstances and sociodemographic factors linked to perceived financial stress included requiring additional finances to meet unexpected costs during the course; sourcing additional finances from external loans; an expected tuition debt at graduation over A$40,000; being 22 years or older; working more than 12 hours per week; living costs above A$300 per week; and being female. The costs involved in obtaining a veterinary education in Australia are high and over half of respondents are reliant on parental or Government income support. Respondents with certain sociodemographic profiles are more prone to financial stress. These findings may have implications for the psychological health, diversity and career plans of veterinary students in Australia. © 2017 Australian Veterinary Association.

  13. A Case Study on the Perceptions of Educators on the Penetration of Personal Learning Environments in Typical Education


    Armakolas, Stefanos; Mikroyannidis, Alexander; Panagiotakopoulos, Christos; Panousopoulou, Theofania


    Personal Learning Environments (PLEs) help students manage and take control of their own learning. As such, the PLE promotes self-regulation in learning and allows learners to aggregate, manipulate and share digital artefacts within a flexible and versatile online space. This paper presents a case study in Greece, concerning an investigation about the penetration of PLEs in typical education. In particular, this case study aims at investigating the perceptions of educators about PLEs and thei...

  14. Death education for oncology professionals: a personal construct theory perspective. (United States)

    Rainey, L C


    Using observations from a psychosocial training program for oncology professionals, this article illustrates how one can model, while training the student, the very methods he or she can adopt in working with patients and families. One starts with an elicitation of the student's (patient's) operative personal constructs and then devises strategies to elaborate, integrate, loosen, tighten, preempt, or take other action, as needed. The very means used to promote movement within the student's own death-related constructs can be adopted for use by him or her in the clinical situation. As the helper's pathways of action and thought with regard to this domain become more comprehensive and as the helper becomes more skilled at moving freely along them, he or she becomes more perceptive and resourceful to those in need.

  15. Challenges and opportunities of using recommender systems for personalized health education. (United States)

    Fernandez-Luque, Luis; Karlsen, Randi; Vognild, Lars K


    The use of computers in health education started more than a decade ago, mainly for tailoring health educational resources. Nowadays, many of the computer-tailoring health education systems are using the Internet for delivering different types of health education. Traditionally, these systems are designed for a specific health problem, with a predefined library of educational resources. These systems do not take advantage of the increasing amount of educational resources available on the Internet. One of the reasons is that the high availability of content is making it more difficult to find the relevant one. The problem of information overload has been addressed for many years in the field of recommender systems. This paper is focused on the challenges and opportunities of merging recommender systems with personalized health education. It also discusses the usage of social networks and semantic technologies within this approach.


    Directory of Open Access Journals (Sweden)



    Full Text Available In the contemporary system of education, one of the main indicators that traces the reform of European higher education is based on teaching centred on the student. For carrying out the instructive-educational activities there are three factors that have a determining role: the university students, the teaching staff and the higher education institution. The article emphasizes the teacher’s personality. The author considers the problem of the quality of studies based on a new type of organizing university education and proposes new ways of obtaining progress in education presented in the items of the PDCA cycle. Emphasis is laid on the formative-informative aspect of the agents involved in education – teacher-student and the role played by them in the university environment.

  17. Links between economic and financial theory in graduate health administration education. (United States)

    Pink, G H; Coyte, P C


    The curricula of graduate health administration programs have, historically, not articulated the theoretical links between health economics and health finance, although an understanding of these links could enhance comprehension of both disciplines. We provide a pedagogical approach that can be used to clarify these interconnections. It compares the standard neoclassical microeconomic concept of the hospital with the financial concept of the hospital, for the purpose of relating the optimal output decision in microeconomic theory to the optimal investment decision in financial theory. This approach can be taught in an advanced course in either economics or finance.


    Directory of Open Access Journals (Sweden)

    DANILA Victoria


    Full Text Available Applying the model of implementation process of modern educational technologies in higher education involved in technical implementation of educational technology in the educational activity based on critical thinking development strategies, future engineers’ personality development of students. Through educational technologies correlation occurs between educators and educated, which places them in a position promoter of educational paradigms. At present, the efficiency of the educational process depends largely on the use of modern technologies. To determine the student's level of development through the integration of modern educational technologies is necessary to reveal aspects of operating in the thinking of students, which is their way of analysis of reality, to compare, to generalize certain concepts or processes. Methodological peculiarities of modern educational technology based on application of interactive engagement between the two actors in the process of training / preparation and which involved the use of interactive teaching methods adapted to technical higher education. These groups have benefited greatly from the introduction in teaching and learning of modern educational strategies. The intervention was the catalyst that accelerated skills training. Qualitative aspects allow us to generalize the results of experiments performed. A student lays views representing a structure, a generalization, reasoning that arises from their previous experience.

  19. Persons' various experiences of learning processes in patient education for osteoarthritis, a qualitative phenomenographic approach. (United States)

    Larsson, Ingalill; Sundén, Anne; Ekvall Hansson, Eva


    Patient education (PE) is a core treatment of osteoarthritis (OA) with the aim to increase persons' knowledge, self-efficacy, and empowerment. To describe person's various experiences of learning processes in PE for OA. Phenomenography. Semi-structured interviews were performed with the same persons, pre- (11) and post- (9) education. Various experiences on learning processes were found and were described in an outcome space. Achieving knowledge describes self-regulated learning and strongly relates to Control, which describes a high order cognitive learning skill, and minor to Confirm, which describes a cognitive learning skill based on recognition and application. Receiving knowledge describes the expectancy of learning regulated from the educator and strongly relates to Comply, which describes a low-order cognitive learning skill, and minor to Confirm. Different experiences of motivation and learning impact on persons' learning processes which, in turn, influence the persons' capability to accomplish self-efficacy and empowerment. The outcome space may serve as a basis for discussions between healthcare educators involved in PE to better understand what learning implies and to develop PE further.

  20. Clinical, classroom, or personal education: attitudes about health literacy. (United States)

    Logan, Robert A


    This study explores how diverse attitudes about health literacy are assessed by medical librarians and other health care professionals. An online survey of thirty-six items was conducted using Q methodology in two phases in spring 2005 and winter 2006. Respondents (n = 51) were nonrandomly self-selected from a convenience sample of members of the Medical Library Association and a group of environmental health consultants to the National Library of Medicine. Three factors were identified. Factor 1 is optimistic and supportive of health literacy's transformative sociocultural and professional potential, if clinical settings become a launching point for health literacy activities. Factor 2 is less optimistic about health literacy's potential to improve clinical or patient outcomes and prefers to focus health literacy initiatives on classroom education settings. Factor 3 supports improving the nation's health literacy but tends to support health literacy initiatives when people privately interact with health information materials. Each factor's attitudes about the appropriate educational venue to initiate health literacy activities are different and somewhat mutually exclusive. This suggests that health literacy is seen through different perceptual frameworks that represent a possible source of professional disagreement.


    Directory of Open Access Journals (Sweden)

    Oleksandr M. Korniiets


    Full Text Available The article deals with the application of social services WEB 2.0 for personal learning environment creation that is used for professional orientation work of social educator. The feedback is must be in personal learning environment for the effective professional orientation work. This feedback can be organized through statistical monitoring. The typical solution for organizing personal learning environment with built-in statistical surveys and statistical data processing is considered in the article. The possibilities of the statistical data collection and processing services on the example of Google Analytics are investigated.

