1 . During my freshman year at Brooklyn College, credit card companies were eager to earn the business of students. _______ by various rewards programs that only told part of the story, many students signed up for one or more cards without understanding the _______ of late payment.

_______ basic financial literacy (金融素养) meant many college students started off their adult lives with poor credit. _______, they faced challenges later in life when they needed to borrow money but couldn’t _______ a low-interest loan.

Poor credit _______ me past college and years into my teaching career. That has fueled my sense of _______ to teach the next generation of students about personal finance. It’s why I helped develop a personal finance course for teens and young adults.

To make the class as _______ as possible, we asked the students what _______ interested them. They were curious to know about buying homes and cars. Our course, intended for those aged between 14 and 21, has them ________ questions: How much do I need to save to make these purchases? Which purchases do I prioritize?

We, educators, can help young people ________ life after graduation, as there are many great ________ and developing our course was ________ than I had expected, which is why I hope more schools and youth organizations will offer financial education.

Financial literacy shouldn’t be optional because it puts those without it at a significant ________. And if my ________ as a student and an educator have taught me anything, it’s that no one should have to learn important financial lessons the hard way.

2 . Although we lack accurate statistics about child mortality in the pre-industrial period, we do have evidence that in the 1660s, the mortality rate for children who died within 14 days of birth was as much as 30 percent. Nearly all families _______ some premature death. Moreover, to protect themselves from the emotional consequences of children’s death, parents avoided making any emotional _______ to an infant.

The 18th century witnessed the _______ from an agrarian (土地的) economy to an industrial one, one of the vital social changes taking place in the Western world. An increasing number of people moved from their villages and small towns to big cities where life was quite different. Social supports which had _______ existed in smaller communities were replaced by problems such as poverty, crime, substandard housing and disease. Due to the need for additional income to support the family, young children from the poorest families were _______ into early employment and thus their childhood became painfully short. Children as young as 7 might be required to work full-time, _______ to unpleasant and unhealthy circumstances, from factories to prostitution.

The lives of children _______ a drastic change during the 1800s in the United States. Previously, children from both rural and urban families were expected to participate in everyday labour due to the bulk of manual hard working. _______ , thanks to the technological advances of the mid-1800s, _______ the rise of the middle class and redefinition of roles of family members, work and home became less synonymous over time. People began to purchase toys and books for their children. When the country depended more upon ________ , children in rural and urban areas, were less likely to be required to work at home. Beginning from the Industrial Revolution and rising slowly over the course of the 19th century, this ________ increased dramatically after the Civil War. John Locke was one of the most ________ writers of his period. He created the first clear and ________ statement of the “environmental position” that family education ________ a child’s life, and via this, he became the father of modern learning theory. During the colonial period, his teachings about childcare gained a lot of ________ in America.

3 . We believe that there is more to education than preparation for a job. Children must be prepared for all aspects(方面) of their future work, personal relationships, creative activities, dealing with money matters, independence, and parenthood.

But it would be unrealistic(不现实的) to provide an education which took no consideration of the needs of employers.

What type of training does the business world regard as important?

Many young people applying for jobs were, in the employers’ opinions, very weak in the basic skills of handwriting, grammar and spelling. “Though additional education at university level improved the students’ general ability,” a report states, “in basic skills the standards remained stubbornly low.”

There are different opinions about whether standards have gone down in recent years. What is certain is that employers do not believe the standards are now high enough. Do technological changes make greater demands upon the students’ abilities?

We should also remember that the job expectations of young people have increased. Girls who would have once become shop assistants or hairdressers now want to be secretaries. Boys who sought an apprenticeship (学徒工作) 20 years ago now desire to have an engineering degree. But it is still the same girls and boys with the same degree of ability. No wonder there are problems in reaching the “necessary standards” of the business world.

Many employers believe that it is important for teachers to have experience outside the world of college and school. They should work for a while at some other kinds of job “to see how the world of business is different from their own”. The teaching occupation and society in general need a greater understanding of manpower needs and therefore of “the desired” direction of the education system.

5 . Most of us assume those hyper-achievers who are always able to squeeze in their workout, eat healthy foods and pick their kids up on time must have superhuman self-control. But science points to a different answer:    1     The only catch is that building good habits takes effort and insight. Thankfully, here are a few research-backed steps that can set you on the path to where you want to be.

