题目内容

 Personal finance is an increasingly complex world. There are more ways to invest money,more ways to save it,and more ways to lose it. Yet many people are more strangers to this world than they might like to admit.

  Starting young to teach financial literacy.

  In the United States,there are growing calls to do more to help young people learn skills in financial literacy. Some efforts begin in high school. But more and more information is available on the Internet,not only for young people but also for adults. The goal is to teach about budgeting,saving,investing and using money.

  The United States Financial Literacy and Education Commission was established in two thousand three. This government group supervises financial education efforts through nineteen federal agencies.

  Information on financial literacy and education can be found at its Web site. The address is My Money,gov. It includes links to agencies that deal with banking,buying a home,investing and other areas.

  The National Council on Economic Education has found that seventeen states now require high school students to take a class in economics. This number has grown from thirteen in nineteen ninetyeight.

  As of three years ago,half of all states required students to take a class in personal finance. Yet that number has fallen from twentyfive to twentytwo.

The National Council on Economic Education sells textbooks for grades four through twelve. It also offers free materials for teachers. The information is available at ncee.net.

  Teachers say parents also need to play a larger part in educating their children about money. A recent study found that seventy percent of college students said they received financial advice mainly from their parents.

Investment companies also offer information. Charles Schwab,for example,has a Web site to help parents teach their kids about money and investing.   The address is SchwabMoneyWise. com.

  One of the first tastes of financial independence that many young people get is through summer jobs. Junior Achievement is an organization that teaches young people about finance and business. It says almost threefourths of young people questioned said they planned to have a summer job.

(   ) 1. What's the goal of teaching young people financial literacy?

   A. To teach them budgeting.

   B. To teach them saving.

   C. To teach them investing and using money.

   D. All of the above.

(   ) 2. Which web site or organization can help parents teach their kids about money and investing?

   A. My Money.gov   B. ncee.net

   C. SchwabMoneyWise.com   D. Junior Achievement

(   ) 3. Which of the following is NOT true?

   A. The US Financial Literacy and Education Commission was set up in 2003.

   B. 13 states in the US required high school students to take a class in economics in 1998.

   C. 3 years ago,half of all states in the US required students to take a class in personal finance.

   D. Through summer jobs,young people can try to become independent in finance.

(   ) 4. What's the best title of the passage?

   A. Information on Financial Literacy and Education

   B. How to Get Financial Independence

   C. Starting Young to Teach Financial Literacy

   D. The Way of Earning and Saving Money

1. D根据文章第2段The goal is to teach about budgeting,saving,investing and using money, 可知答案为D.

2. C根据文章倒数第2段Charles Schwab,for example,has a Web site to help parents teach their kids about money and investing. The address is SchwabMoneyWise.com可知答案为C.

3. B根据文章第6段B项应为17 states而不是13 states,其余几项都是对的。

4. C其余几项作为标题都比较片面，只能概括部分段落的意思，只有C项比较全面地概括了本文的意思。

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 Ben was awakened by a gunshot. The sharp noise came 1        the thick stone walls of the house. It was cold in the bedroom. Ben Newman was 2        as he got out of bed.

  He put on his eyeglasses and went over to the 3       . The field was covered with white frost. Nothing 4       out there in the deep quiet just before sunrise. Ben looked past the 5        to the thick woods. Two weeks ago,he saw a deer among the trees. He held his 6        with excitement,then the deer walked off.

  Ben wondered where the 7        had come from. He thought perhaps he had dreamed he heard a gunshot. He 8       toward the frozen lake. Near the trees he saw a shining piece of metal. When it moved,Ben saw that it was a long 9       . A minute later,a man came out of the woods. He wore 10        clothes. Suddenly,a bird flew upward. The man quickly put the gun to his 11        and shot. Ben watched the bird,12       it had not been hurt. It flew near the ground and went into some tall grass.

"Safe ," Ben thought.

  The hunter did not 13        for a moment,then he began to follow the bird. 14       for the hunter burned inside of Ben.

  "Hey！" he shouted. His voice cut through the 15       . The hunter stopped,but then continued to follow the bird.

  Ben shouted again. This time the hunter did not 16       . Ben started to move toward him. But Ben was in his nightclothes and he did not go 17       ,instead he returned to the house. He got a metal shovel (铲) and hit the stone sides of the house so that the 18        would warn the birds and animals of danger. The hunter looked 19        at Ben.

  "No 20       on my land！" Ben shouted.

