A Review of Howard University's Financial Literacy Curriculum

ERIC Educational Resources Information Center

Lindsey-Taliefero, Debby; Kelly, Lynne; Brent, William; Price, Russell

2011-01-01

This article evaluates a financial literacy curriculum at the Howard University (HU) School of Business, by measuring the financial knowledge acquired after participating in a variety of programs. To evaluate the HU curriculum, the National Jump$tart Coalition (NJC) survey was administered to collect data on financial knowledge and demographic…

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...

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…

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

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…

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…

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,…

Teaching OOP with Financial Literacy

ERIC Educational Resources Information Center

Zhu, Hongwei

2011-01-01

Students lose interest in learning programming when the materials are not related to their lives. A challenge facing most students is that they lack the financial literacy necessary to manage their debts. An approach is developed to integrate financial literacy into an object-oriented programming (OOP) course. The approach is effective in…

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…

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…

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…

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: 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",…

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,…

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…

Federal Financial and Economic Literacy Education Programs, 2009

ERIC Educational Resources Information Center

Hung, Angela A.; Mihaly, Kata; Yoong, Joanne K.

2010-01-01

Financial literacy--the ability to use knowledge and skills to manage financial resources effectively for a lifetime of financial well-being--is becoming more and more important as individuals and families become increasingly responsible for their own long-term financial well-being. Financial and economic literacy education programs have been…

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.

[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.”

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…

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.

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.

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…

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

Financial Literacy Education for Women

ERIC Educational Resources Information Center

Jarecke, Jodi; Taylor, Edward W.; Hira, Tahira K.

2014-01-01

Exploring the pedagogical approaches of four women's financial literacy education programs, this chapter provides an overview of trends and needs in financial education for women and offers pedagogical strategies for teaching women about finance.

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…

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

Pension Plan Types and Financial Literacy in Later Life.

PubMed

Li, Yang; Burr, Jeffrey A; Miller, Edward Alan

2017-09-09

The ongoing shift from defined benefit (DB) to defined contribution (DC) pension plans means that middle-aged and older adults are increasingly being called upon to manage their own fiscal security in retirement. Yet, half of older Americans are financially illiterate, lacking the knowledge and skills to manage financial resources. This study investigates whether pension plan types are associated with varying levels of financial literacy among older Americans. Cross-sectional analyses of the 2010 Health and Retirement Study (HRS) (n = 1,281) using logistic and linear regression models were employed to investigate the association between different pension plans and multiple indicators of financial literacy. The potential moderating effect of gender was also examined. Respondents with DC plans, with or without additional DB plans, were more likely to correctly answer various financial literacy questions, in comparison with respondents with DB plans only. Men with both DC and DB plans scored significantly higher on the financial literacy index than women with both types of plans, relative to respondents with DB plans only. Middle-aged and older adults, who are incentivized by participation in DC plans to manage financial resources and decide where to invest pension funds, tend to self-educate to improve financial knowledge and skills, thereby resulting in greater financial literacy. This finding suggests that traditional financial education programs may not be the only means of achieving financial literacy. Further consideration should be given to providing older adults with continued, long-term exposure to financial decision-making opportunities. © The Author 2017. 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.

Financial Literacy of High School Students: Evidence from Germany

ERIC Educational Resources Information Center

Erner, Carsten; Goedde-Menke, Michael; Oberste, Michael

2016-01-01

After graduating high school, underage individuals soon face ever more complex and important financial decisions. Pivotal to the development of improved financial literacy programs is a comprehensive examination of financial literacy levels and potentially related factors. The authors conducted a survey among German high school students and found…

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.

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

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

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…

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…

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. 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,…

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.

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

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.

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

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.

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.

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.

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.

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

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…

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 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…

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.

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,…

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…

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…

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…

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

Development of a financial literacy course for patients with newly diagnosed cancer.

PubMed

Shankaran, Veena; Linden, Hannah; Steelquist, Jordan; Watabayashi, Kate; Kreizenbeck, Karma; Leahy, Tony; Overstreet, Karen

2017-03-01

Although patients with cancer often face serious financial hardships, few studies have reported on strategies to mitigate this burden. Improving literacy about the financial aspects of cancer care may decrease the negative financial impact of cancer diagnosis and treatment. We obtained input from patient stakeholders on the perceived value and optimal design of a financial literacy program in the advanced cancer setting. Prospective cohort survey.  A series of semi-structured interviews were conducted, during which patients with either colorectal or breast cancer were asked to describe the impact of cancer on their finances and employment, to state their preferences about discussing costs with their providers, and to give input on development of a financial literacy course. Twenty-one patients (76% Caucasian) completed interviews, the majority of whom had Medicare or commercial insurance (71%). Lost income from early retirement or disability was the most financially burdensome experience for 67% of patients. The majority of patients (76%) reported that a financial literacy course would be helpful in navigating the cost of cancer care. Most preferred the course be administered at diagnosis in a live group format. Feedback from patients with cancer supported the development of a group financial literacy course that addresses barriers to discussing cost concerns, employment changes during cancer, and available resources for financial assistance.

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 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.…

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.

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…

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…

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.

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

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

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…

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 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…

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.

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.

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,…

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…

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.

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

[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.

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 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…

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…

Financial Literacy of 15-Year-Olds: Results from PISA 2012. Data Point. NCES 2014-102

ERIC Educational Resources Information Center

Gonzales, Patrick; Kelly, Dana

2014-01-01

This Data Point uses data from the 2012 administration of the Program for International Student Assessment (PISA) financial literacy assessment. PISA is an international assessment that measures 15-year-old students' reading, mathematics, and science literacy and, in 2012, general problem solving and financial literacy. PISA is coordinated by the…

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.…

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…

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

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

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.

The Impact of The Stock Market Game on Financial Literacy and Mathematics Achievement: Results from a National Randomized Controlled Trial

ERIC Educational Resources Information Center

Hinojosa, Trisha; Miller, Shazia; Swanlund, Andrew; Hallberg, Kelly; Brown, Megan; O'Brien, Brenna

2010-01-01

The Stock Market Game[TM] is an educational program supported by the Securities Industry and Financial Markets Association (SIFMA) Foundation for Investor Education. The program is designed to teach students the importance of saving and investing by building their financial literacy skills. The primary focus of the study was to measure the impact…

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 Review of Financial-Literacy Education Programs for Children and Adolescents

ERIC Educational Resources Information Center

Amagir, Aisa; Groot, Wim; Maassen van den Brink, Henriëtte; Wilschut, Arie

2018-01-01

In this systematic literature review, we evaluate the effectiveness of financial-literacy education programs and interventions for children and adolescents. Furthermore, the key characteristics of the design of a successful financial-education curriculum are described. The evidence shows that school-based financial-education programs can improve…

A Phenomenological Study to Discover Low-Income Adults' Perceptions and Expectations Regarding Financial Literacy

ERIC Educational Resources Information Center

Schaffer, Brigid Ann

2013-01-01

This phenomenological study explored the perceptions and expectations of low income adults regarding financial literacy to discover ways to increase attendance in financial literacy programs designs for this cohort. The study utilized interviews with closed-ended questions to establish the participants' backgrounds, then opened-ended questions to…

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…

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…

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 Money Mentors Program: Increasing Financial Literacy in Utah Youths

ERIC Educational Resources Information Center

Garcia, Zurishaddai A.; Francis, Dave; Christensen, Amanda; MacArthur, Stacey S.; Memmott, Margie; Hill, Paul A.

2017-01-01

Utah 4-H and Fidelity Investments collaborated on a program for increasing the financial literacy of teens and children. The collaboration resulted in positive impacts for both Extension and Utah youths. Extension benefited through partnership with a corporation that provided content expertise, volunteers, and funding for a financial literacy…

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…

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…

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,…

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…

Australian Literacies: Informing National Policy on Literacy Education. Second Edition.

ERIC Educational Resources Information Center

Lo Bianco, Joseph; Freebody, Peter

This book is designed to inform national policy on literacy education in Australia. A preamble describes the general literacy crisis in Australia, which includes systematic underperformance in English literacy among some groups and many individuals (who are often seriously disadvantaged in their occupational and educational opportunities). The…

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…

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…

Assessing Literacy: The Framework for the National Adult Literacy Survey.

ERIC Educational Resources Information Center

Campbell, Anne; And Others

To satisfy federal requirements, the National Center for Education Statistics and the Division of Adult Education and Literacy planned a nationally representative household sample survey to assess the literacy skills of the adult population of the United States, to be conducted by the Educational Testing Service with the assistance of Westat, Inc.…

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…

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…

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.

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?…

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…

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.

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…

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…

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…

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...

Student Teachers' Capacity and Willingness to Teach Financial Literacy in Flanders

ERIC Educational Resources Information Center

De Moor, Lieven; Verschetze, Lindsey

2017-01-01

The purpose of this article is to assess the student teachers' capacity and willingness to teach financial literacy in Flanders via on-site paper surveys of 368 final-year teacher education students. We argue that the Flemish teacher education program needs to be revised to introduce financial education in secondary schools. We find that revisions…

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…

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…

Literacy: A Route to Addressing Child Poverty? National Literacy Trust Research Review

ERIC Educational Resources Information Center

National Literacy Trust, 2011

2011-01-01

This short document reviews research into the role of low literacy in poverty and disadvantage. It sets out evidence for the impact of parental engagement in home learning and the significance of attitudes, aspirations and literacy development. The National Literacy Trust hopes that this is a useful resource for those with responsibility for, and…

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…

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…

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…

The 2003 National Assessment of Adult Literacy (NAAL): Performance of African Americans in a National Context

ERIC Educational Resources Information Center

Ngwudike, Benjamin C.

2008-01-01

The 2003 National Assessment of Adult Literacy (NAAL): Performance of African Americans in a National Context Sponsored by the National Center for Education Statistics (NCES) the 2003 NAAL was America's most comprehensive assessment of adult literacy since the 1992 National Adult Literacy Survey (NALS). NAAL was a nationally representative…

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…

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…

Lao National Literacy Survey 2001: Final Report

ERIC Educational Resources Information Center

Online Submission, 2004

2004-01-01

Background: Adult literacy rates are an important indicator for describing the status of education and development within a country. The Lao national literacy survey was undertaken in 2001 to provide a reliable source of literacy data which in turn will determine if the country will reach Education For All (EFA) goals agreed upon at the World…

Literacy: State of the Nation--A Picture of Literacy in the UK Today

ERIC Educational Resources Information Center

Jama, Deeqa; Dugdale, George

2012-01-01

Literacy is the combination of reading, writing, speaking and listening skills we all need to fulfil our potential. These life skills are essential to the happiness, health and wealth of individuals and society. "Literacy: State of the Nation" provides a coherent picture of literacy in the UK today. It reveals that: (1) One in six people…

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…

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…

Literacy Gaps by Educational Attainment: A Cross-National Analysis.

PubMed

Park, Hyunjoon; Kyei, Pearl

2011-03-01

Existing cross-national research on educational attainment does not fully address whether the same level of educational attainment generates the same level of literacy skills in different countries. We analyze literacy skills data for young adults from 19 countries in the 1994-1998 International Adult Literacy Survey and find that in all countries, individuals with a higher level of educational attainment tend to have greater literacy skills. However, there is substantial variation across countries in the size of literacy gaps by levels of educational attainment. In particular, young adults in the United States show the largest literacy gaps. Using two-level hierarchical linear models, we find that cross-national differences in the literacy gap between more- and less-educated individuals are systematically linked to the degree of between-school inequality in school resources (instructional materials, class size, teachers' experience and certification).

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:

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…

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

Literacy Gaps by Educational Attainment: A Cross-National Analysis

PubMed Central

Park, Hyunjoon; Kyei, Pearl

2011-01-01

Existing cross-national research on educational attainment does not fully address whether the same level of educational attainment generates the same level of literacy skills in different countries. We analyze literacy skills data for young adults from 19 countries in the 1994–1998 International Adult Literacy Survey and find that in all countries, individuals with a higher level of educational attainment tend to have greater literacy skills. However, there is substantial variation across countries in the size of literacy gaps by levels of educational attainment. In particular, young adults in the United States show the largest literacy gaps. Using two-level hierarchical linear models, we find that cross-national differences in the literacy gap between more- and less-educated individuals are systematically linked to the degree of between-school inequality in school resources (instructional materials, class size, teachers’ experience and certification). PMID:21818163

Educating for Financial Literacy: A Case Study with a Sociocultural Lens

ERIC Educational Resources Information Center

Sprow Forte, Karin

2013-01-01

This study explored the teaching and learning in an adult financial literacy education program aimed specifically at Latina single mothers to understand the influence of sociocultural factors in this setting. Informed by critical and Latina feminist sociocultural adult learning perspectives and the transtheoretical model of behavior change,…

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…

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.

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…

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.

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…

National Literacy Trust Survey in Partnership with Nursery World: Investigating Communication, Language and Literacy Development in the Early Years Sector

ERIC Educational Resources Information Center

Halden, Amanda; Clark, Christina; Lewis, Fiona

2011-01-01

In May 2011 "Nursery World" and the National Literacy Trust launched its language development survey to celebrate Hello; the national year of communication. The National Literacy Trust teamed up with "Nursery World" to carry out research into the sector's support for children's language and literacy development. Two hundred…

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…

Supporting Youth Transitioning out of Foster Care. Issue Brief 2: Financial Literacy and Asset Building Programs. OPRE Report No. 2014-69

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 financial literacy and asset building services are important to youth currently or formerly in foster care,…

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…

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…

Understanding the Long-Term Benefits of a Latino Financial Literacy Education Program

ERIC Educational Resources Information Center

Meraz, Antonio Alba; Petersen, Cindy M.; Marczak, Mary S.; Brown, Arthur; Rajasekar, Neeraj

2013-01-01

The long-term impact of a Latino financial literacy program was evaluated with a sample of relatively recent immigrant populations in southern Minnesota. Telephone and face-to-face interviews were conducted with participants 6 months post program completion. Results indicate that improvements in knowledge and skills were retained and that these…

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…

The Effectiveness of Financial Literacy Instruction: The Role of Individual Development Accounts Participation and The Intensity of Instruction

ERIC Educational Resources Information Center

Bhattacharya, Radha; Gill, Andrew; Stanley, Denise

2016-01-01

We examine improvements in financial knowledge for 8th-grade participants in our financial fitness camp, part of our multifaceted financial literacy program. Eighty-three students enrolled in the camp, and 59 had individual development accounts (IDA). We address several issues raised in the literature by focusing on low-income, predominantly…

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…

Sparks Fade, Knowledge Stays: The National Early Literacy Panel's Report Lacks Staying Power

ERIC Educational Resources Information Center

Neuman, Susan B.

2010-01-01

In this article, the author talks about "Developing Early Literacy," the report of the National Early Literacy Panel. The panel, which consisted of nine experts, was convened by the National Institute for Literacy to synthesize the research on the development of literacy from birth through age 5. Over the eight years of their work, only 190…

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…

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…

Availability of Products from National Workplace Literacy Grants (1992-93).

ERIC Educational Resources Information Center

Office of Vocational and Adult Education (ED), Washington, DC. Div. of Adult Education and Literacy.

This publication lists some of the curriculum resources that were produced through the National Workplace Literacy Program, Section 371 of the Adult Education Act, as amended by the National Literacy Act of 1991. The curriculum resources in this publication were developed during 1992-1993 of the demonstration program. The curriculum materials are…

"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…

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…

Literacy for the Twenty-First Century: Research, Policy, Practices, and the National Adult Literacy Survey.

ERIC Educational Resources Information Center

Smith, M. Cecil, Ed.

This book focuses on results from secondary analyses of the National Adult Literacy Survey (NALS) and implications of these analyses for policy, practice, and further research on adult literacy. Part I contains an introduction and three additional chapters that provide a substantive summary of the NALS and its purposes: "Introduction: Adult…

Financial Literacy and Education as an Asset Development Strategy: The Potential of IDA Saving Clubs at Community Action Agencies

ERIC Educational Resources Information Center

Parker, Jonas

2010-01-01

In the past two decades, the financial education movement has rapidly grown into a set of policies and programs that aims to empower individuals and families with financial literacy--the attitudes, knowledge, and skills necessary to make and act on informed financial decisions. For low- and moderate-income families in the U.S., this development…

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…

Year 5 Booster Units. The National Literacy Strategy.

ERIC Educational Resources Information Center

Department for Education and Employment, London (England).

The eight units of work in this document are designed to complement existing literacy booster units. Each unit is based on teaching objectives from the National Literacy Strategy Framework. They have been produced with the help of Year 5 teachers and have been trialled with pupils in a range of schools. The units support teachers' work with Year 5…

Health Literacy Impact on National Healthcare Utilization and Expenditure.

PubMed

Rasu, Rafia S; Bawa, Walter Agbor; Suminski, Richard; Snella, Kathleen; Warady, Bradley

2015-08-17

Health literacy presents an enormous challenge in the delivery of effective healthcare and quality outcomes. We evaluated the impact of low health literacy (LHL) on healthcare utilization and healthcare expenditure. Database analysis used Medical Expenditure Panel Survey (MEPS) from 2005-2008 which provides nationally representative estimates of healthcare utilization and expenditure. Health literacy scores (HLSs) were calculated based on a validated, predictive model and were scored according to the National Assessment of Adult Literacy (NAAL). HLS ranged from 0-500. Health literacy level (HLL) and categorized in 2 groups: Below basic or basic (HLS <226) and above basic (HLS ≥226). Healthcare utilization expressed as a physician, nonphysician, or emergency room (ER) visits and healthcare spending. Expenditures were adjusted to 2010 rates using the Consumer Price Index (CPI). A P value of 0.05 or less was the criterion for statistical significance in all analyses. Multivariate regression models assessed the impact of the predicted HLLs on outpatient healthcare utilization and expenditures. All analyses were performed with SAS and STATA® 11.0 statistical software. The study evaluated 22 599 samples representing 503 374 648 weighted individuals nationally from 2005-2008. The cohort had an average age of 49 years and included more females (57%). Caucasian were the predominant racial ethnic group (83%) and 37% of the cohort were from the South region of the United States of America. The proportion of the cohort with basic or below basic health literacy was 22.4%. Annual predicted values of physician visits, nonphysician visits, and ER visits were 6.6, 4.8, and 0.2, respectively, for basic or below basic compared to 4.4, 2.6, and 0.1 for above basic. Predicted values of office and ER visits expenditures were $1284 and $151, respectively, for basic or below basic and $719 and $100 for above basic (P < .05). The extrapolated national estimates show that the annual

National Assessment of Adult Literacy, 2003: Public-Use Data File User's Guide. NCES 2007-464

ERIC Educational Resources Information Center

Greenberg, Elizabeth; Jin, Ying; White, Sheida

2007-01-01

The U.S. Department of Education's National Center for Education Statistics has updated the household and prison public-use data files for the 2003 National Assessment of Adult Literacy and the 1992 National Adult Literacy Survey. The accompanying 2003 National Assessment of Adult Literacy Public-Use Data File User's Guide explains how the data…

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…

Easter School Guidance. The National Literacy and Numeracy Strategies.

