News
Money Management: The Importance of Financial Literacy
You may have mastered the core subjects like math and grammar in school, but financial literacy – or understanding the basics of money management in order to help you make better financial decisions – often goes overlooked before adulthood. It’s not so much a course of study as it is a plan of action. When you understand how to earn, save, spend and invest wisely, you aren’t just building a stable future for yourself, but your family and community as well.
(Feature Impact) You may have mastered the core subjects like math and grammar in school, but financial literacy – or understanding the basics of money management in order to help you make better financial decisions – often goes overlooked before adulthood. It’s not so much a course of study as it is a plan of action.
Financial literacy in the United States has remained stagnant at generally low levels for several years, according to research from TIAA Institute and the Global Financial Literacy Excellence Center, with even lower levels among Gen Z. Yet greater financial literacy – including key aspects such as goal-setting, budgeting, saving, credit management and investing – is strongly linked to better financial outcomes, including lower rates of debt constraint and financial fragility.
While emboldening yourself to understand financial terms can be a little overwhelming at first, once you have a grasp of basic concepts you can begin to get a handle on your money and make better financial decisions. Simply put: When you understand how to earn, save, spend and invest wisely, you aren’t just building a stable future for yourself, but your family and community as well.
From nonprofit partnerships to volunteer-led programs and fee online resources, Schwab and its employees help millions of people every year build the knowledge and confidence to take charge of their financial futures by serving as board members, mentors, role models and educators.
Because financial health is a lifelong journey, the earlier people learn vital money skills, the better. That’s why the financial advisory services provider develops education programs geared toward kids that continue into adulthood, helping people no matter where they are on their journeys.
Talk Money
It’s never too early to start a conversation about financial literacy. Having teens identify goals that are important to them – such as concert tickets or a first car – can kickstart coversations about money. Working with your child (and a financial advisor, if necessary) on a plan for saving to realize those goals can serve as a jumping off point. After achieving some success, their enthusiasm may grow, which is a powerful motivator to keep saving.
Support School Initiatives and Programs
Outreach programs that empower young people to make smart financial decisions is key to a bright future. Programs like Money Matters – Schwab’s flagship financial education program utilized by the Boys & Girls Clubs of America – gives young people hands-on experience with all aspects of money and investing.
This example, and others, don’t just include program funding – they build partnerships that create impact and opportunity with national collaborations that reach more than 17 million youth annually, empowering young people with the tools and confidence to make smart financial decisions for life.
Spread the Financial Love
Championing financial literacy empowers everyone – individuals, families and communities. By serving as a board member, mentor, role model or educator to help bring financial literacy to others in your community, you can supply the tools and knowledge to lead programs that focus on giving back, empowering future generations in countless ways.
To learn more about financial literacy and find resources to empower your local community, visit SchwabMoneywise.com.
Photo courtesy of Shutterstock
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SUVs and EVs Take Center Stage at the 2026 New York International Auto Show
(Feature Impact) The 2026 New York International Auto Show is shining a spotlight on the latest in automotive innovation, from advanced technology to the growing shift toward electric vehicles. One automaker, Kia, is using the show to highlight two versatile SUVs designed to offer more space, capability and flexibility for modern drivers.
Watch this video to learn more
The all-new 2027 Kia Seltos has grown in size, offering a roomier interior with additional legroom, headroom and cargo space. It also adds a hybrid powertrain, making it the only vehicle in its class with three powertrain options. The SUV comes packed with advanced safety features, a more capable all-wheel-drive system and premium interior touches, including dual 12.3-inch display screens and an available panoramic sunroof.
The automaker is also showcasing the all-electric EV3, a compact SUV designed to make electric vehicle ownership more practical. With an estimated range of up to 320 miles, fast-charging capability and optional all-wheel drive, it balances performance, technology and everyday usability. Its intuitive features and flexible design make transitioning to electric simpler for a wider range of drivers.
Both models represent Kia’s commitment to providing options that blend capability, innovation and style. To learn more, visit Kia.com.
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Welcome to the Consumer Corner section of STM Daily News, your ultimate destination for savvy shopping and informed decision-making! Dive into a treasure trove of insights and reviews covering everything from the hottest toys that spark joy in your little ones to the latest electronic gadgets that simplify your life. Explore our comprehensive guides on stylish home furnishings, discover smart tips for buying a home or enhancing your living space with creative improvement ideas, and get the lowdown on the best cars through our detailed auto reviews. Whether you’re making a major purchase or simply seeking inspiration, the Consumer Corner is here to empower you every step of the way—unlock the keys to becoming a smarter consumer today!
The Knowledge
Mosquitoes carrying malaria are evolving more quickly than insecticides can kill them – researchers pinpoint how
Jacob A Tennessen, Harvard University
The fight against infectious disease is a race against evolution. Bacteria become resistant to antibiotics. Viruses adapt to spread more quickly. Diseases transmitted by insects present another evolutionary front: Insects themselves can evolve resistance to the poisons that people use to kill them.
In particular, the mosquito-borne disease malaria kills over 600,000 people annually. Since World War II, people have battled malaria with insecticides – chemical weapons intended to kill Anopheles mosquitoes infected with the Plasmodium parasites that cause the disease.
However, mosquitoes are quickly evolving counterstrategies that make these insecticides ineffective, putting millions of people at greater risk of deadly infection. My colleagues and I have newly published research showing how.
