2024人教版高中英语必修第三册同步练习题--UNIT 5 Part 1 Listening and Speaking & Reading and Thinking（答案与解析）
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| 名称 | 2024人教版高中英语必修第三册同步练习题--UNIT 5 Part 1 Listening and Speaking & Reading and Thinking（答案与解析） |  | |
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2024人教版高中英语必修第三册同步
UNIT 5 THE VALUE OF MONEY
Part 1 Listening and Speaking & Reading and Thinking
基础过关练
Ⅰ.一词多义
1.Whenever I meet some trouble, I want to go to a quiet spot and find a solution.
词性: 词义:
2.I remember she wore a black skirt with white spots yesterday. 词性: 词义:
3.My neighbours spotted smoke coming out of the house and immediately called the police.
词性: 词义:
Ⅱ.单句语法填空
1.Let's make bet on the football match. I think Class One will win.
2.She's making an (apologize) to her teacher for coming to school late yesterday.
3.We trade with people in all countries the basis of equality and mutual(相互的) benefit.
4.It is an unpopular decision to postpone (build) the new hospital.
5.As we all know, educating children is not an easy thing, which requires a lot of (patient).
6.Lily's mother didn't understand why Lily cried. She was still (ignore) of what had happened.
7.Firefighters will remain the scene to ensure that the fire won't start up again.
8.My brother appears to be strong and healthy. However, as matter of fact, he suffers from a very weak heart.
9.BMI is an internationally recognized measurement tool that gives an (indicate) of whether someone maintains a healthy weight.
10.It is his encouragement makes me believe that everything is possible.
Ⅲ.选词填空
in return; by accident; to be honest; ought to
1. , young people should do something meaningful. They 2. work hard and master enough knowledge. They should respect and be grateful to their parents 3. for their love. If they make mistakes 4. , they should be brave to admit them.
Ⅳ.完成句子
1.我正要离开,这时电话响了。
I when the telephone rang.
2.这些无家可归的人非常善良并且友好,那就是为什么他决心帮助他们。
These homeless people were very kind and friendly. he was determined to help them.
3.从他忧心忡忡的表情判断,他一定遇到了一些麻烦。(judge)
his worried face, he some trouble.
4.当他知道她没有到达的时候,他感到很难掩饰自己内心的沮丧。(find+形式宾语it+宾语补足语+真正的宾语)
He his inner disappointment when he knew she didn't arrive. (读后续写—心理描写)
能力提升练
Ⅰ.课文语法填空
The two gentlemen had been arguing for a couple of 1 (day), and had decided to make 2 bet which would settle their 3 (argue). They were going to find someone to take part in their bet when they saw Henry walking on the street outside. They invited him into their house, where Henry told them he 4 (land) in Britain by accident. Although he had gone to the American consulate 5 (seek) help, he had not received any. Henry hoped that the brothers would offer 6 (he)some sort of work because he had no money. Henry got upset with the brothers when they seemed too happy about his bad luck. They quickly told him not to feel that way and they gave him an envelope with money 7 it. They said the letter in it would explain 8 it was all about, but he had to postpone 9 (open) it until 2 o'clock. Henry felt that was odd. 10 (final) Henry left the house, promising that he would not open the letter until 2 o'clock.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.
Ⅱ.阅读理解
A
(2023浙江精诚联盟月考)
Children may not be putting coins in piggy banks for much longer. With the move towards a cashless society, pocket money is going digital.
To reflect “the change”, many mobile budgeting(预算) apps for children have appeared worldwide, such as GoHenry, Osper and Gimi. These apps offer a simple money management service to children, often for a monthly fee paid by parents. Parents can add money to children's accounts, set limits and monitor transactions(交易). Children can choose to save their money or spend it using a prepaid card.
These apps aim to teach young children financial concepts(概念), such as budgeting, interest rates and income. For example, the Swedish app Gimi—1.2 million users globally—has virtual savings jars where children can deposit money. Parents can pay children interest as they save. There is also a prepaid card that is currently available in Sweden only, but is expected to be launched elsewhere in Europe.
Philip Haglund, CEO of Gimi, believes the app can teach children responsible spending habits. “You won't become better at money management just because you have a degree in economics. It's more about the attitude and the relationship you have with parents' money when you're 6 to 12 years old,” he says.
But Catherine Winter, Managing Director of Financial Capability at The London Institute of Banking & Finance, warns people that while digital tools can help, there needs to be a more organized approach to financial education. “The area should have regular, designed classroom time and ideally should be taught as an independent subject,” she says. “Children would then have the right understanding to get the most out of both the apps and their money.”
1.What do we know about Gimi
A.It provides a prepaid card for free.
B.It can teach children the concept of money.
C.It pays children interest as they save.
D.It can be used only in Sweden now.
2.What does the underlined word “launched” in Paragraph 3 mean
A.Recommended. B.Contributed.
C.Conquered. D.Introduced.
3.What do Catherine Winter's words mean
A.Digital tools can help a lot with finance.
B.Money management requires financial ability.
C.Regular classroom-based financial education is needed.
D.Children can get the most out of their money with the apps.
4.What's the text mainly about
A.The rise of the digital piggy bank.
B.The future of a cashless society.
C.The importance of financial education.
D.The popularity of money management.
B
(2022江苏南通阶段练习)
Despite earning a household income of more than $100,000, many people feel that they are living month to month and that sudden medical emergency could easily move them from the upper middle class to low-income earners. This feeling, despite these levels of income, seems a bit unbelievable. Let's take a deeper look at the phenomenon.
