The moment a college student arrives on campus, he or she is bombarded with credit card offers. Advertisements for student credit cards are everywhere: in bags at the bookstore, in the campus newspaper, in your regular mailbox, in the residence halls.
With so many college students graduating with large amounts of credit card debt (figures vary, but most are at least in the thousands), learning how to manage a student credit card can be an important lesson for any student. While using a card wisely can be an important part of building credit and making it through a difficult time, knowing how to use a card wisely can be the hard part.
Stick to the following rules when, and if, you need to use a credit card:
You can repay the charge(s) within the card’s next billing cycle.
You must meet your basic needs, like food, clothing and shelter, but set rules and be aware that you will need to repay those charges at the end of the month.
You can talk to the financial aid office in your school for an alternative in “emergency” situations.
If you do want a credit card, just be smart about it. (They let you in to that school because of your brain, right?) Don’t automatically get the first one you find. Shop around for a card that has the lowest interest rate possible, and consider places that may not be advertising on campus. Additionally, be aware of any card’s repayment options: When will payments be due? How much will they be? A credit card is not like a loan that comes with a grace period(宽限期)after you graduate and waits until you are done with school. That new sweater and nice dinner out will need to be paid back right away.What does the underlined phrase in Paragraph 1 mean?
| A．Be confused by. | B．Be terribly hurt by. |
| C．Be attracted by. | D．Be surrounded by. |
Which of the following statements is TRUE?
| A．A college freshman should be careful when choosing a credit card. |
| B．Students should take a lesson about how to use a credit card wisely. |
| C．A credit card will be the only help for students in emergency situations. |
| D．The author doesn’t appreciate the idea of having a credit card on campus. |
What’s the best tittle for this passage?
| A．Economic Tips for College Students |
| B．Dos and Don’ts in Using Student Credit Cards |
| C．Mistakes about Student Credit Cards Use in College |
| D．Student Credit Cards –– What You Need to Know |
If this is a passage of a college newspaper, in which column can we read it?
| A．Entertainment. | B．Advertisement. |
| C．Economy. | D．Education. |
I still remember my first day at school in London and I was half-excited and half-frightened. On my way to school I wondered what sort of questions the other boys would ask me and practiced all the answers: “I am nine years old. I was born here but I haven’t lived here since I was two. I was living in Farley. It’s about thirty miles away. I came back to London two months ago.” I also wondered if it was the custom for boys to fight strangers like me, but I was tall for my age. I hoped they would decide not to risk it.
No one took any notice of me before school. I stood in the center of the playground, expecting someone to say “hello”, but no one spoke to me. When a teacher called my name and told me where my classroom was, one or two boys looked at me but that was all.
My teacher was called Mr. Jones. There were 42 boys in the class, so I didn’t stand out there, either, until the first lesson of the afternoon. Mr. Jones was very fond of Charles Dickens and he had decided to read aloud to us from David Copperfield, but first he asked several boys if they knew Dickens’ birthplace, but no one guessed right. A boy called Brian, the biggest in the class, said: “Timbuktu”, and Mr. Jones went red in the face. Then he asked me. I said: “Portsmouth”, and everyone stared at me because Mr. Jones said I was right. This didn’t make me very popular, of course.
“He thinks he’s clever,” I heard Brian say.
After that, we went out to the playground to play football. I was in Brian’s team, and he obviously had Dickens in mind because he told me to go in goal. No one ever wanted to be the goalkeeper.
“He’s big enough and useless enough.” Brian said when someone asked him why he had chosen me.
I suppose Mr. Jones, who served as the judge, remembered Dickens, too, because when the game was nearly over, Brian pushed one of the players on the other team, and he gave them a penalty (惩罚). As the boy kicked the ball to my right, I threw myself down instinctively (本能地) and saved it. All my team crowded round me. My bare knees were injured and bleeding. Brian took out a handkerchief and offered it to me.
“Do you want to join my gang (帮派)?” he said.
At the end of the day, I was no longer a stranger.The writer prepared to answer all of the following questions EXCEPT “ ”.
| A．How old are you? |
| B．Where are you from? |
| C．Do you want to join my gang? |
| D．When did you come back to London? |
We can learn from the passage that .
| A．boys were usually unfriendly to new students |
| B．the writer was not greeted as he expected |
| C．Brian praised the writer for his cleverness |
| D．the writer was glad to be a goalkeeper |
The underlined part “I didn’t stand out” in paragraph 3 means that the writer was not .
| A．noticeable | B．welcome | C．important | D．foolish |
The writer was offered a handkerchief because .
| A．he threw himself down and saved the goal |
| B．he pushed a player on the other team |
| C．he was beginning to be accepted |
| D．he was no longer a newcomer |
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 stuady 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 a 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(集中)on your study without interruptions(中断，打断)；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(记忆), first find out the main parts and then recite(背诵)the whole thing；check your homework after you finish it：never forget the importance of review and preview．The main idea of the text 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 enioy learning |
| D．you must study hard |
What does the underlined word“preview”mean?
| A．To go over． |
| B．To review again． |
| C．To view in advance． |
| D．To discuss． |
Which of the following is NOT the advice given in the text?
| 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。 |
Due to climate change, Arctic ice is breaking up earlier in the spring, and its area is decreasing. This is creating problems for polar bears that make their homes off northern Alaska and in Hudson Bay.
Polar bears off Alaska normally hunt and raise their young on ice sheets that float on the ocean. But as the ice has melted, the polar bears have been forced to spend more time on land. There, they have begun to frequent beaches, feeding on the remains of whales caught by native hunters. For polar bears, this food is less nutritious than seals that they normally catch on ice sheets. The shrinking（减少） ice has also forced more polar bears into the ocean. In the past, they only had to swim short distances between ice sheets. But as the ice has shrunk, polar bears have been forced to swim longer and longer distances in the open ocean. This poses a severe danger during rough weather, and an increasing number of drowned polar bears have been observed.
