Are you a saver or a spender?
"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "_________________________" is another way to talk about saving for the future.
People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." A thrifty person is different from a "spendthrift." A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."
In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit(存款證) pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a fine.
In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in 1990, Americans had a household savings rate of seven percent. This year, that rate is expected to be a little more than four percent and many European countries have higher rates like the UK and France , but Americans save more than families in countries like Japan and South Korea.
小題1:Which of the following proverbs can be filled in the blank in Paragraph 2?
A.Health is wealth.
B.Money is a good servant but a bad master
C.Put money away for a rainy day.
D.Money doesn’t grow on trees.
小題2:If you have $10,000, which of the following may help you get higher interest ?
A.Choose certificates of deposit for one year.
B.Put the money in banks for one year.
C.Put the money in credit unions for one year.
D.Choose certificates of deposit for one year but withdraw the money ahead of time.
小題3:What does the passage mainly talk about ?
A.Different choices of putting money away in the US.
B.The importance of saving money.
C.How to put money into banks.
D.The household savings rate in the US.

小題1:C
小題2:A
小題3:A

試題分析:這篇文章主要講了在美國,人們想開儲蓄賬戶就多種選擇,包括銀行和信用機(jī)構(gòu)。
小題1:填句題:根據(jù)"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "可知這里應(yīng)該填。“未雨綢繆”是為將來打算的另一種說法。故選C。
小題2:細(xì)節(jié)題:根據(jù)Certificates of deposit pay higher returns. 信用機(jī)構(gòu)、銀行等其他金融機(jī)構(gòu)都對儲戶支付利息,但利率很低。存款證的回報(bào)要高些,故選A。
小題3:主旨題: 通過閱讀文章內(nèi)容,可知這篇文章主要講了把錢存在美國的不同選擇,故選A。
練習(xí)冊系列答案
相關(guān)習(xí)題

科目:高中英語 來源:不詳 題型:閱讀理解

A professor I have worked pretty closely with has been diagnosed with Stage 4 cancer.It has been devastating for his family and heartbreaking for his students.
What made him extraordinary was not only that he was a rising star.He had only recently collected the highest honors for young researchers at the White House.We truly admired him—as someone put it, “He always has a smile and a kind word for everyone.” It is very hard to find someone who is extremely intelligent should be so nice a human being.
I decided that we needed him to know our_attitude and also how we are all praying for his recovery.I bought him a simple card which read, “Healing thoughts and wishes coming your way.” I met all the students he worked closely with and got them to sign on it.Each student in his laboratory signed and also added a message.“We love you so much”, “We miss you!We need you back here—get well soon”, “Please come back”, “Thank you for being such an inspiring teacher”, “I hope you recover soon”...These were some of the messages that were written.Most of the students were really glad we were doing this and said it was a very good idea to give it to him.
He is still undergoing(經(jīng)歷) intense treatment,and along with his family is trying his best to stay optimistic and hopeful.I didn’t see a trace of self­pity or sadness when I met him last week.Instead,he paid attention to every word of my presentation and asked me several questions related to my work.I was amazed at how much he gave his 100% on that day in spite of being in pain because of chemotherapy(化療).He did not know if he even had another month to live.“I am trying to focus on staying positive,hoping to be back this summer,”he said.
Needless to say,I saw an expression of joy and hope on his face as he opened the card.He said he was truly touched to see the messages from the students he worked closely with.
There is one thing I learnt from last week:It is so important to tell people how much they mean to us and what an inspiration they are before it becomes too late.My professor,in spite of being too sick to teach classes,has managed to continue being a great teacher,introducing his last valuable message to us.
小題1:The professor was admired because ________.
A.he was very intelligent
B.he had won many honors
C.he had noble personalities
D.he was very determined
小題2:What do the underlined words “our attitude” in Paragraph 3 refer to?
A.Our worry about his health.
B.Our pray for his health.
C.Our admiration for him.
D.Our pity for him.
小題3:When the writer visited the professor at hospital,what surprised him was that the professor ________.
A.was suffering from great pain
B.was still very confident
C.didn’t know he would die soon
D.still cared for others
小題4:Of the following statements,the writer may agree that ________.
A.the professor loves his job very much
B.few students supported the writer’s decision at first
C.the professor will go back to teach this summer
D.the professor often feels sorry for himself

