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bonjourmoncher · 5 years ago

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Financial literacy is the possession of the set of skills and knowledge that allows an individual to make informed and effective decisions with all of their financial resources. Raising interest in personal finance Hamilton Lindley is now a focus of state-run programs in countries including Australia, Canada, Japan, the United States and the United Kingdom.[1][2] Understanding basic financial concepts allows people to know how to navigate in the financial system. People with appropriate financial literacy training make better financial decisions and manage money better that those without such training.[3]

The Organization for Economic Co-operation and Development (OECD) started an inter-governmental project in 2003 with the objective of providing ways to improve financial education and literacy standards through the development of common financial literacy principles. In March 2008, the OECD launched the International Gateway for Financial Education,[4] which aims to serve as a clearinghouse for financial education programs, information and research worldwide. In the UK, the alternative term "financial capability" is used by the state and its agencies: the Financial Services Authority (FSA) in the UK started a national strategy on financial capability in 2003. The US Government also established its Financial Literacy and Education Commission in 2003.[5]

International Findings An international OECD study was published in late 2005 analysing financial literacy surveys in OECD countries. A selection of findings[6] included:

In Australia, 67 percent of respondents indicated that they understood the concept of compound interest, yet when they were asked to solve a problem using the concept only 28 percent had a good level of understanding. A British survey found that consumers do not actively seek out financial information. The information they do receive is acquired by chance, for example, by picking up a pamphlet at a bank or having a chance talk with a bank employee. A Canadian survey found that respondents considered choosing the right investments to be more stressful than going to the dentist. A survey of Korean high-school students showed that they had failing scores – that is, they answered fewer than 60 percent of the questions correctly – on tests designed to measure their ability to choose and manage a credit card, their knowledge about saving and investing for retirement, and their awareness of risk and the importance of insuring against it. A survey in the US found that four out of ten American workers are not saving for retirement. "Yet it is encouraging that the few financial education programmes which have been evaluated have been found to be reasonably effective. Research in the US shows that workers increase their participation in 401(k) plans (a type of retirement plan, with special tax advantages, which allows employees to save and invest for their own retirement) when employers offer financial education programmes, whether in the form of brochures or seminars."[6][7]

However, academic analyses of financial education have found no evidence of measurable success at improving participants' financial well-being.[8][9]

According to 2014 Asian Development Bank survey, more Mongolians have expanded their financial options, and for instance now compare the interest rates of loans and savings services through the successful launch of the TV drama with focus on the fiscal literacy of poor and non-poor vulnerable households.[10] Given that 80% of Mongolians cited TV as their main source of information, TV serial dramas were identified as the most effective vehicle for messages on financial literacy.[10]

Additionally, a growing number of financial literacy researchers are raising questions about the political character of financial literacy education, arguing that it justifies the shifting of greater financial risk (e.g. tuition fees, pensions, health care costs, etc.) to individuals from corporations and governments. Many of these researchers argue for a financial literacy education that is more critically oriented and broader in focus; an education that helps individuals better understand systemic injustice and exclusion, rather than one which understands financial failure as an individual problem and the character of financial risk as apolitical. Many of these researchers work within social justice, critical pedagogy, feminist and critical race theory paradigms.[11][12][13][14][15][16]

Asia Pacific Middle East Africa A survey of women consumers across Asia Pacific Middle East Africa (APMEA) comprises basic money management, financial planning and investment. The top ten of APMEA Women MasterCard's Financial Literacy Index are Thailand 73.9, New Zealand 71.3, Australia 70.2, Vietnam 70.1, Singapore 69.4, Taiwan 68.7, Philippines 68.2, Hong Kong 68.0, Indonesia 66.5 and Malaysia 66.0.[17]

Australia The Australian Government established a National Consumer and Financial Literacy Taskforce in 2004, which recommended the establishment of the Financial Literacy Foundation in 2005. In 2008, the functions of the Foundation were transferred to the Australian Securities and Investments Commission (ASIC). The Australian Government also runs a range of programs (such as Money Management) to improve the financial literacy of its Indigenous population, particularly those living in remote communities.

