According to a study by SallieMae, 84 percent of undergraduate students have cre
题型：不详难度：来源：
According to a study by SallieMae, 84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．
Credit cards are the most convenient form of payment, and they are aggressively marketed to college students．Reportedly, a typical college student carries 4．6 credit cards and US $ 3,173 in credit card debt．
Credit cards seem to be a fact of life, not just student life． In the long term, using a credit card properly and paying off the balance can help establish a card history and increase your credit score, which will come in handy when you need an important loan, for a house or car, for example．Your credit score can affect even unrelated things like insurance rates．Credit cards also offer more protection for users than debit cards（借记卡）．Under federal law, the credit card holder is only responsible for the first US $ 50in fraudulent（欺诈的） purchases in cases of theft or loss．However, debit card users are responsible for the first US $ 500．
SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents, but 84 percent said they needed more information．Those who didn"t get any guidance were more likely to be surprised when they found out how much they owed．
While credit cards offer the easiest access to money, they make it easy to live outside your means．Less than a fifth of students surveyed paid off their balance every month, and carrying a balance brings finance charges, sometimes at a very high interest rates．
SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail． But when the credit card offers flow in, be sure that you read the fine print．Offers of low or no interest rates can disappear, leaving you a debt that climbs beyond your ability to pay it off．
小题1:What does the first paragraph imply?| A．Most of the senior students are shocked to see how much they owed． | | B．Students can only take out loans from credit cards． | | C．Most of students" loans come from credit cards． | | D．Credit cards have a bad effect on college students． |
小题2:The underlined part "come in handy" in the third paragraph probably means “ ”| A．bring trouble | B．make mistakes | | C．be important | D．be useful |
小题3:According to SallieMae, what is the possible reason why students get so many credit card offers in the mail?| A．Many students" first credit card is based on direct mail． | | B．it costs the banks little to mail out credit cards． | | C．Students don"t like to go to the bank to open a credit card account． | | D．Banks have no other way to let students use their credit cards． |
小题4:What is the theme of the third paragraph?| A．The advantages of using debit cards． | | B．The similarities between credit cards and debit cards． | | C．The advantages of using credit cards． | | D．Credit cards are the most convenient form of payment． |
小题5:According to SallieMae, how many students had not discussed credit issues with their parents? |
答案
小题1:C
小题2:D
小题3:A
小题4:C
小题5:A |
解析
试题分析：文章介绍的大学生之中使用信用卡的问题，除了一些好处，信用卡也会让学生陷入债务之中。
小题1:细节题：从第一段的句子：84 percent of undergraduate students have credit cards, and by the time they are seniors, they have accumulated US $ 4,100 in debt, on top of whatever student loans they may have taken out．可知大部分毕业生的债务来自信用卡。选C。
小题2:猜词题：句意是：当你需要贷款的时候，就可以使用信用卡了。选D
小题3:细节题;从最后一段的句子：SallieMae found that almost 40 percent of students chose their first credit card based on direct mail, which is probably why students get credit card offers in the mail．可知很多学生的第一个信用卡是邮寄来的。选A
小题4:细节题;从第三段的句子：using a credit card properly and paying off the balance can help establish a card history and increase your credit score, 可知这段讲的是信用卡的好处。选C
小题5:细节题：文章倒数第三段的句子：SallieMae found some good news in the fact that two thirds of students had discussed credit issues with their parents,可以推断出有三分之一的学生没有和父母讨论信用卡的事情。选A
点评：这篇文章还是有一定难度的，但对于细节题的考查很细致，学生在掌握大意后，只要关注一些细节，可以迅速抓住关键句子。 |
举一反三
When I was going home to India last year, I called up my mother to ask if she wanted anything from China.
When India had not opened up its markets to the world, I carried suitcase loads of dark glasses and jeans. Thankfully, we can get all these anywhere in India now.
Still, her answer surprised me: “Green tea.”
As long as I can remember she didn’t even drink Indian tea.
I dutifully bought a big packet of Longjing and headed home to hear the story. My mother and her brother, both regular newspaper readers, believed that Chinese green tea was the wonder drug for all illnesses.
