Parents need to be good role models to help their children make sensible financial decisions, according to Adam Hancock and his team, from East Caronlina University in the US. Their work highlights that parents who argue about finances contribute to increasing credit card debt among their children during their students years. Their work is published online in Springer's Journal of Family and Economic Issues.
Credit card debt among college students has been a growing concern for researchers and policymakers over the last decade. In addition, there is growing concern among educators that more students are dropping out of school, not because of academic failure, but because of financial reasons, and credit card especially.
Hancock and colleagues' study is the first to examine how parental interactions, and financial knowledge and attitudes may have a cumulative effect (累积效应) on the number of credit cards students own and their level of credit card debt.
The researchers analyzed data for 420 undergraduate students from seven different American universities, who took part in the College Student Financial Literacy Survey. According to the online survey, nearly two-thirds of students had a credit card, and nearly a third had more than one. Those students who reported that their parents argued about finances were more likely to have more than two cards than the students whose parents who did not argue about finances.
In terms of debt, those students who had two or more credit cards were nearly three times more likely to report having credit card debt over $500.
The researchers conclude, "It is clear that the influence of parents cannot be neglected. Researchers, educators and policymakers should work in finding effective ways to increase the positive financial behaviors for college students. We need to help students learn financial skills and establish healthy financial attitudes at earlier ages to prevent poor financial habits from taking root.In Adam Hancock's research, student's credit card debt is related to their __________.
| A．knowledge | B．concerns | C．school | D．parents |
When college students have credit card debt, they may __________.
| A．quit school |
| B．fail in their exams |
| C．study financial knowledge |
| D．have more credit cards |
What can we infer from Paragraph 3?
| A．More than 400 students in a university took the survey. |
| B．The survey was conducted with the paper questionnaire. |
| C．Nearly all the students in this survey have credit cards. |
| D．Students have fewer cards if their parents argue more. |
If you have two or more credit cards, you are more likely to __________.
| A．get wealthy | B．have argument |
| C．buy more things | D．become in debt |
As a student, what can you learn from the passage?
| A．We need to turn to our parents when we have credit card debt. |
| B．We should build correct financial attitudes when we are young. |
| C．We shouldn't have credit cards so that we can avoid argument. |
| D．We can have more credit cards to make life more comfortable. |
Knowing the best way to study will help you to be a better student. By using your time properly, you can do your homework more quickly. Learning to study is not difficult.
The first thing to remember is that you must be willing to learn. It doesn’t mean that you must always like the subject. It does mean, however, that you must be willing to do whatever is necessary to learn. Try to understand why it is important and how it will help you now and later to do and learn other things. Knowing mathematics facts will be useful in your whole life. Knowing how to spell makes any kind of writing easier. Sometimes subject that you think is going to be uninteresting will be exciting when you begin to work at it and understand it more clearly. Learning things can be fun if you are willing to work with them.
Here’s some advice for you: have a certain time each day and a quiet place with good lighting for study, so that you can concentrate on your study without interruptions; have everything ready before you sit down to study, a dictionary, paper, a pen and books; be sure you understand what you should learn before you start; read carefully and pay special attention to the most important things; when memorizing, first find out the main parts and then recite the whole thing; check your homework after you finish it; never forget the importance of review and preview.The main purpose of the article is____________
| A．to prove that learning is not difficult |
| B．to make the readers be interested in study |
| C．to tell the importance of self teaching |
| D．to tell the students how to study well |
The first thing to remember in studying is that____________
| A．you must like the subject |
| B．you must follow the teacher |
| C．you must enjoy learning |
| D．you must study hard |
We learn things because______________
| A．our parents want us to learn |
| B．every student learns at school |
| C．we may use them in the future |
| D．we like the subjects |
Which of the following is NOT the advice given in the article?
| A．To put a pen, paper and books beside you before study. |
| B．To study at any possible time and place. |
| C．To review and preview. |
| D．To pay attention to the most important things. |
Trip 1 Black Bear Count
There have been fires in this area in the last few years and the Office of the National Park is not sure how many black bears are still living. Some bears have been seen since the fires, and the Office has asked for young people to help count them. The entire trip will last three hours. Bookings are necessary.
