English 102 - Spring 2009

Bill Streeter addresses the situation of a lack in financial literacy among young people in the United States. He offers information that shows how serious of a problem financial literacy is and that education of financial literacy is the solution to the problem. He puts in his own ideas and believes that banks, organizations, and associations need to help the issue at hand.

In this article the author goes over a program set in place by Nationwide in Great Britain to help promote financial literacy in schools. One ways that they do this is release copies of the book Teenage Guide to Money to schools. Mutual One is also another company that is trying to help out the cause. One of their ideas is to let schools use MP4 players and podcasts that teach financial literacy.

In "Using A Financial Education Curriculum For Teens" the authors explore the implementation of a financial literacy curriculum in schools. The program called "Money Talks: Should I be Listening?" is an appealing way to help educate teenagers in financial literacy. This article also has extensive research from a company called Jump$tart that proves the effectiveness of the program and financial literacy curriculum.

The author holds research concerning students food safety practices as a result from intervention. At the end of the experience he found that the participants became more aware of their food intake and the way it was prepared. They focused on college students because they are the most likely to unsafely prepare food.

The author discusses the relation between the college atmosphere and how it affects college females eating behaviors. This includes components such as peer pressure as well as nutrition. This concept relates to eating pathology found among female students on college campuses. Linder Danielle interviews college females in order to determine what aspects lead to such situations and what nutritional habits they take part in such as dietary pills and caloric intake restriction.

The research found by the author focuses on college students and how they choose the foods they eat at the food courts on college campuses. It only includes sixteen students at one college but the author finds very important information concerning food selection. They focus upon college students because it is the time of transition from childhood to adulthood.

This study includes research concerning two control groups in order to determine the factors that lead to the infamous Freshman 15. Of 133 participants they mapped out their diets and their physical activity over a yearlong experiment.

This is not a scholarly article but it is reputable. It reveals the common misconception behind the labeling on food. The author also addresses serving size and the ingredients list.

This study is questioning whether the legislation passed called the Nutrition Labeling and Education act actually causes consumers to purchase healthier food. The purpose of the study was to determine if the new labeling would affect how the consumers ate.

This article surrounds the idea that obesity in college students can be traced to eating disordered behaviors. They conducted research of students with different weights in order to find which weight group had the least amount of nutritional education. The higher weight group would partake in such unhealthy activities such as binge eating and a "preoccupation with food".

The research found by the author focuses on college students and how they choose the foods they eat at the food courts on college campuses. It only includes sixteen students at one college but the author finds very important information concerning food selection. They focus upon college students because it is the time of transition from childhood to adulthood.

This article surrounds the idea on how college campuses use their dining services and where the food is from. This gives background on campuses food, and gives a better understanding of their flexibility. It also shows how the dining services affect the local companies and the environment.

The study was made to determine what sociodemographic components affect food panel label use. It is targeted at adults and was found that more women with higher incomes are more likely to use the food panel. It was determined that the labels were used to maintain a healthy body weight based upon the information on the label. The survey was random across 50 states and the District of Columbia.

Dugas shares that in 2004 Citigroup donated $200 million, in a 10-year program to help encourage financial literacy. With financial literacy at an all time low, and financial products continuing to be increasingly difficult to understand, their efforts were very timely. Citibank shares in the belief that it is part of the financial industries responsibility to help educate people toward financial literacy. Financial illiteracy is growing and the need to slow it down is urgent. The article also talks about Citigroup's effort to partner with organizations such as Operation Hope, giving back to the community. The commitment is a long-term investment in the community, Citigroup further encouraged their employee's to volunteer in their communities, sharing their expertise in finance which will help encourage financial literacy.

The article focuses on the hard work of some financial institutions to help improve financial education in the U.S. These include money skills, and interative curriculum created by the American Financial Services Association Education Foundation, the Credit Union National Association, together with the National Endowment for Financial Education, and Visa, with the Federal Reserve Bank of Chicago.

The article suggests planning financial literacy programs for students. Furthermore, the author shares with the reader that that there are laws in Oklahoma, Colorado, and other states requiring high school students to show financial literacy in order to graduate. In addition the article shares that Capital One has created branch banks operated by students at several schools as well as the National Endowment for financial education has created a personal finance curriculum that can be integrated into regular school curriculum. Research suggests that personal finance courses have not improved student financial literacy. Lewis Mandell suggest that students should be taught about finance and savings at an earlier age than high school.

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.

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.

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.

Colletti discusses the coordinated approach to financial literacy for girls that was started by the National Coalition of Girls' Schools in the U.S. The article stresses the importance for woman and girls to have sound financial literacy for success. Children have an understanding of finance and fairness even at a very young age. Therefore, young children are capable of learning about financial literacy at a very early age. The article also shares results of a financial skills study of teenage girls. Financial literacy education is a tool to help bridge the gap that woman have experienced throughout the ages.