Mandatory Financial Literacy Class

Mandatory Financial Literacy Class
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Mandatory Financial Literacy Course
Many different studies have shown that having a mandatory financial literacy class would not be helpful for students because they think that they know
everything when they do not and when tested they don't score any better than those that do take the course. The mandatory financial literacy class is
not good enough right not for a changing world. Therefore, students should not be forced into a class that might hurt them in the long run.
First, with 13 states already having a mandatory financial literacy class, many studies have shown that those classes are not working but might give
them false hope that they know what they are doing. Tara Siegel Bernard quoted Annamaria Lusardi in a New York Times article that schools need to
start teaching the basics of economics so that the students can "'make financial decisions" on their own. However, this is just giving the students false
hope because in another article from the Chicago Tribune, by Greg Burns, he says that there is more and more evidence stating that the classes are not
only not working but "worse, they may actually hurt," the student. He continues ... Show more content on Helpwriting.net ...
This is correct, if they could make an effective course that would be great. However, Burns says that the only effective way to teach these classes is an
"one–on–one counseling," which would go way over the 10 teachers and six hundred thousand dollar budget in the Maryland school system. In a
New York Times article by Richard H. Thaler, he says that the courses "don't work." In a Harvard Business School study, they found that over the past
two decades "were no use at
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Financial Literacy In High School
Despite the natural, physical growth of mankind, the expected mental development from adolescence to adulthood requires much more nutrition than a
well–balanced diet. Unfortunately, it is apparent that some children are not provided with proper parental guidance during the most crucial years of
adult development, and due to this tragedy, the neglected youth relies solely on the state's public educational system to further develop necessary
qualities of a successful adult. Throughout grade school, children are only required to learn the core subjects of English, History, Math, Science, and as
well as health related classes such as Physical Education, and although each of these subjects are necessary for basic education, there are far more
important ... Show more content on Helpwriting.net ...
The majority of high schools in America offer some sort of "Home Economics" course as an optional elective class, and although these classes may be
very beneficial to the students' adult development, there are still no reported cases of a mandatory, fully in–depth Home–Living course that is required
for all students attending a high school. Some might ask why the course is Home–Living instead of Home Economics, and the answer to that is
because the Home–Living course will exclude the previously covered information in the mandatory Financial Literacy course in order to focus strictly
on the skills that are required to prosper in a healthy life. The priorities of the course should be proper education on nutrition and cooking, appliance
operation, and shelter maintenance. Further explanation on nutrition and cooking should be emphasized in order to bring complete awareness of the
harmful effects of obesity among young adults to ensure safe, healthy eating (qrcodestickers.org). Physical appliance operation should also be available
in each Home–Living course in order to allow students to directly learn how to properly use potentially dangerous equipment such as an oven and
stove, clothing iron, or sewing machine. Lessons on shelter maintenance will also influence safety for

Financial Literacy
Americas debt has doubled over the past several years, and most Americans do not know how to manage their finances. One of the only solutions
that come to mind when thinking of how to make the economy better is financial literacy courses. [Thesis] Students should be required to take
financial literacy class before graduating high school because [Reason 1] people need to learn how to logically make financial decisions, [Reason
2] and also to prepare people to make important economic decisions in an ever changing economy. Some people debate that financial courses don't
work and that for a class that it is not logical spend 600,000 dollars on a class which is suppose to teach students how save money is senseless. In
the article "Financial Cause Prompts Debate" by Gina Davis, "The $600,000 is a low cost if the course is effective. An effective course will return
that investment. It is a high cost if it is ineffective. "The initial cost would be a large amount but wouldn't it be worth the expense if in the end the
money would be one of the best investment that could be made.... Show more content on Helpwriting.net ...
There is a surprising amount of people that don't know how their credit works. Almost everyone has to make financial decisions before they even
graduate high school, and most struggle after making that decision since they were not prepared to make that

Financial Literacy For Teens Essay
Financial Literacy for teens Essay
Financial Literacy for teens, The teen's guide to the real world of money by Chad Foster. Publisher, Rising Books, 113 pages. Chad foster was a
former tennis player, and one of America's well known entrepreneurs. If you don't know him, I bet you know him for what he created. The Rubber
playground surface seen at McDonald's restaurants was developed and marketed by him. Chad is also known for his best selling, Teenage Preparing
for the Real Word, book and other life lesson books, tv shows.
Did you know 95% of young people will earn more than 1,000,000 dollars over the course of their lives? Reading this you're probably thinking no
way, but it's true. From the time you get your first job until the day the retire. You will have saved up to a 1,000,000 dollars. Chad Foster explains
everything you need to know in a short book that has helped teenagers and even adults across the world develop good, safe, financial habits. Decisions
that will help them be successful for saving and spending money wisely. ... Show more content on Helpwriting.net ...
Over million dollars pass through teens fingers over the course of their lives and they don't even realize it. Chad Foster figured out, how to make
money, how to keep money, and how to spend money wisely. In this book Chad tells you how to do that. Chad says. "Make Money While You Sleep"
that means work smarter not harder and life will be easier for you. Why teach financial literacy? One third of high school seniors already use credit
cards. 65% of college students carry credit cards, debit cards with more than half those students charging their cards to the limit. American lost 8.6
billion in personal property destroyed by fire. Teens overall spend 175 billion dollars per year. This book will take you step by step what to do and how
to do it so those peoples we face won't

Financial Literacy Argumentative Essay
As of today only one state has received an A+ grade from the CCCFL for their financial literacy courses taught in high school, while many states offer
no personal finance courses at all. High school students are subject to many dangerous ploys that are obscure and meant to lure them into costly
decisions as soon as they turn eighteen. This may be through credit card offers, student loans, elaborate scams, or simply deceitful advertising. These
traps may stay with the student for the rest of their life, such as identity theft or high interest debt that will take decades to pay off. Statistics reveal that
75% of credit card carrying college students were unaware of late payment charges, additionally the late payments are typically the minimum ... Show
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After fifty years with a compound interest rate of 8%, the $10,000 is now worth over $450,000. This is with no additional contributions! Only the
initial investment. The ability to utilize compound interest, such as investments in the stock market, will yield the investor much more money rather
had it all been sitting in a savings account. We consequently see that investing in time is much more beneficial than investing in money. In other
words, decisions shouldn't be made based off what would yield the most money in the shortest amount of time, instead the costs and benefits should
be weighed with a long term time frame in mind. These returns are possible because compound interest allows the investor to earn interest not only
the initial investment, but also on the money the interest has earned in the past, while simple interest only earns the investor interest on their initial
investment. While in the past 40 years the total US stock market has yielded an average 8% return, not every year will yield 8% in returns. For
example, the total US stock market yielded over 20% over a dozen times in the past 40 years, some years reaching over 30% returns! While in contrast,
there have been multiple years of negative returns, resulting in the decline of the price of investments. For these reasons, the buy and hold strategy

