Derek Wayne has obtained a 30-year, fixed-rate home loan of $ 100,000 with an annual interest rate of 7.5 percent. Because the loan extends for such a lengthy period, the mortgage(抵押) company calculates a monthly payment that ensures it will get most of its interest back first. Thus in the beginning months, Wayne’s principal payment—the amount he pays toward his actual loan—increases extremely slowly.
| Payment Number |
Total Monthly Payment |
Principal Portion of Payment |
Interest Portion of Payment |
Current Balance |
| 1 |
$699.21 |
$ 74.21 |
$ 625.00 |
$99,925.79 |
| 2 |
$699.21 |
$74.68 |
$624.54 |
$99,854.11 |
| 359 |
$699.21 |
$690.56 |
$8.66 |
$694.87 |
| 360 |
$699.21 |
$694.87 |
$4.34 |
$0.00 |
Let’s analyze Wayne’s early payments. Imagine that on December 15 the Mauritanian Mortgage Corporation gives Wayne $100,000, and on January 15 his initial payment is due. Throughout this first month, interest accumulates on the entire $ 100,000. On a yearly interest rate of 7.5%, Wayne’s monthly rate is 0.625% or 7.5%divided by 12. Multiplying $100,000 by 0.625% yields $625, the portion of Wayne’s first monthly payment that is interest. So Wayne now owes $ 99,925.79 ( $100,625－$699.21). His February interest payment will be 0.625% of $ 99,925.79.
By the time Wayne makes his last few payments, his monthly interest payment has decreased considerably. His balance following his 359th payment is $ 694.87, and 0.625% of that is about $ 4.34, his final interest payment. What was the total amount of interest Wayne paid? Multiplying 360 months by $699.21 equals $ 251,715.60, and subtracting $100,000(the loan amount) leaves $151,715.60—over 1.5 times what he actually borrowed!This passage is mainly concerned with_________________.
| A．Derek Wayne |
| B．the Mauritanian Mortgage Corporation |
| C．how interest payments on a loan change |
| D．calculating the number of payments Wayne made |
The monthly interest rate on Wayne’s loan was____________.
| A．7.5% | B．6.5% |
| C．0.625% | D．$625 |
We can conclude that Wayne’s total monthly payment was always___________.
| A．$699.21 | B．$100,000 |
| C．$360 | D．$151,715.60 |
The table in the passage helps the readers see_____________.
| A．Wayne’s down payment before he took out the loan |
| B．Wayne’s first and last payments |
| C．how much his interest payments increased |
| D．at what point the interest and principal payments were just about equal. |
Computers are very important to modern life．Many people think that in the future computers will be used in lots of everyday life．It is thought that we won’t have to go shopping because we will be able to get most things which are sold in shops on the Internet．There will be no more books because we will be able to get all texts from computers．The Internet will be used to play games, see films and buy food．Most telephone calls will be made by computers, too．
Some people are glad about those new ways of shopping and communicating(交流)．Others do not think that computers will replace（代替）our old ways．
Some people think that one day we will not read books made of paper. Instead, we will buy and read books using computers, which will keep many different books in them at the same time．We won’t need to turn lots of pages and paper will be saved．Computerized (计算机化的) books will be used more and more．
While many people say it is a pleasure to go into shops and look at things you want to buy．It is also unlikely that many people will want to read large texts on our computers. Because paper books will perhaps be more friendly．Maybe computers won’t change these two habits．Which is the main idea of this passage?
| A．People like going shopping | B．Reading books is important |
| C．Computers are important | D．Computer can be used to play games |
.There will be no more books because________.
| A．There is no paper in the future. | B．People don’t like reading books. |
| C．They are very expensive. | D．We can read passages from computers. |
Which of the following is TRUE?
| A．We can see films by computers. | B．People all like to go shopping by computers. |
| C．We can’t buy anything using computers. | D．All the people like reading books from computers. |
Which of the following is mentioned (提到) in the passage?
| A．Computers can help us e-mail our friends. | B．We can chat by using computers. |
| C．Computers can help us make telephone calls. | D．We can listen to the music by computers. |
Everyday we go to school and listen to the teacher, and the teacher will ask us some questions. Sometimes, the classmates will ask your opinions of the work of the class. When you are telling others in the class what you have found out about these topics, remember that they must be able to hear what you are saying. You are not taking part in a family conversation or having a chat（闲谈）with friends—you are in a slightly unnatural situation where a large group of people will remain silent, waiting to hear what you have to say. You must speak so that they can hear you—loudly enough and clearly enough but without trying to shout of appearing to force yourself.