In 2011 ASIC released a National Financial Literacy Strategy — informed by an earlier ASIC research report 'Financial Literacy and Behavioural Change' — to enhance the financial wellbeing of all Australians by improving financial literacy levels.The strategy has four pillars:[18]

Education Trusted and independent information, tools and support Additional solutions to drive improved financial wellbeing and behavioural change Partnerships with the sectors involved with financial literacy, measuring its impact and promoting best practice ASIC's MoneySmart website was one of the key initiatives in the government's strategy. It replaced the FIDO and Understanding Money websites.

ASIC also has a MoneySmart Teaching website[19] for teachers and educators. It provides professional learning and other resources to help educators integrate consumer and financial literacy into teaching and learning programs.

A number of Hamilton P Lindley universities offer financial literacy subjects, such as Monash University BEX2001: You, Money & Life]), Macquarie University AFAS300: Principles of Financial Literacy, The University of Western Australia (FINA1109: Managing Your Personal Finance) and The University of Melbourne (FNCE30008: Street Finance).

The Know Risk Network of web and phone apps, newsletters, videos and website[20] was developed by insurance membership body ANZIIF to educate consumers on insurance and risk management.

India National Centre for Financial Education (NCFE) a non-profit company was created under section 8 of companies act 2013, to promote financial literacy in India.[21] It is promoted by four major financial regulators Reserve Bank of India, SEBI, IRDA and PFRDA.[22]

NCFE conducted a benchmark survey of financial literacy in 2015 to find the level of financial awareness in India.[23] It organises various programs to improve the financial literacy including collaborating with schools and developing new curriculum to include financial management concepts.[24] It also conducts a yearly financial literacy test.[21] The list of topics covered by NCFE in its awareness programs includes investments, types of bank accounts, services offered by banks, Aadhaar card, demat account, pan cards, power of compounding, digital payments, protection against financial frauds etc.[24]

Saudi Arabia A nationwide survey was conducted by SEDCO Holding in Saudi Arabia in 2012 to understand the level of financial literacy in the youth.[25] The survey involved a thousand young Saudi nationals, and the results showed that only 11 percent kept track of their spending, although 75 percent thought they understood the basics of money management. An in-depth analysis of SEDCO's survey revealed that 45 percent of youngsters did not save any money at all, while only 20 percent saved 10 percent of their monthly income. In terms of spending habits, the study indicated that items such as mobile phones and travel accounted for nearly 80 percent of purchases. Regarding financing their lifestyle, 46 percent of youth relied on their parents to fund big ticket items. 90 percent of the respondents stated that they were interested in increasing their financial knowledge.

Singapore In Singapore, the National Institute of Education Singapore established the inaugural Financial Literacy Hub for Teachers[26] in 2007 to empower school teachers to infuse financial literacy into core curriculum subjects to embed pedagogically sound activities to engage students in learning. Such day-today relevant and authentic illustrations enhance the experiential learning to build financial capability in youth. Integral to evidence-based practices in schools, research on financial literacy is spearheaded by the Hub, which has published numerous impact studies on the effectiveness of financial literacy programs and on the perceptions and attitudes of teachers and students. A longitudinal study on the impact of financial literacy education on attitudinal and behavioural change is on-going. The baseline study on financial literacy in Singapore Schools 2008/9 (Koh, 2011)[27] involved more than 6000 students and a thousand school teachers. It is the vision of the Hub to empower educators to equip their students to be financially savvy so as to make informed decisions and exercise discipline in managing their personal finance. The Hub is committed to spearheading high quality education programmes with research embedded for continual improvement so as to provide evidence-based practices.

