...SELF-CONTROL, FINANCIAL LITERACY, AND THE FINANCIAL BEHAVIORS OF YOUNG ADULTS Dissertation Presented in Partial Fulfillment of the Requirements for the Degree Doctor of Philosophy in the Graduate School of The Ohio State University By Jodi C. Letkiewicz, B.S., M.S. Graduate Program in Human Ecology ******* The Ohio State University 2012 Dissertation Committee: Dr. Jonathan Fox, Advisor Dr. Catherine P. Montalto Dr. Robert Scharff Dr. Caezilia Loibl Copyright by Jodi C. Letkiewicz 2012 ii ABSTRACT The objective of this paper is to determine whether financial literacy can moderate the effects that self-control has on financial outcomes. Financial literacy is an oft cited solution to the myriad financial complexities faced by consumers. If financial literacy is effective it should help consumers overcome issues of self-control to encourage more fiscally responsible behaviors. Both economic and psychological theories of self-control are explored, and a conceptual model using the Big Five personality trait of conscientiousness as a measure of self-control is utilized. Data for this study come from the 1997 National Longitudinal Survey of Youth (NLSY). Asset data in the study was collected in Rounds 9-13 when the respondents were 25 years old. The measure of conscientiousness was collected in Round 13 as part of the Ten-Item Personality Inventory...
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...2006 National Institute of Standards and Technology Technology Administration • Department of Commerce Baldrige National Quality Program Arroyo Fresco Community Health Center Case Study 2006 National Institute of Standards and Technology Technology Administration • Department of Commerce Baldrige National Quality Program Arroyo Fresco Community Health Center Case Study The Arroyo Fresco Community Health Center Case Study was prepared for use in the 2006 Malcolm Baldrige National Quality Award Examiner Preparation Course. The Arroyo Fresco Community Health Center Case Study describes a fictitious nonprofit organization in the health care sector. There is no connection between the fictitious Arroyo Fresco Community Health Center and any other organization, either named Arroyo Fresco Community Health Center or otherwise. Other organizations cited in the case study also are fictitious, except for several national and government organizations. Because the case study is developed to train Baldrige Examiners and others and to provide an example of the possible content of a Baldrige application, there are areas in the case study where Criteria requirements are not addressed. CONTENTS 2006 Eligibility Certification Form ………………………………………………………………… Organization Chart ………………………………………………………………………………… 2006 Application Form …………………………………………………………………………… Glossary of Terms and Abbreviations ……………………………………………………………… Preface: Organizational Profile P.1 P.2 Organizational Description...
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...´ ´ ETAT PRESENT WHAT HAPPENED TO THE CATHOLIC NOVEL? TOBY GARFITT MAGDALEN COLLEGE, OXFORD The idea of a specifically Catholic novel arose during the nineteeth century. The often anti-Catholic agenda of the philosophes and the libertine novel had been counterbalanced by writers such as Rousseau and Bernardin de Saint-Pierre, who sought to reveal God through the wonders of the natural world. But it was Chateaubriand’s Atala (1801) that inaugurated the new genre of the Catholic novel as a riposte to the dechristianization associated with the Revolution. Chateaubriand was more partial to the epic, however, and in this he was followed by Bonald, who appreciated the scope that the epic afforded for the depiction of ‘le merveilleux chretien’, including angels.1 An interesting ´ twentieth-century representative of this tradition is Patrice de La Tour du Pin, ´ whose three-volume Somme de poesie (1946 – 63) charts the progression from lyrical poetry in a neo-Romantic vein, through a process of kenosis or selfemptying (which involves a shift towards prose in the second volume), to the ´ ´ creation of a new theopoesie.2 Epic poetry continued to offer a means of exploring religious and scientific ideas throughout the nineteenth century (Quinet, Hugo, Bouilhet), but there was already a backlash by the 1820s, and, as the novel rapidly established itself as the major literary genre, a number of Catholic sub´ genres developed. The ‘Avant-propos’ to Balzac’s Comedie humaine expresses nostalgia...
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...South Carolina Social Studies Academic Standards Mick Zais, Ph.D. State Superintendent of Education South Carolina Department of Education Columbia, South Carolina State Board Approved Document – August 18, 2011 Contents Acknowledgments.......................................................................................................................... iii Introduction .....................................................................................................................................1 Social Studies Standards Page Format .............................................................................................5 Grade-Level Standards for Social Studies Grades K–3 Kindergarten. Foundations of Social Studies: Children as Citizens ...............................................7 Grade 1. Foundations of Social Studies: Families........................................................................12 Grade 2. Foundations of Social Studies: Communities ................................................................17 Grade 3. South Carolina Studies ..................................................................................................22 Grades 4–5 Grade 4. United States Studies to 1865 ........................................................................................29 Grade 5. United States Studies: 1865 to the Present ....................................................................36 Grades 6–8 Grade 6. Early Cultures to 1600...
