According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US$4,100 in debt, on top of whatever student loans they may have taken out.

Credit cards are the most convenient form of payment, and they are aggressively marketed to college students. Reportedly, a typical college student carries 4.6 credit cards and US$3,173 in credit card debt.

Credit cards seem to be a fact of life, not just student life. In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example. Your credit score can affect even unrelated things like insurance rates. Credit cards also offer more protection for users than debit cards (借记卡).Under federal law, the credit card holder is only responsible for the first US$50 in fraudulent(欺诈的)purchases in cases of theft or loss. However, debit card users are responsible for the first US$500.

SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information. Those who didn’t get any guidance were more likely to be surprised when they found out how much they owed.

While credit cards offer the easiest access to money, they make it easy to live outside your means. Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates.

SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail. But when the credit card offers flow in, be sure that you read the fine print. Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off.

1. What does the first paragraph imply?

A. Most of the senior students are shocked to see how much they owed.

B. Students can only take out loans from credit cards.

C. Most of students’ loans come from credit cards.

D. Credit cards have a bad effect on college students.

2. The underlined part “come in handy” in the third paragraph probably means “_______”.

A. bring trouble          B. make mistakes       C. be important        D. be useful

3. According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?

A. Many students’ first credit card is based on direct mail.

B. It costs the banks little to mail out credit cards.

C. Students don’t like to go to the bank to open a credit card account.

D. Banks have no other way to let students use their credit cards.

4.What is the theme of the third paragraph?

A. The advantages of using debit cards.

B. The similarities between credit cards and debit cards.

C. The advantages of using credit cards.

D. Credit cards are the most convenient form of payment.

 

You may go to karaoke or disco clubs with your friends during the summer holidays. But be careful. In these   41   places you may see people selling small, colourful pills. Make sure you do not try them.

The seller   42    say they are safe and can help you enjoy yourself or   43    from sadness. They may even offer you a free   44  , and tell you that everybody is using   45  .But you must be alert to the   46   that these drugs could destroy your life.

When you put them into your body, often   47   swallowing, breathing in or injecting, drugs find their way into your brain.

Drugs may either speed up  48  slow down your senses. Their effects are different depending on body size, shape, and chemistry.  49   it can make you feel good at first, a drug can do a lot of   50   to your body and brain.

One of the most popular drugs in nightclubs is the so-called head-shaking or ecstasy pill. The drug hits users with a fast high, 51   them feel powerful and full of  52  . Heart rate, breathing and blood pressure 53  - risking damage to your nervous system. Marijuana (大麻) is a   54   used illegal drug. It is called the gateway drug, because using it sometimes  55   harder drugs. It is mostly smoked in a cigarette.

There is   56   risk related to taking drugs that must be   57  . Sharing a needle to inject a drug puts a user at a very 58   risk of being affected with HIV.

Drugs may appear in many different   59 , some with cool names, but taking them could   60   your health forever.

1.                A.boring         B.exciting         C.noisy D.surprising

 

2.                A.may           B.must           C.should   D.can

 

3.                A.keep           B.stay            C.escape   D.stop

 

4.                A.drink          B.try             C.cigarette  D.taste

 

5.                A.it             B.him            C.her  D.them

 

6.                A.fact            B.problem        C.trouble   D.reality

 

7.                A.with           B.for            C.by   D.in

 

8.                A.and            B.so             C.but  D.or

 

9.                A.Although       B.Because        C.If    D.Despite

 

10.               A.hurt           B.injury          C.damage   D.harm

 

11.               A.driving         B.having         C.making    D.keeping

 

12.               A.food           B.energy         C.hope D.interest

 

13.               A.develop        B.grow           C.rise  D.increase

 

14.               A.deeply         B.widely         C.strongly   D.highly

 

15.               A.prevents       B.cause          C.leads to   D.aims at

 

16.               A.the other       B.other          C.others D.another

 

17.               A.avoided        B.taken          C.missed    D.interrupted

 

18.               A.big            B.high           C.large D.wide

 

19.               A.tastes          B.smells          C.colours    D.forms

 

20.               A.kill            B.break          C.endanger  D.ruin

 

 

 

                                                                  

第二节:读写任务(共1小题,满分25分)

阅读下面的短文,然后按照要求写一篇150左右的英语短文。

Honesty is one of the most treasured traditional values in China. The children are taught to be honest when they are very young. At schools the students are also instructed to be honest.

However, with the development of society, we often hear complaints about dishonesty. Reports with the theme of dishonesty often appear in the media. For example, some people try to get rich and live a comfortable life. But they do not work hard honestly, instead they cheat others. They sell something quite ordinary at a very high price. Some people's delaying paying back the loan can serve as another example. Some people, including some college students, get loan from the bank, and promise to pay within, say, 3 years. However, they don't do that.

The dishonest people sometimes can get benefit from their behaviors. So some people assert that dishonesty can bring people benefit, while honesty only makes people suffer. Is that so? Definitely not. It is always true that honesty is the best policy. It pays to be honest. The cheater selling “the treasure” mentioned above will surely be disclosed and punished some day.

