Conversation One

　　M: Money is a big issue for every one of us. I have some practical tips on saving money. Do you want to have a try?

　　W: I’d love to. I’m badly off for a plan to cut down on unnecessary spending and save some money for rainy days.

　　M: Ok, the first tip is to find your hidden money and put it in your savings account.

　　W: Hidden money?

　　M: Yes. It refers to the money you put somewhere in your home, office or even your car.

　　W: Right. I remember I get some change in my car. I usually put the change there each time I go to the gas station.

　　M: You know, people just have the habit of leaving money behind unconsciously.

　　W: Yes. I usually toss pocket change each night into a jar near the door when I get home after work.

　　M: Yes, find them, and put them into your bank account.

　　W: Ok, I’ll take your advice, and do it first thing tomorrow.

　　M: Though it may not be a big sum each time, keep doing it and eventually your money will grow.

　　W: Sounds good. By and by, I might find a handsome sum of money in my account.

　　M: But, it takes time. So, please be patient and persistent in your money saving.

　　W: I know, it will be a long journey.

　　M: So, you should be psychologically prepared for that. My second tip is to avoid using an online bank.

　　W: Is it very hard for me to use an online bank?

　　M: No, it’s convenient to manage your money in an online bank. But, it may pose a major threat to your money-saving plan. Since the money you saved is just a few clicks away, you’re easy to give in to the temptation to shop online or withdraw money to cover a bill.

　　W: I think I’ll find an off-line bank which is far away from my home, to keep the money I saved.

　　Questions 1 to 4 are based on the conversation you have just heard.

　　1. What is the man’s first tip for saving money?

　　2. Why does the woman get some change in her car?

　　3. For what reason does the man advise the woman to avoid an online bank?

　　4. What will the woman decide to do at the end of the conversation?

　　1. A 2. B 3. A 4. C