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...EVENT: Black Vace newspaper – in the library 2pm on Friday 4/27 Donations to PFAU library. HBCU – groups all over the world to come together. • Mixed races – either intentional or unintentional. o Mulatto – ½ black (this is an offensive term which the root word is mule) o Quadroon – ¼ black o Octoroon – 1/8 black Video – Fisk singers and early white gospel video • Literacy was a problem – acapella singing. • Gospel – “Good news” • Fisk = HBCU in 1866 Video: the history of gospel music 02 • In the African heritage it had to be the music, the preacher and the religious. o Had to be the preacher and the response • Music was to be free but then brought Christianity which was pulled out from that they say. • Involving percussion tones • Melees tone – not singing the tone right to but to shape it. We wear the mask poem: Paul Laurence Dunbar (1872 – 1906) • Mask – façade, disguises you, hides you, masquerade, protection, performers. Performance v. rituals • Ritual o Gospel • Performance o For others/benefits o Entertainment o Image Video: Education on Minstrel – goes into the Images topic • Developed in 1820. • T.D. Rice • Jim crow presents himself as an African (black face) by performing how the Africans perform. Performance within a performance. • Compromise of 4, etc. o Paid performances • Call and response Images: • Co-opted • Corruption of the history image • Massive available – were everywhere. • The images like...
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...English for Academic Purposes 1 (EAP 1) UK Education System Booklet Autumn 2015 Contents | Page | Tips for Using this Booklet | 3 | 1. Organisation | | Education System in the UK | 4 | 2. Funding | | Trends in education and schools spending | 8 | School budgets facing significant cuts | 10 | 3. Quality | | UK second best education in Europe | 11 | GCSEs to become more demanding and rigorous, says Michael Gove | 13 | 4. Comparison of UK education system | | The United Kingdom Education System in Comparative Context | 15 | Tips for Using this Booklet Choose three topics only: although the articles in this booklet cover a range of areas you only need to focus on three in your essay. You may choose to look at another topic not covered in this booklet but check with your tutor if you are unsure if it is suitable. Read selectively: the journal article in section 4 contains a lot of useful information about the UK as well as other countries. However, it is quite long and contains quite a lot of historical background information in the first few pages which will not necessarily be useful for your assignment. Use the sub-headings to focus on the sections that will be most useful to you. Use only relevant details: Be selective when choosing the information you want to include and make sure it remains relevant to the topic of the paragraph. E.g. If the paragraph is on the structure of the education system, do not start discussing any...
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...Resources for Teaching Prepared by Lynette Ledoux Copyright © 2007 by Bedford/St. Martin’s All rights reserved. Manufactured in the United States of America. 2 1 f e 0 9 d c 8 7 b a For information, write: Bedford/St. Martin’s, 75 Arlington Street, Boston, MA 02116 (617-399-4000) ISBN-10: 0–312–44705–1 ISBN-13: 978–0–312–44705–2 Instructors who have adopted Rereading America, Seventh Edition, as a textbook for a course are authorized to duplicate portions of this manual for their students. Preface This isn’t really a teacher’s manual, not, at least, in the sense of a catechism of questions and correct answers and interpretations. Because the questions provided after each selection in Rereading America are meant to stimulate dialogue and debate — to generate rather than terminate discourse — they rarely lend themselves to a single appropriate response. So, while we’ll try to clarify what we had in mind when framing a few of the knottier questions, we won’t be offering you a list of “right” answers. Instead, regard this manual as your personal support group. Since the publication of the first edition, we’ve had the chance to learn from the experiences of hundreds of instructors nationwide, and we’d like to use this manual as a forum where we can share some of their concerns, suggestions, experiments, and hints. We’ll begin with a roundtable on issues you’ll probably want to address before you meet your class. In the first section of this manual, we’ll discuss approaches to...
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...the Northern Renaissance Luther and the Protestant Reformation The Spread of Protestantism The Catholic Reformation 2 WESTERN CIVILIZATIONS The French Revolution Napoleon Bonaparte The Industrial Revolution Advancing Industrialism Colonialism China and the West Social and Economic Realities Nineteenth-Century Social Theory: conservatism, liberalism & socialism The Radical View of Marx and Engels Picasso and the Birth of Cubism Futurism, Fauvism and Non Objective Art The Birth of Motion Pictures Freud and the Psyche Total War and Totalitarianism The First World War The Russian Revolution Nazi Totalitarianism The Second World War Identity and Liberation: Gandhi, Martin Luther King and Malcolm X 3 WESTERN CIVILIZATIONS The Black Death The most devastating natural catastrophe of the early modern era was the bubonic plague, which hit Europe in 1347 and destroyed one third to one half of its population within less than a century. Originating in Asia and spread by the Mongol tribes that dominated that vast area, the disease devastated China and the Middle East, interrupting long-distance trade and crossnatural encounters...
