托福寫作思路從積累托福語料做起
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?、貴inancial literacy is the ability to use knowledge and skills to make effective and informed money management decisions. Gaining the knowledge and developing the skills to become financially literate is a lifelong process that begins with something as simple as putting a few pennies in a piggy bank, and evolves to more advanced subjects such as risk and asset allocation.
?、贐ecause financial literacy is not emphasized in the education system - less than half the states have any financial literacy requirements for grades K-12, and only four states require high school students to take personal finance classes - most kids lack the necessary knowledge and skills tobecome financially responsible adults. The President's Advisory Council on Financial Literacy wrote in its 2008 Annual Report to the President: "By almost any measure, today's school children are ill-equipped to understand personal finance and make their way in the modern financial world. Their rising debt and debt problems, along with their poor inclination to save, substantiate what the test scores show. Meanwhile, most students still graduate from high school without any formal classroom education in personal finance."
③There is now - especially following the global financial crisis that began in 2008 - a growing interest in requiring more personal finance classes in the K-12 setting. Ben Bernanke, Chairman of the Federal Reserve System has stated that, "One of the key lessons of the recent financial crisis is the importance of personal financial literacy. Besides improving their personal financial decision making, teaching students economic principles will help them as citizens understand and make choices about many of the critical issues confronting our nation."
?、蹹espite this recognition, most things money are still taught at home, where the role of financial educator falls primarily on parents, guardians and other adults in the home. For many adults, however, talking about money is akin to talking about other provocative subjects. Unsure of where to begin and worried about saying the wrong thing, many adults simply avoid conversations about money. This is often made worse by adults' lack of confidence in their own handling of finances. It is important for adults to remember that, even if they are not financial rock stars themselves, they have experience and perspective on their sides, and can draw both from their financial mistakes and successes to share essential knowledge and skills to their children. It starts with a conversation.
?、軮n our first guide, Teaching Financial Literacy To Kids, we introduced concepts that are appropriate for the youngest learners, such as the difference between needs and wants.(細節(jié)!!) / In part two of the series, Teaching Financial Literacy To Tweens, we covered intermediate topics, including income and expenses, saving for long-term goals and entrepreneurship. / In this tutorial, designed especially for teaching teens, we introduce the more advanced topics suitable for teenagers, including budgeting, credit and debt, money management and investing.(細節(jié)!!)(473words)
讀完了是不是有一種“好高大上啊” 我寫不出來啊，沒關系哈來下面BOMB老師幫你“庖丁解牛” 請動筆“記” 光看沒用，快拿筆!
1.Financial literacy ：翻譯成中文的話就類似“理財的能力”
e.g.：Financial literacy is the ability to use knowledge and skills to make effective money management decisions, so children are obliged to get informed about.
理財是一種使用知識和技能的能力去做出高效的金錢管理決定，所以孩子務必要去了解。
literate：有文化的，會讀寫的
illiterate：文盲的
2.informed decisions： 明智的決定 類似表達比如 smart move/sound decision
e.g.：School authorities might make an informed decision to put in a vast majority of money to hire famous teachers after researching hundreds of students’s needs.
校方在調查了百名學生的需求后做出個明智的決定，就是去投入大量的資金雇傭名師。
3.lifelong process：一輩子的事兒
e.g.： Marriage is a lifelong process that we have to think twice to make an informed decision.
婚姻是個一輩子的事兒，我們要認真考慮以便做出個明智的決定。
4.putting a few pennies in a piggy bank：把零錢裝進存錢罐
“piggy bank”表示零錢罐，penny 一便士
5.asset allocation ：資產分配
e.g.：Confronting financial crisis, government has to implement a proper asset allocation policy to avoid repeat financial depression.
面臨資產危機的時候，政府必須要實施合適的資產分配政策來防止周而復始的經濟蕭條。
6.be emphasized in: 被重視
e.g.：The mindset of "problem-solving" and “thinking-critically “ should be emphasized in the construction of teenagers teaching curricular.
“解決問題”和“批判性思考”的思維應該在青少年教學課程建設中被強強調。
7.require sb to do：要求某人做某事(一般與學生搭配在一起使用更佳)
e.g.：School should require students to attend to some extracurricular activities to strengthen their social abilities.
學校應該要求學生參加一些課外活動去加強他們的社交能力。
8.financially responsible adults：經濟上有責任感的成年人
e.g.：In order to become financially responsible adults, children are supposed to engage in different finance-related activities to acquire more practical skills on issues of money autonomy.
為了成為經濟上獨立的成年人，孩子應該參與不同的與經濟有關的活動去獲得更多的實用的技能在金錢自理的問題上。
9.be ill-equipped to：表示”做某事沒有準備好“ ”缺乏某種能力“
e.g.：Parents are ill-equipped to understand their children and put in less faith in them such as restricting their money spent on entertainment; limiting their time spent on watching TV, and even prohibiting their freedom to choose majors.
父母未能很好的理解孩子并且對孩子有很少的信任，比如限制他們花在娛樂上的錢,限制他們花在看電視上的時間,甚至禁止他們選擇專業(yè)的自由。
10.have poor inclination to ：表示有做不好的事情的不良傾向
e.g.：Children, especially for those rebellious adolescents, tend to have poor inclination to crime, so they should be guided in a right way by their parents.
孩子,特別是那些叛逆的青少年,往往有犯罪的傾向,所以他們應該被他們的父母用正確的方法引導。
11.show a growing interest in：表示在某方面展現興趣
e.g.：Talent kids tend to show a growing interest in tackling difficult problems.
有天賦的孩子往往在解決難題上有很多的興趣。
12.fall primarily on：主要屬于某人/主要落在誰身上
e.g.：To address environmental problems, the duties will fall primarily on three aspects : governments ;individuals and small businesses.
為了解決環(huán)境問題,責任將主要在三個方面:政府、個人和小企業(yè)。
13.is akin to: 與某事某物相似
e.g.： Friendship is akin to love.
愛人者，人恒愛之。
14.provocative subjects：刺激的話題/爭議的話題
e.g.：How to achieve a sense of happiness has long been the provocative subjects which are often discussed among scholars.
如何擁有幸福感一直是一個有爭議的并被學者討論的話題。
15.on one’s sides：就某人而言/支持某人/站在某人那邊
e.g.：On my side, finance-related issues should be emphasized in the education of kids.
在我看來，與金錢有關的問題應該在小孩的教育中被重視。
16.share essential knowledge and skills to ：分享重要的知識技能給某人
e.g.：Teachers should share essential knowledge and skills to teenagers who are eager to learn and improve their abilities.
備注：轉自新東方網校
