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US teens low on financial literacy

first_imgby: Christina PontissoEileen Holley of Money Mix, explains that when it comes to knowing and understanding finances, USA teens are far behind compared to international teens.PBS NewsHour conducted a study to see how teens from different countries would score in a financial literacy assessment test. The test featured 29,000 15 year olds from 18 different countries or economies. Unfortunately, teens from Americas scored well below the average while teens from China achieved top honors.So how do we explain that despite living in the most developed country in the world Americans teens have a poor financial understanding? One answer stems from the lack of financial education within the home. Most parents don’t have the time, ability, etc. to educate their children about the money management which is why schools need to play a major role.“The Huffington Post reported on another study on financial literacy—this time with college students. This survey of more than 65,000 first-year college students in the U.S. found that students who had received financial literacy education in high school scored significantly higher than their peers on questions related to financial knowledge. It was also found that they practiced this knowledge and were more financially responsible and cautious with their money.” continue reading » 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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The Germans replaced the Americans in luxury accommodation

first_imgHalf of the participants in the Croatian Chamber of Commerce survey recorded a shortening of the number of overnight stays since the beginning of the corona crisis, while a smaller number recorded an increase or equal duration of guests’ stay. Most of the respondents introduced benefits and additional facilities in the form of discounts, and to a lesser extent the offer of gastronomic packages, boat tours and sports facilities. All emphasize the need to intensify marketing activities in traditionally strong markets that are currently in decline, but also in all markets from which it is possible to visit Croatia by car.  Like everything in this year’s tourism, there have been significant changes in the luxury hotel segment. A survey conducted among members of the Group of Unique Luxury Hotels of the Croatian Chamber of Commerce showed that the structure of guests in this segment of tourism has changed significantly. Among the respondents, online advertising dominates in attracting guests, whether it is social networks, Google advertising or Booking.com, and to a lesser extent fairs. “We continue with strong marketing activities in the US, Canada, Mexico and Brazil because once lost markets are harder to regain than to gain new ones. Therefore, I appeal to the system of tourist boards not to redirect marketing funds intended for promotion in overseas markets. On the contrary, we need to think about the future, because all this will pass one day, and we must be ready for it”, Concludes Milinović.  Nenad Nizić: Our goal is to position ourselves on the international market through top service Hotel Meneghetti Modern consumers of luxury today want unique experiences and destinations that provide authentic and rich nature, culture and history. It is precisely the unique experiences of the backbone and the differentiation of the brand Stories, Croatian Unique Hotels – a common hotel brand of the Group of Unique Luxury Hotels at the Croatian Chamber of Commerce, which was presented at the beginning of 2017. The Germans replaced the Americans in luxury accommodation “Our goal is to position ourselves on the international market through top service, unique offer and a special gourmet experience. The crisis we are all going through shows new trends, but reaffirms that the product is the most important and after this crisis our guests will be even more looking for small hotels with the most authentic and personal experience, on which Stories hotels base and develop their offer”, He emphasized Nenad Nizic, President of the Group of Unique Luxury Hotels of the Croatian Chamber of Commerce Tomislav Milinović, the director of the Calvados Club travel agency also notices a change in emitting markets. “Otherwise, our main markets are the USA, Canada, Brazil, the United Kingdom, Mexico and Australia. Other markets are below 5 percent of total turnover, and the EU market is negligible for us. However, agencies and clients from the European market, mostly from Germany and Scandinavia, are now contacting us. However, they are really only looking for luxury accommodation like villas, apartments in a luxury hotel or yacht”, Explained Milinović. You can find out more about the whole project as well as the list of hotels included in the project “Stories, Croatian Unique Hotels” at www.storiescroatia.com “We have undertaken a number of additional marketing campaigns in collaboration with long-standing partners, agencies, DMCs, the media and on social media, and the results are tangible. Booking has become exclusively short-term and therefore very unpredictable, but it is much more intense than we expected. There are obvious oscillations that show a strong and immediate reaction of guests to any change in the situation in Croatia or surrounding countries. The influence of the media or policy changes of individual governments change the picture from day to day”, Said Jurić. “Currently, most of our guests come from the German-speaking area and from Croatia, and there is a noticeable increase in arrivals from Ukraine, Hungary, Poland, the Czech Republic, etc. Most of them are guests who come by car, and a number come by plane. , often on a private flight. Our experiences with them are extremely positive and in most cases they are guests who visited us for the first time, looking for an alternative to long haul destinations they otherwise visited. Interestingly, many have noticed how much easier it is to choose a closer destination, and many of them have announced a revisit, given that we have met their expectations in terms of a high degree of privacy, quality of accommodation and services.”, She pointed out Sandra Jurić, sales and marketing director at the Meneghetti Hotel, which is a member of the Stories group, Croatian Unique Hotels.  Cover photo: San Rocco – Boutique Hotel When it comes to advertising on social networks, the markets of greatest interest to all are the United Kingdom, Austria and Germany, followed by Slovenia and other European countries. Before the advent of coronavirus, the US was the priority market for most respondents, and now it is Germany. It is interesting that we are increasingly visited by guests who before the pandemic spent their annual at exotic long haul destinations such as the Bahamas and the Seychelles, and that a large number of them have announced a return visit to Croatia.  By the way, HGK through the brand Stories, Croatian Unique Hotels promotes small luxury hotels that are associated with the Group of unique luxury hotels HGK. last_img read more

