4、    Spending beyond one’s means is becoming a national problem for Americans．Borrowing has become so easy that it takes great willpower for people to refuse it．“I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months，”said one computer engineer at AT＆T Bell Laboratories in Chicago．“I got three of them in one day last week．”

    Lenders are providing easy credit（信貸）for borrowers．Many banks now offer every borrower a great variety of credit，a service once offered almost only to big companies．Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly m half .Carmakers，too，are lengthening easier terms．Ford Motor Credit states that 45 % of its recent lending has been for sixty months，rather than the sixty-six-month period that was usual before．

    The total consumer debt（債務）in the United States rose 73 percent between 1974 and 1984，as the debt for each man，woman，and child increased from $10，264 to $26，566．Huge debt now is present in our economy（經(jīng)濟）at all levels．As a nation，we are more than $7 trillion in debt，and the total keeps increasing astonishingly.

    As we have overborrowed，so have we overspent．In late 1986，the share of after-tax income that Americans saved sank below 2 percent for a short time，less than half the figure at which we saved only 10 years ago．Americans now are buying from foreigners between about $50 and $100 billion more Mercedes and Toyotas, Paris fashions，and tours to Europe than the Boeing 747s， agriculture machinery , or Kansas wheat that the foreigners bought from America. The country could not produce and pay for all the things it wanted.

    To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings．It is high time for us American people to learn the basics of long-term money management.

1．According to the author,  what is a main reason for Americans to overspend？

   A. Americans buy a lot of foreign products．

   B. It is easy for Americans to manage their debts．

   C. Borrowing money has become a simple matter．

   D. Americans have more extra money than before．

2．Ford Motor Credit lengthens 45％of its lending to 60 months in order to_______．

   A. help more Americans to settle their debts

   B. encourage people to buy foreign cars

   C. make better use of its money

   D. attract more customers

3．What does the author suggest as a way to deal with overborrowing?

   A. Teaching people how to manage money．

   B. Advising people on what to buy．

   C. Limiting the use of credit cards．

   D. Reducing average incomes．

4．Which of the following points does the author wish to make?

   A. America should sell more of its products abroad．

   B. A healthy society has to learn to 1ive within its means．

   C. People’s income determines their money management．

   D. Government should prevent people from overborrowing．

3、Every person leaves a footprint. That’s what I learnt when I started to work as a private investigator 10 years ago．People pay restaurant bills with their bank card，check into hotels or travel around. In every case，they leave a trace．And because of this，I’m able to track them down even when they don’t want to be found．

The first thing I do when I want to find out where someone is staying is to go to the neighbourhood where he used to live．It’s human nature to tell stories—which is why neighbours will tell me all they know when I ring at their houses．Sometimes，someone even talks about his friend’s dishonesty．Then I produce a pattern of my subject’s life：if he likes to have a holiday in Spain or in Italy，if he prefers two- or three- star hotels and where he might hide his assets(資產(chǎn))．When I’ve got this life pattern，I start my research．

Nine times out of l0，I find the people I’m looking for．I once investigated a lorry supplier who owed ￡500,000 to a subcontractor(分包商)．The subcontractor wanted to find out if it was worth bringing charges against the supplier．I found out the supplier had moved assets to his son，who founded a new company offering the same product．It was a11 done within the law．There was no money to be got from that operation．

However, I asked the son if I could speak to his father and he told me that his parent was on a long holiday in Spain and wouldn’t be back for a while．It didn’t take me long to find out that the father wasn’t in Spain．

I went back to the son and this time he told me that his father might be in Bulgaria, and I found him doing winter sports in a beautiful mountain area．He was 1iving in a big house on a 1arge piece of land he had bought for ? 400，000．This was exactly the kind of asset my customer was looking for．

1．We learn from the text that a private investigator is one who_______.

    A．follows people reports on what they do

    B．helps people start businesses

    C．gives advice to people about the law

    D．settles arguments between companies

2．Why does the author visit the place where his subject used to stay？

    A．To find out hi hidden assets．

    B．To gather information about him．

    C．To discover why he is dishonest．

    D．To find out where he spends his holiday．

3．The lorry supplier moved his assets to his son in order to______．

    A．pass on his debt to his son

    B．double the business of his company

    C．le this son take over his lorry business

    D．prevent paying back the money he owed

4．We may infer from the text that the subcontractor might______.

    A．bring charges against the lorry supplier’s son

    B．give up hope of settling the debt

    C．sell the big house in Bulgaria

    D．get his money back

2、     此題要求改正所給短文中的錯誤。對標有題號的每一行作出判斷：如無錯誤，在該行右邊橫線上畫一個勾（√）；如有錯誤（每行只有一個錯誤），則按下列情況改正：

此行多一個詞：把多余的詞用斜線（╲）劃掉，在該行右邊橫線上寫出該詞，并也用斜線劃掉。

   此行缺一個詞：在缺詞處加一個漏字符號（∧），在該行右邊橫線上寫出該加的詞。 

   此行錯一個詞：在錯的詞下劃一橫線，在該行右邊橫線上寫出改正后的詞。

   注意：原行沒有錯的不要改。

Dear  Casey,                                                                                        

You asked in your last letter about my spare                                             

time activities. Well, I like much more than one,                                         1.__________

such as painting and model making, so my favorite                                    2.__________

is dancing. I started when I was eight year old,                                          3.__________

and it's great fun! Dancing was not difficult. If                                          4.__________

you want to do it good, you need to find a good                                        5.__________

dancing teacher and taking lessons regularly.                                             6.__________

That's I did and I also had to take exams every                                          7.__________

six months. Now, I've stopped go to lessons.                                            8.__________

I sometimes take part in performances at our                                            9.__________

school, that I really enjoy very much.                                                       10.__________

Regards,                                                                                               

                                   Minmin    

1、    假定你是李華，將去英國某學校短期學習，被安排住在Smith先生家。請你寫封短信與其取得聯(lián)系并詢問以下情況：

      1．住宿條件；

      2．膳食安排；

      3．交通情況。

注意： 1．詞數(shù)100左右；

   2．可以適當增加細節(jié)，以使行文連貫；

   3．開頭語已為你寫好。

Dear Mr Smith，

  I’m Li Hua from China, writing to ask about my stay with your family.                   

__________________________________________________________________________

____________________________________________________________________________

                                                           Yours，

                                                           Li Hua

33、找出與所給單詞劃線部分讀音相同的選項。語音知識

1champion       A. opinion      B. region       C. occasion      D. conclusion

2. mainly        A. mountainous  B. certain       C. captain       D. sail

3. wisdom       A. sunset        B. insect       C. possession     D. promise

4. volcano       A. location      B. dishonest     C. method       D. protection

5. scholarship    A. champion     B. dutchman    C. technique      D. church

32、-- I was wondering if we could go skiing on the weekend.

-- _______good.
A. Sound        B. Sounded     C. Sounding      D. Sounds

31、I had travelled only two hours one day _____ the winds increased so much that I had to put my tent up ____ the winds became too strong.

A. when; before    B. then; but      C. while; because    D. but; before

30、The biggest problem for most plants, which ________ just get up and run away when threatened, is that animals like to eat them.

A. shan’t        B. can’t               C. needn’t                    D. mustn’t

29、--- There is still a copy of the book in the library. Will you go and borrow        ?

---No, I’d rather buy         in the bookstore.

A .it; one        B. one; one            C. one; it                  D. it; it