A study involving 8,500 teenagers from all social backgrounds found that most of them are ignorant when it comes to money. The findings, the first in a series of reports from NatWest that has started a five-year research project into teenagers and money, arc particularly worrying as this generation of young people is likely to be burdened with greater debts man any before.
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the research, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they arc to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
1. Which of the following can be found from the five-year research project?
A. Students understand personal finances differently.
B. University tuition fees in England have been rising.
C. Teenagers tend to overestimate their future earnings.
D. The students' payback ability has become a major issue.
2. The phrase "to raise the ceiling" in paragraph 2 probably means "______".
A. to raise the student loans B. to improve the school facilities
C. to increase the upper limit of the tuition D. to lift the school building roofs
3. According to Stephen Moir, students_______.
A. are too young 10 be exposed 10 financial issues
B. should learn 10 manage their finances well
C- should maintain a positive attitude when facing loans
D. benefit a lot from lessons on personal finance
4. What can we learn from the passage?
A. Many British teenagers do not know money matters well
B. Teenagers in Britain are heavily burdened with debts.
C. Financial planning is a required course at college.
D. Young people should become responsible adults.
It had been some time since Jack had seen the old man. College, carrier, and life itself got in the way. In fact, Jack moved clear across the country in pursuit of the dreams. There, in the rush of his busy life, Jack had little time to think about the past and often no time to spend with his wife and son. He was working on his future, and nothing could stop him.
Over the phone, his mother told him, “Mr. Belser died last night. The funeral is Wednesday.” Memories fleshed through his mind like an old newsreel as he sat quietly remembering his childhood days.
“Jack, did you hear me?”
“Oh, sorry, Mom. Yes, I heard you. it’s been so long since I thought of him. I’m sorry, but I honestly thought he died years ago,” Jack said.
“Well, he didn’t forget you. Every time I saw him he’d ask how you were doing. He’d reminisce (回忆) about the many days you spent over ‘his side of the fence’ as he put it, ” Mom told him.
“I loved that old house he lived in,” Jack said.
“You know, Jack, after your father died, Mr. Belser stepped in to make sure you had a man’s influence in your life,” she said.
“He’s the one who taught me carpentry. I wouldn’t be in this business if it weren’t for him. He spent a lot of time teaching me things he thought were important. Mom, I’ll be there for the funeral.” Jack said.
Busy as he was, he kept his word. Jack caught the next flight to his hometown. Mr. Belser’s funeral was small and uneventful. He had no children of his own, and most of his relatives had passed away.
The night before he had to return home, Jack and his Mom stopped by to see the old house next door one more time, which was exactly as he remembered. Every step held memories. Every picture, every piece of furniture … Jack stopped suddenly.
“What’s wrong, Jack?” his Mom asked.
“The box is gone,” he said.
“What box?” Mom asked.
“There was a small gold box that he kept locked on top of his desk. I must have asked him a thousand times what was inside. All he’d ever tell me was ‘the thing I value most’,” Jack said.
It was gone. Everything about the house was exactly how Jack remembered it, except for the box. He figured someone from the Belser family had taken it.
“Now I’ll never know what was so valuable to him,” Jack said sadly.
Returning to his office the next day, he found a package on his desk. The return address caught his attention.
“Mr. Harold Belser” it read.
Jack tore open the package. There inside was the gold box and an envelope. Jack’s hands shook as he read the note inside,
“Upon my death, please forward this box and its contents to Jack Bernett. It’s the thing I valued most in my life.” A small key was taped to the letter. His heart racing, and tears filling his eyes. Jack carefully unlocked the box. There inside he found a beautiful gold pocket watch. Running his fingers slowly over the fine cover, he opened it.
Inside he found these words carved: “Jack. Thanks for your time! Harold Belser.”
“Oh. My God! This is the thing he valued most …”
Jack held the watch for a few minutes, then called his assistant and cleared his appointments for the next two days. “Why?” his assistant asked.
“I need some time to spend with my son,” he said.
46. Why did Jack think Mr. Belser died years ago?
A. College and career prevented him from remembering Mr. Belser.
B. Jack was too busy with his business and family to think about Mr. Belser.
C. Jack was too busy realizing his dreams to think about Mr. Belser.
D. His present busy life washed away his children memories.
47. Jack’s mother told him on the phone about Mr. Belser EXCEPT that _________.
A. Mr. Belser often asked how Jack was doing
B. Mr. Belser’s funeral would take place on Wednesday
C. Mr. Belser had asked for Jack’s mailing address
D. Mr. Belser had pleasant memories of their time together
48. Why did Belser send Jack his gold watch?
A. Because he was grateful for Jack’s time with him.
B. Because he had no children or relatives.
C. Because he thought he had to keep his word.
D. Because Jack had always wanted it during his childhood.
49. Why did Jack say he needed some time to spend with his son?
A. He was very tired of his work and wanted to have a good rest.
B. He had promised to spare more time to stay with his son.
C. He had missed his son and his family for days.
D. He came to realize the importance of the time with his family.
50. Which of the following is the most suitable title for this passage?
A. The Good Old Times B. What He Valued Most
C. An Old Gold Watch D. The Lost Childhood Days
As the pace of life continues to increase, we are fast losing the art of relaxation. Once you are in the habit of rushing through life, being on the go from morning till night, it is hard to slow down. But relaxation is essential for a healthy mind and body.
