As Geisel (2004) notes: Income-tax deductions are worth the most to high-bracket taxpayers, who need little incentive to save, whereas the lowest-paid third of workers, whose tax burden consists primarily of the Social Security payroll tax (and who have no income-tax liability), receive no subsidy at all. Federal tax subsidies for retirement saving exceed $120 billion a year, but two thirds of that money benefits the most affluent 20% of

Pedagogic Model for Teaching of Technology to Special Education Students Almost thirty years ago, the American federal government passed an act mandating the availability of a free and appropriate public education for all handicapped children. In 1990, this act was updated and reformed as the Individuals with Disabilities Education Act, which itself was reformed in 1997. At each step, the goal was to make education more equitable and more accessible to

(Rosow, 1994, p. 797) From this review there is a clear sense that success with regard to community college students is determined by their ability to successfully complete the first term of study, as well as by their ability to receive financial aide that adequately covers costs. Additionally, offering culturally diverse social interactions through both official and unofficial means also assists the minority student in achieving success through peer relations

Money Game by Charles Green (2011) Presidential candidate Herman Cain recently observed, "If you aren't rich, blame yourself!," a sentiment that is echoed time and again in Professor Green's authoritative text on personal money management, The Money Game. While it is reasonable to suggest that many if not most people will never become rich, it is also reasonable to suggest that given half a chance, consumers can overcome these obstacles

I. Subject/Topic: Curriculum area. What will be taught in this lesson? The lesson to be taught will be finance and investment. This is an ecological topic as individuals within society will be forced to use finance and investment at some point within their life cycle. Credit Cards, Student Loans, Mortgages, Saving Accounts, Checking Accounts, Retirement Accounts, Annuities, and 401k, all have a basis in finance. Those will special needs are often

As it was, the program on day one lacked the element of team building, it resembled a normal activity with very little challenge. It was obvious that the canoe activity was meant to be relatively easy in order to build confidence for the tasks that would come later in the program, but it still could have been made a little more in line with the program goals by the inclusion