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1、托福写作话题分析：个人理财 要成为财务上负责任的个人，人们应当在年轻时学会如何理财，你同意这个观点吗，今日我就给大家带来托福写作话题分析：个人理财。 托福独立写作之理财性话题 话题分类：理财性话题 考题回忆： If your friend wants to reduce living expenses, what of the following would you suggest? 1. find a roommate to share the living expense 2. buy technological devices (i.e. cell phones) less freque
2、ntly 3. buy less expensive food and cook at home. 解题思路： Find a roommate to share the living expense can save rent/ utilities (a fairly large portion of living expense in large cities) Buy technological devices (i.e. cell phones) less frequently no one buys these things really frequently, normally on
3、ce or twice a year wont be effective Buy less expensive food and cook at home too busy working ? no time for cooking at home; cooking by oneself does not necessarily save a lot 参考范文： City dwellers often complain about the high living expense these days. Normally, if they want to reduce their living
4、cost, they can find a roommate, make fewer major purchases or cook at home. Although all these approaches can save money to some extent, the best way is to find a roommate to share the cost. By finding a roommate, one can immediately cut his or her living expense by a considerable portion. This is b
5、ecause rent and utilities now comprise a major part in the monthly expense for anyone living in a major city. With the influx of so many young people, the rent in large cities is now skyrocketing to record high. Take Shanghai as an example. A two-bedroom apartment in an average community can cost mo
6、re than 5000 yuan per month. If shared with a roommate, one can immediately save 2500 yuan, which translates into a saving of at least 30000 yuan a year, a saving so great that it can hardly be achieved by resorting to the other two methods. Meanwhile, the utilities can also see a significant declin
7、e. After all, air-conditioners and fridges use virtually the same amount of electricity no matter how many people live in an apartment. Buying fewer technological devices, on the other hand, it not as effective. One reason is that technological devices are getting cheaper, taking up an ever smaller
8、proportion in the monthly expense. Another reason is that, compared with paying for rent and food, people make major purchases such as cell phones or laptops much less frequently. Even if a person really wants to stay in fashion by using the latest cell phone, he or she only has to buy a new one onc
9、e a year. This could easily be saved by sharing the aforementioned apartment with a roommate for two or three months. Delaying the purchase, however, could either be a heavy blow on the ego, or on efficiency, as many people now rely on smartphones and laptops to finish a lot of tasks. Cooking at hom
10、e is also an ineffective approach because young people these days can hardly squeeze time to cook after a whole days work. As we know, cooking at home can be a time-consuming task, as it involves buying meat and vegetable, followed by washing, cutting and cooking. Normally, this task may take up to
11、two hours every day. The truth is, with so many hours spent on the road or working overtime in the company, young employees tend to arrive at home at 7 p.m. or later. It would be impossible for them to wait another two hours before tucking into a delicious meal. Also, cooking by oneself does not nec
12、essarily save money since one tends to buy more than he or she can consume, leading to a waste of money. In conclusion, the best way to reduce the monthly cost is to find a roommate to share the rent and utilities, rather than trying to economize on technological devices or food. 托福独立写作真题范文：从小学会理财才能
13、经济独立 考题出现时间：2009-5-9CN,2009-5-9NA，2022-1-15NA 题目：Do you agree or disagree with the following statement: To become financially responsible individuals, people should be taught how to manage money at a young age. 答题思路： 观点：I agree with the statement: to become financially responsible individuals, peopl
14、e should be taught how to manage money at a young age. 论点1(支持)：We all know that how important to be a financially responsible individual is, because this is related to the quality of our life. 论点2(支持)：The habits we develop when we are young will have a great influence on the life and work afterwards
15、. 论点3(支持)：Another benefit for children to manage money at a young age is that they will learn the difficulties their parents raise them. 托福独立写作真题范文：从小学会理财才能经济独立参考范文： I agree with the statement: to become financially responsible individuals, people should be taught how to manage money at a young age.
