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 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."
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.(细节!!) / 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.(细节!!)(473words)
读完了是不是有一种“好高大上啊” 我写不出来啊，没关系哈来下面小编帮你“庖丁解牛” 请动笔“记” 光看没用，快拿笔!
1.Financial literacy ：翻译成中文的话就类似“理财的能力”
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：明智的决定 类似表达比如 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：把零钱装进存钱罐
“piggy bank”表示零钱罐，penny 一便士
e.g.：Confronting financial crisis, government has to implement a proper asset allocation policy to avoid repeat financial depression.
6.be emphasized in: 被重视
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(一般与学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：经济上有责任感的成年人
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”做某事没有准备好“ ”缺乏某种能力“
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倾向
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：表示在某方面展现兴趣
e.g.：Talent kids tend to show a growing interest in tackling difficult problems.
12.fall primarily on：主要属于某人/主要落在谁身上
e.g.：To address environmental problems, the duties will fall primarily on three aspects : governments ;individuals and small businesses.
13.is akin to: 与某事某物相似
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/站在某人那边
e.g.：On my side, finance-related issues should be emphasized in the education of kids.
16.share essential knowledge and skills to ：分享重要的知识技能给某人
e.g.：Teachers should share essential knowledge and skills to teenagers who are eager to learn and improve their abilities.