It is obvious that we have a problem in this country. With negative savings rates and huge deficits everywhere we look. It is clear that there will not be a silver bullet answer to this question. The problem goes beyond foreclosure. Its more than just the housing industry, its our entire economy, and as we have seen in the past, the World economy. Who is at fault? The home buyers, who take out mortgages to buy luxury items, yes. The bank who gives out these loans, yes. So when we have a situation such as this where both parties are in the wrong who do we look to? What do we change? The government is not exactly a shining example for the people. It has huge deficit problems of its own. What we need is a cultural shift towards responsibility. This is neither an easy nor a quick fix, but it is the only way that we will not continue to revert to the practices that caused this crisis.
One serious problem attributing to our current situation is a lack of education or awareness of how the system works. People are concerned with having the latest gadget or shiny object, not realizing the actual cost or value of this luxury. The driving force behind this trend is advertising. People believe that they need to have things to impress people. Peoples definition of "necessity" has become so skewed due to marketing and cultural shifts in "coolness." It is scary to think how few high school students would think of water as a necessity when engaging in a conversation about their future happiness. This is simply cultural, we take many necessities for granted because they are so easy to come by in our society. This is where we need to teach. Hands on learning can make people respect what they have and value things differently and this is ...
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All together this problem is very much solvable. It just must start on the individual level. Teaching children about the dangers and rewards in our current system. Showing them the money saved when purchasing something outright. Or the money saved when able to make double payments on a mortgage. In addition to this we need to teach our kids about the world and where we fit in it. All kids eat, but most have no idea how they get there food and where it comes from. Simple lessons can make people appreciate the luxuries they have, even make them see things as luxuries that they once took for granted. If we do our part culturally, then it becomes our children's job to make sure the other pieces fall in to place. They will be the ones overseeing the new regulations and the changing of credit system. I do not promise a quick fix, but a solution none the less.
There is no space for argument when saying that agencies, mortgage agents, and various big organisations are to be blamed for this disaster, but they're not the only ones to be blamed for the entire issue. More than half of the blame, according to Lewis, goes to American citizens. In reality, most Americans are blinded by their lack of satisfaction and greed. They desire the luxurious way of life, Americans tend to look beyond their financial capabilities and power in search of unnecessary materialistic objects, such as overly large houses.
The best thing the gonvornment can do is invest in education, because “[m]ore financial education in public schools is a must” (Source H). Children should learn how to do the “basic Suze Orman stuff “ like “how to make a monthly budget” and “ what saving and barrowing mean“ and “how wealth builds over time” ( Source H). If we do this people can learn at a younger age how to handle their money and be responsible. In order for this to work the gonvornment must allow the schools to teach to the individual because students learn differently. They also need to allow the teachers to teach to the students the way the students learn which will make a better educated person and a better class of
If the government changes the way they spend the budget, then they can change the way our government is ran. According to document C we spend 83% of the budget on “The Big Five”, which are the five main categories in the budget.We need to take 10%
According to Robert Hanvey’s An Attainable Global Perspective, “In summary, we are in a period of transition, moving from a pre-global to a global cognition, Global cognition is characterized by new knowledge in planning human action” (Hanvey, 166). Robert G. Hanvey states that everything that we do will affect our generations in the future. Therefore, it is important to take action if there is an issue in the community. If community members do not take action with their issues and/or leave the issue as it is, the issue will still occur within the next generation and the issue may be way worse than it is now. In this unit, the students will be able to brainstorm in groups and as a class about different ways they can solve the issue of poverty in their community and around the
As of today America’s national debt is 18 trillion dollars and approximately 5 trillion of that is held by foreign countries including China and Japan. In the last few years we seem to hear more about balancing the country’s budget and politicians raising the debt ceiling so we can pay on this debt. How have we gotten into such an overwhelming and complicated problem with our nation’s money? Ironically the same can be said for our individual household debt as well as making the same mistakes and trying to find creative ways to be accountable to our financial responsibilities. Teaching the basics of personal finance n our schools can culturally change our financial practices, leading to a more financially literate public and a stronger, more stable, America. If the younger generations can become more financially savvy, then there is an opportunity for our nation as a whole to become less dependent on debt to survive.