  2. Targeting the robo-advice customer: the development of a psychographic segmentation model for financial advice robots

    NARCIS (Netherlands)

    van Thiel, D.; van Raaij, W.F.


    The purpose of this study is to develop the world’s first psychographic market segmentation model that supports personalization, customer education, customer activation, and customer engagement strategies with financial advice robots. As traditional segmentation models in consumer finance primarily

  3. Educational inequalities in health expectancy during the financial crisis in Denmark

    DEFF Research Database (Denmark)

    Brønnum-Hansen, Henrik; Baadsgaard, Mikkel; Eriksen, Mette Lindholm


    in expected lifetime in self-rated good health increased by 1.3 years for men and 1.2 years for women. CONCLUSIONS: The social inequality in DFLE for men and expected lifetime in self-rated good health for both genders increased slightly during the short period. The financial crisis did not seem to indicate...

  4. The Effects of Financial Aid Policies on Student Persistence in Taiwanese Higher Education (United States)

    Lin, Ching-Hui


    The purpose of this study was to examine the effects of financial aid policies on student persistence between the first and second year at a private four-year postsecondary institution in Taiwan. A two-phase sequential research design was employed with priority was given to the quantitative data--structural equation modeling (SEM). While the…

  5. Examining the Effects of Financial Aid on Student Persistence in Taiwanese Higher Education (United States)

    Lin, Ching-Hui


    The purpose of this study was to examine the effects of financial aid policies on student persistence between the first and second year at a private four-year postsecondary institution in Taiwan. A two-phase sequential research design was employed with priority was given to the quantitative data-structural equation modeling (SEM). While the…

  6. Understanding the Long-Term Benefits of a Latino Financial Literacy Education Program (United States)

    Meraz, Antonio Alba; Petersen, Cindy M.; Marczak, Mary S.; Brown, Arthur; Rajasekar, Neeraj


    The long-term impact of a Latino financial literacy program was evaluated with a sample of relatively recent immigrant populations in southern Minnesota. Telephone and face-to-face interviews were conducted with participants 6 months post program completion. Results indicate that improvements in knowledge and skills were retained and that these…

  7. Determining a Relationship between Higher Education Financial Position and Tuition Discount Rates (United States)

    Browning, Julianna


    Institutions have increased the practice of tuition discounting, that is, the strategic use of price discrimination. During the past 30 years, both the average percent discount given to students and the proportion of students receiving tuition breaks have increased. As this practice has increased, there are financial determinants and implications…

  8. More "Private" than Private Institutions: Public Institutions of Higher Education and Financial Management (United States)

    Adams, Olin L., III; Robichaux, Rebecca R.; Guarino, A. J.


    This research compares the status of managerial accounting practices in public four-year colleges and universities and in private four-year colleges and universities. The investigators surveyed a national sample of chief financial officers (CFOs) at two points in time, 1998-99 and 2003-04. In 1998-99 CFOs representing private institutions reported…

  9. Student Loans, Student Financial Aid and Post-Secondary Education in Canada. (United States)

    Finnie, Ross


    Briefly describes Canada's student loan system, including the typical costs of a year of postsecondary schooling and the levels of financial support available. Reports the results of an empirical analysis showing that borrowing remains at reasonable levels and repayment difficulties are still relatively uncommon. Suggests various reforms,…

  10. Financial Literacy and Financial Planning in France

    Directory of Open Access Journals (Sweden)

    Luc Arrondel


    Full Text Available We study financial literacy in France using the PATER survey and following the Lusardi and Mitchell (2011c approach. We find that some subpopulations are less financially literate than others: women, young and old people as well as less-educated people are more likely to face difficulties when dealing with fundamental financial concepts such as risk diversification and inflation and interest compounding. We also find some differences in financial knowledge depending on the political opinion of the respondents. Finally we show that these differences in financial knowledge are correlated with differences in the propensity to plan: people who score higher on the financial literacy questions are more likely to be engaged in the preparation of a clearly defined financial plan.

  11. Balancing Responsibilities – Financial Literacy


    Gail Pearson; Philip N Stoop; Michelle Kelly-Louw


    In Australia there is an obligation to promote the informed participation of financial consumers while in South Africa there is an obligation to educate consumers. The Australian obligation is concerned with the financial system as a whole while the South African obligation has generally been focused on general financial education as a tool to promote financial inclusion. There is no obligation for consumers to attain a minimum standard of literacy in credit or finance generally. Financial li...

  12. Personal view of educating two-phase flow and human resource development as a nuclear engineer

    International Nuclear Information System (INIS)

    Hotta, Akitoshi


    As an engineer who has devoted himself in the nuclear industry for almost three decades, the author gave a personal view on educating two-phase flow and developing human resources. An expected role of universities in on-going discussions of collaboration among industry-government-academia is introduced. Reformation of two-phase flow education is discussed from two extreme viewpoints, the basic structure of physics and the practical system analysis. (author)

  13. An ethnographic investigation of healthcare providers' approaches to facilitating person-centredness in group-based diabetes education

    DEFF Research Database (Denmark)

    Stenov, Vibeke; Hempler, Nana Folmann; Reventlow, Susanne


    AIM: To investigate approaches among healthcare providers (HCPs) that support or hinder person-centredness in group-based diabetes education programmes targeting persons with type 2 diabetes. METHODS: Ethnographic fieldwork in a municipal and a hospital setting in Denmark. The two programmes....... Applying person-centredness in practice requires continuous training and supervision, but HCPs often have minimum support for developing person-centred communication skills. Techniques based on motivational communication, psychosocial methods and facilitating group processes are effective person...

  14. Toward Financial Stability:An Experimental Analysis Based on Financial Ethical Education%中国金融稳定的实现:金融伦理道德的实验分析

    Institute of Scientific and Technical Information of China (English)

    郭建伟; 孟奕岑


    The financial crisis breaking out in 2007,along with the financial scandals of US and UK in recent years,has revealed the significance of ethics in the financial industry.Improving the ethical standards of financial practitioners can not only ensure the sound development of the financial industry but also lay a foundation for the long-term financial stability.Through a 2-year experimental observation on financial ethics and moral education,it has been found that the undergraduate students in finance and other disciplines lack moral sense of the financial ethics.Meanwhile,the students'cognitive ability of financial ethics has been greatly improved through the experiment.This has suggested that the intentional education on the financial ethics may exert a positive impact on improving the ethical and moral standards of the financial practitioners in the future.However,there is not a good situation of ethical education in the contemporary economic or financial major in China.In order to realize the long-term stability and enhance the international competitiveness of China's financial industry,our long-term quality education reform should lay emphasis on improving the training program of undergraduate students in finance and other disciplines in China,as well as adding the business or financial ethics to their compulsory major list.%2007年爆发的金融危机,以及最近几年的美英金融大丑闻,均揭示出金融业伦理道德问题的严重性。提升金融从业者的伦理道德水准,是确保金融业正确发展与长久金融稳定的根基。通过连续2年的金融伦理道德教育的实验观察发现,目前我国金融学等学科本科生的金融伦理道德常识非常匮乏。同时,通过实验,学生金融伦理道德的认知能力显著提高。由此表明,有意的金融伦理道德教育可以在提升未来金融从业者的伦理道德水准上发挥积极作用。鉴于我国高等院校金融学等学科企业伦理

  15. Personal and Professional Characteristics of Music Educators: One Size Does Not Fit All. (United States)

    Doherty, Mary Lynn; van Mersbergen, Miriam


    The prevalence of voice disorders among various educator groups is well known, and voice disorders among music educators are higher than the general classroom educators. Music educators vary with respect to behavioral and personality factors, personal characteristics, type of music taught, job-specific environment, and governmental professional expectations. This study aims to identify risk factors for voice disorders in a heterogeneous population of music educators. An online survey was conducted with 213 respondents. Survey questions addressed demographics, level of education, years of music teaching experience, specialty training, primary teaching assignments and instrument, vocal health behaviors, and diagnoses of voice disorders. Summary statistics and group comparisons are reported. Those whose primary instrument was voice reported a greater frequency of voice disorders. Female and older music educators also had a higher prevalence of voice disorders. Music educators are a heterogeneous group of individuals who require more careful consideration in the prevention and treatment of occupational voice problems. Copyright © 2017 The Voice Foundation. Published by Elsevier Inc. All rights reserved.

