【1】Saving Money

　　Where you save your money often depends on what you are saving for. If you are saving to buy a CD (光盘) or to go to a concert， then probably you would keep your money somewhere in your room.

　　If you are saving for a big purchase like a mountain bike or a school trip， where would you save your money?

　　One place to save money is the bank. Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank (猪形储蓄罐)， one year later you'll still have the same amount of money you put in. If you put your money in a savings account， one year later， you'll have more money than you put in. Why?

　　When you keep your money in a bank， your money earns interest. Interest is an amount of money a bank pays you to use your money. The bank uses your money (and the money of other people， too) to loan money to people and businesses.

　　The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account. It also tells you how much interest you have earned. If you leave your money in the bank， you can watch it grow!

　　Another way you can save money is to buy a certificate of deposit or CD. If you have some money that you don't need to use for a long time， this is a good way to make your money grow.

　　You can buy a CD at a bank. You agree not to use the money for a certain period of time. That period might be from six months to five years. You can't touch your money during that time. If you do， you must pay a penalty， or fee.

　　6 Your money will earn more money if you put it

　　A in your room.

　　B in a piggy bank.

　　C in your pocket.

　　D in a savings account

　　7 A bank pays you interest for

　　A wasting your money.

　　B losing your money.

　　C using your money.

　　D decreasing your money

　　8 Among other things， a bank statement tells you

　　A the amount of money you have in the bank

　　B the current rates of interest.

　　C the current rates of exchange.

　　D the best way to save your money.

　　9 If you draw your money before it is due， you will have to

　　A pay interest to the bank.

　　B close your account.Ｗww.KaＯ8.CC

　　C open a new account.

　　D pay a penalty or fee.

　　10 The word “touch” in paragraph 7 could be best replaced by

　　A “deposit”。

　　B “lend”。

　　C “use”。

　　D “cash”。

　　【参考答案】6. D 7. C 8. A 9. D 10. C

【2】　David Jones and His Salary

　　Computer programmer David Jones earns ￡35,000 a year designing new computer games, yet he cannot find a bank prepared to let him have a cheque card. Instead, he has been told to wait another two years, until he is 18.

　　The 16-year-old works for a small firm In Liverpool, where the problem of most young people of his age is finding a job. David's firm releases two new games for the home computer market each month.

　　But David's biggest headache is what to do with his money. Despite his salary, earned buy inventing new programs, with bonus payments and profit-sharing, he cannot drive a car, buy a house, or obtain credit cards.

　　He lives with his parents in Liverpool. His company has to pay ￡150 a month in taxi fares to get him the five miles to work and back every day because David cannot drive.

　　David got his job with the Liverpool-based company four months ago, a year after leaving school and working for a time in a computer shop. "I got the job because the people who run the firm knew I had already written some programs," he said.

　　"I suppose ￡35,000 sounds a lot but I hope it will come to more than that his year." He spends some of his money on records and clothes, and gives his mother ￡20 a week. But most of his spare time is spent working.

　　"unfortunately, computing was not part of our studies at school," he said. "But I had been studying it in books and magazines for four years in my spare time. I knew what I wanted to do and never considered staying on at school. Most people in this business are fairly young, anyway."

　　David added: "I would like to earn a million and I suppose early retirement is a possibility. You never know when the market might disappear."

　　Exercise

　　1. Why is David different from other young people of his age?

　　A) Because he earns an extremely high salary.

　　B) Because he is not unemployed.

　　C) Because he does not go out much.

　　D) Because he lives at home with his parents.

　　2. David's greatest problem is

　　A) finding a bank that will treat him as an adult.

　　B) inventing computer games.

　　C) spending his salary.

　　D) learning to drive.

　　3. He was employed by the company because

　　A) he had worked in a computer shop.

　　B) he had written some computer programs.

　　C) he had worked very hard.

　　D) he had learned to use computers at school.

　　4. He left school because

　　A) he did not enjoy schoolＷww.KaＯ8.CC

　　B) he wanted to work with computers and staying at school did not help him.

　　C) he was afraid of getting too old to start computing.

　　D) he wanted to earn a lot of money.

　　5. Why does David think he might retire early?

　　A) Because you have to be young to write computer programs.

　　B) Because he wants to stop working when he is a millionaire.

　　C) Because he thinks computer games might not always sell so well.

　　D) Because he thinks his firm might go bankrupt.

　　答案：ACBBC