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...Civil rights Movement Truman Harry Truman is not a name usually associated with America's Civil Rights movement if only because the main 'points' happened after his presidency - Montgomery, Little Rock, Birmingham, the careers of Martin Luther Kingand Stokely Carmichael. However, some very important civil rights issues were covered in his presidency. Truman’s ancestors had owned slaves. His first recollection of African Americans was a household servants within his family - and he did not come from a prosperous family. While he was dating his future wife Bess, she claimed that he told her that he felt that one person was as good as any other as long as they were not black. He also criticised the Chinese in America, the Jews - to whom he referred to as "Kikes" and the Italians in America who he called "wops". Hence, Truman’s background produced what one would have expected and the young Truman would have had the same views as most other youths in Independence. When he got involved in politics at an early age, he did what any aspiring politician did in the South, he paid $10 to join the KKK. Public office changed Truman. Why? Did he feel that America could not claim to be the democratic capital of the world while African Americans were treated thus? Or were his motives political? The African American population was big enough to have some political clout. Was he out to fish for their votes with his adoption of the civil rights cause? Truman and civil rights legislation: Before...
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...WOMEN DEVELOPMENT AND NATIONAL POLICY ON WOMEN IN NIGERIA Olubunmi Aderemi Sokefun Abstract This paper discusses the document on women in Nigeria (National Policy on Women). Several past administrations in this country have treated women issues and affairs with calculated levity: Carefully side - tracking or blatantly refusing to accord it the necessary attention. It is now a thing to gladden the hearts of all women of Nigeria that, "after four attempts by four former heads of Nigeria's Government," Chief Obasanjo's administration finally granted government recognition to women's issues in this country. The official document .on Human Rights' issues as it relates to Nigerian women; this document is known as the NATIONAL POLICY ON WOMEN. This paper therefore focuses on the document which promises to bring delight to the heart of every woman in this country. Introduction When late Mrs. Olufunmilayo Ransome Kuti joined the vanguard team as the only nationalist and activist during the early struggle for Nigerian independence, hardly did .anybody realize then that she had a dream, a clear vision of a future Nigerian woman, that vision was crystal clear in her heart, and like a pivot, it stood firmly on three stand posts-known today as women's rights, women emancipation and women empowerment.. . Mrs. Olufunmilayo Ransome-Kuti later joined by some educated women of like minds, fought daringly and relentlessly for these three .pivotal goals of women emergency and relevance in the socio-political...
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...Australian Education Review Second Languages and Australian Schooling Joseph Lo Bianco with Yvette Slaughter Australian Council for Educational Research First published 2009 by ACER Press Australian Council for Educational Research 19 Prospect Hill Road, Camberwell, Victoria, 3124 Copyright © 2009 Australian Council for Educational Research All rights reserved. Except under the conditions described in the Copyright Act 1968 of Australia and subsequent amendments, no part of this publication may be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without the written permission of the publishers. Edited by Carolyn Glascodine Cover illustration by ACER Project Publishing Typeset by ACER Project Publishing Printed by BPA Print Group National Library of Australia Cataloguing-in-Publication entry Author: Title: ISBN: Series: Notes: Subjects: Lo Bianco, Joseph. Second languages and Australian schooling / Joseph Lo Bianco ; Yvette Slaughter. 9780864318374 (pbk) Australian education review ; 54. Bibliography. Language and languages--Study and teaching--Australia. Language and languages--Study and teaching—Bilingual method. Education, Bilingual--Australia. Other Authors/Contributors: Slaughter, Yvette. Australian Council for Educational Research. Dewey Number: 370.11750994 Visit our website: www.acer.edu.au Acknowledgment The Author and Series Editor wish to acknowledge the contribution...
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...social problems faced by nations in the present era of globalization? When historians write of the world’s recent history, they are likely to reflect on two trends: the advance of globalization and the spread of democracy. Globalization has been the more contentious, because it has effects both good and bad, and democracy has opened space for people to protest the bad effects. So, controversies rage over the environmental, economic and social consequences of globalization. But there is another domain of globalization, that of culture and identity, which is just as controversial and even more divisive because it engages ordinary people, not just economists, government officials and political activists. Globalization has increased contacts between people and their values, ideas and ways of life in unprecedented ways. People are travelling more frequently and more widely. Television now reaches families in the deepest rural areas of China. From Brazilian music in Tokyo to African films in Bangkok, to Shakespeare in Croatia, to books on the history of the Arab world in Moscow, to the CNN world news in Amman, people revel in the diversity of the age of globalization. American coffeehouse chain Starbucks has begun selling its espresso and food items to ever-increasing number of countries and this way spreading American food habits. It is the first time in human history that virtually every individual at every level of society consciously or unconsciously feels the impact of globalization...
