Although credit cards are becoming a more acceptable part of the financial scene, they are still regarded with doubts by many as being a major part of the “live now pay later” syndrome（综合症）．Along with hire-purchase, rental and leasing schemes（租赁项目）, they provide encouragement to spend more money．Of course, it is only the hotheaded who give way to the temptation to live, temporarily at least, beyond their means, and such people would no doubt manage to do so even without credit cards．
Advertising campaigns have, however, promoted a growing realization of the advantages of these small pieces of plastic. They prevent need to carry large amounts of cash and are always useful in emergencies．
All the credit card organizations charge interest on a monthly basis which may work out as high as 25 per cent a year, yet sensible purchasing using a card can mean that you obtain up to seven weeks, interest-free credit．Using the card abroad, where items frequently take a long time to be included on your account, can extend this period even further．
It is worthwhile shopping around before deciding on a particular credit card. It is necessary to consider the amount of credit granted; interest rates, which may vary slightly; the number and range of outlets（经销店）, though most cards cover major garages, hotels, restaurants and department stores; and of course, what happens if your card is lost or stolen．A credit card thief may be sitting on a potential goldmine particularly if there is a delay in reporting the loss of the card．
However, if used wisely, a credit card can cost nothing, or at least help to tide you over a period of financial difficulty．
【小题1】The hotheaded are people who ________．

Old Computers Make for Unhappy Workers --- Survey
LONDON  (Reuters) ----- Dealing with the dissatisfaction of aging and unreliable office computers leads to workers' unhappiness and more sick leave, a survey showed on Wednesday.
A survey carried out by caro4free.net of over 2,700 European office workers from the UK, France and Germany found that workplace dissatisfaction increased greatly with the age of the computer equipment.
"We do know that job satisfaction is falling in Britain and most advanced nations," said Stephen White, a researcher from the Work Foundation. "The actual reasons for this are the subject of very heated discussion. It's certainly one interesting theory that technology may be the cause of this in some way," White added.
A quarter of these using outdated computers in Britain said they were "quite" or "very dissatisfied" with their everyday job compared to the percent of those who had enjoyed an advantage from up-to-date technology.
The survey also said that among workers dealing with outdated equipment, there was a 35 percent greater probability they would take six or more days of sick leave per year compared with the average worker. In France, where more workers use old computers, the probability jumped to 55 percent.
Results also showed that women in the three countries were more likely to be using outdated equipment. In the UK, where more workers have up-to-date computers than in the other countries surveyed, the number of women using old equipment doubled that of men.
White pointed out that there were two sides to this problem, saying that continuously having to deal with new technology and equipment can also be a source of worry. "Old and faulty equipment is a major cause of office dissatisfaction. There is no question about it; but you also have to say that the frequent change of equipment is also, or could be, a main cause of dissatisfaction."
【小题1】The underlined word "this" (paragraph 3) refers to ______.

Have you ever wondered what you’d do in a moment of danger and how you’d  36  to a terrorist on the plane or a guy wearing a mask and waving a gun while you’re standing  37  at the bank?
Stephanie Davies  38 .
The 21-year-old girl  39  such a moment last week in a  40  in Aurora, Colo., where she went to a late night showing of “The Dark Knight Rises” with her  41  , Allie. All of a sudden, a gas can flew by close to the two girls.  42  , Allie stood up and was shot in the  43  by a gunman. Stephanie saw Allie fell down in the aisle(过道), blood pouring out of her neck.  44  she moved on her knees to her friend, pulled her out of the aisle and pressed the wound with her fingers  45  the gunman moved around, firing into the  46  crowd. When the gunman again walked past the aisle, they played dead until he  47  .
Heroic? Well, clearly heroic.
“  48  Stephanie’s timely actions, I just talked with Allie, who is going to be fine,” said President Barack Obama after meeting the two girls in the hospital.
And Stephanie wasn’t the  49  hero in the theater that dark night in Aurora. Three young men---Jon,26, Matt,27 and Alex, 24---used their own  50  to protect their respective(各自的) girlfriends from the gunman’s bullets. Jon took a bullet for his girlfriend. The stories were  51  for Matt and Alex. The three men were among the 12 who didn’t come out of the theater alive.
“The  52  actions of these young Americans,” President Obama said, “represent what’s best in us, and they  53  us that out of this darkness a brighter day is going to come. I have the greatest  54  for people like Stephanie, Jon, Matt and Alex who don’t  55  to do what the situation demands, bringing heroic light to the darkest of dark nights.”