Even in today's tough economy, for those with six-figure incomes credit is easy to come by. Credit companies may have cut back loads to those in lower income brackets due to the recent credit reforms, but there seems to be little or no effect on high-income earners. Their being able to get credit without difficulty gives them a false sense of security that makes them spend way more than their incomes can afford. That's why they are in credit card debt faster than average.
Some higher-income professionals feel like they are making lots of money now, and believe that they will continue to make big money. This may reduce their feeling that they need to watch their money carefully now. Hand in hand with that, many of them probably believe that they are making more money than they indeed are—or said another way, the money they make will go farther than it really does.
Meanwhile, many young professionals who are earning good incomes don't come from particularly advantaged backgrounds, and their reference point may be that they are making twice (or more) than their parents were—so they spend like that as well. They don't take account of the effect of inflation, which means that the cost of living is much higher than that in their parents' generation. Further, the more you earn, the more you pay in tax. Rather than focusing on after-tax incomes, many high-income earners only look at the top line figures. An income of $100,000 before tax is only about $70,000 after tax.
5.What is the first paragraph intended to do
A.Introduce the understanding of high income.
B.Confirm an odd phenomenon.
C.Stress the inconvenience brought by illnesses.
D.Lead to the topic of feeling poor.
6.What is the second paragraph mainly about
A.Lack of real security. B.Easy access to credit.
C.The successful credit reforms. D.Their advantaged backgrounds.
7.Why do some professionals spend beyond their incomes
A.Their money goes farther than it really does.
B.They fail to make more money like before.
C.They misunderstand their incomes.
D.They are often in credit card debt.
8.What does the author intend to remind young professionals about in the end
A.They should work harder to pay more taxes.
B.They need to turn to their parents for help.
C.They should keep their mind sharp when faced with poverty.
D.They need to look at the present rather than look back.
Ⅲ.语法填空
(2023江西新余期末统考)
Facility Miller, a 32-year-old British woman, 1 has a Chinese husband, still remembers the 2 (excite) when she first learned to use the “red packet” function on WeChat in 2017. She sent and grabbed some red packets in her Chinese family's group. The rule in her family was that the person who grabbed the highest amount sent 3 next.
4 (attract) by the unique way of communicating, many foreigners 5 (join) in sending and grabbing red packets so far. Usually, the money in each red packet is randomly loaded. Thus the amount of money one can grab 6 (large) depends on his or her luck, from 0.01 yuan to less than 200 yuan. Many foreigners get more familiar 7 Chinese culture through red packets. Four years ago, when Facility Miller 8 (send) 5.20 or 8.88 yuan red packets, she had no idea about the hidden meanings. Now she not only has known about them, 9 also has sent a few.
However, the popularity of virtual red packets doesn't stop people sending paper red packets 10 (contain) real cash during the Spring Festival. It is called lucky money. In Chinese tradition, people consider giving children lucky money as a blessing.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.
