The Impact of Personal Finance Education Delivered in High School and College Courses

This study investigates the impact of personal finance education delivered in high school and college. Outcomes of interest were investment knowledge and household savings rates measured years after the financial education was delivered. A web-based survey with questions about participation in financial education, financial experiences, income and inheritances, and demographic characteristics was administered to 1,039 alumni from a large midwestern university. Participation in a college level personal finance course was associated with higher levels of investment knowledge. Experience with financial instruments appeared to explain more of the variance in both investment knowledge and savings rates. No significant relationship between taking a high school course and investment knowledge was found. Financial experiences were found to be positively associated with savings rates.

浅谈如何做好燃气安全监管工作

随着市场经济的不断推进,行业垄断的格局被逐渐打破,多元化的经济成分融人,给燃气市场的发展带来了新的活力,同时也促进了社会各行业的经济发展,使人们的生产、生活质量得到很大提高.     

高校图书馆与新时期信息素质教育

信息是当今社会最重要的资源之一,人们对信息的需求正呈现出多层次、多样化的形式。在新的信息环境下,高校图书馆应与时俱进地积极转变观念,拓展教学内容,规范相关要求,在信息素质教育中作出突出的贡献。     

Graphical representation of survival curves in the presence of time-dependent categorical covariates with application to liver transplantation

Graphical representation of survival curves is often used to illustrate associations between exposures and time-to-event outcomes. However, when exposures are time-dependent, calculation of survival probabilities is not straightforward. Our aim was to develop a method to estimate time-dependent survival probabilities and represent them graphically. Cox models with time-dependent indicators to represent state changes were fitted, and survival probabilities were plotted using pre-specified times of state changes. Time-varying hazard ratios for the state change were also explored. The method was applied to data from the Adult-to-Adult Living Donor Liver Transplantation Cohort Study (A2ALL). Survival curves showing a ‘split’ at a pre-specified time t allow for the qualitative comparison of survival probabilities between patients with similar baseline covariates who do and do not experience a state change at time t. Time since state change interactions can be visually represented to reflect changing hazard ratios over time. A2ALL study results showed differences in survival probabilities among those who did not receive a transplant, received a living donor transplant, and received a deceased donor transplant. These graphical representations of survival curves with time-dependent indicators improve upon previous methods and allow for clinically meaningful interpretation.     

Before Nonprofit Organisations Become Social Enterprises

VOLUNTAS: International Journal of Voluntary and Nonprofit Organizations - In the context of weak global economic growth, the transformation of nonprofit organisations (NPOs) into social...     

游戏网站交互设计评述

游戏网站的设计应关注不同游戏生存周期及不同类型的玩家对网站的要求,在网站布局构架的技术选择上,有单以FLASH技术或HTML/CSS技术为主的,也有组合使用FLASH技术和HTML/CSS技术的。当前,游戏网站设计的流行趋势是采用FLASH互动体验方式,使用游戏中的视觉图形,设置以视频短片为主题的主页,建立游戏开发者的博客与播客等。如今游戏产业网站的设计优、劣势并存,视觉震撼强烈的导航菜单在提高游戏知名度的同时,也带来了成本高、视觉压力大等问题,应引起设计者和开发商的关注。     

我国农业政策如何取向:例证美农业法案调整

美国2014年农业法案提高补贴效能,注重因地制宜;调控手段更加市场化,有望避免贸易争端;突出了农业保险作用,注重农业风险管理;强化了中长期农业支持,全面提升农业竞争力;更注重政策公平性,充分体现民生取向。该法案启示我们:政策制定重法治、政策取向市场化、风险管理多层次、支持发展可持续等是农业政策的基本演变趋势。我国应加快农业发展规划和立法,加大农业支持力度,改革农业政策手段,减少对市场扭曲,完善农业保险,强化农业风险管理,调整农业政策目标,促进农业可持续发展。     

外商直接投资对我国技术溢出效应的分析

改革开放以来中国在利用FDI方面发展迅速,2002年中国以527亿美元的引资数额超过美国列世界首位,中国已经成为世界最大的引进FDI国家之一。目前,世界500强企业中,已经有超过450家进入中国市场进行投资。FDI是否给东道国带来技术溢出效应,到底能够带来多大的技术溢出效应等一直是各界争论颇多的问题。本文主要从外商对我国直接投资的现实情况出发,分析FDI产生技术溢出的传递途径,通过实证检验,得出了FDI确实给我国带来了一定的技术溢出效应的结论。     

农民工参与城镇医疗保障的行为研究

文章利用农民工调查数据,研究了农民工参与城镇医疗保障的影响因素以及城镇医疗保障对农民工医疗支出决策和医疗费用的影响,考察城镇医疗保障制度是否解决了农民工的医疗保障问题。研究结果发现,自评健康状况很好和很不好的农民工都不愿意参与城镇医疗保障,城镇医疗保障既存在逆向选择,也没有有效分散农民工的医疗风险。农民工是否有医疗支出和医疗费用的多少主要取决于疾病严重程度,农民工参与城镇医疗保障对此没有显著性影响。因此,现行农民工城镇医疗保障制度还没有起到为农民工提供足够的医疗保障作用。     

市场经济下新疆生产建设兵团青年就业问题研究——对102团的实地调查

新疆生产建设兵团（以下简称兵团）是执行屯垦戍边历史使命的特殊的政治、经济、军事、社会组织。兵团的发展和强大直接关系着新疆的稳定和发展。国家的统一和强盛。随着我国市场经济的逐步建立,兵团经济和社会发展受到了一定冲击,引起青年大量外流,使青年就业问题日益突显。我们知道青年劳动者对于任何一个国家扣地区来说都是至关重要的,青年是决定一个地区经济发展的关键,对于兵团来说也不例外。在市场经济条件下,兵团青年的价值观与就业观都发生了巨大的变化。