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Crystal, David. "Texting." ELT Journal: English Language Teachers Journal Jan. 2008: 77+. Academic Search Complete. EBSCO. Web. 19 Nov. 2010.

Gayles, Joy Gaston. and Shouping. Hu. "The Influence of Student Engagment and Sport Participation on College Outcomes Among Division I Student Athletes." Journal of Higher Education 80.3 (2009), 315-333. This study examines college athletes that do educationally enriching activities, does it help their academic outcomes. The study found that student backgrounds had little effect on academic outcome, but engagement in activities does.

Ginsburg, Richard D., and Rich Lillash. "WINNING AT WHAT?." Independent School 66.4 (2007): 18-28. Academic Search Complete. EBSCO. Web. 19 Nov. 2010. This article asks the question of how schools define "winning" with their student-athletes. Should it be a diverse person with all around success, or is it excellence in a singular sport? The truth is that people are now trying to focus on one sport in order to gain a scholarship. The problem with this is that it draws the student athlete away from other valued activities. The desire to specialize conflicts with many schools' core values.

Rosen, Larry D., et al. "The Relationship Between "Textisms" and Formal and Informal Writing Among Young Adults." Communication Research 37.3 (2010): 420-440. Academic Search Complete. EBSCO. Web. 19 Nov. 2010. This article is about whether or not there is a connection between textisms and the quality of writing. There has been an overwhelming increase in the use of text messaging, and in some cases young adults use messages more than talking. Two studies were performed trying to determine if there is a relationship, because not much research has been completed. On top of that most of the research has yielded different results. These two studies did not see a connection between the use of textisms and formal writing, but it did between the use of textisms and informal writing.

GRANT, M. J., et al. "Music and Conflict: Interdisciplinary Perspectives." Interdisciplinary Science Reviews 35.2 (2010): 183-198. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. Discusses the role that music plays in conflict situations. Also has research that demonstrates  the potential music has to promote non violent resolutions of conflict. 

Shim, Soyeon, et al. "Financial Socialization of First-year College Students: The Roles of Parents, Work, and Education." Journal of Youth & Adolescence 39.12 (2010): 1457-1470. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. This article is based on first year college students regarding financial literacy. This study tested over two thousand students on their financial behaviors, financial tendencies, and financial knowledge. The study showed that students who had grown up with parents with good financial tendencies, also showed these strong tendencies. The study also said that when the students tested had developed good techniques at a young age, they were more then likely to have good techniques as adults. Lastly, the study confirmed that it takes a combination of financial literacy, financial behavior, and financial knowledge together in order to achieve a set of strong techniques.

Paquette, Kelli, and Sue Rieg. "Using Music to Support the Literacy Development of Young English Language Learners." Early Childhood Education Journal 36.3 (2008): 227-232. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. Music is a way to let children experience learning in a different way. The article talked about how by learning and singing songs they are learning literacy and exploring ideas that are not brought up in the common classroom, such as creativity in the art.\n"Whether children listen to the ''music'' of the rain, popular chil- dren's songs, or make their own musical compositions, important skills, such as reading, writing, listening, and speaking are developed. In an early childhood classroom, a musically, literacy-rich environment will generate interest, encourage creativity, and set the stage for a positive learning environment.

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.

Balandina, Alexandra. "Music and conflict transformation in the post-Yugoslav era: empowering youth to develop harmonic inter-ethnic relationships in Kumanovo, Macedonia." International Journal of Community Music 3.2 (2010): 229-244. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. Article talks about how the summer youth music festival provides opportunities to transform a republic in Yugoslavia. And the motivation that music has on young people. 

Lee, Jenny, and Charles Rice. "Welcome to America? International student perceptions of discrimination." Higher Education 53.3 (2007): 381-409. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. This research is about International students experiences in universities in the U.S. the social problems that they encounter while living in the U.S, how each one of them dealt with the culture shock and become familiar with the American culture. how did those experiences affected their personalities and the way they think. also how experiences affected their academic life and the way to success and facing those problems.