答案与分层梯度式解析
UNIT 5 THE VALUE OF MONEY
Part 1 Listening and Speaking &
Reading and Thinking
基础过关练
Ⅰ.1.名词;地点 句意:每当我遇到一些麻烦,我都想去一个安静的地方寻找解决办法。
2.名词;斑点 句意:我记得昨天她穿了一条有白点的黑裙子。
3.动词;发现 句意:我的邻居们发现有烟正从这所房子里冒出来,便立即报了警。
Ⅱ.1.a 考查冠词。句意:咱们就这场足球赛打个赌吧。我认为一班会赢。make a bet意为“打个赌”。故填a。
2.apology 考查名词。句意:她正在为昨天上学迟到向老师道歉。make an apology to sb. for doing sth.“为做某事向某人道歉”。故填apology。
3.on 考查介词。句意:我们在平等互利的基础上和各国人民进行贸易。on the basis of...意为“在……的基础上”。故填on。
4.building 考查动名词。句意:推迟兴建新医院的决定是不得人心的。postpone doing sth.意为“推迟做某事”。故填building。
5.patience 考查名词。句意:众所周知,教育孩子不是一件容易的事情,这需要很多的耐心。 设空处作requires的宾语且前面有a lot of,故应用所给词的名词形式,patience为不可数名词。故填patience。
6.ignorant 考查形容词。句意:莉莉的妈妈不明白莉莉为什么哭了。她还不知道发生了什么事。be ignorant of...意为“对……不了解”。故填ignorant。
7.on 考查介词。句意:消防队员将留在现场,以确保火灾不会再次发生。on the scene在现场。故填on。
8.a 考查冠词。句意:我的哥哥看上去很强健。然而,事实上,他的心脏很不好。as a matter of fact意为“事实上”。故填a。
9.indication 考查名词。句意:BMI是一种国际公认的测量工具,可以显示一个人的体重是否健康。由设空处前面的不定冠词an和设空处后面的介词of可知此处应用单数名词,故填indication。
10.that 考查强调句型。句意:正是他的鼓励使我相信一切皆有可能。去掉It is和设空处后句子成分及意思仍然完整,由此可知此处用了强调句型,强调的部分为主语his encouragement。故填that。
Ⅲ.1.To be honest 2.ought to 3.in return
4.by accident
Ⅳ.1.was about to leave 2.That’s why 3.Judging from/by;must have had/met 4.found it difficult/hard to hide
能力提升练
Ⅰ.1.days 考查名词复数。根据空格前的 a couple of(几个)可知,设空处应用复数形式,a couple of days表示“几天”。
2.a 考查冠词。make a bet 是固定短语,意为“打赌”。故填a。
3.argument 考查名词。设空处前面是形容词性物主代词,所以设空处应用名词。这里指“他们的争吵”,故填argument。
4.had landed 考查动词的时态。根据前面的told可知设空处表示的动作发生在过去的过去,应用过去完成时。故填had landed。
5.to seek 考查动词不定式。去美国领事馆的目的是寻求帮助,此处用动词不定式表示目的。故填to seek。
6.him 考查代词。根据动词offer可知,此处构成offer sb. sth.结构,意为“给某人提供某物”,动词后接人称代词宾格。故填him。
7.in/inside 考查介词。空格后的it指代 envelope,此处指钱装在信封中。故用介词in或inside。
8.what 考查连接代词。设空处前面为动词explain,后面为主语it,且空格后面的介词about后缺少宾语,故推测设空处引导宾语从句,且在从句中作介词的宾语,表示“……的事物”,故填what。
易错归因 本题学生看到前面的动词后,确定这里是宾语从句,然后容易误填that。需要注意,that引导宾语从句时,在从句中不作成分,从句的成分通常是完整的。而本题从句缺少成分(about后的宾语),所以要填一个可以在从句中作成分的连接代词。
9.opening 考查动名词。postpone doing sth.为固定结构,意为“推迟做某事”。故填opening。
10.Finally 考查副词。设空处位于句首,提示词为形容词,故用副词作状语,修饰整个句子。注意首字母大写。故填Finally。
Ⅱ. A
◎语篇解读 本文是一篇说明文,主要介绍了数字存钱罐的兴起。
1.B 细节理解题。根据第三段第一句中的“These apps aim to teach young children financial concepts”可知,这些应用软件力求教小孩子金融概念,由此可知Gimi可以教孩子金钱的概念。故选B。
易错归因 本题容易错选D项,学生根据第三段中的“that is currently available in Sweden only”作出错误的判断,注意这里说的是预付卡当前只在瑞典使用,不是Gimi。
2.D 词义猜测题。这里说的是“还有一张预付卡,目前仅在瑞典使用,但预计将在欧洲其他地方launched”,由此可推断出画线词在这里意为“推出,发行”,introduce意为“推行”。故选D。
3.C 推理判断题。根据最后一段Catherine Winter的话“该领域应该有规律的、设计好的课堂时间,理想情况下应该作为一门独立的学科来教授”可知,Catherine Winter认为要定期进行基于课堂的金融教育。故选C。
4.A 主旨大意题。第一段总述了“零花钱正走向数字化”这样一个概念,第二段主要介绍了一些应用软件及相关内容,第三段介绍了这些应用软件的目的并具体介绍了应用软件Gimi,第四段和第五段介绍了两个人对数字金钱管理的看法。全文都是围绕数字存钱罐的兴起展开的,故A项最适合作为本文的标题。故选A。
【高频词汇】 1.digital adj.数字的 2.account n.账户 3.limit n.限额;限度 4.monitor v.监视;检查
5.financial adj.财政的;金融的 6.virtual adj.虚拟的
7.currently adv.现在;目前 8.available adj.可获得的;可利用的 9.degree n.学位 10.approach n.方法
【熟词生义】 interest n.利息
【差距词汇】 deposit v.存储
长难句
原句 But Catherine Winter, Managing Director of Financial Capability at The London Institute of Banking & Finance, warns people that while digital tools can help, there needs to be a more organized approach to financial education.
分析 本句为主从复合句。Managing Director of Financial Capability at The London Institute of Banking & Finance是Catherine Winter的同位语;that引导宾语从句,该从句中又含有while引导的让步状语从句。
译文 但是伦敦银行与金融学院的金融财力部门总经理Catherine Winter警告人们,称尽管数字工具会有所帮助,但金融教育需要一种更有组织的方法。
B
