You can borrow money from your relatives when you conduct your jab search, because you are

听力原文：M: Could you lend me 50 dollars to buy these new records？

W: I've only got 20 dollars to the end of the week,

Q: What does the woman mean？

(3)

A．She can give the man 20 dollars only.

B．She won't borrow any money from the man.

C．She will lend the money to the man at the end of the week.

D．She can't lend any money to the man.

u go about purchasing an article or a service can actually【C2】______you money or can add【C3】______the cost.

Take the【C4】______example of a hairdryer. If you are buying a hairdryer, you might【C5】______that you are making the【C6】______buy if you choose one【C7】______look you like and which is also the cheapest【C8】______price. But when you get it home you may find that it【C9】______twice as long as a more expensive【C10】______to dry your hair. The cost of the electricity plus the cost of your time could well【C11】______your hairdryer the most expensive one of all.

So what principles should you【C12】______when you go out shopping？

If you【C13】______your home, your car or any valuable【C14】______in excellent condition, you'll be saving money in the long【C15】______

Before you buy a new【C16】______, talk to someone who owns one. If you can, use it or borrow it to check it suits your particular【C17】______

Before you buy an expensive【C18】______, or a service, do check the price and【C19】______is on offer. If possible, choose【C20】______three items or three estimates.

【C1】

A．form

B．fashion

C．way

D．method

听力原文：M: I wish to buy a new car, but I spent too much on my house last year.

W: New cars are expensive. You can't borrow so much money.

Q: What happens to the man？

(15)

A．He has some money to buy a new car.

B．He fails in borrowing enough money from the woman.

C．He will spend much money on his house.

D．He wants to buy a new house and a new ear.

bout purchasing an article or a service can actually【B2】you money or can add【B3】the cost.

Take the【B4】example of a hairdryer. If you are buying a hairdryer, you might【B5】you are making the【B6】buy if you choose one【B7】look you like and which is also the cheapest【B8】price. But when you get it home you may find that it【B9】twice as long as a more expensive【B10】to dry your hair. The cost of the electricity plus the cost of your time could well【B11】your hairdryer the most expensive one of all.

So what principles should you【B12】when you go out shopping？ If you【B13】your home, your car or any valuable【B14】in excellent condition, you'll be saving money in the long【B15】.

Before you buy a new【B16】, talk to someone who owns one. If you can, use it or borrow it to check it suits your particular【B17】.

Before you buy an expensive【B18】,or a service, do check the price and【B19】is on offer. If possible, choose【B20】three items or three estimates.

【B1】

A．form

B．fashion

C．way

D．method

about purchasing an article or a service can actually【C2】______you money or can add【C3】______the cost.

Take the【C4】______example of a hairdryer.

If you are buying a hairdryer, you might【C5】______that you are making the【C6】______buy if you choose one【C7】______look you like and which is also the cheapest【C8】______price. But when you get it home you may find that it【C9】______twice as long as a more expensive【C10】______to dry your hair. The cost of the electricity plus the cost of your time could well【C11】______your hairdryer the most expensive one of all.

So what principles should you【C12】______when you go out shopping？

If you【C13】______your home, your ear or any valuable【C14】______in excellent condition, you'll be saving money in the long【C15】______

Before you buy a new【C16】______, talk to someone who owns one. If you can, use it or borrow it to check if it suits your particular【C17】______

Before you buy an expensive【C18】______, or a service, do cheek the price and【C19】______is on offer. If possible, choose【C20】______three items or three estimates.

【C1】

A．form

B．fashion

C．way

D．method

听力原文：W: Ah, come in, Mr. Parrot. Please sit down.

M: Thank you. A friend of mine told me the new bank manager was a worn... I mean, a lady, but I didn't expect you to be so young.

W: Well, never mind that, Mr. Parrott. What can I do for you？

M: Well, this friend told me that you lent him some money.

W: I don't think I've lent any money to a friend of yours, Mr. Parrott. The bank may have done that.

M: Yes, well, I wondered if I could borrow some money, too.

W: I see. You have an account with us, I suppose. Ah, yes, here's your file. Er, I'm afraid you're overdrawn, Mr. Parrott. How about a hundred pounds, as a matter of fact.

M: Really？ As much as that？ I didn't know.

W: And how much money would you like to borrow from us？

M: Fifteen thousand pounds.

W: That's rather a large sum of money. Can you offer us security？ Do you own the house where you live, for example？

M: Oh, yes. I own quite a lot of shares, too. A friend of ours looks after them.

W: A friend of yours？

M: well, a friend of my father's, actually. But they all belong to me. My father gave them to me after I got married last year. He's quite a rich man, you see.

W: He must be. Then why don't you ask him to lend you the money？

M: I don't like borrowing money from him. He wants me to be in- dependent from now on.

W: So I suppose you need this loan bemuse you want to set up a business of your own.

M: Well, no. I want to buy a weekend cottage, actually.

W: A cottage？ I'm sorry, Mr. Parrott, I don't think we can help you.

(27)

A．His friend.

B．The former bank manager.

C．The manager's friend.

D．His father.

How Do American Consumers Borrow ？

Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.

There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.

For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single-payment loans to consumers for short periods--30,60 ,or 90 days.

The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between ＄500 and ＄1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per ＄100 per day, or just under I percent a month. Suppose that you used ＄100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.

The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.

According to the first paragraph, young people ______.

