Premium Essay

Personal Literacy

In: English and Literature

Submitted By dj4umn
Words 704
Pages 3
DJ Nolff
Literacy Of Life

The literacy of life in my opinion the most important story for one to pass on to others, not jus tin terms of reading or to draw conclusions to deeper and more detailed meaning, but to learn and understand about the lessons we encounter in everyday life that we at most times look past or ignore.

I can see a time in my life living in a small town called Hastings Michigan when I was forced to do something that I would have never imagined doing. I was there my entire life and my parents were going to, with such short notice tell me we were moving to Minnesota. I loved where I Lived, I loved my friends and family being so close, sports, everything where I currently was had enough to offer for me. When they told me this I felt like everything I ever cared for was being taken away from me and that things were falling apart right before my eyes. There were many clues that my parents had said weeks and months prior to the news but I was so caught up in my own little world, too young and immature to even have noticed them. They would ask me little questions all the time like how would I feel about being far away from home? Do I like the Vikings? All kinds of questions relating to Minnesota but I never even thought more about them, I thought they were just questions. I was put in a situation to say goodbye to all the people who ever helped me make it as far as I was at the time. Friends, family, teachers, coaches everybody. I was so confused, lost, I didn’t know what to do and had no answer how to respond to the situation. All I knew was I had a real short time to figure it out so basically I just dealt with it and tried to do everything I could to make my short amount of time left worthwhile. I realized that this was something completely permanent, I wouldn’t be able to visit on weekends or anything, this place was 10 hours away....

Similar Documents

Free Essay

Financial Literacy Through Common Core Integration

...Resolves an acute need “Financial literacy” was first championed by the Jump$tart Coalition for Personal Financial Literacy in its inaugural 1997 study “Jump$tart Survey of Financial Literacy among High School Students.” In this study, Jump$tart defined “financial literacy” as “the ability to use knowledge and skills to manage one's financial resources effectively for lifetime financial security.” The financial crisis and recession of 2008 exposed behaviors...

Words: 2306 - Pages: 10

Free Essay

Financial Literacy

...The conclusion of the study based on results obtained is that gender difference though having inverse correlation with financial literacy level is not a significant predictor of financial literacy level, implying that there is no valid evidence to substantiate the opinion that female students are better at financial decision making than their male counterparts. Keywords: Financial Literacy, Capacity, Knowledge, Sustainable, Human Development, Poverty INTRODUCTION The failure of the revolving pension scheme has necessitated the introduction of...

Words: 4580 - Pages: 19

Free Essay

Impact of Financial Education on High School

...The Impact of Financial Education in High School and College On Financial Literacy and Subsequent Financial Decision Making by Lewis Mandell Kermit O. Hanson Visiting Professor of Finance and Business Economics Foster School of Business, University of Washington Senior Fellow, Initiative on Financial Security, Aspen Institute Presented at the American Economic Association Meetings San Francisco, CA January 4, 2009 The Impact of Financial Education in High School and College On Financial Literacy and Subsequent Financial Decision Making Abstract: Many consumers appear to lack the financial literacy needed to make financial decisions in their self-interest. A growing number of analysts and politicians are blaming the intersection of low levels of financial literacy with complex, financially-engineered products for the current economic meltdown and have proposed a number of solutions to this problem. These solutions range from mandatory education in personal finance to required simplification of financial products and greatly increased regulation. This paper examines evidence on the effectiveness of personal finance education on both financial literacy and financial behavior. If the problem can be solved through education, it is likely to reduce the perceived need to limit choice in the marketplace for retail financial products. If education is shown to be ineffective, the future of financial product innovation and financial engineering may be greatly limited....

Words: 10007 - Pages: 41

Free Essay

Sconulls 7 Pillars

...April 2011 Creative Commons Licence: The SCONUL Seven Pillars of Information Literacy: Core Model 3 The Seven Pillars of Information Literacy: the core model Information Literacy is an umbrella term which encompasses concepts such as digital, visual and media literacies, academic...

Words: 2497 - Pages: 10

Premium Essay

Determinants of Financial Literacy Among Youth

...Keywords : Financial Literacy, Youth, Factor Analysis INTRODUCTION Financial Literacy is the ability of individual to understand and analyze the required information necessary for making decisions with the awareness of likely financial consequences. It is basically a process in which skills, resources and...

Words: 3777 - Pages: 16

Premium Essay


...Health Literacy Ice cream Label Assessment                     Ebony Williams             Alabama Agricultural and Mechanical University                  HE 101 Personal and Community Health                     Dr. Sarah Toth                     Spring 2016 Health Literacy Many people across the country suffer from poor health literacy. According to Ihealth “Health literacy is the ability to obtain, process, and understand basic health information and services needed to make appropriate health decisions.” Mainly health literacy is understanding, correctly reading, and acting to health instructions from either personal doctors or simply reading the calories of an ice carton. Having the correct health literacy is important and a very serious matter for citizens with poor health literacy and immigrants. Having poor health literacy can result to poor health choices and misunderstanding of medication from Doctors. People have fallen ill from having incorrect health literacy. It is important to have correct health literacy to understand doctors and medication instructions. Also, it helps to be able to handle health situations and to live a healthier lifestyle without depending on others to assist you. “The population who are at the most risk is the poor, elderly, and those with little education.”(Ihealth Chapter 1) My volunteer who took the health literacy assessment is a young male adult....

