TL;DR: The authors explored the link between the gender gap in stock market participation and financial literacy and found that women participate less than men in the stock market and score lower on financial literacy than men.
TL;DR: Routinely screening patients for health literacy has not been shown to improve outcomes and is not recommended, so multiple professional organizations recommend using universal health literacy precautions to provide understandable and accessible information to all patients, regardless of their literacy or education levels.
Abstract: Health literacy includes a set of skills needed to make appropriate health decisions and successfully navigate the health care system. These skills include reading, writing, numeracy, communication, and, increasingly, the use of electronic technology. National data indicate that more than one-third of U.S. adults have limited health literacy, which contributes to poor health outcomes and affects patient safety, and health care access and quality. Although there are a number of tools that screen for limited health literacy, they are primarily used for research. Routinely screening patients for health literacy has not been shown to improve outcomes and is not recommended. Instead, multiple professional organizations recommend using universal health literacy precautions to provide understandable and accessible information to all patients, regardless of their literacy or education levels. This includes avoiding medical jargon, breaking down information or instructions into small concrete steps, limiting the focus of a visit to three key points or tasks, and assessing for comprehension. Additionally, printed information should be written at or below a fifth- to sixth-grade reading level. Visual aids, graphs, or pictures can enhance patient understanding, as can more concrete presentation of numerical information.
TL;DR: In this article, the authors use the concept of financial socialization and aim to represent three major agents of monetary socialization: family, school and work, and find in a mediation analysis that both family and school positively affect the financial literacy of adults.
TL;DR: The authors compare the inflation expectations reported by consumers in a survey with their behavior in a financially incentivized investment experiment and find evidence that most respondents act on their inflation expectations showing patterns consistent with economic theory.
Abstract: We compare the inflation expectations reported by consumers in a survey with their behavior in a financially incentivized investment experiment. The survey is found to be informative in the sense that the beliefs reported by the respondents are correlated with their choices in the experiment. More importantly, we find evidence that most respondents act on their inflation expectations showing patterns consistent with economic theory. Respondents whose behavior cannot be rationalized tend to have lower education and lower numeracy and financial literacy. These findings help confirm the relevance of inflation expectations surveys and provide support to the microfoundations of modern macroeconomic models.
TL;DR: The SNS-3 is sufficiently reliable and valid to be used as a measure of subjective numeracy and correlated highly with the full SNS, providing good evidence of criterion and construct validity.
Abstract: Background and Objective. Efficiency in scale design reduces respondent burden. A brief but reliable measure of numeracy may provide a useful research tool eligible for integration into large epidemiological studies or clinical trials. Our goal was to validate a 3-item version of the Subjective Numeracy Scale (SNS-3). Design and Setting. We examined 7 separate cross-sectional data sets: patients in the emergency department (n = 208), clinic (n = 205), and hospital (n = 460; n = 2053) and patients with chronic kidney disease (n = 147), with diabetes (n = 318), and on hemodialysis (n = 143). Measurements: Internal reliability of the SNS-3 was assessed with Cronbach’s α. Criterion validity was determined by nonparametric correlations of the SNS-3 with SNS-8 and other measures of numeracy; construct validity was determined by correlations with measures of health literacy and education. Results: The SNS-3 had good internal reliability (median Cronbach’s α = 0.78) and correlated highly with the full SNS (median...
TL;DR: Using projections based on data from the OECD Programme for International Student Assessment (PISA) and other international student assessments, this report offers a glimpse of the economic and social benefits that all countries stand to gain if they ensure that every child has access to education and acquires at least the baseline level of skills needed to participate fully in society.
Abstract: While access to schooling has expanded around the world, many countries have not realised the hoped-for improvements in economic and social wellbeing. Access to education by itself is an incomplete goal for development; many students leave the education system without basic proficiency in literacy and numeracy. As the world coalesces around new sustainable development targets towards 2030, the focus in education is shifting towards access and quality. Using projections based on data from the OECD Programme for International Student Assessment (PISA) and other international student assessments, this report offers a glimpse of the economic and social benefits that all countries, regardless of their national wealth, stand to gain if they ensure that every child not only has access to education but, through that education, acquires at least the baseline level of skills needed to participate fully in society.
