Group items tagged

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.

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.

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.

An opinion piece, but offers some interesting theories on the future of publishing and Kindle.

This particular survey reviews religious trends that have occurred between the period 1990-2008. This 18-year period provides an excellence examination of recent shifts in religiosity. Moreover, the source will provide a background from which to infer future trends in secularization, in addition to determining its implications on scientific literacy.

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.

Literacy is a continuous, multidimensional indicator of proficiency in using written language. This essay reviews several recent books on literacy, and suggests some profound theoretical issues about consumer behavior inspired by a sociocultural perspective on literacy. In particular, ties between literacy and six diverse research programs on consumer behavior are highlighted: responses to persuasion; affect and decision making; the meanings of products and brands; social marketing of health behaviors; consumption, identity, and resistance; and the impact of the internet on consumer behavior. In addition, questions both interesting and troubling about the impact of consumption on literacy are raised in the hope of encouraging future research. (Abstract taken from JSTOR.)

This is an article from Design, Automation, and Test in Europe in Proceedings of the conference on Design, automation and test in Europe. The author of the article suggests the creation of a new type of profession that might result from the rapid advancement of hardware and software. Instead of having two separate entities that develop computer systems, the hardware and software professions, there will be one profession that handles the development of both. However, both existing professions would need to join together to make this possible. The hardware technology produced from this joining would be similar to field-programmable gate arrays (FPGAs), an architecture that can be "reprogrammed" on the fly. This profession would be more like the software development profession as the hardware can be reprogrammed for a particular task. I find this interesting as it could technically eliminate the lack of communication between hardware and software engineers as one would be handling both.

College students today face a difficult time with easy access to a credit card and a lack of financial literacy. The authors' study concluded that the average college student is currently accumulating debt at an increasing rate. They believe the allure and purchasing power of a credit card causes some young adults to forgo their own inhibitions and just spend. This study provides an excellent source of quantitative information in the form of survey responses and charts. The authors break down their survey group into many categories, such as age and sex, to examine debt. The plethora of data allows correlations to be made and therefore a better understanding of college student credit card debt. However, the sample size was only 448 students on five college campuses, and in the future, a larger sample size could provide a more detailed and accurate analysis.

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

This article talks about how important it is for parents being involved when their children are learning to read. It also goes on to talk about how they can decide their childrens futures and whether they will become literate professional adults. The involvement of a parent is very important.

The authors Tierney and Colyar discuss the treatment that the lower class recieves. The lower class experience a lot more in their lives than most other people should. The face amy difficulities in succedding in many different aspects. The things that they face make it very ifficult for the students to go to schools and effects their future. A study was done to kids that are low poverty. These students experienced many more difficulites in their lives, which makes everything more difficult

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.

It is shocking to see the statistic that almost 2/3 of individuals over the age of 50, still in the working environment, have not thought about their retirement. This failure to plan has lead Americans to financial illiteracy. Almost half of people in the workforce are unaware of pension and retirement funds that they as employees qualify for. The author suggests requiring proper planning aid information upon new employee orientation, educational programs as well as a personal incentive for individuals to think and plan for the future.

This is a panel discussion in the Journal of Computing Sciences in Colleges that questions the importance of digital logic for the future of computer science. The discussion is composed of different individuals from different universities who share their own view concerning the foundation of the digital computer. This is a good example of a discussion warning against a great degree of abstraction between the underlying hardware and the high-level developer. The fact is that everything in computer science is built upon the fundamentals of digital logic and without an understanding of this logic, the connection between theory and practice is lost.

This article talks about how important it is for parents being involved when their children are learning to read. It also goes on to talk about how they can decide their childrens futures and whether they will become literate professional adults. The involvement of a parent is very important.

Our students are falling behind their counterparts in the rest of the world, threatening the U.S.'s economic future. Why national education standards are the only way to fix the system

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.

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.

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.