1-10 Part I Cloze (15 points) Directions: In this section,there is a p

1.There are 1passages in this part.Thepassage is followed by some questions or unfinished statements.For each of them there are four choices marked A),B),C)and D).You should decide on the best choice.passage:During college,a student tends to take money for granted because of all the excitement generated by the activities,studying and hanging out with friends.You would not want to put yourself in debt or overspend your allowance.That is why you need to keep a close watch of your spending habits.Here is an easy guide to follow on how a college student can save up those hard-earned bucks.First,make a list of your expenses.By now,you should know how much money you expect to have for each week or month that you have classes.The money that you will live on could be from your parents,your part-time work or a student loan.List down your spending essentials like food,school supplies and books.This should give you an idea of how much you would get to spend each week.Do not forget to save some petty cash for unexpected expenses.Second,avoid using your credit or debit cards.It would be easier if you do not have a credit or a debit card with you all the time.Just keep them handy for a big expense that you really do not have cash for.For small items that you need to purchase,it is better to still use the cash that you have with you to keep yourself from overspending.Third,eat well.Eating out a lot might save you time but it will definitely not save you money.In the long run,it will be more costly for you to eat each meal at fast food restaurants.Instead,you can spend your food money on groceries and you can just eat in your dorm or apartment;and even pack your lunch when you have classes.With the right meal-planning,you would not just save money,but you would also get to eat healthier.Fourth,treat yourself once in a while.By following this guide and keeping your luxury items to a minimum,you can save yourself a lot of money while studying for college.Who knows?You might even save enough to buy yourself a big item that otherwise,you would not even have the money for

2.Section B Banked ClozeDirections: In this section, there is a passage with several blanks. You are required to select one word for each blank. You are required to select one word for each blank from a list of choices given in a word bank following the passage. Read the passage through carefully before making your choices. Each choice in the bank is identified by a letter. You may not use any of the words in the bank more than once.

3.Part III. Filling in the blanks (10 points) Directions: In this part, there is a passage with ten blanks. You are required to select one word for each blank from a list of choices given in a word bank following the passage. Each choice in the bank is identified by a letter. Please mark the corresponding letter for each item on Answer Sheet. You may not use any of the words in the bank more than once. (10 points: 10×1 point)

4.In this section, there is a passage with 10 blanks. You are required to select one word for each blank from a list of choices given in the word bank following the passage. Read the passage through carefully before making your choices. You may not use any

5.Section DComplete the passage, using appropriate words. If you are serious about saving money, there are some things you should do. First of all, open a bank ________1_________ (interest / credit / account) just for saving and put some money in it every month. Around five or ten _______2________(percent / points / places) of your salary is a good start. Secondly, you should make a monthly budget. Keep track of all your ________3________(estimate / expenses / emergency) and find areas of your life that you can save money in. Finally, try to cut ________4________ (unnecessary / financial /used) spending from your life. Driving a big car? Change to a smaller one. Not watching much TV? Cancel your cable subscription. Eating out too often? Startcooking at home more. Spending too much on rent? Find _______5_______ (easier / more / convenient / cheaper) housing. These are just some of the many ways you can save money.

6.When you ask a question in your speech and want to get replies from your audience, you can do the gesture of asking for money. ( )

7.The first thing you should do is to plan for retirement. Contributing early and regularly means that you can get by with contributing a lower overall percentage of your income and you do not need to worry about catching up later.
It makes sense to plan as though you are going to be responsible for your retirement on your own.__1__It may help you to be able to retire early.
A financial plan can include everything from your career plan to your retirement plan. If that feels like too much start out with a five-year plan. Where do you want to be in five years? What do you need to do financially to get there?
__2__Be sure to include long-term goals like retirement as part of your plan. This may include going back to school to get your education to help with your next career goal.
Now is a great time to focus on the career ladder.__3__Make clear goals and determine what you need to do to reach them. It may mean switching companies, moving to another city or going back to school. It may mean that you do side work or create a professional network and find a mentor to help you reach that goal.__4__It is okay to switch directions at some point and choose to go a new direction if you find a better fit for you.
Dreams can change, but the key is to keep moving forward toward that dream.
Budgeting is one of the biggest tools to managing your money properly. When you are single, it is easy to justify not creating a budget. Your expenses are straightforward and if you pay your bills what does it matter when and how you spend your money? However, your budget can help you find areas you can cut back on speeding to put more money toward savings or debt.__5__This does not mean you should not have fun, but determine how much you can afford to spend while working on your financial plan and stick to that amount. 选项： A:It takes time and hard work to move up. B:Make your income a tool, and budget effectively. C:This will give a yield of 10% on your investment. D:Shoppers should look through circulars for special deals. E:Then break it down into yearly and monthly goals and steps. F:This allows you to save enough and will leave you prepared. G:Break down the steps for the career path you want to take and start taking them.

