Save money or borrow money?

导读：　Save money or borrow money?篇一：2014年6月英语六级作文预测范文：存钱和提前消费 ...

Save money or borrow money?篇一：2014年6月英语六级作文预测范文：存钱和提前消费

英语六级培训：英语四级一对一咨询qq：1613508081

Save Money or Borrow Money?

1．有人喜欢存钱

2．有人却喜欢提前消费

3．我喜欢…

【范文】

Save Money or Borrow Money?

Mentioning money, some people like to deposit it in the bank, while others like to consume it in advance. Money saved by people is mainly for: buying a house; in case of emergencies or diseases, car accidents, unemployment, earthquakes, and things like that; in case of college expenses of their children; for retirement, and so on. People believe that saving money is essential to lead a comfortable life. Having money in the baiik allows people to pay for vacations or expensive purchases like furniture or doctor bills m cash*

With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on tbe next payday. They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods by mstal^uents. Second, many banks make some preferential policies on credit cards, like sending a. gift or lowering year cost* which is a big attraction,

On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And Vm opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole ftnandal sources.

英语六级培训：英语四级一对一咨询qq：1613508081

Save money or borrow money?篇二：英语

题目要求：

Holiday Economy

1.“假日经济”对人们来说，已不再陌生

2. 面对“假日经¬济”的热潮，人们态度各异

3. 在我看来…

参考范文：

Holiday Economy

Holiday economy is not new to people all around the world. In China, it stands for the nationwide one-week holiday starting from October 1st (the National Day). The government established the week-long holiday back in 1999 to stimulate domestic spending. Tour operators, retailers, and wedding halls have been cashing in ever since.

However, there are shifting perspectives about holiday economy. Many people, including some economists, think positively about holiday economy. They believe that tourism-based holiday economy has increased consumption and helped to spur the domestic demands.

While others, who worry about the negative effect of holiday economy, argue that holiday economy do more harm than good. For example,

during the extended holiday, scenic spots are overloaded with tourists, and it not only spoils the relaxing mood of the tourists, but also overburdens the tourist attractions.

In my opinion, both sides are reasonable. We should take good

advantages of the holiday to develop economy while trying to tackle the problems existed with practical measures. Only in this way can we not only enjoy the pleasure golden week endows us, but also promote the development of holiday economy soundly.

参考范文：

The Way to Success

There are many ways to success, such as hard working, passion or good preparations. From Honore De Balzac’s famous remark, “There is no such thing as a great talent without great will power”, we can see that the way to success is having a strong will.

A strong will is essential if we want to achieve our goals. Initially, every success involves several stages of setbacks and risks, and we need to summon up our will to overcome them. Moreover, there are

enormous temptations in our path of the pursuit of success. Only with a

strong will can we resist the temptation, and persist in chasing our goals until we reach them.

The long history of human being has also proved that only those with a strong will can achieve success at last. We are all familiar with

Thomas Edison’s story that he had tried one thousand kinds of materials before he finally made his great bulb light up. Without a strong will, Edison might have been a nobody. Without a strong will, no one can succeed.

题目要求：Student Investors in the Stock Market

1.目前越来越多的大学生炒股

2.人们对大学生炒股看法不一

3.我的看法

参考范文：

Student Investors ID the Stock Market

China’s stock market is luring students looking to sec how their textbook teachings fare in real life. While there arc no concrete data on

the student- investor, business professors say tbe market boom has boosted the number of students looking to play around with stocks.

They invest in the stock market with money from parents and sometimes with amount equal to several times their annual tuition.

Some people are alarmed at the trend. As investing in the stock market involves many risks, they say，college students are very likely to lose, which may put students' &miiy assets at risk. However, some are supportive. As more and more students become sbarebolders, they will help raise tie general quality of shareholders and there will be more

rational stock buyers in securities market， which is actually a good thing. In my view, college students may give stock investment a try if possible. Stock investment may be a way to make fast money and help finance students* schooling. Even if the students are likely to lose in the stock market, it may still bring about valuable investment experience — they can、learn if they don’t tiy.

Reform of English Education

1.目前要求改革大学英语教育的呼声很髙

2. 产生这一现象的原因

3. 你认为应如何改革英语教育

参考范文：

Reform of English Education

As college English education is greatly emphasized with the rapid development of global commuiiicaticm，tbe defects that exist in the current educational system are open to more criticism- It is widely acknowledged that a thorough reform of college English education should be under way.

People ask for English education reform mainly because of the Inadequacy of college English education under the current system. On the one hand, many coilege English teachers underestimate the role interest plays in English learning and keep preaching in class. On the other h^nd, under the current system, most Chinese students tend to separate vocabulary memorizing, grammar, Hsteniiig, speaking, reading, and writing ftom each other and therefore their English is also “broken” in this way. This has also greatly contributed to the “dumb English” of many Chinese students.

Save money or borrow money?篇三：六级范文

作文话题：

Aging of the Population 1. 我国人口老龄化现象日趋明显 2. 人口老龄化带来的问题 3. 如何妥善解决人口老龄化问题

范文：

Aging of the Population

Population officials and demographers have much to worry about China’s increasingly aging population. It is estimated that the proportion of people aged 60 or older in China will rise to 11.8 percent in 2020. By the middle of this century, people aged beyond 60 will take up 27.4 percent of the total population — that means one out of every four people will be senior!

The aging population poses a serious challenge to families and the society. On the one hand, with families becoming smaller and living pace escalating, it is even graver for families to care for aged members adequately. On the other hand, aging causes a relative decline in working force. Consequently, the productivity of the whole society will be affected to some extent.