16、 To illustrate the statement, here are three reasons. To begin with, as everyone knows, managing money is not an easy and comfortable job. It is a long time work. And also, we all know that how important to be a financially responsible individual is, because this is related to the quality of our lif
17、e. Therefore, we should try our best to become financially responsible individuals. Do we become this kind of persons if we say we are? Of course not, we should be trained. It is the most effective way to teach us the knowledge when we are young, managing money is not an easy and comfortable job Mor
18、eover, the habits we develop when we are young will have a great influence on the life and work afterwards. Bill Gates, who is one of the wealthy men in the world, said that he would let his children manage their money from their early age. The ways of thinking and ways of behavior lay the foundatio
19、n of our whole life. Learning how to manage money at a young age will inevitably benefit our future. This period of time is also a good time for us to learn, to grasp more knowledge. So, the training of managing money should start from the childhood or the young stage. Another benefit for children t
20、o manage money at a young age is that they will learn the difficulties their parents raise them. With the development of economy, children can almost get anything they want. They dont know how precious their life is. The consequence of this is that they dont know to show their thanks to their parent
21、s. Managing money will help them know they should be thankful to parents and express their love to their parents. Managing money seems a thing of little importance, but it can help a family become more and more warm and united. To conclude, it is very important to teach children managing money at a
22、young stage. This will help children to be a financially responsible individual in the future and also help families to be more united. 托福培训丨托福写作抽象类话题怎么破系列之：金钱话题 关于金钱(money)的话题： 1). Do you agree or disagree with the following statement? People who do not have to work because they have enough money a
23、re barely happy.(抽象类，欢乐与钱)2007.11.3 因为有许多钱，所以不用工作的人们，很少有快乐的。 2). Do you agree or disagree with the following statement? The main purpose for people who have jobs is for money rather than social status.(抽象类，钱与地位)2022.5.26 人们工作的主要目的是为了挣钱而不是为了社会地位。 3). Do you agree or disagree with the following statem
24、ent? Teachers should be paid according to what their students perform.(老师)(学生)(钱)2007.10.28 & 2009.8.8 老师应当依据学生的表现获得酬劳。 4). Do you agree or disagree with the following statement? To improve the quality of education, universities should spend more money on professors salaries.(老师)(钱)2022.11.13 &a
25、mp; 2022.8.17 (类似考题：Do you agree or disagree with the following statement? The best way to improve the quality of education in a country is to increase teachers salaries. (111210CNW2=090403NAW2) 为了增加教化质量，高校应当花更多钱在教授的工资上。) 5). A high school has decided that all students must take a class in which the
26、y learn a practical skill. School administrators are trying to decide whether to hold a class in cooking, managing personal finances or auto repair. Which do you think the school should require students to take? Why? 中学确定给全部学生开设一门培育实际技能的课程，学校的管理者在这三者之中纠结：开设厨艺课?开设个人理财课?还是开设汽车修理课?你认为哪个最合适?为什么? 6). Do
27、you agree or disagree with the following statement? Parents should give money to the school-children for their high marks they get in exams.(家长)(孩子)2009.11.21 家长应当给孩子钱作为考试高分嘉奖。 7). Do you agree or disagree with the following statement? To become financially responsible adults, children should learn
28、to manage money at a very young age.(孩子)(钱)2009.5.9 要成为有财政责任的成年人，孩子在很小的年龄就应当学会理财。 8). Do you agree or disagree with the following statement? To achieve successful development of a country, a government should focus its budgets more on young childrens education rather than on universities.(孩子)(高校)200
29、9.11.7 & 2022.8.25 一个国家要想胜利发展，政府的预算应当集中在年轻孩子教化的培育上而不是高校上。 9). Do you agree or disagree with the following statement? People should pay to use public transportation. 2007.12.1 人们应当付钱去运用公共交通工具。 10). Do you agree or disagree with the following statement: The government should spend more money on im
30、proving access to the Internet than on the public transportation. (Government) 2008.5.16 政府应当花钱在改善网络覆盖率还是花钱在公共交通工具上。 11). Do you agree or disagree with the following statement? Drivers should pay a fee for driving in busy city streets when traffic is in a great amount.(社会类，社会规则)2007.1.14 司机应当在繁忙的城市街
31、道上行驶的时候多交一部分费用。 12). Do you agree or disagree with the following statement? It is better to spend money traveling and vacation instead of saving it in the bank for future.(社会类，旅游)2007.10.21 (类似考题：In your opinion, which one is better? To spend money on something that lasts for a long time, such as va
