It's post-tax/pre-graduation season, when articles about making better financial decisions crop up faster than spring flowers. Each year around this time, you can expect to see column after column about how Americans don't understand money matters, packed with advice to new graduates (and others) about saving for retirement, creating a strict budget and sticking to it, and avoiding coffee shop lattes. These articles will lament the horrific state of Americans' finances -- probably noting that the savings rate has plummeted while consumer credit has surged, that roughly half of Americans say they would borrow to cover a $400 emergency, and that about 60 percent of Americans can't pass a basic financial literacy test. Statistics like those are inspiring more states to pass laws requiring students to take financial-literacy classes. According to the Council for Economic Education, 19 states now require the study of the subject as a condition for graduating from high school, up from 13 in … [Read more...] about Analysis: Is forcing students to study personal finance a waste of time?
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By Kelly G. Richardson | | PUBLISHED: April 12, 2019 at 6:00 am | UPDATED: April 12, 2019 at 6:01 am Previously, I’ve written about management options and contracts. Today, we’ll look at what happens after selecting the management services and how a board can tell that a manager prospect is qualified. California managers are unregulated, with no required license or minimum education. While rental managers must have real estate broker licenses, HOA managers do not. There is a wide range of qualification and experience in the field, and credentials indicate experience and commitment to the management profession. Business and Professions Code 11502 allows one to be called a “Certified Common-Interest development manager” after 30 class hours in certain topics from a professional association of common-interest development managers. Section 11504 requires managers to annually disclose whether they qualify as “certified” and prohibits managers from … [Read more...] about HOA Homefront: How to determine if your manager is qualified
When Intel decided it would no longer build chips with materials from conflict zones, it wasn’t a textbook bottom-line business decision. Finding these natural resources–tantalum, tin, tungsten, and gold–from conflict-free countries took significant time and incurred extra costs. But the “right thing to do,” as Intel’s director of corporate citizenship Gary Niekerk called the move, established the company as a leader in an industry-wide movement, pleased customers and employees, and built relationships with activists and NGOs. “Ensuring a stable supply chain is always a good thing,” Niekerk said in a Stanford case study. “Ensuring the ability to source from multiple regions of the world is a good thing. It was done because it is the right thing to do, but as you back out, you see additional values.” But how as a leader do you recognize the right thing to do? And how do you balance your responsibilities to shareholders, … [Read more...] about How to know if you’re an ethical leader
Visit The Boston Globe Share on Twitter Share on Facebook Comment on this Scroll to top of page By Michelle Singletary Washington Post October 20, 2018 WASHINGTON — I frequently find myself in conversations with parents who believe they have little to no obligation to pay the entire cost of college for their children.I’m not talking about people who are just getting by financially and can barely pay for basic needs. I hear this from parents who could save if they started early enough, but they decide it’s not their responsibility to fully fund their child’s college education.Fidelity Investments recently released its latest College Savings Indicator study, and it confirmed what I’ve been hearing anecdotally: Only 29 percent of parents plan to cover the full cost of college, down from 43 percent in 2016 and 35 percent in 2015. Advertisement Parents who are not planning to cover the full cost say they expect their children to … [Read more...] about Here’s one way to reduce the cost of college
Published 9:35 am PDT, Wednesday, October 10, 2018 FILE - The state of California is sitting on nearly $770 million in unclaimed cash belonging to Californians and State Controller Betty Yee wants to return it to its rightful owners. FILE - The state of California is sitting on nearly $770 million in unclaimed cash belonging to Californians and State Controller Betty Yee wants to return it to its rightful owners. Photo: LM Otero, Associated Press Check out the slideshow to see some of the Bay Area's free and cheap offerings of interesting activities. Check out the slideshow to see some of the Bay Area's free and cheap offerings of interesting activities. Photo: Robert Daly, Getty Images It's hard to find a good massage in the city for less than $100, but SF's massage schools usually offer far more affordable options through their student … [Read more...] about California has nearly a billion in unclaimed cash: How to find out if some of it is yours