TPO (TOEFL Practice Online) 是美国教育考试服务中心(Educational Testing Service，简称ETS)专为参加托福TPO31口语Task34答题技巧及模版：
Reading
Mental Accounting
Although they may not realize it, people do not always manage their money in responsible way. In their minds, people tend to divide their money into different categories as if they were putting it into separate mental bank accounts. This tendency is known as mental accounting. People mentally store some money in one account to be saved, while they imagine other money being stored in another account from which money can be taken and freely spent. Mental accounting can lead people to spend more money than they should, which can make it difficult for them to save enough money to achieve their long-term financial goals.
Using the examples from the professor’s lecture, explain the concept of mental accounting.
1、题目关键词：explain the example, the concept
2、答题要领：
(1)briefly state the main idea of the reading passage
(2)concentrating on the idea given by the professor. When orally summarizing the lecture, test takers are supposed to include the main points and some examples as well.
3、阅读材料要点：
(1) In their minds, people tend to divide their money into different categories as if they were putting it into separate mental bank accounts.
(2) Mental accounting can lead people to spend more money than they should.
4、听力材料要点：
(1) The professor gives an example of himself when he was younger and had an office job and a job as a waiter at the same time.
(2) Every time he got his paycheck of the office job, he saved as much as he could to buy the house. Yet the money he made as a waiter, he saw it as if it was in another bank account, and used it much more extravagantly.
(3) It ended up taking longer to save up all the money he needed to buy the house.
5、模板：
(1) In this set of materials, the reading passage is (the title of the reading passage) and the listening material is a lecture by a professor on the same topic. 当然，如果你觉得你的听力材料的理解率很高也不用谈及阅读材料中的内容。只是第一段说起来实在太easy了。
(2) In the reading passage, it introduces a concept called…
(3) In the lecture, the professor… 不但要包括观点而且要包括教授所给的例子。
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