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Financial literacy should be taught at schools essay
Financial literacy should be taught at schools essay
Chapter 2 about financial literacy
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The education we receive through-out our high school years is one of the most important. It is the last structured learning environment we are in before facing the “real world.” This next step into adulthood means a number of major changes in life, which can include going off to college, starting an entry-level job, independent living, or even having children. With so many major changes endured by young people today, the inclusion of additional classes teaching financial responsibility, more extensive sexual education, and directing students in which college degree to pursue would dramatically improve high school education.
One of the most important skills to posses as an adult is knowing how to be financially responsible. The reality of bill paying, building a credit history, and proper budgeting comes quickly with life after high school. A realistic expectation on the costs of bills in an average household would re-iterate the importance of a good career. Credit scores are of high importance when it comes to making large purchases and even when applying for jobs, therefore basic knowledge on credit reporting would be greatly beneficial. In 2012, a survey conducted by the Society for Human Resource Management revealed that 47 percent of employers used credit score reports when determining which applicant to hire (Rivlin). Budgeting properly can be a financial life-saver when you are just starting out on your own with a less than ideal income. Around 13% of people ages 18 to 29 end up moving back home with their parents (Dunn). Educating high school students on finances will help by creating a foundation for a more successful and independent lifestyle.
Today's education system, in general, lacks a strong conveyance of sexual edu...
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...e degree to pursue. With these teachings high school students will have a better understanding of where to go next in life and how to make better decisions when it is time to think more independently.
Works Cited
Concannon, Kevin. "What Does It Cost to Raise a Child?" United States Department of Agriculture. n.p, 14 August 2013. Web. 20 November 2013.
Dunn, Alan. "Failure to Launch: Adult Children Moving Back Home." Forbes. N.p., 6 June 2012. Web. 26 November 2013.
Plumer, Brad. "Only 27 Percent of College Grads Have a Job Related to Their Major." The Washington Post. N.p., 20 May 2013. Web. 26 November 2013.
Rivlin, Gary. "The Long Shadow of Bad Credit in a Job Search." The New York Times. The New York Times Company, 11 May 2013. Web. 26 November 2013.
"Sexual Risk Behavior." Centers for Disease Control and Prevention. N.p., 26 August 2013. Web. 26 November 2013.
Giannarelli, Linda, and James Barsimantov. "Child Care Expenses of America's Families." Child Care Expenses of America's Families. Urban Institute, Dec. 2000. Web. 03 May 2014.
The reason I am writing this paper is to share the information I attained about human sexuality by learning about sexuality in a college setting and by exploring my sexuality through personal experiences. I do not consider myself to have experienced much exposure to sexual behavior but I do have a cultural bias to what I consider a heavy amount of exposure because the North American culture is considered more promiscuous and sexually active than other cultures.
Current public high school curriculum are simply too easy. Students are able to take too many easy classes that do not challenge them. This is the first point that needs to be focused on when trying to fix this problem. Within this one cause, there are many different solutions. However, I do not have the time here to name them all. I am going to focus on one particular recommendation that I believe would help the most.
Heidi Shierholz, Natalie Sabadish, and Nicholas Finio, "The Class of 2013: Young Graduates Still Face Dim Job Prospects," www.epi.org, Apr. 10, 2013
Adams, Susan. “Half Of College Grads Are Working Jobs That Don't Require A Degree”. Forbes. 5/28/2013. Web.
