Text 4"I like money and nice things,but it's not money that makes me happy.It's people,"says one woman in a World Bank survey.She's not alone:research has found that social integration is more important for well-being than income,and also decreases poverty.Loneliness,conversely,can be deadly:one study found it did more damage to health than smoking.This week,policymakers from 40 countries met in Colombia to ponder ways to measure deprivation that take account of more than just income,including isolation.Several Latin American countries are devising or have already adopted such"multi-dimensional"measures of poverty.Income can be a misleading measure of need because poor people end up living in different degrees of hardship depending on their intangible resources.Having strong social bonds eases financial deprivation.Friends and relatives can lend money,pool risk,mind children and bring news ofjob openings.Researchers from the London School of Economics found that when a group of Bangladeshi women were given business training and free livestock,not only djd they move up the income ladder,but their friends'lot improved too.A year later the friends'consumption had risen by almost 20%,and they claimed to have become sawier about business as well.The downside is that not having the right friends can deepen hardship.The more concentrated the poverty,the less helpful social networks tend to be.In Atlanta,living in a poor neighbourhood decreases the chance of having a friend with a job by almost 60%,and of having a friend who had been to university by over a third.A global survey conducted in 2014 by a polling firm,found that 30%of people in the poorest flfth of their country's population had nobody to rely on in times of need,compared t0 16%of the richest fifih.It is doubly unfortunate,then,that poor people are often socially excluded precisely because they are poor.Chileans and Venezuelans see poverty as a bigger cause of discrimination than gender or ethnicity,according to researchers from Oxford University.Several countries have experienced with schemes that connect lonely old people and deprived youth.Germany,for instance,has built"multi-generational"community centres where older visitors get computer coaching from teenagers.With luck,these connections will help:one American study found that in poor neighbourhoods,three-quarters ofjobholders found work through friends.Perhaps Gennany's centres will furnish income as well as company.37.London School of Economics holds the view thatA.more jobs should be introduced to poor people.B.women can raise their social status by giving livestock.C.poor people are involved into complex social relationships.D.business training are necessary for low-income people.

—I think we can use two or more kinds of media together in an advertising campaign. —() A.It’s true. Two is always better than one.B.That’s quite right. We can attract more people.C.It’s great idea. We need to put in more money then.

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听力原文：The bank has special obligation to depositors, because it makes profits from their money as well as its own.(4)A．The bank makes profits only from its own money.B．The bank makes profits from not only the deposits but also its own money.C．The bank has special obligation to make profits.D．The bank makes profits by having special obligations to depositors.

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You asked me to tell you about culture shock for an Iranian in Britain.There is culture shock in a sense.One of the things was that when you talk to people in Iran, you can comfortably ask how much people earn and which religion they are.I found this very difficult with English people.They don' t tell you, they look away or they somehow get around the question.I didn' t understand why.I mean, I still don' t understand why people are uncomfortable answering that sort of question.In Iran, it's no problem, there' s no problem in asking anybody It’ s not rude at all.I had that confirmed to me when in one of my English classes my teacher told me not to talk to English people about three things politics, religion and money.(判断正误)26.People in Iran are not happy to talk about their salary or their religion.()27.People in England try to avoid personal questions.()28.In Iran, it's rude to ask questions about salary and religion()29.The writer was advised to avoid talking to English people about politics, religion and money.()30.The main idea of the passage is culture shock.()

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I don’t want to lend any more money to him; he’s already in debt ________ me.[A] to[B] for[C] of[D] with

