Abstract This article reports research into an area of insurance, personal insurance. is important as some suggests that insurance literacy could be related to the level purchased. To consider this potential relationship a detailed analysis interviews with consumers and financial advisers in Australia about their consideration products. The findings reveal have very low levels literacy, which they believe linked underinsurance. Consumers demonstrated trauma being least understood, may lead...

While work‐integrated learning (WIL) is seen as a way to address the call for improved 'employment readiness' and generic skills of graduates, it has been stated that WIL programs need be 'well managed structured' integrated'. To provide such structure integration Professional Development (PD) Program was developed assist students who would undertake internship part their business degree. This paper details evidence impact PD first year compared those undertaking conventional orientation...

ABSTRACT Underinsurance and low financial literacy have been shown to be key issues impacting the effectiveness of personal management. Both are made more important by complex system, an ever moving array products services, progressive move towards self-reliance in retirement. These factors suggest a greater degree independence effective decision-making is required over long-term, both which may undermined underinsurance. Little known, however, about impact illiteracy on propensity seek...

Advice provided by financial planners has the potential to impact and emotional well being of clients. Despite outcomes quality planning relationships, there is little direct evidence support importance 'relationship quality' in planning. Previous research emphasised relationship psychology, nursing, business settings. This investigates determinants client-professional planning, measured a survey clients regarding factors trust, engagement, empowerment, ownership, client activity commitment....

Similar to many developing nations, Bangladesh's small and medium sector enterprises (SMEs) constitute some 90% of all businesses play an important role in the country's economic growth employment. This study investigates nature extent relationships between complexity Value Added Tax (VAT) legislation, costs compliance with VAT Bangladesh, non-compliance (either intentional or unintentional) legislation by Bangladeshi SMEs. These results could be as it appears that SMEs are under-represented...

Studies have found that the use of professionals and industry representatives can enhance students' confidence their self-belief (Subramaniam & Freudenberg, 2007). Self-efficacy is an important measure individual's capacity to cope with learning performing, whether at university or in workplace. Bandura's social cognitive theory defines self-efficacy as 'beliefs one's capabilities organize execute courses action required produce given attainments' (Bandura, 1997, p.3). The importance a...

Abstract International students studying a Master of Professional Accountancy (MPA), or equivalent postgraduate degree in accounting, Australia were designed to fill the skills shortage gap for accountants, but employability rates appear low at 25% compared 75% domestic graduates. University work integrated learning (WIL) programs have been implemented provide opportunities increase employability, yet participation international low. This study uses an exploratory, qualitative approach, with...

The skills required by a student to excel both academically and in their chosen professional careers have been identified many institutions, can be referred as 'generic capabilities'. These generic capabilities extend from interpersonal skills, problem solving, oral communication career skills. In recent years concerns raised about gap emerging between graduate attributes developed university degrees what industry requires (Yap, 1997; Albrecht Sack, 2000; Kavanagh Drennen, 2008). This is...

Approximately 40% of graduate recruitment in Australia is by small and medium accounting (SMA) firms, firms which can face different constraints compared to their larger counterparts. Given the attributes SMA it important appreciate what they consider makes a work ready graduate. This article reports findings study that explores when commencing employment within an Australian firm. The suggest for firm has working knowledge understanding business software programs, taxation tax skills....

Work-integrated learning (WIL) is a risky business in higher education. The strategic opportunities that WIL presents for universities cannot be achieved without taking on unavoidable legal risks. University lawyers are involved with managing the risks as part of their internal delivery services to universities. It important identify potentially arise, so these can then managed. A case study involving Australian university reveals 'program risks' WIL. Program risk type relates conduct...

Australians' high use of personal debt is, in part, attributable to the relaxation financial services regulation. There is concern that while has potential increase a person's wealth, if used ineffectively it can have opposite effect. This paper details study 680 Australians ascertain whether their capability related effective debt. The findings suggest appears people with greater are more likely effectively.