◎语篇解读 本文是一篇说明文。文章主要就高收入人群仍然觉得自己贫穷的现象进行了说明。
5.D 推理判断题。根据对第一段的理解可知,尽管家庭收入超过十万美元,但许多人觉得他们是在按月生活,突然的医疗紧急情况很容易使他们从中等偏上收入阶层变成低收入者。尽管有这些收入水平,但这种感觉似乎有点不可思议。结合最后一句“Let’s take a deeper look at the phenomenon.”可推知,第一段的目的是引出“高收入人群仍然感觉自己贫穷”的话题。故选D。
6.B 主旨大意题。根据第二段第一句“Even in today’s tough economy, for those with six figure incomes credit is easy to come by.”可知,即使在现在艰难的经济中,对于那些拥有六位数收入的人来说,贷款是很容易得到(come by)的。这是本段的中心句,下文介绍了贷款容易获得产生的不良后果。所以推知,本段主要介绍了贷款容易获得。故选B。
7.C 细节理解题。根据对倒数第二段的理解可知,一些更高收入的专业人士觉得他们现在赚了很多钱,并相信他们会继续赚大钱。这可能会减少他们现在需要小心理财的感觉。而且,他们中的许多人可能认为他们赚的钱比实际情况要多——或者换句话说,他们赚的钱比实际上能买的东西更多(the money they make will go farther than it really does)。由此可知,有些专业人士花钱超出收入是因为他们误解了自己的收入。故选C。
易错归因 本题容易误选A项,因为A项与原文同义。根据or said another way可知,在原文中A项内容与“they are making more money than they indeed are”为同义表达,但它们前面还有“many of them probably believe”,所以这是他们认为的,不是真的,他们认为他们赚的钱比实际情况多,所以才会花超,所以排除A项。
8.D 推理判断题。根据对最后一段的理解可知,许多收入不错的年轻的专业人士并不是来自特别优越的背景,他们的参考点可能是他们的收入是他们父母的两倍(或更多),所以他们的花费也一样。他们没有考虑通货膨胀的影响,这意味着(现在的)生活成本比他们父辈时的要高得多。此外,你挣的钱越多,你交的税也越多。许多高收入者只看最高收入,而不是税后收入。由此可推知,作者在文章最后想提醒年轻的专业人士不要把自己的收入与父辈的收入进行比较,不要觉得自己收入很高,要考虑通货膨胀和扣税,即年轻的专业人士需要着眼于现在而不是回头看。故选D。
【高频词汇】 1.despite prep.即使,尽管 2.emergency n.突发事件,紧急情况 3.tough adj.艰难的,艰苦的
4.credit n.借款;贷款 5.security n.安全 6.professional n.专业人员,专业人士 7.reduce v.减少 8.reference point参照标准 9.take account of考虑到,顾及
10.rather than而不是
【熟词生义】 1.way adv.远远地,非常 2.hand in hand密切相关
【差距词汇】 1.come by设法得到(或获得)
2.bracket n.(价格、年龄、收入等的)等级 3.inflation n.通货膨胀
长难句
原句 Their being able to get credit without difficulty gives them a false sense of security that makes them spend way more than their incomes can afford.
分析 本句为主从复合句。Their being able to get credit without difficulty是“形容词性物主代词+动名词短语”构成的动名词的复合结构,在句中作主语;that makes them...是that引导的定语从句,修饰先行词a false sense of security,其中又含有一个than引导的比较状语从句。
译文 他们能够毫无困难地获得贷款,这给了他们一种虚假的安全感,使他们花的钱远远超过了他们收入的承受能力。
Ⅲ.◎语篇解读 本文是一篇说明文。文章通过32岁的英国妇女Facility Miller的经历介绍了中国的红包文化。
1.who 考查定语从句。句意:Facility Miller是一名32岁的英国妇女,她有一个中国丈夫,她仍然记得2017年她第一次学会使用微信上的“红包”功能时的兴奋。设空处无提示词且前面有逗号,“ has a Chinese husband”中缺少主语,结合句意可知设空处引导非限制性定语从句,先行词为Facility Miller,所以应用关系代词who。
2.excitement 考查名词。此处应用名词作remembers的宾语,excitement意为“兴奋”时为不可数名词。故填excitement。
3.the 考查冠词。句意:她家里的规则是,谁抢到的钱最多,谁就发下一个(红包)。此处表特指,the next意为“下一个”。故填the。
4.Attracted 考查过去分词。句意:被这种独特的交流方式吸引,到目前为止,许多外国人都加入了发红包和抢红包的行列。分析句子成分可知,此处应用非谓语动词,所给提示词与其逻辑主语many foreigners之间为被动关系,所以应用过去分词作状语。设空处位于句首,首字母应大写。故填Attracted。
5.have joined 考查动词的时态和主谓一致。分析句子成分可知,设空处在句中作谓语,根据so far可知,此处应用现在完成时,主语many foreigners为复数形式,所以谓语动词应用复数形式,故填have joined。
6.largely 考查副词。句意:因此,一个人能抢到多少钱在很大程度上取决于他或她的运气,从0.01元到不到200元。设空处作状语,应用副词。故填largely。
7.with 考查介词。句意:许多外国人通过红包变得对中国文化更熟悉。get familiar with...意为“变得对……熟悉”。故填with。
类比启发 be familiar to意为“对……来说是熟悉的”,主语一般是物;be familiar with意为“对……熟悉”,主语一般是人。
8.was sent 考查动词的时态、语态和主谓一致。句意:四年前,当Facility Miller收到5.20元或8.88元的红包时,她并不知道背后的含义。分析句子成分可知,设空处在从句中作谓语,根据“Four years ago”可知,此处应用一般过去时;根据“she had no idea about the hidden meanings”可知,此处是指别人给她发红包,应用被动语态;从句主语Facility Miller为第三人称单数,谓语动词应用单数。故填was sent。
9.but 考查连词。句意:现在她不仅知道它们的意思,还发了一些。not only...but also...意为“不仅……而且……”。故填but。
10.containing 考查现在分词。句意:然而,虚拟红包的流行并没有阻止人们在春节期间发装有真实现金的纸质红包。paper red packets和所给提示词之间为主动关系,应用现在分词作后置定语。故填containing。
【高频词汇】 1.function n.功能;作用 2.unique adj.独特的 3.randomly adv.随机地 4.depend on取决于 5.popularity n.流行;普及
长难句
原句 Facility Miller, a 32 year old British woman, who has a Chinese husband, still remembers the excitement when she first learned to use the “red packet” function on WeChat in 2017.
