| data and financial literacy: The Global Findex Database 2017 Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, 2018-04-19 In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex. |
| data and financial literacy: Understanding the Mathematics of Personal Finance Lawrence N. Dworsky, 2009-09-22 A user-friendly presentation of the essential concepts and tools for calculating real costs and profits in personal finance Understanding the Mathematics of Personal Finance explains how mathematics, a simple calculator, and basic computer spreadsheets can be used to break down and understand even the most complex loan structures. In an easy-to-follow style, the book clearly explains the workings of basic financial calculations, captures the concepts behind loans and interest in a step-by-step manner, and details how these steps can be implemented for practical purposes. Rather than simply providing investment and borrowing strategies, the author successfully equips readers with the skills needed to make accurate and effective decisions in all aspects of personal finance ventures, including mortgages, annuities, life insurance, and credit card debt. The book begins with a primer on mathematics, covering the basics of arithmetic operations and notations, and proceeds to explore the concepts of interest, simple interest, and compound interest. Subsequent chapters illustrate the application of these concepts to common types of personal finance exchanges, including: Loan amortization and savings Mortgages, reverse mortgages, and viatical settlements Prepayment penalties Credit cards The book provides readers with the tools needed to calculate real costs and profits using various financial instruments. Mathematically inclined readers will enjoy the inclusion of mathematical derivations, but these sections are visually distinct from the text and can be skipped without the loss of content or complete understanding of the material. In addition, references to online calculators and instructions for building the calculations involved in a spreadsheet are provided. Furthermore, a related Web site features additional problem sets, the spreadsheet calculators that are referenced and used throughout the book, and links to various other financial calculators. Understanding the Mathematics of Personal Finance is an excellent book for finance courses at the undergraduate level. It is also an essential reference for individuals who are interested in learning how to make effective financial decisions in their everyday lives. |
| data and financial literacy: Math for Financial Literacy Todd Knowlton, Paul Douglas Gray, 2012-05 Math for Financial Literacy prepares your students for the real world. Written specifically for teens, Math for Financial Literacy provides instruction for relevant math concepts that students can easily relate to their daily lives. In Math for Financial Literacy, students learn how to apply basic math concepts to the tasks they will use in the real world, including earning a paycheck, managing a bank account, using credit cards, and creating a budget. Other practical topics are presented to help students become financially capable and responsible. Each chapter is designed to present content in small segments for optimal comprehension. The following features also support students in the 5E instructional model. Reading Prep activities give students an opportunity to apply the Common Core State Standards for English Language Arts. These activities are noted by the College and Career Readiness icon and will help students meet the College and Career Readiness (CCR) anchor standards for reading and writing. For just-in-time practice of relevant skills, Build Your Math Skills features provide a preview of skills needed in the lesson, while Review Your Math Skills features reinforce those skills after the lesson instruction. See It and Check It features set the structure for presenting examples of each concept. See It demonstrates the concept, and Check It gives students a chance to try it for themselves. Skills Lab provided at the beginning of the text helps students become reacquainted with the math skills they will encounter in the book. There are 16 labs ranging from place value/order to bar and circle graphs. The Financial Literacy Simulation: Stages of Life Project provides students with real-life personal and professional scenarios that require the math skills and problem-solving techniques they have learned during the course. This capstone chapter is divided into life stages to support students as they enter into the adult world of working and financial planning. Assessment features at the end of the chapters allow for the review of key terms and concepts, as well as a spiral review of content from previous chapters. Additional features include: Financial $marts features offer information that applies the content to the practical matter of personal finance. Money Matters features equip students with background knowledge about the chapter topic. Apply Your Technology Skills features allow students to use technology to apply the math concepts they learned to real-life situations. Career Discovery features offer students an inside look at the math skill they will need for the career of their choice, based on the 16 Career Clusters(TM). FYI tips provide relevant information about the chapter content and math principles. |