Make the most of college
Dear Daughter,
As we drove off from Columbia, I wanted to write a letter to you to tell you all that is on my mind.
First, I want to tell you how proud we are. Getting into Columbia is a real testament（ 证明）of what a great well-rounded student you are. You should be as proud of yourself as we are.
Your college years will be the most important of your life. It is in college that you will discover what learning is about. This will be the period when you go from teacher-taught to master-inspired, after which you must become self-learner. So do take each subject seriously, and even if what you learn isn’t extremely impotant for your life, the learning skills you gain will be something you will cherish（怀念） forever.
Follow your passion in college. Take courses you think you will enjoy. Don’t be trapped by what others think or say, but make up your own mind.
Most importantly, make friends and be happy. College friends are often the best in life. Pick a few friends and become really close to them – pick the ones who are sincere and honest to you.  Don’t worry about their hobbies, grades, looks or even personalities.
Start planning early – what would you like to do? Where would you like to live? What would you like to learn? I think your plan to study fashion is good,  and you should decide where you want to be, and get onto the right courses.
Whether it is summer-planning, or coursework planning, or picking a major,  or managing your time, you should take control of your life. I will always be there for you, but the time has come for you to be in the driver’s seat – this is your life, and you need to be in control. Being in control feels great. Try it, and you’ll love it!
College is the four years where you have:
l The greatest amount of free time
l the first chance to be independent
l the most flexibility（灵活性）to change
l the lowest risk for making mistakes
So please treasure your college years – make the best of your free time, become an independent thinker in control of your destiny（命运）, be bold（敢于冒险的） to experiment, learn and grow through your successes and challenges.
May your years at Columbia be the happiest of your life, and may you become just what you dream to be.
Love,
Dad (&Mom)
【小题1】What does the author think college life holds in store for his daughter? ______

While reading a story on 20-somethings complaining about how the economy was ruiningg their life plans, I couldn’t help but think the 20-somethings sounded like a bunch of spoiled who grew up expecting everything to be easy for them. As a 20-something myself, certainly share their disappointment : my husband and I probably won’t be able to buy a house until we’re in our 40s, and we two are burdened by student loans(贷款). But why should it be any different? Being young persons in America, shouldn’t they take up all of the challenges and opportunities that this country offers?
Consider some of these views shared in the story: Jennifer, 29, owner of a two-bedroom apartment with her husband, worries that she won’t be able to have children for at least a decade because they can’t afford to buy a house yet.
I read that, and I thought what planet she is living on where you need to own a house in order to have kids? Has she ever visited a developing country, or even downtown areas in this one? Home ownership is a luxury(奢华), not a fertility requirement.
A 26-year-old in the story is disappointed that he can’t afford to get a Ph. D in literature. Well, that sounds a bit like expressing disappointment that no one will pay you to write poetry on the beach in Thailand for five years.
Yes, it’s sad that these young people feel so lost. But I think the problem is their extremely high expectations, not economic reality. Beth Kobliner, author of Personal Finance in Your Twenties and Thirties, says that she thinks people’s expectations grew up at a time when everyone’s wealth appeared to be increasing, Their parents probably saw their home values rise along with their investments. “So you have people who have grown up in an environment where people had great expectations of what living well means,” says Kobliner.
This recession(经济衰退) will certainly play a role in forcing those expectations into more realistic group. In the meantime, it seems a lot better for our mental health to focus on being grateful---for our one-bedroom apartments, for living in modern cities, or perhaps just for being able to eat three meals a day---than on longing for some kind of luxury life.
【小题1】. What makes the author think the 20-somethings sound like a bunch of spoiled children?