Winners Club

You choose to be a winner!

The Winners Club is a bank account specially designed for teenagers. It has been made to help you better manage your money. The Winners Club is a transaction account（交易账户）where you receive a key-card so you can get to your money 24/7—that’s 24 hours a day, 7 days a week!

It’s a club with impressive features for teenagers.

No account keeping fees!

You’re no millionaire so we don’t expect you to pay large fees. In fact, there are no account keeping or transaction fees!

Excellent interest rates!

You want your money to grow. The Winners Club has a good rate of interest which gets even better if you make at least two deposits（储蓄）without taking them out in a month.

Convenient

Teenagers are busy—we get that. You may never need to come to a bank at all. With the Winners Club. you can choose to use handy tellers and to bank from home using the phone and the Internet, you can have money directly deposited into your Winners Club account. This could be your pocket money or your pay from your part-time job!

Mega magazine included

Along with your regular report, you will receive a FREE magazine full of good ideas to make even more of your money. There are also fantastic offers and competitions only for Winners Club members.

The Winners Club is a great choice for teenagers. And it is so easy to join. Simply fill in an

application form. You will have to get permission from your parent or guardian(so we can organize that cool key-card) but it is easy. We can’t wait to hear from you. It’s the best way to choose to be a winner!

21.The Winners Club is a bank account intended for ________.

A. parents            B. teenagers        C. winners         D. adults

22.Which of the following is TRUE about the Winners Club?

A. Special gifts are ready for parents.   

B. The bank opens only on work days.

C. Services are convenient for its members.

 D. Fees are necessary for the account keeping.

23.If you want to be a member of the Club, you must ________.

A. be an Internet user                     

B. be permitted by your parent

C. have a big sum of money                

D. be in your twenties

I really love my job because I enjoy working with small children and like the challenges and awards from the job. I also think my work is important. There was a time when I thought I would never have that sort of career（职业）.

I wasn’t an excellent student because I didn’t do much schoolwork. In my final term I started thinking what I might do and found I didn’t have much to offer. I just accepted that I wasn’t the type to have a career.

 I then found myself a job, looking after two little girls. It wasn’t too bad at first. But the problems began when I agreed to live in, so that I would be there if my boss had to go out for business in the evening. We agreed that if I had to work extra hours one week, she’d give me time off the next. But unfortunately, it didn’t often work out. I was getting extremely tired and fed up, because I had too many late nights and early mornings with the children.

 One Sunday, I was in the park with the children, and met Megan who used to go to school with me. I told her about my situation. She suggested that I should do a course and get a qualification（资格证书） if I wanted to work with children. I didn’t think I would be accepted because I didn’t take many exams in school. She persuaded me to phone the local college and they were really helpful. My experience counted for a lot and I got on a part-time course. I had to leave my job with the family, and got work helping out at a kindergarten.

 Now I’ve got a full-time job there. I shall always be thankful to Megan. I wish I had known earlier that you could have a career, even if you aren’t top of the class at school.

24.What is the author’s present job?

A. Working part-time in a college.

B. Taking care of children for a family.

C. Helping children with their schoolwork. 

D. Looking after children at a kindergarten.

25.When staying with the two girls’ family, the author ___________.

A. was paid for extra work                B. often worked long hours

C. got much help from her boss            D. took a day off every other week

26.Why did the author leave her first job?

A. She found a full-time job.                   

B. She was fed up with children.

C. She decided to attend a part-time course.

D. She needed a rest after working extra hours.

27.What has the author learned from her own experiences?

A. Less successful students can still have a career.

B. Qualifications are necessary for a career.

C. Hard work makes an excellent student.

D. One must choose the job she likes.

According to researchers, money can buy happiness, but only if you spend it on someone else. Spending as little as $5 a day on someone else could significantly bring you happiness, the team at the University of British Columbia and Harvard Business School found.

Their experiments on more than 630 Americans showed they were measurably (适度地) happier when they spent money on others--even if they thought spending the money on themselves would make them happier.

“We wanted to test our theory that how people spend their money is at least as important as how much money they earn,” said Elizabeth Dunn, a psychologist at the University of British Columbia.

They asked their 600 volunteers first to rate their general happiness, report their annual income and detail their monthly spending including bills, gifts for themselves, gifts for others and donations to charity.

“Regardless of how much income each person made, those who spent money on others reported greater happiness, while those who spent more on themselves did not,” Dunn said in a statement.

Dunn’s team also surveyed 16 employees at a company in Boston before and after they received an annual profit-sharing bonus of between $3,000 and $8,000.

