2020届二轮复习阅读理解热点话题专题之十：智能手机让我们花的更多

2020届二轮复习阅读理解热点话题专题之十：智能手机让我们花的更多

‎2020届二轮复习阅读理解热点话题专题之十：智能手机让我们花的更多Smart phones make us spend more USA today 读前导读：‎ 手机支付越来越普及，出门不带现金的人数正在迅速增加。一项针对中国互联网企业用户的调查显示，40%的人随身只携带100元以下的现金，不带现金的占14%。不带钱反而花钱更多，这究竟是为什么呢？如何避免以避免挥霍或计划外支出呢？‎ 一：高级实词荟萃 1. overspend /ˌəʊvəˈspend/ v. ‎ 2. smartphone /ˈsmɑːtfəʊn/ n.‎ 3. ‎ mobile /ˈməʊbaɪl/ adj. ‎ 4. typically /ˈtɪpɪk(ə)li/ adv. ‎ 5. purchase /ˈpɜːtʃəs/ v./n. ‎ 6. item /ˈaɪtəm/ n. ‎ 7. checklist /ˈtʃeklɪst/ n. ‎ 8. level /ˈlev(ə)l/ n. ‎ 9. appeal /əˈpiːl/ n. ‎ 10. app /æp/ n. ‎ 11. payment /ˈpeɪmənt/ n. ‎ 12. chief /tʃiːf/ adj. ‎ 13. analyst /ˈænəlɪst/ n. ‎ 14. innovation /ˌɪnəˈveɪʃ(ə)n/ n. ‎ 15. contactless /ˈkɒntæktləs/ adj.‎ 16. ‎ loan /ləʊn/ n. ‎ 17. separate /ˈsep(ə)reɪt/ v. ‎ 18. folks /fəʊks/ ‎ 19. aside from ‎ 20. merchant /ˈmɜːtʃ(ə)nt/ n. ‎ 21. target /ˈtɑːɡɪt/ v. ‎ 22. consumer /kənˈsjuːmə(r)/ n. ‎ 23. Instagram ‎ 24. millennial /mɪˈleniəl/ n. ‎ 1. data /ˈdeɪtə/ n. ‎ 2. meanwhile /ˈmiːnwaɪl/ adv. ‎ 3. major /ˈmeɪdʒə(r)/ adj. ‎ 4. retailer /ˈriːteɪlə(r)/ n. ‎ 5. fintech /ˈfɪntek/ = financial technology ‎ 6. layaway ‎ 7. spur /spɜː(r)/ v. ‎ 8. boost /buːst/ v. ‎ 9. tend /tend/ v. ‎ 10. transaction /trænˈzækʃ(ə)n/ n. ‎ 11. frequency /ˈfriːkwənsi/ n. ‎ 12. negative /ˈneɡətɪv/ adj. ‎ 13. impact /ˈɪmpækt/ n. ‎ 14. overall /ˌəʊvəˈrɔːl/ adj. ‎ 15. 16. financial /faɪˈnænʃ(ə)l/ adj. ‎ 17. advocate /ˈædvəkət/ n. ‎ 18. budget /ˈbʌdʒɪt/ n. ‎ 19. track /træk/ v. ‎ 20. income /ˈɪnkʌm/ n. ‎ 21. expense /ɪkˈspens/ n. ‎ 22. maintain /meɪnˈteɪn/ v. ‎ 23. unplanned /ʌnˈplænd/ adj. ‎ 24. expenditure /ɪkˈspendɪtʃə(r)/ n. 开支 25. lastly /ˈlɑːstli/ adv. ‎ 26. tempting /ˈtemptɪŋ/ adj. ‎ 27. interest /ˈɪntrəst/ n. 利息 28. fine /faɪn/ adj. ‎ 29. unwelcome /ʌnˈwelkəm/ adj. ‎ 30. form /fɔːm/ n. ‎ 31. debt /det/ n. ‎ 32. repayment /rɪˈpeɪmənt/ n. ‎ 二：高级词汇拓展 1. major /ˈmeɪdʒə(r)/ adj. 主要的、大的 n大多数______________________‎ 2. frequency /ˈfriːkwənsi/ n. 频率 adv 频繁的 _________ adj频繁_________‎ 3. impact /ˈɪmpækt/ n. 影响 vt影响_________‎ 4. financial /faɪˈnænʃ(ə)l/ adj. 财务的 n财政 _________ adv财政地_________‎ 1. maintain /meɪnˈteɪn/ v. 维持、保持 n 维护_________‎ 2. unplanned /ʌnˈplænd/ adj. 未计划的 vt 计划________ adj计划的 _________‎ 3. tempting /ˈtemptɪŋ/ adj. 诱人的 vt诱惑_________‎ 4. interest /ˈɪntrəst/ n. 利息 adj有趣的_________‎ 5. unwelcome /ʌnˈwelkəm/ adj. 不想要的 adj 环印的_________‎ 三：高级短语荟萃 1. check out ‎ 2. in other words ‎ 3. end up ‎ 4. add up ‎ 5. vice president ‎ 6. late fee ‎ 7. later on ‎ 8. credit card ‎ 原汁文章思维能力提升训练 Overspending at the holidays isn't a new problem, but a modern culprit may now be to blame: the smart phone.‎ Mobile wallets like Apple Pay or Google Pay typically are free, and people can use them to quickly purchase an item in a store or online. That can be dangerous during the holidays, when checklists are long and stress levels high.‎ ‎"That's a lot of the appeal of these apps and these kinds of new mobile payments," says Matt Schulz, chief industry analyst at CompareCards.com. But, he adds, "Much of the innovation that's going on now, whether it's contactless credit cards or apps or personal loans, is to separate folks from their money more easily and more quickly."