<< Background >>Digital financial literacy (DFL) becomes an increasingly important aspect of adult education for the Digital Age, especially in a COVID-19 hit world where women find themselves among most vulnerable groups due to she-cession, their withdrawal from labor markets around the world. Therefore, Partnership behind the #FLIGHT seeks to develop digital finance skills of Eastern European female expatriates for their better socio-economic inclusion into host communities, financial independency, personal growth and resilience as well as sustainable saving and investment patterns in Digital Age. If You are women, she-cession makes it even bigger priority to manage Your own income, savings, insurance, investments and other economic activities in smart and safe way. Digitally and financially literate women are more skilled, resilient and self-confident, and therefore more successful in securing safe and sustainable financial future for themselves, their children and families, thus reducing their poverty risk. With the help of #FLIGHT they will be able to have a higher level financial sophistication to make effective use of fintech products & services, avoid miss-selling, frauds such phishing, hacking or romance fraud, unauthorized use of data, discriminatory treatment and other costly mistakes. Economic behaviors of expatriates are highly dependent on the economic maturity of the state they come from, their individual financial literacy skills, the accumulated wealth, and the socio-economic policy measures hosting country imposes. For these reasons, the countries of the EU have quite significant structural differences, with the citizens from Eastern European member states or those outside the EU exhibiting poor diversity in the structure of the financial assets. This is determined by painful historical experiences of post-soviet societies. The digital financial market instruments are still a source of concern and fear for many, and they are choosing investments that can be grasped and made easier to understand, e. g. real estate or low-interest bank deposits.With its 1st objective, the #FLIGHT is about to improve overall DFL of Eastern European female expatriates, especially settled down in outnumbered ethnical communities in geographically remote areas in Scandinavian countries. Four training curricula (intellectual outputs) will be developed; on DFL improvement for participant personal needs and/or self-employment (IO1); on investment, especially eco/sustainable/green one, and on increasing one’s level of personal risk tolerance via online Personal Risk Tolerance Test (IO2); on digital identity safety and fraud, with an innovative tool for romance fraud simulation, based on human psychological patterns (IO3).All the above-mentioned curricula will undergo intense piloting in line with the methodology of the Help club (IO4), an informal network for female expatriates’ emotional support through sharing and caring as well as teamwork in practising saving, investment, self-employment, networking and other economic activities. The 2nd objective focuses on providing Eastern European female expatriates with better opportunities for their smoother socio-economic inclusion into host communities via linguistic support that will be provided as networking and piloting in local official languages. The combination of digital financial training along with practicing local official language makes the #FLIGHT deliverables unique and innovative, making female expatriates ready for the flight to the more financially secured future.<< Objectives >>Unsatisfactory economic conditions, insufficient local wages or even unemployment takes many of Eastern European women abroad as so-called economic migrants. Although working life in Scandinavia or Germany is among the most regulated in Europe, Eastern European workers are also here marginalized, invisible and to various degrees exploited. Their jobs are often poorly paid, poorly regulated, monotonous, dirty and sometimes dangerous, a study from Nord University (Norway) shows. And those who feel satisfied with, often live in ethnically-closed communities, in small apartments together with many others. In addition, the language barrier often makes it more difficult for them to be informed about opportunities for better employment or non-formal/informal adult education. If they eventually learned the language, some jobs are simply not available to Eastern Europeans. They are seldom called for interviews, and they seldom receive answers on their job applications. Eastern Europeans are for instance not viewed as suitable for customer service jobs, the field mostly dominated by women, Norwegian researchers point out.Economic migrants are expected to work hard and settle for little. Anyway, they manage to meet their own financial goals. However, their financial preferences remain poor, with realty as the top-notch for secure against inflation. By the way, Lithuanians stand out here for not diversifying their investments and directing them only to real estate. According to economists, this is a result of poor financial literacy in post-soviet countries. During the Soviet occupation, it was more difficult to buy one's own home, so when such an opportunity arose, people rushed to take advantage of it and were more sceptical about, for example, gold, artworks or securities with higher price fluctuations.Project outcomes will result in overall changes in Eastern European female expatriates socio-economic behavior because of their higher level of digital financial literacy, DFL, that will be achieved through 4 intellectual outputs.●Female economic migrants will develop sustainable DFL patterns, leading to their financial independence, self-employment practices, and more diverse saving tools & investments, including stock market, mutual lending platforms, alternative vehicles such as artworks or antiquities, etc.●Digitally and financially literate women will find themselves more confident, resilient and safe in on internet and other online platforms.●A Help Club, a female platform for practicing DFL skills, will provide participant women to show up as financial governors/managers, administrators/money counters, advisers/consultants, etc. Some of them hopefully will start their own individual entrepreneurial practices.