The Singapore government through the Monetary Authority of Singapore funded the setting up of the Institute for Financial Literacy[28] in July 2012. The Institute is managed jointly by MoneySENSE[29] (a national financial education programme) and the Singapore Polytechnic.[30] This Institute aims to build core financial capabilities across a broad spectrum of the Singapore population by providing free and unbiased financial education programmes to working adults and their families. From July 2012 to May 2017, the Institute reached out to more than 110,000 people in Singapore via workshops and talks. Some of the topics covered in these workshops and talks include:

Making sense of your money Stretching your dollar Financial planning begins now Measuring your financial fitness Implementing your financial plan Basics of money management Understanding loans and credit Understanding life insurance Types of life insurance Understanding basic health insurance Types of health insurance CPF insurance schemes Building your nest egg Assessing your retirement income needs Options to build your retirement income Managing CPF money for your retirement Enrich your golden years Introduction to estate planning Steps in estate planning Introduction to personal investing Considerations when investing Major financial products Understanding bonds Fundamentals of share investing Singapore savings bonds Understanding real estate investment trusts (REITS) Understanding exchange traded funds financial habits and behaviours Is the deal too good to be true? Beware of scams When the deal turns sour Starting a family Buying your first HDB home Baby and child support schemes Buying a home within your means Money management for youth Give your child money sense Financial planning for families with special needs Financial planning for employees in transition Workshop for social workers Europe Belgium The FSMA is tasked with contributing to better financial literacy of savers and investors that will enable individual savers, insured persons, shareholders and investors to be in a better position in their relationships with their financial institutions. As a result, they will be less likely to purchase products that are not suited to their profile.[31]

Switzerland A study measured financial literacy among 1500 households in German-speaking Switzerland.[32] Testing the three concepts compound interest, inflation, and risk diversification, results show that the level of financial literacy in Switzerland is high compared to results for other European countries or the US population. Results of the study further show that higher financial literacy is correlated with financial market participation and mortgage borrowing. A related study among 15-years old students in the Canton of Fribourg shows substantial differences in the level of financial literacy between French- and German speaking students.[33]

The Swiss National Bank aims at improving financial literacy through its initiative iconomix that targets upper secondary school students.[34] The new public school curriculum will cover financial literacy in public schools.

The United Kingdom The UK has a dedicated body to promote financial capability – the Money Advice Service.

The Financial Services Act 2010 included a provision for the FSA to establish the Consumer Financial Education Body, known as CFEB. From April 26, 2010, CFEB continued the work of the FSA's Financial Capability Division independently of the FSA, and on April 4, 2011, was rebranded as the Money Advice Service.

The strategy previously involved the FSA spending about £10 million a year[35] across a seven-point plan. The priority areas were:

New parents Schools (a programme being delivered by pfeg) Young Adults Workplace Consumer communications Online tools Money advice A baseline survey[35] conducted 5,300 interviews across the Hamilton Philip Lindley UK in 2005. The report identified four themes:

Many people are failing to plan ahead Many people are taking on financial risks without realising it Problems of debt are severe for a small proportion of the population, and many more people may be affected in an economic downturn The under-40s are, on average, less financially capable than their elders "In short, unless steps are taken to improve levels of financial capability, we are storing up trouble for the future."[35]

There are also numerous charities in the United Kingdom working to improve financial literacy such as MyBnk, Citizens Advice Bureau and the Personal Finance Education Group.

Financial literacy within the UK Armed Forces is provided through the MoneyForce programme, run by the Royal British Legion in association with the Ministry of Defence and the Money Advice Service.[36]

#hamiltonlindley

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doncasterhillhill-blog · 6 years ago

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Doncaster Hill Dental Services: All You Need to Know

Dentist Doncaster takes great pride in helping our patients achieve optimum oral wellness and create perfect smiles. We are a full-service dental practice, conveniently located in beautiful Doncaster area, Melbourne. We proudly serve Doncaster, Doncaster Hill, doncaster east dentist, Templestowe, Templestowe Lower, Bulleen, Balwyn, Box hill, Blackburn as well as patients from across Melbourne who are searching for a Dentist Doncaster to provide high quality, comprehensive dental care to restore beauty, health and function to their smiles.