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共用题干第二篇Sometimes love really can be measured in pounds and pence.It's an annual argument.Do we or do we not go on holiday?My partner says no because the boiler could go bad,or the roof fall off,and we have no savings to save us.I say that you only live once and we work hard and what's the point if you can't go on holiday.The joy of a recession means no argument next year一we just won't go.Since money is reputed to be one of the things most likely to bring a relationship to its knees, we should be grateful.For many families the recession means more than not booking a holiday. A YouGov poll of 2,000 people in May this year found 22%said they were arguing more with their partners because of concerns about money.What's less clear is whether divorce and separation rates rise in a recession一financial pressures mean couples argue more but make splitting up less affordable.A recent report from ICOR(the online Information Centre on Relationships)cited research showing arguments about money were especially damaging to couple一even more so to their children.Disputes were characterised by intense verbal aggression,tended to be repeated and not re-solved,and made men,more than women,extremely angry.So why are arguments about money so emotive?Since they seem to be so even without a recession,they have to be about more than literally pounds and pence.Kim Stephenson,an occupational psychologist,believes money is such a big deal because of what it symbolises,which may be different things to men and women."People can say the same things about money but have different conceptions of what it is for,"he explains."They will say it's to save,to spend,for security,for freedom,to show someone you love them,to keep score."He says men are more likely to see money as a way of buying status,of trying to best the man down the road who's just bought a flash car,and of showing their parents that they've achieved something. He warns that,while couples need enough money not to struggle and be unhappy,an extra ￡5,000 above that amount won't make them any happier."The biggest problem is that couples assume each other knows what is going on with their finances,but they don't. There seems to be more of a taboo about talking about money than talking about death.But you both need to know what you are doing,who is paying what into the joint account and how much you keep separately.In a healthy relationship,you don't have to agree about money, but you have to talk about it."Research from a wholesome organization in the U.S. called the National Healthy Marriage Resource Center says that establishing a"fair and equitable pattern of handling money early in marriage appears to be important for the quality and stability of the marriage".Admitting your incomes to each other and making budgets for your household expenses may not seem romantic but it is,in fact, the real language of love.What does the author mean by saying "money is known···to bring a relationship to its knees"?A:Money is considered to be the root of all evils.B:Some people sacrifice their dignity for money.C:Few people can resist the temptation of money.D:Disputes over money may ruin a relationship.

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共用题干The Joy of Living AloneMore and more Americans are living alone .Some live alone because of divorce or the death of a partner.________(1) According to a recent U. S. census（人口普查）,25 percent of all households in the U.S.are made up of just one person.This is a dramatic change from the extended families of just a couple of generations ago.The typical person living alone is neither old nor lonely._______(2)The majority of these people have chosen to live alone.They are responding to decreasing social pressure to get married and have a family.It's now socially acceptable,even fashionable,to live alone.As people get better jobs and become financially independent,it becomes possible for them to maintain a one-person household.________(3)However,people who do get married are marrying at a later age and divorcing more often.The number one reason given by most people for living alone is that they simply enjoy doing what they want when they want to do it."Living alone is a luxury,"says Nina Hagiwara, 38."Once you do it,you can't ever go back to living with others."David C'Debaca,46,agrees.__________(4)Children think that being grown up means being able to do exactly as they please.________ (5)The chance to discover whether that freedom is as wonderful as it sounds is a chance more and more Americans are taking._________（4）A: There's more pressure to get married nowadays.B: The growing number of women with good jobs has done much to increase the number of people living alone.C: However,even more people are living alone because they have chosen to.D: It seems that many grown-ups today are realizing that childhood dream.E: In fact,a quarter of the 23 million single people in the U.S are under the age of 35.F: He says,"I like being by myself."