Cost: Free When: May 8
Trip 2 Garland Valley
Bring your drink and lunch for this walk in a beautiful area of the Blue Mountains. Garland Valley is close to the town of Garland but is part of the National Park. Many wild animals live in this area, including many rare birds. This is a great walk for bird-lovers. The trip lasts four hours. Bookings are necessary.
Cost: $ 15 When: May 8, May 15
Trip 3 Flashlight Adventure
Put on your warm clothes, bring a flashlight and a pair of glasses, and come for a night walk along the Dungog Valley. A guide will lead the tour. Many of the animals you will see on this trip can only be seen at night. The guide will tell you about the lives of the animals you see. Numbers are strictly limited on night trips, so be sure to book early. This walk lasts two and a half hours.
Cost: $ 12 When: May 8, May 15, May22
Equipment to be needed:
Please bring enough water and food for all walks.
Wear good walking shoes--no high heels.
Wear a hat for day walks.
Dress warmly for night walks.
Children must be with an adult.
Make sure your flashlight works well and bring extra batteries for night walks.
Follow all instructions from guides during the walks. The mountains are a dangerous place.
Bookings:
Bookings for the above trips can be traded by telephone (893--4847) or on the Internet at www. Bluemountaintour.com.Where are these trips?
| A．In a large city. |
| B．In a park in the mountains. |
| C．In a special kind of zoo. |
| D．In three different countries. |
On which trip(s) had you better wear a hat?
| A．Trip 1 | B．Trip 2 |
| C．Trip 1&2 | D．Trip 3 |
On which trip might you see animals that sleep during the day?
| A．Black Bear Count. | B．Garland Valley. |
| C．Flashlight Adventure. | D．None of the trips. |
Which of the following is not necessary for the three trips?
| A．Good walking shoes. | B．A pair of glasses. |
| C．Food and water. | D．A sleeping-bag. |
Which is probably the best title for the passage?
| A．Discovery Trips in the Blue Mountains |
| B．Hunting around the Great Mountains |
| C．Interesting Trips in the East of the USA |
| D．Adventure Travel in America |
Did you ever notice that when you’re fat, men don’t look you in the eye? They look across your shoulder. There’s no eye contact.
My name is Leslie. I am a real person. Up until two years ago, I was never looked in the eye by anyone.
I was too tired to be a lover to my husband. I was falling asleep by 8 o’clock most evenings. When I did go out for an evening. my husband was ashamed of me. And he said so to my face. When I walked, my thighs scrape together. I couldn’t even cross my legs. I was fat. Not just “overweight”. Fat! I was 5’55”tall and weighed 205 pounds.
About 18 months ago, my husband Darrell left a “Dear Leslie”letter on my bed and asked for divorce.
I went to a psychologist for advice. I knew that my weight was the source of my troubles. But I’d tried 14 different diets, at which I failed one by one.
He listened carefully and recommended an entirely different program. This was not a “diet.”It was a unique new weight-loss program researched by a team of specialists who help to treat the severely fat. I entered the program. Within the first four days, I lost only three pounds. So I was disappointed. But during the three weeks that followed, my weight began to drop from 205 pounds to 124 pounds. To me it was a miracle.
The reason why the program worked was simple. I was always eating. I could eat six times every day. I could snack in the afternoon. Snack before dinner. I could even have snack at night while watching TV.
How can you eat so much and still lose weight?
The secret is in the combination of foods, approved by the research team, which you eat in each 24 hour period. You will enjoy a variety of meats, chicken, fish, vegetables, potatoes, sauces. Even some light wine or beer if you wish. But be sure to have them in the right proportion（比例）, thus a complete 24-hour fat-reduction cycle is formed.
