考研英语阅读理解中的文章，很多来自一些外刊杂志方面的题材。接下来，北京文都考研网为扩宽2020考研学子的知识面，整理了考研英语经济学人外刊:理财要从娃娃抓起 ，供考生参考。
2020考研英语经济学人外刊:理财要从娃娃抓起
New apps are teaching children how to manage their money
新应用正在教孩子们如何理财
Digital piggy banks help kids budget and save
数字存钱罐能帮助孩子们做预算以及存钱
In 2009 a group of parents in Lymington, an English coastal town, started sharing worries about their children’s money-management skills.
2009年，在英国海滨小镇利明顿，一群家长表达了他们对于子女们理财能力的担忧。
Pocket money was now stashed in a building society rather than a piggy bank; household shopping was done online; the children rarely saw their parents handling cash. They were spending online, too. Money had become intangible. How, then, were children to learn its value?
现在大家都把零花钱存在建房互助协会，而不是存在存钱罐里;家庭购物往往也是采取网购的方式了;孩子们很少能看到父母使用现金了，他们也会在网上购物了。金钱已经变成无形之物了。那么，孩子们该如何了解金钱的价值呢?(注：building society，建房互助协会，一种类似于银行的机构。)
The answer they came up with was GoHenry, an app now available in America as well as Britain. It is designed to help young people learn good financial habits through real-world money management.
家长们最终得出的答案是 GoHenry，一款目前已在美国和英国上线的应用。这款应用旨在通过现实生活中的理财活动来帮助年轻人培育良好的理财习惯。
Parents sign up with their own bank accounts and pay a monthly fee of £2.99 or $3.99 for each child aged six or over. Adults and children download separate versions. At the end of last year 379,000 children had active accounts.
父母们用自己的银行账户在应用中注册，每月为每个6岁或6岁以上的孩子支付2.99英镑或3.99美元的费用。家长和孩子们需各自下载不同版本的应用。截至去年年底，已有37.9万名儿童拥有该应用的活跃账户。
Parents can schedule pocket money and set chores. When those are marked as done, the child is paid the agreed amount. Parents can see what the child has bought and where. And they can choose where the card can be used: in shops, online or at ATMs.
父母可以(在应用中)安排零花钱和家务事。当这些家务事任务被标记为完成时，孩子就会获得约定金额的零花钱。父母们还能看到孩子买了什么以及在哪里购买。父母们还可以选择允许孩子刷卡的场景:商店、网店或自动取款机等。
Children get debit cards customised with their name (Henry was the first child to use one). They can put money in savings pots, view their spending and balances, and set savings targets.
孩子们可以用他们自己的名字定制借记卡(亨利是第一位使用定制借记卡的孩子)。他们可以把钱存入存钱罐，查看他们的支出和余额，还能设定储蓄目标。
“They could decide to save ten dollars for a sibling’s birthday in four weeks’ time, or set a goal at 12 to have $2,000 to buy a car at age 18,” says Dean Brauer, one of GoHenry’s founders. “The app tells them how much to save each week to meet their goal.”
迪恩·布劳尔(GoHenry 的创始人之一)说：“他们可以决定在四周的时间内为兄弟姐妹的生日攒下10美元，或者在12岁时设定一个目标，从而能够在18岁时攒下2000美元买一辆车。这款应用会告诉他们，想要实现目标，每周应该存下多少钱。”
Mr Brauer compares GoHenry to a fitness app, giving children feedback on their financial management and motivating them to spend better and save. It is just one of several money-management apps for parents and children; others include Osper, Nimbl and Pennybox.
布劳尔将 GoHenry 比作一款健身应用，它能够为孩子们提供有关财务管理方面的反馈，并激励他们更好地消费和存钱。它只是多款面向父母和孩子的理财应用中的一个;其他还包括 Osper、Nimbl 和 Pennybox。
All charge subscription fees, since they lack banking licences and cannot make money by lending out deposits. They fill a gap left by banks, which do not serve such young customers or offer accounts that give parents oversight of children’s spending.
所有这些应用都会收取服务费，因为它们没有银行执照，因此不能通过放贷来赚钱。但它们填补了银行留下的空缺，银行既不会为这些年幼的客户提供服务，也不会为父母们提供能够监管子女们支出的账户。
A big benefit of such apps is that they inspire family conversations about money. According to research done in 2013 by academics at Cambridge University, more than half of British parents find the subject hard to discuss with their children. And yet most agree that children’s attitudes to money are formed in their early years.
这类应用的一大好处是，它们激发了有关金钱的家庭对话。剑桥大学学者在2013年的一项研究发现，超过一半的英国父母认为很难就这个话题与孩子们进行讨论。然而，大多数人都认同，孩子们对金钱的态度是在他们的早年形成的。
Some GoHenry customers are well-off parents who worry that their children will grow up financially careless and entitled, says Mr Brauer. Others have slender means but regard the subscription as an investment in their child’s future.
布劳尔表示，GoHenry 的一部分客户是较为富裕的父母，他们担心自己的孩子长大后会在财务上粗心大意和自以为是。其他则是一些收入微薄的客户，但他们将此视为对孩子未来的一种投资。
Some say that they have been in debt and want their children to avoid that mistake when they grow up; others that the app is cost-effective because their children learn to budget. Even though young people no longer touch and hold money, they can still be taught to handle it well.
有些人说，他们已经负债累累了，但他们希望自己的孩子在长大后能避免再犯这种错误;其他人则认为，这款应用之所以划算，是因为他们的孩子学会了做预算。即使年轻人不再接触和拥有现金，他们仍能学会如何理好财。
[重难点词汇]
stash [stæʃ] n. 藏匿处;藏匿物 vt. 存放;贮藏 vi. 存放;藏起来
intangible [ɪn'tændʒəbl] adj. 无形的，触摸不到的;难以理解的
sibling ['sɪblɪŋ] n. 兄弟姊妹;民族成员
feedback ['fidbæk] n. 反馈;成果，资料;回复
subscription [səb'skrɪpʃən] n. 捐献;订阅;订金;签署
slender ['slɛndɚ] adj. 细长的;苗条的;微薄的
以上是北京文都考研网给出的“2020考研英语经济学人外刊:理财要从娃娃抓起 ”，希望对备考2020考研英语的考生有所帮助!祝2020考研顺利!
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