2. 外语
  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  46
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 is the author’s purpose in writing this passage?
选项 A、To show sympathy with poor consumers.
B、To criticize consumption of luxuries.
C、To advise people to become money-smart.
D、To persuade people to keep off fashions.
答案C
解析 本文首先说明理财的规则：量入为出，然后举了亲戚朋友的例子说明很多人喜欢贷款买东西，并指出他们这样做的原因，最后通过分析他们这样做的不明智来说明自己对该做法的不支持。由此可见，作者写这篇文章主要是为了劝告人们要合理用钱，故答案为[C]。
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