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学校教授学生理财技能

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小编摘要:在这个经济不稳定的时代,理解金钱问题是相当重要的。但是美国的教育系统在教授学生理财方面却有所欠缺。纽约,就有学校教授学生玩“Ne$t Egg ”游戏,从而获得一些理财技能。

 Students Play the Money Game

 

Most of the 13 New York City high school kids in this room have never thought about personal finance before.,but they are about to.They gathered around a table in an office at the City's Department of Youth and Community Development, dice at the ready, for a game called Ne$t Egg

That's Erin Kanter, head of marketing for Ne$t Egg, she acts as the banker during the game.Here's how it's played. The kids form small teams and each team acts as a financial advisor for a fictional young couple that wants to buy a home, set up a college fund for their child, and retire 30 years from now, debt free.

It's up to the players to help them build up their savings for the future - their 'nest egg'- and achieve those goals. A roll of the dice can bring a windfall or a disaster.

''You know stocks go up and down, bonds, money markets, they are all part of the game,'' says one of the game's inventors, Vladimir Fichtner, who is from the Czech Republic. He and some friends came up with the idea for Ne$t Egg in the 1990s. After decades under Communism, when the state took care of everything and there were no stock or bond markets, Czech citizens were suddenly grappling with how to handle their own finances. Today, Ne$t Egg is played in hundreds of schools in the Czech Republic and by trainee bankers at the country's largest bank.

In New York, the Department of Youth and Community Development is experimenting with the game. If today's pilot goes well, Ne$t Egg could be played in after-school community centers and possibly in high schools later on.'

The department's Luis Osorio says the kids who hang out at community centers tend to come from poorer families and really need financial coaching. ''Kids don't sit down and say, 'Dad, how much do you make? Do we have insurance, do we have investments?'''

Osorio and his colleagues say poor money management is at least part of the reason for this sobering statistic: 40 percent of New York City public school graduates who go on to one of the city's colleges drop out within two years.

Ne$t Egg has already been introduced into the high school curriculum 3,000 kilometers away in Corpus Christi, Texas. Carol Loeb teaches economics at King High School and says it used to be hard to get her students to grasp concepts they had no experience with. But that all changed with Ne$t Egg. She recalls one student who was failing when his class started playing the game.

"That was the first time the whole semester this kid had come alive," Loeb says. "He could not wait to get in the classroom. He came in and told me what he had thought about the night before, what he wanted to do, what he wanted to invest in, and he was totally, totally engaged."

Brendis Gonzalez and her teammates wanted to make $300,000 for their fictional couple's retirement. They ended up with far less because they drew an accident card, and hadn't bought disability insurance. Their family went bankrupt and had to start from scratch.

Afterwards, Gonzalez says she learned from some of the big mistakes she made during the game. She'd like to use her newfound financial knowledge to help her widowed mother, a home health aide.

''I've seen how much money has been a problem and I never even thought that like bonds could help you or that you could invest to make like your own money grow,'' Gonzalez says.

She's never spoken to her mother about money, she says, but she's about to start.

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2011-10-22 16:58 编辑:pliny
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  • uttyh 说:

    Students Play the Money Game

    Most of the 13 New York City high school kids in this room have never thought about personal finance before.,but they are about to.They gathered around a table in an office at the City's Department of Youth and Community Development, dice at the ready, for a game called Ne$t Egg

    That's Erin Kanter, head of marketing for Ne$t Egg, she acts as the banker during the game.Here's how it's played. The kids form small teams and each team acts as a financial advisor for a fictional young couple that wants to buy a home, set up a college fund for their child, and retire 30 years from now, debt free.

    It's up to the players to help them build up their savings for the future - their 'nest egg'- and achieve those goals. A roll of the dice can bring a windfall or a disaster.

    ''You know stocks go up and down, bonds, money markets, they are all part of the game,'' says one of the game's inventors, Vladimir Fichtner, who is from the Czech Republic. He and some friends came up with the idea for Ne$t Egg in the 1990s. After decades under Communism, when the state took care of everything and there were no stock or bond markets, Czech citizens were suddenly grappling with how to handle their own finances. Today, Ne$t Egg is played in hundreds of schools in the Czech Republic and by trainee bankers at the country's largest bank.

    In New York, the Department of Youth and Community Development is experimenting with the game. If today's pilot goes well, Ne$t Egg could be played in after-school community centers and possibly in high schools later on.'

    The department's Luis Osorio says the kids who hang out at community centers tend to come from poorer families and really need financial coaching. ''Kids don't sit down and say, 'Dad, how much do you make? Do we have insurance, do we have investments?'''

    Osorio and his colleagues say poor money management is at least part of the reason for this sobering statistic: 40 percent of New York City public school graduates who go on to one of the city's colleges drop out within two years.

    Ne$t Egg has already been introduced into the high school curriculum 3,000 kilometers away in Corpus Christi, Texas. Carol Loeb teaches economics at King High School and says it used to be hard to get her students to grasp concepts they had no experience with. But that all changed with Ne$t Egg. She recalls one student who was failing when his class started playing the game.

    "That was the first time the whole semester this kid had come alive," Loeb says. "He could not wait to get in the classroom. He came in and told me what he had thought about the night before, what he wanted to do, what he wanted to invest in, and he was totally, totally engaged."

    Brendis Gonzalez and her teammates wanted to make $300,000 for their fictional couple's retirement. They ended up with far less because they drew an accident card, and hadn't bought disability insurance. Their family went bankrupt and had to start from scratch.

    Afterwards, Gonzalez says she learned from some of the big mistakes she made during the game. She'd like to use her newfound financial knowledge to help her widowed mother, a home health aide.

    ''I've seen how much money has been a problem and I never even thought that like bonds could help you or that you could invest to make like your own money grow,'' Gonzalez says.

    She's never spoken to her mother about money, she says, but she's about to start.

    2011-10-23 10:06 回复 支持(0) 反对(0) 沙发
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