A study involving 8,500 teenagers from all social backgrounds found thai most of them are ignorani when it comes to money. The findings, the first in a scries of reports from NatWesl that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.

University tuition fees (学费) are currently capped at ??3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.

In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average ?? 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just ?? 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than ?? 10.000. Average debts for graduates are ?? 12,363.

Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."

Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted thai she still had a lot to learn about money.

Which of the following can be found from the five-year research project?

A. Students understand personal finances differently. 

B. University tuition fees in England have been rising.

C. Teenagers tend to overestimate their future earnings.

D. The students' payback ability has become a major issue.

 The phrase "to raise the ceiling" in paragraph 2 probably means "______".

A. to raise the student loans                             

B. to improve the school facilities

C. to increase the upper limit of the tuition     

D. to lift the school building roofs

According to Stephen Moir, students_______.

A. are too young 10 be exposed 10 financial issues

B. should learn 10 manage their finances well

C- should maintain a positive attitude when facing loans

D. benefit a lot from lessons on personal finance

What can we learn from the passage?

A. Many British teenagers do not know money matters well

B. Teenagers in Britain are heavily burdened with debts.

C. Financial planning is a required course at college.

D. Young people should become responsible adults.

Chief Executive Office

Lahore Stock Exchange

   Lahore Stock Exchange (LSE) is the 2nd largest exchange of the country with a workforce of almost 150 employees. The Exchanges of Pakistan are currently undergoing a major reform program involving shareholding(使成为股东制) in order to develop the capital markets further.

  We seek a dynamic(精干的), forward-thinking Chief Executive with ability to provide strong leadership and effective management to deliver its organization goals and strategic plan. The successful candidate(候选人) should have the business both pre and post shareholding with a proven record.

  The candidate should have minimum of 7 years of experience along with a business related degree or other professional qualifications. However, a strong record of achievement, excellent communication and team building skill are equally important. International qualifications or experience will be an added advantage together with the knowledge of the local corporate environment.

  Compensation package will be highly attractive and match the position. If you are interested in a strategic leadership role and be part of an organization to make a difference, please write to:

  Head of Human Resources, Lahore Stock Exchange (Guarantee)Ltd,

  19th  Khayaban- e- Aiwan –e- Iqbal, Lahore, Pakistan, together with your Curriculum Vitae and latest passport sized photograph.

What is NOT true about LSE?

A. It’s Lahore Stock Exchange

B. It’s one of the largest exchanges in Pakistan.

C. It’s developing Pakistan’s capital city

D. It’s located in Khayaban- e- Aiwan –e- Iqbal, Lahore, Pakistan

What is wanted according to this advertisement?

   A. A Chief Executive Office            B. A Chief Executive

   B. Head of Human Resources           D.A candidate

What does the underline word compensation probably mean?

   A. Salary      B. Job      C. Equipment      D. Food

March 22, 2011---Most restaurants in the United States offer their customers a glass of tap water at no charge with their meal, but this week many restaurants are asking dinners to pay a dollar, or more, for a glass of water. Cards on their tables explain that this small amount helps bring clean water to children around the world. It’s called the UNICEF Tap Project.

“UNICEF’s Tap Project is really all about bringing attention to the fact that over 900 million people around the globe do not have access to good, clean, healthy drinking water,” says Cary Stem, who heads the US Fund for UNICEF. She adds that water-borne illness is the second-highest cause of preventable childhood death in the world.

“Each and every day approximately 4,100 children die just because they don’t have that access - 4,100 every single day.”

The public service campaign encourages people to help change that statistic with a simple, affordable action: paying a dollar to get a glass of tap water at a restaurant.

“One dollar buys enough good, clean water for a child for 40 days,” Stem says.

“The tap project has expanded since it began five years ago with 300 restaurants in New York City. This year, Stem says, about 3,000 restaurants across the country are participating in the campaign. We raised about $2.5 million over the last five years of this campaign,” says Stem. “Last year, we raised over $1 million for the first time. This year we’re hoping to top that.”

Stem credits the continued success of the campaign to an army of volunteers who support the tap project and raise money in their communities.

The UNICEF Tap Project is promoting its efforts with a simple motto: when you take water, give water. Currently, UNICEF works in more than 100 countries around the world to improve access to safe water and sanitation facilities in schools and communities.

Stem hopes that, by participating in the project, more Americans will realize that what they often take for granted is a precious and scarce resource in many other parts of the world.

1.Restaurants began to charge for tap water to _______.

A. increase their profit

B. urge customers to save water

C. raise people’s awareness of the world water problem

D. collect money for those without access to safe water

2.We can learn from the text that the Tap Project ________.

A. began in New York City

B. was started by volunteers

C. is hoping to collect $2.5 million this year

D. provides help for 1,000 countries in the world

3.It can be learned that _______.

