2023届高三英语三轮复习冲刺押题外刊阅读理解专项训练 (51)

2023届高考英语三轮复习·冲刺押题 外刊阅读理解训练51 ——改编自Smart phones make us spend more USA today 【文章】 Smartphones may be contributing to holiday overspending, as mobile wallets and social media purchases make it easier for consumers to purchase items on the spot. Consumers are targeted through ads on Instagram and other social media services, and point-of-sale loans encourage higher spending. Merchants offer point-of-sale loans, allowing customers to pay for a purchase over several weeks or months, instead of upfront. But such loans can lead to increased spending, with one provider claiming that their loans lead to consumers increasing their average spending by about 90%. Mobile wallets can also spur impulsive purchasing, leading to an increased amount of small transactions that add up. A study from the University of Illinois showed that when using mobile payments, customers spend 2.4% more per transaction and end up buying 24% more frequently. To avoid overspending during the holidays, shopping should start with a budget and a list of what’s necessary, says Matt Schulz, Chief Industry Analyst at CompareCards.com. This will help you track regular income and expenses while keeping you from splurging on unnecessary purchases. Before committing to point-of-sale loans, it is important to read the fine print of the terms and conditions. Some loans charge interest, while others charge late fees. Understanding these details will help avoid surprises later, which can result in debt and long-term repayment commitments. Ultimately, the convenience of mobile payments and point-of-sale loans makes it easy to overspend, making careful planning ahead of time all the more essential. 【重点词汇&词组】 1. smartphones [ˈsmɑːtfoʊnz] n. 智能手机，智能电话 2. holiday [ˈhɑːlədeɪ] n. 假日，节日 3. overspending [oʊvərˈspɛndɪŋ] n. 开销过度，花费过多 4. mobile wallets [ˈmoʊbəl ˈwɔlɪts] phrase. 移动钱包 5. social media [ˈsoʊʃl ˈmidiə] phrase. 社交媒体 6. consumers [kənˈsjuːmərz] n. 消费者 7. purchase [ˈpɜːrtʃəs] n. 购买行为，购买物品 8. targeted [ˈtɑːrɡɪtɪd] a