TL;DR: For example, this article found that parents engage in a range of mathematical activities in the home with varying frequency, but no statistically significant relations with preschool children's early mathematics performance, while the relationship between parent-reported home mathematical activities and beliefs about mathematics and the relation between these constructs and preschool-age children's general school readiness skills as well as specific numeracy-related skills was examined.
Abstract: Research Findings: Early mathematical skills and knowledge are strongly related to long-term achievement, and yet the knowledge base regarding the mechanisms through which young children develop these skills and knowledge is limited. Although research has examined the relation of the home numeracy environment and children's early mathematics performance, results have been equivocal. The purpose of this study was 2-fold: (a) to describe parent-reported home mathematical activities and beliefs about mathematics and (b) to examine the relation between these constructs and preschool-age children's general school readiness skills as well as specific numeracy-related skills. Practice or Policy: Descriptive results suggest that parents engage in a range of mathematical activities in the home with varying frequency. Furthermore, results indicate relations between parent-reported mathematical activities and beliefs, but no statistically significant relations with preschool children's early mathematics performance ...
TL;DR: It is concluded that numeric competencies should be used in a more targeted fashion to understand their multiple mechanisms in people's evaluations, choices, and life outcomes.
Abstract: A growing body of evidence demonstrates the practical and theoretical importance of numeracy in evaluations and choices involving numeric information, an importance that goes beyond simple accuracy in performing mathematical computations. Numeric competency, however, may be multiply determined, but little research has examined potentially separable influences in evaluations and choice. In the present article, we describe 3 numeric competencies and begin to disentangle their effects. Participants (N = 111) completed a series of tasks in 4 1-hr sessions. We first examined relations between objective numeracy, subjective numeracy, and symbolic-number mapping abilities (thought to tap into internal representations of numeric magnitude and the mapping of symbolic numbers onto those representations) using a structural equation model. We then explored their dissociations in numeric and nonnumeric tasks. Higher vs. lower scores in objective numeracy were associated with explicit number operations, including number comparisons and calculations. Those with more vs. less exact mapping had better numeric memory (but not nonnumeric) and produced valuations that were closer to (but did not equal) a risky gamble�s expected value, indicating a link with superior number intuitions. Finally, individuals lower vs. higher in subjective numeracy had more negative emotional reactions to numbers and were less motivated and/or confident in numeric tasks. It was less clear whether subjective numeracy might also relate to more general motivations and metacognitions involving nonnumeric information. We conclude that numeric competencies should be used in a more targeted fashion to understand their multiple mechanisms in people�s evaluations, choices, and life outcomes. (PsycINFO Database Record (c) 2015 APA, all rights reserved)
TL;DR: In this paper, the authors report findings about financial literacy and financial planning behavior based on a financial advisory program in India and evaluate survey responses to three standard questions previously used to measure financial literacy.
TL;DR: This paper examined the cross-lagged relationship between the home learning environment and academic achievement in Chinese, and whether parents' socioeconomic status (SES) and child's gender moderate the relations.
TL;DR: In this article, the authors reveal the array of practices arising from strong policy pressure for improved student results in national literacy and numeracy tests in Australia: the National Assessment Programme in Literacy and Numeracy (NAPLAN).
Abstract: This paper reveals the array of practices arising from strong policy pressure for improved student results in national literacy and numeracy tests in Australia: the National Assessment Programme in Literacy and Numeracy (NAPLAN). The paper provides an account of a policy context characterised by significant pressure upon teachers and principals to engage in practices to ensure improved outcomes on standardised literacy and numeracy tests, and of teachers and principals’ responses to these policy pressures. Drawing upon Bourdieu’s theory of practice, the article argues that what is described as the ‘field of schooling practices’ has become increasingly dominated by a ‘logic of enumeration’, and that high test results on standardised literacy and numeracy tests are increasingly valued capitals, evident in a strong focus upon teachers meeting, discussing and informing one another about NAPLAN; engaging in curriculum development practices which foreground NAPLAN, and; actively preparing students to sit the te...
