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The Lack Of Financial Literacy Essay - 1371 Words

Problem / Needs The lack of financial literacy has reached an epidemic proportion among America’s youth, and in today’s world, many teens work to achieve their own financial independence. According to a recent youth survey given by the RAND Group in 2015, $91 billion of spending power is by teen youth, and the downside to this is many teens have no idea how to handle money. Due to the lack of financial literacy leads many young people to unsuccessfully manage their consumer credit, establish bad financial management habits, and stumble through life constantly battling financial hardship. â€Å"Teens often spend money unwisely due to poor financial habits.† According to Jump$tart Coalition for Personal Financial Literacy, nearly one-third of high school seniors have a least one credit card, nearly half use an ATM debit card, and more than three-quarters have a saving and/or checking account ;however, only twenty percent of high school seniors graduate with formal knowledge about formal personal finance. These young adults enter semi-adult unable to balance a checkbook, and the principles involved with earning, spending, saving, and investing. Solution Alliance Financial Ministries, Inc. offer several unique, community-focused programs designed to inspire and equip the youth with tools in order to make good financial decisions. The lessons provided by our program are geared toward the adolescent generation, and will have a huge impact on how money is handled with future income,Show MoreRelatedFinancial Literacy Is The Key For Managing Money895 Words   |  4 PagesFinancial Literacy is the key to Managing Money. Financial literacy is much more than learning of how to count your money when purchasing a gallon of milk at the liquor store. Financial literacy at times is mistaken for Economics, and it’s easy to understand why. Yet, financial literacy is the understanding of how money functions in this world, how to properly manage it, how one would properly invest their money, and how to donate your money to help others. 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Healthcare Quality and Information Management

Question: Describe about the Healthcare Quality and Information Management. Answer: Introduction: The job satisfaction is a very important issue in case of healthcare industry. The employees in the healthcare industry are concerned with looking after the patients and provide proper treatments to them (Hlsheger et al., 2013). The job satisfaction is required for the peoples in order to provide proper kind of service (Card et al., 2012). The job satisfaction is measured with the help of different measures like the amount of salary, the time required to work, the behavior of the managerial staffs. The job satisfaction also varies from person to person (Purpora Blegen, 2015). Job satisfaction is related to psychological condition of the people. Job satisfaction is an impact of different factors (Fortney et al., 2013). The condition of the workplace environment plays an important role in job satisfaction (Milln et al., 2013). The work life balance condition also plays an important role in this aspect (Pineau Stam et al., 2015). In this report the data on overall job satisfaction is being analyzed with the help of different statistical tests like t-tests, scatter plot, Pearsonian correlation coefficient. The results of the analysis and also the possible interpretation of the results are given in this report. Discussions: The job satisfactions of the people who are employed in the concerned industry are measured on a 5 point scale. The average ratings of the two consecutive years 2013 and 2014 are considered. The data were collected with the help of questionnaire. The questionnaires were given to 30 people who are working in the relevant industry. The people were asked about 20 questions and the relevant information was collected on the basis of the answers given by the employees. The average rate of job satisfaction is measured by the average rating of each of the employee on the 20 given questions. The t-test is done to compare the mean values of the two years. The hypothesis of the test is given by: H0: d= 0 against H1: d t= (d- d )/sd. The d represents the difference of each of the two means. d is the mean value of the actual population. The mean value is equal to zero in the case of null hypothesis. So our objective will be two tests whether the mean value obtained from the difference of the average value of the two groups is equal to zero or not. The test statistic follows a t distribution with 29 degrees of freedom. The summary of the measures obtained from the t-test performed in excel is given below: t-Test: Paired Two Sample for Means Variable 1 Variable 2 Mean 3.326667 3.755 Variance 1.018057 0.749543 Observations 30 30 Pearson Correlation 0.807887 Hypothesized Mean Difference 0 Df 29 t Stat -3.9312 P(T=t) one-tail 0.000241 t Critical one-tail 1.699127 P(T=t) two-tail 0.000482 t Critical two-tail 2.04523 The p-value of the test statistic is 0.000241 for one tailed test. The p-value of the test statistic is 0.000482 for the two tailed test. The p-value is the probability value given in the direction of the alternative hypothesis. The alternative hypothesis suggests that the test is one sided. Therefore, the p-value for one sided test is to be considered. The given level of significance is 0.05.The null hypothesis of the test gets rejected if the p-value is less than the given significance level. The