Are you a saver or a spender?
"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "_________________________" is another way to talk about saving for the future.
People who hate to spend money are known as "tightwads," while those who like to get the most value for their money are called "thrifty." A thrifty person is different from a "spendthrift." A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."
In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款證） pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a fine.
In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in 1990, Americans had a household savings rate of seven percent. This year, that rate is expected to be a little more than four percent and many European countries have higher rates like the UK and France , but Americans save more than families in countries like Japan and South Korea.
小題1:Which of the following proverbs can be filled in the blank in Paragraph 2?
A．Health is wealth.
B．Money is a good servant but a bad master
C．Put money away for a rainy day.
D．Money doesn’t grow on trees.
小題2:If you have $10,000, which of the following may help you get higher interest ?
A．Choose certificates of deposit for one year.
B．Put the money in banks for one year.
C．Put the money in credit unions for one year.
D．Choose certificates of deposit for one year but withdraw the money ahead of time.
小題3:What does the passage mainly talk about ?
A．Different choices of putting money away in the US.
B．The importance of saving money.
C．How to put money into banks.
D．The household savings rate in the US.

小題1:C
小題2:A
小題3:A

試題分析：這篇文章主要講了在美國(guó)，人們想開儲(chǔ)蓄賬戶就多種選擇，包括銀行和信用機(jī)構(gòu)。
小題1:填句題：根據(jù)"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "可知這里應(yīng)該填�！拔从昃I繆”是為將來打算的另一種說法。故選C。
小題2:細(xì)節(jié)題：根據(jù)Certificates of deposit pay higher returns. 信用機(jī)構(gòu)、銀行等其他金融機(jī)構(gòu)都對(duì)儲(chǔ)戶支付利息，但利率很低。存款證的回報(bào)要高些，故選A。
小題3:主旨題： 通過閱讀文章內(nèi)容，可知這篇文章主要講了把錢存在美國(guó)的不同選擇，故選A。
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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

A professor I have worked pretty closely with has been diagnosed with Stage 4 cancer.It has been devastating for his family and heartbreaking for his students.
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Needless to say，I saw an expression of joy and hope on his face as he opened the card.He said he was truly touched to see the messages from the students he worked closely with.
There is one thing I learnt from last week：It is so important to tell people how much they mean to us and what an inspiration they are before it becomes too late.My professor，in spite of being too sick to teach classes，has managed to continue being a great teacher，introducing his last valuable message to us.
小題1:The professor was admired because ________.
A．he was very intelligent
B．he had won many honors
C．he had noble personalities
D．he was very determined
小題2:What do the underlined words “our attitude” in Paragraph 3 refer to?
A．Our worry about his health.
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D．Our pity for him.
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A．was suffering from great pain
B．was still very confident
C．didn’t know he would die soon
D．still cared for others
小題4:Of the following statements，the writer may agree that ________.
A．the professor loves his job very much
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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

Dealing with conflict in the workplace is rarely easy. Hurt feelings and anger can lead to lower employee morale (士氣) as well as a loss of productivity and a poor work environment. As a manager. you should find some ways yourself to solve the conflict. The goal is to build a team-centered workforce.
You can use role-reversal (角色轉(zhuǎn)換) methods to help each employee understand how the other feels. This model works best when there are only two parties involved. You can hold a meeting with annoyed workers in your office. You might say. "Jane, explain to me how you would feel if Nancy went to lunch with your clients (客戶 ) without telling you?" Or. "Nancy, how would you respond if Jane came to me with complaints about you, but hadn't tried to talk to you about them first? "
Workers often respond better to praise than criticism. By publicly drawing attention to employees who have healthy work relationships. you can increase the awareness for those who encourage any conflict. Avoid mentioning teams or departments that are being troubled by conflict. Instead. focus on the teams that work well together You might say. "I want to express thanks to the design team for working together to meet the deadline this week," or -Special thanks to the finance department for their teamwork in making sure that the quarterly reports were accurate"
And help your employees see that differences can be good and don't necessarily lead to anger or disagreement This is one of the best ways to settle workplace conflicts. You can meet with employees and try to stress the value of different techniques. This lets all parties know that their own styles can be effective. You might say. " I know you disagree on how to market our services. but when you combine Jim's email marketing with Joe's personal one-on-one phone calls, you can increase sales. The two of you go well together. " Or. "I know you have different styles for interacting with clients. but Sally's take-them-out-for-coffee approach works well together with Ann's formal business meeting style Both are necessary for building relationships and getting work done. "
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B．should be divided into two parties
C．shouldn't go out with clients alone
D．should learn to accept public criticism
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A．differences are not all bad
B．role reversals are necessary
C．the importance of working together
D．the importance of focusing on the positive
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A．informB．persuadeC．instructD．eutertain

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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