Words: 357 - Pages: 2

Premium Essay

Literature Related Literature

...This covers the discussion on the sex, age, program and the financial literacy of STA in terms of savings, budgeting and spending. Financial literacy is mainly used in connection with personal finance matters. The majority of college students do not budget their money. Researchers, educators, and policy makers would generally agree that lack of financial knowledge and skills have contributed to the latest economic and financial crisis (Klapper & Panos, 2011). Hogarth (2002) described the consistencies in behavioral terms, stating that individuals who are financially literate are: 1) knowledgeable,...

Words: 1897 - Pages: 8

Free Essay

Personal Lifelong Learning Plan

...*Give/ set time for training seminars. | Financial Literacy | *Good | *Engage in the activities regarding financial management (e.g. livelihood & entrepreneurship) | *3-4...

Words: 942 - Pages: 4

Free Essay

Financial Literacy

...Financial Planning and Literacy: A College Student’s Guide The American Dream of the 20th century is considered dead by most of today’s college students and recent graduates who find that getting a job that they are not vastly overqualified for is almost just as difficult as graduating. For those few students who gratefully find themselves at the bottom of the corporate ladder, the next difficult task is appropriately managing their new $45k salary. Financial literacy is defined as “the ability to make informed judgments and to take effective actions regarding current and future use and management of money” (LaBorde, Mottner, and Whalley 2014). Financial literacy and planning have long been considered issues in the US, but more now than ever, in the wake of a recession, they are of critical importance to those entering the work force. My research has led me to make three primary claims: (1) the US is mostly financially illiterate, (2) financial literacy and financial planning are positively correlated, and (3) good financial habits must be developed early. Financial Literacy All of the data supports the claim that a large portion of the US is financially illiterate; also, young adults and college students have even lower levels of financially literacy than the general public. Research indicates that college students today have an exceptionally low level of financial literacy....

Words: 1549 - Pages: 7

Free Essay


...Researchers of education have stated that successful implementation of a balanced literacy program has to be teacher directed and have activities for students focused on their needs. In this paper it will address a balanced literacy program that will fit the needs of a second grade group of students. The program will implement the components of reading, writing, and language/word study. While also acknowledging specific instructional approaches that can be used in the program, then ending with a personal take...

Words: 1640 - Pages: 7

Free Essay

Pgde Education Project

...Executive Summary This report examines the need for a learning tool that would improve and develop the learner’s literacy skills. Methods of analysis includes examining the needs from relevant stakeholders and the outcomes from a community of inquiry. Results of the research and feedback demonstrated that although students may possess English GCSE qualifications the business community and bodies such as OFSTED highlight that the level of literacy amongst today’s school leavers was not adequate in terms of the functional skill. The report highlights the importance of increasing student’s level of literacy and functional skills. There are areas specifically in terms of cross-curricular activities that could be further explored. The report recommends the creation of a learning tool in the form of a booklet to enable students to develop and improve their literacy skills within the business curriculum and thus the functional skill. Once the initial proposal was agreed in order to maintain focus throughout the project, SMART objectives were established and addressed, a time plan was created and the personal tutor was involved during the project (Refer to Appendix 1). Introduction ‘Literacy is a fundamental human right and the foundation of lifelong learning. It is fully essential to social and human development in its ability to transform lives....

Words: 4327 - Pages: 18

Premium Essay

Health Literacy

...Health Literacy "It has long been recognised that people with less well developed literacy, language and numeracy skills (LLN) also have poor health outcomes." (DfES 2006). Poor basic skills impacts on the ability to navigate the healthcare system. It makes it harder, if not impossible, for individuals to make choices about their treatment and their ability to make healthy lifestyle choices. Health Literacy is the ability of individuals to make informed decisions about their health. Everyone needs these skills, but those with poor LLN skills are more at risk poorer health literacy, poorer health outcomes and greater health inequalities. Health literacy involves basic health knowledge and a range of skills including: • the ability to find and read health information; • the ability to comprehend and evaluate health information; • the ability to communicate verbally with health professionals; • the ability to assimilate the above to make better informed personal decisions on their health....

Words: 1236 - Pages: 5

Free Essay

Article Critique

...According to Nutbeam the definition of health literacy is a composite term to describe a range of outcomes to health education and communication activities (Nutbeam, D. 2006). Corwin also used the definition from US Department of Health and Human Services and the...

Words: 866 - Pages: 4

Premium Essay

Technology Today

...Here we see how technological literacy effects the US economy. One negative aspect of technology is the ease it brings to life. However, this ease comes at a price and those people who don’t have enough money to afford technology fall behind. Since computers have became so mainstream most everything is...

Words: 1028 - Pages: 5

Free Essay

Students Need Financial Literacy

...Students Need Financial Literacy Our economy is a system that produces and consumes goods or services and we, as a society, should carefully manage those resources to the best of our ability. This is where being financially literate becomes valuable because it guides the planning, budgeting, and accounting of all resources. It also provides stability with saving, spending, and debt management. Financial lessons can be useful in other aspects of life, such as, knowing how to prioritize deadlines and making sure to utilize time effectively. These lessons could also assist in saving a relationship or help differentiate between right and wrong, and that is why students need financial literacy. Each state throughout the country has their own policies for integrating financial literacy into their curriculum. However, some states are more superior to others with regards to teaching this topic. Jump$tart Coalition, a non-profit organization interested in advancing financial literacy among students, shows a map of only five states that “Requires at least a one-semester course devoted to personal finance” (Jump$tart). Most schools offer economics, advanced math, accounting, or current events as electives. Yet, many schools disregard financial literacy and it should be considered a requirement because students need to understand the basics of money. They need to understand how it works, the consequences of misuse, and the accomplishment of succeeding....

Words: 1126 - Pages: 5