Most Americans get what money they have from their work; that is, they earn an income from wages or salaries. The richest Americans, however, get most of their money from what they own — their stocks, bonds, real estate, and other forms of property, or wealth. Although there are few accurate statistics to go by, wealth in American society appears to be concentrated in very few hands. More than 20 percent of everything that can be privately owned is held by less than one percent of the adult population and more than 75 percent of all wealth is owned by 20 percent of American adults. The plain fact is that most Americans have no wealth at all aside from their homes, automobiles, and a small amount of savings.
Income in the United States is not as highly concentrated as wealth. In 1917 the richest 10 percent of American families received 26.1 percent of all income, while the poorest 10 percent received 17 percent, mainly from Social Security and other government payments. The most striking aspect of income distribution is that it has not changed significantly since the end of World War II. Although economic growth has roughly doubled real disposable (可自由使用的) family income (the money left after taxes and adjusted for inflation) over the last generation, the size of the shares given to the rich and the poor is about the same. By any measure economic inequality is great in the United States.
The reality behind these statistics is that a large number of Americans are poor. In 1918, 14 percent of the population was living below the federal government’s poverty line, which at that time was an annual income of $ 9 287 for a nonfarm family of two adults and two children. In other words, about one out of seven Americans over 31 million people was officially considered unable to buy the basic necessities of food, clothes, and shelter. The suggested poverty line in 1981 would have been an income of about $11 200 for a family of four. By this relative definition, about 20 percent of the population or more than 45 million Americans are poor.
1. What does the majority of the Americans have in terms of wealth?
A. Their income and savings.
B. Everything they own in their homes.
C. Actually, they have no wealth at all.
D. Their house, cars and small amounts of savings.
2. What is the percentage of wealth that is in the hands of most Americans?
A. More than 25%.               B. Less than 25%.
C. More than 75%.         D. Less than 20%.
3. Why is economic inequality still great in the US in spite of the economic growth?
A. Because the proportion of income received by the rich and the poor remains almost the same as in 1917.
B. Because the economic growth has widened the gap of the family income between the rich and the poor.
C. Because income in the US is still concentrated in the hands of the richest 10% of American families.
D. Because some Americans made great fortunes during the Second World War.
4. What can we learn from comparison of the two poverty lines in the last paragraph?
A. The poverty line of 1918 is more favorable to the poor than that of 1981.
B. The 1981 line didn’t leave much to the poor.
C. There were more Americans who were officially poor by the 1981 line.
D. There were more Americans who were officially poor by the 1918 line.
5. From the last two sentences we can see that 1981 government’s poverty line _______.
A. was of no good for the poor     B. was not put into operation then
C. was officially approved           D. was not helpful to the poor

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