Unit 5 The Value of Money（二）-2026-2027学年高中英语教材全解必修三（人教版）

Unit 5 The Value of Money 教材全解（二） loan borrow lend debt credit cash cashier; 。单元核心词汇 cheque receipt invoice discount bargain purchase buy;sel等 。单元同步语法 情态动词表推测 ⑦单元文章对话 重点句型讲练 教材同步词汇全解全练 重点1 单元词汇 1.loan /leun/n. 贷款；借款vt.借出；贷给 词形变化：loaner(m.）出借人；loanable(adj.)可借出的 辨析：loan与lend均可表示“借出”，但1loan在美式英语中更常用于正式金融借 贷；lend更口语化。 搭配：take out a loan取得贷款；bank loan银行贷款；loan sb.sth.借给某人某物 例句：Many students take out a loan to pay for their university tuition. The bank loaned him $10,000 to start his small business. 2.boIow/bpr3u/vt.&vi.借；借用；借入 词形变化：borrower(n.)借款人；borrowing(n.)借款；借入 辨析：borrow(从别人处借入)：lend(借出给他人)。常用结构：borrow sth.from sb. 搭配：borrow money from a bank从银行借钱；borrow an idea借鉴想法 例句：You should never borrow money from strangers. She borrowed a book from the library yesterday. 3.lend /lend/vt.(Ient,lent)借出；贷给；提供 词形变化：lender(n.)出借人；出借方 搭配：lend sb.sth./lend sth.tosb.把某物借给某人；lend a hand帮忙 辨析：lend强调“借出”，borrow强调“借入”。注意：lend后可接双宾语。 例句：Could you lend me your pen? The bank agreed to lend him $5,000 at a low interest rate. 4.debt/det/n.债务；欠款 词形变化：debtor(n.)债务人；debt-free(adi.)无债务的 搭配：in debt欠债；get into debt陷入债务；pay off a debt还清债务 辨析：debt强调“欠款”的状态或金额；loan是“贷款”行为本身。 例句：He is deeply in debt after buying a new house. It took him five years to clear all his debts. 5.pay off还清（债务）；付清；取得成功 词形变化：payoff(n.)回报；付清；结局 搭配：pay off a loan还清贷款；pay off one's debts还清债务；pay off in the end 最终取得成功 辨析：pay off强调“彻底还清”；pay back更侧重“偿还（某笔款项)”。 例句：She finally managed to pay off her student loan last year.. All that hard work will pay off in the future. 6.credit/'aedt/n.信用；信贷；称赞；学分vt.相信；称赞；把…归于 词形变化：creditor(m.)债权人；credible(adj.)可信的；creditworthy(adj.)信用 良好的 搭配：credit card信用卡；on credit赊账；credit sb.with sth.把某事归功于某人 辨析：credit作“信用”时与debt相对；作“学分”时是教育领域常见词。 例句：You can buy the furniture on credit if you don't have cash. The invention of the telephone is credited to Alexander Graham Bell 7.discount/'drskaunt/n.折扣；贴现vt.打折扣；贴现；不重视 词形变化：discounter(n.)折扣商店；discountable(adj.)可打折扣的 搭配：at a discount打折；get a discount得到折扣；offer a 10%discount提供九折 优惠 辨析：discount是“折扣”，如20%off;bargain指“便宜货”或“讨价还价”。 例句：Students can get a20%discount on all books at this store. The store discounted all winter clothes by 30%. 8.bargain/ba:gsn/n.便宜货；交易vi.讨价还价；谈判 词形变化：bargainer(m.)讨价还价者；bargaining(n.)讨价还价 搭配：make a bargain达成交易；bargain with sb.over sth.与某人就某事讨价还 价；a real bargain真正的便宜货 辨析：bargain作名词时强调“物美价廉”；作动词时强调“讨价还价”的过程。 例句：This jacket was a real bargain一I only paid$20 for it. She spent an hour bargaining with the seller over the price. 9 purchase/'p3ts/vt.购买；采购n.购买；购买的东西 词形变化：purchaser(m.）购买者；purchasing(血.)购买；采购 搭配：make a purchase购买；purchase price买价；purchase sth.from…从…处 购买 辨析：purchase比buy更正式，常用于书面或商业语境；buy更口语化。 例句：You can purchase tickets online or at the box office,. The company spent millions on the purchase of new equipment. 10.cash/k/n.现金；现款vt.兑换现金 词形变化：cashier(n.)出纳员；cashless(adj.)无现金的 搭配：pay in cash用现金支付；cash in兑现；cash out提款 辨析：cash指实物货币；credit指信用支付方式。注意：cash作动词时意为“兑 现”。 例句：Do you prefer to pay by credit card or in cash? He cashed a check at the bank this morning. 考点通关 单元词汇 (一)单句填空（用所给词的适当形式填空） 1.My uncle took out a (loan)from the bank to buy a new car. 2.You can (borrow)a book from the library for two weeks. 3.Can you (lend)me some money until payday? 4.After losing his job,he was deep debt. 5.It's important to off your credit card balance every month. 6.Students can use their student ID to get a 10% (discount)on textbooks. 7.She bought a dress at a (bargain)price during the sales. 8.The company plans to (purchase)new computers next month. 9.I forgot my wallet,so I paid cash for the coffee. 