The Impact of Financial Literacy Education on Subsequent...
Article Comparison
Mandell, L. & Klein, L. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and
Planning 20(1): 15–24. The data presented in this article is comprised of quantitative assessments of financial literacy in a population of 79 students
one and four years after their participation in a financial literacy education course. The data is presented and interpreted in both visual/graphic fashions
and in textual examinations and explanations, meaning that both directly observable quantification and qualitative interpretation is provided. Because
of the extensive and multi–layered presentation of this data, it is highly possible for the reader to develop their own interpretation and summary of
findings through an examination of the raw data tables and hose that present basic summary statistics, meaning the summary provided by the authors
does not have to be relied upon as the certain and complete summary of the data. This is not ultimately of major importance, however, as it is difficult
to interpret the basic findings of this research in any way other than that presented by the authors. Because the population of research subjects was
selected from a singular area without a broad range of significant demographic differences, it does not appear that there are any relevant variables that
were not addressed/controlled/accounted for in the research and the results. The argumentation provided by the

Financial Literacy For Children
Financial literacy for kids starts at a very young age. In fact from the moment your child first sees you handling money they begin creating ideas of
what money is and what it does. Because the lessons your children learn about money are critical to their financial future, it is absolutely necessary
that you become a good role model for your children. Believe it or not parents you have everything you need right now to help your children
become financially responsible. Here are some ways to take what you already have and become a role model for your kids. The first thing to do is
take an honest look at your financial situation. Regardless of whether it looks good or bad you can teach your kids. Here are some things to consider
when looking at

Financial Literacy Involves The Choices
Financial literacy involves the choices you make about how to secure the resources that you need to fulfill your basic needs and achieve your goals.
Financial literacy involves is a toolbox that contains many different tools. Below is a discussion of some of those tools.
Money Choices – the medium of exchanged used to acquire good, services, and typically used to satisfy debts. Money flow to us from a job,
government assistance, child support, family, and/or friends.
Banking Choices – A bank is a financial institution that will allow you to conduct several financial transactions. A bank offers a savings account where
you can accumulate your money. A checking account that enables you to pay for goods and services using checks, a money... Show more content on
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It is important to distinguish between types of loans.
There are two types of loans: secure and unsecure. o An unsecured loan occurs when a third party (bank or financing company) provides you with
money and you repay it monthly. You do not have to provide the third party any asset of value to acquire the loan. Typically, yourcredit score is the only
resource needed to acquire an unsecure loan. The higher your credit score – the less service charge or interest you return to the lender for using its
funds. o A secured loan occurs when a third party (bank or financing company) provides you with money and you repay it month. However, you
have to put up collateral (assets of value). Lenders will take the house or car titles as well as stock as loan security. o If you do not have collateral,
the third party might require that you get a cosigner, who acts as your collateral. If you do not repay the loan, the cosigner will have to pay. Given
your financial situation, the third party may seek repayment from the third party instead of following up with you. For example, you are laid off from
work and begin to collect unemployment. Since your income is unreliable, the lender may seek repayment from your sister because she has been a
teaching for 10 years. PayDay Loans
Pay Day loans are unsecured loans. Your paycheck determines the amount you can borrow. Payday loan companies are not categorized by the federal
government as

Why Financial Literacy Is Important
Financial Literacy is the focal point of the Everfi program. This program covers everything from responsible money choices to savings and
interests. And prepares us for what responsibilities we will have after we are out of our parents financial wings. Overall Everfi is a helpful tool for
young students who do not know much concerning finances and money. One of the most interesting parts of Everfi would be the unit which talked
about stocks and bonds. This portion was engaging because it told of the different productive ways to make money with a bank. And informed on
how bonds are lower risk than stocks, this is useful because if I ever decide to invest I know which will be more beneficial and will have less risks.
Making the stocks... Show more content on Helpwriting.net ...
This miniature quizzes tested your knowledge on the subject, which caused me to realize whether or not I needed to pay strict attention. Also, the
tests at the end of each unit provided an estimate on how much was learned. These both were especially helpful in making sure I knew what was
going on. One thing about Everfi I did not appreciate were the games I had to complete before being able to move on to the next unit. These games,
however short, were painfully annoying and did not produce any helpful information. In addition, they seemed to be geared towards younger people.
I did not find them helpful nor informative, therefore this is the one thing concerning Everfi I would change or completely erase. Everfi has one goal;
to create financially proficient young adults. This program helps with so many subjects concerning finances. Which is extremely advantageous,
especially for those who are not wise in the ways of money. I am personally thankful that I took this course, because it proved beneficial and added to
my knowledge about money. Finally, Everfi was a creative and inspiring program which inspires me to be more conscientious when dealing with

Financial Literacy Essay
FINANCIAL LITERACY
"Financial literacy is one of the most important investor basics, especially if you want to be a safe investor, an inside investor, and a rich investor.
Anyone who is not financially literate cannot see into an investment. Just as a doctor uses X–rays to look at your skeletal system, a financial statement
allows you to look into an investment and see the truth, the facts, the fiction, the opportunities, and the risk. Reading a financial statement of a business
or individual is like reading a biography or an autobiography."
"A business has a financial statement, a stock certificate is a reflection of a financial statement, each piece of real estate has a financial statement, and
each of us as an individual human ... Show more content on Helpwriting.net ...
A sophisticated investor reads the numbers to get the true story and begins to see things that the average investor does not see. A sophisticated
investor must see the impact of government regulations, tax codes, corporate law, business law, and accounting law. One reason it is hard to find
accurate investment information is that to gain a full picture requires financial literacy, an accountant, and an attorney. In other words, you need
two different professionals to get the real picture. The good news is that if you take your time and invest the time to learn the ins and outs of what
goes on behind the scenes, you will find investment opportunities and great wealth, wealth that very few people ever find. You will find out the
truth about why the rich get richer, and the poor and middle class work harder, pay more in taxes, and get deeper in debt. Once you know the
truths, you can then decide which side of the quadrant you want to operate from. IT'S NOT HARD; IT JUST TAKES SOME TIME...TIME THAT
PEOPLE WHO JUST WANT A HOT INVESTMENT TIP DO NOT WANT TO INVEST."
"When you come to the boundaries of what you know, it's time to make some mistakes."
"The streets are a very tough teacher. In school, you're given the lesson first. On the street, you're given the mistake first and then it's up to you to find
the lesson, if you ever find it...in