ERIC Educational Resources Information Center

Department for Education and Skills, London (England).

This booklet explains the goals of Easter Schools, part of England's National Literacy and Numeracy Strategies. Easter Schools should be planned to cover four half-days and include four literacy and four mathematics lessons each covering the equivalent of at least an hour. The booklet addresses the following issues: why funding has been made…

National Workplace Literacy Program. 1993 Abstracts.

ERIC Educational Resources Information Center

Office of Vocational and Adult Education (ED), Washington, DC. National Workplace Literacy Program.

This publication presents the abstracts of the 57 National Workplace Literacy Program 1993 projects. Each abstract provides the following information: project title; award number; project director; awardee; address; telephone and fax numbers; funds by fiscal year (federal and nonfederal); award period; federal project officer; objectives;…

The National Early Literacy Panel: A Summary of the Process and the Report

ERIC Educational Resources Information Center

Shanahan, Timothy; Lonigan, Christopher J.

2010-01-01

This article summarizes "Developing Early Literacy: Report of the National Early Literacy Panel," which was published in 2008.That report provides an extensive meta-analysis of approximately 300 studies showing which early literacy measures correlate with later literacy achievement. It also provides a series of meta-analyses of a comprehensive…

Technical Report and Data File User's Manual: For the 2003 National Assessment of Adult Literacy. NCES 2009-476

ERIC Educational Resources Information Center

Baldi, Stephane, Ed.; Kutner, Mark; Greenberg, Elizabeth; Jin, Ying; Baer, Justin; Moore, Elizabeth; Dunleavy, Eric; Berlin, Martha; Mohadjer, Leyla; Binzer, Greg; Krenzke, Thomas; Hogan, Jacqueline; Amsbary, Michelle; Forsyth, Barbara; Clark, Lyn; Annis, Terri; Bernstein, Jared; White, Sheida

2009-01-01

The 2003 National Assessment of Adult Literacy (NAAL) assessed the English literacy skills of a nationally representative sample of more than 19,000 U.S. adults (age 16 and older) residing in households and correctional institutions. NAAL is the first national assessment of adult literacy since the 1992 National Adult Literacy Survey (NALS). The…

Health literacy in familial hypercholesterolemia: A cross-national study.

PubMed

Hagger, Martin S; Hardcastle, Sarah J; Hu, Miao; Kwok, See; Lin, Jie; Nawawi, Hapizah M; Pang, Jing; Santos, Raul D; Soran, Handrean; Su, Ta-Chen; Tomlinson, Brian; Watts, Gerald F

2018-06-01

Background High rates of inadequate health literacy are associated with maladaptive health outcomes in chronic disease including increased mortality and morbidity rates, poor treatment adherence and poor health. Adequate health literacy may be an important factor in the effective treatment and management of familial hypercholesterolemia, and may also be implicated in genetic screening for familial hypercholesterolemia among index cases. The present study examined the prevalence and predictors of health literacy in familial hypercholesterolemia patients attending clinics in seven countries. Design Cross-sectional survey. Methods Consecutive FH patients attending clinics in Australia, Brazil, China, Hong Kong, Malaysia, Taiwan and the UK completed measures of demographic variables (age, gender, household income and highest education level) and a brief three-item health literacy scale. Results Rates of inadequate health literacy were lowest in the UK (7.0%), Australia (10.0%), Hong Kong (15.7%) and Taiwan (18.0%) samples, with higher rates in the Brazil (22.0%), Malaysia (25.0%) and China (37.0%) samples. Income was an independent predictor of health literacy levels, accounting for effects of age. Health literacy was also independently related to China national group membership. Conclusions Findings indicate non-trivial levels of inadequate health literacy in samples of familial hypercholesterolemia patients. Consistent with previous research in chronic illness, inadequate health literacy is related to income as an index of health disparities. Chinese familial hypercholesterolemia patients are more likely to have high rates of inadequate health literacy independent of income. Current findings highlight the imperative of education interventions targeting familial hypercholesterolemia patients with inadequate health literacy.

Planning and Administration of National Literacy Programmes: The Indian Experience.

ERIC Educational Resources Information Center

Bordia, Anil

In reporting the history and status of the National Adult Education Programme of India (NAEP), a five-year literacy campaign (1979-84) that was designed to educate approximately 100 million persons, this study emphasizes the program's preparatory phase and its monitoring/evaluation systems. After a survey of the literacy needs and past literacy…

National Conference on Family Literacy. Research Strand Conference Proceedings (22nd, Louisville, Kentucky, April, 2013)

ERIC Educational Resources Information Center

Toso, Blaire Willson, Ed.

2013-01-01

The National Center for Family Literacy (NCFL) presents, alongside the Goodling Institute for Research in Family Literacy at Penn State University, these proceedings from the research strand at the 22nd National Conference on Family Literacy. Through these sessions, NCFL's conference continues to provide the latest research in family education…

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…

Keeping Current. Celebrating National Literacy Month: Media Literacy

ERIC Educational Resources Information Center

Baker, Frank

2004-01-01

There is reason to believe that media literacy is gaining a higher profile in schools across the United States. For the first time, most states' teaching standards include elements of media literacy and textbook publishers are beginning to include media education. The inclusion of "viewing" and media literacy presents school library…

Literacy Skills for 21st Century America: A Foundation for Creating a More Literate Nation.

ERIC Educational Resources Information Center

DeWitt Wallace/Reader's Digest Fund, Pleasantville, NY.

The first meeting of the National Literacy Summit 2000 convened 150 leaders from adult education and literacy and other related fields for a 2-day intensive working meeting to begin building a national consensus on how to move adult and family literacy forward in the 21st century. Comments and suggestions offered by summit participants were…

Closing the Gender Gap: Improved Performance of U.S.-Born Females on the National Assessment of Adult Literacy

ERIC Educational Resources Information Center

Cohen, Dale J.; White, Sheida; Cohen, Steffaney B.

2012-01-01

This study analyzed the current state of the gender literacy gap and the change in the gender literacy gap between 1992 and 2003, using the 1992 National Adult Literacy Survey (NALS) and the 2003 National Assessment of Adult Literacy (NAAL). The results revealed that although there were significant gender literacy gaps in 1992, virtually all…

"Interactive Whole Class Teaching" in the National Literacy Strategy.

ERIC Educational Resources Information Center

Hardman, Frank; Smith, Fay; Wall, Kate

2003-01-01

Presents findings of extensive investigation (n=70) into interactive and discourse styles of a nationally representative sample of primary teachers. Explores impact of official endorsement of interactive whole class teaching in the teaching of England's National Literacy Strategy to examine whether it is promoting pupils' higher interaction 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…

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…

The National Literacy Strategy: The Third Year. An Evaluation by HMI.

ERIC Educational Resources Information Center

Office for Standards in Education, London (England).

The implementation of the National Literacy Strategy (NLS) began in English primary schools at the start of the autumn term, 1998. The purpose of the strategy is to improve standards in literacy. This is the fourth report on NLS by the Office for Standards in Education (OFSTED). It provides a detailed account of the implementation and impact of…

Toward Creation of a National Table for Aboriginal Literacy and Essential Skills (NTALES). Report on Meeting of May 27, 2014

ERIC Educational Resources Information Center

Canadian Literacy and Learning Network, 2014

2014-01-01

The Canadian Literacy and Learning Network (CLLN), in partnership with Aboriginal community leaders and literacy experts, is leading an initiative to create a National Table for Aboriginal Literacy and Essential Skills (NTALES). A potential role of the National Table will be to represent First Nation, Metis and Inuit literacy and essential skills…

A Model and Method of Evaluative Accounts: Development Impact of the National Literacy Mission (NLM of India).

ERIC Educational Resources Information Center

Bhola, H. S.

2002-01-01

Studied the developmental impact of the National Literacy Mission of India, providing an evaluative account based on 97 evaluation studies. Compared findings with those from a 27-study synthesis of studies of effects of adult literacy efforts in Africa. Findings show the impact of literacy on the development of nations. (SLD)

Adult Literacy Action Campaign: Projects around Australia. A Review of State and Territory Level Adult Literacy Projects Funded under the Adult Literacy Action Campaign of the National Policy on Languages. Occasional Paper Number 3.

ERIC Educational Resources Information Center

Australian Advisory Council on Languages and Multicultural Education, Canberra.

This collection of papers is a review of the adult literacy projects in Australia funded under the 1987-89 Adult Literacy Action Campaign (ALAC) of the National Policy on Languages. Fourteen authors describe various literacy projects and, often, their outcomes. The projects described are grouped in seven areas. On the subject of Literacy Training…

Creating a Screening Measure of Health Literacy for the Health Information National Trends Survey.

PubMed

Champlin, Sara; Mackert, Michael

2016-03-01

Create a screening measure of health literacy for use with the Health Information National Trends Survey (HINTS). Participants completed a paper-based survey. Items from the survey were used to construct a health literacy screening measure. A population-based survey conducted in geographic areas of high and low minority frequency and in Central Appalachia. Two thousand nine hundred four English-speaking participants were included in this study: 66% white, 93% completed high school, mean age = 52.53 years (SD = 16.24). A health literacy screening measure was created using four items included in the HINTS survey. Scores could range from 0 (no questions affirmative/correct) to 4 (all questions answered affirmatively/correctly). Multiple regression analysis was used to determine whether demographic variables known to predict health literacy were indeed associated with the constructed health literacy screening measure. The weighted average health literacy score was 2.63 (SD = 1.00). Those who were nonwhite (p = .0005), were older (p < .0005), or had not completed high school (p < .0001) tended to have lower health literacy screening measure scores. This study highlights the need to assess health literacy in national surveys, but also serves as evidence that screening measures can be created within existing datasets to give researchers the ability to consider the impact of health literacy. © The Author(s) 2016.

Literacy in the National Science and Mathematics Standards: Communication and Reasoning. Report Series 3.14.

ERIC Educational Resources Information Center

Kouba, Vicky L.; Champagne, Audrey B.; Piscitelli, Michael; Havasy, Monique; White, Kara; Hurley, Marlene

A study analyzed in detail the perspectives in science and mathematics literacy found in the national standards for science and mathematics. The National Science Education Standards (NSES), the Benchmarks for Science Literacy, the Curriculum and Evaluation Standards for School Mathematics, and the Professional Teaching Standards for School…

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…

Misunderstood Statistical Assumptions Undermine Criticism of the National Early Literacy Panel's Report

ERIC Educational Resources Information Center

Schatschneider, Christopher; Lonigan, Christopher J.

2010-01-01

Many of the methodological criticisms of the National Early Literacy Panel (NELP) report presented in this special issue of "Educational Researcher" are not specific to the NELP report but are in fact broad criticisms of much of the quantitative research on early literacy. This rejoinder demonstrates that these criticisms are off target and are…

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.

Year 6 Planning Exemplification 3. National Literacy Strategy.

ERIC Educational Resources Information Center

Department for Education and Skills, London (England).

Third in a series of booklets designed to assist Year 6 teachers with planning instruction to meet objectives of the National Literacy Strategy, this booklet contains Summer Term planning exemplification for three "revision" units (Narrative, Poetry and Non-fiction) prior to the Key Stage 2 tests and one unit after the tests (Extended…

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.

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,…

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…

Exploring Nutrition Literacy and Knowledge among a National Sample of School Nutrition Managers

ERIC Educational Resources Information Center

Zoellner, Jamie; Carr, Deborah

2010-01-01

Purpose/Objectives: The purpose of this national study was to describe nutrition literacy levels and nutrition knowledge among school nutrition (SN) managers, and explore if barriers to seeking SN information, perceived role in school wellness, and confidence in SN decision making varied by nutrition literacy and knowledge scores. Methods: An…

Association of parental health literacy with oral health of Navajo Nation preschoolers

PubMed Central

Brega, A. G.; Thomas, J. F.; Henderson, W. G.; Batliner, T. S.; Quissell, D. O.; Braun, P. A.; Wilson, A.; Bryant, L. L.; Nadeau, K. J.; Albino, J.

2016-01-01

Health literacy is ‘the capacity to obtain, process and understand basic health information and services needed to make appropriate health decisions’. Although numerous studies show a link between health literacy and clinical outcomes, little research has examined the association of health literacy with oral health. No large-scale studies have assessed these relationships among American Indians, a population at risk for limited health literacy and oral health problems. This analysis was conducted as part of a clinical trial aimed at reducing dental decay among preschoolers in the Navajo Nation Head Start program. Using baseline data for 1016 parent–child dyads, we examined the association of parental health literacy with parents’ oral health knowledge, attitudes, and behavior, as well as indicators of parental and pediatric oral health. More limited health literacy was associated with lower levels of oral health knowledge, more negative oral health attitudes, and lower levels of adherence to recommended oral health behavior. Parents with more limited health literacy also had significantly worse oral health status (OHS) and reported their children to have significantly worse oral health-related quality of life. These results highlight the importance of oral health promotion interventions that are sensitive to the needs of participants with limited health literacy. PMID:26612050

Evaluation of National Geographic School Publishing Nonfiction Literacy Materials. Summary Report.

ERIC Educational Resources Information Center

Metcalf, Kim K.; Smith, Carl B.; Legan, Natalie A.

During the 2001-02 academic year, a purposive, national evaluation was undertaken of "Windows on Literacy" and "Reading Expeditions," two new school-based programs produced by the School Publishing Division of the National Geographic Society (NGS). The evaluation sought to determine the efficacy of the new materials for…

Improving Adolescent Literacy Is Essential to National Welfare

ERIC Educational Resources Information Center

Armistead, Lew

2010-01-01

Calling students in high school now and in coming years "the people who will envision the future of our nation and chart our course through the 21st century and beyond," the Carnegie Corporation of New York (CCNY) has called in a new report for improvements in adolescent literacy if students are to succeed in college and careers. The report, "Time…

Assessment of patient health literacy: a national survey of plastic surgeons.

PubMed

Vargas, Christina R; Chuang, Danielle J; Lee, Bernard T

2014-12-01

Health literacy affects patient participation, compliance, and outcomes. Nearly half of American adults have inadequate functional health literacy. Identification and accommodation of patients with low literacy is an important goal of the American Medical Association, U.S. Department of Health and Human Services, and the Healthy People 2020 initiative. This study aims to assess plastic surgeons' perception of patient literacy. A survey was distributed to American Society of Plastic Surgeons members about time devoted to patient counseling, use of techniques for evaluating and enhancing patient understanding, perception of level of education, and estimated literacy. Participation was voluntary and data were collected anonymously using an online survey tool. There were 235 participants in the survey (9.9 percent response rate). Patient literacy was most frequently assessed using their general impression (62.2 percent) and by asking patients about their employment (37.3 percent); 26.2 percent did not assess literacy. The majority of surgeons (62 percent) reported spending at least 20 minutes counseling new patients, and 37 percent reported spending more than 30 minutes. Lay terminology (94 percent) and pictures/diagrams (84.6 percent) were common patient education aids, whereas only 8.1 percent use teach-back methods. Plastic surgeons overestimated the level of education and reading level of their patients compared with national data. Formal assessment of health literacy is rarely performed, as most plastic surgeons use a general impression. Although plastic surgeons devote significant time to patient counseling, evidence-based communication methods, such as the teach-back method, are underused. Simple, directed questions can identify patients with low literacy skills, to accommodate their communication needs.

Association of parental health literacy with oral health of Navajo Nation preschoolers.

PubMed

Brega, A G; Thomas, J F; Henderson, W G; Batliner, T S; Quissell, D O; Braun, P A; Wilson, A; Bryant, L L; Nadeau, K J; Albino, J

2016-02-01

Health literacy is 'the capacity to obtain, process and understand basic health information and services needed to make appropriate health decisions'. Although numerous studies show a link between health literacy and clinical outcomes, little research has examined the association of health literacy with oral health. No large-scale studies have assessed these relationships among American Indians, a population at risk for limited health literacy and oral health problems. This analysis was conducted as part of a clinical trial aimed at reducing dental decay among preschoolers in the Navajo Nation Head Start program. Using baseline data for 1016 parent-child dyads, we examined the association of parental health literacy with parents' oral health knowledge, attitudes, and behavior, as well as indicators of parental and pediatric oral health. More limited health literacy was associated with lower levels of oral health knowledge, more negative oral health attitudes, and lower levels of adherence to recommended oral health behavior. Parents with more limited health literacy also had significantly worse oral health status (OHS) and reported their children to have significantly worse oral health-related quality of life. These results highlight the importance of oral health promotion interventions that are sensitive to the needs of participants with limited health literacy. © The Author 2015. Published by Oxford University Press. All rights reserved. For permissions, please email: journals.permissions@oup.com.

Teacher--Pupil Dialogue with Pupils with Special Educational Needs in the National Literacy Strategy

ERIC Educational Resources Information Center

Hardman, Frank; Smith, Fay; Wall, Kate

2005-01-01

This paper reports on an investigation into the interactive and discourse styles of a nationally representative sample of primary teachers (n =70) as they work with pupils who experience difficulties in literacy development during whole class and groupbased sections of the literacy hour. Using a computerized observation schedule and discourse…

3 CFR 8429 - Proclamation 8429 of October 1, 2009. National Information Literacy Awareness Month, 2009

Code of Federal Regulations, 2010 CFR

2010-01-01

... communication technologies, including computers and mobile devices that can help in our day-to-day... Information Literacy Awareness Month, 2009 8429 Proclamation 8429 Presidential Documents Proclamations Proclamation 8429 of October 1, 2009 Proc. 8429 National Information Literacy Awareness Month, 2009By the...

Summative Evaluation of the National Literacy Secretariat. Final Report

ERIC Educational Resources Information Center

Human Resources and Skills Development Canada, 2004

2004-01-01

The National Literacy Secretariat (NLS) is a grants and contributions initiative established in 1987. The NLS has two objectives: (1) To increase opportunities and take-up, so that people improve their reading and writing skills; and (2) To work towards making Canada's social, economic and political life more accessible to those with weak literacy…

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.

Review of Adult Learning and Literacy, Volume 5. Connecting Research, Policy, and Practice: A Project of the National Center for the Study of Adult Learning and Literacy

ERIC Educational Resources Information Center

Comings, John, Ed.; Garner, Barbara, Ed.; Smith, Cristine, Ed.