  16. Person-centredness in graduate nursing education: practice development in action

    Directory of Open Access Journals (Sweden)

    Karen LeGrow


    Full Text Available Background: Person-centredness is an approach that views each individual as a unique being, and is supported by the values of mutual respect and individual right to self-determination. This approach is currently a prevailing principle in policy, education and practice settings globally. The relevance of person-centredness to postgraduate student learning is immense, as new graduate nurses are expected to assume leadership and advocacy roles in healthcare environments and engage with key stakeholders in the exchange of knowledge to inform practice. The application of person-centred practices by faculty within postgraduate nursing programmes is therefore instrumental in providing students with the necessary supportive environments to acquire the skills for person-centred care. Method: Practice development was used as a foundation for implementing innovative teaching methods for postgraduate nursing students. Nurses enrolled in the advancement of professional nursing practice seminars and practicum, participating in various active learning and critical reflection activities throughout the semester. Implications for practice: Practice development provides an innovative foundation for postgraduate nursing education Educators should consider this unique and person-centred approach as an alternative to the typical pedagogical approach

  17. Presentation of MSc in Higher Education Dissertation School Meeting : What are the key dimensions of the personal tutor role for nurse education today?,


    Leddington, Susan


    Presentation of MSc in Higher Education Dissertation School Meeting : What are the key dimensions of the personal tutor role for nurse education today?, A literature review, Missenden Abbey, June 2009, presentation

  18. A Point-of-Purchase Intervention Featuring In-Person Supermarket Education Affects Healthful Food Purchases (United States)

    Milliron, Brandy-Joe; Woolf, Kathleen; Appelhans, Bradley M.


    Objective: This study tested the efficacy of a multicomponent supermarket point-of-purchase intervention featuring in-person nutrition education on the nutrient composition of food purchases. Design: The design was a randomized trial comparing the intervention with usual care (no treatment). Setting and Participants: A supermarket in a…

  19. Reproductive Health Education and Services Needs of Internally Displaced Persons and Refugees following Disaster (United States)

    Westhoff, Wayne W.; Lopez, Guillermo E.; Zapata, Lauren B.; Wilke Corvin, Jaime A.; Allen, Peter; McDermott, Robert J.


    Background: Following the occurrence of natural or man-made disaster, relief worker priorities include providing water, food, shelter, and immunizations for displaced persons. Like these essential initiatives, reproductive health education and services must also be incorporated into recovery efforts. Purpose: This study examined reproductive…

  20. Career Advancement, Career Enhancement, and Personal Growth of Pepperdine University's Educational Leadership Academy Graduate Program Alumni (United States)

    Nichols, Ruth I.


    The purpose of this phenomenological study was two-fold: (a) to explore and describe the perceived impact of Pepperdine University's Educational Leadership Academy (ELA) on 2003-2006 ELA graduates' career advancement, career enhancement, and personal growth; and (b) to obtain ELA graduates' suggestions for ELA program improvement to better prepare…

  1. The Personalized System of Instruction: Review and Applications to Distance Education

    Directory of Open Access Journals (Sweden)

    Lyle Grant


    Full Text Available The present paper a outlines the basic features of the Personalized System of Instruction (PSI; b provides a brief history of PSI; and c describes the application of PSI to distance education. Some common misconceptions about PSI are also addressed. PSI is presented as a helpful universally applicable set of instructional practices that are well suited to distance teaching and learning.

  2. Applying Web Usage Mining for Personalizing Hyperlinks in Web-Based Adaptive Educational Systems (United States)

    Romero, Cristobal; Ventura, Sebastian; Zafra, Amelia; de Bra, Paul


    Nowadays, the application of Web mining techniques in e-learning and Web-based adaptive educational systems is increasing exponentially. In this paper, we propose an advanced architecture for a personalization system to facilitate Web mining. A specific Web mining tool is developed and a recommender engine is integrated into the AHA! system in…

  3. Applying Web usage mining for personalizing hyperlinks in Web-based adaptive educational systems

    NARCIS (Netherlands)

    Romero, C.; Ventura, S.; Zafra, A.; Bra, de P.M.E.


    Nowadays, the application of Web mining techniques in e-learning and Web-based adaptive educational systems is increasing exponentially. In this paper, we propose an advanced architecture for a personalization system to facilitate Web mining. A specific Web mining tool is developed and a recommender

  4. The influence of personal networks and social support on study attainment of students in university education

    NARCIS (Netherlands)

    Eggens, Lilian; van der Werf, M. P. C.; Bosker, R. J.

    In this paper, the influence of personal networks and social support on study attainment of students in university education is examined. Furthermore, the paper aimed at clarifying the possible mediating role of achievement motivation, time spent on studying and working, procrastination and

  5. Computer Self-Efficacy, Computer Anxiety, Performance and Personal Outcomes of Turkish Physical Education Teachers (United States)

    Aktag, Isil


    The purpose of this study is to determine the computer self-efficacy, performance outcome, personal outcome, and affect and anxiety level of physical education teachers. Influence of teaching experience, computer usage and participation of seminars or in-service programs on computer self-efficacy level were determined. The subjects of this study…

  6. Teaching Personal and Social Responsibility Model-Based Programmes in Physical Education: A Systematic Review (United States)

    Pozo, Pablo; Grao-Cruces, Alberto; Pérez-Ordás, Raquel


    The purpose of this study was to conduct a review of research on the Teaching Personal and Social Responsibility model-based programme within physical education. Papers selected for analysis were found through searches of Web of Science, SportDiscus (EBSCO), SCOPUS, and ERIC (ProQuest) databases. The keywords "responsibility model" and…

  7. Intellectual ability, learning style, personality, achievement motivation and academic success of psychology students in higher education.

    NARCIS (Netherlands)

    Busato, V.V.; Prins, F.J.; Elshout, J.J.; Hamaker, C.


