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The article suggests planning financial literacy programs for students. Furthermore, the author shares with the reader that that there are laws in Oklahoma, Colorado, and other states requiring high school students to show financial literacy in order to graduate. In addition the article shares that Capital One has created branch banks operated by students at several schools as well as the National Endowment for financial education has created a personal finance curriculum that can be integrated into regular school curriculum. Research suggests that personal finance courses have not improved student financial literacy. Lewis Mandell suggest that students should be taught about finance and savings at an earlier age than high school.

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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.

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The goal of the study was to understand executives' feelings regarding employees with financial problems. The authors discovered that executives are adamant that their employees' finances are in order so company time and money is not wasted. When an employee is facing money troubles, he or she may become distracted at work or use company time to settle the matter. Many of the executives who were interviewed indicated they learned financials skill from their parents and while attending college.

Today's consumers are faced with difficult financial decisions everyday. Making the wrong choice could cost someone their savings or their home. By becoming financially literate people decrease the risk that they will become victims of financial mistakes such as aquiring excessive debt or associating with predatory lenders. Many families have only one spouse take care of all the finances and this could lead to problems should that spouse die.

Using Financial Education Curriculum for Teens Today's American teenagers are regarded as "financially illiterate," and lacking sufficient knowledge of personal finance and an understanding of money. The authors examine the effectiveness of the Money Talks program implemented in several California schools. The Money Talks program was designed to inform students about financial subjects relevant to them. The study proved the program had a positive effect on students by administering a post-test and comparing it with one taken before the course

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.

Expansion of the internet and market innovation have lead to national economies and the deregulation of banking with a changing economy. In an ever changing economy like the United States individuals must constantly keep updated and improve their level of financial literacy, be aware of changes in personal finances and demography and obtain current knowledge of mortgage lending practices. Financial literacy programs such as first time homebuyer programs, basic financial literacy programs, and savings initiatives have been established through private and public funding to increase the financial literacy of the public. The effectiveness of some of these programs has not been concluded, however, individuals have stated that after completing the programs they felt much more confident in making investments.

The article states that especially in times of economic trouble, no one can afford to be financially illiterate. The authors focus on the management of debt and college students. Specifically they address credit cards and student loans. They also speak of how certified public accountants are great educators for this problem. A valuable article to relate Accounting classes for students and their financial literacy.

A psychological article about college students and financial management. The study examines debt and spending habits of students and how that may of occured. Their are statistics of demographics, financial classes, and even personality types and their relationship to debt. Could provide a good viewpoint of sociological and psychology factors for research.

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.

The article discuses how parents can prepare their children entering college about financial literacy. It is important that freshman understand the intricacies of credit cards such as, interest rates and fees.

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.

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