Remember, too, that it is the same if you are called to an interview whether it is with a professor of your school or a government official who might meet you. The person you are seeing will try to put you at your ease（轻松）but the situation is somewhat（一点儿）different from that of an ordinary conversation. You must take special care that you can be heard.When you speak to the class, you should speak ________.
| A．as loudly as possible | B．in a low voice |
| C．loudly | D．forcefully |
Usually, when you speak to the class, the class is __________.
| A．noisy | B．quiet | C．having a rest | D．serious |
The situation in the class is ________ that in your house.
| A．not very different from | B．sometimes the same as |
| C．sometimes not the same as | D．not the same as |
If you are having a conversation with an official, the most important thing for you is _______.
| A．to show your ability | B．to be very gentle |
| C．to make sure that you can be heard | D．to put the official at ease |
The main idea of this passage is ________.
| A．that we must use different ways at different situations |
| B．that we must speak loudly |
| C．that we must keep silent at any time |
| D．that we must talk with the class |
I found out one time that doing a favor for someone could get you into a lot of trouble. I was in the eighth grade at the time, and we were having a final test. During the test, the girl sitting next to me whispered something, but I didn’t understand. So I leaned over her way and found out that she was trying to ask me if I had an extra pen. She showed me that hers was out of ink and would not write. I happened to have an extra one, so I took it out of my pocket and put it on her desk.
Later, after the test papers had been turned in, the teacher asked me to stay in the room when all the other students were dismissed（解散）. As soon as we were alone she began to talk to me about what it meant to grow up; she talked about how important it was to stand on your own two feet and be responsible (负责任) for your own acts. For a long time, she talked about honesty and emphasized（强调） the fact that when people do something dishonest, they are really cheating（欺骗） themselves. She made me promise that I would think seriously（认真地） about all the things she had said, and then she told me I could leave. I walked out of the room wondering why she had chosen to talk to me about all those things.
Later on, I found out that she thought I had cheated on the test. When she saw me lean over to talk to the girl next to me, it looked as if I was copying answers from the girl’s test paper. I tried to explain about the pen, but all she could say was it seemed very very strange to her that I hadn’t talked of anything about the pen the day she talked to me right after the test. Even if I tried to explain that I was just doing the girl a favor by letting her use my pen, I am sure she continued（继续） to believe that I had cheated on the test. The story took place（发生） exactly ____ .
| A．in the teacher’s office | B．in an exam room |
| C．in the school | D．in the language lab |
The girl wanted to borrow a pen, because ____ .
| A．she had not brought a pen with her | B．she had lost her own on her way to school |
| C．there was something wrong with her own | D．her own had been taken away by someone |
The teacher saw all this, so she asked the boy ____ .
| A．to go on writing his paper | B．to stop whispering |
| C．to leave the room immediately | D．to stay behind after the exam |
The thing(s) emphasized in her talk was(were) ____ .
| A．honesty | B．sense of duty | C．seriousness | D．all of the above |
The boy knew everything ____ .
| A．the moment he was asked to stay behind | B．when the teacher started talking about honesty |
| C．only some time later | D．when he was walking out of the room |
So long as teachers fail to distinguish between teaching and learning , they will continue to undertake to do for children that which only children can do for themselves. Teaching children to read is not passing reading on to them. It is certainly not endless hours spent in activities about reading. Douglas insists that“ reading cannot be taught directly and schools should stop trying to do the impossible”.
Teaching and learning are two entirely different processes. They differ in kind and function. The function of teaching is to create the conditions and the climate that will make it possible for children to devise the most efficient system for teaching themselves to read. Teaching is also public activity. It can be seen and observed.
Learning to read involves all that each individual does to make sense of the world of printed language. Almost all of it is private ,for learning is an occupation of the mind ,and that process is not open to public scrutiny.
If teacher and learner roles are not interchangeable ,what then can be done through teaching that will aid the child in the quest（探索）for knowledge? Smith has one principal rule for all teaching instructions. “Make learning to read easy, which means making reading a meaningful, enjoyable and frequent experience for children. ”
When the roles of teacher and learner are seen for what they are, and when both teachers fulfill them appropriately, then much of the pressure and feeling of failure for both is eliminated. Learning to read is made easier when teachers create an environment where children are given the opportunity to solve the problem of leaning to read by reading.