The way you define the goal you hope to turn into a habit does matter. Goals like “meditate regularly” are too abstract, research has shown.     2    Don’t say “I’ll meditate regularly. “ Say, “I’ll meditate for 15 minutes each day. “This is actually key to habit formation, making the task easy to carry out, but it’s often overlooked.

    3    Scientists have proven that you’ll make more progress toward your goal if you decide not just what you’ll do, but when and where you’ll be cued to do it. Making this kind of plan reduces the chances you’ll forget to follow through because the when and where in your plan will serve as cues to action.

A plan like “I’ll study Spanish for 30 minutes every weekday” is OK. But a detailed, cue-based plan like “Every workday after my last meeting, I’ll spend 30 minutes studying Spanish in my office” is more likely to stick as a habit.

We’re strongly influenced by the behaviors of the people around us, evidence shows. Want to start running regularly? You’re probably better off joining an established running club than asking a few friends who aren’t yet in the habit of jogging to get in shape with you.

However, it’s important not to get too crazy - if you try to train with marathoners when you’re just hoping to work up to a 5K, it can be discouraging.

Research has shown you’ll persist longer and ultimately achieve more if you focus on finding ways to make goal pursuit fun. One excellent way is to try “temptation bundling”. Research shows that temptation bundling improves follow-through; it transforms goal pursuit into a source of pleasure, not pain.     5    

6 . It is true that people with better education are usually able to get better paying jobs. In other words, they have more chances to choose a good job while people with little or no education don’t. It seems that the purpose of education is to make people get jobs. But this isn’t accepted by all people.

Some people may think that a person should spend the best years of his life to get education only for a way of living. This was probably one of the earliest reasons of education. In fact, if education is just a way of making a living, people don’t need to spend so much time in school. People can get education for a living in a short time. Subjects like history and geography need not be taught to everyone. Even languages and mathematics need not be taught in detail, either. Here it is clear that education is much more than teaching a man to get a way of living.

Education is well-rounded and it is mainly for improving a man. It is not only to teach him to speak, read and write, but also to develop his creative thinking and other abilities. After that, it is to make him a wise man and thankfully enjoy the achievements of humans. Education is to make a man lead a better life. Educated people are expected to be able to listen to good music, read good books, watch plays, and most of all, take an interest in the world.

I would agree that making a good living is an important reason for education, but certainly not the most important or the main reason.

7 . In the United States and other countries, schoolchildren have long learned from one kind of world map. It is called the Mercator projection. This version of map is more than 450 years old. Gerardus Mercator, a European mapmaker, designed it for the purpose of helping sailors and ships on the high seas.

But map experts say the Mercator projection should not be used in schools. They say it does not correctly show the sizes of countries and continents. For example, Mercator maps make Greenland appear bigger than China. In fact, China is about four times larger than Greenland.

Now, school officials in Massachusetts are replacing the Mercator map with the Peters projection. German historian Arno Peters worked on the projection in the 1970s. Peters’ aim was to fix Mercator’s problems with sizes.

Seeing a Peters map for the first time can be a strange experience. Land masses may look stretched (拉伸的) compared to how they look on the Mercator s and some other world maps.

Every map has its purpose. At first, the main purpose of Gerardus Mercator’s map was to help sailors get across the open seas without getting lost. When the Mercator map is used for other purposes than navigating (航行), such as on classroom walls as a representation of the real world, that’s like using a telephone to brush your teeth. The aim of the Peters projection was to show all countries, all regions, all continents, at their own actual sizes.

The Mercator and Peters projections are just two of many kinds of world maps that may hang in school classrooms. Many public schools in China, for example, use a map that shows East Asia near the center. It is human nature to view one’s own place near the center of the world. Mercator himself put Germany—his adopted homeland—near the middle of his map.

Maps are powerful tools. And the map from which students learn about the world can make a big difference in their understanding of others.

8 . It’s a joyful and stressful time of year in the United States for students and their families as they make decisions about where to attend college. Families often turn to rankings systems to help make a decision.     1    

When I talk to families as a scholar of higher education, they’re often surprised that teaching excellence is not counted in rankings.     2    

Emerging research suggests that courses in lower-ranked universities, on average, scored higher on teaching than courses in higher-ranked universities.     3     The absence of teaching excellence from the rankings is surprising given the link between high-quality teaching and student success. Quality teaching is one of the most important predictors of a wide range of college outcomes.