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...Authors Paper Title Page Maryam Abdu Investigating Capital Structure Decisions and Its Effect on the Nigerian Capital Market 1 Norsuhaily Abu Bakar Rahimah Embong Ibrahim Mamat Ruzilawati Abu Bakar Idris Abd. Hamid Holistically Integraded Curriculum: Implications for Personality Development 16 Sandra Ajaps Geography Education in the Google age: A Case Study of Nsukka Local Government Area of Nigeria 30 Helen Afang Andow Impact of Banking Reforms on Service Delivery in the Nigerian Banking Sector 45 Billy Batlegang Green IT Curriculum: A Mechanism For Sustainable Development 59 Rozeta Biçaku-Çekrezi Student Perception of Classroom Management and Productive Techniques in Teaching 74 Thomas J.P.Brady Developing Digital Literacy in Teachers and Students 91 Lorenzo Cherubini Ontario (Canada) Education Provincial Policy: Aboriginal Student Learning 101 Jennifer Dahmen Natascha Compes Just Google It?! But at What Price? Teaching Pro-Environmental Behaviour for Smart and Energy-Efficient Use of Information and Communication Technologies 119 Marion Engin Senem Donanci Using iPads in a dialogic classroom: Mutually exclusive or naturally compatible? 132 Nahed Ghazzoul Teaching and Learning in the Age of 'Just Google it' 149 Saba A. Gheni Falah H. Hussein Teaching Against Culture of Terrorism in the Middle East 162 Jessica Gordon Bonnie Boaz Integrating Digital Media into Multimodal Compositions: Five Trends in the Transfer of Rhetorical Skills 173 ...
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...Freedom of Connection – Freedom of Expression: The Changing Legal and Regulatory Ecology Shaping the Internet by William H. Dutton Anna Dopatka Michael Hills Ginette Law and Victoria Nash Oxford Internet Institute University of Oxford 1 St Giles Oxford OX1 3JS United Kingdom 19 August 2010 A report prepared for UNESCO’s Division for Freedom of Expression, Democracy and Peace. The opinions expressed in this report are those of the authors and do not necessarily reflect the views of UNESCO or its Division for Freedom of Expression, Democracy and Peace. Preface As stated in its Constitution, UNESCO is dedicated to “Promoting the free flow of ideas by word and image”. Part of this mission, therefore, is to promote freedom of expression and freedom of the press through sensitization and monitoring activities, as a central element in building strong democracies, contributing to good governance, promoting civic participation and the rule of law, and encouraging human development and security. Media independence and pluralism are fostered by the Organization, providing advisory services on media legislation and sensitizing governments and parliamentarians, as well as civil society and relevant professional associations. However, UNESCO recognizes that the principle of freedom of expression must apply not only to traditional media, but also...
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...HISTORY AND THEORY STUDIES FIRST YEAR Terms 1 and 2 Course Lecturers: CHRISTOPHER PIERCE / BRETT STEELE (Term 1) Course Lecturer: PIER VITTORIO AURELI (Term 2) Course Tutor: MOLLIE CLAYPOOL Teaching Assistants: FABRIZIO BALLABIO SHUMI BOSE POL ESTEVE Course Structure The course runs for 3 hours per week on Tuesday mornings in Terms 1 and 2. There are four parallel seminar sessions. Each seminar session is divided into parts, discussion and submission development. Seminar 10.00-12.00 Mollie Claypool, Fabrizio Ballabio, Shumi Bose and Pol Esteve Lecture 12.00-13.00 Christopher Pierce, Brett Steele and Pier Vittorio Aureli Attendance Attendance is mandatory to both seminars and lectures. We expect students to attend all lectures and seminars. Attendance is tracked to both seminars and lectures and repeated absence has the potential to affect your final mark and the course tutor and undergraduate coordinator will be notified. Marking Marking framework adheres to a High Pass with Distinction, High Pass, Pass, Low Pass, Complete-toPass system. Poor attendance can affect this final mark. Course Materials Readings for each week are provided both online on the course website at aafirstyearhts.wordpress.com and on the course library bookshelf. Students are expected to read each assigned reading every week to be discussed in seminar. The password to access the course readings is “readings”. TERM 1: CANONICAL BUILDINGS, PROJECTS, TEXTS In this first term of...
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