1. Which of the following is NOT included in the article as one of the tips for raising one’s financial IQ?
(A) Using credit cards carefully.
(B) Buying low-risk stocks.
(C) Keeping a positive balance between income and expenses.
(D) Putting money into banks.

Just like your IQ, or intelligence quotient, which indicates how capably you comprehend things, your “financial IQ” is a measure of your financial cleverness – how well you deal with money. A low financial IQ means you handle your wealth poorly or irresponsibly, while a high financial IQ helps you make wise decisions about money and take the right action to improve your financial circumstances. Following are some simple but important tips for being a financially intelligent person.

    First of all, start saving while you are young. When you have money in your pocket, the impulse to spend it can be very strong. Avoid running to the mall or shopping online when you get your paycheck; instead, if you put away a small amount of money into a savings account each week or month and earn interest, your money will grow. Always keep in mind: a penny saved is a penny earned, and do it early because it takes time to accumulate wealth. The second advice is to live within your means. The secret to financial success is spending less than you earn. If you make a good income but spend it all, you are by no means rich or financially secure. If you lose your job or get seriously ill, you will have nothing to fall back on. People who make less money than you but don’t spend it all are actually much wealthier because they are able to cope with emergencies that arise. Fortunately, today’s technology makes personal money management easier than ever. Financial planning software can help you keep a budget by adding up your income and expenses and keep track of your spending at all times. 

   One more thing worth attention is to be a careful user of your credit cards. It is a lot easier – and sometimes safer – to pay with a credit card than to carry around all that cash in your pocket or purse. However, it is also easy to get into trouble with credit cards if you regard and use them as a substitute for money you don’t have or haven’t earned yet. If you charge so much that you can’t keep up with your monthly bills, interest charges will quickly add up. Going into credit card debts is definitely a sure sign of low financial IQ.

就像您的IQ或智商（表示您對事物的理解能力）一樣，“財務智商”也可以衡量您的財務聰明程度（即您處理金錢的能力）。較低的財務智商意味著您對財富的管理不善或不負責任，而較高的財務智商則有助於您明智地做出貨幣決策，並採取正確的行動來改善財務狀況。以下是成為有財務頭腦的人的一些簡單但重要的提示。

    首先，在您年輕的時候就開始儲蓄。口袋裡有錢時，花錢的衝動會非常強烈。得到薪水時，避免跑到購物中心或在線購物；相反，如果您每週或每月將少量的錢存入儲蓄帳戶並賺取利息，您的錢就會增加。始終牢記：節省的一分錢就是賺到的一分錢，儘早進行是因為積累財富需要時間。第二條建議是盡力而為。財務成功的秘訣是花費少於收入。如果您賺了一筆好錢卻花了所有錢，那您絕對不是有錢人或財務上沒有保障的人。如果您失業或重病，您將無所適從。比您賺錢少但卻沒有花所有錢的人實際上更富有，因為他們能夠應付緊急情況。幸運的是，當今的技術使個人理財比以往任何時候都更加容易。財務計劃軟件可以通過累計收入和支出來幫助您保持預算，並隨時跟踪支出。

   值得一提的另一件事是謹慎使用信用卡。用信用卡付款比隨身攜帶口袋或錢包中的所有現金容易得多，有時甚至更安全。但是，如果您考慮並使用信用卡代替沒有或尚未賺到的錢，也很容易遇到麻煩。如果您的費用太多，以致無法跟上每月的賬單，利息費用將迅速增加。信用卡債務肯定是財務智商低的肯定跡象。