A growing number of consumers, especially young people , are adopting more Western habits when it comes to spending money—by favoring credit cards over savings.
A survey of 11,500 people in 18 cities by The Nielson Company found the credit card market had witnessed a major change in recent years.
“Today’s consumer is clearly not interested in saving for a rainy day, as may have been the case in the past,” Bega Ng, director of financial services research with the company said. “Consumers have been adopting Western habits and attitudes in almost every way—including saving and spending habits. Consumers in their 20s spend tomorrow’s cash to fund today’s needs.”
The report found consumers aged 18 to 24 were the most eager credit card users.
Although the report did not give the amounts credit card users in each of the 18 cities spent, it mentioned the example of Xiamen, a coastal city in Fujian Province, where consumers put an average of 50 percent of their monthly incomes into their credit card accounts to indulge(沉湎于) in cashless shopping.
Included in the survey for the first time, Xiamen is reported to have a fast growing penetration rate(渗透率) for credit cards, with four out of ten consumers now owning at least one card. With more than half of cardholders in Xiamen owning two or more cards, it is catching up with key “tier one” cities, the report said. The report did not make known the figures in major cities such as Beijing, Shanghai and Guangzhou.
Last year, the same Nielson survey showed Shanghai had the biggest population of credit card holders, with citizens owning 1.8 credit cards on average. Half of them use credit cards at least once a week, the survey said.
Yunfei, 30, from Beijing, said she spent at least 2,000 yuan a month by credit cards, most of which went on daily necessities and dining out.
69.Which of the following best shows the young urbanites’ idea of consumption?
A. Using credit cards in every way.
B. Spending tomorrow’s cash for today’s needs.
C. Owning more cards for cashless shopping.
D. Saving money for future use.
70.How is the situation of credit card use in Xjamen?
A. Forty percent of the consumers own at least one card.
B. Credit card users use up most of their monthly income.
C. The number of credit card users is larger than that in Guangzhou.
D. Over half of the consumers use two or more cards.
71.Which city had the largest number of credit card users according to a previous survey?
A. Xiamen. B. Beijing. C. Shanghai. D. Guangzhou.
72.What is the main idea of the survey reported by Nielson Company?
A. Most credit card users are young people aged 18 to 24.
B. Western habits have a big influence on the Chinese people.
C. The number of credit card users is growing rapidly in Chinese cities.
D. Chinese consumers are no more interested in saving money.
It was the afternoon of December 24, the day before Christmas; and as the newest doctor in our office, I had to work. The only thing that brightened my day was the beautifully decorated Christmas tree in our waiting room and a gift sent to me by a fellow I was dating — a dozen long-stemmed red roses.
As I was cleaning my office, I was told a lady urgently needed to speak with me. As I stepped out, I noticed a young, tired-looking woman with a baby in her arms. Nervously, she explained that her husband — a prisoner in a nearby prison — was my next patient. She told me she wasn’t allowed to visit her husband in prison and that he had never seen his son. Her request was for me to let the boy’s father sit in the waiting room with her as long as possible before I called him for his appointment. Since my schedule wasn’t full, I agreed. After all, it was Christmas Eve.
A short time later, her husband arrived — with chains on his feet and hands, and two armed guards as bodyguards. The woman’s tired face lit up like our little Christmas tree when her husband took a seat beside her. I kept glancing out to watch them laugh, cry and share their child. After almost an hour, I called the prisoner back to my office. The patient seemed like a gentle and modest man. I wondered what he possibly could have done to be held under such conditions. I tried to make him as comfortable as possible.
At the end of the appointment, I wished him a Merry Christmas-a difficult thing to say to a man headed back to prison. He smiled and thanked me. He also said he felt saddened by the fact he hadn’t been able to get his wife anything for Christmas. On hearing this, I was inspired with a wonderful idea.
I’ll never forget the look on both their faces as the prisoner gave his wife the beautiful, long-stemmed roses. I’m not sure who experienced the most joy — the husband in giving, the wife in receiving, or myself in having the opportunity to share in this special moment.What can be inferred from the first paragraph?
| A．The writer was a newcomer to her office. |
| B．A fellow sent her a dozen red roses as Christmas present. |
| C．She was in low spirits because she had to work before Christmas. |
| D．She was at work with a light heart. |
The young woman came to the writer’s office for the purpose of .
| A．having her baby examined |
| B．giving her husband a chance to make his escape |
| C．having her husband examined |
| D．getting a chance for her family to get together |
The underlined part in paragraph 3 most probably means “ ”
| A．to be sent to hospital | B．to be separated from his family |
| C．to be comfortable | D．to become a prisoner |
What does the writer learn from the story?
| A．The wife experienced the most joy in receiving |
| B．An act of kindness can mean a lot |
| C．The prisoner was treated with mercy |
| D．Whoever breaks the law should be punished |
In the United States you will find yourself being urged from every page of every newspaper and every television station to buy all kinds of goods.
