Financial Education in TRIO Programs. Institutional Policy Brief

ERIC Educational Resources Information Center

Yang, Hannah; Kezar, Adrianna

2009-01-01

To address some of the financial challenges facing low-income students, federal policymakers enacted a provision in the 2008 Higher Education Opportunity Act (HEOA) that makes financial literacy a required service of all TRIO programs (or, in the case of McNair, simply makes permissible). Effective August 2008, these programs started offering…

Elementary Preservice Teachers' and Teacher Educators' Perceptions of Financial Literacy Education

ERIC Educational Resources Information Center

Henning, Mary Beth; Lucey, Thomas A.

2017-01-01

The authors conducted an online survey of elementary teacher education programs within a large midwestern state to assess preservice teachers' and teacher educators' beliefs about and preparedness to teach financial literacy. Very few preservice teachers had meaningful experiences with personal finance in high school, college, or personal decision…

Plan, Save, Succeed! Financial Literacy Poster/Teaching Guide. Expect the Unexpected with Math[R

ERIC Educational Resources Information Center

Actuarial Foundation, 2013

2013-01-01

"Plan, Save, Succeed!" is a new program aligned with Jumpstart Coalition National Standards in K-12 Personal Finance Education, National Council of Teachers of Mathematics (NCTM) Standards, and Common Core Standards for Mathematical Practice. "Plan, Save, Succeed!" is designed to help students understand key financial literacy topics including…

Teaching Money Literacy in a Positive Youth Development Program: The Project P.A.T.H.S. in Hong Kong

PubMed Central

Lee, Tak Yan; Law, Ben M. F.

2011-01-01

In view of the high impact of materialistic orientation among children and adolescents, financial educational programs are provided as preventive measures. Without a clear framework, it is impossible to evaluate these programs. The goals of this paper are threefold. Firstly, the phenomena related to adolescent materialistic orientation and its associated problems in Hong Kong are examined. Secondly, the concept of financial education as a preventive measure is reviewed. Both board and narrow definitions of money literacy are examined. A framework on money literacy for children and adolescents as a founding stone for financial education is proposed. The framework finds its support from a typology proposed by the authors and results from an integration of research findings on dimensions of the concepts of money and success. Finally, curriculum units for Grades 7 to 9 students in a positive youth development program (the Project P.A.T.H.S.) are developed using the framework. PMID:22194664

Understanding Sources of Financial Support for Adult Learners

ERIC Educational Resources Information Center

Dougherty, B. Christopher; Woodland, Richard

2009-01-01

Understanding the dynamics of financial support for continuing higher education students requires an understanding of the numerous programs that support adult learners. These include basic and family literacy programs, workforce education programs, programs administered under the auspices of the U.S. Department of Veterans Affairs, Title IV…

Functional Literacy in the Context of Adult Education

ERIC Educational Resources Information Center

Convergence, 1973

1973-01-01

An international symposium dealing with functional literacy in the context of adult education held in West Berlin in August, 1973, concerned the government's role in establishing and financially supporting programs, the coordination of programs, institutional roles, and the identification of adult learning needs. Twenty-nine conclusions were…

Knowledge as a Predictor of Insurance Coverage Under the Affordable Care Act.

PubMed

Hoerl, Maximiliane; Wuppermann, Amelie; Barcellos, Silvia H; Bauhoff, Sebastian; Winter, Joachim K; Carman, Katherine G

2017-04-01

The Affordable Care Act established policy mechanisms to increase health insurance coverage in the United States. While insurance coverage has increased, 10%-15% of the US population remains uninsured. To assess whether health insurance literacy and financial literacy predict being uninsured, covered by Medicaid, or covered by Marketplace insurance, holding demographic characteristics, attitudes toward risk, and political affiliation constant. Analysis of longitudinal data from fall 2013 and spring 2015 including financial and health insurance literacy and key covariates collected in 2013. A total of 2742 US residents ages 18-64, 525 uninsured in fall 2013, participating in the RAND American Life Panel, a nationally representative internet panel. Self-reported health insurance status and type as of spring 2015. Among the uninsured in 2013, higher financial and health insurance literacy were associated with greater probability of being insured in 2015. For a typical uninsured individual in 2013, the probability of being insured in 2015 was 8.3 percentage points higher with high compared with low financial literacy, and 9.2 percentage points higher with high compared with low health insurance literacy. For the general population, those with high financial and health insurance literacy were more likely to obtain insurance through Medicaid or the Marketplaces compared with being uninsured. The magnitude of coefficients for these predictors was similar to that of commonly used demographic covariates. A lack of understanding about health insurance concepts and financial illiteracy predict who remains uninsured. Outreach and consumer-education programs should consider these characteristics.

Measuring the Impacts of Financial Literacy: Challenges for Community-Based Financial Education

ERIC Educational Resources Information Center

Collins, J. Michael; Holden, Karen C.

2014-01-01

This chapter addresses financial education across the lifespan, which has the potential to enhance adult financial capability, yet methodological barriers and a lack of robust measures have hampered the ability to identify and measure the effects of educational programs on financial decisions and behavior.

Making "Good" or "Critical" Citizens: From Social Justice to Financial Literacy in the Québec Education Program

ERIC Educational Resources Information Center

Lefrançois, David; Ethier, Marc-André; Cambron-Prémont, Amélie

2017-01-01

Purpose: The Québec Ministry of Education has introduced--as of September 2017--a new mandatory course focusing on financial literacy and addressing such issues as credit scores, loans, taxes and budgets. This announcement has created intense educational debate on the "raison d'être" and content of the course. This article will summarise…

Knowledge as a predictor of insurance coverage under the Affordable Care Act

PubMed Central

Hoerl, Maximiliane; Wuppermann, Amelie; Barcellos, Silvia H.; Bauhoff, Sebastian; Winter, Joachim K.

2016-01-01

Background The Affordable Care Act established policy mechanisms to increase health insurance coverage in the United States. While insurance coverage has increased, 10 to 15% of the U.S. population remains uninsured. Objectives To assess whether health insurance literacy and financial literacy predict being uninsured, covered by Medicaid, or covered by Marketplace insurance, holding demographic characteristics, attitudes toward risk, and political affiliation constant. Research Design Analysis of longitudinal data from fall 2013 and spring 2015 including financial and health insurance literacy and key covariates collected in 2013. Subjects 2,742 U.S. residents ages 18-64, 525 uninsured in fall 2013, participating in the RAND American Life Panel, a nationally representative internet panel. Measures Self-reported health insurance status and type as of spring 2015. Results Among the uninsured in 2013, higher financial and health insurance literacy were associated with greater probability of being insured in 2015. For a typical uninsured individual in 2013, the probability of being insured in 2015 was 8.3 percentage points higher with high compared to low financial literacy, and 9.2 percentage points higher with high compared to low health insurance literacy. For the general population, those with high financial and health insurance literacy were more likely to obtain insurance via Medicaid or the Marketplaces compared to being uninsured. The magnitude of coefficients for these predictors was similar to that of commonly used demographic covariates. Conclusions A lack of understanding about health insurance concepts and financial illiteracy predict who remains uninsured. Outreach and consumer-education programs should consider these characteristics. PMID:27820594

Financial Literacy, Financial Education, and Economic Outcomes

ERIC Educational Resources Information Center

Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

2013-01-01

In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

Determining factors that contribute to financial literacy for small and medium enterprises

NASA Astrophysics Data System (ADS)

Hakim, M. S.; Oktavianti, V.; Gunarta, I. K.

2018-04-01

Financial literacy on the SME owner/manager will subsequently improve the profitability of SME. Although, numerous research had existed in financial literacy subject, there are still limited research that examined the factor related to financial literacy. In this paper, we are examining demographic and SME factor that contribute to financial literacy using linear regression. Other objective of this paper is to confirm the benefit of financial literacy on access to credit. The finding shown that for demographic factor, level of education is contributed to financial literacy. The second finding is that level of financial literacy is related with greater degree of access to credit

Enhancing Links between Research and Practice to Improve Consumer Financial Education and Well-Being

ERIC Educational Resources Information Center

Hensley, Billy J.

2015-01-01

A recent meta-analysis of the effect of financial literacy and financial education on downstream financial behaviors has shown a weak collective impact of the work of financial education. While the findings are not stellar, they do not support a dismantling of financial education programs and funding. This paper examines the findings of the…

Adolescents' financial literacy: the role of financial socialization agents, financial experiences, and money attitudes in shaping financial literacy among South Korean youth.

PubMed

Sohn, Sang-Hee; Joo, So-Hyun; Grable, John E; Lee, Seonglim; Kim, Minjeung

2012-08-01

The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were performed to determine the factors related to financial literacy. It was found that those who chose media as their primary financial socialization agent, and those who had a bank account, exhibited higher levels of financial literacy. Among the sample, those who saw money as good or as a reward for efforts tended to report higher levels of financial literacy, while those perceiving money in terms of avoidance or achievement had lower levels of financial literacy. Students with mid-range monthly allowances showed higher levels of financial literacy compared to the highest allowance group. Implications for financial educators, policy makers, and researchers are provided. Copyright © 2012 The Foundation for Professionals in Services for Adolescents. Published by Elsevier Ltd. All rights reserved.

34 CFR 644.1 - What is the Educational Opportunity Centers program?

Code of Federal Regulations, 2011 CFR

2011-07-01

... provides grants for projects designed— (a) To provide information regarding financial and academic... officers; and (c) To improve the financial and economic literacy of participants on topics such as— (1...

34 CFR 644.1 - What is the Educational Opportunity Centers program?

Code of Federal Regulations, 2014 CFR

2014-07-01

... provides grants for projects designed— (a) To provide information regarding financial and academic... officers; and (c) To improve the financial and economic literacy of participants on topics such as— (1...

34 CFR 644.1 - What is the Educational Opportunity Centers program?

Code of Federal Regulations, 2012 CFR

2012-07-01

... provides grants for projects designed— (a) To provide information regarding financial and academic... officers; and (c) To improve the financial and economic literacy of participants on topics such as— (1...

34 CFR 644.1 - What is the Educational Opportunity Centers program?

Code of Federal Regulations, 2013 CFR

2013-07-01

... provides grants for projects designed— (a) To provide information regarding financial and academic... officers; and (c) To improve the financial and economic literacy of participants on topics such as— (1...

Financial Literacy, Financial Education and Economic Outcomes. NBER Working Paper No. 18412

ERIC Educational Resources Information Center

Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

2012-01-01

In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

76 FR 19263 - National Financial Literacy Month, 2011

Federal Register 2010, 2011, 2012, 2013, 2014

2011-04-06

... Financial Literacy Month, 2011 By the President of the United States of America A Proclamation Americans... Financial Literacy Month, we recommit to improving financial literacy and ensuring all Americans have access... hereby proclaim April 2011 as National Financial Literacy Month. I call upon all Americans to observe...

Financial Literacy as the Foundation for Individual Financial Behavior

ERIC Educational Resources Information Center

Dwiastanti, Anis

2015-01-01

Research that is dealing with financial literacy turns to be such an important thing to be conducted. It is due to the fact that financial literacy level of Indonesian society is still very low. A good financial literacy is necessary for every individual to manage his/her finances to achieve prosperity. To have a good level of financial literacy,…

Gender, academic achievement, and ownership of ATM as predictors of accounting students’ financial literacy

NASA Astrophysics Data System (ADS)

Susanti; Hardini, H. T.

2018-01-01

This study examined the relationships between GPA, gender, and ownership of ATM on accounting students’ financial literacy (n = 184). Financial literacy was assessed using a paper-and-pencil objective (multiple choice) test measuring general knowledge of finance, income, money management savings, loans, and investment. Gender and GPA data were obtained from the university records. Regression analysis found that GPA and ownership of ATM were associated with financial literacy, but gender was not. Female students with an ownership of ATM and those with a high GPA were found to be superior to males. The implication of this research is that students are expected to increase their GPA and utilize financial facilities in the form of ownership ATM and other financial instruments so as to increase financial literacy. In addition, the need for financial literacy training from related parties to improve financial literacy for students who have low financial literacy.

Educator Teams up to Teach Finance to Young Children

ERIC Educational Resources Information Center

O'Neil-Haight, Megan

2010-01-01

Based on current research and conventional wisdom, financial education should begin at an early age. With the exception of a few generally underutilized in-school banking programs, Maryland's Lower Eastern Shore, like so many other areas across the nation, has few or no school-based financial literacy programs. A partnership with 23 public,…

Dollars Works 2: The Evolution of a Financial Literacy Program

ERIC Educational Resources Information Center

Petersen, Cindy M.; Heins, Rosemary K.; Katras, Mary Jo

2013-01-01

Dollar Works 2 is a comprehensive personal financial education program to help individuals and families strengthen their skills, better manage their personal finances, and make sound decisions about money. This article chronicles the evolution of a curriculum to enhance and modify materials to improve learning and meet the needs of multiple…

Providing and Funding Financial Literacy Programs for Low Income Adults and Youth. Strategy Brief

ERIC Educational Resources Information Center

Friedman, Pamela

2005-01-01

Making effective financial decisions and knowing how to manage money are skills critical to enjoying a secure financial future. Yet many individuals and families lack the knowledge necessary to make sound financial choices, as evidenced by falling savings rates, mounting consumer debt, and a growing dependence on alternative banking institutions.…

How Financial Literacy Affects Household Wealth Accumulation.

PubMed

Behrman, Jere R; Mitchell, Olivia S; Soo, Cindy K; Bravo, David

2012-05-01

This study isolates the causal effects of financial literacy and schooling on wealth accumulation using a new household dataset and an instrumental variables (IV) approach. Financial literacy and schooling attainment are both strongly positively associated with wealth outcomes in linear regression models, whereas the IV estimates reveal even more potent effects of financial literacy. They also indicate that the schooling effect only becomes positive when interacted with financial literacy. Estimated impacts are substantial enough to imply that investments in financial literacy could have large wealth payoffs.

How Financial Literacy Affects Household Wealth Accumulation

PubMed Central

Behrman, Jere R.; Mitchell, Olivia S.; Soo, Cindy K.; Bravo, David

2012-01-01

This study isolates the causal effects of financial literacy and schooling on wealth accumulation using a new household dataset and an instrumental variables (IV) approach. Financial literacy and schooling attainment are both strongly positively associated with wealth outcomes in linear regression models, whereas the IV estimates reveal even more potent effects of financial literacy. They also indicate that the schooling effect only becomes positive when interacted with financial literacy. Estimated impacts are substantial enough to imply that investments in financial literacy could have large wealth payoffs. PMID:23355747

Adolescents' Financial Literacy: The Role of Financial Socialization Agents, Financial Experiences, and Money Attitudes in Shaping Financial Literacy among South Korean Youth

ERIC Educational Resources Information Center

Sohn, Sang-Hee; Joo, So-Hyun; Grable, John E.; Lee, Seonglim; Kim, Minjeung

2012-01-01

The purpose of this study was to test the relationships between financial socialization agents, financial experiences, money attitudes, demographic characteristics, and the financial literacy of Korean adolescents. Using the 2006 Korean National Financial Literacy Test Survey for Adolescents (N = 1185), a series of regression analyses were…

Poorer Financial and Health Literacy Among Community-Dwelling Older Adults With Mild Cognitive Impairment

PubMed Central

Han, S. Duke; Boyle, Patricia A.; James, Bryan D.; Yu, Lei; Bennett, David A.

2015-01-01

Objective Literacy is an important determinant of financial and health outcomes in old age, and cognitive decline has been linked with lower literacy. We tested the hypothesis that mild cognitive impairment (MCI) is associated with poorer financial and health literacy. Method Participants (n = 730) from the Rush Memory and Aging Project were given a clinical evaluation and an assessment of total, financial, and health literacy. Regression was used to examine whether MCI was associated with lower literacy. In secondary analyses, we investigated the association of particular cognitive systems with literacy. Results MCI was associated with lower total, financial, and health literacy. An interaction was observed such that higher education reduced the effect of MCI on total and financial literacy. Multiple cognitive systems were associated with literacy in participants with MCI, and semantic memory accounted for the most variance. Discussion Persons with MCI exhibit poorer financial and health literacy, and education mitigates this effect. PMID:25903976

Poorer Financial and Health Literacy Among Community-Dwelling Older Adults With Mild Cognitive Impairment.

PubMed

Han, S Duke; Boyle, Patricia A; James, Bryan D; Yu, Lei; Bennett, David A

2015-09-01

Literacy is an important determinant of financial and health outcomes in old age, and cognitive decline has been linked with lower literacy. We tested the hypothesis that mild cognitive impairment (MCI) is associated with poorer financial and health literacy. Participants (n = 730) from the Rush Memory and Aging Project were given a clinical evaluation and an assessment of total, financial, and health literacy. Regression was used to examine whether MCI was associated with lower literacy. In secondary analyses, we investigated the association of particular cognitive systems with literacy. MCI was associated with lower total, financial, and health literacy. An interaction was observed such that higher education reduced the effect of MCI on total and financial literacy. Multiple cognitive systems were associated with literacy in participants with MCI, and semantic memory accounted for the most variance. Persons with MCI exhibit poorer financial and health literacy, and education mitigates this effect. © The Author(s) 2015.

The growing need for resources to help older adults manage their financial and healthcare choices.

PubMed

MacLeod, Stephanie; Musich, Shirley; Hawkins, Kevin; Armstrong, Douglas G

2017-04-11

Both financial literacy (managing personal finances) and health literacy (managing personal health) become increasingly important for older adults, potentially impacting their quality of life. Resources in these constructs of literacy tend to be distinct, although the skills and decision-making involved overlap as financial issues impact healthcare choices. Thus the primary purpose of this commentary is to propose a new area of research focus that defines the intersection of financial and health literacy (i.e., financial health literacy). We conducted a limited literature review related to financial, health, and health insurance literacy to demonstrate gaps in the literature and support our position. Online search engines were utilized to identify research in our primary areas of interest. We define the intersection of financial and health literacy as an area of need labeled financial health literacy, with a focus on four domains. These include: 1) the ability to manage healthcare expenses; 2) pay medical bills; 3) determine health needs and understand treatment options; and 4) make sound healthcare decisions with financial resources available. Despite some overlap with health insurance literacy, financial health literacy would define an area of need encompassing health management choices and health plan selections integrated with other financial management issues including living arrangements, financial planning, and retirement planning. Potential initiatives should be considered to help at-risk older adults find resources to improve their financial health literacy, which in turn will enhance their abilities to manage medical choices in the environment of an increasingly complex healthcare system.

[A review of definitions and measurement scales for financial literacy].

PubMed

Kamiya, Tetsuji

2017-02-01

This paper examines the definitions and measurement scales for financial literacy presented in previous studies in order to develop a new financial literacy scale. The early definition of financial literacy basically meant “financial knowledge,” but the latest definition has been extended to include or refer to consumers’ financial behaviours, consumers’ interactions with their social and economic environments, and the effect of cognitive biases on consumers’ financial behaviours. On the other hand, conventional measurement scales for financial literacy are generally composed of declarative knowledge questions and numerical ability tests concerning personal finance. This paper addresses the fact that previous financial literacy scales have been based on the traditional concept of “Homo economicus”. We suggest that it is necessary to develop a new financial literacy scale that is comprised of critical thinking disposition such as “awareness for logical thinking” or “evidence-based judgment.”

Assessing College Student Subjective and Objective Knowledge in an Online Financial Education Program

ERIC Educational Resources Information Center

Bowles, Charity

2017-01-01

Purpose: This purpose of this correlational study using Joo's (2008) financial wellness framework was to determine the impact of an online financial literacy workshop on student subjective knowledge, dependent on indicators of stress, behavior, and objective knowledge, when controlling for demographic differences at a large public university.…

Closing the Gap between Knowledge and Behavior: Turning Education into Action

ERIC Educational Resources Information Center

Journal of Financial Counseling and Planning, 2006

2006-01-01

In August 2005, the National Endowment for Financial Education® (NEFE®) hosted a groundbreaking event, bringing educators from a variety of disciplines together to explore how to make financial literacy programs more effective. This was the first symposium ever to combine financial educators with leaders from other fields--neuroscience, change…

Promoting Financial Success in the United States: National Strategy for Financial Literacy, 2011

ERIC Educational Resources Information Center

US Financial Literacy and Education Commission, 2011

2011-01-01

This paper describes a framework developed by the Financial Literacy and Education Commission (FLEC) to provide the foundation for an overarching financial literacy strategy. This framework establishes concrete goals that the non-profit, government, and private sectors can and should work together to increase financial literacy and improve…

Personal Financial Literacy among High School Students in New Zealand, Japan and the USA

ERIC Educational Resources Information Center

Cameron, Michael P.; Calderwood, Richard; Cox, Ashleigh; Lim, Steven; Yamaoka, Michio

2013-01-01

Personal financial literacy is becoming increasingly important in the modern world, especially for young people. In this article, the authors compare the financial literacy of high school students in Hamilton, New Zealand, with samples from Japan and the USA. The authors compare not only overall financial literacy, but also literacy across five…

Homelessness: Recent Statistics, Targeted Federal Programs, and Recent Legislation

DTIC Science & Technology

2005-05-31

submit semiannual financial and program reports, as well as a final report 90 days after the end of the project period. Transitional Living Program. (42...costs. To prevent homelessness, financial assistance may be given to families who have received eviction or termination of utility service notices if...assistance. Centers must also be equipped to provide job training, counseling and placement services (including job readiness and literacy and skills

FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES

PubMed Central

Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

2013-01-01

In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research. PMID:23991248

FINANCIAL LITERACY, FINANCIAL EDUCATION AND ECONOMIC OUTCOMES.

PubMed

Hastings, Justine S; Madrian, Brigitte C; Skimmyhorn, William L

2013-05-01

In this article we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature, and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the extent to which a competitive market provides incentives for firms to educate consumers or offer products that facilitate informed choice. We review the literature on alternative policies to improve financial outcomes, and compare the evidence to evidence on the efficacy and cost of financial education. Finally, we discuss directions for future research.

How Teacher Educators Can Address Our Nation's Financial Crisis

ERIC Educational Resources Information Center

Dowdell, John; McElfresh, Dwight; Sikula, John

2009-01-01

This article from Ashland University reports on what one university, well known for its Teacher Education programs, is doing in an economically depressed state to address our country's financial crisis. Ohio has mandated that financial literacy be taught in high schools by 2010. Reported herein is what is being done to prepare teachers for this…

75 FR 54225 - Comment Request for the Financial Literacy and Education Commission on the Draft National...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-09-03

... DEPARTMENT OF THE TREASURY Comment Request for the Financial Literacy and Education Commission on... Literacy and Education Commission (Commission) through passage of the Financial Literacy and Education... Treasury's Office of Financial Education to lend its expertise and provide primary support to the...

Employers' Perspectives of Employees' Personal Financial Literacy

ERIC Educational Resources Information Center

Davis, Rita; Carnes, Lana

2005-01-01

The objective of this study was to determine employers' perspectives of employees' personal financial literacy. Executives rated credit card use and budgeting as the most important personal financial literacy skills that employees should have. They stated that strong personal financial literacy skills allow an employee to focus on work activity…

3 CFR 8646 - Proclamation 8646 of March 31, 2011. National Financial Literacy Month, 2011

Code of Federal Regulations, 2012 CFR

2012-01-01

... more information on improving financial literacy, concerned individuals may visit www.MyMoney.gov or... Financial Literacy Month, 2011 8646 Proclamation 8646 Presidential Documents Proclamations Proclamation 8646 of March 31, 2011 Proc. 8646 National Financial Literacy Month, 2011By the President of the United...

Financial Literacy and Long- and Short-Term Financial Behavior in Different Age Groups

ERIC Educational Resources Information Center

Henager, Robin; Cude, Brenda J.

2016-01-01

The purpose of this study was to examine the relationship between financial literacy and financial behaviors among various age groups. Financial literacy was measured in three ways: objective financial knowledge, subjective financial knowledge or confidence, and subjective financial management ability. The age groups were 18-24, 25-34, 35-44,…

Teaching Financial Literacy with Max and Ruby

ERIC Educational Resources Information Center

Brown, Natalya; Ferguson, Kristen

2017-01-01

Teaching financial literacy is important at all stages of life, but is often neglected with elementary students. In this article, the authors describe a strategy for teaching financial literacy using the books about Max and Ruby by Rosemary Wells. These books can help introduce the five key concepts of financial literacy: scarcity, exchange,…

Financial Literacy, Schooling, and Wealth Accumulation. NBER Working Paper No. 16452

ERIC Educational Resources Information Center

Behrman, Jere R.; Mitchell, Olivia S.; Soo, Cindy; Bravo, David

2010-01-01

Financial literacy and schooling attainment have been linked to household wealth accumulation. Yet prior findings may be biased due to noisy measures of financial literacy and schooling, as well as unobserved factors such as ability, intelligence, and motivation that could enhance financial literacy and schooling but also directly affect wealth…

The Effects of Financial Education and Networks on Business Students' Financial Literacy

ERIC Educational Resources Information Center

Chung, Yunhyung; Park, Youngkyun

2014-01-01

This study investigates the joint effects of financial education and educational networks on students' financial literacy. With a sample (N = 105) of senior students in a business college, the study finds that not only financial education, but also strong networks with professors, are positively related to the financial literacy of business…

Financial literacy: Do people know the ABCs of finance?

PubMed

Lusardi, Annamaria

2015-04-01

Increasingly, individuals are in charge of their own financial security and are confronted with ever more complex financial instruments. However, there is evidence that many individuals are not well-equipped to make sound saving decisions. This article looks at financial literacy, which is defined as the ability to process economic information and make informed decisions about financial planning, wealth accumulation, debt, and pensions. Failure to plan for retirement, lack of participation in the stock market, and poor borrowing behavior can all be linked to ignorance of basic financial concepts. Financial literacy impacts financial decision making, with implications that apply to individuals, communities, countries, and society as a whole. Given the lack of financial literacy among the population, it may be important to remedy it by adding financial literacy to the school curriculum. © The Author(s) 2015.

Revisiting Financial (Accounting) Literacy: A Comparison of Audit Committee Members and Business Students

ERIC Educational Resources Information Center

Giacomino, Don E.; Wall, Joseph; Akers, Michael D.

2009-01-01

While financial literacy is important for an audit committee in discharging its duties there is no authoritative guidance or definition and limited empirical research as to what constitutes financial literacy of audit committees and business students. Coates et al. conducted a study that examined the financial literacy of corporate board members…

Finance-Informed Citizens, Citizen-Informed Finance: An Essay Occasioned by the International Handbook of Financial Literacy

ERIC Educational Resources Information Center

Willis, Lauren E.

2017-01-01

Purpose: Throughout the world, the dominant discourse treats "financial literacy" as both necessary and sufficient to improve the well-being of individuals and society. Findings: This essay argues that financial literacy is neither, and that promoting financial literacy is a perverse way to address the inadequate retirement funding,…

Financial literacy among Turkish college students: the role of formal education, learning approaches, and parental teaching.

PubMed

Akben-Selcuk, Elif; Altiok-Yilmaz, Ayse

2014-10-01

This study assessed financial literacy and its correlates among Turkish college students, with special emphasis on the role of formal education, learning approaches, and parental influences. Financial literacy was measured by the College Student Financial Literacy Survey, which assesses knowledge in four areas: general financial management, saving and borrowing, insurance, and investing. 853 Turkish university students were administered the survey (416 men, 437 women; M age = 20.3 yr., SD = 0.6). The mean percentage of correct responses was 45% (SD = 12.8%). Regression results showed that formal finance education in college, a deep approach to learning, and direct financial teaching by parents were significantly associated with higher financial literacy scores.

Teaching Mathematical Connections to Financial Literacy in Grades K-8: Clarifying the Issues

ERIC Educational Resources Information Center

Lucey, Thomas A.; Maxwell, Sheryl A.

2011-01-01

Most teacher education programs do not incorporate financial education preparations into courses required for early childhood, elementary education, and middle level candidates. The authors of this manuscript explore the reasons for this omission, particularly the mathematics education component, and clarify the issues surrounding this decision.…

Curbing the Financial Exploitation of the Poor: Financial Literacy and Social Work Education

ERIC Educational Resources Information Center

Karger, Howard

2015-01-01

The article investigates the importance of financial literacy content for social work students who at some point in their career will encounter financially-excluded clients. Financial literacy content can include understanding how fringe economy businesses operate, including their business model, knowledge of local and national nonpredatory…

Financial Literacy: An Essential Component of Mathematics Literacy and Numeracy

ERIC Educational Resources Information Center

Sole, Marla A.

2014-01-01

With rising personal and public debt, public and private employers increasingly shifting financial responsibility to individuals, and an increase in both the number of financial investment options and predatory lending practices, today's students need to be financially literate. This paper defines financial literacy and justifies its place in the…

Collaborative Problem Solving Skills of 15-Year-Olds: Results from PISA 2015. Data Point. NCES 2017-249

ERIC Educational Resources Information Center

National Center for Education Statistics, 2017

2017-01-01

The Program for International Student Assessment (PISA) is a global education study of 15-year-old students' reading, mathematics, and science literacy and, in 2015, two optional components: financial literacy and collaborative problem solving. Fifty-one education systems administered the collaborative problem solving assessment, including 32 of…

Determining Advanced and Basic Financial Literacy Relations and Overconfidence, and Informative Social Media Association of University Students in Turkey

ERIC Educational Resources Information Center

Karaa, Ibrahim E.; Kugu, Tayfun D.

2016-01-01

The purposes of the paper are, first, to investigate financial literacy in university students and to determine the relationship between basic and advanced financial literacy; second, to present a positive association between social media usage and financial literacy; third, to examine demographic factors consistent with previous studies; and,…

Financial literacy is associated with white matter integrity in old age.

PubMed

Han, S Duke; Boyle, Patricia A; Arfanakis, Konstantinos; Fleischman, Debra; Yu, Lei; James, Bryan D; Bennett, David A

2016-04-15

Financial literacy, the ability to understand, access, and utilize information in ways that contribute to optimal financial outcomes, is important for independence and wellbeing in old age. We previously reported that financial literacy is associated with greater functional connectivity between brain regions in old age. Here, we tested the hypothesis that higher financial literacy would be associated with greater white matter integrity in old age. Participants included 346 persons without dementia (mean age=81.36, mean education=15.39, male/female=79/267, mean MMSE=28.52) from the Rush Memory and Aging Project. Financial literacy was assessed using a series of questions imbedded as part of an ongoing decision making study. White matter integrity was assessed with diffusion anisotropy measured with diffusion tensor magnetic resonance imaging (DTI). We tested the hypothesis that higher financial literacy is associated with higher diffusion anisotropy in white matter, adjusting for the effects of age, education, sex, and white matter hyperintense lesions. We then repeated the analysis also adjusting for cognitive function. Analyses revealed regions with significant positive associations between financial literacy and diffusion anisotropy, and many remained significant after accounting for cognitive function. White matter tracts connecting right hemisphere temporal-parietal brain regions were particularly implicated. Greater financial literacy is associated with higher diffusion anisotropy in white matter of nondemented older adults after adjusting for important covariates. These results suggest that financial literacy is positively associated with white matter integrity in old age. Copyright © 2016 The Authors. Published by Elsevier Inc. All rights reserved.

Financial Literacy is Associated with White Matter Integrity in Old Age

PubMed Central

Han, S. Duke; Boyle, Patricia A.; Arfanakis, Konstantinos; Fleischman, Debra; Yu, Lei; James, Bryan D.; Bennett, David A.

2016-01-01

Financial literacy, the ability to understand, access, and utilize information in ways that contribute to optimal financial outcomes, is important for independence and wellbeing in old age. We previously reported that financial literacy is associated with greater functional connectivity between brain regions in old age. Here, we tested the hypothesis that higher financial literacy would be associated with greater white matter integrity in old age. Participants included 346 persons without dementia (mean age=81.36, mean education=15.39, male/female=79/267, mean MMSE=28.52) from the Rush Memory and Aging Project. Financial literacy was assessed using a series of questions imbedded as part of an ongoing decision making study. White matter integrity was assessed with diffusion anisotropy measured with diffusion tensor magnetic resonance imaging (DTI). We tested the hypothesis that higher financial literacy is associated with higher diffusion anisotropy in white matter, adjusting for the effects of age, education, sex, and white matter hyperintense lesions. We then repeated the analysis also adjusting for cognitive function. Analyses revealed regions with significant positive associations between financial literacy and diffusion anisotropy, and many remained significant after accounting for cognitive function. White matter tracts connecting right hemisphere temporal-parietal brain regions were particularly implicated. Greater financial literacy is associated with higher diffusion anisotropy in white matter of nondemented older adults after adjusting for important covariates. These results suggest that financial literacy is positively associated with white matter integrity in old age. PMID:26899784

12 CFR 7.1021 - National bank participation in financial literacy programs.

Code of Federal Regulations, 2010 CFR

2010-01-01

... educational. For example, a program is educational if it is designed to teach students the principles of personal economics or the benefits of saving for the future, and is not designed for the purpose of profit...

The Impact of Health and Financial Literacy on Decision Making in Community-Based Older Adults

PubMed Central

James, Bryan D.; Boyle, Patricia A.; Bennett, Jarred S.; Bennett, David A.

2012-01-01

Background Health and financial literacy have been linked to the health and well-being of older adults, yet there are few data on how health and financial literacy actually impact decision making regarding healthcare and economic choices in advanced age. Objective To examine the association of health and financial literacy with decision making in older adults. Method Data came from 525 community-dwelling older persons without dementia from the Rush Memory and Aging Project, an ongoing longitudinal study of aging. Health and financial literacy were assessed via a series of questions designed to measure comprehension of health and financial information and concepts. The two scores were averaged to yield a total literacy score. A modified, 12-item version of the Decision-Making Competence Assessment Tool was used to measure financial and healthcare decision making (6 items each), using materials designed to approximate those used in real world settings. All 12 items were summed to yield a total decision-making score. Associations were tested via linear regression models adjusted for age, sex and education. Secondary models adjusted for global cognitive function, income, depression and chronic medical conditions. Results On average, participants correctly answered 67% of the literacy questions (health literacy = 61.6%, SD = 18.8% and financial literacy = 72.5%, SD = 16.0%). After adjustment for cognitive function, the total literacy score was positively associated with the decision-making total score (estimate = 0.64, SE = 0.08, p < 0.001), as well as healthcare (estimate = 0.37, SE = 0.5, p < 0.001) and financial decision making (estimate = 0.28, SE = 0.05, p < 0.001). Further, total literacy, health and financial literacy all were independently associated with decision making in models adjusted for covariates including income, depression, and chronic medical conditions (all p values < 0.001). Finally, there was evidence of effect modification such that the beneficial association between literacy and healthcare decision making was stronger among older persons, poorer persons and persons at the lower ranges of cognitive ability. Conclusion Among community based older persons without dementia, higher levels of health and financial literacy were associated with better decision making, suggesting that improvements in literacy could facilitate better decision making and lead to better health and quality of life in later years. PMID:22739454

The impact of health and financial literacy on decision making in community-based older adults.

PubMed

James, Bryan D; Boyle, Patricia A; Bennett, Jarred S; Bennett, David A

2012-01-01

Health and financial literacy have been linked to the health and well-being of older adults, yet there are few data on how health and financial literacy actually impact decision making regarding healthcare and economic choices in advanced age. To examine the association of health and financial literacy with decision making in older adults. Data came from 525 community-dwelling older persons without dementia from the Rush Memory and Aging Project, an ongoing longitudinal study of aging. Health and financial literacy were assessed via a series of questions designed to measure comprehension of health and financial information and concepts. The two scores were averaged to yield a total literacy score. A modified, 12-item version of the Decision-Making Competence Assessment Tool was used to measure financial and healthcare decision making (6 items each), using materials designed to approximate those used in real world settings. All 12 items were summed to yield a total decision-making score. Associations were tested via linear regression models adjusted for age, sex and education. Secondary models adjusted for global cognitive function, income, depression and chronic medical conditions. On average, participants correctly answered 67% of the literacy questions (health literacy = 61.6%, SD = 18.8% and financial literacy = 72.5%, SD = 16.0%). After adjustment for cognitive function, the total literacy score was positively associated with the decision-making total score (estimate = 0.64, SE = 0.08, p < 0.001), as well as healthcare (estimate = 0.37, SE = 0.5, p < 0.001) and financial decision making (estimate = 0.28, SE = 0.05, p < 0.001). Further, total literacy, health and financial literacy all were independently associated with decision making in models adjusted for covariates including income, depression, and chronic medical conditions (all p values < 0.001). Finally, there was evidence of effect modification such that the beneficial association between literacy and healthcare decision making was stronger among older persons, poorer persons and persons at the lower ranges of cognitive ability. Among community based older persons without dementia, higher levels of health and financial literacy were associated with better decision making, suggesting that improvements in literacy could facilitate better decision making and lead to better health and quality of life in later years. Copyright © 2012 S. Karger AG, Basel.