32、luable jewelry, or spend your money on short term pleasure such as vacation?(抽象类，价值观)2007.5.18 在你的想法中，花钱在持续时间很长的东西(如宝贵的珠宝)上，还是花钱在刚好行乐(如度假)上。) 13). Do you agree or disagree with the following statement: Universities should spend more money in buying facilities than hiring famous professors. 2022.8.17
33、 高校应当花钱在购买设备方面还是应当花钱在雇用出名的教授方面。 14). Do you agree or disagree with the following statement? Advertisement is a waste of time and money, because customers already know what they want.(社会类，媒体)2007.12.8 广告是很奢侈金钱和时间的行为，因为客人已经知道他们想要的是什么了。 15). Do you agree or disagree with the following statement? It is
34、more important for the government to spend money on art museums and concert halls than on recreational facilities such as swimming pools and playgrounds.(社会类，政府)2009.9.19 政府应当花钱在艺术馆和音乐厅上面，而不是消遣设施(如游泳池或游乐场)方面。 16). Do you agree or disagree with the following statement? More and more people are spendi
35、ng money on their pets, even though there can be other good ways to spend money.(环境类，动物)2022.8.13 越来越多的人花钱在他们的宠物上，即使有更多好的方式花钱。 以上总结出来关于金钱的话题大体可以分成3种类型，第一类话题：的确是比较抽象的话题，比如说钱和华蜜感，钱与社会地位(1-2题)，这类话题中的钱是个比较模糊的概念，很大。其次类话题：牵扯到许多详细的小话题，如老师的工资问题(salary)，个人理财问题(personal finance)，钱作为嘉奖孩子学习成果问题(reward)，以及人们应不应当
36、付费运用交通工具问题(pay for public transportation)，这些话题详细并且和钱休戚相关。第三类话题：是政府应不应当花钱在这方面或者那方面，人们要不要花钱在这方面或那方面，主要针对艺术，体育设施，旅游等消费上，这类话题，其实和钱关系不是太大，只是想通过钱来表现哪个方面更重要，但是同学们也不应当忽视这些方面是不是须要钱来资助这个逆向思维。但是总体来说托福考试与钱相关考的东西还是比较多的，下面我们来具体分析一下这三类问题如何突破。 第一类：关于钱的抽象类话题 这个在系列文章一关于钱和华蜜感(happiness)以及系列文章二关于钱与社会地位(social status)的问
37、题上都给大家简洁分析过，钱与华蜜感的关系特别小，主要集中在钱能带来基本的、表面的物质需求和欢乐：External, momentary pleasure (tasty food, warm baths, etc.) People with enough money to make ends meet are happier than people who are poor, but beyond that more money doesnt make much difference. 华蜜感不仅仅来源于外在的快感，如好吃的食物，暖和的淋浴，更多的来源于具有挑战性的活动，社交生活或者人际关系，有
38、意义的生活，以及获得胜利之后的成就感。钱与社会地位什么更重要当然也是社会地位，因为社会地位的意义更加广泛，而钱有太多的限制性。这些在之前都给大家分析过，在此不在赘述。 其次类：牵扯到许多详细的小话题 其次类话题牵扯到许多小话题，如老师的工资问题(salary)，个人理财问题(personal finance)，钱作为嘉奖孩子努力学习问题(reward)，人们应不应当付费运用公共交通工具问题(pay for public transportation)，以及驾驶车的人是否应当在繁忙的街道多付费用问题(driver should pay additional fee in busy street)
39、，我们来看看老外对这几个方面是如何理解的。 1. 老师的工资salary问题： 老师工资的问题托福一般有两个常见考题：1). 老师工资要不要和学生的表现挂钩。2). 高校应当花钱提高老师工资来提高教学质量。对于这些题目大家可能须要对国外的老师工资状况略知一二，这样比较简单写到老外心坎上去，假如根据中国老师的现状想当然来写，不肯定符合老外的国情，也可能导致老外看不太懂，或者觉得我们劝服力不够强。 首先我们来观赏一下美国老师的平均工资水平(Average teacher salaries)，各个州是不一样的，这些数据可以作为开头段引入或中间论证运用，看起来还是特别本土高大上的。 Californi
40、a had the nation's highest average salary in 2002-03, at $55,693. States joining California in the top tier(在最高等级) were Michigan, at $54,020; Connecticut, at $53,962; New Jersey, at $53,872; and the District of Columbia, at $53,194. South Dakota had the lowest average salary in 2002-03, at $32,4
41、14. The other states in the bottom tier were Montana, at $35,754; Mississippi, at $35,135; North Dakota, at $33,869; and Oklahoma, at $33,277. Also in the lowest tier were the Virgin Islands, at $34,764; Guam at $34,738; and Puerto Rico, at $22,164. 假如想对比其他职业的工资如，医生(physician/doctor)，律师(lawyer)工资，可以
42、参考以下图表; Physicians / Doctors Median Salary by Job: Job National Salary Data Physician / Doctor, Internal Medicine $172,579 Family Physician / Doctor $162,867 Physician / Doctor, General Practice $141,076 Physician / Doctor, Emergency Room (ER) $210,400 Physician / Doctor, Radiologist $285,984 Physic
43、ian / Doctor, Neurologist $200,233 Physician / Doctor, Oncologist $245,010 Attorney / Lawyer Salary (United States) The average pay for an Attorney / Lawyer is $76,789 per year. Experience has a moderate effect on salary for this job. National Salary Data Salary $45,769 - $149,455 Bonus $0.00 - $23,
44、058 Profit Sharing $969 - $30,195 Commission $0.00 - $36,241 Total Pay $46,555 - $170,988 很明显，在美国老师的工资对比医生和律师是不高的，以下有一段干脆点明白这一点： According to a 2006 study done by the National Education Association, 50% of teachers leave the profession within five years because of poor working conditions and low sal
45、aries. 除了国外老师的工资背景须要知道以外，还须要了解老师这个行业的福利条件，这样写作的时候思路就会相对较广，比如针对第4题托福写作考题，有时候不提高工资，提高福利也可以刺激到老师提高教学质量，如以下这一段： Teachers contracts may include long-term disability insurance(长期伤残保险), life insurance(人寿保险), and emergency/personal leave(应急事物/事假) and investment options(投资的选择). Many teachers take advantage o
46、f the opportunity to increase their income by supervising after-school programs and other extracurricular activities(课外活动). In addition to monetary compensation(财政补偿), public school teachers may also enjoy greater benefits (like health insurance健康险) compared to other occupations(职业). Merit pay syste
47、ms(绩效工资制度) are on the rise for teachers, paying teachers extra money based on excellent classroom evaluations, high test scores and for high success at their overall school. Also, with the advent of the internet, many teachers are now selling their lesson plans to other teachers through the web in order to earn supplemental income, most notably on http:/TeachersPayT 以上这段维基百科中对老师的描述中有一些词组和词汇意群可以供大家运用及参考