At the turn of the century, China was not really familiar to the average Indian. It was a strange country.
How things change! And how soon!
Now every town of any size seems to have a “China Market”. And everyone is talking about China.
The government of India has planned to send a team to China to see how things are done. A minister once said that India must open the doors for more foreign investment (投资) and such a step would “work wonders as it did for China”.
But it’s a two-way street. I just heard about a thousand Shenzhen office workers who have gone to Rangalore to train in software. Meanwhile, all the IT majors are setting up a strong presence in China.
No wonder that trade, which was only in the millions just ten years ago, is expected to hit about US $15 billion for last year and US $20 billion by 2012, a goal set by both governments.
No wonder, my colleague wrote some weeks ago about this being the Sino-Indian (中国和印度的) century as the two countries started on January 1st the Sino-Indian Friendship Year.
But what is still a wonder to me is my mother’s drinking Chinese tea.
小题1:Why did the mother ask for Chinese green tea?| A．She was tired of Indian tea. | | B．She had a son working in China. | | C．She believed it had a curing effect. | | D．She was fond of Chinese products. |
小题2:What does the author mean by “it’s a two-way street” in Paragraph 10?| A．China and India have different traffic rules. | | B．Tea trade works wonders in both India and China. | | C．Chinese products are popular in both China and India. | | D．There are exchanges between India and China. |
小题3:What do we know about the Indian IT industry?| A．It is seeking further development in China. | | B．It will move its head office to Shenzhen. | | C．It has attracted an investment of US $15 billion. | | D．It caught up with the US IT industry in 2008. |
小题4:In the text the author expresses _______.| A．his concern for his mother’s health | | B．his support for drinking Chinese green tea | | C．his surprise at China’s recent development | | D．his wonder at the growth of India’s IT industry |
小题5:It is inferred in the text that _______.| A．the author’s mother loves China very much | | B．the Indians were not familiar with China before | | C．the government of India encourages their people to buy Chinese green tea | | D．the two countries didn’t cooperate until last year |
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I hated dinner parties. But I decided to give them another shot because I’m in London. And my friend Mallery invited me. And because dinner parties in London are very different from those back in New York. There, “I’m having a dinner party” means “I’m booking a table for 12 at a restaurant you can’t afford and we’ll be sharing the cheque evenly, no matter what you eat.”
Worse, in Manhattan there is always someone who leaves before the bill arrives. They’ll throw down cash, half of what they owe, and then people like me, who don’t drink, end up paying even more. But if I try to use the same trick, the hostess will shout “Where are you going?” And it’s not like I can say I have somewhere to go : everyone knows I have nowhere to go.
But in London, dinner parties are in people’s homes. Not only that, the guests are an interesting mix. The last time I went to one, the guests were from France, India, Denmark and Nigeria; it was like a gathering at the United Nations. In New York, the mix is less striking. It’s like a gathering at Bloomingdale’s, a well-known department store.
For New Yorkers, talking about other parts of the world means Brooklyn and Queens in New York. But at Mallery’s, when I said that I had been to Myanmar recently, people knew where it was. In New York people would think it was a usual new club.
小题1:What does the word “shot” in Paragraph 1 probably mean?| A．Choice. | B．Try. | C．Style. | D．Goal. |
小题2:What does the author dislike most about dinner parties in New York?| A．There is a strange mix of people. | B．The restaurant are expensive. | | C．The bill is not fairly shared. | D．People have to pay cash. |
小题3:What does the author think of the parties in London?| A．A bit unusual. | B．Full of tricks. | | C．Less costly. | D．More interesting. |
小题4:What is the author’s opinion of some New Yorkers from her experience? | A．Easygoing.. | B．Self-centred. | | C．Generous. | D．Conservative. |
小题5:What is the main idea of this article?| A．The author hated dinner parties. | | B．The author prefer dinner parties in London to those in New York. | | C．The difference between London and New York. | | D．Mallery invited the author to a party. |
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Greece is one of the most beautiful countries of the world. Millions of tourists visit this place every year. In Greece the bus is the most convenient and preferred means of travelling. There are intercity(城市间的) buses operated by KTEL that interconnect(相互连接) various cities of Greece, and there are international buses operated by OSE that connect Greece to other European cities.
