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This is a study of monolingual and bilingual children and how they perform. This study tests the children with different test types. It tested the children in vocab and reading skills.

The authors discuss how college students' overreliance on credit cards and accumulated student loans have left many graduates with outstanding debt and poor credit scores. Credit card companies aggressively solicit college students, who are enticed by the power a credit card grants. Upon graduation, students with large sums of debt may find it difficult to find a job or rent property due to poor credit. To counter this surge of irresponsibility, the authors propose colleges create programs to educate students on how to use a credit card responsibly. The problem with creating more programs is universities must spend extra funds to create and maintain such an initiative. The authors fail to propose an early education curriculum for younger children to immerse them in the area of personal finance.

This article is about how parents influence thier childrens learning habits. Helping your children learn to read and write must start in the early years. Parents are a support team when thier child is learning to read. The way the parents read and write at home effects how the students read and write. Oral language is a foundation for literacy development.