摘要:4. debt A. lamb B. bear C. bay D. ball

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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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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.
【小题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
【小题2】The underlined word "incentive" in paragraph 6 means ____.
A.honorB.praiseC.excitementD.encouragement
【小题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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21.I don't know how long they ________, but I know that they have lived happily since they ________.

A.have been married; got married

B.married; married

C.got married; got married

D.have been married; have married

22.In the past they had a hard life and never dreamt ________ in such comfortable buildings.

A.to live   B.living    C.of living  D.up living

23.________ very musical, he spent a lot of time practicing playing the piano.

A.When B.Because of    

C.Since   D.Being

24.He never went out in daylight, ________ that the police would recognize him.

A.fearing     B.feared      

C.and fearing    D.to fear

25.European football is played in 80 countries, ________ it the most popular sport in the world.

A.makes  B.made      C.to make   D.making

26.Not finishing their homework in time, some students try to avoid ________ by copying answers.

A.being punished B.punishing

C.to punish         D.punished

27.It was not until she had arrived at the office ________ she remembered ________ the papers at home.

A.that; to leave B.when; to leave

C.that; leaving  D.when; leaving

28.In no country other than Britain, it has been said, ________ experience four seasons in the course of a single day.

A.you can     B.people can   

C.can one  D.can it

29.He was in deep sorrow because he ________ with his girlfriend yesterday.

A.broke out B.broke away C.broke into D.broke up

30.They managed to ________ the quarrel out of court.

A.release B.separate C.settle D.shorten

31.He lost control and shouted at the boss, ________ of course, made things even worse.

A.what     B.which      C.as    D.who

32.He is difficult to make friends with, but the friendship of his, ________, is stronger than any other's.

A.once to gain    B.once gaining  

C.once gained    D.while gaining

33.I made her ________ through my friend's introduction.

A.adaptation B.affection

C.assitance D.acquaintance

34.All these changes will lead to ________ stronger and more powerful China, ________ country that can surprise and enrich our planet.

A.a; a     B.a; the     C.the; a D.the; the

35.She received an e?mail ________ “I'm heavily in debt. Help me out, please!”

A.read     B.reading     C.to write   D.writing

 

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阅读理解

  Buy now, pay later.Credit cards give people that choice.Those billions of small pieces of plastic in use all over the world make it easy to buy things.But people who use credit cards irresponsibly can soon find themselves heavily in debt.

  Cardholders may not think about it, but they borrow money from a bank or other lender each time they charge something.They avoid interest charges if they pay their bill in full each month.But if they only make the minimum payment, the lowest required, it may take years to pay off a debt.Interest is continually charged on the unpaid balance.

  A credit card may have a number of costs.First, there is the interest charge on purchases, known as the annual percentage rate, or A.P.R.In the United States right now, the average is between thirteen and fourteen to keep them.

  Cardholders may have to pay cash advance fees if they withdraw money from a credit card.There are also fees if they go over their credit limit, or if a payment is late.Lenders may also raise interest rates as punishment.

  In the United States, credit card fees have become a political issue.Congress has threatened to take action against what critics call abusive behavior by lenders.

  Yet getting a credit card has become a lot easier for most people.Maybe too easy:People receive offers in the mail of pre-approved cards that they never asked for.Many cards offer low rates at first, especially if people agree to move their balance from another card, absolutely for free.

  About half of all Americans have at least two credit cards.And the credit rating agency Experian says fourteen percent of the population has more than ten.

  Jeanne Hogarth at the Federal Reserve, the central bank, says the average family has four credit cards.But families that carry a balance, meaning they do not pay off their statements each month, have an average of five.

  In nineteen eighty-eight Americans had three hundred thirty billion dollars in credit card debt.Last year it was eight hundred forty billion.

  In the latest government study, the average credit card debt for all households was more than three thousand dollars.But for those that carried a balance, the average was five thousand three hundred.

(1)

Credit cardholders can avoid interest charges by ________.

[  ]

A.

depositing(存)more money into the bank

B.

paying cash advance fees

C.

paying their bill in full each month

D.

making the minimum payment

(2)

Which of the following is NOT included in the costs of a credit card?

[  ]

A.

A.P.R

B.

Going over the card limit.

C.

Late payment.

D.

Moving balance from another bank.

(3)

We can infer from the text ________ may take action against abusive behavior by lenders.

[  ]

A.

the Federal Reserve

B.

cardholders

C.

congress

D.

the credit rating agency Experian

(4)

Which would be the best title for this passage?

[  ]

A.