8.When you ask a question in your speech and want to get replies from your audience, you can do the gesture of asking for money.选项： A:正确; B:错误

9.共用题干第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would 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 an
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 you have 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.Your money will earn more money if you put it 选项： A:in your room. B:in a piggy bank. C:in your pocket. D:in a savings account.

10.共用题干第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would 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 an
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 you have 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.Among other things,a bank statement tells you 选项： A:the amount of money you have in the bank. B:the current rates of interest. C:the current rates of exchange. D:the best way to save your money.

11.[单选题]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 CD(光盘)or to go to a concert, then probably you would 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 an 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 you have 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.Among other things,a bank statement tells you A the amount of money you have in the bank. B the current rates of interest. C the current rates of exchange. D the best way to save your money.

12.When you regard dancing as one avocation, you . 选项：can continue to dance for fun, but separately from your day job.|should earn enough money from it.|have to know that dancing is your vocation.|must spend most of your time on it.

13. 阅读理解真题 Students can travel in the United States without spending too much money if they l follow these suggestions . A travel agent can give you information on special economy fares for trains , buses and planes .(73) Think about hiking or biking for a part of your trip , too . You ' ll not only save money , but you ' ll also see a lot more of the country . Some students may want to travel by car . Be sure to think about going with other students - many colleges have " ride boards ” that list when and where other students plan to travel . Many radio stations provide the same sort of service - they announce who ’ s driving where , when , how many riders they will take and what the expenses will be . There are many inexpensive , older hotels near bus or train stations . Check your travel guide for names of the best .(74) Many parts of the country also have youth hostels where young people can stay for only a few dollars a night . You don ' t have to eat in restaurants all the time , but we don ' t recommend a diet of candy and cola , either . You can usualy get a healthy , cheap breakfast in a restaurant . If the weather is warm , you can buy food in supermarkets or at roadside stands and have a picnic for lunch . For dinner you can get the names of good , cheap restaurants from the travel guide or friends .(单选题) The passage tells students (). 选项： A: how to get help while traveling B:how to make travel plans C: how to use less money while l traveling D: how to choose hotels

14.共用题干第三篇

Saving Money

Where 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 which_______. 选项： A:a bank lends to people B:a bank loans to businesses C:a bank pays you D:a bank uses

15.What does the writer recommend you do when you are not working? 选项： A、Write emails to your friends and family. B、Spend time learning skills to help you in your job. C、Volunteer to work overtime to make more money. D、Get out and explore the area you are in.

16. Wise buying is a positive way in which you can make your money go further. The 1 you go about purchasing an article or a service can actually 2 your money or can add to the cost.Take the simple example of a hairdryer. If you are buying a hairdryer, you might 3 that you are making the best buy if you choose one whose look you like and which is also the cheapest 4 price. But when you get it home you may find that it 5 twice as long as a more expensive model to dry your hair. The cost of the electricity plus the cost of your time could well make your hairdryer the most expensive one of all. So what principles should you adopt when you go out shopping? If you keep your home, your car or any valuable possession in excellent condition, you'll be saving money in the long run. 选项： A:form B:fashion C:way D:method

17.Nothing succeeds like confidence. When you are truly and justifiably confident, it radiates from you like sunlight,and attracts success to you like a magnet.It's so important to1) _yourself. Believe that you can do anything under any 2) ,because if you believe you can,then you reallywill.That belief just keeps you 3) Success, and then pretty soon you can get it.Confidence is more than an attitude. It comes from knowing exactly where you are going, and how you are going to get there. Itcomes from 4) purpose.It comes from a strong commitment to take 5)_ _,rather than just let life happen. One way to develop self-confidence is to do the thing you fear and get a record of successful experiences behind you.Confidence does not eaual self-importance.Self-importance is born out of fear and 6) whileconfidence comes from strength and 7) _,Confidence is not just believing you can do it. Confidence is knowing you can do it,and knowing that you are capable of 8) anything you want. Anything can beachieved through focused, determined effort,commitment and self- confidence. If your life is not what you9) you have the power to change it, and you must make such changes on a moment by moment basis. Live with your goals and your plan of action, and live each moment with your10) _in mind,then you will have the life you want.