We strive to be the best dentist in doncaster, we truthfully understand the significance of having a healthy, attractive smile, and its capability to enhance the way you look and feel from the inside out. It is one of our important goals to provide unsurpassed dental experiences that encompass the unique desires and needs of each individual. We make this possible through compassionate dental treatments and personable care, focused on maintaining your oral health and the well-being of the entire body. Bulk bill Child dental benefit schedule

As Dentist Doncaster east, we come across dental implant failure in lots of situations. A dental implant failure is when a dental implant fails to become fused to the bone, gets loose, and must be removed. When ANY dental implant is done, there is ALWAYS a chance of failure. It doesn't matter if it was done at a reputed implant institute in Melbourne or by a general Dentist Doncaster in a small town. This minor failure rate is worldwide. If you are thinking about getting dental implants, you will have to accept this small risk of a dental implant failure! And that is under ideal conditions!

SIGNS OF A FAILED Dental Implant

There are several pointers to a dental implant failure, all linked to the fact that the implant is not firmly embedded in the jawbone:

The Dental Implants will be loose. If it is supporting a single tooth, the movement will be obvious. If it is connected to part of a bridge, then you will probably not notice any movement at first, as it is being held in place by the rest of the bridge.

The gum may shrink back from around the Dental Implants, exposing the metal surface of the implant itself. Dental veneers and crown Melbourne

You may get some slight swelling of the gum over the Dental Implants, either a small bump or perhaps a more generalized puffy gum area.

You may have some discomfort around the implant. Frequently there is no pain. Just a sense of discomfort.

A dental Dental Implants can fail at almost any time. Generally, the risk is highest at the moment the implant is put in, and over the next 30 days. Then the risk declines as the months go by. If all is well after 12 months, the risk is much less, but it never goes to zero!

WHY A

DENTAL IMPLANT

CAN FAIL

A dental implant may start to fail almost from the minute it is put in, OR ten years later! Here are a few situations that can occur;

1. The Dental Implants was not fitted tightly enough into the jawbone. Sometimes the bone can be relatively soft, and when the Dentist Doncaster gently screws the Dental Implants into place, it just keeps turning without getting a firm grip. The Dentist Doncaster may refer to it as a "spinner", because it spins around and around without becoming tight. There is not much the Dentist Doncaster can do to improve things.

2. A tightly fitted Dental Implants is a good start. However, during the healing phase, there are some other possible problems. As with any surgery, it is possible for infection to get in. Apart from causing some discomfort, any infection can prevent the bone cells from growing around the implant. It will not become "fused" to the bone. When the Dentist Doncaster inspects the Dental Implants after 3 to 4 months, he will find that it is slightly loose. It will wobble a bit.Leaving it any longer will not change anything; the Dental Implants should be removed, and either replaced by a slightly larger Dental Implants, or bone grafting added and allowed to heal for 6 months before trying again. 3. Once you get your new crown or bridge fitted to the Dental Implants, you may think you're home and dry. If you get past the first 12 months, then the chances of dental Dental Implants failure are very less.

Your Dentist Doncaster has a responsibility to explain this to you before treatment; and YOU have a responsibility to accept that risk if you want to have dental implants in Melbourne! At Doncaster Hill Dental in Melbourne will ensure that you have fully understood the possible risks involved with dental Dental Implants.

We hope our website proves a useful tool in learning more about our practice, team, and services. Also if you would like to know more about our updates and latest activities, please do not hesitate to check out our

Doncaster Hill Dental’s

Facebook page and contact us with questions and schedule a convenient appointment.

Everything You Need to Know About Wisdom Tooth Extraction

Do you know those four extra teeth in your mouth that you always thought as a kid gave you extra knowledge? That's right, your Wisdom Teeth Removal. Well at some point, you will likely have to have them removed. But don't worry, they don't actually give you Wisdom Teeth. In fact, they can cause you quite a bit of pain and interfere with the positioning of your other teeth. Having teeth pulled or removed never sounds like something you want to experience, so if this surgery is in your near future, you are likely wondering what to expect.

