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来源:辅翔同等学力 发布时间:2019-01-30 10:34:19


  Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management. We take out home loans we can’t afford. We run up sky-high credit-card debt. We don’t save nearly enough for retirement.

  In response, supporters of financial-literacy education are moving with renewed enthusiasm. School districts in states such as New Jersey and Illinois are adding money-management courses to their curriculums. The Treasury and Education departments are sending lesson plans to high schools and encouraging students to compete in the National Financial Capability Challenge that begins in March.

  Students with top scores on that exam will receive certificates - but chances for long-term benefits are slim. As it turns out, there is little evidence that traditional efforts to boost financial know-how help students make better decisions outside the classroom. Even as the financial-literacy movement has gained steam over the past decade, scores have been falling on tests that measure how well students learn about things such as budgeting, credit cards, insurance and investments. A recent survey of college students conducted for the Jump Start Coalition for Personal Financial Literacy found that students who’d had a personal-finance or money-management course in high school scored no better than those who hadn’t.

  “We need to figure out how to do this the right way,” says Lewis Mandell, a professor at the University of Washington who after 15 years of studying financial-literacy programs has come to the conclusion that current methods don’t work. A growing number of researchers and educators agree that a more radical approach is needed. They advocate starting financial education a lot earlier than high school, putting real money and spending decisions into kids' hands and talking openly about the emotions and social influences tied to how we spend.

  Other initiatives are tackling such real-world issues as the commercial and social pressures that affect purchasing decisions. Why exactly do you want those expensive brand-name shoes so badly? “It takes confidence to take a stand and to think differently,” says Jeroo Billimoria, founder of Aflatoun, a nonprofit whose curriculum, used in more than 30 countries, aims to help kids get a leg up in their financial lives. “This goes beyond money and savings.

  1. The financial-literacy education is intended to.

  A. renew Americans’ enthusiasm about money-management

  B. increase Americans’ awareness of the financial crisis

  C. help Americans to overcome the financial crisis

  D. enable Americans to manage money wisely

  2. According to the author, the National Financial Capability Challenge will be.

  A. ineffective B. rewarding C. costly D. well-received

  3. By saying that “the financial-literacy movement has gained steam”(Para. 3), the author means that the movement.

  A. has received much criticism

  B. has been regarded as imaginative

  C. has been more and more popular

  D. has gone through financial difficulties

  4. Lewis Mandell suggests that we should figure out how to.

  A. manage money in a more efficient way

  B. carry out financial-literacy education properly

  C. improve the social awareness of financial education

  D. help students score better in money-management courses

  5. Jeroo Billimoria is most likely to agree that commercial and social pressures make one’s purchasing decisions.

  A. acceptable B. difficult C. feasible D. unwise

  (出自 2014同力英语考试真题阅读(三))



  1. D

  【解析】文章第一段引出问题“Americans aren’t so good at money-management”(美国人不擅长理财),第二段紧接着就应对方法“In response, …”,可想而知,学校和教育部门所开展的那些应对措施(金融扫盲教育)都旨在使美国民众能够明智地管理资金。故正确答案为D。

  2. A

  【解析】文章第三段整段讲述的都是关于金融扫盲教育的成效性,从该段最后一句话中的“…students who’d had a personal-finance or money-management course in high school scored no better than those who hadn’t.”可知,上个人理财和资金管理课的学生并不比那些没有接受该类教育的学生考试成绩要好,由此可推断,国家财政能力挑战赛并不见得有什么成效。故答案选A. ineffective(无效的,失效的;不起作用的)。

  3. C

  【解析】本题主要考查对“gain steam”的理解。定位到第三段第三句,该句表示:尽管金融扫盲运动在过去的十年间越演越烈,但为衡量学生是否有学好诸如预算、信用卡、保险和投资等课程所设置的此项考试,学生们的考试成绩一直是下降的。所以作者的观点是承认金融扫盲运动已变得越来越火热这个事实的。

