Group items tagged

Palmer, Lance, et al. "IMPROVING FINANCIAL AWARENESS AMONG COLLEGE STUDENTS: ASSESSMENT OF A FINANCIAL MANAGEMENT PROJECT." College Student Journal 44.3 (2010): 659-676. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. The article served as a study that was done on college students. It was an intervention that mainly forced college students to track just how they spent their money. The purpose of the experiment was to bring awareness to the students at the end to show them what possible mistakes, or poor expenditures they had made. The study showed that when students tracked how they spent their money, they universally increased their spending knowledge, and made very few careless purchases. When these students actually tracked how they spent their money the study showed that they realized the values that their parents and guardians had taught them.

Murphy, Angela J. "Money, Money, Money: An Exploratory Study on the Financial Literacy of Black College Students." College Student Journal 39.3 (2005): 478-488. EBSCO. Web. 22 Nov. 2010. This article explores financial literacy through race, gender and age. For most people their financial literacy improves as they become older. There are an abundant amount of statistics in this piece. In order to raise awareness of financial literacy college professors have begun developing classes to teach students how to become financially independent.

Supiano, Beckie. "For Students, the New Kind of Literacy Is Financial College offer programs in managing money. (Cover story)." Chronicle of Higher Education 55.2 (2008): A1-A38. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. This is an article that was the cover story. It was based on schools such as Texas Tech that have actual course at their institution that is based upon financial literacy and the knowledge of spending one's own money. Texas Tech is one of many schools that have a class like this one. The class in itself teaches students proper spending techniques. The purpose of the class is to teach students how to budget money, save when the time is right, and to buy only things or items that they can afford.

Scotch, Allison. "Cash-Flow Control." Financiallit.org. Institute for Financial Literacy, 15 July 2005. Web. 3 Nov. 2010. Website with several articles regarding topic. The article for this topic is entitled: "Cash-Flow Control." This can easily be found by going to the URL above and clicking on research and articles. It is the third of four articles. The article that I have chosen to use regards how to spend your money wisely. In short, the article's main purpose is to show people smart spending habits, and how to save yourself from unnecessary purchases. It is the author's goal in this article to show the reader to shop and buy smarter. Many ideas are given to save money. First, the author, Allison Scotch, says to not be fooled by sales. We should also avoid spending too much on our pets, over-shopping at the market, paying late fees, overpaying taxes, being careless with loose change, and eating out for dinner. All of these categories, when managed wisely will reduce your fees and leave you with more money in your pocket.

Chien-Wen, Lai. "How Financial Attitudes and Practices Influence the Impulsive Buying Behavior of College and University Students." Social Behavior & Personality: An International Journal 38.3 (2010): 373-380. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. This article shows certain indications, or in other words tell tale signs that many people who have problems with financial spending hold in common. The article has tables that show results on whether or not students had plans on how to spend their money, if they actually kept track of their money, and why they spent their money. The main point of the article was the difference between compulsive, and pre-determined purchases of college students. I also thought that this article would be good because the field work was done on international students. This shows that financial literacy is just not a problem amongst college students in the states. This problem is occurring all over the world and this article shows that.

Keer, Gregory. "Financial Literacy for Kids: Money Lessons Should Start Young." Parenthood. Dominion Enterprises. n.d. Web. 18 Nov. 2010. This article talks about how fast students are getting themselves into debt, and what should be done to help kids become financially independent. The article also talks about the ways in which you can teach someone to save money.

Jernigan, David H., Joshua Ostroff, and Craig Ross. "Alcohol Advertising and Youth: A Measured Approach." Journal of Public Health Policy 26.3 (2005): 312-25. Web. 16 Nov. 2010. This source is focused on measuring the statistics of how much children and minors ranging from twelve to twenty are exposed to alcohol. In depth and through facts, it discusses how much money is being poured into alcohol advertisement, as well as the unmeasured portions which are not able to be fully accounted for. Different methods and results are also talked about giving much information about the business of marketing to adults as well as children.

Jackson, Rebecca. "The relationship between lifestyle and campus eating behaviors in mal and females." College Student Journal 43.1 (2009): 860-871. Ebscohost. Web. 22 Nov. 2010.