The Procedure

Contrary to most surgeries, Wisdom Teeth Extractions are quite common and generally don't take more than 45 minutes. Depending on your doctor and the extent of your surgery, you will either be given local anesthesia, general anesthesia, or an IV sedation. Regardless though, you won't feel a thing. Upon waking up or coming off of the anesthesia, you will notice some pain, swelling, and tenderness. You will also have a mouth full of gauze to help with bleeding. The extent of your surgery will determine if your doctor will stitch the wounds shut. Stitches are very common and typically dissolve after a few days. From this point, it is all about your post-operative care. Wisdom teeth removal Melbourne

Post-Operation Instructions

Now that you have withstood the wisdom teeth extraction, it is time to begin the healing process. The post-operative time period is vital to your overall wisdom tooth extraction experience - it can make it or break it. At least minor pain is unavoidable, considering you had someone pulling your teeth out. However, unnecessary pain, infections, and other complications can easily be avoided as long as you are diligent about your post-operative care.

Pain Expectations

Everyone experiences a different level of pain, but some discomfort is to be expected. Your gums and mouth will be tender and swollen. But with proper care and pain medication, the pain is only minor.

Here are a few vital recovery tips to follow:

1. Take advantage of ice packs. As with most operations, you will notice a little swelling as you start to heal. While it can be frustrating and painful, an ice pack can help eliviate some of that. Apply a cold ice pack to either or both sides for intermittent 20-minute periods.

2. Rinse with warm, salty water. We recommend that you rinse your mouth with warm, salty water for 24 hours after the Wisdom Teeth Removal surgery to help your mouth to heal.

3. Restrict your activities and allow yourself as much time to rest as needed. You will naturally be tired from the anesthesia, but you will also need extra rest as your body recovers.

4. Eat soft foods. No, mashed potatoes for breakfast, lunch and dinner might not sound the most appetising, but your mouth will thank you. Between the swelling and the stitches, anything more than minimal chewing of soft foods will cause irritation. Avoid drinking and chewing on the surgical side for at least 24 hours.

Rather you are having one wisdom tooth removed or all four, surgery is surgery. Ultimately, everyone has a different experience and recovery time, but the best thing you can do is be prepared and diligently take care of yourself following surgery. Wisdom Teeth Removal

While the anticipation leading up to the day of surgery is scary, it will all be over before you know it and it will be far better than the pain you would endure keeping your wisdom teeth in.

We provide many services like:

Dentist Doncaster

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smilehawthorn · 3 years ago

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Things to Consider for Finding a Good Dental Clinic

Dental hygiene and maintenance is essential to your overall health and wellbeing. Whatever level of concern you are with your dental hygiene it is crucial to have regular checks by a reliable dental facility to keep it. But, in order to locate a great dentists, you need to rely on reliable sources and gather information. Here are some suggestions to locate reputable dentists within your local neighborhood:

Look around for your area

There may be a variety of dentists near you to pick from. It is best to start by looking in your area and inquire about the clinic via your the local communities. If you are unable to locate a dental clinic that is reputable near your residence it's worth driving extra distances to receive quality treatment.

Find out more from patients

The best method to find out about a dental practice is to get information from their clients. You may visit a dental clinics and talk to patients questions about the staff and their experience with the clinic. You may also look around the area to learn more about the services offered. Do not be afraid of asking questions about the history of the facility as well as dental certificates in the event that they aren't displayed.

Be aware of the services provided

It is essential to be aware of the services provided by dental clinics. If you're aware of the problem, it'll help you decide if you should go to the clinic or not.

If you are planning to undergo major surgery it is important to first confirm whether your clinic has all the facilities required to assist you. If your preferred clinic isn't equipped for X-rays , or doesn't offer implants, you may need relocate to a different clinics to receive it. It is best to select the clinic that can provide the services you need and is equipped with all the equipment.

Find information about dental and insurance plans

If you are a member of an insurance coverage, then you may be limited in your options. You should seek clarification of which clinics you are able to access dental services. A majority of the top clinics offer a variety of dental plans that allow patients to afford dental care. It is recommended to choose one that also has an insurance company. The dental plans allow you to pay for your treatment over a period of time particularly if you're receiving expensive orthopaedic or cosmetic dentistry procedures.

Be aware of the discount offers

A lot of clinics offer discounts to relatives, as long as they also receive treatment from the clinic. Some offer annual discounts and free flossing. But, discounts and prices are not the only factors in determining the top dental clinics.

