In Western countries people have been using the installment plan since the first half of the twentieth century.Today, a large number of families in Great Britain buy furniture, household goods and cars by installments In the U.S.A, the figure is much higher than in Great Britain, and people there spend over 10 percent of their income on the installment plan.
The price of an article bought on installments is always higher than the price that would be paid by cash.There is a charge for interest.The buyer pays one quarter or one third of the price as a down payment when the goods are delivered to him.He then makes regular payments, weekly or monthly,until the full price is paid up.The legal ownership of the goods remains with the seller until the final payment has been made.
Installment buying has advantages and disadvantages. It can help couples with small incomes to fumish their homes and star housekeeping, It increases the demand for goods, and in this way helps business and employment .There is ,however, the danger that when business is bad, installment buying may end suddenly, making business much worse.This may result in a great increase in unemployment.If the people on the installment plan lose their jobs, they will probably not be able to make their payments.If great numbers of people are not able to pay their installment debts, there is a possibility that businessmen cannot collect their debts and will therefore lose money.If businessmen lose money or fail to make a satisfactory profit, it becomes more likely to have a depression .This is why, in some countries,the government controls the installment plan by fixing the amount of the down payment and installments to discourage people from buying more than they can pay for on the installment plan.
1. Which of the following is NOT TRUE about the installment plan?A.A lot of British families use the installment plan. |
B.More than 10 percent American families buy things on installments. |
C.Americans depend more on installment than British people do. |
D.Americans spend one tenth of their income on installment buying. |
A.the buyer has to pay extra money as interest |
B.the delivery of the goods charges extra money |
C.the buyer has to pay a down payment |
D.the service offered by installment plan charged extra money |
A.He might lose his job. |
B.He will stop owning the item he has bought |
C.He will have to sell what he has bought. |
D.He will go into debt |
A.purchasing power is strengthened. |
B.employment might be increased |
C.people develop a good habit of saving money |
D.young couples are able to furnish their homes |
A.increase employment |
B.avoid depressions |
C.ensure that businesses make good profits |
D.ensure that people can pay for what they buy |
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【推荐1】In the 1994 film Forrest Gump, there's a famous saying, "Life is like a box of chocolates, you never know what you're gonna get. The surprise is part of the fun. Now blind box toys(盲盒)are bringing the magic of surprise to online shopping.
A blind box toy is hidden inside similar boxes but invisible from the outside. You don't know what will be inside, although the toys typically come from pop culture, ranging from movies to comics and cartoons.
Blind boxes have become popular since they were first introduced from Japan to China in 2014. According to a 2019 Tmall report, the mini-series of Labubu blind box designed by Hong Kong-born Kasing Lung, was named Champion of Unit Sales with 55, 000 sold in just 9 seconds during the Singles Day shopping event. Most customers for blind boxes are young people aged 18 to 35.
According to The Paper, blind box toys are popular in part because of their cute appearances. The typically cute cartoon figures(人物)come in small sizes, making them suitable for display almost anywhere.
Even if blind boxes are not their top choice for decorations, the mystery and uncertainty of the process also attracts people. It's the main reason why people buy blind boxes one after another.
"Expecting the unknown is always a part of the box-opening process," said Miss Cao, 24, who lives and works in Shenyang. Speaking to Sina News, she said: "Until you open all the boxes, you cannot know what it is inside."
Opening a blind box is a delightful little surprise for our mundane daily lives, something small but fun to wait for each day, week or month. When people open this simple little box, they may be disappointed, but the uncertainty is part of the fun. People will open more blind boxes and hope for a better outcome.
When someone re-makes Forrest Gump, don't be surprised if he says, "Life is like a blind box."
1. What do we know about blind boxes?A.They may bring surprise to our life. | B.They are visible from the outside. |
C.They are popular among all ages. | D.They were first designed in 2014. |
A.Because blind boxes are fashionable gifts. |
B.Because blind boxes are educational gifts. |
C.Because people enjoy box-opening process. |
D.Because people prefer the colorful boxes. |
A.Wonderful | B.Interesting | C.Amazing. | D.Boring. |
A.A diary. | B.A magazine. | C.A novel. | D.A guidebook. |
【推荐2】Most people say that they do not usually feel confident. But exciting things can happen when we actually believe in ourselves. Here is a man who believed in his own ability even as a boy, and that confidence helped shape his adult life.
