Financial Literacy Among International and Local University Students Introduction Financial literacy is a vital skill that we require in our everyday life. Financial literacy has been described as the concept of understanding money and its daily use. Two essential elements in this concept are income and expenditure, and the understanding of how they can be managed. Other everyday concepts that are attached to financial literacy include credit, insurance, savings, and investment. Further, financial knowledge involves the understanding of financial concepts relating to investment and management of funds objectively to create wealth. Individuals need not only to understand how to earn and spend money but also how to benefit from credit features available and investment.  Such awareness will enable people to understand things such as financial statements, calculation of interests for borrowed money or saved money, return on capital, and profits from the invested money. Financial experts argue that high returns are associated with high risk as a result of the uncertainties associated with the market. Young investors should thus understand the market dynamics of deflation and inflation, changing demands, and…

Cultural Literacy Reflection Paper My culture is a personal guide within me that I use to know my lifestyle choices or make choices of what activities to do, value, ignore, and decide on what is right and wrong. A variety of influences is what defines my personal beliefs, quality of life, and lifestyle choices. I was raised in a family-oriented culture where “respect the elder and love your family above all” is like a policy. I value giving to others, especially the poor, as my most significant responsibility because I tend to get my joy by visiting the sick at hospitals or sharing meals with homeless families. I like listening to reggae music that usually tends to omit the “g” off the finish of lyrics (muddin’, gettin’, pullin’, etc…), hill climbing at mist zones is part of me as I always have a passion of becoming athletic and compete with world-class heroes in hill climbing. I value the quality of my life that I chose from the body modification culture… piercings and tattoos are the way of life I decided…

Importance of Media Literacy Media literacy refers to the ability to identify varied types of media and understanding the messages that they intend to convey. People take a large volume of information from a wide range of sources, much beyond the traditional or old media. Media comprises video games, memes, text messages, social media, advertising, viral videos, and many more. Feuerstein (2015) claimed that all media have one thing in common: It must have been created by someone, and there must have been a reason for creating it. Therefore, the basis of media literacy constitutes understanding the reason behind the creation of the media as well as creating the media (Feuerstein, 2015). In most cases, people don’t know the creator of a media, the reason they were created, and whether they are trustworthy and reliable. This makes it challenging to teach and learn media literacy. History records it that media contents are dynamic and therefore media literacy play a vital in coping up with the changes. Nevertheless, given the recent advancements in technology, media literacy is an essential skill and…

EMPOWERING WOMEN THROUGH LITERACY PRACTICES Research topic relevance to writing studies   The research topic aligns to writing studies since it introduces learners to university-level writing and analysis of academic texts. Also, the topic ensures that students utilize technology during the writing and research process on compelling topics such as women empowerment in the modern era. As such, the target audience would be able to utilize written language through literacy practices based on individual values and social relationships. The research h topic fulfils requirements by writing studies on the need to develop independent research skills that help develop a hypothesis on crucial societal topics. The topic relies on individual ability to utilize literacy practices as a way of empowering women in a modern societal setting. Research questions How does technology development help empower women in contemporary society? What are some of the civic engagement that helps empower women? How can organizations attract more female talents to empower feminism? Academic fields on women empowerment Academic fields such as humanities and social science provide a deep insight into the topic. The academic…

Collective Learning The term collective learning is used here for an idea that appears under different names in different disciplines (Christian 2004, 2010). Near synonyms include culture or social learning (Richerson and Boyd 2005). Although their meanings overlap, there are subtle but important differences between these terms. Collective learning is defined here as the ability of a species to share information so efficiently and so precisely that learning takes place not just at the level of the individual, but also at the level of the community and the species. The human species has crossed a fundamental tipping point in communicative efficiency, so that information can keep accumulating without any apparent limits at the level of the whole species. Already by the eighteenth century, the Scottish philosopher Adam Ferguson had grasped the importance of our capacity for collective learning: “In other classes of animals, the individual advances from infancy to age or maturity; and he attains, in the compass of a single life, to all the perfection his nature can reach: but, in the human kind, the species has a progress…

