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Davis' study of the necessity for financial literacy is interesting and examines the cost benefit ananlysis for financial literacy courses. The study is done with Texas PTA parents and their willingness to allocate additional funds for financial classes. Davis addressses the growing problem of American students and their lack of finacial knowledge. Overall a valuable article to examine the publics willingness to provide funding for financial education

Synder outlines an initiative by CPAs around the country to promote financial literacy and improve Americans' wellbeing. Examples of the programs include a one-day workshop for high school seniors to discuss subjects such as credit cards, owning a home and buying a car. The goal is to bring real world applications to teach students about financial literacy. The programs also aim to help military personnel and their families when a parent is deployed, or a unique situation arises that impacts their finances. The author effectively demonstrates how CPAs across the country are taking action to aid in the development of healthy financial habits. Unfortunately, there is no information regarding the effectiveness of these programs and more information is needed.

Financially literate people are imperative to an economy because they make good financial decisions that help stimulate the economy. The author emphasizes the need for individuals (especially low income families to write out a written budget monthly. Consumers should establish emergency funds, practice good saving habits and have knowledge of investment funds. Through the surveys conducted in the article there is a correlation between knowledge of financial practices with and financial achievement. The author emphasizes the need to expand on ones' personal financial knowledge in a way befitting to the individual.

Financially literate people are imperative to an economy because they make good financial decisions that help stimulate the economy. The author emphasizes the need for individuals (especially low income families to write out a written budget monthly. Consumers should establish emergency funds, practice good saving habits and have knowledge of investment funds. Through the surveys conducted in the article there is a correlation between knowledge of financial practices with and financial achievement. The author emphasizes the need to expand on ones' personal financial knowledge in a way befitting to the individual.

To describe the home literacy environment and to identify financial, human, and social capital variables associated with the presence or lack of Child Centered Literacy Orientation (CCLO) in families with young children who regularly attend pediatric primary care clinics. Could be helpful for those studying literacy and family, especially among single-parent families.

discuss the serious effects of low financial literacy for today's workers and retirees. Financial statistics are given that show deficient financial literacy levels in many demographics. The article is a great source of statistical information that will support claims in other articles as well.

This article discusses an alternative method to the traditional education techniques for financial education. This alternative is the implementation of CD-ROMs for children fourteen years and above, that help introduce and instruct proper financial protocols. This source can be used to show the amount of concern financial literacy that is present today.

This article focuses on the implementation of early financial programs for young children. Financial literacy is a skill which all individuals will need throughout their life. Studies have found that individuals who received financial education in high school reported an increase up to 1.5% in their assets when compared to individuals who did not receive any education. While adding these course is certainly beneficial there are still a number of challenges. There is a cost to create such programs and some school districts are already facing budget problems.

Beverly shares the importance of improving and focusing on the expansion of financial education practices in regards to our countries youth. Students may underestimate the need for financial education. The recommendation for social workers is to encourage the incorporation of financial education in the elementary and middle school curriculums as well as high school. Beverly believes that to ensure universal access, financial education should be a mandate for high schools. The integration of financial education into school curriculums has been recommended by the U.S. Office of Financial Education.

In this article the author goes over a program set in place by Nationwide in Great Britain to help promote financial literacy in schools. One ways that they do this is release copies of the book Teenage Guide to Money to schools. Mutual One is also another company that is trying to help out the cause. One of their ideas is to let schools use MP4 players and podcasts that teach financial literacy.

A major problem with the ever growing population of the elderly is their children's financial literacy. It is important that the children of aging parents are proactive and get involved with their parents financial matters. Children need to be aware of the government funded programs as well as the financial strategies that their parents can qualify for based upon their age. There are often outside factors that contribute to complications of sorting out financial documents and dollar figures and children of the aging need to be aware of these issues as well as the help that is available to them.

The Author suggests that many of Americans Financial difficulties are brought about as a result of a lack of self-regulation. A lack of financial literacy can hit lower-income families the hardest because of their ability to be exploited. Consumers with lack of financial knowledge find themselves caught up in short term benefits rather than long term benefits. Proper knowledge of strategies would enable many individuals to avoid problems and better prepare themselves for the future by protecting themselves in the present.

A major problem with the ever growing population of the elderly is their children's financial literacy. It is important that the children of aging parents are proactive and get involved with their parents financial matters. Children need to be aware of the government funded programs as well as the financial strategies that their parents can qualify for based upon their age. There are often outside factors that contribute to complications of sorting out financial documents and dollar figures and children of the aging need to be aware of these issues as well as the help that is available to them.

The Author suggests that many of Americans Financial difficulties are brought about as a result of a lack of self-regulation. A lack of financial literacy can hit lower-income families the hardest because of their ability to be exploited. Consumers with lack of financial knowledge find themselves caught up in short term benefits rather than long term benefits. Proper knowledge of strategies would enable many individuals to avoid problems and better prepare themselves for the future by protecting themselves in the present.

Article from Kansas City Gazette. Describes a bill proposal to increase financial knowledge in the US. The problem specifically lies with young adults and college students. It provides statistics as well as some startling facts to the problems with credit card debt and financial literacy.

The article discusses financial-literacy programs at universities and colleges in the United States. Programs like Texas Tech University's help its students master the basics of budgeting, saving, and not buying what they can't afford. These programs are especially important as colleges grapple with rising costs and an economic downturn in the country. The author states that financial literacy affects student retention, productivity, and mental health, and may also generate good will in a time when colleges are being criticized for repeatedly raising tuition, fees, and housing costs. (From the EBSCO abstract.)

The article focuses on the problem of college debt and knowledge about financial terms. It also goes into discussion of what some universities are doing to help this problem by offering classes/seminars. Valuable article.

Mandell and Lewis explain that young adults possess insufficient knowledge when it comes to the world of personal finance. This assertion is not new and many researchers have come to a similar conclusion, but the two authors believe young adults in other countries such as Japan and Australia lack financial literacy. Their study focused on whether teenagers lack of motivation inhibited their assimilation of information during finance classes. the researchers believe teens just don't believe financial literacy is important. Their study included five national surveys, with results broken down by different demographics such as sex, race and family income.

Morton, Heather. "Private Efforts To Help Financial Literacy." State Legislatures 33.5 (May 2007): 24-24. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH. 16 Mar. 2009.

The article focuses on the hard work of some financial institutions to help improve financial education in the U.S. These include money skills, and interative curriculum created by the American Financial Services Association Education Foundation, the Credit Union National Association, together with the National Endowment for Financial Education, and Visa, with the Federal Reserve Bank of Chicago.

A 20 page survey on the impact of financial literacy classes and survey results. The surveyor examines results from every state and uses many detailed questions. His surveys included results by race, gender, and location along with many others. The stastics are starteling and valuable for research on financial literacy.

Due to the economic problems of today's society, governements are looking for possible solutions to help solve this problem. This article discusses steps that governements in the United Kingdom have already started. The most important of these steps is financial literacy education programs that are being implemented.