Financial Literacy Classes Essay
As the years go on, more and more states require their students to complete a personal finance or financial literacy course. For example, in the state of
Tennessee it is required that all students must take a half credit, or one semester, of personal finance to graduate high school. However, some people
may ask themselves, do required financial literacy classes actually help students? The answer is yes, required personal finance and financial literacy
classes do help students and young adults in their futures as they graduate high school or college, and they should be mandatory across the U.S.
Requiring students to take a personal finance course does help students make better financial decisions later in their lives. Many teenagers and young ...
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is because many schools are either not putting enough emphasis on the class or they are treating the class like a core course such as science or
history. Personal finance classes should be treated like sports in a way. There are so many different situations and possibilities based on the
actions of the individual that there isn't a clear cut right answer to every problem. Students have to practice different situations and treat the class
like it is happening to them in real life, just like how a sports practice mimics a real game. Matthew Frost, an 11th and 12th grade American history
and economics teacher at Sunset High School in Dallas, tries to bring his personal finance lessons to life by pairing students up as married couples
and giving them a couple "children" to be responsible of. During the class, "Students must then create a budget based on the average income range
for their neighborhood, or about $21,000 to $40,000 per year...Mr. Frost has them randomly pick 'chance cards' from a bag, which might tell them
they need new brakes for their car, broke an arm, suffered a death in the family, or found $20". Students also learn investing money, how to use credit
wisely, insurance, and careers. One of his previous students wrote to Mr. Frost about his experience and said, "I [also] learned that good budgeting has
to be maintained throughout a person's life no matter the income, no matter the living

Financial Literacy Research Paper
Financial literacy classes are problem today. Many people say that it is a necessary course to take, others disagree and say the course does not help. So
what is the best choice to take? Financial literacy classes are essential because many students are not taught at home, it teaches students how to have a
good budget, and also helps students with life situations. It's important to have financial classes to help students before they graduate high school.
As students grow up they will end up with more responsibility's and so they will have to learn how to save money. But parents are not doing their part
on teaching their children the basics of managing money. "Finance Course Prompts Debate" states, "Studies have shown that only 26 percent of 13– to
21–year–olds reported that their ... Show more content on Helpwriting.net ...
"Tara Siegel Bernard" states, "And I'm not just talking about learning to balance your checkbook. It's understanding concepts like the time value of
money, risk and reward, and, yes, the importance of savings." The author understands that students not only have to learn to balance their money, but
also learn how to manage money in certain scenarios. Author "Gina Davis" says that financial classes are to expensive and it is not effective. He
also states that, "The $600,000 is a low cost if the course is effective. An effective course will return that investment. It is a high cost if it is
ineffective." However we know that the courses are effective because "Tara Siegel Bernard" states that, "College students who came from states where
there was a course required were more likely to budget, were more likely to be saving, and were less likely to have maxed out their credit cards in
the last year and were more likely to be paying off their credit cards fully" Schools must teach students to proper way of investing money and have a
balanced checkbook. Without them Americans won't be able to make the right choices in certain

Synthesis Essay On Financial Literacy
Financial literacy is the key to financial stability. So, why do so many Americans, who have stable environments, struggle with this important skill.
Here is the answer, this life standard is not properly taught in today's time. Now as a high school student in the state of Tennessee, personal finance is
a credit you must take in order to graduate. With that being stated, many of the students did not care about the subject, they just had to pass to
graduate. I have learned more from my parents' teaching me early than that one semster of just watching videos. Financial literacy courses should be
taught at a higher level of maturity and with a more effective outcome. Source #3 provides many examples on how to approach financial literacy
courses.

Questions On Financial Literacy Education
Rationale:
Financial Literacy Education, FLE traditionally assumes that the more knowledge a Financial Literacy Learner, FLL has the better the financial
decisions outcome. In addition, government mandates address more objective financial approaches to FLE rather than those approaches related to
attitudes and behavior of FLL. The use of personal experience and the telling of relevant personal stories are an impactful tool to use in the
classroom. The idea of posing this research question is to find out if the promotion of personal experience via the use of impactful tools such as the
telling of personal stories be encouraged for use in the classroom. This particular question sets to find out the relationship of FLE Educators personal
beliefs and how they affect FLL overall personal financial satisfaction.
An Integrative Essay and the Posing of One Research Question:
According to Tisdell, Taylor and Sprow Forte a complex interaction exist between educator's beliefs and their pedagogical approach to the teaching
practice in the classroom. Similarly, learners are affected by emotions and money when making financial decisions.
Financial Literacy Education, FLE, learner's face a current risk for economic uncertainty and "income volatility" (Kindle, 2013, p. 397). A study done
by Wheary, Shapiro, & Draut (2007), cited in Kindle, concluded that only 31% of middle class groups had an income to maintain middle class financial
security. At any given point any financial

North-American Financial Literacy
Money plays a big role in our life, yet as a society we hardly talk about it. We all desire it, but barely understand it; money has become one of the
biggest taboos of today's society. Which has lead to widespread financial illiteracy Over the last few decades, today the average North–American has
become ever more responsible for their own financial well being. Since the complexity in financial products as well as intensifying budgetary
pressures have increased it has had a traumatic impact on everyone. One area where the average North –American's competency is suspected to be
lacking is in the area of financial literacy, or the vocabulary, knowledge, and skills to make sound financial decisions based on one's budget and goals.
Without these skills individuals find themselves at a disadvantage, and when a large portion of... Show more content on Helpwriting.net ...
The first section explores the levels of financial literacy among different demographic groups. The next section will be an evaluation of the financial
outcomes experienced by people of varying literacy levels. Finally the last section will focus on factors that affect the decision–making process. will
conclude this paper with recommendations for fixing financial illiteracy and improving an individual financial outcome in various ways. The state of
financial literacy in the North America is poor. Most surveys show that many people have trouble with topics requiring numeracy and a knowledge of
how debt products and financial assets work. Survey results from the Jumpstart Coalition indicate that high school seniors are failing in the area of
financial literacy; on average, students answered correctly on 58 percent, 52 percent, and 50 percent of questions given in 1997, 2000, and 2002
respectively. Adults scored slightly better but still missed some basic credit and insurance questions. African–Americans and Hispanics generally
scored below the average. Repeated tests on students in subsequent

