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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 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.

This article from Direction's Magazine online was written by Alexander Murphy who is a professor of geology at the University of Oregon. This article talks about how America's lack of knowledge about the wolrd is a negative thing since we are in a position of strength in it. It uses knowledge about Iraq during the war as an example.

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.

Palmer, Kimberly. "The Best Inheritance of All." U.S. News & World Report 144.18 (2008), 70-70. Academic Search Complete. EBSCO. Roesch Lib., U. of Dayton, Dayton, OH. 14 Mar. 2009.

Palmer discusses the positive impact that her mother's financial advise made on her life. In addition the article also references a study that suggests that Parents that teach their kids about the positive impact that money management can have on their lives can help them made better informed decisions as adults. Many parents lack the knowledge of financial literacy themselves and therefore their children grow up knowing very little about the importance financial literacy. The lack of financial literacy knowledge among the youth has caused unease and has inspired new programs designed to help parents teach their children.

Palmer discusses the positive impact that her mother's financial advise made on her life. In addition the article also references a study that suggests that Parents that teach their kids about the positive impact that money management can have on their lives can help them made better informed decisions as adults. Many parents lack the knowledge of financial literacy themselves and therefore their children grow up knowing very little about the importance financial literacy. The lack of financial literacy knowledge among the youth has caused unease and has inspired new programs designed to help parents teach their children.

Thaler discusses the "financial literacy crisis" facing most Americans. Today, a record number of Americans are inept when it comes to financial literacy and as a result accumulate large sums of debt and fail to plan for the future. The author explains that Americans get into trouble because current financial systems such as credit cards are not user-friendly. To counter this escalating problem, researchers believe financial programs should be created that provide consumers with basic financial knowledge and assist them in making good choices. Finally, parents must begin teaching financial literacy to their children at a young age and not keep the subject a private matter. Thaler's argument that new financial programs should be created is logical given the current crisis situation he identifies, but he fails to outline a way to do so. Norvilitis, Jill, Michelle Merwin, Timothy Osberg, Patricia Roehling, Paul Young, and Michele Kamas. " Personaility Factors, Money Attitueds, Financial Knowledge, and Credit-Card Debt in College Students." Journal of Applied Social Psychology. 36.6: 1395-1414. Academic Search Complete. EBSCO Roeschh Lib., U of Dayton. 17 March. 2009

The author of this article emphasizes on the relationship between urban schools and other shcools. They realize the achievement gap and how it is increasing over the years. The students in urban schools were put through programs to help thier knowledge and to challenge them. The students of the school were to take classes on technology to help further technology because of how much we use it today. This will help students further thier knowledge and help them grow as an individual.

This article gives scope to the controversy over teaching evolution, for it pertains to biology education in the United Kingdom. Reiss notes that a recent trend in science education is to teach about doing science, which helps to reinforce and illustrate its universality and practical application. He proposes furthermore that science teachers should examine the connection between science and religion with their students, as this sort of all-encompassing objectivity is in keeping with the philosophy of science. In this manner, students may be more apt to engage science without feeling threatened by it. By teaching more about the nature of science and its methods, students will also come to understand the difference between scientific knowledge and other forms of knowledge. Reiss suggestions present an interesting way of "reaching across the aisle" without compromising the integrity of either side.

A film on OhioLINK. This program uncovers what happens in our minds when we learn, remember, and imagine. It reveals how neurons and synapses lay down knowledge in the brain; ways to improve our ability to acquire knowledge, including increased intake of omega-3 fatty acids; how to manipulate memory to recall information more easily; the powerful influence of subliminal messages; and what actually happens during a "eureka moment" and how to have more of them. Stories of a midwife cramming for exams and a firefighter who used intuition to save lives are featured. Original BBCW broadcast title: Get Smart. (60 minutes, color)

The article addresses the idea of "religious illiteracy" in the United States as of early 2007. The author relates the lack of general religious knowledge among his students at Boston University. He believes that religious illiteracy is more dangerous than cultural illiteracy because religion is the "most volatile" constituent of culture. He notes that some knowledge of the world's religions is essential in processing messages from politicians, the media, and education. He believes that, in the interest of civics, all U.S. undergraduate students should be required to take an academic religious studies course. He also acknowledges that religious literacy in the U.S. requires compromise between the secular left and the religious right. (Abstract from EBSCO.)

A survey conducted in 2004 by bankrate.com shows that the average United States citizen scored just 66 percent on a financial literacy test. The test was based upon twelve basic financial topics that were considered fundamental knowledge that all people in a capitalistic society should know. Individuals, who were not determined to be financially literate, stated that they were aware of their problem but never sought help. Individuals who were determined as most financially literate and most financially illiterate showed common characteristics, none which included any connection to gender.

Discusses the importance of future savings such as retirement funds. The article also discusses common reasons for failed retirement plans. The source is a good reference point to compare the different issues facing adults and young people.

In his new book, "Work Hard. Be Nice.", Jay Mathews claims that the Knowledge Is Power Program is the "best" program serving severely disadvantaged, minority-group students in America today.

Credit card companies have historically been "out to get people" since their invention in the 1960's. It is obvious that credit card companies purposely exploit people who are now knowledgable of credit cards for their own gain. Credit card dept constitutes a large percentage of the dept in the United States. Credit Card companies need to be forced to require more information and educate their customers about their credit cards before they distribute them.

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.

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

This article was written by Dr. Norman Berdichevsky who has a Ph. D in geology. It goes into detail about American's lack of knowledge when it comes to geography.

Presents an interview with Elisabeth Donati, executive director of Creative Wealth International. The interview is used to reveal the many deficiencies in financial knowledge that young people face upon entering the working world. This source uses real life examples from Elizabeth's own experience to illustrate the incredible need for some form a financial education.