Smart Choice Health Insurance©: A New, Interdisciplinary Program to Enhance Health Insurance Literacy.

PubMed

Brown, Virginia; Russell, Mia; Ginter, Amanda; Braun, Bonnie; Little, Lynn; Pippidis, Maria; McCoy, Teresa

2016-03-01

Smart Choice Health Insurance© is a consumer education program based on the definition and emerging measurement of health insurance literacy and a review of literature and appropriate theoretical frameworks. An interdisciplinary team of financial and health educators was formed to develop and pilot the program, with the goal of reducing confusion and increasing confidence in the consumer's ability to make a smart health insurance decision. Educators in seven states, certified to teach the program, conducted workshops for 994 consumers. Results show statistically significant evidence of increased health insurance literacy, confidence, and capacity to make a smart choice health insurance choice. Discussion centers on the impact the program had on specific groups, next steps to reach a larger audience, and implications for educators, consumers, and policymakers nationwide. © 2015 Society for Public Health Education.

Psychosocial factors and financial literacy.

PubMed

Murphy, John L

2013-01-01

This study uses data from the Health and Retirement Study (HRS) to analyze the psychological and social variables associated with financial literacy. The HRS is a nationally representative longitudinal survey of individuals older than age 50 and their spouses. An ordinary least squares linear regression analysis explores the relationship between financial literacy and several economic and psychosocial variables. After controlling for earnings, level of education, and other socioeconomic variables in this exploratory study, I find that financial satisfaction and religiosity are correlated with financial literacy.

Financial Literacy of 15-Year-Olds: Results from PISA 2015. Data Point. NCES 2017-086

ERIC Educational Resources Information Center

Gonzales, Patrick; Sen, Anindita

2017-01-01

On May 24, the National Center for Education Statistics released Financial Literacy of 15-year-olds: Results from PISA 2015. The PISA assessment of financial literacy measured students' knowledge and understanding of fundamental elements of the financial world, including financial concepts, products, and risks, and their ability to apply what they…

Associations of APOE ε4 With Health and Financial Literacy Among Community-Based Older Adults Without Dementia.

PubMed

Stewart, Christopher C; Boyle, Patricia A; James, Bryan D; Yu, Lei; Han, S Duke; Bennett, David A

2016-05-12

Older adults often exhibit low health and financial literacy, but the reasons why remain unclear. One possibility is that those older adults at high risk for developing dementia demonstrate low literacy even in the absence of marked cognitive impairment. We therefore examined associations of health and financial literacy with the APOE ε4 allele, the chief genetic risk factor for Alzheimer's disease, among older adults without dementia. Participants were 487 older adults without dementia enrolled in the Rush Memory and Aging Project (mean age = 83, mean years of education = 15, 77% female, 91% non-Hispanic White). Participants underwent APOE genotyping and assessments of cognition, health literacy, and financial literacy. Health and financial literacy scores were also averaged into a total literacy score. ε4 was associated with lower total and health literacy, with a trend toward an association with lower financial literacy, after adjustment for age, sex, and education. Associations of ε4 with lower total and health literacy persisted after further adjustment for global cognitive function and 5 specific cognitive domains. ε4 affects literacy even in the absence of clinical dementia and does so relatively independent of performance on traditional cognitive tests. © The Author 2016. Published by Oxford University Press on behalf of The Gerontological Society of America. All rights reserved. For permissions, please e-mail: journals.permissions@oup.com.

Economic security: an essential component of recovery.

PubMed

Cook, Judith A; Mueser, Kim T

2013-03-01

People with psychiatric disabilities often face complex financial situations that make them unable to exercise choice in how their financial resources are allocated to needs including health care, housing, education, leisure pursuits, and other important life activities. One avenue to address these barriers is by helping people increase their financial literacy or knowledge of how to manage and budget their money effectively, accumulate assets, and reduce or deal with debt. However, our field has not focused sufficient attention on improving the financial literacy of the people we serve. Unfortunately, people with mental illness are significantly less likely to have any savings than those without mental illness. This makes them excellent candidates for state and federal programs that help low-income individuals accumulate savings that are exempt from asset limits for all federal means-tested programs. Growing out of these efforts, a field known as "asset-based welfare" has evolved to understand the role of assets in the promotion of individual and collective welfare. In an uncertain economy, the time is right for the field of psychiatric rehabilitation to expand its focus to include community and economic development activities that promote financial security. PsycINFO Database Record (c) 2013 APA, all rights reserved

Implementation of a Comprehensive Curriculum in Personal Finance for Medical Fellows

PubMed Central

Bar-Or, Yuval D; Fessler, Henry E; Desai, Dipan A

2018-01-01

Introduction: Many residents and fellows complete graduate medical education having received minimal unbiased financial planning guidance. This places them at risk of making ill-informed financial decisions, which may lead to significant harm to them and their families. Therefore, we sought to provide fellows with comprehensive unbiased financial education and empower them to make timely, constructive financial decisions. Methods: A self-selected cohort of cardiovascular disease, pulmonary and critical care, and infectious disease fellows (n = 18) at a single institution attended a live, eight-hour interactive course on personal finance. The course consisted of four two-hour sessions delivered over four weeks, facilitated by an unbiased business school faculty member with expertise in personal finance. Prior to the course, all participants completed a demographic survey. After course completion, participants were offered an exit survey evaluating the course, which also asked respondents for any tangible financial decisions made as a result of the course learning.  Results: Participants included 12 women and six men, with a mean age of 33 and varying amounts of debt and financial assets. Twelve respondents completed the exit survey, and all “Strongly Agreed” that courses on financial literacy are important for trainees. In addition, 11 reported that the course helped them make important financial decisions, providing 21 examples. Conclusions: Fellows derive a significant benefit from objective financial literacy education. Graduate medical education programs should offer comprehensive financial literacy education to all graduating trainees, and that education should be provided by an unbiased expert who has no incentive to sell financial products and services. PMID:29515942

Implementation of a Comprehensive Curriculum in Personal Finance for Medical Fellows.

PubMed

Bar-Or, Yuval D; Fessler, Henry E; Desai, Dipan A; Zakaria, Sammy

2018-01-01

Many residents and fellows complete graduate medical education having received minimal unbiased financial planning guidance. This places them at risk of making ill-informed financial decisions, which may lead to significant harm to them and their families. Therefore, we sought to provide fellows with comprehensive unbiased financial education and empower them to make timely, constructive financial decisions. A self-selected cohort of cardiovascular disease, pulmonary and critical care, and infectious disease fellows (n = 18) at a single institution attended a live, eight-hour interactive course on personal finance. The course consisted of four two-hour sessions delivered over four weeks, facilitated by an unbiased business school faculty member with expertise in personal finance. Prior to the course, all participants completed a demographic survey. After course completion, participants were offered an exit survey evaluating the course, which also asked respondents for any tangible financial decisions made as a result of the course learning.  Results: Participants included 12 women and six men, with a mean age of 33 and varying amounts of debt and financial assets. Twelve respondents completed the exit survey, and all "Strongly Agreed" that courses on financial literacy are important for trainees. In addition, 11 reported that the course helped them make important financial decisions, providing 21 examples. Fellows derive a significant benefit from objective financial literacy education. Graduate medical education programs should offer comprehensive financial literacy education to all graduating trainees, and that education should be provided by an unbiased expert who has no incentive to sell financial products and services.

77 FR 61002 - Announcement of the Award of Single-Source Program Expansion Supplement Grants to Seven Assets...

Federal Register 2010, 2011, 2012, 2013, 2014

2012-10-05

.... Grantees also ensure that participants have access to financial literacy education and coaching such as.../ 2017. FOR FURTHER INFORMATION CONTACT: Al Fleming, Program Manager, Assets for Independence, 370 L... . SUPPLEMENTARY INFORMATION: The following AFI grantees will receive single-source program expansion supplement...

Invest in Financial Literacy

ERIC Educational Resources Information Center

Bush, Sarah B.; McGatha, Maggie B.; Bay-Williams, Jennifer M.

2012-01-01

The current state of the economy elevates the need to build awareness of financial markets and personal finance among the nation's young people through implementing a financial literacy curriculum in schools. A limited amount of time spent on financial literacy can have a positive effect on students' budgeting skills. This knowledge will only add…

77 FR 3294 - Comment Request for Study Regarding Financial Literacy Among Investors

Federal Register 2010, 2011, 2012, 2013, 2014

2012-01-23

... Study Regarding Financial Literacy Among Investors AGENCY: Securities and Exchange Commission. ACTION: Request for comment. SUMMARY: In connection with a study regarding financial literacy among investors as... INFORMATION: Section 917 of the Dodd-Frank Act requires the Commission to conduct a study regarding financial...

Financial Literacy of Secondary Students, and Its Place within Secondary Schools

ERIC Educational Resources Information Center

Neill, Alex; Berg, Melanie; Stevens, Liesje

2014-01-01

This report investigates the behaviour, attitudes and experiences of New Zealand secondary students with money and financial products. It also looks at financial literacy programmes in New Zealand secondary schools and explores barriers to the implementation of financial literacy teaching. The research was commissioned by the Commission for…

The "Test of Financial Literacy": Development and Measurement Characteristics

ERIC Educational Resources Information Center

Walstad, William B.; Rebeck, Ken

2017-01-01

The "Test of Financial Literacy" (TFL) was created to measure the financial knowledge of high school students. Its content is based on the standards and benchmarks stated in the "National Standards for Financial Literacy" (Council for Economic Education 2013). The test development process involved extensive item writing and…

Financial literacy is associated with medial brain region functional connectivity in old age.

PubMed

Han, S Duke; Boyle, Patricia A; Yu, Lei; Fleischman, Debra A; Arfanakis, Konstantinos; Leurgans, Sue; Bennett, David A

2014-01-01

Financial literacy refers to the ability to access and utilize financial information in ways that promote better outcomes. In old age, financial literacy has been associated with a wide range of positive characteristics; however, the neural correlates remain unclear. Recent work has suggested greater co-activity between anterior-posterior medial brain regions is associated with better brain functioning. We hypothesized financial literacy would be associated with this pattern. We assessed whole-brain functional connectivity to a posterior cingulate cortex (PCC) seed region of interest (ROI) in 138 participants of the Rush Memory and Aging Project. Results revealed financial literacy was associated with greater functional connectivity between the PCC and three regions: the right ventromedial prefrontal cortex (vmPFC), the left postcentral gyrus, and the right precuneus. Results also revealed financial literacy was associated negatively with functional connectivity between the PCC and left caudate. Post hoc analyses showed the PCC-vmPFC relationship accounted for the most variance in a regression model adjusted for all four significant functional connectivity relationships, demographic factors, and global cognition. These findings provide information on the neural mechanisms associated with financial literacy in old age. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

Financial Literacy is Associated with Medial Brain Region Functional Connectivity in Old Age

PubMed Central

Han, S. Duke; Boyle, Patricia A.; Yu, Lei; Fleischman, Debra A.; Arfanakis, Konstantinos; Leurgans, Sue; Bennett, David A.

2014-01-01

Financial literacy refers to the ability to access and utilize financial information in ways that promote better outcomes. In old age, financial literacy has been associated with a wide range of positive characteristics; however, the neural correlates remain unclear. Recent work has suggested greater co-activity between anterior-posterior medial brain regions is associated with better brain functioning. We hypothesized financial literacy would be associated with this pattern. We assessed whole-brain functional connectivity to a posterior cingulate cortex (PCC) seed region of interest in 138 participants of the Rush Memory and Aging Project. Results revealed financial literacy was associated with greater functional connectivity between the PCC and three regions: the right ventromedial prefrontal cortex (vmPFC), the left postcentral gyrus, and the right precuneus. Results also revealed financial literacy was associated negatively with functional connectivity between the PCC and left caudate. Post-hoc analyses showed the PCC-vmPFC relationship accounted for the most variance in a regression model adjusted for all four significant functional connectivity relationships, demographic factors, and global cognition. These findings provide information on the neural mechanisms associated with financial literacy in old age. PMID:24893911

Financial Literacy and Economic Outcomes: Evidence and Policy Implications.

PubMed

Mitchell, Olivia S; Lusardi, Annamaria

2015-01-01

This paper reviews what we have learned over the past decade about financial literacy and its relationship to financial decision-making around the world. Using three questions, we have surveyed people in several countries to determine whether they have the fundamental knowledge of economics and finance needed to function as effective decision-makers. We find that levels of financial literacy are low not only in the United States. but also in many other countries including those with well-developed financial markets. Moreover, financial illiteracy is particularly acute for some demographic groups, especially women and the less-educated. These findings are important since financial literacy is linked to borrowing, saving, and spending patterns. We also offer new evidence on financial literacy among high school students drawing on the 2012 Programme for International Student Assessment implemented in 18 countries. Last, we discuss the implications of this research for policy.

Financial Literacy and Economic Outcomes: Evidence and Policy Implications

PubMed Central

Mitchell, Olivia S.; Lusardi, Annamaria

2017-01-01

This paper reviews what we have learned over the past decade about financial literacy and its relationship to financial decision-making around the world. Using three questions, we have surveyed people in several countries to determine whether they have the fundamental knowledge of economics and finance needed to function as effective decision-makers. We find that levels of financial literacy are low not only in the United States. but also in many other countries including those with well-developed financial markets. Moreover, financial illiteracy is particularly acute for some demographic groups, especially women and the less-educated. These findings are important since financial literacy is linked to borrowing, saving, and spending patterns. We also offer new evidence on financial literacy among high school students drawing on the 2012 Programme for International Student Assessment implemented in 18 countries. Last, we discuss the implications of this research for policy. PMID:28553655

[STUDY OF HEALTH LITERACY OF RURAL RESIDENTS OF ALMATY OBLAST (REGION), KAZAKHSTAN: ROLE OF FINANCIAL WELLBEING IN THE FORMATION OF HEALTH LITERACY OF POPULATION].

PubMed

Baisunova, G; Turdaliyeva, B; Tulebayev, K; Zagulova, D

2016-10-01

Aim of the study was to explore the relationships between health literacy (HL) and financial wellbeing in residents of Almaty oblast (region). The survey was conducted among 826 residents of Almaty region aged 18 y.o. Over 56.5% were female residents. To estimate health literacy, self assessed health, financial wellbeing and attitude towards health /work -questionnaire HLS-EU-Q was used. The results confirmed a significant relationship between financial wellbeing, health literacy and health outcomes residents of Almaty region. Relationships between HL and self- assessed health and attitudes towards health /work balance were observed only in respondents with low financial deprivation index, in respondents with low financial wellbeing (high financial deprivation index) no such relationships were observed. Higher financial deprivation index and lower health literacy were observed in respondents for whom work meant more than health. Lower financial deprivation index and higher health literacy were in those respondents for whom health meant more than work. Improvement of HL and motivation for healthy behavior are important challenges for public health. To answer them population's financial wellbeing improvement alone is not enough, as complex change of consumer behavior in healthcare system is needed. HL enhancing in disadvantaged population groups should inform about possibilities of free healthcare services, medications and about the structure of public healthcare service.

Teaching Middle-Grades Mathematics through Financial Literacy

ERIC Educational Resources Information Center

Crawford-Ferre, Heather Glynn; Wiest, Lynda R.; Vega, Stephanie

2016-01-01

Because financial literacy is an important skill for middle-grades students, this article suggests numerous personal financial literacy tasks for use in the mathematics classroom. Also provided are specifics for implementing one of these tasks to address mathematical content.

The Importance of "Praxis" in Financial Literacy Education: An Indigenous Perspective

ERIC Educational Resources Information Center

Blue, Levon; Grootenboer, Peter; Brimble, Mark

2015-01-01

We argue the importance of "praxis" in financial literacy education teaching practices that is, the moral and ethical nature of teaching and learning. Post the global financial crisis of 2008, the teaching of financial literacy has become a priority for many countries. Indigenous communities are often the target of broad FLE strategies…

Homebuyer Education: A Doorway to Financial Literacy.

ERIC Educational Resources Information Center

Osteen, Sissy R.; Auberle, Tricia

2002-01-01

Discusses the need for homebuyer education in light of the increasing availability of assistance programs aimed at traditionally underserved groups such as minorities and low income groups. (Contains 10 references.) (JOW)

The Development of the Financial Literacy Program at the Community College of Baltimore County

ERIC Educational Resources Information Center

Reams-Johnson, Ansa; Delker, Susan

2016-01-01

Student debt has increasingly become an important topic in higher education. Many students, particularly low-income and first-generation college students, do not have a solid understanding of managing personal finances. This becomes further compounded upon entering college, as these students lack the financial acumen to understand the long-term…

Online Investment Education: Listening to Learners to Develop an Effective Financial Literacy Program for Farm Households

ERIC Educational Resources Information Center

O'Neill, Barbara; Porter, Nancy M.; Pankow, Debra; Schuchardt, Jane; Johnson, Jason

2010-01-01

A needs assessment was conducted for the adaptation of an existing online Cooperative Extension investment course for use by farm households. The theoretical model was Social Marketing Theory. Data about financial attitudes, practices, and learning preferences of farm households were collected through a telephone survey of 300 farm households and…

Does literacy improve finance?

PubMed

Poon, Martha; Olen, Helaine

2015-04-01

When economists ask questions about basic financial principles, most ordinary people answer incorrectly. Economic experts call this condition "financial illiteracy," which suggests that poor financial outcomes are due to a personal deficit of reading-related skills. The analogy to reading is compelling because it suggests that we can teach our way out of population-wide financial failure. In this comment, we explain why the idea of literacy appeals to policy makers in the advanced industrial nations. But we also show that the narrow skill set laid out by economists does not satisfy the politically inclusive definition of literacy that literacy studies fought for. We identify several channels through which people engage with ideas about finance and demonstrate that not all forms of literacy will lead people to the educational content prescribed by academic economists. We argue that truly financial literate people can defy the demands of financial theory and financial institutions. © The Author(s) 2015.

Financial Literacy. Snapshots. Volume 6, Issue 6, Article 1

ERIC Educational Resources Information Center

Thomson, Sue

2015-01-01

Young people face financial issues at an earlier age than their parents. Decisions about higher education, the need to be able to manage online payment facilities or even mobile phone plans require a level of financial literacy. PISA 2012 offered an opportunity to collect information about the financial literacy of Australian 15-year-old students,…

Boosting Financial Literacy: Benefits from Learning Study

ERIC Educational Resources Information Center

Pang, Ming Fai

2010-01-01

This paper reports on a study that employed a theory-based approach in the form of a learning study to enhance a domain-specific generic capability, financial literacy, of Grade 12 students to empower them to make informed and independent financial decisions. Financial literacy is seen in this study as a function of student understanding of a…

Are Low-Income Canadians Financially Literate? Placing Financial Literacy in the Context of Personal and Structural Constraints

ERIC Educational Resources Information Center

Buckland, Jerry

2010-01-01

This article argues that financial literacy varies across socioeconomic groups and their neighborhoods, in part because of the adult learning that occurs within a local context. The study begins by explaining that financial literacy needs vary across socioeconomic groups and that there are important structural factors affecting the financial…

Identifying Self-Efficacy and Financial Behaviors as Predictors of Undergraduate College Students' Financial Literacy at a Land Grant University in North Carolina

ERIC Educational Resources Information Center

Hucul, Donna T.

2015-01-01

Financial literacy has become a serious concern in the wake of the Great Recession of 2008. This study explored the financial literacy of undergraduate college students, who as a group constitute a distinct cohort of learners, emerging adults. The college student population represents a financially at-risk group facing mounting student loan debt.…

What Explains the Gender Gap in Financial Literacy? The Role of Household Decision Making.

PubMed

Fonseca, Raquel; Mullen, Kathleen J; Zamarro, Gema; Zissimopoulos, Julie

2012-01-01

Using newly collected data from the RAND American Life Panel, we examine potential explanations for the gender gap in financial literacy, including the role of marriage and who within a couple makes the financial decisions. Blinder-Oaxaca decomposition reveals the majority of the gender gap in financial literacy is not explained by differences in the characteristics of men and women-but rather differences in coefficients, or how literacy is produced. We find that financial decision making of couples is not centralized in one spouse although it is sensitive to the relative education level of spouses.

What Explains the Gender Gap in Financial Literacy? The Role of Household Decision Making

PubMed Central

FONSECA, RAQUEL; MULLEN, KATHLEEN J.; ZAMARRO, GEMA; ZISSIMOPOULOS, JULIE

2012-01-01

Using newly collected data from the RAND American Life Panel, we examine potential explanations for the gender gap in financial literacy, including the role of marriage and who within a couple makes the financial decisions. Blinder–Oaxaca decomposition reveals the majority of the gender gap in financial literacy is not explained by differences in the characteristics of men and women—but rather differences in coefficients, or how literacy is produced. We find that financial decision making of couples is not centralized in one spouse although it is sensitive to the relative education level of spouses. PMID:23049140

Correlates of health and financial literacy in older adults without dementia

PubMed Central

2012-01-01

Background Recent research has begun to recognize the important influence of literacy levels and how they affect health and wellbeing, especially in older adults. Our study focuses on health and financial literacy, two domains of literacy which previous research has suggested may be significantly related to health and wellbeing. Our study examines the relation of health and financial literacy with health promoting behaviors and health status among community-based older persons. Methods We conducted a cross-sectional study using data from the Rush Memory and Aging Project, a community-based cohort study of aging in northeastern Illinois. The study consisted of 556 older persons without dementia, each determined by a clinical evaluation. Health and financial literacy were measured using a series of questions designed to assess the ability to understand and process health and financial information, concepts, and numeracy; the two scores were averaged to yield a total literacy score. Health promoting behaviors, including engagement in cognitive, physical, and social activities, were assessed using self report measures. Indicators of heath status, including cognition (global cognition and five specific cognitive abilities), functional status (basic and instrumental activities of daily living, mobility disability), and mental health (depressive symptoms, loneliness) were assessed. Results In a series of regression models adjusted for age, sex, and education, higher total literacy scores were associated with more frequent participation in health promoting behaviors, including cognitive, physical and social activities (all p values <0.05). Higher total literacy scores were associated with higher cognitive function, less disability, and better mental health (all p values < 0.05). Literacy remained associated with health promoting behaviors and health status in fully adjusted models that also controlled for income and the number of chronic medical conditions. Most of the findings were similar for health and financial literacy except that health literacy was more strongly associated with health promoting behaviors whereas financial literacy was more strongly associated with mental health. Conclusions Health and financial literacy are associated with more frequent engagement in health promoting behaviors and better health status in older persons without dementia. PMID:22691341

Correlates of health and financial literacy in older adults without dementia.

PubMed

Bennett, Jarred S; Boyle, Patricia A; James, Bryan D; Bennett, David A

2012-06-12

Recent research has begun to recognize the important influence of literacy levels and how they affect health and wellbeing, especially in older adults. Our study focuses on health and financial literacy, two domains of literacy which previous research has suggested may be significantly related to health and wellbeing. Our study examines the relation of health and financial literacy with health promoting behaviors and health status among community-based older persons. We conducted a cross-sectional study using data from the Rush Memory and Aging Project, a community-based cohort study of aging in northeastern Illinois. The study consisted of 556 older persons without dementia, each determined by a clinical evaluation. Health and financial literacy were measured using a series of questions designed to assess the ability to understand and process health and financial information, concepts, and numeracy; the two scores were averaged to yield a total literacy score. Health promoting behaviors, including engagement in cognitive, physical, and social activities, were assessed using self report measures. Indicators of heath status, including cognition (global cognition and five specific cognitive abilities), functional status (basic and instrumental activities of daily living, mobility disability), and mental health (depressive symptoms, loneliness) were assessed. In a series of regression models adjusted for age, sex, and education, higher total literacy scores were associated with more frequent participation in health promoting behaviors, including cognitive, physical and social activities (all p values <0.05). Higher total literacy scores were associated with higher cognitive function, less disability, and better mental health (all p values < 0.05). Literacy remained associated with health promoting behaviors and health status in fully adjusted models that also controlled for income and the number of chronic medical conditions. Most of the findings were similar for health and financial literacy except that health literacy was more strongly associated with health promoting behaviors whereas financial literacy was more strongly associated with mental health. Health and financial literacy are associated with more frequent engagement in health promoting behaviors and better health status in older persons without dementia.

Financial Literacy: Getting beyond the Markets

ERIC Educational Resources Information Center

Stanford, Jim

2010-01-01

Recently, several Canadian provinces have added financial literacy into core curriculum for high school students, and in his 2009 budget, federal Finance Minister Jim Flaherty announced the creation of a Task Force to evaluate current financial literacy initiatives. Typically, these initiatives focus on "individual responsibility",…

National Standards for Financial Literacy: Rationale and Content

ERIC Educational Resources Information Center

Bosshardt, William; Walstad, William B.

2014-01-01

The "National Standards for Financial Literacy" describe the knowledge, understanding, and skills that are important for students to learn about personal finance. They are designed to guide teachers, school administrators, and other educators in developing curriculum and educational materials for teaching financial literacy. In this…

A Learning Game for Youth Financial Literacy Education in the Teen Grid of Second Life Three-Dimensional Virtual Environment

ERIC Educational Resources Information Center

Liu, Chang; Franklin, Teresa; Shelor, Roger; Ozercan, Sertac; Reuter, Jarrod; Ye, En; Moriarty, Scott

2011-01-01

Game-like three-dimensional (3D) virtual worlds have become popular venues for youth to explore and interact with friends. To bring vital financial literacy education to them in places they frequent, a multi-disciplinary team of computer scientists, educators, and financial experts developed a youth-oriented financial literacy education game in…

Determinants of Private Long-Term Care Insurance Purchase in Response to the Partnership Program.

PubMed

Lin, Haizhen; Prince, Jeffrey T

2016-04-01

To assess three possible determinants of individuals' response in their private insurance purchases to the availability of the Partnership for Long-Term Care (PLTC) insurance program: bequest motives, financial literacy, and program awareness. The health and retirement study (HRS) merged with data on states' implementation of the PLTC program. Individual-level decision on private long-term care insurance is regressed on whether the PLTC program is being implemented for a given state-year, asset dummies, policy determinant variable, two-way and three-way interactions of these variables, and other controls, using fixed effects panel regression. Analysis used a sample between 50 and 69 years of age from 2002 to 2010, resulting in 12,695 unique individuals with a total of 39,151 observations. We find mild evidence that intent to bequest influences individual purchase of insurance. We also find that program awareness is necessary for response, while financial literacy notably increases responsiveness. Increasing response to the PLTC program among the middle class (the stated target group) requires increased efforts to create awareness of the program's existence and increased education about the program's benefits, and more generally, about long-term care risks and needs. © Health Research and Educational Trust.

Financial Literacy with Families: Opportunity and Hope

ERIC Educational Resources Information Center

Baron, Lorraine M.

2015-01-01

In this article, the author explores the link between citizens' quantitative literacy abilities and their financial prosperity. The author applies a robust social justice research vision and a Freirean approach to describe personal flourishing within the context of numerical, mathematical, and financial literacy (NMFL) education. Four families…

Learning Mathematical Concepts through Authentic Learning

ERIC Educational Resources Information Center

Koh, Noi Keng; Low, Hwee Kian

2010-01-01

This paper explores the infusion of financial literacy into the Mathematics curriculum in a secondary school in Singapore. By infusing financial literacy, a core theme in the 21st century framework, into mathematics education, this study investigated the impact of using financial literacy-rich mathematics lessons by using validated learning…

It Figures in Their Future: Assessing the Impact of EverFi, a Virtual Environment, on Learning High School Personal Finance

ERIC Educational Resources Information Center

Nosal, Ellen M.

2013-01-01

This quasiexperimental study assessed the impact of a program called EverFi in helping high school students learn personal finance and reports on students' content knowledge, behaviors, attitudes, and perceptions of financial literacy. Since the housing crisis in 2005, the need to improve financial education has become critical. In response,…

Association of financial and health literacy with cognitive health in old age.

PubMed

Wilson, Robert S; Yu, Lei; James, Bryan D; Bennett, David A; Boyle, Patricia A

2017-03-01

We tested the hypothesis that higher financial and health literacy is associated with better cognitive health in 755 older persons who completed a literacy measure (M = 67.9, SD = 14.5) and then had annual clinical evaluations for a mean of 3.4 years. In proportional hazards models, higher literacy was associated with decreased risk of developing incident Alzheimer's disease (n = 68) and results were similar for financial and health literacy subscales and after adjustment for potential confounders. In mixed-effects models, higher literacy was related to higher baseline level of cognition and reduced cognitive decline in multiple domains. Among the 602 persons without any cognitive impairment at baseline, higher literacy was associated with a reduced rate of cognitive decline and risk of developing incident mild cognitive impairment (n = 142). The results suggest that higher levels of financial and health literacy are associated with maintenance of cognitive health in old age.

Correlates of healthcare and financial decision making among older adults without dementia.

PubMed

Stewart, Christopher C; Yu, Lei; Wilson, Robert S; Bennett, David A; Boyle, Patricia A

2018-03-22

Healthcare and financial decision making among older persons has been previously associated with cognition, health and financial literacy, and risk aversion; however, the manner by which these resources support decision making remains unclear, as past studies have not systematically investigated the pathways linking these resources with decision making. In the current study, we use path analysis to examine the direct and indirect pathways linking age, education, cognition, literacy, and risk aversion with decision making. We also decomposed literacy into its subcomponents, conceptual knowledge and numeracy, in order to examine their associations with decision making. Participants were 937 community-based older adults without dementia from the Rush Memory and Aging Project who completed a battery of cognitive tests and assessments of healthcare and financial decision making, health and financial literacy, and risk aversion. Age and education exerted effects on decision making, but nearly two thirds of their effects were indirect, working mostly through cognition and literacy. Cognition exerted a strong direct effect on decision making and a robust indirect effect working primarily through literacy. Literacy also exerted a powerful direct effect on decision making, as did its subcomponents, conceptual knowledge and numeracy. The direct effect of risk aversion was comparatively weak. In addition to cognition, health and financial literacy emerged as independent and primary correlates of healthcare and financial decision making. These findings suggest specific actions that might be taken to optimize healthcare and financial decision making and, by extension, improve health and well-being in advanced age. (PsycINFO Database Record (c) 2018 APA, all rights reserved).

The Importance of Financial Literacy

ERIC Educational Resources Information Center

Kezar, Adrianna; Yang, Hannah

2010-01-01

In this article, the authors argue that campus communities must play a more active role in developing financial literacy than they currently do--and not just by providing counseling in moments of emergency. They argue that financial literacy, as a life skill, as a requisite to citizenship, and as a critical intellectual competency, is an essential…

Credit Card Usage among Older Adults: Assessing Financial Literacy and Pressures

ERIC Educational Resources Information Center

St. Pierre, Eileen; Shreffler, Karina

2013-01-01

The research reported here assessed the financial literacy of older adults living in rural communities, current use of and attitudes towards debt, and debt pressures. Those surveyed exhibit low credit card usage and responsible payment practices. Most never use credit to pay medical expenses. Respondents display a financial literacy level similar…

Boosting Financial Literacy in America: A Role for State Colleges and Universities. Perspectives

ERIC Educational Resources Information Center

Harnisch, Thomas L.

2010-01-01

Given the overarching ramifications that financial literacy plays in the modern economy, this paper contends that a renewed emphasis on financial literacy is central to individual, family and communal economic security. New responsibilities and opportunities given to consumers, such as retirement planning, have increased the need for more…

Family Health and Financial Literacy--Forging the Connection

ERIC Educational Resources Information Center

Braun, Bonnie; Kim, Jinhee; Anderson, Elaine A.

2009-01-01

Families are at-risk of or experiencing a diminished quality of living and life in current economic times and difficult decisions are required. Health and financial literacy are the basis for wise personal and public decision making. Family and consumer sciences (FCS) professionals can forge connections between health and financial literacy to…

Report of the Military Compensation and Retirement Modernization Commission

DTIC Science & Technology

2015-01-29

instructions , searching existing data sources, gathering and maintaining the data needed, and completing and reviewing the collection of information ...collection of information if it does not display a currently valid OMB control number. 1. REPORT DATE 29 JAN 2015 2. REPORT TYPE Final 3. DATES...42  Recommendation 3: Promote Service members’ financial literacy by implementing a more robust financial and health benefit training program

Assessing the Effects of Financial Literacy on Patient Engagement.

PubMed

Meyer, Melanie A; Hudak, Ronald P

2016-07-01

We investigated the relationship between financial literacy and patient engagement while considering the possible interaction effects due to patient financial responsibility and patient-physician shared decision making, and the impact of personal attributes. Participants consisted of an Internet-based sample of American adults (N = 160). Hierarchical multiple linear regression analysis was conducted to examine the relationship of the study variables on patient engagement. We found that patient financial responsibility (β = -.19, p < .05) and patient-physician shared decision-making (β = .17, p < .05) predicted patient engagement. However, there was no statistically significant relationship between patient financial literacy and patient engagement; moreover, the moderation effects of patient financial responsibility and shared decision making with financial literacy also were not statistically significant. Increasing patient financial responsibility and patient-physician shared decision making can impact patient engagement. Understanding the predictors of patient engagement and the factors that influence financial behaviors may allow for the development of interventions to enable patients to make better healthcare decisions, and ultimately, improve health outcomes.

What Financial Dilemmas Reveal about Students' Social and Mathematical Understanding

ERIC Educational Resources Information Center

Sawatzki, Carly

2013-01-01

Everyday financial dilemmas require us to draw on social, interdisciplinary, and mathematical understandings simultaneously and in synergy if we are to make informed financial decisions. Financial literacy is enjoying an elevated status across the "Australian Curriculum." This paper reviews some of the literature on financial literacy,…

The association between financial literacy and Problematic Internet Shopping in a multinational sample.

PubMed

Lam, Lawrence T; Lam, Mary K

2017-12-01

To examine the association between financial literacy and Problematic Internet Shopping in adults. This cross-sectional online survey recruited participants, aged between 18 and 60 years, through an online research facility. The sample consisted of multinational participants from mainly three continents including Europe, North America, and Asia. Problematic Internet Shopping was assessed using the Bergen Shopping Addiction Scale (BSAS). Financial Literacy was measured by the Financial Literacy subscale of the Financial Wellbeing Questionnaire. Multiple linear regression analyses were conducted to elucidate the relationship between the study and outcome variables with adjustment for other potential risk factors. Of the total of 997 respondents with an average age of 30.9 (s.d. = 8.8), 135 (13.8%) could be classified as having a high risk of being Problematic Internet Shoppers. Results from the multiple regression analyses suggested a significant and negative relationship between financial literacy and Problematic Internet Shopping with a regression coefficient of - 0.13, after controlling for the effects of potential risk factors such as age, region of birth, employment, income, shopping frequency, self-regulation and anxiety (t = - 6.42, p < 0.001). The clinical management of PIS should include a financial counselling as a component of the treatment regime. Enhancement of financial literacy in the general population, particularly among young people, will likely have a positive effect on the occurrence of PIS.

