Lifestyle
POLL: MAJORITY OF U.S. ADULTS SUPPORT HIGH SCHOOLS REQUIRING FINANCIAL EDUCATION FOR GRADUATION
Americans overwhelmingly agree that learning money skills at an early age is important. In fact, 80% of American adults wish they had been required to take a semester- or year-long financial education class in high school. This polling reinforces the national support for personal finance to be a part of learning in all schools
DENVER, Sept. 27, 2022 /PRNewswire/ — Most adults believe that students back in the classroom this fall should be required to take financial education courses, according to a poll from the National Endowment for Financial Education® (NEFE®). The poll finds 88% of U.S. adults say their state should require a semester- or year-long financial education course for graduation.
“Some states already require students to take a financial education course, and some states are in the process of instituting this curriculum. Americans overwhelmingly agree that learning money skills at an early age is important. In fact, 80% of American adults wish they had been required to take a semester- or year-long financial education class in high school,” says Billy Hensley, Ph.D., president and CEO of NEFE. “This polling reinforces the national support for personal finance to be a part of learning in all schools.”
Financial education has been a hot topic this year with more than half the state legislatures plus D.C. having introduced financial education-related bills. Nationwide, 15 states now either require a course or are implementing one.
NEFE and AmeriSpeak surveyed U.S. adults on high school financial education graduation requirements, what they wish they had access to when they were students and what they believe is important for existing students. High-level results from this polling include:
- 88% said their state should require a semester- or year-long financial education course for graduation.
- 80% said they wish they were required to take a semester- or year-long financial education course during high school.
- 75% said that spending and budgeting is the most important financial education topic to teach for personal finance education, followed by managing credit (55%), saving (49%) and earning income (47%).
A demographic breakdown of the data includes these highlights:
- Older cohorts (ages 45-59 and ages 60+) were significantly more likely than the youngest aged cohort (ages 18-29) to say their state should mandate financial education for high school graduation (18-29 y/o: 79%; 45-59 y/o: 93%; 60+ y/o: 92%).
- Adults with a postsecondary degree were significantly more likely to say their state should mandate financial education than adults with no high school diploma (91% vs. 71%).
- Men and women were similarly likely to indicate that their state should mandate financial education and wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
- Adults with household income under $30,000 (73%) were less likely than the highest earning income groups—those earning $60,000 to $100,000 and those earning $100,000 or more (84% to 85%)—to say they wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
- Non-Hispanic whites (84%) were more likely than non-Hispanic Blacks (73%) and Hispanic (73%) adults to say they wished they were required to complete a semester- or year-long course focused on personal finance education during high school.
“Now that school’s back in session, educators must be attentive that youth are being taught the important life skill of money management. There is tremendous demand, and research continues to validate that financial education builds a solid foundation for how students will manage their money as adults,” adds Hensley. “Legislation plays a role in school-based education, but also in working toward creating, and regulating, a financial system that provides a fair playing field for all.”
See the full summary report for a detailed overview of the poll results, demographic differences and full survey methodology.
For more information on NEFE consumer polls, click here.
About NEFE
The National Endowment for Financial Education (NEFE) is the independent, centralizing voice providing leadership, research and collaboration to champion effective financial education and advance financial well-being. NEFE has received national recognition for strengthening action-oriented research agendas, mobilizing intermediaries, and creating better solutions for researchers, educators, practitioners and policymakers. NEFE, one of the first organizations dedicated to this mission, is celebrating its 30th year of operations in 2022. For more information, visit www.nefe.org.
SOURCE National Endowment for Financial Education
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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(Family Features) Taking good care of your skin all year long is essential, but even more so in the summer when the power of the sun is at its strongest. Healthy skin doesn’t require fancy moisturizers or expensive skin care products. You just need to adopt a few healthy habits.
For example, keeping your skin healthy and glowing starts from the inside out by eating and drinking healthy foods and beverages that nourish your body’s largest organ and promote healthy skin cells. Additionally, studies show certain foods, such as fresh, juicy grapes, may help protect healthy skin even when exposed to UV light, which is known to damage skin cells.
A study published in the journal “Antioxidants,” in which people consumed 2 1/4 cups of grapes every day for two weeks, showed increased resistance to sunburn and reduced markers of UV damage at the cellular level. This study reinforced previous and similar findings published in the “Journal of the American Academy of Dermatology.” Grapes are also a hydrating food with 82% water content; hydration is essential to healthy skin.
Along with snacking on fresh, delicious California grapes, consider these everyday ways you can keep your skin safe from the sun’s rays.
Seek Shade
Most experts recommend avoiding the sun at the height of the day, between 10 a.m. and 2 p.m., when its rays are at full strength. That doesn’t mean you can’t be outside – just seek shade as often as possible while enjoying the warm summer air.
Prioritize Hydration
Drinking water and staying hydrated is important year-round, but especially when it’s hot and you’re more likely to lose water content through sweat. Keep your body full of moisture with simple and delicious Grape-Infused Waters. For a zesty kick, try Grape, Ginger and Lime that combines the sweetness of grapes with the zing of ginger and lime, or Grape, Lemon and Mint, offering a bright and invigorating blend of citrus and mint. Enter your Zen state with a mellow, spa-like sip from Grape, Cucumber and Mint.
