Laws that would have ensured pupils from five to 16 received a full financial education got lost in the ‘wash up’. An application is calling on the next government to bring it back.
At school the children are taught to add up and subtract(減法) but, extraordinarily, are not routinely shown how to open a bank account — let alone how to manage their finances in an increasingly complex and demanding world.
Today the parenting website Mumsnet and the consumer campaigner Martin Lewis have joined forces to launch an online application to make financial education a compulsory element of the school curriculum in England. Children from five to 16 should be taught about everything from pocket money to pensions, they say. And that was exactly the plan preserved in the Children, Schools and Families bill that was shelved by the government in the so-called “wash-up” earlier this month — the rush to legislation before parliament was dismissed. Consumer and parent groups believe financial education has always been one of the most frustrating omissions of the curriculum.
As the Personal Finance Education Group (Pfeg) points out, the good habits of young children do not last long. Over 75% of seven- to 11-year-olds are savers but by the time they get to 17, over half of them are in debt to family and friends. By this age, 26% see a credit card or overdraft(透支) as a way of extending their spending power. Pfeg predicts that these young people will “find it much harder to avoid the serious unexpected dangers that have befallen many of their parents' generation unless they receive good quality financial education while at school.”
The UK has been in the worst financial recession(衰退)for generations. It does seem odd that — unless parents step in — young people are left in the dark until they are cruelly introduced to the world of debt when they turn up at university. In a recent poll of over 8,000 people, 97% supported financial education in schools, while 3% said it was a job for parents.
【小題1】The passage is mainly about _____________.
| A．how to manage school lessons |
| B．how to deal with the financial crisis |
| C．teaching young people about money |
| D．teaching students how to study effectively |
| A．the author complains about the school education |
| B．pupils should not be taught to add up and subtract |
| C．students have been taught to manage their finances |
| D．laws on financial education have been effectively carried out |
| A．instruct the pupils to donate their pocket money |
| B．promote the connection of schools and families |
| C．a(chǎn)sk the government to dismiss the parliament |
| D．a(chǎn)ppeal for the curriculum of financial education |
| A．it is easy to keep good habits long |
| B．teenagers spend their money as planned |
| C．parents are willing to pay the debt for their kids |
| D．it will be in trouble if the teenagers are left alone |
| A．stress the necessity of the curriculum reform |
| B．show the seriousness of the financial recession |
| C．make the readers aware of burden of the parents |
| D．illustrate some people are strongly against the proposal |
【小題1】C
【小題2】A
【小題3】D
【小題4】D
【小題5】A
解析試題分析：本文主要是關(guān)于青少年理財(cái)?shù)囊恍┙榻B。作者抱怨學(xué)校的教育，強(qiáng)調(diào)課程改革的重要性。
【小題1】主旨題，通讀全文就可以找出答案。本文主要是關(guān)于青少年理財(cái)?shù)囊恍┙榻B。選B
【小題2】作者態(tài)度題：閱讀前兩段，從第二段就可以看出作者的態(tài)度是抱怨學(xué)校的教育。選D。
【小題3】細(xì)節(jié)題：從文中第三段的第一句中Today the parenting website Mumsnet and the consumer campaigner Martin Lewis have joined forces to launch an online application to make financial education a compulsory element of the school curriculum in England.可知網(wǎng)站和消費(fèi)活動(dòng)人士聯(lián)合起來(lái)是呼吁理財(cái)教育的課程。答案選D。
【小題4】細(xì)節(jié)題：從文章倒數(shù)第二段的句子：Pfeg predicts that these young people will “find it much harder to avoid the serious unexpected dangers that have befallen many of their parents' generation unless they receive good quality financial education while at school.”可知根據(jù)Pfeg所說(shuō)如果年輕人被不管不顧會(huì)有麻煩。選D。
【小題5】細(xì)節(jié)題：從文中最后一段最后一句話In a recent poll of over 8,000 people, 97% supported financial education in schools, while 3% said it was a job for parents.可以看出是強(qiáng)調(diào)課程改革的重要性。選A
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
As a professor I have grown accustomed to the opinion regarding American education. We are repeatedly told that American schools are failing, that colleges are not teaching, and that the students of today are not as good as the students of the past.