Obesity in the United States, which the media has labeled a national crisis, has also been connected to poverty rates. Big fast food industry’s target poor communities, and spend millions of dollars each year to create advertising that appeals to these specific areas. These industry’s also target naïve children when advertising because they know that eating habits developed in childhood are usually carried into adulthood. Children who are exposed to television advertisements for unhealthy food and who are not educated well enough on good nutrition will grow up and feed their families the same unhealthy foods they ate as kids. A big way fast food giants are able to make certain young people have access to unhealthy food is by strategically placing franchises in close proximity to schools. They will often place three times as many outlets within walking distance of schools than in areas where there are no schools nearby. The way fast food advertising is targeted towards children is very alarming considering how important good nutrition is for young people and how a child’s eating habits can affect their growth and
Our country is the country of, for, and by the people, and yet we aren't doing enough to help ourselves. More and more people are moving out of their houses and into the streets every day; people are getting addicted to drugs; men, women, and children are dying from violence. Yet we still insist on helping others. Obviously there are enough problems here for the government to worry about, and we are need focus on these problems which need to be solved.
Studies have shown that there is a link between food security, performance in the classroom, and obesity. If this issue is not faced head on, America will have a generation of children not fully prepared for the workforce and high health insurance rates due to obesity health issues. In providing help to people who find themselves in food insecure households, people can be found who are skeptical of their true need. One of the biggest myths of the disadvantaged is that they have poor shopping habits or shop in convenience stores where prices are extremely high compared to those in grocery stores. Another myth is that in America, the land of plenty, those that cannot afford food are lazy or cheats.... ...
Franklin Delano Roosevelt once said:“We cannot always build the future for our youth, but we can build our youth for the future.” Mr. Roosevelt was indicating that education is key to ensuring a positive future for our country. Years have passed since his presidency, and many can argue that America’s educational system has improved, but that still remains to be seen. While it is true that education has gotten more focus in recent years, as highlighted by the “No Child Left Behind Act,” it does not mean that the system is fully developed enough to aid all of America’s children. Now, the average American is just that: average. Children generally receive B’s and C’s, average grades, in school if they are lucky enough to be in a good school system. Literacy rates are lower than they seem, and not enough people are properly motivated to do well in school. Forms of entertainment and parental influence, which also play a large role in the development of children into successful, productive adults, are not where they should be with respects to education. Much more needs to be done to improve the educational system of the entire country. Preschool should be made mandatory to help individuals reach their full potential and achieve what only a minority of today’s society is currently capable of.
To start, we need to stop hunger in america because children do worse in school when they are hungry. "81% of teacher report students coming to school hungry at least once a week". This is a problem because them students become less focused during the day. Educators in classrooms that are fed, 73% of them say that kids pay better attention in class, 53% of them say they see improved attendace and 48% of them say they see fewer disiplinary problems. America needs to find a solution to this because it helps kids in school.
that everyone knows about but nobody strives for a solution. Education is a big factor that has to
The question “Why is there so much poverty in the United States?” has such a broad spectrum of issues. There is no simple cure or single cause of poverty. According to statistics from the U.S. Department of Health & Human Services, “the 2011 Poverty Guidelines are $10,890 for a single member household and $22,350 for a family of four” (par 13). In addition, “families’ incomes that fall below the threshold given, means that every individual in the household are considered to be in poverty” (par 13). Poverty is too complex an issue to be the result of just one problem, but we can narrow down the subject, to show the effects of how the lack of education can diminish our countries resources and how that has a ripple effect on future generations. Without an education, people receive lower pay; there is an increased rate of crime, and a higher reliance on state and federal aid, which is draining economically.
...ects our education, government, and America as a whole. To solve this problem we can teach children moral values. Moral values are something they can always keep with them. We need to teach them to be themselves but to always remember to work hard and that the world owes you nothing. However your life turns out, you did that to yourself and no one else is responsible for getting you out of a problem.
...ial literacy, encouraging independent thinking, and reinforcing good habits. Building financial literacy in children while they are young gives them a chance to use and begin to understand money for a longer period of time. Therefore, giving them a better understanding of it when they are older and, in a way, giving them a head start for being financially responsible as adults. Encouraging independent thinking will give adolescents a chance to think for themselves even if it is small decisions at first. Because they will most likely value their money and not want to give it away for just anything, their peers will have less of an influence on their decisions. You, as a parent, can reinforce good habits like self-discipline, setting short and long term goals, and learning and practicing good work ethic. Nagging all the time has got to stop. Set up an allowance system.
Money, money, money... That is all I hear about these days. As children, we should not grow up always being stressed about having enough money to eat dinner. When I was a kid, I always thought everything was way worse than it actually was. If my parents complained about money I assumed we were gonna lose our house. They over exaggerate about money; they made it sound like we were broke, even though we were fine. My parents should quit worrying about money and focus more on living life.