二、阅读理解
It is important to teach kids the life skill of budgeting (做预算). The 50/30/20 rule is a great way to teach them how to manage their money well.
50% to Needs: Needs are what you can’t live without. They are things like food, drinks, clothes, houses to live in, etc.
30% to Wants: Wants are what you want to have for fun. You can do without Wants even if it’s not comfortable to do so. For example, you spend money eating out at an expensive restaurant, taking holidays, or shopping for new and expensive clothes in fashion.
20% to Savings (存款): The last 20% goes to the future. This is important because it helps you plan for things in the future, such as your college (大学) education, your dreams, or even your life when you get older. Remember to always save a little bit of your money for the future!
That’s the 50/30/20 rule for budgeting. Start talking with kids about it early. When they understand the 50/30/20 rule, ask them to have some fun with it.
(
) 1. How much of your money should go to Needs, according to the passage?
A. 10%. B. 30%. C. 40%. D. 50%.
(
) 2. How may you feel without Wants?
A. Happy. B. Uncomfortable. C. Excited. D. Tired.
(
) 3. Which can you spend your Savings on?
A. Future education. B. The use of water every month.
C. Holidays. D. Expensive clothes.
(
) 4. Which is the best title for the passage?
A. Life skills for kids B. Needs and wants
C. The 50/30/20 budget rule D. Change your lifestyle
解析:
1. 细节理解题,根据文中第二段第一句"50% to Needs"可知,按照文章内容,50%的钱应当分配到生活必需品的开销中,对应选项D。
2. 细节理解题,根据文中第三段"You can do without Wants even if it’s not comfortable to do so"可知,即便没有非必需的享乐类开销你也可以维持生活,但过程会让人觉得不舒服,not comfortable和uncomfortable含义一致,对应选项B。
3. 细节理解题,根据文中第四段"This is important because it helps you plan for things in the future, such as your college (大学) education, your dreams, or even your life when you get older"可知,存款可以用于未来的教育支出;其余选项里每月水费属于生活必需品开销、度假和购买昂贵服饰属于享乐类非必需开销,都不属于存款的使用范畴,对应选项A。
4. 主旨大意题,全文围绕教孩子做预算的50/30/20规则展开,分别介绍了该规则三个部分的分配比例和具体用途,因此最贴合全文内容的标题是"The 50/30/20 budget rule",对应选项C。