    This study is directed towards an integration of intellectual ability, learning style, personality and achievement motivation as predictors of academic success in higher education. Correlational analyses partly confirmed and partly disconfirmed our expectations in a sample of 409 first-year

  8. Entrepreneurship as Everyday Practice: Towards a Personalized Pedagogy of Enterprise Education (United States)

    Blenker, Per; Frederiksen, Signe Hedeboe; Korsgaard, Steffen; Muller, Sabine; Neergaard, Helle; Thrane, Claus


    Adopting the perspective of "entrepreneurship as an everyday practice" in education, the authors conceptualize opportunities as arising from the everyday practice of individuals. Opportunities are thus seen as emanating from the individual entrepreneur's ability to disclose anomalies and disharmonies in their personal life. The paper illustrates…

  9. Unpacking Personal Identities for Teaching Mathematics within the Context of Prospective Teacher Education (United States)

    Hodges, Thomas E.; Hodge, Lynn Liao


    This article explores the personal identities of two prospective elementary teachers as they progressed from mathematics methods coursework into their capstone student teaching semester. Results indicate that both prospective teachers perceived contrasting obligations of effective mathematics teaching in the teacher education and student teaching…

  10. Personalized links recommendation based on data mining in adaptive educational hypermedia systems

    NARCIS (Netherlands)

    Romero, C.; Ventura, S.; Delgado, J.A.; De Bra, P.M.E.; Duval, E.; Klamma, R.; Wolpers, M.


    In this paper, we describe a personalized recommender system that uses web mining techniques for recommending a student which (next) links to visit within an adaptable educational hypermedia system. We present a specific mining tool and a recommender engine that we have integrated in the AHA! system

  11. Childhood Cognitive Ability, Education, and Personality Traits Predict Attainment in Adult Occupational Prestige over 17 Years (United States)

    Cheng, Helen; Furnham, Adrian


    This study explored a longitudinal data set of nearly 5000 adults examining the effects of childhood cognitive ability (measured at age 11), parental social class (measured at birth), and personality on current occupational prestige (all measured at age 50), taking account the effects of education and the previous occupational levels (both…

  12. Relations between Secondary Art Teachers' Personal Education Theories and Attitudes about Inclusion (United States)

    Manjack, Sharon Kay


    The goal of this study was multifold: to define secondary art teachers. personal practical theories about the purposes of art education; to examine teachers. attitudes toward the inclusion of students with learning disabilities (LD) and those with emotional/behavioral disabilities (EBD) into their classrooms; and to determine the relation between…

  13. Personality traits and gender-specific income expectations in Dutch higher education

    NARCIS (Netherlands)

    Need, Ariana; Jong, Uulkje de


    In this article we examine gender differences in income expectations of students in higher education. We found quite large gender differences. Men and women differ significantly in the income they expect to earn at the top of their career. We examined how much personality traits contribute to

  14. Introducing a Personal Learning Environment in Higher Education. An Analysis of Connectivity (United States)

    Saz, Alexandra; Engel, Anna; Coll, César


    Universities have a key role to play in the progress and development of the Knowledge Society. They should lead the way in the design of teaching strategies that promote knowledge building. Personal learning environments (PLE) represent a groundbreaking new development in educational practices through the incorporation of Information and…

  15. New Data, Old Tensions: Big Data, Personalized Learning, and the Challenges of Progressive Education (United States)

    Dishon, Gideon


    Personalized learning has become the most notable application of big data in primary and secondary schools in the United States. The combination of big data and adaptive technological platforms is heralded as a revolution that could transform education, overcoming the outdated classroom model, and realizing the progressive vision of…

  16. Measurement Matters: Assessing Personal Qualities Other than Cognitive Ability for Educational Purposes (United States)

    Duckworth, Angela L.; Yeager, David Scott


    There has been perennial interest in personal qualities other than cognitive ability that determine success, including self-control, grit, growth mind-set, and many others. Attempts to measure such qualities for the purposes of educational policy and practice, however, are more recent. In this article, we identify serious challenges to doing so.…

  17. Students' Evaluation of Professional Personality Competencies of Physical Education Teachers Working in High Schools (United States)

    Demir, Erdal


    The purpose of the study is to examine the relationship between professional personality competencies of physical education teachers working in high schools and gender, school type, and class variables of students. The study was organised according to the screening model. The study was carried out in a total of 17 schools, 16 state and one…

  18. Evaluation of Professional Personality Competence of Physical Education Teachers Working in Secondary Schools by Students (United States)

    Demir, Erdal


    The aim of this article is to assess how students evaluate the professional personality competence of physical education teachers working in secondary schools, and to investigate differences based on the variables of gender, school type and class. In line with these aims, this study was completed as a screening model cross-sectional study, which…

  19. Developing an Education Intervention for Staff Supporting Persons with an Intellectual Disability and Advanced Dementia (United States)

    Fahey-McCarthy, Elizabeth; McCarron, Mary; Connaire, Kevin; McCallion, Philip


    Generally, staff working in settings that provide care for adults with intellectual disabilities (ID) have not received specific education with respect to extended care for terminal illnesses or late-stage dementia. Equally, staff working in specialist palliative care often are not familiar with the unique issues of supporting persons with…

  20. Financial Coaching's Potential for Enhancing Family Financial Security (United States)

    Collins, J. Michael; Olive, Peggy; O'Rourke, Collin M.


    Financial coaching is an emerging complement to financial education and counseling. As defined in this article, financial coaching is a process whereby participants set goals, commit to taking certain actions by specific dates, and are then held accountable by the coach. In this way, financial coaching is designed to help participants bridge the…

  1. Personal and Professional Characteristics of Music Education Professors: Factors Associated with Expectations and Preferences of Undergraduate Students (United States)

    Robison, Tiger


    The purpose of this study was to examine music education undergraduate students' expectations of and preferences for their music education faculty members' personal and professional backgrounds and compare them to the actual backgrounds of current music teacher educators. The research questions were: Do music education undergraduate students…

  2. Growth in Perceived Control across 25 Years from the Late Teens to Midlife: The Role of Personal and Parents' Education (United States)

    Vargas Lascano, Dayuma I.; Galambos, Nancy L.; Krahn, Harvey J.; Lachman, Margie E.


    This study examined trajectories of perceived control and their association with parents' education and personal educational experience (educational attainment and years of full-time postsecondary education) in 971 Canadian high school seniors tracked 7 times across 25 years. Latent growth models showed that, on average, perceived control…

  3. Financial satisfaction and financial stressors in marital satisfaction. (United States)

    Archuleta, Kristy L; Britt, Sonya L; Tonn, Teresa J; Grable, John E


    Using a sample of 310 married respondents from one U.S. Midwestern state, a test was conducted to examine the association of financial satisfaction and financial stressors in a spouse's decision to stay married to the same person or leave the relationship. The role of demographic and socioeconomic variables, religiosity, psychological constructs, financial satisfaction, and financial stressors as factors influencing marital satisfaction was tested. Financial stressors were measured using a list of financial stressors adapted from the literature. Financial satisfaction was measured with a one-item scale. The Kansas Marital Satisfaction Scale was used as a validation tool to assess whether individuals would marry or not marry again. Religiosity and financial satisfaction were positively associated with marital satisfaction. A negative interaction between financial satisfaction and financial stressors was also noted. Findings suggest that respondents who are financially satisfied tend to be more stable in their marriages.

