Education First

According to statistics from the National Council on Economic Education, only seven states require high school students to take a personal finance course while eight others require courses with personal finance content.

This was from a 2004 survey that also showed only nine states test personal finance knowledge. These numbers are beginning to change as the state of Missouri joins the fray and will require one-half unit of credit in personal finance instruction for graduation in 2010.

A 2004 national survey by the Jumptart Coalition for Personal Financial Literacy measured 12th graders’ knowledge of basic personal finance. On average, students who participated in the survey answered correctly only 52.3 percent of the questions – an “F” in most high school classrooms.

Financial illiteracy isn’t a problem limited to students. Half of U.S. adults received a failing grade for their knowledge of basic economic concepts, according to the NCEE.

But there is hope in education. The National Endowment for Financial Education has confirmed that as few as 10 hours of classroom instruction can improve spending and saving habits.

Because financial literacy is fundamental to personal success and a benefit to society, American Century provides support for financial education.

In cooperation with a premier education consultant, the investment manager developed Tips for Kids and Tips for Life, curricula for use in the classroom. To date, these programs have been used by more than 3,000 educators in all 50 states. The free programs are delivered via the Internet to educators and are presented to education conferences to help users implement the programs in their schools.

American Century’s efforts to improve financial literacy extend beyond the Tips for Kids and Tips for Life programs. Free educational materials and tools are available on its Web site. And the information presented in American Century founder James E. Stowers’ “Yes You Can…” book series is designed to share the personal experiences and ideas that helped him become successful.

Educating today’s students on basic financial principles will pay dividends in the future because they are tomorrow’s social, political and economic leaders.

Orlando, Floridas Epcot is a tourist attraction that will take a full day to explore, but if you want to sample all of the rides and exhibits, you have a multi-park ticket and find a spare half-day on your hands, then you may find you need to come back to Epcot to finish off what you dont manage to see the first time this is especially true in summer where queues for some exhibits can be quite long.

Split into two main sections Epcot consists of Future World and World Showcase. These two sections are then fragmented into different individual exhibits on all a theme which fits the overall theme of the section.

Future World is divided up into sections such as Spaceship Earth which is about the history of communication and technologies, Innovations with its interactive technological exhibits, Test Track a high speed ride on an automotive factory testing grounds, Universe of Energy which shows how to generate energy and the Land and Seas Exhibitions where the attractions give fun ways of learning about our natural environment both on land and in the sea. Space enthusiasts will love with Mission: SPACE ride which simulates space program training!

In the World Showcase you can travel around the world in as little time as you have available. Each of the countries in the showcase has a interactive exhibit, a gift store selling produce and goods from the country, and food/drink traditional to that part of the world. Some of the exhibits are more fact (such as the 360 Circle Vision movies for Canada and China) than fun (such as Norways Maelstrom boat ride, and Americas audio-animatronics American Adventure), but theres something for everyone and none of the rides in the exhibits are wild, making them good for all age groups.

Refreshments in Epcot are expensive, but apart from that, Epcot is a tourist attraction thats primarily entertaining, but which also educates in a fun way at the same time, making it a great place to bring the kids to learn about the world in which they live.

If you are searching for the right educational toys for your preschooler, you may be overwhelmed with all the options available. Toy manufacturers are now busier than ever, working hard to keep up with the latest trends and styles, and competing to make their toys the best and most popular among small children. Though the decision of what to buy your child can be difficult, here are several suggestions that may help you.

When choosing an educational toy, you want to be sure it will serve its educational purpose. You want your child to learn something while playing with a particular toy, and for that to remain a popular one with your preschooler for a reasonable amount of time. This is why you should choose carefully.

When selecting educational toys, it is also important to keep your child’s interests in mind. Remember, it isn’t the educational factor that will interest your child, rather the fun the toy will bring. Encourage your child to play with different toys and learn new things, but always try to give preference to the more educational preschool-level toys, whether they teach basic math or reading skills, color recognition, or just stimulate different parts of a child’s developing brain. After all, these simple, educational games can often be the most entertaining.

