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  3. (1)Of all the lessons taught by the financial crisis, the most personal one

(1)Of all the lessons taught by the financial crisis, the most personal one

游客2023-11-30  31
问题     (1)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.
    (2)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 curricu-lums. 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.
    (3)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.
    (4)"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.
    (5)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.
    (6)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."
    (7)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.
    (8)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.
    (9)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 U-niversity 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. [br] According to the passage, the new kindergarten-entrance financial education is designed to
选项 A、educate kids to manage money from the very beginning.
B、teach kids to recognize money from kindergarten.
C、prepare kids’ education fees from the very beginning.
D、help kids to decide what to purchase and sell.
答案 A
解析 细节判断题。考查幼儿园理财教育的目的，定位到第5段。根据该段第3句可知，幼儿园理财教育的目的是让孩子从小学会理财。因此A项符合题意。B选项“在幼儿园就教会孩子认钱”、D项“帮助孩子决定买卖什么”都不是理财教育的最终目的；C选项提及的学费虽在原文有提及(profits help pay for college)，但这同样不是理财教育的确切目的，故排除。
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