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An increasingly complex and challenging financial world is facing our nation's youth. Elizabeth Johnson takes a look at the disadvantages that our lower income youth have in regards to financial knowledge and access to learning. Though there has been a rising awareness of the importance of financial literacy among the youth, there needs to be an equal interest in our disadvantaged youth and the access that they are given to improve their financial literacy. The paper addresses building financial capability through learning by doing. It also shares several innovative ideas such as having youth-ran school banking programs. In addition it talks about the successes of Junior Achievement programs addressing economic concepts.

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.

In this article, Lloyd discusses whether censoring musical artists is really profitable for the businesses. It talks about the crossroads presented in censoring when talking about business opportunities opposed to their civil liberties of protecting today's youth and supporting proper literacy among youths.

In this article Aitchison discusses the origins of slang and the use of "ugly language" by today's youth and school children. It talks about the use of slang to distinguish different subcultures and social groups. It also delves into the subject of words changing meaning and different uses for relatively simple terms. And finally, it discusses how some older individuals attempt to connect with today's youth and adapt to their forms of literacy through using slang and popular words.

Beverly shares the importance of improving and focusing on the expansion of financial education practices in regards to our countries youth. Students may underestimate the need for financial education. The recommendation for social workers is to encourage the incorporation of financial education in the elementary and middle school curriculums as well as high school. Beverly believes that to ensure universal access, financial education should be a mandate for high schools. The integration of financial education into school curriculums has been recommended by the U.S. Office of Financial Education.

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.

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.

This article discusses the use of slang by different ethnicities. It discusses the concepts of whether or not slang can be pinpointed to certain cultures opposed to a certain group of "slang talkers". It also helps distinguish between slang being used as a barrier between teens, adults, social groups, and even differences between friends. This helps to illustrate the different varieties of literacy among youths and adults from different cultures.

This paper discusses the use of English slang by a South African community of Gauteng. Although English is not the preferred vernacular used by most occupants of Gauteng, this study shows the way slang identifies different cultures, races, and social groups among even the African youth who speak English.

This article discusses the use of the popular drug ecstasy and its prevelances in popular music lyrics. It studies the use of "ex" by youths across America and the trends seen throughout the music industry with lyrics regarding drugs.

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.

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.

Rodriguez explains a program that has helped decline the number of truancies and dropouts among the African American and Latino population. Truancy and dropouts are closely connected with each other and are mostly seen in the urban schools. Because of the living conditions and things that go on outside the schools, kids are more likely to not make it to college. There are many institutions that have been created to help these children that live in poverty stricken neighborhoods. The goal is to get them where they can exceed and do what they want in life. Keeping students more entertained will keep them off the streets and more determined to do well. According to Rodriguez all urban schools need is encouragement and structure.

Nothing, actually. Aside from our panic that the Internet is melting their brains.