首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Of all the lessons taught by the financial crisis, the most personal one has been that Americans aren’t too slick with money. We
Of all the lessons taught by the financial crisis, the most personal one has been that Americans aren’t too slick with money. We
admin
2013-10-08
30
问题
Of all the lessons taught by the financial crisis, the most personal one has been that Americans aren’t too slick with money. 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, proponents of financial-literacy education are stumping with renewed zeal. 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 informed students are about things such as budgeting, credit cards, insurance and investments. A survey of college students conducted for the JumpStart 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 in 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.
One promising example of new thinking is found on Chicago’s South Side. At the Ariel Community Academy, financial education starts in kindergarten with books like A Chair for My Mother(the moral: if you want to buy something, save money first)and quickly becomes hands-on. Each entering class at Ariel is entrusted with a $20,000 investment portfolio, and by seventh grade, kids are deciding what to buy and sell(profits help pay for college). Last year, for the first time, the eighth-grade class graduated with less than the original $20,000. Talk about a teachable moment: stocks don’t always go up.
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 name-brand sneakers 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."
That approach might have helped in the recent housing bubble. Buyers didn’t just need to know how different sorts of mortgages worked; they also needed the fortitude to choose a 30-year fixed rate when everyone around them was buying a bigger house with a riskier loan.
Amid such a complicated landscape, some experts question whether there could ever be enough education to adequately prepare Americans for financial life. A better solution, these critics contend, is to reform the system. "What works is creating institutions that make it easy to do the right thing," says David Laibson, a Harvard economics professor who, like Mandell, has decided after years of research that education isn’t a silver bullet. One idea being discussed in Washington is the automatic IRA. Employers would have to enroll each worker in a personal retirement-savings account unless that worker decided to opt out.
Yet even the skeptics are slow to write off financial education completely. More than anything, they say, we need to rigorously study the financial decisions of alumni of programs like Ariel and Aflatoun and compare them with those of peers who didn’t get the same sort of education. "Until you have experimental evidence, it’s all a little speculative," says Michael Sherraden, a professor at Washington University in St. Louis who is conducting a seven-year, randomized, controlled study on whether giving children bank accounts inculcates the habit of saving — a program already being tried on a large scale in the U.K. Yes, good, solid research like this takes a lot of time and resources. But if what we’re doing right now isn’t working, it’s in our own best interest to figure out what does.
What are Americans supposed to do personally after the financial crisis?
选项
A、Make plans when assets are placed in investments options.
B、Prepare themselves with some money-management skills.
C、Try not to take economic security for granted.
D、Pay much more attention to their retirements.
答案
B
解析
细节推断题。考查金融危机过后美国民众应采取的行动,定位到第1、2段。第1段指出美国人不会理财:过度借贷、严重透支、没有为养老做充分准备。第2段指出,理财教育推动者及财政部门纷纷推出与理财相关的教育计划。第1、2段互为因果关系,即,既然美国民众不善于理财,理应学习与理财相关的技能,B选项正确。A、C选项看似合理,但无原文依据,排除;D选项过于片面,也排除。
转载请注明原文地址:https://jikaoti.com/ti/Sq7YFFFM
0
专业英语八级
相关试题推荐
Achild’srelationshipwithhismother
WhichofthefollowingstatementsisCORRECTaccordingtothenewsitem?
Accordingtotheinterviewer,whatattitudedomostyoungpeopleholdtowardskeepinghealthy?
TheLollardswere______whohadplayedaveryimportantroleinthePeasantUprisingof138
WhathelpsmaketheMidwestAmerica’smostimportantagriculturalarea?
Populationageingandtheresultingpressuresonexistingpensionsystemsconstitutesoneofthemostimportantchallengesmode
RecyclingTheconceptofgreenconsumerismhasgainedmomentumoverthelastdecade,andthepublichasbeeninfluencedand
Fromthedrugtrade,Mexicangangsgained______fromtheUSeachyear.
随机试题
在发行新股招股说明书中,招股说明书应披露本次发行方案的基本情况,主要包括()
福建森林覆盖率居全国第()位。
火龙果公司是一家英国知名的科技企业,2018年该公司在中国诉某番茄商贸公司侵犯其拥有的“火龙果”驰名商标权益,并请中国法院认定其“火龙果”商标为驰名商标。对此,下列选项正确的有()
县级以上地方各级人大常委会的职权。
某公司2013年6月份发生部分经济业务如下: (1)取得投资人的投资500000元,款项已经到账,存入银行。 (2)开出转账支票,支付当月厂部办公楼房租3000元。 (3)拟从K公司购买A产品500件,单价为600元,按合同规定向K公司开出转账支票预
腺垂体功能减退症最常见的病因是
《公路水运工程试验检测信用评价办法》对试验检测人员信用评价划分为五个等级。()
流言常常令人不悦,却很可能有助于丑事的暴露,阻止恶行的继续。对很多公众人物来说,单单是人们的议论就可以阻止不良行为。总有人___________八卦和流言毁了自己心目中的明星,但事实上,少有哪个做得正、行得端的明星最终被流言蜚语摧毁;被破坏的仅仅是对偶像的
A、 B、 C、 D、 B
From:VincentandChambersTo:ChloeSucreSubject:ConfirmationoforderDate:October14DearMs.Sucre,Thankyouforpla
最新回复
(
0
)