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
36
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://kaotiyun.com/show/H1ZO777K
0
专业英语八级
相关试题推荐
Themaintopicofthenewsitemis
Achild’srelationshipwithhismother
AccordingtoRichard,whatwastheconceptofhealthbeforethe1940s?
WhichofthefollowingstatementsisINCORRECTaccordingtothenewsitem?
ThesecondlargestandmostimportantriverinBritainis______.
Law-and-orderisthelongest-runningandprobablythebest-lovepolitical(1)_____issueinU.S.history.Yetitispainfullya
Law-and-orderisthelongest-runningandprobablythebest-lovepolitical(1)_____issueinU.S.history.Yetitispainfullya
Law-and-orderisthelongest-runningandprobablythebest-lovepolitical(1)_____issueinU.S.history.Yetitispainfullya
DemographicindicatorsshowthatAmericansinthepostwarperiodweremoreeagerthanevertoestablishfamilies.Theyquickly
随机试题
关于水稻,下列说法正确的是()。
以载体为中介的易化扩散的特点是
女性,68岁,农民,因进行性吞咽困难2年就诊,恶病质,皮肤干燥,精神差,贫血面容,进食则吐,仅能饮少量水已2个月。确诊为“食管中段癌”,拟手术治疗。该患者可能存在哪种类型的营养不良()。
A、干扰核酸生物合成B、直接破坏DNA结构和功能C、干扰转录过程,阻止RNA合成D、影响蛋白质合成和功能E、影响体内激素平衡以下抗肿瘤药的作用机制分别为多柔比星
抢救休克型中毒型痢疾,下列哪项措施不妥()
下列采用本量利分析法计算销售利润的公式中,正确的有()。
在Web网页中指向其他网页的“指针”称之为______。
编制教育心理学调查问卷应注意()。
教师通过捕捉教育情境的细微变化,积极主动采取应变措施,化不利因素为有利条件,保证教育活动顺利开展。这句话体现了教师劳动的()。
一桶农药,假如一定量的水稀释后,浓度为15%;再加入同样多的水稀释,农药的浓度变为12%,若第三次再加入同样多的水,农药的浓度将变为多少?
最新回复
(
0
)