At the turn of the last century, a young boy quit school to help with the family expenses. When he was fifteen, he became interested in automobiles(汽车) and worked in a garage. He subscribed to a correspondence course on automobiles and, after a long day in the garage, studied at the kitchen table in the lamplight.
When he felt ready, he walked into the Frayer-Miller Automobile Company of Columbus, Ohio. When Mr. Frayer noticed him, he asked, “Well, what do you want?”
“I just thought I’d tell you I’m coming to work here tomorrow morning,” the boy replied.
“Oh! Who hired you?”
“Nobody yet, but I’ll be on the job in the morning. If I’m not worth anything, you can fire me.”
Early the next morning the boy returned to the plant. Noticing the floor was thick with metal shavings and accumulated dirt, the boy got a broom and set out to clean the place.
Because of his self-confidence and work ethic, the boy’s future was predictable. He went on to stand out in many fields, including automobile racing, piloting World War I planes and founding one of America’s largest airline companies ---- Eastern Airlines.
People who become more confident habitually encourage themselves. Without confidence, we are not likely to move far in the direction of our dreams. It is important that we always believe in ourselves. In order to reach victory, we must believe in ourselves even when we make mistakes
1. How did the boy learn knowledge concerning automobiles?A.He attended school in the daytime. |
B.He studied hard at home. |
C.He read books in the garage where he worked. |
D.He turned to some instructors for help. |
A.he wanted to show off his competence |
B.he looked down upon others |
C.he was very generous |
D.he believed in himself |
A.made World War I planes |
B.learned much knowledge in a garage |
C.achieved everything in his life |
D.set up Eastern Airlines |
A.To inspire us with self-confidence. |
B.To tell us an interesting story. |
C.To inspire us to work hard. |
D.To stress the importance of realizing our dreams. |
In 2014, the United Nations reported that Papua New Guinea(巴布亚新几内亚) and the U.S. are the only two -- out of 185 -- countries in the world that do not offer workers paid time off to care for newborns. However, several state governments and some private businesses in the U.S. have provided the benefits for their workers.
Not every American agrees that requiring businesses to pay workers for leave is a good idea.
Tricia Baldwin is a business woman. She is secretary and treasurer for her family's company. Her company employs 400 workers. She says giving all of them paid leave would ruin her company. Instead, Reliable Contracting gives paid leave to employees who have stayed with the company for at least five years. She says paid leave is simply another government order that adds more costs to doing business.
President Obama supports paid leave for workers. Recently, he proposed a measure called the Healthy Family Act. It would allow workers to earn up to seven paid days of sick leave a year to care for themselves or family members.
Mr. Obama also wants Congress to approve a measure giving all workers six weeks of paid leave to have and care for a new baby.
U.S. lawmakers who support the proposed measure say paid leave is good for the families and for businesses. Representative Don Beyer says paid leave is an encouragement to parents to return to the job. Mr. Beyer says training a new employee can cost a company a year's worth of income. But U.S. lawmakers who oppose the bill say they do not want to restrict businesses by requiring them to provide paid leave. They are offering a different measure. The Working Families Flexibility Act would allow employees to work extra hours and earn either time off or more pay.
1. If a woman in the U.S left to care for her newborn baby, she _________.
A.wouldn’t get extra time off |
B.would get lower pay |
C.would pay for her leave or she will be fired |
D.wouldn’t get paid leave |
A.kill the national economic growth |
B.not be enough to relieve the workers’ burden |
C.add more costs to doing business |
D.ruin companies rules |
A.it encourages parents to return to the jobs |
B.it will add companies’ cost of training new employees |
C.it gives workers more economic guarantees |
D.it reduces employees’ working time |
A.How to reform the Rules of Paid Leave in the U.S. |
B.Will the U.S Pay Workers for Family Leave? |
C.Is it Good for the U.S to Pay Workers for Family Leave? |
D.Why Doesn’t the U.S Pay Workers for Family Leave? |
【推荐1】Fresh for Fall: Green Markets Return in the Palm Beaches
West Palm Beach GreenMarket
Recognized as the Best Farmers Market in the country by the “USA Today”, the large-scale West Palm Beach GreenMarket is a longstanding staple. Customers can enjoy waterfront, outdoor grocery shopping along one of Palm Beach County' s most scenic cityscapes: downtown West Palm Beach. Free parking is available at the Evernia and City Center garages until noon. For those arriving by boat, the city offers free ports, just a short walk away. The market is dog-friendly and short leashes are encouraged.
