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Financial Literacy: an Essential Tool for Informed Consumer Choice?
NBER WORKING PAPER SERIES FINANCIAL LITERACY: AN ESSENTIAL TOOL FOR INFORMED CONSUMER CHOICE? Annamaria Lusardi Working Paper 14084 http://www.nber.org/papers/w14084 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 June 2008 I would like to thank Keith Ernst, Howell Jackson, Kevin Rhein, Peter Tufano, and participants to the conference "Understanding Consumer Credit: A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers," Harvard Business School, November 2007, and the conference "Consumer Information and the Mortgage Market," Federal Trade Commission, Washington, D.C., May 2008 for suggestions and comments. This paper builds on several projects I have written in collaboration with Olivia Mitchell, whom I would like to thank for her encouragement, support, and many suggestions. Audrey Brown provided excellent research assistance. Any errors are my responsibility. This paper was written while visiting Harvard Business School and I would like to thank them, and in particular Peter Tufano, for their hospitality. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Annamaria Lusardi. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi NBER Working Paper No. -
UNIVERSITY of CALIFORNIA, SAN DIEGO Queerness and Chinese Modernity: the Politics of Reading Between East and East a Dissertati
UNIVERSITY OF CALIFORNIA, SAN DIEGO Queerness and Chinese Modernity: The Politics of Reading Between East and East A dissertation submitted in partial satisfaction of the requirements for the degree Doctor of Philosophy in Literature by Alvin Ka Hin Wong Committee in Charge: Professor Yingjin Zhang, Co-Chair Professor Lisa Lowe, Co-Chair Professor Patrick Anderson Professor Rosemary Marangoly George Professor Larissa N. Heinrich 2012 Copyright Alvin Ka Hin Wong, 2012 All rights reserved. The dissertation of Alvin Ka Hin Wong is approved, and it is acceptable in quality and form for publication on microfilm and electronically: ________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________ ________________________________________________________________________ Co-Chair ________________________________________________________________________ Co-Chair University of California, San Diego 2012 iii TABLE OF CONTENTS Signature Page …………………………………………………….……………….….…iii Table of Contents ………………………………………………………………..…….…iv List of Illustrations ……………………………………………………………….…........v Acknowledgments …………………………………………………………………….....vi Vita …………………………………………………….…………………………….…...x Abstract of the Dissertation ………………………………………………….……….….xi INTRODUCTION.……………………………………………………………….……....1 CHAPTER ONE. Queering Chineseness and Kinship: Strategies of Rewriting by Chen Ran, Chen Xue and Huang Biyun………………………….………...33 -
1 Comrade China on the Big Screen
COMRADE CHINA ON THE BIG SCREEN: CHINESE CULTURE, HOMOSEXUAL IDENTITY, AND HOMOSEXUAL FILMS IN MAINLAND CHINA By XINGYI TANG A THESIS PRESENTED TO THE GRADUATE SCHOOL OF THE UNIVERSITY OF FLORIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF ARTS IN MASS COMMUNICATION UNIVERSITY OF FLORIDA 2011 1 © 2011 Xingyi Tang 2 To my beloved parents and friends 3 ACKNOWLEDGMENTS First of all, I would like to thank some of my friends, for their life experiences have inspired me on studying this particular issue of homosexuality. The time I have spent with them was a special memory in my life. Secondly, I would like to express my gratitude to my chair, Dr. Churchill Roberts, who has been such a patient and supportive advisor all through the process of my thesis writing. Without his encouragement and understanding on my choice of topic, his insightful advices and modifications on the structure and arrangement, I would not have completed the thesis. Also, I want to thank my committee members, Dr. Lisa Duke, Dr. Michael Leslie, and Dr. Lu Zheng. Dr. Duke has given me helpful instructions on qualitative methods, and intrigued my interests in qualitative research. Dr. Leslie, as my first advisor, has led me into the field of intercultural communication, and gave me suggestions when I came across difficulties in cultural area. Dr. Lu Zheng is a great help for my defense preparation, and without her support and cooperation I may not be able to finish my defense on time. Last but not least, I dedicate my sincere gratitude and love to my parents. -
