Consumers would like to take in less calories so food manufacturers often print a smaller
A.Y
B.N
C.NG
A.Y
B.N
C.NG
第1题
听力原文: Hello. I would like to welcome everyone here on this fine May morning to Sun System's employee of the year banquet. As you already know, a 30-percent increase in sales records has been unfeasible until this point. We thank every one of you who has put all your hearts and energy into this company and helped bring consumers' firm faith in our products. All this would not have been possible without you. So, as president of Sun Systems, I have arranged a moment to recognize some outstanding employees. Please give a warm round of applause for the sales manager and my co-presenter Larry Kim!
When is the talk being given?
A.Spring.
B.Summer.
C.Fall.
D.Winter.
第2题
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
第3题
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 (利息) 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.
Which of the following is NOT true?
A.The newest type of bank loan is simple to get.
B.Bank loans are more difficult to get.
C.Banks charge higher interest rates.
D.Banks offer loans to those having a fairly good credit rating.
第4题
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
第5题
•For each question 13--18, mark one letter (A, B, C, or D) on your Answer Sheet for the answer you choose.
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 loan. Parents or relatives are usually their best source of loans. Of course, the parents or relatives would have money available and be willing to lend it. You might even get an interest-free loan.
For most consumers the cheapest place to borrow is at the commercial bank. Banks are a good source of installment loan which may run for 12 months up to 30. Most of 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 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% 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.
There is another source of consumer loans that may be even cheaper than a bank. It is a credit union. But you have to be a member to borrow from one. A credit union is a cooperative. You remember that a cooperative is a business organized to provide its owners, or members, with goods or services at a saving. Like a bank, a credit union is both a savings and a lending organization. Its members deposit their savings in the credit union and are paid interest in return. These savings are used to make loans to members at low rates. Members of a credit union are people with a common bond. They may work for the same firm or belong to the same church, lodge, or labor union.
Consumer loans are small in amount compared to those made to business firms. Companies that specialize in making loans to consumers, therefore, are sometimes called small-loan companies. These companies operate under state laws which regulate both the maximum amount that can be loaned and the rates charged. Regulations vary from one state to another. In general, however, the rates charged by small-loan companies are higher than those of other legal lenders except pawnbrokers. The following facts should tell you why.
Half or more of the loans made by small-loan companies are signature of character loans. Practically all loans are paid in installments. In some states, small-loan companies will lend as little as $ 25 or $ 50. Many of their customers are persons whose credit ratings are so poor that they cannot borrow elsewhere.
Another possible source of loans is a life insurance policy. Life insurance loans are easy to obtain. The rate charged is less than that for almost any other type of loan available to consumers. This is because the lender takes no risk. Also, borrowers may take as long as they want to repay their loans. Although that may seem like an advantage, it can also be a disadvantage. When a borrower is not required to repay a loan within a certain time, it is easy to let it run on and on. This increases the dollar cost of the loan because interest must be paid for as long as the loan continues.
Why is it difficult for young consumers to borrow money from bank?
A.Because they have no steady work and can't register a credit card.
B.Because they drag out the loan.
C.Because they are unlikely to pay the things purchased by credit.
D.Because they are unwilling to pay interest.
第6题
Advertisers also【C9】______to the American desire to look youthful and be physically attractive. Commercials attempt to sell many products—shampoo, toothpaste, deodorant and soap, for example—【C10】______implying that their particular【C11】______will help its user be more appealing.
But Americans also make many【C12】______for practical reasons. They buy【C13】______devices to do routine household chores more quickly and easily. Every housewife wants a vacuum cleaner, an electric mixer, a steam iron, an automatic clothes washer and dryer, and a dishwasher.【C14】______every home-owning husband would like a power lawn mower, as now -blower, and an electric drill.
Americans also buy things【C15】______they like to do things. Equipment【C16】______hobbies and books about "do-it-yourself' projects are very popular. Americans want to know how to cook with a "continental" flair while refinishing the bedroom furniture and【C17】______a million dollars in the stock market. The American【C18】______of activity is part of a generally【C19】______outlook on life, a belief that the value of knowledge is【C20】______to its usefulness.
【C1】
A.what
B.it
C.that
D.which
第7题
What had the study's organizers expected of the survey results?
A.More consumers would prefer TV ads to print ads.
B.More consumers would prefer print ads to TV.
C.Both TV ads and print ads should have their fans.
D.Print ads should get the credit they deserve
第8题
But Mr. Keller is right to move away from tipping—and it's worth exploring why just about everyone else in the restaurant world is wrong to stick with the practice.
Customers believe in tipping because they think it makes economic sense. "Waiters know that they won't get paid if they don't do a good job" is how most advocates of the system would put it. To be sure, this is a tempting, apparently rational statement about economic theory, but it appears to have little applicability to the real world of restaurants.
Michael Lynn, an associate professor of consumer behavior. and marketing at Cornell's School of Hotel Administration, has conducted dozens of studies of tipping and has concluded that consumers' assessments of the quality of service correlate weakly to the amount they tip.
Rather, customers are likely to tip more in response to servers touching them lightly and leaning forward next to the table to make conversation than to how often their water glass is refilled—in other words, customers tip more when they like the server, not when the service is good. Mr. Lynn's studies also indicate that male customers increase their tips for female servers while female customers increase their tips for male servers.
What's more, consumers seem to forget that the tip increases as the bill increases. Thus, the tipping system is an open invitation to what restaurant professionals call "upselling": every bottle of imported water, every espresso and every cocktail is extra money in the server's pocket. Aggressive upselling for tips is often rewarded while low-key, quality service often goes unrecognized.
In addition, the practice of tip pooling, which is the norm in fine-dining restaurants and is becoming more common in every kind of restaurant above the level of a greasy spoon, has ruined whatever effect voting with your tip might have had on an individual waiter. In an unreasonable outcome, you are punishing the good waiters in the restaurant by not tipping the bad one. Indeed, there appears to be little connection between tipping and good service.
It may be inferred that a European-style. service ______.
A.is tipping-free
B.charges little tip
C.is the author's initiative
D.is offered at Per Se
第9题
A.debtors
B.zero savers
C.dissavers
D.creditors
E.both A and C
第10题
The American love of comfort originated from______.
A.the Americans" great pride in their abundant natural resources
B.the early settlers" belief in hard work
C.the pioneers" strong desire to make life more comfortable
D.the pioneers" ignorance of frugality and conservation