TL;DR: A critical component in enhancing academic success is identifying children at risk of later academic difficulties as mentioned in this paper, although significant efforts have been devoted to design effective assessment techniques. But, as stated in
Abstract: A critical component in enhancing academic success is identifying children at risk of later academic difficulties. Although significant efforts have been devoted to design effective assessment proc...
TL;DR: This article constructed and validated 12 brief early numeracy assessment tasks that measure the skills and concepts identified as key to early mathematics development by the National Council of Teachers of Mathematics (2006) and the National Mathematics Advisory Panel (2008), as well as critical developmental precursors to later mathematics skills noted in the Common Core State Standards (2010).
Abstract: Research Findings: The focus of this study was to construct and validate 12 brief early numeracy assessment tasks that measure the skills and concepts identified as key to early mathematics development by the National Council of Teachers of Mathematics (2006) and the National Mathematics Advisory Panel (2008)—as well as critical developmental precursors to later mathematics skills noted in the Common Core State Standards (2010). Participants were 393 preschool children ages 3 to 5 years old. Measure development and validation occurred through 3 analytic phases designed to ensure that the measures were brief, reliable, and valid. These measures were 1-to-1 counting, cardinality, counting subsets, subitizing, number comparison, set comparison, number order, numeral identification, set-to-numerals, story problems, number combinations, and verbal counting. Practice or Policy: Teachers have extensive demands on their time, yet they are tasked with ensuring that all students’ academic needs are met. To identify...
TL;DR: In this article, the authors discuss recent developments in conceptualizing literacy as a foundation of lifelong learning and identify some current trends, the most important being that literacy is now perceived as a learning continuum of different proficiency levels.
Abstract: In a fast-changing and highly inequitable world, lifelong learning is becoming increasingly important, not only as a key organising principle for all forms of education and learning but also as an absolute necessity for everyone. It is particularly important for disadvantaged individuals and groups who have been excluded from or failed to acquire basic competencies through formal schooling. Within a lifelong learning framework, literacy and numeracy are viewed as foundation skills which are the core of basic education and indispensable to full participation in society. This article discusses recent developments in conceptualising literacy as a foundation of lifelong learning. Starting from the evolving notions of adult literacy, the author identifies some current trends, the most important being that literacy is now perceived as a learning continuum of different proficiency levels. Dichotomous states of being either “literate” or “illiterate” no longer apply. She analyses (1) findings extracted from UNESCO Member States’ national reports submitted to the UNESCO Institute for Lifelong Learning (UIL) for the 2nd Global Report on Adult Learning and Education; (2) a desk study of national literacy campaigns and programmes as well as (3) some recent developments in formal education. Her suggested three-dimensional analytical framework considers literacy as a lifelong and life-wide learning process and as part of lifelong learning systems. She draws a number of conclusions for policy and practice of literacy as a foundation of lifelong learning. These conclusions are a timely contribution to the ongoing post-2015 education debate, in particular to the challenge of how to mainstream youth and adult literacy into the implementation of the sustainable development agenda for 2015–2030.
TL;DR: There is an urgent need to develop and psychometrically test a more encompassing health literacy instrument applicable in clinical settings as well as health promotion in general.
TL;DR: In this article, a storybook reading intervention targeting mathematics vocabulary, such as "equal," "more," and "less," and associated number concepts would increase at-risk children's vocabulary knowledge and number competencies.
Abstract: The present study involved examining whether a storybook reading intervention targeting mathematics vocabulary, such as "equal," "more," and "less," and associated number concepts would increase at-risk children's vocabulary knowledge and number competencies. Children with early numeracy difficulties (N = 124) were recruited from kindergarten classes in four schools. Participants were randomly assigned to one of three groups: a storybook number competencies (SNC) intervention, a number sense intervention, or a business-as-usual control. Interventions were carried out in groups of four children over 8 weeks (24 thirty-minute sessions). Findings demonstrated that the SNC intervention group outperformed the other groups on measures of mathematics vocabulary, both in terms of words that were closely aligned to the intervention and those that were not. There was no effect of the SNC intervention, however, on general mathematics measures, suggesting a need to provide the mathematics vocabulary work along with more intensive instruction in number concepts.