  4. Personal Efficacy and Factors of Effective Learning Environment in Higher Education: Croatian and American Students

    Directory of Open Access Journals (Sweden)

    Violeta Vidaček - Hainš


    Full Text Available Successful learning in higher education incorporates various factors related to knowledge, skills, habits, and motivation. Additionally, students’ personalities and self-efficacy may contribute to their adjustment, planning of activities, and achieving success. The objective of this paper is to analyze students’ needs for support services, which enhance the effectiveness of their learning environment at higher education institutions. Answers received from a sample of undergraduate freshmen at one American University and one Croatian University were analyzed and compared. The students from both countries agree that there is a need for developing self-reliance and personal responsibility in using support services, as well as for the timely and accurate information on availability of these services. Students’ suggestions and their desire to enhance effectiveness of their learning environment may be used in creating and improving support services in higher education institutions as well as training their staff.

  5. A Learning Model for Enhancing the Student's Control in Educational Process Using Web 2.0 Personal Learning Environments (United States)

    Rahimi, Ebrahim; van den Berg, Jan; Veen, Wim


    In recent educational literature, it has been observed that improving student's control has the potential of increasing his or her feeling of ownership, personal agency and activeness as means to maximize his or her educational achievement. While the main conceived goal for personal learning environments (PLEs) is to increase student's control by…

  6. Administrative and financial responsibilities for sheltered housing for mentally ill and handicapped persons in Germany and its impact on housing supply. (United States)

    Bramesfeld, Anke; Holler, Gerhard


    The integration of mentally ill and handicapped persons in the society requires the availability of various forms of sheltered housing in the community, most important ambulatory (supported) housing facilities. In Germany the administrative and financial responsibility for sheltered housing for mental ill and handicapped persons is usually assigned to two authorities: the welfare authorities at Lander (state) level are responsible for hostels, the welfare authorities on community and district level are responsible for ambulatory housing. However some Lander have distributed these responsibilities differently and other Lander offer subsidy programmes to promote the implementation of ambulatory housing. To evaluate the different modes of distributing the responsibilities for administration and financing of sheltered housing for their impact on the supply with ambulatory and stationary housing in the 16 German Lander. (1) Analysis of the practise of distributing the responsibilities for housing between Lander and community welfare-authorities in the 16 Lander. Analysis of the subsidy programmes in the Lander that aim to promote the implementation of ambulatory housing. (2) Assessment of the capacities in housing for mentally ill and handicapped persons in the Lander. (3) Comparing (1) and (2). Lander that have the responsibilities for ambulatory housing and for hostels organised on the same authority-level, offer generally more housing in ambulatory facilities and less in hostels than Lander that do not. However, three Lander, despite having all responsibilities for housing at one authority level, provide accommodation for mentally ill and handicapped persons predominantly in hostels. There are so far no indications whether it would be more favourable to have a unique authority for housing based on Lander or on community level. Subsidy programmes to promote the implementation of supported housing are successful if they sponsor at least 50% of costs and if they exist

  7. The Impact of Entrepreneurship Education and Project-based Education on Students’ Personal Development and Entrepreneurial Intentions at the Lower Levels of the Educational System

    DEFF Research Database (Denmark)

    Moberg, Kåre

    I present an analysis of a survey in which the effect of entrepreneurship education and project-based education on students at lower secondary level is investigated. The results are based on a random sample of 2000 Danish students. The analysis indicates that entrepreneurship education has...... a positive effect on students’ personal development, and that its effect on entrepreneurial intentions is fully mediated by its effect on students’ self-conception. A finding with important policy implications is that there is a negative interaction effect between entrepreneurship education and project......-based education regarding impact on students’ self-conception. The implication of the results is that we should replace project-based education with entrepreneurship education rather than having them run in parallel....

  8. Financial Knowledge and Best Practice Behavior (United States)

    Robb, Cliff A.; Woodyard, Ann S.


    The current research examines the relationship between personal financial knowledge (both objective and subjective), financial satisfaction, and selected demographic variables in terms of best practice financial behavior. Data are taken from the Financial Industry Regulatory Authority's (FINRA) National Financial Capability Study, a nationally…

  9. Media education as a system of health personalities software in media-information space

    Directory of Open Access Journals (Sweden)

    Ye. M. Velykodna


    Full Text Available The main purpose of the article is to outline the problems of health and human security in the media­information education space. Media education as a system of values formation under conditions of medial ­ information educational environment focused on developing and providing protective functions in their close interdependence. Training is aimed at creating conditions for the development of spiritual subjects of education, promotion of positive changes in their personal development. Protective aimed at improving the social protection of business education in the destructive tendencies in society , to neutralize the impact of negative factors media. The most important part of media education in the context of ensuring the health of the individual is the formation of values education activity as the basis of spiritual health. It is shown that meaningful use sens formative influence of media­information space determines the priority position of media education as a factor in providing mental health of the individual. Formation of mental health is associated with the conscious assimilation of certain belief systems of the world. According media education focuses not on broadcast ready «moral absolutes «, and the simulation of specific situations in which the individual is necessary to self­determination regarding fundamental values and principles of implementing these values in life.


    Directory of Open Access Journals (Sweden)

    Irina V. Abakumova


    Full Text Available This study looks into psychotechnics used in education and contributing to initiating logic among students, their personal growth and characterizes psychological features of “sense-deducting”. Here you will find a review of the sense-making techniques considering as one of the categories of psychotechnics. The described techniques are based on the human psychology, they improve the quality of instruction, create a favorable and unique system of values, take into account the individual characteristics of all types of education, and influence the sense-making process development among children. Sense-making techniques are stated in the author’s classification and extended by practical methods. The study of psychological features of influence of sense-making techniques on the personality of a student lets us see new patterns in personal, subjective and “meta-subjective” results of acquiring of the school program via transformation and development of value/logic consciousness of a child. The work emphasizes that the use of sense-making techniques is effective in the educational and after-school activities of the educational organization. The achieved results make it possible to understand, to substantiate the naturalness and relevance of the sense-technical approach according to personal and academic indicators of students. In the process of competent and correct use of the semantic techniques, we see the possibility of conveying the best, productive and quality pedagogical experience, as well as the perspective of innovative developments in the psychological and pedagogical sciences. For children and adolescents, information, thanks to sense-techniques, starts to be personal in nature, knowledge is objectified, learning activity becomes an individual need.

  11. 75 FR 32877 - Financial Assistance: Wildlife Restoration, Sport Fish Restoration, Hunter Education and Safety (United States)


    ... resources, aquatic-life forms, and sport fishing; and (e) develop responsible attitudes and ethics toward..., Sport Fish Restoration, Hunter Education and Safety AGENCY: Fish and Wildlife Service, Interior. ACTION... governing the Wildlife Restoration, Sport Fish Restoration, and Hunter Education and Safety (Enhanced Hunter...

  12. Implementing the Strategy for financial reform of higher education in Mozambique (EFES)

    NARCIS (Netherlands)

    Fonteyne, Bart; Jongbloed, B.W.A.


    This report describes the results of more than fifteen years of cooperation between the Government of Mozambique, the Government of the Netherlands, the Mozambican higher education institutions and the relevant stakeholders in designing and implementing reforms in the financing of higher education

  13. On Financial Support System for Compulsory Education in China's Western Minority Areas (United States)

    Jinyu, Qi


    China's Western Development is a policy adopted to boost its less developed Western regions, that is, a systematic project and a longterm and arduous task. The development of compulsory education in China's minority areas is the key to it. This paper attempts to use the beneficial experience of developing compulsory education support system of…

  14. How Do Higher Education Institutions Enhance Their Financial Autonomy? Examples from Finnish Polytechnics (United States)

    Kohtamaki, Vuokko


    Numerous studies have addressed how state authorities and public funding bodies control, regulate, steer, supervise or oversee higher education institutions. There are fewer studies on how higher education institutions respond to the actions of the mentioned authorities. States have aimed at increasing the autonomy of higher education…

  15. The role of personal and competent approach onto health-preserving technologies at the conditions of higher educational institution

    Directory of Open Access Journals (Sweden)

    Kamaiev O.I.