查看答案和解析>>

科目:高中英語 來源:不詳 題型:閱讀理解

Dealing with conflict in the workplace is rarely easy. Hurt feelings and anger can lead to lower employee morale (士氣) as well as a loss of productivity and a poor work environment. As a manager. you should find some ways yourself to solve the conflict. The goal is to build a team-centered workforce.
You can use role-reversal (角色轉(zhuǎn)換) methods to help each employee understand how the other feels. This model works best when there are only two parties involved. You can hold a meeting with annoyed workers in your office. You might say. "Jane, explain to me how you would feel if Nancy went to lunch with your clients (客戶 ) without telling you?" Or. "Nancy, how would you respond if Jane came to me with complaints about you, but hadn't tried to talk to you about them first? "
Workers often respond better to praise than criticism. By publicly drawing attention to employees who have healthy work relationships. you can increase the awareness for those who encourage any conflict. Avoid mentioning teams or departments that are being troubled by conflict. Instead. focus on the teams that work well together You might say. "I want to express thanks to the design team for working together to meet the deadline this week," or -Special thanks to the finance department for their teamwork in making sure that the quarterly reports were accurate"
And help your employees see that differences can be good and don't necessarily lead to anger or disagreement This is one of the best ways to settle workplace conflicts. You can meet with employees and try to stress the value of different techniques. This lets all parties know that their own styles can be effective. You might say. " I know you disagree on how to market our services. but when you combine Jim's email marketing with Joe's personal one-on-one phone calls, you can increase sales. The two of you go well together. " Or. "I know you have different styles for interacting with clients. but Sally's take-them-out-for-coffee approach works well together with Ann's formal business meeting style Both are necessary for building relationships and getting work done. "
小題1:To build a team-centered workforce, employers_________.
A.should learn to be considerate
B.should be divided into two parties
C.shouldn't go out with clients alone
D.should learn to accept public criticism
小題2:By saying the underlined sentence "I want to express thanks ...this week". the author tries to
A.differences are not all bad
B.role reversals are necessary
C.the importance of working together
D.the importance of focusing on the positive
小題3:The author's purpose of writing the text is most likely to ________.
A.informB.persuadeC.instructD.eutertain

查看答案和解析>>

科目:高中英語 來源:不詳 題型:閱讀理解

Former Irish President Mary Robinson was just making a polite conversation with an Ethiopian (埃塞俄比亞的) teenager about her wedding day. The 16­year­old had already been married for a year. “She looked at me with the saddest eyes and said, ‘I had to drop out of school’,” Robinson said in a telephone interview. “That conveyed to me the reality,” said Robinson, the first woman to serve as Ireland's president and former U.N. high commissioner for human fights. “Her life, as far as she is concerned, had more or less ended.”
Robinson said keeping girls in school was one of the most important things policymakers could do to address the coming challenges of an ever-increasing population, predicted by the United Nations to reach 7 billion soon. “European countries are concerned about aging populations as is Japan, but this is much less of an issue than the huge number of people which we are going to see over the next 40 years when the population goes from 7 billion to 9 billion,” she said. “Almost all of that increase will be in poor developing countries, so that we have a very big challenge.”
Family planning experts worry in particular about the future population explosion in sub­Saharan Africa. In May, the United Nations projected the world population would reach 9.3billion in 2050 and 10.1 billion by 2100. Much of that growth will come from Africa, where the population is growing at 2.3 percent a year—more than double Asia's 1 percent growth rate. If that rate stays consistent, which is not certain, Africa's population will reach 3.6 billion by 2100 from the present 1 billion.
Joel Cohen, a professor of population studies at Rockefeller University and Columbia University in New York, said universal secondary education offered a way to reduce population in high birth­rate regions. In addition to providing information about birth control, a secondary education teaches women to reduce their own fertility (生育力), improve the health of their children and allows them to move from a mind­set of having many children, in the hopes that some will survive to improving the quality of each child's life, Cohen wrote in the journal Nature.
小題1:In the first paragraph, the author introduces his topic by ________.
A.explaining the author's opinions
B.giving an example
C.describing the poor education system
D.coming straight to the topic
小題2:What can we learn from the passage?
A.Robinson is happy after talking to the Ethiopian girl.
B.Robinson is a successful expert in population studies.
C.Robinson is worried about population growth.
D.Robinson encourages female education.
小題3:What is Joel Cohen's view about secondary education?
A.It provides basic knowledge of health.
B.It improves the health of children.
C.It makes people pay more attention to education.
D.It can change people's parenting ideas.
小題4:According to Robinson, what is one of the most important things policymakers can do to prevent the population from increasing rapidly?
A.Keeping girls in school.
B.Letting girls go away from Africa.
C.Letting young girls remain single.
D.Keeping girls in families.