Insecticide resistance threatens public health
As an evolutionary geneticist, I study natural selection – the basis for adaptive evolution. Genetic variants that best promote survival can replace less advantageous versions, causing species to change. Anopheles mosquitoes are frustratingly adept at evolving.
In the mid-1990s, most African Anopheles were susceptible to pyrethroids, a popular type of insecticide originally derived from chrysanthemums. Anopheles control relies on two pyrethroid-based methods: insecticide-treated bed nets to protect sleepers, and indoor residual spraying of insecticide against the walls of homes. These two methods alone likely prevented over a half-billion cases of malaria between 2000 and 2015.
However, mosquitoes today from Ghana to Malawi are often able to survive insecticide concentrations 10 times the previously lethal dose. Along with Anopheles control efforts, agriculture also inadvertently exposes mosquitoes to pyrethroids and contributes to insecticide resistance.
In some African locales, Anopheles is already showing resistance to all four main classes of insecticide used for malaria control.
Adaptation in Latin American mosquitoes
Anopheles mosquitoes and the malaria-causing Plasmodium also occur outside Africa, where insecticide resistance is less well-researched.
In much of South America, the main malaria vector is Anopheles darlingi. This mosquito species has diverged evolutionarily from the African vectors so extensively that it might be a different genus, Nyssorhynchus. Along with colleagues from eight countries, I analyzed over 1,000 Anopheles darlingi genomes to understand its genetic diversity, including any recent changes due to human activity. My collaborators collected these mosquitoes at 16 locations ranging from the Atlantic coast of Brazil to the Pacific side of the Andes in Colombia.
We found that, like its African counterparts, Anopheles darlingi shows extremely high genetic diversity – more than 20 times that of humans – indicating that very large populations of this insect exist. A species with such a vast gene pool is well poised to adapt to new challenges. The right mutation giving it the advantage it needs is more likely to pop up when there are so many individuals. And once that mutation starts to spread, it’s protected by numbers since it won’t be wiped out if a few mosquitoes die by chance.
In contrast, bald eagles in the contiguous U.S. were never able to evolve resistance against the insecticide DDT and approached extinction. Evolution is more efficient among millions of insects than mere thousands of birds. And indeed, we saw signals of adaptive evolution in the resistance-related genes of Anopheles darlingi occurring over the past few decades.
Mosquitoes evolve to detoxify poisons
Insecticides like pyrethroids and DDT share the same molecular target: channels in nerve cells that can open and close. When open, the nerve cell stimulates other cells. These insecticides force the channels to remain open and continuously fire, causing paralysis and death. However, insects can evolve resistance by changing the shape of the channel itself.
Earlier genetic scans performed by other researchers had not detected this type of resistance in Anopheles darlingi, and neither did ours. Instead, we found that resistance is evolving in another way: a group of genes encoding enzymes that break down toxic compounds. High activity of these enzymes, called P450, frequently underlies resistance to insecticides in other mosquitoes. The same cluster of P450 genes has changed independently at least seven times across South America since insecticide use began in the mid-20th century.
In French Guiana, a different set of P450 genes exhibits a similar evolutionary pattern, cementing the clear connection between these enzymes and adaptation. Moreover, when we exposed mosquitoes to pyrethroids in sealed bottles, differences among the P450 genes of individual mosquitoes were linked to the length of time they stayed alive.
Insecticide-heavy campaigns against malaria have been only sporadic in South America and may not be the main driver behind this evolution. Instead, it’s possible that mosquitoes are being exposed indirectly to agricultural insecticides. Intriguingly, we saw the strongest signs of evolution in places where farming is prevalent.
Toward more sophisticated vector control
Despite new vaccines and other recent advances against malaria, mosquito control remains essential for reducing disease.
Some countries are launching trials of gene drives to control malaria, which involve forcing a genetic modification into a mosquito population to reduce their numbers or their tolerance for Plasmodium. Such prospects are exciting, though the relentless adaptability of mosquitoes could be an obstacle.
I and others are revising methods to efficiently test for emerging insecticide resistance. Genome-scale sequencing remains important to detect new or unexpected evolutionary responses. The risk of adaptation is highest under a continuous, strong selection pressure, so minimizing, switching and staggering pesticides can help thwart resistance.
Success in the fight against evolving resistance will require a coordinated effort of monitoring, and reacting accordingly. Unlike evolution, humans can think ahead.
Jacob A Tennessen, Research Scientist in Immunology and Infectious Diseases, Harvard University
This article is republished from The Conversation under a Creative Commons license. Read the original article.
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Last Updated on April 12, 2026 by Daily News Staff
Today, we’re undertaking important site maintenance to improve the performance and user experience of the Sleeves SPR Store while completing the merger with STM-STORE.
This transition marks a key step in streamlining our online shopping experience—bringing all merchandise under one unified platform. Our goal is to deliver a faster, more reliable, and more seamless store for our community.
What to Expect During Maintenance
As we work through this upgrade and integration process, visitors may notice:
- Temporary downtime on both Sleeves SPR Store and STM-STORE
- Intermittent access interruptions
- Ongoing updates and improvements behind the scenes
We understand that downtime can be inconvenient, and we appreciate your patience as we complete these upgrades.
Staying Informed
We’ll continue to keep you updated on our progress and notify you as key milestones are reached. Our team is working to complete this transition as efficiently as possible while ensuring everything runs smoothly once fully launched.
Thank You for Your Support
We’re grateful for your continued support as we improve and grow. This merger represents an exciting step forward, and we look forward to delivering an enhanced shopping experience very soon.
Stay tuned for updates.