2005-01-01

"The Review of Adult Learning and Literacy: Connecting Research, Policy, and Practice, Volume 5" is a volume in a series of annual publications of the National Center for the Study of Adult Learning and Literacy (NCSALL) that address major issues, the latest research, and the best practices in the field of adult literacy and learning.…

Review of Adult Learning and Literacy, Volume 4. Connecting Research, Policy, and Practice: A Project of the National Center for the Study of Adult Learning and Literacy

ERIC Educational Resources Information Center

Comings, John, Ed.; Garner, Barbara, Ed.; Smith, Cristine, Ed.

2004-01-01

"The Review of Adult Learning and Literacy: Connecting Research Policy, and Practice, Volume 4" is an addition to a series of annual publications of the National Center for the Study of Adult Learning and Literacy (NCSALL) that address major issues, the latest research, and the best practices in the field of adult literacy and learning.…

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).

Financial Analysis of National University Hospitals in Korea.

PubMed

Lee, Munjae

2015-10-01

This paper provides information for decision making of the managers and the staff of national university hospitals. In order to conduct a financial analysis of national university hospitals, this study uses reports on the final accounts of 10 university hospitals from 2008 to 2011. The results of comparing 2008 and 2011 showed that there was a general decrease in total assets, an increase in liabilities, and a decrease in total medical revenues, with a continuous deficit in many hospitals. Moreover, as national university hospitals have low debt dependence, their management conditions generally seem satisfactory. However, some individual hospitals suffer severe financial difficulties and thus depend on short-term debts, which generally aggravate the profit and loss structure. Various indicators show that the financial state and business performance of national university hospitals have been deteriorating. These research findings will be used as important basic data for managers who make direct decisions in this uncertain business environment or by researchers who analyze the medical industry to enable informed decision-making and optimized execution. Furthermore, this study is expected to contribute to raising government awareness of the need to foster and support the national university hospital industry.

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…

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…

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…

Bridging the Literacy Gap between Boys and Girls: An Opportunity for the National Year of Reading 2012

ERIC Educational Resources Information Center

Henry, Katya; Lagos, Anna; Berndt, Frances

2012-01-01

Literacy achievement is one of the most reliable indicators of educational, social, and economic success. In 2012, the National Year of Reading, boys still make up the majority of students struggling with literacy skills. Boys' literacy is an issue that affects us all. This paper provides an overview of research related to boys and reading, and…

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…

College of Lake County National Workplace Literacy Program. Final Report.

ERIC Educational Resources Information Center

Gee, Mary Kay

The College of Lake County's 3-year National Workplace Literacy Program (1994-1997) contributed to economic development by meeting companies' changing educational and production needs as they fluctuated and met new challenges for global marketing and improvement. It assessed 883 employees at 8 business sites with customized assessment tools and…

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...

Financial Analysis of National University Hospitals in Korea

PubMed Central

Lee, Munjae

2015-01-01

Objectives This paper provides information for decision making of the managers and the staff of national university hospitals. Methods In order to conduct a financial analysis of national university hospitals, this study uses reports on the final accounts of 10 university hospitals from 2008 to 2011. Results The results of comparing 2008 and 2011 showed that there was a general decrease in total assets, an increase in liabilities, and a decrease in total medical revenues, with a continuous deficit in many hospitals. Moreover, as national university hospitals have low debt dependence, their management conditions generally seem satisfactory. However, some individual hospitals suffer severe financial difficulties and thus depend on short-term debts, which generally aggravate the profit and loss structure. Various indicators show that the financial state and business performance of national university hospitals have been deteriorating. Conclusion These research findings will be used as important basic data for managers who make direct decisions in this uncertain business environment or by researchers who analyze the medical industry to enable informed decision-making and optimized execution. Furthermore, this study is expected to contribute to raising government awareness of the need to foster and support the national university hospital industry. PMID:26730356

Improving the Nation's Climate Literacy through the Next Generation Science Standards

NASA Astrophysics Data System (ADS)

Grogan, M.; Niepold, F.; Ledley, T. S.; Gold, A. U.; Breslyn, W. G.; Carley, S.

2013-12-01

Climate Literacy: The Essential Principles of Climate Science (2009) presented the information that is deemed important for individuals and communities to know and understand about Earth's climate, impacts of climate change, and approaches to adaptation or mitigation by a group of federal agencies, science and educational partners. These principles guided the development of the NRC Framework for K-12 Science Education: Practices, Crosscutting Concepts, and Core Ideas (2012) and the Next Generation Science Standards (NGSS, 2013). National Science Foundation recently funded two partnership projects which support the implementation of the climate component of the NGSS using the Climate Literacy framework. The first project, the Climate Literacy and Energy Awareness Network (CLEAN), was launched in 2010 as a National Science Digital Library (NSDL) Pathways project. CLEAN's primary effort is to steward a collection of educational resources around energy and climate topics and foster a community that supports learning about climate and energy topics. CLEAN's focus has been to integrate the effective use of the educational resources across all grade levels - with a particular focus on the middle-school through undergraduate levels (grades 6-16) and align the resources with educational standards. The second project, the Maryland and Delaware Climate Change Education, Assessment and Research (MADE-CLEAR) program is supported by a Phase II Climate Change Education Partnership (CCEP) grant awarded to the University System of Maryland (USM) by the National Science Foundation. The MADE-CLEAR project's related goals are to support innovations in interdisciplinary P-20 (preschool through graduate school) climate change education, and develop new pathways for teacher education and professional development leading to expertise in climate change content and pedagogy. Work in Maryland, Delaware (MADE-CLEAR) and other states on the implementation of the NGSS, that will utilize the

The U.S. National Action Plan to Improve Health Literacy: A Model for Positive Organizational Change.

PubMed

Baur, Cynthia; Harris, Linda; Squire, Elizabeth

2017-01-01

This chapter presents the U.S. National Action Plan to Improve Health Literacy and its unique contribution to public health and health care in the U.S. The chapter details what the National Action Plan is, how it evolved, and how it has influenced priorities for health literacy improvement work. Examples of how the National Action Plan fills policy and research gaps in health care and public health are included. The first part of the chapter lays the foundation for the development of the National Action Plan, and the second part discusses how it can stimulate positive organizational change to help create health literate organizations and move the nation towards a health literate society.

Teachers' Perceptions of Integrating Information and Communication Technologies into Literacy Instruction: A National Survey in the United States

ERIC Educational Resources Information Center

Hutchison, Amy; Reinking, David

2011-01-01

This research explores literacy teachers' perceptions of integrating information communication technologies (ICTs) into literacy instruction. To this end, a national survey of 1,441 literacy teachers in the United States was conducted. The survey provided data concerning the types and levels of reported availability and use of ICTs, beliefs about…

Lawrence Berkeley National Laboratory 2016 Annual Financial Report

DOE Office of Scientific and Technical Information (OSTI.GOV)

Williams, Kim, P.; Williams, Kim, P.

and remain cost-competitive. Through a comprehensive approach to prioritize competing needs, the Lab ended the year in a favorable financial position. The Office of the Chief Financial Officer (OCFO) played a key role in providing analysis and decision support to Executive Leadership, enabling the Lab to enhance its financial management strategies. In FY2016, the OCFO updated its analytic approaches and models to enhance long term financial projections under various funding and investment scenarios, and to assess total cost of ownership for major proposed investments. These improvements provided the new Lab Director and Senior Leadership with more comprehensive information and analytic support for planning and prioritization efforts. Within the OCFO, we focused on core operations and key initiatives defined in our OCFO Strategic Roadmap. The Lab’s Financial System transitioned from stabilization to optimization, with a focus on expanding the financial reporting capabilities considerably. We completed implementation of the eCommerce platform, achieving a notable outcome for the Lab in close partnership with DOE’s Office of Science. In other accomplishments, we launched a financial literacy program to enable Lab managers and staff to understand and execute their financial management and stewardship responsibilities more effectively; made substantial progress in enhancing our Field Finance model that provides financial support to client divisions and areas; developed a business process governance model to define OCFO business processes, clarify roles, and strengthen service delivery; and implemented a Partners in Leadership training program to build leadership capacity among our staff. We completed a ‘refresh’ of our Strategic Roadmap, which now defines our priorities for FY2017-FY2019. As a part of this effort, we made a subtle but important change to the OCFO mission statement to call out the Lab’s research and stewardship mission to sustain the Lab�

Climate Leadership Literacy as a Component of Climate Literacy

NASA Astrophysics Data System (ADS)

Kothavala, D. L.

2014-12-01

How can the 3rd National Climate Assessment be used to go beyond climate change literacy, to include literacy in climate leadership and its improvement? The National Climate Assessment refers to "no-regrets" strategies (i.e., beneficial despite uncertainty), such as, e.g., energy efficiency, cultivating networks, and growing our adaptive capacity. As we cultivate our capacity as a species to pivot, climate leadership performance and its improvement become legitimate - and essential - realms of research, planning, and practice. However, climate leadership across sectors is not yet well-articulated; and operationalizing literacy expressed as 'what to do' may be viewed as overtly prescriptive by scientists. This talk examines approaches and illustrative examples provided in the Climate Assessment at the scale of cities, states, and firms; along with key findings from the National Academies on communicating science to decision makers; in identifying factors to enhance literacy in climate leadership and performance.

Guidance on the Organisation of the National Literacy Strategy in Reception Classes. The National Literacy Strategy.

ERIC Educational Resources Information Center

Department for Education and Employment, London (England).

The importance of appropriate communication, language and literacy learning in the early years cannot be overestimated. Children who enter school with well-developed communication and literacy skills have a considerable advantage over those who have yet to start. In England, children enter Reception classes at different points throughout the…

Developing Literacy in Second-Language Learners: Report of the National Literacy Panel on Language-Minority Children and Youth

ERIC Educational Resources Information Center

August, Diane, Ed.; Shanahan, Timothy, Ed.

2006-01-01

This volume reports the findings of the National Literacy Panel on Language-Minority Children and Youth. The formal charge to the panel--a distinguished group of expert researchers in reading, language, bilingualism, research methods, and education--was to identify, assess, and synthesize research on the education of language-minority children and…

[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.

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.

Literacy in an Information Society.

ERIC Educational Resources Information Center

Breivik, Patricia Senn

1991-01-01

Today's definition of literacy must include the ability to find and evaluate needed information. Proposes a national literacy agenda to change the way information is used in educational settings and provide greater access to expanding information resources. Considers information literacy a means of personal and national empowerment. (DMM)

National Forum on Adult Education and Literacy: Views from Adult Learners (Washington, D.C., September 1997).

ERIC Educational Resources Information Center

Office of Vocational and Adult Education (ED), Washington, DC. Div. of Adult Education and Literacy.

A national forum was conducted in September 1997 to obtain the views of former and current students in adult literacy education programs about challenges they faced and ways to facilitate success for future students. The thoughts of 57 literacy delegates from 44 states were elicited on 4 topics: participants' hopes and expectations; accessibility…

Testing or Transforming Practice: Probing an Icelandic National Initiative to Improve Literacy Education

ERIC Educational Resources Information Center

Sigþórsson, Rúnar

2017-01-01

In the wake of a White Paper on Education Reform, published in 2014 by the Icelandic Ministry of Education, Science and Culture, the minister launched a national initiative to improve literacy education in Icelandic compulsory schools. The White Paper and the national initiative came as a reaction to the disappointing performance of 15-year-olds…

Year 6 Planning Exemplification, 2002-2003. The National Literacy Strategy.

ERIC Educational Resources Information Center

Department for Education and Skills, London (England).

This booklet contains examples of units of work for teaching children in Year 6 as part of the National Literacy Strategy. The seven units are drawn from all three terms in Year 6. Some of the units were written for the Year 6 Exemplification booklets in 2001-2002 and are reproduced in this publication with supplementary resources and/or guidance.…

Interactive Whole Class Teaching in the National Literacy and Numeracy Strategies

ERIC Educational Resources Information Center

Smith, Fay; Hardman, Frank; Wall, Kate; Mroz, Maria

2004-01-01

The study set out to investigate the impact of the official endorsement of 'interactive whole class teaching' on the interaction and discourse styles of primary teachers while teaching the National Literacy and Numeracy Strategies. In both strategies, interactive whole class teaching is seen as an 'active teaching' model promoting high quality…

The Impact of Interactive Whiteboards on Teacher--Pupil Interaction in the National Literacy and Numeracy Strategies

ERIC Educational Resources Information Center

Smith, Fay; Hardman, Frank; Higgins, Steve

2006-01-01

The study set out to investigate the impact of interactive whiteboards (IWBs) on teacher--pupil interaction at Key Stage 2 in the teaching of literacy and numeracy. As part of the National Literacy and Numeracy Strategies, IWBs have been made widely available as a pedagogic tool for promoting interactive whole class teaching. In order to…

Air National Guard Financial Reports on the National Guard and Reserve Equipment Appropriation.

DTIC Science & Technology

1997-12-16

consolidated financial statements for FY 1996 and each succeeding year. In 1981, Congress established the National Guard and Reserve Equipment Appropriation to provide the equipment needed to maintain the readiness of the National Guard and Reserve units. In FY 1996, the Air National Guard received a total of $260.4 million for National Guard and Reserve Equipment programs, The Defense Finance

Toward Defining Literacy.

ERIC Educational Resources Information Center

Venezky, Richard L., Ed.; And Others

This collection of four papers (each with a response) given at a 1987 symposium focuses on a renewed consideration of literacy in America and its implications for national, state, and local policy. The papers include "Definitions of Literacy" (Richard L. Venezky); "Literacy for What Purpose?" (Larry Mikulecky); "Measuring…

Literacy: Tool for Empowering Women.

ERIC Educational Resources Information Center

United Nations, New York, NY. Office of Public Information.

About two-thirds of the 963 million people in the world who cannot read and write are women, according to the United Nations. Women who are illiterate cannot pass on literacy skills to their children. The United Nations proclaimed 1990 International Literacy Year and conducted conferences for literacy. Education for women and girls was designated…

Issues in Planning and Implementing National Literacy Programmes.

ERIC Educational Resources Information Center

Carron, G., Ed.; Bordia, A., Ed.

The following papers were produced by participants and resource persons on specific issues of planning, management and implementation of literacy and post-literacy strategies: "People's Participation and Mobilization: Characteristics of the Literacy Campaigns in China" (Yanwei); "Strategies for Mobilization and Participation of…

Perspectives on Family Literacy.

ERIC Educational Resources Information Center

Literacy Assistance Center, New York, NY.

This joint publication of the journals of the Literacy Assistance Center (LAC) and the National Even Start Association (NESA) focuses on innovative practices and theory in family literacy education, offers an array of perspectives to members of the literacy community, and critically examines some assumptions about literacy in general, as well as…

Technical Report and Data File User's Manual for the 1992 National Adult Literacy Survey.

ERIC Educational Resources Information Center

Kirsch, Irwin; Yamamoto, Kentaro; Norris, Norma; Rock, Donald; Jungeblut, Ann; O'Reilly, Patricia; Berlin, Martha; Mohadjer, Leyla; Waksberg, Joseph; Goksel, Huseyin; Burke, John; Rieger, Susan; Green, James; Klein, Merle; Campbell, Anne; Jenkins, Lynn; Kolstad, Andrew; Mosenthal, Peter; Baldi, Stephane

Chapter 1 of this report and user's manual describes design and implementation of the 1992 National Adult Literacy Survey (NALS). Chapter 2 reviews stages of sampling for national and state survey components; presents weighted and unweighted response rates for the household component; and describes non-incentive and prison sample designs. Chapter…

Cognitive and Social Perspectives for Literacy Research and Instruction. Thirty-Eighth Yearbook of the National Reading Conference.

ERIC Educational Resources Information Center

McCormick, Sandra, Ed.; Zutell, Jerry, Ed.

This yearbook contains 59 selected articles from the National Reading Conference for 1988 which represent a diversity of topics explored through a variety of research paradigms designed to increase understanding of the critical issues of language and literacy. Included in the collection are "Political and Economic Dimensions of Literacy:…

The Surprising Effectiveness of College Scientific Literacy Courses

NASA Astrophysics Data System (ADS)

Hobson, Art

2008-10-01

Research by Jon Miller, professor of Interdisciplinary Studies and director of the International Center for Scientific Literacy at Michigan State University, shows that the U.S. scientific literacy course requirements for nonscience college students pull the United States into second place in international rankings of adult scientific literacy. This despite the poor science scores of U.S. primary and secondary school students as compared with other nations. The far lower adult scientific literacy rankings of most European nations and other industrialized nations appear to be due to the lack of any such college scientific literacy requirement in those nations. Instituting such a requirement in all nations, and improving the quality and quantity of such courses on U.S. campuses, would increase global scientific literacy significantly, arguably doubling Europe's scientific literacy rate. In view of this result and today's crying need for scientific literacy, physics educators should make physics for nonscientists their top priority.

Meeting the Challenges of Literacy Difficulties: Developing a Qualification for Specialist Literacy Teachers.

ERIC Educational Resources Information Center

Limbrick, Libby; Parkhill, Faye; Smith, John

In 2001, the New Zealand Ministry of Education awarded a contract to a consortium of three colleges of education to provide a training program that would lead to a new national literacy qualification for a newly developed specialist literacy teaching position--Resource Teacher: Literacy. Resource Teachers of Literacy are skilled and experienced…

Marking Physical Literacy or Missing the Mark on Physical Literacy? A Conceptual Critique of Canada's Physical Literacy Assessment Instruments

ERIC Educational Resources Information Center

Robinson, Daniel B.; Randall, Lynn

2017-01-01

Margaret Whitehead first introduced the concept of physical literacy over 20 years ago. Since that introduction, physical literacy has been gaining in popularity within many Western physical education and sport contexts. This is particularly true within Canada, where physical literacy has been embraced by two of the nation's most notable national…

IQ variations across time, race, and nationality: an artifact of differences in literacy skills.

PubMed

Marks, David F

2010-06-01

A body of data on IQ collected over 50 years has revealed that average population IQ varies across time, race, and nationality. An explanation for these differences may be that intelligence test performance requires literacy skills not present in all people to the same extent. In eight analyses, population mean full scale IQ and literacy scores yielded correlations ranging from .79 to .99. In cohort studies, significantly larger improvements in IQ occurred in the lower half of the IQ distribution, affecting the distribution variance and skewness in the predicted manner. In addition, three Verbal subscales on the WAIS show the largest Flynn effect sizes and all four Verbal subscales are among those showing the highest racial IQ differences. This pattern of findings supports the hypothesis that both secular and racial differences in intelligence test scores have an environmental explanation: secular and racial differences in IQ are an artifact of variation in literacy skills. These findings suggest that racial IQ distributions will converge if opportunities are equalized for different population groups to achieve the same high level of literacy skills. Social justice requires more effective implementation of policies and programs designed to eliminate inequities in IQ and literacy.

