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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.

Supiano gives us a look at financial literacy programs at universities across the United States. Attracting students to attend the program did not prove difficult, but the problem is, that many sign up, but don't follow through with attending. The program intention is to help students master the basics of budgeting, saving, and not spending beyond their means. College students especially need to understand the implication of irresponsible spending since tuition, fees and housing cost continue to rise. Supiano argues that financial literacy affects student retention, productivity, and mental health. The article also discusses where the responsibility should be for providing financial education. Financial-aid offices aren't equipped to offer an in-depth and broader education in financial literacy but they try. Home continues to be the best place to start the ground work for financial literacy.

In 2007, the Oklahoma Legistalure passed a law called "The Passport to Financial Literacy Act" that requires students, beginning in the 7th grade, to demonstarate "financial proficiency in 14 areas" to acheive a high school diploma. Other schools with the help of the National Endowment Fund for Financial Education have incorporated programs to increase the levels of financial literacy among students. Critics of this program state that these prgrams are not helping the overall financial literacy levels of high school students upon completion. It is not plausable to state that these financial programs are useless, because these programs need to work in correcpendence of parents teaching their children good financial habits within their own homes.

There are ways for students to gain financial literacy and this article is mentions plans for student programs to help do this. The article talks about how some finance classes don't help a students understanding of finances, and mentions to have financial literacy it might have to begin in a person's childhood.

The Article describes jumpstart; a non profit program that provides financial lessons to students and young adults. It acknowledges the serious problems of financial literacy in the US. Jumpstart is a program within most US states and it seems like a very productive and positive enterprise.

Ian B. Davidson discusses the importance of financial literacy and how American society has gradually shifted from a "save now, buy later society" into a "buy now, save later society." He discusses the accelerating rate of bankruptcies as well as family breakups and growing welfare in the U.S. Davidson discusses a program that he sponsors at Montana State University that allows students to manage a $50,000 portfolio. The effectiveness of this program speaks for itself because its returns are continually much higher than the average Dow Jones returns.

Ian B. Davidson discusses the importance of financial literacy and how American society has gradually shifted from a "save now, buy later society" into a "buy now, save later society." He discusses the accelerating rate of bankruptcies as well as family breakups and growing welfare in the U.S. Davidson discusses a program that he sponsors at Montana State University that allows students to manage a $50,000 portfolio. The effectiveness of this program speaks for itself because its returns are continually much higher than the average Dow Jones returns.

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.

The National Institute for Literacy serves as a national resource for adult education and literacy programs, coordinates literacy services and policy, and provides leadership for literacy in the United States. The Institute disseminates information on scientifically based reading research pertaining to children, youth, and adults as well as information about development and implementation of classroom reading programs based on the research. A great resource for articles and statistics.

Americans are not the only people facing a financial literacy crisis according to this article. The Canadian governments new budget calls for the creation of financial programs. During the recent economic crisis many Canadians have amassed debt and the government aims to quell this trend. The United States government is also trying to implement similar programs for its citizens.

Green, Amy. "Push for financial literacy spreads to schools." Christian Science Monitor 101.70 (09 Mar. 2009): 13-13. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH. 14 Mar. 2009. http://search.ebscohost.com/login.aspx?direct=true&db=a9h&AN=36874111&site=ehost-live>.

Green shares the story of Roy Kobert and John Ninfo a bankruptcy attorney and bankruptcy judge who both volunteer their time teaching kids the importance of financial literacy. With the economy plummeting out of control both men have decided to be advocates for teaching financial literacy to children and young adults. Both men have seen the devastating effect that financial literacy ignorance has caused on the economy and individuals. They fear that if creditors can lure the youth into debt, our countries youth future is in jeopardy. Their goal is to stop the madness before it starts through education intervention. The article also talks about several different programs promoting financial literacy that have been implemented in different states across the country.

This article examines Natural Stress Relief meditation, which is a mental technique which is practiced for 15 minutes twice a day, aims to reduce stress and anxiety by eliciting a specific state of physiological rest along with mental alertness. The meditation is taught in a self-administered program. This was administered to 25 participants four times over a 3 week period. The article concluded that the difference in Trait Anxiety score between pretreatment and before starting the practice was not significant, while it was significant both after the first week of practice.

Milosovic talks about research shows that scripted curricula set by the No Child Left Behind Act fails to meet the desired goal of increased literacy. She particularly mentions the negative aspects of the law which include, the time it requires, lack of individual attention on students, and the lack of focus on reading comprehension. Her research covers many cities and states and much can be learned from her article.

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.

Green shares the story of Roy Kobert and John Ninfo a bankruptcy attorney and bankruptcy judge who both volunteer their time teaching kids the importance of financial literacy. With the economy plummeting out of control both men have decided to be advocates for teaching financial literacy to children and young adults. Both men have seen the devastating effect that financial literacy ignorance has caused on the economy and individuals. They fear that if creditors can lure the youth into debt, our countries youth future is in jeopardy. Their goal is to stop the madness before it starts through education intervention. The article also talks about several different programs promoting financial literacy that have been implemented in different states across the country.

A film on OhioLINK. "The world is a mosaic of visions, and each vision is encapsulated by a language." Yet every two weeks, one of the world's approximately 6,500 languages dies out. What is the significance of this loss to those who speak the language as well as for the rest of humankind? Why do some languages become global while others disappear? And how are language and identity connected? In this program, linguists David Crystal, Peter Austin, and Jørgen Rischel search for the answers to those and other pressing questions as they investigate the state-and fate-of Livonian, in Latvia; Dogon, in Mali; Mlabri, in Thailand; Changsha Hua and Naqxi, in China; Pitjantjatjara and Pintupi, in Australia; and Tutunaku, in Mexico. Portions are in other languages with English subtitles. (60 minutes)