Are you a saver or a spender?"A penny saved is a penny earned." This old saying

题文

Are you a saver or a spender?"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "_________________________" is another way to talk about saving for the future.People who hate to spend money are known as "tightwads," while tho who like to get the most value for their money are called "thrifty." A thrifty person is different from a "spendthrift." A spendthrift is someone who spends wastefully. People like that are often said to spend money "like a drunken sailor" or "like there's no tomorrow."In the United States, people who want to start a savings account have different choices of where to put their money. The include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款证） pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to veral years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a fine.In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in 1990, Americans had a houhold savings rate of ven percent. This year, that rate is expected to be a little more than four percent and many European countries have higher rates like the UK and France , but Americans save more than families in countries like Japan and South Korea.小题1:Which of the following proverbs can be filled in the blank in Paragraph 2?A．Health is wealth.B．Money is a good rvant but a bad masterC．Put money away for a rainy day.D．Money doesn’t grow on trees.小题2:If you have $10,000, which of the following may help you get higher interest ?A．Choo certificates of deposit for one year.B．Put the money in banks for one year.C．Put the money in credit unions for one year.D．Choo certificates of deposit for one year but withdraw the money ahead of time.小题3:What does the passage mainly talk about ?A．Different choices of putting money away in the US.B．The importance of saving money.C．How to put money into banks.D．The houhold savings rate in the US. 题型：未知难度：其他题型

答案

小题1:C小题2:A小题3:A

解析

这篇文章主要讲了在美国，人们想开储蓄账户就多种选择，包括银行和信用机构。小题1:填句题：根据"A penny saved is a penny earned." This old saying calls attention to the wisdom of saving money. "可知这里应该填。“未雨绸缪”是为将来打算的另一种说法。故选C。小题2:细节题：根据Certificates of deposit pay higher returns. 信用机构、银行等其他金融机构都对储户支付利息，但利率很低。存款证的回报要高些，故选A。小题3:主旨题： 通过阅读文章内容，可知这篇文章主要讲了把钱存在美国的不同选择，故选A。

考点

据考高分专家说，试题“Are you a saver or a.....”主要考查你对 [日常生活类阅读 ]考点的理解。 日常生活类阅读

日常生活类阅读的概念：

日常生活这一话题主要涉及人们衣食住行等方面的活动。这一话题的选材主要针对人们日常的工作，生活以及学习情况。做这一类题时，最主要的是要把握好人物的活动内容，时间和地点。

日常生活类阅读题答题技巧：

【题型说明】该类文章内容涉及到人们的言谈举止、生活习惯、饮食起居、服饰仪表、恋爱婚姻、消遣娱乐、节日起源、家庭生活等。文章篇幅短小，追根溯源，探索各项风俗的历史渊源，内容有趣。命题也以送分题为主，如事实细节题、语义转换题、词义猜测题和简单推理判断题等。虽然这类文章读起来感觉轻松，试题做起来比较顺手，但绝不能掉以轻心。因为稍不留神，就会丢分。 【备考提醒】为了保证较高准确率，建议同学们做好以下几点： 1、保持正常的考试心态。笔者在教学中发现，越是容易的试题，同学们越是容易失分。为什么呢？因为在这种情况下，同学们极易产生麻痹思想，认为题目好做，就不引起高度重视，于是思维不发散、不周密。而命题人就是利用同学们的这一弱点，设计陷阱题。所以，无论试题难易与否，我们都要保持正常的考试心态。试题容易，不欣喜；试题难，不悲观。 2、根据前面讲到的方法，认认真真、细细心心做好事实细节题。 3、做好语义转换题。这类题是根据英语中一词多义和某些词语在文中能表达一定的修辞意义的原则而设计的。要求同学们解释某生词的含义，确定多义词或短语在文中的意思，确认文中的某个代词所指代的对象，或者对英语中特有的表达、格言、谚语进行解释。这种题要求同学们一定要根据上下文猜测词义或理解句子，切不可望文生义。 4、做好简单推理判断题。简单推理判断题要以表面文字为前提，以具体事实为依据进行推理，做出判断。这种推理方式比较直接，只要弄清事实，即可结合常识推断出合理的结论。