At primary school in New Zealand, I was introduced to a school savings account run by one of the local banks.When our money box was full, we took it to the bank and watched with pride as our coins flowed across the counter. As a reward, we could choose our next money box from a small variety, and start the whole savings routine again. Every week I watched my parents sort out the housekeeping and “make ends meet”. Sometimes it was annoying to wait for things we really felt we needed.
Later, as a university student, I managed on an extremely small student allowance.Students were ignored by banks then, because we were so poor, and there was no way I could have gotten credit, even if I had tried. We collected our allowance three times each year, deposited it to the best advantage and withdrew it little by little to last until the next payout of the allowance.
When our daughter, Sophie, began to walk, we made a purposeful choice to encourage her to use money wisely. We often comment when the TV tells us “You owe it to yourself to borrow our money"to whom do we really owe it? And what would happen if our income were reduced or dried up? Now, as a 12-year-old child, its almost embarrassing to see her tight “inancial policy”, and wait for the unavoidable holiday sales to buy what she wants.
I agree that financial education in schools is very important. But the root of the problem lies with us and the way we behave as role models to those who follow.
1.What did the author learn from her parents?
A. How to become a banker.
B. Where to open a savings account.
C. Where to choose a money box.
D. How to make ends meet.
2.How did the author manage the student allowance?
A. He applied for a credit card.
B. He spent it three times a year.
C. He put it in the bank.
D. He seldom withdrew it.
3.What reflects Sophie’s tight “financial policy”?
A. Reducing her savings.
B. Buying things on sales.
C. Canceling holiday plans.
D. Borrowing money from banks.
4.What’s the text mainly about?
A. Parents, money problems.
B. Students’ school performance.
C. Children’s saving behavior.
D. Children’s financial education.
We have designed all our bank cards to make your life easier.
How to use your NatWest Servicecard
As a Switch card, it lets you pay for all sorts of goods and services, whenever you see the Switch logo. The money comes straight out of your account, so you can spend as much as you like as long as you have enough money (or an agreed overdraft(透支) to cover it. It is also a cheque guarantee(担保) card for up to the amount shown on the card. And it gives you free access to your money from over 31,000 cash machines across the UK.
How to use your NatWest Chshcard
You can use your Cashcard as a Sulo card to pay for goods and services wherever you see the Solo logo. It can also give you access to your account and your cash from over 31,000 cash machines nationwide. You can spend or withdraw(提取) what you have in your account, or as much as your agreed overdraft limit.
Using your card abroad
You can also use your Servicecard and Cashcard when you’re abroad. You can withdraw cash at cash machines and pay for goods and services wherever you see the Cirrus or Maestro logo displayed.
We take a commission charge(手续费) of 2.25% of each cash withdrawal you make (up to ￡4) and a commission charge of 75 pence every time you use Maestro to pay for goods or services. We also apply a foreign-exchange transaction fee of 2.65%.
How to use your NatWest Credit Card
With your credit card you can do the following:
＊ Pay for goods and services and enjoy up to 56 days’ interest-free credit.
＊ Pay in over 24 million shops worldwide that display the Maestrocard or Visa logos.
＊ Collect one AIR MILE for every ￡20 of spending that appears on your statement(结算单).
(This does not include foreign currency or traveler’s cheques bought, interest and other charges.)
1.If you carry the Servicecard or the Cashcard, _______.
A. you can use it to guarantee things as you wish
B. you can draw your money from cash machines conveniently
C. you can spend as much money as you like without a limit
D. you have to pay some extra money when you pay for services in the UK
2.If you withdraw ￡200 from a cash machine abroad, you will be charged ______.
A. ￡4 B. ￡4.5
C. ￡5.25 D. ￡5.3
3.Which of the following is TRUE about using your NatWest Credit Card?
A. You have to pay back with interest within 56 days.
B. You will be charged some interest beyond two months.
C. You can use the card in any shop across the world.
D. You will gain one air mile if you spend ￡20 on traveller’s cheques.
4.The purpose of the passage is to show you how to ______.
A. play your cards right B. use your cards abroad
C. draw cash with your cards D. pay for goods with your cards
William Berloni, 59, is Broadway's dog expert, training and managing dogs for musicals and plays that need a well-behaved dog. He also works on movies and TV shows with all kinds of animals, including cats, pigs, sheep, snakes and rats. His retired (退役的) actors, including 30 dogs that have acted in shows such as “Annie” and “Oliver!” live with him and his wife on a farm in Connecticut.
Berloni's main playmates as a kid were his dog, cat and rabbit, but he says he never thought he would become a professional (职业的) animal trainer. He wanted to be an actor. But while working as an assistant for the pre-Broadway production of “Annie” in 1976, he was given the job of finding a dog to play Sandy.
Berloni visited an animal shelter (收容所), where lost dogs and other pets are kept until they are adopted (收养). Shelters take in a lot of animals — so many that some shelters kill pets that aren't quickly adopted. “I didn't know that animals were killed,” says Berloni, who ended up adopting a dog on the day it was supposed to be put down.
The dog, which Berloni named Sandy, turned out to be a perfect fit for the show after a little training. The pair learned from each other, with Berloni becoming better and better as a trainer. Sandy starred in almost all of the show's 2,377 Broadway performances and enjoyed retirement on Berloni's farm when the production's first Broadway run ended in 1983.
Since then, Berloni has made a point of finding all his dogs at shelters. Nessa is one of his
dogs who plays Toto in “The Wizard of Oz”. After about a year of working together, Berloni and
Nessa are like old friends. She's happy to lie on his leg, even when she's not performing. Nessa gets prizes in return for performing, but “Love is the big motivator (动力),” Berloni says.