    Full Text Available The impact of personal and competent approach onto effectiveness of health-forming and health-preserving technologies in higher educational institution conditions was demonstrated. The substance of personal and competent approaches was disclosed. 54 female students took part in the research, from them - 28 in experimental and 26 in control group. It was ascertained that personal oriented approach provide for change of teacher's role and technology of teaching within educational process. Competent approach enables to reorient the teaching technology from the process to the result of education. Educational process gains the active and creative nature by introduction of mentioned approaches.

  16. Financial history and financial economics


    Turner, John D.


    This essay looks at the bidirectional relationship between financial history and financial economics. It begins by giving a brief history of financial economics by outlining the main topics of interest to financial economists. It then documents and explains the increasing influence of financial economics upon financial history, and warns of the dangers of applying financial economics unthinkingly to the study of financial history. The essay proceeds to highlight the many insights that financi...

  17. Personal Development Planning as a means to strengthen supervisory relationships in doctoral education

    DEFF Research Database (Denmark)

    Kobayashi, Sofie; Grout, Brian William Wilson; Rump, Camilla Østerberg

    of ‘closeness’ building a robust and trustful relationship has been the topic of research in only a few studies. While personal development planning is used extensively in higher education in the UK to strengthen the learning process of students, this study documents another potent use of the tool....... In an introduction course for new PhD students at the University of Copenhagen participants are required to share their personal development plan with their supervisor, and our analysis of reflective notes reveal how this can contribute to a better working relationship....

  18. Educational environment of supplementary schools as a factor of formation of older preschooler`s creative-oriented personality

    Directory of Open Access Journals (Sweden)

    Oleksandr Semenov


    Full Text Available In article the author examines the role of the educational environment in forminga creatively directed personality of the child of the senior preschool age. It was found thateducational environment of out-of-school educational institution has a multicomponentstructure, which consists of interrelated components: creative, gaming, developmental,affective and emotional. Stated that the educational environment of out-of-school educationalinstitutionplays in society especially significant features that give us reason to consider it asan important factor in the formation of the creatively directed personality of the 5th year child.Prospects for further scientific researches are determined in studying the psychological andeducational of creative potential characteristics of personality of the pedagogue in out-ofschooleducational institution.Key words: educational environment of out-of-school educational institutions, thecreatively directed personality of the senior preschooler, components of the educationalenvironment, functions of the educational environment.

  19. United States Special Operations Command's Reporting of Real and Personal Property Assets of the FY 2000 DoD Agency-Wide Financial Statements

    National Research Council Canada - National Science Library

    Granetto, Paul


    This audit was performed to support the requirements of the Chief Financial Officers Act of 1990, as amended by the Federal Financial Management Act of 1994, which requires DoD and other Government...

  20. What are the key dimensions of the personal tutor role for nurse education today? A literature review.


    Leddington, Susan


    Background. The accepted position of the personal tutor role from the background literature includes both pastoral care and academic support. Recent government led initiatives of widening access to higher education, the Dearing report (NCIHE, 1997) and the National Student Survey (HEFCE, 2006) have changed higher education and affected the personal tutor role. The implication of these initiatives for nurse education is unclear. Aim. The aim of this literature review is to explore the dimensio...

  1. Significant Learning and Civic Education: Shifting Frameworks for Teaching in Light of Learning about the Financial Crisis

    Directory of Open Access Journals (Sweden)

    KimMarie McGoldrick


    Full Text Available The recent financial crisis has motivated economic educators to rethink what economics should be taught, acknowledging disconnects between classroom content and real world events. We introduce a learning theory approach that is broader, one that goes beyond such context specific discussions of foundational knowledge and application (i.e., teaching about this specific crisis and provide a framework to address the broader issue of how teaching practices can, by their very nature, minimize such disconnects and provide more effective processes for teaching about current economic conditions. The theory of significant learning (Fink 2003 is presented as a model of how experiences can be used to develop a deep approach to learning, learning that lasts. Experiential learning pedagogies are timeless in that they can be readily modified to promote deeper understanding over a wide range of economic environments. Focusing on one category of significant learning, the human dimension, and one component of the financial crisis, unemployment, examples which modify existing experiential learning practices are described to demonstrate how such pedagogic practices can be readily adapted to teaching and learning about current economic conditions. In short, we demonstrate that incorporating student experiences into pedagogic practice provides a natural alignment of teaching content and real world events, regardless of how those change over time.

  2. Financial Management: Poor Internal Controls Expose Department of Education to Improper Payments

    National Research Council Canada - National Science Library


    On July 24, 2001, we testified before your subcommittee on our ongoing review of the Department of Education's payment processes and how the existing internal control weaknesses we have noted thus far...

  3. Music Education--A Personal Matter? Examining the Current Discourses of Music Education in Sweden (United States)

    Georgii-Hemming, Eva; Westvall, Maria


    The embedding of informal practices in music education in school relates to significant issues concerning students' engagement, participation, inclusion and the role of the teacher. This article addresses these issues by presenting and discussing current music education in compulsory comprehensive schooling in Sweden. It does so by drawing upon…

  4. The interaction of family background and personal education on depressive symptoms in later life. (United States)

    Schaan, Barbara


    This study assesses the interaction between personal education and family background during childhood on depressive symptoms in later life by applying Ross & Mirowsky's resource substitution and structural amplification theory of health and education. OLS regression models are estimated using data from the "Survey of Health, Ageing and Retirement in Europe" (SHARE), which covers information on current social and health status as well as retrospective life histories from 20,716 respondents aged 50 or older from thirteen European countries. Higher education helps to overcome the negative consequences of a poor family background. Since people from poor families are less likely to attain higher educational levels, they lack exactly the resource they need in order to overcome the negative consequences their non-prosperous background has on depressive symptoms. Thus, low family background and low personal education amplify each other. Examining the processes described by theory of resource substitution and structural amplification over different age groups from midlife to old-age suggests that the moderating effect of education remains constant over age among people coming from a poor family background. However, there is some evidence for a decrease with age in the buffering effect of a well-off family background on depressive symptoms among the low educated group. Furthermore, the educational gap in depression diverges with age among individuals originating from a well-off family background. Taken together the results cautiously allude to the conclusion that three processes - cumulative (dis-)advantage, age-as-leveler, and persistent inequalities - might take place. Copyright © 2013 Elsevier Ltd. All rights reserved.

  5. 1. Spirituality of Music as a Factor of (Self Instruction and of (Self Education of Personality

    Directory of Open Access Journals (Sweden)

    Gagim Ion


    Full Text Available The impetus for writing this article was the desire to “get to the bottom”, to “disentangle the essence” of what music education in terms of exploring the depth, the sacred sense of the relationship “man-music”, of the aspiration to examine this issue with the teacher's eyes - for all questions and all answers received contribute to the improvement of so-called education through music. In this article, the author expresses his position that, music education, by its essence, is far from the design made before, but in fact - far from the goal officially proclaimed. The music itself, as one of the most mysterious phenomena of this world. Its knowledge, its understanding, the assimilation and absorption of the cosmic and divine substance at the level of personal experience - this is music education in its highest sense. We consider them universal by nature and extent of aspects and levels of the spiritual, existential life of man in its deep forms. The author examines the experience acquired as a self-instruction (professionally and self-education (personally practice throughout life, in one of the highest areas of the human mind - in music. He had the chance to work especially in the field of music. He had the chance to experience music especially and he was able to devote his “self” to it.