(   ) 1. A. in   B. across   C. over   D. through

(   ) 2. A. shaking   B. bleeding   C. shouting   D. hurting

(   ) 3. A. kitchen   B. downstairs   C. window   D. livingroom

(   ) 4. A. passed   B. cried   C. lived   D. moved

(   ) 5. A. ground   B. field   C. window   D. ice

(   ) 6. A. palms   B. pulse   C. breath   D. arms

(   ) 7. A. shot   B. deer   C. bird   D. noise

(   ) 8. A. broke out   B. burst out   C. held out   D. looked out

(   ) 9. A. stick   B. pole   C. gun   D. branch

(   ) 10. A. warm   B. hunting   C. strange   D. dirty

(   ) 11. A. hands   B. shoulder   C. chest   D. head

(   ) 12. A. thinking   B. considering   C. wanting   D. praying

(   ) 13. A. move   B. hunt   C. call   D. escape

(   ) 14. A. Hate   B. Love   C. Curiosity   D. Support

(   ) 15. A. loudness   B. sadness   C. stillness   D. coldness

(   ) 16. A. stop   B. move   C. hesitate   D. follow

(   ) 17. A. off   B. far   C. fast   D. away

(   ) 18. A. collision   B. crash   C. noise   D. shot

(   ) 19. A. back   B. over   C. forward   D. aside

(   ) 20. A. animals   B. chasing   C. noise   D. hunting

  Teenagers and young adults who see more alcohol advertising are also likely to drink more,according to a study that makes the strongest link yet between alcohol advertisements and youth drinking.

  The findings from the United States challenge the claim by alcohol manufacturers that advertising does not influence the amount that young people drink,but merely encourages them to switch brand (change to drink another kind of alcohol) .

  In a study at the University of Connecticut,scientists interviewed more than 4 ,000 Americans aged between 15 and 26 about their drinking habits and viewing of advertisements. They found that each additional alcohol advertisement seen each month was connected with a 1 percent increase in the average number of alcohol drinking.

  Leslie Snyder,who led the study,said, "The results ... deny claims that advertising is unrelated to youth drinking amounts,that advertising at best causes brand switching,only affects those older than the legal drinking age,or is effectively objected against by current educational efforts."

  "Alcohol advertising was a contributing factor to youth drinking quantities over time." Young people drank 3 percent more alcohol per month for each additional dollar spent per person in each of the markets studied.

  David Jernigan,of the Centre on Alcohol Marketing and Youth at Georgetown University,Washington D C. wrote in an editorial that the research cast doubt on the alcohol industry's central claims about advertising.

  "The fact that young people were more likely to drink more over time in environments with more alcohol advertising,even when controlling for alcohol sales in those environments,suggests that it is alcohol advertising that contributes to the drinking," he said.

  "These and other findings pointed to alcohol advertising ' as an important area for trying to reduce underage drinking and its tragic consequences' ”he added.

(   ) 5. Which is NOT included in the claims by alcohol manufacturers?

   A. Alcohol advertising only encourages people to change brand.

   B. Alcohol advertising was the main cause leading to youth drinking quantities all the time.

   C. Alcohol advertising does not influence the amount that young people drink.

   D. Alcohol advertising affects those older than the legal drinking age.

(   ) 6. The underlined phrase "cast doubt on" means         .

   A. criticize   B. disagree with

   C. question   D. make comments on

(   ) 7. According to the passage,which of the following is NOT right?

   A. In environments with more alcohol advertising young people will drink more alcohol.

   B. The result of the study indicates that we should try to reduce alcohol advertising.

   C. If we reduced advertising,we would reduce some bad effects from drinking.

   D. The alcohol advertising just has influence on the older people.

(   ) 8. What's the best title of the passage?

   A. Alcohol Advertising's Influence on People

   B. Alcohol Advertisements Do Make Teens Drink More

   C. The Study of Alcohol Advertising

   D. Current Educational Effort is Fighting against the Alcohol Advertising

  A panic attack is a sudden feeling of terror. Usually it does not last long,but it may feel like forever.

  The cause can be something as normally uneventful as driving over a bridge or flying in an airplane. And it can happen even if the person has driven over many bridges or flown many times before.

  A fast heartbeat. Sweaty hands. Difficulty breathing. A lightheaded feeling. At first a person may have no idea what is wrong. But these can all be signs of what is known as panic disorder.

  In the United States,the National Institute of Mental Health says more than two million people are affected in any oneyear period.

  The American Psychological Association says panic disorder is two times more likely in women than men. And it can last anywhere from a few months to a lifetime.

Panic attacks can be dangerous―for example,if a person is driving at the time. Some people who suffer a panic attack develop a phobia,a deep fear of ever repeating the activity that brought on the attack.