| data and financial literacy: Improving Financial Literacy Analysis of Issues and Policies OECD, 2005-11-10 This book describes the different types of financial education programmes currently available in OECD countries, evaluates their effectiveness, and makes suggestions to improve them. |
| data and financial literacy: The Federal Credit Union Act , 1980 |
| data and financial literacy: Research Anthology on Personal Finance and Improving Financial Literacy Management Association, Information Resources, 2020-12-05 Developing personal financial skills and improving financial literacy are fundamental aspects for managing money and propelling a bright financial future. Considering life events and risks that unexpectantly present themselves, especially in the light of recent global events, there is often an uncertainty associated with financial standings in unsettled times. It is important to have personal finance management to prepare for times of crisis, and personal finance is something to be thought about in everyday life. The incorporation of financial literacy for individuals is essential for a decision-making process that could affect their financial future. Having a keen understanding of beneficial and detrimental financial decisions, a plan for personal finances, and personalized goals are baselines for money management that will create stability and prosperity. In a world that is rapidly digitalized, there are new tools and technologies that have entered the sphere of finance as well that should be integrated into the conversation. The latest methods and models for improving financial literacy along with critical information on budgeting, saving, and managing spending are essential topics in today’s world. The Research Anthology on Personal Finance and Improving Financial Literacy provides readers with the latest research and developments in how to improve, understand, and utilize personal finance methodologies or services and obtain critical financial literacy. The chapters within this essential reference work will cover personal finance technologies, banking, investing, budgeting, saving, and the best practices and techniques for optimal money management. This book is ideally designed for business managers, financial consultants, entrepreneurs, auditors, economists, accountants, academicians, researchers, and students seeking current research on modern advancements and recent findings in personal finance. |
| data and financial literacy: Financial Literacy Education Chris Arthur, 2012-10-13 Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the Consumer and the Citizen this particular literacy is argued to be both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. This book will appeal to those interested in understanding the conditions of our freedom in an increasingly fi nancialized world – critical educators, philosophers and sociologists of education and fi nancial literacy researchers. |
| data and financial literacy: Redefining Financial Literacy Cindy Couyoumjian, 2021-04-06 Redefining and Reclaiming Financial Literacy As a certified financial planner with thirty-five years of industry experience, Cindy Couyoumjian is committed to filling the financial literacy void for many Americans. In her timely and thought-provoking book, Cindy gives a unique macro perspective of what she calls “the hidden forces behind your money,” which are the unseen political and economic forces that may influence your investment decisions. Through meticulous research, Cindy shows how these hidden forces have contributed to a complex retirement system, which includes pensions, social security, and what she believes is the outdated 60/40 investment model. To address this issue, Cindy spent endless hours developing a new multi-asset class investment methodology, known as the REALM model, that may offer broader investment strategies aimed to mitigate risk from the hidden forces that may negatively impact your goals. Redefining Financial Literacy can help you • Understand the complex macro forces that you cannot control, yet could determine your financial future, • Take actionable steps to regain command of your retirement strategy, • Build a retirement with potential durable income strategies, lesser volatility, and risk-adjusted returns. Redefining Financial Literacy and Cindy’s innovative REALM model can open your eyes to investment possibilities while helping you regain confidence in the American dream. Diversification does not guarantee profit nor is it guaranteed to protect assets. There is no assurance that any strategy/model will achieve its objectives. Registered Principal offers securities and advisory services through Independent Financial Group, LLC (IFG), a Registered Investment Adviser. Member FINRA/SIPC. IFG, Cinergy Financial, and Greenleaf Book Group are not affiliated companies. |