test statistic is rejected in this case. Therefore, it can be concluded that the average job satisfaction has been improved than the previous years. The job satisfaction is measured with the help of various questions like the payment status, the ability to work alone, the workplace environment. The data reveals that there has been an improvement in the job satisfaction level over the years. The job satisfaction can also be measured with the help of Pearsonian correlation coefficient. The Pearsonian correlation coefficient values are calculated by the following formula: r = The Pearsonian correlation coefficient values ranges between -1 to 1. The Pearsonian correlation coefficient value when equals to +1 this implies that there is a perfect positive correlation while if it equals -1 then this indicates there is a negative correlation between the variables. The Pearsonian correlation coefficient values for the two periods are calculated. The values for 2014 are considered as the x variables and the values for 2013 are taken as y variables. The correlation coefficient value for the given dataset is calculated with the help of EXCEL. The value of the measure is 0.934873. The correlation matrix obtained from the above observations is: Column 1 Column 2 Column 1 1 Column 2 0.934873 1 The value of the cells (1,1) and (2,2) gives the correlation between the same variables. The correlation between the two variables that is the job satisfaction of the people in 2013 and 2014 is 0.934873. This implies that the correlation is quite high. The high value of correlation implies that there is a linear relationship between two variables. The two variables are correlated. The scatter plot diagram of the levels of the two years is also constructed. The scatter plot diagram is drawn by taking the value for 2013 as x variables. The values of 2014 are taken as y variables. The scatter plot diagram is given below: Figure: Scatter plot of the Job satisfaction level for two years. (Source: Created by author) The scatter plot diagram shows that there is a positive association between the two values. Figure: Scatter plot diagram with a linear trend line (Source: Created by author) The scatter plot diagram clearly shows the linear association between the two variables. The linear trend line shows that the two variables have a positive association. The linear trend line has a positive slope. The equation of the straight line is y = 1.0502x -0.2842. The value of the R squared statistics is 0.874. The regression equation has two parts. One part is the explained part and the other is unexplained. The R-squared measures how much good is the regression equation. It is the ratio of the explained part to the total. Therefore, high value of R-squared indicates a good fitted model. Conclusion: The data on job satisfaction for the two years 2013 and 2014 are analyzed in this report. The data is analyzed with the help of paired t-test .The test has been rejected. The test aims to study whether the mean value of job satisfaction has been increased for the year 2014. The test supports the null hypothesis. This means that the job satisfaction level has been increased in the second year of the study. The correlation coefficient also shows a positive value. The correlation coefficient is almost equals to 1. This means that there is a positive relationship between the two variables. This implies that the value as the value of one variable increases the value of the other also increases. The scatter plot diagram also reveals a straight line with the positive slope. This level of association is because the data has been collected from the same Institute. The study has been conducted by taking a very small sample. The entire study could had been better if the observations are a bit more. The job satisfaction level has been improved as suggested by the data analysis tools. The job satisfaction level can further be improved by improving the factors that affects the satisfaction level. The improvement in the job satisfaction will lead to the betterment of the services provide to the patients. The data shows three distinct groups. The first group shows a higher level of job satisfaction while the other two groups have given a comparatively low rating. The problems faced by these two groups need special attention. References: Hlsheger, U. R., Alberts, H. J., Feinholdt, A., Lang, J. W. (2013). Benefits of mindfulness at work: the role of mindfulness in emotion regulation, emotional exhaustion, and job satisfaction.Journal of Applied Psychology,98(2), 310. Card, D., Mas, A., Moretti, E., Saez, E. (2012). Inequality at work: The effect of peer salaries on job satisfaction.The American Economic Review,102(6), 2981-3003. Purpora, C., Blegen, M. A. (2015). Job satisfaction and horizontal violence in hospital staff registered nurses: the mediating role of peer relationships.Journal of clinical nursing,24(15-16), 2286-2294. Fortney, L., Luchterhand, C., Zakletskaia, L., Zgierska, A., Rakel, D. (2013). Abbreviated mindfulness intervention for job satisfaction, quality of life, and compassion in primary care clinicians: a pilot study.The Annals of Family Medicine,11(5), 412-420. Milln, J. M., Hessels, J., Thurik, R., Aguado, R. (2013). Determinants of job satisfaction: a European comparison of self-employed and paid employees.Small business economics,40(3), 651-670. Pineau Stam, L. M., Spence Laschinger, H. K., Regan, S., Wong, C. A. (2015). The influence of personal and workplace resources on new graduate nurses' job satisfaction.Journal of nursing management,23(2), 190-199.

