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. |
| 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. |
| 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
解析試題分析：這篇文章主要講了在美國，人們想開儲蓄賬戶就多種選擇，包括銀行和信用機構。
【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. "可知這里應該填。“未雨綢繆”是為將來打算的另一種說法。故選C。
【小題2】細節(jié)題：根據(jù)Certificates of deposit pay higher returns. 信用機構、銀行等其他金融機構都對儲戶支付利息，但利率很低。存款證的回報要高些，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的不同選擇，故選A。
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點睛新教材全能解讀系列答案
小學教材完全解讀系列答案科目：高中英語 來源： 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. "
【小題1】To build a team-centered workforce, employers_________.
| A．should learn to be considerate |
| B．should be divided into two parties |
| C．shouldn't go out with clients alone |
| D．should learn to accept public criticism |
| 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 |
| A．inform | B．persuade | C．instruct | D．eutertain |
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科目：高中英語 來源： 題型：閱讀理解
Discover the beautiful, silent, white world or Antarctica on the holidays of a life-time．Head South to Buenos Aires and then transfer to the world's most southern city, Ushuaia．From there, it's about 1,000 kilometers on a special icebreaker ship to the freezing temperature of Antarctica．
Getting off the ship and taking your first step onto the ice, you will imagine what it is like to be an explorer．Meet penguins（企鵝） sitting on their eggs, or see an Antarctic seal that lives all the year round on the ice．But do not get closer than five meters to any animal, in case you frighten it or make it angry．
The friendly crew of the ship will look after you as you explore the ice continent. We promise you fantastic meals and a comfortable bed — you sleep in a four-person cabin — as well as many special treats．If you don't think it is cold enough, try the ''polar plunge" — jump into a special hole dug in the ice and dip your head under the water．You can then jump into a hot bath and if you succeed we will give you a certificate．
After you wake up for the first time in the Antarctica you will understand why everybody who goes there falls in love with the place．The scenery is different every day because the sea ice is always moving．
Our ships travel to Antarctica from November to March — phone today and book your dream holiday!
【小題1】How should you behave when you see animals on Antarctica?
| A．Don't take photos with them． |
| B．Sit on the legs of the penguin． |
| C．Don't watch them too near． |
| D．Never make them angry． |
| A．try the "polar plunge" |
| B．sleep in a four-person cabin |
| C．have a bath in hot water |
| D．dive in the sea |
| A．describe what Antarctica is like |
| B．tell about the scenery in Antarctica |
| C．call for people to discover Antarctica |
| D．a(chǎn)ttract more tourists to Antarctica |
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科目：高中英語 來源： 題型：閱讀理解
Starting a new school term is always exciting. It is a chance to see all of your friends again. But most exciting of all, the new term is an opportunity to take up new hobbies. As you know, it is common in Britain for students to take up new hobbies after the Christmas holidays. Promising to begin something new is a common New Year resolution for many school teenagers.
Most schools offer different kinds of hobby classes. Students take them in their free periods or after school. Some classes you have to pay for and others are free of charge. For example, I once took a free Wednesday evening gymnastics class that my school offered. But when I learnt how to play the drum my parents had to pay for the lesson, and they did so, like most parents, without any complaint.
The most popular extra classes at my school were piano lessons and drama club: Both classes offered exams students could take. Because the extra classes may take up much time of the students, students with many hobbies sometimes felt more stressed than those without any. But they could enjoy their life better than those who didn't foster (培養(yǎng)) any hobbies at school. For example, they could build up good friendship with the persons who shared the common interest with them. Most important of all, the students with hobbies left school with many extra skills.
Frankly speaking, I haven't continued any of the hobbies I began at school. But I have never regretted taking them. After all, my best friend today is someone whom I met in my gymnastics class. The reason why we are still keeping in close touch with each other is that we have much in common.
【小題1】The first paragraph suggests that it's children's nature .
| A．to value friendship |
| B．to make a promise easily |
| C．to copy others' behavior |
| D．to be curious about the new |
| A．a(chǎn)pproval | B．doubt | C．unconcern | D．disapproval |
| A．They can enjoy a good time. |
| B．They can learn extra skills. |
| C．They can make more friends. |
| D．They will have things to share. |
| A．free hobby classes are very popular |
| B．hobbies are a way of making friends |
| C．we must be careful when choosing a hobby |
| D．hobby classes may not last a long time |
| A．To introduce some hobby classes at school. |
| B．To tell readers how to choose hobby classes. |
| C．To encourage readers to take up new hobbies. |
| D．To report a trend among British school children. |
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科目：高中英語 來源： 題型：閱讀理解
I came to study in the United States a year ago. Yet, I did not know the real American society until I was injured in a car accident because after the car accident I had to see a doctor---- and go to court(法庭).
After the accident, my roommate called a doctor for me. I was very grateful and determined to repay him one day. But the next day, he asked me to pay him $200 for what he had done. I was astonished. He had good reason to charge me, he said. And if I wanted to collect money from the person who was responsible for my injury. I’d have to have a good lawyer. And only a good doctor can help me get a good lawyer. Now that he had helped me find a good doctor, it was only fair that I should pay him.