A．have difficulty borrowing from their parents or relatives

B．can't get an interest-free loan from their parents or relatives

C．always borrow money from an agency

D．usually borrow from their parents or relatives

听力原文：M: Uh, could I borrow a few bucks until payday？ I'm a little short of cash.

W: Uh, yeah, I guess, but I'm running out of money myself, and you still owe me $ 20 from last week. And Mom and your friend Bob said you borrowed money from them this past week. How are things going anyway？

M: Well, not very well. To be honest, I'm really in debt, and I can't seem to make ends meet these days.

W: What do you mean？ I thought you found a great job recently.

M: Well, 1 do have a job, but I've used my credit cards to pay off a lot of things recently, but now, I can't seem to pay the money off.

W: Well, let me see if I can help you. How much money do you spend on your apartment？

M: Uh, I pay $ 890 on rent for the apartment downtown.., not including utilities and cable TV. But the place has a wonderful view of the city.

W: Uh, $ 890! Why are you paying so much for such a small place when you could find a cheaper one somewhere outside of the downtown area？

M: Yeah, I guess.

W: Okay. How much money do you spend on food a month'？

M: $6007!

W: And what about transportation？

M: Oh, I commute to work everyday in my new sports car, but I got a great deal, and my monthly payments are only $ 450. Come outside and take a look. We can go for drive!

W: No, I've heard enough. You've got to cut down on your spending, or you'll end up broke. I suggest you get rid of your credit cards, cut back on your entertainment expenses, and sell your ear. Take public transportation from now on.

M: Sell my car？ ! I can't date without a ear. What am I going to say？ "Uh, could you meet me downtown at the bus stop at 7:00？ Come on!"

W: And you need to create a budget for yourself and stick to it, and start with paying off your bills, starting with me. You owe me $ 50 dollars.

M: Fifty dollars! Wait, I only borrowed $ 20 from you last week. How did you come up with $ 50？

W: Financial consulting fees. My advice is worth at least $ 30!

(20)

A．His friend.

B．His sister.

C．His mother.

D．His colleague.

How Do American Consumers Borrow？

Young consumers often have not established their credit ratings. Many do not have steady incomes. They might have difficulty borrowing money from an agency in business to make loans. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have to have money available and be willing to lend it. You might even get an interest-free loan. However, a parent or relative who lends should receive the same interest as any other lender.

There are disadvantages in borrowing from parents or relatives. One is that they may not insist on you paying back the money by a certain time. As a result, you might let the loan drag on. This is especially true if you are not required to pay interest. This is not a way to develop good credit habits.

For most consumers, the cheapest place to borrow is at a commercial bank. Banks are a good source of installment loan which may run for 12 months or up to 30. Most banks also make single-payment loans to consumers for short periods—30,60,or 90 days.

The newest type of bank loan is one that a depositor can get simply by writing a check. It is usually called something like "ready credit" or "reserved checking." It works like this. A depositor is given a limited amount of credit, usually between ＄500 and ＄1,000. He or she may write checks up to the amount allowed. Once a check has been written, the amount of the check becomes a loan. Usually no charge is made for interest until the loan is made. A typical interest rate is 3 cents per ＄100 per day, or just under 1 percent a month. Suppose that you used ＄100 of your credit and repaid it in 30 days. The cost would be 90 cents. If you repaid it in 10 days, the cost would be only 30 cents.

The advantage of borrowing from a bank is that banks generally charge lower rates than most other lenders. One reason is that banks have more strict credit requirements than most other lenders. A consumer must have a fairly good credit rating to get a bank loan.

According to the first paragraph, young people ______.

A．have difficulty borrowing from their parents or relatives

B．can't get an interest-free loan from their parents or relatives

C．always borrow money from an agency

D．usually borrow from their parents or relatives

nd the money either from savings or by borrowing from the bank, a hire-purchase company or perhaps a friend. Similarly, a family buying a house for the first time commonly borrows from a building society(住宅互助委员会).

If you own a private business, a garage, shop, or a farm, you will need, from time to time, to buy new equipment, new furnishings, or, if you are doing well, new premises(房屋) so that you can expand. Some of the cost you can meet from the profits you have kept in the business, but often you will need help.

You will go to your bank, to a finance house, or perhaps to a relative or friend for finance provided from his savings. When you borrow money or raise money in this way you pay it back out of future profits.

Many large businesses, however, need cash for new developments or expansion far in excess of what can be provided from their profits or from private sources of capital. A new factory, an oil-well in the North Sea, can cost millions of pounds to construct and bring into production; a new design of car or brand of medicine likewise can cost millions of pounds to design, develop, test and market before it reaches the stage where it earns a profit.

Often these costs can be met from profits earned in other parts of the business or from reserves built up from profits earned in past years. Sometimes, however, it is necessary, and often it may be more advantageous, to raise new money from other sources.

There can be little prospect of raising the sort of stuns needed by major businesses from friends or acquaintances, and generally the banks are reluctant to provide sufficient cash on a permanent basis for long-term projects, though they will provide short-term finance. Such companies can sometimes only raise the money they need to stay in the front of industry and develop new products and sources of production by turning to the public at large and inviting it to lend them cash or take a share in the business in exchange for a share in future profits. This they can do by offering shares in the business or loan capital through stock exchange(证券交易所).

If you want to buy a house, which of the following could you do？

A．Borrow the money from a building society.

B．Borrow the money from a bank.

C．Take money from your savings.

D．Ask a friend to help you out.