Martin Luther kings letter from Birmingham jail An Analysis Essay Example

Martin Luther kings letter from Birmingham jail: An Analysis Essay Reverend Martin Luther King’s famous letter from Birmingham Jail captures some of the core elements of his public discourse. Although the letter had not been orated in public, it is similar in style to his more popular public speeches and brings out the inspirational and charismatic aspects of King’s personality. The letter was first published in The Atlantic as â€Å"†The Negro Is Your Brother†. It was written in response to a public statement of concern and caution issued by some prominent Caucasian religious leaders of the Southern states. Even today, the document is regarded as one of the most influential pieces of literature to have come out during the civil-rights movement. The passage chosen for this discussion is given in quotations below. This passage is a classic example of the manifestation of Dr. King’s charisma and eloquence. It also demonstrates some of the tools of rhetoric that King used in his speeches and writings that have a powerful effect on the listener. Some key sentences from the following passage will be taken for deeper analysis: â€Å"We have waited for more than three hundred and forty years for our God-given and constitutional rights. The nations of Asia and Africa are moving with jet like speed toward the goal of political independence, and we still creep at horse-and-buggy pace toward the gaining of a cup of coffee at a lunch counter. I guess it is easy for those who have never felt the stinging darts of segregation to say â€Å"wait.† But †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.when you are humiliated day in and day out by nagging signs reading â€Å"white† and â€Å"colored†; when your first name becomes â€Å"nigger† and your middle name becomes â€Å"boy† (however old you are) and your last name becomes â€Å"John,† and when your wife and mother are never given the respected title â€Å"Mrs.†; when you are harried by day and haunted by night by the fact that you are a Negro, living constantly at tiptoe stance, never qu ite knowing what to expect next, and plagued with inner fears and outer resentments; when you are forever fighting a degenerating sense of â€Å"nobody-ness†Ã¢â‚¬â€then you will understand why we find it difficult to wait. There comes a time when the cup of endurance runs over and men are no longer willing to be plunged into an abyss of injustice where they experience the bleakness of corroding despair. I hope, sirs, you can understand our legitimate and unavoidable impatience†. We will write a custom essay sample on Martin Luther kings letter from Birmingham jail: An Analysis specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Martin Luther kings letter from Birmingham jail: An Analysis specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Martin Luther kings letter from Birmingham jail: An Analysis specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The very first sentence demonstrates King’s employment of a historical perspective to current political events. Here, the reference to â€Å"three hundred and forty years† is in reference to the discovery of the Americas by Christopher Columbus. Such references give an aura of authenticity and credibility to the point being illustrated. Martin Luther King was a master of this technique. Another recognizable aspect of King’s individual style of narration lies in the allusion to the suffering of close family members. For instance, â€Å"hate-filled policemen curse, kick, brutalize, and even kill your black brothers and sisters†. The usage of â€Å"brothers and sisters† is a particularly powerful rhetorical tool. This was a time when many African Americans were adopting Islam as their religion, which is founded on the principles of universal brotherhood. Hence, it has appeal to that section of the black community as well. In the same vein is the mention of the difficulties facing young black Americans. Take another example, â€Å"your speech stammering as you seek to explain to your six-year-old daughter why she cannot go to the public amusement park that has just been advertised on television, and see tears welling up in her little eyes when she is told that Funtown is closed to