Credit cards let people buy things now and pay for them over months or even years.But some people get deep into debt:Some banks have terms and charges that can make it harder for people to pay off that debt.In the United States,there are calls for stronger government supervision of the credit card industry.They_offer_economic_power_at_a_price.In 2004,Americans had about $800 billion in credit card debt.Now they own about $968 billion.
Critics say banks made it too easy to get credit cards.But that may be changing.The crisis in the housing and credit they call markets is beginning to affect the credit card industry.More payments are late.Charges for late payments are a growing source of profit for banks.But late payments can also signal bad debts.
The central bank,the Federal Reserve,says twothirds of American banks have recently reported tighter lending requirements.Many people report having their credit limits reduced without warning.
Some lawmakers are concerned that cardholders do not have enough protections from what abusive policies.These include actions like raising interest rates because of an unrelated event.Also,banks may raise the chances of a late payment by changing monthly payment dates for credit cards.
According to a survey,82% of Americans think credit cards provide a valuable service.But a majority,58%,say they do not trust credit card companies.And three out of four think the government should regulate the industry more closely.Three out of four people feel there is always some condition that makes a card less appealing than the company made in scared.And a little more than half say they have had a card that was not as good as they expected.But close to 80% say no one really reads the terms and conditions when they sign up for a credit card.
1. What does the underlined sentence in the first paragraph probably mean?
A.We can enjoy more convenience using credit cards.
B.Credit cards can improve our buying power.
C.We can buy things at lower prices using credit cards.
D.Credit cards bring more card debt as well as convenience.
2. Which of the following is NOT mentioned in the text?
A.Banks are making it harder for people to get credit cards.
B.Some people’s credit limits have been reduced.
C.It is more difficult to borrow money from some banks.
D.Banks are receiving more charges from late payments.
3. What can we know from the text?
A.Banks actually prefer to see more late payment.
B.People should be more careful when applying for a credit card.
C.The US government provides better protection for cardholders.
D.The majority of Americans don’t think much of credit cards.
4.What is the main idea of the last paragraph?
A.Credit cards are still very well received in America.
B.Credit cards don’t live up to some people’s expectations.
C.Many people don’t believe in credit card companies.
D.The results of a survey about credit cards in Americans.
A
Gerber 2241770 Artifact Pocket Keychain Tool
Product Dimensions:2.1×0.8×0.1 inches
ASIN:B001349MD8
Item Model Number:2241770
Discount Price:$9.90(you save 33%)
Product Description:At just 3.5 inches closed,the Artifact is a little larger than a cigarette lighter,but Gerber still has eight different functions.With a flat and Phillips screwdrivers(螺丝刀),wire stripper(剥皮钳) and more,the Artifact Pocket Keychain Tool helps you be prepared for office use.
B
ResQMe,The Keychain Version of the Original Life Hammer (Black)
Product Dimensions:7×9×2 inches
ASIN:B000IE0EZO
Item Model Number:RQMBLA
Discount Price:$9.95(you save 50%)
Product Description:ResQMe is a handheld rescue tool that provides drivers and passengers with the same level of confidence in the event of a lifethreatening incident in your vehicle.Small,yet designed to provide the instant and easy ability to cut through seat belts and side windows when the need arises,it is the inexpensive,portable power that every car should have in the event of an emergency.
C
LaCie iamaKey v2 16 GB USB 2.0 Flash Drive 131106
Product Dimensions:2.2×0.9×0.1 inches
ASIN:B004D2AZ0Q
Item Model Number:131105
Discount Price:$24.99(you save 11%)
Product Description:With the LaCie iamaKey v2 the keyshaped design is functional and memorable(难忘的),and the protection that the LaCie iamaKey offers makes it extremely reliable.Best of all,you can fit a very large amount of data in a small flash drive.With its eyecatching design,the iamaKey certainly stands out,and it is one of the most durable(耐用的) and thinnest USB keys on the market.
D
Swiss Tech UKCSB1 UtiliKey 6in1 KeyChain MultiTool
Product Dimensions:6×5×1 inches
ASIN:B0001EFSTI
Item Model Number:UKCSB1
Discount Price:$7.88(you save 21%)
Product Description:The lightest and multiuse tool ever developed.This durable tool has a straight knife sharp edge and a flat screwdriver,a Phillips screwdriver,and a bottle opener.The tool makes repairs and hundreds of jobs an easy undertaking.A good choice for indoor or outdoor activities and emergency situations,this tool comes in handy on the road and at home!
1.Which of the following products has the biggest size?
A.Swiss Tech UKCSB1.
B.Gerber 2241770 Artifact.
C.ResQMe.
D.LaCie iamaKey v2.
2.As a bus driver,Mike would be interested in ________.
A.A and B B.C and D
C.A and C D.B and D
3.Which tool has the lowest original price?
A.Gerber 2241770 Artifact.
B.ResQMe.
C.LaCie iamaKey v2.
D.Swiss Tech UKCSB1.
4.From the text we can learn that all the tools above ________.
A.are electronics
B.have the same ASIN
C.are easy to carry
D.are perfect on a keychain
Make some noise on May 7 for Music Monday.People in the U.S. and Canada will be celebrating the day by singing and playing musical instruments together.