Developing Literacy in Second-Language Learners: Report of the National Literacy Panel on Language-Minority Children and Youth. Executive Summary

ERIC Educational Resources Information Center

August, Diane, Ed.; Shanahan, Timothy, Ed.

2006-01-01

Teaching language-minority students to read and write well in English is an urgent challenge in the nation's K-12 schools. Literacy in English is essential to achievement in every academic subject-and to educational and economic opportunities beyond schooling. Compounding this challenge are increasing numbers and diversity of language-minority…

Forces Changing Our Nation's Future: The Comparative Performance of U.S. Adults and Youth on International Literacy Assessments, the Importance of Literacy/Numeracy Proficiencies for Labor Market Success, and the Projected Outlook for Literacy Proficiencies of U.S. Adults

ERIC Educational Resources Information Center

Sum, Andrew

2007-01-01

This presentation is devoted to four main topics: (1) the comparative performance of U.S. adults and high school students on international literacy assessments; (2) the literacy/numeracy proficiencies of the nation's adults in different educational groups and among those who recently participated in federally-funded adult education programs; (3)…

Assessing the Nation's Literacy: A State Policy Primer.

ERIC Educational Resources Information Center

National Governors' Association, Washington, DC.

This primer is designed to provide a step-by-step guide for state policymakers and state agency officials interested in assessing the literacy skills of the people of their state. Chapter 1 describes the importance of assessing the literacy skills in each state. Literacy is discussed as an economic necessity, a requirement for a healthy democracy,…

Moving toward Collective Impact in Climate Change Literacy: The Climate Literacy and Energy Awareness Network (CLEAN)

ERIC Educational Resources Information Center

Ledley, Tamara Shapiro; Gold, Anne U.; Niepold, Frank; McCaffrey, Mark

2014-01-01

In recent years, various climate change education efforts have been launched, including federally (National Oceanic and Atmospheric Administration, National Aeronautics and Space Administration, National Science Foundation, etc.) and privately funded projects. In addition, climate literacy and energy literacy frameworks have been developed and…

Literacy in Indigenous Communities. Research Series.

ERIC Educational Resources Information Center

van Broekhuizen, L. David

In this research synthesis, notions of literacy from a variety of inclusive rather than exclusive perspectives are presented. Notions of national literacies, mother-tongue literacies, multiple literacies, and bi-literacies are explored. Information and research pertaining to threatened languages, language shift, and language loss is presented,…

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.

Skills for Life: Statement on the National Strategy for Improving Adult Literacy and Numeracy Skills. The Agency Responds.

ERIC Educational Resources Information Center

Rogers, Penny, Ed.

England's Learning and Skills Development Agency welcomes the introduction of a coherent national funding and delivery strategy for adult literacy, numeracy, and English for speakers of other languages (ESOL). The agency believes that the strategy should incorporate the lessons of previous literacy and numeracy initiatives and build on examples of…

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...

Literacy in South America.

ERIC Educational Resources Information Center

Hornberger, Nancy H.

1991-01-01

Literacy in South America must be understood in terms of the linguistic diversity there, where only 2 of 14 nations and territories are monolingual. Oral traditions, standardization of indigenous languages, nonstandard varieties of colonial languages, bilingual education and mother tongue literacy, literacy teaching, and politics are discussed.…

2014 Abridged Technology and Engineering Literacy Framework for the 2014 National Assessment of Educational Progress

ERIC Educational Resources Information Center

National Assessment Governing Board, 2014

2014-01-01

Due to the growing importance of technology and engineering in the educational landscape, and to support America's ability to contribute to and compete in a global economy, the National Assessment Governing Board (NAGB) initiated development of the first NAEP Technology and Engineering Literacy (TEL) Assessment. Relating to national efforts in…

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…

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...

Mental health literacy as a function of remoteness of residence: an Australian national study.

PubMed

Griffiths, Kathleen M; Christensen, Helen; Jorm, Anthony F

2009-03-27

Although there have been many population studies of mental health literacy, little is known about the mental health literacy of people who reside in rural areas. This study sought to determine the impact of remoteness on public knowledge of depression and schizophrenia. The mental health literacy of residents of major cities, inner regional, and outer-remote (including outer regional, remote, and very remote) regions were compared using data from a 2003-04 Australian national survey of the mental health literacy of 3998 adults. Measures included the perceived helpfulness of a range of professionals, non-professionals and interventions, and the causes, prognosis, and outcomes after treatment for four case vignettes describing depression, depression with suicidal ideation, early schizophrenia and chronic schizophrenia. Participant awareness of Australia's national depression initiative and depression in the media, their symptoms of depression and exposure to the conditions depicted in the vignettes were also compared. Mental health literacy was similar across remoteness categories. However, inner regional residents showed superior identification of the disorders depicted in the suicidal ideation and chronic schizophrenia vignettes. They were also more likely to report having heard of Australia's national depression health promotion campaign. Conversely, they were less likely than major city residents to rate the evidence-based treatment of psychotherapy helpful for depression. Both inner regional and outer-remote residents were less likely to rate psychologists as helpful for depression alone. The rural groups were more likely to rate the non-evidence based interventions of drinking and painkillers as helpful for a depression vignette. In addition, outer-remote residents were more likely to identify the evidence based treatment of antipsychotics as harmful for early schizophrenia and less likely to endorse psychiatrists, psychologists, social workers and general

Mental health literacy as a function of remoteness of residence: an Australian national study

PubMed Central

Griffiths, Kathleen M; Christensen, Helen; Jorm, Anthony F

2009-01-01

Background Although there have been many population studies of mental health literacy, little is known about the mental health literacy of people who reside in rural areas. This study sought to determine the impact of remoteness on public knowledge of depression and schizophrenia. Methods The mental health literacy of residents of major cities, inner regional, and outer-remote (including outer regional, remote, and very remote) regions were compared using data from a 2003–04 Australian national survey of the mental health literacy of 3998 adults. Measures included the perceived helpfulness of a range of professionals, non-professionals and interventions, and the causes, prognosis, and outcomes after treatment for four case vignettes describing depression, depression with suicidal ideation, early schizophrenia and chronic schizophrenia. Participant awareness of Australia's national depression initiative and depression in the media, their symptoms of depression and exposure to the conditions depicted in the vignettes were also compared. Results Mental health literacy was similar across remoteness categories. However, inner regional residents showed superior identification of the disorders depicted in the suicidal ideation and chronic schizophrenia vignettes. They were also more likely to report having heard of Australia's national depression health promotion campaign. Conversely, they were less likely than major city residents to rate the evidence-based treatment of psychotherapy helpful for depression. Both inner regional and outer-remote residents were less likely to rate psychologists as helpful for depression alone. The rural groups were more likely to rate the non-evidence based interventions of drinking and painkillers as helpful for a depression vignette. In addition, outer-remote residents were more likely to identify the evidence based treatment of antipsychotics as harmful for early schizophrenia and less likely to endorse psychiatrists, psychologists

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,…

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"…

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…

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…

Federal Literacy Facts: An Update on Literacy-Related Developments at the National Level

ERIC Educational Resources Information Center

Movement for Canadian Literacy, 2004

2004-01-01

This January 2004 issue of "Federal Literacy Facts" contains the following sections: (1) "HRDC splits into two"; (2) "Paul Martin's Promise: Is it good news for literacy?"; (3) Busy months ahead: expect a Throne speech, a federal budget and an election this spring!"; (4) "Finance Minister Ralph Goodale:…

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.

Health Literacy and Social Capital: What Role for Adult Literacy Partnerships and Pedagogy?

ERIC Educational Resources Information Center

Black, Stephen; Balatti, Jo; Falk, Ian

2013-01-01

This paper makes the case for adult literacy (including numeracy) practitioners to play a greater role in health literacy initiatives in Australia. The paper draws on data from a national research project that investigated adult literacy partnerships and pedagogy viewed from a social capital perspective. The primary purpose of the project was to…

Issues and Trends in Literacy Education.

ERIC Educational Resources Information Center

Robinson, Richard D., Ed.; And Others

Developed with practicing teachers in mind, this book presents reprints of 22 articles and excerpts from longer works that deal with the most significant trends and issues facing literacy educators--whole language, phonics, literacy materials, emergent literacy, spelling, assessment, content literacy, vocabulary instruction, national standards,…

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.

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...

Studying Students' Science Literacy: Non-Scientific Beliefs and Science Literacy Measures

NASA Astrophysics Data System (ADS)

Impey, C.; Buxner, S.

2015-11-01

We have been conducting a study of university students' science literacy for the past 24 years. Based on the work of the National Science Board's ongoing national survey of the US public, we have administered the same survey to undergraduate science students at the University of Arizona almost every year since 1989. Results have shown relatively little change in students' overall science literacy, descriptions of science, and knowledge of basic science topics for almost a quarter of a century despite an increase in education interventions, the rise of the internet, and increased access to knowledge. Several trends do exist in students' science literacy and descriptions of science. Students who exhibit beliefs in non-scientific phenomenon (e.g., lucky numbers, creationism) consistently have lower science literacy scores and less correct descriptions of scientific phenomenon. Although not surprising, our results support ongoing efforts to help students generate evidence based thinking.

Health literacy in Europe: comparative results of the European health literacy survey (HLS-EU)

PubMed Central

Pelikan, Jürgen M.; Röthlin, Florian; Ganahl, Kristin; Slonska, Zofia; Doyle, Gerardine; Fullam, James; Kondilis, Barbara; Agrafiotis, Demosthenes; Uiters, Ellen; Falcon, Maria; Mensing, Monika; Tchamov, Kancho; van den Broucke, Stephan; Brand, Helmut

2015-01-01

Background: Health literacy concerns the capacities of people to meet the complex demands of health in modern society. In spite of the growing attention for the concept among European health policymakers, researchers and practitioners, information about the status of health literacy in Europe remains scarce. This article presents selected findings from the first European comparative survey on health literacy in populations. Methods: The European health literacy survey (HLS-EU) was conducted in eight countries: Austria, Bulgaria, Germany, Greece, Ireland, the Netherlands, Poland and Spain (n = 1000 per country, n = 8000 total sample). Data collection was based on Eurobarometer standards and the implementation of the HLS-EU-Q (questionnaire) in computer-assisted or paper-assisted personal interviews. Results: The HLS-EU-Q constructed four levels of health literacy: insufficient, problematic, sufficient and excellent. At least 1 in 10 (12%) respondents showed insufficient health literacy and almost 1 in 2 (47%) had limited (insufficient or problematic) health literacy. However, the distribution of levels differed substantially across countries (29–62%). Subgroups within the population, defined by financial deprivation, low social status, low education or old age, had higher proportions of people with limited health literacy, suggesting the presence of a social gradient which was also confirmed by raw bivariate correlations and a multivariate linear regression model. Discussion: Limited health literacy represents an important challenge for health policies and practices across Europe, but to a different degree for different countries. The social gradient in health literacy must be taken into account when developing public health strategies to improve health equity in Europe. PMID:25843827

National Museum of American History's OurStory Program: History, Literature, and Civic Literacy

ERIC Educational Resources Information Center

Coquillon, Naomi; Wei, Jenny

2011-01-01

In 1998, the Smithsonian's National Museum of American History, Kenneth E. Behring Center launched OurStory: History through Children's Literature, a history and literacy program series for family visitors to the Museum that was designed to help children and adults enjoy exploring history together. Ten years later, to reach a broader, national…

Literacy in India and the Example of Kerala (Changes in Literacy).

ERIC Educational Resources Information Center

Chandran, K. Narayana

1994-01-01

Discusses the National Literacy Mission (NLM) launched in 1988 in India. Notes the barriers to successful campaigns for literacy in India. Describes the reasons for the particularly successful campaign in the state of Kerala, including the fact that it was in every sense a people's campaign. (SR)

Literacy Coaches' Perspectives of Themselves as Literacy Leaders: Results from a National Study of K-12 Literacy Coaching and Leadership

ERIC Educational Resources Information Center

Calo, Kristine M.; Sturtevant, Elizabeth G.; Kopfman, Kimberly M.

2015-01-01

As the face of education and the demands on teachers continues to change in the 21st century, so does the role of the literacy coach in schools across the country. This article explores the changing roles and responsibilities of literacy coaches by sharing the results of a study of 270 literacy coaches around the country. In this article, we share…

Adult Literacy. Cuyahoga County Data Brief

ERIC Educational Resources Information Center

Center on Urban Poverty and Community Development (NJ1), 2010

2010-01-01

There are no direct measures of adult literacy in Cuyahoga County. Instead, this report uses estimates based on a statistical model derived from the National Survey of Adult Literacy. Adult literacy levels range from Level 1 (the most basic) to Level 5 (the most complex). People with Level 1 literacy are at a severe disadvantage in the sense that…

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.

Health literacy in Europe: comparative results of the European health literacy survey (HLS-EU).

PubMed

Sørensen, Kristine; Pelikan, Jürgen M; Röthlin, Florian; Ganahl, Kristin; Slonska, Zofia; Doyle, Gerardine; Fullam, James; Kondilis, Barbara; Agrafiotis, Demosthenes; Uiters, Ellen; Falcon, Maria; Mensing, Monika; Tchamov, Kancho; van den Broucke, Stephan; Brand, Helmut

2015-12-01

Health literacy concerns the capacities of people to meet the complex demands of health in modern society. In spite of the growing attention for the concept among European health policymakers, researchers and practitioners, information about the status of health literacy in Europe remains scarce. This article presents selected findings from the first European comparative survey on health literacy in populations. The European health literacy survey (HLS-EU) was conducted in eight countries: Austria, Bulgaria, Germany, Greece, Ireland, the Netherlands, Poland and Spain (n = 1000 per country, n = 8000 total sample). Data collection was based on Eurobarometer standards and the implementation of the HLS-EU-Q (questionnaire) in computer-assisted or paper-assisted personal interviews. The HLS-EU-Q constructed four levels of health literacy: insufficient, problematic, sufficient and excellent. At least 1 in 10 (12%) respondents showed insufficient health literacy and almost 1 in 2 (47%) had limited (insufficient or problematic) health literacy. However, the distribution of levels differed substantially across countries (29-62%). Subgroups within the population, defined by financial deprivation, low social status, low education or old age, had higher proportions of people with limited health literacy, suggesting the presence of a social gradient which was also confirmed by raw bivariate correlations and a multivariate linear regression model. Limited health literacy represents an important challenge for health policies and practices across Europe, but to a different degree for different countries. The social gradient in health literacy must be taken into account when developing public health strategies to improve health equity in Europe. © The Author 2015. Published by Oxford University Press on behalf of the European Public Health Association.

Adventures in Collaboration: State Literacy Resource Centers.

ERIC Educational Resources Information Center

Siedow, Mary Dunn

Authorized by the National Literacy Act of 1991, state literacy resource centers (SLRCs) are charged with assisting local public and private nonprofit efforts to enhance literacy. SLRCs have developed innovative approaches to their mandate to stimulate the coordination of literacy services. They have encouraged government and industry…

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…

Issues in Literacy: A Research Perspective. Thirty-Fourth Yearbook of the National Reading Conference.

ERIC Educational Resources Information Center

Niles, Jerome A., Ed.; Lalik, Rosary V., Ed.

Reflecting current themes that scholars in reading/language research, by their selective attention, have indicated are important in the field of literacy and learning in natural settings, this yearbook presents a collection of 62 selected research articles from the National Reading Conference for 1984. Included are the following articles, listed…

The Position as Regards Functional Literacy Pilot Projects. Summary.

ERIC Educational Resources Information Center

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

A comparative analysis was made of Experimental World Literacy Program projects in 17 nations (Algeria, Brazil, Chile, Equador, Ethiopia, Guinea, India, Iran, Mali, Jamaica, Madagascar, Nigeria, Sudan, Syria, Tanzania, Tunisia, and Venezuela) after 18 months of operation. Included were functional literacy projects in 10 nations, literacy programs…

Health literacy lost in translations? Introducing the European Health Literacy Glossary.

PubMed

Sørensen, Kristine; Brand, Helmut

2014-12-01

Health literacy has gained momentum in the Western world, yet in Europe the concept of health literacy is only marginally integrated in research, policy and practice. The present paper presents how translation may act as an influential factor with regard to integration of the health literacy notion in Europe. This study has compared five data sources that provide translations of health literacy: The European Union's Health Strategy; the translations applied in the European Health Literacy Project; national health expert opinions and Google Translate. The comparison integrated Peter Fawcett's translation techniques as a framework for analysis. The results showed a total of 28 translations: 22 from the European Union Health Strategy; 6 from the HLS-EU project; 17 from experts; 25 from Google Translate. Some countries are consistent in translations of health literacy, other countries diverge, the reasons being that health literacy is not yet mainstreamed and the translations are primarily driven by a latent polarized discourse of the concept of literacy. The study showed that translations in general reveals enriched insights in the cohesion of health literacy as one notion and provides the European Health Literacy Glossary that can inform health professionals, academia and decision-makers to further advance health literacy across Europe. © The Author (2013). Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

Getting Started: Preparation for the Teaching Programme. Additional Literacy Support. The National Literacy Strategy.

ERIC Educational Resources Information Center

Department for Education and Employment, London (England).

This Getting Started guide contains material presented at a two-day Additional Literacy Support (ALS) training course in the summer of 1999. ALS is designed to help pupils in Key Stage 2 who have already fallen behind in literacy, but who would not otherwise receive any additional support in this area. Each module includes a practical, high…

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…

Bringing Literacy to Life. Issues and Options in Adult ESL Literacy.

ERIC Educational Resources Information Center

Wrigley, Heide Spruck; Guth, Gloria J. A.

The result of a 2-year research study funded under the National English Literacy Demonstration Program for Adults of Limited English Proficiency, this handbook on adult English-as-a-Second-Language (ESL) literacy education represents a synthesis of ideas derived from various sources. It is meant as a resource for teachers who have some experience…

Global 2000 National Workplace Literacy Program. Final Report.

ERIC Educational Resources Information Center

Continuing Education Inst., Needham, MA.