Sacrificing Privacy for Convenience: the Need for Stricter FTC Regulations in an Age of Smartphone Surveillance
Journal of the National Association of Administrative Law Judiciary Volume 34 Issue 2 Article 6 12-15-2014 Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance Ashton McKinnon Follow this and additional works at: https://digitalcommons.pepperdine.edu/naalj Part of the Administrative Law Commons, Consumer Protection Law Commons, Privacy Law Commons, and the Science and Technology Law Commons Recommended Citation Ashton McKinnon, Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance, 34 J. Nat’l Ass’n Admin. L. Judiciary 484 (2014) Available at: https://digitalcommons.pepperdine.edu/naalj/vol34/iss2/6 This Comment is brought to you for free and open access by the Caruso School of Law at Pepperdine Digital Commons. It has been accepted for inclusion in Journal of the National Association of Administrative Law Judiciary by an authorized editor of Pepperdine Digital Commons. For more information, please contact [email protected], [email protected], [email protected]. Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance By Ashton McKinnon* TABLE OF CONTENTS I. INTRODUCTION ......................................................................... 486 II. THE SMARTPHONE .................................................................... 488 III. APPS ........................................................................................ -
Identity Tensions Among Chinese Intellectual Christians a Pa
“Who Am I”: Identity Tensions Among Chinese Intellectual Christians A paper was presented at the annual meeting of the Association for the Sociology of Religion, San Francisco, California, August 14, 2004 Jianbo Huang Chinese Academy of Social Sciences Building 6, 27 Zhongguancun South Street Haidian, Beijing PR China 8610—88218477 [email protected] Since the Reform and Opening Up policy was implemented in 1978, a so-called tide of “Christianity Fever” has swept across the intellectual and academic circle. The concern and zeal they have for Christianity are reflected in the research, comments and translation of its history, theories, doctrines and persons, as well as stimulating the formation of the openness of recognizing Christianity afresh (or correctly). In this rising tide of Christianity in China, some intellectuals have accepted the “cross” and entered the hall of Christian belief including university students, teachers, writers, painters, scholars and scientists. Some overseas Chinese students had converted even earlier (Li, 1996). Obviously, Christianity has a special attraction for them. They were attracted by the doctrines and teachings, and /or personal eXposure to Christian fellowships, then converted and were baptized. Looking back on the beginning of the 20th century, it was also the intellectuals who started a vigorous “anti-Christian movement”, taking the chance of the May Fourth Movement in 1919 and the New Culture Movement, holding up the banners of “Mr. D” (democracy) and “Mr. S” (science). Generally speaking, they wanted to thrust Christianity aside because they assumed that religion equals superstition and was incompatible with science. They reasoned that science was a necessity if the life of the Chinese people was to be improved and China’s international status be promoted (Li, 1994:195-222). -
Beijing Subway Map