10.He tried to (bargain)with the shop owner,but the price was fixed. 11.The bank (loan)him $20,000 to start his business last year. 12.She (credit)her success to hard work and good luck. 13.All your efforts will (pay)off in the end. 14.Many people (borrow)money from friends when they are in trouble. 15.The store offered a special (discount)for online orders. (二)短文填空 Jack wanted to start a small cafe but had no money.He decided to 1. some from a bank.The bank agreed to 2. him $15,000.However,he was soon 3. debt because the business was slow.He realized he must 4. off the loan as soon as possible.To save money,he paid everything 5. cash instead of using 6 cards.He also looked for good 7. when buying coffee beans.Once, a supplier gave him a 20%8. for a large 9. Little by little,his hard work began to 10. and after two years,he was finally debt-free. 参考答案 (一)单句填空 1.loan;2.borrow;3.lend;4.in;5.pay:6.discount 7.bargain;8.purchase;9.in; 10.bargain;11.loaned;12.credited;13.pay;14.borrow;15.discount (二)短文填空 1.borrow;2.loan;3.in;4.pay;5.in;6.credit;7.bargains;8.discount,9.purchase; 10.pay A 教材同步语法全解全练 重点1 情态动词表推测 情态动词表推测 项目 内容 情态动词用于根据已知信息对某一情况发生的可能性或必然性进行推断， 定义 表达说话人的主观判断。 肯定推断 must(一定) 很可能推断 should/ought to(按理应该) can/could/may/might(可能) 可能推断 can 常用于疑问句或否定句；could/may/might用于肯定句，语气由强 到弱。 否定推断 can't/couldn't(不可能) ①对现在或未来的推测：情态动词+动词原形 例：le must be at home.(他现在一定在家。)She may come tomorrow. (她明天可能来。) ②对正在进行的推测：情态动词+be doing 用法结构 例：They must be sleeping now,(他们现在肯定在睡觉。) ③对过去的推测：情态动词+have+过去分词 例：It must have rained last night..(昨晚一定下雨了。)He can't have finished his work.(他不可能完成了工作。)She might have forgotten the meeting.(她可能忘记了会议。) /must表推测只用于肯定句，否定推测用cant。 √can 表推测时，肯定句中一般用may/might更自然，can常用于疑问 和否定。 注意事项 √may和might没有时态区别，might语气更委婉，可能性更小。 √should表推测时意为“按理应该”，常有一定依据。 "could have done”目 既可表过去推测，也可表虚拟（本能够做但未 做)，需根据语境判断。 考点通关 情态动词表推测 语法专练一：单项选择(8题) 1.-Look!Someone is coming.Who it be? -It be Mr.Wang.He went to Beijing yesterday A.can;can't B.must;mustn't C.may;must D.might;couldn't 2.You be tired after walking for such a long time.Let's have a rest. A.must B.can't C.may D.should 3.He have finished his homework,but I'm not sure A.must B.can't C.might D.should 4.Susan have gone to the library,because her book is still on the desk A.mustn't B.can't C.may not D.shouldn't 5.The ground is wet.It have rained last night. A.must B.mustn't C.can't D.should 6.-Why didn't Tom come to the party? —He have been busy with his work. A.must B.could C.should D.need 7.I can't find my key.I have left it in the office. A.must B.might C.should D.need 8.-I saw Mary in the library just now. -It be her.She is on holiday in London. A.must B.can C.can't D.might 语法专练二：语法填空(10题) 用括号内所给情态动词的正确形式填空（可加have done或be doing等结构）。 1.You look pale.You be ill. 2.I can't find my keys.You have left them at home. 3.The ground is wet.It have rained last night. 4.He be at home now because I saw him in the office a moment ago. 5.She have arrived by now,but the traffic is heavy. 6.They not know the truth.Let's tell them. 7.Who is knocking at the door?It be Mary. 8.I think he be joking. 9.The light is on.He be reading. 10.He have forgotten the appointment. 参考答案 语法专练一：单项选择 1.A;2.A;3.C;4.B;5.A;6.B;7.B;8.C 语法专练二：语法填空 1.must;2.might;3.must;4.can't;5.should;6.may; 7.could;8.must;9.must;10.might 教材同步文章句型精讲 重点句型 新西兰与毛利文化 1.we can see beautifully carved wooden architecture. 结构：be used to+n./doing或be used to do或be made to do 中文：我们可以看到雕刻精美的木结构建筑。 用法：used to表示过去常常，be used to表示习惯于，be used to do表示被用来做。 2.The Waka is a traditional canoe that has been skillfully carved out of a tree trunk. 结构：主语+have/has+been+过去分词 中文：瓦卡是一种传统独木舟，它由树干精心雕刻而成。 用法：强调过去发生的动作对现在的影响，且主语是承受者。 