TL;DR: This article found that home numeracy environment predicted early numeracy skills, after controlling for child factors and home literacy environment, while exploring their home literacy environments from parent questionnaires with 60 kindergartners.
Abstract: The home numeracy environment (i.e., parents' numeracy expectations and activities), is related to early numeracy in young children. As recent studies have shown that both cognitive and linguistic factors play an important role in predicting numeracy development, it may be assumed that rather than the home numeracy environment, the home literacy environment predicts early numeracy. The present study examined this hypothesis by focusing on the specificity of the home numeracy environment. In a sample of 60 kindergartners, we assessed cognitive (nonverbal reasoning, working memory) and linguistic abilities (phonological awareness, grammatical skills), as well as early numeracy skills, while exploring their home literacy environment and home numeracy environment from parent questionnaires. We found that home numeracy environment predicted early numeracy skills, after controlling for child factors and home literacy environment. The home numeracy environment can be seen as a unique factor in the home environme...
TL;DR: It is shown that an integration of the two dependent variables is required, which is accomplished with a theory-based model of decision making, and it is demonstrated that a decision-making model may provide a way to reconcile inconsistent and sometimes contradictory results in numeracy research.
TL;DR: This article found that the relation between language and numeral knowledge is fully mediated by informal numeracy skills and the relationship between informal numerability skills and numerality knowledge skills is partially mediated by print knowledge.
Abstract: Although it is evident that advanced aspects of numeracy are dependent on the successful acquisition of early skills, this developmental process does not occur in isolation from other academic factors. Early literacy skills are intertwined with the acquisition of early numeracy skills, particularly at the informal numeracy and numeral knowledge phases. However, the localization of these domains’ impact in early numeracy development is unclear. To address this issue, 180 preschool children 3.13 to 5.88 years (51.1% female, 66.7% Caucasian, 14.4% African-American, 4.4% Hispanic, 14.4% other race/ethnicity) were assessed on measures of print knowledge, vocabulary, informal numeracy, and numeral knowledge. Results indicated that the relation between language and numeral knowledge is fully mediated by informal numeracy skills and the relation between informal numeracy skills and numeral knowledge skills is partially mediated by print knowledge. Explanations of the findings, implications for mathematics educati...
TL;DR: In this article, the authors examined the perceived 21st century-based soft skills of the student participants to serve as baseline data for future research and found that communication, and relationship and collaboration skills will be critical components to motivate students; when students are motivated, it will encourage them to think critically and initiate actions toward the achievement of their goals.
Abstract: Teaching and learning in the 21st century aim to produce students proficient in content knowledge, specific abilities, literacy, numeracy, and technology uses. From these 21 st century skills, soft skills were delineated from these learning outcomes; and defined as intra- and interpersonal skills vital for personal development, social participation, and workplace success. This study has two goals: to determine the perceived extent of integration of 21 st century-based soft skills in the cognitive-laden dentistry curriculum, and to examine the perceived 21 st century-based soft skills of the student participants to serve as baseline data for future research. Communication, and relationship and collaboration skills will be critical components to motivate students; in turn, when students are motivated, it will encourage them to think critically and initiate actions toward the achievement of their goals.
TL;DR: For example, Braun et al. as mentioned in this paper found that the cost of not going to college, or gaining skills in a post-secondary educational setting, is steeper than it has ever been.
Abstract: concerns, though the large-scale shifts can often appear that way. They affect how much individuals can earn and what economic prospects and educational opportunities are available to them (as well as their children) over their lifetimes. In more subtle yet still critical ways, these forces also influence how connected individuals feel to their communities and society. It is clear that the cost of not going to college, or gaining skills in a post-secondary educational setting, is steeper than it has ever been. Yet key questions remain: What is the skill level and economic prospects for both our college educated young adults, and those with a secondary, or other non-baccalaureate, post-secondary degree? How susceptible are members of society with the lowest levels of education, or groups who are receiving subpar post-secondary education, to lasting periods of unemployment or underemployment? What is the risk that they will not be able to earn a livable wage to support themselves and their families? And finally, if a large percentage of our 30 Henry Braun, “The Dynamics of Opportunity in America: A Working Framework” (Prepared for Educational Testing Service, Opportunity in America, forthcoming); Greenstone et al., Thirteen Economic Facts about Social Mobility; Wilkinson & Pickett, The Spirit Level. FIGURE 6. Percentage of population age 25–34 and population age 55–64 with tertiary education, by participating country/region: 2010 0 Population age 55–64 Population age 25–34 R ep ub lic o f K or ea Ja pa n
TL;DR: This paper found that at any given year level there is a five to six year difference between the most advanced and the least advanced ten per cent of students in Australian primary schools. But despite heroic efforts by many teachers, our most advanced students are not adequately stretched while our least advanced are not properly supported.
