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 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，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 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】The Winners Club is a bank account intended for__________．

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?

??? 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!

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 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!

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.

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

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 lot of money??????????????????? D. be in your twenties

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.

From hitting the mall with your girl friends on a Saturday afternoon, to holiday spending on gifts that go under the tree, shopping could be called one of America’s favorite pastimes. For most people, it means some new clothes for work or a small trinket for a friend. For others, however, shopping is much more than an enjoyable pastime, and in some cases, it is a real and destructive addiction that can turn into a financial disaster. Compulsive shopping and spending are defined as inappropriate, excessive过度的, and out of control. Like other addictions, it basically has something to do with impulsiveness and lack of control over one’s impulses冲动. In America, shopping is embedded in our culture; so often, the impulsiveness comes out as excessive shopping. Sometimes this is referred to as “shopholism”. Shopping addiction can damage a person’s life, family, and finances. “No one knows what causes addictive behaviors, like shopping, alcoholism, drug abuse, and gambling”, says a professor of applied health science. Some of the new evidence suggests that some people, maybe 10%-15%, may have a genetic predisposition to an addictive behavior, coupled with an environment in which the particular behavior is triggered引发, but no one really knows why.” Individuals will get some kind of high from an addictive behavior like shopping.

What are the telltale signs that shopping has crossed the line and become and addiction? What should a concerned family member or friend look out for when they think shopping has become a problem? The behaviors can signal a serious problem:

·Shopping or spending money as a result of feeling angry, depressed, anxious, or lonely

·Having arguments with others about one’s shopping habits

·Feeling lost without credit cards — actually going into withdrawal without them

·Buying items on credit, rather than with cash

·Describing a rush or a feeling of euphoria with spending

·Feeling guilty, ashamed, or embarrassed after a spending spree(大买特买)

·Thinking obsessively about money

·Spending a lot time juggling accounts or bills to accommodate spending

“If someone identifies four or more of any of these behaviors, there may be a problem”, experts say. Treating a shopping addiction requires a multifaceted approach. There are no standard treatments for shopping addiction. Medications have been used, but with mixed results. Therapists also focus on cognitive-behavioral treatment programs. There is no quick and easy answer that will immediately cure a shopping addiction, and while treatment is a necessary part of solving the problem, so is behavior change on the part of the addict.

Some basic changes in behavior that will have a big impact on breaking a shopping addiction are recommended:

·Admit that you are a compulsive spender, which is half the battle.

·Get rid of checkbooks and credit cards, which fuel the problem.

·Don’t shop by yourself because most compulsive shoppers shop alone and if you are with someone you are much less likely to append more.

·Find other meaningful ways to spend time.

And keep in mind that while behavior change is clearly important to recovery, so is reaching out for professional help.(509)

The best title of this article is _________

A. Should We Shop or Not?                  B. Shopping Behaviors, Good or Bad?

C. Shopping Spree, or an Addiction?           D. The Dangers of Shopholism.

You should be carefully think about your shopping behavior if you ________.

A. are angry to go shopping            

B. lost your credit card while shopping

C. are overjoyed and overwhelmingly excited to go shopping.

D. count your money while shopping

Which of the following statement is not true? ________.

A. Medication will not help to cure a shopping addiction

B. No one really knows why people get addicted to doing something which is no good to them

C. By the word shopholism, we refers to the impulsive and excessive shopping behavior

D. Shopping addiction can turn into a real disaster in one’s life

The most important way to get rid of the addiction is ________.

A. use credit card instead of checkbooks

B. change one’s behavior as well as seek professional advice

C. find somebody else to shop for you   

D. go to a doctor for a standard treatment

Here's a scene：a village where the sun always shines，crops always grow and your friends drop by to sweep your yard to the sound of guitar music．Animals do what they are told，there is no disease，and lendin’ folks a helpin’hand makes you richer and wiser．Welcome to FarmVille—

Current population 69m and rising fast．

 “It reminds me of my childhood，”says one player, Lia Curran，37，a nurse from London．“Right now I'm growing wheat and flowers. I've got a small garden, and I'm raising some chickens and some cows. I like having the animals. It's relaxing.” Curran's animals, however, is nothing more than a collection of cartoons. FarmVille is an online computer game built into the social networking site Facebook and is described by its players as “addictive”. Launched last June by Zynga Game Network, FarmVille now has many players—more than the population of the UK. The players are largely women over the age of 35.

FarmVille unites the worlds of social networking and gaming．Players are given a ground with six fields，“cash”，a few seeds and a plough and have to build up wealth，skills and neighbors to create bigger，better，richer farms．Inviting your online friends to play means you earn more and get flee gifts；you rise rapidly through the first levels but，once hooked，have to work harder and harder with no final level or goal in sight．

“Games like this draw people into a fantasy world that's separate from real life where there are no issues，and where things are simple and controllable，” Brian Dudley says．In November，he opened the UK's first computer games addiction clinic，treating online gamers who stayed at the keyboard for up to eight hours a day—“the tip of the iceberg”，he says．Two weeks ago，a group of US players launched a class action against Zynga and Facebook．“Most，if not all，of the online advertisements presented through Zynga are scams(骗局)，”the lawsuit states．“The advertisements are highly misleading and often result in users ordering goods or services that they do not want or need．”

According to Nick O'neill from the social media site All Facebook，Zynga is making $500，000(￡304，000)a day，from its Facebook games，in turn spending some $50m(￡30m)a year on Facebook ads．

If all that weren't enough，FarmVille doesn't even function like a proper farm：in FarmVille，wheat grows in two days—in real life，it takes months．But play continues nevertheless．

68．If you want to create a better and richer farm，you should do the following EXCEPT that   ____．

A．you have to work harder and harder

B．you should pay real—world money to advance in the game

C．you should invite your online friends and neighbors to play

D．you should develop your skills and befriend FarmVille neighbors

69．Which of the following statements is TRUE?

A．Most young girls are fascinated by the farming game．

B．Money Zynga has made is mostly spent on advertising campaign．

C．There is potential threat to the players and some players are misled by the advertisements．

D．The UK's first computer games addiction clinic was opened to help treat online players．

70．The purpose of the class action against Zynga and Facebook was to_____．

A．show that Zynga has an extremely tight relationship with Facebook

B．try to stop Zynga and Facebook from putting advertisements

C．attract more people to FarmVille game to plant crops

D．appeal to the public to order more goods or services