[听力原文]

W: If you’re in your 20s,you own your first car, your career is more or less launched, and you’re starting to look forward to owning a home. But you’re worried, too. Perhaps you’ve got some debt. You probably don't have much in the way of savings. And with all your expenses, it doesn't look like you’ll be able to improve that situation soon. If you wonder how to cut corners, there’s an obvious place to look-at your spending habits. Do you buy a soda each weekend? Waste a day for 40 years and, when you’re set to retire, you’ll find your account is short by ,000.Grab a calculator and you’ll discover that, over 40 years going out to dinner twice a month at each time amounts to half a million. Even a pack-a day cigarette habit will lighten your retirement account by2,000. And the same with cable TV and those cool earrings. They will probably amount to as much as one million.

So, the first clue to accumulating wealth is this: focus on your spending habits. Here are a couple of tricks to help you save even if you swear you can't afford to. Stop buying things that fall rather than rise in value. Pay yourself first: Before you pay the monthly bills, send to a mutual fund. Stop spending coins. From now on, spend only paper currency, and keep the change every day. Get your family involved and you’ll double your savings. Use discount tickets at the supermarket—but use them correctly. How? If you really want to make these tickets worthwhile, you actually must invests into your mutual fund the amount you save by using the tickets. Otherwise, you’re wasting your time—and your money.

M: You now have 30 seconds to check your answers to Questions 14-16.

名师精解：

14.考察考生对于文章特定信息的掌握以及对文章大意的理解能力。答案来自“So, the first clue to accumulating wealth is :focus on your spending habits.”直接推测出答案。

15.考察考生对于细节问题的掌握和数字的辨别能力。答案来自“Even a pack-a-day cigarette habit will lighten your retirement account by,000.”直接推测答案。考生在听到数字时尤其敏感。

16.考察的是考生对于细节问题的掌握。答案来自原文“Pay yourself first :Before you pay the monthly bills, send to a mutual fund.”。fund是关键词，当听到关键词时，就可以把其他答案排除。

Questions 17-20 are based on an interview with Herbert A. Glieberman, a domestic-relations lawyer. You now have 20 seconds to read Questions 17-20.

17. Which word best describes the lawyers prediction of the change in divorce rate?

［A］Fall.

［B］Rise.

［C］V-shape.

［D］Zigzag.

18. What do people nowadays desire to do concerning their marriage?

［A］To embrace changes of thought.

［B］To adapt to the disintegrated family life.

［C］To return to the practice in the 60s and 70s.

［D］To create stability in their lives.

19. Why did some people choose not to divorce 20 years ago?

［A］They feared the complicated procedures.

［B］They wanted to go against the trend.

［C］The were afraid of losing face.

［D］They were willing to stay together.

20. Years ago a divorced man in a company would have

［A］been shifted around the country.

［B］had difficulty being promoted.

［C］enjoyed a happier life.

［D］tasted little bitterness of disgrace.