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This article is about a study done on low income families. They have proven that when parents are in poverty it affects their children in a negative way. The study shows that these children are more likely to grow up to be low income when they are adults. Parents that are low income have to deal with many problems and don't have time to help their children get a good education.

Using an ethnography of discourse approach, this article argues that literate interactions in a rural eastern Kentucky community are strongly linked to symbolic values assigned to self through the gender-based division of reading and writing labor. Noting that literate practices are God-given attributes of women's "nature," it describes how literate interactions provide contexts in which a woman can negotiate her social, religious, and cultural identity. What constitutes acceptable literate forms is culturally constrained by a tension between maintaining "country" values while assimilating those "proper" women's literate forms which augment, rather than replace, oral forms. Men's identities are not linked to these literate practices, creating minimal or non-literate behavior. These cultural constructs of literacy affect both men's and women's behavior in classroom, workplace, or urban interfacing situations, affecting mobility problems. (Abstract taken from JSTOR.)

A study done on debt with college students. The article includes statistics. The statistics agknowledge the ongoing financial problem especially with young people. The statistics can be confusing but it is an interesting and valuable article.

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.

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.

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.

The article states that especially in times of economic trouble, no one can afford to be financially illiterate. The authors focus on the management of debt and college students. Specifically they address credit cards and student loans. They also speak of how certified public accountants are great educators for this problem. A valuable article to relate Accounting classes for students and their financial literacy.

Davis' study of the necessity for financial literacy is interesting and examines the cost benefit ananlysis for financial literacy courses. The study is done with Texas PTA parents and their willingness to allocate additional funds for financial classes. Davis addressses the growing problem of American students and their lack of finacial knowledge. Overall a valuable article to examine the publics willingness to provide funding for financial education

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.

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.

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.

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 talks about a meeting that took place between two committees who are trying to solve problems with the academics of college athletes. It mentions statistics about some of the football and basketball teams who struggle to get their players to be successful in academics.

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.

Consideration for smoking marijuana for medical purposes in the U.S. Types of groups which pushed for the legalization of marijuana for all purposes. Cases reviewed by the U.S. Supreme Court concerning medical marijuana and legalization. There are benefits to the legalization of marijuana dealing with economic and social problems. Harvard has gave supporting evidence for marijuana and health issues. Marijuana is a proven pain reliever. Also it help cancer patients maintain appetites, this is another supporting reason for medical marijuana legalization.

This article discusses the prospect of a drug control policy that includes regulated legalization. Claims that marijuana's medical efficacy is no longer in dispute and the idea that legalization will eliminate marijuana use among young people. Concern about abandoning those who could be treated for their addiction does not sit well with conservative values. This article talks about solving a major drug problem with just legalization. People refute that legalization of marijuana will help socially and economically but they are wrong. This articles gives me strong support on the benefits of legalization of marijuana.

The author examines differences between data they have collected of 13 urban schools. They collected this data by using test scores, surverys, and case studies, in which other people cmae into schools and watched them. They found very inconsistent information because of the small sample size they had. The only assessed low and high scoring students, which may have caused problems. The teachers use assesment in the classroom to see what students needs are and to have them achieve the goals.

This article from the Washington Post discusses the problem of aliteracy. Much more prevalent than illiteracy, it is also more insidious because unlike teaching someone how to read, which is fairly straightforward, how do you teach someone to LIKE to read? This article contains statistics on aliteracy in America and interesting ways in which aliteracy has changed the way our society functions.

Article deals with the risks involved from academic dishonesty leading to problems in our business society. A prime example given is the 34 students caught cheating at Duke University's business school.