scholarly journals Financial literacy and retirement planning in the United States

2011 ◽  
Vol 10 (4) ◽  
pp. 509-525 ◽  
Author(s):  
ANNAMARIA LUSARDI ◽  
OLIVIA S. MITCHELL
Keyword(s):  
United States ◽  
African Americans ◽  
Old Age ◽  
Young Women ◽  
Financial Literacy ◽  
Retirement Planning ◽  
The United States ◽  
Financial Capability ◽  
Actual Performance ◽  
The Us

AbstractWe examine financial literacy in the US using the new National Financial Capability Study, wherein we demonstrate that financial literacy is particularly low among the young, women, and the less-educated. Moreover, Hispanics and African-Americans score the least well on financial literacy concepts. Interestingly, all groups rate themselves as rather well-informed about financial matters, notwithstanding their actual performance on the key literacy questions. Finally, we show that people who score higher on the financial literacy questions are much more likely to plan for retirement, which is likely to leave them better positioned for old age. Our results will inform those seeking to target financial literacy programmes to those in most need.

A White Man’s War?

2020 ◽  
pp. 39-68
Author(s):  
Brian Taylor
Keyword(s):  
United States ◽  
Civil War ◽  
African Americans ◽  
Black Men ◽  
The United States ◽  
Us Army ◽  
Us Military ◽  
The Us ◽  
Founding Principle ◽  
Proper Response

This chapter looks at the first two years of the Civil War, when black men were barred from serving in the US Army. It follows the debate that black Northerners conducted about the proper response to the call to serve in the US military, which they were sure would come at some point. Immediate enlistment advocates sparred with those who counseled withholding enlistment until African Americans’ demands had been met. Black Northerners began to articulate the terms under which they would serve the Union, among which citizenship emerged as central, as well as the changes necessary to bring lived reality in the United States in line with the founding principle of equality.

Orthopaedic Surgery Resident Financial Literacy: An Assessment of Knowledge in Debt, Investment, and Retirement Savings

2019 ◽  
Vol 85 (4) ◽  
pp. 353-358 ◽  
Author(s):  
John D. Jennings ◽  
Courtney Quinn ◽  
Justin A. Ly ◽  
Saqib Rehman
Keyword(s):  
United States ◽  
Orthopedic Surgery ◽  
Financial Literacy ◽  
Financial Education ◽  
Retirement Planning ◽  
The United States ◽  
Financial Knowledge ◽  
Retirement Savings ◽  
Willingness To Participate ◽  
Formal Curriculum

Most orthopedic residents carry significant debt and may enter their practice with little knowledge of business management, minimal retirement savings, and overall poor financial literacy. This study aimed to gauge financial literacy, debt, and retirement planning in United States orthopedic surgery residents. Willingness to participate in formalized financial education was also assessed. Eighty-five allopathic orthopedic surgery residents in the United States completed a 14-question anonymous online survey in 2016. The survey assessed demographic data, self-assessed financial knowledge, amount of credit card debt and loans, preparation for retirement, and willingness to participate in formal didactic education on these topics. Most respondents derive their financial knowledge from personal research (51%), whereas only 4 per cent have a formal curriculum. Despite most respondents reporting more than $200,000 in outstanding loans, only 31 per cent create and stick to a budget. Few programs offer retirement advice, and 48 per cent of respondents save $0 toward retirement. Eighty-five per cent of residents expressed interest in learning about personal investment, savings, and retirement planning. Orthopedic surgery residents carry significant debt and do not achieve their high-income potential until disproportionately later in life. Only 4 per cent of residents have formal training in investing, personal finance, or retirement despite a majority who desire such a curriculum. In fact, almost 75 per cent of those surveyed felt less prepared for retirement than their peers outside of medical training. This study suggests a role for formal financial education in the orthopedic curriculum to prepare residents for retirement, improve financial literacy, and enhance debt management.

scholarly journals NEGOTIATING VIRTUE AND REALPOLITIK IN ISLAMIC GOOD GOVERNANCE

2020 ◽  
Author(s):  
Asma Afsaruddin
Keyword(s):  
United States ◽  
African Americans ◽  
Good Governance ◽  
The United States ◽  
Nation State ◽  
The Us ◽  
The World ◽  
Us Constitution ◽  
Democratic Nation

These words of John Lewis represent a scathing criticism of the contemporary failures of the United States, the oldest and possibly most vibrant democratic nation-state in the world. The words also express a deep disappointment that the principles of equality and justice enshrined in the US constitution have been honored more in the breach when they pertain to African-Americans, many of whose ancestors arrived on these shores long before those of their Euro-American compatriots.