Former Irish President Mary Robinson was just making a polite conversation with an Ethiopian (埃塞俄比亞的) teenager about her wedding day. The 16­year­old had already been married for a year. “She looked at me with the saddest eyes and said, ‘I had to drop out of school’，” Robinson said in a telephone interview. “That conveyed to me the reality，” said Robinson, the first woman to serve as Ireland's president and former U．N. high commissioner for human fights. “Her life, as far as she is concerned, had more or less ended.”
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Joel Cohen, a professor of population studies at Rockefeller University and Columbia University in New York, said universal secondary education offered a way to reduce population in high birth­rate regions. In addition to providing information about birth control, a secondary education teaches women to reduce their own fertility (生育力), improve the health of their children and allows them to move from a mind­set of having many children, in the hopes that some will survive to improving the quality of each child's life, Cohen wrote in the journal Nature.
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A．explaining the author's opinions
B．giving an example
C．describing the poor education system
D．coming straight to the topic
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A．Robinson is happy after talking to the Ethiopian girl.
B．Robinson is a successful expert in population studies.
C．Robinson is worried about population growth.
D．Robinson encourages female education.
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A．It provides basic knowledge of health.
B．It improves the health of children.
C．It makes people pay more attention to education.
D．It can change people's parenting ideas.
小題4:According to Robinson, what is one of the most important things policymakers can do to prevent the population from increasing rapidly?
A．Keeping girls in school.
B．Letting girls go away from Africa.
C．Letting young girls remain single.
D．Keeping girls in families.

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It was during those hard days in a small community． Food was in short supply． I used to stop by Mr．Miller's stand for      
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A．flowersB．grainsC．vegetablesD．fruits
小題2:
A．baggingB．diggingC．sellingD．cooking
小題3:
A．happilyB．hungrilyC．curiouslyD．seriously
小題4:
A．carriedB．sentC．drawnD．led
小題5:
A．pulled upB．picked upC．got upD．came up
小題6:
A．communityB．townC．homeD．store
小題7:
A．tradeB．bringC．changeD．get
小題8:
A．in timeB．in particularC．on purposeD．on average
小題9:
A．somethingB．everythingC．a(chǎn)nythingD．nothing
小題10:
A．impressedB．surprisedC．disappointedD．satisfied
小題11:
A．relativesB．friendsC．businessmenD．workers
小題12:
A．introduceB．sendC．a(chǎn)ccompanyD．a(chǎn)ssist
小題13:
A．comfortB．thanksC．praiseD．encouragement
小題14:
A．sinceB．whetherC．becauseD．a(chǎn)s
小題15:
A．coolB．warmC．redD．pale
小題16:
A．priceB．colorC．storyD．number
小題17:
A．a(chǎn)ppreciatedB．forgotC．neededD．helped
小題18:
A．debtB．wealthC．hopeD．health
小題19:
A．tallestB．dearestC．richestD．toughest
小題20:
A．RollingB．FadingC．HangingD．Resting

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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

Is it ever a good idea admitting a teenager to carry a credit card?
My kids watch closely as I swipe the card through the register. They’ve seen me do it hundreds, thousands of times. Cool. They are itching to swipe it through the machine themselves. When we walk out of the store with our groceries or pet food, or whatever, it’s almost as though money has not changed hands, painless, easy.
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Now parents are required to co-sign on credit cards for children under 21. “If their name is on the credit card, then the parent may say, Hey, my name is on this. Don’t get me into trouble,” says Mary Beth Pinto, a marketing professor. “When parents were the co-obligors (共同借貸人), the children caused less debt. If the parents are the co-obligors, the tendency is that the parents were explaining how to use the cards.” Still, Pinto believes parents should start the process much earlier. “Yes, there has to be teaching going on and it has to start when they’re younger. You’re not going to get rid of credit cards. They are here to stay. You have to have them. You can’t fight progress,” Pinto said.
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A．prove the convenience of using credit cards
B．tell what impression credit cards leave on kids
C．give advice on using credit cards wisely
D．explain the pleasure credit cards bring to customers
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A．eagerB．a(chǎn)fraidC．embarrassedD．thankful
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B．He is very supportive.
C．He is strongly against it.
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A．parents should let teens own their credit cards earlier
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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