‎ Aside from mobile payment apps, merchants are also directly targeting consumers through ads on Instagram and other social media services. Mobile wallets and social media purchases are particularly popular with millennials and Gen Z consumers, according to new data from Salesforce.com.‎ Meanwhile, point-of-sale loans also encourage higher spending. These loans are offered by thousands of merchants including major retailers like Walmart, and through fintech firms such as Affirm and Afterpay when you check out.‎ Instead of paying upfront（提前）, these loans allow consumers to pay for a purchase over a number of weeks or months, or what Schulz describes as "layaway without the wait.” But they can spur consumers to spend more, with Affirm saying consumers boost their average order by about 90% when offered one of their loans.‎ Consumers who use mobile wallets tend to spend 2.4% more on the typical transaction, according to the study from the University of Illinois at Urbana-Champaign. That might not seem like a lot, but consumers boosted the frequency of transactions by 24% when using mobile wallets. In other words, consumers end up spending more because they tend to buy more frequently when using mobile apps.‎ ‎"Small, regular purchases add up and, if you're not careful, this spending can have negative impact on your overall financial health," says Dana Marineau, vice president and financial advocate at Credit Karma.‎ Don't start your holiday shopping without a budget, says Schulz. Aside from tracking your regular income and expenses, maintain a list of what you want to buy for friends and family members to avoid splurges（乱花钱） or unplanned expenditures.‎ Lastly, research point-of-sale loans before jumping into one, no matter how tempting it might be. Some loans charge interest, while others make money by charging late fees. Understanding the fine print will help you avoid an unwelcome surprise later on. And remember that these loans are another form of debt that are approved within seconds but lock you into months of repayments.‎ 1. What is the main idea of the passage?‎ 1. Is it a good thing that Mobile wallets like Apple Pay or Google Pay typically are free? Why?‎ 2. According to Matt Schulz , what is the purpose of the newly innovation such as contactless credit cards or apps or personal loans 3. According to Dana Marineau, what can have negative impact on consumers’ overall financial health?‎ 4. Why do smart phones make consumers spend more?‎ ‎6. How can consumers avoid spend more money?‎ 五：报刊复杂句式品鉴。‎ ‎1. But they can spur consumers to spend more, with Affirm saying consumers boost their average order by about 90% when offered one of their loans.‎ ‎2. Consumers who use mobile wallets tend to spend 2.4% more on the typical transaction, according to the study from the University of Illinois at Urbana-Champaign.‎ ‎3. Some loans charge interest, while others make money by charging late fees. Understanding the fine print will help you avoid an unwelcome surprise later on.‎ 双语赏析 Smart phones make us spend more USA today Overspending at the holidays isn't a new problem, but a modern culprit may now be to blame: the smart phone.‎ 假期超支并不是一个新问题，但现在一个现代的罪魁祸首可能是智能手机。‎ Mobile wallets like Apple Pay or Google Pay typically are free, and people can use them to quickly purchase an item in a store or online. That can be dangerous during the holidays, when checklists are long and stress levels high.