很多同學在學習托福寫作中經常沒思路，看見題目就已經蒙了，那麼從今天開始北京新東方趙雲龍BOMB老師幫你補充補充背景知識好不好，讓你「知其然知其所以然」 既然「機經」如今沒以前准了，那就不如從現在開始咱們積累一些和托福寫作相關話題的語料和背景知識，考試當中能用起來!!! Let』s begin now~~
First，請各位3分鐘時間默讀下面的文段(以下範文出自KYLE DeNUCCIO 不同顏色的詞請重點關注)
①Financial 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.
②Because 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 to become 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."
④Despite 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.
⑤In 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!!) / 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!!)(473words)
讀完了是不是有一種「好高大上啊」 我寫不出來啊，沒關係哈來下面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.
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.
e.g.： Marriage is a lifelong process that we have to think twice to make an informed decision.
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.
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.
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.
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.
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.
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.
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.
12.fall primarily on：主要屬於某人/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.
13.is akin to: 與某事某物相似
e.g.： Friendship is akin to love.
e.g.：How to achieve a sense of happiness has long been the provocative subjects which are often discussed among scholars.
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.
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.
作者介紹：趙雲龍，托福寫作獲得滿分，英語專業八級 外語系高材生 多倫多大學 紐約大學 哥倫比亞大學訪問學者，2015年獲得ETS認證托福講師。 樂詞APP視頻課程「小詞大用」創始人 主講人 美國研究所托福及美國出國申請全國演講師。