Every tourist must visit Greece at least once in life. This country is really a vacation heaven. It is the perfect blend of history and art with adventure and romance. You can dive into deep blue waters, climb up the mountains or enjoy ancient architecture and history.
Buses in Greece are cheap and very comfortable. All bus stations display schedules of buses on every route. Conductors and drivers are very polite and helpful. Travelers never face any trouble locating and boarding buses to their destinations. Tourists can always ask the conductor to inform them about their stop, so that they can get down at the right stop. Everyone here is more than happy to help tourists.
Athens, the capital of Greece, has three bus terminals. Buses to different part of Greece leave from different terminals.
Air-conditioned express buses(空调快车) also operated between major cities. They are faster and more comfortable than other buses. Tourists can choose guided Greece bus tour. These tours are the perfect way of exploring this great country.
Buses in Greece are also a great way of saving bucks on the journey. The long-distance bus system is very cheap. Buses save a lot of money to cover long distances, cheaper than taxis or cars. They are also the best means of interacting with local people. You can sit next to a native Greece and get some information about the place.
小题1:The company KTEL offers bus services__________.
A.to different cities in Greece
B.B.from Greece to other countries
C.to tourist attractions in Greece
D.from Greece to its bordering(相邻的) countries
小题2:It can be inferred from Paragraph 3 that the Greece are_________.| A．generous | B．hard-working | C．economical | D．warm-hearted |
小题3:If you are a tourist of Greece from oversea(海外), you’d better choose________.
A. taxis
B.B.cars
C.C.guided Greece bus tours
D.D.air-conditioned express buses
小题4:The underlined word “bucks” in the last paragraph probable refers to_______.| A．money | B．energy | C．time | D．trouble |
小题5:While taking long-distance buses, you can________.
A.know more about the bus schedules
B.B.make friends with the conductors
C.learn more about bus systems in Greece
D.learn something about the place you’re visiting |
The porter(行李搬运工) brings your bags to your room and helpfully explains all you want to know．Then he points to the phone and says：“If there’s anything else you need, just call．”All this time you have been thinking of one thing：“How much should I tip(付小费)him?” To make your next trip a little easier, here’s guide to tipping across some Asian countries.
Bangkok(曼谷)
In general, the more westernized the place is, the more likely you will be expected to leave a tip．Some top-end restaurants will add a 10％ service charge to the bill．If not, waiters will appreciate your tacking on(附加)the 10％ yourself．However, if you’re eating at a lower-end restaurant, a tip is not necessary．If you’re staying at one of Bangkok’s many five-star hotels, expect to tip the porter 20 to 50 baht(泰国货币单位),depending on how many bags you have．Taxis are now metered in Bangkok．Local custom is to round up(凑整数)the fare to the nearest five baht．
Hong Kong
Tipping is customary in this money-mad metropolis(大都市)．Most restaurants add a 10％ service charge to the bill, but the extra money often ends up in the pocket of the owner. If the service is good, add another 10％ to the bill, up to HKMYMl00 in an especially nice restaurant．For HK MYM10 hotel porters should do it at all but the nicest hotels where a new HKMYM20 bill may be more acceptable．When in a taxi, round up to the nearest dollar．
Kuala Lumpur（吉隆坡）
Tipping in Malaysia is limited to the expensive westernized hotels, which often add a 10％ service charge to your meal or hotel room．If you are at a hotel restaurant, expect a 10％ service charge．
But at local restaurants, there’s no need to add a tip. At five-star hotels, one or two ringgit(马来西亚货币单位)will satisfy a porter. At lower-end buildings don’t feel you have to tip Like Bangkok, many taxis are now metered so you can just round up to the nearest ringgit．
Seoul
Tipping is not part of Korean culture, although it has become a matter of course in international hotels where a 10％ service charge is often added．If you’re at a Korean barbecue joint(烧烤处), there’s no need to add anything extra．But a nice Italian restaurant may require a 10％ contribution．
If you’re at a top-end hotel, so expect to pay 500～l,000 won per bag．Taxi drivers don’t accept a tip．Keep the change for yourself．
小题1:Which of the following is NOT the unit of money?．| A．Charge | B．Baht | C．Won | D．Ringgit |
小题2:In which of the following cities is it unnecessary to tip the taxi-drivers?| A．Bangkok | B．Hongkong | C．Kuala Lumpur | D．Seoul |
小题3:If you stay at a five-star hotel in Kuala Lumpur, how much will you pay the porter at least?| A．10％ of service charge | B．Three ringgit | C．Half a ringgit | D．One ringgit |
小题4:The writer seems ．| A．to tell the readers how to travel | | B．to give the readers some advice on how to tip | | C．to ask the readers to go on a travel to Asian cities | | D．to make the trip more pleasant |
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“A thousand-mile journey begins with a single step,” as the saying goes. However, 36 it doesn’t tell us is that once the journey is started, it might be hard to stop.