Beijing Subway Map Ming Tombs North Changping Line Changping Xishankou 十三陵景区 昌平西山口 Changping Beishaowa 昌平 北邵洼 Changping Dongguan 昌平东关 Nanshao南邵 Daoxianghulu Yongfeng Shahe University Park Line 5 稻香湖路 永丰 沙河高教园 Bei'anhe Tiantongyuan North Nanfaxin Shimen Shunyi Line 16 北安河 Tundian Shahe沙河 天通苑北 南法信 石门 顺义 Wenyanglu Yongfeng South Fengbo 温阳路 屯佃 俸伯 Line 15 永丰南 Gonghuacheng Line 8 巩华城 Houshayu后沙峪 Xibeiwang西北旺 Yuzhilu Pingxifu Tiantongyuan 育知路 平西府 天通苑 Zhuxinzhuang Hualikan花梨坎 马连洼 朱辛庄 Malianwa Huilongguan Dongdajie Tiantongyuan South Life Science Park 回龙观东大街 China International Exhibition Center Huilongguan 天通苑南 Nongda'nanlu农大南路 生命科学园 Longze Line 13 Line 14 国展 龙泽 回龙观 Lishuiqiao Sunhe Huoying霍营 立水桥 Shan’gezhuang Terminal 2 Terminal 3 Xi’erqi西二旗 善各庄 孙河 T2航站楼 T3航站楼 Anheqiao North Line 4 Yuxin育新 Lishuiqiao South 安河桥北 Qinghe 立水桥南 Maquanying Beigongmen Yuanmingyuan Park Beiyuan Xiyuan 清河 Xixiaokou西小口 Beiyuanlu North 马泉营 北宫门 西苑 圆明园 South Gate of 北苑 Laiguangying来广营 Zhiwuyuan Shangdi Yongtaizhuang永泰庄 Forest Park 北苑路北 Cuigezhuang 植物园 上地 Lincuiqiao林萃桥 森林公园南门 Datunlu East Xiangshan East Gate of Peking University Qinghuadongluxikou Wangjing West Donghuqu东湖渠 崔各庄 香山 北京大学东门 清华东路西口 Anlilu安立路 大屯路东 Chapeng 望京西 Wan’an 茶棚 Western Suburban Line 万安 Zhongguancun Wudaokou Liudaokou Beishatan Olympic Green Guanzhuang Wangjing Wangjing East 中关村 五道口 六道口 北沙滩 奥林匹克公园 关庄 望京 望京东 Yiheyuanximen Line 15 Huixinxijie Beikou Olympic Sports Center 惠新西街北口 Futong阜通 颐和园西门 Haidian Huangzhuang Zhichunlu 奥体中心 Huixinxijie Nankou Shaoyaoju 海淀黄庄 知春路 惠新西街南口 芍药居 Beitucheng Wangjing South望京南 北土城 -
Shanghai, China Overview Introduction
Shanghai, China Overview Introduction The name Shanghai still conjures images of romance, mystery and adventure, but for decades it was an austere backwater. After the success of Mao Zedong's communist revolution in 1949, the authorities clamped down hard on Shanghai, castigating China's second city for its prewar status as a playground of gangsters and colonial adventurers. And so it was. In its heyday, the 1920s and '30s, cosmopolitan Shanghai was a dynamic melting pot for people, ideas and money from all over the planet. Business boomed, fortunes were made, and everything seemed possible. It was a time of breakneck industrial progress, swaggering confidence and smoky jazz venues. Thanks to economic reforms implemented in the 1980s by Deng Xiaoping, Shanghai's commercial potential has reemerged and is flourishing again. Stand today on the historic Bund and look across the Huangpu River. The soaring 1,614-ft/492-m Shanghai World Financial Center tower looms over the ambitious skyline of the Pudong financial district. Alongside it are other key landmarks: the glittering, 88- story Jinmao Building; the rocket-shaped Oriental Pearl TV Tower; and the Shanghai Stock Exchange. The 128-story Shanghai Tower is the tallest building in China (and, after the Burj Khalifa in Dubai, the second-tallest in the world). Glass-and-steel skyscrapers reach for the clouds, Mercedes sedans cruise the neon-lit streets, luxury- brand boutiques stock all the stylish trappings available in New York, and the restaurant, bar and clubbing scene pulsates with an energy all its own. Perhaps more than any other city in Asia, Shanghai has the confidence and sheer determination to forge a glittering future as one of the world's most important commercial centers. -
Sex with Chinese Characteristics : Sexuality Research In/On 21St Century China
This is a repository copy of Sex with Chinese Characteristics : Sexuality research in/on 21st century China. White Rose Research Online URL for this paper: https://eprints.whiterose.ac.uk/127758/ Version: Accepted Version Article: Jackson, Stephanie Forsythe orcid.org/0000-0001-6981-0712, Ho, Petula Sik Ying, Cao, Siyang et al. (1 more author) (2018) Sex with Chinese Characteristics : Sexuality research in/on 21st century China. JOURNAL OF SEX RESEARCH. pp. 486-521. ISSN 0022-4499 https://doi.org/10.1080/00224499.2018.1437593 Reuse Items deposited in White Rose Research Online are protected by copyright, with all rights reserved unless indicated otherwise. They may be downloaded and/or printed for private study, or other acts as permitted by national copyright laws. The publisher or other rights holders may allow further reproduction