The goals of this study were to explore gender differences in the components of financial literacy (financial knowledge, financial attitude and financial behavior) and financial satisfaction, and to explore gender differences in the relationship between financial satisfaction and the financial literacy components. Analyses conducted on a data collected on a large and heterogeneous sample of Croatian citizens (N = 900) showed that men scored higher on some financial literacy variables and were more financially satisfied. Moreover, in the male subsample there were significantly stronger correlations between financial satisfaction and some financial literacy variables (rational financial attitude, self-assessment of financial management and monitoring expenses) when compared to the female subsample. In addition to demographic variables, significant predictors of financial satisfaction in both gender groups were primarily financial behaviors. Financial attitude component explained additional financial satisfaction variance for men but not for women. Financial knowledge as the third component was not a significant predictor of financial satisfaction for either gender.

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Mirovinska pismenost i štednja za treću životnu dobKljučne riječi: mirovinska pismenost, informiranost, privatna štednja, primjerenost mirovinskih primanja, mirovine, treća životna dob.128 Rev. soc. polit., god. 18, br. 2, str. 127-148, Zagreb 2011. Škreblin Kirbiš I., Tomić I., Vehovec M.: Mirovinska pismenost i štednja...

Through international experience students acquire new knowledge and skills, thus becoming a valuable potential resource for the recovery of the Croatian economy. However, it is not clear whether, after having completed their studies, their greater competitiveness and new perspectives generate a greater tendency to stay in Croatia or to look for a job abroad. In this paper, on a sample of 118 students who study economics, we investigate emigration tendencies and attitudes related to them as well as international experience as possible predictors of emigration tendencies. Results reveal that 20% of students indicate a tendency to emigrate, 30% are undecided and 50% do not indicate a tendency to emigrate. Students who hold a more negative general attitude towards Croatia and who perceive the total circumstances in a foreign country (pull factors) to be more attractive, are more willing to emigrate. When predicting emigration tendencies with individual push–pull factors, results indicate that the strongest predictor is job opportunities. Students who assess job opportunities as being more attractive abroad than in Croatia, who hold a more negative attitude towards Croatia and who have more international experience are more willing to emigrate. Therefore, an important strategy for keeping young highly skilled people with international experience is by creating job opportunities for them.