Stress is a natural part of everyday life and there is no way to avoid it. In fact, it is not the bad thing it is often supposed to be. A certain amount of stress is vital to provide motivation and give purpose to life. It is only when the stress gets out of control that it can lead to poor performance and ill health.
The amount of stress a person can withstand depends very much on the individual. Some people are not afraid of stress, and such characters are obviously prime material for managerial responsibilities, others lose heart at the first sign of unusual difficulties. When exposed to stress, in whatever form, we react both chemically and physically. In fact we make choice between "flightorfight" and in more primitive days the choices made the difference between lifeordeath. The crises we meet today are unlikely to be so extreme, but however little the stress, it involves the same response. It is when such a reaction lasts long, through continued exposure to stress, that health becomes endangered. Since we can't remove stress from our lives (it would be unwise to do so even if we could), we need to find ways to deal with it.
46. People are finding less and less time for relaxing themselves because _____.
A. they regard working as their greatest enjoyment
B. they believe that work is superior to relaxation
C. they are traveling fast all the time
D. they are becoming busier with their work than ever before
47. According to the author, the most important character for a good manager is his _____.
A. strong will to hold out stress
B. knowing the art of relaxation
C. high sense of responsibility
D. having control over performance
48. Which of the following statements is TRUE, according to the passage?
A. We can find quite a few ways to avoid stress.
B. Stress is always harmful to people's health
C. It's easy to change the habit of keeping oneself busy with work.
D. Different people can bear different amount of stress.
49. In the last sentence of the passage, "do so" refers to _____.
A. "expose ourselves to stress"
B. "find ways to deal with stress"
C. "remove stress from our lives"
D. "establish links between diseases and stress"
50. According to the author, the right attitude toward stress is _____.
A. to avoid it B. to try to cope with it
C. to regard it as a vital motivationD. to find some relaxation
A child who has once been pleased with a tale likes, as a rule, to have it retold in almost the same words, but this should not lead parents to treat printed fairy stories as formal texts. It is always much better to tell a story than read it out of a book, and, if a parent can produce what, in the actual situation of the time and the child, is an improvement on the printed text, so much the better.
A charge made against fairy tales is that they harm the child by frightening him or making him sad thinking. To prove the latter, one would have to show in a controlled experiment that children who have read fairy stories were more often sorry for cruelty than those who had not. As to fears, there are, I think, some cases of children being dangerously terrified by some fairy story. Often, however, this arises(出现) from the child having heard the story once. Familiarity with the story by repetition turns the pain of fear into the pleasure of a fear faced and mastered.
There are also people who object to fairy stories on the grounds that they are not objectively true, that giants, witches, two-headed dragons, magic carpets, etc. do not exist; and that, instead of being fond of the strange side in fairy tales, the child should be taught to learn the reality by studying history. I find such people, I must say so peculiar(奇怪的) that I do not know how to argue with them. If their case were sound, the world should be full of mad men attempting to fly from New York to Philadelphia on a stick or covering a telephone with kisses in the belief that it was their beloved girl-friend.
No fairy story ever declared to be a description of the real world and no clever child has ever believed that it was.
41. The author considers that a fairy story is more effective when it is _______.
A. repeated without any change B. treated as a joke
C. made some changes by the parent D. set in the present
42. According to the passage, great fear can take place in a child when the story is _______.
A. in a realistic setting B. heard for the first time
C. repeated too often D. told in a different way
43. The advantage claimed(提出) for repeating fairy stories to young children is that it _______.
A. makes them less fearful
B. develops their power of memory
C. makes them believe there is nothing to be afraid of
D. encourages them not to have strange beliefs
44. The author’s mention of sticks and telephones is meant to suggest that _______.
A. fairy stories are still being made up
B. there is some misunderstanding about fairy tales
C. people try to modernize old fairy stories
D. there is more concern for children's fears nowadays
45. One of the reasons why some people are not in favor of fairy tales is that _______.
A. they are full of imagination
B. they just make up the stories which are far from the truth
C. they are not interesting
D. they make teachers of history difficult to teach
Someday a stranger will read your e-mail without your permission or scan the Website you've visited，Or perhaps someone will casually glance through your credit card purchases or cell phone bills to find out your shopping preferences or calling habits.