Financial Literacy for High School Students: A Guidance Document to Assist Nevada's School Districts in Meeting the Requirements under SB 317

ERIC Educational Resources Information Center

Nevada Department of Education, 2010

2010-01-01

The 2009 Nevada Legislature approved Senate Bill 317 (SB 317) requiring that Nevada's public high schools, including charter schools, provide instruction in financial literacy. In an effort to assist school districts with implementation of instruction in financial literacy, the Nevada Department of Education assembled a task force (Financial…

State-Level Mandates for Financial Literacy Education, JA Finance Park, and the Impact on Eighth-Grade Students in Colorado

ERIC Educational Resources Information Center

Mitchell, Sherri L.

2013-01-01

In 2008, the Colorado General Assembly passed legislation requiring the adoption of personal financial literacy (PFL) education standards for kindergarten through 12th-grade students. Beginning in 2014, the state plans to conduct standardized testing to determine financial literacy of 3rd- through 12th-grade students. The state did not allocate…

Does Financial Literacy Contribute to Food Security?

PubMed

Carman, Katherine G; Zamarro, Gema

2016-01-01

Food insecurity, not having consistent access to adequate food for active, healthy lives for all household members, is most common among low income households. However, income alone is not sufficient to explain who experiences food insecurity. This study investigates the relationship between financial literacy and food security. We find that low income households who exhibit financial literacy are less likely to experience food insecurity.

A Comparison of Financial Literacy between Native and Immigrant School Students

ERIC Educational Resources Information Center

Grama?ki, Iulian

2017-01-01

This paper investigates the gap in Financial Literacy (FL) between native and immigrant 15-year-old school students using data from the 2012 PISA Financial Literacy Assessment. The size of the gap is about 0.15 standard deviations, going up to 0.3 for first-generation immigrants. This is partly because immigrants have poorer economic background,…

National Summit on Economic & Financial Literacy (Washington, DC, March 3, 2005). Executive Summary

ERIC Educational Resources Information Center

National Council on Economic Education (NJ3), 2005

2005-01-01

On March 3, 2005, a gathering of policy-shapers, thought-leaders and decision-makers met for The National Summit on Economic and Financial Literacy to promote the benefits of economic and financial literacy to individuals, families, businesses and communities. The ultimate goal of the Summit was to ensure that everyone has the real-life skills…

Financial Literacy: A Critical Adult Education Appraisal

ERIC Educational Resources Information Center

English, Leona M.

2014-01-01

This chapter critically examines financial literacy education, asking what its assumptions are and what adult educators need to ask of its curriculum, its bases, and the people being taught to be financially literate.

Cognitive decline impairs financial and health literacy among community-based older persons without dementia

PubMed Central

Boyle, Patricia A.; Yu, Lei; Wilson, Robert S.; Segawa, Eisuke; Buchman, Aron S.; Bennett, David A.

2013-01-01

Literacy is an important determinant of health and well-being across the lifespan but is critical in aging, when many influential health and financial decisions are made. Prior studies suggest that older persons exhibit lower literacy than younger persons, particularly in the domains of financial and health literacy, but the reasons why remain unknown. The objectives of this study were to: a) examine pathways linking diverse resources (i.e., education, word knowledge, cognitive function, and decision making style) to health and financial literacy among older persons and determine the extent to which the relation of age with literacy represents a direct effect versus an indirect effect due to decrements in specific cognitive functions (i.e., executive functions and episodic memory), and b) test the hypothesis that declines in executive function and episodic memory are associated with lower literacy among older persons without dementia. 645 community-based older persons without dementia underwent detailed assessments of diverse resources, including education, word knowledge, cognitive function (i.e., executive function, episodic memory) and decision making style (i.e., risk aversion), and completed a measure of literacy that included items similar to those assessed in the Health and Retirement Study, such as numeracy, financial concepts such as compound inflation and knowledge of stocks and bonds, and important health concepts such as understanding of drug risk and Medicare Part D. Path analysis revealed a strong effect of age on literacy, with about half of the effect of age on literacy due to decrements in executive functions and episodic memory. In addition, executive function had an indirect effect on literacy via decision making style (i.e., risk aversion), and education and word knowledge had independent effects on literacy. Finally, among (n=447) persons with repeated cognitive assessments available for up to 14 years, regression analysis supported the association of multiple resources with literacy; moreover, more rapid declines in executive function and episodic memory over an average of 6.4 years prior to the literacy assessment predicted lower literacy scores (p’s<0.02), but rate of decline in word knowledge did not. These findings suggest that diverse individual resources contribute to financial and health literacy and lower literacy in old age is partially due to declines in executive function and episodic memory. PMID:23957225

Cognitive decline impairs financial and health literacy among community-based older persons without dementia.

PubMed

Boyle, Patricia A; Yu, Lei; Wilson, Robert S; Segawa, Eisuke; Buchman, Aron S; Bennett, David A

2013-09-01

Literacy is an important determinant of health and well-being across the life span but is critical in aging, when many influential health and financial decisions are made. Prior studies suggest that older persons exhibit lower literacy than younger persons, particularly in the domains of financial and health literacy, but the reasons why remain unknown. The objectives of this study were to: (a) examine pathways linking diverse resources (i.e., education, word knowledge, cognitive function, and decision making style) to health and financial literacy among older persons and determine the extent to which the relation of age with literacy represents a direct effect versus an indirect effect due to decrements in specific cognitive functions (i.e., executive functions and episodic memory); and (b) test the hypothesis that declines in executive function and episodic memory are associated with lower literacy among older persons without dementia. Six-hundred and forty-five community-based older persons without dementia underwent detailed assessments of diverse resources, including education, word knowledge, cognitive function (i.e., executive function, episodic memory) and decision making style (i.e., risk aversion), and completed a measure of literacy that included items similar to those used in the Health and Retirement Study, such as numeracy, financial concepts such as compound inflation and knowledge of stocks and bonds, and important health concepts such as understanding of drug risk and Medicare Part D. Path analysis revealed a strong effect of age on literacy, with about half of the effect of age on literacy due to decrements in executive functions and episodic memory. In addition, executive function had an indirect effect on literacy via decision making style (i.e., risk aversion), and education and word knowledge had independent effects on literacy. Finally, among (n = 447) persons with repeated cognitive assessments available for up to 14 years, regression analysis supported the association of multiple resources with literacy; moreover, more rapid declines in executive function and episodic memory over an average of 6.4 years prior to the literacy assessment predicted lower literacy scores (ps < 0.02), but rate of decline in word knowledge did not. These findings suggest that diverse individual resources contribute to financial and health literacy and lower literacy in old age is partially due to declines in executive function and episodic memory.

National Consumer and Financial Literacy Framework

ERIC Educational Resources Information Center

Ministerial Council for Education, Early Childhood Development and Youth Affairs (NJ1), 2011

2011-01-01

This document is a revised version of the National Consumer and Financial Literacy Framework (the Framework) originally developed in 2005. It articulates a rationale for consumer and financial education in Australian schools; describes essential consumer and financial capabilities that will support lifelong learning; and provides guidance on how…

Does Financial Literacy Contribute to Food Security?

PubMed Central

Carman, Katherine G.; Zamarro, Gema

2016-01-01

Food insecurity, not having consistent access to adequate food for active, healthy lives for all household members, is most common among low income households. However, income alone is not sufficient to explain who experiences food insecurity. This study investigates the relationship between financial literacy and food security. We find that low income households who exhibit financial literacy are less likely to experience food insecurity. PMID:26949563

75 FR 17847 - National Financial Literacy Month, 2010

Federal Register 2010, 2011, 2012, 2013, 2014

2010-04-08

... complex. This has left too many Americans behind, unable to build a secure financial future for themselves and their families. For many, financial literacy can mean economic prosperity and protection against... financial products to conceal risks and escape scrutiny. At the same time, many Americans took out loans...

The Financial Literacy of Social Work Students

ERIC Educational Resources Information Center

Kindle, Peter A.

2013-01-01

The financial literacy of social work students has become the focus of curriculum development and research, but no study to date has attempted to assess the financial knowledge possessed by social work students. This study addressed that gap by assessing the level of objective financial knowledge reported by social work student respondents…

Financial Literacy and Financial Sophistication in the Older Population

PubMed Central

Lusardi, Annamaria; Mitchell, Olivia S.; Curto, Vilsa

2017-01-01

Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to highlight which questions best capture financial sophistication and examine the sensitivity of financial literacy responses to framing effects. Results show that many older respondents are not financially sophisticated: they fail to grasp essential aspects of risk diversification, asset valuation, portfolio choice, and investment fees. Subgroups with notable deficits include women, the least educated, non-Whites, and those over age 75. In view of the fact that retirees increasingly must take on responsibility for their own retirement security, such meager levels of knowledge have potentially serious and negative implications. PMID:28553191

Financial Literacy and Financial Sophistication in the Older Population.

PubMed

Lusardi, Annamaria; Mitchell, Olivia S; Curto, Vilsa

2014-10-01

Using a special-purpose module implemented in the Health and Retirement Study, we evaluate financial sophistication in the American population over the age of 50. We combine several financial literacy questions into an overall index to highlight which questions best capture financial sophistication and examine the sensitivity of financial literacy responses to framing effects. Results show that many older respondents are not financially sophisticated: they fail to grasp essential aspects of risk diversification, asset valuation, portfolio choice, and investment fees. Subgroups with notable deficits include women, the least educated, non-Whites, and those over age 75. In view of the fact that retirees increasingly must take on responsibility for their own retirement security, such meager levels of knowledge have potentially serious and negative implications.

Financial Literacy of Young Adults: The Importance of Parental Socialization

ERIC Educational Resources Information Center

Jorgensen, Bryce L.; Savla, Jyoti

2010-01-01

This article tests a conceptual model of perceived parental influence on the financial literacy of young adults. Structural equation modeling was used to test whether (a) parents were perceived to influence young adults' financial knowledge, attitudes, and behaviors and (b) the degree to which young adults' financial attitudes mediated financial…

Towards a Framework for Financial Literacy in the Context of Democracy

ERIC Educational Resources Information Center

Davies, Peter

2015-01-01

This paper contrasts the prevailing individualistic approach of financial literacy measurement and financial education with an educational framework that seeks to equip young people to play an active democratic role and to develop a broader understanding of the financial world. In particular, the framework suggests how important dimensions of…

Reality Check: OK Extension Helps Teachers Meet Financial Education Requirements

ERIC Educational Resources Information Center

St. Pierre, Eileen; Simpson, Mickey; Moffat, Susan; Cothren, Phillis

2011-01-01

According to the Jump$tart Coalition, Oklahoma is one of 24 states to adopt financial education requirements for students (Jump$tart Coalition, 2010). The Passport to Financial Literacy Act of 2007, Oklahoma House Bill 1476, requires Oklahoma students in grades 7 through 12 to fulfill established financial literacy requirements to graduate with a…

Comparing the Financial Literacy of Public School, Christian School, and Homeschooled Students

ERIC Educational Resources Information Center

Wright, Tricia

2016-01-01

The 2008 recession underscored public concern that financial illiteracy has costs that are not limited to the individual who makes poor financial decisions. Considering that college students with limited financial experience are making legally binding decisions, this study explored the personal finance literacy and behavior of Christian college…

Giving Guidance When You Don't Have the Resources of a Swiss Bank: Answering Everyday Questions That Deal with Financial Literacy

ERIC Educational Resources Information Center

Kraus, Peter L.

2015-01-01

Financial literacy is the ability to understand how money works in a person's day-to-day life: how someone earns money, manages it, invests it, and donates it to help others. As librarians, we must realize that when patrons come to us for guidance in the area of financial literacy, they are trusting us to provide not only reliable information for…

Supporting Youth Transitioning out of Foster Care. Issue Brief 3: Employment Programs. OPRE Report No. 2014-70

ERIC Educational Resources Information Center

Edelstein, Sara; Lowenstein, Christopher

2014-01-01

This issue brief is one of three that focus on programs providing services to youth transitioning out of foster care in three common service domains: education, employment, and financial literacy and asset building. This brief highlights why employment services are important to youth currently or formerly in foster care, what we know about the…

Economic Cognitions Among Older Adults: Parental Socialization Predicts Financial Planning for Retirement

PubMed Central

Palaci, Francisco; Jiménez, Irene; Topa, Gabriela

2017-01-01

Drawing on the model on financial planning for retirement (FPR), the aim of this work is to explore how parental economic socialization both directly and indirectly affects FPR through the mediation of financial literacy, financial planning decisions and financial management. Data from a sample of 280 participants aged between 45 and 63 years were used. The results show that parental economic socialization directly and indirectly influences FPR. Moreover, parental economic behavior acts as a positive model for the development of financial literacy and skills and for decisions about FPR. All the variables increased the explained variance of FPR. Lastly, we discuss the process by which parental economic socialization is positively related to financial literacy and skills that impact on FPR, indicating some implications and future lines of research. PMID:29209198

Economic Cognitions Among Older Adults: Parental Socialization Predicts Financial Planning for Retirement.

PubMed

Palaci, Francisco; Jiménez, Irene; Topa, Gabriela

2017-01-01

Drawing on the model on financial planning for retirement (FPR), the aim of this work is to explore how parental economic socialization both directly and indirectly affects FPR through the mediation of financial literacy, financial planning decisions and financial management. Data from a sample of 280 participants aged between 45 and 63 years were used. The results show that parental economic socialization directly and indirectly influences FPR. Moreover, parental economic behavior acts as a positive model for the development of financial literacy and skills and for decisions about FPR. All the variables increased the explained variance of FPR. Lastly, we discuss the process by which parental economic socialization is positively related to financial literacy and skills that impact on FPR, indicating some implications and future lines of research.

Exploring the Classroom Practices That May Enable a Compassionate Approach to Financial Literacy Education

ERIC Educational Resources Information Center

Blue, Levon Ellen; O'Brien, Mia; Makar, Katie

2018-01-01

From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The…

On the Money: High School Mathematics Activities to Build Financial Literacy

ERIC Educational Resources Information Center

Peters, Susan A.; Bay-Williams, Jennifer M.; Martinie, Sherri L.

2016-01-01

As high school students make more and more important decisions, their need for financial literacy increases significantly. To succeed in life, they need both an understanding of financial issues and the math skills to make financially sound choices. With all the requirements and standards to be met in high schools today, how can teachers find room…

Promoting Access to Finance by Empowering Consumers--Financial Literacy in Developing Countries

ERIC Educational Resources Information Center

Kefela, Ghirmai T.

2010-01-01

This paper is an effort to establish the financial sector in developing countries to promote financial literacy of their customers. This could have access to finance and savings, which in turn support livelihoods, economic growth, sound financial systems, and participate in the economy. The main objectives of this paper is to enhance a bank's…

Financial Literacy and Education Research Priorities

ERIC Educational Resources Information Center

Schuchardt, Jane; Hanna, Sherman D.; Hira, Tahira K.; Lyons, Angela C.; Palmer, Lance; Xiao, Jing Jian

2009-01-01

Twenty-nine scholars from public and private universities, non-profit organizations, and the federal government participated in a National Research Symposium on Financial Literacy and Education in October 2008 in Washington, DC. The purpose was to identify critical research questions that could inform outcomes-based financial education, relevant…

Rules of the Role: Library as Host/Community as Guest.

ERIC Educational Resources Information Center

Piworwarczyk, Linda

2002-01-01

Discusses how libraries can prepare for today's users in light of increasing technology demands on collections and on users' expectations. Topics include reading habits and literacy; collection diversity; financial support; technology versus more traditional services; marketing strategies, including outreach programs; and considering users as…

Financial Literacy and Family Learning--Tutor Resources. Financial Literacy in Context

ERIC Educational Resources Information Center

Basic Skills Agency, 2008

2008-01-01

This publication contains a series of sessions developed and used by Newcastle City Council Family Learning Service and now published to share practice. The sessions were developed specifically to support "Skills for Life" tutors to deliver the adult literacy and numeracy curricula but can also be used by other practitioners. There are…

The Economic Importance of Financial Literacy: Theory and Evidence

PubMed Central

Lusardi, Annamaria; Mitchell, Olivia S.

2017-01-01

This paper undertakes an assessment of a rapidly growing body of economic research on financial literacy. We start with an overview of theoretical research which casts financial knowledge as a form of investment in human capital. Endogenizing financial knowledge has important implications for welfare as well as policies intended to enhance levels of financial knowledge in the larger population. Next, we draw on recent surveys to establish how much (or how little) people know and identify the least financially savvy population subgroups. This is followed by an examination of the impact of financial literacy on economic decision-making in the United States and elsewhere. While the literature is still young, conclusions may be drawn about the effects and consequences of financial illiteracy and what works to remedy these gaps. A final section offers thoughts on what remains to be learned if researchers are to better inform theoretical and empirical models as well as public policy. PMID:28579637

The Economic Importance of Financial Literacy: Theory and Evidence.

PubMed

Lusardi, Annamaria; Mitchell, Olivia S

2014-03-01

This paper undertakes an assessment of a rapidly growing body of economic research on financial literacy. We start with an overview of theoretical research which casts financial knowledge as a form of investment in human capital. Endogenizing financial knowledge has important implications for welfare as well as policies intended to enhance levels of financial knowledge in the larger population. Next, we draw on recent surveys to establish how much (or how little) people know and identify the least financially savvy population subgroups. This is followed by an examination of the impact of financial literacy on economic decision-making in the United States and elsewhere. While the literature is still young, conclusions may be drawn about the effects and consequences of financial illiteracy and what works to remedy these gaps. A final section offers thoughts on what remains to be learned if researchers are to better inform theoretical and empirical models as well as public policy.

Exploring the classroom practices that may enable a compassionate approach to financial literacy education

NASA Astrophysics Data System (ADS)

Blue, Levon Ellen; O'Brien, Mia; Makar, Katie

2017-08-01

From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The financial maths task asked students to decide on the best fundraising option for the school. We used the theory of practice architectures to analyse the interactions in the classroom in order to understand what may have enabled and constrained classroom practices. We found that classroom practices such as engaging with peers through positive and collaborative learning opportunities, making ethical, social and mathematical connections of the task, and considering the impact of financial decisions on others may enable a compassionate approach to financial literacy education.

Exploring the classroom practices that may enable a compassionate approach to financial literacy education

NASA Astrophysics Data System (ADS)

Blue, Levon Ellen; O'Brien, Mia; Makar, Katie

2018-06-01

From an early age, children are faced with financial dilemmas and are expected to make effective financial decisions about money. In this paper, we explore the classroom practices that may enable a compassionate approach to financial literacy education. We observed an inquiry-based mathematics lesson in a Year 4 primary school classroom. The financial maths task asked students to decide on the best fundraising option for the school. We used the theory of practice architectures to analyse the interactions in the classroom in order to understand what may have enabled and constrained classroom practices. We found that classroom practices such as engaging with peers through positive and collaborative learning opportunities, making ethical, social and mathematical connections of the task, and considering the impact of financial decisions on others may enable a compassionate approach to financial literacy education.

Evaluation of the Basic Skills Agency's Financial Literacy Project. Executive Summary

ERIC Educational Resources Information Center

Rhodes, Valerie; Coben, Diana

2007-01-01

The Financial Services Authority (FSA) is leading a national strategy to improve the United Kingdom's financial capability (FSA, 2006). The strategy recognises that there is a need for Financial Literacy education across all areas of society, from children in school to mature adults in all walks of life. In order to meet this need and to be…

On the Money: Math Activities to Build Financial Literacy, Grades 6-8

ERIC Educational Resources Information Center

Bay-Williams, Jennifer M.; Bush, Sarah B.; Peters, Susan A.; McGatha, Maggie B.

2015-01-01

To succeed in college, career, and life, students need to become financially literate. But understanding the basics of a long-term investment or a short-term loan is not enough without the math skills to make financially sound choices. In the already full curriculum of middle schools today, how can teachers find room to include financial literacy?…

Examining Financial Literacy among Transfer and Nontransfer Students: Predicting Financial Well-Being and Academic Success at a Four-Year University

ERIC Educational Resources Information Center

Starobin, Soko S.; Hagedorn, Linda Serra; Purnamasari, Agustina; Chen, Yu

2013-01-01

This study analyzes the data collected through the Financial Literacy project conducted in the fall semester of 2010 at a land grant research university in the Midwest. A survey instrument, which includes 43 items that measure constructs such as parental influence, financial knowledge and behaviors, and working experience of students while…

"Get Some Secured Credit Cards Homey": Hip Hop Discourse, Financial Literacy and the Design of Digital Media Learning Environments

ERIC Educational Resources Information Center

Devane, Ben

2009-01-01

In the midst of the worst economic crisis since the Great Depression, there exists a deficit of compelling financial education curricula in urban schools that serve financially vulnerable working-class students. Part of a design-based research investigation aimed at creating culturally-relevant financial literacy learning environments, this study…

The Association Between Consumer Competency and Supplemental Nutrition Assistance Program Participation on Food Insecurity.

PubMed

Chang, Yunhee; Kim, Jinhee; Chatterjee, Swarn

2017-09-01

To examine whether Supplemental Nutrition Assistance Program (SNAP) participants exhibited lower food insecurity when they also demonstrated desirable behaviors in the areas of financial management, nutrition literacy, and conscientious food shopping. Using data from the US Department of Agriculture's newly launched National Household Food Acquisition and Purchase Survey, this study examined whether consumer competency is a factor that affects food insecurity. A total of 4,158 participants were included. Sampling weights were applied to represent the population better. Very low food insecurity was the dependent variable. Important independent variables were participants' financial management skills, nutrition literacy, and conscientious shopping. Logit and 2-staged least-squares models were used for empirical analyses. The significance of models was tested at .05, .01, and .001. Consumer competency-related factors such as financial management ability, not defaulting on bill payments within the previous 6 months, and using the nutrition panel frequently when shopping were negatively associated with food insecurity and very low food security after controlling for a number of other demographic, socioeconomic, and behavioral characteristics. Policies that focus solely on consumer competency programs such as SNAP-Education might marginally achieve program goals but the effect would be modest owing to the unique challenges that SNAP participants may face. Further investigations are needed to understand better why SNAP participants do not benefit successfully from competent consumer practices. Copyright © 2017 Society for Nutrition Education and Behavior. Published by Elsevier Inc. All rights reserved.

Financial Literacy of Freshmen Business School Students

ERIC Educational Resources Information Center

Rosacker, Kirsten M.; Ragothaman, Srini; Gillispie, Michael

2009-01-01

In recent years, financial literacy has increasingly captured the attention of the banking and financial industries, policy makers, government agencies, public interest groups, and members of the news media. These interested parties are concerned that consumers lack the basic skills required to make decisions beneficial to their economic welfare.…

Financial Literacy Curriculum: The Effect on Offender Money Management Skills

ERIC Educational Resources Information Center

Koenig, Lori A.

2007-01-01

Offenders involved in this study lacked basic financial knowledge which presented a barrier to their success upon release. The researcher modified existing curriculum and created a course in financial literacy for offenders within a medium security correctional facility based upon their personal experiences. The offenders gained financial…

What Does Financial Literacy Training Teach Us?

ERIC Educational Resources Information Center

Carlin, Bruce Ian; Robinson, David T.

2012-01-01

The authors use data from a finance-related theme park to explore how financial education changes investment, financing, and consumer behavior. Students were assigned fictitious life situations and asked to create household budgets. Some students received a 19-hour financial literacy curriculum before going to the park, and some did not. After…

Improving Financial Literacy of College Students: A Cross-Sectional Analysis

ERIC Educational Resources Information Center

Seyedian, Mojtaba; Yi, Taihyeup David

2011-01-01

Financial literacy has become more important than ever as an increasing number of college students are relying on credit cards to finance their education. We examine whether college students are knowledgeable about finance, whether they improve upon that knowledge, and whether their demographic profile, financial backgrounds, and…

The Effect of a High School Financial Literacy Course on Student Financial Knowledge

ERIC Educational Resources Information Center

McCann, Karen L.

2010-01-01

New Jersey school districts establish curriculums to meet the proficiencies found in the New Jersey Core Curriculum Content Standards (NJCCCS). The research focuses on the effectiveness of the Washington Township High School Career and Technology Education Department's curriculum in addressing the NJCCS Financial Literacy benchmarks. The…

Common Sense Planning for a Computer, or, What's It Worth to You?

ERIC Educational Resources Information Center

Crawford, Walt

1984-01-01

Suggests factors to be considered in planning for the purchase of a microcomputer, including budgets, benefits, costs, and decisions. Major uses of a personal computer are described--word processing, financial analysis, file and database management, programming and computer literacy, education, entertainment, and thrill of high technology. (EJS)

Public Libraries in an Age of Financial Complexity: Toward Enhancing Community Financial Literacy

ERIC Educational Resources Information Center

Smith, Catherine Arnott; Eschenfelder, Kristin

2013-01-01

This report describes several linked empirical studies that examine the activities of public libraries in increasing the financial literacy of their service population. A qualitative field study examines librarians' perceptions of the challenges in offering information and services in this domain; a second set of interviews centers on the…

Lessons in Financial Literacy Task Design: Authentic, Imaginable, Useful

ERIC Educational Resources Information Center

Sawatzki, Carly

2017-01-01

As part of ongoing design-based research exploring financial literacy teaching and learning, 10 tasks termed "financial dilemmas" were trialled by 14 teachers and more than 300 year 5 and 6 students in four government primary schools in urban Darwin. Drawing on data related to three tasks--"Catching the bus," "Laser…

Financial Literacy and the Use of Interest-Only Mortgages

ERIC Educational Resources Information Center

Seay, Martin C.; Preece, Gloria L.; Le, Vincent C.

2017-01-01

This study explored the relationship between financial literacy and the use of interest-only mortgages using data from the 2009 National Financial Capability Study (NFCS). A series of analyses were conducted to investigate characteristics associated with the use of an interest-only mortgage as a primary mortgage, as compared to fixed-rate mortgage…

FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW.

PubMed

Lusardi, Annamaria; Mitchell, Olivia S

2011-10-01

In an increasingly risky and globalized marketplace, people must be able to make well-informed financial decisions. Yet new international research demonstrates that financial illiteracy is widespread when financial markets are well developed as in Germany, the Netherlands, Sweden, Japan, Italy, New Zealand, and the United States, or when they are changing rapidly as in Russia. Further, across these countries, we show that the older population believes itself well informed, even though it is actually less well informed than average. Other common patterns are also evident: women are less financially literate than men and are aware of this shortfall. More educated people are more informed, yet education is far from a perfect proxy for literacy. There are also ethnic/racial and regional differences: city-dwellers in Russia are better informed than their rural counterparts, while in the U.S., African Americans and Hispanics are relatively less financially literate than others. Moreover, the more financially knowledgeable are also those most likely to plan for retirement. In fact, answering one additional financial question correctly is associated with a 3-4 percentage point higher chance of planning for retirement in countries as diverse as Germany, the U.S., Japan, and Sweden; in the Netherlands, it boosts planning by 10 percentage points. Finally, using instrumental variables, we show that these estimates probably underestimate the effects of financial literacy on retirement planning. In sum, around the world, financial literacy is critical to retirement security.

Round Table of Bankers, Economists and Financiers on Literacy; Final Report (Rome, Italy, February 11-13, 1969).

ERIC Educational Resources Information Center

United Nations Educational, Scientific, and Cultural Organization, Paris (France).

A report on the Round Table of Bankers, Economists and Financiers on Literacy contains a brief summary of discussion, the eleven recommendations of the Round Table, and the opening address given by Mr. Rene Maheu, Director-General of Unesco. The consensus of the participants' opinions was that literacy is essential to development, that functional…

Expanded Financial Literacy Unit Helps Students Make Wise Choices

ERIC Educational Resources Information Center

Franklin, Iris E.

2007-01-01

Financial literacy is a national, state, and local concern these days. At one time, the financial unit in high school family and consumer sciences (FCS) classes was as simple as looking at budgets and doing checkbook exercises. However, after students at Meeker High School in Meeker, Colorado began to ask more in-depth questions and realized that…

Show Me the Money Resources: Financial Literacy for 21st-Century Learners

ERIC Educational Resources Information Center

Gavigan, Karen

2010-01-01

Some economists have called the current U.S. economic environment the worst financial crisis since the Great Depression. Many educators and parents believe it is more important than ever for students to master financial literacy skills. To become successful and responsible 21st century citizens, students need to graduate globally competitive for…

A Bull Market for Financial Literacy

ERIC Educational Resources Information Center

Finkel, Ed

2010-01-01

School districts across the country have been taking a harder look at what they are teaching students about financial literacy in the wake of the financial crisis of the past few years, caused in part by excessive credit card and mortgage debt. While economics courses have been common for many years, particularly at the high school level,…

Insights from a Financial Literacy Task Designer: The Curious Case of Problem Context

ERIC Educational Resources Information Center

Sawatzki, Carly

2016-01-01

As part of ongoing design-based research exploring financial literacy teaching and learning, ten tasks termed "financial dilemmas" were trialled by 14 teachers and more than 300 Year 5 and 6 students in 4 government primary schools in urban Darwin. Drawing on data related to two tasks--"Catching the bus" and "Buying…

Inclusive Financial Literacy Education for Inspiring a Critical Financial Consciousness: An Experiment in Partnership with Marginalised Youth

ERIC Educational Resources Information Center

Visano, Brenda Spotton; Ek-Udofia, Imo

2017-01-01

In the absence of critical inquiry, traditional financial literacy education risks socialising economically marginalised groups into an acceptance of the very power structures that created their marginalisation in the first place. The instructor-facilitator seeking to confront the challenge of promoting critical thinking about a subject widely…

Stocks in the Future: An Examination of Participant Outcomes in 2014-15

ERIC Educational Resources Information Center

Durham, Rachel E.

2016-01-01

This report features research on Stocks in the Future (SIF), a financial literacy program for middle-grades students. The goals of SIF are to serve underrepresented, socioeconomically disadvantaged students in schools where more than 50% are eligible for free/reduced-price meals, achieve stronger student attendance and greater attachment to…

FINANCIAL LITERACY AROUND THE WORLD: AN OVERVIEW

PubMed Central

Lusardi, Annamaria; Mitchell, Olivia S.

2017-01-01

In an increasingly risky and globalized marketplace, people must be able to make well-informed financial decisions. Yet new international research demonstrates that financial illiteracy is widespread when financial markets are well developed as in Germany, the Netherlands, Sweden, Japan, Italy, New Zealand, and the United States, or when they are changing rapidly as in Russia. Further, across these countries, we show that the older population believes itself well informed, even though it is actually less well informed than average. Other common patterns are also evident: women are less financially literate than men and are aware of this shortfall. More educated people are more informed, yet education is far from a perfect proxy for literacy. There are also ethnic/racial and regional differences: city-dwellers in Russia are better informed than their rural counterparts, while in the U.S., African Americans and Hispanics are relatively less financially literate than others. Moreover, the more financially knowledgeable are also those most likely to plan for retirement. In fact, answering one additional financial question correctly is associated with a 3–4 percentage point higher chance of planning for retirement in countries as diverse as Germany, the U.S., Japan, and Sweden; in the Netherlands, it boosts planning by 10 percentage points. Finally, using instrumental variables, we show that these estimates probably underestimate the effects of financial literacy on retirement planning. In sum, around the world, financial literacy is critical to retirement security. PMID:28553190

Measuring Financial Literacy: Developing and Testing a Measurement Instrument with a Selected Group of South African Military Officers

ERIC Educational Resources Information Center

Schwella, E.; van Nieuwenhuyzen, Bernard J.

2014-01-01

Are South Africans financially literate, and how can this be measured? Until 2009 there was no South African financial literacy measure and, therefore, the aim was to develop a South African measurement instrument that is scientific, socially acceptable, valid and reliable. To achieve this aim a contextual and conceptual analysis of financial…

Empowering Physicians with Financial Literacy.

PubMed

Bar-Or, Yuval

2015-01-01

Most doctors complete their medical training without sufficient knowledge of business and finance. This leads to inefficient financial decisions, avoidable losses, and unnecessary anxiety. A big part of the problem is that the existing options for gaining financial knowledge are flawed. The ideal solution is to provide a simple framework of financial literacy to all students: one that can be adapted to their specific circumstances. That framework must be delivered by an objective expert to young physicians before they complete medical training.

Developing and Validating the Scale of Economic Self-Efficacy.

PubMed

Hoge, Gretchen L; Stylianou, Amanda M; Hetling, Andrea; Postmus, Judy L

2017-05-01

Experiencing intimate partner violence (IPV) and financial hardship are often intertwined. The dynamics of an abusive relationship may include economic abuse tactics that compromise a survivor's ability to work, pursue education, have access to financial resources, and establish financial skills, knowledge, and security. An increasingly common goal among programs serving IPV survivors is increasing financial empowerment through financial literacy. However, providing financial education alone may not be enough to improve financial behaviors. Psychological factors also play a role when individuals make financial choices. Economic self-efficacy focuses on the individual's perceived ability to perform economic or financial tasks, and may be considered a primary influence on one's ability to improve financial decisions and behaviors. The current study tests the reliability and validity of a Scale of Economic Self-Efficacy with a sample of female survivors of IPV. This study uses a calibration and validation analysis model including full and split-sample exploratory and confirmatory factor analyses, assesses for internal consistency, and examines correlation coefficients between economic self-efficacy, economic self-sufficiency, financial strain, and difficulty living with income. Findings indicate that the 10-item, unidimensional Scale of Economic Self-Efficacy demonstrates strong reliability and validity among this sample of IPV survivors. An ability to understand economic self-efficacy could facilitate individualized service approaches and allow practitioners to better support IPV survivors on their journey toward financial empowerment. Given the increase in programs focused on assets, financial empowerment, and economic well-being, the Scale of Economic Self-Efficacy has potential as a very timely and relevant tool in the design, implementation, and evaluation of such programs, and specifically for programs created for IPV survivors.

Raising household saving: does financial education work?

PubMed

Gale, William G; Harris, Benjamin H; Levine, Ruth

2012-01-01

This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving. Analysis of the research literature suggests that previous financial literacy efforts have yielded mixed results. Evidence suggests that interventions provided for employees in the workplace have helped increase household saving, but estimates of the magnitude of the impact vary widely. For financial education initiatives targeted to other groups, the evidence is much more ambiguous, suggesting a need for more econometrically rigorous evaluations.

Is Financial Literacy a Determinant of Health?

PubMed

Meyer, Melanie

2017-08-01

Changes in economic conditions and healthcare delivery models have shifted more healthcare costs to patients, resulting in greater patient financial responsibilities. As a result, it is important to understand the potential impact of financial literacy on patients' healthcare behavior. With the focus on delivering better health outcomes at lower costs, factors that influence patient behavior are important considerations for healthcare providers. Although researchers have proposed a variety of conceptual models that identify influential factors, those models do not fully address financial literacy and its potential impact patients' healthcare decisions. This article examines existing models of patient healthcare decision-making and current research on factors affecting patient decision-making and behavior and then presents recommendations for closing the identified gap in our current knowledge.

Financial Literacy: Examining the Knowledge Transfer of Personal Finance from High School to College to Adulthood

ERIC Educational Resources Information Center

Yates, Dan; Ward, Chris

2011-01-01

Many states are now requiring high school students to be competent in the areas of economic and financial literacy. This is due to the recent escalation of bankruptcies, large credit card debt, and mortgage foreclosures in our society. This study examines how financial knowledge is transferred from the high school level to the college level and…

Why Does Media Literacy Matter?

