题目内容

  Spending beyond one’s means is becoming a national problem for Americans.Borrowing has become so easy that it takes great willpower for people to refuse it.“I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months,”said one computer engineer at AT &T Bell Laboratories in Chicago.“I got three of them in one day last week.”

 Lenders are providing easy credit(信贷)for borrowers.Many banks now offer every borrower a great variety of credit,a service once offered almost only to big companies.Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly m half .Carmakers,too,are lengthening easier terms.Ford Motor Credit states that 45 % of its recent lendings has been for sixty months,rather than the sixty-six-month period that was usual before.

 The total consumer debt(债务)in the United States rose 73 percent between 1974 and 1984,as the debt for each man,woman,and child increased from $10,264 to $26,566.Huge debt now is present in our economy(经济)at all levels.As a nation,we are more than $7 trillion in debt,and the total keeps increasing astonishingly.

 As we have over borrowed,so have we overspent.In late 986,the share of after-tax income that Americans saved sank below 2 percent for a short time,less than half the figure at which we saved only 10 years ago.Americans now are buying from foreigners between about $50 and $100 billion more Mercedes and Toyotas, Paris fashions,and tours to Europe than the Boeing 747s, agriculture machinery , or Kansas wheat that the foreigners bought from America. The country could not produce and pay for all the things it wanted.

 To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings.It is high time for us American people to learn the basics of long-term money management.

48.According to the author,  what is a main reason for Americans to overspend?

A.        Americans buy a lot of  foreign products.

B.        It is easy for Americans to manage their debts.

C.        Borrowing money has become a simple matter.

D.       Americans have more extra money than before.

49.Ford Motor Credit lengthens 45%of its lending to 60 months in order to_______.

A.        help more Americans to settle their debts

B.        encourage people to buy foreign cars

C.        make better use of its money

D.       attract more customers

   50.What does the author suggest as a way to deal with over borrowing?

A.        Teaching people how to manage money.

B.        Advising people on what to buy.

C.        Limiting the use of credit cards.

D.       Reducing average incomes.

   51.Which of the following points does the author wish to make?

A.        America should sell more of its products abroad.

B.        A healthy society has to learn to 1ive within its means.

C.        People’s income determines their money management.

D.       Government should prevent people from over borrowing.

 

 

解析:

48.C  49.D   50.  A   51. B   

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第二节:完形填空(共20小题;每小题1分,满分20分)
阅读下面短文,掌握其大意,然后从36—55各题所给的四个选项(A、B、C、D)中,选出最佳选项,并在答题卡上将该项涂黑。
An elderly carpenter (木匠) was ready to retire.He told his employer of his __36___to leave the house building __37__ and live a more leisurely life with his wife, ___38___ time with his extended family.He would ___39___the pay, but he needed to retire.They could ___40___.
The employer was ___41____to see such a good worker leave and asked if he could build just one more house as a personal___42___.The carpenter said yes, but in time it was ___43___ to see that his heart was not in his work.He built the house ___44___ and used poor materials.It was an ___45___ way to end his career.
When the carpenter ___46___ his work, the employer handed the front – door key to the carpenter.“This is your house,” he said, “a ___47___ to you.”
What a shock! What a ___48____! If he had only known he was building his __49___house, he would have done it all so __50__.Now he had to live in the home he had built none too well.
__51___it is with us.We build our __52___in a distracted (心不在焉)way, reacting rather than acting, willing to put up less than the best.At __53___points we do not give the job our best effort.Then with a shock we look at the situation we have __54_____ and find that we are now living in the house we have built .If we had ___55___, we would have done it differently.
36.A.retirement     B.problem   C.purposes  D.plans
37.A.business  B.site   C.teams      D.workers
38.A.spending B.dividing   C.enjoying  D.sparing
39.A.consider  B.miss  C.raise D.save
40.A.get by     B.get alone  C.get back  D.get around
41.A.ashamed  B.anxious    C.frightened      D.sorry
42.A.favor       B.bargain   C.present    D.reply
43.A.frank      B.probable  C.easy  D.content
44.A.sadly       B.carelessly      C.slowly      D.proudly
45.A.unfair     B.unhappy  C.unfortunate    D.unlucky
46.A.checked   B.discovered      C.prepared D.finished
47.A.gift  B.salary      C.memory   D.punishment
48.A.quality    B.prize C.shame      D.surprise
49.A.final B.best  C.everlasting      D.own
50.A.differently      B.quickly    C.hard D.happily
51.A.Then       B.So    C.But  D.Whatever
52.A.houses     B.bodies      C.glories     D.lives
53.A.difficult  B.main C.strong     D.important
54.A.created    B.faced       C.improved D.avoided
55.A.known    B.noticed    C.realized   D.previewed

