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The Russian government, on the other hand, has condemned the actions of the Syrian embassy, describing it as a violation of diplomatic protocol and an interference in the internal affairs of a sovereign nation. Russia has made it clear that it stands by its ally, the Assad regime, and will not tolerate any attempts to undermine its authority.
In the end, Oscar's departure from China is not just a farewell to a league, but a reflection of the diverse and multifaceted nature of the footballing world. As he embarks on a new chapter in his career, we can only look back on his time in China with appreciation for the moments of joy, struggle, and triumph that he has shared with us.Title: Making a Massive Sacrifice! Real Madrid Returns 10 Days Early to Rescue Their European DreamsLooking ahead, investors are expected to closely monitor the market developments, including the progress of policy initiatives, corporate earnings reports, and global economic trends. The positive momentum observed in today's trading session has set a positive tone for the market in the near term, while also highlighting the resilience and potential of the Chinese stock market.U.S. colleges — often criticized for teaching subjects with little practical value — may soon impart real-world knowledge. A Charles Schwab-backed Stanford University program brings personal finance education to the college classroom. The Initiative for Financial Decision-Making aims to develop cutting-edge personal finance education programs. Starting with Stanford students, the program plans to leverage technology to broaden access, influence policy through partnerships and campaigns, and strengthen personal finance education. There is potential for expansion, too; instructors from state schools and community colleges are already involved in parts of the initiative, hinting at broader adoption. The media has long bemoaned the woeful state of American financial literacy. Unlike other subjects, the student body has a keen appetite for money studies. A recent Intuit Financial Education survey of 2,000 American high school students revealed that 85% are interested in learning about financial topics in school. While encouraging, initiating the next generation into the world of personal finance brings challenges. We turn to financial advisors for their insights. Financial know-how is a prerequisite to success in this country. Americans must know how to manage their day-to-day finances, but not all workers and consumers are up to the task. Is it reasonable to expect most people to succeed with money matters without the required knowledge? Financial education in the classroom should be the solution. However, there are risks. “I have seen personal finance curricula spend more time on ‘choosing the best credit card’ than the importance of saving earlier in a career,” laments Stephan Shipe, Ph.D. and Financial Advisor at Scholar Advising. “Teaching financial literacy in schools faces several challenges, including a lack of standardized curriculum and qualified instructors, which can lead to incorrect coverage of critical topics.” Shipe stresses that, with real-world experience and context, students may see the immediate relevance, making it easier to apply or retain that knowledge. Some influential global institutions share this view. For instance, the Organisation for Economic Co-operation and Development (OECD) defines financial literacy as understanding financial concepts and the skills, motivation, and confidence to apply knowledge and make effective decisions. In other words, both economic knowledge and behavior. Classrooms may not be the sole answer to teaching money management; kids also need hands-on experience in the outside world, whether managing an allowance, creating budgets, or making spending decisions. Yet others have a different emphasis. “Often people worry about where education happens... but I think the bigger issue is the when,” says Benjamin Simerly, Founder and Financial Advisor at Lakehouse Family Wealth. “How early financial education starts plays a key role in how the human brain develops the concepts, and working with clients and hearing their stories about what they learned growing up bears this out in reality. To me, the best time to teach finance is when children first learn about numbers.” Dale Hershman, CEO of SickAdvisoryServices, concurs that some ideas, such as the time value of money, are worth instilling as soon as possible. “Young people who start investing early often benefit from dramatically better outcomes than people who start in middle age,” he says. “This is because investment returns can compound over time. Young people rarely consider the possibility that they will eventually grow old. If schools can get youngsters to think over a longer time range, all of American society would benefit.” Kids are inexperienced, but time is their weapon. The most famous example is Warren Buffet, who began investing at 11. Now in his mid-90s, he is among the world’s wealthiest individuals. Yet his long runway has given him an invaluable time horizon, which became his force multiplier as he leveraged the magic of compounding to grow his assets exponentially. While Buffet is a once-in-a-generation guru, every young