Abstract: A huge spread of achievement levels in Australian classrooms is making it hard for teachers to implement best education practice and target their teaching to the needs of every individual student. A range of studies show that at any given year level there is a five to six year difference between the most advanced and the least advanced ten per cent of students. A study of 3000 Victorian and Tasmanian students shows that in Year Eight mathematics there may be as much as eight year levels difference between the top and bottom students. Yet the spread of achievement makes it essential that schools and education systems target teaching to the individual needs of every child. Despite heroic efforts by many teachers, our most advanced students are not adequately stretched while our least advanced are not properly supported. These gaps are showing up in PISA tests – Australia lags behind the best international performers in teaching the most advanced and least advanced students. To address the problem, teachers and schools must adopt a strategy that focuses single-mindedly on what each student knows now, target their teaching to what each student is ready to learn next, and track every student’s progress over time. The best already do this. The best schools in Australia are not necessarily those with the best ATAR or NAPLAN scores but those that enable every student to make the greatest progress in learning, regardless of where they start from. Every teacher, principal and education expert knows this to be the case – the challenge is to implement targeted teaching properly. Streaming students or holding back low performers is not the answer. Instead, school systems must give teachers the time, tools and training to collect the best evidence about what students need to learn next and use it as the basis of their teaching. They must help schools to adopt proven programs that lead to better targeted teaching. One highly-regarded NSW program could be rolled out to the bottom 20 per cent of primary schools nationally at a cost of about $300 million a year. This would improve both literacy and numeracy in the vital early years. The educational and social rewards would more than repay the cost.
TL;DR: This work finds that older adults may show lower numeracy performance due to lack of motivation, and discusses strategies for improving people’s motivation to complete numeracy measures and other numerical tasks.
Abstract: Background. Numeracy refers to people’s ability to use numbers. Low numeracy has been associated with difficulties in understanding risk-benefit information and making health decisions. Older adult...
TL;DR: This article investigated the impact of external differentiation and vocational orientation of (lower and upper) secondary education on country variation in the mean numeracy skills of, and skills gaps between, adults with low and intermediate formal qualifications.
Abstract: We investigate the impact of external differentiation and vocational orientation of (lower and upper) secondary education on country variation in the mean numeracy skills of, and skills gaps between, adults with low and intermediate formal qualifications. We use data on 30- to 44-year-olds in 18 countries from the 2011–12 round of the Program for the International Assessment of Adult Competencies. We find that higher levels of external differentiation (tracking) amplify skills gaps between less- and intermediate-educated adults. This is mainly due to lower mean skills achievement of less-educated adults. By contrast, greater emphasis on vocational skills in upper-secondary education is positively related to numeracy skills for both less- and intermediate-educated adults. Gains are larger for the less educated, so the gap in numeracy skills tends to fall with the degree of vocational orientation. We discuss implications of our findings for research on educational and labor market inequalities.
TL;DR: In this paper, the authors investigated how early numeracy skills develop in kindergarten-age children and found that differences in mathematics skills among children are already visible in kindergarten before formal primary education in mathematics starts.
Abstract: In this study, we investigated how early numeracy skills develop in kindergarten-age children. The participants were 235 Finnish children (111 girls and 124 boys). At the time of the first measurement, the average age of the children was 6 years. The measurements were conducted three times during 1 year of kindergarten. We used a between-group repeated-measures analysis of variance and post hoc group comparisons for three measurement times on two related mathematical scales. The results showed that differences in mathematics skills among children are already visible in kindergarten before formal primary education in mathematics starts. The early numeracy skills measured, namely, relational skills in a numerical context and counting skills, were weaker over the kindergarten year in low-performing children, and, although their skills improved, they did not catch up to their average peers.
