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Narrator Listen to a talk between two students. Now get ready to a
Narrator Listen to a talk between two students. Now get ready to a
游客
2024-01-04
54
管理
问题
Narrator
Listen to a talk between two students.
Now get ready to answer the questions. You may use your notes to help you answer. [br] According to the conversation, why should we save 3-6 months of monthly salary?
Student A Hi, Sam!
Student B Hello, Lisa! How’s everything going?
Student A Not bad. I’m just thinking about a question. Do you think people today do a good job of planning for financial emergencies?
Student B Well, I think most people want to have a secure future. Umm, however, the information they need, umm, to achieve financial security isn’t at their fingertips.
Student A What do you mean by this?
Student B Umm, okay, for example, well, they need to establish their goals, for instance, how much money do you need to live, what would be a basic amount that you need to survive?
Student A Yeah, that is worth thinking about.
Student B What’s more, they have to take other things into consideration like whether they want to pay for their children to go to college and which college they’re going to go to.
Student A And also they need to think about their parents.
Student B That’s true. Many people born during the baby boom are faced with having to care for a parent, which is an added expense and has to be considered in any future financial decisions.
Student A Then how much money do you think people need to save for themselves?
Student B Well, the thing is, you should have 3-6 months of monthly salary saved, so whatever your monthly salary is, you should have enough to pay your expenses for 3-6 months without any income.
Student A And then in addition to that, most of us need to plan for college, retirement, taking care of parents, etc.
Student B Uh-huh. And the kinds of things that arise unexpectedly, for example, like the water heater blowing up or the car not starting in the morning.
Student A So, what’s the biggest mistake people make?
Student B Well, they tend to live from paycheck to paycheck.
Student A Live from paycheck to paycheck?
Student B Yeah. I mean when something unexpectedly occurs, if they don’t have someone to help them, they just go deeper and deeper into debt, you fall farther and farther behind in your payments. Or, it gets so bad that you lose everything, like what has happened to many people who are forced into homelessness and are there because their debts became overwhelming.
Student A So, if you could give people one piece of advice to make their financial future more secure, what would you suggest?
Student B Younger people often spend every last cent that they earn. They live from paycheck to paycheck. After they pay their bills, they complain that there’s nothing left over to save. The best advice I can give is to say, "pay yourself first".
Student A I agree with you. The first thing is to "pay yourself".
Student B Surely. When you get your paycheck, save some portion of it, even just $10 a week. That’s giving up a movie, and one stop at a fast food restaurant. Let’s say you start with $ 3000, and you add $10 a week to that at a pretty reasonable rate of 13% a year. In 60 years you’ll have $ 5.6 million dollars. That’s pretty amazing, isn’t it?
Student A Yeah. That’s really a big amount! Well, you’ve really given me some great advice! Thanks a million!
Student B Ha! You’re welcome!
选项
A、It is a tradition among married couple.
B、It is the starting point for a fortune in the future.
C、It at least ensures survival for a short period of life if you are jobless.
D、It is an investment of no great importance.
答案
C
解析
本题为细节题,要求考生理解并记住听力材料中明确表述的细节和事实。大多数情况下,细节与主题思想紧密相关,多以举例、解释和阐述的方式来说明主题思想。题目问:为什么我们 应该把3~6个月的月薪存起来?若听到该句“…you should have 3-6 months of monthly salary saved, so whatever your monthly salary is, you should have enough to pay your expenses for 3-6 months without any income(你应该把3~6个月的月薪存起来,这样,不管你的月薪是多少,你都应该有足够的钱来支付3~6个月在没有收入的情况下的花费)”,则不难得出C为正确答案。
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