分析 本句为主从复合句。who引导非限制性定语从句,修饰先行词Facility Miller;when引导时间状语从句。
译文 Facility Miller是一名32岁的英国妇女,她有一个中国丈夫,她仍然记得2017年她第一次学会使用微信上的“红包”功能时的兴奋。
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2024人教版高中英语必修第三册同步
UNIT 5 THE VALUE OF MONEY
Part 1 Listening and Speaking & Reading and Thinking
基础过关练
Ⅰ.一词多义
1.Whenever I meet some trouble, I want to go to a quiet spot and find a solution.
词性: 词义:
2.I remember she wore a black skirt with white spots yesterday. 词性: 词义:
3.My neighbours spotted smoke coming out of the house and immediately called the police.
词性: 词义:
Ⅱ.单句语法填空
1.Let's make bet on the football match. I think Class One will win.
2.She's making an (apologize) to her teacher for coming to school late yesterday.
3.We trade with people in all countries the basis of equality and mutual(相互的) benefit.
4.It is an unpopular decision to postpone (build) the new hospital.
5.As we all know, educating children is not an easy thing, which requires a lot of (patient).
6.Lily's mother didn't understand why Lily cried. She was still (ignore) of what had happened.
7.Firefighters will remain the scene to ensure that the fire won't start up again.
8.My brother appears to be strong and healthy. However, as matter of fact, he suffers from a very weak heart.
9.BMI is an internationally recognized measurement tool that gives an (indicate) of whether someone maintains a healthy weight.
10.It is his encouragement makes me believe that everything is possible.
Ⅲ.选词填空
in return; by accident; to be honest; ought to
1. , young people should do something meaningful. They 2. work hard and master enough knowledge. They should respect and be grateful to their parents 3. for their love. If they make mistakes 4. , they should be brave to admit them.
Ⅳ.完成句子
1.我正要离开,这时电话响了。
I when the telephone rang.
2.这些无家可归的人非常善良并且友好,那就是为什么他决心帮助他们。
These homeless people were very kind and friendly. he was determined to help them.
3.从他忧心忡忡的表情判断,他一定遇到了一些麻烦。(judge)
his worried face, he some trouble.
4.当他知道她没有到达的时候,他感到很难掩饰自己内心的沮丧。(find+形式宾语it+宾语补足语+真正的宾语)
He his inner disappointment when he knew she didn't arrive. (读后续写—心理描写)
能力提升练
Ⅰ.课文语法填空
The two gentlemen had been arguing for a couple of 1 (day), and had decided to make 2 bet which would settle their 3 (argue). They were going to find someone to take part in their bet when they saw Henry walking on the street outside. They invited him into their house, where Henry told them he 4 (land) in Britain by accident. Although he had gone to the American consulate 5 (seek) help, he had not received any. Henry hoped that the brothers would offer 6 (he)some sort of work because he had no money. Henry got upset with the brothers when they seemed too happy about his bad luck. They quickly told him not to feel that way and they gave him an envelope with money 7 it. They said the letter in it would explain 8 it was all about, but he had to postpone 9 (open) it until 2 o'clock. Henry felt that was odd. 10 (final) Henry left the house, promising that he would not open the letter until 2 o'clock.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.
Ⅱ.阅读理解
A
(2023浙江精诚联盟月考)
Children may not be putting coins in piggy banks for much longer. With the move towards a cashless society, pocket money is going digital.
To reflect “the change”, many mobile budgeting(预算) apps for children have appeared worldwide, such as GoHenry, Osper and Gimi. These apps offer a simple money management service to children, often for a monthly fee paid by parents. Parents can add money to children's accounts, set limits and monitor transactions(交易). Children can choose to save their money or spend it using a prepaid card.
These apps aim to teach young children financial concepts(概念), such as budgeting, interest rates and income. For example, the Swedish app Gimi—1.2 million users globally—has virtual savings jars where children can deposit money. Parents can pay children interest as they save. There is also a prepaid card that is currently available in Sweden only, but is expected to be launched elsewhere in Europe.
Philip Haglund, CEO of Gimi, believes the app can teach children responsible spending habits. “You won't become better at money management just because you have a degree in economics. It's more about the attitude and the relationship you have with parents' money when you're 6 to 12 years old,” he says.
But Catherine Winter, Managing Director of Financial Capability at The London Institute of Banking & Finance, warns people that while digital tools can help, there needs to be a more organized approach to financial education. “The area should have regular, designed classroom time and ideally should be taught as an independent subject,” she says. “Children would then have the right understanding to get the most out of both the apps and their money.”
1.What do we know about Gimi
A.It provides a prepaid card for free.
B.It can teach children the concept of money.
C.It pays children interest as they save.
D.It can be used only in Sweden now.
2.What does the underlined word “launched” in Paragraph 3 mean
A.Recommended. B.Contributed.
C.Conquered. D.Introduced.
3.What do Catherine Winter's words mean
A.Digital tools can help a lot with finance.
B.Money management requires financial ability.
C.Regular classroom-based financial education is needed.
D.Children can get the most out of their money with the apps.
4.What's the text mainly about
A.The rise of the digital piggy bank.
B.The future of a cashless society.
C.The importance of financial education.
D.The popularity of money management.
B
(2022江苏南通阶段练习)
Despite earning a household income of more than $100,000, many people feel that they are living month to month and that sudden medical emergency could easily move them from the upper middle class to low-income earners. This feeling, despite these levels of income, seems a bit unbelievable. Let's take a deeper look at the phenomenon.
