A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.

University tuition fees (學(xué)費(fèi)) are currently capped at ??3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.

In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average ?? 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just ?? 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than ?? 10.000. Average debts for graduates are ?? 12，363.

Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."

Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.

1. Which of the following can be found from the five-year research project?

A. Students understand personal finances differently.

B. University tuition fees in England have been rising.

C. Teenagers tend to overestimate their future earnings.

D. The students' payback ability has become a major issue.

2. The phrase "to raise the ceiling" in paragraph 2 probably means "______".

A. to raise the student loans      B. to improve the school facilities

C. to increase the upper limit of the tuition     D. to lift the school building roofs

3. According to Stephen Moir, students_______.

A. are too young 10 be exposed 10 financial issues

B. should learn 10 manage their finances well

C- should maintain a positive attitude when facing loans

D. benefit a lot from lessons on personal finance

4. What can we learn from the passage?

A. Many British teenagers do not know money matters well

B. Teenagers in Britain are heavily burdened with debts.

C. Financial planning is a required course at college.

D. Young people should become responsible adults.

【小題1】C

【小題2】C

【小題3】B

【小題4】A


解析:

【小題1】細(xì)節(jié)推理題。從第一句話“most of them are ignorant when it comes to money”可以得出答案,“青少年傾向于過高估計(jì)了他們未來賺錢的前景”而沒有意識(shí)到他們會(huì)在未來面臨的各種債務(wù)。

【小題2】詞義猜測題。根據(jù)上下文的意思，推測“raise the ceiling”的意思，很顯然，不是A項(xiàng)“增加學(xué)生的貸款”，不是B項(xiàng)“改善學(xué)校的設(shè)施”，也不是D項(xiàng)“增高學(xué)校建筑的屋頂”，他們都不是第二段里提到的意思，那么就只能選擇C項(xiàng)“提供學(xué)費(fèi)的上限”。 得A項(xiàng)為答案，即“很多英國的青少年沒有很好地認(rèn)識(shí)錢的問題”。B項(xiàng)是“英國的青少年有很沉重的債務(wù)負(fù)擔(dān)”，C項(xiàng)是“財(cái)政計(jì)劃是大學(xué)里的必修課”，D項(xiàng)“年輕人應(yīng)該對(duì)成年人負(fù)責(zé)”都偏離了文章大意，所以不選。

【小題3】細(xì)節(jié)歸納題。根據(jù)第四段里Stephen Moir說的話，來歸納出他的觀點(diǎn)，就是“學(xué)生們應(yīng)該學(xué)會(huì)更好地理財(cái)”。

【小題4】主旨大意題。閱覽本文后，概括出大意，

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