1.What do we know about Berloni?
A. He was once a Broadway actor.
B. He is good at dealing with animals.
C. He keeps all kinds of animals on his farm.
D. He wanted to be an animal trainer when he was a child.
2.The underlined phrase “put down” in paragraph 3 can most probably be replaced by_____.
A. rescued out B. moved down
C. kept in D. made dead
3.In Berloni's opinion, he builds a good relationship with his dogs mainly because of _____.
A. his professional training B. the dogs' good state
C. his great care D. the big prizes
It was the night before the composition was due. As I looked at the list of ________, “The Art of Eating Spaghetti(意大利面条)” caught my eye. The word “spaghetti” ________the memory of an evening at Uncle Alien’s in Belleville ________all of us were seated around the table and Aunt Pat ________ spaghetti for supper. Spaghetti was an foreign ________in those days. Never had I eaten spaghetti, and ________ of the grown-ups had enough experience to be________it. What laughing ________ we had about the________respectable method for moving spaghetti from plate to mouth. ________, I wanted to write about that, but I wanted to put it down ________ for my own joy, not for Mr. Fleagle, my composition teacher. ________him, I would write something else.
When I finished it the night was half gone and there was no time left to write a ________ composition for Mr. Fleagle. There was no choice next morning ________ to hand in my work. Two days passed before Mr. Fleagle returned the ________ papers. He said, “Now, class, I want to read you a composition, ‘The Art of Eating Spaghetti’. ”
My words! He was reading my words out ________ to the whole class. ________ laughed, then the whole class was laughing with open-hearted enjoyment. I did my best not to show________, but what I was feeling was pure happiness, ________ my words had the power to make people________.
1.A. topics B. articles C. books D. names
2.A. called for B. took in C. brought back D. took up
3.A. since B. when C. after D. where
4.A. cooked B. served C. got D. made
5.A. experience B. treat C. treatment D. way
6.A. none B. one C. earns D. neither
7.A. careful about B. interested in C. good at D. fond of
8.A. lessons B. sayings C. speeches D. arguments
9.A. officially B. naturally C. frequently D. socially
10.A. Roughly B. Probably C. Suddenly D. Fortunately
11.A. exactly B. simply C. directly D. gradually
12.A. As for B. Apart from C. instead of D. Thanks to
13.A. short B. proper C. satisfied D. long
14.A. only B. yet C. or D. but
15.A. written B. graded C. collected D. signed
16.A. loud B. instantly C. rapidly D. calmly
17.A. People B. I C. Nobody D. Somebody
18.A. shock B. anxiety C. pleasure D. face
19.A. while B. although C. for D. so
20.A. laugh B. satisfied C. think D. excited
阅读下面材料，然后按要求写一篇150词左右的英语短文。
James Bender, in his book How to Talk Well tells the story of a farmer who grew awardwinning corn.Each year he won a blue ribbon.One year a newspaper reporter interviewed him and learned something interesting about how he grew it.
The reporter discovered that the farmer shared his seed corn with his neighbors.“How can you afford to share your best seed corn with your neighbors when they are entering corn in competition with yours each year？” The reporter asked.“Why，” said the farmer, “didn't you know? The wind picks up pollen(花粉) from the ripening corn and carries it from field to field.If my neighbors grow bad corn, crosspollination(异花受粉) will slowly reduce the quality of my corn.If I am to grow good corn, I must help my neighbors grow good corn.”
He is very much aware of the connectedness of life.His corn cannot improve unless his neighbors' corn also improves.The lesson for each of us is this: If we are to grow good corn, we must help our neighbors grow good corn.
（写作内容）
1．突出：人与人之间本应和睦相处、互帮互助、共同进步；
2．以约30个词概括短文的要点；
3．以约120词发表你的看法，谈谈你的认识。
（写作要求）
1．作文中可以使用实例来支持你的论点，也可以参照阅读材料的内容论述，但不得直接引用原文中的句子；
2．作文中不能出现真实姓名和学校名称。
（评分标准）
概括准确，语言规范，内容合适，篇章连贯。
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任务型阅读
How to Study Smarter, Not Harder
Here are some of our favorite tips that will help any student study smarter, not harder：
Recite As You Study
Recitingsaying things out loud—should first take place as you read through each paragraph or section.Test yourself.This will help you to understand as well as learn faster because it is more active than reading or listening.It will also help you to notice your mistakes and the topics you have trouble understanding.
Study the Middle
The best time to review is soon after you've learned something.You are more likely to remember the material at the beginning and the end of the lesson, so make sure you focus on the middle when you review.
Take Fuller Notes
Notes should be in your own words, brief and clear.They should be tidy and easy to read.Writing notes will help you better than just underlining as you read, since it forces you to rewrite ideas in your own words.
Sleep on it
Study before going to bed, unless you are very tired.It's easier to remember material you've just learned after sleeping than after an equal period of daytime activity, because your brain continues to think even after you've fallen asleep.
Combing Memory and Understanding
There are two ways to remember：by memorizing and by understanding.Multiplication tables, telephone numbers, and math formulas are better learned by rote(死记硬背)while ideas are best learned by understanding.
The more ways you have to think about an idea, the more meaning it will have：the more meaningful the learning, the better you can remember it.Pay attention to similarities in ideas and concepts and then try to understand how they fit in with thing you already know.Never be satisfied with anything less than a completely clear understanding of what you are reading.If you are not able to follow the thought, go back to the place where you first got confused and try again.
Titles： Tips on ________in a smarter way
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