Text 1

Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions on Answer Sheet 1. For questions 1-7, choose the best answer from the four choices marked A), B), C) and D). For questions 8-10, complete the sentences with the information given in the passage.

Ten Tips for Saving Money in College

College can be an expensive endeavor, even with scholarships and other kinds of financial aid. It's difficult enough balancing a class schedule—the thought of balancing a check book, on the other hand, can strike fear into the hearts of even the most studious mathematicians. Everything from textbooks, food, transportation, supplies and entertainment—these will all cost you money. There's no getting around it. However, there are easy ways to save. Here are several ways to avoid the constant panic of going broke:

Buy Textbooks from Used Bookstores

New textbooks from university bookstores can be very expensive. Brand new editions of chemistry books, for instance, can cost as much as $300, and that's not including any lab material. However, you can cut costs on reading materials and not starve. Look around for used bookstores. Most college campuses should have several－the prices are heavily discounted, and book conditions are usually good. If you have enough time before classes start, check out the Internet for your books. Even with shipping charges, prices can turn out to be cheaper from online bookstores. And don't forget－some of your friends might have taken a course in the past. Ask around and see if you can borrow from someone.

Seek Alternative Transportation

Instead of driving to class and spending money on gas, parking passes and possible tickets, look into a local bus or subway system. If the system is run by your university, you'll probably be able to ride for free with a student ID.If a transportation system doesn't exist (or the existing one isn't safe or reliable), try to work out class schedules with friends and carpool. If you're close enough, walk or bike to class and get some much-needed exercise.

Choose the Right Meal Plan

Campus meal plans vary depending on the university—food quality, how often you eat, how much you eat, and location are all factors. A meal plan can be a good deal, however, so do a little research and see if it's worth it. Grab a brochure; ask meal plan veterans; anything to get a little taste. Some universities offer off-campus meal plans, too. These usually involve deals with food chains, so make sure the plan is appealing to you. If you decide to skip out on a meal plan, it's possible to eat enough and eat healthy on your own budget. Cut out coupons, buy in bulk and sign up for a shopper's discount card. Be creative and plan dinners with roommates and friends instead of going to more expensive restaurants.

Set Up a Student Checking Account

Banks usually cater to college students by offering free checking and savings accounts, allowing you to avoid fees on withdrawal（取款）, fund transfers or the minimum amount allowed in the account. Make sure online banking is an option, as this makes it easier to follow your activity. Keep track of your account—over-drafting（透支）will only cost you more in fees. So, do what it takes to stay out of the red as much as possible.

Get Organized

It might seem like a hassle, but saving receipts of everything you purchase—from small items such as a candy bar or a CD, to big-ticket items like a new computer—is a great way to monitor your spending habits. Try it out for a month. When your thirty days are up, add up all of your expenses and see where your money went. You'd be surprised at how easy it is to cut back on unnecessary spending.

Be Creative with Your Leisure Time

Everyone needs to unwind after studying, and college campuses typically offer all sorts of opportunities-movie theaters, bars, cafes, arts centres, parks, downtown shopping centres, et cetera. Ask if any of these places offer student discounts. You can also think of alternative ways to have a good time. If you make the right choices and use a bit of creativity, you can have fun and save money at the same time. Plan a picnic in the park; make dinner for a date instead of going to a fancy restaurant; go for a bike ride around town; play Frisbee golf on campus. Any of these activities cost a fraction of the typical college experience and can be more fun.

Find a Job

If you can fit it into your busy class schedule, a part-time job is a great way to bring in some extra income and give you some more flexibility with your spending. Waiting tables or delivering food can bring in great tips, and college-town restaurants are almost always looking for new help. A great way to earn some money and get some studying done is to work at your university's library. It's not a very demanding job and is usually quiet, so you can read for class and get paid at the same time.

Get the Right Cell Phone Plan

It's difficult to get by without a cell Phone today, but with a little research you can find an affordable plan that fits your needs. If they're up for it, join a family cell phone plan with your parents. It's usually much cheaper for everyone involved than having separate plans. If you're on your own, check out websites that offer side-by-side comparison charts of different cell phone plans. You should also avoid text messaging. Before you know it, you could rack up hundreds of dollars worth of texts when you could have communicated the same information for much less. Remember, phone companies charge both the sender and receiver of text messages, so let your friends know if you don't want them to text you five times every class. Send out e-mails or use free networking websites like Myspace or Facebook.

