7．How can negative people have effect on us?

　　 A．By influencing our emotion．

　　 B．By telling US the nature of life．

　　 C．By changing our way of thinking．

　　 D．By comparing their attitude to life with ours．

6．The purpose of the first paragraph is to　　　　　 ．

　　 A．make a comparison　　 　　　　　　　　　　　　　　　 B．offer an evidence

　　 C．introduce a topic 　　 D．describe a daily scene

4.　　　 Translate the underlined sentence in the passage into Chinese.

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3.　　　 Fill in the blank with proper words or phrases to complete the sentence. (Please answer with no more than 10 words.)

___________________________________________________________________

2.　　　 List three ways offered by the universities for students’ management of personal budget. (Please answer with no more than 20 words.)

(1) _________________ (2) _________________ (3) _________________

1.　　　 What does a student budget usually cover, according to Senem Bakar? (Please answer with no more than 10 words.)

___________________________________________________________________

4] Also, many banks offer special services for students, like free checking accounts, including a debit card. Debit cards can be used almost anywhere credit cards are accepted. Millions of Americans now use a debit card or credit card, instead of paper money or checks, to make most of their purchases. With a credit card, you are borrowing money every time you use it. ______________. They are linked directly to a checking account so you are paying with your own money. Debit cards, also known as check cards, do not have interest charges. But users are charged if they try to spend more than the amount available in their account. These fees can be costly even if you overspend by just a few cents.

3] Indiana and many other schools also offer advice on ways to manage spending and save money. For example, for entertainment, look for free concerts or museums. Want to go to a movie? Prices are usually lower in the daytime than at night. American University advises students to check newspaper advertisements for sales and to use money-saving coupons. If a product is "on sale," that means it is being offered for a limited time at a reduced price. Senem Bakar says students learn that in the United States you can find almost everything on sale somewhere.

2] Senem Bakar is the assistant director of International Student Services at American University in Washington, D.C. She suggests that students budget at least 1300 dollars for a nine-month school year, paying for things like transportation, telephone bills, supplies and entertainment. Paul Butler is the financial manager in the Office of International Services at Indiana University Bloomington. He says the advice there is to have at least 2400 dollars for twelve months in the United States.