Question

【題目】 【1】 This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day.” 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”. 【2】 A spendthrift is someone who spends wastefully. People like that are often said to spend money “l(fā)ike a drunken sailor” or “l(fā)ike there is no tomorrow”.

In the United States, people who want to start a savings account have different choices of where to put their money. 【3】 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 rates are low. Certificates of deposit (定期存款) pay higher returns. With Certificates of deposit, people agree not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. 【4】 People can withdraw the money early but they have to pay a penalty.(罰金)

In many countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. 【5】 Many European countries have higher rates, but Americans save more than families in Japan.

A. People are willing to save money for te future.

B. Before gold, even kings take off their hats.

C. A penny saved is a penny earned.

D. Longer terms, and large amounts, pay higher interest.

E. This year the rate is expected to be a little more than four percent.

F. These include banks and credit unions.

G. A thrifty person is different from a spendthrift.

Answer 1

【答案】

【1】C

【2】G

【3】F

【4】D

【5】E

【解析】

試題分析：這是一篇關(guān)于理財(cái)?shù)奈恼隆：?jiǎn)述了節(jié)儉與吝嗇的區(qū)別，并分析了現(xiàn)在人們的理財(cái)方式與收益大小。

【1】選C，A penny saved is a penny earned.存一分錢便是賺一分錢。由原文可知此處應(yīng)填入一個(gè)引導(dǎo)性的句子作為文章的開(kāi)頭。由第一段第二句“This old saying calls attention to the wisdom of saving money.”可知這句老話的意思是要注意會(huì)存錢的智者，從而在下面選項(xiàng)中尋找相似的句子，只有A和C是關(guān)于save money的，而C句子為一句諺語(yǔ)，符合old saying，故選C。

【2】選G，A thrifty person is different from a spendthrift. 節(jié)儉的人與注重?fù)]霍的人是不一樣的。聯(lián)系上下文，上一句“while those who like to get the most value for their money are called “thrifty””把錢花在最有價(jià)值的地方的人叫做節(jié)儉，這里解釋了什么是“thrifty”，下一句“A spendthrift is someone who spends wastefully.”揮霍是指一個(gè)人花錢很大手大腳，這里解釋了什么是“spendthrift”，由此可知，第17題應(yīng)填與thrifty和spendthrift相關(guān)的句子，故選G。

【3】選F，These include banks and credit unions.這包括銀行和信用合作。由前一句“In the United States, people who want to start a savings account have different choices of where to put their money. ”在美國(guó)，想存錢的人關(guān)于把錢存在哪兒有不同的選擇，可知下一句應(yīng)是介紹有哪幾種選擇。而且后文注重介紹了credit union可知，此處應(yīng)填與credit union相關(guān)的句子，故選F。

【4】選D，Longer terms, and large amounts, pay higher interest.期限更長(zhǎng)，賬目更大，收益更高。由原文可知，這一段主要介紹的是定期存款，所以此處應(yīng)填與定期存款有關(guān)的句子。由文中“Certificates of deposit (定期存款) pay higher returns”可知定期存款收益更高，而選項(xiàng)D符合定期存款的特點(diǎn)，故選D。

【5】選E，This year the rate is expected to be a little more than four percent.這一年的利率預(yù)計(jì)會(huì)略高于百分之四。由原文可知，這一段主要介紹的是在2000年，一些國(guó)家的利率情況，所以此處應(yīng)填與利率相關(guān)的句子，故選E。