Even in today's tough economy, for those with six-figure incomes credit is easy to come by. Credit companies may have cut back loads to those in lower income brackets due to the recent credit reforms, but there seems to be little or no effect on high-income earners. Their being able to get credit without difficulty gives them a false sense of security that makes them spend way more than their incomes can afford. That's why they are in credit card debt faster than average.
Some higher-income professionals feel like they are making lots of money now, and believe that they will continue to make big money. This may reduce their feeling that they need to watch their money carefully now. Hand in hand with that, many of them probably believe that they are making more money than they indeed are—or said another way, the money they make will go farther than it really does.
Meanwhile, many young professionals who are earning good incomes don't come from particularly advantaged backgrounds, and their reference point may be that they are making twice (or more) than their parents were—so they spend like that as well. They don't take account of the effect of inflation, which means that the cost of living is much higher than that in their parents' generation. Further, the more you earn, the more you pay in tax. Rather than focusing on after-tax incomes, many high-income earners only look at the top line figures. An income of $100,000 before tax is only about $70,000 after tax.
5.What is the first paragraph intended to do
A.Introduce the understanding of high income.
B.Confirm an odd phenomenon.
C.Stress the inconvenience brought by illnesses.
D.Lead to the topic of feeling poor.
6.What is the second paragraph mainly about
A.Lack of real security. B.Easy access to credit.
C.The successful credit reforms. D.Their advantaged backgrounds.
7.Why do some professionals spend beyond their incomes
A.Their money goes farther than it really does.
B.They fail to make more money like before.
C.They misunderstand their incomes.
D.They are often in credit card debt.
8.What does the author intend to remind young professionals about in the end
A.They should work harder to pay more taxes.
B.They need to turn to their parents for help.
C.They should keep their mind sharp when faced with poverty.
D.They need to look at the present rather than look back.
Ⅲ.语法填空
(2023江西新余期末统考)
Facility Miller, a 32-year-old British woman, 1 has a Chinese husband, still remembers the 2 (excite) when she first learned to use the “red packet” function on WeChat in 2017. She sent and grabbed some red packets in her Chinese family's group. The rule in her family was that the person who grabbed the highest amount sent 3 next.
4 (attract) by the unique way of communicating, many foreigners 5 (join) in sending and grabbing red packets so far. Usually, the money in each red packet is randomly loaded. Thus the amount of money one can grab 6 (large) depends on his or her luck, from 0.01 yuan to less than 200 yuan. Many foreigners get more familiar 7 Chinese culture through red packets. Four years ago, when Facility Miller 8 (send) 5.20 or 8.88 yuan red packets, she had no idea about the hidden meanings. Now she not only has known about them, 9 also has sent a few.
However, the popularity of virtual red packets doesn't stop people sending paper red packets 10 (contain) real cash during the Spring Festival. It is called lucky money. In Chinese tradition, people consider giving children lucky money as a blessing.
