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It seems like Americans use credit cards for everything. It's a lot easier to spend money

that you don't see, isn't it？ Many Americans spend money that isn't even there and get deeper and deeper in debt. Why do so many people spend more than they have？ "Buy now, pay later" has become an American way of life. Recently, American households spent nearly 11 billion dollars more than they earned, creating a negative saving rate.

There are two ideas—one, living within your means, and the idea that living on debt is a great equalizer(平衡装置). They both have validity because it is important that someone live within their means over their lifetime. When people are young and they are earning money, but they have very little savings, they almost have to borrow in order to own a house or own a car. But as they grow older, they should develop the habit of saving, so that by the time they reach the end of their earning life, they have savings to live on in retirement, and live within their means.

"Buy now, pay later" worked very well for us in the 1990s, but one suspects it won't work forever. The only thing that concerns me is that Americans are so contented, so optimistic, so unconcerned about any bumps in the road that many American households, not all of them, but many American households are very heavily extended in personal credit, a lot of credit card debt. People are paying very high prices for houses and borrowing heavily against those prices; and if we do run into a bump in the road, a recession, there are going to be a lot of households, not all of them, but many households that Ml be severely squeezed. That means we're more vulnerable to serious financial distress than Japan is. Japan has been in financial distress for ten years, but one reason it's been able to weather that is that the households had been very conservative, had a lot of savings, were very liquid, and were able to weather difficult times. And many American households would now be less able to do that because they are so heavily in debt.

We know from the passage that credit cards

A．make Americans get deeper and deeper in debt

B．are likely to be abandoned by more Americans

C．will soon become a symbol of American life

D．will help solve potential financial problems

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更多“It seems like Americans use cr…”相关的问题
第1题
He seems to have good _____________in clothes.

A.hobby

B.taste

C.attention

D.like

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第2题
Fifteen miles _____like a long walk to me.

A、seem

B、is seemed

C、seems

D、are seemed

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第3题
In America today, it seems like people are always striving ______ something and they are never content ______ what they have.

A.for, with

B.for, of

C.to, with

D.to, of

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第4题
What is the purpose of the e-mail？（）

A.A.To give best wishes for the coming Christmas and New Year.

B.B.To ask for the introduction of some business partners in North Americ

C.C.To consolidate the business relationship.

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第5题
It can be temptingto make a hasty decision when a killer opportunity comes along orthethou

It can be tempting to make a hasty decision when a killer opportunity comes along or the thought of spending another day on the job seems painful.【C1】______, Career coach Piotrowski recommends taking baby【C2】______to execute a new career strategy.

"Plan a timeline of one to two years to【C3】______your career change. Gather information for four to six months, and then get moving on activities that will【C4】______into your new specialty over the next few months. Remember, you can make the【C5】______over time. You don't need to do it all at【C6】______."

"Spend time looking【C7】______industry categories and a variety of jobs to get ideas about new career areas that may【C8】______to you. This can open your eyes to a multitude of【C9】______you hadn't considered before."

Informational interviews--the best-kept career-change secret, according to Piotrowski--will also help career changers come to a(n)【C10】______. The key is to seek people already lost in a【C11】______career and pick their brain with questions such as, "【C12】______training do I need to do well in this job, what kind of money will I【C13】______, and what's a day on the job really like？"

Finally, people should try a few career experiments to【C14】______their abilities and build experience to help them move into a new career more【C15】______."A career experiment can be one of thousands of activities that【C16】______you to learn more about a new type of work【C17】______you commit to choosing it." Career experiments【C18】______shadowing a specialist, volunteering,【C19】______field trips, and designing projects to【C20】______your knowledge and skills.

【C1】

A．Furthermore

B．Nevertheless

C．Accordingly

D．Therefore

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第6题
Everybody loves a fat pay rise. Yet pleasure at your own can vanish if you learn that a co
lleague has been given a bigger one. Indeed, if he has a reputation for slacking, you might even be outraged. Such behaviour is regarded as "all too human", with the underlying assumption that other animals would not be capable of this finely developed sense of grievance. But a study by Sarah Brosnan and Frans de Waal of Emory University in Atlanta, Georgia, which has just been published in Nature, suggests that it all too monkey, as well

The researchers studied the behaviour of female brown capuchin monkeys. They look cute. They are good-natured, co-operative creatures, and they share their food tardily. Above all, like their female human counterparts, they tend to pay much closer attention to the value of "goods and services" than males. Such characteristics make them perfect candidates for Dr. Brosnan's and Dr. Dewaal's study. The researchers spent two years teaching their monkeys to exchange tokens for food. Normally, the monkeys were happy enough to exchange pieces of rock for slices of eucumber. However, when two monkeys were placed in sepa rate but adjoining chambers, so that each could observe what the other was getting in return for its rock, their became markedly different.