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共用题干The Joy of Living AloneMore and more Americans are living alone .Some live alone because of divorce or the death of a partner.________(1) According to a recent U. S. census（人口普查）,25 percent of all households in the U.S.are made up of just one person.This is a dramatic change from the extended families of just a couple of generations ago.The typical person living alone is neither old nor lonely._______(2)The majority of these people have chosen to live alone.They are responding to decreasing social pressure to get married and have a family.It's now socially acceptable,even fashionable,to live alone.As people get better jobs and become financially independent,it becomes possible for them to maintain a one-person household.________(3)However,people who do get married are marrying at a later age and divorcing more often.The number one reason given by most people for living alone is that they simply enjoy doing what they want when they want to do it."Living alone is a luxury,"says Nina Hagiwara, 38."Once you do it,you can't ever go back to living with others."David C'Debaca,46,agrees.__________(4)Children think that being grown up means being able to do exactly as they please.________ (5)The chance to discover whether that freedom is as wonderful as it sounds is a chance more and more Americans are taking._________（5）A: There's more pressure to get married nowadays.B: The growing number of women with good jobs has done much to increase the number of people living alone.C: However,even more people are living alone because they have chosen to.D: It seems that many grown-ups today are realizing that childhood dream.E: In fact,a quarter of the 23 million single people in the U.S are under the age of 35.F: He says,"I like being by myself."

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共用题干第二篇Sometimes love really can be measured in pounds and pence.It's an annual argument.Do we or do we not go on holiday?My partner says no because the boiler could go bad,or the roof fall off,and we have no savings to save us.I say that you only live once and we work hard and what's the point if you can't go on holiday.The joy of a recession means no argument next year一we just won't go.Since money is reputed to be one of the things most likely to bring a relationship to its knees, we should be grateful.For many families the recession means more than not booking a holiday. A YouGov poll of 2,000 people in May this year found 22%said they were arguing more with their partners because of concerns about money.What's less clear is whether divorce and separation rates rise in a recession一financial pressures mean couples argue more but make splitting up less affordable.A recent report from ICOR(the online Information Centre on Relationships)cited research showing arguments about money were especially damaging to couple一even more so to their children.Disputes were characterised by intense verbal aggression,tended to be repeated and not re-solved,and made men,more than women,extremely angry.So why are arguments about money so emotive?Since they seem to be so even without a recession,they have to be about more than literally pounds and pence.Kim Stephenson,an occupational psychologist,believes money is such a big deal because of what it symbolises,which may be different things to men and women."People can say the same things about money but have different conceptions of what it is for,"he explains."They will say it's to save,to spend,for security,for freedom,to show someone you love them,to keep score."He says men are more likely to see money as a way of buying status,of trying to best the man down the road who's just bought a flash car,and of showing their parents that they've achieved something. He warns that,while couples need enough money not to struggle and be unhappy,an extra ￡5,000 above that amount won't make them any happier."The biggest problem is that couples assume each other knows what is going on with their finances,but they don't. There seems to be more of a taboo about talking about money than talking about death.But you both need to know what you are doing,who is paying what into the joint account and how much you keep separately.In a healthy relationship,you don't have to agree about money, but you have to talk about it."Research from a wholesome organization in the U.S. called the National Healthy Marriage Resource Center says that establishing a"fair and equitable pattern of handling money early in marriage appears to be important for the quality and stability of the marriage".Admitting your incomes to each other and making budgets for your household expenses may not seem romantic but it is,in fact, the real language of love.What does the author say about vacationing?A:People enjoy it all the more during a recession.B:Few people can afford it without working hard.C:It makes all the hard work worthwhile.D: It is the chief cause of family disputes.