A. the Tap Project began in 2006

B. America suffers a serious problem

C. 4,100 children die of water pollution every year

D. water-borne illnesses are the biggest killer of children

4.How does Cary Stem feel about the work of the Tap Project?

A. Concerned     B. Hopeful          C. Disappointed      D. Angry

 

“She was born for the camera,” said a photographer who shot Liu Yifei’s picture when she was only eight.

Over the past year, Liu, an 18-year-old Chinese American, has shot to fame while playing Wang Yuyan in Jin Yong’s Eightfold Path of the Heavenly Dragon(《天龙八部》). Millions of teenagers have been drawn in by her light smile and beautiful long hair. Many magzines have described her as one of the most charming young actresses of 2004. People say that Liu will be even bigger this year.

“ She is so beautiful on TV. She has the special character to give flesh and blood to the fairy-like and beautiful Wang Yuyan,” said Yang Mingwei, a Senior 2 boy and Liu’s fan from Wuyi High School in Fujian.

Currently Liu filmed the TV series The return of the Condor Heroes(《神雕侠侣》), another Jin Yong novel. In the show aired this year, Liu played the Little Dragon female.

Liu is now a grade three student at the Beijing Film Academy, the star factory of China. But some people say that her success is only down to her beauty. When she returned to China with her mother at the age of 14, she did original work as a model. It was when a director saw her picture on an advertisement board on the street that her opportunity to work in TV arose.

“A pretty face does not last forever. To be a good actress you must work hard and have a professional attitude,” Liu said. Every day she spends hours practising all the kungfu kicks and punches for the show.

“There have been times during filming when I have remained hanging in the air on wires for half a day as the director keeps trying to get the perfect take,” said Liu recenly.

1.In the first paragraph, the photographer commented on Liu’s      .

A.beauty        B.talent as an actress

C.promising future D.special character

2.What does the underlined word “aired” probably mean?

A.Flown. B.Broadcast.   C.Published.   D.Recorded.

3.From Yang Mingwei, we learned that he meant Liu Yifei ______.

A.worked hard when playing Wang Yuyan

B.is more beautiful than Wang Yuyan

C.did a good job in the playing Wang Yuyan

D.was very lucky to play Wang Yuyan

4.In which part of a newspaper can you read the above passage?

A.National news.    B.Business.         C.Advertisement.   D.Famous people.

 

I lived in Dallas, Texas nearly all my life with my mom, dad and older sister. We were           41    to respect others, value education, and get all that we could out of life. My parents always say, “   42  hard and the world is yours.” They are never without a   43  word of advice or a bit of encouragement when life gets tough.

My parents always   44   me to go to college. However, when I    45  at 16 years old that I’d rather get married to a man than go to college, they    46   stopped telling me they loved me and I could anything I wanted to.   47  , they persuaded me. I graduated from high school and currently   48  the University of Oklahoma studying medicine. I want to make the   49  a better place to live in.

Every time I call home to tell them about a   50  I received in Chemistry Lab or Microeconomics or whichever    51  it is that I’m working hardest for at the moment, they tell me how   52  of me they are. I know there are college kids out there that have no one to call home when they an “A” on a project and I feel incredibly   53  to have my parents.

Don’t get me wrong: We’ve had our share of    54  . I was the angry teenager and they were the awful    55   that wouldn’t let me stay out all night or let me get my tongue pierced(扎洞).But somehow, we   56 to work through those issues. They never   57  loving in me or believing in me.

I   58 everything I am to my parents. Without their   59 love and encouragement, I wouldn’t believe I can change the world. My parents taught me to always   60  for what I believe in. So I’m working toward something really great and can only hope I continue to make them proud.

1.

A.brought

B.introduced

C.raised

D.ordered

 

2.

A.Educate

B.Work

C.Train

D.Practise

 

3.

A.basic

B.brilliant

C.popular

D.meaningful

 

4.

A.reminded

B.expected

C.supposed

D.chose

 

5.

A.arranged

B.judged

C.wished

D.decided

 

6.

A.never

B.ever

C.seldom

D.hardly

 

7.

A.Carefully

B.Hopefully

C.Thankfully

D.Delightfully

 

8.

A.serve

B.attend

C.visit

D.join

 

9.

A.fortune

B.house

C.universe

D.world

 

10.

A.grade

B.present

C.failure

D.value

 

11.

A.job

B.item

C.course

D.task

 

12.

A.fond

B.proud

C.sure

D.nervous

 

13.

A.satisfied

B.encouraged

C.relaxed

D.blessed

 

14.

A.lessons

B.problems

C.moments

D.experiences

 

15.

A.teachers

B.directors

C.couple

D.staff

 

16.

A.managed

B.attempted

C.allowed

D.requested

 

17.

A.admitted

B.minded

C.kept

D.stopped

 

18.

A.pay

B.owe

C.return

D.show

 

19.

A.romantic

B.wild

C.constant

D.faithful

 

20.

A.fight

B.look

C.wait

D.care

 

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