Section outline

  • General

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  • 第5股:基本谅解、词汇和目标

    Unit 5 - Basic Understandings
    ::第5股 - 基本谅解

    • Financial institutions offer a variety of accounts to facilitate money management.
      ::金融机构提供各种账户,以促进资金管理。
    • Budgeting is an important money management tool and investing is fundamental for wealth accumulation.
      ::预算编制是一个重要的资金管理工具,投资对于财富积累至关重要。
    • There are costs and benefits to using credit and borrowing money.
      ::使用信贷和借款是有成本和好处的。
    • Purchasing a home is an important financial decision.
      ::购买住房是一项重要的财政决定。
    • Planning for the costs of post-secondary education is necessary.
      ::中学后教育费用的规划是必要的。

     

    Unit 5 - Vocabulary
    ::5单元 - 词汇

    investment - providing money or capital to an enterprise with the expectation of making a financial gain
    ::- 向企业提供金钱或资本,期望获得资金收益

    compound interest - interest which is calculated on the initial principle and on the accumulated interest
    ::复利利息 -- -- 根据最初原则和累计利息计算的利息

    credit score - a number based on an individual's credit history that indicates how much of a credit risk he or she may be
    ::信用分数 - 基于个人信用历史的数值,该数字表明他或她可能面临多大的信用风险

    risk/return relationship - the relationship between the risk of an investment and the expected return of the investment
    ::风险/回报关系----投资风险与投资预期回报之间的关系

    open end credit - a line of credit that can be used repeatedly, within an established borrowing limit
    ::开放式最终信贷 -- -- 可在规定的借款限额内反复使用的信贷额度

    closed end credit - a loan for a set amount that requires regular payments at certain intervals
    ::封闭后最后信贷 -- -- 贷款,固定数额,要求定期定期付款的贷款,定期定期支付

    secured loans - a loan that is obtained by offering an asset as collateral to ensure repayment of the loan
    ::附担保贷款 -- -- 通过提供资产作为担保品以确保偿还贷款而获得的贷款

    unsecured loans - a loan that is obtained without he use of collateral
    ::无担保贷款 -- -- 不使用抵押品而获得的贷款

    budget - an itemized plan of income and expenses for a given period of time
    ::预算 -- -- 特定时期的逐项收支计划

     

    Unit 5 - Related Vocabulary
    ::第5股 - 相关词汇表

    • diversification
      ::多样化多样化
    • income
      ::收入收入收入
    • expenditure
      ::支出支出支出
    • debt
      ::负债债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国 债务国
    • grants
      ::赠款赠款赠款赠款赠款
    • bankruptcy
      ::破产破产
    • dividend
      ::股股红利
    • collateral
      ::抵押担保品

     Planning for High School Students
    ::高中学生规划

    Unit 5 TEKS
    ::5 单位 5 TEKS

    (16) Personal Financial Literacy. The student understands the role of financial markets/institutions in saving, borrowing, and capital formation. The student is expected to:
    :sad16) 个人金融知识:学生了解金融市场/机构在储蓄、借贷和资本形成方面的作用。

    (A) explain the functions of financial institutions and how they affect households and businesses;
    :sadA) 解释金融机构的职能及其对家庭和企业的影响;

    (B) explain how the amount of savings in an economy is the basis of capital formation;
    :sadB) 解释一个经济体的储蓄额如何成为资本形成的基础;

    (C) analyze the role of interest and risk in allocating savings to its most productive use; and
    :sadC) 分析利息和风险在将储蓄用于最生产性用途方面的作用;以及

    (D) examine the types of accounts available to consumers from financial institutions and the risks, monetary costs, and benefits of maintaining these accounts.
    :sadD) 审查金融机构向消费者提供的账户类型以及维持这些账户的风险、货币成本和利益。

    (17) Personal Financial Literacy. The student understands the role of individuals in financial markets. The student is expected to:
    :sad17) 个人金融知识:学生了解个人在金融市场中的作用。

    (A) asses ways to be a wise investor in the stock market and in other personal investment options such as developing a personal retirement plan;
    :sadA) 评估如何成为股票市场和其他个人投资选择(如制定个人退休计划)的明智投资者;

    (B) explain how to begin a savings program;
    :sadB) 解释如何启动储蓄方案;

    (C) demonstrate how to maintain a checking account, including reconciling a bank statement;
    :sadC) 说明如何维持支票账户,包括核对银行对账单;

    (D) identify the types of loans available to consumers;
    :sadD) 确定消费者可获得的贷款类型;

    (E) explain the responsibilities and obligations of borrowing money; and
    :sadE) 解释借款的责任和义务;

    (F) develop strategies to become a low-risk borrower by improving and understanding one's personal credit score.
    :sadF) 制定战略,通过改进和了解个人信用分数,成为低风险借款人。

    (18) Personal Financial Literacy. The student applies critical-thinking skills to analyze the costs and benefits of personal financial decisions. The student is expected to:
    :sad18) 个人金融知识:学生运用批判性思维技能分析个人经济决策的成本和效益。

    (A) examine ways to avoid and eliminate credit card debt;
    :sadA) 审查如何避免和消除信用卡债务;

    (B) evaluate the costs and benefits of declaring personal bankruptcy;
    :sadB) 评价宣布个人破产的成本效益;

    (C) evaluate the costs and benefits of buys insurance; and
    :sadC) 评价购买保险的成本效益;以及

    (D) evaluate the costs and benefits of charitable giving.
    :sadD) 评价慈善捐赠的成本和收益。

    (19) Personal Financial Literacy. The student understands how to provide for basic needs while living within a budget. The student is expected to:
    :sad19) 个人财务知识:学生懂得如何在预算范围内生活时满足基本需求。

    (A) evaluate the costs and benefits of renting a home versus buying a home; and
    :sadA) 评估租房与买房之间的成本和效益;以及

    (B) assess the financial aspects of making the transition from renting to home ownership.
    :sadB) 评估从租房向住房所有权过渡的财务方面。

    (20) Personal Financial Literacy. The student understands the various methods available to pay for college and other post-secondary education and training. The student is expected to:
    :sad20) 个人财务知识:学生了解支付大学和其他中学后教育和培训费用的各种可用方法。

    (A) understand how to complete the Free Application for Federal Student Aid (FAFSA) provided by the United States Department of Education;
    :sadA) 了解如何完成美国教育部免费提供的联邦学生援助申请;

    (B) research and evaluate various scholarship opportunities such as those from state governments, schools, employers, individuals, private companies, nonprofits, and professional organizations;
    :sadB) 研究和评估各种奖学金机会,例如来自州政府、学校、雇主、个人、私营公司、非营利组织和专业组织的奖学金机会;

    (C) analyze and compare student grant options;
    :sadC) 分析和比较学生补助金选择;

    (D) analyze and compare student loan options, including private and federal loans; and
    :sadD) 分析和比较学生贷款选择,包括私人和联邦贷款;以及

    (E) research and evaluate various work-study program opportunities.
    :sadE) 研究和评估各种工作研究方案的机会。