Search online

It is possible to search the internet for the most reputable clinics near you. But, you'll need do some research about each clinic before deciding the one that best fits for your needs.Invisalign and lingual brace Specialist Orthodontist in Melbourne hawthorn east kew Richmond Camberwell.

It is crucial to inquire about for the total cost of dental treatments prior to any treatment. It is advisable to that you have dental insurance so that you can get protection for various dental procedures, including preventative dental treatment amalgam fillings, amalgam fillings and so on. It is recommended to get insurance when you visit a dental practice in the very first instance,. must look around to observe the quality of the services provided and the cleanliness of the dental clinic, and also in the execution of procedures. If you're not pleased with the clinic, you must seek out the best dental clinic. It's worth spending more money to get quality dental treatment.

#Invisalign and lingual brace Specialist Orthodontist in Melbourne hawthorn east kew Richmond Camberwell

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smithmartin · 4 years ago

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Dentist in Kew - Bridge Rd Dental

At Bridge Rd Dental, Dentist in Kew, East Melbourne, Docklands and Hawthorn offers experienced quality dental care to you and your entire family. Our team will work with you to make sure you get the best possible dental care in our professional, caring environment. Call us today on (03) 9429 6020 or Make an appointment now!

#dentistinEastMelbourne dentistinDocklands dentistinHawthorn dentistinKew

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prosmiles-dentist-collingwood · 3 days ago

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Teeth Replacement Best Method to Stimulate Jawbone

When teeth are lost, the jawbone weakens over time. Teeth Replacement Melbourne solutions like implants mimic natural tooth roots, stimulating the bone to prevent further deterioration. Explore how advanced replacement techniques can restore your smile while keeping your jawbone strong and healthy.

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drzamanidentalpractice · 5 years ago

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Dr Leila Zamani is an affordable dentist Melbourne CBD who wants to make Melbourne smile with confidence with her best-in-class teeth whitening Melbourne services. In addition, she offers root canal and bleeding gum treatment, dental trauma, and emergency services through her east Melbourne dentist Clinic.

#dentist Melbourne CBD

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weirdstuff-blog · 5 years ago

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english-ext-2 · 8 years ago

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hello! just wondering about your thoughts on art degrees - are they really 'useless'? i can't think of any other way to study literature :( thank you!

I have many thoughts on this so it’s best to start with a disclaimer: I’m only speaking from my own experiences, am in no way representative of all Arts students, and definitely don’t represent employers’ perspectives (who might have very different opinions to mine).

Before I go anywhere, the following point is the most important: if you want to study literature, then study literature. There is nothing worse than picking a degree you think will be ‘employable’ only to realise you hate it (actually, what’s worse is becoming indifferent to it).

I’m clearly biased here, but Literature is good and not at all useless, and I would strongly encourage you to study it. I don’t want to say anymore else I’d go on forever, but that’s my position. The rest of my answer is under the cut because boy did it get long.

Arts in General

Firstly, arts encompasses a huge range of disciplines. In terms of diversity of knowledge, arts is far from useless. I’m at Usyd, where the Faculty of Arts and Social Sciences is the largest by far. It’s divided into schools, then departments. A single school, e.g. School of Social and Political Science (SSPS), has several departments. My majors fall under SSPS, the Department of Government and International Relations and the Department of Sociology and Social Work. But you’ve got education, social work, philosophy, museum and heritage studies, archaeology, media and communications, linguistics, languages, a whole range of departments under other schools too. Are all these subjects ‘useless’? Nope.

In purely humanistic terms, people with arts degrees have contributed so much to society. Where would we be without novelists, film producers, directors, script writers? Monty Python was a troupe of over-educated nerds who put their Oxford and Cambridge educations to dictionary-altering satirical use (soz Terry Gilliam, I know you’re American), and we’re better for it. Our world would be poorer without artists of all stripes and the insights that sociologists, historians, anthropologists, philosophers, linguists, etc. have made. The ultimate strike: your teachers studied Education, i.e. Arts. Without them you wouldn’t be reading this, and I wouldn’t be writing it either. Even if arts degrees are semi-jokingly characterised as useless, they’re not. (Btw I aggressively do not enjoy the STEM v Humanities debate because it reduces both sides to shitty stereotypes and gives rise to godawful Discourse, has anyone heard of polymaths.)