‎ 苹果支付（Apple Pay）或谷歌支付（googlepay）等移动钱包通常是免费的，人们可以使用它们在商店或网上快速购买商品。在假期里，当清单很长，压力很大的时候，这是很危险的。‎ ‎"That's a lot of the appeal of these apps and these kinds of new mobile payments," says Matt Schulz, chief industry analyst at CompareCards.com. But, he adds, "Much of the innovation that's going on now, whether it's contactless credit cards or apps or personal loans, is to separate folks from their money more easily and more quickly."‎ CompareCards.com首席行业分析师马特·舒尔茨（Matt Schulz）表示：“这些应用和新型移动支付的吸引力很大。但是，他补充道，“现在发生的很多创新，无论是非接触式信用卡、应用程序还是个人贷款，都是为了更容易、更快地将人们与他们的钱分离。”‎ Aside from mobile payment apps, merchants are also directly targeting consumers through ads on Instagram and other social media services. Mobile wallets and social media purchases are particularly popular with millennials and Gen Z consumers, according to new data from Salesforce.com.‎ 除了移动支付应用，商家还通过Instagram和其他社交媒体服务上的广告直接瞄准消费者。Salesforce.com的最新数据显示，手机钱包和社交媒体购物尤其受到千禧一代和Z一代消费者的欢迎。‎ Meanwhile, point-of-sale loans also encourage higher spending. These loans are offered by thousands of merchants including major retailers like Walmart, and through fintech firms such as Affirm and Afterpay when you check out.‎ 同时，销售点贷款也鼓励增加支出。这些贷款由包括沃尔玛等大型零售商在内的数千家商户提供，并通过Affirm和Afterpay等金融科技公司在您结账时提供。‎ Instead of paying upfront（提前）, these loans allow consumers to pay for a purchase over a number of weeks or months, or what Schulz describes as "layaway without the wait.”But they can spur consumers to spend more, with Affirm saying consumers boost their average order by about 90% when offered one of their loans.‎ 这些贷款不是预付款，而是允许消费者在数周或数月内支付购买费用，或者舒尔茨所说的“无需等待就可以分期付款”。但它们可加支出，Affirm表示，当提供一笔贷款时，消费者的平均订单会增加90%左右。‎ Consumers who use mobile wallets tend to spend 2.4% more on the typical transaction, according to the study from the University of Illinois at Urbana-Champaign. That might not seem like a lot, but consumers boosted the frequency of transactions by 24% when using mobile wallets. In other words, consumers end up spending more because they tend to buy more frequently when using mobile apps.‎ 根据伊利诺伊大学香槟分校（University of Illinois at ‎ Urbana-Champaign）的研究，使用移动钱包的消费者在典型交易上的花费往往要多出2.4%。这似乎不是很多，但消费者使用移动钱包时，交易频率提高了24%。换句话说，消费者最终会花更多的钱，因为他们在使用移动应用程序时往往会更频繁地购买。‎ ‎"Small, regular purchases add up and, if you're not careful, this spending can have negative impact on your overall financial health," says Dana Marineau, vice president and financial advocate at Credit Karma.‎ CreditKarma的副总裁兼财务倡导者DanaMarineau说：“小规模、经常性的购买加起来，如果你不小心，这些支出可能会对你的整体财务健康产生负面影响。”。‎ Don't start your holiday shopping without a budget, says Schulz. Aside from tracking your regular income and expenses, maintain a list of what you want to buy for friends and family members to avoid splurges（乱花钱） or unplanned expenditures.‎ 舒尔茨说，不要在没有预算的情况下开始你的假日购物。除了跟踪你的日常收入和支出外，还要列出你想给朋友和家人买的东西，以避免挥霍或计划外支出。‎ Lastly, research point-of-sale loans before jumping into one, no matter how tempting it might be. Some loans charge interest, while others make money by charging late fees. Understanding the fine print will help you avoid an unwelcome surprise later on. And remember that these loans are another form of debt that are.‎ 最后，在进入销售点贷款之前，不管它有多诱人，都要对其进行研究。有些贷款收取利息，而另一些则通过收取滞纳金来赚钱。理解这些细节将有助于你避免以后不受欢迎的惊喜。记住这些贷款是另一种形式的债务。‎