The rapidity of the population’s aging has made it more urgent for the adoption of countermeasures. There is no doubt that the key is to build a solid economic foundation. Meanwhile, importance should be attached to overall social progress by changing the backward situation in social security, welfare and service. What’s more, family care and community-based services should also be encouraged. 作文话题：

Student Investors in the Stock Market

1.目前越来越多的大学生炒股

2.人们对大学生炒股看法不一

3.我的看法

范文：

Student Investors ID the Stock Market

China’s stock market is luring students looking to sec how their textbook teachings fare in real life. While there arc no concrete data on the student- investor, business professors say the market boom has boosted the number of students looking to play around with stocks. They invest in the stock market with money from parents and sometimes with amount equal to several times their annual tuition.

Some people are alarmed at the trend. As investing in the stock market involves many risks, they say，college students are very likely to lose, which may put students and ministry assets at risk. However, some are supportive. As more and more students become shareholders, they will help raise tie general quality of shareholders and there will be more rational stock buyers in securities market， which is actually a good thing.

In my view, college students may give stock investment a try if possible. Stock investment may be a way to make fast money and help finance students' schooling. Even if the students are likely to lose in the stock market, it may still bring about valuable investment experience — they can learn if they don’t try.

Save Money or Borrow Money?

1．有人喜欢存钱 2．有人却喜欢提前消费 3．我喜欢„ 范文：

Save Money or Borrow Money?

Mentioning money, some people like to deposit it in the bank, while others like to consume it in advance. Money saved by people is mainly for: buying a house; in case of emergencies or diseases, car accidents, unemployment, earthquakes, and things like that; in case of college expenses of their children; for retirement, and so on. People believe that saving money is essential to lead a comfortable life. Having money in the batik allows people to pay for vacations or expensive purchases like furniture or doctor bills cash.

With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on the next payday. They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods. Second, many banks make some preferential policies on credit cards, like sending a gift or lowering year cost which is a big attraction, On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And I am opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole Vandal sources.

作文话题：

Directions: For this part，you are allowed 30 minutes to write a short essay entitled The Importance of Diligence by commenting on the proverb "Diligence is the mother of good luck." You should write at least 150 words but no more than 200 words. 范文：

The Importance of Diligence(勤奋的重要性）

“Diligence is the mother of good luck，”as the saying goes, which means hard work and perseverance bring about fortune and success. However, it does not mean exerting oneself all day and night without rest, food or sleep.

From my point of view, diligence is of vital significance in one’ s life and career. There are some reasons as follows. Firstly, industrious spirit is an indispensable quality that makes a person stand out, as most people are biologically endowed with almost the same IQ. Secondly, diligence leads to accomplishments while laziness must result in failure. An idle man indulges himself in creature comforts. That he is doomed to failure is of no doubt. Lastly, diligence helps remove ignorance, overcome difficulties, and enlighten the mind.

Therefore, it can be said that being diligent costs nothing but is worthy of millions of dollars. All in all, I hold the view that diligence is crucial in one’s life.

Save money or borrow money?篇四：存钱作文

Save Money or Borrow Money?

1．有人喜欢存钱

2．有人却喜欢提前消费

3．我喜欢…

范文】

Save Money or Borrow Money?

Mentioning money, some people like to deposit it in the bank, while others like to consume it in advance. Money saved by people is mainly for: buying a house; in case of emergencies or diseases, car accidents, unemployment, earthquakes, and things like that; in case of college expenses of their children; for retirement, and so on. People believe that saving money is essential to lead a comfortable life. Having money in the baiik allows people to pay for vacations or expensive purchases like furniture or doctor bills m cash*

With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on tbe next payday.

They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods by mstal^uents. Second, many banks make some preferential policies on credit cards, like sending a. gift or lowering year cost* which is a big attraction, On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And Vm opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole ftnandal sources.

Save money or borrow money?篇五：英语四六级考试作文精选(二)

Directions: For this part, you are allowed 30 minutes to write a composition on the topic Media and Shopping. You should write at least 150 words according to the outline given below in Chinese:

1. 当今，各种媒体非常发达，人们通过媒体购物相当普遍起来;

2. 媒体购物给人们带来很多方便，同时也暴露出其弊端;

3. 我的看法。

【思路点拨】

提纲第1点指出一种新兴事物时下非常流行，提纲第2点针对比该事物的优势和缺陷，提纲第3点要求表明“我”的看法，由此可判断本文应为利弊对比型作文。根据所给提纲，本文应包含如下内容：描述时下媒体发展迅猛，媒体购物也逐渐流行;阐述其优点和弊端;最后谈谈自己的看法拟或是提出对策如何最大限度的减少其弊端的影响。网络课堂对传统课堂的挑战;提出关于网络课堂是否会取代传统课堂的两种不同观点并说明理由;表明“我”的态度并说明理由。

【参考范文】

Media and Shopping

With numerous technological advances, various kinds of media have been well developed. As a result, an increasing number of people are fond of purchasing goods with the help of media, such as newspapers, radio stations, TV stations and the Internet.

As we know, there are always two sides to everything and shopping via media is no exception. On the one hand, it saves much time, money and effort to purchase goods through media since you don’t have to go to the shops in person. Besides, you can choose what you want from an enormous variety of goods on display. On the other hand, you may be cheated sometimes by the false information and suffer a considerable loss. As far as I am concerned, shopping via media brings great benefits to our life and our economy on the whole. At the same time, we need strengthened supervision over the information released via media. In this way, we can gain more benefits from shopping via media and reduce the possible harm to a minimum.

