13.Every year,thousands of new high school graduates pack their bags,move to new cities,and sign papers accepting loans,the money borrowed from a bank or lenders etc,which they might not be able to pay back.Without proper education on personal finance,especially as it relates to paying for college,young adults are guided into improper loan plans that result in years of debt after graduation.In order to set students up to succeed financially,it is important to educate students and parents on their financial options before school in the fall.The best way to support families heading for college is to require that every high school student take a personal finance class before graduation.This will help smooth the transition into adulthood.
The average student takes out at least one loan to cover the costs of their education each year.In 2014the average student graduating from college carried a negative balance of about $20,000 in debt,which often spread over multiple lenders.Upon graduation,students rarely know exactly how much money they owe,and even though they are in the state of being unable to pay their debts,they cannot wipe out student loans.These students spend much of their adult lives paying off the gradual increasing debts.
A personal finance course would teach students how to manage their income and expenditures,while helping to significantly reduce the amount of debt students carry into adulthood.By teaching students how to save money and live within their means,this course will provide the next generation with a foundation to progress financially.Students choosing to get a job straight out of high school would also benefit from finance education for these very reasons.With education on how to manage their finances,all young people will have the knowledge to make healthy decisions,leading them to improve good credit and purchase needed items like cars and homes with skill and confidence.
While not every young person makes financial mistakes,those who do can face years of difficulty trying to get their finances back under control.Rather than help them through these hard times when they happen,we should try to prevent them from happening at all.Making the completion of personal finance coursework a requirement for graduation would ensure that young people are at least aware of the basics of preserving a financial stability.
33.What is the third paragraph mainly about?B
A.Ways to improve financial credits.
B.Advantages of taking a finance course.
C.Skills of balancing income and expenditures.
D.Introduction to the education on personal finance.
34.Having financial knowledge,high school students are probably able toC.
A.smooth their way for college
B.get out of their financial trap
C.a(chǎn)void the risk of the future financial trouble
D.free from the cost of their college education
35.The main purpose of the passage is toD.
A.inform and explain
B.discuss and examine
C.research and analyze
D.a(chǎn)rgue and persuade.
分析 文章介紹一種理財課程,教學(xué)生怎么合理地管理自己的錢財,避免陷入債務(wù)危機.
解答 33-35 BCD
33.B 段落大意題.根據(jù)文章第三段的句子"A personal finance course would teach students how to manage their income and expenditures,while helping to significantly reduce the amount of debt students carry into adulthood."可知,第三段主要介紹上理財課程的好處.故選B.
34.C 推理判斷題.根據(jù)文章最后一段的句子"Making the completion of personal finance coursework a requirement for graduation would ensure that young people are at least aware of the basics of preserving a financial stability."可知,有了理財知識,年輕人至少能了解保持經(jīng)濟穩(wěn)定的基本知識,也就是可以避免陷入經(jīng)濟困境.故選C.
35.D 推理判斷題.根據(jù)文章內(nèi)容可知,文章首先說大學(xué)生會欠下很多債務(wù),以至于在畢業(yè)多年后仍然忙于償還債務(wù),然后勸說這些學(xué)生參加理財課程,因為該課程能幫助他們更好地管理自己的錢,學(xué)會節(jié)約和合理使用錢.故選D.
點評 閱讀理解題測試考生在閱讀基礎(chǔ)上的邏輯推理能力,要求考生根據(jù)文章所述事件的邏輯關(guān)系,對未說明的趨勢或結(jié)局作出合理的推斷;或根據(jù)作者所闡述的觀點理論,對文章未涉及的現(xiàn)象、事例給以解釋.考生首先要仔細(xì)閱讀短文,完整了解信息,準(zhǔn)確把握作者觀點.