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Text 4"I like money and nice things,but it's not money that makes me happy.It's people,"says one woman in a World Bank survey.She's not alone:research has found that social integration is more important for well-being than income,and also decreases poverty.Loneliness,conversely,can be deadly:one study found it did more damage to health than smoking.This week,policymakers from 40 countries met in Colombia to ponder ways to measure deprivation that take account of more than just income,including isolation.Several Latin American countries are devising or have already adopted such"multi-dimensional"measures of poverty.Income can be a misleading measure of need because poor people end up living in different degrees of hardship depending on their intangible resources.Having strong social bonds eases financial deprivation.Friends and relatives can lend money,pool risk,mind children and bring news ofjob openings.Researchers from the London School of Economics found that when a group of Bangladeshi women were given business training and free livestock,not only djd they move up the income ladder,but their friends'lot improved too.A year later the friends'consumption had risen by almost 20%,and they claimed to have become sawier about business as well.The downside is that not having the right friends can deepen hardship.The more concentrated the poverty,the less helpful social networks tend to be.In Atlanta,living in a poor neighbourhood decreases the chance of having a friend with a job by almost 60%,and of having a friend who had been to university by over a third.A global survey conducted in 2014 by a polling firm,found that 30%of people in the poorest flfth of their country's population had nobody to rely on in times of need,compared t0 16%of the richest fifih.It is doubly unfortunate,then,that poor people are often socially excluded precisely because they are poor.Chileans and Venezuelans see poverty as a bigger cause of discrimination than gender or ethnicity,according to researchers from Oxford University.Several countries have experienced with schemes that connect lonely old people and deprived youth.Germany,for instance,has built"multi-generational"community centres where older visitors get computer coaching from teenagers.With luck,these connections will help:one American study found that in poor neighbourhoods,three-quarters ofjobholders found work through friends.Perhaps Gennany's centres will furnish income as well as company.39.German"multi-generational"community aims toA.reconnect old people and young men.B.help poor people find jobs after training.C.offer company to lonely old people.D.provide job opportunities to poor people.

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Text 4"I like money and nice things,but it's not money that makes me happy.It's people,"says one woman in a World Bank survey.She's not alone:research has found that social integration is more important for well-being than income,and also decreases poverty.Loneliness,conversely,can be deadly:one study found it did more damage to health than smoking.This week,policymakers from 40 countries met in Colombia to ponder ways to measure deprivation that take account of more than just income,including isolation.Several Latin American countries are devising or have already adopted such"multi-dimensional"measures of poverty.Income can be a misleading measure of need because poor people end up living in different degrees of hardship depending on their intangible resources.Having strong social bonds eases financial deprivation.Friends and relatives can lend money,pool risk,mind children and bring news ofjob openings.Researchers from the London School of Economics found that when a group of Bangladeshi women were given business training and free livestock,not only djd they move up the income ladder,but their friends'lot improved too.A year later the friends'consumption had risen by almost 20%,and they claimed to have become sawier about business as well.The downside is that not having the right friends can deepen hardship.The more concentrated the poverty,the less helpful social networks tend to be.In Atlanta,living in a poor neighbourhood decreases the chance of having a friend with a job by almost 60%,and of having a friend who had been to university by over a third.A global survey conducted in 2014 by a polling firm,found that 30%of people in the poorest flfth of their country's population had nobody to rely on in times of need,compared t0 16%of the richest fifih.It is doubly unfortunate,then,that poor people are often socially excluded precisely because they are poor.Chileans and Venezuelans see poverty as a bigger cause of discrimination than gender or ethnicity,according to researchers from Oxford University.Several countries have experienced with schemes that connect lonely old people and deprived youth.Germany,for instance,has built"multi-generational"community centres where older visitors get computer coaching from teenagers.With luck,these connections will help:one American study found that in poor neighbourhoods,three-quarters ofjobholders found work through friends.Perhaps Gennany's centres will furnish income as well as company.36.The result by World Bank has revealed thatA.women are not lonely with friends.B.Latin Americans are isolated with others.C.isolation is also the cause of deprivation.D.poverty is decided by cultural integration.

