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 . The latest bad but unsurprising news on education is that reading and writing scores on the SAT have once again declined. The language competence of our high schoolers fell steeply in the 1970s and has never recovered. This is very worrisome, because the best single measure of the overall quality of our primary and secondary schools is the average verbal(语言的) score of 17-year-olds. This score correlates with the ability to learn new things readily, to communicate with others and to secure a job. It also predicts future income.

The most credible analyses have shown that the chief causes are vast curricular changes, especially in the critical early grades. In the decades before the Great Verbal Decline, a content-rich elementary school experience evolved into a content-light, skills-based, test-centered approach. Cognitive psychologists agree that early childhood language learning (ages 2 to 10) is critical to later verbal competence, not just because of the remarkable linguistic plasticity of young minds, but also because of the so-called Matthew Effect.

The name comes from a passage in the Bible: “For unto every one that hath shall be given, and he shall have abundance: but from him that hath not shall be taken away even that which he hath.” Those who are language-poor in early childhood get relatively poorer, and fall further behind, while the verbally rich get richer.

The origin of this cruel truth lies in the nature of word learning. The more words you already know, the faster you acquire new words. This sounds like an invitation to vocabulary study for babies, but that’s been tried and it’s not effective. Most of the word meanings we know are acquired indirectly, by intuitively(凭直觉的) guessing new meanings as we understand the main idea of what we are hearing or reading. The Matthew Effect in language can be restated this way: “To those who understand the main idea shall be given new word meanings, but to those who do not there shall follow boredom and frustration.”

Clearly the key is to make sure that from kindergarten on, every student, from the start, understands the main idea of what is heard or read. If preschoolers and kindergartners are offered substantial and coherent lessons concerning the human and natural worlds, then the results show up five years or so later in significantly improved verbal scores. By staying on a subject long enough to make all young children familiar with it (say, two weeks or so), the main idea becomes understood by all and word learning speeds up. This is especially important for low-income children, who come to school with smaller vocabularies and rely on school to pass on the knowledge base children from rich families take for granted.

Current reform strategies focus on testing, improving teacher quality, and other changes. Attention to these structural issues has led to improvements in the best public schools. But it is not enough.

6 . A baby born today will be thirty-something in 2050. If all goes well, that baby will still be around in 2100, and might even be an active citizen of the 22^nd century. What should we teach that baby to help them survive and flourish in the world of 2050 and beyond? What kind of skills will they need in order to get a job, understand what is happening around them, and navigate their tough life?

At present, too many schools across the world focus on providing pupils with a set of predetermined skills, such as writing computer code in C++ and conversing in Chinese. Yet since we have no idea how the world and the job market will look in 2050, we don’t really know what particular skills people will need. We might invest a lot of effort in teaching kids how to write in C++ or to speak Chinese, only to discover sooner or later that AI will have been able to code software far better than humans, and that a new translation app will have enabled you to conduct a conversation in almost flawless Mandarin, Cantonese or Hakka, even though you only know how to say ni hao.

So what should we be teaching? Many experts argue that schools should downplay technical skills and emphasize general-purpose life skills: the ability to deal with change, to learn new things, and to preserve your mental balance in unfamiliar situations. In order to keep up with the world of 2050, you will above all need to reinvent yourself again and again.

To succeed in such a demanding task, you will need to work very hard on getting to know your operating system better—to know what you are and what you want from life. This is, of course, the oldest advice in the book: know thyself. This advice was never more urgent than in the mid-21^st century, because unlike in the days of Laozi or Socrates, now you have serious competition. Coca-Cola, Amazon and Facebook are all racing to hack you.

Right now, the algorithms (算法) are watching where you go, what you buy, and who you meet. Soon they will monitor all your steps, breaths and heartbeats. They are relying on big data and machine learning to get to know you better and better. And once these algorithms know you better than you know yourself, they could control and manipulate (操纵) you. In the end, authority will shift to them.