ERIC Educational Resources Information Center

Sargant, Naomi

2004-01-01

Media literacy is taking its place in the array of literacies increasingly recognised as necessary for participating actively in democracy or, indeed, in day-to-day life. Financial literacy is another current example. "Literacy" is a term now widely used in relation to adults. The Oxford English Dictionary describes it as a…

Using Online Compound Interest Tools to Improve Financial Literacy

ERIC Educational Resources Information Center

Hubbard, Edward; Matthews, Percival; Samek, Anya

2016-01-01

The widespread use of personal computing presents the opportunity to design educational materials that can be delivered online, potentially addressing low financial literacy. The authors developed and evaluated three different educational tools focusing on interest compounding. In the authors' laboratory experiment, individuals were randomized to…

The Effect of Personality Traits on Households' Financial Literacy

ERIC Educational Resources Information Center

Pinjisakikool, Teerapong

2017-01-01

This article aims at finding the relationship between households' personality traits and their financial literacy level. The data in this research are from the household survey which can represent the population in Dutch. Using the Big Five personality traits and economic locus of control--extraversion, agreeableness, conscientiousness, emotional…

Financial Literacy in Ontario: Neoliberalism, Pierre Bourdieu and the Citizen

ERIC Educational Resources Information Center

Arthur, Chris

2011-01-01

Utilizing concepts from Pierre Bourdieu I argue that the implementation of financial literacy education in Ontario public schools will, if uncontested, support a neoliberal consumer habitus (subjectivity) at the expense of the critical citizen. This internalization of the neoliberal ethos assists state efforts to shift responsibility for…

Teachers' Perceptions of Financial Literacy and the Implications for Professional Learning

ERIC Educational Resources Information Center

Sawatzki, Carly M.; Sullivan, Peter A.

2017-01-01

Consumer, economic and financial literacy education at school is central to active and informed citizenship. Over the past decade, the Australian Securities and Investments Commission has led various policy initiatives and influenced curriculum and resource development in this area. However, there remains a paucity of research exploring how…

Personal Financial Literacy: Shaping Education Policy

ERIC Educational Resources Information Center

Wilhelm, William J.; Chao, Chia-An

2005-01-01

The goals of the Networks Personal Financial Literacy initiative are to advance Indiana K-12 personal finance education for all students before high school graduation and to make the curriculum resources developed through the initiative available to agencies for adult education. It is a collaborative effort among academics, businesses, public…

A Brief Educational Intervention in Personal Finance for Medical Residents

PubMed Central

Chou, Calvin L.

2007-01-01

Introduction Although medical educational debt continues to escalate, residents receive little guidance in financial planning. Aim To educate interns about long-term investment strategies. Setting University-based medicine internship program. Program Description An unselected cohort of interns (n = 52; 84% of all interns) underwent a 90-minute interactive seminar on personal finance, focusing on retirement savings. Participants completed a preseminar investor literacy test to assess baseline financial knowledge. Afterward, interns rated the seminar and expressed their intention to make changes to their long-term retirement accounts. After 37 interns had attended the seminar, a survey was administered to all interns to compare actual changes to these accounts between seminar attendees and nonattendees. Measurements and Main Results Interns’ average score on the investor literacy test was 40%, equal to the general population. Interns strongly agreed that the seminar was valuable (average 5.0 on 5-point Likert scale). Of the 46 respondents to the account allocation survey, interns who had already attended the seminar (n = 25) were more likely than interns who had not yet attended (n = 21) to have switched their investments from low to high-yield accounts at the university hospital (64 vs 19%, P = 0.003) and to enroll in the county hospital retirement plan (64 vs 33%, P = 0.07). Conclusions One 90-minute seminar on personal finances leads to significant changes in allocation of tax-deferred retirement savings. We calculate that these changes can lead to substantial long-term financial benefits and suggest that programs consider automatically enrolling trainees into higher yield retirement plans. PMID:17356971

[Health literacy in Czech population results of the comparative representative research].

PubMed

Kučera, Zdeněk; Pelikan, Jurgen; Šteflová, Alena

Health literacy survey was carried out at the end of 2014 in the context of preparation of implementation strategy of the Program Health 2020 in the Czech Republic. The survey was conducted by the National Institute of Public Health with financial support from the Ministry of Health and the Czech WHO office. Sociological survey replicated comparative research conducted in eight EU countries in the first half of this decade. Representative survey in 1037 respondents in the age over 16 years, selected in all regions of the country. The identical methodology as used in the original study was utilized. Health literacy was measured in the areas of health care, disease prevention and health promotion.We found that 59,4 % of respondents showed limited general health literacy; health literacy in health care is proved to be 49.5 % of the population, in the area of disease prevention it was 54.1 % respondents and in health promotion it was even even 64.3 % of respondents. Compared to the other countries surveyed, Czech Republic occupies the eighth, penultimate place. Health literacy is correlated negatively with age and positively with education. We found a strong social gradient of health literacy which rises with social status. Health literacy quite significantly influences the health status and health behaviors.Key words: health literacy, health behaviour, health promotion, social determinants of health.

Pocket Cartoons: Learning Financial Literacy with Mobile Cartoons in Malaysia

ERIC Educational Resources Information Center

Khoo, Yin Yin; Malim, Tanjung; Fitzgerald, Robert

2017-01-01

This study examines the impact of using cartoons shared through mobile devices to promote awareness and to aid in the development of financial literacy among Economics students in Malaysia. The study also investigates the use of these "mobile cartoons" to develop students' communication skills. The study involved a quasi-experimental…

Accounting Training Module Development to Boost Agriculture Financial Literacy on Palm Farmers

ERIC Educational Resources Information Center

Hasibuan, Henny Triyana; Murwani, Danardana; Widjaja, Sri Umi Mientarti; Witjaksono, Mit

2017-01-01

This research aims to develop agriculture accounting training module in order to increase palm oil farmer financial literacy, in this case farmers in Donomulyo, Malang Regency, Indonesia. The method utilized in model development is Design Based Research using the following progression: problem identification, explanation of goals, design and…

Teaching Students Financial Literacy Using the Internet

ERIC Educational Resources Information Center

Risinger, C. Frederick

2009-01-01

As the author researched the causes and implications of the current economic crisis, he came across numerous commentaries on how financial literacy was seldom taught (or taught well) in U.S. schools. This article, aimed at teachers and supervisors at all grade levels, describes some Internet sites that: (1) explain the collapse of the housing…

Teaching about Personal Finance: The National Standards for Financial Literacy

ERIC Educational Resources Information Center

Hill, Andrew T.; Suiter, Mary C.

2014-01-01

In "Proposed National Standards for Financial Literacy: What's In? What's Out?", Maier, Figart, and Nelson pose the question: "How should educators use the standards?" In answering that question, they suggest a number of issues and topics that they believe should be taught along with the "National Standards for…

Valuing the Implementation of Financial Literacy Education

ERIC Educational Resources Information Center

Davis, Kimberlee; Durband, Dorothy Bagwell

2008-01-01

Placing a monetary value on education is a complex task. A more difficult task is to determine at what monetary level individuals will support educational improvements. The contingent valuation method was used to estimate the value of the implementation of financial literacy education in Texas public schools. A Web-based survey was administered to…

Gender Differences in Financial Literacy among Hong Kong Workers

ERIC Educational Resources Information Center

Yu, Kar-Ming; Wu, Alfred M.; Chan, Wai-Sum; Chou, Kee-Lee

2015-01-01

Using a phone survey conducted in 2012, we examined whether there is a gender difference in financial literacy among Hong Kong workers; and if such a difference exists, whether it can be explained by gender differences in sociodemographic variables, social or psychological factors, and/or the outcomes of retirement planning. Results show a gender…

Other Ways of Being: Challenging Dominant Financial Literacy Discourses in Aboriginal Context

ERIC Educational Resources Information Center

Blue, Levon Ellen; Pinto, Laura Elizabeth

2017-01-01

Financial literacy education (FLE) continues to gain momentum on a global scale. FLE is often described as essential learning for all citizens, despite the bulk of initiatives outside the compulsory school classrooms focussed on educating economically disadvantaged individuals. Informed by Indigenous ways of knowing, being and doing a critical…

Using the U.S. "Test of Financial Literacy" in Germany--Adaptation and Validation

ERIC Educational Resources Information Center

Förster, Manuel; Happ, Roland; Molerov, Dimitar

2017-01-01

In this article, the authors present the adaptation and validation processes conducted to render the American "Test of Financial Literacy" (TFL) suitable for use in Germany (TFL-G). First, they outline the translation procedure followed and the various cultural adjustments made in line with international standards. Next, they present…

Benefits literacy, Bugs Bunny and bridge.

PubMed

Moses, John; Hogg, Barbara

2009-01-01

The human resources world is buzzing about literacy--specifically, financial literacy and health literacy. Yet if employers truly want their employees to take action based on that literacy, then employers must add motivation and process simplification to their benefits equation. This article provides employers with things to keep in mind in order to deliver content that improves employees' benefits literacy, and makes taking desired actions both relevant and easy for employees.

Adult Financial Literacy Education and Latina Learners: A Qualitative Case Study

ERIC Educational Resources Information Center

Sprow, Karin Millard

2010-01-01

This qualitative study used a case study design to explore the teaching and learning that takes place in an adult Latino financial literacy education that was aimed specifically at Latina single mothers. The theoretical framework of the study was informed by a blend of critical and Latina feminist sociocultural adult learning perspectives, as well…

Community-Based Financial Literacy Education in a Cultural Context: A Study of Teacher Beliefs and Pedagogical Practice

ERIC Educational Resources Information Center

Tisdell, Elizabeth J.; Taylor, Edward W.; Forte, Karin Sprow

2013-01-01

This article presents the findings related to teaching beliefs and pedagogical practices of a study that examined how financial literacy educators educate adults from underserved population groups in community-based settings. The study is theoretically framed in the teaching beliefs and culturally responsive education literature. Findings reveal a…

A Fool and His Money Are Soon Parted

ERIC Educational Resources Information Center

Manuel, Kate; Morony, Will

2011-01-01

There is persistent evidence of poor levels of financial literacy in a number of sectors of the Australian community. Young people, in particular, tend to fare badly in studies of financial literacy levels. A recent study commissioned by the Commonwealth Bank Foundation found that 16-25 year-olds constitute 42% of the bottom quartile, and only 4%…

Financial Literacy among Israeli College Students

ERIC Educational Resources Information Center

Shahrabani, Shosh

2013-01-01

In this study, responses of 574 students from two colleges in Israel were used to examine three issues: (a) financial literacy (FL) among Israeli college students, (b) gaps in FL between Jews and Arabs, and (c) factors affecting students' FL. The results showed that Israeli students exhibit a low level of FL and that FL is affected by gender,…

A brief educational intervention in personal finance for medical residents.

PubMed

Dhaliwal, Gurpreet; Chou, Calvin L

2007-03-01

Although medical educational debt continues to escalate, residents receive little guidance in financial planning. To educate interns about long-term investment strategies. University-based medicine internship program. An unselected cohort of interns (n = 52; 84% of all interns) underwent a 90-minute interactive seminar on personal finance, focusing on retirement savings. Participants completed a preseminar investor literacy test to assess baseline financial knowledge. Afterward, interns rated the seminar and expressed their intention to make changes to their long-term retirement accounts. After 37 interns had attended the seminar, a survey was administered to all interns to compare actual changes to these accounts between seminar attendees and non-attendees. Interns' average score on the investor literacy test was 40%, equal to the general population. Interns strongly agreed that the seminar was valuable (average 5.0 on 5-point Likert scale). Of the 46 respondents to the account allocation survey, interns who had already attended the seminar (n = 25) were more likely than interns who had not yet attended (n = 21) to have switched their investments from low to high-yield accounts at the university hospital (64 vs 19%, P = 0.003) and to enroll in the county hospital retirement plan (64 vs 33%, P = 0.07). One 90-minute seminar on personal finances leads to significant changes in allocation of tax-deferred retirement savings. We calculate that these changes can lead to substantial long-term financial benefits and suggest that programs consider automatically enrolling trainees into higher yield retirement plans.

Health literacy in old age: results of a German cross-sectional study.

PubMed

Vogt, Dominique; Schaeffer, Doris; Messer, Melanie; Berens, Eva-Maria; Hurrelmann, Klaus

2017-03-22

Health literacy is especially important for older people to maintain or enhance remaining health resources and self-management skills. The aim of the study was to determine the level of health literacy and the association between health literacy, demographic and socio-economic factors in German older adults aged 65 years and above stratified by age group. Health literacy was assessed via computer-assisted personal interviews using HLS-EU-Q47 on a representative sample of the German-speaking population. Descriptive statistics, bivariate analyses and logistic regression modelling stratified by age group were conducted to assess health literacy of 475 respondents aged 65 years and above. Overall, 66.3% of all respondents aged 65 years and above had limited health literacy. Limited health literacy was especially prevalent among respondents above 76 years of age (80.6%). Limited health literacy was associated with financial deprivation (OR: 3.05; 95% CI: 1.99-4.67) and limited functional health literacy (OR: 2.16; 95% CI: 1.29-3.61). Financial deprivation was strongest predictor for limited health literacy in the total sample and stratified by age group. Limited health literacy is a frequent phenomenon in German adults aged 65 years and above. Research on health literacy in old age and the role in health disparities is urgently needed. © The Author 2017. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

Wise Choices? The Economics Discourse of a High School Economics and Personal Finance Course

ERIC Educational Resources Information Center

Sober, Tamara Leigh

2017-01-01

Today's high school students will face a host of economic problems such as the demise of the social safety net, mounting college student debt, and costly health care plans, as stated in the rationale for financial literacy provided by the Council for Economic Education's National Standards for Financial Literacy. These problems are compounded by…

Financial Literacy and Family Learning in Children's Centres. Financial Literacy in Context

ERIC Educational Resources Information Center

Basic Skills Agency, 2007

2007-01-01

"Pots of Gold" is a family finance research project delivered within Sure Start Children's Centre areas across Newcastle. It is funded by the DfES through the Basic Skills Agency and managed by Newcastle Family Learning Service. This project has been delivered in two phases, running from October 2005 to December 2006. Phase 1 ran from…

Financial Literacy in College Undergraduates Following the 2008-2009 Recession

ERIC Educational Resources Information Center

Lynch, Michael

2016-01-01

In the wake of the deep recession of 2008 and 2009, there has been increased concern over the current level of financial literacy among American citizens. For many, this concern extends to our college students getting ready to enter the real world as they leave college life behind. This study looks at the preparedness of college students to manage…

The Impact of Social and Financial Education on Savings Attitudes and Behavior Among Primary School Children in Uganda.

PubMed

Supanantaroek, Suthinee; Lensink, Robert; Hansen, Nina

2016-09-07

Saving plays a crucial role in the process of economic growth. However, one main reason why poor people often do not save is that they lack financial knowledge. Improving the savings culture of children through financial education is a promising way to develop savings attitudes and behavior early in life. This study is one of the first that examines the effects of social and financial education training and a children's club developed by Aflatoun on savings attitudes and behavior among primary school children in Uganda, besides Berry, Karlan, and Pradhan. A randomized phase in approach was used by randomizing the order in which schools implemented the program (school-level randomization). The treatment group consisted of students in schools where the program was implemented, while in the control group the program was not yet implemented. The program lasted 3 months including 16 hours. We compared posttreatment variables for the treatment and control group. Study participants included 1,746 students, of which 936 students were from 22 schools that were randomly assigned to receive the program between May and July 2011; the remaining 810 students attended 22 schools that did not implement the program during the study period. Indicators for children's savings attitudes and behavior were key outcomes. The intervention increased awareness of money, money recording, and savings attitudes. It also provides some evidence-although less robust-that the intervention increased actual savings. A short financial literacy and social training can improve savings attitudes and behavior of children considerably. © The Author(s) 2016.

77 FR 36491 - Request for Information Regarding Senior Financial Exploitation

Federal Register 2010, 2011, 2012, 2013, 2014

2012-06-19

... Senior Financial Exploitation AGENCY: Bureau of Consumer Financial Protection. ACTION: Request for...'') to facilitate the financial literacy of individuals aged 62 or older (``seniors''), on protection... Monica Jackson at 202-435-7275. For specific questions on senior financial exploitation, please call...

Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy

PubMed Central

Hsu, Joanne W.

2017-01-01

Women tend to be less financially literate than men, consistent with a division of labor where husbands manage finances. However, women tend to outlive their husbands. I find that older women acquire financial literacy as they approach widowhood — 80 percent would catch up with their husbands by the expected onset of widowhood. These gains are not attributable to husbands’ cognitive decline, as captured by cognition tests. The results are consistent with a model in which the division of labor collapses when a spouse dies: women have incentives to delay acquiring financial human capital, but also to begin learning before widowhood. PMID:28148971

Aging and Strategic Learning: The Impact of Spousal Incentives on Financial Literacy.

PubMed

Hsu, Joanne W

2016-01-01

Women tend to be less financially literate than men, consistent with a division of labor where husbands manage finances. However, women tend to outlive their husbands. I find that older women acquire financial literacy as they approach widowhood - 80 percent would catch up with their husbands by the expected onset of widowhood. These gains are not attributable to husbands' cognitive decline, as captured by cognition tests. The results are consistent with a model in which the division of labor collapses when a spouse dies: women have incentives to delay acquiring financial human capital, but also to begin learning before widowhood.

Essential elements of ecological literacy and the pathways to achieve it: Perspectives of ecologists

NASA Astrophysics Data System (ADS)

McBride, Brooke Baldauf

2011-12-01

National assessments have led many to conclude that the level of ecological literacy among the general population in the United States is too low to enable effective social responses to current environmental challenges. However, the actual meaning of ecological literacy varies considerably between academic fields and has been a topic of intensive deliberation for several decades. Within the field of ecology in particular, a driving purpose behind this ongoing discussion has been to advance a complete, pedagogy-guiding, and broadly applicable framework for ecological literacy, allowing for the establishment of guidelines and tools for assessing educational achievement; yet, a widely accepted framework does not currently exist. What is ecological literacy and how can it be achieved? Through an extensive review of the literature, I traced the evolution of the related concepts of environmental literacy, ecological literacy, and ecoliteracy, and compared and contrasted the numerous proposed frameworks across multiple dimensions of affect, knowledge, skills, and behavior. In addition to characterizing the overall discourse, this analysis facilitated close examination of where we have been, where we are, and where we might be headed with respect to these vital conversations. To explore current perspectives on the topic, I analyzed the open-ended responses of more than 1,000 ecologists and other environmental scientists on the nature of ecological literacy and how it may be achieved. Factor analysis revealed the presence of six common dimensions underlying respondents' views of ecological literacy (cycles and webs, ecosystem services, negative human impacts, critical thinking/application, nature of ecological science, and biogeography) and five common dimensions for how to achieve it (education by mass media, formal/traditional education, financial incentive, participatory/interactive education, and communication/outreach by scientists). Based on these results, I proposed a framework for ecological literacy that, ideally, will provide guidance for the development of updated ecology curricula and assessment tools, a foundation for discussion of alignment between K-12 and higher education, and a mechanism for creating greater synergy between formal and informal learning environments. Further, to assess the impacts of innovative graduate programs designed to train ecologists in promoting ecological literacy, I analyzed pre- and post-fellowship surveys completed by participants in an ecologically focused K-12 outreach program at The University of Montana, as well as the broader impacts of a set of similar programs across the country. These highly beneficial programs are urgently needed to ensure that future leaders of the scientific enterprise are well-equipped with the tools to effectively communicate their science with diverse audiences well beyond their scientific peers. Indeed, ecologists and other natural and social scientists who study the environment have multiple roles to play in promoting a modern vision of ecological literacy in society today.

Consumer Finance: Factors Affecting the Financial Literacy of Individuals with Limited English Proficiency. Report to Congressional Committees. GAO-10-518

ERIC Educational Resources Information Center

Cackley, Alicia Puente

2010-01-01

According to Census data, more than 12 million adults in the United States report they do not speak English well or at all. Proficiency in reading, writing, speaking, and understanding the English language appears to be linked to multiple dimensions of adult life in the United States, including financial literacy--the ability to make informed…

75 FR 52596 - Financial Education Core Competencies; Comment Request

Federal Register 2010, 2011, 2012, 2013, 2014

2010-08-26

... DEPARTMENT OF THE TREASURY Financial Education Core Competencies; Comment Request AGENCY..., in its capacity as Chairperson of the Financial Literacy and Education Commission (``Commission''), invites the public to comment on a proposed set of financial education core competencies (``Core...

The Perceptions of Twelfth-Grade Students on Financial Literacy

ERIC Educational Resources Information Center

Harrelson, Joseph Christopher

2010-01-01

The problem of financial illiteracy at the high school level is becoming a growing pandemic in America. The current financial curriculum may not be preparing high school students against reported financial pitfalls. At the study site, high school students graduate without financial skills that may impact their future financial status. The purpose…

Using a Financial Health Model to Provide Context for Financial Literacy Education Research: A Commentary

ERIC Educational Resources Information Center

Huston, Sandra J.

2015-01-01

In the article, "Enhancing links between research and practice to improve consumer financial education and well-being" Billy J. Hensley, Director of Education at National Endowment for Financial Education® (NEFE®), outlines his perspective on the current relation between financial education and financial outcome (downstream financial…

34 CFR 645.11 - What services do all Upward Bound projects provide?

Code of Federal Regulations, 2014 CFR

2014-07-01

... college admission applications; (4)(i) Information on the full range of Federal student financial aid... financial and economic literacy of students or the students' parents, including financial planning for...

34 CFR 645.11 - What services do all Upward Bound projects provide?

Code of Federal Regulations, 2012 CFR

2012-07-01

... college admission applications; (4)(i) Information on the full range of Federal student financial aid... financial and economic literacy of students or the students' parents, including financial planning for...

34 CFR 645.11 - What services do all Upward Bound projects provide?

Code of Federal Regulations, 2013 CFR

2013-07-01

... college admission applications; (4)(i) Information on the full range of Federal student financial aid... financial and economic literacy of students or the students' parents, including financial planning for...

Strategies for Success in Financial Education. PDP 2009-3

ERIC Educational Resources Information Center

Newberger, Robin G.; Paulson, Anna L.

2009-01-01

The Federal Reserve Bank of Chicago will host a conference, Financial Literacy, Financial Education, and the Federal Reserve: Strategies for Success, on September 11, 2009. This article reviews some of the financial education activities throughout the Federal Reserve System. The topics these initiatives cover include financial skill building,…

34 CFR 1100.1 - What is the Literacy Leader Fellowship Program?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false What is the Literacy Leader Fellowship Program? 1100.1... INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM § 1100.1 What is the Literacy Leader Fellowship Program? (a) Under the Literacy Leader Fellowship Program, the Director...

75 FR 5481 - President's Advisory Council on Financial Capability

Federal Register 2010, 2011, 2012, 2013, 2014

2010-02-03

... of the Treasury and the Secretary of Education, who may designate a senior official from each of... research experience related to financial education and financial access. (b) Members of the Council shall... executive departments and agencies (including members of the Financial Literacy and Education Commission...

Literacy Changes Lives 2014: A New Perspective on Health, Employment and Crime

ERIC Educational Resources Information Center

Morrisroe, Joe

2014-01-01

Since 2008, the financial crisis has had a profound social and economic impact on the UK's most vulnerable communities. Literacy influences individual capability in all spheres of life. In times of economic instability, low literacy makes individuals and communities more vulnerable to inequality, increasing the risk of social exclusion and…

What are the determinants of food security among regional and remote Western Australian children?

PubMed

Godrich, Stephanie L; Davies, Christina R; Darby, Jill; Devine, Amanda

2017-01-22

To explore how determinants of food security affect children in regional and remote Western Australia (WA), across food availability, access and utilisation dimensions. The Determinants of Food Security framework guided the thematic analysis (using NVivo 10) of semi-structured interviews with 20 key informants. Food availability factors included availability, price, promotion, quality, location of outlets and variety. Food access factors included social support, financial resources, transport to food outlets, distance to food outlets and mobility. Food utilisation factors included nutrition knowledge and skills, children's food preferences, storage facilities, preparation and cooking facilities and time to purchase food. Key food availability recommendations include increasing local food supply options. Food access recommendations include ensuring equitable formal social support and empowering informal support options. Food utilisation recommendations include prioritising food literacy programs focusing on quick, healthy food preparation and budgeting skills. Implications for public health: Policymakers should invest in local food supply options, equitable social support services and experiential food literacy programs. Practitioners should focus child/parent programs on improving attitude, knowledge and skills. © 2017 Public Health Association of Australia.

Contextual Influences on Financial Behavior: A Proposed Model for Adult Financial Literacy Education

ERIC Educational Resources Information Center

Way, Wendy L.

2014-01-01

This chapter presents an ecological model that highlights the importance of considering multiple contextual influences on behavior as well as other factors that may impact learning when designing research and practice aimed at enhancing financial capability.

Financial and Health Literacy Predict Incident Alzheimer's Disease Dementia and Pathology.

PubMed

Yu, Lei; Wilson, Robert S; Schneider, Julie A; Bennett, David A; Boyle, Patricia A

2017-01-01

Domain specific literacy is a multidimensional construct that requires multiple resources including cognitive and non-cognitive factors. We test the hypothesis that domain specific literacy is associated with Alzheimer's disease (AD) dementia and AD pathology after controlling for cognition. Participants were community-based older persons who completed a baseline literacy assessment, underwent annual clinical evaluations for up to 8 years, and agreed to organ donation after death. Financial and health literacy was measured using 32 questions and cognition was measured using 19 tests. Annual diagnosis of AD dementia followed standard criteria. AD pathology was examined postmortem by quantifying plaques and tangles. Cox models examined the association of literacy with incident AD dementia. Performance of model prediction for incident AD dementia was assessed using indices for integrated discrimination improvement and continuous net reclassification improvement. Linear regression models examined the independent association of literacy with AD pathology in autopsied participants. All 805 participants were free of dementia at baseline and 102 (12.7%) developed AD dementia during the follow-up. Lower literacy was associated with higher risk for incident AD dementia (p < 0.001), and the association persisted after controlling for cognition (hazard ratio = 1.50, p = 0.004). The model including the literacy measure had better predictive performance than the one with demographics and cognition only. Lower literacy also was associated with higher burden of AD pathology after controlling for cognition (β= 0.07, p = 0.035). Literacy predicts incident AD dementia and AD pathology in community-dwelling older persons, and the association is independent of traditional measures of cognition.

Financial and health literacy predict incident AD dementia and AD pathology

PubMed Central

Yu, Lei; Wilson, Robert S.; Schneider, Julie A.; Bennett, David A.; Boyle, Patricia A.

2017-01-01

Background Domain specific literacy is a multidimensional construct that requires multiple resources including cognitive and non-cognitive factors. Objective We test the hypothesis that domain specific literacy is associated with AD dementia and AD pathology after controlling for cognition. Methods Participants were community based older persons who completed a baseline literacy assessment, underwent annual clinical evaluations for up to 8 years and agreed to organ donation after death. Financial and health literacy was measured using 32 questions and cognition was measured using 19 tests. Annual diagnosis of AD dementia followed standard criteria. AD pathology was examined post-mortem by quantifying plaques and tangles. Cox models examined the association of literacy with incident AD dementia. Performance of model prediction for incident AD dementia was assessed using indices for integrated discrimination improvement and continuous net reclassification improvement. Linear regression models examined the independent association of literacy with AD pathology in autopsied participants. Results All 805 participants were free of dementia at baseline and 102 (12.7%) developed AD dementia during the follow-up. Lower literacy was associated with higher risk for incident AD dementia (p<0.001), and the association persisted after controlling for cognition (Hazard Ratio=1.50, p=0.004). The model including the literacy measure had better predictive performance than the one with demographics and cognition only. Lower literacy also was associated with higher burden of AD pathology after controlling for cognition (β=0.07, p=0.035). Conclusion Literacy predicts incident AD dementia and AD pathology in community-dwelling older persons, and the association is independent of traditional measures of cognition. PMID:28157101

Loan Performance among Low-Income Households: Does Prior Parental Teaching of Money Management Matter?

ERIC Educational Resources Information Center

Grinstein-Weiss, Michal; Spader, Jonathan S.; Yeo, Yeong Hun; Key, Clinton C.; Freeze, Elizabeth Books

2012-01-01

Financial literacy and financial education play a central role in asset accumulation, shaping individuals' attitudes, behaviors, and decisions in ways that, ultimately, affect their financial and social well-being. The acquisition of financial skills begins with parental teaching and role modeling, which provides children with their first exposure…

Veterinary School Applicants: Financial Literacy and Behaviors.

PubMed

Carr, McKensie M; Greenhill, Lisa M

2015-01-01

Each year the Association of American Veterinary Medical Colleges (AAVMC) conducts a survey after the close of the Veterinary Medical College Application Service (VMCAS) application. The survey provides a glimpse into applicant behavior surrounding the veterinary school application process. Additional survey questions probe into applicant financial behaviors, use of financial products and services, and pet ownership. This article examines the 2013 survey data from applicants who successfully completed the application, with a focus on applicant financial literacy and behaviors. Data from the study revealed a disconnect between applicants' perception of their ability to deal with day-to-day finances and their actual financial behaviors, particularly for first-generation college student applicants and applicants who are racially/ethnically underrepresented in veterinary medicine (URVM). Many applicants were not able to accurately report the average veterinary school graduate's student debt level, which suggests the potential need for better education about the costs associated with attending veterinary school.

The influence of gender and product design on farmers' preferences for weather-indexed crop insurance.

PubMed

Akter, Sonia; Krupnik, Timothy J; Rossi, Frederick; Khanam, Fahmida

2016-05-01

Theoretically, weather-index insurance is an effective risk reduction option for small-scale farmers in low income countries. Renewed policy and donor emphasis on bridging gender gaps in development also emphasizes the potential social safety net benefits that weather-index insurance could bring to women farmers who are disproportionately vulnerable to climate change risk and have low adaptive capacity. To date, no quantitative studies have experimentally explored weather-index insurance preferences through a gender lens, and little information exists regarding gender-specific preferences for (and constraints to) smallholder investment in agricultural weather-index insurance. This study responds to this gap, and advances the understanding of preference heterogeneity for weather-index insurance by analysing data collected from 433 male and female farmers living on a climate change vulnerable coastal island in Bangladesh, where an increasing number of farmers are adopting maize as a potentially remunerative, but high-risk cash crop. We implemented a choice experiment designed to investigate farmers' valuations for, and trade-offs among, the key attributes of a hypothetical maize crop weather-index insurance program that offered different options for bundling insurance with financial saving mechanisms. Our results reveal significant insurance aversion among female farmers, irrespective of the attributes of the insurance scheme. Heterogeneity in insurance choices could however not be explained by differences in men's and women's risk and time preferences, or agency in making agriculturally related decisions. Rather, gendered differences in farmers' level of trust in insurance institutions and financial literacy were the key factors driving the heterogeneous preferences observed between men and women. Efforts to fulfill gender equity mandates in climate-smart agricultural development programs that rely on weather-index insurance as a risk-abatement tool are therefore likely to require a strengthening of institutional credibility, while coupling such interventions with financial literacy programs for female farmers.

The influence of gender and product design on farmers’ preferences for weather-indexed crop insurance

PubMed Central

Akter, Sonia; Krupnik, Timothy J.; Rossi, Frederick; Khanam, Fahmida

2016-01-01

Theoretically, weather-index insurance is an effective risk reduction option for small-scale farmers in low income countries. Renewed policy and donor emphasis on bridging gender gaps in development also emphasizes the potential social safety net benefits that weather-index insurance could bring to women farmers who are disproportionately vulnerable to climate change risk and have low adaptive capacity. To date, no quantitative studies have experimentally explored weather-index insurance preferences through a gender lens, and little information exists regarding gender-specific preferences for (and constraints to) smallholder investment in agricultural weather-index insurance. This study responds to this gap, and advances the understanding of preference heterogeneity for weather-index insurance by analysing data collected from 433 male and female farmers living on a climate change vulnerable coastal island in Bangladesh, where an increasing number of farmers are adopting maize as a potentially remunerative, but high-risk cash crop. We implemented a choice experiment designed to investigate farmers’ valuations for, and trade-offs among, the key attributes of a hypothetical maize crop weather-index insurance program that offered different options for bundling insurance with financial saving mechanisms. Our results reveal significant insurance aversion among female farmers, irrespective of the attributes of the insurance scheme. Heterogeneity in insurance choices could however not be explained by differences in men’s and women’s risk and time preferences, or agency in making agriculturally related decisions. Rather, gendered differences in farmers’ level of trust in insurance institutions and financial literacy were the key factors driving the heterogeneous preferences observed between men and women. Efforts to fulfill gender equity mandates in climate-smart agricultural development programs that rely on weather-index insurance as a risk-abatement tool are therefore likely to require a strengthening of institutional credibility, while coupling such interventions with financial literacy programs for female farmers. PMID:27212804

28 CFR 544.71 - Exceptions to required literacy program participation.

Code of Federal Regulations, 2010 CFR

2010-07-01

... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Exceptions to required literacy program... INSTITUTIONAL MANAGEMENT EDUCATION Literacy Program § 544.71 Exceptions to required literacy program participation. (a) The following inmates are not required to attend the literacy program: (1) Pretrial inmates...

34 CFR 646.4 - What activities and services does a project provide?

Code of Federal Regulations, 2013 CFR

2013-07-01

... postsecondary course selection. (3)(i) Information on both the full range of Federal student financial aid... the financial and economic literacy of students, including financial planning for postsecondary... counselors. (2) Information, activities, and instruction designed to acquaint students participating in the...

34 CFR 646.4 - What activities and services does a project provide?

Code of Federal Regulations, 2014 CFR

2014-07-01

... postsecondary course selection. (3)(i) Information on both the full range of Federal student financial aid... the financial and economic literacy of students, including financial planning for postsecondary... counselors. (2) Information, activities, and instruction designed to acquaint students participating in the...

34 CFR 646.4 - What activities and services does a project provide?

Code of Federal Regulations, 2012 CFR

2012-07-01

... postsecondary course selection. (3)(i) Information on both the full range of Federal student financial aid... the financial and economic literacy of students, including financial planning for postsecondary... counselors. (2) Information, activities, and instruction designed to acquaint students participating in the...

34 CFR 472.1 - What is the National Workplace Literacy Program?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false What is the National Workplace Literacy Program? 472.1... VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION NATIONAL WORKPLACE LITERACY PROGRAM General § 472.1 What is the National Workplace Literacy Program? The National Workplace Literacy Program provides...

Family Literacy Programs: The Whole Is More Than the Sum of Its Parts.

ERIC Educational Resources Information Center

Fagan, William T.

Family literacy programs, of which there is no shortage, need to be examined to know "if" and "why" a program is successful. Family literacy programs, like any literacy programs, must be viewed from a critical reflective stance. This paper aims to describe one way of evaluating the effectiveness of family literacy programs. The…

Lessons in financial literacy task design: authentic, imaginable, useful

NASA Astrophysics Data System (ADS)

Sawatzki, Carly

2017-03-01

As part of ongoing design-based research exploring financial literacy teaching and learning, 10 tasks termed "financial dilemmas" were trialled by 14 teachers and more than 300 year 5 and 6 students in four government primary schools in urban Darwin. Drawing on data related to three tasks— Catching the bus, Laser Tag and Buying bread—this article explores insights into problem context and task design principles. The findings highlight that fit to circumstance, challenge yet accessibility and pedagogical architecture are important task design principles. Further, tasks involving unfamiliar, novel and imaginable problem contexts, while pedagogically demanding for teachers, can be considered useful by students and have the potential to broaden their horizons.

Disturbingly Weak: The Current State of Financial Management Education in Library and Information Science Curricula

ERIC Educational Resources Information Center

Burger, Robert H.; Kaufman, Paula T.; Atkinson, Amy L.

2015-01-01

Financial management skills are necessary for responsible library management. In light of the profession's current emphasis on financial literacy, the authors posed four questions: (1) to what extent are library and information science schools providing courses in financial management for their graduates; (2) what is the quality and quantity of…

The Impact of Financial Literacy Education on Subsequent Financial Behavior

ERIC Educational Resources Information Center

Mandell, Lewis; Klein, Linda Schmid

2009-01-01

This study examined the differential impact on 79 high school students of a personal financial management course completed 1 to 4 years earlier. This study used a matched sample design based on a school system's records to identify students who had and had not taken a course in personal financial management. The findings indicated that those who…

Teaching Financial Literacy across the Generations

ERIC Educational Resources Information Center

Jokela, Becky Hagen; Hendrickson, Lori; Haynes, Barbara

2013-01-01

This article describes a tool developed by educators of the University of Minnesota Extension and University of Wisconsin Cooperative Extension to assist professionals as they plan financial education for participants. In today's changing economy, financial education is essential throughout one's life cycle. By understanding learner…

Identifying Problems Affecting Adult Literacy Training Programs in the Cento Region; Report of the CENTO Seminar on Illiteracy Held in the National Museum, Tehran, Nov. 16-21, 1963.