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Text 4"I like money and nice things,but it's not money that makes me happy.It's people,"says one woman in a World Bank survey.She's not alone:research has found that social integration is more important for well-being than income,and also decreases poverty.Loneliness,conversely,can be deadly:one study found it did more damage to health than smoking.This week,policymakers from 40 countries met in Colombia to ponder ways to measure deprivation that take account of more than just income,including isolation.Several Latin American countries are devising or have already adopted such"multi-dimensional"measures of poverty.Income can be a misleading measure of need because poor people end up living in different degrees of hardship depending on their intangible resources.Having strong social bonds eases financial deprivation.Friends and relatives can lend money,pool risk,mind children and bring news ofjob openings.Researchers from the London School of Economics found that when a group of Bangladeshi women were given business training and free livestock,not only djd they move up the income ladder,but their friends'lot improved too.A year later the friends'consumption had risen by almost 20%,and they claimed to have become sawier about business as well.The downside is that not having the right friends can deepen hardship.The more concentrated the poverty,the less helpful social networks tend to be.In Atlanta,living in a poor neighbourhood decreases the chance of having a friend with a job by almost 60%,and of having a friend who had been to university by over a third.A global survey conducted in 2014 by a polling firm,found that 30%of people in the poorest flfth of their country's population had nobody to rely on in times of need,compared t0 16%of the richest fifih.It is doubly unfortunate,then,that poor people are often socially excluded precisely because they are poor.Chileans and Venezuelans see poverty as a bigger cause of discrimination than gender or ethnicity,according to researchers from Oxford University.Several countries have experienced with schemes that connect lonely old people and deprived youth.Germany,for instance,has built"multi-generational"community centres where older visitors get computer coaching from teenagers.With luck,these connections will help:one American study found that in poor neighbourhoods,three-quarters ofjobholders found work through friends.Perhaps Gennany's centres will furnish income as well as company.40.Which ofthe following would be the best title for the text?A.Poor Neighbourhood Will Lead to Poverty ofNext GenerationB.Having Strong Social Bonds Eases Financial DeprivationC.Income Will Block Social Mobility ofPoor PeopleD.Get Rid of Social Discrimination to Low-Income People

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Text 4"I like money and nice things,but it's not money that makes me happy.It's people,"says one woman in a World Bank survey.She's not alone:research has found that social integration is more important for well-being than income,and also decreases poverty.Loneliness,conversely,can be deadly:one study found it did more damage to health than smoking.This week,policymakers from 40 countries met in Colombia to ponder ways to measure deprivation that take account of more than just income,including isolation.Several Latin American countries are devising or have already adopted such"multi-dimensional"measures of poverty.Income can be a misleading measure of need because poor people end up living in different degrees of hardship depending on their intangible resources.Having strong social bonds eases financial deprivation.Friends and relatives can lend money,pool risk,mind children and bring news ofjob openings.Researchers from the London School of Economics found that when a group of Bangladeshi women were given business training and free livestock,not only djd they move up the income ladder,but their friends'lot improved too.A year later the friends'consumption had risen by almost 20%,and they claimed to have become sawier about business as well.The downside is that not having the right friends can deepen hardship.The more concentrated the poverty,the less helpful social networks tend to be.In Atlanta,living in a poor neighbourhood decreases the chance of having a friend with a job by almost 60%,and of having a friend who had been to university by over a third.A global survey conducted in 2014 by a polling firm,found that 30%of people in the poorest flfth of their country's population had nobody to rely on in times of need,compared t0 16%of the richest fifih.It is doubly unfortunate,then,that poor people are often socially excluded precisely because they are poor.Chileans and Venezuelans see poverty as a bigger cause of discrimination than gender or ethnicity,according to researchers from Oxford University.Several countries have experienced with schemes that connect lonely old people and deprived youth.Germany,for instance,has built"multi-generational"community centres where older visitors get computer coaching from teenagers.With luck,these connections will help:one American study found that in poor neighbourhoods,three-quarters ofjobholders found work through friends.Perhaps Gennany's centres will furnish income as well as company.38.The drawback of not having proper friends lies inA.discrimination from the richest fifth.B.loss ofchances to get university degrees.C.no financial support from the govemment.D.unhelpful social networks to get rid ofpoverty.

