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. |
第三部分：阅读理解（共15小题；每小题2分，满分30分）
阅读下列短文，从每题所给的四个选项（A、B、C和D）中，选出一个最佳选项。
A
Satellites are an important part of our ordinary lives．For example, the information for weather forecasts is sent by satellite．Some satellites have cameras which take photographs of the Earth to show how clouds are moving．Satellites are also used to connect our international phone calls．
Computer connections of the World Wide Web and Internet also use satellites. Many of our TV programs come to US through satellites．Airplane pilots also sometimes use a satellite to help them find their exact location．
We use satellites to send television pictures from one part of the world to another．They are usually 35，880 kilometers above the equator．Sometimes we can see a satellite in the sky and it seems to stay in the same place．This is because it is moving around the world at 11，000 kilometers an hour—exactly the same speed that the earth rotates．A satellite must orbit the Earth with its antennae(天线)facing the earth．Sometimes, it moves away from its orbit，So there are little rockets on it which are used to put the satellite back in the right position．This usually happens about every five or six days．
Space is not empty! Every week, more and more satellites are sent into space to orbit the Earth．A satellite usually works for about 10-12 years．Satellites which are broken are sometimes repaired by astronauts or sometimes brought back to Earth to be repaired．Often，very old or broken satellites are left in space to orbit the Earth for a very long time．This is very serious because some satellites use nuclear power and they can crash into each other．
56．Which of the following is NOT done by satellites according to the passage?
A．Sending information for weather forecast．
B．Taking photographs of the Earth．
C．Sending TV pictures．
D．Providing food for airplane pilots．
57．What’s the speed the earth rotates at?
A．35,880 kilometers per hour． B．335,880 kilometers per hour．
C．11,000 kilometers per hour． D．110,000 kilometers per hour
58．Why does the satellite move around the world at the same speed as the Earth rotates?
A．In order to take photographs．
B．In order to stay in a certain position in the orbit．
C．In order to move away from its orbit．
D．In order to send television pictures．
59．What does the underlined word “This” refer to?
A．A satellite．
B．A little rocket．
C．A satellite seems to stay in the same place in the sky．
D．The satellite puts the rockets in the right position．
60．Which is true of satellites?
A．A satellite usually works for about 10-2 years．
B．Every time a satellite gets broken，it is brought back to the Earth to be repaired．
C．A broken satellite is never left in space．
D．They often crash into each other．
D
Lex Kim English School Information Session Description
Lex Kim English School offers language improvement courses in reading, writing, grammar, and speech to students from Grades 3 to 11. All classes are conducted in English and class sizes are no larger than 10 students.
We are looking for full-time teachers and assistant teachers who’re interested in very organized self-starters. Our application process includes a phone interview, an in-person interview, and a sample teaching period. Additionally, all applicants must standards for the available positions:
Native English speakers with at least 15 years’ experience in teaching
A Bachelor’s degree or higher (preferably in education, English, or related fields)
Benefits
Teacher pay ranges from $26,000 to $45,000 depending on experience plus overtime pay and various performance-based prizes throughout the year free dinners, and other benefits.
Required documents:
The cover letter ( please indicate the position you are applying for )
The resume（个人简历）with your Date The recent photo of yourself or the copy of your passport
At least two references（推荐信）from your former employer
Contact
Please visit our website at www.lexkimjob.com for more information and visit http://lexkimjob.com/apply/main.php to submit（提交）your application.
53. According to the passage, Lex Kim English School _______.
A. only offers classes to the students in the morning
B. has students of all ages who are weak in English
C. is very strict about the application process
D. is badly in need of part-time English teachers
54. Who is the most likely to be hired by Lex Kim English School ?
A. A Frenchman with a Bachelor’s degree in education
B. An American with a Master’s degree in economics
C. A Korean with a Doctor’s degree who has worked in America for 18 years
D. An Englishman who has 16 years’ experience in teaching in a Canadian college
55. We can know from the passage that _______.
A. applicants must hand in their passports to the school
B. teachers of Lex Kim English School must use English to teach grammar
C. the more experienced applicants are, the higher pay they will get
D. applicants can go directly to the school to apply for the positions
C
Every once in a while, it is necessary to take a step back in order to take a long, hard look at where we are in our lives. At this point, it is good to ask yourself a bunch of critical questions. Have you so far accomplished all of your goals in life ? If so, you have not accomplished your goals in life, then perhaps you have made the mistake of setting too many goals or trying to accomplish them at an unnaturally fast pace.
It is necessary to set reasonable, intelligent goals in order to succeed in life. Do not be unrealistic because life is not a fairy tale. But you should try to recognize what you want,when attempting to visualize（形象化） or otherwise express what your goals in life are.
