2002年全国硕士研究生英语试题参考答案

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　　（二）

　　W：If youre in your 20s，you own your first car，your career is more or less launched，and youre starting to look forward to owning a home.But youre worried，too.Perhaps youve got some debt.You probably dont have much in the way of savings.And with all your expenses，it doesnt look like youll be able to improve that situation soon.

　　If you wonder how to cut corners，theres an obvious place to look-at your spending habits.

　　Do you buy a soda each weekend？Waste $ 1 a day for 40 years and，when youre set to retire，youll find your account is short by $ 190，000.Grab a calculator and youll discover that，over 40 years going out to dinner twice a month at $ 40 each time amounts to half a million.Even a pack-a day cigarette habit will lighten your retirement account by $ 330，000.And the same with cable TV and those cool earrings.They will probably amount to as much as one million.

　　So，the first clue to accumulating wealth is this：focus on your spending habits.Here are a couple of tricks to help you save even if you swear you cant afford to. Stop buying things that fall rather than rise in value.Pay yourself first：Before you pay the monthly bills，send $ 25 to a mutual fund. Stop spending coins.From nwo on，spend only paper currency，and keep the change every day.Get your family involved，and youll double your savings.Use discount tickets at the supermarket—but use them correctly.How？ If you really want to make these tickets worthwhile，you actually must invest into your mutual fund the amount you save by using the tickets.Otherwise，youre wasting your time—and your money.

　　M：You now have 30 seconds to check your answers to Questions 14-16.

　　（三）

　　W：Mr. Glieberman，do you see any change in the high rate of broken marriages？

　　M：The divorce rate is beginning to level off and probably will begin to drop in the next year or two，though not significantly.The tight economy has made it more difficult for troubled couples to handle all the costs associated with setting up separate house-holds.Also，I believe theres a comeback of thought—after the turbulent60s and70s—that the family does have value.In the midst of change and family disintegration， people seem to have a greater desire now to create stability in their lives.

　　W：What is the divorce rate now？

　　M：About 1 in 3 marriages ends in divorce，a ratio far higher than it was 20 years ago when the philosophy was “Well tough it out no matter what.Society demands that，for appearances sake，we stay together.”

　　Divorce no longer carries much disgrace.Theres no way，for example，that Ronald Reagan，a divorced man，could have been elected President in 1960.And there are countless other divorced politicians who years ago would have been voted out of office if they had even considered a divorce， let alone gotten one.

　　The same was true in the corporate structure，where divorced people rarely moved up the executive ladder.Now corporations welcome a divorced man，because they can shift him around the country without worrying about relocating his family or making certain that they are happy.