1. 2. 3. 4. 5.
6. 7. 8. 9. 10.
答案与分层梯度式解析
UNIT 5 THE VALUE OF MONEY
Part 1 Listening and Speaking &
Reading and Thinking
基础过关练
Ⅰ.1.名词;地点 句意:每当我遇到一些麻烦,我都想去一个安静的地方寻找解决办法。
2.名词;斑点 句意:我记得昨天她穿了一条有白点的黑裙子。
3.动词;发现 句意:我的邻居们发现有烟正从这所房子里冒出来,便立即报了警。
Ⅱ.1.a 考查冠词。句意:咱们就这场足球赛打个赌吧。我认为一班会赢。make a bet意为“打个赌”。故填a。
2.apology 考查名词。句意:她正在为昨天上学迟到向老师道歉。make an apology to sb. for doing sth.“为做某事向某人道歉”。故填apology。
3.on 考查介词。句意:我们在平等互利的基础上和各国人民进行贸易。on the basis of...意为“在……的基础上”。故填on。
4.building 考查动名词。句意:推迟兴建新医院的决定是不得人心的。postpone doing sth.意为“推迟做某事”。故填building。
5.patience 考查名词。句意:众所周知,教育孩子不是一件容易的事情,这需要很多的耐心。 设空处作requires的宾语且前面有a lot of,故应用所给词的名词形式,patience为不可数名词。故填patience。
6.ignorant 考查形容词。句意:莉莉的妈妈不明白莉莉为什么哭了。她还不知道发生了什么事。be ignorant of...意为“对……不了解”。故填ignorant。
7.on 考查介词。句意:消防队员将留在现场,以确保火灾不会再次发生。on the scene在现场。故填on。
8.a 考查冠词。句意:我的哥哥看上去很强健。然而,事实上,他的心脏很不好。as a matter of fact意为“事实上”。故填a。
9.indication 考查名词。句意:BMI是一种国际公认的测量工具,可以显示一个人的体重是否健康。由设空处前面的不定冠词an和设空处后面的介词of可知此处应用单数名词,故填indication。
10.that 考查强调句型。句意:正是他的鼓励使我相信一切皆有可能。去掉It is和设空处后句子成分及意思仍然完整,由此可知此处用了强调句型,强调的部分为主语his encouragement。故填that。
Ⅲ.1.To be honest 2.ought to 3.in return
4.by accident
Ⅳ.1.was about to leave 2.That’s why 3.Judging from/by;must have had/met 4.found it difficult/hard to hide
能力提升练
Ⅰ.1.days 考查名词复数。根据空格前的 a couple of(几个)可知,设空处应用复数形式,a couple of days表示“几天”。
2.a 考查冠词。make a bet 是固定短语,意为“打赌”。故填a。
3.argument 考查名词。设空处前面是形容词性物主代词,所以设空处应用名词。这里指“他们的争吵”,故填argument。
4.had landed 考查动词的时态。根据前面的told可知设空处表示的动作发生在过去的过去,应用过去完成时。故填had landed。
5.to seek 考查动词不定式。去美国领事馆的目的是寻求帮助,此处用动词不定式表示目的。故填to seek。
6.him 考查代词。根据动词offer可知,此处构成offer sb. sth.结构,意为“给某人提供某物”,动词后接人称代词宾格。故填him。
7.in/inside 考查介词。空格后的it指代 envelope,此处指钱装在信封中。故用介词in或inside。
8.what 考查连接代词。设空处前面为动词explain,后面为主语it,且空格后面的介词about后缺少宾语,故推测设空处引导宾语从句,且在从句中作介词的宾语,表示“……的事物”,故填what。
易错归因 本题学生看到前面的动词后,确定这里是宾语从句,然后容易误填that。需要注意,that引导宾语从句时,在从句中不作成分,从句的成分通常是完整的。而本题从句缺少成分(about后的宾语),所以要填一个可以在从句中作成分的连接代词。
9.opening 考查动名词。postpone doing sth.为固定结构,意为“推迟做某事”。故填opening。
10.Finally 考查副词。设空处位于句首,提示词为形容词,故用副词作状语,修饰整个句子。注意首字母大写。故填Finally。
Ⅱ. A
◎语篇解读 本文是一篇说明文,主要介绍了数字存钱罐的兴起。
1.B 细节理解题。根据第三段第一句中的“These apps aim to teach young children financial concepts”可知,这些应用软件力求教小孩子金融概念,由此可知Gimi可以教孩子金钱的概念。故选B。
易错归因 本题容易错选D项,学生根据第三段中的“that is currently available in Sweden only”作出错误的判断,注意这里说的是预付卡当前只在瑞典使用,不是Gimi。
2.D 词义猜测题。这里说的是“还有一张预付卡,目前仅在瑞典使用,但预计将在欧洲其他地方launched”,由此可推断出画线词在这里意为“推出,发行”,introduce意为“推行”。故选D。
3.C 推理判断题。根据最后一段Catherine Winter的话“该领域应该有规律的、设计好的课堂时间,理想情况下应该作为一门独立的学科来教授”可知,Catherine Winter认为要定期进行基于课堂的金融教育。故选C。
4.A 主旨大意题。第一段总述了“零花钱正走向数字化”这样一个概念,第二段主要介绍了一些应用软件及相关内容,第三段介绍了这些应用软件的目的并具体介绍了应用软件Gimi,第四段和第五段介绍了两个人对数字金钱管理的看法。全文都是围绕数字存钱罐的兴起展开的,故A项最适合作为本文的标题。故选A。
【高频词汇】 1.digital adj.数字的 2.account n.账户 3.limit n.限额;限度 4.monitor v.监视;检查
5.financial adj.财政的;金融的 6.virtual adj.虚拟的
7.currently adv.现在;目前 8.available adj.可获得的;可利用的 9.degree n.学位 10.approach n.方法
【熟词生义】 interest n.利息
【差距词汇】 deposit v.存储
长难句
原句 But Catherine Winter, Managing Director of Financial Capability at The London Institute of Banking & Finance, warns people that while digital tools can help, there needs to be a more organized approach to financial education.
分析 本句为主从复合句。Managing Director of Financial Capability at The London Institute of Banking & Finance是Catherine Winter的同位语;that引导宾语从句,该从句中又含有while引导的让步状语从句。
译文 但是伦敦银行与金融学院的金融财力部门总经理Catherine Winter警告人们,称尽管数字工具会有所帮助,但金融教育需要一种更有组织的方法。
B
◎语篇解读 本文是一篇说明文。文章主要就高收入人群仍然觉得自己贫穷的现象进行了说明。
5.D 推理判断题。根据对第一段的理解可知,尽管家庭收入超过十万美元,但许多人觉得他们是在按月生活,突然的医疗紧急情况很容易使他们从中等偏上收入阶层变成低收入者。尽管有这些收入水平,但这种感觉似乎有点不可思议。结合最后一句“Let’s take a deeper look at the phenomenon.”可推知,第一段的目的是引出“高收入人群仍然感觉自己贫穷”的话题。故选D。