Most kids that have graduated high school have never been educated on the subject of personal finance, so they don’t know things like how to pay bills, or even how to do something as simple as applying for a job. According to a family friend of mine, Ron Hart; who happens to also be an award-wining author and TV/radio commentator, believes that students in high school don’t learn anything about how to get a job or get prepared financially. He states that, “ Students should prepare for a job. Maybe, instead of taking a fifth field trip to the Trail of Tears site, do one to learn about real jobs in an area they might want.” Hart believes that most basic high schools aren’t teaching students how to become financially stable for their future, which can cause major issues. He claims that “few schools teach about the value of hard work, ingenuity, gumption and entrepreneurship. Those lessons are as rare as Donald Trump bumper stickers in the faculty parking lot.” Hart also goes on to talk about how high school does not prepare you for life the same way college will. There are so many more lessons to learn there that people are missing out on. College is very important due to the fact that it will teach students more skills about finance and job seeking that most high schools don’t. In college, kids will learn how to save and budget their money, pay for their own expenses, and prioritize their needs verses their wants. Learning financial responsibility is also something that kids will carry with them throughout their jobs and their life. Having more freedom to understand the concepts of person finance will allow students to make mature decisions while easing their way into real world
Lieberman, Lisa D. (2006). “Early Predictors of Sexual Behavior: Implications for Young Adolescents and Their Parents.” Perspectives on Sexual and Reproductive Health. Volume 38, Number 2. Copyright 1996-2014, Guttmacher Institute. https://www.guttmacher.org/pubs/journals/3811206.html
The purpose of a high school education is to prepare one for college and ultimately, the workforce. By the end of freshman year, in high school, the average student has learned a sufficient amount of material in enough subjects , that he or she can be considered "well-rounded" in his or her studies. This is because the rate at which material is covered in schools, across the nation has increased dramatically compared to the past. Students now learn more advanced curriculum at a younger age, and this continues to become more evident year after year. High school has now become more focused on teaching students a small amount of information on several essential subjects, rather than having them focus deeply on the subjects they seek to pursue in career. Unfortunately, this shift in focus has caused the overall high school experience to stray away from its intended purpose. If students are not prepared for their career, what purpose does a high school education have? If High Schools inserted more elective course opportunities into their standard set of curriculum, it would further prepare students for the career of their choice, allow them to truly master a subject, build their confidence, and refine their talents so that they may grow and succeed their future occupations.
Not surprisingly the lack of useful sexual information is one of the reasons of the spreading sex related diseases. According to The American Social Health Association (1998) each year there are near ten million of new cases of sexually transmitted diseases among the teenage...
Within recent decades, college has become a more easily available path than it has been for the past generations. In a current news release, The Bureau of Labor Statistics stated that, “Of the 2.9 million youth age 16 to 24 who graduated from high school between January and October 2014, about 68.4 percent were enrolled in college in October” (BLS Economic News Release from April 2015). When a student graduates high school, most of them intend to continue on to college. They have the idea that, while there, they can break away from all the general classes and just focus on what they want to learn. However, for almost all students, they find that this is not the reality. Just like high school, they find that they have to take approximately two years in general studies in order to attend and graduate with the major of their choice. General education classes should not be required because a majority of the information learned has already been covered in past years. Most of the courses do not benefit a student 's major, and the total amount of required hours for these classes can become a big waste of time and money.
Many students entering college may discover that they are not prepared for college curriculum courses. These students enter college courses facing a major issue. They find that high school has not adequately prepared them for the difficulty of college level courses. These students lacked the sufficient basis in being well equipped for advanced careers and college entry. These students have suffered a great inequality prevalent throughout high schools since several high schools do not receive equivalent aid. The unequal funding in high schools prevents students from attaining the same education that other students in different areas may receive. Unequal school funding in secondary schools causes inadequate preparation for students wanting to attend a post-secondary institution.
Numerous amounts of people have financial problems when they get out of high school, so what should the school board do? In 2007, thirty-four out of fifty states have personal finance courses in their curriculum (Bernard 4). A financial literacy course seems to be what a majority of states are doing. Financial literacy courses have their pros and their cons just like everything else. Financial literacy courses bring up some very important questions.
Shierholz, Heidi. "The Class of 2013: Young Graduates Still Face Dim Job Prospects." Economic Policy Institute. Economic Policy Institute, 10 Apr. 2013. Web. 20 Nov. 2013.
One way our school could accomplish the goal of financial literacy education is creating a set class for high school students towards the end of their high school career. Offering classes in a curriculum that is set helps kids become better prepared for the real world. They receive a better understanding of what it is like having a great deal of responsibility, without the overwhelming of stress that comes with it since the class would be set in a classroom. According to the article written by Laura Langemo from Fox6 entitled “MPS Eighth-Graders Get a Lesson in Financial Literacy”, the Milwaukee Public School District Superintendent Gregory Thornton states, “We need [students] to be ready financially. We need them to be ready to step into the world and be able to actually navigate and manage money.” Students should feel confident after graduating that they will be capable of receiving such a great sense of responsibility. Teaching students about financial literacy at an older age throughout high school will allow them to be ready for their lives ahead. According to this article, many of the students were surprised with how bills amass in such a rapid pace. Similarly, the article from the Sandpiper by Edie Ellison includes information about being able to offer high school students classes in
Martinez, Gladys, Joyce Abma, and Casey Copen. “Educating Teenagers About Sex In The United States”. CDC.GOV. Center of Disease Control and Prevention, 15 Sept. 2010. Web. 09 Feb.2014