In fact, it's likely that some of these things have already happened to you. Who would watch you without your permission? It might be a spouse, a girl friend, a marketing company, a boss, a cop or a criminal. Whoever it is, they will see you in a way you never intended to be seen ---- the 21st century replacement of being caught naked.
Psychologists tell us boundaries are healthy, that it's important to reveal yourself to friends, family and lovers in stages, at appropriate times. But few boundaries remain. The digital bread crumbs(碎屑) you leave everywhere make it easy for strangers to reconstruct who you are, where you are and what you like. In some cases, a simple Google search can reveal what you think. Like it or not, increasingly we live in a world where you simply cannot keep a secret.
The key question is: Does that matter?
For many Americans, the answer apparently is "no."
When opinion polls ask Americans about privacy, most say they are concerned about losing it. A survey found a strong bad feeling about privacy, with 60 percent of respondents saying they feel their privacy is "slipping away, and that bothers me."
But people say one thing and do another. Only a tiny part of Americans change any behaviors in an effort to preserve their privacy. Few people turn down a discount at tollbooths(收费站) to avoid using the EZ-Pass system that can track automobile movements. And few turn down supermarket loyalty cards. Privacy economist Alessandro Acquisti has run a series oftests that reveal people will give away personal information like Social Security numbers just to get their hands on a pitiful 50-cents-off coupon(优惠卷)。
But privacy does matter ---- at least sometimes. It's like health: When you have it, you don't notice it. Only when it's gone do you wish you'd done more to protect it.
51. What does the author mean by saying "the 21st century replacement of being caught naked"?
A. People's personal information is easily accessed without their knowledge.
B. In the 21st century people try every means to look into others' secrets.
C. People tend to be more frank with each other in the information age.
D. Criminals are easily caught on the spot with advanced technology.
52.What would psychologists advise on the relationships between friends?
A. Friends should open their hearts to each other.
B. Friends should always be faithful to each other.
C. There should be a distance even between friends.
D. There should be fewer arguments between friends.
53. Why does the author say "we live in a world where you simply cannot keep a secret"？
A. Modern society has finally developed into an open society.
B. People leave traces around when using modern technology.
C. There are always people who are curious about others' affairs.
D. Many search engines benefit from giving away people's identities.
54. What do most Americans do as for privacy protection?
A. They change behaviors that might disclose their identity.
B. They use various loyalty cards for business transactions(交易)..
C. They rely most and more on electronic devices.
D. They talk a lot but hardly do anything about it.
55. According to the passage, privacy is like health because ___.
A. people will make every effort to keep it.
B. its importance is rarely understood
C. it is something that can easily be lost
D. people don't treasure it until they lose it
Jim suffered heart problems. In conversation he expressed little joy and it seemed that his life was drawing to a close.
When his heart problems led to operation, Jim went through it successfully, and a full recovery was expected. Within days, however, his heart was not beating properly. Jim was rushed back to operation, but nothing was found to explain the cause of his illness. He died on the operating table on the day before his 48th birthday.
Dr. Bruce Smoller, a psychologist, had had many conversations with him, and the more he learned, the stranger he realized Jim's case was. When Jim was a child, his father, a teacher, suffered a heart attack and stayed home to recover. One morning Jim asked his father to look over his homework, promising to come home from school at noon to pick it up. His father agreed, but when Jim returned his father had died. Jim's father was 48.
“I think all his life Jim believed he killed his father,” Dr. Smoller says. “He felt that if he had not asked him to look at his homework, his father would have lived. Jim had been troubled by the idea. The operation was the trial he had expected for forty years. “ Smoller believes that Jim willed himself not to live to the age of 48.
Jim's case shows the powerful role that attitude plays in physical health, and that childhood experiences produce far-reaching effect on the health of grown-ups. Although most cases are less direct than Jim's, studies show that childhood events, besides genes, may well cause such midlife diseases as cancer, heart disease and mental illness.
41. Jim was sent back to operation because ________.
A. his heart didn't work well B. he expected a full recovery
C. his life was drawing to a close
D. the first one wasn't well performed
42. What made Dr. Smoller feel strange about Jim's case?
A. Jim died at a young age.
B. Jim died on the operating table.
C. Both Jim and his father died of the same disease.
D. Jim's death is closely connected with his father's.
43. From Smoller's words, we can infer that ________.
A. Jim's father cared little about his study
B. Smoller agreed that Jim did kill his father
C. Jim thought he would be punished some day
D. Smoller believed Jim wouldn't live to the age of 48
44. Which of the following could have strong effect on one's physical health according to the text?
a. One’s genes. b. One’s life in childhood.
c. One’s physical education. d. The date of one’s birthday.
e. The opinions one has about something.
A. a, b, d B. a, b, e C. a, c, e D. b, c, d
45. Which of the following is true?
A. Both Jim and his father died at the age of 48.
B. Jim often asked his father to do his homework.
C. Jim was believed to kill his father.
D. Most childhood events can cause cancer, heart disease and mental illness.