| data and financial literacy: Limitless Mind Jo Boaler, 2019-09-03 “Boaler is one of those rare and remarkable educators who not only know the secret of great teaching but also know how to give that gift to others.” — CAROL DWECK, author of Mindset “Jo Boaler is one of the most creative and innovative educators today. Limitless Mind marries cutting-edge brain science with her experience in the classroom, not only proving that each of us has limitless potential but offering strategies for how we can achieve it.” — LAURENE POWELL JOBS “A courageous freethinker with fresh ideas on learning.” — BOOKLIST In this revolutionary book, a professor of education at Stanford University and acclaimed math educator who has spent decades studying the impact of beliefs and bias on education, reveals the six keys to unlocking learning potential, based on the latest scientific findings. From the moment we enter school as children, we are made to feel as if our brains are fixed entities, capable of learning certain things and not others, influenced exclusively by genetics. This notion follows us into adulthood, where we tend to simply accept these established beliefs about our skillsets (i.e. that we don’t have “a math brain” or that we aren’t “the creative type”). These damaging—and as new science has revealed, false—assumptions have influenced all of us at some time, affecting our confidence and willingness to try new things and limiting our choices, and, ultimately, our futures. Stanford University professor, bestselling author, and acclaimed educator Jo Boaler has spent decades studying the impact of beliefs and bias on education. In Limitless Mind, she explodes these myths and reveals the six keys to unlocking our boundless learning potential. Her research proves that those who achieve at the highest levels do not do so because of a genetic inclination toward any one skill but because of the keys that she reveals in the book. Our brains are not “fixed,” but entirely capable of change, growth, adaptability, and rewiring. Want to be fluent in mathematics? Learn a foreign language? Play the guitar? Write a book? The truth is not only that anyone at any age can learn anything, but the act of learning itself fundamentally changes who we are, and as Boaler argues so elegantly in the pages of this book, what we go on to achieve. |
| data and financial literacy: Financial Literacy and Financial Education Beata Świecka, Aleksandra Grzesiuk, Dieter Korczak, Olga Wyszkowska-Kaniewska, 2019-03-18 It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice. |
| data and financial literacy: Smart Parents Bonnie Lathram, Carri Schneider, Tom Vander Ark, 2016-01-15 By parents, for parents. That is what makes Smart Parents: Parenting for Powerful Learning different from most parenting books. Drawing on personal parenting stories and expert advice from more than 60 contributors, this guide will leave you with ideas you can put into action immediately.--from back cover. |
| data and financial literacy: Financial Education and Capability Julie Birkenmaier, Jami Curley, Margaret Sherraden, 2013-02-21 This book introduces the concept of financial capability and assembles the latest evidence from ground-breaking innovations with financially vulnerable families, and links it to education, policy, and practice. It is a key resource for those interested in improving financial education and financial products and services for low-income families. |
| data and financial literacy: Handbook of Research on Decision-Making Techniques in Financial Marketing Dinçer, Hasan, Yüksel, Serhat, 2019-12-27 Consumer needs and demands are constantly changing. Because of this, marketing science and finance have their own concepts and theoretical backgrounds for evaluating consumer-related challenges. However, examining the function of finance with a marketing discipline can help to better understand internal management processes and compete in today’s market. The Handbook of Research on Decision-Making Techniques in Financial Marketing is a collection of innovative research that integrates financial and marketing functions to make better sense of the workplace environment and business-related challenges. Different financial challenges are taken into consideration while many of them are based on marketing theories such as agency theory, product life cycle, and optimal consumer experience. While highlighting topics including behavioral financing, corporate ethics, and Islamic banking, this book is ideally designed for financiers, marketers, financial analysts, marketing strategists, researchers, policymakers, government officials, academicians, students, and industry professionals. |
| data and financial literacy: Less Than Zero Stuart J. Murphy, 2003-08-14 Perry the Penguin needs 9 clams to buy an ice scooter -- but he's not very good at saving. As Perry earns, spends, finds, loses, and borrows clams, a simple line graph demonstrates the concept of negative numbers. |