In order for a goal to sufficiently motivate you, it needs to be a major one. The bigger your goals are, then the more motivated you will need to be to work towards accomplishing them. If you want, you are a beginner, then no doubt mastering those tough songs is a very intelligent and realistic goal to set. But if that is your only goal as a pianist achieved. This is why it is necessary to constantly stop and re-evaluate our goals so that we are aware of what they are, and thus stay motivated.
49. From the passage, if your goals have all been achieved, you should then ______.
A. ask yourself some serious questions B. take a hard look at your success
C. set some other intelligent goals D. stretch yourself to relax
50. By saying “life is not a fairy tale”, the author suggests that you should ________ .
A. set as big a goal as possible B. try hard to realize your dream
C. make your goals practical D. abandon all your ambitions
51. To perform several Beethoven pieces well is a goal that _______.
A. is not suitable for the pianist B. is appropriate for a beginner
C. stops you from growing as a pianist D. is very easy to achieve
52. What is the best title for the passage ?
A. Set Intelligent Goals for Yourself B. Try to Accomplish Your Goals
C. Get Yourself More Motivated D. Goals Help You to Succeed
B
Home schooling offers other unforeseen advantages as well. One of these might be more available time. Home schooling can be an effective way to teach. The time you have during the day can be used resourcefully, in this manner reducing the overall time that the student in fact spends at school.
Home schooling allows the parent to develop into the main adviser and foundation of guidance for a child. This connection could be the basis of a higher degree of trust between the child and the parent where the child is more apt to come to the parent for help and direction as an alternative of turning somewhere else.
Home schooling can be an instrument for a special case where a child may have been a target of extreme harassment（侵扰）at a standard public school. way to re-focus on learning and makes the child be able to receive the close parental leadership.
It is a proven fact that home schooled students do well when it comes to college preparation. In addition, it is a fact that home schooled students can do as well as their public schooled peers in college.
Home schooling is not for every person. Each parent should cautiously assess . There are many considerations to be made when choosing home schooling, but for many, home schooling has been a preference that has proven to be very beneficial to the student’s exceptional education.
45. The passage mainly talks about _______.
A. how to carry out home schooling
B. the advantages of home schooling
C. home schooling and standard public schooling
D. parents’ preference for home schooling
46. A student trapped in school harassment may 
not _______.
A. focus his / her attention on learning
B. get along well with others
C. form a good habit of learning
D. form a tight connection with his / her teacher
47. The college and SAT assessments are referred in this passage to prove that _______.
A. the final results of home schooling are doubtful
B. public schooled students do better than home schooled students
C. home schooling is equal to or better than public schooling
D. home schooling may not be beneficial to every person
48. Which of the following may the writer agree with ?
A. Home schooling has more advantages than disadvantages
B. Parents should devote their time to home schooling
C. Home schooling is usually not as effective as expected
D. Many factors should be considered before choosing home schooling
第四节：阅读理解（共20小题，每小题2分，满分40分）
阅读下列短文,从每题所给的四个选项(A、B、C和D)中,选出最佳选项。
A
Science Daily -------- Dutch ecologist Roxina Soler and her colleagues have discovered that subterranean（地下的）and above ground herbivorous（食草的）insects can communicate with each other by using plants as telephones. Subterranean insects issue chemical warning signals through the leaves of the plant. Thus, aboveground insects are warned that the plant is already “ occupied”.
In recent years it has been discovered that different types of aboveground insects develop slowly if they feed on plants that also have subterranean residents and vice versa（反之亦然）. It seems that a system has developed through natural selection, which helps the subterranean and aboveground insects to communicate with each other. This avoids unnecessary competition.
Through the “green telephone lines”, subterranean insects can also communicate with a third party, namely caterpillars（毛虫）. Parasitic wasps（寄生的黄蜂）lay their eggs inside aboveground insects. The wasps also benefit from the signals sent by the leaves, The communication between subterranean and aboveground It is still not clear how widespread this phenomenon is.
This research was carried out at the Netherlands Institute for Ecology by Roxina Soler, Jeffrey Harvey, Martijn Bezemer, Wim van der Putten and Louise Vet. was funded by the Free Competition of NOW Earth and Life Sciences.
41. After finding a plant occupied by root-eating insects, aboveground insects will usually ________.
A. send out warning signals
B. choose to leave the plant
C. fight with the root-eating insects
D. compete with them for the same plant
42. Aboveground insects will develop more quickly if their food plants _______.
A. have more green leaves
B. get more water and sunlight
C. are often visited by parasitic wasps
D. are not occupied by root-eating insects
43. The underlined part “a third party” in Paragraph 4 refers to ______.
A. caterpillars B. root-eating insects
C. parasitic wasps D. aboveground insects
44. What is the best title for the passage ?
A. Insects use plants as “telephones”
B. How do animals avoid competition
C. The living habit of different insects
D. Communication between different insects