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共用题干第二篇The Privileged ChildrenLife really should be one long journey of joy for children who are born with a world of wealth at their tiny feet.But experts on psychological research now believe that silver spoons can leave a bitter taste.If suicide statistics are a sign of happiness,then the rich are a miserable lot. Figures show that it is the rich who most often do away with themselves.Dr. Robert Coles,an internationally famous doctor,is the world's top expert on the influence of money on children.He has written a well-received book on the subject,The Privileged Ones,and his research shows that too much money in the family can cause as many problems as too little."Ohviously there are certain advantages to being rich,"says the 53-year-old doctor,"such as better health,education and future work expectations.But most important is the quality of family life. Money can't buy love."It can buy a lot of other things,though,and that's where the trouble starts.Rich kjds have so much to choose from that they often become confused.Their parents' over favoring can make them spoiled.They tend to travel more than other children,from home to home and country to country, which often makes them feel restless."But privileged children do have a better sense of their positions in the world,"adds Mr Coles, "and they are more self-assured."Today's rich parents perhaps have realized that their riches can be more of a burden than a favor to their children.So their priority is to ensure that their families are as rich in love as they are in money.This article is written mainly to tell readers that_________.A:the rich are more likely to do away with themselvesB:money can bring a lot of things,including loveC:life is always happy for children of rich parentsD:rich parents should realize what important in the family is love rather than money

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共用题干Living Alone Is Joyful More and more Americans are living alone.Some live alone because of divorce or the death of a partner. _______（46) According to a recent U.S.census（人口普查）,25 percent of all households in the U.S.are made up of just one person.This is dramatic change from the extended families of just a couple of generations ago. The typical person living alone is neither old nor lonely．______(47)The majority of these people have chosen to live alone.They are responding to decreasing social pressure to get married and have a family. It's now socially acceptable,even fashionable,to live alone.As people get better jobs and become financially independent,it becomes possible for them to maintain a one-person household.______(48) However,people who do get married are marrying at a later age and divorcing more often. The number one reason given by most people for living alone is that they simply enjoy doing what they want when they want to do it."Living alone is a luxury,"says Nina Hagiwara,33."Once you do it,you can't ever go back to living with others,"David C'Debaca,46,agrees.______(49) Children think that being grown up means being able to do exactly as they please._______(50) The chance to discover whether that freedom is as wonderful as it sounds is a chance more and more Americans are taking.______(49)A:There's more pressure to get married nowadays.B:The growing number of women with good jobs has done much to increase the number of people living alone.C:However,even more people are living alone because they have chosen to.D:It seems that many grown-ups today are realizing that childhood dream.E:In fact,a quarter of the 23 million single people in the U.S.are under the age of 35.F:He says,"I like being by myself."

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共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money whichA:a bank lends to people.B:a bank loans to businesses.C:a bank pays you.D:a bank uses.

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共用题干第一篇From Ponzi to MadoffThe year was 1920.The country was the United States of America. The man's name was Charles Ponzi. Ponzi told people to stop depositing money in a savings account.Instead,they should give it to him to save for them.Ponzi promised to pay them more than the bank.For example,a savings account might pay you$5 a year for every $100 you deposit.Ponzi,however,would pay you $40 a year for every $ 100 you gave him to hold.Many people thought this was a good plan.They began to give their money to Ponzi.How could Ponzi make so much money for people?This is what he did with the money people gave him: He used some of that money to pay other people who gave him money.However,he also kept a lot of the money for himself. Soon he had $ 250 million.This was a kind of theft,and it was against the law. The people who gave him their money didn't think anything was wrong. Ponzi paid them every month,just like a bank.Ponzi continued this way of working for two years.Then one day,he didn'thave enough money to pay all the people.They discovered his crime,and he went to prison for fraud.Ninety years later,people began to hear about a businessman in New York named Bernard Madoff. People said he gave good advice about money.They said when they gave him their money,he paid them a lot more than the bank.Madoff helped hospitals,schools,and individuals earn money.Over a period of 40 years,people gave him$170 billion.However,no one investigated what he did with the money.The people who gave Madoff their money also didn't think anything was wrong because he paid them every month.One day,Madoff didn't have enough money to pay all the people he needed to pay. That's when people discovered how Madoff worked:He was taking money from some people to pay other people,just the way Charles Fonzi did.However,this time,instead of losing millions of dollars,people lost billions.Madoff was accused of fraud,and the United States government officials arrested him.He didn't have to go on trial because he said he was guilty.In 2009,a judge sentenced him to 150 years in prison.Bernard Madoff's crime was even bigger than Ponzi'5.It was the biggest fraud in history.The lesson of this story is clear:When something seems too good to be true,it probably is!What was Ponzi's crime?A:He robbed the banks of millions of dollars.B:He gave people more than the bank did.C:He kept a lot of other people's money for himself.D:He did not pay people their interests.