ERIC Educational Resources Information Center

Luebke, Paul T., Ed.

This volume is the report of the proceedings of a seminar on adult education held in Tehran, Iran. The twelve papers included discuss such topics as adult literacy programs in Iran, literacy in Turkey, adult literacy problems and programs of Pakistan, the purpose of literacy training, defining literacy, planning literacy training programs,…

Annuity choices and income drawdown: evidence from the decumulation phase of defined contribution pensions in England.

PubMed

Banks, James; Crawford, Rowena; Tetlow, Gemma

2015-10-01

We provide new empirical evidence on the importance of defined contribution pension wealth in England, and the nature of annuitization decisions taken by older adults who retire with such sources of wealth. Other things equal, financial literacy, and numeracy in particular, are important factors governing individuals' choices over whether to shop around for an annuity as opposed to taking the 'path of least resistance' option and purchasing from their original pension fund provider. This has important policy and welfare implications given that buying an annuity on the open market has significant financial benefits for most people. In the context of the increasing reliance on private provision for retirement, the importance of individuals having the financial literacy to successfully navigate complex financial decisions late in life should not be underestimated.

Family Literacy Programs: Who Benefits?

ERIC Educational Resources Information Center

Padak, Nancy; Rasinski, Tim

Designing and delivering literacy programs that benefit both parents (or other family members) and children makes sense. But do family literacy programs really work? And if so, who benefits? The concept of family literacy is firmly rooted in a substantial research base from several disciplines, including adult literacy, emergent literacy, child…

Exemplary Practice in Manitoba. Models of Quality in Literacy Programming.

ERIC Educational Resources Information Center

Manitoba Dept. of Education and Training, Winnipeg. Literacy and Continuing Education Branch.

This document profiles seven exemplary literacy programs in Manitoba, Canada: the Open Doors program in Winnipeg (a community-based program conducted in a school setting); the Brandon Friendship Centre literacy program (a community-based program conducted in a friendship center in rural Manitoba); the Flin Flon Friendship Centre literacy program…

Financial Literacy Makes Dollars and Sense for Student Loan Borrowers and Lenders

ERIC Educational Resources Information Center

Wilke, Alisa

2013-01-01

"American Student Assistance" has a unique window onto students during some very important milestones in their formative financial years. This nonprofit interacts with students from the time they're choosing a college, to applying for financial aid and loans, to starting a first job, getting that first apartment, making that dreaded…

Old Money: Financial Understanding for Older Adult Learners.

ERIC Educational Resources Information Center

Carlton, Shiela; Soulsby, Jim; Whitelegg, Di

This document discusses policy and practice addressing the need for financial literacy education for older people in the United Kingdom. The discussion is based largely on the findings of survey and focus groups that were conducted to identify the difficulties older people encounter in dealing with different financial services and managing their…

3 CFR 8493 - Proclamation 8493 of April 2, 2010. National Financial Literacy Month, 2010

Code of Federal Regulations, 2011 CFR

2011-01-01

... complex. This has left too many Americans behind, unable to build a secure financial future for themselves... never happens again will require new rules to protect consumers and better information to empower them. The new Consumer Financial Protection Agency I have proposed will ensure ordinary Americans get clear...

Defining Workplace Literacy Education in Massachusetts. A Survey of Workplace Literacy Education Programs in Massachusetts, Conducted in September and October 1989.

ERIC Educational Resources Information Center

Rosen, David J.; Kale, Cerci

A survey of 42 Massachusetts workplace literacy programs was conducted in fall 1989 to determine whether the programs generally fit a standard definition of workplace literacy derived from "A Guide to Developing Instruction for Workforce Literacy Programs" by Jorie W. Philippi. The study's seven-item questionnaire included the definition…

The Use of a Structured Literacy Program To Facilitate the Inclusion of Marginal and Special Education Students into Regular Classes.

ERIC Educational Resources Information Center

Center, Yola; Freeman, Louella

This research review examined the use of a whole class early literacy program in classes which included disadvantaged and at-risk children in Australia. The program, Schoolwide Early Language and Literacy (SWELL), is based on an interactive compensatory theory of literacy acquisition adapted from Success for All, a U.S. early literacy program. The…

Effect of Financial Stress and Positive Financial Behaviors on Cost-Related Nonadherence to Health Regimens Among Adults in a Community-Based Setting.

PubMed

Patel, Minal R; Kruger, Daniel J; Cupal, Suzanne; Zimmerman, Marc A

2016-04-07

Little is known about the role of positive financial behaviors (behaviors that allow maintenance of financial stability with financial resources) in mitigating cost-related nonadherence (CRN) to health regimens. This study examined the relationships between positive financial behaviors, financial stress, and CRN. Data came from the 2011 Speak to Your Health! Community Survey (n = 1,234). Descriptive statistics were computed to examine financial stress and CRN, by chronic condition and health insurance status. We used multivariate logistic regression models to examine the relationship between positive financial behaviors and financial stress and their interaction on a composite score of CRN, controlling for health insurance status, educational level, age, marital status, number of chronic conditions, and employment status. Thirty percent of the sample engaged in CRN. Participants reported moderate financial stress (mean, 13.85; standard deviation [SD] = 6.97), and moderate positive financial behavior (mean, 8.84; SD = 3.24). Participants with employer-sponsored insurance, Medicaid, Medicare, the Genesee Health Plan, high blood pressure, asthma, and diabetes had the highest proportion of CRN. The relationship between financial stress and CRN was not significantly different between those who reported lower versus higher levels of positive financial behavior (P = .32). Greater financial stress was associated with a greater likelihood of CRN (odds ratio [OR] = 2.49; 95% confidence interval [CI], 2.08-2.99). Higher level of positive financial behavior was associated with a lower likelihood of CRN (OR = 0.80; 95% CI, 0.67-0.94). Financial literacy as a means of promoting positive financial behavior may help reduce CRN. An intervention strategy focused on improving financial literacy may be relevant for high-risk groups who report high levels of financial stress.

Web-Based Media Literacy to Prevent Tobacco Use among High School Students

ERIC Educational Resources Information Center

Phelps-Tschang, Jane S.; Miller, Elizabeth; Rice, Kristen; Primack, Brian A.

2015-01-01

Facilitator-led smoking media literacy (SML) programs have improved media literacy and reduced intention to smoke. However, these programs face limitations including high costs and barriers to standardization. We examined the efficacy of a Web-based media literacy program in improving smoking media literacy skills among adolescents. Sixty-six 9th…

The Language of Literacy: A National Resource Directory of Aboriginal Literacy Programs.

ERIC Educational Resources Information Center

Sabourin, Beverly; Globensky, Peter Andre

This directory presents, in narrative form, core information about the operations of approximately 100 Aboriginal literacy programs throughout Canada. To qualify for inclusion in the directory, each program had to offer basic, functional, or advanced literacy training; offer literacy training in English, French, or an Aboriginal language; be…

Taking Ownership of the Future: The National Strategy for Financial Literacy, 2006

ERIC Educational Resources Information Center

US Financial Literacy and Education Commission, 2006

2006-01-01

Today's increasingly complex financial services market offers consumers a vast array of products, services, and providers to choose from to meet their financial needs. While this degree of choice provides consumers with a great number of options, it also requires that they be equipped with the information, knowledge, and skills to evaluate their…

The Integration of Personal Financial Knowledge into Multi-Disciplines: The First Step of Reinforcement

ERIC Educational Resources Information Center

Yates, Dan; Ward, Chris

2014-01-01

This study represents an extension of longitudinal studies regarding personal financial literacy. Graduating college students must have a financial plan in place as they enter the workforce along with a "game plan" on how to attack their college debt. A college personal finance course can help each student develop their personalized…

Learning while Earning: Worksite Literacy Programs. Foresight: Model Programs for Economic Development.

ERIC Educational Resources Information Center

Rosenfeld, Stuart A.; And Others

This paper describes four successful and innovative workplace-based literacy programs in the South. The first is a joint program for city municipal workers between the U.S. Naval Air Station in Memphis, Tennessee and the Memphis Literacy Coalition (Project Literacy-Memphis, Inc.). The second is a program at North Carolina State University in…

National Center for Family Literacy, 1994.

ERIC Educational Resources Information Center

NCFL Newsletter, 1994

1994-01-01

These four newsletter issues provide information on family literacy and literacy education programs. Each 16-page issue includes several feature articles; descriptions of literacy conferences and seminars; updates on the National Family Literacy Project; descriptions of successful family literacy programs; coming events; a list of National Center…

An observational study of emergency department utilization among enrollees of Minnesota Health Care Programs: financial and non-financial barriers have different associations.

PubMed

Shippee, Nathan D; Shippee, Tetyana P; Hess, Erik P; Beebe, Timothy J

2014-02-08

Emergency department (ED) use is costly, and especially frequent among publicly insured populations in the US, who also disproportionately encounter financial (cost/coverage-related) and non-financial/practical barriers to care. The present study examines the distinct associations financial and non-financial barriers to care have with patterns of ED use among a publicly insured population. This observational study uses linked administrative-survey data for enrollees of Minnesota Health Care Programs to examine patterns in ED use-specifically, enrollee self-report of the ED as usual source of care, and past-year count of 0, 1, or 2+ ED visits from administrative data. Main independent variables included a count of seven enrollee-reported financial concerns about healthcare costs and coverage, and a count of seven enrollee-reported non-financial, practical barriers to access (e.g., limited office hours, problems with childcare). Covariates included health, health care, and demographic measures. In multivariate regression models, only financial concerns were positively associated with reporting ED as usual source of care, but only non-financial barriers were significantly associated with greater ED visits. Regression-adjusted values indicated notable differences in ED visits by number of non-financial barriers: zero non-financial barriers meant an adjusted 78% chance of having zero ED visits (95% C.I.: 70.5%-85.5%), 15.9% chance of 1(95% C.I.: 10.4%-21.3%), and 6.2% chance (95% C.I.: 3.5%-8.8%) of 2+ visits, whereas having all seven non-financial barriers meant a 48.2% adjusted chance of zero visits (95% C.I.: 30.9%-65.6%), 31.8% chance of 1 visit (95% C.I.: 24.2%-39.5%), and 20% chance (95% C.I.: 8.4%-31.6%) of 2+ visits. Financial barriers were associated with identifying the ED as one's usual source of care but non-financial barriers were associated with actual ED visits. Outreach/literacy efforts may help reduce reliance on/perception of ED as usual source of care, whereas improved targeting/availability of covered services may help curb frequent actual visits, among publicly insured individuals.

Organizing a Literacy Program for Older Adults. Literacy Education for the Elderly Project.

ERIC Educational Resources Information Center

Jacobs, Bella; Ventura-Merkel, Catherine

This guide describes a model for a community-based literacy program for older adults that uses older adults as tutors. Guidelines are provided to program sponsors for implementing literacy education for older adults. Chapter I provides an overview of the problem of illiterate older adults and literacy education for them. Chapter II addresses the…

Family Literacy Programs: Who Benefits?

ERIC Educational Resources Information Center

Padak, Nancy; Rasinski, Tim

The concept of family literacy is firmly rooted in a substantial research base from several disciplines, including adult literacy, emergent literacy, child development, and systems analysis. Results from a review of research from each discipline found answers to questions about benefits of family literacy. Results show family literacy programs do…

Literacy and Learning

ERIC Educational Resources Information Center

McKenna, Greg; Penner, Audrey J.

2013-01-01

This study evaluates the influence of literacy on outcomes in college programs with defined course requirements. This overcomes the limitations of previous research by contextualizing literacy according to program requirements. Results suggest (a) learner literacy varies considerably among programs, (b) there are socio-demographic variables…

Integrating Literacy and Workplace Skills for Worker Advancement. Worker Education Program Final Report, May 1, 1992 - March 31, 1994.

ERIC Educational Resources Information Center

Boyter-Escalona, Margaret

Final evaluation of the Workplace Education Program, funded by the National Workplace Literacy Program to provide workplace literacy education programs to 425 members of Chicago (Illinois) area clothing and textile workers union members, is presented. The program's goal was to enhance workers' basic literacy skills for present job stabilization…

Beyond silence: protocol for a randomized parallel-group trial comparing two approaches to workplace mental health education for healthcare employees.

PubMed

Moll, Sandra; Patten, Scott Burton; Stuart, Heather; Kirsh, Bonnie; MacDermid, Joy Christine

2015-04-16

Mental illness is a significant and growing problem in Canadian healthcare organizations, leading to tremendous personal, social and financial costs for individuals, their colleagues, their employers and their patients. Early and appropriate intervention is needed, but unfortunately, few workers get the help that they need in a timely way due to barriers related to poor mental health literacy, stigma, and inadequate access to mental health services. Workplace education and training is one promising approach to early identification and support for workers who are struggling. Little is known, however, about what approach is most effective, particularly in the context of healthcare work. The purpose of this study is to compare the impact of a customized, contact-based education approach with standard mental health literacy training on the mental health knowledge, stigmatized beliefs and help-seeking/help-outreach behaviors of healthcare employees. A multi-centre, randomized, two-group parallel group trial design will be adopted. Two hundred healthcare employees will be randomly assigned to one of two educational interventions: Beyond Silence, a peer-led program customized to the healthcare workplace, and Mental Health First Aid, a standardized literacy based training program. Pre, post and 3-month follow-up surveys will track changes in knowledge (mental health literacy), attitudes towards mental illness, and help-seeking/help-outreach behavior. An intent-to-treat, repeated measures analysis will be conducted to compare changes in the two groups over time in terms of the primary outcome of behavior change. Linear regression modeling will be used to explore the extent to which knowledge, and attitudes predict behavior change. Qualitative interviews with participants and leaders will also be conducted to examine process and implementation of the programs. This is one of the first experimental studies to compare outcomes of standard mental health literacy training to an intervention with an added anti-stigma component (using best-practices of contact-based education). Study findings will inform recommendations for designing workplace mental health education to promote early intervention for employees with mental health issues in the context of healthcare work. May 2014 - ClinicalTrials.gov: NCT02158871.

Teaching Business and Economic Journalism: Fresh Approaches

ERIC Educational Resources Information Center

Weber, Joseph

2016-01-01

Teachers of business and economic journalism are developing creative approaches to attracting students and educating them in a field many find daunting. To recruit, some avoid using the terms "business" or "economic" in course titles, preferring "financial basics" and "financial literacy." Many use novel…

Adult Literacy Learning and Computer Technology: Features of Effective Computer-Assisted Learning Systems.

ERIC Educational Resources Information Center

Fahy, Patrick J.

Computer-assisted learning (CAL) can be used for adults functioning at any academic or grade level. In adult basic education (ABE), CAL can promote greater learning effectiveness and faster progress, concurrent learning and experience with computer literacy skills, privacy, and motivation. Adults who face barriers (financial, geographic, personal,…

Tackling Student Literacy and Numeracy Underpreparedness in Ontario Colleges: Access, Quality and Funding

ERIC Educational Resources Information Center

Dziwak, Kasia

2014-01-01

As more students enter postsecondary education without the numeracy and literacy skills necessary for success, Ontario colleges are facing a challenge. While enrolment-based funding drives the colleges to seek growth to ensure financial stability, the quality assurance mechanism leads them to divert millions of dollars from their operating budgets…

Piloting a Savings-Led Microfinance Intervention with Women Engaging in Sex Work in Mongolia: Further Innovation for HIV Risk Reduction

PubMed Central

Tsai, Laura Cordisco; Witte, Susan S.; Aira, Toivgoo; Altantsetseg, Batsukh; Riedel, Marion

2014-01-01

This paper describes a pilot study testing the feasibility of an innovative savings-led microfinance intervention in increasing the economic empowerment and reducing the sexual risk behavior of women engaging in sex work in Mongolia. Women’s economic vulnerability may increase their risk for HIV by compromising their ability to negotiate safer sex with partners and heightening the likelihood they will exchange sex for survival. Microfinance has been considered a potentially powerful structural HIV prevention strategy with women conducting sex work, as diversification of income sources may increase women’s capacity to negotiate safer transactional sex. With 50% of all reported female HIV cases in Mongolia detected among women engaging in sex work, direct prevention intervention with women conducting sex work represents an opportunity to prevent a potentially rapid increase in HIV infection in urban Mongolia. The piloted intervention consisted of a matched savings program in which matched savings could be used for business development or vocational education, combined with financial literacy and business development training for women engaging in sex work. Results of the pilot demonstrate participants’ increased confidence in their ability to manage finances, greater hope for pursuing vocational goals, moderate knowledge gains regarding financial literacy, and an initial transition from sex work to alternative income generation for five out of nine participants. The pilot findings highlight the potential for such an intervention and the need for a clinical trial testing the efficacy of savings-led microfinance programs in reducing HIV risk for women engaging in sex work in Mongolia. PMID:24900163

Piloting a Savings-Led Microfinance Intervention with Women Engaging in Sex Work in Mongolia: Further Innovation for HIV Risk Reduction.

PubMed

Tsai, Laura Cordisco; Witte, Susan S; Aira, Toivgoo; Altantsetseg, Batsukh; Riedel, Marion

2011-12-30

This paper describes a pilot study testing the feasibility of an innovative savings-led microfinance intervention in increasing the economic empowerment and reducing the sexual risk behavior of women engaging in sex work in Mongolia. Women's economic vulnerability may increase their risk for HIV by compromising their ability to negotiate safer sex with partners and heightening the likelihood they will exchange sex for survival. Microfinance has been considered a potentially powerful structural HIV prevention strategy with women conducting sex work, as diversification of income sources may increase women's capacity to negotiate safer transactional sex. With 50% of all reported female HIV cases in Mongolia detected among women engaging in sex work, direct prevention intervention with women conducting sex work represents an opportunity to prevent a potentially rapid increase in HIV infection in urban Mongolia. The piloted intervention consisted of a matched savings program in which matched savings could be used for business development or vocational education, combined with financial literacy and business development training for women engaging in sex work. Results of the pilot demonstrate participants' increased confidence in their ability to manage finances, greater hope for pursuing vocational goals, moderate knowledge gains regarding financial literacy, and an initial transition from sex work to alternative income generation for five out of nine participants. The pilot findings highlight the potential for such an intervention and the need for a clinical trial testing the efficacy of savings-led microfinance programs in reducing HIV risk for women engaging in sex work in Mongolia.

Do Workplace Literacy Programs Promote High Skills or Low Wages? Suggestions for Future Evaluations of Workplace Literacy Programs.

ERIC Educational Resources Information Center

Sarmiento, Tony

Workplace literacy programs can support the path toward either low wages or high skills. Instead of the "high skill" path, most U.S. companies follow the "low wage" path. Depending on who is involved, which program goals are selected, and what planning process is followed, a workplace literacy program can maintain outdated workplaces or foster…

Evaluation of an Australian health literacy training program for socially disadvantaged adults attending basic education classes: study protocol for a cluster randomised controlled trial.

PubMed

McCaffery, Kirsten J; Morony, Suzanne; Muscat, Danielle M; Smith, Sian K; Shepherd, Heather L; Dhillon, Haryana M; Hayen, Andrew; Luxford, Karen; Meshreky, Wedyan; Comings, John; Nutbeam, Don

2016-05-27

People with low literacy and low health literacy have poorer health outcomes. Literacy and health literacy are distinct but overlapping constructs that impact wellbeing. Interventions that target both could improve health outcomes. This is a cluster randomised controlled trial with a qualitative component. Participants are 300 adults enrolled in basic language, literacy and numeracy programs at adult education colleges across New South Wales, Australia. Each adult education institute (regional administrative centre) contributes (at least) two classes matched for student demographics, which may be at the same or different campuses. Classes (clusters) are randomly allocated to receive either the health literacy intervention (an 18-week program with health knowledge and skills embedded in language, literacy, and numeracy training (LLN)), or the standard Language Literacy and Numeracy (LLN) program (usual LLN classes, specifically excluding health content). The primary outcome is functional health literacy skills - knowing how to use a thermometer, and read and interpret food and medicine labels. The secondary outcomes are self-reported confidence, more advanced health literacy skills; shared decision making skills, patient activation, health knowledge and self-reported health behaviour. Data is collected at baseline, and immediately and 6 months post intervention. A sample of participating teachers, students, and community health workers will be interviewed in-depth about their experiences with the program to better understand implementation issues and to strengthen the potential for scaling up the program. Outcomes will provide evidence regarding real-world implementation of a health literacy training program with health worker involvement in an Australian adult education setting. The evaluation trial will provide insight into translating and scaling up health literacy education for vulnerable populations with low literacy. Australian New Zealand Clinical Trials Registry ACTRN12616000213448 .

Basics of Saving and Investing: A Teaching Guide. Financial Literacy Two Thousand and One.

ERIC Educational Resources Information Center

Eastern Michigan Univ., Ypsilanti. National Inst. for Consumer Education.

This teaching guide contains learning objectives that focus on the following: how to design a personal financial plan; how financial markets work; how to select among various saving and investment options; how to find out and use investment information; and how to recognize and protect oneself against investment fraud. The guide can be the…

76 FR 72623 - Literacy Program

Federal Register 2010, 2011, 2012, 2013, 2014

2011-11-25

... INFORMATION: This document finalizes the Bureau's Literacy Program regulations, published as an interim rule... DEPARTMENT OF JUSTICE Bureau of Prisons 28 CFR Part 544 [BOP-1036-F] RIN 1120-AA33 Literacy... Bureau's Literacy Program regulations, published as an interim rule on September 26, 1997 (62 FR 50791...

Exploring the Literacy Practices of Refugee Families Enrolled in a Book Distribution Program and an Intergenerational Family Literacy Program

ERIC Educational Resources Information Center

Singh, Sunita; Sylvia, Monica R.; Ridzi, Frank

2015-01-01

This ethnographic study presents findings of the literacy practices of Burmese refugee families and their interaction with a book distribution program paired with an intergenerational family literacy program. The project was organized at the level of Bronfenbrenner's exosystem (in "Ecology of human development". Cambridge, Harvard…

The Envirothon and its effects on students' environmental literacy

NASA Astrophysics Data System (ADS)

Weiser, Brenda Gayle

During the past thirty years, significant progress has been made in defining environmental education and its goals, and operationally by the emerging concept of environmental literacy. Environmental literacy includes affective, behavioral, and cognitive components. Roth (1992) includes environmental sensitivity, knowledge, skills, attitudes and values, personal investment and responsibility, and active involvement as components of environmental literacy. In addition, Simmons (1995) identifies affect, ecological knowledge, socio-political knowledge, knowledge of environmental issues, skills, environmentally responsible behaviors, and additional determinants of environmentally responsible behaviors as components of environmental literacy. Environmental education is the primary vehicle for promoting environmental literacy. Most K through 12 environmental education is delivered in non-formal programs outside traditional curriculum and instruction and is exemplified by the National Envirothon program. Student teams compete to demonstrate their knowledge and understanding of ecological principles in aquatics, forestry, soils, wildlife, and a selected environmental issue. Each year over 75,000 high school students participate in the Envirothon. The purpose of the study was to identify the effects of Envirothon participation on its high school students from 17 out of 43 states with Envirothon programs. One hundred forty eight students completed the Wisconsin Environmental Literacy Assessment Instrument; (Peri, 1996), to assess their environmental literacy status. Data were analyzed using an analysis of covariance where the pretest was the covariate. The results indicated the participation in the Envirothon program does make a statistically significant difference between the environmental literacy of those high school students who have participated in the Envirothon program and the environmental literacy of those high school students who have not participated in the Envirothon program in the cognitive component of environmental literacy but does not in the affective and behavioral components of environmental literacy. Results also indicated there was not a statistically significant difference between the environmental literacy of those high school students who have participated in one or more Envirothon competitions and the environmental literacy of those high school students who have participated in less than one Envirothon competition in regard to the cognitive, affective, or behavior components of environmental literacy. The implication is participating in the Envirothon program does make a difference in the environmental literacy of those high school students participating in the Envirothon program in the cognitive component of environmental literacy but participating in the Envirothon program does not increase the environmental literacy of those high school students participating in the Envirothon program in the affective or behavioral components of environmental literacy. This information is important to teachers, advisors, state and national Envirothon committee members, and sponsors relating to the international goals, objectives and key points, study materials, and training methodology as each is used to expand and strengthen Envirothon programs. Furthermore, many fenders are interested in the program and how it is affecting the students. Recommendations for further research include conducting a meta-analysis using this research and the research conducted by Meredith (1996), longitudinal studies, and case studies utilizing past Envirothon students. Documentation through news articles and interviews could assist in assessing the Envirothon program's impact on students. This would not evaluate the student's environmental literacy, but would provide information on how the Envirothon program influences students' life choices.

Financial Well-being in Active Ageing.

PubMed

Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

2014-01-01

In developed countries, economic and financial well-being is playing a crucial positive role in ageing and inclusion processes. Due to the complexity and pervasiveness of financial economy in the real life, more and more social as well as individual well-being are perceived as influenced by financial conditions. On the other hand, the demographic circumstances drive scholars as well as politicians to reflect on ageing dynamics. Bridging the two domains, the following research focuses on the role of the financial well-being as a mediating role of general well-being in elder people. The assumption is that elderly people have specific financial needs that sometimes are not covered by financial providers' offers. The motivation is mainly on the role of information asymmetries between elder consumers and financial institutions. On the dynamics of these asymmetries, the research will specifically investigate the role of financial literacy, as the ability of comprehension of elder people of their needs and of financial information. The applicative implication of this research work consists in finding the determinants of financial well-being for elders and the definition of their specific financial competencies, in order to 1) identify educational and regulatory guidelines for policy makers in charge of creating financial market transparency conditions, and to 2) support design of organizational mechanisms as well as financial product/services for this specific target of client. The following chapter presents preliminary explorative results of a survey delivered on 200 elder individuals (65-80 yrs.) leaving in Milan. Findings show that active elders consider the ability of managing personal wealth as one of the core determinant of well-being, although the economic and financial literacy is limited. Furthermore, the chapter proposes a research agenda for scholars interested in exploring the relationship between financial well-being and ageing.

Literacy in the Southern Sudan: A Case Study of Variables Affecting Literacy Programs.

ERIC Educational Resources Information Center

Cowan, J. Ronayne

1983-01-01

Describes the Local Languages Literacy Project in the Southern Sudan; delineates the most important educational, socioeconomic, and linguistic variables affecting the success of large-scale literacy programs in Africa; and questions the widely held assumption that indigenous language literacy is essential to subsequent literacy in the prestige…

Library Literacy Programs for English Language Learners. ERIC Digest.

ERIC Educational Resources Information Center

McMurrer, Eileen; Terrill, Lynda

This digest summarizes the history of public libraries and library literacy programs; describes current delivery models; and discusses initiatives in library literacy, profiling one successful public library program that serves adult English language learners and their families. (Adjunct ERIC Clearinghouse for ESL Literacy Education) (Author/VWL)

Affective Aspects of Adult Literacy Programs: A Look at the Types of Support Systems, Teacher Behavior and Materials That Characterize Effective Literacy Programs.

ERIC Educational Resources Information Center

Phillips, Kathleen J.; And Others

To determine the effect of attention to affective needs on the success of adult literacy programs, researchers analyzed data from 400 programs nominated by advisors to the National Adult Literacy Project (NALP), and selected a sample of 15 for the field research. The sample programs included three military, three prison, three English as a second…

Models of Excellence: A Review of Ohio's Award-Winning Workplace Literacy Programs. 1996 Supplement.

ERIC Educational Resources Information Center

Baechlin, Dan; Proper, Len

This document profiles Ohio's seven award-winning workplace literacy programs. The workplace literacy programs described are offered by a mix of urban and rural firms which employ between 85 and 2,323 individuals in a variety of sectors. The workplace literacy programs offered by the following firms are described: Cleveland Track Material; L.J.…

Teaming up for Literacy: Examining Participants' Contributions to a Collaborative Family-Based Program

ERIC Educational Resources Information Center

Kumar, Tracey

2016-01-01

This study of participants' contributions to a university-based family literacy program was informed by both "funds of knowledge" (Moll, 1992) and "multiple literacies" (Auerbach, 1995). The study examined participants' contributions to the design, implementation, and evaluation of a university-based family literacy program. In…

Depression literacy and health-seeking attitudes in the Western Pacific region: a mixed-methods study.

PubMed

Ho, Grace W K; Bressington, D; Leung, S F; Lam, K K C; Leung, A Y M; Molassiotis, A; Ligot, J; Ranoco, C; Sophal, C; Valimaki, M

2018-06-02

Depression literacy refers to the ability to recognize depression and make informed decisions about its treatment. To date, relatively little research has been done to examine depression literacy in the Western Pacific region. Given the pervasiveness of depression and the need to enhance mental health care in this region, it is important to gain a better understanding of depression literacy and health-seeking behaviors in this part of the world. This mixed-methods study utilized a convergent parallel design to examine depression literacy and the associated health-seeking attitudes among urban adults from three countries-Cambodia, Philippines, and Fiji. A total of 455 adults completed a quantitative survey on depression knowledge, attitudes, and professional help seeking. Separately, 56 interviewees from 6 focus groups provided qualitative data on their impression and knowledge of depression and mental illness within the context of their local communities. Overall, results showed that depression knowledge was comparatively lower in this region. Controlling for differences across countries, higher knowledge was significantly associated with more positive attitudes towards mental illness (B = - 0.28, p = 0.025) and professional help seeking (B = 0.20, p < 0.001). Financial stability, such as employment, was also a salient factor for help seeking. This study was the first to provide a baseline understanding on depression literacy and highlights the need to increase public knowledge on depression in the Western Pacific. Culturally congruent recommendations on enhancing depression literacy in this region, such as anti-stigma campaigns, use of financial incentives, and family-based approach in health education, are discussed.

28 CFR 544.73 - Program participation.

Code of Federal Regulations, 2010 CFR

2010-07-01

... EDUCATION Literacy Program § 544.73 Program participation. (a) The Warden or designee shall assign to an education staff member the responsibility to coordinate the institution's literacy program. Initially, staff shall meet with the inmate for the purpose of enrolling the inmate in the literacy program. Subsequently...

Library outreach: overcoming health literacy challenges*

PubMed Central

Parker, Ruth; Kreps, Gary L.

2005-01-01

Objective: This paper examines the powerful influences of consumer health literacy on access to and use of relevant health information. Method: The paper describes how widespread problems with health literacy significantly limit effective dissemination of relevant health information in society, especially to many vulnerable populations where health literacy challenges are especially pervasive. Results: The paper examines strengths and weaknesses of different programs for addressing health literacy problems, including educational programs, message design programs, and strategic communication training and intervention programs. Implications: The paper evaluates strategies that can be implemented throughout the modern health care system to address problems of health literacy by improving health information access, processing, and understanding. It concludes by examining several strategies that libraries can adopt to overcome many health literacy challenges. PMID:16239962

Beyond Traditional Literacy Instruction: Toward an Account-Based Literacy Training Curriculum in Libraries

ERIC Educational Resources Information Center

Cirella, David

2012-01-01

A diverse group, account-based services include a wide variety of sites commonly used by patrons, including online shopping sites, social networks, photo- and video-sharing sites, banking and financial sites, government services, and cloud-based storage. Whether or not a piece of information is obtainable online must be considered when creating…

Higher Education and Financial Literacy--A New Paradigm

ERIC Educational Resources Information Center

Hayes, Dianne

2012-01-01

The harsh reality of debt among college-aged students is a growing problem. According to the Center for Economic and Entrepreneurial Literacy, 54 percent of college student respondents had overdrawn their bank account and 81 percent underestimated the time it would take to pay off a credit card balance by a large margin. In a climate where even…

76 FR 82041 - Open Meeting of the President's Advisory Council on Financial Capability

Federal Register 2010, 2011, 2012, 2013, 2014

2011-12-29

... Council is composed of two ex officio Federal officials and 13 non-governmental members appointed by the... States join other Organization for Economic Cooperation and Development countries in administering the 2012 Programme for International Student Assessment financial literacy assessment, and identify funding...

34 CFR 643.4 - What services does a project provide?

Code of Federal Regulations, 2014 CFR

2014-07-01

... completing college admission applications. (4)(i) Information on the full range of Federal student financial... education or counseling services designed to improve the financial and economic literacy of the participants... career counseling or activities. (3) Information and activities designed to acquaint youth with the range...

34 CFR 643.4 - What services does a project provide?

Code of Federal Regulations, 2012 CFR

2012-07-01

... completing college admission applications. (4)(i) Information on the full range of Federal student financial... education or counseling services designed to improve the financial and economic literacy of the participants... career counseling or activities. (3) Information and activities designed to acquaint youth with the range...

34 CFR 643.4 - What services does a project provide?

Code of Federal Regulations, 2013 CFR

2013-07-01

... completing college admission applications. (4)(i) Information on the full range of Federal student financial... education or counseling services designed to improve the financial and economic literacy of the participants... career counseling or activities. (3) Information and activities designed to acquaint youth with the range...

34 CFR 464.1 - What is the State Literacy Resource Centers Program?

Code of Federal Regulations, 2010 CFR

2010-07-01

... purpose of sharing information, data, research, and expertise and literacy resources. (Authority: 20 U.S.C... 34 Education 3 2010-07-01 2010-07-01 false What is the State Literacy Resource Centers Program...) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION STATE LITERACY RESOURCE CENTERS PROGRAM...

Family Literacy Packs: Preservice Teachers' Experiences with Family-School Connections

ERIC Educational Resources Information Center

Wilson, D. Reece

2017-01-01

Programs that promote family literacy, as defined by Hannon (2003), are "programs to teach literacy that acknowledge and make use of learners' family relationships and engagement in family literacy practices." Why are such programs important for young learners? According to Livingston and Wirt (2003), children who have homes with books,…

Adult Basic Education and Health Literacy: Program Efforts and Perceived Student Needs

ERIC Educational Resources Information Center

Mackert, Michael; Poag, Meg

2011-01-01

Objective: This project examined health literacy efforts among adult basic education providers in Central Texas. Methods: A survey was conducted with all adult literacy providers in Central Texas (N = 58). Results: Most programs provide health-related information. Literacy programs see needs for helping students communicate with doctors, filling…

Family Literacy Programs: Where Have They Come from and Where Are They Going?

ERIC Educational Resources Information Center

Doyle, Antoinette

2012-01-01

Family literacy programs in North America and the United Kingdom have enjoyed widespread public and political support. Thousands of initiatives following a variety of models currently operate under the spectrum of family literacy programs. In this paper, the influence of learning theories, the research on children's early literacy development, and…

34 CFR 464.1 - What is the State Literacy Resource Centers Program?

Code of Federal Regulations, 2011 CFR

2011-07-01

... purpose of sharing information, data, research, and expertise and literacy resources. (Authority: 20 U.S.C... 34 Education 3 2011-07-01 2011-07-01 false What is the State Literacy Resource Centers Program...) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION STATE LITERACY RESOURCE CENTERS PROGRAM...

34 CFR 464.1 - What is the State Literacy Resource Centers Program?

Code of Federal Regulations, 2012 CFR

2012-07-01

... purpose of sharing information, data, research, and expertise and literacy resources. (Authority: 20 U.S.C... 34 Education 3 2012-07-01 2012-07-01 false What is the State Literacy Resource Centers Program...) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION STATE LITERACY RESOURCE CENTERS PROGRAM...

34 CFR 464.1 - What is the State Literacy Resource Centers Program?

Code of Federal Regulations, 2013 CFR

2013-07-01

... purpose of sharing information, data, research, and expertise and literacy resources. (Authority: 20 U.S.C... 34 Education 3 2013-07-01 2013-07-01 false What is the State Literacy Resource Centers Program...) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION STATE LITERACY RESOURCE CENTERS PROGRAM...