For this part, you are allowed 30 minutes t owrite a short essay entitle My View

on Plastic Surgery. You should write at least 150 words according to the outline given below in Chinese.

1 越来越多的人接受整容手术

2 我的看法及理由

3 结论

题目分析：

观点论证型作文要求对某一问题发表自己的看法。通常要在首段提出话题，以及关于此话题不同的反应，并表明自己的观点，接下来要在主题段落里论述理由，最后在结尾重申一下自己的观点。

参考范文：

My View on Plastic Surgery

In recent years, more and more people, especially some young girls choose to take plastic surgeries. Some people argue that this kind of surgery can improve one’s appearance, thus secure a good job. Others hold a different opinion, they consider plastic surgery as a waste of money. Personally, I agree with the latter. Firstly, beauty is only skin-deep, as the saying goes, virtue is more important than appearance. Plastic surgery cannot improve one’s character. Who do you think is more popular, an ordinary girl with charming personality, or a beautiful girl with arrogant manner? Secondly, success relies on one’s abilities but not appearance. Some people, especially young girls dream to find a good job after taking plastic surgery. For example, it takes one at least 30,000 Yuan to have double eyelid. Fourthly, people have to bear the risks of an unsuccessful surgery which will be a lifelong pain.

All in all, it is not advisable for people to take plastic surgeries. We can get what we want by improving our inner qualities, such as our personality and ability, and there is no need to endure the pains and economic loss of a plastic surgery. 好词佳句总结：

Beauty is only skin-deep, as the saying goes

就像俗语所说的那样，外在美不过是表面现象

bear the risks 承担风险

competent and well-trained people 有真才实学的人

arrogant 傲慢的，自大的

must 作名词使用

e.g.His new novel is a must for all lovers of crime fiction

The Road to Happiness

If you look around at the men and women whom you can call happy, you will see that they all have certain things in common. The most important of these things is an activity which at most gradually builds up something that you are glad to see coming into existence. Women who take an instinctive pleasure in their children can get this kind of satisfaction out of bringing up a family.

Artists and authors and men of science get happiness in this way if their own work seems good to them. But there are many humbler forms of the same kind of pleasure. Many men who spend their working life in the city devote their weekends to voluntary and unremunerated toil in their gardens, and when the spring comes, they experience all the joys of having created beauty.

The whole subject of happiness has, in my opinion,been treated too solemnly. It had been thought that man cannot be happy without a theory of life or a religion. Perhaps those who have been rendered unhappy by a bad theory may need a better theory to help them to recovery, just as you may need a tonic when you have been ill. But when things are normal a man should be healthy without a tonic and happy without a theory. It is the simple things that really matter. If a man delights in his wife and children, has success in work, and finds pleasure in the alternation of day and night, spring and autumn, he will be happy whatever his philosophy may be. If, on the other hand, he finds his wife fateful, his children’s noise unendurable, and the office a nightmare; if in the daytime he longs for night, and at night sighs for the light of day, then what he needs is not a new philosophy but a new regimen

—a different diet, or more exercise, or what not. Man is an animal, and his happiness depends on his physiology more than he likes to think. This is a humble conclusion, but I cannot make myself disbelieve it. Unhappy businessmen, I am convinced,would increase their happiness more by walking six miles every day than by any conceivable change of philosophy.

Save Money or Borrow Money?

1.有人喜欢存钱

2.有人却喜欢提前消费

3.我喜欢„

【范文】

Save Money or Borrow Money?

Mentioning money, some people like to deposit it in the bank, while others like to consume it in advance. Money saved by people is mainly for: buying a house; in case of emergencies or diseases, car accidents, unemployment, earthquakes, and things like that; in case of college expenses of their children; for retirement, and so on. People believe that saving money is essential to lead a comfortable life. Having money in the baiik allows people to pay for vacations or expensive purchases like furniture or doctor bills m cash*

With the world entering a consuming era, many people, especially young white-collars and college students, choose to borrow money. In other words, they spend money in advance _ use credit cards and pay back the loan and interest on tbe next payday. They argue that: first, they could enjoy the convenience of credit cards and purchase expensive goods by mstal^uents. Second, many banks make some preferential policies on credit cards, like sending a. gift or lowering year cost* which is a big attraction,

On my personal level, I approve of saving money — in case of emergency, you do not need to turn to others for help, at least. And Vm opposed to the abuse of credit cards among college students. Since in most cases, parents arc their sole ftnandal sources.

Holiday Economy

1.“假日经济”对人们来说，已不再陌生

2. 面对“假日经¬济”的热潮，人们态度各异

3. 在我看来„

【范文】

Holiday Economy

Holiday economy is not new to people all around the world. In China, it stands for the nationwide one-week holiday starting from October 1st (the National Day). The government established the week-long holiday back in 1999 to stimulate domestic spending. Tour operators, retailers, and wedding halls have been cashing in ever since.

However, there are shifting perspectives about holiday economy. Many people, including some economists, think positively about holiday economy. They believe that tourism-based holiday economy has increased consumption and helped to spur the domestic demands. While others, who worry about the negative effect of holiday economy, argue that holiday economy do more harm than good. For example, during the extended holiday, scenic spots are overloaded with tourists, and it not only spoils the relaxing mood of the tourists, but also overburdens the tourist attractions. In my opinion, both sides are reasonable. We should take good advantages of the holiday to develop economy while trying to tackle the problems existed with practical measures. Only in this way can we not only enjoy the pleasure golden week endows us, but also promote the development of holiday economy soundly.