| data and financial literacy: Financial Literacy for Generation Z Kenneth O. Doyle Ph.D., 2019-09-19 This indispensable resource explains principles of financial planning and financial psychology to help teens and young adults make good financial decisions now and achieve their financial goals. Financial literacy for savvy teens and young adults means meeting them where they are, which is in high school and college. It also means understanding how they differ from their Gen X and elder millennial parents. For example, they tend to be debt-averse, thrifty, and responsible but may err on the side of taking too little risk, such as not investing early enough. This book uses economics and psychology to help Generation Z students make better decisions throughout their lives and especially in their formative years. Financial Literacy for Generation Z addresses decisions students have to make while still in school, after graduation, and later, with the greatest emphasis on the decisions closest at hand to them. It encompasses not just money talk—for example, how much to contribute to your 401(k)—but also decisions that are directly connected to money, such as choosing a major and a career, building a credit record, and managing your first real income. |
| data and financial literacy: Financial Numeracy in Mathematics Education Annie Savard, Alexandre Cavalcante, 2021-08-27 This book presents the important role of mathematics in the teaching of financial education. Through a conceptualization of financial numeracy as a social practice, it focuses on the teaching practices, resources, and needs of secondary mathematics teachers (grades 7-12) to incorporate financial concepts in their classes. The editors and authors bring forth a novel perspective regarding mathematics education in the digital era. By focusing on financial numeracy, a key component of skills required in the digital era, they discuss important issues related to the teaching and learning of mathematics and finance. In contrary to most research in the field of financial education coming from scholars in areas such as business, accounting, management and economics, this book introduces the contribution of researchers from the field of education to the debate. The book appeals to an international audience composed of researchers, stakeholders, policymakers, teachers, and teacher educators. |
| data and financial literacy: Making Millions For Dummies Robert Doyen, Meg Schneider, 2009-01-06 The must-have guide to achieving great wealth Making Millions For Dummies lays out in simple, easy-to-understand steps the best ways to achieve wealth. Through a proven methodology of saving, building a successful business, smart investing, and carefully managing assets, this up-front, reliable guide shows readers how to achieve millionaire or multimillionaire status. It provides the lowdown on making wise financial decisions, with guidance on managing investments and inheritances, minimizing taxes, making money grow, and, most important, how to avoid common and costly financial mistakes. Millionaire wannabes will see how to maintain financial security throughout their life with this easy-to-follow road map to financial independence. For individuals who yearn to make millions but don't want to be restricted to owning or running a business, the book features other options, such as inventing and patenting the next big thing, consulting, selling high-value collectibles, and flipping or owning real estate. |
| data and financial literacy: International Handbook of Financial Literacy Carmela Aprea, Eveline Wuttke, Klaus Breuer, Noi Keng Koh, Peter Davies, Bettina Greimel-Fuhrmann, Jane S. Lopus, 2016-03-24 This Handbook presents in-depth research conducted on a myriad of issues within the field of financial literacy. Split into six sections, it starts by presenting prevalent conceptions of financial literacy before covering financial literacy in the policy context, the state and development of financial literacy within different countries, issues of assessment and evaluation of financial literacy, approaches to teaching financial literacy, and teacher training and teacher education in financial literacy. In doing so, it provides precise definitions of the construct of financial literacy and elaborates on the state and recent developments of financial literacy around the world, to show ways of measuring and fostering financial literacy and to give hints towards necessary and successful teacher trainings. The book also embraces the diversity in the field by revealing contrasting and conflicting views that cannot be bridged, while at the same time making a contribution by re-joining existing materials in one volume which can be used in academic discourse, in research-workshops, in university lectures and in the definition of program initiatives within the wider field of financial literacy. It allows for a landscape of financial literacy to be depicted which would foster the implementation of learning opportunities for human beings for sake of well-being within financial living-conditions. The Handbook is useful to academics and students of the topic, professionals in the sector of investment and banking, and for every person responsible for managing his or her financial affairs in everyday life. |