That’s the 37 for Tang Renli, a senior at Nanjing University of Technology, who has backpacked to more than 200 cities in China during four years of college. To 38 his experiences, Tang has hosted a photo exhibition Play Hooky, Go Travel at the Beijing 798 Art Zone. On __39_ are over 300 photos of his travels. The 22-year-old never 40 going to so many places when he 41 his first trip to Yangzhou during the Tomb Sweeping Day holiday in his freshman year. _42 he was hooked on travel. You may 43 how Tang could find the time, being a full-time college student. Did he really skip classes to go travel, like the 44 of his exhibition suggests? “I gave myself one to two weeks every month for travel. But I always took care of my class and 45__ first,” Tang said. Tang, who is a city planning major, has never ___46_ a compulsory course at college.
“I spent more time and effort on my study, 47 during the finals’ weeks,” Tang said. Schoolwork was not the only 48 Tang had to face. His travel budget was 49 so Tang had to 50 what he had. He usually took the cheapest form of transport and stayed at youth hostels ___51 less than 50 yuan per night. There were also times when he walked, hitchhiked, and slept in train stations, police offices and vans.
“Sometimes I felt 52 , helpless and even found myself in _53 ,” Tang said. “But now that I look back, these setbacks _54 my journey, and my life. Don’t think too much about the ___55 because you’ll cross that bridge when you get to it. And once you take your first step, the feeling is amazing and addictive.”
| 小题2: | | A．case | B．excuse | C．motto | D．dream |
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| 小题3: | | A．test | B．gain | C．share | D．identify |
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| 小题4: | | A．purpose | B．performance | C．discovery | D．display |
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| 小题5: | | A．thought of | B．spoke to | C．worried about | D．turned out |
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| 小题6: | | A．competed | B．completed | C．compromised | D．complained |
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| 小题7: | | A．Up to now | B．Until then | C．From then on | D．In the end |
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| 小题8: | | A．wonder | B．puzzle | C．surprise | D．trouble |
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| 小题9: | | A．sentence | B．title | C．project | D．object |
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| 小题10: | | A．comments | B．revision | C．achievements | D．assignments |
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| 小题11: | | A．failed | B．succeeded | C． reached | D．missed |
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| 小题12: | | A．impatiently | B．increasingly | C．especially | D．anxiously |
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| 小题13: | | A．excitement | B．mixture | C．expression | D．obstacle |
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| 小题14: | | A．limited | B．granted | C．applied | D．wasted |
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| 小题15: | | A．pay much attention to | B．take no notice of | | C．put an end to | D．make the most of |
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| 小题16: | | A．losing | B．costing | C．offering | D．cheating |
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| 小题17: | | A．alone | B．lively | C．lonely | D．alive |
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| 小题18: | | A．horror | B．anger | C．sorrow | D．danger |
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| 小题19: | | A．enjoyed | B．enriched | C．engaged | D．endured |
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| 小题20: | | A．importance | B．necessities | C．uncertainties | D．significance |
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