and re-use of the full text version. This is indicated by the licence information on the White Rose Research Online record for the item. Takedown If you consider content in White Rose Research Online to be in breach of UK law, please notify us by emailing [email protected] including the URL of the record and the reason for the withdrawal request. [email protected] https://eprints.whiterose.ac.uk/ PDF proof only--The Journal of Sex Research SEX WITH CHINESE CHARACTERISTICS: SEXUALITY RESEARCH IN/ON 21ST CENTURY CHINA Journal: The Journal of Sex Research Manuscript ID 17-247.R2 Manuscript Type: Original Article Sexual minorities, Women‘s sexuality, Desire, Extramarital Sex, Special Keywords: Populations/Gay, les,ian, ,isexual Page 1 of 118 PDF proof only--The Journal of Sex Research 1 2 3 SEX WITH CHINESE CHARACTERISTICS: 4 5 6 ST SEXUALITY RESEARCH IN/ON 21 CENTURY CHINA 7 8 9 10 Abstract 11 12 13 This article examines the changing contours of Chinese sexuality studies by locating 14 15 recent research in historical context. -
Queering Chinese Comrades!
Studies in Chinese Learning and Teaching Issue 2 pp. 61-87 ______________________________________________________________________________ Queering Chinese Comrades! Audrey Tse Student Advisor: Elisabeth Kaske Carnegie Mellon University I. Tongzhi and Queer In the past two decades, tongzhi (同志) culture, activism, and identity have increased its presence in mainstream China despite institutional discrimination. In contrast with the term ‘homosexuality’ (同性恋), which has a clinical connotation, tongzhi, like ‘gay and lesbian’ or ‘queer’, is used for self-identification. Tongzhi’s etymological root in the Communist and Nationalist Party struggles during the mid-twentieth century results in a term that embodies positive cultural references, gender neutrality, and desexualization while undermining the stigma of homosexuality.1 The first vernacular use of the word tongzhi, meaning comrade, to describe Chinese queer, LGBT, and non-heterosexual individuals was in 1989. It was wittingly appropriated from the Communist Party’s rhetoric for use at the first Lesbian and Gay Film Festival in Hong Kong, when the playwright Edward Lam referred to the festival as the Tongzhi Film Festival.2 Since then, the term tongzhi has been widely used to signify non-normative genders and sexualities in the Chinese context, and functions similarly to the English term ‘queer’. In this article, I will argue that the work of Cui Zi’en, a prominent activist and film director, supports a universalist application of queer theory in China that encourages a global 1 Hinsch, Brett, Passions of the Cut Sleeve: The Male Homosexual Tradition in China, (Berkeley and Los Angeles: University of California Press,1990) 2 Travis S. K. Kong, Chinese Male Homosexualities: Memba, Tongzhi and Golden Boy (London: Volume 52 of Routledge Contemporary China Series, 2010), 14. -
Profiling and Targeting Consumers in the Internet of Things – a New Challenge for Consumer Law
Profiling and targeting consumers in the Internet of Things – A new challenge for consumer law Prof. Dr. Natali Helberger, Institute for Information Law, University of Amsterdam I. Introduction “The door refused to open. It said, “Five cents, please.” He searched his pockets. No more coins; nothing. ‘I’ll pay you tomorrow,’ he told the door. Again he tried the knob. Again it remained locked tight. ‘What I pay you,’ he informed it, ‘is in the nature of a gratuity; I don’t have to pay you.’ ‘I think otherwise,’the door said. ‘Look in the purchase contract you signed when you bought this conapt.’ … From the drawer beside the sink Joe Chip got a stainless steel knife; with it he began systematically to unscrew the bolt assembly of his apt’s money gulping door. ‘I’ll sue you,’th door said as the first screw fell out. Joe chip said, ‘I’ve never been sued by a door. But I guess I can live through it.’1 Having a legal debate with one’s door sounds very much like a vision from a hopefully very hypothetical future – like the one the science fiction author Philip K. Dick described in his novel. And yet, today, almost 50 years after Dick has first published Ubik, this future does not sound that hypothetical or even far away anymore. This chapter will argue that there is a role for consumer law to make sure that we do not have to have conversations like these with our doors, toasters or other smart appliances in the Internet of Things. -