Financial Literacy
My mother says, "We are blessed to have an education, an education that holds key ingredients to being successful, a successful life filled with
endless assets." My teachers says, "Education can lead one to many roads ahead of one's life." However not one talked about the reality of financial
literacy, money talk. The value of how money can make one rich or one poor. Quotes Robert T. Kiyosaki, "Simply put, without financial literacy and
the knowledge of how money works, they are not prepared to face the world that awaits them, a world in which spending is emphasized over savings."
It is this reality that makes my life and career choice stressful–endlessly. Money talk is not simply formulated to be solvable, it is a complex equation
that revolves around steps after steps to be able to master it endlessly. That is why mastering financial literacy is a formulated equation that takes
years to master for any individuals. However, if applied to my life and career, I see that financial literacy takes a huge part in understanding what my
assets and liabilities are. When money talk is talked upon, money comes in and out of my daily life because money can give me pleasure without ever
flinching my eyes. So being able to understand the importance of financial... Show more content on Helpwriting.net ...
Spending your money wisely is key when it comes to an education from the start to the finish. When understanding financial literacy putted into my
education, I'm able to set forth my path into my career. Meaning I am able to retire sooner with assets that I can keep in the long run. Also with
income coming in without ever leaving my house because I understand the importance of financial literacy. Because money is working for me not me
working for money. That is the truth of understanding financial literacy that when money is working for you, money talk is like a river, flowing

Negative Essay On Financial Literacy
Introduction Financial Literacy is "the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial
well–being." Many people in America today, old and young, lack financial skills such as, paying taxes or money management. The main significance
of taking a financial literacy course is to inform people that there are ways to manage money and save for investments. Financial literacy has helped
high school and college students branch away from home, inhibit poor economic decisions, figure out plans for after retirement, and help companies
produce, save and invest money. In 2007–2009, America went through a financial crisis that caused an increase on the federal budget deficit, and it
was allegedly the worst since the Great Depression. This crisis led to lack of budgeting, interest, and long–term financial planning. "These widespread
financial problems may be remedied if people were more financially literate" (Wagner). Without the proper financial training common Americans need,
they will not know how to redeem and support themselves from financial crisis such as this one. Thinking About Your Future Financial literacy has
many short–term and long–term positive effects on people in America. If this curriculum is being taught in high school, young adults will have better
comfort and understanding of financial matters, which will lead to better financial decisions (Bernheim, Garrett, Maki). Researchers did a national
survey called The

Financial Literacy
By the time of Ashton's graduation, he knew how to find the value of x in a quadratic equation more easily than to balance a checkbook. His inability
to know about financial literacy landed him into bankruptcy at the age of 25. Nowadays, young Americans who graduate will be asked to make
financial decisions for themselves and high schools are failing to prepare them for the mathematics of the real world. Many students who leave high
school face a similar handicap while dealing with simple deeds such as managing their loans, money and debt.Therefore, Schools in America should
allow financial literacy in their curriculum since it gives a better understanding of financial management for the future. Opponents of teaching financial
literacy may argue that it has a negligible impact on society, but that is not the truth. Knowing about financial literacy before college is 'too important
to ignore'(Frost,3). It's crucial for making suitable financial decisions for the future and all of the students are going to use it in real life. In real life,
students need to apply this knowledge ... Show more content on Helpwriting.net ...
The recession was the eye–opener for numerous people as it made them realize the significant importance of financial education and how a single
mistake could change a person's life forever. According to a news article for USA Today ' the recession really put a fine point on it.'(Morrison,4).
The new focus on financial literacy to be taught in schools is to create financial literate students to prepare them for the real world economic
problems. However, only 20 states in the U.S require to take a course in economics. According to a news article for USA Today teaching the students
about 'the basics of economics and finances' is essential to make helpful finance–related decisions in the future

Assessment of Personal Financial Wellness of Teachers
Proper financial education is an important part of life because it affects virtually every aspect of it. Everyone will likely someday face a difficult
financial situation, whether large or small, that requires time and money. Having a good understanding of daily cash inflows and outflows in personal
finances will help make tough situations less stressful and easier to handle.
Cash (1996) Among five risk stressors in life ( relationships, work, health , crime/violence, & personal finance), personal finance was rated as the
number one source of stress, concerns about personal finance are five times higher than those regarding health. Garman et al (1996) research has
indicated a relation between personal finance stress and backache, ... Show more content on Helpwriting.net ...
2. Is there a relationship between the level of financial wellness and the demographic characteristics of the respondents? 3. What are the common
sources of information on financially related decision that the public school teachers commonly accessed? 4. Personal perception of the teachers if they
are qualified to integrate financial education in their respective subjects? 5. What are the most desired financial education topics of the respondents? 6.
How many of the teachers have participated in a financial education program in their formal school or through their employer.
Respondents
The respondents are public school teachers of a selected public school in Imus Cavite.
Demographic Characteristics
Demographic characteristics, such as gender, marital status, education, ethnicity, age, income, number of young children ( financially dependent
children ) , housing tenure and years in service.
Financial Wellness Scale
This researcher has obtained from Personal Finance Employee Education Foundation through Ms. Mary Moldenhauer, a paper approval for the use of
their developed and validated Personal Financial Wellness Scale.
PFEEF is a non –profit organization that promotes and facilitates financial education in the workplace with address at 9402 SE 174th Loop
Summerfield Florida,United States 34491.
The Personal Financial Wellness Scale is an eight–item self–report subjective

Impact of Financial Literacy on Financial Inclusion and...
Abstract:
Financial inclusion has recently become the buzzword among the policymakers and bankers and in academic research. It is considered as an integral
part of the efforts to promote inclusive economic growth. Financial inclusion has been the utmost priority for the government of India as well as the
Reserve Bank of India. One of the executive at a prominent Public Sector Bank says, Financial Inclusion is a social obligation for the government, and
social obligation, mandatory obligation as well as Business opportunity for the banks and financial institutions. Financial inclusion represents the
access to safe, easy and affordable financial services for poor, vulnerable groups, disadvantaged areas for accelerated growth and for ... Show more
content on Helpwriting.net ...
Financial inclusion and financial literacy:
Having understood the simple meaning of financial literacy, now its time to get an understanding of financial literacy and its impact on financial
inclusion.
Financial inclusion:
Before entering the concept of financial inclusion, let's have a look at some statistics:
There are 403 million mobile users in India and out of them 46% does not have bank accounts.
Nearly 400 million Indians have bank accounts and that is less than 40% of country's population.
Account holding pattern of India, 39% of rural population have bank accounts and while 60% of urban population have accounts.
Only 5.2% of India's 6,50,000 villages have bank branches.
Nearly 80% of the Indian population is without life, health and non–life insurance coverage while whole life insurance coverage is 4%, and 0.6% have
non–life cover.
Rural India accounts for just 9% of total deposits, 7% of total credit and 10% of life insurance and 0.6% of non–life insurance.
On one hand we talk about the increasingly aware Indian Middle classes who have access to disposable income and we also talk about how banks are
providing them with various innovative new and attractive schemes and products and thereby are offering them with a safe and secure future.
With all these and much more, by keeping in mind the recent statistics, can India really march ahead while the