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Republic of Ireland defender Richard Keogh ready for Edin Dzeko battle

first_img With central defender John O’Shea both suspended and injured for the first leg of the play-off in Zenica on Friday evening, there is at least one place up for grabs in Martin O’Neill’s rearguard with Keogh, Marc Wilson and Ciaran Clark seemingly battling it out for the starting berths. But if the 29-year-old Derby man gets the nod, he insists he will look forward to the task of keeping the Manchester City frontman, currently on loan at Roma, at bay. Asked to assess the threat posed by Dzeko, Keogh said: “He’s got a bit of everything. “He’s tall and he’s deceptively quick, he’s got a nice touch – his all-round game is something that you have to watch out for. He’s one of those where you think he is probably going to head it, but he jumps up and brings it down on his chest. “It’s little things like that you have got to be aware of. He tries to link the play, so he is a player that is a big threat for them. “But as a team we will do our homework on them and not just him, the team in general. But I am ready to play and I want to play against the best players. He’s certainly up there, so it would be a great challenge.” However, Keogh and his team-mates are well aware that Dzeko is not Bosnia’s only threat, with Roma team-mate Miralem Pjanic a dead-ball specialist who could hurt them in a variety of situations. Keogh said: “Not giving away cheap free-kicks would be helpful. When you have got players who have quality from set-plays it obviously is a danger, so we have to not give away any cheap free-kicks and give them an opportunity to score or to put it into our box.” O’Neill’s men head for Zenica boosted by last month’s qualifier victory over world champions Germany and confident they have what it takes to make it to France next summer. Keogh said: “When you beat such a quality team as Germany it does give you confidence that you can compete with the best countries in the world, so going into a big game we can draw a lot of confidence from that.” Press Associationcenter_img Richard Keogh is relishing the chance to do battle with Bosnia-Herzegovina striker Edin Dzeko as the Republic of Ireland set their sights on the Euro 2016 finals. last_img read more

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Audit tests USC sustainability

first_imgIn an effort to increase environmental awareness on campus and promote behavioral change within the community, students in the class “Spatial Sciences Practicum” led a Green Room Certification Sustainability Audit on Tuesday at the Spatial Sciences Collaborative Classroom in the Allan Hancock Foundation Building.The class’ professor Darren Ruddell said that the event, which was held in honor of Earth Day, was organized and spearheaded by the students in the class.“It’s all student-generated,” Ruddell said. “I’m just more of a facilitator.”The aim of the audit was to obtain more information about sustainability practices throughout the campus, according to Monty Hasan, a junior majoring in geodesign.“We’d like to learn which departments on campus are doing a better job of being sustainable, [as well as] which departments need better awareness of their current practices,” Hasan said.He added that with this data, the community can work towards finding alternative, more sustainable practices in order to create less of an impact on campus energy and water use, among others.“The plan is [to] compare the department’s first, and then from there, in the future, give them some recommendations about how they can improve their practices,” Hasan said.After a few minutes of discussion, the students split up and began their investigations of different buildings on campus, such as the campus bookstore, EVK, Ground Zero and Verna and Peter Dauterive Hall.According to Griffin Kantz, a junior majoring in policy, planning and development, the sustainability of some buildings, specifically Ground Zero Performance Café, was remarkably high.“I didn’t expect anyone to get 100 percent or close to 100, since these categories are very high-end green strategies like [having] all CFL lightbulbs, or the water refilling stations instead of water fountains,” Kantz said. “I was surprised that some of us got pretty high, [nearly] 80 percent.”At the same time, however, Kantz said he was also surprised by the inefficiency of some buildings that were expected to be more sustainable.“One of the surprising things was this particular building, Ralph and Goldie Lewis Hall, actually underwent a project called the Smart Group Project in the early 2000s, where the whole electrical grid and their building occupant use patterns were observed to really minimize energy consumption and the water waste,” Kantz said. “But it only got around 60 percent on the survey.”In the case of buildings like these, Kantz said there may be technology that has been developed over the past 10 years that may be more efficient. At the same time, he added that the problem may instead lie with the categories and standards themselves.“This project was actually award winning,” Kantz said. “The chief architect on it actually got an award for top 15 projects in an architecture magazine, so I was really surprised that it got only 60 percent.”With the information gained from this audit, Ruddell hopes his students will learn to apply and identify sustainable practices not only on campus, but also in their personal lives.“I hope they can learn some new things about being sustainable, not just where they go to school and spend their waking hours, but also [bring] it home, practice it at home, share it with roommates and family [and promote] more sustainable practices,” Ruddell said.For Hasan, it is important that the community will begin to understand exactly what goes into becoming more sustainable through the results of the audit.“You need to constantly reach out and involve the whole community,” Hasan said. “It’s not just a one-person thing, it’s a group effort. It’s really about spreading education and awareness.”last_img read more