Not only is there a wide range of prices for goods in America, there is also a wide range in the quality of goods offered for sale. Unlike some countries, Americans generally pay the price of a product without question, instead of trying to get a lower price by bargaining. However, there are many “sales” in the United States, during which time stores will lower their normal prices. This may all be very confusing to visitors. How are you going to know how to “get your money’s worth” when you shop? Perhaps the best advice is: Don’t hurry. Visit various stores and determine the quality of goods. Read the advertisements so that you can compare prices.
There is a great variety of shops in the United States, ranging from very large stores called “department stores” to very small shops. There are “discount houses” offering goods at low prices, and “dime stores” specializing in a wide range of inexpensive items.
Most department stores in large cities carry better quality products at higher prices. However, they offer the shoppers great convenience since they contain such a wide variety of products.
If convenience isn’t as important to you as price, you may want to shop in discount houses. These stores have nearly as great a variety of goods as department stores, but offer lower prices. They can do so for several reasons. They don’t offer the same services to buyers that department stores do; there may be fewer sales people; and the store probably doesn’t deliver purchases.
Another popular shop is the “dime store”. No longer selling many things for five or ten cents, these stores got their name in the last century when it was decided that a small profit on a great quantity of goods would be better than a large profit on fewer sales. Dime stores specialize in a wide variety of inexpensive items and today, prices range from a quarter or 50 cents up to several dollars.Where can we most probably read this passage?
| A．In a research paper. | B．In a science report. |
| C．In a geography book. | D．In a travel magazine. |
Why can discount houses offer goods at lower prices compared with department stores?
a. They have fewer employees.
b. They have larger quantities of goods.
c. They offer fewer services.
d. They don’t provide delivery service.
| A．a b c | B．a b d | C．a c d | D．b c d |
What’s special about dime stores?
| A．They sell lots of goods at a small profit. |
| B．They make big profits by selling some goods. |
| C．They provide goods with a price lower than 50 cents. |
| D．They provide goods ranging from bargains to expensive ones. |
Bissel is a small village of the West Sahara. It lies next to a l.5-square-kilometer oasis（绿洲）, from where three days and nights are generally required to go out of the desert. However, before Ken Levin discovered it in 1926, none of the Bissel villagers had ever walked out of the desert. Reportedly, they were not unwilling to leave this barren land. Many had previously tried but failed, always somehow finding themselves back at the oasis after several days of trying to walk out.
When interviewed by Ken Levin, an expert at the British Royal College of Sciences, the villagers explained that no matter which direction they walked it always brought them back to the village.Why couldn’t the Bissel villagers walk out of the desert? Levin was very puzzled. He had, by himself, managed to walk north from the village and reach the nearest town in three and a half days. He decided to carry out an experiment to solve the mystery. He and a Bissel villager called Argutel, would walk out of the desert together. They prepared enough water for a half-a-month journey and two camels. But this time Ken Levin didn't bring his compass. Levin would follow Argutel.
Ten days later, they had walked for about 500 miles but were still in the desert. On the 11th morning, an oasis came into their view. They were back at Bissel. Levin now understood why the Bissel people couldn’t escape the desert. They had no knowledge of the North Star, which had for centuries provided sailors and other travelers with a point of direction. In the desert, if a person goes forward relying only on their senses, they will not be able to travel in a straight line. Rather they will travel in a very large circle and eventually track back to where they began. Levin explained to Argutel the function of the North Star and said, “As long as you rest in the daytime and walk towards the brightest star at night, you would be able to walk out of the desert.” Argutel did as he was told. Three days later, he came to the edge of the desert.
Now in the West Sahara, Bissel has become a bright pearl, where tens of thousands of tourists come every year. Argutel’s bronze statue stands in the center of the town. On its base are the words: __________________________________.Ken Levin asked Argutel to walk to the north in order to ________.
| A．prove that people could walk out of the desert see |
| B．how far away Bissel was to the edge of the desert |
| C．tell people not to walk in circles |
| D．show Argutel was a great person |
According to the passage, Ken Levin ________.
| A．knew Argutel before he came to the village |
| B．came to Bissel to do experiments on behalf of his college |
| C．became the first man to walk out of the desert from Bissel Village |
| D．taught Bissel villagers knowledge of the North Star when he first arrived |
It can be inferred from the passage that ________.
| A．Ken Levin didn’t walk south because it would take more days |
| B．the use of a compass was necessary to walk out of the desert |
| C．tourism in Bissel has been greatly developed and improved |
| D．Argutel became the leader of Bissel after his return |
Which of the following can most probably be found at the base of Argutel’s statue?
| A．A new life starts from the fixed direction. |
| B．Where there is a will, there is a way. |
| C．A long journey starts with the first step. |
| D．Two heads are better than one. |
We considered a list of the best American books. Here are five that may help accurately show the national character. Most from a century or so ago, they still entertain, teach, and inspire:
Moby-Dick by Herman Melville
First published in 1851, the adventure stories of Captain Ahab and his monomaniacal(偏执的) pursuit of the white whale draw us into a universe full of fascinating characters and stories.