But every time I want to see doctor, I had to wait about 50 minutes. He would see two or three patients at the same time, and often stop treating one so as to see another. Yet he charged me $115 each time. The final examination report consisted of ten lines and it cost me $215.
My lawyer was all smiles the first time we met. But after that he avoided seeing me at all. He knew very well the other party was responsible for the accident, yet he hardly did anything. He simply waited to collect his money. He was so irresponsible that I decided to dismiss him. And he made pay him $770.
Now I had to act as my own lawyer. Due to my inexperience, I told the insurance(保險) company the date I was leaving American. Knowing that, they played for time,….. and I left without getting a cent.
My experience taught me two things about America: firstly, in a country like America money is everything. It is more important than friendship, honor or professional morality（職業(yè)道德）. Secondly foreigners are still being treated unfairly. So when we talk about America, we should see both its good and bad sides.
【小題1】The author’s roommate offered to help him because ------------.
| A．he felt sorry for the author |
| B．he thought it was a chance to make some money |
| C．he knew the doctor was a very good one |
| D．he wanted the author to have a good lawyer |
| A．be responsible | B． accuse | C．a(chǎn)sk as a price | D．claim |
| A．friendly | B．greedy | C．professional | D．busy |
| A．Going to court is something very common in America |
| B．One must very careful while driving a car |
| C．There are more bad sides in America than good sides |
| D．Money is more important than other things in America |
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科目：高中英語 來源： 題型：閱讀理解
If English is not your first language, it is a good idea to take English language classes to improve your written and spoken communication skills. There are many ways to learn English. You can learn from a book, a DVD, on the Internet or by attending classes. One of the most successful ways to improve your English is to join a course in a country where English is widely spoken. The more you practice, the more you will learn. But why learn the English language? English is an important language for anyone who is planning to travel or become involved in business.
Many people love traveling, but if their English is poor, it can be difficult to understand signs, read directions and make themselves understood. Before traveling, it is important to understand the culture and customs of the places you visit. Learning basic English before you travel will help you to understand these customs and avoid mistakes that could be embarrassing. When you are traveling, you will also enjoy meeting new people. If you can speak English, you will have a better chance of being able to communicate with the people you meet. Many of your new friends will speak English and others will have English as a second language. Without English, your friendships will be limited as you travel around the world.
If you are involved in business, it is important to be able to communicate in English. The Internet, world travel and modern communication systems have made the world seem like a much smaller place. These days business people interact with customers and other business people from all over the world. That makes your English language skills more important than ever. There are many English language courses that major in business communications. Improving your English skills is one of the best things you could ever do to increase your chances of business success.
【小題1】What kind of people is English important to according to the passage?
| A．Travelers. | B．Teachers. | C．Students. | D．Language experts. |
| A．Traveling around the world with English-speakers. |
| B．Taking a course in an English-speaking country. |
| C．Learning from all kinds of books or DVDs. |
| D．Learning on the Internet by yourselves. |
| A．To have more opportunities to communicate with others. |
| B．To understand the customs of your destination. |
| C．To avoid embarrassing mistakes on your journey. |
| D．To research the causes of cultural differences. |
| A．The more you practice, the more you will learn. |
| B．Doing business helps to improve your communication skills. |
| C．English is important for anyone who is involved in business. |
| D．The Internet has made the world become smaller and smaller. |
| A．learning English well will make you achieve goals more easily |
| B．learning English only aims at achieving business success |
| C．without learning English, your friendships will be limited wherever you are |
| D．you needn’t learn English if you don’t want to travel |
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科目：高中英語 來源： 題型：閱讀理解
Where Are We Going, Dad? has become one of China's most popular television shows, since its debut (首次登場) in October, averaging more than 600 million viewers each week. Sponsorship rights (冠名權) for the show's second season were sold for 312 million yuan (about $ 50 million), more than ten times higher than the rights to the first season.
What accounts for its popularity? The show features a new generation of Chinese fathers, who, as part of the country’s new middle class, have faced more problems with modern child-raising techniques such as taking an active role with their children.
Part of the appeal of the show is the chance to throw a glance at the lives of Chinese celebrities (名流) and their children. Audiences are interested in watching the failed attempts of celebrity dads making dinner, doing hair, and disciplining (管教) children -- tasks often left to mothers in a society still influenced by the saying that “men rule outside and women are inside.” “In traditional Chinese culture, fathers are strict and mothers are kind. But on the show, we see fathers who are much gentler on their kids and more involved in their upbringing, ” said Li Minyi, an associate professor. “This show raises an important question for modern Chinese society -- what is the role of fathers in today’s China?”
After each episode (集) goes to air, the Chinese internet explodes with comments on each celebrity's parenting style.
Actor Guo Tao tries to communicate with his son, Shitou, but is seen as a more traditional Chinese father, and has been criticized online for being too harsh. Zhang Liang. a supermodel, is an audience favorite for treating his son. Tiantian, more like a friend. The show’s most famous celebrity. Lin Zhiying, a film star, was originally praised as patient with his son Kimi. But as the season progresses, fans begin to criticize him for raising a spoiled, undisciplined boy. Director Wang Yuelun is at a complete loss when it comes to care of his daughter’s hair.