Introduction

2018 ◽  
Author(s):  
Tim Watson
Keyword(s):  
United States ◽  
Twentieth Century ◽  
African Americans ◽  
Everyday Life ◽  
The United States ◽  
Us South ◽  
The Us ◽  
Observation Program ◽  
The 1950S

The introduction summarizes the process of decolonization in the British and French Empires and the role of the United States. Anthropology became a more professionalized discipline, raising the barriers to interdisciplinary conversations between anthropologists and other intellectuals and making it less desirable for colonial intellectuals to choose anthropology, as a significant number had done earlier in the twentieth century. Nevertheless, exchanges continued between literature and anthropology. I argue that the literary-anthropological dynamics of the 1950s and 1960s were prefigured by three examples in the 1930s and 1940s: Zora Neale Hurston’s fieldwork among African Americans in the US South, Michel Leiris’s account of Marcel Griaule’s 1930s anthropological expedition from Dakar to Djibouti, and the establishment of the Mass-Observation program to document British everyday life. The introduction analyzes Claude Lévi-Strauss’s Tristes tropiques as a key text in the flourishing of a new literary anthropology in the 1950s.

scholarly journals Young Women In The United States Increasingly Underestimate Their Weight, and Young Women In Korea Overestimate It

2021 ◽  
Author(s):  
Yoon-Sook Kim ◽  
Jin Kook Kim ◽  
Jae Hoon Cho
Keyword(s):  
United States ◽  
Body Image ◽  
Young Women ◽  
The United States ◽  
Normal Weight ◽  
Image Perception ◽  
Body Image Perception ◽  
The Us ◽  
Normal Body Weight ◽  
Using Data

Abstract The purpose of this study was to investigate the differences in body image perception between young women in the United States and Korea. The study was conducted using data from young women aged between 20 and 40 who participated in the National Health and Nutrition Examination Survey (1999–2018) of the US and Korea. "Overweight" body image perception with normal body weight was considered underestimation. Overweight or obesity with a "normal weight" or "underweight" body image perception is considered as overestimating. The percentage of young women who were overweight or obese was about 60% in the US and about 20% in Korea. Twenty years ago, the percentage of young women who overestimated their weight in the US was 30.3%, before steadily declining. In Korea, it was 25.8% before rising to more than 41.9% in 2008. Of the overweight women, 32.6% in the US and 15.7% in Korea underestimated their weight 20 years ago, but since then, the percentage has gradually increased in the US and declined in Korea. Body image perception differed according to marital status and race. In conclusion, young women in the US tend to underestimate their weight while in Korea they tend to overestimate it.

The New Politics of Old Age Policy

2007 ◽  
Vol 40 (2) ◽  
pp. 530-531
Author(s):  
Patrik Marier
Keyword(s):  
United States ◽  
Old Age ◽  
Population Aging ◽  
Occupational Status ◽  
The United States ◽  
Health Policies ◽  
Science Literature ◽  
New Politics ◽  
The Us ◽  
The Welfare State

The New Politics of Old Age Policy, Robert H. Hudson, ed., Baltimore: John Hopkins University Press, 2005, pp. 309.The New Politics of Old Age Policy presents a collection of essays devoted to the policy and political challenges related to population aging in the United States. This book will be of particular interest for those seeking analyses of Social Security and health policies (especially Medicare and Medicaid). With the exception of a few texts, most contributions are rooted within the discipline of sociology, focusing on how current policies and reform proposals accentuate (or decrease) traditional cleavages based on gender, race and occupational status. With few references made to current debates surrounding the “new” politics of the welfare state, the engagement with the political science literature is quite limited. Unfortunately, most chapters do not seek to engage in debates outside the US borders, limiting this book's appeal in Canada (the chapters written by Myles and Teles are noticeable exceptions). Nonetheless, this book represents a good text for an upper undergraduate and/or graduate comparative course on old age policy for those seeking to study the United States.

Modest US reparations moves may come

2019 ◽  
Keyword(s):  
United States ◽  
African Americans ◽  
Democratic Party ◽  
Social Equity ◽  
The United States ◽  
Content Type ◽  
Progressive Politics ◽  
Presidential Nomination ◽  
The Us

Subject The US reparations debate. Significance In recent weeks, virtually all the leading candidates for the Democratic Party’s 2020 presidential nomination have declared support for legislation that would create a commission to explore the payment of reparations for the descendants of slaves in the United States. The question of reparations will be prominent in the Democratic Party primaries, bringing a formerly fringe issue to the centre of progressive politics. Impacts The Democratic platform will likely include a commitment to establish an exploratory committee on reparations. Some Democratic candidates will formulate, and commit to, specific reparative policies. Most if not all Democratic candidates will commit to policies seeking social equity for African-Americans.

Decision Time

2020 ◽  
pp. 69-100
Author(s):  
Brian Taylor
Keyword(s):  
United States ◽  
African Americans ◽  
Black Men ◽  
Large Scale ◽  
Attorney General ◽  
Late Summer ◽  
The United States ◽  
Frederick Douglass ◽  
Decision Time ◽  
The Us

This chapter covers the months when US officials first authorized black enlistment on a large scale. This forced black men to decide whether they wanted to fight for the United States, and immediate-enlistment advocates had to combat fierce resistance from those who argued that the US had not yet done enough to convince black men to enlist. Prominent black Northerners like Frederick Douglass became government recruiters, and they explained why it made sense for black men to fight for the United States. This chapter covers the factors that black men had to consider when they decided whether or not to enlist, the reasons why the debate over service faded in late summer of 1863, and the reasons why African Americans saw in the Civil War a chance to “re-found” the United States. This chapter also pays attention to the importance of the opinion on black citizenship issued in late 1862 by Attorney General Edward Bates.

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