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  3. The First Rule of Finance is to live within your means by spending no more than 80% of your take-home pay. If you take home $100

The First Rule of Finance is to live within your means by spending no more than 80% of your take-home pay. If you take home $100

admin2012-07-11  1
问题     The First Rule of Finance is to live within your means by spending no more than 80% of your take-home pay. If you take home $100 per week, spend no more than $80.
    From this simple rule, all else falls into place. If you don’t spend more than 80% of your income, you won’t get into trouble. You won’t allow house payments, car payments, insurance payments, and shopping charges to exceed your 80% threshold. You may not be Einstein, but you can manage this concept, right?
    But ever look at what people spend their money on? I have relatives and friends chronically in debt, spending $12 for every $10 they earn instead of the $8 you know they should be spending. When I see them, they’re proud of their new whatever. "What do you think of my new truck?" asked one from the driver’s seat. "Do you like my new shoes?" asked another on stiletto heels. "Check out my new big screen," said a third while holding the remote in his living room. We’ve all heard people fishing for compliments on their new toys.
    Every one of them was proud of what they’d financed. They seem to have bought it for the purpose of being proud, of showing off, of keeping up with the Joneses. "Look at my new..." is everybody’s favorite phrase, even when the object in question isn’t theirs at all and won’t be new when they’ve finally paid for it, if they ever do.
    They’re proud of being stupid. They think it’s cool to drive the financed car, wear the financed shoes, and watch the financed TV, but to smart people, whose opinions are the only ones we should respect, these people look dumb as rocks.
    The Joneses, nine times out of 10, are financially stupid. That’s why they have all that stuff, on borrowed money. Why try to copy them? Worse, why try to impress them? Copy and impress smart people, the ones who own their stuff. If you want to impress smart people, debt is the last way to go about it. Trying to impress a money-smart person by going into debt is like trying to impress Olympic swimming champion Michael Phelps by drowning in a pool, or golf pro Tiger Woods by driving your ball through the windshield of a parked car. Michael Phelps is impressed by good swimming, Tiger Woods by good golfing, and a money-smart person by good money management.
What does the author mean by ".. .the object in question isn’t theirs" (Line 3, Para. 4)?
选项 A、It is bought for other people.
B、It is bought with loaned money.
C、It will finally be owned by the bank.
D、It belongs to the buyers in the ends.
答案B
解析 第四段提到，“看我的新…”是每个人都喜欢的短语，即使当谈论的物品根本就不是他们的时候，即使当他们最终为它付清费用时，这些东西已不再是新的，由此可知，作者这样说的言外之意就是这些所谓的“新”物品是他们贷款购买的，严格意义上现在这些东西还不是他们的，故答案为[B]。由Look at my new…可知，这些东西是他们为自己买的，故排除[A]；[C]在文中未提及，故排除；[D]是针对they’ve finally paid for it，if they ever do设的干扰项。
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