| data and financial literacy: Overcoming the Saving Slump Annamaria Lusardi, 2009-10-15 The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement. |
| data and financial literacy: Financial Literacy Olivia S. Mitchell, Annamaria Lusardi, 2011-10-27 As defined contribution pensions become prevalent, retirees are increasingly responsible for managing their own pension assets and thus their own financial literacy becomes crucial. Based on empirical evidence and new research, the book examines how financial literacy enhances retirement decision-making in ever more complex financial markets. |
| data and financial literacy: Financial Literacy Starter Kit Richard Gottlieb, 2017 Geared towards those who are just starting out, this volume outlines, step-by-step, how to make the most out of their money, which pitfalls to avoid, and what to watch out for, to give students peace of mind that they are fully equipped to manage their finances after graduation. |
| data and financial literacy: Dictionary of Financial Terms Virginia B. Morris, Kenneth M. Morris, 2007 Streamlined, straightforward, and simple to read guides from Standard & Poor's and Lightbulb Press. The easiest way to get a grip on personal finance, investing, and retirement From the world's leading financial analysts and investor education specialists comes an invaluable foundation of knowledge for every kind of investment you want to make. These guides, a collaboration between Standard & Poor's and Lightbulb Press, use clear language and informative graphics to demystify financial topics. The books make it easy for you to navigate the financial markets and understand the basics of investing and personal finance. Filled with clear, jargon-free definitions of important financial terms, this handy reference gives you the language you need to navigate the world of investing and finance. It also includes common acronyms and extended definitions of more sophisticated investing concepts. |
| data and financial literacy: Control Your Cash Greg McFarlane, Betty Kincaid, 2010-06 A 14% credit card rate! What a deal! Where it says 'adjustable' here on my mortgage - that means 'fixed', right? Work until I retire, then collect Social Security. That's my wealth plan. If you've ever wondered how your money works, where it goes or how it grows, stop wondering. Control Your Cash: Making Money Make Sense deconstructs personal finance so that everyone but the hopelessly inept can understand it. Inside the book, you'll learn: [ how to get your bank accounts, credit cards and other financial instruments to work for you, and not the other way around [ the right way to buy a car (i.e. with the salesman cursing your name as you drive away) [ where and how to invest, and what all those symbols, charts and graphs mean [ how to turn expenses into income, and stop living paycheck-to-paycheck [ whom the tax system is stacked against (hint: it's most of us) and how to use that to your advantage [ the very key to wealth itself. In fact, the authors thought it was so important they put it on the cover so you can read it even if you're too cheap to buy the book: Buy assets, sell liabilities. Finally, a book that explains personal finance not only in layman's terms, but in detail. If you can read, and have any capacity for self-discipline, invest a few bucks in Control Your Cash now and reap big financial rewards for the rest of your life. |
| data and financial literacy: Financial Literacy in Europe Gianni Nicolini, 2019-01-23 Are people ready to take pivotal financial decisions like choosing a mortgage, saving for retirement, or investing their savings? How does the degree of knowledge about financial products and services affect the quality of their choices? Can financial fraud be prevented by increasing consumer financial knowledge? Financial Literacy in Europe addresses these important questions and more. In the first part, the author investigates the concept of financial literacy by analyzing its components and comparing different definitions from previous studies. This then forms a comprehensive measure of financial literacy to be applied in empirical studies that analyze the role of financial literacy in explaining consumers’ financial behaviors. In the second part of the study, the author uses brand new data collected by the Consumer Finance Research Center (CFRC) from several European countries (the UK, Germany, France, Italy, Sweden, and Spain) to assess financial literacy in Europe and highlight similarities and differences across countries. Filling an important gap in previous research, the author develops a rigorous approach in the measurement of financial literacy in order to examine European financial literacy issues in great detail. This book, therefore, is a useful resource for assessing the effectiveness of single financial education programs or planning national strategies on financial education. It can also support policy makers in developing financial regulation and consumer protection strategies, considering the consumer perspective and their ability to deal with financial markets and institutions. |