In the world of capuchins grapes are luxury goods (and much preferable to cucumbers). So when one monkey was handed a grape in exchange for her token, the second was reluctant to hand hers over for a mere piece of cucumber. And if one received a grape without having to provide her token in exchange at all, the other either tossed her own token at the researcher or out of the chamber, or refused to; accept the slice of cu cumber indeed, the mere presence of a grape in the other chamber (without an actual monkey to eat it) was enough to reduce resentment in a female capuchin.

The researches suggest that capuchin monkeys, like humans, are guided by social emotions. In the wild, they are a co-operative, groupliving species. Such co-operation is likely to be stable only when each animal feels it is not being cheated. Feelings of righteous indignation, it seems, are not the preserve of people alone. Refusing a lesser reward completely makes these feelings abundantly clear to other members of the group. However, whether such a sense of fairness evolved independently in capuchins and humans, or whether it stems form. the common ancestor that the species had 35 million years ago, is, as yet, an unanswered question.

In the opening paragraph, the author introduces his topic by______

A．posing a contrast.

B．justifying an assumption.

C．making a comparison.

D．explaining a phenomenon.

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第7题
These days lots of young Japanese do omiai, literally, "meet and look. " Many of them do s
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But there is a difference. In the original omiai, the young Japanese couldn't reject the partner chosen by his parents and their middlernan. After World War II, many Japanese abandoned the arranged marriage as part of their rush to adopt the more democratic ways of their American conquerors. The Western ren'ai kekkon , or love marriage, became popular; Japanese began picking their own mates by dating and falling in love.

But the Western way was often found wanting in an important respect: it didn't necessarily produce a partner of the right economic, social, and educational qualifications. "Today's young people are quite calculating," says Chieko Akiyama, a social commentator.

What seems to be happening now is a repetition of a familiar process in the country's history, the "Japanization" of an adopted foreign practice. The Western ideal of marrying for love is accommodated in a new orniai in which both parties are free to reject the match. "Omiai is evolving into a sort of stylized introduction," Mrs. Akiyama says.

Many young Japanese now date in their early twenties, but with no thought of marriage. When they reach the age—in the middle twenties for women, the late twenties for men—they increasingly turn to omiai. Some studies suggest that as many as 40% of marriages each year are omiai kekkon. It's hard to be sure, say those who study the matter, because many Japanese couples, when polled, describe their marriage as a love match even if it was arranged.

These days, doing omiai often means going to a computer matching service rather than to a nakodo. The nakodo of tradition was an old woman who knew all the kids in the neighborhood and went around trying to pair them off by speaking to their parents; a successful match would bring her a wedding invitation and a gift of money. But Japanese today find it's less awkward to reject a proposed partner if the nakodo is a computer.

Japan has about five hundred computer matching services. Some big companies, including Mitsubishi, run one for their employees. At a typical commercial service, an applicant pays $80 to $ 125 to have his or her personal data stored in the computer for two years and $ 200 or so more if a marriage results. The stored information includes some obvious items, like education and hobbies, and some not-so-obvious ones, like whether a person is the oldest child. (First sons, and to some extent first daughthers, face an obligation of caring for elderly parents. )

According to the passage, today's young Japanese prefer______.

A．a traditional arranged marriage

B．a new type of arranged marriage

C．a Western love marriage

D．a more Westernized love marriage

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第8题
For the past several decades, it seems there's been a general consensus on how to
get ahead in America: Get a college education, find a reliable job, and buy your own home. But do Americans still believe in that path, and if they do, is it attainable？

The most recent National Journal poll asked respondents about the American dream, what it takes to achieve their goals, and whether or not they felt a significant amount of control over their ability to be successful. Overwhelmingly, the results show that today， the idea of the American dream—and what it takes to achieve it—looks quite different than it did in the late 20th century.

By and large, people felt that their actions and hard work—not outside forces—were the deciding factor in how their lives turned out. But respondents had decidedly mixed feelings about what actions make for a better life in the current economy.

In the last seven years, Americans have grown more pessimistic about the power of education to lead to success. Even though they see going to college as a fairly achievable goal, a majority—52 percent—think that young people do not need a four-year college education in order to be successful.