There are, of course, problems with the education system. Because of economic inequality some schools are significantly better than others and the ideas of equality of education and equality of opportunity are cruel jokes. However, the mere fact that there are some serious problems does not mean that all the dire claims are true.
One stock (陳腐的) claim is that America has fallen behind the world in education in terms of performance on various tests. While the fact that America is behind other countries is a point of concern, there are at least three points worth considering here. The first is the above-mentioned economic inequality which will tend to result in poorer performance when taking the average for America. The second is that many countries have put considerable effort into improving their education systems and hence it is worth considering that America’s decline is also due to the improvement of others. The third is the matter of the measures— do they, in fact, present an accurate picture of the situation? I am not claiming that the data is bad. I am merely raising a reasonable concern about how accurate our picture of education is at this time.
Another stock claim is that American students are doing badly on standardized tests. While there is clearly value in assessment, it is reasonable to consider whether or not such tests are a proper and adequate measure of education. It is also worth considering whether the puzzle with these tests is itself causing damage to education. That is, as teachers teach for the test and students learn for the test, it might be the case that what is being taught is not what should be taught and what is being learned is not what should be learned.
【小題1】According to the professor, many people’s attitude towards American colleges is .
| A．negative | B．positive | C．a(chǎn)pproving | D．indifferent |
| A．Exact or precise. | B．Extremely serious or terrible. |
| C．Fair or objective. | D．Long and boring. |
| A．what should be taught in the American classroom |
| B．fair judgment of American education |
| C．American students’ performance on tests |
| D．a(chǎn)n accurate picture of American colleges |
| A．defend American education |
| B．show dissatisfaction with American education |
| C．explain why American students do badly on tests |
| D．offer advice on American education reform |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
In a world as fast-changing and full of information as our own, all of us need to know how to learn well. Yet evidence suggests that most of us don’t use the learning techniques that science has proved the most effective.
The scientific literature evaluating these techniques goes back to decades and across thousands of articles. It’s far too extensive and complex for the average parent, teacher or employer to look through. Fortunately, a team of five leading psychologists have done the job for us.
Professor John Dunlosky and other psychologists closely examined 10 learning strategies and rated each from high to low utility(實(shí)用) on the basis of the evidence they’ve gathered. Here’s part of their conclusions:
In contrast to familiar practices, the effective learning strategies with the most evidence to support them aren’t well known outside the lab. Take distributed practice, for example. This strategy involves spreading out your study time, rather than engaging in one marathon. Cramming (死記硬背）information at the last minute may allow you to get through that test or meeting, but the material will quickly disappear from your memory. It’s much more effective to look through the material at intervals over time.
And the longer you want to remember the information, whether it’s two weeks or two years, the longer the intervals should be.
The second learning strategy that is highly recommended by Dunlosky is practice testing. Yes, more tests---but there not for a grade. Research shows that the mere act of calling information to mind strengthens that knowledge and aids in future retrieval (檢索). While practice testing is not a common strategy---despite the strong evidence supporting it ---there is one familiar approach that captures its benefits: using flash cards. And now flash cards can be presented in digital form. Both distributed practice and practice testing were rated as having “high utility” by Dunlosky.
【小題1】How did the psychologists study and rate the learning strategies?
| A．By analyzing the materials gathered in the past years. |
| B．By asking some students questions about their study. |
| C．By doing some experiments on the objects in the lab. |
| D．By asking parents and teachers to look through the articles. |
| A．small in amount |
| B．easy or quick to do |
| C．more than is needed |
| D．dealing with a lot of information |
| A．many students have benefited a lot from them |
| B．they were first put forward by John Dunlosky |
| C．only a small number of experts know about them |
| D．psychologists are studying whether they are effective |
| A．we should not study for long hours every day |
| B．reviewing what we have studied is of little help |
| C．the shorter the interval is, the better we’ll study |
| D．doing repetition at intervals is the best way |
| A．is a way to use flash cards to help study |
| B．is mainly used to help us remember well |
| C．helps know about students’ grades in time |
| D．is a way widely used to strengthen memory |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
There is no question that teenagers need rules, which is often not a difficult thing for parents to give.What can be more challenging is giving teenagers their freedom.It can be difficult to draw the line between the two.However, some issues cannot be changed by discussion and require firm rules.For instance, rules should be established concerning driving the family car.