TL;DR: This research documents for the first time that self-reported numeracy is related to perceptions of health, whereas objective numeracy are related to actual health, laying the groundwork for future research on the effect of numeracy on health outcomes.
Abstract: Objective. There is compelling evidence showing that health literacy influences health outcomes. However, there is a dearth of research investigating this issue in the vast literature on numeracy—the ability to accurately interpret numerical information about risk, a skill that is only moderately correlated with health literacy. In a cross-sectional study, we investigated whether objective and subjective numeracy is related to objective and subjective health outcomes. Objective (subjective) numeracy is actual (self-reported) numerical competence. Objective outcomes include prevalence of comorbidity and prescribed medications. Subjective outcomes include perceptions of physical and mental health. Methods. A convenience sample of 502 male individuals receiving outpatient care at a Veterans Affairs Medical Center reported their demographics and answered a survey measuring objective and subjective numeracy, trust in physicians, satisfaction with role in medical decision making, perceptions of physical and men...
TL;DR: In this paper, the authors report on an aspect of a larger project that aims to provide insight into how teachers can assist their students to develop a critical orientation to life-related situations through a cross-curricular approach to numeracy.
Abstract: Numeracy is a fundamental component of the Australian Curriculum as a General Capability in each subject. Here, we report on an aspect of a larger project that aims to provide insight into how teachers can assist their students to develop a critical orientation to life-related situations through a cross-curricular approach to numeracy. Specifically, we draw on data collected via lesson observations and semi-structured teacher interviews exploring the use of mathematics in a critical fashion within the teaching of two subjects outside of mathematics—English and social education. Our investigation revealed that attention to the details of a rich model of numeracy can support the framing of such activities but that time, experience, and initial intent for the learning activity are factors which shape the effectiveness of teachers as designers of such tasks, especially in relation to a critical orientation to numeracy.
TL;DR: In this paper, a survey of views of inclusive education expressed by nearly 300 Malaysian primary school teachers involved in remedial literacy and numeracy education under the country's Literacy and Numeracy Strategy was conducted.
Abstract: This paper reports on a survey of views of inclusive education expressed by nearly 300 Malaysian primary school teachers involved in remedial literacy and numeracy education under the country's Literacy and Numeracy Strategy. Overall, the views expressed were positive towards the principle of inclusion. However, despite common professional development on special educational needs, these teachers lacked a common consensus about the benefits of inclusion; they expressed concern about the lack of teacher skills in this area; and they articulated a negative view of children with disabilities and their families. The paper concludes that further professional development is required to address these shortcomings, and that, given the lack of sufficient teacher educators in this area, it seems likely that the government's aim of implementing inclusive education remains a distant goal.
TL;DR: In this paper, the authors examined the association between SES, child health, family characteristics, school environment, cognitive development, literacy and numeracy achievement, and country characteristics and student achievement.
Abstract: Social economic status (SES), which is often measured as a combination of family income, parental education, and occupational status, has been identified as an important predictor of children's academic success in school Even before entering school, children's academic performance can to some extent be predicted based on characteristics of their family SES backgrounds Low-SES families are categorized as having low income which is often associated with the low educational standards of the parents, many of whom live on welfare or minimal wage Such families are less likely to access social connections and educational resources at home and this may in turn place their children at risk for different academic problems Initial academic skills seem to correlate with the home environment, where an environment of low literacy and numeracy possibly combined with health problems may negatively affect the development of children's academic skills The fact that low SES families live together in communities further exacerbates the problem as schools in these communities tend to be under-resourced with high drop-out rates and generally less adequate educational standards Thus not only do low SES children start school with academic disadvantages, the gap between them and middle SES children widens with time This article reviews recent research examining the association between SES, child health, family characteristics, school environment, cognitive development, literacy and numeracy achievement, and country characteristics and student achievement It may shed further light on cognitive development and academic achievement of children with low SES backgrounds and provide grounds for further work on research and practice