Tijuana w/ euro5tar (prod. slaywitme2k + angelravee)

HARD HOUSE BABY

LOVELIVESERVELOVELIVESERVELOVELIVESERVE
LOVETOSERVELOVETOSERVELOVETOSERVE

euro + peso - loveliveserve freestyle prod me

Happy Hardcore track by Dutch producer Univer. Released on Kool Katz Digital. 

Univer - Happy Hardcore 2.0 (Original Mix) ***OUT NOW***

Heart beating fast when meeting her potential lover in a Disco Club

Electro Heart

This song describes a brave single mother raiding her child, working to feed the family. She learnt to write a book and eventually became a very successful author.

She’s my Hero

fuckyoufuckingfuck

We need financial literacy to make good financial decisions. But did you know that half of Europeans have low financial literacy levels, and that 60% of them are women?

Our host Stefania Secola talks to Annamaria Lusardi from Stanford University about what financial literacy is, why it matters and how we can improve it, especially among women.

The views expressed are those of the speakers and not necessarily those of the European Central Bank.

Published on 13 March 2025 and recorded on 7 March 2025.

In this episode:

00:01 Commitments made by central banks
How did central bank Governors commit to improving financial literacy in their respective countries? What are the desired outcomes? 

00:27 Looking at the numbers 
How financially literate are Europeans? How big is the gap between men and women? And what can we do about it?

01:55 Financial literacy defined  
What is financial literacy? How does it relate to financial independence?
 
03:58 Measuring financial literacy
There are three simple questions, known as the “Big Three”, that experts use to measure financial literacy. Can you, our listener, answer them?

05:59 Why central banks care about financial literacy
Why does financial literacy matter for central banks? How does it relate to the effectiveness of monetary policy  and trust in what a central bank does? And how does it affect banking supervision?

10:53 Financial knowledge in Europe
Why is financial literacy in Europe so low? What can we do to increase the overall level of financial literacy among Europeans? 

12:30 When to start addressing financial literacy
When is the best time to improve people’s financial literacy? Is it limited to schools or are there also other teachable moments?

15:50 The gender gap in financial literacy
Why is there this gender gap and why is it a problem? What can we do to make sure that half the population isn’t left behind?

20:14 The role of fintech
Does fintech complement financial literacy? What risks do gender differences in digital literacy pose when it comes to using fintech?

22:26 The road ahead
Central banks made five commitments to improve financial literacy. What are these commitments?

24:50 Financial literacy question: answer revealed 
We answer the first “Big Three” question. Listen and see whether you chose the correct answer!

25:45 Our guest’s hot tip
Annamaria shares her hot tip with our listeners. 

Further reading: 

Annamaria Lusardi’s research
https://www.annamarialusardi.com/research/

ECB International Women’s Day Event 2025
https://www.ecb.europa.eu/press/conferences/html/20250307_intl_womens_day.en.html

The ECB Blog: The gender gap at work is closing – but slowly
https://www.ecb.europa.eu/press/blog/date/2025/html/ecb.blog20250307~85fd774bd3.en.html

The “Big Three” and “Big Five”
https://gflec.org/education/questions-that-indicate-financial-literacy/

Chart: Gender gap in financial literacy is pervasive, incl. the young, well educated and high income
https://www.youtube.com/watch?v=ZvVzgcXCFBw&t=222s

ECB Instagram
https://www.instagram.com/europeancentralbank/ 

European Central Bank
www.ecb.europa.eu 

ECB Banking Supervision
https://www.bankingsupervision.europa.eu/home/html/index.en.html

Mind the gap: gender and financial literacy

UK lyrics with punch kick and heavy 808 with melodic back vocals to set the energy.

Millie Rose Dobree - Aaja Channel 1 - 01 03 25

PO KYSUCKY

Zákopecká polka; Šuhajko kaľina; Mi sme štirja braťja; Na tej lúce zeľenéj; Kebi mi, kebi mi (Zákopčie)

Ej, moja milo se vydovo; Zahrajce mi, javorova husľički; A jo svojej babce (Vysoká nad Kysucou-Kelčov)

Muziky z Javorníkov

Ze suchého javora; Kedz som išol od Vičína (Petrovice-Setechov)

Hej, oščadňicke vrški (Oščadnica)

Už som sa pozabol; Vajčovské ďjevčatá; Dobre šuhajkovi; Klučiarikova cifra; Hore Kisucami (Horný Vadičov)

Hora, hora, dubovina; Dobrí večer prajem, hudcovia moji; Čo nám naši reknú; O čo sme stáľi; Daj, daj, daj, Bože, požehnaj; Páľené, ňeškodz mi (Mestečko a okolie)

Vždicki sym si mysľol (Turzovka)

Dáždžiček mrhoľí; A tá naša zahradka; Za Dunaj (Štiavnik)

Poňižej Zborova; Žjaden to ňevjedol (Stará Bystrica)

New Orleans Trap, future bass producer. More music coming soon.

Welcome to the Soundcloud page of 'Kool Katz Digital'. A music label that will cater for a variety of styles in Hardcore music, and it doesn't follow trends. If it's a good tune, it's a good tune!

Old school sound engineer / producer  / composer from the electronic music era of the 80s. I like songs with strong melody and dynamic development.

TECHNO/HARDGROOVE/UKG/TRANCE/HOUSE
Insta: @jezleite1
email: jeremyleite5@gmail.com

Aaja is a multi-purpose community radio station, event space, record label and bar. Situated in the heart of Deptford at the Snake Pit, the local cultural hub hosts an eclectic mix of radio hosts, DJs and events. Open since 2018, AAJA has provided a space that has nurtured and aided the growth of creative minds and groups within South-East London and beyond. 

‘A unique hi-spec sound installation that’s non-intrusive, but heavy for the heads’ 

‘An authentic melting pot, dedicated to music and culture’

www.aajamusic.com

The European Central Bank Podcast – bringing you insights into the world of economics and central banking. 

Our hosts Paul Gordon and Stefania Secola talk to experts about the topics and trends that matter to the eurozone economy today.

The views expressed are those of the speakers and not necessarily those of the European Central Bank.

LIVING FOOKIN BLOODY LEGENDDD
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Unreleased Songs and Experiments

New tracks tagged #Euro