I will admit that I have no problem coming up with rules.To me they make life easier and they leave no room for questioning.What can be more difficult, however, is giving my teens their freedom.I guess there are really two primary reasons for this.One is that sometimes I am afraid to give them freedom.The second is that I'm not always so sure what the freedom should be.
It helps that I have a husband with whom I can discuss these problems.We talk about them,_give our thoughts and then we come up with an agreement.Sometimes one of us might be more unwilling but we know that there comes a time when we really do have to learn how to let go of the reins(韁繩) a bit.
If we try to make life have nothing but rules, we are more likely to see our teen's rebelling(反抗)．They need to know that while we do have certain expectations, we also trust them to begin making their own choices and decisions.How else can they do that unless they are given the space and room to do it?
It's really all about balance and I will be the first to admit that it can be a challenge to carry out.However, it is a necessary part of growing up.Yes, teens definitely need rules but they also need freedom.
【小題1】According to the first paragraph, it is difficult to decide ________.
| A．whether the children need rules |
| B．whether the children should be given freedom |
| C．how much freedom should be given to children |
| D．what issues require nonnegotiable rules |
| A．strongwilled | B．rebellious |
| C．weak | D．independent |
| A．Rules are difficult to make for parents. |
| B．Rules and freedom are similarly important. |
| C．We should give children freedom as much as possible. |
| D．Rules are more important than freedom. |
| A．Problems. | B．Children. | C．Rules. | D．Reasons. |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
An estimated 80 percent of American adults think music lessons, though at times boring and challenging in the eyes of some kids, improve children’s ability to learn or their performance in school . They say that the satisfaction for learning to play a new song helps a child express creativity.
Researchers at Harvard University, however, have found that there’s one thing musical training does not do. Samuel Mehr, the leading researcher of the new study, said it is wrong to think that learning to play a musical instrument improves a child’s intellectual development. The evidence comes from studies that measured the mental ability of two groups of 4-year-olds and their parents. One group attended music class; the comparison group went to a class that places importance on the optical arts-arts that can be seen.
“We found no evidence for any advantage on any of these tests for the kids participating in these music classes,” said Mehr.
Samuel Mehr says researchers have carried out many studies in an effort to learn whether musical training can make children smarter. Only one study seems to show a small percentage increase in IQ, intellectual scores among students after one year of music lessons.
He does not believe that IQ is a good measure of a child’s intelligence. Therefore, the researchers in his study compared how well children in the musical training group did on mental processing tasks, then the results were compared to those of children who did not take lessons.
Music lessons may not offer children a fast easy way to gain entry to the best schools later of their life, but the training is still important.
Mr Mehr notes that the works of writer William Shakespeare are not taught , so the children will do better in physics. He says Shakespeare is taught because it is important for cultural reasons.“And I don’t think music needs to be any different than that.”
【小題1】What attitude do most American grown-ups have towards music lessons? _________
| A．Uninterested | B．Approving | C．Doubtful | D．Uncertain |
| A．visual | B．colorful | C．traditional | D．serious |
| A．many studies show that music training can improve IQ |
| B．IQ is a good measure of a child’s intelligence |
| C．music can enable a child to go to a better school |
| D．music should be taught for cultural reasons |
| A．early music training has negative effects |
| B．musical lessons should be stopped at school |
| C．musical training doesn’t improve kids’ intelligence |
| D．playing musical instrument makes kids more creative |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
Boys need friends, suffer when they don't believe they have any, and worry over the ups and downs of relationships. Many adults believe that somehow boys need friends less than girls do, in truth, though, no boy is an island; boys value their friends throughout childhood and adolescence and are happier and healthier when they have solid relationships with peers.