This document is the final report on Global 2000, a 3-year workplace literacy project during which 87% of the 805 employees of 10 Massachusetts manufacturing companies enrolled in workplace literacy classes offered by the Continuing Education Institute (CEI). A total of 61 classes were held and 41 employee-participants earned high school diplomas…

Using Information and Communication Technologies in Adult Literacy Education: New Practices, New Challenges. An Adult Literacy National Project Report

ERIC Educational Resources Information Center

Snyder, Ilana; Jones, Anne; Lo Bianco, Joseph

2005-01-01

In this report, deliberately used is a range of terms to talk about the use of information and communication technologies. The terms include electronic literacy, digital literacy, technological literacy, technoliteracy, multimodal literacies and multiliteracies. There is no argument that the terms are interchangeable, even though they are often…

Reframe, Rename, Revitalise: Future Directions for the Language, Literacy and Numeracy National Reporting System

ERIC Educational Resources Information Center

Perkins, Kate

2005-01-01

The National Reporting System (NRS) was developed to report the outcomes of English language, literacy and numeracy provision in Australia's vocational education and training and adult and community education sectors, and in labour market programs. Since its introduction, however, the NRS has been used as more than a reporting tool. It has also…

Men's depression and suicide literacy: a nationally representative Canadian survey.

PubMed

Oliffe, John L; Hannan-Leith, Madeline N; Ogrodniczuk, John S; Black, Nick; Mackenzie, Corey S; Lohan, Maria; Creighton, Genevieve

2016-12-01

Male suicide prevention strategies include diagnosis and effective management of men's depression. Fundamental to suicide prevention efforts is public awareness, which in turn, is influenced by literacy levels about men's depression and suicide. The aim of this study is to examine sex differences in mental health literacy with respect to men's depression and suicide among a cohort of Canadian respondents. About 901 English-speaking Canadian men and women completed online survey questionnaires to evaluate mental health literacy levels using 10-item D-Lit and 8-item LOSS questionnaires, which assess factual knowledge concerning men's depression and suicide. Statistical tests (Chi-square, z-test) were used to identify significant differences between sex sub-groups at 95% confidence. Overall, respondents correctly identified 67% of questions measuring literacy levels about male depression. Respondents' male suicide literacy was significantly poorer at 53.7%. Misperceptions were especially evident in terms of differentiating men's depressive symptoms from other mental illnesses, estimating prevalence and identifying factors linked to male suicide. Significant sex differences highlighted that females had higher literacy levels than men in regard to male depression. Implementing gender sensitive and specific programs to target and advance literacy levels about men's depression may be key to ultimately reducing depression and suicide among men in Canada.

Extended--and Extending--Literacies

ERIC Educational Resources Information Center

Moje, Elizabeth Birr; Ellison, Tisha Lewis

2016-01-01

We examine the impact of "Becoming a Nation of Readers: The Report of the Commission on Reading" ("BNR") (Anderson, Hiebert, Scott, & Wilkinson, 1985) with the idea of extending literacy learning beyond the early grades, describing present-day conceptions of secondary-school literacy learning, and calling to "further…

Literacy Audit of Maintenance Workers. Final Report.

ERIC Educational Resources Information Center

Gold, Patricia; Packer, Arnold

An 18-month national literacy audit of maintenance worker jobs in multifamily apartment complexes sought to find out: (1) the literacy demands for their job success and promotion; (2) the effects of geographical location on their literacy demands; (3) the effects of management policies on their literacy demands; (4) the impact of illiteracy on…

The national financial adjustment policy and the equalisation of health levels among prefectures.

PubMed

Takano, T; Nakamura, K

2001-10-01

The objectives of this study were to examine (1) trends concerning financial assistance from the national government to local governments, (2) trends regarding death rates and life expectancies among prefectures, and (3) the effect of the national financial adjustment policy in equalising both the revenues of local governments and variations in the health levels among prefectures in terms of death rates and life expectancies. The study analysed prefectural income, the amount of national taxes collected, financial assistance from the national government to local governments, and age adjusted death rates and life expectancies of all of the prefectures in Japan during the period from 1965 through 1995. (1) Under the financial adjustment policy, financial assistance from the national government to the local governments, which consists of the sum of the local allocation tax and treasury disbursements, increased from 1831 billion yen in 1965 to 31 116 billion yen in 1995. (2) During the same period, the age adjusted death rate per 100 000 people decreased from 1168.9 (1965) to 545.3 (1995). The range of variation in the age adjusted death rate among prefectures diminished as the coefficient of variation of the death rate declined from 0.060 in 1965 to 0.043 in 1995. (3) There was a significant statistical correlation between higher prefectural incomes and lower mortality rates during from 1965 until 1975 (p < 0.05), whereas this correlation was indistinct in the 1980s and has not been observed since 1990. (4) The relative health level of Tokyo has declined in terms of its ranking among all the prefectures with regard to life expectancy, from being the best in 1965 to below average in 1995. The national financial adjustment policy to balance the revenues of local governments has increased the health levels of rural prefectures. It is probable that the policy reduced the disparity in death rates and life expectancies among prefectures throughout the country. However, the

Physics Literacy, Energy and the Environment

ERIC Educational Resources Information Center

Hobson, Art

2003-01-01

Socially aware science literacy courses are sorely needed in every nation that is industrialized and democratic. This article puts societal topics into the more general context of science literacy, suggests that socially significant topics can fit comfortably into a physics literacy course, looks at energy and environment issues, and discusses how…

Regional Inequality in Literacy in India.

ERIC Educational Resources Information Center

Tilak, Jandhyala B. G.

1978-01-01

Although India's literacy rate has increased, the faster population growth has increased the nation's total illiteracy. The paper reviews differences in literacy rates among various regions and examines factors to explain this inequality, concluding that compulsory education for children is not enough and that adult literacy campaigns are vital.…

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…

A Peer-Based Financial Planning & Education Service Program: An Innovative Pedagogic Approach

ERIC Educational Resources Information Center

Goetz, Joseph W.; Durband, Dorothy B.; Halley, Ryan E.; Davis, Kimberlee

2011-01-01

This paper presents a peer-based financial planning and education program as a strategy to address the lack of financial literacy among college students and provide an experiential learning opportunity for students majoring in financial planning or other financial services-related disciplines. Benefits of such programs to campus communities are…

Health Literacy Skills in Rural and Urban Populations

ERIC Educational Resources Information Center

Zahnd, Whitney E.; Scaife, Steven L.; Francis, Mark L.

2009-01-01

Objective: To determine whether health literacy is lower in rural populations. Method: We analyzed health, prose, document, and quantitative literacy from the National Assessment of Adult Literacy study. Metropolitan Statistical Area designated participants as rural or urban. Results: Rural populations had lower literacy levels for all literacy…

Beyond Literacy in an Uncertain World.

ERIC Educational Resources Information Center

Delker, Paul V.

Media statements and pronouncements by leaders in various sectors throughout the nation confirm that literacy still means the ability to work with the printed or written word. It is also evident that the term literacy includes more than reading. Literacy encompasses writing, speaking and listening, computing, and even problem-solving skills.…

Home literacy experiences and early childhood disability: a descriptive study using the National Household Education Surveys (NHES) program database.

PubMed

Breit-Smith, Allison; Cabell, Sonia Q; Justice, Laura M

2010-01-01

The present article illustrates how the National Household Education Surveys (NHES; U.S. Department of Education, 2009) database might be used to address questions of relevance to researchers who are concerned with literacy development among young children. Following a general description of the NHES database, a study is provided that examines the extent to which parent-reported home literacy activities and child emergent literacy skills differ for children with (a) developmental disabilities versus those who are developing typically, (b) single disability versus multiple disabilities, and (c) speech-language disability only versus other types of disabilities. Four hundred and seventy-eight preschool-age children with disabilities and a typically developing matched sample (based on parent report) were identified in the 2005 administration of the Early Childhood Program Participation (ECPP) Survey in the NHES database. Parent responses to survey items were then compared between groups. After controlling for age and socioeconomic status, no significant differences were found in the frequency of home literacy activities for children with and without disabilities. Parents reported higher levels of emergent literacy skills for typically developing children relative to children with disabilities. These findings suggest the importance of considering the home literacy experiences and emergent literacy skills of young children with disabilities when making clinical recommendations.

Proceedings of the National Technological Literacy Conference (11th, Arlington, VA, February 8-11, 1996).

ERIC Educational Resources Information Center

Cheek, Dennis W., Ed.; Cheek, Kim A., Ed.

The papers in this volume represent a sampling of the perspectives shared at the 1996 National Technological Literacy Conference. The papers are divided into two sections. Section 1, "STS [science, technology, and society]: Philosophical and Sociological Perspectives," includes: (1) "Relevant Science: STS-Oriented Science Courses for All Students"…

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…

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…

Measuring Literacy: Performance Levels for Adults

ERIC Educational Resources Information Center

Hauser, Robert M., Ed.; Edley, Christopher F., Jr., Ed.; Koenig, Judith Anderson, Ed.; Elliott, Stuart W., Ed.

2005-01-01

The National Assessment of Adult Literacy (NAAL) is a household survey conducted periodically by the Department of Education that evaluates the literacy skills of a sample of adults in the United Stages ages 16 and older. NAAL results are used to characterize adults literacy skills and to inform policy and programmatic decisions. The Committee on…

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.

Serving-Maids and Literacy: An Approach to Teaching Literacy through History and Music.

ERIC Educational Resources Information Center

Turner-Bisset, R.

2001-01-01

Presents a case study of an integrated approach to teaching history, literacy and music, in a Year 6 class. Suggests success was due to use of varied teaching approaches including storytelling, drama, singing and discussion. Emphasizes links between genuine historical tasks, and activities in the National Literacy Strategy. Suggests how music…

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…

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…

National Evaluation of the Even Start Family Literacy Program: Report on Migrant Even Start Projects.

ERIC Educational Resources Information Center

Levin, Marjorie; Gamse, Beth; Swartz, Janet; Tao, Fumiyo; Tarr, Hope

In fall 1994, 14 state Migrant Education Programs were receiving direct federal grants to administer Migrant Even Start projects. These projects provide migrant families with an integrated program of early childhood education, adult education, and parenting education. As part of the national evaluation of the Even Start Family Literacy Program,…

"¡Puño en Alto!" The Nicaraguan Literacy Campaign and What It Means for Literacy Today

ERIC Educational Resources Information Center

Bender-Slack, Delane

2018-01-01

Modern notions of literacy can be informed by past successes in the field of literacy. One of the most successful national literacy campaigns occurred in Nicaragua in 1980 and was called "Cruzada Nacional de Alfabetización" (CNA). The fight against illiteracy to provide a space for marginalized voices in Nicaragua is a story worth…

Literacy, Numeracy and Employability.

ERIC Educational Resources Information Center

Bynner, John

The relationship between literacy, numeracy, and employability was examined by analyzing data on basic skills that were collected in two of Great Britain's birth cohort studies--the National Child Development Study and the 1970 British Cohort Study. The functional literacy and numeracy skills of samples of 10% of the participants in each study…

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…

Measuring science or religion? A measurement analysis of the National Science Foundation sponsored science literacy scale 2006-2010.

PubMed

Roos, J Micah

2014-10-01

High scientific literacy is widely considered a public good. Methods of assessing public scientific knowledge or literacy are equally important. In an effort to measure lay scientific literacy in the United States, the National Science Foundation (NSF) science literacy scale has been a part of the last three waves of the General Social Survey. However, there has been debate over the validity of some survey items as indicators of science knowledge. While many researchers treat the NSF science scale as measuring a single dimension, previous work (Bann and Schwerin, 2004; Miller, 1998, 2004) suggests a bidimensional structure. This paper hypothesizes and tests a new measurement model for the NSF science knowledge scale and finds that two items about evolution and the big bang are more measures of a religious belief dimension termed "Young Earth Worldview" than they are measures of scientific knowledge. Results are replicated in seven samples. © The Author(s) 2013.

Perceived financial retirement preparedness and its correlates: a national study in Israel.

PubMed

Segel-Karpas, Dikla; Werner, Perla

2014-01-01

Studies suggest that a large proportion of adults do not manage to save enough for retirement. Correlates of retirement saving behaviors have yet to be fully understood. The goal of this study was to examine perceived financial preparedness for retirement and its correlates. We studied the effect of perceived financial knowledge and involvement, social and institutional support, and attitudes toward retirement in a national sample of 227 non-retired Israeli adults (mean age = 44; 53% female; 81% Jewish). Results indicated that only about 20% perceived themselves as financially prepared for retirement. The main correlates of financial preparedness were financial knowledge and involvement in financial activities. The results show that a large proportion of the Israeli population feel underprepared for retirement. Those who perceive themselves as having high levels of financial knowledge are less predisposed to feel underprepared. Future research should examine the relationship between perceived financial preparedness and actual savings. © The Author(s) 2015 Reprints and permissions: sagepub.co.uk/journalsPermissions.nav.

Promoting Learning in Libraries through Information Literacy.

ERIC Educational Resources Information Center

Breivik, Patricia Senn; Ford, Barbara J.

1993-01-01

Discusses information literacy and describes activities under the sponsorship of the National Forum on Information Literacy (NFIL) that promotes information literacy in schools and libraries. Activities of member organizations of the NFIL are described, including policy formation, publications, and programs; and the role of the American Library…

Literacies Crossing Borders: Transfronterizo Literacy Practices of Students in a Dual Language Program on the USA-Mexico Border

ERIC Educational Resources Information Center

de la Piedra, Maria Teresa; Araujo, Blanca E.

2012-01-01

Research on transnational literacies has generally focused on youth who live in one country and communicate using digital literacies across national boundaries. Our work contributes to this literature by providing a view of transnational literacies that are unique to the USA-Mexico border region. The students in this ethnographic study navigate…

Comparative Financial Statistics for Public Two-Year Colleges: FY 1993 National Sample.

ERIC Educational Resources Information Center

Dickmeyer, Nathan; Meeker, Bradley

This report provides comparative information derived from a national sample of 516 public two-year colleges, highlighting financial statistics for fiscal year, 1992-93. This report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and statistics presented in a…

Comparative Financial Statistics for Public Two-Year Colleges: FY 1991 National Sample.

ERIC Educational Resources Information Center

Dickmeyer, Nathan; Cirino, Anna Marie

This report provides comparative financial information derived from a national sample of 503 public two-year colleges. The report includes space for colleges to compare their institutional statistics with data provided on national sample medians; quartile data for the national sample; and statistics presented in various formats, including tables,…

Oranges Aren't the Only Fruit. Ask a Gardner: Some Implications of the National Literacy and Numeracy Stategies

ERIC Educational Resources Information Center

Byard, Kevin

2004-01-01

The introduction of the National Literacy and Numeracy strategies in U.K. schools is discussed in the light of Howard Gardner's theory of multiple intelligences. Although the core curriculum is evidently important, it is argued that the introduction of the national strategies has created a possible over-emphasis in these subjects at the expense of…

Literacy across the Curriculum: Connecting Literacy in the Schools, Community and Workplace, 1992-1993.

ERIC Educational Resources Information Center

Literacy across the Curriculum, 1992

1992-01-01

The first of four issues in this volume consists of these articles: "The Fourth 'R'--Relating"; "On Baseball Cards and Literacy"; "On Literacy and Success"; "National Assessments: What They Can and Cannot Do"; and "In the Classroom: The Integrated Journal." It also contains two book reviews and a…

A National Schizophrenia: Orality and Literacy in Blair's Rhetoric.

ERIC Educational Resources Information Center

Harshbarger, Scott

Although questions concerning the effects of literacy on society, culture, and the mind remain problematic for anthropology and psychology, considerations of the role played by orality, literacy, or other media in creating different communicative potentials between writer and reader, should not seem out of place in the discipline of rhetoric. Hugh…

75 FR 42749 - Fidelity National Financial, Inc.; Analysis of the Agreement Containing Consent Order to Aid...

Federal Register 2010, 2011, 2012, 2013, 2014

2010-07-22

... FEDERAL TRADE COMMISSION [File No. 091 0032] Fidelity National Financial, Inc.; Analysis of the... prohibiting unfair or deceptive acts or practices or unfair methods of competition. The attached Analysis to... comments electronically or in paper form. Comments should refer to ``Fidelity National Financial, File No...

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…

Financial Impacts of Foot-and-Mouth Disease at Village and National Levels in Lao PDR.

PubMed

Nampanya, S; Khounsy, S; Abila, R; Young, J R; Bush, R D; Windsor, P A

2016-10-01

To assist policies on Foot-and-Mouth Disease (FMD) control in Laos and the Mekong region, the financial impact of recent outbreaks at village and national levels was examined. Village-level impacts were derived from recent research on financial losses due to FMD per smallholder household and number of households with FMD-affected livestock in the village. National-level impacts of FMD were determined from examination of 2011-2013 FMD reported to the Lao Department of Livestock and Fisheries (DLF), with the 2011 epidemic reported separately due to the large number and size of outbreaks of FMD in that year. Estimates of the national financial impact of FMD were based on (i) total FMD financial losses at the village level and (ii) the costs of FMD responses and other related costs at the DLF, provincial and district levels where FMD was reported, but excluding the costs of revenue forgone. A Monte Carlo simulation was utilized to account for likelihood of FMD over- and under-reporting. Foot-and-mouth disease was recorded in four provinces of Phonsaly, Bokeo, Xayyabouli and Champasak in three consecutive years from 2011 to 2013. However, the FMD epidemic in 2011 was more widely distributed and involved 414 villages in 14 provinces, with thousands of cases of morbidity in cattle and buffalo and some mortalities. The estimated financial losses due to FMD in 2011 were USD 30 881(±23 176) at the village level and USD 13 512 291 at the national level based on the number of villages with FMD outbreaks reported. However, when the likelihood of FMD under-reporting was accounted for, the estimated financial losses at the national level could potentially increase to USD 102 094 464 (±52 147 261), being almost 12% of the estimated farm gate value of the national large ruminant herd. These findings confirm that FMD causes substantial financial impacts in villages and to the national economy of Laos, providing justification for sustained investments in FMD control

Evaluation Report for the Massachusetts Workplace Literacy Consortium. National Workplace Literacy Program Wave 6, Year 3.

ERIC Educational Resources Information Center

Sperazi, Laura; DePascale, Charles A.

The Massachusetts Workplace Literacy Consortium sought to upgrade work-related literacy skills at 22 partner sites in the state. Members included manufacturers, health care organizations, educational institutions, and labor unions. In its third year, the consortium served 1,179 workers with classes in English for speakers of other languages, adult…

A National Investigation of Teachers' Environmental Literacy as a Reference for Promoting Environmental Education in Taiwan

ERIC Educational Resources Information Center

Liu, Shiang-Yao; Yeh, Shin-Cheng; Liang, Shi-Wu; Fang, Wei-Ta; Tsai, Huei-Min

2015-01-01

Taiwan's government enacted the Environmental Education Act in June 2011. In the beginning of the implementation of the Act, a national assessment of schoolteachers' environmental literacy was performed in order to establish the baseline for evaluating the effectiveness of environmental education policy. This large-scale assessment involved a…

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...