Graduate Craze

1. 现在许多人热衷于考研究生

2. 其目的各不相同

3. 在我看来„„

【范文】

Save money or borrow money?篇六：To borrow or raise money in such manner as the C

) To borrow or raise money in such manner as the Company shall think fit and in particular by the issue (whether at par or at a premium or discount and for such

consideration as the Company may think fit) of bonds, debentures or debenture stock (payable to bearer or otherwise), mortgages or charges, perpetual or otherwise, and if the Company thinks fit charged upon all or any of the Company's property (both present and future) and undertaking including its uncalled capital and further, if so thought fit, convertible into any stock or shares of the Company or any other

company, and collaterally or further to secure any obligations of the Company by a trust deed or other assurance.

(32) To guarantee or otherwise support or secure, either with or without the Company receiving any consideration or advantage and whether by personal covenant or by mortgaging or charging all or part of the undertaking, property, assets and rights (present and future) and uncalled capital of the Company or by both such methods or by any other means whatsoever, the liabilities and obligations of and the payment of any monies whatsoever (including but not limited to capital, principal, premiums, interest, dividends, costs and expenses on any stocks, shares or securities) by any person, firm or company whatsoever including but not limited to any company which is for the time being the holding company or a subsidiary (both as defined by Section 2 of the Companies Ordinance (Cap. 32)) of the Company or of the Company's

holding company or is otherwise associated with the Company in its business, and to act as agents for the collection, receipt or payment of money, and to enter into any contract of indemnity or suretyship (but not in respect of fire, life and marine insurance business).

(33) To draw, make, accept, endorse, negotiate, discount, execute, issue, purchase orotherwise acquire, exchange, surrender, convert, make advances upon, hold, charge, sell and otherwise deal in bills of exchange, cheques, promissory notes, and other negotiable instruments and bills of lading, warrants, and other instruments relating to goods.– 6 –

(34) To give any remuneration or other compensation or reward (in cash or securities or in

any other manner the Directors may think fit) to any person for services rendered or to be rendered in the conduct or course of the Company's business or in placing or procuring subscriptions of or otherwise assisting in the issue of any securities of the Company or any other company formed or promoted by the Company or in which the Company may be interested in or about the formation or promotion of the Company or

any other company as aforesaid.

(35) To grant or procure pensions, allowances, gratuities and other payments and benefits

of whatsoever nature to or for any person and to make payments towards insurances or

other arrangements likely to benefit any person or advance the interests of the Company or of its Members, and to subscribe, guarantee or pay money for any

purpose likely, directly or indirectly, to further the interests of the Company or of its

Members or for any national, charitable, benevolent, educational, social, public, general or useful object.

41) To do all and any of the above matters or things in any part of the world and either as

principal, agent, contractor, trustee, or otherwise and by or through trustees, agents or otherwise and either alone or in conjunction with others, and generally upon such terms and in such manner and for such consideration and security (if any) as the Company shall think fit including the issue and allotment of securities of the

Company in payment or part payment for any property acquired by the Company or– 7 –

any services rendered to the Company or as security for any obligation or amount (even if less than the nominal amount of such securities) or for any other purpose.

Save money or borrow money?篇七：unit 8 money

Save money or borrow money?篇八：阅读理解1

Persons who are overweight should watch their diet carefully in order to lose pounds. The, best way to do this is to start a weight control program. At first it is wise to talk with your doctor. He can advise you of the number of calories(卡路里) you should have in your meals each day. He can tell you about exercising while on your diet. A good rule is to lose slowly. A loss of a pound or two is plenty.

Plan meals around foods you know. This means that it is wise to include foods that you are used to and that are part of your regular eating habits. When you have lost the weight you wish, simple items can be added to your diet so that you can maintain the weight you want. While you are dieting, try to build a pattern of eating that you can follow later to maintain your desired weight.

When dieting, choose low-calorie foods. Avoid such items as fats, fried food, sweets, cakes, cream and soft drinks. Try to take coffee and tea without sugar or cream. Snacks can be part of your diet. For example, a piece of fruit or a simple dessert saved from mealtime can be eaten between meals.

Keep busy! This way you will not be tempted to go off the diet. Make full use of opportunities to exercise. Try walking instead of riding whenever possible. Happy dieting!

41. What is the main idea of the passage?

A) How to diet.

B) Why we should diet.

C) What we should diet.

D) Where we should diet.

42. While dieting you should ________.

A) choose fried foods

B) choose low-calorie food

C) choose snack as hamburger in McDonalds

D) talk to your doctor

43. When you have lost the weight you wish, you can ________.

A) have some more simple items in your diet

B) eat more and more foods you like

C) stop dieting

D) tell the doctor what you've done

44. According to the passage, which of the following statements is NOT true?

A) While dieting, you should ask the doctor so that you can lose your weight quickly.

B) Plan meals means to have some foods you like and take them as your daily eating habits.

C) When you have lost your weight, you can have some coffee and tea without sugar or cream.

D) As you are dieting, don't forget exercise.

45. If you want to start a weight control program, you should ________.

A) ask your doctor

B) plan meals and choose low-calorie foods

C) do some exercise

D) all of the above

参考译文

肥胖人士要减肥的话，必须要密切关注自己的饮食。最好的方法就是开始一项体重控制计划。首先，与你的医生讨论这个问题，这是明智之举。他可以建议每天你应该食用的卡路里的数量，他可以告诉你在节食的时候要注意运动。一个很好的方法就是慢慢地减肥，一次减少一两磅就很多了。

用你熟悉的食物计划你的三餐。这就意味着，你的节食计划里应该包括那些你习惯了的、成为你通常饮食习惯一部分的食物。当你达到你希望的重量时，可以将一些简单的食物添加到你的饮食中，以便你能保持你想要的体重。当你节食的时候，试着养成一个以后你还能保持的饮食习惯，从而可以维持你的理想体重。

节食时，要食用低卡路里的食物，不要吃如肥肉、油炸食品、糖果、蛋糕、奶油和软饮料之类的东西。试着喝不带糖和奶油的咖啡或茶。小点心可以是你食谱的一部分。例如，可以在正餐之间吃一片水果或者一份饭后剩下的简单的甜点。

保持忙碌!这样的话你将可以脱离你的食物。充分利用各种锻炼的机会，只要有可能，就要尽量走路而不是开车。节食愉快!

