Nine out of 10 people have run up unsecured debt and many fear they will never be able to pay back what they owe, a survey has claimed.
Around 89% of people aged between l|8 and 35 said they owed money on a credit card, loan or overdraft, the research showed.
A third of people admitted they did not think- they would ever be debt-free, 54% of whom said they would always need to borrow money in order to fund the lifestyle they wanted.
One in five of these people also claimed they were not worried about the possibility of their debts being passed on to their next of kin if they died before they were repaid.
Just over half who owed money said they did not feel in control of their debt, with 8% admitting they had needed to ask for help with repayments from a friend or family member.Eight out of 10 people also told the research for discount website MyVoucherCodes.co.uk that they thought it was too easy to borrow money through their bank or on credit cards.
Farhad Farhadi, MyVoucherCodes.co.uk’s personal finance expert, said: "The majority of British adults owe money m some way, shape or form, but to see that almost a third think they’ll never be free c ^ from debt is quite alarming.
"When borrowing money from any source, how you are going to repay it should always be in the back of your mind.
"A lot of people don’t-really think about ’die consequences of borrowing money and it can be easy to get complacent, but keeping it all under control should be a priority from the off.Only borrow what you really think you can afford to pay back."
【小题1】The best title for this passage is_________.

A.I’ll die in debt, say one in threeB.Desperate British
C.The beginning of the endD.Borrowing money from any source
【小题2】Which of the following is NOT true?    
A.Most British adults are in debt in some v/ay.
B.It is hard for the British to borrow money through their bank.
C.Lots of people do not take repaying money seriously.
D.This passage is a warning for the British.
【小题3】What does the underlined phrase mean?  
A.end withB.from the start
C.ever sinceD.fore ever
【小题4】What does Farhad mean by saying "the majority of British adults owe money in some way, shape or form"? 
A.It is natural to owe money m Britain so there in no need to worry.
B.It is natural to owe money in Britain as long as you are in control.
C.It does not matter to owe money in Britain if you are rich enough.
D.It seems that the British enjoy owing money in some way.

第二节完形填空(20小题;每小题2分,满分40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,选出可以填入空白处的最佳选项,并在答题卡上将该项涂黑。

My father enjoys bike riding.Ever since I was little, I’ve always loved going biking with my dad.36 , as I became a teenager, other things began to draw my    37 .It was important to do things with friends  38   .I saw my dad every evening at home.Why did I have to  39  my Sundays to all-day bike trips with him , too? If my indifference(冷漠) hurt him, my father kept  40  , but he would always let me know when he was planning a bike trip  41  I wanted to come.

It was a Sunday morning, and I was in low  42 .Two of my friends had gone to the movies without inviting me.Just then my father  43 my room.“It’s a beautiful day.Want to go for a  44  today, Beck?”  “Leave me alone! ” I impatiently  45 .Those were the last words I said to him before he left the house that  46   .

Several hours later, the police called us,  47  us that Dad had a traffic accident.My father’s injuries were serious.It took several days before he could 48  speak.Beside his bed I held his hand gently,   49  of hurting him.

“Daddy … I’m sorry …”

“It’s OK, sweetheart.I’ll be OK.”

“No,” I said, “I  50  what I said to you that day.You know, that morning?”

“Sweetheart, I don’t  51  anything about that day, not before, during or after the accident.I remember kissing you goodnight the night before, though.” He 52  a weak smile.

I felt regretful for my thoughtless remark, for I   53  wanted him to leave me alone.My teacher once told me that  54  have immeasurable power.They can hurt or they can heal.And we all have the  55  to choose our words.I intend to do that very carefully from now on.

36.A.There fore       B.Instead            C.Besides       D.However

37.A.attention      B.sight            C.effort             D.energy

38.A.once again    B.all of a sudden      C.in time      D.on one hand

39.A.start         B.save               C.devote       D.waste

40.A.silent          B.busy            C.asleep          D.awake

41.A.unless       B.in case            C.so that         D.as if

42.A.spirits      B.conditions          C.emotions      D.hopes   

43.A.left            B.checked          C.entered       D.knocked

44.A.ride         B.walk            C.picnic       D.game

45.A.whispered       B.warned            C.announced    D.shouted

46.A.moment      B, morning           C.afternoon      D.evening

47.A.convincing   B.reminding        C.informing     D.phoning

48.A.eventually     B.generally        C.strictly            D.broadly

49.A.tired           B.afraid           C.aware         D.sorry

50.A.discuss        B.think             C.care         D.mean

51.A.hate        B. forget           C.remember      D.like

52.A.got          B.expressed         C.exchanged    D.managed

53.A.often        B.never           C.even         D.once

54.A.apologies      B.promises          C.smiles       D.words       

55.A.experience     B.honor             C.power          D.desire

 

Directions: Read the passage carefully. Then answer the questions or complete the statements in the fewest possible words.

There’s worrying news for any parent who’s struggled with a headstrong young child. Some scientists recently claim that children who have low levels of self-control, which is the earliest demands that society places on children, at the age of three are more likely to have health and money problems and a criminal record by the age of 32, regardless of background and IQ. That is to say, willpower as a child really does influence your chances of a healthy and wealthy adulthood.

They found that children with low self-control were more likely to have health problems in later life including high blood pressure, being overweight, breathing problems and sexually transmitted infections. They were also more addicted to substances such as tobacco, alcohol and drugs, more likely to be single parents, have difficulty managing money and have criminal records.

Researchers from Britain, the US and New Zealand analyzed data from two large studies in which children completed a range of physical tests and interviews to assess genetic and environmental factors that can shape their lives.

The participants’ self-control was assessed by teachers, parents, observers and the children themselves and included things like having low frustration tolerance, lacking persistence in reaching goals, being over-active and acting before thinking.

Researchers then found that when the participants reached their early 30s, this impulsivity and relative inability to think about the long-term gave them more problems with finances, including savings, owning a home and credit card debt.

The findings were published in the Proceedings of the National Academy of Sciences journal.

 

(Note: Answer the questions or complete the statements in NO MORE THAN TWELVE WORDS.)

 

1. What are the findings of a recent research according to the passage?

____________________________________________________

2. The phrase “more addicted to” (Line 3, Para. 2) probably means “_____________________”.

3. Besides poor anti-frustration ability, over-activeness and fore-acting, children with low self-control may also suffer __________________________.

4. What may primarily cause the financial problems of the children with low self-control in their later years?

____________________________________________________

 

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