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Read NGPF's school-by-school analysis of financial education in America today
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Question of the Day
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Teacher Talk
Answer: A lot more than you think.
Watch this 4-minute video from WSJ to learn more
http://video-api.wsj.com/api-video/player/iframe.html?guid=A8F19789-5F44-47A4-997B-92AB24E721B7
Here is some detail on the research study (from the Verge), which found with could find with eerie precision, who a person is just based on three anonymous credit card purchases:
The authors started with three months of credit card transactions from 1.1 million people, provided by an unnamed bank in an unnamedOECD country (the lead author, Yves-Alexandre de Montjoye of MIT, wouldn’t get more specific). They randomly pulled out a few single purchases for each person, then put the entire set in an anonymized database, removing details like names or bank account numbers. The database only gave prices within a range, since knowing that someone spent exactly $3.21 at Starbucks could give them away almost immediately. And researchers dropped super-high payments — more than $22,000 — for the same reason.
But this proved a minor stumbling block. When the authors mapped locations, dates, and prices of someone’s non-anonymous purchases against the whole database, it was usually easy to find a single, unique pattern. With three points or more, it was virtually a certainty. “You bought a coffee at that coffee shop, and you bought jeans at that shop, and then you bought a pizza,” says de Montjoye, by way of example. There’s a 94 percent chance that you’re the only person who did so.
Question of the Day: How Do You Define Financial Well-Being?
What Percent of Consumers Have Subprime Credit Scores?
Question of the Day: Where do most young adults say they learn about personal finance?
Question of the Day: How long does the average user spend on TikTok a day?
Question of the Day: What are the top five gifts consumers plan to give for Valentine's Day?
Tim's saving habits started at seven when a neighbor with a broken hip gave him a dog walking job. Her recovery, which took almost a year, resulted in Tim getting to know the bank tellers quite well (and accumulating a savings account balance of over $300!). His recent entrepreneurial adventures have included driving a shredding truck, analyzing executive compensation packages for Fortune 500 companies and helping families make better college financing decisions. After volunteering in 2010 to create and teach a personal finance program at Eastside College Prep in East Palo Alto, Tim saw firsthand the impact of an engaging and activity-based curriculum, which inspired him to start a new non-profit, Next Gen Personal Finance.
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