The Education of Henry Adams by Henry Adams
Published in 1918, the book was an autobiography. Born in one of America’s most famous political families, Adams provides insight into his family, including his experience as private secretary to his father, minister to England during the American Civil war.
Leaves of Grass by Walt Whitman
When Whitman published Leaves of Grass in 1855, he wanted to accurately describe the American experience and reflect the great changes in the American literary world that had taken place during his lifetime.
Poems by Emily Dickinson
An enthusiastic poet whose works have had considerable influence on modern poetry, Dickson’s frequent use of dashes, occasional capitalization(大写) of nouns, and unconventional metaphors(隐喻) have contributed to her reputation as one of the most inventive poets of the 19th century American literature. However, most of her poems were not published during her lifetime.
The Song of Hiawatha by Henry Wadsworth Longfellow
First published in 1855, this is Longfellow’s most popular and most recognized poem, the heroic life and death of a magic American Indian, sent by the Great Spirit to guide the nations in the ways of peace.Walt Whitman wrote Leaves of Grass in order to _______.
| A．show his talent and heroic life to us |
| B．draw us into a fascinating universe |
| C．provide insight into his family |
| D．reflect the great changes in the American literary world |
If you want to read a story about a magic American Indian, you can read _______.
| A．Moby-Dick | B．The Song of Hiawatha |
| C．Poems | D．Leaves of Grass |
Which statement is TRUE according to the passage?
| A．Because the five books are from a century or so ago, they can’t teach and inspire us. |
| B．Herman Melville was considered as one of the most inventive poets of the 19th century American literature. |
| C．The Education of Henry Adams is a non-fiction book. |
| D．Of the five books, Moby-Dick was published last. |
Why did the author write the passage?
| A．To introduce several best American books to readers. |
| B．To make an advertisement for a book store. |
| C．To tell stories of several famous writers. |
| D．To talk about some knowledge about literature. |
If you haven’t heard or seen anything about Road Rage in the last few months, you’ve probably been avoiding the media. There have been countless stories about this new and scary phenomenon, considered a type of aggressive driving. You have most likely encountered aggressive driving or Road Rage recently if you drive at all.
While drunk driving remains a critical problem, the facts about aggressive driving are surely as disturbing. For instance, according to the National Highway Transportation Safety Association, 41,907 people died on the highway last year. Of those deaths, the agency estimates that about two-thirds were caused at least in part by aggressive driving behavior.
Why is this phenomenon occurring more than ever now, and why is it something that seemed almost nonexistent a few short years ago? Experts have several theories, and all are probably partially correct. One suggestion is extreme overcrowding. In the last decade, the number of cars on the roads has increased by more than 11 percent, and the number of miles driven has increased by 35 percent. However, the number of new road miles has only increased by 1 percent. That means more cars in the same amount of space; and the problem is severe in urban areas. Also, people have less time and more things to do. With people working and trying to fit extra chores and activities into the day, stress levels have never been higher. Stress creates anxiety, which leads to short tempers. These factors, when combined in certain situations, can spell Road Rage.
You may think you are the last person who would drive aggressively, but you might be surprised. For instance, have you ever yelled out loud at a slower driver, sounded the horn long and hard an another car, or sped up to keep another driver from passing? If you recognize yourself in any of these situations, watch out!
Whether you are getting angry at other drivers, or another driver is visibly upset with you, there are things you can do to avoid any major conflict. If you are easily influenced by Road Rage, the key is to release your emotion in a healthy way. If you are the target of another driver’s rage, do everything possible to get away from the other driver safely, including avoiding eye contact and getting out of their way.The first sentence in Para. 1 implies that ______.
| A．RoadRagehasreceivedmuchmediacoverageinthelastfewmonths | |
| B．themediacreatedtheterm“RoadRage”onlyafewmonthsago | C．onemaybeangeredbymediareportsandwantstoavoidthem |
| D．peoplenotinterestedinthemediaknowlittleaboutrecenthappenings |
The underlined word “spell” in Para. 3 means ________.
| A．relieve | B．cause | C．spread | D．prevent |
Which of the following characterizes aggressive driving?
| A．Talking while driving. |
| B．Driving at high speed. |
| C．Shouting at another driver. |
| D．Sounding the horn when passing |
The last paragraph is intended to _________.
| A．tellpeoplehowtodealwithRoadRage |
| B．informpeoplehowaggressivedriverscouldbe |
| C．showpeoplehowtocontrolthemselveswhenangry |
| D．warnpeopleagainsteyecontactwithanotherdriver |
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