34 CFR 464.1 - What is the State Literacy Resource Centers Program?

Code of Federal Regulations, 2014 CFR

2014-07-01

... purpose of sharing information, data, research, and expertise and literacy resources. (Authority: 20 U.S.C... 34 Education 3 2014-07-01 2014-07-01 false What is the State Literacy Resource Centers Program...) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION STATE LITERACY RESOURCE CENTERS PROGRAM...

Literacy Assessment in the Service of Literacy Policy.

ERIC Educational Resources Information Center

Venezky, Richard L.

Literacy policy has often developed independently of other social and employment programs. As a consequence, literacy tends to become an end unto itself, and assessment is directed more toward academic, archival ends than toward policy evaluation. Many justifications given for large-scale literacy programs are not based upon empirical data.…

Media Literacy, News Literacy, or News Appreciation? A Case Study of the News Literacy Program at Stony Brook University

ERIC Educational Resources Information Center

Fleming, Jennifer

2014-01-01

This case study provides practical and theoretical insights into the Stony Brook news literacy program, which is one of the most ambitious and well-funded curricular experiments in modern journalism education and media literacy. Analysis of document, interview, and observation data indicates that news literacy educators sought to teach students…

A High School Level Course On Robot Design And Construction

NASA Astrophysics Data System (ADS)

Sadler, Paul M.; Crandall, Jack L.

1984-02-01

The Robotics Design and Construction Class at Sehome High School was developed to offer gifted and/or highly motivated students an in-depth introduction to a modern engineering topic. The course includes instruction in basic electronics, digital and radio electronics, construction skills, robotics literacy, construction of the HERO 1 Heathkit Robot, computer/ robot programming, and voice synthesis. A key element which leads to the success of the course is the involvement of various community assets including manpower and financial assistance. The instructors included a physics/electronics teacher, a computer science teacher, two retired engineers, and an electronics technician.

Learning Strategies for Post-Literacy and Continuing Education in China, India, Indonesia, Nepal, Thailand and Vietnam. Outcomes of an International Research Project. UIE Studies on Post-Literacy and Continuing Education 4.

ERIC Educational Resources Information Center

Dave, R. H., Ed.; And Others

Many countries have recently launched massive programs to promote nation-wide adult literacy, but while these efforts have been commendable, it has been observed that neo-literates who acquire literacy through such programs have great difficulty in retaining it; hence an urgent need to develop suitable programs of post-literacy and continuing…

Decline in Literacy and Incident AD Dementia Among Community-Dwelling Older Persons.

PubMed

Yu, Lei; Wilson, Robert S; Han, S Duke; Leurgans, Sue; Bennett, David A; Boyle, Patricia A

2017-06-01

To quantify longitudinal change in financial and health literacy and examine the associations of declining literacy with incident Alzheimer's disease (AD) dementia and mild cognitive impairment (MCI). Data came from 799 participants of an ongoing cohort study. Literacy was measured using a battery of 32 questions. Clinical diagnoses were made annually following uniform structured procedures. The associations of declining literacy with incident AD dementia and MCI were tested using a joint model for longitudinal and time-to-event data. We observed an overall decline in total literacy score over up to 6 years of follow-up ( p < .001). Faster decline in literacy was associated with higher risks for incident AD dementia (hazard ratio = 4.526, 95% confidence interval = [2.993, 6.843], p < .001) and incident MCI (hazard ratio = 2.971, 95% confidence interval = [1.509, 5.849], p = .002). Declining literacy among community-dwelling older persons predicts adverse cognitive outcomes and serves as an early indicator of impending dementia.

Workplace Literacy: From Survival to Empowerment and Human Development.

ERIC Educational Resources Information Center

Rhoder, Carol A.; French, Joyce N.

1994-01-01

Describes an effective literacy program in two hospitals, which benefited both the employer and employee by empowering participants to solve problems, think critically and creatively, and make decisions. Discusses criteria for effective workplace literacy programs, the program's framework, and program evaluation. (RS)

Incorporating health literacy in education for socially disadvantaged adults: an Australian feasibility study.

PubMed

Muscat, Danielle M; Smith, Sian; Dhillon, Haryana M; Morony, Suzanne; Davis, Esther L; Luxford, Karen; Shepherd, Heather L; Hayen, Andrew; Comings, John; Nutbeam, Don; McCaffery, Kirsten

2016-06-04

Adult education institutions have been identified as potential settings to improve health literacy and address the health inequalities that stem from limited health literacy. However, few health literacy interventions have been tested in this setting. Feasibility study for an RCT of the UK Skilled for Health Program adapted for implementation in Australian adult education settings. Implementation at two sites with mixed methods evaluation to examine feasibility, test for change in participants' health literacy and pilot test health literacy measures. Twenty-two socially disadvantaged adults with low literacy participated in the program and received 80-90 hours of health literacy instruction. The program received institutional support from Australia's largest provider of vocational education and training and was feasible to implement (100 % participation; >90 % completion; high teacher satisfaction). Quantitative results showed improvements in participants' health literacy skills and confidence, with no change on a generic measure of health literacy. Qualitative analysis identified positive student and teacher engagement with course content and self-reported improvements in health knowledge, attitudes, and communication with healthcare professionals. Positive feasibility results support a larger RCT of the health literacy program. However, there is a need to identify better, multi-dimensional measures of health literacy in order to be able to quantify change in a larger trial. This feasibility study represents the first step in providing the high quality evidence needed to understand the way in which health literacy can be improved and health inequalities reduced through Australian adult education programs.

The influence of newborn early literacy intervention programs in three canadian provinces.

PubMed

Letourneau, Nicole; Whitty, Pam; Watson, Barry; Phillips, Jennifer; Joschko, Justin; Gillis, Doris

2015-01-01

Low levels of literacy in early childhood can have lasting effects on children's educational and intellectual development. Many countries have implemented newborn literacy programs designed to teach parents pre-literacy promoting activities to share with their children. We conducted 2 quasi-experimental studies using 1) a pre-test/post-test design and 2) a non-equivalent control group design to examine the effect of newborn literacy programs on parents' self-reported literacy intentions/behaviors, values toward literacy, and parent-child interactions. Parents were recruited from 3 provinces, 2 with newborn literacy programs (intervention) and 1 without (control). Parents in the intervention group completed prenatal and postnatal (after participation in program) questionnaires. Parents in the control group completed 1 questionnaire. Questionnaires were designed to capture parents' literacy intentions (prenatal), behaviors (postnatal), values, and parent-child interactions (postnatal). A total of 98 parents were included in study one and 174 were included in study two. Parents' self-reported prenatal intentions and values were higher than their postnatal behaviors and values. Parents in the intervention group exhibited higher literacy behaviors and values and greater enjoyment reading to their children than parents in the control group, though they also reported reading to their children less frequently. Parents in the intervention group had significantly higher Positive Interactive scores than controls. Overall, we found participation in newborn literacy programs positively impacted parenting behaviors and attitudes. Lower postnatal within-group scores (intentions and values versus behaviors and values) may have been the result of participants' high expectations. Given our findings, we recommend that these programs continue.

Money management, mental health, and psychiatric disability: a recovery-oriented model for improving financial skills.

PubMed

Elbogen, Eric B; Tiegreen, Joshua; Vaughan, Colleen; Bradford, Daniel W

2011-01-01

Although money management skills are essential for independent functioning in the community, when viewed from the framework of psychosocial rehabilitation, there have been few systematic models for teaching money management skills to consumers with psychiatric disabilities based on a recovery orientation. For those diagnosed with psychiatric disabilities, better money management has consistently been shown to be associated with superior quality of life, fewer hospitalizations, and greater self-efficacy. Consumers frequently indicate that learning how to budget and staying out of debt are among their top goals for recovery with mental illness. The current paper reviews the issues of money management and mental health among people with psychiatric disabilities and proposes a recovery-oriented approach to increasing money management skills to increase community functioning among consumers. Published literature, clinical cases, and financial literacy resources. Improving money management can lead to a number of benefits by helping consumers with psychiatric disabilities: 1) gain more knowledge about disability benefits, 2) improve basic financial skills, and 3) reduce vulnerability to financial exploitation. Future work on incorporating this model into psychiatric rehabilitation programs would address skills consumers can use in living, working, and social environments in a way that enhances consumer choice and promotes recovery.

Popular Ideas, Attitudes, and Value Patterns Affecting Participation in Adult Literacy Programs in Slum Communities of Turkey: The Case of Nato Yolu Neighborhood

ERIC Educational Resources Information Center

Yildiz, Ahmet

2008-01-01

Despite the fact that there are nationwide literacy programs in Turkey in order to raise the literacy rate, the participation of illiterate individuals in these programs is not at a satisfactory level. This article is a study into the popular ideas, attitudes, and value patterns that negatively affect participation in literacy programs in a slum…

The Effect of a Literature-Based Program Integrated into Literacy and Science Instruction on Achievement, Use, and Attitudes toward Literacy and Science. Reading Research Report No. 37.

ERIC Educational Resources Information Center

Morrow, Lesley Mandel; And Others

A study determined the impact of integrating literacy and science programs on literacy achievement, use of literature, and attitude toward reading and science. Six third-grade classes (128 students) of ethnically diverse children were assigned to one control and two experimental groups (literature/science program and literature only program).…

Financial Literacy at Minority-Serving Institutions

ERIC Educational Resources Information Center

Looney, Shannon M.

2011-01-01

Mounting student debt to cover rising college costs is creating a challenging environment for a number of students pursuing a college degree. For many, a college degree is an avenue to financial success and long-term stability. Most college graduates experience more stable employment, higher income, security through assets, and an overall better…

A Multi-University Economic Capability-Building Collaboration

ERIC Educational Resources Information Center

Horwitz, Shelley; Briar-Lawson, Katharine

2017-01-01

To prepare students to work competently with financially at-risk individuals, families, and communities, social work schools need to bring economic literacy skills into the curriculum. This article describes an ambitious financial capability education initiative in New York City. It reports on a unique collaborative effort to develop, use, and…

Building an Adult Workplace Literacy Program for Spanish-Speaking Carpenters

ERIC Educational Resources Information Center

Case, Rod E.; Ainsworth, John; Emerson, Rick

2004-01-01

This article provides a field-based account of how to develop and implement an adult workplace literacy program for English as a Second Language (ESL) students based upon the principles of a social practices definition of literacy. The purpose of the program is to provide basic literacy instruction for the growing population of Spanish-speaking…

Results of the 1990 Survey of Literacy Service Providers, State of New Mexico.

ERIC Educational Resources Information Center

Stowell, Penelope, Ed.

The New Mexico Coalition for Literacy conducted a statewide literacy survey in May and June, 1990. Of 78 questionnaires distributed to programs believed to offer some adult literacy service, 34 responses were received, including those from 6 adult basic education programs, 1 adult education program on a reservation, 21 community-based and/or…

Building Vibrant Learning Communities: Framework and Actions to Strengthen Community Adult Learning Councils and Community Literacy Programs

ERIC Educational Resources Information Center

Alberta Advanced Education and Technology, 2007

2007-01-01

Because of the important role played by community learning providers, Premier Ed Stelmach asked Canadian Minister of Advanced Education and Technology to increase support for community education and literacy programs. Community Adult Learning Councils and other community providers of adult literacy and family literacy programming are primarily…

The influence of maternal health literacy and child's age on participation in social welfare programs.

PubMed

Pati, Susmita; Siewert, Elizabeth; Wong, Angie T; Bhatt, Suraj K; Calixte, Rose E; Cnaan, Avital

2014-07-01

The objective of this study is to determine the influence of maternal health literacy and child's age on participation in social welfare programs benefiting children. In a longitudinal prospective cohort study of 560 Medicaid-eligible mother-infant dyads recruited in Philadelphia, maternal health literacy was assessed using the test of functional health literacy in adults (short version). Participation in social welfare programs [Temporary Assistance to Needy Families (TANF), Supplemental Nutrition Assistance Program (SNAP), Special Supplemental Nutrition Program for Women, Infants, and Children (WIC), child care subsidy, and public housing] was self-reported at child's birth, and at the 6, 12, 18, 24 month follow-up interviews. Generalized estimating equations quantified the strength of maternal health literacy as an estimator of program participation. The mothers were primarily African-Americans (83%), single (87%), with multiple children (62%). Nearly 24% of the mothers had inadequate or marginal health literacy. Children whose mothers had inadequate health literacy were less likely to receive child care subsidy (adjusted OR = 0.54, 95% CI 0.34-0.85) than children whose mothers had adequate health literacy. Health literacy was not a significant predictor for TANF, SNAP, WIC or housing assistance. The predicted probability for participation in all programs decreased from birth to 24 months. Most notably, predicted WIC participation declined rapidly after age one. During the first 24 months, mothers with inadequate health literacy could benefit from simplified or facilitated child care subsidy application processes. Targeted outreach and enrollment efforts conducted by social welfare programs need to take into account the changing needs of families as children age.

Real-World Literacy Activity in Pre-School

ERIC Educational Resources Information Center

Anderson, Jim; Purcell-Gates, Victoria; Lenters, Kimberly; McTavish, Marianne

2012-01-01

In this article, we share real-world literacy activities that we designed and implemented in two early literacy classes for preschoolers from two inner-city neighbourhoods that were part of an intergenerational family literacy program, Literacy for Life (LFL). The program was informed by research that shows that young children in high literate…

Beyond Decoding: Literacy and Libraries.

ERIC Educational Resources Information Center

Bookmark, 1992

1992-01-01

This issue contains 21 articles discussing library-sponsored literacy programs, tutoring and programming techniques, and state and national efforts. The articles include: (1) "Beyond Decoding: Literacy and Libraries--Introduction" (Amy Spaulding); (2) "Libraries: Natural Centers for Literacy" (Jacqueline Cook); (3) "Kids…

Adult Literacy: Industry-Based Training Programs. Research and Development Series No. 265C.

ERIC Educational Resources Information Center

Fields, Ernest L.; And Others

Nine industry-based adult literacy programs across the country were studied to identify exemplary training programs and practices that business and industry trainers, planners, and policymakers and individuals in the public education sector alike could replicate in designing adult literacy programs. Training programs offered by the following…

Financial Literacy Skills of Students in Urban and Rural High Schools

ERIC Educational Resources Information Center

Valentine, Gregory P.; Khayum, Mohammed

2005-01-01

The purpose of this study was to determine the affect of various demographic and economic socialization factors on the results of a personal finance literacy quiz administered to rural and urban high school students in Indiana. Urban students had an average score of 50% on the quiz and rural students had a an average score of 51%. Planning to…

Functional Adult Literacy: An Alternative Gateway to Grassroots Women's Improved Income Generation in Lango Subregion, Northern Uganda

ERIC Educational Resources Information Center

Akello, Judith Abal; Lutwama-Rukundo, Evelyn; Musiimenta, Peace

2017-01-01

This article presents findings of study on women's experiences of Functional Adult Literacy (FAL) as a gateway to their financial progress and welfare in Lango region, Northern Uganda. The qualitative study of 45 participants aimed at examining women's live changes resulting from using their acquired FAL knowledge and skills to participate in…

Adult Literacy Education: Program Evaluation and Learner Assessment. Information Series No. 338.

ERIC Educational Resources Information Center

Lytle, Susan L.; Wolfe, Marcie

Adult literacy programs need reliable information about program quality and effectiveness for accountability, improvement of practice, and expansion of knowledge. Evaluation and assessment reflect fundamental beliefs about adult learners, concepts of literacy, and educational settings. Resources for planning program evaluations include surveys,…

Influence of maternal health literacy on child participation in social welfare programs: the Philadelphia experience.

PubMed

Pati, Susmita; Mohamad, Zeinab; Cnaan, Avital; Kavanagh, Jane; Shea, Judy A

2010-09-01

We examined the influence of maternal health literacy on child participation in social welfare programs. In this cohort, 20% of the mothers had inadequate or marginal health literacy. Initially, more than 50% of the families participated in Temporary Assistance for Needy Families (TANF), the Food Stamp Program, and Special Supplemental Nutrition Program for Women, Infants, and Children, whereas fewer than 15% received child care subsidies or public housing. In multivariate regression, TANF participation was more than twice as common among children whose mothers had adequate health literacy compared with children whose mothers had inadequate health literacy.

The Impact of Structural Barriers and Facilitators on Early Childhood Literacy Programs in Elementary Charter Schools

ERIC Educational Resources Information Center

Ross, Denise; Pinder, Glen; Coles-White, D'Jaris

2015-01-01

Elementary charter schools increasingly serve students who are at-risk for reading challenges, giving them a critical role in establishing literacy for young children. This article examines the complexities of starting early childhood literacy programs in charter schools. Specifically, the first year of K-3 literacy programs in a new and a…

Family Literacy Funding Reductions and Work-First Welfare Policies: Adaptations and Consequences in Family Literacy Programs

ERIC Educational Resources Information Center

Prins, Esther; Gungor, Ramazan

2011-01-01

This article examines the consequences of two concurrent policy changes for family literacy programs in Pennsylvania: (1) the transition from federal (Even Start) to state funding and (2) the elimination of adult education as a work activity for welfare recipients over 22 years of age. Using qualitative data from 10 family literacy programs, the…

An observational study of emergency department utilization among enrollees of Minnesota Health Care Programs: financial and non-financial barriers have different associations

PubMed Central

2014-01-01

Background Emergency department (ED) use is costly, and especially frequent among publicly insured populations in the US, who also disproportionately encounter financial (cost/coverage-related) and non-financial/practical barriers to care. The present study examines the distinct associations financial and non-financial barriers to care have with patterns of ED use among a publicly insured population. Methods This observational study uses linked administrative-survey data for enrollees of Minnesota Health Care Programs to examine patterns in ED use—specifically, enrollee self-report of the ED as usual source of care, and past-year count of 0, 1, or 2+ ED visits from administrative data. Main independent variables included a count of seven enrollee-reported financial concerns about healthcare costs and coverage, and a count of seven enrollee-reported non-financial, practical barriers to access (e.g., limited office hours, problems with childcare). Covariates included health, health care, and demographic measures. Results In multivariate regression models, only financial concerns were positively associated with reporting ED as usual source of care, but only non-financial barriers were significantly associated with greater ED visits. Regression-adjusted values indicated notable differences in ED visits by number of non-financial barriers: zero non-financial barriers meant an adjusted 78% chance of having zero ED visits (95% C.I.: 70.5%-85.5%), 15.9% chance of 1(95% C.I.: 10.4%-21.3%), and 6.2% chance (95% C.I.: 3.5%-8.8%) of 2+ visits, whereas having all seven non-financial barriers meant a 48.2% adjusted chance of zero visits (95% C.I.: 30.9%-65.6%), 31.8% chance of 1 visit (95% C.I.: 24.2%-39.5%), and 20% chance (95% C.I.: 8.4%-31.6%) of 2+ visits. Conclusions Financial barriers were associated with identifying the ED as one’s usual source of care but non-financial barriers were associated with actual ED visits. Outreach/literacy efforts may help reduce reliance on/perception of ED as usual source of care, whereas improved targeting/availability of covered services may help curb frequent actual visits, among publicly insured individuals. PMID:24507761

Lessons Learned about Workplace Literacy from Military Job-Specific Reading Programs.

ERIC Educational Resources Information Center

Philippi, Jorie W.

For almost half a century the United States military services have incorporated formal literacy programs into job training for those enlistees who are less than fully qualified. Over the years, several successful job-specific reading programs have evolved. In 1975, the Army began the Functional Literacy (FLIT) Program, a program based on a…

The influence of maternal health literacy and child’s age on participation in social welfare programs

PubMed Central

Pati, Susmita; Siewert, Elizabeth; Wong, Angie T.; Bhatt, Suraj K.; Calixte, Rose E.; Cnaan, Avital

2013-01-01

Objective To determine the influence of maternal health literacy and child’s age on participation in social welfare programs benefiting children. Methods In a longitudinal prospective cohort study of 560 Medicaid-eligible mother-infant dyads recruited in Philadelphia, maternal health literacy was assessed using the Test of Functional Health Literacy in Adults (short version). Participation in social welfare programs (Temporary Assistance to Needy Families [TANF], Supplemental Nutrition Assistance Program [SNAP], Special Supplemental Nutrition Program for Women, Infants, and Children [WIC], child care subsidy, and public housing) was self-reported at child’s birth, and at the 6, 12, 18, 24 month follow-up interviews. Generalized estimating equations quantified the strength of maternal health literacy as an estimator of program participation. Results The mothers were primarily African-Americans (83%), single (87%), with multiple children (62%). Nearly 24% of the mothers had inadequate or marginal health literacy. Children whose mothers had inadequate health literacy were less likely to receive child care subsidy (adjusted OR= 0.54, 95% CI: 0.34–0.85) than children whose mothers had adequate health literacy. Health literacy was not a significant predictor for TANF, SNAP, WIC or housing assistance. The predicted probability for participation in all programs decreased from birth to 24 months. Most notably, predicted WIC participation declined rapidly after age one. Conclusions During the first 24 months, mothers with inadequate health literacy could benefit from simplified or facilitated child care subsidy application processes. Targeted outreach and enrollment efforts conducted by social welfare programs need to take into account the changing needs of families as children age. PMID:23990157

Mitigating Consumptive Behavior: The Analysis of Learning Experiences of Housewives

ERIC Educational Resources Information Center

Suparti

2016-01-01

The purpose of this study is to investigate the determinant of consumptive behavior by analyzing learning experiences of housewives as members of Family Welfare Movement (PKK) in Malang, East Java Indonesia. Financial literacy is defined as personal knowledge and capability in financial management. Sample of this study was 123 housewives and…

Personal Finance Education: An Early Start to a Secure Future

ERIC Educational Resources Information Center

Herman, Michele; Maniam, Balasundram

2007-01-01

The lack of mandated personal finance curriculum in American schools is an issue that has gained considerable momentum in recent years. Studies have indicated that personal finance education contributes to financial literacy and financial success. Although some strides have been made to incorporate personal finance education into core curriculum,…

Private Sector/Educator Collaboration: Project Improves Financial, Economic Literacy of America's Youth

ERIC Educational Resources Information Center

Haynes, Deborah C.; Chinadle, Nicole

2007-01-01

The Family Economics and Financial Education Project (FEFE) began in 2001 at Montana State University with an annual grant from Take Charge America, Inc., a credit counseling and debt management company headquartered in Phoenix, Arizona. FEFE's mission is to provide educators with curriculum materials and training to be effective teachers of…

Investment Clubs Teach Financial Literacy

ERIC Educational Resources Information Center

Cook, Sheri

2007-01-01

A study conducted by "Money" Magazine in August 2006 found that students are not as financially literate as they ought to be. Teachers are now being challenged to find alternative strategies to educate students in the ways of personal finance. One component of personal finance that is particularly challenging is investments. In this article, the…

The Elusive Goal of World Literacy.

ERIC Educational Resources Information Center

Bhola, H. S.; And Others

1980-01-01

This issue is devoted to discussions of world literacy and national programs which comparative studies indicate may be used as models for future UNESCO international campaigns. Individual articles explore economic incentives for literacy motivation, radio learning projects, media programs in Jamaica, literacy improvement in Somalia, and a…

Theme: Agricultural Literacy.

ERIC Educational Resources Information Center

Deeds, Jacquelyn P.; And Others

1991-01-01

Six theme articles attempt to define and advocate agricultural literacy, review the status of K-8 agricultural literacy programs in states, discuss an Oklahoma study of agricultural literacy, clarify the meaning of sustainable agriculture, and describe the Future Farmers of America's Food for America program for elementary students. (SK)

Educational and Mothering Discourses and Learner Goals: Mexican Immigrant Women Enacting Agency in a Family Literacy Program. Research Brief #8

ERIC Educational Resources Information Center

Toso, Blaire Willson

2012-01-01

Family literacy programs promote certain ideas about literacy and parenting. This study examined how Mexican immigrant women in a family literacy program used mainstream ideas, or discourses, of mothering and parent involvement in education to pursue their own personal and academic goals. The findings revealed that women were at times faced with…

Harlan County Public Library, Final Performance Report for Library Services and Construction Act (LSCA) Title VI, Library Literacy Program.

ERIC Educational Resources Information Center

Warren, Carol E.

The Harlan County Public Library Literacy Project (Kentucky) provided rural-oriented, basic literacy, and oral history programs to a community of 100,000-200,000. The goal of the project was to produce six booklets about local people and issues, to be used as literacy materials in programs with Appalachian students. Students wanted to produce…

What Does Empowerment in Literacy Education Look Like? An Analysis of a Family Literacy Program for Guatemalan Maya Families

ERIC Educational Resources Information Center

Schoorman, Dilys; Zainuddin, Hanizah

2008-01-01

Educators in the field of "family literacy" have identified multiple approaches to family literacy programs (FLPs), and have underscored the need to identify and make explicit the philosophical orientations of their own programs. This was the task undertaken in this article, which focused on a FLP in south Florida that served the needs…

Influence of Maternal Health Literacy on Child Participation in Social Welfare Programs: The Philadelphia Experience

PubMed Central

Mohamad, Zeinab; Cnaan, Avital; Kavanagh, Jane; Shea, Judy A.

2010-01-01

We examined the influence of maternal health literacy on child participation in social welfare programs. In this cohort, 20% of the mothers had inadequate or marginal health literacy. Initially, more than 50% of the families participated in Temporary Assistance for Needy Families (TANF), the Food Stamp Program, and Special Supplemental Nutrition Program for Women, Infants, and Children, whereas fewer than 15% received child care subsidies or public housing. In multivariate regression, TANF participation was more than twice as common among children whose mothers had adequate health literacy compared with children whose mothers had inadequate health literacy. PMID:20634468

Supplemental Literacy Instruction for Students with Down Syndrome: A Program Evaluation

ERIC Educational Resources Information Center

Regan, Lisa Michelle

2013-01-01

The study utilizes an inductive, qualitative approach to program evaluation to understand the nature of an afterschool literacy tutoring program for students with Down syndrome. Two research questions guide this study: (a) What are the curricular and instructional elements of the Let's Read Now (LRN) literacy tutoring program for students…

Marketing Your Adult Literacy Program: A "How To" Manual. Revised.

ERIC Educational Resources Information Center

Smith, Barbara E.

This document presents a training module designed to help adult literacy program providers in New York and elsewhere to use the principles of social marketing to improve recruitment and retention in adult education programming. Literacy program providers are taught to view the social marketing process as a process of exchange between themselves as…

A Strengths Model for Learning in a Family Literacy Program.

ERIC Educational Resources Information Center

Potts, Meta W.

Family literacy programs are developed on the premise that the important relationships between children and adults affect literacy achievement and activity. The programs bring parents and children together in a teaching and learning environment. The critical teacher in a child's life is the parent. Family programs support and strengthen family…

Family Literacy Programs: Who Benefits? Occasional Paper #2.

ERIC Educational Resources Information Center

Padak, Nancy; Rasinski, Tim

Family literacy programs have been demonstrated to have significant and widespread benefits for children, parents, families, and society. Documented benefits of family literacy programs to children appear in the following areas: children's achievement in school, school attendance, oral language development, reading comprehension and vocabulary,…

Implementing Innovative Elementary Literacy Programs. Program Report.

ERIC Educational Resources Information Center

Schwab, R. G. Jerry; And Others

This four-document collection describes the implementation processes of dramatically improved literacy programs in elementary schools which are leading the move to restructure literacy education in the Northwest (Alaska, Idaho, Montana, Oregon, and Washington). The first document in the collection, "Strategies for Improving School-Wide…

Promoting School and Life Success through Early Childhood Family Literacy

ERIC Educational Resources Information Center

Swick, Kevin J.

2009-01-01

Early childhood family literacy programs have great potential to positively influence children and families. This article presents the core values and key components of high quality early childhood family literacy programs. The benefits and cost effectiveness of these programs are also discussed.

Upgrading Basic Skills for the Workplace.

ERIC Educational Resources Information Center

Askov, Eunice N.; And Others

Intended for trainers of literacy providers and practitioners in the field, this manual explains how to develop a workplace literacy program and market it to employers. Chapter 1 provides an overview and history of workplace literacy and recommends improvements in literacy services. Chapter 2 examines approaches to developing workplace programs,…

Leadership for Literacy: Research-Based Practice, PreK-3.

ERIC Educational Resources Information Center

Murphy, Joseph

Arguing that students' success almost always depends upon their mastery of literacy during the fundamental prekindergarten through Grade 3 years, this text draws upon 20 years of research to prove the link between effective literacy programs and instructional leadership. This book examines the foundation of highly effective literacy programs in…

Stress on the Job: How Family Literacy Program Directors Perceive Occupational Stress

ERIC Educational Resources Information Center

Sandlin, Jennifer A.; Chen, Chia-Yin

2007-01-01

Little research has examined stress among family literacy administrators, although studies in other contexts reveal occupational stress can lead to illness, distress, and organizational problems. This article presents findings from a recent study of stress among family literacy program directors in Texas. Findings reveal family literacy program…

Constructing Adult Literacies at a Local Literacy Tutor-Training Program

ERIC Educational Resources Information Center

Roderick, Ryan

2013-01-01

This study investigates how literacy was constructed at an adult literacy organization's volunteer tutor-training program. By drawing on qualitative analysis of training texts used during training, such as training evaluations, and data gathered from interviews with experienced tutors, it is possible to identify the assumptions about literacy…

Comprehension Literacy Improvement Program Implementation and Balanced Literacy Impact on Elementary Students

ERIC Educational Resources Information Center

Gough, Timothy Jerome

2017-01-01

The purpose of this study was to determine how teachers in an urban school district implemented Comprehensive Literacy Improvement Program (CLIP) and balanced literacy framework in second through fifth grade classrooms by exploring the evidence of implementation of guided reading strategies. Instructional delivery, training methodology, phonemic…

Literacy Course Priorities and Signature Aspects of Nine Elementary Initial Licensure Programs

ERIC Educational Resources Information Center

Lenski, Susan; Ganske, Kathy; Chambers, Sandy; Wold, Linda; Dobler, Elizabeth; Grisham, Dana L.; Scales, Roya; Smetana, Linda; Wolsey, Thomas Devere; Yoder, Karen K.; Young, Janet

2013-01-01

The purpose of this article is to describe the first part of a three-phase study to learn what makes an effective elementary literacy initial licensure program. The first step was to identify how nine programs prioritized research-based literacy practices and to identify each program's unique features, which we called "signature aspects." Findings…

Adult Literacy and Parenting Outcomes of a Rural, Home-Based Program.

ERIC Educational Resources Information Center

Meehan, Merrill L.; Walsh, Sandra; Spring, Janet; Swisher, Angie; Lewis, Harry

The Even Start Family Literacy Program is a national program designed to break the cycle of poverty and illiteracy by working with low-income families to improve adult literacy, parenting skills, and developmental and preschool readiness of young children in the family. The Monongalia County (West Virginia) Even Start Program is unusual in that…

World Perspective Case Descriptions on Educational Programs for Adults: India.

ERIC Educational Resources Information Center

Jayagopal, R.; Burns, E. P.

Four adult education programs being conducted in India are described in the case studies in this packet. Two of the projects involve literacy; the third promotes literacy as one part of its community development program, and the fourth trains workers in hotel management and catering technology. The literacy programs are (1) development of a…

Kodak Skills Enhancement Program. U.S. Department of Education National Workplace Literacy Project. Final Report.

ERIC Educational Resources Information Center

Beaudin, Bart P.

The Kodak Skills Enhancement program was a workplace literacy project funded through the U.S. Department of Education's National Workplace Literacy Program. The project goals were as follows: (1) establish a positive climate within the Kodak corporate environment to ensure program effectiveness by garnering support at all levels; (2) determine the…

The Italian Health Literacy Project: Insights from the assessment of health literacy skills in Italy.

PubMed

Palumbo, Rocco; Annarumma, Carmela; Adinolfi, Paola; Musella, Marco; Piscopo, Gabriella

2016-09-01

Inadequate health literacy, namely the problematic individual's ability to navigate the health care system, has been depicted as a silent epidemic affecting a large part of the world population. Inadequate health literacy has been variously found to be a predictor of patient disengagement, inappropriateness of care, increased health care costs, and higher mortality rates. However, to date the evidence on the prevalence of limited health literacy is heterogeneous; moreover, studies dealing with this topic show a pronounced geographical concentration. To contribute in filling these gaps, this paper investigates health literacy skills in Italy. Drawing on the European Health Literacy Survey (HLS-EU), a tool to measure self-perceived levels of health literacy was administered to a representative sample of Italian citizens. A stepwise regression analysis allowed to shed light on the determinants and consequences of limited health literacy. Findings suggested that inadequate health literacy is a prevailing problem in Italy, even though it has been overlooked by both policy makers and health care practitioners. Financial deprivation was found to be a significant predictor of inadequate health literacy. Low health literate patients reported higher hospitalization rates and greater use of health services. As compared with the European Countries, Italy showed some peculiarities in terms of health literacy levels and socio-demographic determinants of health literacy, which provide with intriguing insights for policy making. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

Representing Swiss Vocational Education and Training Teachers' Domain-Specific Conceptions of Financial Literacy Using Concept Maps

ERIC Educational Resources Information Center

Leumann, Seraina

2017-01-01

Issues related to financial matters are an integral component of the curricula in vocational education and training in Switzerland. However, the differences between students' competences are caused not only by the curricula but by multiple factors. One key factor is teachers' characteristics that support successful learning processes. Teachers'…

The Literacy Line! A Handbook for Creating and Implementing a Work Site Job Specific Literacy Program [and] Some People Work in the Vineyard [Curriculum].

ERIC Educational Resources Information Center

Napa Valley Unified School District, Napa, CA.

The materials include a handbook for development of worksite, job-specific literacy programs and a sample curriculum for vineyard workers in California. The handbook describes the Literacy Line! project, a mobile unit to carry English-as-a-Second-Language (ESL) and job-specific literacy instruction to employees at wineries and vineyards in the…

Developing Basic and Higher Level Reading Processing Skills: Exploring an Instructional Framework with the Progress in International Reading Literacy Study (PIRLS) 2006 Database

ERIC Educational Resources Information Center

Deasy, Michael Joseph

2012-01-01

Concern over worldwide literacy rates prompted the United Nations to establish the UN Literacy Decade (2003-2012) with one area of focus being to provide support to schools to develop effective literacy programs (UNESCO, 2005). This study addressed the area of providing support to schools to develop effective literacy programs by exploring the…

Theme: Delivering Agricultural Literacy.

ERIC Educational Resources Information Center

Reed, Warren D.; And Others

1990-01-01

Eight articles in this theme issue deal with the nationwide implementation of agricultural literacy programs--discovering how to do it. Discussed are experiences in planning and conducting agricultural literacy programs at state and local levels. (JOW)

Climate Literacy and Cyberlearning: Emerging Platforms and Programs

NASA Astrophysics Data System (ADS)

McCaffrey, M. S.; Wise, S. B.; Buhr, S. M.

2009-12-01

With the release of the Essential Principles of Climate Science Literacy: A Guide for Individuals and Communities in the Spring of 2009, an important step toward an shared educational and communication framework about climate science was achieved. Designed as a living document, reviewed and endorsed by the thirteen federal agencies in the U.S. Climate Change Science Program (now U.S. Global Change Research Program), the Essential Principles of Climate Literacy complement other Earth system literacy efforts. A variety of emerging efforts have begun to build on the framework using a variety of cyberlearning tools, including an online Climate Literacy course developed by Education and Outreach group at CIRES, the Cooperative Institute for Research in Environmental Sciences, and the Independent Learning program of the Continuing Education Division at the University of Colorado at Boulder. The online course, piloted during the Summer of 2009 with formal classroom teachers and informal science educators, made use of the online Climate Literacy Handbook, which was developed by CIRES Education and Outreach and the Encyclopedia of Earth, which is supported by the National Council for Science and the Environment and hosted by Boston University. This paper will explore challenges and opportunities in the use of cyberlearning tools to support climate literacy efforts, highlight the development of the online course and handbook, and note related emerging cyberlearning platforms and programs for climate literacy, including related efforts by the Climate Literacy Network, the NASA Global Climate Change Education programs, the National STEM Education Distributed Learning (NSDL) and AAAS Project 2061.