| data and financial literacy: The Routledge Handbook of Financial Literacy Gianni Nicolini, Brenda J. Cude, 2021-12-30 Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches. |
| data and financial literacy: Personal Financial Literacy Jeff Madura, K. Michael Casey, Sherry J. Roberts, 2009-02-26 |
| data and financial literacy: Women and Financial Education Evidence, Policy Responses and Guidance OECD, 2013-10-16 This book provides policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls. |
| data and financial literacy: The Financial Diaries Jonathan Morduch, Rachel Schneider, 2017-04-04 Drawing on the groundbreaking U.S. Financial Diaries project (http://www.usfinancialdiaries.org/), which follows the lives of 235 low- and middle-income families as they navigate through a year, the authors challenge popular assumptions about how Americans earn, spend, borrow, and save-- and they identify the true causes of distress and inequality for many working Americans. |
| data and financial literacy: Your Financial Mastery Student Guide Sharon Lechter, Sharon Lechter Cpa, Angela Totman, 2016-09-20 Designed to quickly integrate financial literacy into the college classroom, the Your Financial Mastery curriculum enables instructors to easily facilitate student learning using step-by-step instructions, to establish the essential personal finance competencies necessary for students to achieve lifelong financial wellness. Using a highly interactive flipped classroom model, the innovative curriculum meets all Financial Education Core Competencies set by the Department of Treasury for Financial Literacy as well as all personal finance benchmarks set by the Institute of Financial Literacy. Textbook topics include: Budgeting & Banking Financial Statements Credit, Credit Cards & Debt Personal Loans, Automobiles & Home Ownership College Funding & Investing Basics Bonds, Stocks, Mutual Funds & Other Investments Real Estate & Entrepreneurship Retirement Planning & Insurance Taxes and much more The learning experience is enhanced by a powerful online companion website with student and administrator resources supporting this financial literacy textbook / workbook. Articles, calculators, printable exercises and tests, infographics, and videos reinforce each personal finance topic and further promote engagement and interaction within and outside the classroom. The companion website accompanies the Your Financial Mastery: The Instructor's Guide (purchased separately; please contact Jennifer Kelly at busdev@iGrad.com). This groundbreaking curriculum is the collaborative outcome of iGrad, the financial literacy platform that recently won the prestigious Educational Program of the Year Award (EIFLE), and best-selling authors Sharon Lechter (Rich Dad, Poor Dad series) and Angela Totman of Pay Your Family First! Editorial Reviews My students loved it! One excellent outcome was that the class facilitated needed dialog with our students. Bryant Anderson Senior Director of Student Services Illinois College of Optometry Financial literacy is an important topic that has gained much attention in recent years due to national economic concerns, escalating college costs, and increased student borrowing. iGrad is an excellent financial literacy resource that can be easily integrated into high school and/or post-secondary course curriculum, workshops, and career education. Ron Radney Director of Financial Aid Calfornia State University, Bakersfield I am impressed with the depth and breadth of the topics and coverage of the book. I am confident that anyone using this book will be far better prepared for their financial futures as a result. Scott B. Johnson Program Coordinator Illinois Online Network, University of Illinois About iGrad iGrad is an educational partner to more than 600 college and universities nationwide, providing a financial literacy platform that connects more than 1.2 million students, alumni and staff. iGrad has won several awards for its innovative and highly effective approach to financial literacy. 2013 Outstanding Consumer Information Award, Association for Financial Counseling and Planning Education 2013 Education Program of the Year, The Institute for Financial Literacy 2014 Best Product, University Business magazine 2015 University of Illinois adopts the Your Financial Mastery textbook for 8-week facilitator led financial literacy teacher certification course 2015 Education Program of the Year Excellence in Financial Literacy Education (EIFLE) Award for Your Financial Mastery Curriculum |