Part 1: the Ecology of the Image
PART 1: THE ECOLOGY OF THE IMAGE Figure 1: Figure-ground reversal: the face-vase illusion (original design by Edgar Rubin). Ian E. Gordon, Theories of Visual Perception (Chichester: John Wiley & Sons, 1989) 53. 2 PART 1: THE ECOLOGY OF THE IMAGE …no denser or more tacit form of communication, no shaping or organising force more comprehensive or more insidiously embedded in our lifeworld than images. They make up the true lingua franca of commerce, politics, and psyche; they are the ‘cloaking devices’ par excellence of the human social world. (Sanford Kwinter)1 One must see, at first sight, what does not let itself be seen. And this is invisibility itself. For what first sight misses is the invisible. The flaw, the error of first sight is to see, and to not notice the invisible. (Jacques Derrida)2 …nothing seems more important than to debate the ecological role and character of images. (Andrew Ross)3 Don’t worry sweetheart — it’s just a movie. (Anon) INTRODUCTION 4 SNAP SHOT: AN ACCIDENT IN SLOW MOTION I am sitting in a Holden car designed in 1966, travelling down a highway on an extremely hot day at fifty miles per hour. The luxurious design of the interior (beautifully preserved by the car’s owner) speaks of a familiar car culture even though the detailing has changed. Something is, nonetheless, 1 Sanford Kwinter in his introduction to Bruce Mau, Life Style (London: Phaidon, 2000) 36. 2 Jacques Derrida, Specters of Marx: the state of the debt, the work of mourning, and the New International, trans. -
DOCUMENT RESUME Family and Consumer Sciences. a Maryland
DOCUMENT RESUME ED 399 420 CE 072 537 TITLE Family and Consumer Sciences. A Maryland Curricular Framework. INSTITUTION Maryland State Dept. of Education, Baltimore. Div. of Career Technology and Adult Learning. PUB DATE 96 NOTE 66p. PUB TYPE Guides Classroom Use Teaching Guides (For Teacher)(052) EDRS PRICE MF01/PC03 Plus Postage. DESCRIPTORS Behavioral Objectives; *Competence; Competency Based Education; *Consumer Education; *Curriculum Development; Educational Assessment; *Educational Philosophy; Evaluation Methods; *Family Life Education; *Home Economics; Secondary Education; State Curriculum Guides; Student Evaluation IDENTIFIERS *Maryland ABSTRACT This curricular framework is designed to assist administrators and teachers in planning, developing, and implementing family and consumer sciences programs in Maryland. It provides a philosophical foundation and a broad outline from which educators may construct comprehensive family and consumer sciences programs. The materials will aid local school systems in planning local curricula, developing a local philosophy, defining a local scope and sequence, evaluating the extent to which the goals and subgoals are contained in current curricular offerings, and identifying needed curricular content and instructional strategies. The document is organized into seven sections:(1) philosophy--definition of the nature of family and consumer sciences education and description of its relationship to society, the learner, and the school curriculum;(2) family and consumer sciences learner outcomes;(3) goals and subgoals (broad statements of desired outcomes, derived from the philosophy); (4) expectancies (statements that specify the expected behaviors within each subgoal);(5) illustrative objectives;(6) curriculum development and assessment (how to develop and use goals, subgoals, and expectancies in the preparation of family and consumer sciences instructional units, scopes, and sequences); and (7) authentic instructional assessments.