题目内容

【题目】I________through that bitter period without your generous help.

A.couldn't have gone B.didn't go

C.wouldn't go D.hadn't gone

【答案】A

【解析】

试题分析:句意:如果没有你的慷慨帮助,我不可能度过那段痛苦的时期。without your generous help=If I had not had your generous help表示虚拟语气,如果过去我没有你的慷慨帮助,所以主句应用could /should/would/might+ have+done.故选A

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【题目】Why I stopped worrying about my credit score?

If you believed everything you read about your credit score, you'd think it was the most important component of your financial health. Without a good credit score and history, the experts say, it's more difficult qualify for a mortgage(按揭)or a car loan-and more expensive if you're approved for a loan, too, because you won't get the best interest rates. In many states, bad credit can even raise your insurance payments, cost you a rental apartment, or make it harder to get hired. 1

First off, there are several credit scores out there. While it's important to cultivate your credit scores by using credit responsibly, your FICO credit score may not be the same as what VantageScore reports, and lenders may use a different one entirely, so focusing on one score can be a fruitless exercise. More important as financial reporter Dave Ramsey notes on his blog, your credit score is not a measure of your overall financial health. He writes:"2"

FICO, the most popular credit-scoring agency, users several weighted factors to determine your credit score, including payment history (35 percent), amounts owed (30 percent), length of credit history (15 percent), new credit (10 percent), and credit mix (10 percent). 3My husband and I enjoyed steady credit scores above 820 for a while. But when we paid off one of our rental properties in 2017, we both saw our credit scores fall by 20 or more points. The sudden drop took place because we completed a 15-year loan and reduced the average length of our credit history tremendously. 4 That’s blackmail. I would rather be debt-free than have a perfect credit score.

Your credit score is certainly important when you’re starting out and likely to borrow money for a down payment (首付) on a home or some other big purchase. But once you’re fairly established financially, it’s much easier to see it for what it really is: a measure of how well you borrow money.

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