Despite the common belief that girls are better at relationships, most boys consider their friends a very important part of their lives, and boys may actually be better at keeping friendships than girls are. A recent study of 10 to 15yearold boys and girls found that girls' friendships are actually more fragile. Girls tend to say and do hurtful things to each other more frequently than boys, and girls are more hurt by the end of a friendship.
Boys are the living definition of the phrase “peer group”; they love games with rules, competition, and doing things together. Boys seem to enjoy, even need the opportunity to test themselves against others, and many lasting friendships begin in karate (空手道) class or on the basketball court. Competence and skill are widely respected; being picked last for a team or left out altogether is an experience that can haunt (縈繞心頭) a boy for years.
As boys mature, the friendship becomes even more important, and it frequently widens to include girls. During the teen years, friends can become the most important part of a boy's life—and a part in which his parents are not included. The confusion of being a teenager leads boys to form close bonds with friends. There is the sense for many boys that a friend is someone who is “always there for me”， someone he can trust. They may be partners in crime or partners in study, but the friendship of adolescent boys can run surprisingly deep.
【小題1】According to the text, boys' friendship________.
| A．is usually built around active play |
| B．tends to be in small groups |
| C．can bear mutual hurt between friends |
| D．doesn't suffer from failure |
| A．many people believe girls are better at relationships |
| B．most boys consider their friends very important |
| C．boys may be better at keeping friendships than girls |
| D．boys may be more active in a friendship |
| A．widen his circle of friends to include different kinds of people |
| B．shift his focus from his friends to himself |
| C．leave his parents out of his friendship |
| D．be confused about what a friendship is |
| A．Friendships between Boys and Girls |
| B．Boys and Their Friendship |
| C．Childhood and Adolescent Friendship |
| D．Tips on Making Friends with Boys |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
A MENTORING (導(dǎo)師制) program is giving life changing opportunities to Banbury youth.
Young Inspirations was founded two years ago to provide mentoring sessions for students and unemployed young adults aged 11 to 21.
Alex Goldberg，the program’s founder，said：“We set up Young Inspirations because we wanted to give young people experiences which will potentially be life changing and broaden their outlook.
“We try to create work experience opportunities that will really make a difference to our youth.For example，we’ve secured internships (實(shí)習(xí)) with worldfamous firms such as Honda.
“At a time of funding cutbacks where schools are finding it more and more difficult to offer this kind of mentoring，it is extremely important that these opportunities are available both to help youth with their school work and grades and to give them opportunities which may help shape their futures.”Kieran Hepburn,14，is one of a group of Banbury youth who has benefited from the program so far.In October the Banbury School pupil was accompanied by Young Inspirations staff to Paris where he was an observer at the United Nations Educational，Scientific and Cultural Organization’s (UNESCO) International Youth Forum (論壇)．
The event was held for young people from around the world，to seek their views on how the future of youth and education should look.Kieran joined several hundred observers mostly in their 20s and was the only UK school pupil to attend the event.Kieran thinks the trip was a life changing experience.“Before we left I didn’t quite know what to make of it but when we got there we didn’t stop，it was amazing，”he said，“We went to three or four hours of debates each day and then did something cultural each afternoon.”
The main theme of the forum was how youth can drive change in political and public life.It dealt with issues (問(wèn)題) such as drug abuse，violence and unemployment.
Kieran said：“ It has really helped me to improve my confidence and social skills as well as my school grades and I was voted most improved pupil at school in August.”
The Young Inspirations mentoring sessions take place each Friday in Banbury.For details visit www.younginspirations.com.