Most people are aware of what the adoption process is because it has become rather common in our society. Adoption is where a child is legally placed with guardians (監(jiān)護(hù)人) or parents (or perhaps a single parent) other than the birth mother or father. Once an adoption is finalized, all parental rights are turned over to the adoptive parents and there is no legal difference between adoptive parents and natural birth parents. There are generally two types of adoption, which are closed adoption and open adoption.
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A semi-open adoption is where the birth parents may have contact with the adoptive parents before the birth of the child, either once or several times. After the birth there is no more contact. A semi-open adoption may remain as it is or it can become either open or closed.
A closed adoption is where only the medical and historical information about the biological parents is given to the adoptive family. Typically, the birth and adoptive parents do not know each other’s identities. The record of the birth parents is kept sealed (密封). A closed adoption is usually only effective in the adoption of babies. The adoption of an older child who already knows his or her birth parents cannot be kept closed.
小題1:How many adoption types are mentioned in the passage?
A．2.B．3.C．4.D．5.
小題2:Which of the following statements is TRUE about the closed adoption?
A．The birth parents may have indirect contact with the adoptive parents.
B．The biological parents may often go to see their birth child.
C．No information about the biological parents is given to the adoptive parents.
D．Generally speaking, the adoptive parents do not know the birth parents’ identities.
小題3:Suppose someone adopts a child and his biological parents often get contact with the child by telephone. We can call this adoption _____.
A．a(chǎn) closed adoptionB．a(chǎn)n open adoption
C．a(chǎn) semi-open adoptionD．a(chǎn) semi-closed adoption
小題4:From the passage, we know adoption is _____.
A．where a child is brought up by the government
B．where a child is legally sent abroad by the birth parents
C．where a child is legally placed with adoptive parents
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科目：高中英語(yǔ) 來源：不詳 題型：完形填空

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小題1:
A．work B．collegeC．trainingD．project
小題2:
A．fillingB．coveringC．floodingD．meeting
小題3:
A．classB．schoolC．lunchD．graduation
小題4:
A．toughB．fairC．excitingD．mild
小題5:
A．wroteB．publishedC．came outD．printed
小題6:
A．surprisinglyB．doubtfullyC．jokinglyD．increasingly
小題7:
A．darkB．usefulC．brightD．weak
小題8:
A．mathematicsB．literatureC．philosophy D．humanities
小題9:
A．intendedB．tendedC．decidedD．pretended
小題10:
A．interestB．a(chǎn)ttitudeC．focusD．point
小題11:
A．worriedB．a(chǎn)stonishedC．pleasedD．touched
小題12:
A．skillB．potentialC．wishD．interest
小題13:
A．programB．chanceC．courseD．way
小題14:
A．decidedB．measuredC．dependedD．a(chǎn)ttracted
小題15:
A．discouragingB．forcingC．remindedD．encouraging
小題16:
A．earningB．raisingC．providing D．a(chǎn)chieving
小題17:
A．searchB．considerC．getD．pick
小題18:
A．whileB．thoughC．a(chǎn)sD．when
小題19:
A．worksB．mattersC．a(chǎn)ttachesD．fixes
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A．contributionB．enthusiasm C．desperationD．creativity

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科目：高中英語(yǔ) 來源：不詳 題型：閱讀理解

Dear Alcohol,
You've been around forever. I can remember all the pain you've caused for me.
Do you remember the night you almost took my father's life? I do. He loves you. Sometimes I think he loves you more than he loves me. He's addicted to you, to the way you promise to rid him of his problems only to cause more of them. You just sat back and laughed as his car went spinning through the street, crashing into two other cars. He wasn't the only one hurt by you that night.
Do you remember the night of my first high school party? You were there. My friends were intrigued by you. They treated you as if they were never going to see you again, drinking all of you that they could. I spent two hours that night helping my friends who had fallen completely. "I'm so embarrassed," they said as I held their hair back so that they could vomit (嘔吐). "I'm sorry," they said when I called taxies for them, walking them out and paying the driver in advance. "This won't happen again," they said as they were sent to the hospital to have their stomachs pumped. Two 15-year-old girls slept in hospital beds that night thanks to you.
Do you remember the night when you took advantage of my 17-year-old neighbor who had to drive to pick up his sister from her dance lessons? Do you know how we all felt when he hit another car and killed the two people in the other car? He died the next morning too. His sister walked home from her dance lesson, and passed police cars and a crowd of people gathering on the sidewalk just two blocks away from the dance studio. She didn't realize her brother was in the midst of it all. She never saw him again. And it's all your fault.
I wish you'd walk out of my life forever. I don't want anything to do with you. Look at all the pain you've caused. Sure, you've made people happy too from time to time. But the damage you've caused in the lives of millions is inexcusable. Stop luring (引誘) in the people I love. Stop hurting me, please.
Sincerely,
Anonymous
小題1:What is author's purpose in writing to alcohol?
A．To introduce Mr. Alcohol to the readers
B．To describe the harm alcohol did to his family.
C．To show how much alcohol can hurt people.
D．To show the great fun that alcohol can bring to people's life.
小題2:What did alcohol do to the author's father?
A．It made him crash into two other cars and killed his life.
B．It made him drink too much and he had to get his stomach pumped.
C．It made him kill two other people when driving.
D．It made him get into a car accident and badly injure himself.
小題3:The underlined phrase "were intrigued by" is closest in meaning to ______.
A．were familiar withB．were interested in
C．were disappointed withD．were satisfied with
小題4:What is the tone of the article?
A．Critical.B．Doubtful.C．Unconcerned.D．Humorous.

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