According to the 2011 Consumer Financial Literacy Survey Final Report, most Americans do not have financial plans or clear financial goals. Thirty-three percent of US adults, for instance, do not have any non-retirement savings. More than half of US adults do not maintain a budget or track expenditures. With 3.8 million foreclosures in 20106, an [...]
Special needs students are often the most challenging to teach yet also the most neglected by politicians and government educational policymakers. The number of students in special education has skyrocketed since the 1980s and only stabilized in the last few years. During the 2008–2009 academic school year, about 6.5 million students aged 3 through 21 [...]