The Gardens GreenMarket
Featuring more than 120 vendors (商贩), you can pick up fresh produce and dairy, pastries and other baked goods, prepared foods, flowers, spices — the list goes on. With a focus on also supporting the cultural arts, don't miss the live performances by local artists Check the schedule for weekly highlights, including themes and special activities throughout the market's 20th season.
Swank Farmers Market
Take a trip to the countryside, where you can buy from more than 25 vendors. Here, you'll find coffee beans, creamed honey, fresh pasta, homemade sauces, oils and vinegars, meats and, of course, fresh produce. Bring the family and say hi to the chickens, pigs and sheep.
Lakeside Market at Wellington Town Center
Enjoy a night market experience at the Town Center Promenade along the water, which offers open air shopping that supports local businesses. Locally sourced, farm-to-fork and homemade goods are available under the stars, with highlights including herbs, freshly baked goods and flowers.
1. What do we know about West Palm Beach GreenMarket?A.It is located in the countryside. | B.Free parking is available all day. |
C.Dogs are allowed in the market. | D.Taking a boat there is free of charge. |
A.West Palm Beach GreenMarket. | B.The Gardens GreenMarket. |
C.Swank Farmers Market. | D.Lakeside Market at Wellington Town Center. |
A.They offer homemade goods. | B.They are only open in the day. |
C.They are located along the river. | D.They are suitable for animal lovers. |
【推荐2】A recon study suggests that small shopping shifts can make a difference on green house gas emissions while improving your health. After analyzing the grocery purchases of more than 57,000 households, researchers found 71 percent could reduce their food carbon footprint by following three tips:
Skip the unhealthy snacks
Avoiding foods with high calorie counts and low nutritional value can reduce the total carbon footprint of household food consumption by nearly 10 percent. Items like candy, soda, and packaged snacks take more ingredients and more processing, which translates to higher environmental impacts.
Watch bulk buys
Households of one or two people may end up with food waste when they try to save money with bulk buys. Before you buy supersize, consider whether a three-pound jar of peanut butter will go bad before it’s used up.
Trim ready-made foods
One average microwave meal may not have a very large carbon footprint. But buying them regularly can add up to significant emissions because ready-made foods’ large sales volume increases their carbon emissions, the study found.
By taking the above measures, we could cut more than a quarter of emissions from household food consumption, the researchers say. Collective action can make a huge impact.
1. What is the purpose of the passage?A.To advertise a green product. | B.To promote green shopping changes. |
C.To convince people to buy green food. | D.To persuade readers to eat healthy diets. |
A.A piece of cake. | B.A mini packet of butter. |
C.Five kilograms of apples. | D.Two cups of 50-gram potato chips. |
A.They reduce calorie intake. | B.They lead to less food waste. |
C.they can be more economical. | D.They can lower carbon footprint. |
【推荐3】Happy Birthday, Thorstein Veblen, who invented the expression “conspicuous( 炫耀性) consumption ”.
Why do we buy? What drives us to get things we know we don’t need and that we know are bad for the planet? Thorstein Veblen, born on July 30th, 1857, discussed this in his 1899 book The Theory of the Leisure Class, where he first wrote about conspicuous consumption.
According to a website named Conspicuous Consumption, the term refers to consumers who buy expensive items to show off their wealth and income rather than cover their real needs. Such a consumer shows such behavior to enjoy or achieve higher social status. The result, according to Veblen, is a society characterized by wasted time and money.
