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Cover Art
Author Sahadeo, Christine, author.

Title Financial Literacy and Money Script : a Caribbean Perspective / by Christine Sahadeo.

Published Cham : Palgrave Macmillan US, 2018.


Location Call No. Status
Physical description 1 online resource (259 pages)
Series Springer Economics and Finance eBooks 2018 English+International
Contents Intro; Dedication; Acknowledgments; Contents; List of Figures; List of Tables; 1: A Review of Financial Literacy Initiatives in Selected Countries; Trinidad and Tobago; Launch of the National Financial Literacy Programme (NFLP); The Introduction of Financial Literacy Training at the University of the West Indies; The Collapse of Colonial Life Insurance Company Limited; How Were Groups Targeted?; Baseline Survey Conducted in 2007; Primary and Secondary Schools; Public Interventions; Jamaica; Jamaica National Building Society (JNBS); The Caribbean Institute of Media and Communication (CARIMAC).
BarbadosNew Zealand; Australia; United Kingdom (UK); Financial Literacy Training: A Global Perspective; References; 2: Attitudes and Money Scripts, Goal Setting, and Budgeting; Attitudes and Money Scripts; Attitude ₂!Behavior; Healthy Money Scripts; Unhealthy Money Scripts; Money Vigilance: Elements of Both Healthy and Unhealthy Features; Goal Setting: The Importance of Goal Setting; Setting S.M.A.R.T. Goals; Setting Goals Using Different Time Frames; Goal Setting Versus Dreaming; Compulsory Goals Versus Optional Goals; Budgeting; References; 3: Saving and Investing.
The Importance of Saving: Savings Is a Habit, Savings is a CommitmentThe Importance of Investing; A Review of Investment in Financial Instruments; Buying and Selling Stock; TTCD Statement; Account Number, Broker (Member), Date Range of Statement; Types of Transactions; TTCD Registrar Department; Types of Transactions; TTCD Registrar Requirements; Trading on the Stock Exchange; Initial Public Offering (IPO); Outperform Competitors on Key Benchmarks; Evaluate Options for Sourcing of Capital; Type of Information Needed to Make an Investment Decision; Earnings Per Share (EPS).
Price Earnings Ratio (P/E)Dividend Yield; Understanding Issues and Transactions in the Financial Sector; 4: Debt Management; Effective Management of Debt; Why Do People Borrow?; Main Types of Credit; Finance and Other Charges; Grace Period; Incentives and Rewards; What to Consider When Choosing a Credit Card?; Prevention of Credit Card Fraud; What Is a Debit Card?; Credit and Debit Card Safety Tips; 5: Planning for Retirement; Retirement Planning; Importance of Planning for Retirement; Planning for Retirement; Evaluate the Adequacy of Employer's Pension on Retirement.
Statistics Regarding Retired Persons in Trinidad and TobagoPopular Myths About Retirement; Main Sources of Retirement Income; Factors That Determine the Level of Retirement Income; What Is a Retirement Fund?; Planning and Budgeting; Retirement Benefits in Trinidad and Tobago; National Insurance Board (NIB) Retirement Benefit; Old Age Pension or Senior Citizens Grant; Free Bus Pass; Free Medical Care and Drugs; Retirement Benefits in Other Countries; Postponing or Delaying Retirement; Organizations for Retirees; Trade Unions and Retirees; Employers and Retirees; Financial Products for Retirees.
Notes 6: Risk Management.
Summary Since the financial crisis, everyone is more aware of the need to be financially literate. This book covers a wide range of topics and assures the reader that understanding of one's money script and more particularly making changes (if necessary) would result in more effective and responsible managing and handling of one's financial affairs. It is a misnomer that graduates of tertiary education are financially literate or are qualified to make financial decisions. In fact, they are particularly vulnerable in making poor financial decisions as many students do not undertake courses in financial education and they therefore have limited financial knowledge. Training in financial literacy through university-based financial education programs is one method of addressing personal finances and financial stress among students. This book presents the key components of financial education designed to address the growing concerns associated with high levels of debt, abuse of credit cards, home ownership, savings and investments, risk management, and retirement. The chapters on entrepreneurship and business planning provide a roadmap for successful new ventures. The book is an excellent resource for students, those interested in developing or enhancing their understanding of money matters and financial wellbeing, and trainers involved in financial education, counseling, and planning.-- Provided by publisher.
Other author SpringerLink issuing body.
Subject Financial literacy -- Caribbean Area.
Investment banking.
Electronic books.
ISBN 9783319770758 (electronic bk.)
3319770756 (electronic bk.)
9783319770741 (hbk.)