問題詳情

第一篇:    Just like your IQ, or intelligence quotient, which indicates how capably you comprehend things, your“financial IQ” is a measure of your financial cleverness – how well you deal with money. A low financial IQ meansyou handle your wealth poorly or irresponsibly, while a high financial IQ helps you make wise decisions aboutmoney and take the right action to improve your financial circumstances. Following are some simple but importanttips for being a financially intelligent person.    First of all, start saving while you are young. When you have money in your pocket, the impulse to spend itcan be very strong. Avoid running to the mall or shopping online when you get your paycheck; instead, if you putaway a small amount of money into a savings account each week or month and earn interest, your money will grow.Always keep in mind: a penny saved is a penny earned, and do it early because it takes time to accumulate wealth.The second advice is to live within your means. The secret to financial success is spending less than you earn.If you make a good income but spend it all, you are by no means rich or financially secure. If you lose your job orget seriously ill, you will have nothing to fall back on. People who make less money than you but don’t spend it allare actually much wealthier because they are able to cope with emergencies that arise. Fortunately, today’stechnology makes personal money management easier than ever. Financial planning software can help you keep abudget by adding up your income and expenses and keep track of your spending at all times.    One more thing worth attention is to be a careful user of your credit cards. It is a lot easier – and sometimessafer – to pay with a credit card than to carry around all that cash in your pocket or purse. However, it is also easyto get into trouble with credit cards if you regard and use them as a substitute for money you don’t have or haven’tearned yet. If you charge so much that you can’t keep up with your monthly bills, interest charges will quickly addup. Going into credit card debts is definitely a sure sign of low financial IQ.

1. Which of the following is NOT included in the article as one of the tips for raising one’s financial IQ?
(A) Using credit cards carefully.
(B) Buying low-risk stocks.
(C) Keeping a positive balance between income and expenses.
(D) Putting money into banks.

參考答案

答案：B
難度：簡單0.736842
統計：A(5),B(42),C(7),D(3),E(0)

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