Women and Financial Education Evidence, Policy Responses and Guidance: Evidence, Policy Responses and Guidance

OECD Publishing
Free sample

Gender equality in terms of economic and financial opportunities is becoming increasingly relevant at both national and international level. The need to address the financial literacy of women and girls as a way to improve their financial empowerment, opportunities, and well-being has been acknowledged by the G20 Leader’s Declaration in June 2012, as well as part of a wider horizontal OECD project on gender equality. The OECD International Network on Financial Education (INFE) established a dedicated workstream in 2010 to address the needs of women for financial education under the support of the Russia/World Bank/OECD Trust Fund for financial literacy and education.

This book collects the work carried out within this workstream, including policy guidance to help policy makers address women's and girls' needs for financial education, and a comprehensive analysis of the current status of knowledge on gender differences in financial literacy and policy responses in terms of financial education for women and girls.

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Additional Information

Publisher
OECD Publishing
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Published on
Oct 16, 2013
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Pages
100
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ISBN
9789264202733
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Best For
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Language
English
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Content Protection
This content is DRM protected.
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Eligible for Family Library

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Now widely available, the popular, award-winning, self-published guide to help women get out of debt, rebuild their credit, and fulfill their financial dreams.

Patrice Washington rationalized her excessive spending. “I work hard, I deserve this.” “I bought it on sale.” But at twenty-two, the recent college graduate was $18,000 in debt and sinking fast. It was time to take control. Patrice educated herself about finance, adopted a new attitude toward money, and most importantly, adjusted her spending habits. By twenty-five she was debt free—and used the wisdom she gained to start her own successful real estate and mortgage brokerage—and by twenty-nine started her own financial counseling business.

Patrice’s former bad spending habits aren’t unique, and women find themselves in financial hot water for a host of reasons. Women earn less than men and have to stretch those hard-earned dollars further. They contribute more to caregiving and aging parents, live longer, and many—including most African American women—are choosing to stay single.

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Are you a Hammer, a Bundy, a Ford, a Rockefeller, or a Buffett? Hammer blew through a net worth of nearly $30 million in less than ten years and filed for bankruptcy. He has a horrible relationship with money and although he seems to do well to get it, he almost seems to repel it once he gets it so that he HAS nothing. A Bundy lives paycheck-to-paycheck and will never be able to retire. Money is intimidating to him and he doesn't even think about his financial situation other than whether or not he will have enough to pay the bills each month. Ford counted and saved every penny and couldn't enjoy nice things because he was too worried about how much they cost. He never bought a new pair of socks, much less any other luxury. A Rockefeller has a healthy relationship with money. He is able to meet his goals and then feel good about spending the rest of his money without guilt. It takes a conscious effort to change one's money behaviors and make better decisions with money in order to become a Rockefeller. A Buffett is born with money and simply does not face the same daily financial struggle as everyone else. He may make the same mistakes as a Hammer, Bundy, or Ford, but he can afford to make those mistakes. If you give a Hammer a million dollars, he'll spend two million and file for bankruptcy. If you give a Bundy a million dollars, he'll spend a million dollars. A Ford will save that million dollars so that he'll HAVE a million dollars while a Rockefeller will turn that million into two million. A Buffett will take the million without so much as a thank you and he'll complain about the taxes he has to pay on it. I have worked with literally thousands of individual financial situations and in my experience, there is one thing that has stood out...there is not one person that is happy with his or her financial situation; not ONE! Why? In a nutshell, everyone behaves badly with money! No one WANTS to be a Hammer or a Bundy, but when it comes to money, you just BEHAVE badly on a subconscious level. Fortunately, you don't have to BE a Rockefeller, you simply have to ACT like a Rockefeller and the end result will be the same... financial success!
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Finally, the friendly comprehensive reference tool every woman is looking for has arrived. Find answers to all of your personal finance questions, from the simple (What’s a good credit score?) to the complex (What are my options in retirement planning?). This book’s question and answer format means you don’t have to waste time reading every word cover to cover. Biblical references offer proven wisdom from God, and Carolyn Castleberry’s practical guidance is easy to implement. Success is simply turning obstacles into opportunities. And that begins with obtaining information that, thanks to this book, is clear, easy to find, and non-intimidating.

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Whether you are looking for freedom to make new career choices, seeking financial security and peace of mind, or you’re on the lookout for the next solid investment, Women, Get Answers About Your Money harnesses timely, unique information to empower your life.


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