The Iowa Homemaker vol.4, no.12

Table of Contents How Shall the Family Invest Its Savings? by Dr. Hazel Kyrk, page 1 The Home Economics Vodvil by Thirza Hull, page 2 The Junior-Senior Banquet by Alma Riemenschneider, page 3 With the Iowa State Home Economics Association by Avis Talcott, page 4 Electricity in the Home by Fred C. Fenton, page 5 Perennials for Perpetual Bloom by Juanita Beard, page 6 Editorial, page 7 The Eternal Question, page 8 Who’s There and Where by Pearl Harris, page 9 Homemaker as Citizen, page 9 Spring Offers Us a Change by Margaret Taylor, page 10 A Spring Tonic by Viola Jammer, page 1

How Shall the Family Invest its Savings

Today saving and investment go hand in hand. No one tries to build up a private hoard of gold coins and bank notes, hidden under the heartllike Silas Marner. Both for the sake of safety and of income we take advantage of one of the many ways by which we can get our savings into the hands of those who wish to use them productively. Thus individual savings become social capital, and factories are built, railways are extended, farms are improved, as a result of the family's desire to provide for the future.</p

The Iowa Homemaker vol.4, no.12

Table of Contents How Shall the Family Invest Its Savings? by Dr. Hazel Kyrk, page 1 The Home Economics Vodvil by Thirza Hull, page 2 The Junior-Senior Banquet by Alma Riemenschneider, page 3 With the Iowa State Home Economics Association by Avis Talcott, page 4 Electricity in the Home by Fred C. Fenton, page 5 Perennials for Perpetual Bloom by Juanita Beard, page 6 Editorial, page 7 The Eternal Question, page 8 Who’s There and Where by Pearl Harris, page 9 Homemaker as Citizen, page 9 Spring Offers Us a Change by Margaret Taylor, page 10 A Spring Tonic by Viola Jammer, page 12</p

Empowerment of Whom and for What? Financial Literacy Education and the New Regulation of Consumer Financial Services

Financial regulators in many states recently have obtained statuory mandates to enhance consumer financial literacy. This paper investicages the development of policy pursuant to such mandates in the UK and Canada to identify how national regulators in both countries represent financial market place. It finds that regulators in both countries represent financial education as empowerment and responsible consumer behaviour. The paper rekates the tension between empowerment and responsibilization aspects of literacy enhancement to policy goals of expectations of protection. It raises questions about regulators' use of consumer education to responsiblize consumption of financial products and calls for further research on the international growth of financial literacy education as a regulatory project