Types of Arts Degrees

You also have to consider the type of arts degree. Once I finish this semester I’m going to graduate with the pass Bachelors of International and Global Studies (i.e. your standard three year degree). In terms of tertiary education, it’s the most basic. I chose not to do a combined degree with, say, Law; nor did I choose to do Honours, which would’ve added an entire year to my degree doing a thesis. Arguably, arts honours and combined arts degrees are less 'useless’ than your run-of-the-mill three-year arts degrees because you supposedly gain advanced research skills and the, well, non-arts part of your combined degree (lol). (I would recommend Honours only if you’re truly, honestly looking for an intellectual challenge and are fully prepared to commit, not just riding along for the perceived employability advantage. A thesis is hard work! I have a friend in Melbourne who can testify.) Incidentally, your three-year arts degree will be an infuriating obstacle if you’re thinking of applying for grad school in North America since most universities only consider candidates who have at least a four-year undergraduate degree. On another note, I actually once met a girl who was doing combined law/arts and took a cinema elective unit because she enjoyed cinema but knew it wouldn’t likely help her find a job.

Employability

But given the state of the job market these days, almost all undergraduate degrees by themselves are next to useless. A freshly-graduated 21-year-old with a single Bachelors and nothing else to their name, no matter the discipline, won’t be zipping up the salary ladder any time soon (would probably struggle to get an entry level job, never mind kickstarting their career). We’re a long way from the days when just having a degree was proof of your knowledge and thus qualification for the job. Higher education is more accessible, and employers’ expectations have changed. The substance of the degree matters less than the transferable, or 'soft’ skills you gain at university. I’m talking leadership, adaptability (a big one), teamwork, written and verbal communication skills, cross-cultural awareness, self-management, time management, problem solving. Your grades are no longer the sole determining factor in your hiring, and may even take a back seat to strong extra-curricular or sporting achievements, or your experience in various casual/part-time jobs. In some ways it’s a welcome change for employers to expressly state they value recruits as people with talents in fields other than academia, and it’s certainly more inclusive of socio-economically disadvantaged students who might not have done well in school but are nonetheless hard workers and have displayed merit in the 'real world’.

From certain other perspectives, the job market is still capitalism, and individuals are still in competition with each other. As soon as employers make it known they’re looking for “well-rounded indvidiuals”, the students with the most cultural capital and financial resources rush off to, say, intern at a law firm, a think tank, the state government, or travel overseas to teach English in a South-East Asian country, i.e. they grab opportunities to expand their set of transferable skills. Doesn’t matter if you’re an arts student; the wealthiest are more likely to have the means to seek out and actively pursue the experiences that’ll enrich their CVs and make them more appealing to recruiters. It takes money to travel, and you need to be from a certain social milieu to know of, if not apply for, valuable career-hopping opportunities (I kid you not, one guy applied to the organisation where I volunteer wanting legal experience because his parents were allegedly dentists and not in the Right Lawyer Circles to get him a paralegal position or clerkship). All of this is a long way of saying that doing arts is but one factor amongst many affecting your job prospects.

To bring the discussion back to more pleasant grounds, big corporations (read: banks, consultancy firms, your Comm Banks and KPMGs) are recognising the skills and talents that arts students can bring to their companies. The critical thinking skills you gain from analysing those long-ass readings and putting them into practice are highly sought after because they show you’re not just someone who follows instructions, but can analyse, evaluate and synthesise information appropriate to audience, which applies to literally anything in any workplace. Usyd even has a program called ArtSS Career Ready that offers summer/winter internships with various organisations to Arts and Humanities students only.

It’s implied in the above paragraphs but what it comes down to is that you’re very likely going to end up doing something that has only the faintest relation to your degree. A student who majored in sociology might end up in a consultancy firm; a history student at St George or Westpac. If you’re going to worry about what you’re studying, worry on the basis of whether you’ll enjoy it rather than whether it fits your projected career path.

