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 has been that Americans aren’t so good at money-management.
Of all the lessons taught by the financial crisis, the most personal has been that Americans aren’t so good at money-management.
admin
2016-08-25
27
问题
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 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 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."
According to the author, the National Financial Capability Challenge ______.
选项
A、is expected to be rewarding
B、is expected to be ineffective
C、has proved to be well-received
D、has proved to be untrustworthy
答案
B
解析
该句破折号后的内容表明作者认为全国理财能力挑战大赛对学生不会产生长远的影响,该段其他句子进一步说明这种挑战大赛和其他传统的推广金融专业知识的做法一样,对学生的理财能力不会产生明显效果,因此,选B。
转载请注明原文地址:https://kaotiyun.com/show/nhY7777K
0
大学英语四级
相关试题推荐
AFewAspectsofAmericanLifeTravelA)It’ssummertime.FormanyAmericans,thisistheseasontotravel.Why?Becauseschool
Nooneshouldbeforcedtowearauniformunderanycircumstance.Uniformsaredemandingtothehumanspiritandtotallyunneces
InasurveyconductedbyresearchfirmHarrisInteractive,71%ofAmericanssaidthatspendingextramoneyontravelduringthe
Therearepeoplewhoareespeciallyattractedtothenotionof"climbingtheladder"soastoincreasetheirstatus,financialp
IsthereenoughoilbeneaththeArcticNationalWildlifeRefuge(ANWR)tohelpsecureAmerica’senergyfuture?PresidentBushcer
IsthereenoughoilbeneaththeArcticNationalWildlifeRefuge(ANWR)tohelpsecureAmerica’senergyfuture?PresidentBushcer
WhatDoWeKnowAboutMilkyWayGalaxy?A)Ourgalaxyisagiganticagglomerationofstarsandplanetswhosenumberswillprobabl
WhatDoWeKnowAboutMilkyWayGalaxy?A)Ourgalaxyisagiganticagglomerationofstarsandplanetswhosenumberswillprobabl
A、Hedoesn’tknowwhathelikes.B、Hehasn’tmadethefinaldecisionyet.C、Heneedsadvicefromtheadmissionscounselor.D、He
随机试题
以下关于国际收支的说法中,不正确的是()
A.某些疾病的辅助诊断B.某些疾病疗效观察C.某些疾病预后的观察D.观察机体免疫状态及细胞免疫功能E.防止对移植物的排斥反应HLA检测临床上常用于
钻芯法检测混凝土强度,每个试件内最多只允许含有两根直径小于()mm的钢筋。
案例L市F新钢公司,企业法人孟某,企业注册资金5000万元,现有固定资产60亿元,在册员工3500人,其中专职安全管理人员50人。炼铁生产能力为300×104t,炼钢生产能力为350×104t。2012年企业生产热带钢20×104t,特种钢棒材38×10
关于无公害农产品及其认证、标志,下列说法正确的是()。
劳动法的基本原则直接决定了()的性质。[2015年5月三级真题]
近年来,随着大型野生动物园的兴起,有人提出,传统城市动物园已经没有存在的必要性。但传统城市动物园具有票价低,交通便利等优点,中小学组织参观十分方便,因而具有极强的教育功能,所以传统城市动员不可或缺。 以下不属于上述论证缺陷的是()
Ca2+介导的信号传导效应有
(2013下集管)乙公司参加一个网络项目的投标,为增加中标的可能性,乙公司决定将招标文档中的一些次要项目(约占总金额的3%)作为可选项目,没有计算到投标总价中,而是另作一张可选价格表,由招标方选择是否需要。评标时,评委未计算可选价格部分,这样乙公司因报价低
对于系统中的独占设备,为预防出现死锁。应采用的最佳分配策略是()。
最新回复
(
0
)