Which is not an example of a financial intermediary

The correct answer is: "a stock certificate".

A stock cerficate is a legal document that certificates the ownership of a certain amount of shares from a corporation.

On the other hand, a financial intermediary, is an institution which puts in relation the interests of individuals with money saved, and individuals seeking for financing. The excess of liquidity of savers is channeled by financial institutions (such as banks) and lended to finance demandants, in exchange for a retribution, usually in the form of interest payments. Other examples of financial intermediaries, apart from the banking system, are credit unions and insurance companies.

Key findings. Higher levels of education are associated with a wide range of positive outcomes - including better health and wellbeing, higher social trust, greater political interest, lower political cynicism, and less hostile attitudes towards immigrants.More educated people are less likely to be hypertensive, or to suffer from emphysema or diabetes. Physical and mental functioning is also better for the better educated. The better educated are substantially less likely to report that they are in poor health, and less likely to report anxiety or depression.A recent study by Crespo et al. (2014) found that education reduces depression and improves memory. Using data from European countries, Mazzonna (2014) found that additional years of schooling had positive effects on the mental health of men.Those with less education report being in poorer health; they are more likely to smoke, more likely to be obese and suffer alcohol harm (Department of Health 2008).Education typically leads to better jobs, more money and many other benefits, including better health insurance, which leads to better access to quality health care. Higher earnings also allow workers to afford homes in safer neighborhoods as well as healthier diets.The social emotional learning of children is all about developing neutral awareness and thoughtful choices (aka: mindfulness). To be able to respond rather than react, children need to cultivate the executive functions of their neocortex (frontal lobe of the brain) as well as the heart-centered intelligence of their mid-brain limbic system, which houses meaning making and memories.Social emotional learning helps children move out of their lower, automatic “reptilian brain” thinking and into higher, rational thinking and regulation, by establishing rules and activities that promote safety – physical, emotional and social – and teach respectful, kind and compassionate ways to think and behave.There is no doubt that social emotional learning teaches character. Many years ago the question of how does social and emotional development affect learning was investigated. In 1995, New York Times science reporter Daniel Goleman published the book, Emotional Intelligence: Why It Can Matter More Than IQ, which launched the social emotional movement.The case he presents and validates with preliminary evidence is that:Character mattersCharacter can be taughtCharacter improves academic, social, and professional achievementSince then, all subsequent research shows that social emotional learning does, in fact, enhance children’s academic success while preventing problems such as mental health disorders and violence. Social-emotional competencies empower kids to grow self-aware and confident, to manage difficult emotions and impulses, and to embody empathy, which translates to not only improved behavior but also test scores.