One of the factors affecting the quality of life of individuals is financial decisions. Every activity that individuals do to meet their needs is within the scope of finance. For this reason, Financial literacy is a concept that closely concerns every individual living in society. Financial literacy includes individuals to have information about…

Establishing Financial Literacy (FL) programs for K-12 students is an emerging concern for policymakers worldwide. Such programs esteem the market a preferred arena for economic decision-making than the civic arena. In parallel, media organizations in many capitalist economies are devoting increasing resources to popular coverage of finance, which…

The study focused on analyzing the knowledge and application of cryptocurrencies in undergraduate programs across public and private universities in Honduras. Given the increasing relevance of cryptocurrencies in the global financial landscape. The primary objective was to assess the level of knowledge and application of cryptocurrencies among…

While many high school students confess a desire to develop personal money management skills, statistics tracking the average Canadian's personal debt underscore the need to ensure the youth have the tools they need for financial success. What would it take to motivate teens to learn more about how they spend and manage their money? The authors…

The Canada Education Savings Program is an initiative of the Government of Canada. As part of the Department of Human Resources and Skills Development, the program administers the Canada Education Savings Grant and the Canada Learning Bond. These two initiatives help Canadian families save for a child's post-secondary education in Registered…

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…

The three case studies featured in this publication need to be viewed in conjunction with the recent National Centre for Vocational Education Research (NCVER) report: "A New Social Capital Paradigm for Adult Literacy: Partnerships, Policy and Pedagogy" (Balatti, Black & Falk 2009). The case studies form an important research phase of…

This paper describes a retirement planning program designed by four educational institutions in Calgary, Alberta and presents the program workshops that offered participants the basics of finance, health, and lifestyle, along with living arrangements, relationship changes, the aging process, community resources, and consumer affairs. Teaching…

Information on pension plans in 16 Ontario universities is presented in terms of the type of plan, eligibility, member contributions, university contributions, and benefits. There are eight defined benefit plans: seven money purchase plans with minimum guarantees, and one money purchase plan with no guarantees. Almost all of the plans are eligible…

This series issue presents a description and assessment of the Agency for International Development (AID) funded endowment concept as conducted by a number of AID Missions and host governments in Latin American and the Caribbean. These endowments are being used to strengthen and sustain the financial base of existing or new non-governmental…

This report describes the planning process for the Export Academy at Eastern Michigan University, designed to prepare students for a Master of Arts degree combining export and trade studies with second language (French, German, Spanish). In 1989-91, the Academy prepared the proposal for the new Master's degree program and sponsored a series of…

This annual report describes the operations of the Manitoba Universities Grants Commission for the fiscal year 1994-95 with an audited balance sheet and statement of operating revenues and expenditures. The Commission advises the government on how much financial assistance should be given universities. It is also responsible for allocating funds…