查看答案和解析>>

科目:高中英語 來源:不詳 題型:完形填空

It was during those hard days in a small community. Food was in short supply. I used to stop by Mr.Miller's stand for      
One particular day, while Mr.Miller was        some potatoes for me I noticed a small boy      admiring a basket of green peas. Soon I was also       to the fresh green peas.
The boy left. Mrs.Miller _     to me and said, "There are two other such boys in our     _, all from poor families. Jim always offers to     our produce for their marbles(彈珠). He somehow makes them believe he likes red marbles      .Sometimes he even sends them home with some peas for     ." I left the stand,       with this man.
Years later, I went back to visit some       in that community and while I was there I learned Mr.Miller had died. I agreed to       my friends to see Mrs.Miller. Upon our arrival, we offered whatever words of       . Ahead of us were three young men. They moved to the casket(棺。 Mrs.Miller's eyes followed them       each young man placed his own      hand over the cold pale hand and then left.
Our turn came to meet Mrs.Miller.I told her who I was and mentioned the     of the marbles. She said, "Those three young men were the boys. They told me how they      Jim's kindness."
"We've never had much     ," she said, "but right now, Jim would consider himself the       man." Then she lifted her husband's lifeless fingers.     beneath the hand were three shining, red marbles !
小題1:
A.flowersB.grainsC.vegetablesD.fruits
小題2:
A.baggingB.diggingC.sellingD.cooking
小題3:
A.happilyB.hungrilyC.curiouslyD.seriously
小題4:
A.carriedB.sentC.drawnD.led
小題5:
A.pulled upB.picked upC.got upD.came up
小題6:
A.communityB.townC.homeD.store
小題7:
A.tradeB.bringC.changeD.get
小題8:
A.in timeB.in particularC.on purposeD.on average
小題9:
A.somethingB.everythingC.a(chǎn)nythingD.nothing
小題10:
A.impressedB.surprisedC.disappointedD.satisfied
小題11:
A.relativesB.friendsC.businessmenD.workers
小題12:
A.introduceB.sendC.a(chǎn)ccompanyD.a(chǎn)ssist
小題13:
A.comfortB.thanksC.praiseD.encouragement
小題14:
A.sinceB.whetherC.becauseD.a(chǎn)s
小題15:
A.coolB.warmC.redD.pale
小題16:
A.priceB.colorC.storyD.number
小題17:
A.a(chǎn)ppreciatedB.forgotC.neededD.helped
小題18:
A.debtB.wealthC.hopeD.health
小題19:
A.tallestB.dearestC.richestD.toughest
小題20:
A.RollingB.FadingC.HangingD.Resting

查看答案和解析>>

科目:高中英語 來源:不詳 題型:閱讀理解

Is it ever a good idea admitting a teenager to carry a credit card?
My kids watch closely as I swipe the card through the register. They’ve seen me do it hundreds, thousands of times. Cool. They are itching to swipe it through the machine themselves. When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy.
So it shouldn’t be shocking to discover that teenagers are becoming card carrying consumers in their own right. The question is, should they?
While some argue it’s best to teach kids how to use a credit card while still living under the family roof, not everyone agrees. Dave Ramsey, financial expert says getting credit card for your teenager is actually “an excellent way to teach him or her to be financially irresponsible.”
Now parents are required to co-sign on credit cards for children under 21. “If their name is on the credit card, then the parent may say, Hey, my name is on this. Don’t get me into trouble,” says Mary Beth Pinto, a marketing professor. “When parents were the co-obligors (共同借貸人), the children caused less debt. If the parents are the co-obligors, the tendency is that the parents were explaining how to use the cards.” Still, Pinto believes parents should start the process much earlier. “Yes, there has to be teaching going on and it has to start when they’re younger. You’re not going to get rid of credit cards. They are here to stay. You have to have them. You can’t fight progress,” Pinto said.
Ramsey, however, disagrees. “Throwing teens into a pool of (credit) sharks is a sure way to guarantee a life-time of heartache.” he said, “You can make online purchases and rent a car with a credit card. Of course, you must have money in your bank account before you can make a purchase with a credit card. But paying for things with money is what you are supposed to do.”
小題1:The author mentioned her experience in Para 2 mainly to _____.
A.prove the convenience of using credit cards
B.tell what impression credit cards leave on kids
C.give advice on using credit cards wisely
D.explain the pleasure credit cards bring to customers
小題2:The underlined word “itching” in Para 2 can be replaced by _____.
A.eagerB.a(chǎn)fraidC.embarrassedD.thankful
小題3:What’s Ramsey’s attitude towards teens’ using credit cards?
A.He feels it is worth a try.
B.He is very supportive.
C.He is strongly against it.
D.He considers it as a pleasant experience.
小題4:Pinto will most likely agree that _____.
A.parents should let teens own their credit cards earlier
B.you shouldn’t be in control of credit cards
C.it is never good for anyone to get a credit card
D.learning to use credit cards is practical

