With all the hysteria about standardized testing results that impacts school grades and funding, a lot of curriculum has fallen by the wayside. This is all too true if that curriculum isn't on the state test - teach to the test!
I know of honors students taking rigorous coursework and college bound who don't know how to balance a checkbook, figure out APRs for car loans, read apartment rental contracts, etc. Let's face it, they are not being taught at home. I've had kids tell me that their parents don't even balance their checkbooks. Perhaps we wouldn't have had so many people signing loans for mortgages who really couldn't afford them if they only had the financial savy to understand the consequences.
We have curriculum in place to JUST SAY NO, to identify the food pyramid, sex education...why not personal financial education, too?
I think that managing you financial situation, as a young person fresh out of high-school is something you should learn mostly from your parents, by example, but also from school. I don't mean necessarily how to invest or how to play the stock-market, but to know the value of a dollar. My opinion is that young adults do know the value of money, and know they have to work hard for them. I have seem many high-school graduates coming to interview for a position in the Global Visas complaints department, and they all seemed very well informed, educated and all knew what they wanted to do with their life. I was impressed and I believe that their parents underestimate most of their potential!
I think that you need to check and see, my understanding is that flood insurance is available. One of the problems that the public may encounter is an agent that has not been to flood insurance education to sell it. That might have alot to do with it.. I think he said the other day that 33% of the claims for flood, were not in the flood plain. But, most people will not buy due to paying another premium….
========================= Credit Card Tips
People get attracted to setting up own business if they do not feel comfortable with the current service. your view of own business along with the present service would not be a good idea. If you set up your own business, you need to completely dedicate your time for business.
People get attracted to setting up own business if they do not feel comfortable with the current service.your view of own business along with the present service would not be a good idea.If you set up your own business, you need to completely dedicate your time for business.
Want to have stable and high income, but cannot imagine where to invest your money? We already have an answer to this question - MMCIS is the most profitable decision! Your money will be invested into innovative projects worldwide and you will receive income by times exceeding bank interest rate! We diversify our assets greatly, which allows us to minimize risks. We will make our Fund your reliable partner for years. Make a deposit now and appreciate all benefits of working with our Fund!
I was over at the quarter life crisis message board, a board for twenty somethings trying to break into adult life. I posted a message stating that I thought I would've been way more successful had I been educated in high school about finances, like bills, building credit, credit cards, checking accounts, job applications, loans, budgeting, etc. instead of learning trigonometry or geometry, or some other stuff that would only come in handy when playing Trivial Pursuit. I said I knew how it felt to step out to the real world blindfolded...it sucked!
A lot of people on that board called me dumb, lazy, stupid, etc. And said it wasn't my school's fault that I wasn't properly informed of the real world. Apparently posting topics debating structures in society are stupid, whereas, talking about drinking every weekend, hooking up randomly, and other things that are avoided by anyone with a brain are intelligent conversation!
Yeah...I suck never mind.
Oh, wait! I bought my car in one payment at 18, bought a house at 21, and make $19 an hour. My interest rate on my house is %5.88 and on my second mortgage %7.23. After that second mortgage is paid off, $8,400 to go. I'll pay $592 a month locked in for the 30 years or however long it takes to pay it off. The state average for my state is $1,470. I also don't have any student loans and my credit cards are paid off every month. So, I think I might be doing exceptionally well for my age. I'm 22, and I don't know everything, but I think I know how to be a responsible adult. Please don't think, I am bragging! I am just stating facts!
My conclusion: Some adults are downright dumb if not delusional as to what it takes to be successful in real life.
of course it is an academic subject! involves math,reading,decision making,statistics. the goal of education is to produce capable citizens who have the skills to succeed in "pursuit of hapiness".
Elearning would be a good way to reach thousands of students cheaply, effectively, and outside the classroom and the school day.
I am a longtime financial literacy advocate. I led workshops for years, for parents to learn how to teach their kids about money. It is a hard, slow way to change the vector of financial illiteracy in this country. Though parents universally want their kids to be financially literate, few parents are teaching this content, because many parents are themselves struggling with the subject, and because many financially-competent parents don't know how to effectively teach financial skills.
Few schools are teaching this content; No Child Left Behind has placed so much emphasis on core subjects (Science, Reading, Math), that it's increasingly difficult for schools to fiscally justify offering such nonacademic curricula as Financial Literacy. That's why Personal Finance MUST be required in schools.
Young adults 17 to 25 are especially financially vulnerable: with access to credit and loans, they begin making their own financial decisions – and mistakes – at exactly the time when they are beginning to pull away from their parents.
Financial literacy is a life skill. It is as important as tying shoe laces, and should be brought out of the back burner. It is naive to say that these skills can be picked up elsewhere as habits are formed early and we should therefore START YOUNG otherwise we may not even get round to doing it. The argument that making a personal-finance course mandatory may not necessarily improve financial behavior, is but a lame excuse, if not one for those in denial, as awareness can definitely go a long way to preventing silly or bad decisions, that may take years to overcome undesirable consequences. So let's prepare our youths to face reality rationally.
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Financial literacy very important
With all the hysteria about standardized testing results that impacts school grades and funding, a lot of curriculum has fallen by the wayside. This is all too true if that curriculum isn't on the state test - teach to the test!