答案及精解

41.【答案精解】A。主旨题。文章第一段第一、二句话Persons who are overweight should watch their diet carefully in order to lose pounds.The best way to do this is to start a weight control program点明了本文的主要内容是„the best way to do，即方法问题。

42.【答案精解】B。细节题。从原文第二段'When dieting，choose low-calorie foods.可以找到答案。

43.【答案精解】A。细节题。原文第二段When you have lost the weight you wish，simple items can be added to your diet so that you can maintain the weight you want。减到理想体重以后，就可以吃一些简单的食物。

44.【答案精解】A。判断题。第一段末尾，作者建议A good rule is to lose slowly.A loss of a pound or two is plenty应该慢慢地减肥，选项A，医生会建议你迅速减肥是错误的。

45.【答案精解】D。判断题。文章说，要减肥的话，就要开始减肥计划，并与医生讨论这个问题，计划好三餐饮食，并要加强锻炼。所以A、B、C都是正确答案。

A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home, so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called “take a mortgage (抵押).”The bank usually lends money or gives a mortgae for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50 000. In other words, they will have a $ 50 000 mortgage.

How can you get a mortgage? When you find a house you like, you go to a bank. The bank will research you financial (金融的) history and decide if. they think you are a good risk. They will want to know what kind of job you have, what kind of salary you make, and how long you have had the job. They will also want to know how much money you have. In addition, the banks will require a down payment. Depending on which state you live in, the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

41. What does a house mean in the United States?

A) It is a dream which many people can hardly realize.

B) It is so expensive that many people cannot really buy them.

C) It is the most important property that many people try to buy.

D) It doesn't belong to people if they can't borrow money from the bank.

42. If American people borrow money from the bank for 25 years, this means that the person who borrows

A) has twenty-five years to pay back the money

B) has more than twenty-five years to pay back the money

C) has less than twenty-five years to pay back the money

D) has about twenty-five years to pay back the money

43. What does“down payment”refer to in the passage?

A) Money borrowed from a bank as a mortgage.

B) Money paid to a bank before the mortgages is given.

C) Interest received by a person who borrows money as the mortgages.

D) Interest charged by a bank on a mortgage.

44. Which is not one of the things researched by a bank?

A) How much money the borrower owns.

B) What salary the borrower makes.

C) What kind of job the borrower has.

D) What kind of house the borrower lives in.转自环 球 网 校edu24ol.com

45. The most suitable title for this passage would be _______.

A) How to Save Money on the House

B) How to Borrow Money from a Bank

C) How to Take a Mortgage

D) How to Buy a House

参考译文

房子是大多数人将要购买的最昂贵的物品。很少有人自己有足够的钱来购房，因而人们不得不从银行贷款。从银行借钱购房被称为“作抵押”。银行通常的借款期或抵押期可达25年。当前房价如此之高，以至人们的借款额高达50 000美元。换句话说，他们将有50 000美元的抵押款。

怎样获得抵押贷款呢?找到自己喜欢的房子后，到一家银行去。银行会审查你的金融纪录，而后决定你是否是一个风险较小的人。他们要了解你的工作类型，薪水收入，以及工作年限。他们还要了解你有多少钱。此外，银行还要求付首付款。根据所居住的不同的州，银

行可能要求房价的30%作为首付款，而后银行将借给你购房所需的剩余部分款项。许多人因攒不到足够的钱付首付款，从而就根本没有能力购房。

答案及精解

41.【答案精解】C。细节题。从第一句A house is the most expensive thing most people will ever buy我们可以得知.房子是人们所要购置的最重要的财产。A、B两项都提到买房子的不可能性，与文章中的抵押贷款从而购房相悖。D项过于绝对化，并不是所有的人都必须通银行贷款才买得起房子。

42.【答案精解】A。细节题。从文章第一段The bank Usually lends money or gives a mortgage for twenty-five years得出银行的借期是25年，是一准确的数字，而不是多于、少于或大约25年。

43.【答案精解】B。释义题。从“down payment”的后一句话The bank will then lend you the rest of the money to buy the house可以推知“down payment”是在取得贷款之前自己先支付的那部分款项，即首付款。

44.【答案精解】D。细节题。题干询问的是银行查询的内容，集中在文章第二段，可以用对比排除的方法得出答案。A、B、C三项文章都有提及，剩下的一项即为正确答案。

45.【答案精解】C。主旨题。文章第一段由购房展开，引出了在当前房价高的形势下，人们购房所采用的方式——抵押贷款。并于第二段展开说明如何进行抵押贷款。故其主旨在于说明如何抵押贷款。所以文章标题可能是“如何获得抵押贷款”。D项如何购房的标题太大了.超出了文章所覆盖的范围。

Interact use appears to cause a drop in psychological health, according to research at Carnegie Mellon University.

Even people who spent just a few hours a week on the Internet experienced more bad feelings and loneliness than those who was online less frequently, the two-year study showed. Researchers are puzzling over the results, which were completely contrary to their expectations. They expected that the Net would prove socially healthier than television, since the Net allows users to choose their information and to communicate with others.