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共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Which way will help your money earn more money?A:Putting your money in your room.B:Putting your money in a piggy bank.C:Putting your money in your pocket.D:Putting your money in a savings account.

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共用题干第二篇Few Facts about LiesWhat exactly is a lie?Is it anything we say which we know is untrue?Or is it something more than that?For example,suppose a friend wants to borrow some money from you.You say"I wish I could help you but I'm short of money myself."In fact,you are not short of money but your friend is in the habit of not paying his debts and you don't want to hurt his feelings by reminding him of this. Is this really a lie?Professor Jereald Jellison of the University of Southern California has made a scientific study of lying. According to him,women are better liars than men,particularly when telling a"white lie," such as when a woman at a party tells another woman that she likes her dress when she really thinks it looks awful.However,this is only one side of the story. Other researchers say that men are more likely tell more serious lies,such as making a promise which they have no intention of fulfilling. This is the kind of lie politicians and businessmen are supposed to be particularly skilled at:the lie from which the liar hopes to profit or gain in some way.Research has also been done into the way people's behavior changes in a number of small,apparently unimportant ways when they lie.It has been found that if they are sitting down at the time, they tend to move about in their chairs more than usual.To the trained observer they are saying"I wish I were somewhere else now."They also tend to touch certain parts of the face more often,in particular the nose.One explanation of this may be that lying causes a slight increase in blood pressure.The tip of the nose is very sensitive to such changes and the increased pressure makes it itch （痒）.Another gesture which gives liars away is what the writer Demond Morris in his book Manwatching calls"the mouth cover".He says there are several typical forms of this,such as covering part of the mouth with the fingers,touching the upper-lip or putting a finger of the hand at one side of the mouth.Such a gesture can be interpreted as an unconscious attempt on the part of the liar to stop himself or herself from lying.Of course,such gestures as rubbing the nose or covering the mouth,or moving about in a chair cannot be taken as proof that the speaker is lying. They simply tend to occur more frequently in this situation. It is not one gesture alone that gives the liar away but a whole number of things,and,in particularly,the context in which the lie is told.One sometimes tells one's friend a"white lie"because one wants to________.A:make a profit from the other personB:avoid offending the other personC:convince the other personD:have some fun

