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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.

This involves a program called PictoPal that helps children read. It will help them read and writed. It tells how this program helped the children with their literacy and what this program does.

This article is about a digital learning program called pictopal that was created to help children learn how to read and write. This article talks about the effects of this experiment and whether or not it was successful. It also gives an overview of how the program was initiated to the studetns. This would be a helpful article if you are looking for information on how digital program effects learning.

This is an ACM Computing Surveys article that breaks up the act of computer programming into the simplest of forms: symbols that make up expressions that make up larger constructs by following the syntax of a given language. It does this by analyzing the paradigm of specialized programming languages designed specifically for the beginner programmer. Not only does the beginner learn how to program in a particular language, but the language should not hinder the design of algorithms and constructs that are utilized across many different platforms. The article also details the pros and cons of the enumerated languages and whether or not they follow this paradigm.

This study analyzed the acceptance of a school cafeteria based program called "Kid's Choice", where students are given increased amounts of healthy vegetables and fruits in their lunch meals. Results were compared between those who were overweight and those considered average-weight. The study found that both groups were equally accepting the program and would continue the program after the 1 month trial. This study would help my research because it shows that children who are overweight are, in fact, willing and able to make positive changes in their diets to improve their body weight and overall health.

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.

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 is about how emergent literacy has improved early childhood literacy over the past several decades. Its main point is about a 5 step program. The 5 step program is the Clicker 5. the 5 steps in this program are Phonemic Awareness, Word Recognition, Concepts About Print, Alphabetic Principle, and Comprehension. These 5 things help jump start literacy in a early childhood classrom.

Kraus proposes a reform program that will reform low-income Minneapolis schools. Then he observes how urban schools attract low-income students and creates a problem of low achievement in these types of schools. This reform wanted no school to have more than 70% of any racial or minority group. He noticed that students in urban schools have lower test scores, so in order to change this they are implementing transfer programs into suburban schools. Most students showed improvement and to test their improvement the students were assessed. This program may improve academic achievement in some schools, but it does not exactly improve urban schools.

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.

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.

This article is about the program Reading first. The program supports reading in young children. The children who participate in this program are much more literate than children who do not.

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.

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.

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.

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.

This article is about what affects early childhood education. It is a study from Australia. It talks about all the different contexts that influence it. They have a theme of " strong and equal partnerships". The partnerships are stuided at two early childhood programs and one literacy program.

Current emphasis in curricular design for FLES programs dedicates little time to the development of second language literacy in foreign language learners in the elementary school. A focus on developing these literacy skills is essential, if communicative competence is to be the goal in a fully articulated K-12 curriculum for Spanish. The vehicle necessary for developing these skills lies in curricular objectives that emphasize literacy and in teacher development programs that foster the growth of this instructional skill in FLES teachers. In light of a theoretical discussion of the need for group reading instruction, an instructional unit serves as a model for developing the first and second language literacy of early elementary language learners. (Abstract taken from JSTOR.)

The authors Cartledge and Lo explain the discipline problems teacher's deal with in Urban Schools. Many factors influence children in urban school districts to act up in the classroom. They conducted a research program where they selected school H, which consisted of low-income students that were not reaching academic standards. The program recorded the number of disciplinary actions teachers took towards the students. The results showed that more than 50% of students received discipline in one year of teaching, which takes away from their education time. The authors make some significant points, but more can be determined from this study. By looking at the study, people can infer that because of the high disciplinary problems in urban schools that it affects their academics. This can be because of their lives at home and what students go through with their families.

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 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.