Post-literacy and Second State Adult Learning in India.

ERIC Educational Resources Information Center

Rogers, Alan

2002-01-01

Surveys the work accomplished in post-literacy in India as part of the National Literacy Mission. Argues that post-literacy has become an arena of struggle between individual and group goals. Uses interviews and discussions to explore this field. Outlines the concerns being voiced in India about adult literacy learning. (CAJ)

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…

Empowering Learners with Digital and Media Literacy

ERIC Educational Resources Information Center

Hobbs, Renee

2011-01-01

School librarians and teachers are working together in a national movement to bring digital and media literacy to all citizens. When people think of the term "literacy," what generally springs to mind is reading and writing, speaking and listening. These are foundational elements of literacy. But because people use so many different types of…

New Federal Policy Initiatives To Boost Health Literacy Can Help The Nation Move Beyond The Cycle Of Costly ‘Crisis Care’

PubMed Central

Koh, Howard K.; Berwick, Donald M.; Clancy, Carolyn M.; Baur, Cynthia; Brach, Cindy; Harris, Linda M.; Zerhusen, Eileen G.

2016-01-01

Health literacy is the capacity to understand basic health information and make appropriate health decisions. Tens of millions of Americans have limited health literacy—a fact that poses major challenges for the delivery of high-quality care. Despite its importance, health literacy has until recently been relegated to the sidelines of health care improvement efforts aimed at increasing access, improving quality, and better managing costs. Recent federal policy initiatives, including the Affordable Care Act of 2010, the Department of Health and Human Services’ National Action Plan to Improve Health Literacy, and the Plain Writing Act of 2010, have brought health literacy to a tipping point—that is, poised to make the transition from the margins to the mainstream. If public and private organizations make it a priority to become health literate, the nation’s health literacy can be advanced to the point at which it will play a major role in improving health care and health for all Americans. PMID:22262723

Advancing Science Literacy Through the Climate Change National Forum

NASA Astrophysics Data System (ADS)

Nielsen-Gammon, J. W.; Quirke, M.; Lefer, B. L.; Hester, T.

2014-12-01

The Climate Change National Forum (http://climatechangenationalforum.org) was established almost a year ago to provide a publicly visible platform for discussion of scientific issues related to climate change and, at a later date, policy options motivated by climate change science. The site is also designed to promote public literacy in the culture and conduct of science by incorporating dozens of active scientists in a broad range of climate science and related fields and encouraging dialogue among those scientists. The forum provides a rare window into scientific debate, allowing non-scientists to see how scientists evaluate the work of others, construct meaning out of various bits of evidence, formulate ideas, challenge their colleagues, and (on occasion) develop a consensus. As such, the site is intended to have educational value well beyond its climate science focus.

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,…

NCSALL Health Literacy Study Circle+ Facilitators Training. Training Guide

ERIC Educational Resources Information Center

National Center for the Study of Adult Learning and Literacy (NCSALL), 2007

2007-01-01

This training guide was created by the National Center for the Study of Adult Learning and Literacy (NCSALL) to help connect research and practice in the field of adult education and family literacy. A Health and Adult Literacy and Learning (HALL)/NCSALL Health Literacy Study Circle+ is a professional development activity for adult basic education…

Financial performance among adult day centers: results of a national demonstration program.

PubMed

Reifler, B V; Henry, R S; Rushing, J; Yates, M K; Cox, N J; Bradham, D D; McFarlane, M

1997-02-01

This paper describes the financial performance (defined as percent of total expenses covered by net operating revenue) of 16 adult day centers participating in a national demonstration program on day services for people with dementia, including examination of possible predictors of financial performance. Participating sites submitted quarterly financial and utilization reports to the National Program Office. Descriptive statistics summarize the factors believed to influence financial performance. Sites averaged meeting 35% of expenses from self-pay and 29% from government (mainly Medicaid) revenue, totaling 64% of all (cash plus in-kind) expenses met by operating revenue. Examination of center characteristics suggests that factors related to meeting consumer needs, such as being open a full day (i.e., 7:30 am to 6:00 pm) rather than shorter hours, and providing transportation, may be related to improved utilization and, thus, improved financial performance. Higher fees were not related to lower enrollment, census, or revenue. Adult day centers are able to achieve financial viability through a combination of operating (i.e., fee-for-service) and non-operating revenue. Operating revenue is enhanced by placing emphasis on consumer responsiveness, such as being open a full day. Because higher fees were not related to lower utilization, centers should set fees to reflect actual costs. The figure of 64% of expenses met by operating revenue is conservative inasmuch as sites included in-kind revenue as expenses in their budgeting calculations, and percent of cash expenses met by operating revenue would be higher (approximately 75% for this group of centers).

Clinical, classroom, or personal education: attitudes about health literacy.

PubMed

Logan, Robert A

2007-04-01

This study explores how diverse attitudes about health literacy are assessed by medical librarians and other health care professionals. An online survey of thirty-six items was conducted using Q methodology in two phases in spring 2005 and winter 2006. Respondents (n = 51) were nonrandomly self-selected from a convenience sample of members of the Medical Library Association and a group of environmental health consultants to the National Library of Medicine. Three factors were identified. Factor 1 is optimistic and supportive of health literacy's transformative sociocultural and professional potential, if clinical settings become a launching point for health literacy activities. Factor 2 is less optimistic about health literacy's potential to improve clinical or patient outcomes and prefers to focus health literacy initiatives on classroom education settings. Factor 3 supports improving the nation's health literacy but tends to support health literacy initiatives when people privately interact with health information materials. Each factor's attitudes about the appropriate educational venue to initiate health literacy activities are different and somewhat mutually exclusive. This suggests that health literacy is seen through different perceptual frameworks that represent a possible source of professional disagreement.

Financial Well-Being and Post-Deployment Adjustment among Iraq and Afghanistan War Veterans

PubMed Central

Elbogen, Eric B.; Johnson, CAPT Sally C.; Wagner, H. Ryan; Newton, Virginia M.; Beckham, Jean C.

2012-01-01

Research has yet to examine the relationship between financial well-being and community reintegration of veterans. To address this, we analyzed data from n=1,388 Iraq and Afghanistan War Era Veterans who completed a national survey on post-deployment adjustment. The results indicated that probable major depressive disorder, posttraumatic stress disorder, and traumatic brain injury were associated with financial difficulties. However, regardless of diagnosis, veterans who reported having money to cover basic needs were significantly less likely to have post-deployment adjustment problems such as criminal arrest, homelessness, substance abuse, suicidal behavior, and aggression. Statistical analyses also indicated that poor money management (e.g. incurring significant debt or writing bad checks) was related to maladjustment, even among veterans at higher income levels. Given these findings, efforts aimed at enhancing financial literacy and promoting meaningful employment may have promise to enhance outcomes and improve quality of life among returning veterans. PMID:22730842

Literacy not intelligence moderates the relationships between economic development, income inequality and health.

PubMed

Marks, David F

2007-05-01

Kanazawa (2006) presented data allegedly supporting a racist version of evolutionary psychology that claims that the populations of wealthier and more egalitarian societies live longer and stay healthier, not because they are wealthier and more egalitarian, but because they are more intelligent. The objectives of this study are: (i) to determine the relationship between IQ and literacy in Kanazawa's sample of countries and (ii) to reanalyse Kanazawa's dataset using measures of literacy in lieu of national IQ test scores. Correlation and regression were employed. National literacy scores across the countries in the sample are highly skewed. In spite of this, the literacy measures are highly correlated with alleged differences in national IQ (r = .83-.86). The measure of literacy together with economic development (GDPpc) and income inequality (Gini coefficient) control at least 59-64% of the variance in national life expectancy at birth. There is no scientific justification for believing that alleged intelligence differences play any role in explaining international differences in health status. Measures of alleged national IQ scores are highly confounded with differences in literacy. Literacy is a key factor in the health of any community and policies designed to enhance the literacy of a population are expected to lead to significant improvements in health status.

The influence of financial incentive programs in promoting sustainable forestry on the nation's family forests

Treesearch

Michael A. Kilgore; John L. Greene; Michael G. Jacobson; Thomas J. Straka; Steven E. Daniels

2007-01-01

Financial incentive programs were evaluated to assess their contribution to promoting sustainable forestry practices on the nation’s family forests. The evaluation consisted of an extensive review of the literature on financial incentive programs, a mail survey of the lead administrator of financial incentive programs in each state forestry agency, and focus groups...

The influence of financial incentive programs in promoting sustainable forestry on the nation's family forests

Treesearch

Michael A. Kilgore; John L. Greene; Michael G. Jacobson; Thomas J. Straka; Steven E. Daniels

2006-01-01

Financial incentive programs were evaluated to assess their contribution to promoting sustainable forestry practices on the nation’s family forests. The evaluation consisted of an extensive review of the literature on financial incentive programs, a mail survey of the lead administrator of financial incentive programs in each state forestry agency, and focus groups...

The Power of Family Literacy.

ERIC Educational Resources Information Center

National Center for Family Literacy, Louisville, KY.

This report presents the early findings from the analysis of a family literacy demonstration project under the direction of the National Center for Family Literacy. The data in this report are based upon the experiences of over 300 families who participated in the Toyota Families for Learning Program during the 1992-1993 school year. The first…

Comparative Financial Statistics for Public Two-Year Colleges: FY 1992 National Sample.

ERIC Educational Resources Information Center

Dickmeyer, Nathan; Cirino, Anna Marie

This report, the 15th in an annual series, provides comparative information derived from a national sample of 544 public two-year colleges, highlighting financial statistics for fiscal year 1991-92. The report offers space for colleges to compare their institutional statistics with data provided on national sample medians; quartile data for the…

Comparative Financial Statistics for Public Two-Year Colleges: FY 1995 National Sample.

ERIC Educational Resources Information Center

Meeker, Bradley

Based on responses by 405 public two-year colleges in the United States to 2 surveys, this report provides comparative financial information for fiscal year 1994-95. The report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and tables and graphs of…

Comparative Financial Statistics for Public Two-Year Colleges: FY 1994 National Sample.

ERIC Educational Resources Information Center

Dickmeyer, Nathan; Meeker, Bradley

Based on responses by 427 public two-year colleges in the United States to two surveys, this report provides comparative financial information for fiscal year 1993-94. The report provides space for colleges to compare their institutional statistics with national sample medians, quartile data for the national sample, and tables and graphs of…

Immigration, Generational Status and Health Literacy in Canada

ERIC Educational Resources Information Center

Ng, Edward; Omariba, D. Walter R.

2014-01-01

Background: Immigrants, a fast-growing population in Canada, score below the national average in health literacy, but the reasons behind the low scores are largely unknown. Also, there is a need to understand the long-term impact of immigration by examining health literacy by generational status. Objective: To examine health literacy differentials…

Charting a Course to Earth System Science Literacy

NASA Astrophysics Data System (ADS)

Karsten, J. L.; Koch, L.; Ridky, R.; Wei, M.; Ladue, N.

2008-12-01

Public literacy of fundamental ideas in Earth System Science (ESS) is immensely important, both because of its relevance to the daily lives of individual citizens and the role played by informed policy decisions related to water, energy, climate change, and hazards in securing our Nation's well-being and prosperity. The National Science Education Standards (NRC, 1996) argued that topics which comprise ESS also have tremendous value in providing context and meaning for the teaching of Biology, Chemistry, and Physics concepts and their applications, thereby serving the goals of the America COMPETES Act. Yet, as documented in the 2006 Program for International Student Assessment (PISA) results, the U.S. continues to lag significantly behind other developed nations in science literacy. A major obstacle to improving public ESS literacy, specifically, and strengthening science literacy, in general, is the fact that fewer than 30% of students in U.S. high schools take any courses related to ESS. Often, these courses are taught by teachers with limited preparation in this content area. A new grass-roots movement within the geoscience research and education communities, fueled by interagency collaboration, is seeking to overcome these obstacles and steer a new course for ESS education in the Nation. The Earth System Science Literacy Initiative (ESSLI) builds on recent efforts within portions of the geosciences community to reach consensus on what defines scientific literacy within their fields. Individual literacy frameworks now exist for the ocean, atmospheric science, Earth science, and climate topic areas, and others are under development. The essential principles and fundamental concepts articulated in these frameworks provide consistent core messages that can be delivered and reinforced not only through formal education channels, but also through informal education activities and the media, thereby avoiding the inherent obstacles of the formal education setting

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.

Lifelong literacy: Some trends and issues in conceptualising and operationalising literacy from a lifelong learning perspective

NASA Astrophysics Data System (ADS)

Hanemann, Ulrike

2015-06-01

In a fast-changing and highly inequitable world, lifelong learning is becoming increasingly important, not only as a key organising principle for all forms of education and learning but also as an absolute necessity for everyone. It is particularly important for disadvantaged individuals and groups who have been excluded from or failed to acquire basic competencies through formal schooling. Within a lifelong learning framework, literacy and numeracy are viewed as foundation skills which are the core of basic education and indispensable to full participation in society. This article discusses recent developments in conceptualising literacy as a foundation of lifelong learning. Starting from the evolving notions of adult literacy, the author identifies some current trends, the most important being that literacy is now perceived as a learning continuum of different proficiency levels. Dichotomous states of being either "literate" or "illiterate" no longer apply. She analyses (1) findings extracted from UNESCO Member States' national reports submitted to the UNESCO Institute for Lifelong Learning (UIL) for the 2nd Global Report on Adult Learning and Education; (2) a desk study of national literacy campaigns and programmes as well as (3) some recent developments in formal education. Her suggested three-dimensional analytical framework considers literacy as a lifelong and life-wide learning process and as part of lifelong learning systems. She draws a number of conclusions for policy and practice of literacy as a foundation of lifelong learning. These conclusions are a timely contribution to the ongoing post-2015 education debate, in particular to the challenge of how to mainstream youth and adult literacy into the implementation of the sustainable development agenda for 2015-2030.

Adult Literacy Benefits? New Opportunities for Research into Sustainable Development

ERIC Educational Resources Information Center

Post, David

2016-01-01

Understandings of "literacy" broadened after the United Nations Development Decade of the 1960s. The corresponding research into the benefits of literacy also widened its focus beyond economic growth. The effects of adult literacy and its correlates appeared diffuse with the rise of New Literacy Studies, and the scholarship on…

Association of Parental Health Literacy with Oral Health of Navajo Nation Preschoolers

ERIC Educational Resources Information Center

Brega, A. G.; Thomas, J. F.; Henderson, W. G.; Batliner, T. S.; Quissell, D. O.; Braun, P. A.; Wilson, A.; Bryant, L. L.; Nadeau, K. J.; Albino, J.

2016-01-01

Health literacy is "the capacity to obtain, process and understand basic health information and services needed to make appropriate health decisions". Although numerous studies show a link between health literacy and clinical outcomes, little research has examined the association of health literacy with oral health. No large-scale…

National Workplace Literacy Program. Final Report.

ERIC Educational Resources Information Center

Illinois Eastern Community Colleges, Olney.

The Snap-On Tools Workplace Literacy Grant developed a curriculum for training adult workers in technical math and reading, English as a Second Language (ESL), and blueprint reading. Curriculum development was based on a workplace audit. Reading levels increased an average of 0.8 of a grade level. Flexibility and implementation of adult student…

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…

Effect of Health Literacy on Research Follow-up

PubMed Central

Leak, Cardella; Goggins, Kathryn; Schildcrout, Jonathan S.; Theobald, Cecelia; Donato, Katharine M.; Bell, Susan P.; Schnelle, John; Kripalani, Sunil

2016-01-01

Previous research has not examined the effect of health literacy on research subjects' completion of scheduled research follow-up. This article evaluates patient factors associated with incomplete research follow-up at three time points after enrollment in a large, hospital-based prospective cohort study. Predictor variables included health literacy, age, race, gender, education, employment status, difficulty paying bills, hospital diagnosis, length of stay, self-reported global health status, depression, perceived health competence, medication adherence and healthcare system distrust. In a sample of 2042 patients, multivariable models demonstrated that lower health literacy and younger age were significantly associated with a lower likelihood of completing research follow-up interviews at 2-3 days, 30 days and 90 days after hospital discharge. Additionally, patients who had less education, were currently employed, and had moderate financial stress were less likely to complete 90-day follow-up. This study is the first to demonstrate that lower health literacy is a significant predictor of incomplete research follow-up. PMID:26513035

Health Literacy in Patients Seeking Orthopaedic Care: Results of the Literacy in Musculoskeletal Problems (LIMP) Project.

PubMed

Rosenbaum, Andrew J; Pauze, Denis; Pauze, Daniel; Robak, Nancy; Zade, Ralph; Mulligan, Michael; Uhl, Richard L

2015-01-01

prevalence of limited musculoskeletal literacy is greater than that of limited general health literacy, with minorities and those with lower education levels most at risk. These findings are consistent with other disease and specialty specific literacy studies. Although such insight will assist providers in accurately targeting education and outreach campaigns, it remains imperative that additional research be performed to determine if limited literacy correlates with increased complications and worse outcomes in those with musculoskeletal conditions. Level IV. The authors have no relevant financial disclosures or conflicts of interest with regard to this manuscript. No funding was received.

On Defining and Developing Literacy across Communities

NASA Astrophysics Data System (ADS)

Bernardo, Allan B. I.

2000-09-01

The paper attempts to raise a few issues relating to the task of defining and operationalizing literacy and literacy development across communities with diverse socio-economic profiles. In particular, the following concerns are raised: (1) Can literacy development be assessed using one set of domains, given that the domains of literacy practices vary across cultures? (2) Does the acquisition of literacy skills mean the same thing to people across different communities? (3) Does illiteracy have the same consequences for people in different communities? (4) Is the process of literacy acquisition and development the same across diverse communities? The paper underscores the importance of considering the diverse socio-economic patterns in different communities in trying to determine present levels of literacy development and in proposing programs to increase levels of literacy skill. It also proposes using the level of community (in addition to the macro-level of nation-state and the micro-level of individual) in analyzing matters relating to literacy development.

State of the Literacy and Essential Skills Field

ERIC Educational Resources Information Center

Harwood, Chris

2012-01-01

The purpose of the "State of the Literacy and Essential Skills Field" report is to provide an environmental scan showing the state of Literacy and Essential Skills (L/ES) across the country, from the perspective of the Canadian Literacy and Learning Network (CLLN) and its national network of partners, both within and outside the Literacy…

Secondary Statistical Modeling with the National Assessment of Adult Literacy: Implications for the Design of the Background Questionnaire. Working Paper Series.