American can benefit from recognizing the power of compounding that underscores his story and self-discipline. “The single most significant moment of change in a client’s mindset comes when they learn the power of compound interest,” says Simerly. “Once they grasp it... you see the lightbulb turn on above their heads. It’s one of my favorite moments that I get to share with clients.” While financial advisors differ on the ideal financial education for young Americans, many agree greater financial literacy does not threaten the financial advisory profession but enhances it. “Everyone has the right to learn how to succeed, and it’s been a joy watching clients learn the ins and outs of investing,” says Daren Blonski, Managing Principal at Sonoma Wealth Advisors. Advisors also believe greater personal finance education will increase the demand for financial advisors. “Many people feel intimidated and do not seek the help they need simply because they do not even understand the subject matter and how an advisor would or could be helpful. Having more consumers educated about the subject will lead more people to seek the help they need from advisors,” “I believe this type of education would increase the need for advisors,” asserts Lawrence D. Sprung, Founder and Wealth Advisor at Mitlin Financial. Nisiar Smith, Founder of Courtside Wealth Partners, shares a similar belief. “I find that clients who come in with a foundational understanding of financial principles are more confident and engaged in planning for their future,” says Smith. “They appreciate the value of customized strategies and guidance for more complex matters, such as tax-efficient investing, retirement planning, or building an estate plan. While a good financial literacy program can provide the basics, most people eventually need professional advice to build a comprehensive financial plan tailored to their unique circumstances and goals.” Incorporating financial literacy into college or high school education is important for young Americans. Practical know-how, core concepts like compounding, and skills to earn a high income can empower students to make informed decisions that will benefit them throughout their lives. If done correctly, greater financial literacy will enhance individual well-being and the broader economy.
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The bullish start to the trading day was fueled by a combination of factors, including positive economic data, renewed investor confidence, and a general sense of optimism surrounding the market outlook. With concerns about global economic uncertainties easing and domestic policies supporting market stability, investors were eager to capitalize on the upswing in market sentiment.Tang Shangjun, a young man from a small town in China, made headlines recently for his heartwarming plan to build a new house for his mother. This extraordinary gesture not only showcases Tang's love and devotion to his mother but also reflects the importance of family bonds and filial piety in Chinese culture.
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The shift away from the "lying flat" era for savings is an opportunity for individuals to reassess their financial habits and make positive changes for the future. By taking a more proactive and responsible approach to saving and spending, individuals can secure their financial well-being and work towards achieving their long-term goals.
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Chandigarh: The Punjab govt has allocated Rs 92 crore from the 2024-25 budget under the Post Matric Scholarship for SC Students scheme, to settle the outstanding dues for govt institutions. Sharing details, the minister of social justice, empowerment and minorities, Dr Baljit Kaur , said the Punjab govt had released Rs 366 crore during the 2023-24 fiscal year to clear dues under the Post Matric Scholarship for SC Students scheme for the years 2017-18 to 2019-20. Now, an additional Rs 92 crore has been released to settle the outstanding dues for govt institutions. TNN We also published the following articles recently Gujarat govt disburses Rs 28 cr in scholarships to science students The Gujarat government has disbursed Rs 28 crore to over 2.5 lakh students under the Namo Saraswati Vigyan Sadhana Yojana. This scheme, announced in the current budget, provides Rs 25,000 over two years to students pursuing science education after 10th grade. Bangladesh halves power imports from Adani after outstanding dues: Report Bangladesh has halved its electricity imports from Adani Power, citing lower winter demand and a payment dispute of roughly $650 million, although Adani claims the amount is closer to $900 million. This move follows Adani's initial reduction in supply due to late payments, exacerbating Bangladesh's financial strain. BJP govt renamed 21 schemes of previous govt, CM tells House Odisha Chief Minister Mohan Majhi revealed in the state assembly that the BJP government has renamed 21 schemes initiated by the previous BJD administration. Seven new initiatives have also been introduced. Notable changes include the "Kalia scheme" becoming "PM-KISAN" and the "Biju Swasthya Kalyan Yojana" transitioning to "Gopabandhu Jana Arogya Yojana. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .