Unit 5 The Value of Money Listening and Speaking-分层同步练习 2025-2026学年高中英语人教版必修第三册

Listening and Speaking Ⅰ.阅读理解 A (2025河南驻马店高一下阶段测试) Going back to college is a chance to improve your work opportunities,but figuring out how to pay tuition(学费) can be difficult for many. What Is a Tuition Payment Plan? A tuition payment plan breaks up your college tuition bill into equal payments across the academic year.You might also see these called deferred(延期的) payment plans.Payment plans are short-term options,lasting from a few months to one year depending on what a given school offers. To join,you’ll pay a small amount of money($15-$200),but this is still cheaper than the money borrowed from a bank.Usually,if you borrow money from a bank,you’ll be required to pay back extra money(called interest) over years,while payment plans let you pay tuition without added costs.This makes them a smart choice for saving money. How Do Tuition Payment Plans Work? Payment plans help fill the gap without debt(负债).Here’s how to use them: —Plan your cost:Decide how much you can afford each month.Compare this to your total school costs for the term or year. —Sign up on time:When applying for classes,choose the payment plan option in the billing section. —Pay part first:Many schools ask for 20%-50% of the total cost upfront.Save money early to cover this. —Pick a payment method:Most plans automatically(自动地) take money from your bank account each month.Using a credit card might cost extra,so check the rules first. If your school doesn’t offer a plan,you can also ask about third-party services that can help. 1.What is the main advantage of choosing a tuition payment plan? A.It encourages saving money at first. B.It avoids additional charges over time. C.It changes students’ spending habit. D.It allows students to join for free. 2.Which step ensures automatic monthly payments under a tuition plan? A.Signing up for the course. B.Avoiding third-party services. C.Selecting a bank account. D.Paying 50% of the total cost upfront. 3.Where is the text probably from? A.A business school guide. B.A money-saving magazine. C.A university application form. D.A bank service brochure. B (2025山东济南外国语学校高一检测) What is “financial intelligence”?Students from Shenzhen No.2 Experimental School may tell you that it lies at the heart of one’s growth journey. Financial intelligence is taught in a course developed by the school.It not only teaches the basic knowledge about finance,but also makes students realize that their time,emotions and abilities are their “invisible fortune(财富)” and should be smartly managed,too. The course first introduces students to the world of finance.For example,they learn how to read a cash flow statement(现金流转表) and a financial statement(财务报表),as well as how to handle business tasks such as product promotion,transactions(交易),and accounting.“To put what we learned into practice,we once set up a stand during a sports meet to sell products like juice,” Chen Zixuan,16,said. Based on the logic of a financial statement,the students are also asked to come up with their own “personal growth statement”.One’s attention and negative emotions,for example,correspond to property and liabilities(债务) in a financial statement. “Attention minus negative emotions equals your ability to love,” Zhang Xiang,15,said,claiming that she had used the idea to solve real-life problems.“Once I fought with my friend and felt horrible about it for days.By using the personal growth statement,I realized that my negative emotions were taking up too much of my attention,decreasing my ability to love.That’s when I decided to break out of my sadness.” This year,students shared their knowledge beyond the campus,giving presentations to staff at a software company.“My topic was ‘how to make choices based on your own abilities and interests’,” Wang Yuqian,16,said.“How to allocate(分配) your attention,energy and abilities is something that most people don’t think about.The adults probably have never heard of a concept like the personal growth statement,which might help them reflect on their experiences.” 4.What is the main focus of the financial intelligence course at the school? A.Applying financial logic. B.Practicing financial skills. C.Promoting personal growth. D.Understanding various types of wealth. 5.According to paragraphs 4 and 5,what did Zhang Xiang learn to manage? A.Friendships.　　　　　 