Financial Literacy
Doing the Salt online courses helped me better manage my money and have initiated my search for a good credit card. Since doing the budgeting
and credit courses, I've committed to what the courses taught me. Before the budgeting course, I would not look at my spending habits. In the
course, I learned the differences between fixed and flexible expenses and how to categorize my current expenses. After taking the course, I started to
overlook all my transactions, was more mindful of my spending, and started a savings account. I no longer make unnecessary purchases and am
enjoying watching my savings grow. The credit course gave me a good background to what credit is and what it is used for. I now realize, that I should
... Show more content on Helpwriting.net ...
Although I haven't submitted all three of my scholarships, I have gotten all of the information filled out, and have started a draft for their
questions. By the end of this semester I will have applied to the general UNR scholarship, the Doyle Foundation scholarship, and the Reno Rodeo
scholarship. This semester I learned that there are very little scholarships open in the fall. In my initial search for scholarships, I listed all the ones I
would like to apply for next semester, so I'll be set for then. I also learned that another good resource for scholarship lists are from the emails I had
received from my high school career center teacher. A couple of the ones she sent out are still applicable to college students and are local, so it's a
better chance of me winning them.
Explain how receiving TRiO funding would contribute to your academic success. [150 words minimum]*
As I am going into my 300 and 400 level engineering classes, not only does my excited for them increase, but also the tuition because of the extra
$85/credit differential fees. I am starting to see that I may have to pay out of pocket because of these fees. I already work with DFS for 10 hours a
week, but if I have to dedicate more time to another job, I fear that my grades may suffer. As it is right now, I am almost entirely focused on my
classes, and I am benefitting from it greatly. I am still on track to keep my 4.0 this fall semester,

Financial Literacy Class
Financial literacy class credit isn't needed
The discussion weather or not we need credit for a financial literacy class or not has become a big deal. We all have our opinions on if it does or
doesn't. I believe that a financial literacy class shouldn't have a credit needed to graduate. Reason for this is because High School students already have
enough credits they need to get and also it seems like a street smarts class. Something that most of us should already know well enough to be fine off.
The students in High School have tons of other classes that take up credits to graduate. Weather it is electives or just core classes. Putting a credit
needed on a class that doesn't necessarily seem "needed" would just put more stress on the student.

Questions On Financial Literacy Skills
Introduction The objective of this report is to analyse two clients using primary and secondary data in these following areas: пѓ Their financial
Literacy skills пѓ Their risk Tolerance пѓ From the data how will you effectively communicate in relation to the two clients пѓ Email regarding
communication effectiveness within the business To assess the above criteria a hypothetical scenario was made that both clients had received an
inheritance of $40,000 and how with go about investing their money investing their money. The effective communication is to address common
business communication skills, where email will be developed to inform and outline effective letter writing skills. Financial Literacy Skills Financial
literacy is relatively broad to define, as it solemnly depends on ones knowledge and ability to interpretation of financial terms and concepts
(Worthington 2006). An individual understanding financial literacy revolves around influential aspects of their lives such education, experience,
income and work experiences. The two clients analysed in this report both had different understanding of specific financial literacy skills. Client 1
Client 1 was a 23 year old male born overseas , who works within the financial sector and held a bachelors degree in business & commerce, his
financial literacy skills were good certain areas. His strengths revolved around a good understanding on superannuation and the housing markets. His
weakness revolved around understanding the

Economic And Financial Literacy In America
Economic and Financial Literacy in America
Introduction
What would it take to improve the level of economic and financial literacy in Americans? Gupta, A. K. (2006) quoted Chris Farrell as stating that "the
case for economic literacy is compelling to the extent that it helps people navigate better through this world." There are many financial decisions that
Americans are required to make throughout their lives such as managing income, deciding what expenses are necessary like food and housing,
budgeting for other necessities, saving for retirement, and hopefully achieving the American Dream by creating wealth. Without economic literacy
there is a danger of making bad decisions and poor choices that can hurt one's potential to not only create ... Show more content on Helpwriting.net ...
This means that in order for campaign to be successful with all age groups, there must be separate campaigns for each group. For children, playing
games like "store" or "bank" are excellent ways to educate about financial principles. When children ask to buy something that is not affordable, or
within the family budget, parents need to seize that opportunity to teach their child by answering "we cannot afford to buy this now because we need
to save money for things we really need or want" instead of replying "I don't have any money." These simple conversations and activities will make an
impact on how a child who is barely beginning to understand basic financial principles feels towards budgeting and will help to solidify their
understanding of those basic principles. For teenagers, in addition to more complex but fun games containing financial principles, role playing and
pretending to conduct financial transactions is a great way for them to master basic financial skills. Children and teenagers learn best by participating
in activities where they learn through experience. McCallister, C. (2002) confirms this by reporting that "learning is essentially a social process and
that the social process enhances learning outcomes, and that modeling, demonstrating, describing, and explaining really do help to foster learning
understanding." Internet, media, and billboard campaigns

Outline On Financial Literacy
A.The problem
a.Americans are overly confident when it comes to finances, yet many Americans do not have a solid financial plan to ensure a financially secure future.
B.The Reasons
a.Financial literacy is not part of the American education system. When I was in high school, nobody taught me how to plan for retirement, nor did
they teach me how to file my taxes, and they sure didn't teach me the importance of money management.
b.In the first large–scale international study of 15–year–old students' financial literacy skills the U.S. ranked 12th out of the 18 participating countries
c.Adults haven't fared any better. In a retirement income literacy survey conducted for The AmericanCollege of Financial Services last year, 80% of the

