There is a well-known connection between the barriers to entry created by an overburdensome regulatory climate and lower levels of productivity that create less economic growth. Many economics students are under the impression that regulations are designed to protect the workers and consumers as well as improve product quality, so they are often…

There is a lot to consider when thinking about college or career school. One of those considerations should be how to plan to fund the education. Chances are that students will need to rely on student loans (money that is borrowed and payed back with interest) to help pay for at least part of the education. Direct Loans (loans made by the federal…

In response to the COVID-19 pandemic, universities around the globe have taken numerous extraordinary measures and implemented many changes to their strategic, operational, and academic activities. Currently, there is a transformation taking place from the emergency decision-making in the early stages of the pandemic towards reflection and…

The Federal Reserve (the Fed) is the central bank of the United States. It has a congressional mandate to promote maximum sustainable employment and price stability. In normal times, the Fed seeks to achieve this mandate by setting the position or "stance" of monetary policy, primarily by managing the level of short-term interest rates.…

One econometric rule of thumb is that greater dispersion in observations of the independent variable improves estimates of regression coefficients and therefore produces better results, i.e., lower standard errors of the estimates. Nevertheless, students often seem to mistrust precisely the observations that contribute the most to this greater…

This article was written with the purpose of informing educators, agency service providers, family members, stakeholders, researchers in the field of transition, and individuals with intellectual disabilities themselves, of the guardianship alternatives that can be used, hence negating the need for a legal guardian. Guardianship refers to the…

Adult education is now considered a mainstream academic discipline in several African countries, and its importance in today's knowledge and "ideas" economies is growing steadily. It is provided by organisations such as public universities, training colleges, corporate universities and employers. The successful operation of educational…

When an individual is considering college--or some form of education after high school--financial aid almost always comes to mind. While an individual has the primary responsibility of paying for college, sometimes those funds just aren't enough and he needs to look at other resources. The U.S. Department of Education provides more than $150…

Children's economic reasoning follows a developmental sequence in which their ideas about money and other basic economic concepts are forming. Even children in the early primary grades can learn some basic economics and retain understanding of economic concepts if they are taught in developmentally appropriate ways. Given how important economic…

Librarians should add this must-have resource to their library's collection to assist patrons in the tough task of applying and paying for college. Whether they are a high school student, already in college, a parent, or an adult returning to school, patrons can use this guide to: (1) Fill out forms for financial aid, loans, and scholarships; (2)…

Each year, 700,000 students from around the world come to the United States and Canada to study. For many, the experience is as challenging as it is exciting. Far from home, they must adapt to a new culture, new university system, and in many cases, a new language. The process can be overwhelming, but as Charles Lipson's "Succeeding as an…

Financial literacy refers to the ability to make informed judgements and to take effective decisions regarding the use and management of money. A baseline survey carried out by the Financial Services Agency (FSA) in 2006 highlighted many issues: (1) 29% of 16-4-year-olds said they would not know how to prepare and manage a weekly budget; (2) 19%…

This publication describes innovative and powerful mechanisms for financing sustainability projects on campus including energy efficiency upgrades and renewable energy installations. The guide provides step-by-step guidance for establishing revolving loan funds for campus sustainability, based on the experiences of the authors in setting up such a…

Designed for first-time borrowers, this pamphlet describes the basics of credit as a part of personal financial planning. Following a self-quiz (with answers) that tests the reader's knowledge of credit, the pamphlet provides guidelines for responsible credit use and outlines steps to take if debt problems occur. Topics covered include the…

This guide is intended for students leaving school and therefore needing to plan for repayment of loans received through the William D. Ford Federal Direct Loan Program. The guide offers students guidelines for choosing a repayment plan, information about rights and responsibilities as a borrower under both subsidized and unsubsidized direct loan…