Lifetime Training Solutions Develops Online Financial Literacy Program

New program to benefit at-risk youth lacking knowledge in key money management concepts.

LTS Financial LiteracyPENSACOLA, Fla., July 7, 2015 — Smart Horizons Lifetime Training Solutions is excited to announce the release of our recently developed financial literacy program. All too often people learn financial literacy the hard way by making mistakes and racking up credit card debt. Many at-risk youth lack the access to repetition and parental support that play essential roles in helping young people develop key money management concepts. Smart Horizons Lifetime Training Solutions has developed a unique solution to this dilemma by creating an online financial literacy program that gives students the opportunity to access quality instruction 24/7/365 with the ability to review the information as many times as they want.

Financial literacy is a subject everyone agrees is necessary for youth today. Most young people start their knowledge of handling money by earning an allowance and understanding principles such as saving and the difference between needs and wants. However, many youth who lack parental support have never had someone to teach them how to balance their checkbooks or save for retirement. If such at-risk youth come from a background of poverty, they probably have never received an allowance and were never taught basic financial concepts. If a young person’s only exposure to financial literacy was a required course in high school they are not likely going to remember much of the information that was provided.

Studies published in the Journal of Management Science show that within 20 months almost everyone who took a financial literacy class forgot what they learned. This parallels what we know from brain science– that 90% of what one learns in a lecture-based classroom will be forgotten within a few weeks. One solution to this educational dilemma is to provide periodic review on topics of importance and deliver information in a format that appeals to the audience for better retention. Additionally, integrating this information into a student’s everyday life so as to reinforce their new knowledge is equally important. These key points are included in the benefits of online learning programs.

Teen at ATM

Financial literacy is a topic that particularly requires a lot of repetition. Young people who are taught basic concepts in school should receive reinforcement from their parents on key concepts of money management and periodically revisit this information in small knowledge chunks that can be easily digested for review. The new Lifetime Training Solutions’ Financial Literacy program provides a minimum of one year’s access to a compilation of financial literacy topics. Additionally, the online lessons are tied to national teaching standards and can be easily integrated into a traditional classroom curriculum so as to provide reinforcement to key principles being taught. Smart Horizons Lifetime Training Solutions Director, Stephen Samaha states, “There has been a lot of research done on improved student learning achievement when online training is blended with traditional classroom instruction. Students have the ability to obtain knowledge through a variety of learning modalities and therefore improve retention. Local non-profits and social service agencies that run life skills courses for at-risk youth and mentoring programs would benefit most from an online financial literacy program. They can use classroom instruction more for problem resolution and skills development instead of the traditional lecture format.”

Today’s computer savvy youth constantly wired to the internet through smart phones and tablets will appreciate their ability to take the training conveniently and on demand. Students will retain more knowledge and with continued reinforcement, change behaviors that may impede their financial growth.

The Smart Horizons Financial Literacy Program is one component in a whole family of products focused on at-risk youth and adults in transition. To learn more contact Smart Horizons at or visit the website at



Posted in At-Risk Youth, Independent Living Skills, Transitional Life Skills by jdobbs at July 6th, 2015.

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