Financial Literacy Papers
What is financial literacy? Why is it so important? Why should people of all ages learn about financial literacy? What benefits does teaching financial
literacy provide to those of young ages? Those are all questions which many ask. According to Investopedia financial literacy is defined as,
The possession of knowledge and understanding of financial matters. Financial literacy is mainly used in connection with personal finance matters.
Financial literacy often entails the knowledge of properly making decisions pertaining to certain personal finance areas like real estate, insurance,
investing, saving (especially for college), tax planning and retirement. It also involves intimate knowledge of financial concepts like compound interest,
financial ... Show more content on Helpwriting.net ...
These types of people learn from pictures, movies, presentations, color variation, and/ or videos. For example, if a teacher is trying to teach the
student to tie his shoe laces, he or she can use two colors of shoe laces to make it easier for the child to distinguish both of the laces and explain by
demonstration step by step. Another example is when using parts of speech one can use different colors to differentiate between the verbs, adjectives,
nouns, pronouns, etc. Aural or auditory learners learn from. Those types of people exercise their sense of hearing. For those of younger ages, one can
teach songs such as "Heads, Shoulders, Knees, and Toes," use voices in storytelling, and/or use sing–alongs. For older ages, one can play some music
while the students are working, or ask the students to create a song and lyrics or a story pertaining to a certain subject. Linguistic learners, also known
as verbal learners, learn by taking notes, reading aloud, or listening to lectures. If teaching a subject such as spelling the teacher could ask the student
to write each word five times, or spell or listen to it out loud. Kinesthetic learners love being physical, engaging their body in activities. These are the
types of students who might not benefit as much from listening to lectures, but are more hands on. They like demonstrating what they learned by using
techniques such as plays, models, experiments, etc. "For example, if

Financial Literacy is the key to Managing Money. Financial literacy is much more than learning of how to count your money when purchasing a gallon
of milk at the liquor store. Financial literacy at times is mistaken for Economics, and it's easy to understand why. Yet, financial literacy is the
understanding of how money functions in this world, how to properly manage it, how one would properly invest their money, and how to donate your
money to help others. Sounds like a perfect curriculum to teach students? Yet, politicians, teachers, and school officials hardly take it serious in this day
of time. Many schools lack the resources and curriculum to actually teach the students about financial literacy. Therefore, politicians should vote in
enforcing the Department of Education to teach financial literacy to students in junior high and high school. The lack of financial literacy skills has
affected many students in the American public school system. Researchers at University of Nebraska studied how students score on a standardized
personal finance test. The results generated in this studied showed 6,700 U.S. high school students scored an average of 52 percent on this test. But,
this was not the worst thing found in the study by the researchers at University of Nebraska. The worst thing found was a gender gap in the results of
this personalized finance test. With boys scoring more than girls in 20 of 23 subjects in the test. Subjects areas in this personalized finance

Financial Literacy Course Analysis
The idea of adding a financial literacy course into schools curriculums and requiring students to take it before graduating is a current decision being
considered by numerous school districts. Supporters of this idea say that it would have a positive effect while the people who oppose this idea state
that financial courses don't work. Financial literacy courses would benefit many Americans and could have prevented some of the financial mistakes
they have made. In the article "Working Financial Literacy in With the Three R's" by Tara Siegel Bernard, published by the New York Times,
Annamaria Lusardi states "We need to teach the basics of economics and finances so people can make financial decisions in the world". Inputting
financial courses into high schools would allow students to learn the basics of economics to prevent financial mistakes and would prepare the students
for the financial decisions they would have to make in the future. These financial courses would not have a negative effect but would have a positive
effect on high ... Show more content on Helpwriting.net ...
these courses are being used to educated students about financial literacy to better prepare them for the future. As stated in the article "Financial
Education Leaving Americans Behind" by Greg Burns, "Utah, Missouri and Tennessee require students to take a semester–long personal–finance class
before graduating from high school..." While many people find these courses to be helpful others are against this idea. In the article it states " Trouble
is, growing evidence suggests that financial–literacy courses don't work. Worse, they may actually hurt, in part by making their graduates
overconfident about limited skills". On the other hand supporters point to the fact that people who were not required to take a financial course are not
aware of how to take care of their finances. Which is concerning and is a great example as to why schools districts should input these economic courses
into their

Financial Literacy Review The area in which I spent the most was definitely transportation however, this expense was an absolute necessity that I
could not avoid. Being raised to be conscious about my money spending habits and to always look for a bargain was not something I could
necessarily put into practice concerning this area. Areas where I spent the least would have to be personal care and personal extras; there is always a
great sale and or off brand personal hygiene product to be bought. When I don't buy the flashy product with the pretty packaging and well known name
I save a bit of money in the process. The fact of saving money on products like these is so liberating and I get a huge adrenaline rush out of it! As far as
... Show more content on Helpwriting.net ...
Money does not define who I am or what I am meant to do in this world God does that. It has been a real challenge not having a job when society is
constantly telling me that I need one right now at this point in my life. I know that God is teaching me very valuable lessons by my not obtaining
a job yet and I trust his plan and ways. To improve my money matters I do believe that it is okay and important to treat yourself every once in
awhile. I do not take up this practice very often and should now and then. In saying this though, I will treat myself on a budget and continue to hunt
for a bargain always. Obviously one great way to improve my money matters is to obtain a job. I will continue to do just that but if my search goes
weary I will be content with all that I have and will trust God to provide for me.
As far as credit cards are concerned three good reasons for obtaining one are; they aid you in establishing your credit score as well as history. Credit
cards are also great if there is an emergency that requires immediate financial action and assistance. Lastly, credit cards offer many benefits such as
cash back, rewards, and discounts. The negative effects of credit cards is that they often come with high fees and interest rates. One other negative
drawback to obtaining a credit card is that individuals can get themselves into

Financial Literacy
Financial literacy has been one of the many courses that are not being recognized enough in schools today. Only about 13 states require their high
school students to take a finance or economics course before they graduate. Although some people think that financial literacy courses are not efficient
and should not be incorporated in schools due to ideas that it will harm the individuals instead of helping them. Financial literacy should be required
because it helps the new generations understand the importance of money management in the real world, increasing awareness overall, and students are
able to receive the necessary help from their teachers while learning about loans, budgets, and expenses. Financial literacy is important because... Show
more content on Helpwriting.net ...
Source #1 suggests, "College students who come from states where there was a course required were more likely to budget, were more likely to be
saving and were less likely to have maxed out their credit cards in the last year and were more likely to be paying off their credit card fully." This
proves that the students that had taken a finance course are doing way better than those who haven't, based on the way they managing their money and
are being fully aware of the results of how to deal with money and what the results are if you don't be careful. Furthermore, source #4 supports this
idea, "I am concerned that we picked the low–hanging fruit, which may be the most expensive and least effective option." This means that it is
troubling to think that people might be dealing with expensive debts due to not being aware of the other choices they could have chosen and saved a
lot of money. Providing students with a financial literacy course will increase awareness to prevent students from having huge debts. The students will
at least be able to acknowledge that they were aware of the consequences of their decision making with the financial literacy