<< Implementation >>The project will develop four intellectual products:IO1. DFL for personal needs and/or self-employment (course/curriculum –training scheme). Theoretical part will include fixed and variable expenses, digital tools for money management (apps; spreadsheets; bank reports, etc.); local taxation; commercial law basics, saving schemes and its diversification; retirement planning; loans and mortgages; factoring; wills and inheriting, etc. Leader – Germany + co-leader – Lithuania. IO2. Investments and Online Personal Risk Tolerance Test (course/curriculum –training scheme). Topic will include types of investment tools; their pros and contras; stock market participation; health and retirement investments; early retirement–worth or not; moneylending platforms; local bank/credit union for loan/mortgage/credit line, etc. For risk tolerance measuring an online Personal Risk Tolerance Test will be developed. Leader – Denmark + co-leader Norway. IO3. Digital Financial Identity Safety & Theft (course/curriculum – training scheme). Topics will include digital identity and its verification online; products, applications, processes used in providing banking and financial services; special attention paid to romance fraud (scamming someone out of money by pretending to want a relationship has been on the rise during lockdown; women more often become victims, with Lithuanian women alone lost some €130.000 in 2021 compared to €90.000 lost due to e-shopping fraud, Lithuanian Bank announced), etc. Leader – Norway + co-leader Lithuania. IO4, a Help Club, will be a piloting and networking field for the FLIGHT's intellectual outputs. It will look like an informal network for female project participants, allowing its members to raise and achieve their short, medium or long-term financial goals, providing them with practical training in money saving, money lending, investment, digital financial safety, etc. based on project intellectual outputs. Practical tasks for the piloting of IO1 will include e-invoicing; e-billing, cash/cashier operations, down payments/payments, balancing, general ledgers, other official e-documentation; preparation of commercial agreements; etc. Practical tasks in the IO2 piloting will be focused on investment risk tolerance, using Online Personal Risk Tolerance Test. The degree of uncertainty one is willing to take on to achieve potentially greater rewards. If an individual's risk tolerance is low, investments will be made conservatively and will include more low-risk investments and less high-risk investments, however the latter are more profitable.Practical training for IO3 will include digital identity protection situations, with ©Romance Fraud Simulating Tool used.Club is considered to be a silver bullet solving practical issues of women financial empowerment, especially increasing their self-confidence and resilience through networking.<< Results >>Partnership expects that project target group, Eastern European female expatriates, will1) Deepen their knowledge in digital and financial literacy, including but not limited to personal finance, taxation, investment, especially sustainable one, fintech products and services available in every partnering country and EU in general, 2) Raise their awareness in digital financial risks and their control, getting better skilled to manage them properly, 3) Increase their knowledge of consumer rights and redress procedures;4) Get peer-to-peer support, sharing and caring in Help clubs, the informal networks for practicing digital financial literacy skills.

"It is accepted that people gaining qualifications has an impact on economic growth, and on promoting social inclusion and sustainable employment. Skills have become the key drivers of individual well-being and economic success in the 21st century. The pace of innovation, technological transformation, digitalization and globalisation requires all people to engage in lifelong learning for upskilling, re-qualification or skills updating purposes. ICT skills have become essential to differentiate and modernize the study process in all stages of education, making it more conveniently accessible to every individual and relevant to the needs of adults trying to enter the European labour market. Distance education, distance learning, e-learning are modes of delivering education to students who are not physically present in a traditional setting such as a classroom. This is exactly the focus of the project aiming to define and validate innovative models, approaches and tools supporting personalized, active and engaging adult learners' personal development processes, based on self-awareness. The aim of the project is:* to work out digital courses; * to modernize adult education by introducing digital learning;* to bring adult educators and adults’ learners together in the face of new societal challenges towards a brighter, more connected future;* to fight unemployment;* to develop the skills of low-qualified adults and prepare them for job opportunities;- enhance and enforce adults’ engagement and motivation by implementing self-awareness/evaluation tools, inclusive guidance and learning solutions supporting reflective, engaging and active behaviours;*digital online training courses;* to improve content and delivery of adult education;* to provide with a tool assessing the level of crucial skills to use in adult learning contexts;*Improve leadership skills, digital skills, communication, interpersonal skills and language skills;*strong soft skills for a successful future career or business;*necessary steps and knowledge; *entrepreneurship skills; The Training Courses will have open access resources specifically aimed at: low qualified adults, NEETs, young people with fewer opportunities, training practitioners, teaching organisations, colleges and independent professionals in the field of youth employment, education and training. Key competences are those which all individuals need for personal fulfillment and development, active citizenship, social inclusion and employment. The project goes one step further for the results of the CREW project and is dealing with Personal, social and learning to learn; Cultural awareness and expression, Digital Skills, ICT, e-learning, soft skills. Although the key competences are all considered equally important, because each of them can contribute to a successful life in a knowledge society, the partnership has selected the aforementioned competences as they are more close to their experience and professional capacity.IO1 Training Course in Digital Literacy is a very crucial part to develop the skills of adults and appeal to a wide range of users and stakeholders. The content will be clear, accessible and easy to use and can be applied to a number of different scenarios, countries and organizations. IO2 will be a Training Course on ""Career Management Skills"" in order to develop the interpersonal, intrapesonal skills of adults and management skills as well as IO3 Training Course on Communication and self improvement skills where adults will work on their communication skills and further self-improvement. Furthermore, IO4 the Self-test of appropriateness as an Entrepreneur is an important self-evaluation and assessment to test the leadership skills of adults, their empowerment, creativity and resilience. Thus, the partners will support improving the Quality and Innovation of adult learning processes of low-qualified adults with such a variety of training systems, institutions and practices. They will also highlight the importance of new key competences for each adult, the usefulness of the materials, the understanding and recognition of skills and qualifications in European and beyond, as well as interconnections between formal, informal education, vocational training and other forms of learning and labour market respectively; they will help improve the position and social perception of low-qualified adults in the labour market and education.Finally, the project will strengthen the occupational/career profiles of job seekers and young adult professionals. It will educate properly and teach adults how to properly become responsible adults, how to successfully enter the labour market, how to cultivate valuable skills that will help them in the future, but also to develop those skills in a way that is interesting, intriguing and fulfilling for them. This can ultimately increase their love for knowledge, expand their horizons and critical thinking."