Rankings, however, are only one reason why a low value is placed on teaching in higher education. Administrators often don’t view teaching excellence as a way to increase enrolment (注册) or funding.     4     Research shows that the more time instructors spend on teaching, the lower their salary. What is the result? Many instructors continue to teach using traditional lectures, which lead to lower success rates.

    5     Nevertheless, not much will change until schools with high-quality teaching are rewarded with more resources, higher rankings and increased enrolments. In the long term, universities, organisations that rank schools, and others should work to make teaching a valued, core part of the mission.

What should students and their families do? They should give strong consideration to universities where high-quality teaching is valued, even though the schools may be ranked lower.

9 . Gifted students in the Wichita Falls Independent School District in Texas had the opportunity to travel to STEM facilities and learn coding and other technical skills, but the transportation is not convenient. “We just started talking about, ‘Wouldn’t it be cool if we were able to design a mobile STEM lab? ’ ”says Dr. Peter E. Griffiths, the district’s associate superintendent. Educators soon realized that they could retrofit an old bus into a mobile STEM lab, which would provide increased access to career and technical education (CTE) experiences for students.

Districts sold off buses when the vehicles became too old. Griffiths and his colleagues decided to retrofit one of those old vehicles. “Give me your ‘best worst’ bus,” Griffiths said to the transportation department. Soon the process of transforming began. Griffiths reached out to Reuben Rodriguez, the owner of a local car company, and explained what they wanted to do. Rodriguez agreed to work with the district on the price on condition that they could send CTE students to lend a hand with some of the building work. And bringing the bus from the dream stage to fruition has taken a lot of joint efforts of educators and the community.

Called STEAM Machine, the bus looks like a device from a video game or a real-life Lego truck, and rides as a mobile maker space. “It has two touch screen TVs outside. It comes complete with drones and drone obstacle courses that will help students learn about coding in an enjoyable way,” Griffiths says. “Those are things that a lot of these kids have never experienced before.”

To drive the bus, the district has hired a retiring teacher who will take the bus to various schools and engage in different lessons with students and educators. “We were so concerned about kids losing out on experiences before, and this is a solution. We aren’t going to let this go. The STEAM Machine will be equipped with all the necessary materials and resources, and it may change the way students learn and engage with their education,” Griffiths said.

10 . So few adults can remember the details of their own preschool or kindergarten years, it can be hard to appreciate just how much the early-education landscape has been transformed over the past two decades. The changes are not restricted to the physical environment of classrooms. Teaching methods and curricula have changed too. Much greater parts of the day are now spent on what’s called “seatwork”(a term that probably doesn’t need any explanation) and direct instruction, formerly used mainly in the older grades, in which a teacher carefully controls the content and pacing of what a child is supposed to learn.

One study, titled “Is Kindergarten the New First Grade?” compared kindergarten teachers’ attitudes nationwide in 1998 and 2010 and found that the percentage of teachers expecting children to know how to read by the end of the year had risen from 30 to 80 percent. The researchers also reported more time spent with workbooks and worksheets, and less time devoted to music and art. Kindergarten is indeed the new first grade, the authors concluded. In turn, children who would once have used the kindergarten year as a gentle transition into school are in some cases being held back before they’ve had a chance to start.

Until recently, school-readiness skills weren’t high on anyone’s agenda, nor was the idea that the youngest learners might be disqualified from moving on to the next stage. But now that kindergarten serves as a gatekeeper, not a welcome mat, to elementary school, concerns about school preparedness kick in earlier and earlier. A child who’s supposed to read by the end of kindergarten had better be getting ready in preschool. As a result, expectations that may arguably have been reasonable for 5- and 6-year-olds, such as being able to sit at a desk and complete a task using pencil and paper, are now directed at even younger children, who Jack the motor skills and attention span to be successful.

Preschool classrooms have become increasingly difficult spaces, with teachers asking pre-schoolers to finish their “work” before they can go play. And yet, even as pre-schoolers are learning more pre-academic skills at earlier ages, I’ve heard many teachers say that they seem somehow less curious and less engaged than the kids of earlier generations. More children today seem to lack the language skills needed to retell a simple story or to use basic connecting words and prepositions. They can’t make a conceptual analogy between, say, the veins(纹理) on a leaf and the veins in their own hands.

That’s right. The same educational policies that are publishing academic goals down to ever earlier levels seem to be contributing to the fact that young children are gaining fewer skills, not more.