3.it was the ethnic minority group known as the Maori who were the first to settle there. 结构：名词A+(逗号/破折号)+名词/名词短语 中文：正是被称为毛利人的少数民族首先在那里定居。 用法：同位语对前面的名词进行补充说明。 4.It is an essential part of what makes New Zealand the modern country that it is... 结构：It+be+形容词/名词+真正的主语(todo/hat从句) 中文：它是使新西兰成为今天这个现代国家的重要组成部分。 用法：t作形式主语，避免头重脚轻。 5.countless objects and masks that were made to honour our ancestors or legends 结构：先行词+关系代词(that/which/who/whom/whose)+从句 中文：无数为了纪念祖先或传说而制作的物品和面具。 用法：关系代词引导定语从句修饰先行词。 考点通关 文章句型 练习一：完成句子（用所给词的适当形式填空） 1.The Maori were the first people (settle)in New Zealand. 2.The Waka has been beautifully (carve)to show tribal history. 3.I am used to (drink)a cup of tea in the morning 4.The boy (name)Tom is my best friend. 5.A new bridge (build)in our city last year. 6.It is important (learn)about different cultures. 7.The school (found)in 1920 is very famous. 8.He didn't pass the exam, _made his parents very sad.(用关系代词填空) 9.The museum we visited last week is closed today.(用关系代词填空) 10.She is the girl handwriting is the best in our class.(用关系代词填空) 练习二：翻译句子（在横线上写出完整句子） 1.新西兰是被人类最后发现的国家之一。 2.他们给这个国家取名“奥特亚罗瓦”一“长白云之乡”。 3. 传统独木舟是从树干中精心雕刻出来的。 4. 据说接受“莫科”纹身是一种巨大的荣誉。 5.不放弃是成功的关键之一。 6.这种舞蹈通常在有特殊宾客时表演。 7.我已经习惯了早起。 8.游客可以参观那些为了纪念祖先而建造的建筑。 9.这就是那个面具是为后代保存故事的地方。 10.了解不同文化很重要。 参考答案 练习一：完成句子 1.to settle;2.carved;3.drinking;4.named;5.was built;6.to learn;7.was founded;8.which;9.which that;10.whose 1.New Zealand was one of the last countries to be discovered by humans.2.They named the country "Aotearoa"-the "Land of the Long White Cloud".;3.The traditional canoe is skillfully carved out of a tree trunk.;4.It is said that receiving moko is a great honour.;5.Not giving up is one of the keys to 练习二：翻译句子 success.;6.This dance is usually performed when there are special guests.7.I have got/am used to getting up early. 8.Tourists can visit buildings that were built to honour ancestors.9.This is the place where the mask was made to preserve a story for future generations.;10.It is important to learn about different cultures. 教材同步单元练习 一、阅读理解 Passage 1 The concept of"opportunity cost"is one of the most fundamental in economics,yet its application extends far beyond textbooks into the very fabric of our daily decision-making.In essence,opportunity cost refers to the value of the next best altemative that you forgo when you make a choice.It is the road not taken,the path not chosen. Consider a high school graduate deciding between attending university or starting a job immediately.The cost of university is not merely tuition,fees,and living expenses-it is also the salary the student would have earned during those four years.Conversely,the cost of entering the workforce immediately is the potentially higher lifetime earnings and personal fulfillment that a college degree could have provided This trade-off is the heart of opportunity cost. For centuries,traditional financial wisdom has focused on the"cost"of something as its price tag. However,modem behavioral economics suggests that our perception of value is profoundly shaped by these hidden costs.For example,a person might choose to drive an hour to save $5 on a $20 item,but would not do the same to save $5 on a $200 item.In both cases,the saving is identical,but the context- the ratio of saving to total cost-changes our perception of the bargain." This concept becomes even more poignant when applied to our most precious resource:time.Every hour spent watching television or scrolling through social media has an opportunity cost.That hour could have been spent leamning a new skill,exercising,building a meaningful relationship,or investing in a side business.The