Choose Winners Club, and you choose to be a winner! The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account(交易账户)where you receive a key-card so you can get to your money 24/7 – that’s 24 hours a day, 7 days a week! It’s a club with impressive features for teenagers: No account keeping fees! You’re no millionaire so we don’t expect you to pay large fees. In fact, there are no account keeping or transaction fees! Excellent interest rates!
You want your money to grow? The Winners Club has a good rate of interest which gets even better if you make at least two deposits(储蓄)without taking them out in a month. Convenient Teenagers are busy – we get that. You may never need to come to a bank at all. With the Winners Club you can choose to use handy tellers and to bank from home using the phone and the Internet. You can have money directly deposited into your Winners Club account. This could be your pocket money or your pay from your part-time job!
Mega Magazine included along with your regular report, will definitely assure you  to receive a FREE magazine full of good ideas to make even more of your money. There are also fantastic offers and competitions only for Winners Club members. The Winners Club is a great choice for teenagers. And it is so easy to join. Simply fill in an application form. You will have to get permission from your parent or guardian (so we can organize that cool key – card) but it is easy. We can’t wait to hear from you. It’s the best way to choose to be a winner!
【小题1】Which of the following is TRUE about the Winners Club?

A.Special gifts are ready for parents.
B.The bank opens only on work days.
C.Services are convenient for its members.
D.Fees are necessary for the account keeping.
【小题2】The Winners Club provides magazines which ________.
A.encourage spending
B.are free to all teenagers
C.are full of adventure stories
D.help to make more of your money
【小题3】If you want to be a member of the Club, you must ________.
A.be an Internet user
B.be permitted by your parent
C.have a big sum of money
D.be in your twenties
【小题4】What is the purpose of this text?
A.To set up a club.
B.To provide part-time jobs.
C.To organize key-cards.
D.To introduce a new banking service.

完形填空(共20小题;每小题1分,满分20分)

阅读下面短文,从短文后各题所给的四个选项(A、B、C和D)中,选出空白处的最佳选项,并在答题卡上将该项涂黑。

One day in summer I stepped into a tiny coffee shop to drink a cup of black coffee. As I entered, I found a very old woman bent   1.   a table near the door. Her back was so   2. twisted(弯曲) by some sadness that her face nearly  3.  the table-top. I sat down facing her two tables away.

    "Poor woman," I thought. "What does she  4.  life? Why does God let people live so 5.  past their prime(黄金时期)?"

As I thought,   6.   aged lady entered the shop and sat down with her. Soon the two of them were talking about    7.  . They talked of how little the shop had  8.   in 70 years... In minutes the two of them were   9.   with laughter.

    I looked again at the   10.  woman, then in the mirror on a nearby wall,   11.  a picture of  myself.

    I was wearing a dirty shirt. She was well dressed in white, gold rings on her fingers.

    I was in   12.   spirits. She was laughing, smiling.

    I was putting the  13.    of my life together. She had millions of wonderful   14.   to recall.

    She was   15.    the day with a good friend. I was   16.   worried about getting old. She was old but it wasn't  17.  her.

    As I left the shop, I thought of my   18.   questions about God letting people live past their prime. Why, that woman was more  19.   and more sensitive than I was.    20.   has not bent her spirit. But I am always filling my mind with something unpleasant.

 21. A. to              B. on           C. over                 D. toward

 22. A. heavily             B. badly            C. slightly             D. hardly

 23. A. struck              B. reached      C. stuck           D. touched

24.A. get out of        B. get off      C. get away with        D. get into

 25. A. hard                B. long             C. slowly          D. rapidly

 26. A. other               B. the very         C. another         D. a certain

 27. A. bright future       B. recent history   C. the present day      D. childhood days

 28.A. changed          B. improved         C. rebuilt              D. developed

  29. A. jumping            B. trembling        C. burning         D. running

  30. A. older              B. poor             C. first                D. younger

31. A. watching        B. taking       C. searching       D. catching

  32. A. high               B. low          C. good            D. sad

33. A. dreams             B. pages            C. pieces          D. hopes

34. A. affairs           B. sufferings       C. incidents            D. memories

35. A. spending           B. enjoying         C. sharing         D. wasting

36. A. certainly         B. completely   C. naturally            D. secretly

37. A. hurting            B. choking      C. defeating            D. beating

38. A. funny         B. foolish      C. serious         D. curious

39. A. alive              B. strong       C. useful               D. powerful

40. A. Wealth           B. Life             C. Time             D. Age

 

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