Financial Literacy For Young People

The statistics can be shocking. An overwhelming 91 percent of British adults have never received lessons at school on basic financial management, such as budgeting. This suggests that Britain faces a significant gap in financial knowledge as the current generation struggles to equip its children with the financial skills they need. And 30 million (66%) of Britons believe that financial lessons would have provided them with the knowledge and understanding to better deal with the financial challenges of modern life, explains Lapenna. A prominent symptom of this lack of financial education is the increasing debt that many households are experiencing.

It's clear! When it comes to money, many of us are not fully informed of how to manage our money effectively. MyBnk believes that there is a real need to allow new generations to become informed consumers of banks. "Our research has shown that there is inertia about changing banks with more people in the UK getting a divorce than changing banks," says Lapenna, Italian-born and raised in London. Lapenna has international experience in international development with a focus peer education and backward links to micro finance.

The goal of MyBnk is to increase young people's financial literacy and develop their enterprise skills. Its approach is to give them hands-on experience of organizing, running and using financial services, via 'MyBnk Branches' also known as 'MyBnk-in-a-Box'.
This is done in secondary schools and colleges that provide a convenient place for young people to save and take out small, interest-free loans.

Cooperative and individual savings are encouraged. This helps youth put their good ideas into practice by taking out small loans that are used towards the development of entrepreneurial activities.

"We are currently running 7 MyBnk branches and are in the process of signing on 30 new secondary schools / colleges for September," explains Lapenna.

MyBnk also offers fun assemblies, workshops and learning programs to encourage financial and enterprise capacity among young people.

The organization seems to be getting great support from larger social organizations. John Bird, CEO and founder of the Big Issue, says: "When you have money, and you know how to deal with it, then your choices are made freely. independence, choice and education. "

While social enterprise ideas can sound great and be really of help to all, they can also sometimes be difficult to finance and sustainability is another challenge. But MyBnk business model has a vision. "We are a mixed receiver social enterprise so we have a wide funding spectrum from pledges, to grants, to contracts and open market sales," Lapenna said.

Donations made to MyBnk go into core costs, product development costs and delivery costs. "We believe in minimum spending and maximum impact. We have that date managed to have a substantial impact working with 2000 young people on a very small budget," says Lapenna.

Lily Lapenna belongs to the many social entrepreneurs in rise today. She was inspired to set up MyBnk in response to a need, through a very powerful conversation with Michael …

Being Afraid Of Relationships And Overcoming Commitment Phobia

Can there be a cause and effect to this commitment anxiety?

I mean as the Course in Miracles teaches, “Without a cause there can be no effects, and yet without effects there is no cause.”

I’ll explain:

Have you ever tried to understand someone who has fear of commitment in relationships? I have several good friends who have the signs of this type of commitment anxiety.

The majority of them are guys.

They can not select simple things.

They discover it hard to choose on what to eat throughout a fine dining event, they can not choose between two excellent theater shows, even on what to wear in the morning.

Take my longtime friend Mike, for example, had never been involved in serious relationships, considering the fact that even back when he was in his 30’s and is a perfect marrying age for guys.

He is one of my closest good friends and had always been a bachelor with a great career and excellent income.

I believe that he has had commitment phobia in relationships.

He would never accept that idea, which in truth is another characteristic of a person who has commitment anxiety.

About 20 some years ago I had this conversation with Mike:

Me: “Have you ever had a major serious relationship before?

Mike: “Nope.” He, answered.

Me: “Why?”

Mike: “It’s due to the fact that I’m not ready to settle down”.

Me: “What are the things that made you not willing so far to settle down? I asked again.

He simply shrugged his shoulders and paused.

Mike: “It is merely since I’m afraid to dedicate to a nice woman, and I just don’t feel a ‘readiness’ within me to get married at this time. I’m scared that I may not handle it properly and she may try to control me.

Me: “Then you are one of those who hesitate of commitments or the worry of serious obligation and commitment.”

Mike: “Am I afraid of commitment? I don’t think so… “

Is having fear of commitment in relationships not healthy or healthy at all.

Commitment phobia in relationships can truly hold you back, since it is just that life needs us all to unite and be wholly committed to a world where we are all helping each other.

What I mean is, a few short years not too very long after that conversation with Mike, he met a wonderful woman, Mary.

They dated, slowly, the pace picked up, or we may say, deepened, and while both Mike and Mary now in their 40’s, decided to tie the knot.

Yes, they married, and to this day are one of the happiest couples you’ll ever meet.

The Course in Miracles goes on to further teach us that, “The cause of healing is the only Cause of everything. It has but one effect.”

Fear of Commitment

Fear of commitment in relationships might begin from childhood from which an individual suffered from distressing experience, such as separation of parents, divorce, and …

Dental Hygienist Career Information

Dental hygienist vocations are numbered among the fastest developing professions. To become a dental hygienist a person must complete a study course from an licensed dental hygiene school or from an online college. The dental hygienist works closely with the dentist to meet the needs of patients. Every state has its' own particular set of regulations so naturally the types of functions that the hygienist provides will vary. For the most part dental hygienists careers needitate teeth cleansing and orally examining patients for signs of disease. They also examine a patient's neck as well as head for signs of oral disease. Dental hygienists normally teach patients proper oral hygiene care such as teeth brushing, proper nutrition, and flossing. The dental hygienist professional also take and develop X-rays and apply medicinal substances like fluoride treatments and sealants to the teeth as well as take care of dental chart entries, take blood pressure and pulse readings and clean away calculus and plaque from the tooth surface and take teeth impressions for study casts.

Currently there are almost 280 recognized dental hygiene programs available at many universities and online. There are online Masters, associates and bachelors degree courses available. About every state advocates the hygienists to acquire a degree from an approved dental hygiene school but they must also pass a written and clinical exam. Along with being schooled dental hygienists must also become licensed in the State that they will be practicing in.

Job Opportunities

More than half of dental hygienists work part time. The Salaries for this profession lends itself to flexibility. There are full-time, part-time, evening and weekend schedules readily available. Hygienists are a highly sought after professional and most often they work in a dental office setting but they also work in hospitals, nursing homes and public health facilities.


Dental hygienists pay change from state to state. The average entry level dental hygienists pay is $ 45,000 but the making ability grows with experience. …