On the contrary, if he had been honest, neither the buyer nor he himself would have suffered. The people who do not return money in time will sooner or later become infamous, and will not get the money from others again. If he had acted differently, he would have earned respect and trust, meanwhile, the bank would not have suffered from loss.

[写作内容]

1. 以约30个词概括短文的要点。

2. 然后以约120个词就“诚实”的主题发表看法,并包括以下要点:

   (1)         你对不诚实现象的看法;

   (2)         诚实的重要性;

   (3)         作为中学生,该如何做一个诚实的人。

[写作要求]

1. 作文中可使用自己的亲身经历或虚构的故事, 也可以参照阅读材料的内容,但不得直接引用原文中的句子;           2.标题自定。

[评分标准]    概括准确,语言规范,内容合适,篇章连贯

 

“Few things help an individual more than to place responsibility upon him,and let him know that you trust him.” These words are from the black American educator,Booker Washington. He was saying that,“If you want people to grow up,you have to stop treating them like children.”

In America,families are close but children are encouraged to be independent,to make their own decisions,even at a very early age. It’s not unusual for a child of seven to be given an allowance(津贴)every week. The child is encouraged to save some of the money but he or she can spend it on whatever they choose,for example,buying clothes,school supplies or CDs. Some teenagers even have their own credit cards! That’s a big responsibility since even adults are tempted to overspend when they have credit cards.

From an early age,American children are asked for their opinions and they are included in family decision making. At the dinner table,teenagers will be listened to on any topic,from politics to buying a new family car or where the family will go on vacation. In this way, teenagers are getting practice in becoming individuals:they are learning how to stand on their own two feet.

Many Chinese young people are becoming almost as interested as American teens in searching for independence. They want to express those qualities that make them unique human beings. You can see this in the way they dress, the music they listen to and the friends they choose. “Super Girl” Li Yuchun caught the imagination of Chinese teenagers on the “Super Girl” television contest. She was not the traditional “nice,young Chinese girl”. With her short,spiky hair and boy-like clothes, she was telling everyone that she was different. She had the courage to be her own person and to stand on her own two feet...and she won!

There is an old saying,“Everyone should carefully observe which way his heart draws him and then choose that way with all his strength.” If you do this, step by step, over a period of time, you may find that you have become the person you always wanted to be.

1.The passage is intended to encourage the youth to________.

A.save money for useful things

B.become independent

C.express their great ambitions

D.make important decisions

2.A child of seven is given an allowance so that he can______.

A.be accepted as a popular guy

B.learn to decide how to use money

C.overspend money without care

D.have school supplies of his own

3. The author implies that many Chinese children________.

A.are more independent than Americans

B.should become interested in America

C.are happy with their present situation

D.are not satisfied to be nice, quiet ones

4.The main idea of the last paragraph is________.

A.that we should do things step by step

B.why we should understand our desires

C.what we should plan for our own life

D.how we can manage to realize our dreams

 

“Few things help an individual more than to place responsibility upon him,and let him know that you trust him.” These words are from the black American educator,Booker Washington. He was saying that,“If you want people to grow up,you have to stop treating them like children.”

In America,families are close but children are encouraged to be independent,to make their own decisions,even at a very early age. It’s not unusual for a child of seven to be given an allowance  (津贴) every week. The child is encouraged to save some of the money but he or she can spend it on whatever they choose,for example,buying clothes,school supplies or CDs. Some teenagers even have their own credit cards!That’s a big responsibility since even adults are tempted to overspend when they have credit cards(信用卡).

From an early age,American children are asked for their opinions and they are included in family decision­making. At the dinner table,teenagers will be listened to on any topic,from politics to buying a new family car or where the family will go on vacation. In this way,teenagers are getting practice in becoming individuals:they are learning how to stand on their own two feet.

Many Chinese young people are becoming almost as interested as American teens in searching for independence. They want to express those qualities that make them unique human beings. You can see this in the way they dress,the music they listen to and the friends they choose.“Super Girl” Li Yuchun caught the imagination of Chinese teenagers on the “Super Girl” television contest. She was not the traditional “nice,young Chinese girl”.With her short,spiky hair and boy­like clothes,she was telling everyone that she was different. She had the courage to be her own person and to stand on her own two feet...and she won!

There is an old saying,“Everyone should carefully observe which way his heart draws him and then choose that way with all his strength.” If you do this,step by step,over a period of time,you may find that you have become the person you always wanted to be.

1.

 The passage is intended to encourage the youth to________.

A.save money for useful things     B.become independent

C.express their great ambitions     D.make important decisions

2.

 A child of seven is given an allowance so that he can______.

A.be accepted as a popular guy     B.learn to decide how to use money

C.overspend money without care    D.have school supplies of his own

3.

 The author implies that many Chinese children________.

A.are more independent than Americans      

 B.should become interested in America

C.are happy with their present situation        

D.are not satisfied to be nice,quiet ones

4.

The main idea of the last paragraph is________.

A.that we should do things step by step     

B.why we should understand our desires

C.what we should plan for our own life    

 D.how we can manage to realize our dreams

 

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