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The author of this article does a study of individual level and school structural variables and weather they effect academic achievement. This study was conducted on about 12,000 10th graders so it is sufficient data and very reliable. They found that a schools climate is very important and can influence a students achievement level. Also, the article mentions student involovment will help academic achievement in many students.

The authors of this article talk about he achievement gap among students that are wealthier compared to lower class. The wealthier student get a lot more of the needs and get the support from home, while the lower class do not get as much and do not always have that support. In this article many studies were conducted. These are reliable studies that show how poverty among students can cause more problems in a childs academic development.

The author of this article describes how class and race can affect a persons life and what they do with their lives. The author has done a lot of research on different topics to see if the effects of a childs race or social status really have an effect on thier education. They found that children living in poverty have a less chance of succeding in academics. The main point of this article addresses is the African American population, but that is not always completly the case.

This article is about how the Harry Potter books have encouraged young people, especially boys to want to read.The books reach out to both boys and girls and make an intersting read for all ages. They have changed the way young people see reading.

Many surveys have shown that high school seniors continue to fail financial literacy tests. The surveys indicate that our current education standards are insufficient to prepare students for the real world.

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.

This article is about trends in Kindergarten learning styles. It is based on a book called "Inventing Kindergarten". It is based on the ideas of a man named Frobel. It is said that the ideas of Frobel influenced modern art. The ideas of Frobel include using extrinistic bribes in order to get the most out of your students. The ideas of Forbel are seen in many different countries and are continuing to be seen more and more.

A presentation to congress showing a large majority of secondary school students fail to reach proficiency in math and science, and many are taught by teachers lacking adequate subject matter knowledge. The article compares the U.S. to other countries proficiency and points out issues STEM aims to address

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.

This article talks about how Harry Potter has truly had a major impact on the literacy of young people. It give statistics of how many young people feel it has made them become more interested in reading. The article also gives results of studies done at a few universities

Georgiou shares the view of how school achievement is effected by the unity of a person's family. Children with parents that have greater incomes and better jobs tend to do better academically than students that comes from lower income. Georgiou conducted a study that shows the differences between the SES and socioeconomic status between suburban and urban schools. The results showed that test scores for people with low income tend to be lower because the lack of unity in their families. Even though this study focuses on schools on the island of Cyprus, this can relate to any urban and suburban schools.

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.

A 20 page survey on the impact of financial literacy classes and survey results. The surveyor examines results from every state and uses many detailed questions. His surveys included results by race, gender, and location along with many others. The stastics are starteling and valuable for research on financial literacy.

The goal of the study was to understand executives' feelings regarding employees with financial problems. The authors discovered that executives are adamant that their employees' finances are in order so company time and money is not wasted. When an employee is facing money troubles, he or she may become distracted at work or use company time to settle the matter. Many of the executives who were interviewed indicated they learned financials skill from their parents and while attending college.

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.

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.

This article is about the book that talks abot how different children read and learn differently. It gives good tips on how to figure out your childs best way of learning and reading, It has different sections about reading and learning

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.