B.Time and money. C.Attention and emotions. D.Stress and anxiety. 6.Why did Wang Yuqian think her presentation was of use to the adult audience? A.It provided insights into decision-making. B.It offered guidance on money management. C.It showed effective communication. D.It introduced to them a valuable concept. 7.How does the author illustrate the effect and application of the financial-intelligence course? A.By using statistics. B.By giving examples. C.By analyzing causes. D.By describing a process. Ⅱ.七选五 (2025江西萍乡高一下期末) Helping Your Child Understand the Value of Money It seems that there are more things for teens to spend money on than ever.There are expensive clothes,video games,smartphones,and more.If you aren’t made of money,it’s hard to give your kids everything they want.　1　  Start teaching your children about money early.Starting around age 10,give them a few dollars every week for them to spend however they want.　2　 But let them choose what they want to do.Don’t set limits on what they can spend it on,and don’t continually buy them things they want.They’ll soon learn that if they spend all their money as soon as they get it,they won’t be able to afford more expensive things they want.  　3　 Have them go to the store with you or watch you pay the bills.Soon they’ll realize how much some things really cost.As your child gets older,about 13 or 14,increase their pocket money as you increase their responsibility.Once they’re more responsible,give them a budget for something bigger like clothes and make them stick to it.  Eventually,your child will probably get a job.Take this opportunity to teach them about savings.　4　 Let them use the rest as mad money to spend however they want.If you’re worried about what they’re buying,open them a checking account you can monitor.  Teaching your child the value of money will not happen overnight.　5　 Remember that they will probably mess up along the way,but mistakes are how they learn.  A.It takes many small steps. B.Help them choose a well-paid job. C.And you can also encourage them to pay the bills. D.Make the pocket money dependent on doing housework. E.That’s why it’s important to help them understand the value of money. F.Have them put some into a savings account to use for other pursuits. G.Introduce the budgets(预算) and how much things cost to your children earlier. Ⅲ.完形填空 When I was 7 years old,my family experienced a terrible financial downfall.We ended up 　1　,living on the streets.What I wanted was just a 　2　 and dry place to sleep at night.After years’ struggle,we finally got through the tough time.The experience taught me the importance of money and filled me with the 　3　 to do whatever I wanted so that I wouldn’t be 　4　 for lack of money.This desire stayed with me as I grew up.  After graduating from college,I worked really hard to 　5　 my financial goals,and at the age of 28,I made it.As I became a mother,I was able to 　6　 my children with a high-quality life that I had always desired.　7　,though we could afford them many things,my husband and I wanted them to learn the 　8　 of hard work.We also taught our kids how to manage money so they could 　9　 any challenge in the future.  It doesn’t matter how much money you have:　10　 money is what makes you successful.Now our children have come to understand the importance of earning and taking care of their money.They are 　11　 to earn money through chores and 　12　 for expensive items they like.  Our intention for them is to understand the value of things and learn 　13　 life skills such as how to open a bank account and 　14　 rents.Above all,I firmly believe that teaching my children good values is the greatest 　15　 I can give them,because it is more valuable than any material treasure.  1.A.alone　　　　B.tired C.homeless D.lost 2.A.warm B.crowded C.broad D.faraway 3.A.joy B.duty C.option D.desire 4.A.cheered up B.held back C.raised up D.picked out 5.A.design B.achieve C.share D.identify 6.A.provide B.surprise C.attract D.serve 7.A.However B.Obviously C.Otherwise D.Shortly 8.A.art B.rule C.value D.impact 9.A.bring B.select C.face D.choose 10.A.spotting B.donating C.spending D.managing 11.A.ordered B.encouraged C.begged D.forced 12.A.ask B.vote C.wait D.save 13.A.creative B.advanced C.basic D.limited 14.A.pay B.collect C.increase D.report 15.A.clue B.gift C.sign D.fund 知识积累卡 一、重点单词 1.academic adj.　　　　　  2.financial adj.　　　　　　　　  3.decrease v.　　　　　  4.responsible adj.　　　　　