The fact that Internet use reduces time available for family and friends may account for the drop in psychological health, researchers hypothesized (推测). Faceless, bodiless“virtual”(虚的) communication may be less psychologically satisfying than actual conversation, and the relationships formed through it may be shallower. Another possibility is that exposure to the wider world through the Net makes users less satisfied with their lives.

Save money or borrow money?篇九：托福口语机经第四批 答案

1. Describe one way of life in your country has been changed and why it is beneficial

2. Do you like to prepare for something in the beginning or wait just before the due date?

Well, for me , I prefer to finish my work as quickly as possible for several reasons. First of all, I don’t like to be rushed. Starting as soon as possible allow me to make a schedule to follow. With my own plan, I can manage the task step by step, which won’t make me feel tense. Furthermore, it allows me to prepare enough to finish the task. With good preparation, I can just finished the work efficiently. Thus,I can save a lot of time to do other things. In some cases, a flood of works may overwhelm you at the same time, it is wise to cope with them as soon as you can.

3. One of your friends is going to study math as his major. What suggestions would you give to this friend?

I think I will give three reasons to my friend if he is going to study math as his major. First, he need to be patient. Math is a basic subject of many fields. However, it is also very difficult. To be a good learner in math , he should calm down and concentrate on the math problem. Second, cooperation is also very important. He can found a math team. During the learning process, they can help each other to get better results. Third, he may learn some other subject as well if he get free time. Math is basic subject and it can be applied to many other areas. Put it into practice and he will learn much more.

4. Some people would borrow money to buy things they need. Others would save up money until they can afford it. Which would you do and why?

For me, I think premature consumption, which means people can borrow money from other people or banks to buy things, is very fashionable and reasonable. As long as I have a steady job, I would choose to borrow money to buy things like a car ,a house and so on. It may be too expensive for me right now, for example, a house. But I really need it. It may take a long time for me to save money to buy it. If I buy it in advance, I can enjoy a comfortable life for a long time. And another reason is thatI will be pushed to work harder if I borrow money from others. Driven by some pressure, I may try my best to achieve myself.

5. Talk about two singers who are popular in your country. Explain why they are popular and how they are different

I want to talk about two famous singers in my country, they are Zhou jielun and Song zuyin. They both sing a lot of beautiful songs and they even cooperate in the CCTV Spring Festival Gala. Their songs are positive and always have beautiful melody. Both of them win many prizes in china. Meanwhile, they are very different. Zhou jielun is a pop singer as well as a Composing Artiste. He created many famous popular songs. His voice is deep, which makes people feel sentimental. And song zuyin is a folk singer. Her voice is high and strong, which deliver a sense of power. Despite these, they gain great popularity in china.

6. When they meet a problem, some people prefer to seek advice or help from people who are older than they are, while others prefer to seek advice or help from people of thesame age. Which do you prefer and why?

Personally speaking, I prefer to seek help from people who are older than me. Their experiences are richer than me and they may came across the similar situation. Consequently, they can help me look deep into a fact, figure out the solution or get out of trouble. With their suggestions ,I will not stray too far from the right road. For example ,whenI get some troubles in my study, I always turn to my senior or teacher for help. Indeed, I got a lot of useful information from them including study plan, college life and even career information.

.

7. Are the living standards of people today better than the past?

Of course, I believe the living standard of people today is much better than the past. For proof, look no further than the food we eat today. In the past, people concerned more about the material needs. They worked harder but they cannot afford enough food, not to mention to enjoy a variety of delicious food today. Nowadays, with the development of economy and culture, people lead a more comfortable life. The transportation is convenient, the house is tidy, the hospital is advanced. Further more, the spiritual needs of people are also satisfied. People can leave a lot of time learning, reading or developing their own interests. So I think both the material life and spiritual life are advances, and the living standard is much better nowadays.

8. Do you agree or disagree with the following statement: Internet plays an important role in your life. Use specific examples and details to support your answer.

Nowadays, the internet plays ansignificant and irreplaceable role in the modern life. With the convenient access to the internet, people learn fast. They can collect almost any information they need within seconds on computers. People save the time for searching the information and use the saved time to learn more knowledge. Based on the internet, remote education developed around the world. Furthermore, the internet also change the way people work. In modern society, we can hardly see a company without a computer. Computer accelerate the process of

work and help the company get more profits. And the last thing I want to mention is the Internet industry. It provides a variety of jobs and some famous enterprise developed such as Alibaba,Sina,Tencent and so on.

9. Do you agree or disagree with the following statement? Students nowadays work harder in their study than students in the past

I agree with the point that students nowadays work harder than the students in the past. First, the number of students is much larger than the past. They have to make full efforts to get good academic achievement. Only in this way, they can get further education and get a better future. To be honest, there are not many students in the past, so the Competitive pressure is relatively small. Second, today we live in a world with variety of information flooding in. Students need to learn to handle much more subjects. Compared with the past students, students nowadays have a much more heavy schedule. If they want to get a good result, they have to work much harder.

10. One of your friends has suddenly received a large amount of money and has askedyou for advice on how to handle this money. What advice would you give to your friend? Give reasons for your answer.

.

11. Do you agree or disagree with this statement? People should dress according to the latest fashion.

I think there is no need for people to dress according to the latest fashion. My reasons are as follows. First of all, it costs a lot of time. If people always dress the fashionable cloth, they have to spend a lot of money to buy latest cloth, because one type of cloth cannot be popular for a long time. The changes in the fashion are not predictable. Second, fashion is not necessarily beauty. Sometimes, fashionable cloth is erratic in some degree. And some fashionable cloth is not very comfortable. Furthermore, not everyone suits fashion. Everyone has his / her own style. If people dress according to the latest fashion random, they may look strange and abrupt.