18.When you regard dancing as one avocation, you . 选项：A、can continue to dance for fun, but separately from your day job. B、should earn enough money from it. C、have to know that dancing is your vocation. D、must spend most of your time on it.

19.问题4 单选 (1分) Beginning college is exciting: new ideas to explore,new challenges to be met and many decisions to be made. Your future begins here. However,you will find college life is different from your previous school environment. Many of us can be easily overwhelmed by the details of running a wellbalanced life. While some of us may have the knowhow,I guess there are more of us who can benefit from learning about the experiences of others who have walked the college halls before you. The following you may find of use about life on campus. ●Plan well. There are so many new things to do at a new college or university. Give yourself time to make new friends and become familiar with the campus,but don't forget why you are there. Give some time for social activities and manage your time wisely. ●If you don't have a "system" for planning your time now (like a day timer, a computer date book), get one. Most of all,don't depend on your memory. ●Don't miss the guidelines. The restrictions,rules and regulations of all kinds can usually be found in your student's handbook. Consider them well balanced food for thought. What dates are important? What pieces of paper need to be handed in? What can/ can't you do in your student residence(住处)? Who has the right for what? What do you need to complete to graduate? ●Write the word "STUDY" on the walls of our bedroom and bathroom,and maybe it will help to write it on a piece of paper and stick it on the telephone,TV and the kitchen table. Consider this-you are paying thousands of dollars for your courses. You pay every time you have to repeat or replace a course. ●Build your identity. This is the time for you to decide what to do and what not to do. Take as much time as you need to explore new ideas. Do not be afraid of the beyond. This is learning to make good choices.4.According to the passage, which of the following is true?A.College life is a little different from your previous school environment. B.You can always depend on your memory.C.Most of us can benifit a lof from other students who have experiences of college life earlier than you do.D.There is no need to pay every time you have to repeat or replace a course.选项： A:College life is a little different from your previous school environment. ; B:You can always depend on your memory.; C:Most of us can benifit a lof from other students who have experiences of college life earlier than you do.; D:There is no need to pay every time you have to repeat or replace a course.

20. When you regard dancing as one avocation, you________. 选项： A、 can continue to dance for fun, but separately from your day job. B、 should earn enough money from it. C、 have to know that dancing is your vocation. D、 must spend most of your time on it.

21. Beginning college is exciting: new ideas to explore,new challenges to be met and many decisions to be made. Your future begins here. However,you will find college life is different from your previous school environment. Many of us can be easily overwhelmed by the details of running a wellbalanced life. While some of us may have the knowhow,I guess there are more of us who can benefit from learning about the experiences of others who have walked the college halls before you. The following you may find of use about life on campus. ●Plan well. There are so many new things to do at a new college or university. Give yourself time to make new friends and become familiar with the campus,but don't forget why you are there. Give some time for social activities and manage your time wisely. ●If you don't have a "system" for planning your time now (like a day timer, a computer date book), get one. Most of all,don't depend on your memory. ●Don't miss the guidelines. The restrictions,rules and regulations of all kinds can usually be found in your student's handbook. Consider them well balanced food for thought. What dates are important? What pieces of paper need to be handed in? What can/ can't you do in your student residence(住处)? Who has the right for what? What do you need to complete to graduate? ●Write the word "STUDY" on the walls of our bedroom and bathroom,and maybe it will help to write it on a piece of paper and stick it on the telephone,TV and the kitchen table. Consider this-you are paying thousands of dollars for your courses. You pay every time you have to repeat or replace a course. ●Build your identity. This is the time for you to decide what to do and what not to do. Take as much time as you need to explore new ideas. Do not be afraid of the beyond. This is learning to make good choices.4.According to the passage, which of the following is true?A.College life is a little different from your previous school environment. B.You can always depend on your memory.C.Most of us can benifit a lof from other students who have experiences of college life earlier than you do.D.There is no need to pay every time you have to repeat or replace a course.选项： A:College life is a little different from your previous school environment. ; B:You can always depend on your memory.; C:Most of us can benifit a lof from other students who have experiences of college life earlier than you do.; D:There is no need to pay every time you have to repeat or replace a course.