  6. Financial statements and the discharging of financial accountability of ordinary public schools in South Africa

    Directory of Open Access Journals (Sweden)

    Frank Doussy


    Full Text Available The Schools Act, 84 of 1996 (section 42(b, requires that all public schools in South Africa, “as soon as practical, but not later than three months after the end of each financial year, draw up annual financial statements”. These schools must further submit audited financial statements to the Department of Education within six months after the school’s year end (section 43 and according to section 43(6, “at the request of an interested person, the governing body must make the records referred to in section 42, and the audited or examined financial statements referred to in this section, available for inspection”. The compilation, auditing and submission of these statements are therefore legally required and are compulsory for all schools. The study aims firstly to establish whether schools in South Africa comply with the current legislative prescripts and accounting and auditing practices, and secondly to identify possible problem areas in this regard.

  7. The associations between personality traits, education, occupation and the occurrence of eczema in adulthood. (United States)

    Cheng, Helen; Treglown, Luke; Montgomery, Scott; Kornilaki, Ekaterina N; Tsivrikos, Dimitrios; Furnham, Adrian


    There were 5834 participants with complete data on parental social class at birth, childhood cognitive ability tests scores at 11 years, educational qualifications at 33 years, the Big Five-Factor personality traits, occupational levels and eczema (measured at age 50 years). Results showed that eczema in childhood, educational achievement and occupational levels were significantly associated with the occurrence of reported eczema in adulthood. Emotionally Stable people (non-neurotic) were less likely to have eczema, but those with high Agreeableness and Openness more likely to have eczema. Childhood cognitive ability was significantly and positively associated with eczema in adulthood.

  8. Gender aspects of personal and motivational sphere of students to physical education and sport

    Directory of Open Access Journals (Sweden)

    E.A. Bilichenko


    Full Text Available Personal and motivational sphere of young men and women is studied. The study involved 210 students of Kremenchug National University (2 class - by 50 boys and girls, 4 class - by 30 people boys and girls, 25 people - athletes. Have external and internal factors affecting the particular relationship of boys and girls in physical education. Outline ways to increase motivation for physical education classes. Found that the organization of exercise can help to foster interest in these studies, the motivation for a healthy lifestyle. The limiting factors in the formation of motivation for physical activities are gender-specific value orientations of young boys and girls.

  9. An inter-professional approach to personalized medicine education: one institution's experience. (United States)

    Formea, Christine M; Nicholson, Wayne T; Vitek, Carolyn Rohrer


    Personalized medicine offers the promise of better diagnoses, targeted therapies and individualized treatment plans. Pharmacogenomics is an integral component of personalized medicine; it aids in the prediction of an individual's response to medications. Despite growing public acceptance and emerging clinical evidence, this rapidly expanding field of medicine is slow to be adopted and utilized by healthcare providers, although many believe that they should be knowledgeable and able to apply pharmacogenomics in clinical practice. Institutional infrastructure must be built to support pharmacogenomic implementation. Multidisciplinary education for healthcare providers is a critical component for pharmacogenomics to achieve its full potential to optimize patient care. We describe our recent experience at the Mayo Clinic implementing pharmacogenomics education in a large, academic healthcare system facilitated by the Mayo Clinic Center for Individualized Medicine.

  10. Physical education: the impact of personality as a teacher in the communicative process and motivation


    Horodinskiy Sergej Il'ich; Sluhenska Ruslana Vasil'evna


    The problem of low efficiency of communications in the lessons of physical education and sports, which are influenced by the personal qualities of the teacher and his management style. Investigated leadership style and its impact on the effectiveness of communication, the presence of the negative effects of teaching style. Examined differences in styles and identify barriers to more effective communications. Analyzed the behavior of two groups of students (36). It was revealed that the ratio ...

  11. Comparing Person-Centered Communication Education in Long-Term Care Using Onsite and Online Formats. (United States)

    Coleman, Carissa K; Fanning, Kim; Williams, Kristine N


    Educating nursing home (NH) staff to provide person-centered care is complicated by scheduling, costs, and other feasibility issues. The current study compared outcomes for an in-service program focused on person-centered communication provided in onsite and online formats. The Changing Talk program was provided onsite in seven NHs (n = 327 staff). The online program included eight NHs (n = 211 staff). Analysis of variance revealed an interaction between format type and pre-/post-test scores with improved recognition of person-centered communication in the onsite group only. Group program evaluations based on the modified Diffusion of Innovation in Long-Term Care Battery indicated no significant differences between training formats. Staff perception of the program was similar. Although statistically significant gains were noted in posttest scores indicating awareness of person-centered communication for the onsite group, gains were of limited clinical significance. Feasibility and effectiveness are important considerations for in-service education supporting NH culture change. Copyright 2015, SLACK Incorporated.

  12. The goose is (half) cooked: a consideration of the mechanisms and interpersonal context is needed to elucidate the effects of personal financial incentives on health behaviour. (United States)

    Hagger, Martin S; Keatley, David A; Chan, Derwin C K; Chatzisarantis, Nikos L D; Dimmock, James A; Jackson, Ben; Ntoumanis, Nikos


    While we agree that personal financial incentives (PFIs) may have some utility in public health interventions to motivate people in the uptake and persistence of health behaviour, we disagree with some of the sentiments outlined by Lynagh et al. (Int J Behav Med 20:114-120, 2012). Specifically, we feel that the article gives a much stronger impression that PFIs will likely lead to long-term behaviour change once the incentive has been removed than is warranted by current research. This claim has not received strong empirical support nor is it grounded in psychological theory on the role of incentives and motivation. We also feel that the presentation of some of the tenets of self-determination theory by the authors is misleading. Based on self-determination theory, we propose that PFIs, without sufficient consideration of the mechanisms by which external incentives affect motivation and the interpersonal context in which they are presented, are unlikely to lead to persistence in health behaviour once the incentive is removed. We argue that interventions that adopt PFIs as a strategy to promote health-behaviour change should incorporate strategies in the interpersonal context to minimise the undermining effect of the incentives on intrinsic motivation. Interventions should present incentives as informational regarding individuals' competence rather than as purely contingent on behavioural engagement and emphasise self-determined reasons for pursuing the behaviour.