I know of honors students taking rigorous coursework and college bound who don't know how to balance a checkbook, figure out APRs for car loans, read apartment rental contracts, etc. Let's face it, they are not being taught at home. I've had kids tell me that their parents don't even balance their checkbooks. Perhaps we wouldn't have had so many people signing loans for mortgages who really couldn't afford them if they only had the financial savy to understand the consequences.
We have curriculum in place to JUST SAY NO, to identify the food pyramid, sex education...why not personal financial education, too?
I think that managing you
I think that managing you financial situation, as a young person fresh out of high-school is something you should learn mostly from your parents, by example, but also from school. I don't mean necessarily how to invest or how to play the stock-market, but to know the value of a dollar. My opinion is that young adults do know the value of money, and know they have to work hard for them. I have seem many high-school graduates coming to interview for a position in the Global Visas complaints department, and they all seemed very well informed, educated and all knew what they wanted to do with their life. I was impressed and I believe that their parents underestimate most of their potential!
credit
I think that you need to check and see, my understanding is that flood insurance is available. One of the problems that the public may encounter is an agent that has not been to flood insurance education to sell it. That might have alot to do with it.. I think he said the other day that 33% of the claims for flood, were not in the flood plain. But, most people will not buy due to paying another premium….
=========================
Credit Card Tips
People get attracted to
People get attracted to setting up own business if they do not feel comfortable with the current service. your view of own business along with the present service would not be a good idea. If you set up your own business, you need to completely dedicate your time for business.
online share trading
People get attracted to setting up own business if they do not feel comfortable with the current service.your view of own business along with the present service would not be a good idea.If you set up your own business, you need to completely dedicate your time for business.
online share trading
MMCIS investments is the best investment fund
Want to have stable and high income, but cannot imagine where to invest your money? We already have an answer to this question - MMCIS is the most profitable decision! Your money will be invested into innovative projects worldwide and you will receive income by times exceeding bank interest rate! We diversify our assets greatly, which allows us to minimize risks. We will make our Fund your reliable partner for years. Make a deposit now and appreciate all benefits of working with our Fund!
Yeah, I'm the dummy...
Yeah, I'm the dummy...
I was over at the quarter life crisis message board, a board for twenty somethings trying to break into adult life. I posted a message stating that I thought I would've been way more successful had I been educated in high school about finances, like bills, building credit, credit cards, checking accounts, job applications, loans, budgeting, etc. instead of learning trigonometry or geometry, or some other stuff that would only come in handy when playing Trivial Pursuit. I said I knew how it felt to step out to the real world blindfolded...it sucked!
A lot of people on that board called me dumb, lazy, stupid, etc. And said it wasn't my school's fault that I wasn't properly informed of the real world. Apparently posting topics debating structures in society are stupid, whereas, talking about drinking every weekend, hooking up randomly, and other things that are avoided by anyone with a brain are intelligent conversation!
Yeah...I suck never mind.
Oh, wait! I bought my car in one payment at 18, bought a house at 21, and make $19 an hour. My interest rate on my house is %5.88 and on my second mortgage %7.23. After that second mortgage is paid off, $8,400 to go. I'll pay $592 a month locked in for the 30 years or however long it takes to pay it off. The state average for my state is $1,470. I also don't have any student loans and my credit cards are paid off every month. So, I think I might be doing exceptionally well for my age. I'm 22, and I don't know everything, but I think I know how to be a responsible adult. Please don't think, I am bragging! I am just stating facts!
My conclusion: Some adults are downright dumb if not delusional as to what it takes to be successful in real life.
financial literacy
of course it is an academic subject! involves math,reading,decision making,statistics. the goal of education is to produce capable citizens who have the skills to succeed in "pursuit of hapiness".
MUST be taught in schools!
Elearning would be a good way to reach thousands of students cheaply, effectively, and outside the classroom and the school day.
I am a longtime financial literacy advocate. I led workshops for years, for parents to learn how to teach their kids about money. It is a hard, slow way to change the vector of financial illiteracy in this country. Though parents universally want their kids to be financially literate, few parents are teaching this content, because many parents are themselves struggling with the subject, and because many financially-competent parents don't know how to effectively teach financial skills.
Few schools are teaching this content; No Child Left Behind has placed so much emphasis on core subjects (Science, Reading, Math), that it's increasingly difficult for schools to fiscally justify offering such nonacademic curricula as Financial Literacy. That's why Personal Finance MUST be required in schools.
Young adults 17 to 25 are especially financially vulnerable: with access to credit and loans, they begin making their own financial decisions – and mistakes – at exactly the time when they are beginning to pull away from their parents.
YES!
Financial literacy is a life skill. It is as important as tying shoe laces, and should be brought out of the back burner. It is naive to say that these skills can be picked up elsewhere as habits are formed early and we should therefore START YOUNG otherwise we may not even get round to doing it. The argument that making a personal-finance course mandatory may not necessarily improve financial behavior, is but a lame excuse, if not one for those in denial, as awareness can definitely go a long way to preventing silly or bad decisions, that may take years to overcome undesirable consequences. So let's prepare our youths to face reality rationally.