The Importance Of Financial Literacy Campaign
Fourteen hundred billion dollars. That's how much Americans owe in student loan debt (Federal Reserve). And yet we continue to fund our education
with loans. While I am striving to obtain a debt–free education, many of my peers don't have the same goal. And even I don't completely understand
common monetary proceedings like mortgages or tax returns. To succeed during and after college, we young people need to understand how money
works and how to use it wisely. My generation isn't the only one that that needs help––younger kids need to prepare for their financial futures too.
That's why we need a full–on financial literacy campaign, combining in– and out–of–school support.
First, financial literacy needs to begin long before high school. ... Show more content on Helpwriting.net ...
While many high school students do take economics before graduating, these one–semester courses often take general, sweeping looks at money, only
touching lightly on everyday financial dealings and how to approach them. I took economics my junior year, and learned very little on how to manage
my finances. However, this year I am taking the Dave Ramsey Personal Finance course and learning practical ways to manage money now. I've already
started a financial tracker in my bullet journal, where I carefully record my income and expenses. I also understand much better how bank statements,
monthly budgets, and checking accounts work. I'm learning to evaluate and change my money habits. I'm also learning how to set and reach long– and
short–term financial goals. All students need a hands–on, in–depth finance course like this to grow toward financial literacy.
While in–school programs and courses can improve our financial literacy, they can only do so much. The majority of money management has to do
with mindset and behavior (Dave Ramsey). That's why we need financial literacy practice outside of school. Teens need extracurricular programs
where we can apply budgeting skills to specific, real life situations and get assistance with financial processes. I attend my local Alpha Kappa Alpha
chapter's A.S.C.E.N.D. program, and some of their sessions include financial training. Last year, a representative from a state school explained various
forms of

Taught Financial Literacy
All Students Should be Taught Financial Literacy
In school, students are taught about Math, Language, Social Studies, History. We get taught things that do not apply to the real world. We do not get
taught how to save money for our futures and we also do not get informed on how there are not many jobs open for our generation in the future which is
a problem. As you can see, if we do not learn about this topic at an early age, and it can act as a potential liability to our future endeavours which
results in an overall negative impact on our lives.
Being in debt is very stressful, it is like having overdue homework. You have so much to pay off and it eventually gets all piled up and you do not
have enough money to pay it off. ... Show more content on Helpwriting.net ...
Once you learn something at an earlier point in life, it is most likely to stay with you throughout your whole life. When a baby is born and it hears
its family speaking in a certain language, it then starts to store those words in its brain and also starts to speak that language, that language is most
likely to stay with that kid unless that kid starts to speak 2 languages. And just like that, when you are taught about financial literacy at a younger
age, that information that is given to you is most likely going to be stored in your brain for most of your life. Not being taught about financial
literacy can lead to having a heart attack, weight gain/loss problems, diabetes, cancer, high blood pressure, substance abuse, etc. I know a few
people that are confused and stressed about their future jobs, their current jobs, managing bills, etc, and I always ask them what they would want to
do to fix and and their response is "I wish I was taught about what financial problems could lead to." , and so that is another great reason to why
financial literacy classes should be a subject. The pros in learning about financial literacy at a younger age can lead to living a better quality of life,
lesser health problems (I have listed them above), and minor financial problems.
These are my reasons to why Financial Literacy classes should be taught. Not having much information about Financial Literacy can lead to

Financial Literacy Class Analysis
Many believe that financial literacy classes are helpful and a good tool for you in the future. Finance is a waste of time and the classes do not help
you in any case. The material taught in these classes are not used in everyday life and the methods used in the class are not helpful in any way. To
begin with, everything you learn in a financial class has nothing to do with anything you will have to deal with in the real world. As told in source #3
by Richard H. Thaler only one third of Americans over age 50 could answer 3 basic finance Q's correctly. The teachers are not teaching you the
important things you need to know. Instead they show you uuuessary "lessons" that won't matter. According to source #2, "high school students who
took a

Financial Literacy Classes
It's no secret that a majority Americans struggle with all things finances. The jargon alone is enough to leave many confused, and with the complexities
of modern economy becoming an ever increasing tangled mess, Americans are looking to do something about it. One popular suggestion is financial
literacy classes for high school students. While the idea sounds promising, the reality of these classes is rather farfetched. People praise the thought of
implementing financial literacy into our school system in order to help kids in their future. This praise is filled with good intentions, but the sad fact
is that this is not in a student's best interest. Financial literacy courses are a faГ§ade designed to sweep problems under the rug in order to project
false images of the American dream. To reiterate: it doesn't work. In a study from Harvard Business... Show more content on Helpwriting.net ...
[is] not particularly helpful. Those who receive it do not perform noticeably better when it comes to saving more, for example, or avoiding ruinous
debt..." This is just more proof at the ineffectiveness of financial literacy classes. In fact it would be a waste of space in a school. Most teens already
have a basic understanding of finances, so forcing them to take an ineffective class when they could be taking a college/career preparatory class
instead is idiotic. Students should learn discipline and good moral character outside of the school in order to help them in their future endeavours rather
than be spoon fed the lessons they should already know. Earlier in the aforementioned paper, the authours expressed that, " ... even the most time
intensive programs – those with more than 24 hours of education and training, almost the length of a college course – had no discernible effects just
two years later." With all of the mounding evidence it is safe to say the idea of financial literacy courses should be put to

Financial Literacy
For a majority of young adults, college is the beginning of financial independence. It leads to a greater responsibility for students to make sound
financial decisions. Young adults are faced with many new financial challenges that require a high level of responsibility (Lyons et. al, 2006). Once at
college, many students are confronted with financial challenges such as: paying rent, writing checks, and taking out loans for the first time.
If used responsibly, credit cards can work in favor of students. They can establish a credit history and practice good financial habits. A study completed
by Cliff Robb in 2011 examined the relationship between financial knowledge and credit card behavior of college students. Approximately 80% of
college ... Show more content on Helpwriting.net ...
Lyons et al. (2006) determined that the majority of college students (76.7%) indicated that they had gone to their parents for financial information. A
study completed in 2010 by Bryce Jorgensen and Jyoti Slava tested the perceived parental influence on the education of the financial literacy of college
students. This study found that parental income had a significant influence on the perceived parental influence of financial knowledge on students
(Jorgensen and Savla, 2010). Parents earning higher incomes had their children perceive a greater amount of influence that they had on their financial
literacy, and the more positive that their children's financial attitudes and behaviors tended to be (Jorgensen and Savla, 2010).The study also indicated
that students who reported learning about finance explicitly from their parents had better financial attitudes and behaviors, yet lower financial
knowledge than students who reported learning only implicitly about finances from their parents (Jorgensen and Savla, 2010). These findings were
attributed to the fact that parents with higher incomes have a greater number of opportunities to interact with their children in a diverse financial
transactions than parents with lower incomes, such as buying a car or renting a college apartment. (Jorgensen and Savla, 2010). A separate study
showed that high school and college students who observed their parents in financial experiences, such as observing the saving habits of their parents,
had a greater amount of financial investment knowledge and savings (Peng et al.