Smart Apartment Living

If you're not living in the dorms, split the rent with a few roommates. When thinking about appliances, see if your apartment complex provides a refrigerator, a washer and dryer, a microwave, and other handy accessories. If your parents or friends have any old appliances lying around, ask them if they'd be willing to part with them. Electricity, water and heating bills can be costly, so do your best to conserve—turn off lights when you're not in the room, use as little water as possible by taking fast showers and use heat sparingly.

Look Out for Scholarships

If you're applying for college right now or thinking about transferring to another school, it doesn't hurt to do some research on various types of financial aid provided by the school. Aside from the obvious chunk of cash you'll save in the long run, several scholarships offer all sorts of perks（补贴）and benefits—semester stipends, group trips, special access to useful resources, et cetera. If you're already enrolled but haven't received any aid, keep trying! If your grades are good and, you show you mean business, many scholarship programs give you the opportunity to apply each semester.

1.According to the passage, which at the following is NOT necessary for college students to buy since they cost too much money?

A.Reference books.　　B.Brand new textbooks.

C.Reading materials.　　D.New editions.

2.If no transportation system exists in a university, to save money on transportation, the college students should______.

A.drive to class and spend money on gas　　B.ride for free with a student ID

C.work out class schedules with friends　　D.walk or bike to class

3.Which of the following can make college students eat enough and eat healthy on their own budget?

A.To grab a brochure.　　　　　B.To asking meal plan veterans.

C.Not to stick on a meal plan.　　D.To have shopper's discount card.

4.A college student should notice his or her account because______.

A.banks offer free checking and saving accounts　　B.banks allow a student to avoid fees on withdrawals

C.it is easier to follow your activity　　　　　　　D.over-drafting will cost more in fees

5.The purpose of encouraging students to collect receipts of every purchase is to______.

A.help them avoid unnecessary fees　B.monitor their spending habits

C.add up all expenses　　　　　　D.see where their money went

6.If a college student doesn't want to spend money on typical campus leisure, how to have fun and at the same time to save money?

A.Unwind after studying.　　B.Ask if the place offers student discount.

C.Create some activities.　　D.Go to a fancy restaurant.

7.Why working at a university's library is better than waiting tables or delivering food?

A.College student can earn more money.　B.College student can bring in great tips.

C.College student can help others.　　　D.College student can read for class and meanwhile get paid.

8.To communicate the same information, sending out e-mail or using free networking web sites is much cheaper than________________________________________.

9.A good way to save apartment living bills is to ask whether your parents or friends want to give you their_______________________________________________.

10.College students with good academic achievements and poor financial background have chances to apply for__________________________________________.

1.【答案】B

【解析】本题考查分析判断能力。见第二段第二、三句“Brand new editions of chemistry books, for instance, can cost as much as $300, and that's not including any lab material. However, you can cut costs on reading materials and not starve.”通过这句话可知，崭新版本的化学课本会花掉你300美元，那还不包括任何实验用的教材。但是，你可以在买阅读材料上削减开支而且不必饿肚子。据此判断，答案是B。

2.【答案】C

【解析】本题考查分析判断能力。见第三段第三句“If a transportation system doesn't exist (or the existing one isn't safe or reliable), try to work out class schedules with friends and carpool.”通过这句话可知，如果那里无车可乘（或现有的车存在安全问题或不可靠），那就和朋友们组织起来制定班级行车表，合伙用车。据此判断，答案是C。

3.【答案】C

【解析】本题考查分析判断能力。见第四段第六句“If you decide to skip out on a meal plan, it's possible to eat enough and eat healthy on your own budget.”通过这句话可知，如果你决定放弃校方提供的餐饮计划，也可以花自己的钱，在预算范围内吃饱吃好。据此判断，答案是C。

4.【答案】D

【解析】本题考查分析判断能力。见第五段第三句“Keep track of your account—over-drafting（透支）will only cost you more in fees.”通过这句话可知，要及时了解自己的账户余额——因为透支只会使你花更多的钱。据此判断，答案是D。

5.【答案】B

【解析】本题考查分析判断能力。见第六段首句“It might seem like a hassle, but saving receipts of everything you purchase—from small items such as a candy bar or a CD, to big-ticket items like a new computer—is a great way to monitor your spending habits.”通过这句话可知，这看上去似乎很麻烦，但是，保存所有开销的数据是监控你的开销习惯的一个很好方式。据此判断，答案是B。