colored children†. Here too the inside out depiction of the ordeals in the microcosm of an African American family is used to illustrate the general sufferings of the rest of the black community. Moreover, the clever juxtaposition of â€Å"tears welling up† and â€Å"Funtown† makes a poignant impression on the listeners. Many political commentators have pointed to King’s charisma manifesting in his public discourse. A prime example where his persona stamps itself on the message as in â€Å"when you are humiliated day in and day out by nagging signs reading â€Å"white† and â€Å"colored†; when your first name becomes â€Å"nigger† and your middle name becomes â€Å"boy†Ã¢â‚¬ . Here King employs his own personal experiences of humiliation and discrimination in portraying the broader issue. While King was a devoted Christian in his day, most of his public expressions have been secular. Although there might be an odd reference to Biblical precedents, his speeches and writings are not based on a theological framework. In other words, most of his discourse falls under the philosophy of humanism. This is a salient aspect of King’s rhetoric, and it consequently had a profound impact on the ethnically and religiously diverse American population. Moreover, King’s oratory was usually exceptional in nature and many listeners him as a divinely inspired leader, but without affiliating with any particular school of religious thought. While there is evidence for usage of Christian idiom, it is intricately woven into the letter in such a way as to look secular. This aspect of a lack of theological leaning is evident throughout the Birmingham letter and the passage chosen for discussion as well. While the feminist movement did not reach its peak until the mid seventies, King was a forerunner in the concept of equality of sexes. Martin Luther King was a leader ahead of his time and a large part of his appeal to women followers is due to his reverence of them. For instance, when he writes â€Å"your wife and mother are never given the respected title â€Å"Mrs.†Ã¢â‚¬ , King was expressing a honest sentiment felt by him and his fellow African American gentlemen. A key element in the passage being discussed is the subtle provocation and profundity that is a hallmark of all of King’s public utterances. The provocative nature of some of the sentences in the letter must not be seen as a sign of the author’s aggressiveness. To the contrary, King had always adhered to non-violent approach to black emancipation. The farthest that King will ever go is as in â€Å"when you are forever fighting a degenerating sense of â€Å"nobody-ness†Ã¢â‚¬ . Reverend King, in his long public life had never advocated physical violence as a means to black freedom and equality. Even in the most trying of circumstances, he always projects the principle of nonviolent civil resistance, as originally demonstrated by Mahatma Gandhi in his struggle against the British colonialists. In this regard, both these leaders were masters at organizing civil resistance at the foundations of which is a clever but morally lofty rhetoric of non-violence. The other appealing element of Reverend King’s rhetoric that made it so effective in garnering public support for his cause was the ingenuous use of metaphors and lyrical constructs in his writings and speeches. For example, in the passage in question, King writes, â€Å"when you are harried by day and haunted by night by the fact that you are a Negro such a powerful public† and â€Å"There comes a time when the cup of endurance runs over and men are no longer willing to be plunged into an abyss of injustice where they experience the bleakness of corroding despair†. Both these examples beautifully illustrate this point. Works Cited: Garrow, D.J., Bearing the Cross: Martin Luther King, Jr., and the Southern Christian Leadership Conference, published in 2004. King Jr, Martin Luther, Letter from Birmingham Jail, Liberating Faith: Religious Voices for Justice and Peace, 2003 King Jr. Martin Luther, Letter from the Birmingham City Jail, A Turbulent Voyage: Readings in African American Studies, 2000 Fairclough, A., Martin Luther King, Jr., published in 1995. Lee, R.E., The Rhetorical Construction of Time in Martin Luther King, Jr., Southern Communication Journal, 1991.