Even the People's Daily is pleased with the success of the show.
【小題1】Sponsorship rights for the show’s first season were sold for about______.
| A．312 million yuan | B．50 million yuan | C．31 million yuan | D．600 million yuan |
| A．gives audiences the chance to raise the star's children themselves |
| B．invites some famous film stars to take part in it |
| C．lets people think about the role of fathers in modem families |
| D．raises people's concern about women's role in the society |
| A．careless | B．strict | C．clumsy | D．kind |
| A．Guo Tao | B．Zhang Liang | C．Lin Zhiying | D．Wang Yuelun |
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科目：高中英語 來源： 題型：閱讀理解
I bought a Paul Smith shirt three months ago. For those who don’t know, Paul Smith is an English designer brand.
His shirts cost about 1,000 yuan and upwards. I paid 50 yuan for my colorful shirt from a street vendor in Beijing.
Of course my shirt was a knockoff, a cheap copy of the brand. After a few washes, little balls formed on the surface of the thin material.
Do I care? Not at all. You get what you pay for.
I have to admit I hate shopping. I don’t care enough about spending money on clothes. I have other priorities.
In You Are What You Wear, US writer Jennifer Baumgartner says people’s clothes tell a story about their personality.
She writes: “The clothes you choose to wear provide important information about you as a person: your approximate education level, your income, social status and even your level of self-esteem (自信).” When I started work as an undercover crime reporter, I had to shop for jeans and a hoodie (連帽衫) in order to fit in with a rough and ready (世故的) social group.
I bought the hoodie in a charity shop. My daughters were shocked. They thought I looked bad, but I knew my disguise was perfect.
Elizabeth L. Cline thinks she knows best when it comes to cheap clothes in her book Overdressed: The Shockingly High Cost of Cheap Fashion. She expresses sadness that clothing has been turned into a good that is thrown away after being used once or twice.
She looks down her nose at cheap fashion and longs for the good old days when department stores sold quality clothes at high prices.
I don’t agree. At least people now can choose what to wear without breaking the bank.
【小題1】The underlined sentence in the article meant that .
| A．I don’t mind spending money on clothes |
| B．there’s not much point spending money on clothes |
| C．it is too much trouble to spend money on clothes |
| D．I never spend money on clothes |
| A．immediately won the admiration of his daughters |
| B．turned out unsuited to his plan |
| C．proved that clothes can’t show a person’s true personality |
| D．had something to do with his income |
| A．express his anger at the poor quality of clothes |
| B．show his disagreement with her idea |
| C．show his dislike for how people treat their clothes |
| D．support her attitude toward spending money on clothes |
| A．The variety of clothes | B．You are what you wear |
| C．High cost of cheap fashion | D．You get what you pay for |
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科目：高中英語 來源： 題型：閱讀理解
We're all connected. You can send an e-mail message to a friend, and your friend can pass it on to one of his or her friends, and that friend can do the same, continuing the chain. Eventually, your message could reach just about anyone in the world, and it might take only five to seven e-mails for the message to get there.
Scientists recently tested that idea in a study involving 24,000 people. Participants had to try to get a message forwarded to one of 18 randomly chosen people. Each participant started by sending one e-mail to someone they knew. Recipients could then forward the e-mail once to someone they knew, and so on.
Targets, who were randomly assigned by researchers from Columbia University in New York, lived in 13 countries. They included an Australian police officer, a Norwegian veterinarian, and a college professor.
Out of 24,000 chains, only 384 reached their goal. The rest petered out, usually because one of the recipients was either too busy to forward the message or thought it was junk mail.
The links that reached their goal made it in an average of 4.05 e-mails. Based on the lengths of the failed chains, the researchers estimated that two strangers could generally make contact in five to seven e-mails.
The most successful chains relied on casual acquaintances rather than close friends. That's because your close friends know each other whereas your acquaintances tend to know people you don't know. The phenomenon, known as the strength of weak ties, explains why people tend to get jobs through people they know casually but aren't that close to.
So, start networking and instant messaging now. As they say in show business: It's all about who you know.
【小題1】 If you want to get into touch with a stranger in the world, how many e-mails might it take for the message to reach him/her?
| A. 5 to 7 | B. 18 | C. 13 | D. 384 |
| A. 24,000 people took part in the study and sent e-mails to people they knew. |
| B. The 18 targets were chosen by chance. |
| C. About 98.4% of the mails didn’t reach their goal because some people were too busy or they mistook the message for junk mail. |
| D. The targets come from 13 countries, such as Australia, Norway and New York. |
| A. make sure | B. suppose | C. think over | D. imagine |
| A. Because close friends don’t talk with each other so much. |
| B. Because casual acquaintances can help you know more people and make more friends. |
| C. Because close friends don’t spend so much time gathering together. |
| D. Because casual acquaintances are kinder and more willing to help others. |
| A. Culture | B. Entertainment | C. Information and Technology | D. Health |
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