【小題1】The Young Inspirations mentoring program aims to ________.
| A．train staff for worldfamous firms |
| B．offer job opportunities to young adults |
| C．provide youth with unique experiences |
| D．equip the unemployed with different skills |
| A．the lack of support from firms |
| B．the cultural differences |
| C．the effect of unemployment |
| D．the shortage of money |
| A．build up their confidence at school |
| B．find work experience opportunities |
| C．improve their social skills for the future |
| D．play an active role in the change of society |
| A．the visit to the United Kingdom was amazing |
| B．Kieran has made great progress in many aspects |
| C．the youth have found a way to solve their problems |
| D．the mentoring sessions are held every day except Friday |
| A．Alex Goldberg，F(xiàn)ounder of Young Inspirations |
| B．Young People Find a World of Opportunity |
| C．Kieran，Banbury School Pupil to Paris |
| D．Debates Help Youth with Their Grades |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
Normally a student must attend a certain number of courses in order to graduate, and each course which he attends gives him a credit which he may count towards a degree. In many American universities the total work for a degree consists of thirty-six courses each lasting for one semester. A typical course consists of three classes per week for fifteen weeks; while attending a university a student will probably attend four or five courses during each semester. Normally a student would expect to take four years attending two semesters each year. It is possible to spread the period of work for the degree over a longer period. It is also possible for a student to move between one university and another during his degree course, though this is not in fact done as a regular practice.
For every course that he follows a student is given a grade, which is recorded. and the record is available for the student to show to potential employers. All this imposes(增加) a constant pressure and stress of work, but in spite of this some students still find time for great activity in student affairs. Elections to positions in student organizations arouse much enthusiasm. The effective work of maintaining discipline is usually performed by students who advise the academic authorities. Any student who is thought to have broken the rules, for example, by cheating has to appear before a student court. With the enormous numbers of students. the operation of the system does involve a certain amount of activity. A student who has held one of these positions of authority is much respected and it will be of benefit to him later in his career.
【小題1】Normally a student would at least attend __________classes each week.
| A．36 | B．12 | C．20 | D．15 |
| A．to live in a different university |
| B．to change permanently his or her university |
| C．to live at home and drive to classes |
| D．to get two degrees from two different universities |
| A．their academic performance will affect their future careers |
| B．they are heavily involved in student affairs |
| C．they have to obey university rules |
| D．they want to run for positions of authority |
| A．they hate the constant pressure and stress of their study |
| B．they will then be able to stay longer in the university |
| C．such positions help them get better jobs |
| D．such positions are usually well paid |
| A．dealing with the academic affairs of the university |
| B．ensuring that the students observe university regulations |
| C．evaluating students' performance by bringing them before a court |
| D．keeping up the students' enthusiasm for social activities |
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科目：高中英語(yǔ) 來(lái)源： 題型：閱讀理解
When was the last time you did something really fun with one of your parents—just the two of you?
Parents who take their young children to music, swimming and art classes often stop arranging such activities once their kids are older and in school all day. But it doesn’t have to be that way. Doing something enjoyable with your kids just might make you look at each other in a whole new way, especially if you do it through a class or an event. When parent and child become students together, it puts them on the same level, at least for a while.
“I really like parents to come to class with their kids—they start sharing things and talking about what they’re doing and what they like,” said art teacher Pyper Dixon.
However, finding something new in common is a big choice for them, especially when kids get involved in sports and other after-school activities. But it’s possible to learn a new skill or hobby together.
That’s certainly true of Lauren, 11, of Silver Spring, who is in Dixon’s class with her father, Dennis. “I was just going to drop her off,” Dennis said, “but Dixon persuaded me to stay.”
Now Lauren gets to nag her father about doing his art homework. “He always leaves it to the last minute,” she said. “But then he’ll turn around to do amazing drawings,” she added, “We have different styles of drawing, so it’s interesting to talk it over with him.”
Without the Saturday morning art class, Dennis said, he would be reading the paper, and Lauren would be on her own in her room or on the computer. But they talk more now. “I can’t think of an experience where you communicate with your kid so closely,” he said.
【小題1】The author raises the question at the beginning to_______.
| A．expect an answer |
| B．criticize some parents |
| C．introduce the topic |
| D．support his argument |
| A．They will become equal. |
| B．They will communicate more. |
| C．The child will learn art much better. |
| D．The parent will learn something new. |
| A．urge | B．help | C．miss | D．teach |
| A．Lauren used to talk a lot with her father |
| B．Dennis enjoys studying art with Lauren |
| C．Lauren dislikes her father’s drawings |
| D．Dennis likes playing computer games |
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