tragedy is not that we choose entertainment,it is that we often fail to recognize the real cost of our inaction. Furthermore,the opportunity cost of debt is particularly high.Every dollar used to pay interest on a credit card or loan is a dollar that cannot be invested,saved,or used to create future value.This creates a cycle where the present cost of past decisions cripples future potential.Understanding this can transform personal finance from a chore of tracking expenses into a strategic game ofmaximizing future options. Perhaps the most liberating aspect of opportunity cost is that it empowers us.By acknowledging that every "yes"is a "no"to something else,we are forced to be more intentional with our commitments.It shifts the question from"Can I afford it?"to "What is the best use of my resources at this moment?"This subtle change in perspective is what separates those who build wealth and meaningful lives from those who merely accumulate possessions. Finally,it is crucial to remember that opportunity cost is not about regret.It is a tool for clarity.It helps us understand that the pain of eamning a degree is a temporary price for a long-term gain,or that the comfort of a stable job might carry the hidden cost of an unfulfilled passion.In the grand calculus of life, recognizing what we are giving up is the first step toward choosing wisely. ()1.What does the first paragraph mainly introduce? A.The history of economic theory. B.The basic definition of opportunity cost. C.The difference between price and value. D.The common mistakes in financial planning. ()2.Why does the author use the example of a high school graduate? A.To show the difficulty of making a choice. B.To illustrate the trade-offin real life. C.To argue that university is always better. D.To emphasize the high cost of tuition fees. ()3.What does the author say about the opportunity cost of debt? A.It is easier to manage than other costs. B.It can prevent future financial growth. C.It is mostly psychological. D.It encourages spending on credit ()4.What is the suggested benefit of understanding opportunity cost? A.It helps people save more money B.It reduces the risk of making mistakes. C.It forces people to be more puposeful. D.It allows people to avoid all regrets ()5.What is the author's overall attitude towards the concept of opportunity cost? A.Critical and negative. B.Neutral and objective. C.Supportive and encouraging D.Skeptical and cautious. Passage 2 In an era defined by instant gratification and the constant pressure of consumerism,a growing number of individuals are challenging the status quo by embracing a philosophy called Zero-Based Budgeting." Unlike traditional budgeting,which starts with last month's spending and adjusts for the new month, Zero-Based Budgeting(ZBB)requires you to assign every single dollar of your income a specific"job" before the month begins,ensuring that income minus outgoings equals exactly zero at the start of the period. The origin of ZBB lies in corporate finance,where companies use it to justify every expense rather than simply rolling costs forward.In the 1970s,it was famously adopted by companies to cut waste.However, its transition into personal finance has been a quiet revolution.Proponents argue that ZBB is not about being cheap;it is about being intentional.Every dollar is a soldier with a mission,and nothing is left to chance. For the typical family,implementing ZBB can be a profound exercise in self-awareness.It involves a three-step process:first,track every source ofincome.Second,list every anticipated expense,from the mortgage or rent down to the daily