Chalkboards are among the most popular toys for preschoolers. They are also among the oldest. And since many modern chalkboards are double-sided– with a chalkboard on one side and a magnetic board for plastic letters on the other, this toy can also serve a dual purpose. By playing with it, your child will be able to learn the letters of the alphabet with the magnetic letters, and then be able to practice those letters on the chalkboard once this is accomplished. It also allows for free-hand drawing and hours of creative fun.

Toy pianos are also among the most popular and most beneficial toys. As shown in recent studies, children who learn music, even on the most basic level, tend to perform better in math and science-oriented subjects, and also tend to score higher on scholastic exams. Aside from that, this kind of toy is a great way for your child to be creative while making his or her very own music.

Blocks have long been among the most basic, yet most fun toys a child can own. There are many types from which to choose, from blocks that interlock, to those that simply balance on one another. Your child will have hours of fun building towers, houses, or just simply learning to stack and count.

No matter which educational toys you choose, be sure they are age-appropriate for your child. Check to be sure they don’t have loose parts that could be harmful to your child, and that they aren’t too complicated for his or her age and education level. You do not want your child to become discouraged by playing with a toy he or she does not understand. Also, play with your children. If you show an interest in the toys you buy, they are more likely to do the same.

By six months of age your baby may be sitting unassisted, her coordination skills are growing in leaps and bounds, and she will soon be crawling, standing, and then walking. Six to twelve months is a fun time for parents and babies. Play a variety of games with your little one and watch her quickly master new skills, like language skills and fine and gross motor development.

Between 6 and 9 months your baby will love to experiment with simple cause and effect relationships like pressing a button to play a song. Little ones also love to explore sounds by banging spoons and toys together or on the table at this age. Give your baby an assortment of pots, coffee cans, and containers along with wooden spoons and metal spoons. Encourage her to play the drums as you sing along. The Fisher Price Laugh & Learn Toy Bench is a great toy to satisfy those banging urges. It also offers a number of educational benefits, like color and letter recognition, and provides opportunities for your baby to explore cause and effect.

Games with balls are a lot of fun at this age. Use soft, squishy balls to roll back and forth across the floor with your baby. Try dropping beanbags into a wide, open container. Your little one will love taking them out just as much as watching you toss them in. Once your baby starts to crawl, set up an obstacle course for her to crawl over. Pillows, large stuffed animals, and piles of soft cloth scraps make perfect climbing obstacles to boost her crawling skills and strengthen the muscles she will soon use to walk.

Sometime between 9 months old and the first birthday, most babies will begin to walk, some earlier and some later. During this age, your baby will be developing a number of new large muscles as well as her fine motor skills. She will know how to hold her toys and can probably throw them. These soon-to-be toddlers also love to imitate and copy the things they see.

Play sound games with your baby. Make a sound or unusual noise and encourage your baby to copy it. Try this with funny faces and movements for even more fun. Stacking and arranging blocks, cups, or other toys is also a fun game to enhance fine motor development. Give your baby an assortment of toys and a big box and watch her meticulously put them in and then dump them again all over the floor.

Sing lots of silly songs with your child and read everyday. Language skills are becoming quite strong during this stage and her vocabulary of understood words is growing rapidly. Repetition of her favorite story books, nursery rhymes, and songs can give her an even better understanding of the common patterns of spoken language. Songs with movements, like the Itsy Bitsy Spider, are favorites at this age.

As your baby begins to cruise around the house, typically using furniture to aid her balance, play walking games. Hold her teddy bear or another cherished toy a few steps away and encourage your little one to walk to you to get it. Remember to praise her efforts and not to make too big of a deal when she stumbles or falls. Once your baby becomes a confident toddler, there are tons of new games to enjoy together!