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Insufficient funds : make the right money decisions to bring your big plans to life
Whether you dream of security and home ownership, you're building your career, or you want to grow your family - it's time to figure out what you want from your money. And then make it happen. Financial adviser James Millard cuts through the jargon and shares a simple framework for making better money decisions and achieving your goals. This is a comprehensive guide to personal finance that recognises the realities and challenges of balancing your life with your spending.
BOOK
The Persuasive Power of Algorithmic and Crowdsourced Advice
Prior research has shown that both advice generated through algorithms and advice resulting from averaging peers' input can impact users' decision-making. However, it is not clear which advice type is more closely followed and if changes in decision-making should be attributed to the source or the content of the advice. We examine the effects of algorithmic and social advice on decision-making in the context of an online retirement saving system. By varying both the advice's message and the attributed messenger, we assess what it is about the advice that people follow. We find that both types of advice have a positive effect on users' saving performance, and that users follow advice presented as coming from an algorithmic source more closely than advice presented as crowdsourced. Our results shed light on how people view and follow online advice, and on information systems' persuasive effects under conditions of uncertainty.
Journal Article
The relevance of financial literacy : theory, research, and metrics
This text provides a general overview on the topic of financial literacy. It includes various theoretical and technical aspects such as definitions, global data, and information on the level of financial literacy, metrics, critical perspectives, and an analysis of the relationship with financial outcomes. The book also includes recent research evidence on modern challenges related to financial literacy such as digitalization and sustainability.
BOOK
UK Internet antenatal dietary advice: a content accuracy and readability analysis
The aim of the study was to assess the accuracy and readability of Internet prenatal nutrition advice. Between August and December 2018, 130 Internet pages returned from Google searches on foods to avoid, foods to eat and supplements use were compared with UK government advice for pregnant women. Readability was assessed using the Flesch Readability Ease (FRE) tool. Descriptive and non-parametric tests were used. Spearman’s correlation explored associations between accuracy and readability. Kruskal–Wallis tests with Bonferroni correction were used for multiple pairwise tests and Mann–Whitney U tests for two-sample differences in medians. A total of 130 Internet pages were examined: 48 % from publishers, 27 % from other commercial organisations, 22 % from charities and 3 % from governments. Eighty-three (64 %) pages contained inaccurate and accurate advice, twenty-three (18 %) were accurate and complete, twenty-one (16 %) were inaccurate, and three (2 %) lacked any relevant advice. The median percentage accuracy of all advice was 83 (lower quartile, upper quartile: 48, 100). Median FRE was 55 (46, 61) ‘fairly difficult’. Eighty-seven pages (67 %) scored below the recommended FRE for public Internet pages. There was a weak positive correlation between accuracy and readability of Internet pages (rho = 0·241, P = 0·006). Accuracy of Internet pages did not differ by dietary theme. Pages on supplements were the most difficult to read. Internet pages from publishers and other commercial organisations were significantly less accurate than those from not-for-profit organisations (median percentage difference –8 (–29, 0·00), P = 0·019). Much pregnancy-related dietary advice online is inaccurate and difficult to read. Advice should be developed in consultation with qualified nutritionists and dietitians.
Journal Article
Who owns this sentence? : a history of copyrights and wrongs
An exploration into how copyright has become a tool of unprecedented power and wealth for the few, widening the gap between the richest and poorest in society.
