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聽力文本：
Passage 3
短文三
Research studies of women in North America have found that women are far more likely to save for their children's education, and they are also more likely to save up in order to buy a house one day.
對北美女性進行的調查研究發現，兩個最有可能讓她們決定存錢的的原因是孩子的教育和購買房屋。
The same studies have found that men, on the other hand, tend to save for a car.
而類似的研究發現，男性存錢的目的往往是買車。
But the other main priority for men when saving money is their retirement.
但是男性存錢的另一個重要原因是養老。
When they're earning, they're far more likely to put money aside for their old age than women are.
又賺錢能力的時候，男性比女性更趨向于為養老做準備。
This is rather disturbing, because in fact the need for women to save for their old age is far greater than for men.
這一現象令人十分不安。因為事實上女性為養老存錢的必要遠遠超過男性。
To start with, it is a fact that throughout the world, women are likely to live many years longer than men, so they need money to support them during this time.
首先，女性比男性壽命長——這在世界上各個國家都是一個不爭的事實，因此在伴侶辭世之后她們才更需要錢來養活自己。
Furthermore, the high divorce rates in North America are creating a poverty cycle for women.
其次，北美國家的高離婚率使很多女性陷入貧困循環。
It is the divorced women who will most often have to look after the children and thus they need more money to look after not just themselves but others.
離婚的女性往往是單獨撫養孩子的一方，因此除了養活自己之外她們還有另外的負擔。
Women today need to look ahead, think ahead. They can be given advice on different ways of saving.
如今的女性需要目光長遠。她們其實有很多可以省錢的途徑。
Many women are unwilling to invest in stocks and shares, for instance, but these can be extremely profitable.
比如，很多女性不愿意投資證券股票，但是這其實是極其高回報的理財方式。
It is usually advised that at least 70% of a person's savings should be in low-risk investments but for the rest, financial advisors often advise taking some well-informed risks.
一個人存款的70%應該進行低風險投資，而剩下的30%，理財專家經常建議將其用于一些有把握的高風險投資。
Initiatives such as this can give women the economic skills and knowledge they need for a comfortable, independent retirement.
類似的專家建議可以讓女性掌握一些理財技巧和知識，以保她們獨立地安享晚年的。
Questions 23-25 are based on the passage you have just heard.
請根據你剛聽到的短文回答23-25題。
23. What do the studies of women in North America find?
23.對北美女性的研究有什么發現？
24. Why is the need for women to save greater than men?
24.為什么女性比男性更需要攢錢？
25. How should women do with their saving?
25.女性應該怎樣管理自己的存款？
譯文屬可可原創，僅供學習和交流使用，未經允許不得轉載