Credit Cards Are Easy to Get, But Harder to Pay Off

B.

What Are Credit Cards

C.

How to Apply for Credit Cards

D.

Say No to Credit Cards

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阅读理解,阅读下列短文,从每题所给的四个选项(A、B、C和D)中,选出最佳选项。

  Easter Sunday celebrations

  Easter Sunday brunch

  Fun Easter festivities are planned for Sunday at Kempinski Hotel Shenzhen.For children, Easter means hunting for Easter eggs or for treats hidden by the Easter Bunny.Celebrate an unforgettable Easter Sunday at Seasons Restaurant at Kempinski Hotel Shenzhen with your family.

  The Kempinski Easter Sunday brunch features splendid Easter dishes from all over the world, including tender and juicy Bavarian roast lamb; imported steak; fresh lobster; homemade, delicious Easter ham; and all kinds of lovely Easter chocolates and desserts.

  Enjoy an exquisite lunch while watching your child have fun at the children's corner or joining the Great Egg Hunt with the 5-year-old Easter Bunny!

  Hours:11 a.m.-3 p.m., April 8

  Price:338 yuan, plus a 15 percent service charge; half price for children shorter than 120cm

  Add:Kempinski Hotel Shenzhen, Haide Road 3, Houhaibin Road, Nanshan District

  Tel:8888-8888

  Easter indulgence

  Colored marzipan, chocolate bunnies and egg painting are the flavors of Easter Sunday at The Westin Shenzhen Nanshan.The hotel's pastry chef will present Easter chocolate shaped like the famous Angry Bird game character.Made with 100 percent natural vanilla, dark and white coverture chocolate and powdered food colors, this creation takes two days to complete.All ingredients(原料)are handmade.

  The hotel is offering Easter weekend packages for a delightful stay.A Friday-Saturday stay starts at 1, 496 yuan and includes complimentary breakfast for two and a 45-minute body massage for one.Or check in Saturday and enjoy complimentary Sunday brunch for two people.That package costs 1, 199 yuan.

  Add:9028-2, Shennan Boulevard, Nanshan District

  Tel:2698-8888

  Metro:Window of the world Exit A

  Special spa offers

  To welcome Easter, Futian Shangri-La Shenzhen has created two family spa special offers:the Body Treatment Package and the Skin Care Package.They’re available from April to June 30.

  The Body Treatment Package includes a 60-minute Biodroga Milk-honey Firming Body Wrap and a 60-minute Deluxe Aromatherapy, while the Skin Care Package contains a 90-minute Golden Caviar “Precious” Treatment and a 30-minute Targeted Back Massage.Guests can enjoy these value-added packages with a parent and experience the intimate care of Shangri-La.

  The Body Treatment Package is offered at 1, 980 yuan(from an original price of 3, 450 yuan)and the Skin Care Package is offered at 2, 180 yuan(from an original price of 3, 680 yuan).Both packages include welcome herbal tea for two.Prices are subject to a 15-percent service charge and advance reservation is required.

  Add:4088 Yitian Road, Futian District

  Tel:8828-4088

  Metro:Convention and Exhibition Center Station(会展中心站), Exit C

  Easter weekend

  Looking for a unique Easter weekend? Follow the Easter Bunny to The Exchange Restaurant at Sheraton Shenzhen Futian Hotel, where you can find all your favorite Easter delicacies and fun.Children can enjoy a special game area and try Egg Painting with our chefs to create their own, unique Easter egg.All the above costs 328 yuan per person, plus a 15 percent service charge.

  Venue:1/F, Sheraton Shenzhen Futian Hotel

  Tel:8383-8888 ext.6208

(1)

Whose service best satisfies the couple who plan to spend the Easter weekend out to celebrate their 10th wedding anniversary?

[  ]

A.

Kelmpinski Hotel Shenzhen

B.

The Westin Shenzhen Nanshan

C.

Futian Shangri-La Shenzhen

D.

Sheraton Shenzhen Futian Hotel

(2)

Catherine and her mother enjoyed a Body Treatment Package on May Day.How much would she have saved if she had enjoyed the same service on Women's Day?

[  ]

A.

2, 800 yuan

B.

2.940 yuan

C.

1, 470 yuan

D.

1, 500 yuan

(3)

Your child not only wishes to enjoy delicious food but also contribute to the production process.You may call ________.

[  ]

A.

8888-8888

B.

8828-4088

C.

2698-8888

D.

8383-8888

(4)

From which part of the newspaper is the passage likely to be taken?

[  ]

A.

Entertainment

B.

Hotels

C.

Culture

D.

Business & Market

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