Book
Scoring the Ethics of AI Robo-Advice: Why We Need Gateways and Ratings
Unlike the many services already transformed by artificial intelligence ( AI ), the financial advice sector remains committed to a human interface. That is surprising as an AI-powered financial advisor (a robo-advisor ) can offer personalised financial advice at much lower cost than traditional human advice. This is particularly important for those who need but cannot afford or access traditional financial advice. Robo-advice is easily accessible, available on-demand, and pools all relevant information in finding and implementing an optimal financial plan. In a perfectly competitive market for financial advice, robo-advice should prevail. Unfortunately, this market is imperfect with asymmetric information causing generalised advice aversion with a disproportionate lack of trust in robo-advice. Initial distrust makes advice clients reluctant to use, or switch to, robo-advice. This paper investigates the ethical concerns specific to robo-advice underpinning this lack of trust. We propose a regulatory framework addressing these concerns to ensure robo-advice can be an ethical resource for good, resolving the increasing complexity of financial decision-making. Fit for purpose regulation augments initial trust in robo-advice and supports advice clients in discriminating between high-trust and low-trust robo-advisors. Aspiring robo-advisors need to clear four licensing gateways to qualify for an AI Robo-Advice License (AIRAL). Licensed robo-advisors should then be monitored for ethical compliance. Using a balanced score card for ethical performance generates an ethics rating. This gateways-and-ratings methodology builds trust in the robo-advisory market through improved transparency, reduced information asymmetry, and lower risk of adverse selection.
Journal Article
The 5 types of wealth : a transformative guide to design your dream life
We're constantly told that money is the shortcut to a good life, the only type of wealth worth pursuing. But what would it mean to lead a truly wealthy life? It may involve money, but in the end, it will be defined by everything else. In 'The 5 Types of Wealth', Sahil Bloom offers a transformative guide, full of practical steps and actionable insights, for redesigning your life around five types of wealth: time, social, mental, physical and financial. The result is a deep satisfaction and happiness you can build and maintain across the seasons of your life.
BOOK
Association of Emergency Department and Medical-Surgical Nurse Staffing on Patient Departures Against Medical Advice
A patient departure against medical advice is an adverse event driven by patient care dissatisfaction and is associated with higher odds of hospital readmissions and death. Given evidence that better hospital nursing resources are associated with improved patient satisfaction, we evaluated whether nurse staffing ratios are associated with rates of emergency department patient departures against medical advice.
Cross-sectional design using data from 3 sources: 2023 Penn Nurses4All survey, the 2023 Agency for Healthcare Research and Quality Healthcare Cost and Utilization Project State Emergency Department Database of patient emergency department visits in New Jersey and Oregon, and the American Hospital Association Annual Survey. Patient-to-nurse staffing ratios were measured among direct care nurses in emergency departments and medical-surgical units. Logistic regression models were constructed with nurses and patients clustered within hospitals, with adjusted models accounting for patient and hospital characteristics.
The sample included 2,211,244 emergency department patient visits in 74 hospitals. After adjusting for patient and hospital characteristics, each additional patient added to an emergency department and a medical-surgical nurse’s workload was associated with 19% and 55% higher odds of an against medical advice departure, respectively (emergency department, adjusted odds ratio, 1.19; 95% CI, 1.09-1.31; P < .001; medical-surgical, adjusted odds ratio, 1.55; 95% CI, 1.33-1.81; P < .001).
Increases in nurses’ workloads, both in the emergency department and inpatient setting, were associated with more emergency department patients leaving against medical advice. When nurses care for more patients at a time, patients are attended to less frequently, which can result in more self-directed patient departures. Insufficient staffing in medical-surgical units contributes to longer length of stay and lower inpatient bed turnover. Hospital investments in safer staffing may reduce against medical advice departures.
Journal Article
Enterprise System Implementation and Employee Job Performance
The implementation of enterprise systems, such as enterprise resource planning (ERP) systems, alters business processes and associated workflows, and introduces new software applications that employees must use. Employees frequently find such technology-enabled organizational change to be a major challenge. Although many challenges related to such changes have been discussed in prior work, little research has focused on post-implementation job outcomes of employees affected by such change. We draw from social network theory—specifically, advice networks—to understand a key post-implementation job outcome (i.e., job performance). We conducted a study among 87 employees, with data gathered before and after the implementation of an ERP system module in a business unit of a large organization. We found support for our hypotheses that workflow advice and software advice are associated with job performance. Further, as predicted, we found that the interactions of workflow and software get-advice, workflow and software give-advice, and software get- and give-advice were associated with job performance. This nuanced treatment of advice networks advances our understanding of post-implementation success of enterprise systems.
Journal Article