There is also a type of goods called “Veblen goods”, which really exist only to show the status of the person buying them. Rolls-Royce or fancy supercars are a good example; a Lamborghini won’t get you anywhere faster in a world with speed limits. A Patek-Philippe watch doesn’t keep time as accurately as a Timex.
Conspicuous consumption can lead to conspicuous waste —the ability to just throw things away and buy replacements even when they work perfectly well. Through “conspicuous consumption” often came “conspicuous waste”, which Veblen hated. Much of modern advertising is built upon a Veblenian idea of consumption and competition.
Veblen also explains why poor people won’t fight against conspicuous consumption. The poor, and all those persons who concentrate on the struggle to make a living, are conservative because they cannot afford the effort of taking thought for the day after tomorrow.
Some of Veblen’s theories wouldn’t find a place in today’s USA, but you must be impressed by his most famous saying: Invention is the mother of necessity.
Happy 163rd Birthday, Thorstein Veblen!
1. What is conspicuous consumption usually connected with?A.Social position. | B.People’s needs. | C.Economic growth. | D.Market demand. |
A.It is a traditional practice. | B.It is none of their business. |
C.It promotes consumption. | D.It is a goal they try to achieve. |
A.To challenge Veblen’s theories. | B.In defense of some economics terms. |
C.In honor of a famous economist. | D.To prevent conspicuous consumption. |
【推荐1】We’re all familiar with migration: wildebeests dash across Africa, monarch butterflies fly across the Americas... but did you know that forests migrate, too?
In his new book The Journeys of Trees, science writer Zach St. George explores an extremely slow migration, as forests move bit by bit to more pleasant places.
“The migration of a forest is just many trees sprouting (发芽) in the same direction,” St. George writes. “Through the fossils (化石) that ancient forests left behind, scientists can track their movement over thousands of years. They move back and forth across continents, sometimes following the same route more than once, like migrating birds or whales.” This has happened over thousands of years, and climate change tends to be the driving force.
Of course, today, climate change is speeding up, and trees can’t keep pace. Take California: it’s getting hotter and dryer and scientists estimate that before too long, Sequoia National Park may not be able to keep giant sequoias (巨杉).
“The scientists there had never seen anything like it,” St. George says. “They are worried, and I think at some point we will lose these ancient trees and we will have to think about what we do with the places, and do we plant new trees where they are easy to grow?”
This is known as “assisted migration”— humans planting trees in other places where they’re more likely to grow. But this process carries risks — people can accidentally introduce insects and diseases to new places, where they may wipe out entire native populations. So, St. George writes, there’s a heated debate today: Should humans help the trees escape?
“There may be cases where people are probably going to step in and help species move to places where they’ll be more suitable in the future,” St. George says. “So far, there are no huge movements of citizen groups moving trees north. But that is kind of one vision of the future that the people I interview hope to see.”
1. What can be learned about the migration of a forest?A.It is mainly the result of climate change. | B.It takes thousands of years to complete. |
C.It often follows certain migrating species. | D.It is very difficult to track the migration. |
A.To prove the assisted migration carries risks. |
B.To stress the Park are facing a serious situation. |
C.To show trees fail to adapt to the climate change. |
D.To state scientists’ confidence about the environment. |
A.Doubtful. | B.Supportive. | C.Objective. | D.Opposed. |
A.Animal Migration | B.Trees on the Move |
C.Human Effect on Trees | D.Modern Risks of Trees |
【推荐2】The pandemic has affected nearly all aspects of modern life, from the clothes we wear to the food we eat. There is one thing, however, that has remained almost unchanged: the emojis we send.
According to data from the Unicode Consortium (统一码联盟), nine of the 10 most-used emojis from 2019 also ranked among the top 10 this year. The tears of joy emoji ranked No.1, despite members of Gen Z deeming it uncool.
“It speaks to how many people use emojis. If emojis were a purely Gen Z thing, then you wouldn’t see it so highly ranked,” said Alexander Robertson, an emoji researcher at Google. “Because of the large number of people using emojis, even if one group thinks something is lame, they have to be a really big group to affect these statistics.”