       STEPS TO MITIGATE INTEREST RATE RISK. Interest rate uncertainties are managed through proper  management of assets and investments.As an investor i would ensure: 1.Diversification- invest in  different portfolios  this helps reduce severity of Interest rate risk as the investors is able to offset losses incurred in One investment with gain realised from another investment. 2.Management of assets and liabilities by measuring the ability of an investment to tolerate  occurrence of a risk, ensuring balance between loans with fixed rate  and loans variability  and using assets to offset liabilities. 3.Purchasing of a forward rate agreement with a fixed rate thus reducing the risk associated with interest rate risk. 4.Using interest rates derivatives by considering  the market environment  therefore buying of futures incase of low income,selling of futures when interest rates are rising, use of interest rate swap and lastly the use of option future thus reducing any additional risk. 5.Hedging the risk by taking an insurance cover this  help reduce  the risk  whereby  incase of an occurrence of interest rate risk the investor will  be compensated.. AGE AND CURRENT ECONOMIC…

The Conference of the Birds The Conference of the Birds is an ancient poem composed by Farid Attar. The poem is known to be the best piece of article written by the poet. The poem is made up of several parables where every parable is characterized by an allegory. This paper seeks to identify and analyze the allegorical players in the parables. One of the allegorical players in the poem is the birds. The poet made use of the birds to represent how humankind achieves enlightenment. The birds arrange for a meeting during which they are to find one of them to the sovereign leader (Campos, 2017). One of the wisest birds Hoopoe advice the birds to find Simorgh. Simorgh was a legendary bird. Every bird represented the moral symbolism of human behaviour. More so, every bird had its corresponding. The use of the birds is some kind of a parable where the moral experiences of the birds during their journey to find Simorgh represent the experiences of the humankind in their journey to find divinity. The parable starts with…

Business Strategies in Health Informatics Literature Review Introduction The business literature is complete with practical and theoretical advice on policy development for business achievement and competitive benefits. For such cases, the information is most possibly to succeed in a profitable enterprise where revenue is the driving force, and critical success factors and business imperatives are well recognized. For other organizations, for example, those in the public development sectors or in firms that are a concern to progressive change or change priorities, planning development is a risker system. Notably, the low success level of several strategic initiatives that depends heavily on information development technology reveals substantial and generic hardships such as the specific cation of wants and the rapid enhancement of technological change. The configuration of business and information strategies in the paper is no assurance of achievement implementations. These difficulties are most evident around the health sector information technology projects where the multidisciplinary nature of the financial transactions and quality of service offered to the patients add intensively to project complexity. Even when information technology enhances dramatic development in information…

Nozick’s theory of entitlement Nozick’s theory of entitlement states about the ways in which a person is entitled to his property when he owns it. Two ways in which one is allowed to a property before it is transferred from the initial owner of the property before the transfer, and thirdly, how a person can deal with the unfair transfer of property from one person to another. Using the three parts of business ethics theories, we can summarize Nozick’s theory of business entitlement as folows: that the way in which organizations are entitled to maintain business ethics, and the way in which they try to ensure that the ethical practices are being followed is vital. However, the mechanism that the businesses use to understand the unjust practices being followed in the organization can cause to unethical business practices in the organization. The strengths and weaknesses of the theory can be explained as follows: The strengths in nose theory lies in the explanation of the fact that the first two rules will be followed when there is no expectation of an…

 strategies to implement in St. Joseph hospital targeting the reduction of falls and associated injuries Falls and fall-associated injuries are a major health problem in inpatient settings in the United States. Fall-related injuries range from abrasions and minor bruises to head injuries, fractures, lacerations, and sometimes death. The Center for Medicare and Medicaid Services restrains from reimbursing services resulting from hospital-acquired conditions such as injuries from falls. Fall reduction and prevention interventions are an essential part of quality improvement. A third of falls in inpatient settings are preventable, and prevention strategies require multidisciplinary support program adoption and implementation. However, despite the years of efforts, there is a lack of concrete evidence on falls and fall-related injuries reduction. Nurses play a central role in falls and fall-related injury prevention efforts. The Agency for Healthcare Research and Quality identifies falls and fall-associated injuries as a nurse-sensitive measure. The incidence of inpatient fall varies depending on unit characteristics and individual patients. St. Joseph Hospital Orange is a healthcare provider whose patient-centered care is based on its strong Catholic-based values. The focus of this…