1 . Make Up Your Mind to Succeed
Kind-hearted parents have unknowingly left their children defenseless against failure. The generation born between 1980 and 2001 grew up playing sports where scores and performance were played down because “everyone’s a winner.” And their report cards sounded more positive (正面的) than ever before. As a result, Stanford University professor Carol Dweck, PhD, calls them “the overpraised generation.”
Dweck has been studying how people deal with failure for 40 years. Her research has led her to find out two clearly different mind-sets that have a great effect on how we react to it. Here’s how they work:
A fixed mind-set is grounded in the belief that talent is genetic - you’re a born artist, point guard, or numbers person. The fixed mind-set believes it’s sure to succeed without much effort and regards failure as personal shame. When things get difficult, it is quick to blame, lie, and even stay away from future difficulties.
On the other hand, a growth mind-set believes that no talent is entirely heaven-sent and that effort and learning make everything possible. Because the ego (自尊) isn’t on the line as much, the growth mind-set sees failure as a chance rather than shame. When faced with a difficulty, it is quick to rethink, change and try again. In fact, it enjoys this experience.
We are all born with growth mind-sets. (Otherwise, we wouldn’t be able to live in the world.) But parents, teachers, and instructors often push us into fixed mind-sets by encouraging certain actions and misdirecting praise. Dweck's book, Mind-set: The New Psychology of Success, and online instructional program explain this in depth. But she says there are many little things you can start doing today to make sure that your children, grandchildren and even you are never defeated by failure.
1. What does the author think about the generation born between 1980 and 2001?________________.| A．They don’t do well at school. |
| B．They are often misunderstood. |
| C．They are eager to win in sports. |
| D．They are given too much praise. |
| A．doesn’t want to work hard |
| B．cares a lot about personal safety |
| C．cannot share his ideas with others |
| D．can succeed with the help of teachers |
| A．Admitting failure is shameful. |
| B．Talent comes with one’s birth. |
| C．Scores should be highly valued. |
| D．Getting over difficulties is enjoyable. |
| A．Encourage them to learn from failures. |
| B．Prevent them from making mistakes. |
| C．Guide them in doing little things. |
| D．Help them grow with praise. |
2 . Ask someone what they have done to help the environment recently and they will almost certainly mention recycling. Recycling in the home is very important of course. However, being forced to recycle often means we already have more material than we need. We are dealing with the results of that over-consumption in the greenest way possible, but it would be far better if we did not bring so much material home in the first place.
The total amount of packaging increased by 12% between 1999 and 2005. It now makes up a third of a typical household’s waste in the UK. In many supermarkets nowadays food items are packaged twice with plastic and cardboard.
Too much packaging is doing serious damage to the environment. The UK, for example, is running out of it for carrying this unnecessary waste. If such packaging is burnt, it gives off greenhouse gases which go on to cause the greenhouse effect. Recycling helps, but the process itself uses energy. The solution is not to produce such items in the first place. Food waste is a serious problem, too. Too many supermarkets encourage customers to buy more than they need. However, a few of them are coming round to the idea that this cannot continue, encouraging customers to reuse their plastic bags, for example.
But this is not just about supermarkets. It is about all of us. We have learned to associate packaging with quality. We have learned to think that something unpackaged is of poor quality. This is especially true of food. But it also applies to a wide range of consumer products, which often have far more packaging than necessary.
There are signs of hope. As more of us recycle, we are beginning to realize just how much unnecessary material we are collecting. We need to face the wastefulness of our consumer culture, but we have a mountain to climb.
1. What does the underlined word “over-consumption” refer to?| A．Using too much packaging. |
| B．Recycling too much waste. |
| C．Making more products than necessary. |
| D．Having more material than is needed. |
| A．the tendency of cutting household waste |
| B．the increase of packaging recycling |
| C．the rapid growth of supermarkets |
| D．the fact of packaging overuse |
| A．Unpackaged products are of bad quality. |
| B．Supermarkets care more about packaging. |
| C．It is improper to judge quality by packaging. |
| D．Other products are better packaged than food. |
| A．Fighting wastefulness is difficult. |
| B．Needless material is mostly recycled. |
| C．People like collecting recyclable waste. |
| D．The author is proud of his consumer culture. |
3 . Banks view online banking as a powerful “value-added” tool to attract and keep new customers while helping to eliminate costly paper handling or teller(出纳员)interactions in an increasingly competitive banking environment .
Today, most large national banks, many local banks and credit unions offer some form of online banking, variously known as PC banking, home banking, electronic banking or Internet banking. Online banks are sometimes referred to as “brick-to-click” banks, both to tell them from “brick-to-mortar” banks that haven’t yet offered online banking, as well as from “virtual”(虚拟)banks that have no physical branches or tellers whatsoever.
The challenge(挑战)for the banking industry has been to design this new service channel in such a way that its customers will readily learn to use and trust it. Most of the large banks can now offer fully safe, fully functional(功能的)online banking for free or for a small cost. As more banks succeed online and more customers use their sites, fully functional online banking will likely become as commonplace as automated teller machines (ATM).