Without hunger, without nervousness, it lets you lose pounds so easily. Once you lose the weight, youll keep it off. Forever, I am sure of that.Leslie.
| A．had never looked anybody in their eyes. |
| B．had difficulties in walking because she was too fat. |
| C．was disliked by her husband because she went to bed too early each evening. |
| D．was often embarrassed because she was overweight for her height. |
Leslie went to psychologist for advice in order to .
| A．lose her weight. | B．recover her marriage |
| C．get a vegetarian diet | D．become an advisor |
The weight-loss program worked very well. The reason is that ___.
| A．Leslie ate very little food and sometimes even fast food. |
| B．Leslie only had snacks and never had dinners. |
| C．Leslie could have rich food several times a day in the right proportion. |
| D．Leslie had rich food whenever she felt hungry. |
Where do you think this article is most likely to appear?
| A．Daily newspaper. | B．Women’s magazine. |
| C．A part of a novel. | D．Newsweek magazine. |
I went online to check if my pay was in my bank account. To my amazement I discovered that not only had I been paid, a company I’d never worked for had also paid me! I knew I’d have been beside myself if my own salary was not in my account, so I tried to get the money back to the right person. Easier said than done.
The bank couldn’t help as it wasn’t a bank problem. The human resources department at the company that paid me was unable to help as I didn’t have enough details. I rang the bank again. Thankfully I had a sympathetic call operator who gave me a name, so I again rang the company “Daniel”worked for.
I expected the bank would contact me to arrange to take the money from my account and repay Daniel. I heard nothing for a month and the money remained in my account when Daniel called, explaining he’d tried to get back his money but had been unsuccessful as neither the bank nor his company felt it was their error. He had rung to ask if I could speak to the bank, but after chatting for a few minutes we realized we could probably fix this problem ourselves.
We decided I would take the money from my account and he would pick it up from me. Due to my busy job I was unable to meet Daniel personally but he left me a lovely bottle of wine in exchange for what was rightfully his. I never had any intention of keeping Daniel’s pay but red tape(繁琐手续) made it difficult to do the right thing. It all came down to two people being able to do what a huge bank and a large company couldn’t do--admit a mistake has occurred and fix it.What was the attitude of the author towards the extra money in his bank account?
| A．He didn’t know what to do with it. |
| B．He felt lucky to get it. |
| C．He thought of keeping it for himself. |
| D．He wanted to return it to the right person. |
The underlined phrase beside myself(inParagraph1) probably means___________.
| A．very fortunate | B．very angry |
| C．really thankful | D．at ease |
How was the problem solved in the end?
| A．The author and Daniel solved the problem themselves. |
| B．It cost Daniel a lovely bottle of wine to get back his money. |
| C．The author gave the money back to the company. |
| D．The call operator offered to solve their problem. |
From the passage we can infer that___________.
| A．the bank could solve the problem soon and easily with the red tape |
| B．some large organizations usually have troublesome official rules |
| C．Daniel didn’t know the error before he contacted the author |
| D．the company gave the wrong account to the bank |
In the summer of 1980 a Spanish tourist, Gaspar Carner, went to Great Britain on holiday. When he was travelling in Scotland, he decided to visit Loch Ness, the famous lake where people say there is a monster. But while he was going across the lake in a boat, his bag fell into the water. In the bag were his passport, car keys, pen, and all his money. Loch Ness is 150 metres deep, so he didn't expect to see the bag again!
Fourteen years later, in 1994, some scientists decided to explore the lake. They looked for the Loch Ness monster. Suddenly one of them saw something black in the water. They carefully went nearer. They thought the black thing was the monster. They went nearer and nearer. It was a bag. They took the bag out of the lake. They found that the photo on the passport was still clear. One of the scientists happened to be familiar with Gaspar Carner. So the bag was returned to him.The reason why the lake is famous is that __________.
| A．it's very deep | B．there may be a monster |
| C．there's a bag in it | D．it's in Scotland |
What's in Carner's bag?
| A．A monster. | B．Many useful things. |
| C．Something black. | D．Some photos. |
How did the explorers know the bag was Carner's?
| A．Carner recognized the bag |
| B．They expected it was the monster |
| C．Carner was very famous |
| D．One of the explorers knew Carner |