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共用题干第二篇From Ponzi to MadoffThe year was 1920. The country was the United States of America. The man's name was Charles Ponzi. Ponzi told people to stop depositing money in a savings account.Instead,they should give it to him to save for them.Pouzi promised to pay them more than the bank.For example,a savings account might pay you $5 a year for every $100 you deposit.Ponzi,however,would pay you $40 a year for every $100 you gave him to hold.Many people thought this was a good plan.They began to give their money to Ponzi.How could Ponzi make so much money for people?This is what he did with the money people gave him: He used some of that money to pay other people who gave him money.However,he also kept a lot of the money for himself. Soon he had $250 million.This was a kind of theft,and it was against the law.The people who gave him their money didri't think anything was wrong.Ponzi paid them every month,just like a bank.Ponzi continued this way of working for two years.Then one day,he didn't have enough money to pay all the people.They discovered his crime,and he went to prison for fraud.Ninety years later,people began to hear about a businessman in New York named Bernard Madoff. People said he gave good advice about money.They said when they gave him their money,he paid them a lot more than the bank.Madoff helped hospitals,schools,and individuals earn money.Over a period of 40 years,people gave him $170 billion.However,no one investigated what he did with the money.The people who gave Madoff their money also didn'tthink anything was wrong because he paid them everymonth.One day,Madoff didn't have enough money to pay all the people he needed to pay.That's when people discovered how Madoff worked:He was taking money from some people to pay other people,just the way Charles Ponzi did.However,this time,instead of losing millions of dollars,people lost billions.Madoff was accused of fraud,and the United States government officials arrested him.He didn'thave to go on trial because he said he was guilty.In 2009,a judge sentenced him to 150 years in prison.Bernard Madoff's crime was even bigger than Ponzi's.It was the biggest fraud in history.The lesson of this story is clear:When something seems too good to be true,it probably is!What did Ponzi do with the money people gave him?A:He spent it all on things for himself. B:He used some of it to pay other people.C:He deposited it all in a bank.D:He kept it all to save for a good plan.

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共用题干第二篇From Ponzi to MadoffThe year was 1920. The country was the United States of America. The man's name was Charles Ponzi. Ponzi told people to stop depositing money in a savings account.Instead,they should give it to him to save for them.Pouzi promised to pay them more than the bank.For example,a savings account might pay you $5 a year for every $100 you deposit.Ponzi,however,would pay you $40 a year for every $100 you gave him to hold.Many people thought this was a good plan.They began to give their money to Ponzi.How could Ponzi make so much money for people?This is what he did with the money people gave him: He used some of that money to pay other people who gave him money.However,he also kept a lot of the money for himself. Soon he had $250 million.This was a kind of theft,and it was against the law.The people who gave him their money didri't think anything was wrong.Ponzi paid them every month,just like a bank.Ponzi continued this way of working for two years.Then one day,he didn't have enough money to pay all the people.They discovered his crime,and he went to prison for fraud.Ninety years later,people began to hear about a businessman in New York named Bernard Madoff. People said he gave good advice about money.They said when they gave him their money,he paid them a lot more than the bank.Madoff helped hospitals,schools,and individuals earn money.Over a period of 40 years,people gave him $170 billion.However,no one investigated what he did with the money.The people who gave Madoff their money also didn'tthink anything was wrong because he paid them everymonth.One day,Madoff didn't have enough money to pay all the people he needed to pay.That's when people discovered how Madoff worked:He was taking money from some people to pay other people,just the way Charles Ponzi did.However,this time,instead of losing millions of dollars,people lost billions.Madoff was accused of fraud,and the United States government officials arrested him.He didn'thave to go on trial because he said he was guilty.In 2009,a judge sentenced him to 150 years in prison.Bernard Madoff's crime was even bigger than Ponzi's.It was the biggest fraud in history.The lesson of this story is clear:When something seems too good to be true,it probably is!What was Ponzi's crime?A:He robbed the banks of millions of dollars.B:He gave people more than the bank did.C:He kept a lot of other people's money for himself.D:He did not pay people their interests.

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Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.Although money is part of their life, some people don’t attach more importance to it.（　）A、TrueB、FalseC、Not Given

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Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.Some people think of money as a means of donation. （）A、TrueB、FalseC、Not Given

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Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.People’s attitudes towards money may change in different situations.（　）A、TrueB、FalseC、Not Given

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Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.The approaches to finances vary from person to person.（）A、TrueB、FalseC、Not Given

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单选题Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.Money is only a part of the HWR system.（　）ATrueBFalseCNot Given

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单选题—It’s one of the ______ things in the world to stay with friends.—I agree. It always makes us relaxed.AworstBhappiestCbusiestDhardest

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单选题Lovely useless things, according to the author, serve the purpose of _____.Adecorating the houseBshowing off one’s artistic tasteCreminding people of things pastDrevealing one’s tendency to waste money

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