查看答案和解析>>

科目:高中英語 來源:不詳 題型:閱讀理解

Most people are aware of what the adoption process is because it has become rather common in our society. Adoption is where a child is legally placed with guardians (監(jiān)護(hù)人) or parents (or perhaps a single parent) other than the birth mother or father. Once an adoption is finalized, all parental rights are turned over to the adoptive parents and there is no legal difference between adoptive parents and natural birth parents. There are generally two types of adoption, which are closed adoption and open adoption.
When an adopted person has access to his or her adoption file and original records, it is referred to as an open adoption. The term is also used to describe any contact that may be between the adoptive family, the birth parents, and the adopted child. The level of openness can change greatly in such contact depending on each individual relationship. There can be indirect contact between the natural birth parents and the child through the form of letters and photographs, or there can be actual physical contact.
A semi-open adoption is where the birth parents may have contact with the adoptive parents before the birth of the child, either once or several times. After the birth there is no more contact. A semi-open adoption may remain as it is or it can become either open or closed.
A closed adoption is where only the medical and historical information about the biological parents is given to the adoptive family. Typically, the birth and adoptive parents do not know each other’s identities. The record of the birth parents is kept sealed (密封). A closed adoption is usually only effective in the adoption of babies. The adoption of an older child who already knows his or her birth parents cannot be kept closed.
小題1:How many adoption types are mentioned in the passage?
A.2.B.3.C.4.D.5.
小題2:Which of the following statements is TRUE about the closed adoption?
A.The birth parents may have indirect contact with the adoptive parents.
B.The biological parents may often go to see their birth child.
C.No information about the biological parents is given to the adoptive parents.
D.Generally speaking, the adoptive parents do not know the birth parents’ identities.
小題3:Suppose someone adopts a child and his biological parents often get contact with the child by telephone. We can call this adoption _____.
A.a(chǎn) closed adoptionB.a(chǎn)n open adoption
C.a(chǎn) semi-open adoptionD.a(chǎn) semi-closed adoption
小題4:From the passage, we know adoption is _____.
A.where a child is brought up by the government
B.where a child is legally sent abroad by the birth parents
C.where a child is legally placed with adoptive parents
D.where a child is sent to live with the children whose parents have died