It is no secret that the financial system in The United States of America is incredibly complex and difficult to fully understand. As more and more
people go into debt each year, it becomes clear that every American needs some help when it comes to financial literacy. However, the
implementation of a financial literacy course is not a good solution. A course in financial literacy would end up being a waste of time and money
because the class would cost the school board a large sum of money that it already does not have, and the students would not actually acquire much
benefit from the class.
Schools are getting less funding from the government every year and most school budget are pushed to their max. When it comes to even considering
the ... Show more content on Helpwriting.net ...
In the article "Financial education leaving Americans behind" the author, Greg burns, references a study at conducted at Harvard business school
where they found that, "...[financial literacy] programs in widespread us during the past two decades were no use at all."(Document B, p.g.2).
Financial literacy is not something that you can teach for a year and expect all student to fully grasp. High school is simply too early to teach it.
Very few high school students are thinking about future economic responsibilities and any advice that is given to them through a course will not
be retained. The reality of the situation is that learning decays quickly. The best course of action then it comes to teaching people how to manage
their finances is give them the education just before they have to actually make the decision (Professor Lynch, Document C, p.g. 2). Think back to
some class you took years ago. How well do you really remember its subject matter? Could you make an informed decision now based on
information you were told years ago, and haven't used since? Odds are you probably could not. Is it really very plausible that high school students
will remember a financial literacy class they took in high school when it is time to start6 planning for retirement? I know I would not remember after
all of those years. A financial literacy class

Financial Literacy Analysis
As a college student, I understand that financial literacy should be very important because it holds one of the keys to success. Reminiscing to the
first time that I tried to apply for college, I realize that I had to pay a college application fee. I thought to myself where am I going to get the money. So
I started to look for free college application, but then, I realized that the college tuition was going to be a factor. Henceforward, my mind started
thinking about my high school Economics' class, and how important it is for me to learn about financing. Therefore, I started to get in order and
prepare for a college financial budget, organize my current finances and lay out a future money budget plan.
Now that I am a college student, I ... Show more content on Helpwriting.net ...
I open my bank account statements, and I started to see how much money that I had in the bank. Then, I counted my cash money that was laying
around my room. I wanted to know the total of cash money on hand. After I counted my cash on hand money, I decided to go to the bank and make a
deposit into my bank account. In others words, I will have a better understanding of the money that I have to spend with my cash money being in the
bank.
As I laid out my financial plan for college, I can now organize a financial plan for the future. I have decided how much that I need to save each year
to meet my goal and how much money I need to make to save for my future expenses. I know that eventually I will want to buy a car, a house and
foreseen circumstances. So, I must start preparing to save my money now for my future.
To that end, as I prepare for college, I must prepare for the future finances like I was taught in my high school Economics class. My goal for
graduating from college is to become financial independent. One of the reasons that I chose my career goal of becoming a Neuroscience Lab
Technician is to do something that I like and to become financial independent. Moving forward, I want to work and be happy knowing that I am able to
be financially burden

Financial Literacy Course Analysis
Financial literacy courses should absolutely be mandatory in the process of graduating from high school. It's an essential piece to one's' survival in
life. It holds weight as far as its applicability to the real world, therefore abandoning the, "It doesn't matter! I won't ever have to use that in real life!"
types of arguments.
Financial literacy definitely wasn't available to everybody some time ago, and it still isn't to be quite frank. The average American doesn't really
know everything they need to know about financial literacy. In the New York Times, an article, written by Tara Siegel Bernard, it delved right into it,
saying, "Most of us received no formal instruction on financial matters until it was too late"(S1) and to be forthright, I do not want to be in that boat.
"Understanding concepts like the time value of money, risk and reward, and, yes, the importance of savings."(S1) can shape a well rounded American,
and I feel most students would like nothing more to keep striving towards that.
The numbers aren't looking too good. "Just 13 states require students to take a personal finance course or include the subject in an economics course ...
Show more content on Helpwriting.net ...
Journalist Greg Burns, brought up that Loyola Willis, "professor at Loyola Law School in Los Angeles"(S2) brought out some game changing
evidence."She cites examples, such as the high school students who took a semester–long personal–finance course and tested worse than those who
didn't. Or the graduates of retirement–planning classes who thought their literacy had increased, when their financial test scores had not."(S2) which
certainly doesn't uplift spirits for bringing in mandatory financial literacy classes, but you have to think. Everything doesn't work out for everybody.
If you drop 3 people off in the middle of the forest. Give them each rifles and set them off on their ways........ And maybe one of them may use it or
even use it correctly and kill some game to

Source one provides the best information about financial literacy for high school kids because they actually wanna learn how to balance their money
and not just have people push the into the real world when they graduate with a blindfold on. The difference between source one and source two is that
source two thinks that the students should be worried about their other grades. "High school students who took a semester–long personal finance course
and tested worse than those who didn't". Some of the schools where saying that it's a disaster that they put the course in their schools. Even if we
grade on a very generous curve, many Americans flunk when it comes to financial literacy.
The writer thinks that it's best for all the schools should have a financial literacy class in the ... Show more content on Helpwriting.net ...
Nobody wants to be in debt or owe student loans. So it best that whole they are in night school and they are listening to teach them how to provide
for themselves and to know how to spend their money. Even though some schools didn't like it because they said the students were failing the last
in the first semester doesn't mean it's a bad thing. Everything has a bad side to it you just have to know what side to look at and what side it best
for you. Schools talked about building budgets,expenses, investing money and how to use credit wisely,insurance and careers. A few schools played
the game Life with the kids to show them this is how the real world would look. But one of the student said that "life isn't so nice like the game", and
that's true the real world isn't as nice like a board game. President Bush creates the first Advisory Council on Financial Literacy in

Mandatory Financial Literacy Class

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