<< Objectives >>FPS aims to develop and strengthen self-confidence and self-concept through soft skills and Emotional Intelligence in the target group, enabling them to achieve an adequate level of empowerment and coping with situations of male harassment in public spaces.<< Implementation >>WP1 Management and qualityWP2 Desk research and compilation of best practices in equalitarian companiesWP3 Training system for managersWP4 Toolkit to empower professional women with soft skillsWP5 Promotion and dissemination• 6 multiplier events• 3 TPM<< Results >>TANGIBLE RESULTS:• A European desk research.• A handbook for managers• 24 training pills• 24 practical tools• 2 trainingsRESULTS RELATED TO MANAGEMENT- Managing guidelines;- Reporting procedure and administrative guidelines;RESULTS RELATED TO QUALITY- Evaluation tools and reports.- Project risks analysis.RESULTS RELATED TO PROMOTION- Project graphic design;- Social networks profiles;- Project website;- Newsletters;- Informative brochure

#WISE has two objectives. The 1st objective is to support crafts&arts women in acquiring and developing basic skills and key competences in digital literacy, innovation and technological manufacturing solutions for better realization of their creative ideas and production, and the 2nd objective is to extend the supply of high-quality learning and networking opportunities for women in crafts&arts and contemporary creative industries market trends. Innovation is the process of turning a new concept into commercial success or widespread use. There is no creativity without innovative thinking. Due to COVID-19, we begun to face problems that are too difficult to solve in traditional ways. Sustainable energy, recycling, and the very idea of making more, but from as few raw materials as possible, are commonplace these days. Facing problems at this level requires a number of creative solutions. #WISE focuses on C&A women of different ages, mainly living in regions of all partnering countries. Women of older age usually lack innovative and technological approach, are not fluent in business lingua franca, i. e. English. It prevents them from using modern marketing technologies that open global possibilities (such as trading on Etsy, e-shops), networking (e. g. joining international artisanship networks, getting referrals, participation in group exhibitions), reduces their income and quite often leads to poverty. Women of younger age are more familiar with IT solutions, foreign languages and entrepreneurship, but lack skills in craftsmanship as well as deeper philosophical approach. The project will embrace abilities of both age categories, with project intellectual output being piloted with 50 women in all 5 countries. A practical training course in modern entrepreneurship, creative technologies & innovations will help participants to develop their basic skills and key competences needed in the modern creative industries. A high-quality learning in digital literacy, e-commerce, innovative manufacturing technologies (3D printing, laser-cutting, recycling, zero waste, etc.), international communication, marketing, contemporary art market trends, sustainability, etc. will serve as an opportunity to start their own commercial activity based on C&A skills they have already had. Encouragement of adult learners to listen to and explore their internal needs and desires will be translated into viable innovations with the help of couching techniques. Supporting C&A women with basic entrepreneurial and artisanship skills development will boost their self-esteem and contribute to their better social inclusion as well as financial independence. Last but not the least, flexibility and creativity are vital traits everyone needs in a rapidly changing labor market. Creativity helps to adapt to new working conditions and employers' expectations. Quite apart from individual commercial activity, participating women will develop digital & technological skills which strengthen their position in a labor market and therefore reduce their chances for the long-term unemployment and poverty. Activities will be easily accessible and encouraging to come. Non-formal education groups and meetings on social networks will be organized. Practical training will make women familiar with modern artistic techniques, social entrepreneurship, networking. For support and motivation, innovative approaches towards commercial activities, based rather of failure stories than on success ones, will be used. A one-week-long exhibition #Wise Women Week (#WWW) supposed to be a grand finale of the project. Showing the C&A innovations developed up, it will demonstrate the women inclusion and empowerment through creativity and the arts. The grand finale will take place in Vilnius, Lithuania. It will be open to public members.