查看答案和解析>>

科目:高中英語 來源:不詳 題型:完形填空

My oldest child, Emma, just returned to campus after a long holiday break to finish up her last period of ______. These days, friends and family have begun _____ me with one question: What is she going to do after _____?
The job market is, after all, awfully ______. Just this month the Federal Reserve Bank _____ a study showing that “recent graduates are ______ working in low-paid jobs or working part-time.” The ______ spot, according to the study, is for students who majored(主修) in STEM— science, technology, engineering and ______— areas in which recent graduates “have______ to do relatively well”.
But Emma is a student of the humanities(人文) at a small college. She’s an American Studies major with a(an) ______ on the politics and culture of food. For quite a while, I think her field of study is so fashionable right now that I’m not the least bit ______ she will find a good job. Yet the more I’ve thought about it, the more I’ve decided to be honest. “I’m not sure what Emma is going to do,” I now say. “But she’s gotten a great education and has really found her ______. — and I know those things will serve her well over the _____ of her life.”
Nowadays, more and more universities and colleges are being ______ by the salaries of their recent graduates. In this climate, ______ your kid to study the humanities, seems, at best, unwise or, at worst, unconcerned with ______ a living. But a college is not a vocational(職業(yè)) school. And promoting STEM subjects should not be society’s only answer to helping the next generation grow in a competitive world.
From the beginning, we never urged Emma to ______ a college or a major with an eye on its expected return on money, ______ more and more families are doing. To Emma, what really ______ will be something that we may not be able to measure for quite a long time: Emma’s ______ to the world and how happy she is in it.
小題1:
A.work B.collegeC.trainingD.project
小題2:
A.fillingB.coveringC.floodingD.meeting
小題3:
A.classB.schoolC.lunchD.graduation
小題4:
A.toughB.fairC.excitingD.mild
小題5:
A.wroteB.publishedC.came outD.printed
小題6:
A.surprisinglyB.doubtfullyC.jokinglyD.increasingly
小題7:
A.darkB.usefulC.brightD.weak
小題8:
A.mathematicsB.literatureC.philosophy D.humanities
小題9:
A.intendedB.tendedC.decidedD.pretended
小題10:
A.interestB.a(chǎn)ttitudeC.focusD.point
小題11:
A.worriedB.a(chǎn)stonishedC.pleasedD.touched
小題12:
A.skillB.potentialC.wishD.interest
小題13:
A.programB.chanceC.courseD.way
小題14:
A.decidedB.measuredC.dependedD.a(chǎn)ttracted
小題15:
A.discouragingB.forcingC.remindedD.encouraging
小題16:
A.earningB.raisingC.providing D.a(chǎn)chieving
小題17:
A.searchB.considerC.getD.pick
小題18:
A.whileB.thoughC.a(chǎn)sD.when
小題19:
A.worksB.mattersC.a(chǎn)ttachesD.fixes
小題20:
A.contributionB.enthusiasm C.desperationD.creativity

查看答案和解析>>

科目:高中英語 來源:不詳 題型:閱讀理解

Dear Alcohol,
You've been around forever. I can remember all the pain you've caused for me.
Do you remember the night you almost took my father's life? I do. He loves you. Sometimes I think he loves you more than he loves me. He's addicted to you, to the way you promise to rid him of his problems only to cause more of them. You just sat back and laughed as his car went spinning through the street, crashing into two other cars. He wasn't the only one hurt by you that night.
Do you remember the night of my first high school party? You were there. My friends were intrigued by you. They treated you as if they were never going to see you again, drinking all of you that they could. I spent two hours that night helping my friends who had fallen completely. "I'm so embarrassed," they said as I held their hair back so that they could vomit (嘔吐). "I'm sorry," they said when I called taxies for them, walking them out and paying the driver in advance. "This won't happen again," they said as they were sent to the hospital to have their stomachs pumped. Two 15-year-old girls slept in hospital beds that night thanks to you.
Do you remember the night when you took advantage of my 17-year-old neighbor who had to drive to pick up his sister from her dance lessons? Do you know how we all felt when he hit another car and killed the two people in the other car? He died the next morning too. His sister walked home from her dance lesson, and passed police cars and a crowd of people gathering on the sidewalk just two blocks away from the dance studio. She didn't realize her brother was in the midst of it all. She never saw him again. And it's all your fault.
I wish you'd walk out of my life forever. I don't want anything to do with you. Look at all the pain you've caused. Sure, you've made people happy too from time to time. But the damage you've caused in the lives of millions is inexcusable. Stop luring (引誘) in the people I love. Stop hurting me, please.
Sincerely,
Anonymous
小題1:What is author's purpose in writing to alcohol?
A.To introduce Mr. Alcohol to the readers
B.To describe the harm alcohol did to his family.
C.To show how much alcohol can hurt people.
D.To show the great fun that alcohol can bring to people's life.
小題2:What did alcohol do to the author's father?
A.It made him crash into two other cars and killed his life.
B.It made him drink too much and he had to get his stomach pumped.
C.It made him kill two other people when driving.
D.It made him get into a car accident and badly injure himself.
小題3:The underlined phrase "were intrigued by" is closest in meaning to ______.
A.were familiar withB.were interested in
C.were disappointed withD.were satisfied with
小題4:What is the tone of the article?
A.Critical.B.Doubtful.C.Unconcerned.D.Humorous.

查看答案和解析>>

同步練習(xí)冊答案