The problem with the reading course as mentioned in the first paragraph is that ________.
| A．it is one of the most difficult school courses |
| B．students spend endless hours in reading |
| C．reading tasks are assigned with little guidance |
| D．too much time is spent in teaching about reading |
The teaching of reading will be successful if ________.
| A．teachers can improve conditions at school for the students |
| B．teachers can enable students to develop their own way of reading |
| C．teachers can devise the most efficient system for reading |
| D．teachers can make their teaching activities observable |
The underlined word“ scrutiny” most probably means“________”.
| A．inquiry | B．observation |
| C．control | D．suspicion |
According to the passage, learning to read will no longer be a difficult task when ________.
| A．children become highly motivated |
| B．teacher and learner roles are interchangeable |
| C．teaching helps children in the search for knowledge |
| D．reading enriches children’s experience |
The main idea of the passage is that ________.
| A．teachers should do as little as possible in helping students learn to read |
| B．teachers should encourage students to read as widely as possible |
| C．reading ability is something acquired rather than taught |
| D．reading is more complicated that generally believed |
A few days ago I asked my sons’ governess（女家庭教师）Julia to come into my study. “Be seated, Julia, ”I said, “Let’s settle our accounts. I guess you most likely need some money, but maybe you’re too polite to mention it. Now then, we agreed on thirty dollars a month...”
“Forty.”
“No, thirty. I made a note of it. I always pay our governess thirty. Well, um, you’ve been here two months, so...”
“Two months and five days.”
“Exactly two months. I made a special note of it. That means you have sixty dollars coming to you. Take off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.
“Three holidays, therefore take off twelve dollars. Four days Tom was sick and there were no lessons, as you were occupied only with Dick. Three days you had a toothache and my wife gave you permission not to work after lunch. Twelve and seven - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct？”
Julia’s left eye reddened with tears welling up. Her chin trembled; she coughed nervously and blew her nose, but - still not a word.
“Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, it was a treasure of the family, but- forget it. When didn’t I take a loss! Then, due to your neglect （疏忽）, Tom climbed a tree and tore his jacket; take away ten. Also due to your carelessness the maid stole Dick’s shoes. You ought to watch everything! You get paid for it. So, that means five more dollars off. The tenth of January I gave ten dollars.”
“You didn’t. ”sobbed Julia.
“But I made a note of it.”
“Well... if you say so.”
“Take twenty seven from forty one -that leaves fourteen.”
Both her eyes were filled with tears. Beads of sweat stood on the thin pretty little nose. Poor girl!
“Only once was I given any money,” she whispered, her voice trembling, “and that was by your wife. Three dollars, nothing more.”
“Really? You see now, and I didn’t know that! Take three from fourteen.. leaves eleven. Here’s your money, my dear. Three, three, three, one and one. Here it is !”
I handed her eleven dollars. She took them and pocketed them.
“Merci （法语: 谢谢）,”she whispered.
I jumped to my feet and started pacing the room. I was overcome with anger. “For what, this - ‘merci’?” I asked.
“For the money. ”
“But you know I’ve cheated you - robbed you ! I have actually stolen from you ! Why this‘merci’？”
“In my other places they didn’t give me anything at all.”
“They didn’t give you anything? No wonder! I played a little joke on you, a cruel lesson, just to teach you... I m going to give you all the eighty dollars! Here they are in the envelope all ready for you... Is it really possible to be so spineless （懦弱）?Why didn’t you protest? Why were you silent? Is it possible in this world to be without teeth and claws（爪）—to be such a fool?”
Embarrassed, she smiled. And I could read her expression,“It is possible.”
I asked her pardon for the cruel lesson and, to her great surprise, gave her the eighty dollars. She murmured her little“merci”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world !”While talking to Julia, the wrier expected from her ________.
| A．a protest | B．gratitude |
| C．obedience | D．an explanation |
What shocked the writer was Julia’s ________.
| A．nervousness in front of her boss |
| B．acceptance of injustice |
| C．shyness when talking about money |
| D．reluctance to express herself |
The writer said, “Is it possible in this world to be without teeth and claws?” He was actually telling the governess ________.
| A．to be more aggressive |
| B．to be more careful in her work |
| C．to protect her right |
| D．to live independently |
At the end of the story, the writer said,“ How easy it is to crush the weak in this world!”to show ________.
| A．his understanding of Julia’s anxiety |
| B．his worry about Julia’s future |
| C．his concern on the living condition of working - class people |
| D．his sympathy for the mental state of those exploited |
From the story, we can tell that Julia’s employer was ________.
| A．greedy but honest |
| B．ill - tempered but warm - hearted |
| C．strict but forgiving |
| D．none of the above |
粤公网安备 44130202000953号