地特三等
110年
[一般行政] 法學知識與英文(包括中華民國憲法、法學緒論、英文)
第 50 題
📖 題組：
Turns out that “coupling” doesn’t just mean “pairing” in the traditional sense, but is also a catchphrase when it comes to finances. As we head into wedding season, it’s especially relevant. Because as much as you may think no two people have ever been more in love than you are, the truth is that it could be less than smooth sailing ahead if you’re not on the same page when it comes to financial matters. “Couples have a very hard time talking about money,” Joan Atwood, a Hofstra University professor of marriage and family therapy, bemoaned on an NPR “Money Coach” segment on the issue. “I would say it’s the last taboo.” You have probably discussed life goals in a dreamy sort of way while dating, but turning those reveries into reality requires habitually saving to pay for them and to finance your later retirement years. This is most likely one thing you may not have thought of at a time when the median ages, respectively, for brides and grooms are 29 and 31. “While people may come into a marriage with their own assets, they need to take some time after the wedding to sit down and start getting organized as a couple,” advised a famous investment company. One thing that needs to be done is be transparent about your personal finances. There’s nothing that says you have to put all your cash into a joint account – but at the very least you’d be “less than truthful” by not divulging any outstanding debts – and then figuring out, together, how to pay them down. It is also important that you two develop a way to retain vital information in case a sudden need arises. To truly mark your financial coupling, you might consider using a trustworthy online service that lets you store, access and share all your new family’s important records and documents anywhere via a web browser or an app. With all the other things on their to-do lists, newlyweds typically don’t focus on all the important financial and other documents they need to begin married life on a solid footing, but it will make things easier for them from the start, as well as through the years as they have even more joint documents to retain – including those related to perhaps buying a house and having children.
Turns out that “coupling” doesn’t just mean “pairing” in the traditional sense, but is also a catchphrase when it comes to finances. As we head into wedding season, it’s especially relevant. Because as much as you may think no two people have ever been more in love than you are, the truth is that it could be less than smooth sailing ahead if you’re not on the same page when it comes to financial matters. “Couples have a very hard time talking about money,” Joan Atwood, a Hofstra University professor of marriage and family therapy, bemoaned on an NPR “Money Coach” segment on the issue. “I would say it’s the last taboo.” You have probably discussed life goals in a dreamy sort of way while dating, but turning those reveries into reality requires habitually saving to pay for them and to finance your later retirement years. This is most likely one thing you may not have thought of at a time when the median ages, respectively, for brides and grooms are 29 and 31. “While people may come into a marriage with their own assets, they need to take some time after the wedding to sit down and start getting organized as a couple,” advised a famous investment company. One thing that needs to be done is be transparent about your personal finances. There’s nothing that says you have to put all your cash into a joint account – but at the very least you’d be “less than truthful” by not divulging any outstanding debts – and then figuring out, together, how to pay them down. It is also important that you two develop a way to retain vital information in case a sudden need arises. To truly mark your financial coupling, you might consider using a trustworthy online service that lets you store, access and share all your new family’s important records and documents anywhere via a web browser or an app. With all the other things on their to-do lists, newlyweds typically don’t focus on all the important financial and other documents they need to begin married life on a solid footing, but it will make things easier for them from the start, as well as through the years as they have even more joint documents to retain – including those related to perhaps buying a house and having children.
According to the passage, which of the following needs to be avoided by newlyweds?
- A Being truthful by opening up to each other.
- B Retaining vital information via an online service.
- C Hiding any outstanding debts from each other.
- D Reviewing financial documents to begin married life.
思路引導 VIP
「想像你正準備與人簽署一份極為重要的長期合夥協議。為了確保這份關係能穩定發展並規避未來可能的違約風險，哪一種涉及『隱藏』或『不公開』財務負擔的行為，最可能損害雙方的互信基礎？」
🤖
AI 詳解
AI 專屬家教
恭喜你準確鎖定了文章的核心細節！在地方特考三等的英文閱讀中，「否定型提問」（which is NOT true 或 needs to be avoided）是極為常見的題型，這要求考生不僅要讀懂字面意思，還得細心轉換邏輯，而你這次的判斷非常果斷且正確。
財務透明化的關鍵點
文章中提到，財務問題往往是伴侶間最後的禁忌，因此特別強調了 transparency（透明化） 的重要性。文中明確指出，若不主動 divulging（揭露） 任何未償還的債務，就會顯得「不夠誠實（less than truthful）」。因此，選項 (C) Hiding any outstanding debts（隱瞞未償債務） 便是新婚夫婦必須避免的行為。至於其他選項，如開誠布公、利用線上工具保存紀錄以及審視財務文件，都是文中正向鼓勵的做法，正好與本題「應避免之事」的要求相反。
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