  But experts say panic disorder can be treated. Doctors might suggest antianxiety or anti depressant medicines. Talking to a counselor could help a person learn to deal with or avoid a panic attack. There are breathing methods,for example,that might help a person calm down. 

  Panic disorder is included among what mental health professionals call anxiety disorders. A study published last week reported a link between anxiety disorders and several physical diseases.

  The report in the Archives of Internal Medicine came from a German health study of more than four thousand adults.

(   ) 1. When a panic happens,you can have the feeling that         .

   A. your heart beats slowly   B. your hands become sweaty

   C. you breath faster   D. your reaction is quicker

(   ) 2. What is the best title for the passage?

   A. A Panic Is a Kind of Disease

   B. How to Prevent Panic Attacks

   C. A Research Report about Panic Attacks

   D. The Cause of Panic Attacks

(   ) 3. In which section can you find the passage in the newspaper?

   A. Entertainment. B. Sports.

   C. Health. D. High technology.

(   ) 4. What does the underlined word "phobia" in the passage mean?

   A. A kind of deep fear after a panic attack.

   B. A disease resulting in death.

   C. A special treatment to cure panic attacks.

   D. A sort of medicine for heart disease.

  We know the effect calories have on your body. For each pound of weight that your body carries,it takes about 12 calories per pound per day to keep it alive. If you weigh 150 pounds,you therefore need about (150 x 12) 1,800 calories per day to keep yourself alive and maintain that same weight.

  If you were to eat more than 1,800 calories per day,the surplus turns into fat. It takes about 3 ,600 excess calories to make a pound of fat.

  Let's say that you were to eat,on average,2,000 calories per day. That extra 200 calories per day is going to turn into fat. However,you will eventually hit a point of equilibrium (平衡，均衡) because as you gain weight,you need more calories to maintain that weight. So,a person eating an average of 2,000 calories per day will hit equilibrium at (2,000 / 12) 166.67 pounds.So let's say that you eat,on average,2,000 calories per day and reach equilibrium at 166 pounds. Then you go on a crash diet where you eat only 1,000 calories per day for 60 days. You lose 16 pounds and reach your target weight of 150 pounds. But then you go right back to eating 2,000 calories per day again. The graph below shows your eating pattern before,during and after the diet:

  Note that the graph assumes that you,like most people,eat a random number of calories per day. Some days you are "good" and eat less,and some days you are   "bad" and eat more,but the assumption is that it averages out to 2,000 calories per day over the long run. This graph shows what happens to your weight before,during and after the diet ：

  The diet really takes the weight off. But the weight comes right back when you return to your "normal" eating pattern. The weight appears to come back so quickly because when you are at your lightest,you tend to gain more weight each day. The lighter you are,the fewer calories you need. If you only need 1,500 calories per day and you're eating 2,000,you're going to gain weight faster than if you need 1 ,800 and you're eating 2,000.

  There are only two ways to keep the weight off:

  Change your overall eating pattern so that you take in,on average,fewer calories than before you went on the diet.

  Start exercising so that you "burn" the extra calories you take in.

  The best course of action is a combination of these two options.

(   ) 5. The problem that the writer tries to deal with is         .

   A. how to lose weight fast while changing the diet

   B. why the weight comes back so quickly once one stops dieting

   C. how to reach the point of equilibrium

   D. what your target weight is

(   ) 6. What can we learn from the two graphs?

   A. It is hard to keep one's normal weight.

   B. The better way for you to lose weight is keeping your dieting. ,

   C. You will gain weight faster than before dieting.

   D. It is not necessary for you to lose weight by dieting.

(   ) 7. According to the passage,if you weighed 100 pounds and you were to eat on average 1400 calories per day,a year later,you would be         .

   A. 100 pounds   B. 166.67 pounds

   C. 116. 67 pounds   D. 97 pounds

(   ) 8. What is the best way to keep the weight off according to the passage?

   A. Keep your diet and never stop.

   B. Return your overall eating pattern and exercise more.

   C. Take in fewer calories than before your diet and exercise more.

   D. Change your diet and start exercising to burn the extra calories.

4. She said that she had benefited from lessons on personal finance,but        that she still had a lot to learn about money.

   A. consulted   B. spotted

   C. admitted   D. donated

1. After we heard         ，we realized that we had been mistaken about him.

(explain)

听完他所解释的以后，我们意识到我们误会了他。

8. The park is not only old but         . Two or three times as many visitors come every year. That is too many visitors for the park to deal with.

   A. worn out   B. tried out   C. made out   D. sent out

9. In modern times,house wives are more        the heavy housework with more and more household machines like washing machines.

   A. different from   B. present from

   C. similar from   D. free from

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