ERIC Educational Resources Information Center

Kaplan, David

This paper offers recommendations to the National Center for Education Statistics (NCES) on the development of the background questionnaire for the National Assessment of Adult Literacy (NAAL). The recommendations are from the viewpoint of a researcher interested in applying sophisticated statistical models to address important issues in adult…

The Uncanny, Digital Texts and Literacy

ERIC Educational Resources Information Center

Carrington, Victoria

2005-01-01

Literacy is one of the binding threads of modern society. Print text and literacy are irretrievably intertwined with many of the core themes of industrial society: family, gender, nation state. In the shift to new digital technologies, changing sociocultural landscapes and new theoretical frames, the growing difficulty in defining and delineating…

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…

Adult literacy benefits? New opportunities for research into sustainable development

NASA Astrophysics Data System (ADS)

Post, David

2016-12-01

Understandings of "literacy" broadened after the United Nations Development Decade of the 1960s. The corresponding research into the benefits of literacy also widened its focus beyond economic growth. The effects of adult literacy and its correlates appeared diffuse with the rise of New Literacy Studies, and the scholarship on consequences seemed less essential to advocates following the rise of a human rights perspective on education. In 2016 the agenda for literacy research has returned - but at a higher level - to concern over its benefits. The United Nations Sustainable Development Goals (SDGs) have reintegrated literacy research within an agenda to understand the channels through which literacy skills might effect change. This article briefly reviews progress in adult literacy, touches on existing perspectives on literacy, and then illustrates four recent sources of information useful in the revitalised agenda offered by the SDGs. Data from the Programme for the International Assessment of Adult Competencies (PIAAC) study conducted by the Organisation for Economic Co-operation and Development (OECD), the World Values Survey (WVS), and the World Bank's Skills Toward Employment and Productivity (STEP) study are now available to researchers wishing to link educational change with attitudinal and behavioural change. Another important resource are the emerging data on mobile learning. By integrating literacy into the SDGs, literacy researchers can reveal the channels through which literacy can contribute to social welfare and transformation.

Terminating the Audit of the National Flood Insurance Program’s Fiscal 1980 Financial Statements.

DTIC Science & Technology

1981-09-21

7 AD-A107 188 GENERAL ACCOUNTING OFFICE WASHINGTON DC ACCOUNTING A ETC F/G 5/1 TERMINATING THE AUDIT OF THE NATIONAL FLOOD INSURANCE PROGRAN S-,-ETC...Management Agency Dear Mr. Giuffrida: A Subject: Terminating the Audit of the National Floodr .) Insurance Program’s Fiscal 1980 Financial...objective of the audit was to express an opinion on the NFIP’s < fiscal 1980 financial statements. We will not meet this objec- tive, however, because

Using the Geoscience Literacy Frameworks and Educational Technologies to Promote Science Literacy in Non-science Major Undergraduates

NASA Astrophysics Data System (ADS)

Carley, S.; Tuddenham, P.; Bishop, K. O.

2008-12-01

In recent years several geoscience communities have been developing ocean, climate, atmosphere and earth science literacy frameworks as enhancements to the National Science Education Standards content standards. Like the older content standards these new geoscience literacy frameworks have focused on K-12 education although they are also intended for informal education and general public audiences. These geoscience literacy frameworks potentially provide a more integrated and less abstract approach to science literacy that may be more suitable for non-science major students that are not pursuing careers in science research or education. They provide a natural link to contemporary environmental issues - e.g., climate change, resource depletion, species and habitat loss, natural hazards, pollution, development of renewable energy, material recycling. The College of Exploration is an education research non-profit that has provided process and technical support for the development of most of these geoscience literacy frameworks. It has a unique perspective on their development. In the last ten years it has also gained considerable national and international expertise in facilitating web-based workshops that support in-depth conversations among educators and working scientists/researchers on important science topics. These workshops have been of enormous value to educators working in K-12, 4-year institutions and community colleges. How can these geoscience literacy frameworks promote more collaborative inquiry-based learning that enhances the appreciation of scientific thinking by non-majors? How can web- and mobile-based education technologies transform the undergraduate non-major survey course into a place where learners begin their passion for science literacy rather than end it? How do we assess science literacy in students and citizens?

A National Road Map to a Climate Literate Society: Advancing Climate Literacy by Coordinating Federal Climate Change Educational Programs (Invited)

NASA Astrophysics Data System (ADS)

Niepold, F.; Karsten, J. L.

2009-12-01

Over the 21st century, climate scientists expect Earth's temperature to continue increasing, very likely more than it did during the 20th century. Two anticipated results are rising global sea level and increasing frequency and intensity of heat waves, droughts, and floods. [IPCC 2007, USGCRP 2009] These changes will affect almost every aspect of human society, including economic prosperity, human and environmental health, and national security. Climate change will bring economic and environmental challenges as well as opportunities, and citizens who have an understanding of climate science will be better prepared to respond to both. Society needs citizens who understand the climate system and know how to apply that knowledge in their careers and in their engagement as active members of their communities. Climate change will continue to be a significant element of public discourse. Understanding the essential principles of climate science will enable all people to assess news stories and contribute to their everyday conversations as informed citizens. Key to our nations response to climate change will be a Climate Literate society that understands their influence on climate and climate’s influence on them and society. In order to ensure the nation increases its literacy, the Climate Literacy: Essential Principles of Climate Science document has been endorsed by the 13 Federal agencies that make up the US Global Change Research Program (http://globalchange.gov/resources/educators/climate-literacy) and twenty-four other science and educational institutions. This session will explore the coordinated efforts by the federal agencies and partner organizations to ensure a climate literate society. "Climate Literacy: The Essential Principles of Climate Sciences: A Guide for Individuals and Communities" produced by the U.S. Global Change Research Program in March 2009

Exploring the relationship between social class, mental illness stigma and mental health literacy using British national survey data.

PubMed

Holman, Daniel

2015-07-01

The relationship between social class and mental illness stigma has received little attention in recent years. At the same time, the concept of mental health literacy has become an increasingly popular way of framing knowledge and understanding of mental health issues. British Social Attitudes survey data present an opportunity to unpack the relationships between these concepts and social class, an important task given continuing mental health inequalities. Regression analyses were undertaken which centred on depression and schizophrenia vignettes, with an asthma vignette used for comparison. The National Statistics Socio-economic Classification, education and income were used as indicators of class. A number of interesting findings emerged. Overall, class variables showed a stronger relationship with mental health literacy than stigma. The relationship was gendered such that women with higher levels of education, especially those with a degree, had the lowest levels of stigma and highest levels of mental health literacy. Interestingly, class showed more of an association with stigma for the asthma vignette than it did for both the depression and schizophrenia vignettes, suggesting that mental illness stigma needs to be contextualised alongside physical illness stigma. Education emerged as the key indicator of class, followed by the National Statistics Socio-economic Classification, with income effects being marginal. These findings have implications for targeting health promotion campaigns and increasing service use in order to reduce mental health inequalities. © The Author(s) 2014.

Literacies, Contexts and Practices: Public Devices for Their Definition.

ERIC Educational Resources Information Center

Dionisio, Maria de Lourdes

In Portugal, the word "literacy" acquired public importance in October 1995, in the first national literacy assessment report. In the last few years, "reading habits" and not "literacy" became a privileged research object, and it is the amount and kind of reading that is being measured, with the results taken as…

The Great Literacy Debate: A Critical Response to the Literacy Strategy and the Framework for English

ERIC Educational Resources Information Center

Goodwyn, Andrew, Ed.; Fuller, Carol, Ed.

2011-01-01

The nature of literacy is an issue of global debate. When the National Literacy Strategy [NLS] was introduced into UK schools it was arguably the most ambitious educational reform programme in the world, and the controversy necessarily intensified. How can the impact of such reforms be assessed? In its ten year history the NLS affected every…

Magic or Mayhem? New Texts and New Literacies in Technological Times.

ERIC Educational Resources Information Center

Beavis, Catherine

Questions about the implications of the new technologies for literacy, literacy teaching, and literacy practices provoke diverse and contradictory responses in the media, in policy documents, in state and national assessment surveys, and among teachers themselves. On one hand, the need for literacy to be reconceptualized and redefined in the face…

Inquiring Minds Want to Know: Media Literacy Education for Young Children

ERIC Educational Resources Information Center

Rogow, Faith

2011-01-01

Inquiry-based media literacy is an increasingly important component of an educator's toolbox. The author's own concerns about definitions of media literacy have given way to a focus on establishing clear goals for media literacy education. The National Association for Media Literacy Education (NAMLE) articulates these goals: "The purpose of media…

Reconceptualizing Media Literacy in the Social Studies: A Pragmatist Critique of the NCSS Position Statement on Media Literacy

ERIC Educational Resources Information Center

Mason, Lance; Metzger, Scott Alan

2012-01-01

The National Council for the Social Studies Position Statement on Media Literacy argues that media literacy can facilitate participatory democracy if students' interest in media is harnessed. The statement conceives of media technology as neutral and under-conceptualizes socializing aspects of media technologies that foster atomized individualism.…

National Workplace Literacy Program. Garment-Related Bilingual (English & Chinese) T.V. Broadcast Lessons. Book I: Episodes 1-15.

ERIC Educational Resources Information Center

Chinatown Manpower Project, Inc., New York, NY.

This publication contains a series of 15 garment-related bilingual (English and Chinese) television broadcast lessons produced by the National Workplace Literacy Program of Chinatown Manpower Project, Inc. (Other partners were the Union of Needletrades, Industrial and Textile Employees and the Greater Blouse, Skirt and Undergarment Association in…

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…

Literacy: International, National, State, and Local. Yearbook of the American Reading Forum, Volume XI.

ERIC Educational Resources Information Center

Hayes, Bernard L., Ed.; Camperell, Kay, Ed.

This book contains papers which consider literacy issues at all levels from preschool to reading and the aging. The book includes discussions of cultural literacy, computer literacy, the reading/writing connection, adult basic literacy, measurement of reading and writing, special reading programs, and reading research. The following papers are…

Scientific Literacy in Nigeria: The Role of Science Education Programmes.

ERIC Educational Resources Information Center

Olorundare, Solomon A.

1988-01-01

Delineates a concept of scientific literacy as it relates to the Nigerian situation. Examines the relevance and implications of scientific literacy to the educational system and national security. Suggests how scientific literacy can be encouraged through science programs, especially in elementary science education. (YP)

Home Literacy Exposure and Early Language and Literacy Skills in Children Who Struggle with Behavior and Attention Problems

ERIC Educational Resources Information Center

Haak, Jill; Downer, Jason; Reeve, Ronald

2012-01-01

Research Findings: This study investigated the relationships between behavior and attention problems and early language and literacy outcomes for 4-year-olds who experienced varied early home literacy environments. Participants were 1,364 children enrolled in the National Institute of Child Health and Human Development Study of Early Child Care…

The Literacy Equation: Competence = Capability? National Conference of the Australian Council for Adult Literacy Conference Papers (Queensland, Australia, November 7-9, 1996).

ERIC Educational Resources Information Center

Queensland Council for Adult Literacy, Red Hill (Australia).

Papers from the 19th Adult Literacy Conference convened by the Australian Council for Adult Literacy include: "A Little to the Right on Writing" (Brendan Bartlett, Margaret Fletcher); "Deconstructing the 'Australian Language and Literacy Policy'" (Helen Beazley); "Comparing Content-Centered and Learner-Centered Approaches…

Toward a Resident Personal Finance Curriculum: Quantifying Resident Financial Circumstances, Needs, and Interests.

PubMed

McKillip, Ryan; Ernst, Michael; Ahn, James; Tekian, Ara; Shappell, Eric

2018-04-26

Introduction Resident financial health has been linked to wellness and resiliency, yet financial literacy among residents is highly variable. While some medical school curricula include budgeting and student loan education, content on managing finances as a resident is usually lacking. We sought to quantitatively assess residents' financial circumstances, needs, and interests to inform the design of a resident personal finance curriculum. Methods Surveys were sent to residents in eight specialties at an academic medical center. Likert-type responses allowed respondents to rate their level of comfort (1 = Very Uncomfortable, 7 = Very Comfortable) and interest (1 = Very Uninterested, 7 = Very Interested) in various personal finance topics including budgeting, loan repayment, disability insurance, life insurance, home buying, and retirement planning. Details regarding financial circumstances, including assets, liabilities, and insurance, were also collected. Results of questions that utilized a Likert-type scale are reported as median (interquartile range). Results Of 346 residents surveyed, 144 (41.6%) responded. Residents were from Internal Medicine (56, 38.9%), Pediatrics (34, 23.6%), Emergency Medicine (18, 12.5%), and other specialties (36, 25.0%). Ninety-one (63.2%) reported educational loans, with an average balance of $191,730. Credit card balances exceeding $3,000 were reported by 11 (7.6%) respondents. One-hundred-two (70.1%) reported emergency savings, but only 65 (45.1%) reported having a retirement account (average balance $27,608). Respondents rated highest comfort levels with budgeting (5[4-6]), and lowest level of comfort with disability insurance (2[2-4]) and home buying (2[2-5]). Interest in learning each topic was high (6[5-7]), with retirement planning (6[5-7]), investing (6[5-7]), and home buying (6[5-7]) the topics of highest interest. Conclusion These results highlight the deficits in personal finance literacy among residents. Future work should

A Conceptual Model of Observed Physical Literacy

ERIC Educational Resources Information Center

Dudley, Dean A.

2015-01-01

Physical literacy is a concept that is gaining greater acceptance around the world with the United Nations Educational, Cultural, and Scientific Organization (2013) recognizing it as one of several central tenets in a quality physical education framework. However, previous attempts to understand progression in physical literacy learning have been…

Refining Family Literacy Practice: A New Zealand Case Study

ERIC Educational Resources Information Center

Benseman, John

2006-01-01

Following the results of the International Adult Literacy Survey (IALS) in 1996, there has been an upsurge of interest in adult literacy in New Zealand. This interest is reflected in a national adult literacy strategy with foundation learning as one of the government's six priorities for the postschool sector. One result of this policy change has…

Problem Oriented Literacy Materials Preparation: A Case Study

ERIC Educational Resources Information Center

Tripathi, Virendra

1975-01-01

One of the recent innovations of significance in developing nations is the concept of linking literacy education to problems related to socio-economic development. The article describes the Problem Oriented Materials Preparation Project of Literacy House, Lucknow, India. (Author/BP)

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.…

Language and Literacy: Current Issues and Research.

ERIC Educational Resources Information Center

Gorman, Thomas P., Ed.

Comprising a study of the application of linguistics to literacy, the 16 papers in this book were prepared by contributors from both developing and developed nations. The papers in the first section illustrate the relevance of certain developments in theoretical and applied linguistics, sociolinguistics, and psycholinguistics to literacy teaching.…

Writing in Math: A Disciplinary Literacy Approach

ERIC Educational Resources Information Center

Brozo, William G.; Crain, Sarah

2018-01-01

Mathematics teachers often resist generic literacy strategies because they do not seem relevant to math learning. Discipline-specific literacy practices that emerge directly from the math content and processes under study are more likely to be embraced by math teachers. Furthermore, national and state-level mathematics standards as well as Common…

Lawrence Berkeley National Laboratory 2015 Annual Financial Report

DOE Office of Scientific and Technical Information (OSTI.GOV)

Williams, Kim, P

FY2015 financial results reflect a year of significant scientific, operational and financial achievement for Lawrence Berkeley National Laboratory. Complementing many scientific accomplishments, Berkeley Lab completed construction of four new research facilities: the General Purpose Laboratory, Chu Hall, Wang Hall and the Flexlab Building Efficiency Testbed. These state-of-the-art facilities allow for program growth and enhanced collaboration, in part by enabling programs to return to the Lab’s Hill Campus from offsite locations. Detailed planning began for the new Integrative Genomics Building (IGB) that will house another major program currently located offsite. Existing site infrastructure was another key focus area. The Lab prioritizedmore » and increased investments in deferred maintenance in alignment with the Berkeley Lab Infrastructure Plan, which was developed under the leadership of the DOE Office of Science. With the expiration of American Recovery and Reinvestment Act (ARRA) funds, we completed the close-out of all of our 134 ARRA projects, recording total costs of $331M over the FY2009-2015 period. Download the report to read more.« less

Public health financial management needs: report of a national survey.

PubMed

Costich, Julia F; Honoré, Peggy A; Scutchfield, F Douglas

2009-01-01

The work reported here builds on the identification of public health financial management practice competencies by a national expert panel. The next logical step was to provide a validity check for the competencies and identify priority areas for educational programming. We developed a survey for local public health finance officers based on the public health finance competencies and field tested it with a convenience sample of officials. We asked respondents to indicate the importance of each competency area and the need for training to improve performance; we also requested information regarding respondent education, jurisdiction size, and additional comments. Our local agency survey sample drew on the respondent list from the National Association of County and City Health Officials 2005 local health department survey, stratified by agency size and limited to jurisdiction populations of 25,000 to 1,000,000. Identifying appropriate respondents was a major challenge. The survey was fielded electronically, yielding 112 responses from 30 states. The areas identified as most important and needing most additional training were knowledge of budget activities, financial data interpretation and communication, and ability to assess and correct the organization's financial status. The majority of respondents had some postbaccalaureate education. Many provided additional comments and recommendations. Health department finance officers demonstrated a high level of general agreement regarding the importance of finance competencies in public health and the need for training. The findings point to a critical need for additional training opportunities that are accessible, cost-effective, and targeted to individual needs.

State Literacy Resource Centers Program Grant Information.

ERIC Educational Resources Information Center

Office of Vocational and Adult Education (ED), Washington, DC. Clearinghouse on Adult Education and Literacy.

This document provides information on the State Literacy Resource Centers established by the National Literacy Act. The information provided for each state in a chart format includes type of action being taken under the grant, operator and location, allocation (in dollars), and contact person with address and telephone number. The 50 states are…

Health Literacy and Access to Care

PubMed Central

Janke, Alex

2016-01-01

Despite well-documented links between low health literacy, low rates of health insurance coverage, and poor health outcomes, there has been almost no research on the relationship between low health literacy and self-reported access to care. This study analyzed a large, nationally representative sample of community-dwelling adults ages 50 and older to estimate the relationship between low health literacy and self-reported difficulty obtaining care. We found that individuals with low health literacy were significantly more likely than individuals with adequate health literacy to delay or forego needed care or to report difficulty finding a provider, even after controlling for other factors including health insurance coverage, employment, race/ethnicity, poverty, and general cognitive function. They were also more likely to lack a usual source of care, although this result was only marginally significant after controlling for other factors. The results show that in addition to any obstacles that low health literacy creates within the context of the clinical encounter, low health literacy also reduces the probability that people get in the door of the health care system in a timely way. PMID:27043757

Concept, Challenge, Conundrum: From Library Skills to Information Literacy. Proceedings of the National Information Literacy Conference Conducted by the University of South Australia Library and the Australian Library and Information Association Information Literacy Special Interest Group (4th, Adelaide, Australia, December 3-5, 1999).