| data and financial literacy: The Barefoot Investor for Families Scott Pape, 2018-09-01 Discover the ten things your kids need to know about money before they leave home. Forget chore charts, guesswork and parenting guilt: you won't find any of that in this road map for raising hard-working, generous and financially confident kids of all ages. In the same easy-to-read style that made The Barefoot Investor a phenomenal success, Barefoot Investor for Families, published in 2018, is aimed at parents who want to teach their kids the value of a buck. In this #1 bestseller that has sold more than 270,000 copies, Scott Pape has taken the ten money milestones kids need to nail . . . and laid them out for you in a simple, step-by-step plan. Over the course of ten hilarious, poignant and sometimes downright crazy 'Barefoot Money Meals', you'll get the skinny on: The simple pocket money strategy that takes just three minutes a week The kitchen challenge that 'breaks the brat' and shows kids how good they've got it Helping your teen land their first job (even with zero experience) The $453 329 gift to your child that won't cost you a cent How to boost your kids into the property market with the 'Barefoot Ladder' strategy Along the way, you'll meet proud mums and dads-Aussie families from all walks of life-who've used this exact plan to give their kids life-changing money skills. If you're a parent, grandparent, uncle, aunty or have children in your life, whether they're two or twenty-two, it's never too early or too late to start. |
| data and financial literacy: Voluntary National Content Standards in Economics National Council on Economic Education, Foundation for Teaching Economics, 1997 This essential guide for curriculum developers, administrators, teachers, and education and economics professors, the standards were developed to provide a framework and benchmarks for the teaching of economics to our nation's children. |
| data and financial literacy: Storytelling with Data Cole Nussbaumer Knaflic, 2015-10-09 Don't simply show your data—tell a story with it! Storytelling with Data teaches you the fundamentals of data visualization and how to communicate effectively with data. You'll discover the power of storytelling and the way to make data a pivotal point in your story. The lessons in this illuminative text are grounded in theory, but made accessible through numerous real-world examples—ready for immediate application to your next graph or presentation. Storytelling is not an inherent skill, especially when it comes to data visualization, and the tools at our disposal don't make it any easier. This book demonstrates how to go beyond conventional tools to reach the root of your data, and how to use your data to create an engaging, informative, compelling story. Specifically, you'll learn how to: Understand the importance of context and audience Determine the appropriate type of graph for your situation Recognize and eliminate the clutter clouding your information Direct your audience's attention to the most important parts of your data Think like a designer and utilize concepts of design in data visualization Leverage the power of storytelling to help your message resonate with your audience Together, the lessons in this book will help you turn your data into high impact visual stories that stick with your audience. Rid your world of ineffective graphs, one exploding 3D pie chart at a time. There is a story in your data—Storytelling with Data will give you the skills and power to tell it! |
| data and financial literacy: Financial Literacy and Responsible Finance in the FinTech Era John O.S. Wilson, Georgios A. Panos, Chris Adcock, 2021-07-21 A growing body of evidence suggests that financial literacy plays an important role in financial well-being, and that differences in financial knowledge acquired early in life can explain a significant part of financial and more general well-being in adult life. Financial technology (FinTech) is revolutionizing the financial services industry at an unrivalled pace. Views differ regarding the impact that FinTech is likely to have on personal financial planning, well-being and societal welfare. In an era of mounting student debt, increased (digital) financial inclusion and threats arising from instances of (online) financial fraud, financial education and enlightened financial advising are appropriate policy interventions that enhance financial and overall well-being. Financial Literacy and Responsible Finance in the FinTech Era: Capabilities and Challenges engages in this important academic and policy agenda by presenting a set of seven chapters emanating from four parallel streams of literature related to financial literacy and responsible finance. The chapters in this book were originally published as a special issue of The European Journal of Finance. |
| data and financial literacy: The 21st Century Student's Guide to Financial Literacy Susan Mulcaire, 2015-05-09 17 classroom-ready lessons in commerce, business, entrepreneurism, and innovation. Students build a vocabulary of over 200 financial terms and concepts, and familiarity with key institutions of global commerce. Students gain proficiency in big picture financial literacy topics including barter and trade, the evolution of money, the rise of capitalism, currency, venture capital, startups, intellectual property, securities and stock markets, wealth disparity, and global free trade agreements. They will understand the roles of such powerful institutions as the SEC, USPTO, Federal Reserve Bank, IMF, World Bank, World Trade Organization, G7, G20, and the Eurozone. |