12. Currently, air pollution is a serious problem. Describe several ways to reduce air

pollution.

In order to reduce air pollution and have more clear air, I think the following steps should be taken. First, we need to reduce the use of cars. Since more and more cars are produced, the roads become quite crowed. In the meanwhile, more and more exhaust gas is emitted into the atmosphere. It is reported that the emission from the cars in the city plays a significant role in air pollution and cause of certain illness like cough, lung disease. So limiting the number of cars in cities is necessary.Second, we need to plant more trees. As we know, trees in the city help to clean the air and reduce the pollution of noise. If we plant more trees, we can get more fresh air.

13. Some prefer to live in historic and old houses while others prefer to live in new and modern buildings. Which one do you prefer?

As for me ,I prefer to live in a new and modern buildings. My reasons are as follows. First of all, living in historic and old houses is dangerous. Since they were used for a long time, some problems such as electric wire problem may occur. Some of my friends live in old and historic house, and they are annoyed by such kind of problems. Second, living in modern building is more comfortable and convenient. With the help of elevator, I needn’t climb the steps. And the furniture is new and clean. Furthermore, modern buildings always stand in the modern city , so it is convenient for me to get out to work ,do shopping or have meals.

14. Among the following three professions, which do you respect the most: photographers, musicians,painters. Explain why.

Among the three professions, I respect the musicians most. First of all, I think musicians are creative. They look deep into life as well as people’s mind, explore the feeling of people, then express them in different type of music. Sometimes ,they compose a piece of music which has resonance with people. For example, every country has its national anthem. People will be encouraged by the music because they can feel the power that the musician want to deliver. Second ,I think musicians are romantic. They use their imagination to create different kind of melody. Some are pathetic, some are passionate. They perform music for family, for loves , for the country of for the whole people. It may take a musician’s whole life to discover the true meaning of music.

15. Which do you prefer, reading paper books or reading electronic books? Explain why.

Well, personally speaking ,I prefer to read electronic books. First of all, the number of the paper books is limited. Sometimes, I cannot find the book I want in the libarary or bookstore. And this is where the most important advantage of electronic books lies in. I can easily find the electronic book on the internet. Furthermore, the electronic books are easy to carry and read. With a cellphone or ipad, Ican read a large amount of

books, which is nearly impossible if I use the paper books. In addition, the wide use of electronic books instead of paper books also benefic the environment.

16. 讲一个变化，可以是社会的，可以是现象的。。差不多，反正是挑中变化讲讲。

I think one of the biggest changes in society is the increasingly prevalent usage of the internet. I remember several years before the number of internet users in China in2000 was only 50 million. But, surprisingly, this figure has soared to over 500 million within only ten years time. Actually, the internet brings about many changes in people’s life in every aspect big or small. For example, almost each university library in China is equipped with the internet, Internet cafes are just around every corner, even a more common sight than fast food restaurants. It is used to help students to study and people to fill the void of their need for entertainment. They can find more information faster than ever, as well as enjoy music, movies and games. Another example is the usage of internet in people’s social life. People in China use the internet to send e - mails, chat on- line, play games, watch movies and e- dating has become a common situation in the way people socialize. These are the reasons why I think the increasing popularity of the internet is a major change for aonce closed and traditional country.

17. 你喜欢国内学习还是出国学习

As for me, I prefer to study abroad and there are many benefits from studying abroad. The first benefit is it allows me to learn about different food, religion, and culture. This helps us understand the world better. The second benefit is it allows me to travel to many great places and see many famous sites that are not available in my own country. The third benefit is it allows us to improve our proficiency in whatever language the country speaks. I’m sure by going to the US or other English speaking country to study, my English is bound to improve to a certain degree that is better than before. These are the reasons why I prefer to study abroad.

18. What personal quality do you admire most? creativity，courage or intelligence?

Among these three personalities, I prefer intelligence the most.

Firstly, a man should be intelligent, which means one person should not only do their jobs greatly, but also know how to be a great person, just like how to communicate with the others, how to deal with complex interpersonal relationship, etc.

Secondly, a man should have the ability to accept new things, which related to their intelligence. For example, a good leader should be a person with flexibility of learning advanced theories from other countries, so that they can do an all - round

Save money or borrow money?篇十：泛读教程2期末考试

英语教育专业10级 2012 -2013学年第一学期 英语泛读（学科）期 末 试卷

（满分：100 分；考试时间：90 分钟） I .Choose the Chinese meaning from column B that best matches the phrase in column A:（10 分）

A B

( ) 1. go in for a. 发财， 发迹

( ) 2. take up b. 按照；从……的角度

( ) 3. draw into c. 彻底消灭，摧毁

( ) 4. see off d. 开始（从事）

( ) 5. make one’s fortune e. 从事，参与

( ) 6. let alone f. 送行

( ) 7. in terms of g. 更不用说

( ) 8. wipe out h. 相反

( ) 9. to the contrary i. 准备冒险

( ) 10.take one’s chances j. 进入

II .Vocabulary and Structure. (20 分)

( ) 11.Getting enough vitamins is essential to life, although the body has no

nutritional use for ______ vitamins.

A. exceeding B. excess C. successive D. accessible

( ) 12. As we all know, primitive society ______ of feudal and capitalist societies.

A. proceeded B. exceeded C. succeeded D. preceded

( ) 13. Doing more exercise will keep you ______.

A. good B. health C. healthy D. clever

1

( ) 14. It is known that sports can prevent us _____ too fat.