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Masters leaderboard 2019: Live golf scores, results from Sunday’s Round 4 play

first_imgMORE: Watch the Masters live and on demand with fuboTV (7-day free trial)Woods, ranked 12th in the world, last slipped on a green jacket 14 years ago and has been trying unsuccessfully to win a 15th major since 2008, his last. He’s played in five PGA events this season, failing to finish better than a tie for 10th (WGC-Mexico Championship). Woods’ 2018 Masters, his first time in the field after two years off, was a mixed bag (t-32), so there’s plenty of room for improvement. He’ll remain a betting favorite if by name only.Patrick Reed, the 2018 champion, would become only the fourth player in history to repeat as Masters winner. Rory McIlroy and Justin Rose, the two odds-on tournament favorites, have never won a green jacket. Rose (14/1) has finished as runner-up twice and enters with a fresh world No. 1 ranking, while McIlroy (8/1) won The Players Championship earlier this season and has finished in the top 10 at Augusta each of the last five years.Of course, the Masters field is more exclusive and grueling than any other tournament in golf. Lesser players have a tendency to rise to the occasion, upsetting the order.Follow Tiger’s score and the rest of the field below with our live Masters leaderboard. You can also check out our “Tiger Tracker” for highlights from Woods’ first round. TIGER TRACKER: Best moments from Tiger Woods’ Masters victoryMasters leaderboard: Live scores from Round 4LeaderboardMasters Tournament10 – 13 April 2019Pos.Player NameNationalityScoreRound 1Round 2Round 3Round 4Total1Tiger WoodsUSA-13706867702752Dustin JohnsonUSA-12687070682762Brooks KoepkaUSA-12667169702762Xander SchauffeleUSA-12736570682765Tony FinauUSA-11717064722775Francesco MolinariItaly-11706766742775Webb SimpsonUSA-11727164702775Jason DayAustralia-11706773672779Rickie FowlerUSA-10707168692789Patrick CantlayUSA-10737364682789Jon RahmSpain-106970716827812Justin ThomasUSA-87368697028012Justin HardingSouth Africa-86969707228012Ian PoulterEngland-86871687328012Matt KucharUSA-87169687228012Bubba WatsonUSA-87272676928017Aaron WiseUSA-77571686728118Adam ScottAustralia-66968727328218Phil MickelsonUSA-66773707228218Patton KizzireUSA-67070736928221Matthew FitzpatrickEngland-57867687028321Thorbjørn OlesenDenmark-57171687328321Rory McIlroyNorthern Ireland-57371716828321Si Woo KimSouth Korea-57272706928321Jordan SpiethUSA-57568697128321Kyle StanleyUSA-57272706928321Kevin KisnerUSA-56973726928321Lucas BjerregaardDenmark-57072697228329Louis OosthuizenSouth Africa-47166717628429Charley HoffmanUSA-47171727028429Bryson DeChambeauUSA-46675737028432Hideki MatsuyamaJapan-37570687228532Viktor HovlandNorway-37271717128532Gary WoodlandUSA-37071747028532Charles Howell IIIUSA-37367766928536Kevin TwayUSA-27271707328636Jimmy WalkerUSA-27272727028636Patrick ReedUSA-27370746928636Alvaro OrtizMexico-27371736928636Rafa Cabrera BelloSpain-27370756828636Henrik StensonSweden-27472677328636Tommy FleetwoodEngland-27171707428643Keegan BradleyUSA-17668717228743HaoTong LiChina-17274736828743Keith MitchellUSA-17274726928746Andrew LandryUSAPar7273737028846Kevin NaUSAPar7173737128846Corey ConnersCanadaPar7071717628849Kiradech AphibarnratThailand+16972757328949Marc LeishmanAustralia+17272707528951Martin KaymerGermany+27374727129051Eddie PepperellEngland+27473727129051Trevor ImmelmanSouth Africa+27472756929051Cameron SmithAustralia+27074697729055Devon BlingUSA+37473717329156Tyrrell HattonEngland+47373727429256Billy HorschelUSA+47275747129258Branden GraceSouth Africa+57275727429358Zach JohnsonUSA+57473737329358Takumi KanayaJapan+57374687829361Satoshi KodairaJapan+67570737629462J.B. HolmesUSA+87072748029662Alex NorenSweden+87572757429662Bernhard LangerGermany+87172757829662Emiliano GrilloArgentina+872757376296Click here or refresh if you can’t view the leaderboard. The Masters, golf’s first major on the 2019 schedule and its most prestigious, begins in earnest the PGA Tour season, creating an opportunity for some of the sport’s slow-starting stars to correct course. And so far this year, a great many could use a reset.Chief among them is Tiger Woods, who returns to Augusta National in pursuit of a fifth Masters championship.last_img read more

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