Publications

_{By Chelsea DeCicco, Executive Vice President of Universal Initiatives}

Universal Initiatives is committed to providing excellent services that increase the financial literacy of residents in our community from all walks of life. We believe that understanding good money management and how to make inf...

“The number one problem in today’s generation and economy is the lack of financial literacy.”

The current pandemic is a generational event that has caused many to reflect on their financial situation and look closely at their financial habits.  According to a recent poll conducted by the National E...

Students’ behavior is a form of communication and when it’s negative it almost always stems from an underlying cause. There are many reasons kids might be acting out, which makes it difficult for a teacher in a crowded classroom to figure out the root cause. But even if there was time and space to d...

The teen years can be a tumultuous time for both kids and parents. There are normal teenage behaviors and problems that all kids struggle with during this season, but some kids display deeper problems. Here’s a list of 15 common signs of a troubled teen.

WHAT IS THE TYPICAL TEENAGE BEHAVIOR?

Obvio...

Every year, over 1.2 million students drop out of high school in the United States alone. That’s a student every 26 seconds – or 7,000 a day

About 25% of high school freshmen fail to graduate from high school on time.

The U.S., which had some of the highest graduation rates of any developed countr...