Examining the Association between the "Imagination Library" Early Childhood Literacy Program and Kindergarten Readiness

ERIC Educational Resources Information Center

Samiei, Shahin; Bush, Andrew J.; Sell, Marie; Imig, Doug

2016-01-01

This study evaluated participation in the "Imagination Library" early childhood literacy enrichment program and children's pre-literacy and pre-numeracy skills at kindergarten entry in an urban school district. Previous studies have demonstrated that program participation is associated with greater early childhood reading practices.…

The Changing Perspectives of Librarians in the "Better Beginnings" Family Literacy Program

ERIC Educational Resources Information Center

Barratt-Pugh, Caroline; Anderson, Karen; North, Sue

2013-01-01

Libraries across Australia are becoming increasingly involved in the development and implementation of family literacy programs, placing librarians at the centre of this initiative. "Better Beginnings" is a family literacy program developed by the State Library of Western Australian and delivered throughout the state. The program…

Literacy Program. National Issues Forums Special Report.

ERIC Educational Resources Information Center

National Issues Forums, Dayton, OH.

In the spring of 1988, 33 representatives from 20 institutions or organizations sponsoring National Issues Forum (NIF) literacy programs attended a national conference in Washington, D.C. Throughout the conference, representatives from the organizations sponsoring NIF literacy programs made statements on the importance of NIF as a tool for…

Empowering Adult Learners. NIF Literacy Program Helps ABE Accomplish Human Development Mission.

ERIC Educational Resources Information Center

Hurley, Mary E.

1991-01-01

The National Issues Forum's Literacy Program uses study circles and group discussion to promote empowerment and enhance adult literacy through civic education. The program has helped the Westonka (Minnesota) Adult Basic Education project accomplish its mission and has expanded the staff's view of adult learning. (SK)

Literacy Programs with Parent Involvement

ERIC Educational Resources Information Center

Montgomery, Joel R.

2008-01-01

The purpose of this working paper is to review current literature on literacy programs for parents of English language learners (ELLs). The paper includes a summary of five literacy programs for ELL parents throughout the United States of America. Four of these were system-wide interventions affecting more than one school or classroom. Each…

Women, Work, and Literacy. ERIC Digest No. 92.

ERIC Educational Resources Information Center

Kerka, Sandra

The numbers of women with low literacy levels, the increased labor force participation of women, and increasing literacy requirements on the job make the case for the inclusion of a literacy component in employment programs for women. Such programs should strive to be comprehensive, learner-centered, flexible, standards-based, and linked to…

Technological Literacy Workshop. Proceedings. (Washington, D.C., May 6-8, 1991).

ERIC Educational Resources Information Center

Jones, Russel C., Ed.

This document reports the proceedings of a workshop on Technological Literacy. The objectives of the workshop were: to review programs and to identify issues in technological literacy for liberal arts majors; to discuss mechanisms for the stimulation of appropriate additional technological literacy programs; and to develop an action plan for…

Prison Literacy Programs. ERIC Digest No. 159.

ERIC Educational Resources Information Center

Kerka, Sandra

Mastery of literacy skills may be a preventive and proactive way to address the problem of the high cost of imprisonment and the huge increase in the prison population. However, correctional educators contend with multiple problems in delivering literacy programs to inmates. Findings of the National Adult Literacy Survey indicate that, of the 5…

Workplace Literacy Programs: A Review of the Literature.

ERIC Educational Resources Information Center

Dunn-Rankin, Patricia; Beil, Drake

This literature review observes that (1) there is an increasing need for enhancing job literacy skills among workers; (2) workplace literacy programs cover both basic literacy and job-related technical training; (3) successful curricula use job-related tasks and materials; and (4) management needs to be heavily involved and committed if a program…

A Culturally Responsive Literacy Program for Hispanic Fathers and Their Children

ERIC Educational Resources Information Center

Saracho, Olivia N.

2010-01-01

This study examined a language and cultural literacy program for Hispanic fathers to promote their children's literacy development. This study had two phases: (a) training the teachers and (b) educating the fathers. The results indicated that the fathers learned how to promote their Hispanic children's literacy development using their family's…

Situating Information Literacy within the Curriculum: Using a Rubric to Shape a Program

ERIC Educational Resources Information Center

Jastram, Iris; Leebaw, Danya; Tompkins, Heather

2014-01-01

Rubrics are a rapidly growing subfield of information literacy assessment, providing a powerful tool for understanding student learning. This paper explores the role that the creation and application of an information literacy rubric can play in program development. Because of the Information Literacy in Student Writing assessment project at…

Reimagining Understandings of Literacy in Teacher Preparation Programs Using Digital Literacy Autobiographies

ERIC Educational Resources Information Center

McTavish, Marianne; Filipenko, Margot

2016-01-01

This article examines preservice teachers' understandings and beliefs about literacy in the 21st century specifically at the beginning of their teacher education program. In particular, the authors explored preservice teachers' responses to the first assignment of their foundations literacy course for evidence of their emerging beliefs and…

Worker-Centered Learning: A Union Guide to Workplace Literacy.

ERIC Educational Resources Information Center

Sarmiento, Anthony R.; Kay, Ann

This guide examines organized labor's views on adult literacy. It also describes several union-sponsored workplace education programs and suggests how a union can plan and operate a worker-centered literacy program. The book is organized in three parts. The first part examines workplace literacy in four chapters that cover the following: the…

Literacy Engagement and Parental Development through Even Start Family Literacy Participation

ERIC Educational Resources Information Center

Robinson, Petra A.

2012-01-01

This study examined how parental participation in Even Start programs contributes to family literacy engagement and parental development. More specifically, its primary aim was to develop an understanding of how parental participation in the program influences their reading behaviors and other literacy practices as well as to highlight observed…

Getting the Word Out: Communication Tips for Adult Basic & Literacy Education Professionals.

ERIC Educational Resources Information Center

Ohio Literacy Network, Columbus.

This document presents tips to help Ohio's adult basic education (ABE) and literacy education professionals publicize new and existing ABE and literacy education programs. Chapter 1 discusses the following topics related to using newspapers to publicize ABE and literacy programs: publication policies of daily and weekly newspapers; news releases,…

Developing Promotional Materials for Adult Literacy Programs. Practitioner Perspective

ERIC Educational Resources Information Center

Jae, Haeran

2014-01-01

This article reports on a specific case of the READ Center--a community-based literacy organization (CBLO) in Richmond, Virginia--and its attempt to develop promotional materials that will encourage low-literate adults to enroll in literacy programs. The article also offers insight on how literacy organizations may utilize the practical experience…

Transitioning HIV care and treatment programs in southern Africa to full local management.

PubMed

Vermund, Sten H; Sidat, Mohsin; Weil, Lori F; Tique, José A; Moon, Troy D; Ciampa, Philip J

2012-06-19

Global AIDS programs such as the US President's Emergency Plan for AIDS Relief (PEPFAR) face a challenging health care management transition. HIV care must evolve from vertically-organized, externally-supported efforts to sustainable, locally controlled components that are integrated into the horizontal primary health care systems of host nations. We compared four southern African nations in AIDS care, financial, literacy, and health worker capacity parameters (2005 to 2009) to contrast in their capacities to absorb the huge HIV care and prevention endeavors that are now managed with international technical and fiscal support. Botswana has a relatively high national income, a small population, and an advanced HIV/AIDS care program; it is well poised to take on management of its HIV/AIDS programs. South Africa has had a slower start, given HIV denialism philosophies of the previous government leadership. Nonetheless, South Africa has the national income, health care management, and health worker capacity to succeed in fully local management. The sheer magnitude of the burden is daunting, however, and South Africa will need continuing fiscal assistance. In contrast, Zambia and Mozambique have comparatively lower per capita incomes, many fewer health care workers per capita, and lower national literacy rates. It is improbable that fully independent management of their HIV programs is feasible on the timetable being contemplated by donors, nor is locally sustainable financing conceivable at present. A tailored nation-by-nation approach is needed for the transition to full local capacitation; donor nation policymakers must ensure that global resources and technical support are not removed prematurely.

Adult Education and Family Literacy Act. Report to Congress on State Performance. Program Year 2003-2004

ERIC Educational Resources Information Center

Office of Vocational and Adult Education, US Department of Education, 2006

2006-01-01

The state-administered grant program authorized under the Adult Education and Family Literacy Act (AEFLA), enacted as Title II of the Workforce Investment Act (WIA) of 1998, is the major source of federal support for adult basic and literacy education programs. The purpose of the program is to provide educational opportunities to adults sixteen…

Enhancing Ocean Literacy and Expertise of Diverse Populations via Graduate School Fellowship Opportunities

NASA Astrophysics Data System (ADS)

Mayo, M.; Ithier-Guzman, W.; Pyrtle, A. J.; Betzer, P.; Batson, B.; Bhansali, S.; Greene, B.; Turner, R.

2007-05-01

In 2004, the University of South Florida (USF) was granted by the National Science Foundation a Louis Stokes Alliance for Minority Participation (LSAMP) Bridge to the Doctorate (BD) site award (HRD# 0217675). As part of the Florida-Georgia Louis Stokes Alliance for Minority Participation (FGLSAMP), USF is one of thirteen institutions in an alliance that is dedicated to significantly increasing the number of underrepresented minority students who obtain undergraduate and graduate STEM degrees. The BD program at USF incorporates the goals of FGLSAMP and facilitates the recruitment of underrepresented minorities pursuing careers in the STEM fields at the graduate level. The thematic focus of the FGLSAMP USF BD program is focused on the development and application of biogeochemical sensors for marine, aquatic, environmental, remote sensing and biomedical applications. After recruitment, BD graduate fellowship recipients are provided with NSF-funded financial support for two years, and opportunities to participate in professional development workshops, seminars and short courses, as well as additional financial support to pursue and complete their doctoral studies (beyond the initial two years of NSF BD funding), in a variety of forms, including, but not limited to, Alfred P. Sloan Minority Scholarships, Florida Education Fund's McKnight Doctoral Fellowships, USF College of Graduate Studies Fellowships, USF CMS endowed fellowships, USF CMS research assistantships, and USF CMS teaching assistantships. Collectively, 3 LSAMP BD grants have been awarded at USF to support 56 underrepresented minority fellowship recipients, of which 14 are currently graduate students at the USF College of Marine Science (CMS). Since the arrival of the BD Fellowship program, the graduate community has diversified, showing an increase of over 40% in underrepresented minorities at CMS. The BD program has enhanced the research and learning environment for all CMS students, as well as fostered a nurturing community of underrepresented minority CMS graduate students committed to obtaining their doctoral degrees. As of spring 2007, a total of 4 BD fellowship recipients have obtained marine science master's degrees and are currently pursuing their doctoral degrees in the CMS. In addition, in less than two years, a BD endowment fund of more than $900,000 was established. This fund will provide financial support for at least two minority CMS graduate students in perpetuity! Lastly, in response to an identified need for increased ocean literacy among underrepresented groups, several BD fellowship recipients have engaged in activities designed to "give back" via informal and formal education and outreach opportunities within their native communities.

HealthLit4Kids study protocol; crossing boundaries for positive health literacy outcomes.

PubMed

Nash, Rose; Elmer, Shandell; Thomas, Katy; Osborne, Richard; MacIntyre, Kate; Shelley, Becky; Murray, Linda; Harpur, Siobhan; Webb, Diane

2018-06-05

Health attitudes and behaviours formed during childhood greatly influence adult health patterns. This paper describes the research and development protocol for a school-based health literacy program. The program, entitled HealthLit4Kids, provides teachers with the resources and supports them to explore the concept of health literacy within their school community, through classroom activities and family and community engagement. HealthLit4Kids is a sequential mixed methods design involving convenience sampling and pre and post intervention measures from multiple sources. Data sources include individual teacher health literacy knowledge, skills and experience; health literacy responsiveness of the school environment (HeLLO Tas); focus groups (parents and teachers); teacher reflections; workshop data and evaluations; and children's health literacy artefacts and descriptions. The HealthLit4Kids protocol draws explicitly on the eight Ophelia principles: outcomes focused, equity driven, co-designed, needs-diagnostic, driven by local wisdom, sustainable, responsive, systematically applied. By influencing on two levels: (1) whole school community; and (2) individual classroom, the HealthLit4Kids program ensures a holistic approach to health literacy, raised awareness of its importance and provides a deeper exploration of health literacy in the school environment. The school-wide health literacy assessment and resultant action plan generates the annual health literacy targets for each participating school. Health promotion cannot be meaningfully achieved in isolation from health literacy. Whilst health promotion activities are common in the school environment, health literacy is not a familiar concept. HealthLit4Kids recognizes that a one-size fits all approach seldom works to address health literacy. Long-term health outcomes are reliant on embedded, locally owned and co-designed programs which respond to local health and health literacy needs.

34 CFR 1100.10 - What categories of fellowships does the Institute award?

Code of Federal Regulations, 2010 CFR

2010-07-01

...) NATIONAL INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM How... award? The Institute awards two categories of Literacy Leadership Fellowships: (a) Literacy Worker...

Arithmetic in Daily Life and Literacy. Literacy Lessons.

ERIC Educational Resources Information Center

Dalbera, Claude

In order not to waste the time of the people working hard and sacrificing to become literate, literacy must offer them a real opportunity to change their life situation. Although many literacy programs are designed to fit the everyday lives and situations of their students, the same is not true for programs that teach arithmetic. Most adults…

Building a Community of Literacy Practice with Young Adults with Intellectual Disabilities.

ERIC Educational Resources Information Center

Moni, Karen B.

This paper describes the activities and outcomes of LATCH-ON (Literacy and Technology-Hands On), a literacy program for young adults with Down Syndrome based at the University of Queensland in Australia. The program's aims are to support literacy as a desirable and valued aspect in the students' quality of life through developing communication in…

Summer Program Aims to Improve Literacy Skills of Black Male Teens

ERIC Educational Resources Information Center

West, Cassandra

2012-01-01

In this article, the author talks about a summer program at the African American Adolescent Male Summer Literacy Institute which aims to improve literacy skills of black male teens. The African American Adolescent Male Summer Literacy Institute is now in its fourth year at the University of Illinois-Chicago (UIC). Alfred Tatum, director of the…

Guiding Readers and Writers, Grades 3-6: Teaching Comprehension, Genre, and Content Literacy.

ERIC Educational Resources Information Center

Fountas, Irene C.; Pinnell, Gay Su

Exploring all the essential components of a quality upper elementary literacy program, this book is a resource for fostering success that will enable students to enjoy a future filled with literacy journeys. Sections of the book address: special help for struggling readers and writers; a basic structure of the literacy program within a framework…

34 CFR 489.1 - What is the Functional Literacy for State and Local Prisoners Program?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false What is the Functional Literacy for State and Local... (Continued) OFFICE OF VOCATIONAL AND ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM General § 489.1 What is the Functional Literacy for State and Local...

Hospital Job Skills Enhancement Program: A Workplace Literacy Project. Final Evaluation Report.

ERIC Educational Resources Information Center

Nurss, Joanne R.

A workplace literacy program was designed to improve the literacy skills of entry-level workers in the housekeeping, food service, and laundry departments of Grady Memorial Hospital in Atlanta. Classes were held twice per week for 36 weeks at the hospital on job time. Literacy was defined as reading, writing, oral communication, and problem…

Putting Bread on the Table: Literacy and Livelihood in Kenya. Knowledge and Information Management.

ERIC Educational Resources Information Center

Thompson, Ekundayo J. D.

The effects of literacy and livelihood programs on female learners' participation in literacy were examined through case studies of groups of women who participated in four literacy and income-earning projects in Kenya. Data were collected through focus group discussions and a questionnaire. The four programs were started between 1968 and 1999 and…

Preservice Teachers' Knowledge of Information Literacy and Their Perceptions of the School Library Program

ERIC Educational Resources Information Center

Lee, Elizabeth A.; Reed, Brenda; Laverty, Corinne

2012-01-01

Graduating preservice teachers were surveyed regarding their knowledge of information literacy concepts, the pedagogy of information literacy, and the role of the teacher librarian and school library programs. The preservice teachers felt poorly prepared to teach information literacy to pupils, had a limited array of information skills, and held a…

Getting Ready To Read: Emergent Literacy and Family Literacy.

ERIC Educational Resources Information Center

Lonigan, Christopher J.; Whitehurst, Grover J.

A recent analysis of Even Start, the federal family literacy program, has concluded that the relative emphasis in many local programs has shifted too far toward background issues of family functioning and too far away from focused efforts to enhance literacy skills (Haslam, 1998). In keeping with this analysis, the time seems to be right for a…

Patterns of Participation in Canadian Literacy and Upgrading Programs: Results of a National Follow-Up Study.

ERIC Educational Resources Information Center

Long, Ellen

In early 1999, ABC Canada and Literacy British Columbia (BC) worked with 55 literacy organizations across Canada to study student recruitment and retention. Telephone interviews were conducted with 338 people who had contacted programs seeking literacy information or services (callers). Findings indicated callers constituted a broad cross-section…

34 CFR 489.30 - What annual report is required?

Code of Federal Regulations, 2010 CFR

2010-07-01

... literacy; (7) Data on all direct and indirect costs of the program; and (8) Information on progress toward... ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM What... close of the first calendar year in which a literacy program authorized by § 489.1 is placed in...

Computer Literacy of Turkish Preservice Teachers in Different Teacher Training Programs

ERIC Educational Resources Information Center

Ozsevgec, Tuncay

2011-01-01

This paper reports on an investigation into the sophomore and senior preservice teachers' computer literacy in different teacher training programs and to determine relationship between grades and the teacher training programs in terms of their computer literacy. The study used case study research methodology, and the sample consisted of 276…

A Decade of Family Literacy: Programs, Outcomes, and Future Prospects. Information Series.

ERIC Educational Resources Information Center

Padak, Nancy; Sapin, Connie; Baycich, Dianna

This paper reviews and synthesizes reports about family literacy programs and practices, focusing on outcomes for adult learners. Emphasis is on resources available in the ERIC database beginning in 1990. Section 1 on programs reviews sometimes conflicting definitions of family literacy and finds that a common thread is strengthening…

School to Work Program as a Contributor to Adult Literacy Skill Development

ERIC Educational Resources Information Center

Nuno-Toledo, Elsa

2010-01-01

The purpose of this study was to investigate the relationship between the learning of basic reading literacy skills in a contextualized, educational career technical training program, specifically the School to Work Program. The study explores whether adult literacy rates can change through students' participation in a contextualized, educational…

Adult Basic and Literacy Education Program: Revised Indicators of Program Quality, Fiscal Year 2004.

ERIC Educational Resources Information Center

Ohio State Dept. of Education, Columbus. Div. of Career-Technical and Adult Education.

This document lists the Ohio Department of Education's Adult Basic and Literacy Education revised indicators of program quality. A chart details the measures and performance standards for the following quality indicators: (1) students demonstrate progress toward attainment of literacy skills at levels of proficiency necessary to function on the…

Big6 by the Month: A New Approach

ERIC Educational Resources Information Center

Eisenberg, Michael B.; Murray, Janet

2011-01-01

It's time for a sweeping new approach to information literacy learning! The sad truth is that few, if any, information literacy efforts in schools have fulfilled the promise of a "comprehensive" information literacy program: (1) A comprehensive program should reach "all" students in the school; (2) A comprehensive program should be "predictable"…

Pathways to Information Literacy: An Information Literacy Skills Program for B.S. Nursing Students.

ERIC Educational Resources Information Center

Fox, Lynne M.; And Others

A joint program of instruction was created between the University of Northern Colorado's Michener Library and School of Nursing. This expanded bibliographic instruction program was based on a proposal that outlined the need for information literacy instruction in nursing education, enumerated the possible benefits of such instruction to students…

Opportunities Lost and Lessons Learned: Inside a Workplace Literacy Program.

ERIC Educational Resources Information Center

Kalman, Judy; Fraser, Kay Losey

This paper is a description of a union-sponsored workplace literacy program conducted in a large metropolitan hospital. The section following the introduction presents the research methodology, including data collection and data analysis procedures. The section entitled "The Making of a Workplace Literacy Program" looks at the planning stages of…

Literacy and Workplace Change: Evaluation Findings from Eighteen Workplace Literacy Programs

ERIC Educational Resources Information Center

Benseman, John

2012-01-01

Many Western governments are looking to workplace literacy, language, and numeracy programs to address general skill improvement with a longterm aim of improving labor productivity. Rigorous research on these programs' effectiveness for both of these agendas, however, remains sparse and limited in scope. This article reports the findings of an…

A Collaborative Approach to Family Literacy Evaluation Strategies.

ERIC Educational Resources Information Center

Landerholm, Elizabeth; Karr, Jo Ann; Mushi, Selina

A collaborative approach to program evaluation combined with the use of a variety of evaluation methods using currently available technology can yield valuable information about the effectiveness of family literacy programs. Such an approach was used for McCosh Even Start, a federally-funded family literacy program located at McCosh School in an…

34 CFR 489.30 - What annual report is required?

Code of Federal Regulations, 2011 CFR

2011-07-01

... literacy; (7) Data on all direct and indirect costs of the program; and (8) Information on progress toward... ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM What... close of the first calendar year in which a literacy program authorized by § 489.1 is placed in...

The Story of S.U.C.C.E.S.S. A Model Workplace Literacy Program.

ERIC Educational Resources Information Center

Li, Anita K. S.; Marn, Stephanie

Sheraton's Unified Commitment Concerning Employee's Self-Success (SUCCESS) Program is a workplace literacy partnership between ITT Sheraton Hotels in Hawaii and the University of Hawaii-Manoa, College of Education. The program provides workplace literacy skills training to employees of the four participating Sheraton Hotels in Hawaii. The SUCCESS…

34 CFR 489.30 - What annual report is required?

Code of Federal Regulations, 2014 CFR

2014-07-01

... literacy; (7) Data on all direct and indirect costs of the program; and (8) Information on progress toward... ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM What... close of the first calendar year in which a literacy program authorized by § 489.1 is placed in...

34 CFR 489.30 - What annual report is required?

Code of Federal Regulations, 2012 CFR

2012-07-01

... literacy; (7) Data on all direct and indirect costs of the program; and (8) Information on progress toward... ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM What... close of the first calendar year in which a literacy program authorized by § 489.1 is placed in...

34 CFR 489.30 - What annual report is required?

Code of Federal Regulations, 2013 CFR

2013-07-01

... literacy; (7) Data on all direct and indirect costs of the program; and (8) Information on progress toward... ADULT EDUCATION, DEPARTMENT OF EDUCATION FUNCTIONAL LITERACY FOR STATE AND LOCAL PRISONERS PROGRAM What... close of the first calendar year in which a literacy program authorized by § 489.1 is placed in...

Getting Ready Right from the Start. Effective Early Literacy Interventions.

ERIC Educational Resources Information Center

Hiebert, Elfrieda H., Ed.; Taylor, Barbara M., Ed.

Presenting descriptions of seven successful emergent literacy programs, this book demonstrates that early literacy intervention programs with a focus on accelerated learning and on authentic reading and writing tasks can prevent many first-grade children from failing to learn to read. Programs described in the book focus on story book reading and…

The aurora, Mars, and more! Increasing science content in elementary grades through art and literacy programs in earth and space science

NASA Astrophysics Data System (ADS)

Renfrow, S.; Wood, E. L.

2011-12-01

Although reading, writing, and math examinations are often conducted early in elementary school, science is not typically tested until 4th or 5th grade. The result is a refocus on the tested topics at the expense of the untested ones, despite that standards exist for each topic at all grades. On a national level, science instruction is relegated to a matter of a few hours per week. A 2007 Education Policy study states that elementary school students spend an average of 178 minutes a week on science while spending 500 minutes on literacy. A recent NSTA report in July of elementary and middle school teachers confirms that teachers feel pressured to teach math and literacy at the expense of other programs. One unintended result is that teachers in grades where science is tested must play catch-up with students for them to be successful on the assessment. A unique way to combat the lack of science instruction at elementary grades is to combine literacy, social studies, and math into an integrated science program, thereby increasing the number of science contact hours. The Dancing Lights program, developed at the Laboratory for Atmospheric and Space Physics, is a science, art, and literacy program about the aurora designed to easily fit into a typical 3rd-5th grade instructional day. It mirrors other successful literacy programs and will provide a basis for the literacy program being developed for the upcoming MAVEN mission to Mars. We will present early findings, as well as "lessons learned" during our development and implementation of the Dancing Lights program and will highlight our goals for the MAVEN mission literacy program.

Identifying the Financial Literacy Skills Necessary to Run a Small New Zealand Business

ERIC Educational Resources Information Center

Samkin, Grant; Pitu, Elizabeth; Low, Mary

2014-01-01

The objectives of this paper are to identify the financial skills small business owners believe necessary to be successful in business, and to establish whether there is a role for secondary school accounting in contributing to the learning of these skills. A combination of a social network website and snowball sampling technique was used to…

National Financial Literacy Act of 2013

THOMAS, 113th Congress

Rep. Johnson, Eddie Bernice [D-TX-30

2013-04-12

House - 04/12/2013 Referred to the Committee on Ways and Means, and in addition to the Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee... (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Effective Literacy Coaching: Building Expertise and a Culture of Literacy: An ASCD Action Tool

ERIC Educational Resources Information Center

Blachowicz, Camille L.Z.; Buhle, Roberta; Frost, Shari

2009-01-01

In "Effective Literacy Coaching: Building Expertise and a Culture of Literacy," literacy experts Shari Frost, Roberta Buhle, and Camille Blachowicz provide more than 50 practical activities designed to help K-12 literacy professionals: (1) Assess the current literacy program; (2) Plan changes that will foster a culture of literacy; (3) Collaborate…

Distinction, Integration and Identity: Motivations for Local Language Literacy in Senegalese Communities

ERIC Educational Resources Information Center

Trudell, Barbara; Klaas, Anthony R.

2010-01-01

Successful adult literacy and basic education programs are notoriously difficult to achieve. One reason for this has to do with how the question, "literacy for what?" is answered for a given program. All too frequently, the answer to that question is shaped more by the goals of the literacy provider than it is by learners' own goals and…

Adolescent Literacy Programs: Costs of Implementation. Final Report from Carnegie Corporation of New York's Council on Advancing Adolescent Literacy

ERIC Educational Resources Information Center

Levin, Henry M.; Catlin, Doran; Elson, Alex

2010-01-01

Many educators and researchers have proposed reforms for dealing with the ongoing adolescent literacy crisis. Progress in strengthening young people's literacy now depends on schools a) choosing appropriate programs and b) implementing them consistently and effectively. Yet the history of school reform is littered with reforms that were adopted…

The Quality of a "Local Values Based" Fuctional Literacy Program: Its Contribution to the Improvement of the Learner's Basic Competencies

ERIC Educational Resources Information Center

Wahyudin, Uyu

2015-01-01

Literacy facilitators across the archipelago are currently faced with the challenge to integrate local values in functional literacy education programs, because its integration is a new aspect. This makes localized literacy content a hard thing to implement. Yet, if properly conducted, it can lead to improved learner's basic competencies. In an…

Adult Education & Literacy Needs Assessment. New Jersey 1995. A Report on Local Demand for Professional Development and Training.

ERIC Educational Resources Information Center

Merkel-Keller, Claudia; Streeter, Sandra

In response to the National Goals 2000 Literacy initiative, literacy programs in New Jersey increased their efforts to meet literacy goals. In the summer of 1993, a needs assessment survey was conducted to determine the training and program development needs of adult education classroom teachers, teacher aides, substitute teachers, program…

Effects of Explicit and Non-Explicit Versions of an Early Intervention Program Incorporating Indigenous Culture into Kindergarten Literacy Instruction

ERIC Educational Resources Information Center

MacKay, Leslie D.; McIntosh, Kent

2012-01-01

Low literacy is a challenge facing Indigenous communities across North America and is an identified barrier to school success. Early literacy intervention is an important target to reduce the discrepancies in literacy outcomes. The Moe the Mouse® Speech and Language Development Program (Gardner & Chesterman, 2006) is a cultural curriculum…

Functional Literacy in Mali: Training for Development. Educational Studies and Documents: No. 10.

ERIC Educational Resources Information Center

Dumont, Bernard

With a view to making literacy an integral part of the economic and social development program of Mali, the study represents the third project of the Experimental World Literacy Program which began with functional literacy pilot projects in Tanzania and Iran. A critical report of the implementation of the pilot project in Mali, it contains a…

The Three F's in Place of the Three R's (An Essay on the Motivational Problems of Adult Literacy)

ERIC Educational Resources Information Center

Gugnani, H. R.

1975-01-01

There is a marked shift of emphasis from the traditional 3-R's concept of literacy to the new 3-F's Program of functional literacy, food production, and family planning. These experiences evidently establish that "built-in" motivation (economic, social, cultural, or religious) is perhaps the only answer to any literacy training program.…

Parents' Perceptions of Partners in Print, a Family Literacy Program

ERIC Educational Resources Information Center

Godbey, Rebecca Jane

2012-01-01

Partners in Print, a family literacy program, was brought to the urban elementary school in this study to educate and empower kindergarten and first grade parents to promote literacy development at home. This research aimed to explore the impact of participation in this program after consistent participation by utilizing a one-group pre-test,…

Workplace Literacy: The Effects of an In-house Program on the Organization.

ERIC Educational Resources Information Center

Fretz, Barbara

The effects of an in-house workplace literacy program on an organization are examined. A small Canadian manufacturing plant that began a workplace literacy program called Learning in the Workplace in 1990 was the site of this case study research. The plant was CCL Custom Manufacturing, which specialized in household powder-based products. Four…

Fort Berthold Library Literacy Program. Final Performance Report, October 1, 1988-September 30, 1989.

ERIC Educational Resources Information Center

Fort Berthold Reservation Public Library, New Town, ND.

The report describes activities of the Fort Berthold Reservation Public Library (North Dakota) Literacy Program to meet six objectives for the 1988-89 project year. The program was designed specifically to promote literacy among three Native American tribes, the Mandan, Hidatsa, and Arikara. Objectives included acquisition of a library literacy…

Second Evaluation of the Improving Literacy through School Libraries Program

ERIC Educational Resources Information Center

Michie, Joan S.; Chaney, Bradford W.

2009-01-01

The Improving Literacy through School Libraries (LSL) program was established under Title I, Part B, Subpart 4 of the Elementary and Secondary Education Act (ESEA) by the No Child Left Behind Act of 2001 (NCLB). The purpose of the program is to improve the literacy skills and academic achievement of students by providing them with increased…

Hospital Job Skills Enhancement Program: A Workplace Literacy Project. Curriculum Manual.

ERIC Educational Resources Information Center

Chase, Nancy D.

This document describes a workplace literacy program designed to improve the literacy skills of entry-level workers in the housekeeping, food service, and laundry departments of Grady Memorial Hospital in Atlanta. An introduction describes the goals of the program and the employees served (low-literate adults who relied on word of mouth for most…

An Analysis of Factors Influencing Urbanite Woman Learner-Participation in Functional Literacy Programs in Selected Christian Churches, Accra

ERIC Educational Resources Information Center

Saah, Albert Amoah

2013-01-01

The promotion of adult functional literacy programs per se, neither creates the necessary motivation for learning, nor enhances the participation of adult learners in work-oriented or socio-cultural functional literacy programs. The task in learning-teaching transaction is to create the enabling environment for harnessing and enhancing…

Building a Sustainable Life Science Information Literacy Program Using the Train-the-Trainer Model

ERIC Educational Resources Information Center

Hartman, Patricia; Newhouse, Renae; Perry, Valerie

2014-01-01

The train-the-trainer model has great potential for expanding information literacy programs without placing undue burden on already overextended librarians; it is surprisingly underused in academic libraries. At the University of Kentucky, we employed this model to create a new information literacy program in an introductory biology lab. We…

State Administration of the Even Start Family Literacy Program: Structure, Process and Practices. Doc # 2003-14

ERIC Educational Resources Information Center

Tao, Fumiyo; Ricciuti, Anne; St.Pierre, Robert

2003-01-01

The Even Start Family Literacy Program addresses the basic educational needs of parents and children from birth through age seven from low-income families. The program provides unified, multi-component services consisting of (1) interactive literacy activities between parents and their children; (2) training for parents to be the primary teachers…

Literacy and Health Disparities

ERIC Educational Resources Information Center

Prins, Esther; Mooney, Angela

2014-01-01

This chapter explores the relationship between literacy and health disparities, focusing on the concept of health literacy. Recommendations are provided for ways to bridge the health literacy gap for learners in adult basic education and family literacy programs.

76 FR 4095 - Notice of Submission for OMB Review

Federal Register 2010, 2011, 2012, 2013, 2014

2011-01-24

..., mechanical, or other technological collection techniques or other forms of information technology. Dated... financial and economic literacy to participants. This information collection is being submitted under the...

Nonparticipation in Literacy and Upgrading Programs: A National Study. Stage One: Interviews from Across Canada. Stage Two: Survey of Attitudes, Perceptions, and Preferences Regarding Adult Basic Education Programs.

ERIC Educational Resources Information Center

ABC Canada, Toronto (Ontario).

The reasons for nonparticipation in adult literacy and upgrading programs were examined in a national study during which interviewers in 12 Canadian provinces conducted in-person interviews with 44 adults who had never participated in a literacy or upgrading program. Most interviewees indicated that they had experienced transition points at which…

Alfabetizacion y Postalfabetizacion en America Latina: Perfiles de Projectos y Programas Vigentes (Literacy Programs in Latin America and the Caribbean: Profiles of Existing Programs and Projects).

ERIC Educational Resources Information Center

Beca, Carlos E.; And Others

The principal aspects that characterize the illiteracy problem in 14 Latin American and Caribbean countries and the achievements of 22 currently established literacy programs were determined through a 1981 UNESCO study. The purpose of this study was to obtain data useful in the planning of future literacy programs. Section one identifies…

Factors Influencing the Improved Academic Success in Literacy at the Knowledge Is Power Program (KIPP) Schools in the Delta Region According to Adult Perceptions

ERIC Educational Resources Information Center

Brown, Kimberly J.; Holt, Carleton R.

2014-01-01

This qualitative case study explored factors that have influenced literacy success of Knowledge is Power Program (KIPP) students in the low-income, poverty stricken Delta Region of Arkansas. The study examined progress made since implementation of the KIPP Program and the influence the program had made upon student achievement in literacy at the…

Alternative Designs for Evaluating Workplace Literacy Programs. Conference Proceedings and Commissioned Papers at the "Design Guidance for Evaluating Workplace Literacy Programs" Work Group Conference (Washington, D.C. April 13, 1993).

ERIC Educational Resources Information Center

Research Triangle Inst., Research Triangle Park, NC.

This document contains the five papers presented at a meeting at which key issues in evaluating workplace literacy programs were discussed. In "Key Components of Workplace Liteacy Projects and Definitions of Project 'Modules,'" Judith A. Alamprese describes the context for evaluating the National Extension Program, components of workplace literacy…

Sub-Saharan African migrant youths' help-seeking barriers and facilitators for mental health and substance use problems: a qualitative study.

