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（存款证） 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.
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.
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.
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.
My three-year-old granddaughter, Tegan, went with her parents to a family gathering at the home of her other grandparents. Everyone was having a wonderful time visiting and catching up on all the latest family news.
Like most children, Tegan was having a good time playing with all the toys that were different from her own and that were kept for children to play with at her grandparents’ house. In particular, Tegan had found a little tea set and had begun pretending that she was having a tea party. She set up all the place settings and arranged her table with the great care and elegance that only a three-year-old can create. Meanwhile, her Daddy was engrossed in conversation, and as he continued to c
hat with his family, Tegan would hand him a cup of "tea". Her Daddy, who always tries to participate in her games, would pause for a few seconds from his conversation, and say all the proper words and gestures for her tea party which would thrill Tegan. He would request two lumps of sugar. He would tell her how wonderful her tea tasted, and then he would continue his adult conversation with his family.
After going through this routine several times, her Daddy suddenly awoke to reality as he had a flash of concern in his mind: "She is only three years old, where is she getting this ‘tea’ that I've been dutifully drinking?" He quietly followed her, without her knowing, and his fears were growing stronger as he saw her turn and go through the bathroom door. Sure enough, there she was stretching up on her tippy toes reaching up to get her ‘tea’ water -- out of the container of water that grandpa used to soak his false teeth!
1.At the family gathering, the adults __________.
A．watched their favorite TV programs
B．talked about what happened at home
C．drank tea while chatting
D．arranged tables for children’s games
2.Which of the following phrases can replace the underlined phrase “was engrossed in” in Paragraph 2 ?
A．got tired of B．got annoyed by
C．was absorbed in D．was puzzled at
3.What can be learned from the text ?
A．Tegan was unhappy to be left alone at the gathering.
B．Tegan’s father often played with her in games.
C．Tegan refused to apologize for what she had done.
D．Tegan’s father cared nothing about what she was doing.
4.Tegan’s Dad followed her secretly to find out __________.
A．whether there was any tea left
B．how she made tea so wonderful
C．where she got the sugar for tea
D．what kind of tea he had drunk
最近，助人为乐成为人们关注的热点话题。最美的女教师张丽莉、最美的清洁工吴秀莹、最美的司机吴斌、“托举哥”周冲等每一个耳熟能详的名字后，都有一个感人的故事。对此，你有何感想，请写一篇100词左右的短文。文章的开头已经帮你写好，不计入总词数。
Recently more and more people focus on Zhang Lili, Wu Xiuying, Wu Bin, Zhou Chong and others alike, all of whom are highly thought of for what they did.
假如英语课上老师要求同桌之间交换修改作文，请你修改你同桌的以下作文。文中共有10处错误，每句中最多有两处。错误涉及单词的增加、删除或修改。
增加：在缺词处加一个漏词符号∧，并在此符号下面写出该加的词。
删除：把多余的词用斜线＼划掉。
修改：在错词下面划一横线，并在该词下面写出修改后的词。
注意：1、每处错误及其修改均仅限一词；
2、只允许修改10处，多者(从第11处起)不计分。
Dear Jack,
I am pleasing to hear from you and know that you had a greatly time working part-time in a fast-food restaurant. Now I would like to share your working experience with you during the past summer.
In the beginning of the summer vacation, I was hired as shopping guide in a big supermarket. I stood for ten hours a day and smiled to everyone I have met . Sometimes I was laughed at, and most of the time, I was praised for my wonderful works by many people. Half a month passed quickly after I knew it, and I learned how to deal with different people.
Above all, I have learned that smile is the key to solve any problem.
Best wishes.
Yours,
Li Ming
Our local Community Youth Club is very popular organized with young people in my town. I have been member for four years now and I’ve taken part a lot of interesting projects. These include fun activities such as holiday camps and discos. We have organized sports competitions and we have even made a video. it isn’t all just enjoyment; we (start) doing social work to help people in our neighborhood. We have organized activities for small children during the holidays. We have also formed a special support group to help young people stop (smoke)! We have been (particular) proud of the most recent group we have created. It organizes regular visits to the local old people’s home. The old people, were very excited by our visit, told us their (person) stories. We sang songs and played games with them and had tea together. Some of were in poor health and were very unhappy. this visit, my friends and I decided we should do something to help improve the quality of their lives.
You may be surprised to see “making sure children never suffer” as a mistake. The following may help you understand how rescuing children from all suffering weakness.
A little boy felt sorry for a butterfly struggling to from its chrysalis. He decided to the butterfly. So he peeled the chrysalis open for the butterfly. The little boy was so to watch the butterfly spread its wings and fly off into the sky. Then he was horrified he watched the butterfly fall to the ground and die because it did not have the muscle to keep flying. In fact, the butterfly’s struggle to the chrysalis helps the butterfly become stronger.
Like the little boy, too often want to protect their children from struggle in the of love. They don’t realize that their children need to struggle, to experience , to deal with disappointment, and to solve their own problems. Only in this way can children their emotional strength, become and develop the skills necessary for the even bigger struggles they will meet throughout their lives. Children experiencing sufferings can the ups and downs of life.
However, it isn’t helpful either in this case when parents lectures(训斥), blame and shame to what the child is experiencing. Mothers to say, “Stop crying and acting like a spoiled boy. You can’t always get what you want.” These words should be avoided.
Instead, parents can offer loving support. You can say, “Don’t lose . Be brave! You will succeed if you try again.” Then comes the tough part—no a no lectures. Simply allow him to discover that he can get over his disappointment and what he can do to get what he wants in the future.
1.A. story B. proverb C. saying D. Experiment
2.A. damages B. burns C. creates D. experiences
3.A. hear B. suffer C. date D. emerge
4.A. kill B. feed C. help D. rescue
5.A. excited B. moved C. puzzled D. depressed
6.A. as B. since C. before D. until
7.A. power B. energy C. strength D. force
8.A. come up B. do away with C. get along with D. break away from with
9.A. teachers B. parents C. relatives D. friends
10.A. case B. charge C. name D. course
11.A. friendships B. scholarships C. relationships D. hardships
12.A. strengthen B. require C. get D. achieve
13.A. warm-hearted B. strong-willed C. absent-mind D. cold-blooded
14.A. expect B. predict C. survive D. avoid
15.A. add B. adapt C. devote D. contribute
16.A. pretend B. happen C. tend D. seem
17.A. discouraging B. inspiring C. interesting D. touching
18.A. heart B. face C. sight D. weight
19.A. parking B. smoking C. drinking D. rescuing
20.A. figure out B. carry out C. rule out D. drop out
