March 25, 2024
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本期作者：张婷婷
2024年3月23日雅思大作文题目
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 ？(2024/03/23)
范文及解析
Introduction
The prevailing reality that aballooningnumber of high school graduates lack a sound understanding of how to arrange money has come into stark relief as the economy continues toleap. Therefore, it is essential that we elaborate on an objective analysis of thelatentcauses of this occurrence and bring forwardviable remedies.
解析
本次考题是2021年1月16日的旧题，关于高中生不会理财的原因以及解决方法，Report类的题目整体没有太大难度，原因解决方法可以从学校，家庭两方面展开分析；
❖ ballooning adj.激增的；
❖ leap v.猛冲；剧增，猛涨；
❖ latent adj.潜在的，隐藏的；
❖ viable adj.可望成功的，切实可行的；
❖ remedy n.解决方法
译文参考：
经济持续增长的背景下，高中毕业生对资金安排缺乏良好理解的普遍现象日益突显。因此，有必要客观分析这一现象的潜在原因，并提出可行的补救措施。
Body 1
In my understanding, there are numeroustriggerscontributing to this passive phenomenon. For starters, most high schools give priority to test scores over fostering students' financing planning, such as managing personal money. Due to the inescapable stress of exam-oriented and exercise-heavy curricula, studentssoaksolely in academic subjects and find it unrealistic toallotsufficient time and energy todabblein subjects irrelevant to their academic performance. It is thesheer disregardfor the education of financial arrangement that makes students scarcely have thefaintestidea of conducting finance.
解析
Reason 1: 大多数高中优先关注学生考试成绩，而不是培养学生的财务规划；
❖ trigger n.（尤指引发不良反应或发展的）起因，诱因；
❖ soak v.沉浸在（学习中）；
❖ allot v.分配，分派，划拨；
❖ dabble v.涉猎，涉足；
❖ sheer adj.纯粹的，完全的；
❖ disregard n.漠视，轻视；
❖ faintest adj.一点也不的（用于否定句，加强语气）；
译文参考：
在我看来，有很多因素导致了这种消极现象。首先，大多数高中优先考虑考试成绩，而不是培养学生的财务规划，比如管理个人资金。由于考试导向和大量练习课程的不可避免的压力，学生们只专注于学术科目，并发现分配足够的时间和精力去涉足与他们的学业表现无关的科目是不现实的。正是对财务安排教育的完全忽视，使得学生几乎没有进行财务管理的想法。
Body 2
Additionally, since wealth hasaccrued, many families are now able to provide their kids with anamplesubsistence withoutfretting aboutrunning out of money. Since their parents can take care of the financial needs when their children use up money, most adolescents take it for granted that there is no need creating a thorough strategy to make ends meet. Thecorollaryis that most students,pamperedby their parents, are unaware that it ispivotalto learn about financial responsibility.
解析
Reason 2：许多家庭现在能够为他们的孩子提供充足的生存条件，孩子无需担心用光钱；
❖ accrue v.积累；形成；
❖ ample adj.充足的，充裕的；
❖ fret about 为……烦恼：对某事感到焦虑或担忧。
❖ corollary n.推论；必然的结果
❖ pampered vt.细心照顾，娇惯；
❖ pivotal adj.中枢的，关键的；
译文参考：
此外，由于财富的积累，许多家庭现在能够为他们的孩子提供充足的生存条件，而不用担心用光钱。由于他们的父母可以照顾他们的孩子用光钱时的财务需求，大多数青少年理所当然认为没有必要制定一个周密的策略来使收支平衡。其必然结果是，大多数学生，被他们的父母宠爱着，没有意识到学习财务责任是至关重要的。
Conclusion
It isimperativethat someefficacioussteps be taken in order to break through this tough nut. More specifically, students shouldbe enrolled incoursesgermaneto financial arrangement because apertinenteducation can help them acquire practical skills, including the capacity of handling money in a sensible manner. In the meantime, parents should make sure their kids are not given more money than they need in order for them to learn how to livefrugally. By combining these approaches, students' understanding of proper money management willbe ingrained intheir thoughts and then the young will become financiallyalert.
解析
Solutions：
(1) 学校设置理财相关的课程；
(2) 父母应确保孩子不会得到超过其需求的额外资金，以培养他们理财的意识；
❖ imperative adj.极重要的，必要的；
❖ efficacious adj.有效的；
❖ be enrolled in 被正式录取到某个组织、学校、课程等中；
❖ germane adj.有密切关系的；贴切的；
❖ pertinent adj.切题的，相关的；
❖ frugally adv.节约地；节省地；
❖ be ingrained in 深植于；
❖ alert adj.警觉的；机敏的，敏捷的；意识到；
译文参考：
为了解决这一复杂问题，必须采取一系列有效措施。更具体地说，学生应参加与财务安排相关的课程，因为相关教育能够帮助他们获得实用技能，包括明智处理金钱的能力。同时，父母应确保孩子不会得到超过其需求的额外资金，以培养他们节俭生活的意识。通过综合运用这些方法，学生对适当金钱管理的理解将深植于思想中，并使年轻人变得具备财务警觉性。
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