Saving Money

Where you save your money often depends on what you are saving for If you are saving to buy a CD(光盤)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 early more money If you put your money in a piggy bank(豬形儲蓄罐)，one year later you’11 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 the 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

36 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

37 A bank pays you interest for

A wasting your money.

B losing your money.

C using your money.

D decreasing your money

38 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

39 If you draw your money before it is due.you will have to

A pay interest to the bank.

B close your account

C open a new account.

D pay a penalty or fee

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

A “deposit”

B “lend”.

C “use”.

D “cash”.

參考答案

36 D 該題問的是：哪一種方式能使你的錢越滾越多?把錢放在你的房間里、豬形儲蓄罐里或你的口袋里顯然都不會使你的錢變得更多。

37 c 該題問的是：銀行為什么會付給你利息?A說的是：浪費你的錢。B說的是：失去你的錢。D說的是：減少你的錢。第四段有這樣一句話：Interest is the amount of money a bank pays you to use your money。利息是因為銀行用了你的錢付給你的。因此C才是正確的答案。

38 A 該題問的是：銀行結算單告訴你什么?A說的是：你在銀行中有多少錢。B說的是：當前的利率。 c說的是：當前的兌換率。 D說的是：存錢的最好辦法。A是正確的，答案在第五段。

39 D 該題問的是：你提前取錢會怎么樣?答案在倒數(shù)第二段的最后一句。

40 c 該題問的是：第七段中的“touch'’由哪個詞替換最為合適?最為合適的是“use”。