Of course, you might be perfectly happy giving up all authority to the algorithms and trusting them to make decisions for you and for the rest of the world. If, however, you want to maintain some control over your personal existence and over the future of life in general, you have to run faster than the algorithms. To run fast, don’t take much luggage with you. Leave all your illusions (幻想) behind. They are very heavy.

7 . Our lives are full of habits. Unfortunately a great many of them are bad habits. One way to break these bad habits is to fill our lives with good habits. Most people decide one day that they need to make changes to their lives and then they go all out to make big sweeping changes. This may work for them for the first few days, but then they get burned out.     1     This is a very unproductive way to spend your time and energy.

    2     Say your goal is to get up an hour earlier every day. One day you start setting your alarm for an hour earlier and you keep this up for one week. Then because you are naturally resistant to change, you go back to your old habit. A better way is to set your alarm one minute earlier every day. After two months you are getting up an hour earlier and you will not even notice the change.     3    

This approach can work for just about anything. If you are exercising for half an hour every day and you want to increase that time to one hour then add a minute every day. After one month you will have reached your goal with very little resistance from your body and mind.     4    

This method of change is gentle, but very powerful. Think of everything you can accomplish if you just continuously improve a little at a time. The change itself creates the momentum (动力) you need to keep going.     5     What one minute change can you make to your life today?

8 . Children are naturally curious beings, but getting them to study something they aren’t interested in can be a difficult task. Teachers often find themselves trying to reward in the _______ of stars or threat of punishment. But what if rewards and threats aren’t the _______?

Natural curiosity is sometimes referred to as “internal motivation”. Studies have found that children who see learning as _______ and important are better at it. And it’s easy to understand why — it’s difficult to study something we aren’t _______.

External motivation, things like rewards and punishment, does have its _______ too. Motives for achieving good grades or fear of being punished have been _______ to benefit older students. However, it seems that at an early age, it doesn’t have as much effect. So for this group, how can we stimulate that _______?

According to some experts, the key is to _______ some degree of freedom. Let the child see their learning as their _______ will. If you want to teach a child to read, let them choose which book they use. Whether it’s a comic book or classic literature — the aim of stimulating their desire for reading is still ________. Likewise, ________ a relationship with them as learners — listen to their negative feelings. Explain why an activity is valuable, even if it isn’t ________ fun.

So it seems that the most ________ way of motivating children, especially the young ones, might ________ stimulating that internal motivation. Maybe it’s time to release them from the reigns of threats and rewards, and give them a bit more ________ of how they learn.

9 . One morning, my four-year-old daughter and I were getting ready to leave the house when she suddenly yelled “Idiot!” right at me. As I processed the word, I noticed she was upset. Tears streamed down her face as she half whispered and half yelled “you are an IDIOT Mama.” Total silence followed as we looked at each other. We were staring at each other for so long, and I nearly forgot to breathe out, and in again. Idiot. How could my daughter call me an idiot?

There are many behaviors that really push parents’ buttons. Disrespectful, rude words tend to top the list. The wrong response to such rude remarks is often a serious warning. But I didn’t offer any serious remarks.

I realized that my daughter’s intention wasn’t to disrespect me. She was expressing the disconnection. And punishment doesn’t solve disconnection. It creates more of it. Her choice of word said it all. She was annoyed. She sensed the stress. I needed to hear her. I was being careless. I was the one being rude to her.

So, why punish our children when they need guidance? We must know the words we use matter, and become our children’s words too. The words include those we use to handle emotional overload. Idiot is a word I regretfully must admit to using when I’m extremely annoyed. Not at my children, but yes, they have heard me say it. So, instead of punishing my daughter for misbehavior, I chose to focus on her real message: Idiot means that “Mom, you are stressing me out!”.

No blame. No punishment for honest feelings. No criticizing her choice of words. Just focus on our relationship. I admitted my ignoring her, and we hugged and kissed each other. I walked into her play school with interest and was ready to see all her current projects.

Don’t be afraid to focus on your relationship, to show kindness, and to model forgiveness. Don’t be afraid to look beyond misbehavior, find the true message and trust the power of connection.