Music Monday is the first day of National Wanna Play Music Week,which runs from May 7 to 13.The National Association of Music Merchants(NAMM) organizes the weeklong celebration every year.This marks the seventh year the organization is teaming up with Canada’s Coalition for Music Education(CME),the group that started Music Monday.
“It’s a day to fill the skies with music and bring young people together in song,” CME Executive Director Holly Nimmons said.
The CME started Music Monday in 2005.It is held every year on the first Monday of May.It was created to help people realize the importance of music education programs in schools and in communities.The day also celebrates the benefits of playing music for people of all ages.
NAMM researches the effects of music on children.They found that playing music has positive effects on thinking skills and on confidence.It also teaches selfdiscipline(自律) and helps kids bond with their peers(同龄人).“Learning musical skills can also help in your studies of other subjects,such as math,reading and language,” Lora Bodmer,who works at NAMM,said.
Their studies show that music can also help people form friendships and connect with different groups.Nimmons says anyone can join in on the day,not just those who are musically gifted.“I think that we all have the music in us,and it’s a matter of confidence,” she said.“Sing with other people or beat drums,just enjoy the music.”
Participants can turn on the radio to join the fun.Each year a song is assigned to Music Monday.This year the song is “Tomorrow Is Coming” by Luke Doucet.The Canadian Broadcasting Corporation(CBC) will be playing the tune at 1 p.m. Eastern Time.People across North America will play or sing the song at the exact same time.The performance is meant to connect people through melody(旋律).More than 700,000 students took part in the concert last year.
Schools,afterschool programs,organizations,groups and individuals throughout the U.S. and Canada can all participate in Music Monday.Students who would like to share in the celebration should let their teachers or organization leaders know.But NAMM also encourages people to pick up any instrument and play anytime on the day.
1.What can we learn about Music Monday?
A.National Wanna Play Music Week begins on Music Monday.
B.People can’t sing every day except on Music Monday.
C.Music Monday will last at least seven days.
D.Students can enjoy music on Music Monday freely.
2.The purpose of National Wanna Play Music Week is to ________.
A.advise young people to learn music
B.help students to learn music better
C.get schools and communities closely united
D.call on people to pay more attention to music education
3.Which of the following may be the benefit of music to kids?
A.Kids can get rid of many bad habits.
B.Kids are most likely to do well in their lessons.
C.Kids would like to play with other friends more.
D.Kids will get on well with their parents at home.
4.What do the last two paragraphs mainly tell us?
A.How people will celebrate Music Monday.
B.What students should do on Music Monday.
C.Why a theme song is chosen for Music Monday.
D.Where the celebration of Music Monday will be held.
Tyler was a troubled student.He was in my senior class last year.It was __1__ to his former teachers that he had made it to his senior year.
He sat in the back row.Every time I spoke in the front of the class,I would ask students questions,__2__ them by name.This helped me learn their names while getting the kids __3__.Unfortunately,every time I asked him a question,he would __4__ with a flip(轻率的) answer.He knew the answers when he listened __5__ he didn’t want to be asked.If he got a wrong answer,he would get very angry.
One day,Tyler was talking while I was teaching.In the __6__ of teaching I said,“Tyler,why are you having your own discussion instead of __7__ ours?” With that,he __8__ from his chair,pushed it over,and yelled.I sent him to the office with a discipline referral,and he __9__ a week’s out of school suspension.
The week’s out of school suspension was wonderful.However,the week soon came to a(n) __10__,and I began to worry about his __11__.I knew from talking with his other teachers that he would be back even angrier.
I made a(n) __12__.On the day that he came back,I stood at the door __13__ him.As soon as I saw him,I asked him to talk for a moment.He seemed __14__ to do it but agreed.I told him that I wanted to start over(重新开始) with him.Furthermore,I gave him permission that if he felt he was going to lose __15__ in class he could step right outside the door for a moment to collect himself.
From that point on,Tyler was a(n) __16__ student in my classroom.He listened and participated.He was __17__ a smart child and I could finally get to see this in him.He even __18__ a fight between two other students one day.I __19__ that giving him the power to decide for himself made all the __20__.
1.A.surprising B.interesting
C.disappointing D.upsetting
2.A.visiting B.watching
C.interviewing D.calling
3.A.defeated B.addicted
C.involved D.impressed
4.A.exchange B.respond
C.share D.connect
5.A.until B.if
C.unless D.but
6.A.case B.matter
C.middle D.presence
7.A.joining B.starting
C.hearing D.learning
8.A.fell down B.got up
C.jumped in D.fell off
9.A.suggested B.refused
C.received D.requested
10.A.end B.decision
C.head D.agreement
11.A.study B.return
C.family D.health
12.A.plan B.mistake
C.face D.noise
13.A.looking after B.escaping from
C.waiting for D.staring at
14.A.excited B.unhappy
C.calm D.crazy
15.A.touch B.courage
C.heart D.control
16.A.changed B.similar
C.confused D.proud
17.A.rarely B.actually
C.usually D.hardly
18.A.led B.missed
C.reported D.stopped
19.A.believe B.doubt
C.expect D.recommend
20.A.effort B.difference
C.point D.way
They ________ two free tickets to Canada.Otherwise,they’d never have been able to afford to go.
A.had got B.got
C.would have got D.get
It’s useless envying others their success.It’s time you ________ hard.
A.must work B.went to work
C.work D.worked