6.B 主旨大意题。根据第二段第一句“Even in today’s tough economy, for those with six figure incomes credit is easy to come by.”可知,即使在现在艰难的经济中,对于那些拥有六位数收入的人来说,贷款是很容易得到(come by)的。这是本段的中心句,下文介绍了贷款容易获得产生的不良后果。所以推知,本段主要介绍了贷款容易获得。故选B。
7.C 细节理解题。根据对倒数第二段的理解可知,一些更高收入的专业人士觉得他们现在赚了很多钱,并相信他们会继续赚大钱。这可能会减少他们现在需要小心理财的感觉。而且,他们中的许多人可能认为他们赚的钱比实际情况要多——或者换句话说,他们赚的钱比实际上能买的东西更多(the money they make will go farther than it really does)。由此可知,有些专业人士花钱超出收入是因为他们误解了自己的收入。故选C。
易错归因 本题容易误选A项,因为A项与原文同义。根据or said another way可知,在原文中A项内容与“they are making more money than they indeed are”为同义表达,但它们前面还有“many of them probably believe”,所以这是他们认为的,不是真的,他们认为他们赚的钱比实际情况多,所以才会花超,所以排除A项。
8.D 推理判断题。根据对最后一段的理解可知,许多收入不错的年轻的专业人士并不是来自特别优越的背景,他们的参考点可能是他们的收入是他们父母的两倍(或更多),所以他们的花费也一样。他们没有考虑通货膨胀的影响,这意味着(现在的)生活成本比他们父辈时的要高得多。此外,你挣的钱越多,你交的税也越多。许多高收入者只看最高收入,而不是税后收入。由此可推知,作者在文章最后想提醒年轻的专业人士不要把自己的收入与父辈的收入进行比较,不要觉得自己收入很高,要考虑通货膨胀和扣税,即年轻的专业人士需要着眼于现在而不是回头看。故选D。
【高频词汇】 1.despite prep.即使,尽管 2.emergency n.突发事件,紧急情况 3.tough adj.艰难的,艰苦的
4.credit n.借款;贷款 5.security n.安全 6.professional n.专业人员,专业人士 7.reduce v.减少 8.reference point参照标准 9.take account of考虑到,顾及
10.rather than而不是
【熟词生义】 1.way adv.远远地,非常 2.hand in hand密切相关
【差距词汇】 1.come by设法得到(或获得)
2.bracket n.(价格、年龄、收入等的)等级 3.inflation n.通货膨胀
长难句
原句 Their being able to get credit without difficulty gives them a false sense of security that makes them spend way more than their incomes can afford.
分析 本句为主从复合句。Their being able to get credit without difficulty是“形容词性物主代词+动名词短语”构成的动名词的复合结构,在句中作主语;that makes them...是that引导的定语从句,修饰先行词a false sense of security,其中又含有一个than引导的比较状语从句。
译文 他们能够毫无困难地获得贷款,这给了他们一种虚假的安全感,使他们花的钱远远超过了他们收入的承受能力。
Ⅲ.◎语篇解读 本文是一篇说明文。文章通过32岁的英国妇女Facility Miller的经历介绍了中国的红包文化。
1.who 考查定语从句。句意:Facility Miller是一名32岁的英国妇女,她有一个中国丈夫,她仍然记得2017年她第一次学会使用微信上的“红包”功能时的兴奋。设空处无提示词且前面有逗号,“ has a Chinese husband”中缺少主语,结合句意可知设空处引导非限制性定语从句,先行词为Facility Miller,所以应用关系代词who。
2.excitement 考查名词。此处应用名词作remembers的宾语,excitement意为“兴奋”时为不可数名词。故填excitement。
3.the 考查冠词。句意:她家里的规则是,谁抢到的钱最多,谁就发下一个(红包)。此处表特指,the next意为“下一个”。故填the。
4.Attracted 考查过去分词。句意:被这种独特的交流方式吸引,到目前为止,许多外国人都加入了发红包和抢红包的行列。分析句子成分可知,此处应用非谓语动词,所给提示词与其逻辑主语many foreigners之间为被动关系,所以应用过去分词作状语。设空处位于句首,首字母应大写。故填Attracted。
5.have joined 考查动词的时态和主谓一致。分析句子成分可知,设空处在句中作谓语,根据so far可知,此处应用现在完成时,主语many foreigners为复数形式,所以谓语动词应用复数形式,故填have joined。
6.largely 考查副词。句意:因此,一个人能抢到多少钱在很大程度上取决于他或她的运气,从0.01元到不到200元。设空处作状语,应用副词。故填largely。
7.with 考查介词。句意:许多外国人通过红包变得对中国文化更熟悉。get familiar with...意为“变得对……熟悉”。故填with。
类比启发 be familiar to意为“对……来说是熟悉的”,主语一般是物;be familiar with意为“对……熟悉”,主语一般是人。
8.was sent 考查动词的时态、语态和主谓一致。句意:四年前,当Facility Miller收到5.20元或8.88元的红包时,她并不知道背后的含义。分析句子成分可知,设空处在从句中作谓语,根据“Four years ago”可知,此处应用一般过去时;根据“she had no idea about the hidden meanings”可知,此处是指别人给她发红包,应用被动语态;从句主语Facility Miller为第三人称单数,谓语动词应用单数。故填was sent。
9.but 考查连词。句意:现在她不仅知道它们的意思,还发了一些。not only...but also...意为“不仅……而且……”。故填but。
10.containing 考查现在分词。句意:然而,虚拟红包的流行并没有阻止人们在春节期间发装有真实现金的纸质红包。paper red packets和所给提示词之间为主动关系,应用现在分词作后置定语。故填containing。
【高频词汇】 1.function n.功能;作用 2.unique adj.独特的 3.randomly adv.随机地 4.depend on取决于 5.popularity n.流行;普及
长难句
原句 Facility Miller, a 32 year old British woman, who has a Chinese husband, still remembers the excitement when she first learned to use the “red packet” function on WeChat in 2017.
分析 本句为主从复合句。who引导非限制性定语从句,修饰先行词Facility Miller;when引导时间状语从句。
译文 Facility Miller是一名32岁的英国妇女,她有一个中国丈夫,她仍然记得2017年她第一次学会使用微信上的“红包”功能时的兴奋。
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