PubMed

McCann, Terence V; Mugavin, Janette; Renzaho, Andre; Lubman, Dan I

2016-08-02

Many young migrants and their parents are reluctant to seek help for mental health and substance use problems. Help-seeking delays can result in longer duration of untreated problems and poorer outcomes. In this study, we aimed to identify the help-seeking barriers and facilitators for anxiety, depression and alcohol and drug use problems in young people from recently established sub-Saharan African migrant communities. A qualitative study, incorporating individual, in-depth interviews and focus group discussions, was undertaken in Melbourne, Australia. Twenty-eight young sub-Saharan African migrants participated in the individual interviews, and 41 sub-Saharan African-born parents and key community leaders participated in 4 focus groups. All participants were aged 16 years or over. A thematic analysis of the data was undertaken. Themes and related sub-themes were abstracted from the data, reflecting the young people's, parents' and key community leaders' beliefs about barriers and facilitators to help-seeking for mental health and substance use problems. Four help-seeking barriers were identified: stigma of mental illness, lack of mental health literacy in parents and young people, lack of cultural competency of formal help sources, and financial costs deterring access. Five help-seeking facilitators were abstracted: being open with friends and family, strong community support systems, trustworthiness and confidentiality of help-sources, perceived expertise of formal help-sources, increasing young people's and parents' mental health literacy. Programs that identify and build on help-seeking facilitators while addressing help-seeking barriers are needed to address mental health issues among young sub-Saharan African migrants. Strategies to address help-seeking barriers should consider counteracting stigma and increasing mental health literacy in sub-Saharan African communities, increasing health providers' cultural competency and perceived trustworthiness, and addressing financial barriers to accessing services.

Financial Literacy for Students Act

THOMAS, 113th Congress

Rep. Cartwright, Matt [D-PA-17

2013-08-01

House - 09/13/2013 Referred to the Subcommittee on Early Childhood, Elementary, and Secondary Education. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

34 CFR 644.4 - What services may a project provide?

Code of Federal Regulations, 2013 CFR

2013-07-01

...: (a) Public information campaigns designed to inform the community about opportunities for... examinations. (e) Education or counseling services designed to improve the financial and economic literacy of...

34 CFR 644.4 - What services may a project provide?

Code of Federal Regulations, 2014 CFR

2014-07-01

...: (a) Public information campaigns designed to inform the community about opportunities for... examinations. (e) Education or counseling services designed to improve the financial and economic literacy of...

34 CFR 644.4 - What services may a project provide?

Code of Federal Regulations, 2012 CFR

2012-07-01

...: (a) Public information campaigns designed to inform the community about opportunities for... examinations. (e) Education or counseling services designed to improve the financial and economic literacy of...

HumRRO's Literacy Research for the U.S. Army: Developing Functional Literacy Training.

ERIC Educational Resources Information Center

Sticht, Thomas G.; And Others

The major purposes of the project were to determine the nature of the literacy problem in the Army by studying the literacy demands of Army jobs together with the literacy skills of Army personnel, and to develop a literacy training program to provide job-related-functional, literacy skills. Literacy research and development performed by HumRRO…

Low Health Literacy Is Associated with Increased Transitional Care Needs in Hospitalized Patients.

PubMed

Boyle, Joseph; Speroff, Theodore; Worley, Katherine; Cao, Aize; Goggins, Kathryn; Dittus, Robert S; Kripalani, Sunil

2017-11-01

To examine the association of health literacy with the number and type of transitional care needs (TCN) among patients being discharged to home. A cross-sectional analysis of patients admitted to an academic medical center. Nurses administered the Brief Health Literacy Screen and documented TCNs along 10 domains: caregiver support, transportation, healthcare utilization, high-risk medical comorbidities, medication management, medical devices, functional status, mental health comorbidities, communication, and financial resources. Among the 384 patients analyzed, 113 (29%) had inadequate health literacy. Patients with inadequate health literacy had needs in more TCN domains (mean = 5.29 vs 4.36; P < 0 .001). In unadjusted analysis, patients with inadequate health literacy were significantly more likely to have TCNs in 7 out of the 10 domains. In multivariate analyses, inadequate health literacy remained significantly associated with inadequate caregiver support (odds ratio [OR], 2.61; 95% confidence interval [CI], 1.37-4.99) and transportation barriers (OR, 1.69; 95% CI, 1.04-2.76). Among hospitalized patients, inadequate health literacy is prevalent and independently associated with other needs that place patients at a higher risk of adverse outcomes, such as hospital readmission. Screening for inadequate health literacy and associated needs may enable hospitals to address these barriers and improve postdischarge outcomes. © 2017 Society of Hospital Medicine

Workplace Literacy: A Resource Book.

ERIC Educational Resources Information Center

Guglielmino, Lucy Madsen; Byran, Valerie C.

This resource book provides information on developing a workplace literacy program, descriptions of Florida Workplace Literacy Programs, and an annotated bibliography of resources. An introduction discusses the problem of basic skills deficiencies, projections that indicate the problem will increase, the Florida context, and benefits realized when…

Annual Review of Applied Linguistics, 1983.

ERIC Educational Resources Information Center

Kaplan, Robert B., Ed.; And Others

A collection of reports on literacy and literacy issues includes a variety of perspectives and descriptions of diverse programs and is divided into three sections. The first examines broad questions of literacy: "On the Study of Literacy" (David Bendor-Samuel); "Linguistics and Literacy" (Gloria Kindell); and "Literacy in…

Promoting Workplace Literacy and Basic Skills Development.

ERIC Educational Resources Information Center

Peterson, Elizabeth A.; Ott, Joyce; Wilson, Kathleen

This document is intended to help literacy practitioners and others in South Carolina promote workplace literacy and basic skills development programs. The introduction examines the following topics: South Carolina's current workforce and its outlook; the definitions of literacy and workplace literacy; the need for workplace literacy and basic…

Community Literacy at Work with STRIDE (Success Through Reading Improvement and DEvelopment): Overview of a Successful Community Literacy Program.

ERIC Educational Resources Information Center

Macy, Rita

STRIDE (Success Through Reading Improvement and DEvelopment) is a literacy program developed in 1986 by Crowder College, located in the rural Ozarks of southwestern Missouri. Serving all age groups with trained literacy tutors ranging in age from 11 to over 60, STRIDE has been built on five main activities: (1) develop a philosophy that is…

Adult Literacy: Policies, Programs and Practices. Lessons Learned. Final Report = Alphabetisation des adultes: politiques, programmes et pratiques. Etude bilan. Rapport final.

ERIC Educational Resources Information Center

2001

Studies and reports examining the problems associated with adult literacy and efforts to address those problems were reviewed to identify lessons for adult literacy programs in Canada and elsewhere. Low literacy levels were linked to above-average rates of personal and/or learning difficulties, low self-esteem, associated social problems, and…

A Critical Review of Concept Mapping Research Literature: Informing Teaching and Learning Practices in GED Preparation Programs

ERIC Educational Resources Information Center

Martin, Larry G.; Martin, Fatima A.; Southworth, Erica

2015-01-01

Concept maps (Cmaps) are still underutilized in adult literacy programs and classes. The teaching and learning approaches that have been used historically in adult literacy programs to address the learning needs of these students have not kept pace with the literacy skill demands that have sprung from the increased pace of technological…

The Results of a Randomized Control Trial Evaluation of the SPARK Literacy Program

ERIC Educational Resources Information Center

Jones, Curtis J.; Christian, Michael; Rice, Andrew

2016-01-01

The purpose of this report is to present the results of a two-year randomized control trial evaluation of the SPARK literacy program. SPARK is an early grade literacy program developed by Boys & Girls Clubs of Greater Milwaukee. In 2010, SPARK was awarded an Investing in Innovation (i3) Department of Education grant to further develop the…

Adolescent Illiteracy: What Libraries Can Do to Solve the Problem--A Report on the Research of the Project on Adolescent Illiteracy.

ERIC Educational Resources Information Center

Davidson, Judith

1988-01-01

Describes characteristics of effective adolescent literacy programs and discusses the role of the public library. Library collections for adolescents with literacy needs and the professionals who work with them, referral to literacy programs, library sponsored programs, and staff development are identified as areas that public libraries need to…

National Workplace Literacy Program (NWL) at Chinatown Manpower Project, Inc. Final Performance Report.

ERIC Educational Resources Information Center

Tse, Ivy Au

The Chinatown Manpower Workplace Literacy Program was funded by the United States Department from November 1, 1993 to April 30, 1995. The program consisted of three 18-week cycles, each comprised of 50 hours of instruction of garment-related English and English as a Second Language aimed at upgrading the literacy level of Chinese workers;…

Improving health literacy through adult basic education in Australia.

PubMed

Morony, Suzanne; Lamph, Emma; Muscat, Danielle; Nutbeam, Don; Dhillon, Haryana M; Shepherd, Heather; Smith, Sian; Khan, Aisha; Osborne, Julie; Meshreky, Wedyan; Luxford, Karen; Hayen, Andrew; McCaffery, Kirsten J

2017-05-25

Adults with low literacy are less empowered to take care of their health, have poorer health outcomes and higher healthcare costs. We facilitated partnerships between adult literacy teachers and community health providers to deliver a health literacy training program in adult basic education classrooms. Following course completion we interviewed 19 adult education teachers (15 delivering the health literacy program; 4 delivering standard literacy classes) and four community health providers (CHPs) about their experiences, and analysed transcripts using Framework analysis. Written feedback from eight teachers on specific course content was added to the Framework. Health literacy teachers reported a noticeable improvement in their student's health behaviours, confidence, vocabulary to communicate about health, understanding of the health system and language, literacy and numeracy skills. CHP participation was perceived by teachers and CHPs as very successful, with teachers and CHPs reporting they complemented each other's skills. The logistics of coordinating CHPs within the constraints of the adult education setting was a significant obstacle to CHP participation. This study adds to existing evidence that health is an engaging topic for adult learners, and health literacy can be successfully implemented in an adult basic learning curriculum to empower learners to better manage their health. Health workers can deliver targeted health messages in this environment, and introduce local health services. Investment in adult literacy programs teaching health content has potential both to meet the goals of adult language and literacy programs and deliver health benefit in vulnerable populations. © The Author 2017. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

An assessment of residents’ and fellows’ personal finance literacy: an unmet medical education need

PubMed Central

White, Andrew J.; Hiller, Katherine M.; Amini, Richard; Jeffe, Donna B.

2017-01-01

Objectives This study aimed to assess residents’ and fellows’ knowledge of finance principles that may affect their personal financial health. Methods A cross-sectional, anonymous, web-based survey was administered to a convenience sample of residents and fellows at two academic medical centers.  Respondents answered 20 questions on personal finance and 28 questions about their own financial planning, attitudes, and debt. Questions regarding satisfaction with one’s financial condition and investment-risk tolerance used a 10-point Likert scale (1=lowest, 10=highest).  Of 2,010 trainees, 422 (21%) responded (median age 30 years; interquartile range, 28-33).   Results The mean quiz score was 52.0% (SD = 19.1). Of 299 (71%) respondents with student loan debt, 144 (48%) owed over $200,000.  Many respondents had other debt, including 86 (21%) with credit card debt. Of 262 respondents with retirement savings, 142 (52%) had saved less than $25,000. Respondents’ mean satisfaction with their current personal financial condition was 4.8 (SD = 2.5) and investment-risk tolerance was 5.3 (SD = 2.3). Indebted trainees reported lower satisfaction than trainees without debt (4.4 vs. 6.2, F (1,419) = 41.57, p < .001).   Knowledge was moderately correlated with investment-risk tolerance (r=0.41, p < .001), and weakly correlated with satisfaction with financial status (r=0.23, p < .001). Conclusions Residents and fellows had low financial literacy and investment-risk tolerance, high debt, and deficits in their financial preparedness.  Adding personal financial education to the medical education curriculum would benefit trainees.  Providing education in areas such as budgeting, estate planning, investment strategies, and retirement planning early in training can offer significant long-term benefits. PMID:28557777

An assessment of residents' and fellows' personal finance literacy: an unmet medical education need.

PubMed

Ahmad, Fahd A; White, Andrew J; Hiller, Katherine M; Amini, Richard; Jeffe, Donna B

2017-05-29

This study aimed to assess residents' and fellows' knowledge of finance principles that may affect their personal financial health. A cross-sectional, anonymous, web-based survey was administered to a convenience sample of residents and fellows at two academic medical centers.  Respondents answered 20 questions on personal finance and 28 questions about their own financial planning, attitudes, and debt. Questions regarding satisfaction with one's financial condition and investment-risk tolerance used a 10-point Likert scale (1=lowest, 10=highest).  Of 2,010 trainees, 422 (21%) responded (median age 30 years; interquartile range, 28-33). The mean quiz score was 52.0% (SD = 19.1). Of 299 (71%) respondents with student loan debt, 144 (48%) owed over $200,000.  Many respondents had other debt, including 86 (21%) with credit card debt. Of 262 respondents with retirement savings, 142 (52%) had saved less than $25,000. Respondents' mean satisfaction with their current personal financial condition was 4.8 (SD = 2.5) and investment-risk tolerance was 5.3 (SD = 2.3). Indebted trainees reported lower satisfaction than trainees without debt (4.4 vs. 6.2, F (1,419) = 41.57, p < .001).   Knowledge was moderately correlated with investment-risk tolerance (r=0.41, p < .001), and weakly correlated with satisfaction with financial status (r=0.23, p < .001). Residents and fellows had low financial literacy and investment-risk tolerance, high debt, and deficits in their financial preparedness.  Adding personal financial education to the medical education curriculum would benefit trainees.  Providing education in areas such as budgeting, estate planning, investment strategies, and retirement planning early in training can offer significant long-term benefits.

Literacy for Living Conference Papers. Australian Council for Adult Literacy National Conference (12th, Brisbane, Australia, 1988).

ERIC Educational Resources Information Center

Norton, Marian, Ed.

This document contains 43 papers on many aspects of adult literacy: "Literacy, Human Rights and Equality of Opportunity" (Einfeld); "Overcoming Illiteracy" (Marquet); "The Literacy Issue" (Crocker); "Literacy and Civil Liberties" (O'Gorman); "Designing a Tutor Training Program for Tutors of ESL"…

Empowering students to respond to alcohol advertisements: results from a pilot study of an Australian media literacy intervention.

PubMed

Gordon, Chloe S; Jones, Sandra C; Kervin, Lisa; Lee, Jeong Kyu

2016-06-01

Alcohol media literacy programs in the United States have increased students' media literacy skills and lowered pre-drinking behaviour. In Australia, no such programs have yet been implemented or evaluated. This pilot study aimed to examine the feasibility and potential impact of an alcohol media literacy program for Australian upper-primary school children. Thirty-seven Year 5 and 6 students (aged 10-12) from one school in the Sydney region participated in 10 one-hour media lessons. Teacher interviews, student exit slips, teacher observations and a researcher reflective journal were analysed to examine the implementation process, while a pre- and post-questionnaire was analysed to measure outcome. Key factors in implementation were the importance of school context; attainment of English and PDHPE learning outcomes to differing extents; program's useability provided flexibility; perceived complexity and achievability of the lessons and program's engagement and relevance for the students. The program significantly increased media literacy skills and understanding of persuasive intent; decreased interest in alcohol branded merchandise; and lowered perception of drinking norms. An Australian alcohol media literacy program for upper-primary school children appears feasible, and has potential to lead to measurable outcomes. © 2015 Public Health Association of Australia.

Exploring environmental literacy in low-literate communities of Pakistan: A descriptive study to recommend strategies for planning environmental education programs

NASA Astrophysics Data System (ADS)

Daudi, Sabiha Shafique

2000-10-01

The widely accepted definition of environmental education as stated by The Tbilisi Declaration of 1978 focuses on developing an environmentally literate citizenry which is capable of working "...individually and collectively toward solutions of current [environmental] problems and the prevention of new ones". The two basic tenets of environmental literacy are further defined in this study as the ability to understand environmental problems and the ability to address those environmental problems in a responsible manner. Acquisition of knowledge has also been considered an important element when developing environmental literacy programs. However, a large sector of the world population is non- or low-literate and communication is through channels other than the written word. The challenge for environmental educators is to reach the low-literate learners who have not had many opportunities to participate in formal education activities through established institutions. The purpose of this study was to describe levels of environmental literacy in communities with varying levels of formal literacy in two cities, Karachi and Islamabad, Pakistan to determine the role formal literacy plays in enhancing environmental literacy and decision making in relation to age, sex, location, number of years spent in formal education, and the socio-economic status (SES) of adult learners. Based on the outcomes, recommendations were made for designing effective programs to ensure involvement of low-literate communities in established decision-making processes through relevant program planning. This study suggested strategies to program planners and environmental educators for designing programs that reach low-literate communities, highlight local environmental concerns, and empower these communities in addressing local environmental issues. A purposive sample was identified from the constituencies of five non-governmental organizations in Karachi and Islamabad, Pakistan. Two instruments, one to measure levels of formal literacy, and the other to assess environmental literacy of the participants at the nominal, functional, and operational levels, were developed for this study. Negligible correlations were found between environmental literacy and the demographic or "external" variables of age, sex, location, number of years participants had spent in formal education institutions, socio-economic status, and formal literacy. However, some low and moderate positive correlations were found between formal literacy and age, sex, location, number of years participants had spent in formal education institutions, and socio-economic status of the participants. No correlations were found between environmental literacy and formal literacy indicating that the ability to read and write did not relate to environmental literacy or awareness in the participants.

The role of health literacy and communication habits on previous colorectal cancer screening among low-income and uninsured patients.

PubMed

Ojinnaka, Chinedum O; Bolin, Jane N; McClellan, David A; Helduser, Janet W; Nash, Philip; Ory, Marcia G

2015-01-01

To determine the association between health literacy, communication habits and colorectal cancer (CRC) screening among low-income patients. Survey responses of patients who received financial assistance for colonoscopy between 2011 and 2014 at a family medicine residency clinic were analyzed using multivariate logistic regression (n = 456). There were two dependent variables: (1) previous CRC screening and (2) CRC screening adherence. Our independent variables of interest were health literacy and communication habits. Over two-thirds (67.13%) of respondents had not been previously screened for CRC. Multivariate analysis showed a decreased likelihood of previous CRC screening among those who had marginal (OR = 0.52; 95% CI = 0.29-0.92) or inadequate health literacy (OR = 0.49; 95% CI = 0.27-0.87) compared to those with adequate health literacy. Controlling for health literacy, the significant association between educational attainment and previous CRC screening was eliminated. Thus, health literacy mediated the relationship between educational attainment and previous CRC screening. There was no significant association between communication habits and previous CRC screening. There was no significant association between screening guideline adherence, and health literacy or communication. Limited health literacy is a potential barrier to CRC screening. Suboptimal CRC screening rates reported among those with lower educational attainment may be mediated by limited health literacy.

Overcoming Language and Literacy Barriers in Safety and Health Training of Agricultural Workers

PubMed Central

Arcury, Thomas A.; Estrada, Jorge M.; Quandt, Sara A.

2010-01-01

The workforce in all areas of United States agriculture and forestry is becoming increasingly diverse in language, culture, and education. Many agricultural workers are immigrants who have limited English language skills and limited educational attainment. Providing safety and health training to this large, diverse, dispersed, and often transient population of workers is challenging. This review, prepared for the 2010 Agricultural Safety and Health Council of America/National Institute for Occupational Safety and Health conference, “Be Safe, Be Profitable: Protecting Workers in Agriculture,” is divided into five sections. First, we describe the occupational and demographic characteristics of agricultural workers in the US to highlight their safety and health training needs. Second, we summarize current research on the social and cultural attributes of agricultural workers and agricultural employers that affect the provision of safety and health training. Worker and employer attributes include language, literacy, financial limitations, work beliefs, and health beliefs. Third, we review current initiatives addressing safety and health training for agricultural workers that consider worker language and literacy. These initiatives are limited to a few specific topics (e.g., pesticides, heat stress); they do not provide general programs of safety training that would help establish a culture of workplace safety. However, several innovative approaches to health and safety training are being implemented, including the use of community-based participatory approaches and lay health promoter programs. Fourth, the limited industry response for safety training with this linguistically diverse and educationally limited workforce is summarized. Finally, gaps in knowledge and practice are summarized and recommendations to develop educationally, culturally, and linguistically appropriate safety and health training are presented. PMID:20665309

Information Literacy Programs and Research: Reflections on "Information Literacy Programs and Research: An International Review" by Christine Bruce. 2000. "The Australian Library Journal" 49 no. 3: 209-218.

ERIC Educational Resources Information Center

Bruce, Christine

2011-01-01

Although in the late 1990s there was much discussion as to whether the idea of information literacy was necessary or had longevity, global interest in the phenomenon has increased rather than diminished. Information literacy standards have been developed and become widely accepted in educational systems. Research centres for information literacy…

National Literacy Act of 1991. Report To Accompany H.R. 751. Including Cost Estimate of the Congressional Budget Office. House of Representatives, 102d Congress, 1st Session.

ERIC Educational Resources Information Center

Congress of the U.S., Washington, DC. House Committee on Education and Labor.

The National Literacy Act of 1991 is a comprehensive approach for improving the literacy and basic skill levels of adults by coordinating, integrating, and investing in adult and family literacy programs at the federal, state, and local levels. The legislation provides for research and program delivery. All sectors, including public,…

Structuring learning environments: Lessons from the organization of post-literacy programs

NASA Astrophysics Data System (ADS)

Easton, Peter A.

1989-12-01

New conceptual and historical work on the nature of literacy and information on several bellwether post-literacy efforts in developing countries furnish a basis for diagnosing some of the deficiencies in current approaches to post-literacy programming. The key issue is the design of a `literate environment'. Heretofore attention has been concentrated too exclusively on the reading materials and continuing education side of the problem, and insufficient attention has been given to the more critical and difficult aspect: ensuring adequate opportunities for the application of new literate skills. The availability of these functional opportunities is closely related to the possibilities for accumulation and reinvestment of economic surplus in the environment, and to the way in which the related activities are organized. Literacy programs can unite skills relevant to management of local resources with strategies of cultural, political or religious revitalization that mobilize people to use their human resources. They therefore continue to offer an attractive means of initiating a reinvestment spiral from limited initial capital. To realize these potentials at the post-literacy stage, however, requires planning post-literacy before literacy, broadening programs to address primary school leavers as well, and paying greatly increased attention to the economic and social structure of the learning environment.

Financial Literacy for Students Act

THOMAS, 113th Congress

Sen. Hagan, Kay R. [D-NC

2013-04-25

Senate - 04/25/2013 Read twice and referred to the Committee on Health, Education, Labor, and Pensions. (All Actions) Tracker: This bill has the status IntroducedHere are the steps for Status of Legislation:

Diabetes Literacy: Health and Adult Literacy Practitioners in Partnership

ERIC Educational Resources Information Center

Black, Stephen

2012-01-01

This paper describes pedagogy in a series of "diabetes literacy" programs involving culturally and linguistically diverse (CALD) communities. The programs were jointly delivered in local community sites, including neighbourhood centres and public housing halls, by qualified nutritionists from a public health service and adult literacy…

Literacy in South Asia.

ERIC Educational Resources Information Center

Srivastava, R. N.

1983-01-01

A study of the various facets and dimensions of literacy programs in South Asia indicates that literacy is viewed as a means of human resource development geared toward meaningful participation of all sectors in society, with individual programs varying according to the magnitude of illiteracy, national goals, linguistic setting, and regional…

Evaluation Study of "Language, Literacy, & Vocabulary!" Spring 2006 Pilot

ERIC Educational Resources Information Center

McNabb, Mary

2006-01-01

Purpose: A pilot study of the "Language, Literacy, & Vocabulary!" program was conducted by Learning Gauger, Inc., for National Geographic School Publishing, in spring 2006. The program evaluation examined the classroom adoption approaches used by participating teachers and the subsequent impact of the "Language, Literacy, &…

Literacy Education Action.

ERIC Educational Resources Information Center

Clymer, Carol

The Literacy Education Action (LEA) program was established in the fall of 1985 under the initiative of the president of the El Paso Community College (Texas). During 1985 and 1986, LEA concentrated on developing its own literacy tutoring program, including recruiting and training volunteers and community members with reading skills below the…

Literacy Training in Penal Institutions.

ERIC Educational Resources Information Center

Gold, Patricia Cohen

Most presently existing literacy training programs for inmates in America's prisons are inadequate. Before program planners and developers can remedy this situation, they must be able to obtain accurate information on the numbers of illiterate inmates and the numbers of inmates currently receiving literacy instruction in America's prisons. The…

Factors Affecting the Disposition of Research-Based Innovations in the Development of a Basal Reading Program: A Case Analysis.

ERIC Educational Resources Information Center

Wile, J. M.

A study investigated how the beliefs of literacy scholars affect the development of basal reading programs, the roles literacy scholars play in the development of new reading programs, and some of the critical factors that affect the disposition of innovative ideas. Two literacy scholars who had actively collaborated on the development of separate…

De aquí y de allá: Changing Perceptions of Literacy through Food Pedagogy, Asset-Based Narratives, and Hybrid Spaces

ERIC Educational Resources Information Center

Durá, Lucía; Salas, Consuelo; Medina-Jerez, William; Hill, Virginia

2015-01-01

In this article we describe La Escuelita Afterschool Program, an interdisciplinary, inter-institutional, after-school literacy partnership on the U.S.-Mexico border. The Escuelita Program used food pedagogy to tap into funds of knowledge, bridging home and school literacies. In doing so, the program challenged deficit thinking and enhanced K-6…

Can the Problem of Illiteracy Be Solved? A View Based on AVC Edmonton's Adult Basic Education Program.

ERIC Educational Resources Information Center

Burghardt, F. F.

An estimated 850,000 Canadian adults lack basic literacy skills. An examination of the profile and achievements of the students enrolled in the literacy education program at the Alberta Vocational Centre in Edmonton indicates that like the many other types in the broad range of adult literacy programs, the highly structured nature of the Edmonton…

Do We Need to Understand the Technology to Get to the Science? A Systematic Review of the Concept of Computer Literacy in Preventive Health Programs

ERIC Educational Resources Information Center

Dominick, Gregory M.; Friedman, Daniela B.; Hoffman-Goetz, Laurie

2009-01-01

Objective: To systematically review definitions and descriptions of computer literacy as related to preventive health education programs. Method: A systematic review of the concept of computer literacy as related to preventive health education was conducted. Empirical studies published between 1994 and 2007 on prevention education programs with a…

A Randomized Controlled Trial of a Response-to-Intervention (RTI) Tier 2 Literacy Program: Leveled Literacy Intervention (LLI)

ERIC Educational Resources Information Center

Ransford-Kaldon, Carolyn; Flynt, E. Sutton; Ross, Cristin

2011-01-01

The purpose of this study was twofold: (1) to determine the efficacy of the Leveled Literacy Intervention program (LLI) in increasing reading achievement for K-2 students and (2) to examine LLI program implementation fidelity. This study evaluated LLI in two U.S. school districts and used a mixed-method design to address the following key research…

Their Words and Worlds: English as a Second Language Students in Adult Basic Education Literacy Programs

ERIC Educational Resources Information Center

Csepelyi, Tünde

2010-01-01

The focus of this article is on adult literacy in adult basic education (ABE) programs with special emphasis on English as a Second Language (ESL) students. The article intends to highlight several relevant points in ABE ESL literacy instruction. It focuses on (a) the nature of adult learning, (b) the structure of ABE programs, (c) who the…

34 CFR 1100.12 - What applications are not evaluated for funding?

Code of Federal Regulations, 2010 CFR

2010-07-01

... applications for Literacy Leader Fellowship funds; (c) The application does not contain the information...) NATIONAL INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM How...

34 CFR 1100.12 - What applications are not evaluated for funding?

Code of Federal Regulations, 2011 CFR

2011-07-01

... applications for Literacy Leader Fellowship funds; (c) The application does not contain the information...) NATIONAL INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM How...

Family Planning & Literacy.

ERIC Educational Resources Information Center

International Planned Parenthood Federation, London (England).

This publication is an International Planned Parenthood Federation (IPPF) annotated bibliography of books and articles concerned with family planning and literacy. The subject is divided into four major listings: (1) Literacy; (2) Education; (3) Literacy and Family Planning; and (4) Functional Literacy/Family Planning Projects and Programs.…

34 CFR 1100.33 - What reports are required?

Code of Federal Regulations, 2010 CFR

2010-07-01

... LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM What Conditions Must Be Met by... how the activities performed and results achieved could be used to enhance literacy practice in the...

Family Literacy Report.

ERIC Educational Resources Information Center

Illinois Literacy Resource Development Center, Rantoul.

Seven model family literacy programs in Illinois were monitored for one year to determine successful program components and characteristics and to assist local programs in developing and implementing practical evaluation systems. Six were networking programs each of which involved several agencies, and one program was designed on a center-based…

Immigrant Learners and Their Families: Literacy To Connect the Generations. Language in Education: Theory & Practice 84.

ERIC Educational Resources Information Center

Weinstein-Shr, Gail, Ed.; Quintero, Elizabeth, Ed.

Teachers' and developers' descriptions of intergenerational literacy programs for immigrants are collected here. Topics addressed include appropriate program design, the quality of intergenerational collaboration, student journals, learner-centered curriculum design, traditional and personal storytelling as a literacy approach, education and…

Families Learning Together in Colorado: A Report on Family Literacy.

ERIC Educational Resources Information Center

Anderson, Jean E.

This report, which is intended for individuals developing family literacy (FL) programs, contains background information on the research, development, operation, evaluation, and outcomes of federal- and state-level FL initiatives. Discussed in section 1 are the following topics: the importance/benefits of FL programs; definitions of literacy and…

Migrant Students' Emergent Conscientization through Critical, Socioculturally Responsive Literacy Pedagogy

ERIC Educational Resources Information Center

Stevenson, Alma; Beck, Scott

2017-01-01

This article analyzes data from a summer literacy program for intermediate and middle-level children of migrant farmworkers. The program was grounded in a sociocultural perspective on literacy, stressing the importance of interaction and collaboration within socioculturally responsive pedagogy, using enabling literature to empower students.…

The Northeast Texas Adult Education Rural Workplace Literacy Program. Annual Performance Report.

ERIC Educational Resources Information Center

Barker, Sue; Burns, Kathryn; Bowers, Jana; Pruitt, Jeanni; Pate, Sally

The Northeast Texas Adult Education Rural Education Workplace Literacy Program, which is a partnership between Northeast Texas Community College and area businesses, offers workplace literacy instruction designed around job-specific basic skills. Training is offered in the following: applied workplace technology; applied math skills; measurements…

Progress and Accountability in Family Literacy: Lessons from a Collaborative Approach.

ERIC Educational Resources Information Center

Ryan, Katherine E.; And Others

1996-01-01

The implementation of a collaborative approach to evaluating family literacy programs was studied using a conceptual framework and applied to 36 family literacy programs from a midwestern state. Evaluation participants learned how results could be used to develop curriculum in addition to reporting to funding agencies. (SLD)

Literacy as Social Action in City Debate

ERIC Educational Resources Information Center

Cridland-Hughes, Susan

2012-01-01

This study examines critical literacy and the intersections of oral, aural, written, and performative literate practices in City Debate, an afterschool program dedicated to providing debate instruction to students in a major Southeastern city. Previous research into definitions and beliefs about literacy in an urban debate program over its twenty…

Advanced Foreign Language Learning: A Challenge to College Programs. Issues in Language Program Direction.

ERIC Educational Resources Information Center

Byrnes, Heidi, Ed.; Maxim, Hiram H., Ed.

This book includes the following chapters: "Literacy and Advanced Foreign Language Learning: Rethinking he Curriculum" (Richard G. Kern); "A Template for Advanced Learner Tasks: Staging Genre Reading and Cultural Literacy Through the Precis" (Janet Swaffar); "Fostering Advanced L2 Literacy: A Genre-Based, Cognitive…

Iowa's Community College Adult Literacy Annual Report. Program Year 2007, July 1, 2006-June 30, 2007

ERIC Educational Resources Information Center

Division of Community Colleges and Workforce Preparation, Iowa Department of Education, 2007

2007-01-01

This comprehensive document replaces the previously published Benchmark Report, Benchmark Report Executive Summary, Iowa's Community College Basic Literacy Skills Credential Report, Iowa GED Statistical Report, GED Annual Performance Report and Iowa's Adult Literacy Program National Reporting System Annual Performance Report (Graphic…

Reading Success: Validation of a Specialized Literacy Program (1978-2007)

ERIC Educational Resources Information Center

Idol, Lorna

2010-01-01

Reading Success is an individualized teacher-guided literacy program proven for 663 students who experienced difficulty with reading. The students had learning disabilities, mild mental retardation, and behavior challenges; were at risk for school failure; or were transitioning from speaking Spanish to English and experiencing literacy problems.…

34 CFR 1100.4 - What regulations apply?

Code of Federal Regulations, 2010 CFR

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false What regulations apply? 1100.4 Section 1100.4 Education Regulations of the Offices of the Department of Education (Continued) NATIONAL INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM § 1100.4 What regulations apply? This program is...

Transitions: A Mental Health Literacy Program for Postsecondary Students

ERIC Educational Resources Information Center

Potvin-Boucher, Jacqueline; Szumilas, Magdalena; Sheikh, Tabinda; Kutcher, Stan

2010-01-01

Enhancement of mental health literacy is a mental health promotion strategy that may be effective at destigmatizing mental illness and increasing self-seeking behavior. Transitions is a mental health literacy program intended to heighten students' awareness and discussion of mental health problems and promote help-seeking behaviors. Transitions…

Developing an Employee Volunteer Literacy Program. BCEL Bulletin. Issue No. 1.

ERIC Educational Resources Information Center

BCEL Bulletin, 1986

1986-01-01

This bulletin aims to provide guidance to business companies in developing an employee volunteer literacy program in which employees volunteer their time to assist in such aspects of community adult literacy campaigns as advocacy, public relations, fundraising, community leadership, and tutoring. A section on assessing local community needs…

Arlington/Alexandria 1990-1991 REEP Workplace Literacy Training Project. Final Evaluation Report.

ERIC Educational Resources Information Center

Peterson, Morris

As part of the National Workplace Literacy Program, the 1990-1991 Arlington Education and Employment Program (REEP) served 333 functionally illiterate limited English proficient (LEP) adults working in Virginia hotels at entry level jobs in housekeeping, food and beverage service, and maintenance. Training in workplace literacy and…

Reduction of Shape and Weight Concern in Young Adolescents: A 30-Month Controlled Evaluation of a Media Literacy Program

ERIC Educational Resources Information Center

Wilksch, Simon M.; Wade, Tracey D.

2009-01-01

The effectiveness of a media literacy program in preventing eating disorders among adolescents is studied. Media literacy can be effective in helping reduce shape and weight concern and other eating disorder risk factors in adolescents over the long term.

The Use of Standardized Patients to Teach Low-Literacy Communication Skills

ERIC Educational Resources Information Center

Manning, Kimberly D.; Kripalani, Sunil

2007-01-01

Objective: To describe methods for incorporating standardized patients into health literacy training programs. Methods: We discuss aspects of program development that are relatively unique to this educational context. Results: Individuals were recruited to play the role of an average adult with limited health literacy. Methods of recruitment,…

The Use of Technology in Adult Literacy Programs.

ERIC Educational Resources Information Center

Anderson, Jonathan; And Others

This document describes the use of educational technology (including radio, television, computers, telephones, satellites, and optical laser discs) in adult literacy programs in Australia. Chapter 1 describes the scope of the study that resulted in the document and defines both literacy and educational technology. Chapter 2 contains a generalized…

Long Island Workplace Literacy Program. Final Performance Report and Final Evaluation Report.

ERIC Educational Resources Information Center

Silverman, Gene; And Others

The Long Island Workplace Literacy Partnership was established to provide workplace literacy programs for adult workers with inadequate reading, mathematics, communication, English language, and decision-making skills. Four corporations cooperated with the Board of Cooperative Educational Services of Nassau County in the project. The service…

34 CFR 1100.4 - What regulations apply?

Code of Federal Regulations, 2011 CFR

2011-07-01

... 34 Education 4 2011-07-01 2011-07-01 false What regulations apply? 1100.4 Section 1100.4 Education Regulations of the Offices of the Department of Education (Continued) NATIONAL INSTITUTE FOR LITERACY NATIONAL INSTITUTE FOR LITERACY: LITERACY LEADER FELLOWSHIP PROGRAM § 1100.4 What regulations apply? This program is...