Miguel Maeda, 42, who has a master's degree and works in public health, was the first in his family to go to college, which has allowed him to achieve a sense of financial stability his parents and grandparents never did.

While some, like Maeda, emphasized the value of the degree rather than the education itself, others still see college as a way to gain new perspectives and life experiences. Sixty-year-old Will Fendley, who had a successful career in the military and never earned a college degree, thinks "personal drive" is far more important than just going to college. To Fendley， a sense of drive and purpose, as well as an effective high-school education, and basic life skills, like balancing a checkbook, are the necessary ingredients for a successful life in America.

71.It used to be commonly acknowledged that to succeed in America, one had to have _____.

A.an advanced academic degree

B.an ambition to get ahead

C.a firm belief in their dream

D.a sense of drive and purpose

72.What is the finding of the latest National Journal poll concerning the American dream____

A.More and more Americans are finding it hard to realize.

B.It remains alive among the majority of American people.

C.Americans' idea of it has changed over the past few decades.

D.An increasing number of young Americans are abandoning it.

73.What do Americans now think of the role of college education in achieving success____

A.It still remains open to debate.

B.It has proved to be beyond doubt.

C.It is no longer as important as it used to be.

D.It is much better understood now than ever.

74.How do some people view college education these days____

A.It promotes gender equality.

B.It needs to be strengthened.

C.It adds to cultural diversity.

D.It helps broaden their minds.

75.What is one factor essential to success in America, according to Will Fendley____

A.A desire to learn and to adapt.

B.A strong sense of responsibility.

C.A willingness to commit oneself.

D.A clear aim and high motivation.

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第9题
Part I Reading ComprehensionI have learned something about myself since I moved from Lon
Part I Reading Comprehension

I have learned something about myself since I moved from Long Island to Florida three years ago. Even though I own a home in Port St. Lucie just minutes from the ocean, an uncontrollable urge wells up to return to Long Island even as others make their way south. I guess I am a snowbird stuck in reverse. Instead of enjoying Florida’s mild winters, I willingly endure the severe weather on Long Island, the place I called home for 65 years.

I’m like a migratory bird that has lost its sense of timing and direction, my wings flapping against season.

So what makes me fly against the tide of snowbirds？ The answer has a lot to do with my reluctance to give up the things that define who I am. Once I hear that the temperature on Long Island has dipped into the range of 40 to 50 degrees, I begin to long for the sight and crackling sound of a wood fire. I also long for the bright display o￡ colors — first in the fall trees, and then in the limits around homes and at Rockefeller Center. Floridians decorate too, but can’t create the special feel of a New England winter.

I suppose the biggest reason why I return is to celebrate the holidays with people I haven’t seen in months. What could be better than sitting with family and friends for a Thanksgiving turkey dinner, or watching neighbors’ children excitedly open gifts on Christmas？ Even the first snowfall seems special. I especially enjoy seeing a bright red bird settling on a snow-covered branch (My wife and I spend winters at a retirement community in Ridge, and I’m grateful that I don’t have to shovel.)

While these simple pleasures are not unique to Long Island, they are some of the reasons why I come back. Who says you can’t go home？

(1) What does the underlined word "snowbird" in Paragraph 1 refer to？()

A、A person spending winter in a warmer climate

B、A bird seen chiefly in winter

C、A person permanently living in a foreign country

D、A bird flying to the south in winter

(2)What’s the difference between Florida and Long Island？()

A、Winters in Long Island are milder

B、The snowbirds in Long Island are rarer

C、Weather in Long Island is severer

D、Long Island is nearer to the ocean

(3)What did the author miss most when he was in Florida？()

A、The colorful light display

B、The family gathering

C、The cold temperature

D、The winter landscape

(4) Which of the following is TRUE according to the text？()

A、The author enjoyed living in Florida

B、The author had a good time in Florida

C、The author owned a home in Florida

D、The author did not like mild weather

(5)What’s the author’s purpose in writing the text？()

A、To praise the beauty and warmth of his hometown

B、To describe his dream to be a free bird

C、To explain the reasons for moving from his hometown

D、To express his feeling of missing his hometown

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第10题
He seems poor, but I ______ he has quite a lot of money.

A.expect

B.inspect

C.suspect

D.doubt

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第11题
It _____ much more difficult than we had expected.

A.proved

B.proved to be

C.showed

D.seems to be

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