In Hudson Bay, the ice breaks up three weeks earlier in the spring now than it did 20 years ago. Polar bears on Hudson Bay fast（绝食） during the summer, waiting for ice to form in the fall to hunt. Every year, the summer gets longer, and the bears get skinnier. Over the past 25 years, the average weight of the female bears has dropped 68 kg. This loss affects their ability to reproduce, and already the number of births has dropped 15 percent. Unless the bears can learn to survive these climate changes, these giants of the ice may one day disappear.What is Arctic ice doing earlier each year?
| A．It’s freezing. | B．It’s hardening. |
| C．It’s melting. | D．It’s expanding. |
What is true of polar bears that are spending more time on land in Alaska?
| A．Their young are dying. |
| B．Their diet is changing. |
| C．Their health is improving. |
| D．Their families are growing. |
What do polar bears in Hudson Bay do during the summer?
| A．They claim territory(地域). | B．They protect mates. |
| C．They hunt animals. | D．They stop feeding |
In which publication would you most likely find this passage?
| A．Medical News | B．Society Today | C．Wildlife Journal | D．Design Magazine |
Donald had his own difficulties in sleeping that night. Not just because of the bright lights of the shelter or people’s constant voices, it was the happening repeatedly nightmare that caused him to stay awake, to fear sleep. Donald was back in his small house. He did his best to ignore the howling winds outside his window. Yet he could not turn out the fearful whimpers (呜咽) of his little dog, or the uncomfortable sounds of his mother anxious in her room next door, unable to sleep through the storm despite her insistence they would be all right.
Donald did not want his mother to be upset, but on some level, he was glad to hear she was awake, It meant he was not alone in the dark. Though he was 12, until recently it was impossible for Donald to fall asleep unless his mother lay down by his side.
Suddenly there was a crash. Their living room window is shattered (打碎) by 125 miles an hour winds. Troy rushed to Donald and sat anxiously on the edge of his bed. He did his best to calm his mother, and she had to comfort him. Soon water was seeping (渗入) into the single floor house. Quickly it rose from ankle level to leg level. At Donald’s insistence, they pushed their way through the water --- now chest high --- toward the front door. When they fought their way into the living room, water rose to their chins.
It was a struggle for the boy and mother to stay afloat. In a total panic, desperate to hold on to something, Troy caught a curtain rod. She was breathing hard, shouting that she couldn’t swim.
Donald cried out, “Mom! Hold on!” Just then Donald also caught a floatable wood board.The passage is mainly about _____.
| A．how a storm happened and caused damage |
| B．how a mother and son experienced a storm |
| C．how a mother and son survived a storm |
| D．how a son helped his mother in a storm |
Which of the following is NOT mentioned in the story?
| A．The rising water. | B．The broken window. |
| C．The lucky dog. | D．The noisy environment. |
Which phrase can describe Troy’s feelings at the beginning of the storm most suitably?
| A．In excitement. | B．In calm. | C．In anxiety. | D．In despair. |
What will the author most probably talk about next?
| A．How the other people struggled in the storm. |
| B．Why the rainstorm happened. |
| C．What damage the rainstorm caused. |
| D．How Donald and Troy struggled to save themselves |
Recently a Beijing father sent in a question at an Internet forum (论坛) asking what "PK" meant. "My family has been watching the 'Super Girl' singing competition TV program . My little daughter asked me what 'PK' meant, but I had no idea," explained the puzzled father.
To a lot of Chinese young people who have been playing games online, it is impossible not to know this term. In such Internet games, "PK" is short for "Player Kill", in which two players fight until one ends the life of the other.
In the case of the "Super Girl" singing competition, "PK" was used to refer to the stage where two singers have to compete with each other for only one chance to go up in competition ranking.
Like this father, Chinese teachers at high schools have also been finding their students' compositions using Internet jargons (行话) which are difficult to understand. A high school teacher from Tianjin asked her students to write compositions with simple language, but they came up with a lot of Internet jargons that she didn't understand.
"My 'GG' came back this summer from college. He told me I've grown up to be a 'PLMM'. I loved to 'FB' with him together; he always took me to the 'KPM'," went one composition.
"GG" means Ge Ge (Chinese pinyin for brother). "PLMM" refers to Piao Liang Mei Mei (beautiful girl). "FB" means Fu Bai (corruption). "KPM" is short for KFC, Pizza Hut and McDonald's.
Some specialists welcome Internet jargons as a new development in language.
If you do not even know what a Kong Long (dinosaur, referring to an ugly looking female) or a Qing Wa (frog, referring to an ugly looking male) is, you will possibly be regarded as a Cai Niao! By writing the article, the writer tries to ________ .
| A．explain some Internet language |
| B．suggest common Internet language |
| C．laugh at the Beijing father |
| D．draw our attention to Internet language |
What does the writer think about the term "PK"?
| A．Fathers can't possibly know it. |
| B．The daughter should understand it. |
| C．Online game players may know it. |
| D．"Super Girl" shouldn't have used it. |
The examples of the Beijing father and the Tianjin teacher are used to show that Internet jargons________ .
| A．are used not only online |
| B．can be understood very well |
| C．are welcomed by all the people |
| D．cause trouble to our mother tongue |
What would be the best title for the passage?
| A．A puzzled father |
| B．Do you speak Internet-ish? |
| C．Keep away from Internet-ish |
| D．Kong Long or Qing Wa? |