  13. 創新金融教育課程之設計 The Design of Innovative Financial Education Curriculum

    Directory of Open Access Journals (Sweden)

    林正昌 Cheng-Chang Lin


    Full Text Available 本研究旨在說明高中創新金融教育課程規劃設計的過程與結果。分別以內容分析法、調查研究法和產學合作方式,研發該課程之課程模組、評量模組與模擬體驗模組。研究成果包括:一、課程模組:內容涉及「金錢與交易」、「計劃與管理財務」、「風險與獲利」和「金融環境」四個領域,各領域下分為三個單元。課程目標在於培養和提升學生的金融素養。教學活動內容引入具備金融概念的桌上遊戲,以金融場域的探究活動取代傳統教科書,並於每週進行模擬資產配置,發展出探究式的課程模組。二、評量模組:包括「金融素養認知測驗題庫」193題,皆有難度與鑑別度的指標;「金融素養態度量表」共19題,具備良好之信、效度。此外,也包括學習單40份與隨堂測驗題101題。三、模擬體驗模組:乃以「全球資本市場動態演化知識庫」為基礎,透過每週與真實金融市場的模擬投資比較,讓學生能夠了解和推論國際事件與金融市場之間的關係,以及個人風險承受度、投資風格與投資策略的關係。 The purpose of this article was to illustrate the high school innovative financial education curriculum development process and results. Content analysis was adapted to plan and design curriculum module. The survey research was used to construct assessment module. By way of industry cooperation, “Financial Rising Star Netware” was introduced to develop simulated experience module. This curriculum includes three modules: (1 Course module contains four domains: “money and transactions”, “planning and managing finances”, “risk and reward” and “financial landscape”, each domain includes three teaching units. The course objective is to enhance students’ financial literacy. Teaching financial concepts incorporated with table games, in order to explore the

  14. Teachers and Students' Perceptions of a Hybrid Sport Education and Teaching for Personal and Social Responsibility Learning Unit (United States)

    Fernandez-Rio, Javier; Menendez-Santurio, Jose Ignacio


    Purpose: The purpose of this study was to assess students and teachers' perceptions concerning their participation in an educational kickboxing learning unit based on a hybridization of two pedagogical models: Sport Education and Teaching for Personal and Social Responsibility. Method: Seventy-one students and three physical education teachers…

  15. Financial Literacy Assessment of Domestic and Foreign Young Learners and Recommendations for its Enhancement

    Directory of Open Access Journals (Sweden)

    Svetlana S.


    Full Text Available Introduction: the article considers the factors that determine the financial education of young people. Modern young men and women have a low financial literacy, despite the efforts for improving financial competence. This situation may threaten their personal and public financial security. The article proposes a new methodology for the theoretical and practical training of the young generation in making well-balanced and informed financial decisions. Materials and Methods: the domestic and international scientific literature on financial education has highlighted several approaches to the problem. The analysis of methods with comparison of domestic and foreign pedagogic theory and practice was made in the paper. The tests and questionnaires were developed by the authors to assess the financial literacy of students and schoolchildren. Results: insufficient level of financial competence of young people is revealed. The structure of the new curriculum on obtaining financial knowledge by high school students and university students is presented. Recommendations on the use of tests to assess the level of financial competence of young people are proposed. The study results were verified in high schools and at the University. The new methodology demonstrated its effectiveness. Discussions and Conclusions: modern educational programmes should comply with and meet the challenges of a current dynamically evolving society. The modern changing world pays more attention to financial aspects of human activities. The practical importance of the study lies in the use of new intellectual approaches to teaching financial competence in high schools and universities. The proposed recommendations on the organisation of financial education for the young people in Russia contribute to the formation of financial literacy and skills of students and seniour schoolchildren. The results of the research can be useful to specialists in the field of education and the

  16. Students' personal professional theories in competence-based vocational education : the construction of personal knowledge through internalisation and socialisation.

    NARCIS (Netherlands)

    Marieke van der Schaaf; Paul Kirschner; Prof.Dr. Elly de Bruijn; Dr. Harmen Schaap


    This article aims to provide an insight into how students construct their professional knowledge and what the content and nature of personal professional knowledge is through the concept of PPTs (personal professional theories).

  17. Educational nurse-led lifestyle intervention for persons with mental illness. (United States)

    Rönngren, Ylva; Björk, Annette; Audulv, Åsa; Enmarker, Ingela; Kristiansen, Lisbeth; Haage, David


    Although persons with severe mental illness face an increased risk of mortality and of developing negative health outcomes, research has shown that lifestyle interventions can sufficiently support their health. In response, this study examined a nurse-led lifestyle intervention developed in cooperation with members of municipal and county councils to gauge its impact on the quality of life, cognitive performance, walking capacity, and body composition of persons with severe mental illness. Lasting 26 weeks and involving 38 persons with severe mental illness, the intervention prioritised two components: the interpersonal relationships of persons with severe mental illness, staff, and group leaders and group education about physical and mental health. Pre-post intervention measurements of quality of life collected with the Manchester Short Assessment of Quality of Life, cognitive performance with the Frontal Systems Behaviour Scale, walking capacity with a 6-min walk test, and body composition in terms of waist circumference and body mass index were analysed using a nonparametric test Wilcoxon signed-rank test. Results suggest that the intervention afforded significant improvements in the health-related variables of quality of life, cognitive performance, walking capacity, and waist circumference for persons with severe mental illness. However, long-term studies with control groups and that examine parameters related to cardiovascular risk factors are essential to ensure the sustained impact of the intervention. © 2017 Australian College of Mental Health Nurses Inc.

  18. Selected personality traits and achievement motivation in university students of physical culture, education and natural sciences

    Directory of Open Access Journals (Sweden)

    Martin Sigmund


    Full Text Available BACKGROUND: Understanding personality variables and other important psychological traits in the university population appears topical particularly with respect to personality, motivation, health as well as overall academic achievement. A significant role is played by correlations of the monitored variables in relation to selected study specialization. OBJECTIVE: The main objective of the present study is to extend the knowledge on selected personality traits and the level of achievement motivation in a specific group of university students with respect to the diversity of their study specialization. METHODS: The study included a total of 522 students from Palacký University. These were students from the Faculty of Physical Culture (n = 118, Faculty of Education (n = 218 and Faculty of Science (n = 186. In terms of age, the study focused on young adults aged 19 to 26. In the research, psychodiagnostic methods were used to perform diagnostics and to fulfil the overall research plan. All diagnostic methods used are fully standardized and contain domestic normative values. We monitored variables such as personality, achievement motivation and achievement anxiety. Statistical result processing was conducted using the Statgraphics programme v. 9.0. Result processing was made using parametric as well as non-parametric statistical methods (Shapiro-Wilk, Mann-Whitney, Kruskal-Wallis, Spearman’s correlation. RESULTS: University students specialized in physical culture showed the highest values of extraversion and psychoticism, and clearly the lowest values of neuroticism compared to the students of education and natural sciences. The highest values of openness were observed in the students specialized in sports. In terms of the overall achievement motivation related to study specialization, almost identical values were observed. However, the students of physical culture showed significantly lower values of achievement debilitating anxiety

  19. 25 CFR 47.9 - What are the minimum requirements for the local educational financial plan? (United States)


    ... EDUCATION UNIFORM DIRECT FUNDING AND SUPPORT FOR BUREAU-OPERATED SCHOOLS § 47.9 What are the minimum..., including each program funded through the Indian School Equalization Program; (2) A budget showing the costs...) Certification by the chairman of the school board that the plan has been ratified in an action of record by the...

  20. The Socio-Cultural, Financial and Education Problems of International Postgraduate Students in Turkey (United States)

    Titrek, Osman; Erkiliç, Ali; Süre, Emrah; Güvenç, Mehmet; Pek, Nurcan Temür


    The aim of this study is to analyze and investigate the predicaments that are categorized by the investigators according to education and life conditions of postgraduate international students in Sakarya University. Qualitative research method was conducted in this research and standardized and tightly structured interview form was used to address…