  4. B

  【解析】倒数第二段首句“We need to figure out how to do this the right way,” says Lewis Mandell…come to the conclusion that current methods don’t work.”既道出了答案。Lewis Mandell 讲到要“找出怎样正确处理这件事(即指金融扫盲教育)的方法”以及“当前的方法不起效”,说的是要正确实施金融扫盲的教育,而非是要提高全社会的金融扫盲意识,或是以更有效的方式管理钱财,亦或是帮助学生在理财课程上取得更好的分数。故答案应为B。

  5. B

  【解析】文章末段讲到商业和社会压力会影响人们的购买决策。““It takes confidence to take a stand and to think differently,” says Jeroo Billimoria…”讲到Jeroo Billimoria认为表明立场需要勇气,而且要有不同的想法。可见他的观点是:商业和社会压力会让人们的购买决策变得困难,以致人们在花钱时都需要做艰难抉择。



  financial crisis 金融危机;财政危机

  be good at 擅长做…….,善于

  money-management 理财,资金管理

  take out 取得 (贷款、许可、保险等)

  home loans 住房贷款

  afford 买得起;负担得起

  run up debt 积累债务;负债累累

  sky-high 极高的;高昂的

  credit-card 信用卡

  retirement 退休,退役(retire v. 退休;撤退;离开)

  in response 作为回应/回答

  supporter 支持者;拥护者

  financial-literacy education 金融扫盲教育

  renewed 更新的;复兴的;重建的

  enthusiasm 热情;热心(enthusiasm about …….热;对…….的热爱)

  school district 学区

  curriculum 课程

  department 部;部门;系;科;局

  compete in 参加…….比赛(竞赛)

  certificate 证书;文凭

  long-term benefit 长期受益;长远利益

  slim 微小的;差的;苗条的;修长的

  as it turns out 事实证明;结果;后来人们发现

  evidence 证据,证明

  boost 促进;提高;增强

  know-how 专门技能;知识;技巧;本事

  gain steam 越演越烈(常指群众运动)(steam [口语]气力,力量,精力;势力)

  over the past decade 在过去的十年里

  measure 测量;估量;权衡

  budgeting 预算

  insurance and investment 保险和投资

  the Jump Start Coalition for Personal Financial Literacy 个人理财知识入门联盟(coalition 联合;结合;合并)

  figure out 解决;算出;想出

  come to the conclusion that 得到的结论是…….,得出这样一个结论

  current 当前的;现在的;最近的

  a growing number of 越来越多的

  radical 激进的;重大的;彻底的

  approach 方法;途径

  tied to 相关联

  initiatives 积极性;主动权

  tackle 处理

  real-world 现实生活的

  issue 问题;议题

  commercial 商业的;盈利的

  purchasing decision 购买决策

  brand-name 名牌的

  badly 非常,很;严重地,厉害地

  take a stand 表态;表明立场

  nonprofit n. 非赢利团体(或机构);adj. 非赢利的,不以赢利为目的的

  aim to 目的是;目标在于…….;计划,打算

  get a leg up 占据优势(a leg up具有优势)

  go beyond 超出;胜过

  be intended to 打算…….;意图是…….

  increase/improve awareness 提高认识

  overcome 克服;战胜

  enable (sb.) to 使(某人)能够;允许(某人)

  wisely 明智地;聪明地(wise 明智的;聪明的ð反义词:unwise 不明智的;愚蠢的)

  ineffective 无效的;不起作用的

  rewarding 有益的;值得的;有收获的

  costly 昂贵的;代价高的

  well-received 受到欢迎的;受到款待的

  imaginative 富于想象的;有创造力的

  go through 经历;经受;通过

  carry out 执行,实行;贯彻,实施;实现,完成

  score better in 成绩更为优秀

  be most likely to 最有可能…….

  acceptable 可接受的;合意的

  feasible 可行的;行得通的


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