→responsibility n.　　　　　　  5.eventual adj.　　　　　　→eventually adv. 　　　  二、词块速记 1.compare...to... 　　　　　　　  2.personal growth 　　　　　　　  3.negative emotion 　　　　　　　  4.correspond to 　　　　　　　　  5.a savings account 　　　　　　　  三、长难句分析 Usually,if you borrow money from a bank,you’ll be required to pay back extra money (called interest) over years,while payment plans let you pay tuition without added costs. 分析:you’ll be required...和payment plans let you...是由while连接的并列句,if引导的是条件状语从句。 句意:   参考答案 Ⅰ.【语篇解读】本文是一篇应用文。文章主要介绍了学费支付计划的特点以及使用方法。 1.B　细节理解题。根据第三段中“while payment plans let you pay tuition without added costs.This makes them a smart choice for saving money”可知,学费支付计划的主要优势是无须支付额外费用(如利息),避免了长期累积的附加成本,故选B项。 2.C　细节理解题。根据“How Do Tuition Payment Plans Work?”部分的“Pick a payment method:Most plans automatically take money from your bank account each month.”可知,选择银行账户作为支付方式可确保每月自动扣款,故选C项。 3.A　推理判断题。根据第一段“Going back to college is a chance to improve your work opportunities,but figuring out how to pay tuition can be difficult for many.”可知,短文可能出自一本商学院指南,故选A项。 【语篇解读】本文是一篇说明文。文章主要说明了深圳第二实验学校开设财商课,教学生金融知识,还引导他们管理时间等“隐形财富”,帮助学生成长并分享出去。 4.C　细节理解题。根据第一段中“Students from Shenzhen No.2 Experimental School may tell you that it lies at the heart of one’s growth journey.”可知,深圳第二实验学校的财商课程的重点是帮助个人成长,故选C项。 5.C　细节理解题。根据第五段中“By using the personal growth statement,I realized that my negative emotions were taking up too much of my attention,decreasing my ability to love.That’s when I decided to break out of my sadness.”可知,张翔学会了如何管理注意力和情绪,故选C项。 6.D　细节理解题。根据最后一段中“The adults probably have never heard of a concept like the personal growth statement,which might help them reflect on their experiences.”可知,王玉倩认为她的演讲对成年观众有帮助,是因为它向他们传达了一个有价值的理念,故选D项。 7.B　推理判断题。根据第二段内容和第三段的“for example...”可知,作者使用了具体的示例,故选B项。 Ⅱ.【语篇解读】本文是一篇说明文。文章针对青少年消费项目增多,家长难以满足其所有需求的情况,提出了帮助孩子理解金钱价值的方法。 1.E　上文提到青少年的消费项目似乎比以往任何时候都要多,如果你并非财力雄厚,很难满足孩子所有的愿望。因此,在这种情况下,让孩子理解金钱价值是非常重要的。E项可承接上文,其中的“That”指代上文情况,且引出下文关于如何教孩子理解金钱价值的内容。 2.D　根据空前的“Starting around age 10,give them a few dollars every week for them to spend however they want.”可知,此处应是对给零花钱方式的进一步说明。D项是给零花钱的一种具体方式,能让孩子明白金钱需要通过劳动获得。 3.G　本段提到“让他们和你一起去商店,看着你支付账单。……一旦他们更有责任心了,就给他们一笔用于购买衣物等大宗物品的预算,并让他们严格遵守”,由此可知,本段主要讲述的是让孩子了解预算和物价。G项能够概括本段主旨。 4.F　根据空前的“Eventually,your child will probably get a job.Take this opportunity to teach them about savings.”可知,F项符合语境。其中的“savings”为同词复现。 5.A　根据空前的“Teaching your child the value of money will not happen overnight.”可知,此处应进一步说明这个过程的特点。A项承接上文,解释了教孩子理解金钱价值需要循序渐进。 Ⅲ.【语篇解读】本文是一篇记叙文。作者通过叙述其在童年时期的贫困经历,成年后通过努力实现财务自由,并最终成为一位教育子女理解金钱价值和生活技能的母亲的故事,来展示个人奋斗和教育的重要性。 1.C　根据下文“living on the streets”可推断,他们一家住在街上,无家可归了。 2.A　根据上文“living on the streets”和下文“to sleep at night”可推断,晚上在街上睡觉通常又冷又潮湿,所以想要在干燥、温暖的地方睡觉。 3.D　本段最后一句“This desire stayed with me as I grew up.”说明作者实现自己愿望的渴望一直伴随着自己长大,由此可推断上文表述的是自己实现愿望的渴望。 4.B　根据本段第一句中“my family experienced a terrible financial downfall” 可知,作者一家遭遇了严重的经济危机,再结合下文“for lack of money”可推断作者不想再因为缺乏金钱而受阻。 5.B　根据第一段最后两句话“The experience taught me the importance of money and filled me with the 　　　to do whatever I wanted so that I wouldn’t be 　　　for lack of money.This desire stayed with me as I grew up.”可知,作者经历了经济衰退后,决心努力而不再因为金钱受阻。由此可推断,作者毕业后非常努力实现自己的财务目标。  6.A　根据下文“we could afford them many things”可知,作者有经济能力给孩子们买很多东西,那么可推断作者有能力给孩子提供高品质的生活。 7.A　根据上文“I was able to 　　　my children with a high-quality life that I had always desired”及下文“my husband and I wanted them to learn the 　　　of hard work”可知,两句话之间存在转折关系,所以用however。  8.C　根据上文“though we could afford them many things”可推断,作者和丈夫虽然能够给孩子买得起很多东西,还是想教会孩子努力工作的价值。 9.C　本句前后是因果关系,教孩子如何管理金钱是为了让孩子能够应对未来的经济方面的挑战。 10.D　根据下文“understand the importance of earning and taking care of their money”可知,现在作者的孩子们已经理解了赚钱和理财的重要性,理财就是管理金钱。 11.B　根据上文“understand the importance of earning and taking care of their money”可知,现在孩子们知道了挣钱和理财的重要性,因此孩子们被鼓励挣钱和攒钱。 12.D　见上题解析。 13.C　根据下文“such as how to open a bank account”可知,孩子们学会了开户等一些基本技能。 14.A　根据连词“and”和“how to open a bank account”可知,作者的孩子们学会的是金融方面的一些技能。 15.B　根据下文“more valuable than any material treasure”可知,作者希望给孩子们非物质的、对他们的未来有深远影响的东西。 知识积累卡 一、1.学术的　2.金融的;财务的　3.减少　4.负责的　责任　5.最后的　最终 二、1.与……相比　2.个人成长　3.负面情绪　4.与……相对应;符合　5.储蓄账户 三、通常情况下,如果你从银行贷款,那么在未来数年里你需要额外还款(这笔额外的钱被称为利息),而付款计划则让你无须支付额外费用就能缴纳学费。 学科网（北京）股份有限公司 $