Online banking has a lot of advantages. Unlike your corner bank, online banking sites never close; they’re at hand 24 hours a day, seven days a week, and they’re a mouse click away. If you’re out of state or even out of the country when a money problem appears, you can log on instantly to your online bank and take care of business. Online bank sites generally carry out and confirm (确认)deals at or quicker than ATM processing speeds. Many online banking sites now offer fashionable tools to help you manage all of your valuable items more effectively.
1. The word “eliminate” in the first paragraph probably means “ ”.| A．keep | B．remove | C．reduce | D．improve |
| A．To make online banking attractive. | B．To open new services all over the world. |
| C．To offer online banking for free. | D．To take care of business 24 hours a day. |
| A．“brick-to-click” banks are in fact another kind of physical banks |
| B．the function of a “brick-to-click” bank is as common as that of an ATM |
| C．a “brick-to-mortar” bank is no better than a virtual one |
| D．customers can deal with their banking by a mouse click |
| A．Banking of Various Forms | B．Improvement of Banking Industry |
| C．Development of Online Banking | D．Functions of the “Brick-to-Click” Bank |
University tuition fees (学费) are currently capped at £3,000 annually, but this will be reviewed next year and the Government is under enormous pressure to raise the ceiling.
In the researeh, the teenagers were presented with die terms of four different loans but 76 per cent failed to identify the cheapest. The young people also predicted that they would be earning on average £ 31.000 by the age of 25, although the average salary for those aged 22 to 29 is just £ 17,815. The teenagers expected to be in debt when they finished university or training, although half said that they assumed the debts would be less than £ 10.000. Average debts for graduates are £ 12，363.
Stephen Moir, head of community investment at the Royal Bank of Scotland Group which owns NatWest, said. "The more exposed young people are to financial issues, and the younger they become aware of them, the more likely they are to become responsible, forward-planning adults who manage their finances confidently and effectively."
Ministers are deeply concerned about the financial pressures on teenagers and young people because of student loans and rising housing costs. They have just introduced new lessons in how to manage debts. Nikki Fairweathcr. aged 15. from St Helens, said that she had benefited from lessons on personal finance, but admitted that she still had a lot to learn about money.
1. Which of the following can be found from the five-year researeh project?
| A．Students understand personal finances differently. |
| B．University tuition fees in England have been rising. |
| C．Teenagers tend to overestimate their future earnings. |
| D．The students' payback ability has become a major issue. |
| A．to raise the student loans | B．to improve the school facilities |
| C．to increase the upper limit of the tuition | D．to lift the school building roofs |
| A．are too young 10 be exposed 10 financial issues |
| B．should learn 10 manage their finances wellC- should maintain a positive attitude when facing loans |
| C．benefit a lot from lessons on personal finance |
| A．Many British teenagers do not know money matters well |
| B．Teenagers in Britain are heavily burdened with debts. |
| C．Financial planning is a required course at college. |
| D．Young people should become responsible adults. |
5 . “In only six days I lost seven pounds of weight.”
“Two full inches in the first three days!”
These are the kinds of statements used in magazine，newspaper, radio and television ads, promising new shapes and new looks to those who buy the medicine or the device. The promoters of products say they can shape the legs, slim the face, smooth wrinkles, or in some other way to add to beauty or desirability.
Often such products are nothing more than money-making things for their promoters. The results they produce are questionable, and some are dangerous to health.
To understand how these products can be legally promoted to the public, it is necessary to understand something of the laws covering their regulation. If the product is a drug, FDA(Food and Drug Administration)can require proof under the Food, Drug, and Cosmetic Act that is safe and effective before it is put on the market. But if the product is a device, FDA has no authority to require premarketing proof of safety or effectiveness. If a product already on the market is a danger to health, FDA can request the producer or distributor to remove it from the market voluntarily, or it can take legal action, including seizure(查封)of the product.
One notable case a few years ago involved an electrical device called the Relaxacisor, which had been sold for reducing the waistline. The Relaxacisor produced electrical shocks to the body through contact pads. FDA took legal action against the distributor to stop the sale of the device on the grounds that it was dangerous to health and life.
Obviously, most of the devices on the market have never been the subject of court proceedings(法律诉讼)，and new devices appear continually. Before buying, it is up to the consumer to judge the safety or effectiveness of such items.
1. It can be inferred that the ads mentioned in the text are . .| A．objective | B．costly | C．unreliable | D．illegal |
| A．The court is in charge of removing dangerous products. |
| B．New products are more likely to be questionable. |
| C．The production of a device must be approved by FDA. |
| D．The promoters usually just care about profits. |
| A．if it is a drug |
| B．if it is a device |
| C．if its consumers make complaints |
| D．if its distributors challenge FDA’s authority |
| A．a product which was designed to produce electricity |
| B．a product whose distributor was involved in a legal case |
| C．a successful advertisement of a beauty product |
| D．an example of a quality beauty product |
| A．make consumers aware of the promoters’ false promises |
| B．show the weakness of the law on product safety |
| C．give advice on how to keep young and beautiful |
| D．introduce the organization of FDA |
