Purpose: Set within the context of International Financial Services (IFS), this research aims to considers the demographic profile of IFS apprenticeship candidates in relation to gender equality and social mobility in Ireland. This study also offers valuable insights as to the gendered nature of these "new" apprenticeships and examine…

Evidence of confusion in intermediate accounting textbooks regarding the annual percentage rate (APR) and annual effective rate (AER) is presented. The APR and AER are briefly discussed in the context of a note payable and correct formulas for computing each is provided. Representative examples of the types of confusion that we found is presented…

The final topic in a series looking at financial management from a theoretical perspective, working capital management provides the focus of the current article. We investigate how three key axioms--the risk-return tradeoff, agency conflicts, and stockholder wealth maximization--relate to this activity that occupies much of the financial manager's…

The aim of this review of selected literature on research into mathematics in the workplace is to offer researchers from the field of adult mathematics education an opportunity to become more familiar with this specialised area. In recent years much progress has been made, building on earlier research, but with increasingly nuanced understandings.…

Several factors contribute to a disproportionately lower Latino participation in college education. Foremost among those factors are policies that encourage quick job placement over career development, lack of understanding of the benefits of a college degree, lower expectations for Latino students, poor financial planning, and lack of guidance. A…

Continuing this series on the theory of financial management, the current article investigates capital structure, offering insight into the roles of stockholder wealth maximization, the risk-return tradeoff, and agency conflicts. Much literature addresses this topic, and some of the most recent literature challenges certain theoretical…

Student support consists not only of direct financial support, but also of educational provisions that are free of charge or subsidized by the state and local authorities. These provisions include formal education, as schools for young people and adults as well as higher education, and non-formal education, such as study circles and folk high…

Creative ideas recently emerging to help families cope with rising educational costs are reviewed, including state and federal level savings plans, alternative loan programs, guaranteed access plans, and public service proposals. (Author/MSE)

Drawing on research regarding a midwestern credit union, factors characterizing why and how credit unions and their members use credit union documents are discussed in regard to: characteristics of document availability; structure of interactions in which documents are used; attitudes and beliefs about the documents; and functions of documents.…

Discusses author's observations of poverty-related problems within rural Sri Lankan schools. Juxtaposes literature on Third World education problems at national, district, school, and individual levels. Concludes high educational expectations in developing world are tightly constrained by poverty, negative attitudes, and weaknesses of systems.…

This background paper on institutional lending examines institutional lender policy in the Stafford Student Loan Program, the study of which was mandated in the 1986 reauthorization of the Higher Education Act. The paper's particular purpose, however, is to familiarize the reader with the general operation of programs and the historical…

In the United Kingdom, the increasing sophistication of money management and financial services' increasing reliance on information and computer technology (ICT) have made financial literacy education particularly important for older people, who are less likely to be engaged in the ICT revolution and more likely to be living on a low income.…

Canadian financial services organizations, and retail banking in particular, are changing rapidly due to the spiraling costs of labor, the influence of computers, and global competition. These changes are especially affecting bank tellers, who will need new skills to adapt to the changing workplace. To develop a timely and relevant training…

More than $25 billion in financial aid in 1988 is awarded annually to students attending postsecondary education. The aid covers about the same percentage of college costs that it did in 1970, but the impact of veterans' education benefits and social security benefits is no longer significant, and loans now make up one-half the total aid, having…

This research brief reviews the literature concerning recent trends in the service-producing sector of the economy and to speculate on the implications for higher education. An opening section offers highlights noting key facts and statistics and a general profile of service-producing industries. The first of three sections describes some of the…