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Many adults attend financial education classes to help them make more informed financial decisions, based on their knowledge of their financial situation available cash or funds planned expenditures. This volume brings together scholars from the fields of adult education and financial literacy and covers topics that reveal the interrelatedness of the two fields. They show how concepts and knowledge about adult education can be utilized in and illuminate financial education, and they offer insights about how financial education, as an eminently practical subject, shows adults learning and putting their new knowledge into action. This is the 141st volume of this Jossey-Bass series. Noted for its depth of coverage, it explores issues of common interest to instructors, administrators, counselors, and policymakers in a broad range of adult and continuing education settings, such as colleges and universities, extension programs, businesses, libraries, and museums.
Consumer financial literacy education often appears as a helpful, commonsense solution to neoliberalism and the individualization of responsibility for economic risk. However, in Financial Literacy Education: Neoliberalism, the Consumer and the Citizen this particular literacy is argued to be both ineffective and unjust. Socially created poverty, unemployment and economic insecurity require more than individual consumer solutions; they require collective responses by engaged, critical citizens. Utilizing concepts from Marx, Foucault, Bourdieu and Baudrillard this book challenges those who claim that ‘there is no alternative’ to neoliberal insecurity and reduce education to a consumerist training of entrepreneurial consumer-citizens who can continually invest in themselves and the market. Through an analysis of consumer fi nancial literacy education’s present and historical supports, as well as its likely effects, this book argues that the choice before us is not fi nancial illiteracy or fi nancial literacy. Rather, the choice is between subjugation to the requirements of perpetual competition or overcoming alienation, insecurity and exploitation, aims the critical fi nancial literacy education outlined at the end of this book supports. This book will appeal to those interested in understanding the conditions of our freedom in an increasingly fi nancialized world – critical educators, philosophers and sociologists of education and fi nancial literacy researchers.
This book promotes the development of nontraditional literacies in adult education, especially as these critical literacies relate to global citizenship, equity, and social justice. As this edited collection argues, a rapidly changing global environment and proliferation of new media technologies have greatly expanded the kinds of literacies that one requires in order to be an engaged global citizen. It is imperative for adult educators and learners to understand systems, organizations, and relationships that influence our lives as citizens of the world. By compiling a comprehensive list of foundational, sociocultural, technological and informational, psychosocial and environmental, and social justice literacies, this volume offers readers theoretical foundations, practical strategies, and additional resources.
In this book, experts in the fields of LD and adult literacy describe the characteristics, demographics, education, and employment status of adults with severe learning disabilities and discuss the laws that protect them in the workplace and in educational settings. Sample forms, checklists, resource lists, and examples from staff preparation programs are included.
The objective of this book is to prompt a re-examination of financial literacy, its social foundations, and its relationship to citizenship education. The collection includes topics that concern indigenous people’s perspectives, critical race theory, and transdisciplinary perspectives, which invite a dialogue about the ideologies that drive traditional and critical perspectives. This volume offers readers opportunities to learn about different views of financial literacy from a variety of sociological, historical and cultural perspectives. The reader may perceive financial literacy as representing a multifaceted concept best interpreted through a non-segregated lens. The volume includes chapters that describe groundings for revising standards, provide innovative teaching concepts, and offer unique sociological and historical perspectives. This book contains 13 chapters, with each one speaking to a distinctive topic that, taken as a whole, offers a well-rounded vision of financial literacy to benefit social education, its research, and teaching. Each chapter provides a response from an alternative view, and the reader can also access an eResource featuring the authors’ rejoinders. It therefore offers contrasting visions about the nature and purpose of financial education. These dissimilar perspectives offer an opportunity for examining different social ideologies that may guide approaches to financial literacy and citizenship, along with the philosophies and principles that shape them. The principles that teach and inform about financial literacy defines the premises for base personal and community responsibility. The work invites researchers and practitioners to reconsider financial literacy/financial education and its social foundations. The book will appeal to a range of students, academics and researchers across a number of disciplines, including economics, personal finance/personal economics, business ethics, citizenship, moral education, consumer education, and spiritual education.
The parent guide contains activities that are fun for parents and children to do together to enhance learning personal financial principles and skills.
Institutions of academia are experiencing a schism when it comes to adult learners—some recognize and foster the dynamism of this student population while others harbor animosity and frenetic attitudes toward adult learners. There is a compelling need to find benchmarks against which to compare and improve programs, while still maintaining the fast-paced competition for adult learners. This book identifies the best practices necessary to bring adult learning programs to a new level—especially as the stakes among competitors continue to rise. Best Practices in Adult Learning sets the stage by addressing institutional vision, asking the question “What do I want my program to contain or deliver?” It then provides a hands-on set of applications that are designed to strengthen daily practices, while underscoring the importance of faculty development to maintaining the health and vitality of successful adult programs. Next it presents straightforward, diverse, and immediate technological applications for adult learning programs, and finally it gives special attention to the increasing importance of senior learners—the fastest growing demographic in America today. This book is written for faculty and administrators already committed to adult learners but looking for that focused, hands-on guidance and applications for implementing principles of best practices in an adult learner–focused unit or institution. Rather than a cookie-cutter approach, these are the lessons learned over time from some of the most experienced practitioners in the field.
A modern primer on consumer finance and personal money management intended for readers aged 15 to 30, this guide can also serve as a primary text for high school, college, or adult education courses on personal finance. There is growing awareness that teaching consumers more about finance is an urgent national priority—and that their education should begin early. Combining practical advice with targeted information on virtually every aspect of personal finance and money management, this book is the ideal resource for young people who want to start off their financial lives properly. The guide updates traditional personal finance topics, such as budgeting, credit, debt, savings, and investment, and goes beyond those fundamentals to furnish important life lessons on such concerns as career planning, starting a business, Internet fraud, and avoiding financial scams. It even provides useful background on the tax system, how to avoid bankruptcy, legal issues young adults often face, and the plethora of government benefits they can access. In fact, young readers will come away from this book with basic knowledge of every important area of personal finance. Ideal for teens and young adults, the volume will prove useful to parents who want to educate their children about the wise use of money, preparing them to make independent financial decisions. In addition, this book can be used to meet the standards enacted in every state for developing a curriculum guide for teaching financial literacy to high school students. It can also serve as a primary or supplementary resource in personal finance or consumer economics courses for college students and adults.
A high level of literacy in both print and digital media is required for negotiating most aspects of 21st-century life, including supporting a family, education, health, civic participation, and competitiveness in the global economy. Yet, more than 90 million U.S. adults lack adequate literacy. Furthermore, only 38 percent of U.S. 12th graders are at or above proficient in reading. Improving Adult Literacy Instruction synthesizes the research on literacy and learning to improve literacy instruction in the United States and to recommend a more systemic approach to research, practice, and policy. The book focuses on individuals ages 16 and older who are not in K-12 education. It identifies factors that affect literacy development in adolescence and adulthood in general, and examines their implications for strengthening literacy instruction for this population. It also discusses technologies for learning that can assist with multiple aspects of teaching, assessment,and accommodations for learning. There is inadequate knowledge about effective instructional practices and a need for better assessment and ongoing monitoring of adult students' proficiencies, weaknesses, instructional environments, and progress, which might guide instructional planning. Improving Adult Literacy Instruction recommends a program of research and innovation to validate, identify the boundaries of, and extend current knowledge to improve instruction for adults and adolescents outside school. The book is a valuable resource for curriculum developers, federal agencies such as the Department of Education, administrators, educators, and funding agencies.