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The Role of Civic Literacy and Social Empathy on Rates of Civic Engagement Among University Students
Get PDFCivic engagement is pivotal to the health of communities. Through engagement in civic activities, people from diverse backgrounds come together to address community problems. Recent studies report declining rates of civic engagement among Americans. In particular, young Americans engage less frequently in activities central to democracy, such as voting and influencing legislation. This article examines the relationships between civic engagement, civic literacy, and social empathy among students enrolled at a public university in the western United States. Findings from this study indicate that increased civic literacy and social empathy correlate to higher rates of civic engagement among university students
Service-Learning with Tibetan Refugees in India: A Small University\u27s Experience
Get PDFIn response to requests for assistance from a Tibetan refugee community in Mainpat, India, Northern Arizona University developed a unique service-learning experience, the Mainpat Project, to provide health and other services. The project continued for 4 years despite the limited infrastructure and resources of a small public university and the complexities of working with a host community in a remote area. The Mainpat Project brought together community leaders and multidisciplinary teams of students, faculty, and staff. Based on various types of assessments, observations, and direction from the community, activities focused on needs identified by the Tibetan refugees and interventions to enhance their quality of life. This reflective essay presents results of an exploratory study of community needs, community–university interactions, interventions built on new understandings, challenges, intended and unintended outcomes, and lessons learned from this experience. Proposed strategies for future work in Mainpat build upon existing models of global service-learning
Credit usage, payment behavior, and the accuracy of consumer credit files
No full textThrough intensive interviews, examination of credit reports, and rescoring of corrected credit files, the researchers consider household characteristics, major life events, financial resources, and payment habits as they study the integrity of credit-bureau data, vulnerability to error, and results of disputes filed with the major credit bureaus. Credit usage and management are found to vary widely within demographic groups. Vulnerability to error and outcomes of disputes depend primarily on the credit record itself. Consumers with moderate credit scores are more likely than those with very high or low scores to see significant improvement in their records when errors are corrected
Improving long-term portfolio risk and return by using appreciated stocks for charitable donations
No full textStock investors who are charitable donors can minimize capital gains taxes and improve portfolio diversification by donating their most appreciated shares instead of cash, and then investing the freed-up cash in the portfolio’s least-weighted stocks. The charity is indifferent to the donation method, and the investor receives the same charitable deduction. Monte Carlo simulations show that a donor-investor using this method enjoys substantially higher wealth and lower portfolio risk, particularly over longer time horizons. This strategy can be integrated with tax loss selling and some limited gain harvesting to further increase after-tax returns and reduce risk
Factors related to the risk tolerance of households in China and the United States: Implications for the future of financial markets in China
No full textWe analyzed factors related to the financial risk tolerance of Chinese households, using the 2011 China Household Finance Survey (CHFS). The risk tolerance question was similar to one in the U.S. Survey of Consumer Finances (SCF), and we found that CHFS respondents had slightly higher risk tolerance than SCF respondents, but the percentage of households with stock assets was 9%, compared with 49% in the United States. Our multivariate analyses found many household characteristics in the CHFS had effects on risk tolerance similar to those found in the 2013 SCF. We discuss implications for the future of Chinese investment markets