本期分享嘉宾:应李琼 Gini
“你不理财,财不理你”——这句俏皮可爱却又极富深意的句子早已深入人心。 最近,学生的“财商”(financial literacy)也被不断提及,重要性不亚于“智商”、“情商”。很多人甚至提议要求高中生修完一整个学期的个人理财课(take a full semester course in personal finance)掌握基本理财概念,例如储蓄(saving), 信贷(credit),利率(interest rates),投资和风险评估(investing and risk assessment)等。 为啥大家会如此关注财务呢? 因为大背景——疫情导致。疫情加剧了人们对于财务的担忧。一方面,通货膨胀使得家庭预算吃紧;另一方面,学生沉重的债务水平(burdensome student debt levels)和不稳定的退休保障(shaky retirement security)也增加了人们的担忧。 这些担忧让人们意识到个人理财技能的培养已经成为当务之急。 了解完大局势以后,Gi老师也给带来一道相关的雅思写作题目来考考大家。 题目 In many countries students who leave high school have no understanding of how to manage their money. Why is this case? What can be done to improve students understanding of how to manage personal finance? 看完题目以后,大家可以自行思考,然后再来看参考想法和写法。 原因 1、教育体系的漠视 - 无对应科目 2、缺乏理财机会 3、缺乏父母的榜样作用 - 父母不专业,不知如何培养孩子的财商 解决 学校教育+家庭教育培养学生财务管理知识和消费观念 参 考 范 文 A common problem among today's high school graduates is that students leave school without any knowledge or skills in personal finance. This essay is about to outline several possible reasons for this trend and propose some solutions to help tackle the issue. One of the main causes of this problem is the ignorance of schooling on this issue. High school students are studying up on academic subjects, including calculus, advanced chemistry, and world history, but most aren't learning fundamental money lessons to help them financially navigate the real world. Furthermore, the majority of high school students live with their parents and are completely financially dependent upon them. Most students do not need to work to earn money while at high school, as their parents pay for all their needs, and therefore they do not gain any understanding about the realities of earning and saving money. Usually, the only money that students receive is from their parents and this is typically in the form of pocket-money, which is given with the intent of it being spent. Therefore, young people only really learn how to spend money, and not how to earn, save or manage it wisely. To help the existing debt slaves and prevent more to come, several parties need to work together and help build up basic financial management abilities. Firstly, basic money management skills could be included as a compulsory subject for students in their high school years, which would help equip them with the knowledge and skills to manage their own personal finances when they leave school, move out of home and enter employment. The second possible step that could be taken to help curb this problem is through education at home. Parents need to take responsibility to make sure that their children are adequately educated in such matters to ensure that their children maintain a successful and independent financial situation after graduating and leaving home. In conclusion, although money management is a problem for a lot of school leavers, there are a number of viable solutions to counteract this problem. 报告类篇章框架 P1 …This essay is about to outline several possible reasons for this trend and propose some solutions to help tackle the issue. P2 One of the main causes of this problem is….. Furthermore,….. P3 To help the existing debt slaves and prevent more to come, several parties need to work together and help…Firstly,…. Secondly,…. P4 In conclusion, although money management is a problem for a lot of school leavers, there are a number of viable solutions to counteract this problem. 常用词句 ● Personal money management skills:个人理财管理技能。 ● Financially dependent upon parents:经济上依赖父母 ● Pocket-money:零花钱 ● Equip them with the knowledge and skills to manage their own personal finances:让他们具备管理自己个人财务的知识和技能 ● Enter employment:进入就业领域 今天的分享就到这儿啦,通过今天这篇文章,希望大伙儿能够了解一些实事的同时也能够破解掌握相关的雅思作文~
课程名称 | 学习目标 | 班级特色 | |
---|---|---|---|
雅思考前点题班(周末) | 雅思6.5分 | 教辅全程跟进服务升级 | 报名 |
雅思基础VIP1V1课程 | 个人定制 | 针对个人量身定制课程 | 报名 |
雅思5.5分钻石小班 | 雅思5.5分 | 夯实基础综合提高 | 报名 |
托福考前点题班 | 冲刺90分以上 | TPO刷题与点评 | 报名 |
托福基础VIP1V1课程 | 托福总分60分 | 量身定制学习计划 | 报名 |
托福预备班 | 提升词汇量 | 打好基础全面提高 | 报名 |