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Winners Club

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 key­card 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 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 part­time job!

● Mega magazine included

Along with your regular report, you will 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 key­card)but it is easy. We can’t wait to hear from you. It’s the best way to choose to be a winner!

1.The Winners Club is a bank account intended for________.

A. parents        B. teenagers       C. winners          D. adults

2.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.

3.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

4.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

5.What is the purpose of this text?

A.To set up a club.

B.To provide part­time jobs.

C.To organize key­cards.

D.To introduce a new banking service.

 

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We often hear the phrase:“You’ve a greater chance of being struck by lightning.” It is used to describe something that hasn’t got much chance of happening. However, the common saying undermines(掩盖) the very real dangers of lightning. Last Friday, at least 5 people were killed by lightning in Nepal. Lightning strikes are the second most common cause of deaths during natural disasters in the US. The first is floods. Around 400 people nationwide are struck by lightning each year, and of those73 people die. That means more people are killed by lightning than by tornadoes and hurricanes. Because lightning kills only one or two people at a time, its danger does not receive as much attention as other disasters.

So to raise awareness, the US has made June 22 to 28 National Lightning Safety Week. It aims to warn the public of the dangers of lightning and provide safety tips during thunderstorms. “If you hear thunder , you are in danger from lightning,” said Rocky Lopes, a disaster educator at the American Red Cross.“Thunder means that lightning is close enough to hit you at any minute, so you should move indoors immediately and stay there until after the storm has ended. The single most important thing to remember is to seek hiding place,”Lopes said.

Summer is the high time for lightning storms, so when lightning strikes across the sky, remember these safety tips:

Stop working, fishing, swimming or playing in open fields.

If you can count less than ten seconds between a thunder and a lightning flash, take cover inside the nearest building.

Do not stand under a tree.

Get off bicycles or motorcycles.

Crouch down(蹲下)if there is no hiding place.

Avoid open spaces, wire fences, metal objects and electrical objects such as hair driers.

 

1.The popular opinion about being struck by lightening is that    .

A. there is a greater chance for being killed by lightening than any other natural disaster

B. it is the most dangerous among all the natural disasters

C. the chance for a person to be struck by lightening is very small

D. it is impossible for people to be killed by lightening

2. The average death rate of being struck by lightening in US is about   .

A.18%       B.50%     C.30%    D.73%

3. Among all the safety tips, the most important one is that when you hear thunder in the open air,    .

A. just stand by your bicycles and motorcycles

B. quickly find a place to go inside

C. count ten seconds between a thunder and a lightening

D. don’t have a hair drier in your hand

4. According to the passage, which of the following is TRUE?

A. There are more people killed by tornadoes and hurricanes than by lightening in US each year.

B. There are on average 5 persons killed by lightening in Nepal each day.

C. The death rate of being stuck by lightening is much higher than by other natural disasters.

D. The National Lightening Safety Week is made to warn the public against lightening.

 

 

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Friendship is one of the basic bonds (纽带) between human beings. While the characteristics of friendship might vary from one country to another, people from all cultures not only enjoy friends but need them.

  Many studies have shown that teenagers who have no friends often suffer from psychological disorders. It has been shown that teenagers, perhaps more than any other age group, need companionship and a sense of belonging. The negative consequences of loneliness have also been observed among the elderly. The death of a spouse often leaves a widow or a widower totally bereft (失去). If, however, they are surrounded by friends and relatives and if they are able to articulate(清楚表达) their feelings, they are more likely to recover from their grief.

  “No man is an island.” In other words, we are all parts of society. We all need the love, admiration, respect and moral support of other people. If we are fortunate, our friends will provide us with all of these necessary aspects of life.

  As most people observe, there are many levels of friendship. The degree or intensity of friendship varies depending on the personality of the individuals involved and the context of the relationships. Extroverts (性格外向者) enjoy being surrounded by many people whereas introverts(性格内向者)are perhaps content with fewer but more intense friendships.

  Everyone is not equally open with all their friends. The degree of intimacy (密切) is determined by many factors. Close friends can be formed at any stage in one’s life but they are usually very rare. Not very many people have more than a few really close friends. Irrespective of the level of intimacy, all friendships are based on reciprocity(相互性), honesty and a certain amount of love and affection.

