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
Last Updated on July 27, 2024 by Daily News Staff
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
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Gifts That Light the Way This Holiday Season
(Feature Impact) The holidays are a time for giving, whether that’s finding a thoughtful gift, sharing a meal or showing kindness to someone in need. This season, that spirit of generosity can extend far beyond your own communities to aid more than 200 million children around the world in need of humanitarian assistance. For children facing conflict, disaster and other challenges, every hour counts; a gift can mean warm clothes, lifesaving supplies, a chance to continue their education and hope for a brighter future.
The fastest response begins long before disaster strikes, wars break out, storms have names or one case becomes an outbreak. For 80 years, UNICEF has delivered at the speed of need, with supplies prepositioned and teams already on the ground with a presence in more than 90 countries and territories plus a supply network that reaches children by plane, boat, truck, motorbike, donkey and even drone.
From the world’s largest humanitarian warehouse in Copenhagen, the organization can get lifesaving essentials, such as nutrition, shelter and warm clothing, to even the world’s hardest-to-reach children and families within 72 hours of an emergency.
Every gift helps keep lifesaving supplies stocked and ready to move. Your support means when a child needs help, it’s already on the way. This holiday season, there are many ways to be part of that work.
For example, with UNICEF Market and Inspired Gifts, it’s easy to bring education and lifesaving essentials to children around the world. This year, share the warmthby providing blankets for children, empower kids with artby sending a classroom art kit to help children heal and learn or deliver the care bundle of soap to families.
Inspired Gifts will also be featured for the ninth consecutive year in Light the World Giving Machines in cities across the country. The machines work like vending machines, but instead of snacks, passersby can purchase gifts that help children around the world, such as 100 doses of polio vaccine, 125 packets of ready-to-use therapeutic food or a school commuter bike.
You can also support quality education in Malawi through The K.I.N.D. (Kids in Need of Desks) Fund. Now in its 16th year, the fund has raised more than $55 million to remove financial barriers to education and provided more than 420,000 classroom desks and 52,000 scholarships that help girls stay in school beyond the primary level.
Whether through Inspired Gifts, a Giving Machine, a classroom desk in Malawi or a gift from a UNICEF partner, every contribution offers a meaningful way to make a difference and help build a brighter future for children around the world.
Your Marriott Bonvoy points can protect and care for children worldwide. From Dec. 1-8, the travel company will match five points for every point members donate to philanthropic partners, up to 25 million total points. Additionally, members who earn 50 or 75 qualifying nights in a calendar year are eligible to select UNICEF to benefit from their Annual Choice Benefit with a $100 donation. Learn more at giving.marriott.com.
If you’re interested in making a personal donation and your employer has a workplace giving platform, you can increase the impact of your donation by searching for your employer on the matching gifts page to see if they have a matching gift program that could double, or even triple, what your donation can do for children.
Visit unicefusa.org/giving2026 to learn more and deliver at the speed of need to children this holiday season.
SOURCE:
UNICEF
Family
The House That Hosts: When Your Home Becomes Your Holiday Entertaining Partner
The House That Hosts: There’s a special pleasure in opening your home for the holidays to share the menu you’ve imagined, welcome guests to the glow of a room ready for company and enjoy the anticipation of familiar faces at the door. This year, make sure the house itself can lend a hand.
The House That Hosts: When Your Home Becomes Your Holiday Entertaining Partner
(Feature Impact) There’s a special pleasure in opening your home for the holidays to share the menu you’ve imagined, welcome guests to the glow of a room ready for company and enjoy the anticipation of familiar faces at the door. Every detail is an opportunity to make the loved ones you’ve invited feel especially welcome.
This year, make sure the house itself can lend a hand.
From the kitchen to the living room to the guest bathroom, residential technology offers new ways to turn a host’s imagination into a memorable experience. The best innovations don’t take over the occasion. They help the person bringing everyone together make it extraordinary.
Nor does a home need an elaborate network of connected gadgets. A few well-chosen technologies can make a difference. Explore these ideas from the bathroom design and technology experts at TOTO to level up the different hosting areas of your home as you prepare to gather with family and friends this holiday season.
The Kitchen: Bringing Something Extraordinary to the Table
The holidays invite a little culinary ambition, and today’s kitchens are borrowing a few tricks from professional chefs.
Imagine presenting a beef tenderloin cooked to a perfect rosy pink from edge to edge, thanks to the precision of sous vide cooking. Or bringing a platter of roasted root vegetables to the table, their edges beautifully caramelized and their centers tender, prepared in a steam-convection oven. On an induction cooktop, precise, responsive heat helps turn fresh mushrooms into a golden, savory accompaniment.
These technologies put sophisticated techniques within reach of adventurous home cooks, opening the door to new preparations and dishes worthy of special occasions. Experiment with new flavors and rich cuisines that fill your home with enticing aromas and your guests with awe at the first bite.
Nothing says “happy holidays” quite like watching guests discover what you’ve created for them.
The Living Area: Setting the Stage for Connection
Holiday gatherings have a rhythm all their own. The first arrivals are greeted with excitement, conversations pick up where they left off months (or years) prior, and before long, the room is filled with laughter and the pleasure of being together.
Today’s smart lighting systems allow hosts to create and schedule scenes that shift from the sparkle of a festive welcome to the softer, golden glow of an intimate evening. Multiroom wireless audio systems can bring lively music into the kitchen while keeping it a gentle accompaniment to conversation in the living area. Digital art displays can turn a television screen into a gallery of artwork chosen to complement the celebration, bringing holidays past to life as loved ones mingle in the present.