| data and financial literacy: Rainy Day Ready Melanie Welch, Patrick Hogan, 2019-12-06 Drawing from the expertise of business librarians and ALA's Public Programs Office (PPO), this book is a ready-to-use guide for offering financial literacy initiatives at your own library. |
| data and financial literacy: PISA 2018 Assessment and Analytical Framework OECD, 2019-04-26 This report presents the conceptual foundations of the OECD Programme for International Student Assessment (PISA), now in its seventh cycle of comprehensive and rigorous international surveys of student knowledge, skills and well-being. Like previous cycles, the 2018 assessment covered reading, mathematics and science, with the major focus this cycle on reading literacy, plus an evaluation of students’ global competence – their ability to understand and appreciate the perspectives and world views of others. Financial literacy was also offered as an optional assessment. |
| data and financial literacy: Handbook of Consumer Finance Research Jing Jian Xiao, 2016-05-30 This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields. |
| data and financial literacy: Consumer Action Handbook, 2010 Edition U.S. Services Administration, 2010 Use this guide to get help with consumer purchases, problems and complaints. Find consumer contacts at hundreds of companies and trade associations; local, state, and federal government agencies; national consumer organizations; and more. |
| data and financial literacy: On the Money Susan A. Peters, 2016-04-01 |
| data and financial literacy: Personal Financial Literacy Workbook for Personal Financial Literacy Jeff Madura, Michael Casey, Sherry Roberts, 2009-03-02 |
Data and Digital Outputs Management Plan (DDOMP)
Data and Digital Outputs Management Plan (DDOMP)
Building New Tools for Data Sharing and Reuse through a …
Jan 10, 2019 · The SEI CRA will closely link research thinking and technological innovation toward accelerating the full path of discovery-driven data use …
Open Data Policy and Principles - Belmont Forum
The data policy includes the following principles: Data should be: Discoverable through catalogues and search engines; Accessible as open …
Belmont Forum Adopts Open Data Principles for Environme…
Jan 27, 2016 · Adoption of the open data policy and principles is one of five recommendations in A Place to Stand: e-Infrastructures and Data …
Belmont Forum Data Accessibility Statement an…
The DAS encourages researchers to plan for the longevity, reusability, and stability of the data attached to their research publications and results. …
Data and Digital Outputs Management Plan (DDOMP)
Data and Digital Outputs Management Plan (DDOMP)
Building New Tools for Data Sharing and Reuse through a …
Jan 10, 2019 · The SEI CRA will closely link research thinking and technological innovation toward accelerating the full path of discovery-driven data use and open science. This will …
Open Data Policy and Principles - Belmont Forum
The data policy includes the following principles: Data should be: Discoverable through catalogues and search engines; Accessible as open data by default, and made available with …
Belmont Forum Adopts Open Data Principles for Environmental …
Jan 27, 2016 · Adoption of the open data policy and principles is one of five recommendations in A Place to Stand: e-Infrastructures and Data Management for Global Change Research, …
Belmont Forum Data Accessibility Statement and Policy
The DAS encourages researchers to plan for the longevity, reusability, and stability of the data attached to their research publications and results. Access to data promotes reproducibility, …
Climate-Induced Migration in Africa and Beyond: Big Data and …
CLIMB will also leverage earth observation and social media data, and combine them with survey and official statistical data. This holistic approach will allow us to analyze migration process …
Advancing Resilience in Low Income Housing Using Climate …
Jun 4, 2020 · Environmental sustainability and public health considerations will be included. Machine Learning and Big Data Analytics will be used to identify optimal disaster resilient …
Belmont Forum
What is the Belmont Forum? The Belmont Forum is an international partnership that mobilizes funding of environmental change research and accelerates its delivery to remove critical …
Waterproofing Data: Engaging Stakeholders in Sustainable Flood …
Apr 26, 2018 · Waterproofing Data investigates the governance of water-related risks, with a focus on social and cultural aspects of data practices. Typically, data flows up from local levels …
Data Management Annex (Version 1.4) - Belmont Forum
A full Data Management Plan (DMP) for an awarded Belmont Forum CRA project is a living, actively updated document that describes the data management life cycle for the data to be …
