Wednesday, October 12, 2016

Financial Recklessness vs. Drivers Education

Financial Recklessness vs. Drivers Education

      Why is it that you have to go through drivers education  to get a drivers education, but you don't have go through financial education to get a credit card, bank loan, a house, insurance - medical, health, Our Schools need to modernize with these three programs mandated to graduate high school.

      Financial Education: To prepare out youth with life's challenges in the areas from checking account, credit cards, buying and selling a car, house, preliminary laws about bankruptcy, and what a credit score is and how important it is in life. (2, 4)

      Medical Education: To prepare our youth, and adults to understand our human bodies and how to diagnose simple aliments in life, similar training to that of a EMT or physicians assist. A higher level health and education class about what foods we should eat at certain ages, and the positive and negative results in eating junk food or healthy food and why. (3)

     Emergency first aid and CPR training would be required to graduate high school with understanding of treatment of basic ailments such as flu, and symptoms to a wide variety of diseases. This would help to alleviate the overcrowding in emergency rooms when thousands of people bring in their children to the emergency rooms. The Red Cross has many programs to teach high school students and adults the merits of being medical prepared in life's emergencies.

     Chemistry Education: There are millions of Americans that don't know the dangers of mixing certain household chemical together such as Ammonia and Bleach. We need American literate in all areas of science due to the needs of our society with those who have a science, and computer background.

     English Educations: Students should read at least 100-200 books by the time they graduate high school. All students should be taught speed reading and comprehension such as is used by Evelyn Wood. Typing classes need to be taught again in schools. Most people today with computers have never taken a typing class and type with two fingers. The average American reads about 150wpm compared to John F. Kennedy who read over 5000wpm after taking such speed reading classes as Evelyn Wood where one's comprehension is 90%. Sub-vocalization or thinking the words is a bad way to learn how to read. 
     Reading out loud is a horrible method to teach children how to read. Students writing today is the worse in generations. Most students that graduate high school have to take remedial English when they enter college to be able to write to APA college standards.
Something is wrong when there are still banned books by many school districts due to the ignorance and religious extremism of many state of local school officials. 1

We don't need STEM - Science Technology Engineering and Math, but something more comprehensive. Students need to be instilled with the love of learning, and reading.
We need specialization classes for the needs of the next generation of society. 
Not everyone has an aptitude in those area. But, they every student should have a level of proficiency in the above areas. 
Why has this been ignored in so many states. State inequality in the levels of educational proficiency in all areas. I have heard that millions of American students that transfer from state to state are often 2-3 grades ahead of other students due to an inequality in teaching and curriculum standards between states. 
    If we are to have a United States maybe we should unite in having a higher standard of education for all of our citizens in all states, held to the highest standards with funding to come from a fixed minimum percentage of the city, and states general funding without the pitfalls of the fluctuation of taxes from property taxes that has had disasterous impacts on this country's educational system.


References:
1. http://www.ala.org/bbooks/frequentlychallengedbooks/classics
2. https://www.financialeducatorscouncil.org/financial-literacy-for-kids/ 
3. http://www.investopedia.com/university/teaching-financial-literacy-kids/
4. https://www.financialeducatorscouncil.org/financial-education-children/
5. http://www.redcross.org/take-a-class/school-programs