“Employees who devoted more of their bonus to pro-social (有益社会的) spending experienced greater happiness after receiving the bonus, and the manner in which they spent that bonus was a more important predictor of their happiness than the size of the bonus itself,” they wrote in their report, published in the journal Science.

They gave their volunteers $5 or $20 and half got clear instructions on how to spend it. Those who spent the money on someone or something else reported feeling happier about it.

“These findings suggest that very minor alterations in spending allocations (分配) --as little as $5--may be enough to produce real gains in happiness on a given day,” Dunn said.

28.According to the passage, ________.

A. the more money you spend on others, the happier you are

B. spending money on others can bring you happiness

C. Elizabeth Dunn is a psychologist from Harvest Business School

D. six hundred volunteers took part in the experiment

29.The 16 employees mentioned in the passage _________.

A. were given clear instructions on how to spend the bonus

B. had more happiness than the size of the bonus itself

C. experienced greater happiness after receiving their bonus

D. felt happier after they contributed much of the bonus to charities

30.Dunn’s statement suggested that ________.

A. those who spent money on others felt happier no matter how much they earned

B. those who spent more money on themselves felt happier

C. people thought spending money could make themselves happier

D. the money spent was as important as the money earned

31.The best title of this passage is ________.

A. Experiment on Money Spending

B. Devoting Your Money to Charities

C. Spending Money on Others Makes One Happier

D. Bonus and Pro-social Spending

A characteristic of American culture that has become almost a tradition is to respect the self-made man—the man who has risen to the top through his own efforts, usually beginning by working with his hands. While the leader in business or industry or the college professor occupies a higher social position and wins greater respect in the community than the common laborer or even the skilled factory worker, he may take pains to point out that his father started life in America as a farmer or laborer of some kind.

This attitude toward manual (体力的) labor is now still seen in many aspects of American life. One is invited to dinner at a home that is not only comfortably but even expensively furnished and in which there is every evidence of the fact that the family has been able to afford foreign travel, expensive hobbies, and college education for the children; yet the hostess probably will cook the dinner herself, will serve it herself and will wash dishes afterward; furthermore, the dinner will not consist just of something quickly and easily mixed from contents of various cans and a cake or a pie bought at the nearby bakery. Instead, the hostess usually takes pride in careful preparation of special dishes. A professional man may talk about washing the car, digging in his flowerbeds, painting the house. His wife may even help with these things, just as he often helps her with the dishwashing. The son who is away at college may wait on table and wash dishes for his living, or during the summer he may work with a group of workers on the highway in order to pay for his education.

32.From Paragraph 1, we know that in America ________.

A. people feel painful to mention their fathers as laborers

B. people tend to have a high opinion of the self-made man

C. people can always rise to the top through their own efforts

D. college professors win great respect from common workers

33.According to the passage, the hostess cooks dinner herself mainly because ________.

A. she can hardly afford servants
B. servants in America are hard to get

C. she takes pride in what she can do herself

D. it is easy to prepare a meal with canned food

34. The expression “wait on table” in the second paragraph means “________”.

A. wait to place the table                  B. keep accounts for a bar

C. work in a furniture shop                D. serve customers in a restaurant

35.Which of the following may serve as the best title of the passage?

A. A Respectable Self-made Family.

B. The Development of Manual Labor.

C. Characteristics of American Culture.

  D. American Attitude Toward Manual Labor.

Q & A

Question: I have recently got a senior position within my company．One of my new tasks is to make monthly progress reports on my department in front of other senior officials. During my first meeting, I presented and then opened the floor to questions．  36  _ My first reaction was to answer defensively(防卫地;戒备地)．Later, I realized that I shouldn’t have felt that way．But how can I keep cool and effectively answer questions in this type of settings?

Answer: Congratulations on your new position! Presenting in front of your peers (同事)is a hard task in itself and it becomes much more difficult when a question-and-answer period is required! Question-and-answer periods are a great way to clarify (使…清楚) the message and strengthen key points．  37 __ 

●   38  

When a person is asking a question, show interest and a desire to understand the question by listening and asking for clarification．

● Buy time

When facing a hard question, most people can’t give an answer immediately．Buy time by repeating the question in your own words．  39   These techniques allow you to quickly organize your thoughts as well as to make sure you will be correctly answering the question．

● Suggest a private meeting.

A one-to-one meeting is a calmer setting than speaking in front of your peers．  40  

A．Show your true interest．

B．Restate the question with respect．

C．Some ideas can be quite concrete．

D．There were many difficult questions．

E．It can also be more effective in exchanging ideas．

F．You may also ask for clarification on the question．

    G．Here are some ideas that can help prepare for your next meeting．