coffee.Third,and most crucially,allocate every remaining dollar to specific goals,such as saving for a new car,investing for retirement,or even planning for next year's vacation.The goal is to"give your money a name,"leaving no idle cash that might be wasted. The psychological payoff is significant.Many users report a sense of empowerment and control that is missing from other budgeting methods.When every purchase is pre-planned,impulse buying becomes a premeditated decision that must draw from a designated"fun money"category.This creates a fiiction that often kills the desire to overspend. However,ZBB is not without its criticism.Critics point out that it can be time-consuming and rigid. Unexpected expenses,such as a burst pipe or a medical bill,can throw the entire system into chaos Futhermore,for those with variable incomes,like freelancers or gig workers,assigning every dollar a job when the total amount is unknown can feel like trying to paint a moving target. Despite these challenges,the core principle ofZBB-intentionality-remains powerful.It forces individuals to constantly ask,"Is this the best use of my resources right now?"This question,borrowed from the concept of opportunity cost,is the same one that drives successful entrepreneurs and investors. For many,the joumey of a thousand financial miles begins with the single,intentional act of telling their next dollar where to go. In the end,ZBB is not a magic bullet.It requires discipline and a willingness to face one's spending habits honestly.But for those who can embrace its rigor,it offers a clear path toward financial freedom,a way to stop living paycheck to paycheck,and a method to align spending with deeply held values. ()1.What is the key feature of Zero-Based Budgeting (ZBB)? A.It prioritizes saving over spending. B.It cuts all unnecessary luxury expenses. C.It allocates every dollar ofincome in advance. D.It records expenses after they are made. ()2.Why does the author mention the origin ofZBB in companies? A.To prove it is too complex for individuals B.To show it was a failed corporate strategy. C.To highlight its historical success in waste reduction. D.To compare it with personal finance methods. ()3.According to paragraph 4,how does ZBB help with impulse buying? A.By increasing the cost of goods. B.By removing the need for a shopping list. C.By requiring a planned budget category for impulse purchases. D.By banning any form of spontaneous spending. ()4.What is a major drawback of ZBB mentioned in paragraph 5? A.It is only suitable for high-income earners. B.It cannot handle unexpected costs well. C.It encourages too much risk-taking D.It fails to teach the value ofmoney ()5.What is the author's final opinion on Zero-Based Budgeting? A.It is a flawed system that rarely works. B.It is a flexible method for all income types. C.It is a demanding but potentially rewarding approach. D.It is best left to corporate finance managers. 二、完形填空 Jennifer,a 35-year-old graphic designer,had always been a careful spender.However,after a period of stress,she found herself trapped in a cycle of debt she never thought possible.It started small-a new coat she didn't need,a weekend getaway she couldn't(1) afford.But soon,she was using her credit card to pay for groceries "I was living a lie,"she later(2) ."I told myself I was just treating myself,but I was just spending money I didn't have."Her credit card debt grew to over $15,000,and the minimum monthly (3) payments barely touched the principal.The interest alone was a huge(4) on her income. Feeling hopeless,she decided to take a radical step.She stopped using credit cards(5) entirely. She