How are teacher pension benefits funded? Under traditional plans, the full cost of career teachers' benefits far exceeds the contributions designated for them. The gap between the two has three pieces, which may (with some license) be mnemonically tagged the three R's of pension funding: "redistribution," "return," and…

The study aims to determine the socio-demographic and debt profile of the public-school teachers in the Schools Division of Aklan, Philippines, their reasons on acquiring debt and perceived ways to avoid debts. This study utilized descriptive correlational research design utilizing a researcher-made instrument on socio-demographic profile, pattern…

An increasing number of individuals will be unable to retire comfortably amidst an international retirement savings crisis. Research suggests that behavioral factors contribute to inadequate retirement savings. We present a procedure that reframes the retirement savings decision, aimed at alleviating some of the negative effects of the behavioral…

This paper reports the findings of a survey administered to a large academic university student population, assessing students' self-reported motivations, difficulties, and methods used in finding and using financial information. Results discussed include information types and sources students consult for financial information. The survey also…

The purpose of the study was to assess the level of education that public accounting graduates in Veracruz, Mexico have regarding financial topics. Financial education has become an essential skill in people's lives as a result of the evolution of financial markets. It is logical to think that for graduated in the area of accounting it is…

The aim of this empirical study is to explain how students of a "Telebachillerato" in Veracruz, Mexico perceive financial variables like income, money management, savings, investment, spending and credit. "Telebachilleratos" are high schools for rural communities in Mexico assisted by educational audiovisual support and two or…

This paper examines the savings behavior of public school teachers who are enrolled in a hybrid pension plan that includes a defined contribution (DC) component. Few states have incorporated DC features into teacher pension systems and little is known about how providing teachers with greater control over deferred compensation might affect their…

This paper aims at highlighting and interpreting current empirical facets of the Greek educational pathogeny through a sociological approach. Especially, the paper tries to investigate the relationship between education and employment in modern Greece based on the annual statistical report of KANEP/GSEE, choosing both selected facets and…

With rising personal and public debt, public and private employers increasingly shifting financial responsibility to individuals, and an increase in both the number of financial investment options and predatory lending practices, today's students need to be financially literate. This paper defines financial literacy and justifies its place in the…

A large number of new community college presidents will be hired in the next 5 years due to vacancies. New leaders must be prepared to lead their institutions through the challenges facing community colleges. Forty-one community college presidents in North Carolina participated in our research (70.7% response rate). We found that community college…

In this article, the authors describe how a teacher (Carrie Hamilton) can scaffold and connect social studies concepts to a variety of students' experiences in meaningful ways. They draw on findings from Laura J. Quaynor's study about social studies education for immigrant students who are also refugees. Together, they discuss effective pedagogic…

Without any doubt happiness among staff in any organization is pertinent to ensure continued growth and development. However, not many studies were carried out to determine the domains that will be able to measure the level of happiness among staff in universities. Thus, the aim of this study is to elicit the domains that explain the overall…

Under the current economic environment and its high levels of unemployment, many people are turning to university education to attain higher education or simply to upgrade their skills and avoid continued unemployment. This paper examines student workloads, debt levels, and the debt perceptions of junior- and senior-level College of Business…

A reporter returned to his undergraduate institution, the University of Pennsylvania, to learn why tuition has risen so much in recent decades, and how the university spends the income. The complexity of administering the university enterprise is highlighted, and some perceived inequities are identified. Topics discussed include endowment funds,…

The current cost structure of higher education, comprised of multiple controllable and uncontrollable costs, is analyzed and promising opportunities to reduce costs are explored. Some innovative strategies that have saved substantial sums for the institutions implementing them are highlighted. (MSE)