And it makes sense that Gen Z would think that certain emojis aren’t fashionable. It’s part of the “teenager experience of creating a sense of subculture where there’s a right way and a wrong way of behaving.” Plus, there is a range of laughter that can be expressed: There’s light chuckling. There’s acknowledgement laughter, which is just a marker of empathy. Using emojis, such as the skull face (“I’m dead”) or crying face ( uncontrollable tears of laughter), can help to illustrate that range.
“It basically indicates that we have what we need to communicate a broad range of expression, or even very specific concepts,” Mr Robertson said. “You don’t necessarily need a Covid emoji.”
“We did see a rise in the use of the virus emoji. But it wasn’t made remotely into the most-commonly used ones because we still had plenty to laugh about and plenty to cry about, whether it was because of the pandemic or not,” said Lauren Gawne, a senior lecturer in linguistic at La Trobe University in Melbourne, Australia.
“Even in the midst of this massive global pandemic that preoccupied so much of our time,” She added. “We still spent a lot of time wishing each other happy birthday or checking or laughing about some new and unexpected elements of this slow-burning weirdness.”
1. Why does the tears of joy emoji ranked No.1 despite the dislike from the Z generation?A.The emoji is a purely Z generation thing. |
B.The Z generation are too young to influence the rank. |
C.Though they dislike it, the Z generation vote for it ultimately. |
D.The Z generation take up a very small portion in emoji users. |
A.the virus emoji | B.a Covid emoji |
C.the use of the virus emoji | D.the rise in the use of the virus emoji |
A.The massive global pandemic has come to an end. |
B.The pandemic has little influence on people’s daily life. |
C.We have a broad range of expression for communication. |
D.Some new and useful emojis are created to replace the virus emoji. |
A.The Pandemic and the Emoji. |
B.Gen Z, the Emoji Generation. |
C.The Emoji of the Year. |
D.The Rise of Virus Emoji |
【推荐3】Darek Fidyka, a 38-year-old Bulgarian, had been paralysed(瘫痪的)from the chest down for four years after a knife attack. Scientists from Britain and Poland took cells from his nose, transplanted them into his back and regrew his spinal cord (脊髓). Now he can walk and even drive a car. The doctors were delighted but said it was the first step in a long journey.
The breakthrough came after 40 years of research by Professor Geoff Raisman, who found that cells had the possibility to repair damage to nasal (鼻子的) nerves, the only part of the nervous system that constantly regrows. “The idea was to take something from an area where the nervous system can repair itself, and put it into an area that doesn't repair itself,” Professor Raisman said.
Polish doctors injected the nasal cells into Mr Fidyka's spinal cord above and below the injury and used some nerves from his ankle to form a bridge across the damaged tissue. The nasal cells appear to have caused the spinal nerves to repair themselves.
Professor Raisman achieved this with rats in the late 1990s, but this is his greatest success. “I think the moment of discovery for me was Christmas in 1997 when I first saw a rat that couldn't control its hand put its hand out to me. That was an exciting moment, because I realized then that my belief that the nervous system could be repaired was true. ”
Doctors chose the easiest case for their first attempt — it might not work for others. But there is a real sense of hope that an idea once thought impossible has been realized.
David Nicholls, who helped provide money for the breakthrough, said information about the breakthrough would be made available to researchers across the globe.
“What you’ve got to understand is that for three million paralysed people in the world today, the world looks like a totally brighter place than it did yesterday,” he said.
1. Why did Professor Geoff Raisman choose cells from the nose?A.The nervous system in the nose can repair itself. |
B.Cells in the nose can be easily transplanted. |
C.Cells in the nose reproduce rapidly. |
D.He just wanted to give it a try. |
A.The nasal cells reproduced and spread quickly. |
B.The nerves from his ankle cured the injury. |
C.The nervous system in the spinal cord can repair itself. |
D.The nasal cells helped the spinal nerves to repair themselves. |
A.His study on animals. |
B.His operation on a paralysed patient. |
C.His sudden thoughts about Christmas. |
D.His unusual experience with a sick rat. |
A.the world is becoming better and brighter |
B.paralysed people have the hope of recovery |
C.the report of the breakthrough will be published soon |
D.researchers across the globe will carry out the operation immediately |