Successful holiday entertainment engages people not merely as observers, but participants. A short film could start an inspiring conversation, the right music might get people dancing and atmospheric visual-audio experiences, like a crackling fireplace or soft snowstorm, can create a relaxing seasonal backdrop for shared activities.
With the atmosphere changing quietly in the background, no one needs to interrupt a favorite story to adjust the lights or lower the music. The host can simply enjoy the company they’ve brought together.
The Bathroom: The Art of Personal Comfort
The most gracious hosts think beyond the rooms where guests gather. Fresh towels, fragrant soaps and a few unexpected comforts can make the guest bathroom feel every bit as welcoming as the rest of the home.
Technology adds a new dimension to that hospitality. Consider a TOTO WASHLET bidet seat, which offers the welcome warmth of a heated seat, the refreshing pleasure of warm-water cleansing and the soothing comfort of warm-air drying. It’s an unexpected luxury that makes an everyday experience feel special.
Hosts can choose an option that complements their home’s character. The S2 offers inviting simplicity with convenient side-panel controls. The sleek S5 pairs contemporary elegance with a wireless remote. Meanwhile, the S7A adds a touch of theater with a lid that opens automatically, a softly glowing nightlight and personalized cleansing settings.
Even the housekeeping benefits from a little ingenuity through automatic PREMIST and EWATER+: One mists the toilet bowl before use to help keep it cleaner, while the other cleans the cleansing wand and, on select models, the bowl itself with electrolyzed water.
It’s another way a thoughtful host can anticipate guests’ needs and make them feel wonderfully welcome.
Long after the last guest has departed, what lingers isn’t the sophistication of the house. It’s the meal that inspired compliments, the conversations no one wanted to end and the little surprises that made everyone feel at home.
Those are the moments that make holiday entertaining special. Behind each one is a host whose warmth, creativity and attention to detail made it possible, with a little help from the house. Explore more sophisticated bathroom upgrade ideas for the holidays and beyond at TOTOUSA.com.
Photo courtesy of Shutterstock (holiday table)
SOURCE:
TOTO
Community
4 Ways to Preserve Veterans’ Stories for Future Generations
Family stories, photographs, letters and memories all have a place in the broader story of humanity, but if they aren’t recorded and preserved, they can fade over time. Consider these ways to help the veterans in your life preserve their stories and leave their mark on history. Preserve Veterans’ Stories for Future Generations
4 Ways to Preserve Veterans’ Stories for Future Generations
(Feature Impact) History is built from stories and memories, which is why it’s important to listen to the people who were there as the world changed. Family stories, photographs, letters and memories all have a place in the broader story of humanity, but if they aren’t recorded and preserved, they can fade over time.
Because more than 70 years have passed since the Korean War ended, opportunities to hear firsthand accounts from earlier conflicts grow fewer as time passes. Veterans and their families may be able to help record stories and lessons from “The Forgotten War” that might otherwise be lost.
You don’t need to be a historian to help preserve your loved ones’ memories and experiences. Programs like the Library of Congress Veterans History Project are dedicated to collecting stories from people like Private First Class Robert Lawrence Barber, who wrote regular letters home to his mother while serving in Korea. They paint a harrowing picture of combat, exhaustion, cold, fatigue and the stark realities of war that should never be forgotten. Experiences away from combat can be equally revealing, from daily routines and friendships to unexpected challenges.
Consider these ways to help the veterans in your life preserve their stories and leave their mark on history.
Start the Conversation Now
When it comes to recording memories, time is of the essence, especially for those who served in Korea. Decades may have passed, but each day makes a difference. Sit down with your loved one and gently start the conversation. You don’t have to get the entire backstory at once, but you can begin asking questions about their military experience and give them time to gather their thoughts.
Record Their Story
How a story is told can add dimension to the story itself. An audio or video recording preserves your loved one’s voice, expressions and emotions along with their words, giving your family memories to look back on for generations. Choose a quiet, comfortable space and test the equipment before recording.
Consider Preserving the Story Beyond Your Family
Family stories are most meaningful to those who know and love the storyteller, but they also matter to the world. Sharing veterans’ stories – including difficulties and ordinary moments – offers others a firsthand view of military life. Libraries and oral history archives may be able to preserve qualifying material for a wider audience.
“We want all stories, not just those from the foxhole or the battlefronts, but from all veterans who served the United States in uniform,” said Monica Mohindra, director of the Veterans History Project. “What did they hear? What did they see? What did it mean to them?”
If you have oral history interviews, and/or original photographs, letters or other records, consider contributing them to be archived and made accessible to future generations. Staff members are available to help you curate and select physical materials to contribute to the nation’s library.
Give Old Photos and Letters Context
Brush the dust off those old photo albums, scrapbooks and memory boxes because they may contain tangible pieces of history. A photograph, letter or piece of memorabilia could be what a veteran needs to bring fuzzy memories back into focus – whether it’s seeing the face of an old comrade or reading a letter written home. That gives you the opportunity to hear new stories and fill in context.
Learn more, discover veterans’ histories and find instructions for contributing veterans’ stories at loc.gov/vets.
Photo courtesy of Shutterstock (man looking at photo album)
Photo courtesy of the Library of Congress (group of soldiers)
SOURCE:
Library of Congress Veterans History Project
