7.W.2:Write Informative/Explanatory Texts

A student is writing an explanatory essay about how to make good financial decisions. Read an excerpt from the essay and answer the questions.

Pay yourself first. Many people get into the habit of saving or investing by following this advice: “Pay yourself first.” Many people find it easier to pay themselves first if they allow their bank to automatically remove money from their paycheck and deposit it into a savings or investment account. Other people pay themselves first by having money automatically deposited into an employer-sponsored retirement savings account, such as a 401(k).

1. How does the author convey her ideas?

  1. First she tells what to do, and then she tells how to do it.
  2. First she tells what to do, and then she tells whyto do it.
  3. She presents an argument and then a counterargument.
  4. She presents as argument and then gives reasons to support it.

2. Which sentence would be relevant to the excerpt?

  1. Another option would be to clip coupons in order to save 50% on your groceries.
  2. You should never spend more money than you are making.
  3. You should always talk with a financial planner before you open a savings account.
  4. Another option would be to set aside a small amount of cash every month and keep it in a personal safe.

3. Which paragraph would most likely come next in the essay?

  1. A paragraph explaining the best way to save money on phone and cable bills.
  2. A paragraph explaining how to open a savings account.
  3. A paragraph explaining the best way to talk to your family about saving money.
  4. A paragraph explaining how a 401(k) works.

A student is writing an explanatory essay about how to make good financial decisions. Read an excerpt form the essay and answer the questions.

Avoid credit card debt. Many adults-and plenty of students-have wallets filled with credit cards, some of which they’ve “maxed out” (meaning they’ve spent up to their credit limit). Credit cards can make it seem easy to buy expensive things when you don’t have the cash in your pocket-or in the bank. But credit cards aren’t free money.

Most credit cards charge high interest rates—as much as 18 percent or more—if you don’t pay off your balance in full each month. If you owe money on your credit cards, the wisest thing you can do is pay off the balance in full as quickly as possible. Few investments will give you the high returns you’ll need to keep pace with an 18 percent interest charge. That’s why you’re better off reducing your credit card debt.

4. Why did the author use bold text at the beginning of the paragraph?

  1. to introduce an idea
  2. to emphasize an idea
  3. to give a definition
  4. to give her point of view

5. Which sentence would be relevant to this paragraph?

  1. You should think of credit cards as a way to buy a special treat for yourself, even if you don't have the money.
  2. Credit cards come in many flashy designs.
  3. Instead of charging something to a credit card, ask yourself if you really need the item.
  4. Credit cards are mostly used by young people.