Poor nutritional practices and heightened levels of stress, two common attributes of university life, are strongly linked with weight gain and decreased health. Little research has examined the relationships between university students' lifestyle factors and campus eating behaviours; therefore, this study aimed to examine relationships between lifestyle and campus eating behaviour. Both lifestyle and eating behaviour questionnaires were developed and administered to male and female undergraduate students at a Canadian university. Students whose living arrangements had not changed since high school consumed less alcohol than individuals who moved away from their previous dwellings. Fast food consumption was also significantly related to lower physical activity levels and higher expenditures for food on campus. Males also consumed more alcohol than females and spent more money for food on campus. Conclusion. Relationships do exist between lifestyle and campus eating behaviour. These results may be used as a foundation for future research on the effect of lifestyle on eating behaviours and nutritional status in university age student

Mandell, Lewis, and Linda Schmid Klein. "The Impact of Financial Literacy Education on Subsequent Financial Behavior." Financial Counseling & Planning 20.1 (2009): 15-24. Academic Search Complete. EBSCO. Web. 17 Nov. 2010. This article will be fantastic as a counter argument to my paper. Every good paper needs some form of argument against to make the argument for even stronger. The journal is a study based on 79 high school students. These students in years prior had completed a course that dealt with managing their finances. The study showed that these kids were no smarter, or held any knowledge that other students didn't regarding financial literacy and spending. I thought that this journal was great because it showed that it might not even be the education that lead to poor spending. Also the students who took the course even noted that they did not spend their money in the right ways.

Robb, Cliff A., and Deanna L. Sharpe. "Effect of Personal Financial Knowledge on College Students' Credit Card Behavior." Financial Counseling & Planning 20.1 (2009): 25-43. Academic Search Complete. EBSCO. Web. 17 Nov. 2010. This journal is based on a survey done on almost 7000 college students. The purpose was to see how they spent their credit card money, and what knowledge, if any, they possessed. Financial knowledge was huge in this study when it came to smart spending. However, the article also says that many college students that had a high level of intelligence when it came to financial knowledge still had large credit card balances. This journal article shows that even people who are educated in financial literacy still can have major credit card debts and problems with spending.

LUSARDI, ANNAMARIA, OLIVIA S. MITCHELL, and VILSA CURTO. "Financial Literacy among the Young." Journal of Consumer Affairs 44.2 (2010): 358-380. Academic Search Complete. EBSCO. Web. 17 Nov. This article will be very strong for my paper. For the purpose of my research paper, I would like to focus on young adults. This journal article is directed specifically towards that. In the journal, there was a study done on high school and college level aged students who were asked questions regarding inflation, interest rates, and risk diversification. The best part of this article is that it show that students who are from a solid background, or have been to college, know much more about financiall literacy and how their money will spent in the future. I can use much of this information and studies in my paper.

Benard, Tara Siegel. "Working Financial Literacy in with the Three R's." The New York Times. The New York Times, 9 Apr. 2010. Web. 3 Nov. 2010. This article discuses the importance of having a financial background. There is a lot of discussion about having mandatory class at the high school level, which will help students with their finances. It will also help students become more aware of what it involved in creating a budget. There is a lot of discussion on how personal finance should be taught.

American Academy of Family Physicians. "Alcohol Advertising and Youth (Position Paper)." Aafp.org. 2010. Web. 14 Nov. 2010. Youth exposure to alcohol advertising, the targeting of youth, morbidity, mortality, and statistics are all key points in this document. Dates, age groups, money and legal issues are all talked about in this paper and using these in my essay will certainly bring out more credible information to this side of the argument. This source talks almost every main issue that has to do with underage drinking and teenagers. It gives convincing evidence that alcohol ads are being aimed at a crowd who isnt legal to consume them, but it also questions the morality of doing this by giving facts about alcohol related deaths in minors.

Pheonix House."Facts On Tap." factsontap.org. MetLife Foundation, n.d. Web. 22 Nov. 2010 This article provides a number of "sobering statistics" that show the negative outcomes of drinking. Drinking myths and peer pressure are both explained and discussed. The amount of money a college students spends on alcohol is also shown. This is an informational and awareness website for college students and their parents.

"International Students Contribute $17.6 Billion to U.S. Economy" NAFSA: Association of International Educators. Web. 2008-2009 Compiled Data This data sheet from NAFSA shows a compilation of data summing the amount of money spent and contributed to the U.S general economy from International student Education. IT holds most of the information in Pdf format thus making it more easily assessable.

HUSTON, SANDRA J. "Measuring Financial Literacy." Journal of Consumer Affairs 44.2 (2010): 296-316. Academic Search Complete. EBSCO. Web. 17 Nov. 2010. This journal was written by Sandra Huston. In her journal she attempts to define exactly what financial literacy is. She argues that many other scholars will not address this part of the subject, which she thinks is the main problem. She also goes on to state just what kinds of obstacles people face who do not have the knowledge, or are not well educated on Financial Literacy. She even makes a statement that it is her belief that the US has problems with welfare because of lack of finance knowledge, especially when it comes to spending. The information will serve great purpose for my introduction and conclusion as well as backup for my main paragraphs.