A. not to get B. to not get C. from getting D. not from getting

( ) 15. ______ hard practice he is _____ speaking English.

A. Through … good at B. Through …good for

C. By … fond of D. Because of … well in

( ) 16. The boy _____ there is a classmate of mine.

A. Standing B. stood C. be standing D. stands

( ) 17. The old man wishes that he _____ young and strong again.

A. is B. will be C. has been D. were

( ) 18. The waiter in the restaurant hurried to ______ the broken plates before his boss came.

A. clean up B. get up C. make up D. close up

( ) 19. _____ he says or does won’t make me change my mind at all.

A. Whatever B. However C. Which D. How

( ) 20.The police have _____ the stolen money.

A. tracked down B. turned down C. ran down D. looked down III. Fill in the following blanks with proper prepositions. (10分)

21. The soldiers who were marching ______ the band looked smart in their new uniform.

22.The bridge, eroded(侵蚀) by the floods, collapsed _______ the weight of the train.

23. He was afraid that somebody would enter his house ______ force.

24. Who knows the reason why that radio station has gone _____ the air?

25. The drunk driver lost control of his luxury car and run _____ a lamp-post. IV. Translate the following sentences into Chinese. (10 分)

2

26.We would always celebrate each deposit by stopping for an ice cream come.

27.His face was getting redder every second.

28. “To bad”. She’ll have to arrange to look like the picture.”

29. Soon after flying into the area, the plane disappeared. 30. They spent a quiet life with daily visits to each other, and did not try very hard

to control the crime prevalent in the port. V. Reading comprehension ( 50 分)

（A）

There are three kinds of goals: short-term, medium-range and long-term goals. Short-range goals are those that usually deal with current activities, which we can

apply on a daily basis. Such goals can be achieved in a week or less, or two weeks, or possible months. It should be remembered that just as a building is no stronger than its foundation , but long-term goals cannot amount to very much without the

achievement of solid short-term goals. Upon completing our short-term goals, we should date the occasion and then add new short-term goals that will build on those that have been completed. The intermediate goals build on the foundation of the short-range goals. They might deal with just one term of school or the entire school year, or they could even extend for several years. Any time you move a step at a time, you should never allow yourself to become discouraged or overwhelmed. As you complete each step, you will enforce the belief in your ability to grow and succeed. And as your list of completion dates grow, your motivation and desire will increase. Long-range goals may be related to our dreams of the future. They might cover five years or more. Life is not a static thing. We should never allow a long-term goal to limit us or our course of action.

31. Our long-term goals mean a lot______.

A. if we complete our short-range goals B. if we cannot reach solid short-term goals

C. if we write down the dates D. if we put forward some plans

32. New short-term goals are built upon______.

A. two years B. long-term goals

C. current activities D. the goals that have been completed

33. When we complete each step of our goals,______.

3

A. we will win final success B. we are overwhelmed

C. we should build up confidence of success D. we should strong desire for setting new goals 34.Once our goals are drawn up, _______.

A. we should stick to them until we complete them

B. we may change our goals as we have new ideas and opportunities

C. we had better wait for the exciting news of success D. we have made great decision

35. It is implied but not stated in the passage that ______.

A. those who have long-term goals will succeed B. writing down the dates may discourage you C. the goal is only a guide for us to reach our destination D. every should have a goal

(B) A house is the most expensive thing most people will ever buy. Very few people have enough money of their own to buy a home， so they have to borrow money from a bank. Borrowing money from a bank to buy a house is called “take a mortgage （抵押）。”The bank usually lends money or gives a mortgage for twenty-five years. Houses are so expensive that many people nowadays have to borrow as much as $ 50 000. In other words， they will have a $ 50 000 mortgage.

How can you get a mortgage？ When you find a house you like， you go to a bank. The bank will research you financial （金融的） history and decide if. they think you are a good risk. They will want to know what kind of job you have， what kind of salary you make， and how long you have had the job. They will also want to know how much money you have. In addition， the banks will require a down

payment. Depending on which state you live in， the bank may require as much as 30% of the-price of the house as a down payment. The bank will then lend you the rest of the money to buy the house. Many people are never able to buy a house because they cannot save enough money for the down payment.

36. What does a house mean in the United States？

A） It is a dream which many people can hardly realize.

B） It is so expensive that many people cannot really buy them.

C） It is the most important property that many people try to buy.

D） It doesn’t belong to people if they can’t borrow money from the bank.

4

37. If American people borrow money from the bank for 25 years， this means that the person who borrows

A） has twenty-five years to pay back the money

B） has more than twenty-five years to pay back the money

C） has less than twenty-five years to pay back the money

D） has about twenty-five years to pay back the money

38. What does“down payment”refer to in the passage？

A） Money borrowed from a bank as a mortgage.

B） Money paid to a bank before the mortgages is given.

C） Interest received by a person who borrows money as the mortgages.

D） Interest charged by a bank on a mortgage.

39. Which is not one of the things researched by a bank？

A） How much money the borrower owns.

B） What salary the borrower makes.

C） What kind of job the borrower has.

D） What kind of house the borrower lives in.

40. The most suitable title for this passage would be _______.

A） How to Save Money on the House

B） How to Borrow Money from a Bank

C） How to Take a Mortgage

D） How to Buy a House

(C)

Insomnia is the inability to sleep restfully. It is a problem to nearly everyone at some time. A person may be awake for an hour in the middle of the night and then, next morning, feel that he hardly slept all night. Normally, worry about not getting enough 5

Save money or borrow money?相关热词搜索：saveorinvestmoney spendorsavemoney borrowmoney