Question

1. This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day.” is another way to talk about saving for the future.

People who hate to spend money are known as “tightwads”, while those who like to get the most value for their money are called “thrifty”. 2. A spendthrift is someone who spends wastefully. People like that are often said to spend money “like a drunken sailor” or “like there is no tomorrow”.

In the United States, people who want to start a savings account have different choices of where to put their money. 3. 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 rates are low. Certificates of deposit (定期存款) pay higher returns. With Certificates of deposit, people agree not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. 4. People can withdraw the money early but they have to pay a penalty.(罚金)

In many countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. 5. Many European countries have higher rates, but Americans save more than families in Japan.

A.People are willing to save money for the future.

B.Before gold, even kings take off their hats.

C.A penny saved is a penny earned.

D.Longer terms, and large amounts, pay higher interest.

E.This year the rate is expected to be a little more than four percent.

F.These include banks and credit unions.

G.A thrifty person is different from a spendthrift.

Answer 1

1.C

2.G

3.F

4.D

5.E

【解析】

试题分析：这是一篇关于理财的文章。简述了节俭与吝啬的区别，并分析了现在人们的理财方式与收益大小。

1. penny saved is a penny earned.存一分钱便是赚一分钱。由原文可知此处应填入一个引导性的句子作为文章的开头。由第一段第二句“This old saying calls attention to the wisdom of saving money.”可知这句老话的意思是要注意会存钱的智者，从而在下面选项中寻找相似的句子，只有A和C是关于save money的，而C句子为一句谚语，符合old saying，故选C。

2. thrifty person is different from a spendthrift. 节俭的人与注重挥霍的人是不一样的。联系上下文，上一句“while those who like to get the most value for their money are called “thrifty””把钱花在最有价值的地方的人叫做节俭，这里解释了什么是“thrifty”，下一句“A spendthrift is someone who spends wastefully.”挥霍是指一个人花钱很大手大脚，这里解释了什么是“spendthrift”，由此可知，第17题应填与thrifty和spendthrift相关的句子，故选G。

3. include banks and credit unions.这包括银行和信用合作。由前一句“In the United States, people who want to start a savings account have different choices of where to put their money. ”在美国，想存钱的人关于把钱存在哪儿有不同的选择，可知下一句应是介绍有哪几种选择。而且后文注重介绍了credit union可知，此处应填与credit union相关的句子，故选F。

4. terms, and large amounts, pay higher interest.期限更长，账目更大，收益更高。由原文可知，这一段主要介绍的是定期存款，所以此处应填与定期存款有关的句子。由文中“Certificates of deposit (定期存款) pay higher returns”可知定期存款收益更高，而选项D符合定期存款的特点，故选D。

5. year the rate is expected to be a little more than four percent.这一年的利率预计会略高于百分之四。由原文可知，这一段主要介绍的是在2000年，一些国家的利率情况，所以此处应填与利率相关的句子，故选E。

考点：考查经济类文章。考查学生对上下文的联系与解读。