withdrew a set amount of(6) cash each week for all her variable expenses-food,gas, entertainment.This forced her to think (7) carefully about every single purchase. "It was painful at first,"she says."I had to learn to say no to myself.I stopped eating out and started cooking at home.I(⑧) borrowed books from the library instead of buying new ones."The strategy was simple but effective.By paying (9) items with cash,she felt the physical weight of losing her money,which made her(10) more fiugal After a year of strict budgeting,she had reduced her debt to $8,000."I made a(11) bargain with myself:if I could pay off the rest in six months,I would take a small vacation."The final (12) off of the debt was a moment of pure triumph. Today,Jennifer lives debt-free and has built a (13) of$5,000.She uses a system where she (14) a small "fun"allowance for herself,but every major purchase is carefully planned."The value of money isn't in what it can buy you today,"she says."It's in the (15) it can give you tono1ow.” 1.A.really B.hardly C.truly D.barely 2.A.admitted B.dreamed C.complained D.doubted 3.A.bills B.payments C.salaries D.taxes 4.A.drain B.source C.benefit D.reward 5.A.completely B.partly C.carefully D.secretly 6.A.extra B.saving C.cash D.borrowed 7.A.more B.less C.little D.much 8.A.borrowed B.lent C.purchased D.discovered 9.A.with B.for C.off D.up 10.A.act B.feel C.become D.decide 11.A.firm B.fragile C.strict D.fair 12.A.payment B.purchase C.discount D.credit 13.A.debt B.loan C.bargain D.savings 14.A.takes in B.sets aside C.puts up D.gives away 15.A.freedom B.happiness C.interest D.trouble 三、阅读短文回答问题 Read the following passage and answer the questions using complete sentences The relationship between money and happiness has been a subject of debate for centuries.A famous study by Nobel Prize-winning economist Daniel Kahneman and economist Angus Deaton found that while higher income generally correlates with higher life satisfaction,the emotional well-being (the frequency and intensity ofjoy,stress,sadness,etc.)plateaued at an annual income of around $75,000 in the United States(adjusted for inflation).Beyond this point,additional money did little to improve daily happiness. This study suggests that the primary role of money is to meet basic needs and reduce financial stress. Once those needs are metshelter,food,security-the returns on happiness from extra money diminish. People begin to adapt to new levels ofluxury quickly,a phenomenon known ashedonic adaptation." That new car that brought you joy for a week soon becomes just another vehicle. However,more recent research has challenged this idea,arguing that there is no clear income plateau for happiness.A study by psychologist Matthew Killingsworth showed that for most people,happiness continues to rise with income,even beyond $75,000.The key difference?He measured happiness as "experienced well-being"in real-time,rather than overall life satisfaction. So,does money buy happiness?The answer appears to be:it's complicated.Money can certainly buy comfort,security,and access to experiences,which can increase happiness.But buying material goods rarely brings lasting joy.Instead,spending money on experiences(travel,concerts,learning new skills)or on others(charity,gifts for fiiends)tends to produce more durable happiness. Ultimately,the evidence suggests that the way we use our money matters more than how much we have Being financially literate,avoiding debt,and using resources strategically to improve life quality and reduce anxiety-these are the real keys to translating financial wealth into emotional wealth.The value of money,it seems,is not in the currency itself,but in the stories,choices,and freedoms it enables 1.What did Kahneman and Deaton's study conclude about the link between happiness and income?