Mohammed, Methal R. "Don't Give Me a Fish; Teach Me How to Fish: A Case Study of an International Adult Learner." Adult Learning 21.1/2 (2010): 15-18. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. The article is about the experiences of graduate students who have some language difficulty and how that can be a huge barrier to overcome especially in graduate studies. talking about his own experiences in learning in a different language, and what of kind of methods he used to adapt with the new learning environment. He also give the reader a lot on information on how to adapt even faster with the the environment and the Academic life.

McLachlan, Debra A., and Jessica Justice. "A Grounded Theory of International Student Well-being." Journal of Theory Construction & Testing 13.1 (2009): 27-32. Academic Search Complete. EBSCO. Web. 18 Nov. 2010. The article discusses how some International Student can easily adapt with U.S. universities life style while others are have a hard time adapting with it. the article gives us an idea about what the process that most students go through to have a successful Academic education. what should most students do for their first years? also what kind of methods they should use to break the barrier between them and other native students.

Burns, Robert D., et al. "Intercollegiate student athlete use of nutritional supplements and the role of athletic trainers and dietitians in nutrition counseling." Journal of the American Dietetic Association 104.2 (2004): 246-249. Academic Search Complete. EBSCO. Web. 17 Nov. 2010. This article is about a survey that was conduct on college athletes. The survey examined the athletes supplement use, perceived efficacy of supplements, availability and use of nutrition services, and perceived nutrition knowledge of athletic trainers. The research was conducted on 236 athletes. The results showed that 88% used one or more nutritional supplements. In addition the survey all showed that majority of the athletes had nutritional class, brochures, and individual counseling available. Furthermore, 39.8% of the athletes were offered athletic trainers, 23.7% of athletes were offered strength and conditioning coaches, and 14.4% were offered dietitians . Overall this study showed that athletes are surrounded by a healthy and nutritional lifestyle.

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.

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.

Jessri, Mahsa, et al. "Evaluation of Iranian College Athletes' Sport Nutrition Knowledge." International Journal of Sport Nutrition & Exercise Metabolism 20.3 (2010): 257-263. Academic Search Complete. EBSCO. Web. 21 Nov. 2010. This research was conducted to help examine athletes nutritional knowledge. Instead of looking at what the athlete knows, the study examined what athletes failed to know. By recognizing what the athletes at what the athletes do not know nutritional professionals can address the athletes on those topics. They conducted their research by giving Iranian college baseball and football players a 2-part questionnaire on sports nutrition knowledge. The results of the study showed that athletes knew little about nutrition knowledge. The researchers believe that their inadequate knowledge may contribute to poor diet. Overall, this study showed that athletes did not have a well understanding of nutrition.

Smith, Peter K., et al. "Cyberbullying: its nature and impact in secondary school pupils." Journal of Child Psychology & Psychiatry 49.4 (2008): 376-385. Academic Search Complete. EBSCO. Web. 21 Nov. 2010. Bullying has taken on a new form as it has started to occur through the Internet and cell phones and has begun to be known as "cyberbullying." This article focuses on a study in which students of secondary schools took a survey on how often the had been bullied through electronic means. In the first study, phone call and text messaging bullying were most frequent. In the second study, phone call and instant messaging were most frequent and text messaging next. Both studies discovered that cyberbullying takes place more often outside of school than inside school. This can be stopped maybe by informing parents more and including this topic in education.

Jenaro, Cristina, et al. "Problematic internet and cell-phone use: Psychological, behavioral, and health correlates." Addiction Research & Theory 15.3 (2007): 309-320. Academic Search Complete. EBSCO. Web. 21 Nov. 2010. Recently, more studies have been performed to examine newly developed addictions to technologies such as the Internet and cell phones. Some of these studies have found that full-time students are more at risk to develop these addictions and that these addictions are related to some psychological and behavioral disorders. To see if these observations are correct, a study was performed in which three hundred and thirty-seven college students participated. The first thing that was determined was that there was not a correlation between internet or cell phone over-use and substance abuse or gambling addiction. The second was that there was a correlation between technology over-use and psychological disorders such as anxiety, depression, and insomnia. The third was that healthy behavior and technology over-use are not related.