For a cool, hydrating snack, try freezing grapes. Simply rinse, pat dry, remove from the stems and freeze for 2 hours in a single layer on a sheet pan. You can even enjoy them as flavorful ice cube replacements in these easy-to-prepare, flavorful beverages.
Layer Up
While you’re enjoying the sunshine, layer up with a generous application of 30 SPF or higher sunscreen every 1-2 hours. Wear lightweight, long-sleeve shirts; wide-brimmed hats; sunglasses; and other protective clothing to reduce sun exposure, which can lead to wrinkles, age spots and other health problems, including an increased risk of skin cancer.
Visit GrapesFromCalifornia.com for more delicious recipes and information on grapes and health.
A Trio of Grape-Infused Waters
Servings: 4 Grape, Ginger and Lime:- 1 heaping cup Grapes from California, muddled, plus additional for serving (optional)
- 5 quarter-size slices peeled fresh ginger, muddled
- 4 lime slices
- 4 cups water
- ice
- 1 heaping cup Grapes from California, muddled, plus additional for serving (optional)
- 3 lemon slices
- 3 large stems fresh mint
- 4 cups water
- ice
- 1 heaping cup Grapes from California, muddled (plus additional for serving (optional)
- 6-8 thin slices cucumber, halved
- 3 large stems fresh mint
- 4 cups water
- ice
- To make grape, ginger and lime water: In pitcher, place grapes, ginger and lime slices. Add water and stir well. Cover and chill overnight.
- Before serving, stir well and pour into ice-filled glasses, adding grapes to each glass, if desired.
- To make grape, lemon and mint water: In pitcher, place grapes, lemon slices and mint. Add water and stir well. Cover and chill overnight.
- Before serving, stir well and pour into ice-filled glasses, adding grapes to each glass, as desired.
- To make grape, cucumber and mint water: In pitcher, place grapes, cucumber and mint. Add water and stir well. Cover and chill overnight.
- Before serving, stir well and pour into ice-filled glasses, adding grapes to each glass, as desired.
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(Family Features) Pruning, or the practice of removing dead or diseased branches from flowering plants – including certain herbs, vegetables, shrubs, trees and flowers – allows them to focus their energy on new growth and blossoms, which can result in a more robust and abundant flowering season.
While the optimal time to prune is largely dependent on the type of plant and its blooming cycle, in general completing the chore shortly after first bloom can help shape plants, ensuring they grow in a desirable manner, and improve air circulation and light penetration, which help prevent fungal diseases.
Start by gathering the necessary tools, including sharp bypass pruners, loppers, a pruning saw and hedge shears, then consider these simple steps to begin pruning your plants:
- Inspect your plants and remove any dead, diseased or damaged branches.
- Find branches that cross or rub against each other and remove one of the crossing branches to allow the other to grow freely.
- Thin out the plant by removing any overcrowded branches.
- Shape the plant as desired, maintaining its natural form and structure.
Find more lawn and garden advice by visiting eLivingtoday.com.
Photo courtesy of Shutterstock
SOURCE:
eLivingtoday.com
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(Family Features) Senior year of high school is a time for big changes for most people, but for Emani McConnell-Brent, she did not expect it would include changes to her health. After being rushed to the emergency room with severe stomach pain, McConnell-Brent learned the problem was her kidneys and she was diagnosed with a kidney disease called focal segmental glomerulosclerosis (FSGS).
After her diagnosis, McConnell-Brent struggled to get the right medicines to treat her disease. She was encouraged to undergo a genetic test and discovered her FSGS was the result of APOL1-mediated kidney disease (AMKD), a rapidly progressive genetic kidney disease that can cause kidney failure. The diagnosis brought McConnell-Brent some relief, both physically and emotionally.
“Knowing it’s genetic and knowing I’m taking care of myself makes a big difference in my mental state,” said McConnell-Brent, now 21 and an ambassador for the American Kidney Fund.
Everyone has two copies of the apolipoprotein L1 (APOL1) gene – one from each parent – but Black Americans of West and Central African ancestry are more likely to have changes (variants or mutations) in their APOL1 gene that cause AMKD. This genetic form of kidney disease can develop even at a young age, in otherwise healthy people, and can advance faster than other kidney diseases.
An estimated 13% of Black Americans have the two APOL1 gene variants that are associated with AMKD. Those who have variants in both copies of the APOL1 gene have a 1 in 5 chance of developing kidney disease.
“A lot of people don’t even know about how prevalent the APOL1 gene is in the African American community,” McConnell-Brent said.
Early diagnosis of AMKD can keep your kidneys working longer, delaying the need for dialysis or a kidney transplant.
If you have kidney damage, symptoms may not occur until your kidneys are close to failing. As kidney damage worsens, one or more of these symptoms may occur:
- Protein in urine
- Swelling in legs or weight gain
- Feeling weak or tired
- High blood pressure
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