RESUMENEl alfabetismo financiero (af) se entiende generalmente como un bien económico cuyo consumo el individuo decide sobre la base de su aporte esperado en la toma de decisiones financieras. Sin embargo, este marco conceptual no ha sido puesto a prueba empíricamente. En este trabajo se analiza la variación en el af de individuos que experimentan eventos del ciclo de vida, observables en los datos y de presumible repercusión en las finanzas personales. El análisis de un panel de aproximadamente 12.000 individuos muestra que de 17 eventos seleccionados, 13 evidencian una correlación con las decisiones financieras, pero solo uno de ellos, la capacitación laboral, resulta asociado a un cambio en el af. Esta evidencia pone en tela de juicio la conceptualización del af como bien económico, y se suma a un grupo de trabajos que, por una u otra razón, han cuestionado la solidez conceptual del af. PALABRAS CLAVEFinanzas, consumo, educación del consumidor, medición, evaluación, análisis matemático, Chile

We study the long-run dynamic and predictive connection between atmospheric carbon dioxide (CO2) concentration and the probability of hydrometeorological disasters. For a panel of 193 countries over the period 1970-2016 we estimate the probabilities of hydrometeorological disasters at country levels by means of Bayesian sampling techniques. We then separate the effects of climatological and sociodemographic factors (used as proxies for exposure and vulnerability) and other country-specific factors, from a global probability of disasters (GPOD). Finally, we subject these global probability time paths to a cointegration analysis with CO2 concentration and run projections to year 2040 of the GPOD conditional on nine Shared Socioeconomic Pathways scenarios. We detect a stable long-term relation between CO2 accumulation and the GPOD that allows to determine projections of the latter process conditional on the former. This way, we demonstrate that generally and readily available statistical data on CO2 global atmospheric concentrations can be used as a conceptually meaningful, statistically valid and policy useful predictor of the probability of occurrence of (global) hydrometeorological disasters.

Nuestra propuesta de trabajo como equipo posiciona el sonido como parte integral de la experiencia etnográfica transmitida al lector/oyente, esto gracias a su capacidad de describir, contextualizar y/o evocar aquellos escenarios, voces, melodías y emociones que, como un todo, nos sitúan en el terreno mismo de la práctica etnográfica. Los paisajes sonoros, empleados con diversos énfasis dentro de nuestro trabajo, serán estudiados como una herramienta etnográfica independiente de los dispositivos gráficos y textuales. Se trata así de una estrategia reflexiva que busca revisar las distintas facetas exploradas en el ámbito de los paisajes sonoros y destacar sus potencialidades como transmisores de significado. En este artículo se discutirá dicha apuesta metodológica a la luz de los resultados de dos proyectos de investigación realizados en Azapa (extremo norte de Chile): “Azapa. Música para los Muertos” (2006) y “Azapa. El Ño Carnavalón” (2008), y de un proyecto desarrollado en Isla Mocha (zona centro-sur), “Mocha. Memorias Loberas” (2007).

We study the long-run dynamic and predictive connection between atmospheric carbon dioxide (CO2) concentration and the probability of hydrometeorological disasters. For a panel of 193 countries over the period 1970-2016 we estimate the probabilities of hydrometeorological disasters at country levels by means of Bayesian sampling techniques. We then separate the effects of climatological and socio-demographic factors (used as proxies for exposure and vulnerability) and other country-specific factors, from a global probability of disasters (GPOD). Finally, we subject these global probability time paths to a cointegration analysis with CO2 concentration and run projections to year 2040 of the GPOD conditional on nine Shared Socioeconomic Pathways scenarios. We detect a stable long-term relation between CO2 accumulation and the GPOD that allows to determine projections of the latter process conditional on the former. This way, we demonstrate that generally and readily available statistical data on CO2 global atmospheric concentrations can be used as a conceptually meaningful, statistically valid and policy useful predictor of the probability of occurrence of (global) hydrometeorological disasters.

Financial literacy (fl) is generally regarded as an economic good which individuals choose whether or not to consume depending on how much of a contribution they expect it to make to the quality of their financial decision-making. This construct has not, however, been tested empirically. In this study we analyse variations in fl on the part of individuals who experience major life-cycle events that show up in the data and that can be assumed to have repercussions on their personal finances. The analysis of a panel made up of approximately 12,000 people indicates that there is a correlation between 13 of the 17 selected life events and financial decisions, but only one of those events (job training) is associated with a change in fl. This evidence casts doubt upon the conceptualization of fl as an economic good and is in line with a series of other studies that, for one reason or another, have questioned the soundness of the current conceptual approach to fl.