Arts Degrees in Context

So far I’ve spoken about arts degrees in very general, abstract terms, disconnected from the institutions that offer them. Does it make a difference if you study English Literature at Usyd rather than UNSW? (Usyd’s English department consistently ranks well in the QS rankings, 18th this year and the highest Australian university if you were wondering, with UNSW at equal 49th.) Though whether an English major from Usyd is more employable than an English major from UNSW, well, Usyd is ranked 4th in terms of graduate employability in the QS rankings but that’s not necessarily reflective of Usyd’s English department. Anyhow, the 'usefulness’ of a degree will rely on its quality, and that quality is directly influenced by two things: the degree structure, and the people teaching your degree. Both will of course vary from uni to uni.

Degree Structure

What do I mean by degree structure? I’m talking mandatory units or majors, and even mandatory internships. Take my INGS degree. The features that differentiate it from your generic Usyd arts degree are:

four mandatory INGS units

three mandatory language units

a mandatory one-semester exchange

a mandatory major chosen from a list (double majoring is optional)

It sounds fancy but if you were a discerning arts student you could take multiple language units and go on exchange; the list of compulsory majors we choose from is not exclusive to INGS students. The real appeal lies in the INGS units, which are themselves an interdisciplinary mix but which in my experience don’t build graduate abilities any more effectively than any other arts unit. Exchange was good though, and certainly useful in the sense I picked up a range of transferable skills (if not applicable in professional contexts then at home; baking soda and vinegar are great cleaning agents.)

My degree structure wasn’t revolutionary and didn’t necessarily equip me with skills that might make me more attractive to recruiters. Enter mandatory internships. Some universities in their arts degrees make practical experience (internships, practicums, research projects, etc.) compulsory. If this opportunity is already built into your degree and/or discipline, e.g. you have practicums if you study education, then it’s a huge advantage as you don’t have to go looking for one yourself. Macquarie University makes PACE units (Professional and Community Engagement) a requirement of graduating with an arts degree. Students get practical experience in the community with a partner organisation and undertake an “experiential learning activity”. I mention this because I’ve met Macquarie (and UNSW) interns at my volunteer workplace who’ve contributed significantly to various projects - experience that makes them competitive when they graduate. And yes, there’s a PACE unit for English! (I’ll admit that to Usyd’s credit they have the above-mentioned ArtSS Career Ready program.)

tl;dr not all arts degrees are created equal, the better ones include mandatory practical experience.

The People

Secondly, the people teaching your degree. I have thoughts (Thoughts, I tell you) on education as a collaborative effort, which I’ll just boil down to this: your teachers matter. The people you learn alongside with matter. You don’t learn in a vacuum, and yes, while you’re responsible for your education and how much effort you put into readings, assignments, asking questions, and so on, your teachers and tutors play an essential role in how you absorb and understand the material. If you’ve got a lecturer who reads slides out at a catatonic audience, that’s… not helpful. If your course coordinator gives you one-sentence replies to lengthy, well-considered questions, that’s… also not helpful. But if a teacher can engage you with what you’re learning no matter the subject, you’re more likely to develop a genuine interest in it and to do well. Good lecturers and tutors crop up in unexpected places and often at random, and the best way to find them is through word of mouth. In employability terms, these teachers make for sterling referees. If you get to know them enough, they’ll happily vouch for you.

This answer has gotten ridiculously long but I hope it addressed and assuaged any doubts you may have had.

#asks #answered #university #hsc #i guess #for anyone else considering arts #in which i overthink things again #Anonymous

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malvernsmilestudioaus · 3 years ago

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dentistbentleigh-blog · 6 years ago

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prosmiles-dentist-collingwood · 4 days ago

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cosmeticdentistryinfoonline · 6 years ago

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Dental braces work by applying steady pressure to the teeth to reposition them bit by bit into alignment. The medical practitioner or dental practitioner uses metal, ceramic, or ceramic ware brackets and bonds them to your teeth. Arch wires ar rib through the brackets to guide the teeth properly into position. dentistry braces ar sometimes worn for regarding 1-3 years once that retainers replace the braces to carry the teeth in their new position.

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