53. The second paragraph implies that _____..

  A. teenagers without friends will suffer from psychological problems

  B. a widow or a widower will die very soon without companionship

  C. human beings need companionship and a sense of belonging

  D. both A and B

54. The degree of intimacy of friendship mainly depends on _____ .

  A. age           B. belonging     C. personality        D. culture

55. The author thinks that close friends _____ .

  A. can be easily formed when one is young      B. cannot be long-lasting

  C. are not rare for everyone                 D. are rare for most people

56. The word “irrespective”(Last sentence, Para. 5) means _____ .

  A. not respecting    B. dishonoring     C. regardless   D. considering

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We often hear the phrase: "You've a greater chance of being struck by lightning." It is used to describe something that hasn't got much chance of happening. However, the common saying undermines(掩盖) the very real dangers of lightning.

Last Friday, at least 5 people were killed by lightning in Nepal(尼泊尔).

Lightning strikes are the second most common cause of deaths during natural disasters in the US. The first is floods. Around 400 people nationwide are struck by lightning each year, and of those, 73 people die. There are more people killed by lightning than by tornadoes and hurricanes.

Because lightning kills only one or two people at a time, its danger does not receive as much attention as other disasters.

So to raise awareness, the US has made June 22-28 National Lightning Safety Week. It aims to warn the public of the dangers of lightning and provide safety tips during thunderstorms.

"If you hear thunder, you are in danger of lightning," said Rocky Lopes, a disaster educator at the American Red Cross.

"Thunder means that lightning is close enough to hit you at any minute, so you should move indoors immediately and stay there until after the storm has ended. The single most important thing to remember is to seek a hiding place," Lopes said.

Summer is the high time for lightning storms, so when lightning strikes across the sky, remember these safety tips:

Stop working, fishing, swimming or playing in open fields.

If you can count less than ten seconds between a thunder and a lightning flash, take cover inside the nearest building.

Do not stand under a tree.

Get off bicycles or motorcycles.

Crouch down(蹲下)if there is no hiding place.

Avoid open spaces, wire fences, metal objects and electrical objects such as hair driers.

   The popular opinion about being struck by lightening is that ______.

A. there’s a greater chance for being killed by lightening than any other natural disaster

B. it is the most dangerous among all the natural disasters

  C. the chance for a person to be struck by lightening is very small

  D. it is impossible for people to be killed by lightening

The average death rate of being struck by lightening in US is about _______.

  A.18%     B.50%         C. 30%      D. 73%

thunder in             the open air______.

A. just stand by your bicycles and motorcycles

  B. quickly find a place to go inside

  C. count ten seconds between a thunder and a lightening

  D. don’t have a hair drier in your hand

According to the passage, which of the following is TRUE?

A. There are more people killed by tornadoes and hurricanes than by lightening in US each year.

B. There are on average 5 persons killed by lightening in Nepal each day.

C. The death rate of being stuck by lightening is much higher than by other natural disasters.

D. The National Lightening Safety Week is made to warn the public against the lightening.

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EAT YOUR VEGETABLES. Wash your hands. Always say "please" and "thank you ".We are full of advice for our children, but when it comes to money, we often have little to say. As a result, our children may grow up with clean hands and good manners, but without any idea how to manage their money.Here are some basics that will help guide them their entire lives:

Show them the future. If your 13-year-old girl were to save $1.000,invest(投资)it at 8% and add $100 every month, by the time she's 65,she would have $980,983!zxxk

Be careful of credit(信用).Credit cards can help you buy necessary things and build a credit history, but they must be used responsibly, which means paying off your debt in time. Explain to your children that when you buy something using a credit card, you can easily end up paying two or three times what you would have paid if you used cash.

Teach patience. Suppose your child wants a new bicycle that costs $150.Rather than paying the cash, give him some regular pocket money and explain that by putting aside,say,$15 each week, he will be able to buy it for himself in only ten weeks.

Provide incentive. Tell your children the importance of saving. "For every dollar he or she agrees to save and invest rather than spend, you agree to add another dollar to the pot, "says Cathy Pareto, expert in money planning.

Explain your values. Values and money are deeply intertwined(缠结在一起), says  Eilleen  Gallo, co-author of The Financially Intelligent Parent. When your child demands that you buy something, explain why you really don't want to buy it. "You might say, 'I'd rather save that money for your education,'" advises Gallo. Every time you spend or don't spend money, you have a chance to share your values.

1.The writer gives some basics to help ____ in a proper way.

A.parents teach their children how to deal with money

B.children follow their parents 'instructions

C.children manage their money

D.parents save their money

2.The underlined word "incentive" in paragraph 6 means ____.

A.honor            B.praise            C.excitement        D.encouragement

3.What leads the writer to write this article?

A. Parents want to know how to educate their children.

B. He wants to share his good ideas about money matters.

C .He thinks money management the most important for children.

D. Parents care  little  about their children's management of money.

 

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