(2 points) 2.What is "hedonic adaptation"as mentioned in the passage?(2 points) 3.How did Killingsworth's study differ from Kahneman and Deaton's in terms of measuring happiness? (2points) 4.According to the passage,which type of spending leads to more durable happiness?(2 points) 5.What is described as the"real key"to translating financial wealth into emotional wealth?(2 points) 四、短文填空 阅读下面短文，在空白处填入1个适当的单词或括号内单词的正确形式。 A wise man once said,"The value of a thing is not what you pay for it,but what it costs you to(1) it.This is the core of financial wisdom When we decide to take out a(2) from a bank to buy a car,we must consider not only the car's price but also the total interest.If we(3) $20,000,the bank may (4) us the money, but we will end up paying back much more over time.This is how people get into(5) .To avoid this,we must learn to (6) with sellers and look for the best (7) A good(8) is not just about a low price,it's about paying a fair price for something that holds its value. Many young people make the mistake of using (9) to buy things they can't afford,and then struggle to (10) off their bills.Instead,we should learn to use(11) for daily purchases.While buying a new phone on(12) credit might feel easy,paying for it with cash makes us feel the real cost. In the end,the goal is to make wise(13) We should not be afraid to invest in things that will (14) offin the future,like education or skills.But we must be careful about"cheap"items that lead to long-term (15) 1. 2. 3. 4. 5. 6. 7 8. 9. 10. 五、写作 假设你是李华，你的英国朋友Pter写信向你倾诉。他最近非常焦虑，因为他的同学都穿名牌衣 服、使用最新款的手机。他认为自己也必须拥有这些才能“显得成功”，因此他向父母要钱购 买，甚至考虑从同学那里借钱。请你给他写一封回信，表达你的观点。 1.对他的处境表示理解： 2.提出你对“金钱价值”的看法（金钱≠成功）： 3.给他一些建议（例如：如何合理消费、如何建立正确的金钱观）。 注意： 1.词数100-120左右； 2.可以适当增加细节，使文章连贯： 3.开头和结尾已经为你写好。 Dear Peter, I'm sorry to hear that you're feeling anxious about money and how you compare to others. I completely understand your situation;it's easy to feel pressured when everyone around you seems to have the latest things. However,I tuly believe that the value of a person is not measured by their clothes or gadgets.True success comes from character,knowledge,and being content with what you have.Borrowing money to buy expensive items will only lead to stress and debt. My advice is:leamn to say no"to unnecessary purchases.You don't need a high price tag to be successful.Try to save your pocket money for something meaningful,like a book or a course.Remember, the best things in life-fiiendship,health,and dreams-are free. Best wishes, Li Hua 参考答案 Passage 1:1.B 2.B 3.B4.C5.C 阅读理解 Passage 2:6.C 7.C8.C9.B 10.C 二、完形填空1.A2.A3.B4.A5.A6.C7.A8.A9.B10.C11.A12.A13.D14.B15.A 1.Kahneman and Deaton's study found that while higher income correlates with higher life satisfaction,emotional well-being plateaued at around $75,000 per year. 2.Hedonic adaptationis the phenomenon where people quickly retum to a relatively stable level ofhappiness despite major positive or negative events,such that a new 三、阅读短文lxuy becomes nomal. 回答问题 3.Killingsworth measured "experienced well-being"in real-time,rather than overall life satisfaction. 4.Spending money on experiences or on others leads to more durable happiness. 5.Being financially literate,avoiding debt,and using resources strategically to improve life quality and reduce anxiety is the real key. 1.purchase 2.loan 3.borrow 4.lend 5.debt 6.bargain 7.discount 8.bargain 9.credit 四、短文填空 10.pay 11.cash 12.credit 13.purchases 14.pay 15.debt