ERIC Educational Resources Information Center

Booker, Di, Ed.

These proceedings from the fourth National Information Literacy Conference (Decemeber 1999) include the keynote addresses and the papers presented in workshop sessions throughout the conference. Acknowledgements by Irene Doskatsch, conference convener, that precedes the introductory piece by Alan Bundy, "Journey Without End..." is…

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.

Learning for Life: The Role of Adult Literacy and Numeracy in Lifelong Learning and Socio-Economic Well-Being. Executive Summary of the ALNARC National Research Program, 2001-2002.

ERIC Educational Resources Information Center

Shore, Sue; Searle, Jean; Falk, Ian; Johnston, Betty; Ovens, Carolyn; Riddell, Christine

In 2001-2002, the Adult Literacy and Numeracy Australian Research Consortium conducted 26 national investigations with findings in the following areas: (1) population competence; (2) linking literacy and numeracy into training; (3) professional support for educators and trainers; and (4) policy and systemic issues. All the projects were intended…

Patterns of Literacy among U.S. Students

ERIC Educational Resources Information Center

Reardon, Sean F.; Valentino, Rachel A.; Shores, Kenneth A.

2012-01-01

How well do U.S. students read? In this article, Sean Reardon, Rachel Valentino, and Kenneth Shores rely on studies using data from national and international literacy assessments to answer this question. In part, the answer depends on the specific literacy skills assessed. The authors show that almost all U.S. students can "read" by…

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…

Hearings on Language and Literacy. Testimony Before The National Commission on Excellence in Education (Houston, Texas, April 1982).

ERIC Educational Resources Information Center

Lundy, Eileen T.

Conditions of language and literacy are considered by a Texas educator and presented at a 1982 hearing held by the National Commission on Excellence in Education. It is noted that a 1979 policy at the University of Texas system established a freshman-level remedial English course for credit. At the University of Texas, San Antonio, this course is…

Home Literacy Experiences and Early Childhood Disability: A Descriptive Study Using the National Household Education Surveys (NHES) Program Database

ERIC Educational Resources Information Center

Breit-Smith, Allison; Cabell, Sonia Q.; Justice, Laura M.

2010-01-01

Purpose: The present article illustrates how the National Household Education Surveys (NHES; U.S. Department of Education, 2009) database might be used to address questions of relevance to researchers who are concerned with literacy development among young children. Following a general description of the NHES database, a study is provided that…

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…

8 CFR 312.5 - Failure to meet educational and literacy requirements.

Code of Federal Regulations, 2010 CFR

2010-01-01

... 8 Aliens and Nationality 1 2010-01-01 2010-01-01 false Failure to meet educational and literacy... REGULATIONS EDUCATIONAL REQUIREMENTS FOR NATURALIZATION § 312.5 Failure to meet educational and literacy requirements. (a) An applicant for naturalization who fails the English literacy or history and government test...

Health literacy and ophthalmic patient education

PubMed Central

Muir, Kelly W.; Lee, Paul P.

2010-01-01

In 1997, Ebrahimzadeh, Davalos and Lee wrote in this journal that only 32% of the ophthalmic patient educational materials reviewed were written at or below the recommended eighth grade reading level. Since that time, the National Assessment of Adult Literacy found that more than one third of adult Americans possess only basic or below basic health literacy skills, defined as the ability to understand written information in a healthcare setting. Subsequently, investigators have shown that poor health literacy skills are associated with poor prescription medication adherence, increased hospital admissions and increased mortality. We review the readability of currently available ophthalmic educational materials, with particular attention to the health literacy status of the patient population for which the materials are intended. Examples of prose at various readability levels are provided. Optimizing patient education and improving clinical outcomes requires understanding the attributes that the patient brings to the patient–physician relationship, including health literacy. PMID:20650503

Self-rated health literacy is associated with exercise frequency among adults aged 50+ in Ireland.

PubMed

Gibney, S; Doyle, G

2017-08-01

The aim of this study was to investigate the relationship between self-rated health literacy and self-reported exercise frequency among people aged 50+ in Ireland. Data were from the European Health Literacy Survey (2011) a nationally representative, cross-sectional survey of adults aged 15+ from eight countries. Health literacy was measured using composite indices (0-50, low to high) in three domains: healthcare, disease prevention and health promotion. Participants reported how often they exercised for 30 min or longer in the month prior to survey. Multivariate logistic regression analysis was used to examine the association between exercise frequency (almost daily activity vs. weekly or less) and health literacy among participants aged 50+ in Ireland (n = 389). All models were fully adjusted for age, gender, employment status, marital status, social status, education, financial deprivation and having a physically limiting illness. An increased odds of exercising almost daily was associated with understanding disease prevention (OR = 1.18, 95% CI 1.03-1.35) and health promotion information (OR = 1.15, 95% CI 1.01-1.32) and accessing (OR = 1.13, 95% CI 1.00-1.29) and evaluating health promotion information (OR = 1.12, 95% CI 1.00-1.26) with ease. Public health approaches to promoting exercise often include providing information about the benefits of regular exercise, promoting affordable options and enhancing the accessibility of the built environment. Public health policy should also consider measures to improve interactive health literacy skills in order to achieve positive behavioural change. © The Author 2017. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.

Organizational Health Literacy: Review of Theories, Frameworks, Guides, and Implementation Issues

PubMed Central

Bonneville, Luc; Bouchard, Louise

2018-01-01

Organizational health literacy is described as an organization-wide effort to transform organization and delivery of care and services to make it easier for people to navigate, understand, and use information and services to take care of their health. Several health literacy guides have been developed to assist healthcare organizations with this effort, but their content has not been systematically reviewed to understand the scope and practical implications of this transformation. The objective of this study was to review (1) theories and frameworks that inform the concept of organizational health literacy, (2) the attributes of organizational health literacy as described in the guides, (3) the evidence for the effectiveness of the guides, and (4) the barriers and facilitators to implementing organizational health literacy. Drawing on a metanarrative review method, 48 publications were reviewed, of which 15 dealt with the theories and operational frameworks, 20 presented health literacy guides, and 13 addressed guided implementation of organizational health literacy. Seven theories and 9 operational frameworks have been identified. Six health literacy dimensions and 9 quality-improvement characteristics were reviewed for each health literacy guide. Evidence about the effectiveness of health literacy guides is limited at this time, but experiences with the guides were positive. Thirteen key barriers (conceived also as facilitators) were identified. Further development of organizational health literacy requires a strong and a clear connection between its vision and operationalization as an implementation strategy to patient-centered care. For many organizations, becoming health literate will require multiple, simultaneous, and radical changes. Organizational health literacy has to make sense from clinical and financial perspectives in order for organizations to embark on such transformative journey. PMID:29569968

Organizational Health Literacy: Review of Theories, Frameworks, Guides, and Implementation Issues.

PubMed

Farmanova, Elina; Bonneville, Luc; Bouchard, Louise

2018-01-01

Organizational health literacy is described as an organization-wide effort to transform organization and delivery of care and services to make it easier for people to navigate, understand, and use information and services to take care of their health. Several health literacy guides have been developed to assist healthcare organizations with this effort, but their content has not been systematically reviewed to understand the scope and practical implications of this transformation. The objective of this study was to review (1) theories and frameworks that inform the concept of organizational health literacy, (2) the attributes of organizational health literacy as described in the guides, (3) the evidence for the effectiveness of the guides, and (4) the barriers and facilitators to implementing organizational health literacy. Drawing on a metanarrative review method, 48 publications were reviewed, of which 15 dealt with the theories and operational frameworks, 20 presented health literacy guides, and 13 addressed guided implementation of organizational health literacy. Seven theories and 9 operational frameworks have been identified. Six health literacy dimensions and 9 quality-improvement characteristics were reviewed for each health literacy guide. Evidence about the effectiveness of health literacy guides is limited at this time, but experiences with the guides were positive. Thirteen key barriers (conceived also as facilitators) were identified. Further development of organizational health literacy requires a strong and a clear connection between its vision and operationalization as an implementation strategy to patient-centered care. For many organizations, becoming health literate will require multiple, simultaneous, and radical changes. Organizational health literacy has to make sense from clinical and financial perspectives in order for organizations to embark on such transformative journey.

Literacy Promises. The Thirty-Third Yearbook: A Doubled Peer Reviewed Publication of the Association of Literacy Educators and Researchers

ERIC Educational Resources Information Center

Morrison, Timothy, Ed.; Martin, Linda, Ed.; Boggs, Merry, Ed.; Szabo, Susan, Ed.; Haas, Leslie, Ed.

2011-01-01

For its 54th annual meeting, the Association of Educators and Researchers met in Omaha, Nebraska at the Hilton Omaha. This year's conference theme was "Literacy Promises", which was also used as the title for this year's Yearbook, Volume 33. This organization has long been the home of some of the nation's most notable literacy experts. At the…

Workplace Literacy in the 90's: Definitions, Descriptions, Opportunities, and Cautions.

ERIC Educational Resources Information Center

Garay, Mary Sue

The globalization of business has influenced the development of customized, job-specific workplace literacy programs. Work-centered participatory literacy receives support from both business and labor and additional impetus from the National Literacy Act of 1991. The worker of the future will be a thinking and communicating problem solver. The…

Demographic Changes and Literacy Development in a Decade. Working Paper Series.

ERIC Educational Resources Information Center

Reder, Stephen; Edmonston, Barry

Anticipated demographic changes in the United States adult population in the decade between the National Adult Literacy Survey (NALS) of 1992 and the National Assessment of Adult Literacy (NAAL), which is scheduled for 2002, were reviewed. Next, the implications of those changes for the NALS and NAAL were analyzed. The analysis focused on births,…

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…

The Ocean Literacy Campaign

NASA Astrophysics Data System (ADS)

Schoedinger, S. E.; Strang, C.

2008-12-01

"Ocean Literacy is an understanding of the ocean's influence on you and your influence on the ocean." This simple statement captures the spirit of a conceptual framework supporting ocean literacy (COSEE et al., 2005). The framework comprises 7 essential principles and 44 fundamental concepts an ocean literate person would know (COSEE et al., 2005). The framework is the result of an extensive grassroots effort to reach consensus on (1) a definition for ocean literacy and (2) an articulation of the most important concepts to be understood by ocean-literate citizen (Cava et al., 2005). In the process of reaching consensus on these "big ideas" about the ocean, what began as a series of workshops has emerged as a campaign "owned" by an ever-expanding community of individuals, organizations and networks involved in developing and promoting the framework. The Ocean Literacy Framework has provided a common language for scientists and educators working together and serves as key guidance for the ocean science education efforts. This presentation will focus on the impact this Ocean Literacy Campaign has had to date as well as efforts underway to provide additional tools to enable educators and educational policy makers to further integrate teaching and learning about the ocean and our coasts into formal K-12 education and informal education. COSEE, National Geographic Society, NOAA, College of Exploration (2005). Ocean Literacy: The Essential Principles of Ocean Sciences Grades K-12, a jointly published brochure, URL: http://www.coexploration.org/oceanliteracy/documents/OceanLitChart.pdf Cava, F., S. Schoedinger , C. Strang, and P. Tuddenham (2005). Science Content and Standards for Ocean Literacy: A Report on Ocean Literacy, URL: http://www.coexploration.org/oceanliteracy/documents/OLit2004-05_Final_Report.pdf.

Health Literacy: A Pathway to Better Oral Health

PubMed Central

Logan, Henrietta L.; Dodd, Virginia J.; Muller, Keith E.; Marks, John G.; Riley, Joseph L.

2014-01-01

Objectives. We examined whether health literacy was associated with self-rated oral health status and whether the relationship was mediated by patient–dentist communication and dental care patterns. Methods. We tested a path model with data collected from 2 waves of telephone surveys (baseline, 2009–2010; follow-up, 2011) of individuals residing in 36 rural census tracts in northern Florida (final sample size n = 1799). Results. Higher levels of health literacy were associated with better self-rated oral health status (B = 0.091; P < .001). In addition, higher levels of health literacy were associated with better patient–dentist communication, which in turn corresponded with patterns of regular dental care and better self-rated oral health (B = 0.003; P = .01). Conclusions. Our study showed that, beyond the often-reported effects of gender, race, education, financial status, and access to dental care, it is also important to consider the influence of health literacy and quality of patient–dentist communication on oral health status. Improved patient–dentist communication is needed as an initial step in improving the population’s oral health. PMID:24832423

The Psychology and Neuroscience of Financial Decision Making.

PubMed

Frydman, Cary; Camerer, Colin F

2016-09-01

Financial decisions are among the most important life-shaping decisions that people make. We review facts about financial decisions and what cognitive and neural processes influence them. Because of cognitive constraints and a low average level of financial literacy, many household decisions violate sound financial principles. Households typically have underdiversified stock holdings and low retirement savings rates. Investors overextrapolate from past returns and trade too often. Even top corporate managers, who are typically highly educated, make decisions that are affected by overconfidence and personal history. Many of these behaviors can be explained by well-known principles from cognitive science. A boom in high-quality accumulated evidence-especially how practical, low-cost 'nudges' can improve financial decisions-is already giving clear guidance for balanced government regulation. Copyright © 2016 The Authors. Published by Elsevier Ltd.. All rights reserved.

Dialogues in Literacy Research. Thirty-Seventh Yearbook of the National Reading Conference.

ERIC Educational Resources Information Center

Readence, John E., Ed.; Baldwin, R. Scott, Ed.

Concentrating on theoretical perspectives on reading, writing and language research, this yearbook contains 33 articles which cover the politics of literacy, emergent and early literacy, vocabulary, comprehension, content area reading, writing, and teacher effectiveness. Articles include: (1) "Tomorrow's Readers Today: Becoming a Profession of…

The Role of Literacy in Building the Economy: Summer Literacy Interventions for Grades 3-5. Research in Review 2012-1

ERIC Educational Resources Information Center

Bausmith, Jennifer Merriman

2012-01-01

The need is urgent for reducing literacy achievement gaps--both morally to ensure that all students receive a high-quality education as well as economically to build our nation's workforce with the requisite skills needed for the 21st century. Taken together, changes to the economy, divergent literacy skill distributions, and changes to the…

The Views of Nigerian Teachers in Public and Private Primary Schools on the Teaching of Early Literacy in English

ERIC Educational Resources Information Center

Okebukola, Foluso

2012-01-01

Drawing on the bilingual policies and biliteracy programmes of African nations, this paper discusses the context of literacy education in Nigeria and examines Nigerian early literacy teachers' attitudes to teaching literacy and literacy teaching practices as informed by the National Policy on Education, Primary English Language Curriculum and the…

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.

The National Commission on Student Financial Assistance: A Summary of Its Recommendations.

ERIC Educational Resources Information Center

Miller, Scott E.

A brief overview of the recommendations of the National Commission on Student Financial Assistance is presented. The Commission was asked to answer 24 congressionally determined questions, and to report its findings on each within 2 years. Major findings and recommendations are presented concerning: satisfactory academic progress, the in-school…

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 through Languages: Connecting with the Common Core

ERIC Educational Resources Information Center

Sandrock, Paul

2013-01-01

The Common Core Standards have defined literacy and outlined the mission for English Language Arts in a way that provides a natural fit with the National Standards for Language Learning. Taking advantage of this connection, language teachers can showcase the importance of learning languages by demonstrating how literacy is learned, practiced, and…

The History of Literacy in America: An Introduction.

ERIC Educational Resources Information Center

Kaestle, Carl F.

A review of the development of literacy in American national life provides both a picture of two centuries during which the strong association of literacy with mainstream cultural values was largely unexamined and unchallenged, and a realization that illiteracy is inextricably related to problems of discrimination and alienation in the workplace,…

Adult Literacy, the Internet, and NCAL: An Introduction.

ERIC Educational Resources Information Center

Rethemeyer, R. Karl

This document provides information on two services established on the Internet by the National Center on Adult Literacy (NCAL): electronic mail (e-mail) communication with NCAL and a Gopher server that makes it possible to access and download information, documents, and software relevant to adult literacy. A recent "NCAL Connections" article,…

National Civics Teacher Survey: Information Literacy in High School Civics. Fact Sheet

ERIC Educational Resources Information Center

Kawashima-Ginsberg, Kei

2014-01-01

Teaching students to use news and information media ("information literacy") is an important aspect of civic education, especially now that news sources are rapidly changing and fragmenting along ideological lines. Information literacy is required in several state standards, and it is also frequently defined as an important "21st…

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…

Literacy Initiative For Empowerment (LIFE), 2005-2015. Vision and Strategy Paper. Second Edition

ERIC Educational Resources Information Center

UNESCO International Bureau of Education, 2006

2006-01-01

This document describes the rationale and the strategy of the new United Nations Educational, Scientific, and Cultural Organization (UNESCO) Initiative for literacy: LIFE. The Literacy Initiative for Empowerment (LIFE) is designed as a global strategic framework through which national governments, non-governmental organizations (NGOs), civil…

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

National Assessment Program--ICT Literacy Years 6 & 10 School Assessment Exemplars, 2005

ERIC Educational Resources Information Center

Ministerial Council on Education, Employment, Training and Youth Affairs (NJ1), 2005

2005-01-01

In 2005, the Ministerial Council on Education, Employment, Training and Youth Affairs (MCEETYA) conducted an assessment of Year 6 and Year 10 students across Australia to assess their proficiency in ICT literacy. The 2005 ICT literacy assessment instrument consisted of seven discrete thematic modules. One module, the General Skills Test, included…

Approaches to Assessing Technological Literacy

ERIC Educational Resources Information Center

Pearson, Greg

2006-01-01

It is the conclusion of the Committee on Assessing Technological Literacy, a study panel appointed by the National Academy of Engineering and the National Research Council, that very little is known about what children or adults know, can do, and believe about technology. This is because the state of assessment related to technology--or, …

Transformed by Literacy

ERIC Educational Resources Information Center

Szachowicz, Susan

2010-01-01

When low test scores demanded a hard look at the curriculum, literacy became a focus for improvement at Brockton (MA) High School. Schoolwide training for teachers and a rolling implementation model ensured consistency and reinforcement of the skills. Results came in improved scores and national recognitions, including selection as a National…

Gender Equality Matters: Empowering Women through Literacy Programmes. UIL Policy Brief 3

ERIC Educational Resources Information Center