6.【答案】C

【解析】本题考查分析判断能力。依据第七段第四句“If you make the right choices and use a bit of creativity, you can have fun and save money at the same time.”和第七段最后一句“Any of these activities cost a fraction of the typical college experience and can be more fun.”通过这两段话可知，如果选择正确，再用一点创造力，就可以享乐和省钱并举。与那些典型的校园活动相比，所有这些活动仅花费一点点钱，但也许会带来更多乐趣。据此判断，答案是C。

7.【答案】D

【解析】本题考查分析判断能力。见第八段第二至第四句“Waiting tables or delivering food can bring in great tips, and college-town restaurants are almost always looking for new help. A great way to earn some money and get some studying done is to work at your university's library. It's not a very demanding job and is usually quiet, so you can read for class and get paid at the same time.”通过这段话可知，做侍应生或运送食物的工作会带来丰厚的小费，而大学图书馆的工作让你拿到工钱的同时还给你看书学习之便。据此判断，答案是D。

8.【答案】text messaging

【解析】依据第九段最后三句“You should also avoid text messaging. Before you know it, you could rack up hundreds of dollars worth of texts when you could have communicated the same information for much less. Remember, phone companies charge both the sender and receiver of text messages, so let your friends know if you don't want them to text you five times every class. Send out e-mails or use free networking websites like Myspace or Facebook.”通过这段话可知，答案是text messaging。

9.【答案】old appliances

【解析】依据第九个小标题下第三句“If your parents or friends have any old appliances lying around, ask them if they'd be willing to part with them.”此句话是说，如果你的父母或朋友有闲置的旧电器，就问问他们你可否使用。据此判断，答案是old appliances。

10.【答案】many scholarship programs

【解析】依据第十个小标题下末句“If your grades are good and you show you mean business, many scholarship programs give you the opportunity to apply each semester.”通过这段话可知，成绩好的学生可以申请奖学金。据此判断，答案是many scholarship programs。

参考译文

大学省钱十要诀

即便有奖学金和其他资金援助，上大学还是一项巨大的开支。在学习与开销间找到平衡很不容易。有时最好学的数学家们一想到需要保持开支平衡就心虚不已。所有的一切——从教材、食物、交通、供给到娱乐——都需要花钱。你根本没办法绕过它，不过有些简单的办法可以帮你省钱。下面介绍了一些方法能够帮助你避免陷入破产的恐惧中：

在二手书店买教材

大学书店中的教材有可能非常贵。比如：崭新版本的化学课本会花掉你300美元，那还不包括实验用教材。但是，你可以在买阅读材料上削减开支而且不必饿肚子。你应该去找找二手书店。大多数大学中都应该有几个二手书店，店内书的价格打折很多，书本的状况也不错。如果在开课前还有足够的时间，就上网查找你要的书。从网上书店买的书价格比较便宜，即使算上运费，也比较合算。对了，别忘了——你的朋友们也许过去上过同样的课，去问问他们看是否能从谁那里借到课本。

寻找恰当的交通方式

最好不要驾车上课，把钱花在汽油、停车费和一些罚单上。你应该查看一下当地的汽车和地铁网络图。如果有车是你的大学运营的，你很可能可以凭学生证免费乘车。如果你们那里无车可乘（或现有的车存在安全问题或不可靠），那就和朋友们组织一起来制定班级行车表，几个人一组搭车或者拼车上学。如果你住在学校附近，就步行或骑自行车上学，还能够锻炼身体。

选择合适的饮食计划

受到食物的质量、个人校内餐饮的次数、个人的饭量及餐饮的场所等因素的影响，各个大学校园的饮食计划标准不同。校园餐饮费会花掉你一大笔钱，你得研究一下，看看这笔钱花得值不值。找一本菜品小册子，问问经验丰富的老手，找机会尝尝菜等。有些大学提供校园外餐饮服务，通常与校外食品供应商或餐馆合作。你得查明这些餐饮计划是否符合你的要求。如果你决定放弃校方提供的餐饮计划，也可以花自己的钱，在预算范围内吃饱吃好。收集优惠券，买食品要大量购进，并要使用商家发的折扣卡。要富有创造性，与室友和朋友们一起做晚餐，不要去餐馆，那里的餐价要贵得多。

开设学生储蓄账户

为了迎合大学生，银行通常向大学生提供免费的活期和定期存款的服务，大学生们取钱和转账方面可以免费，银行还允许大学生的账户留有最低存款额。你应该确保网上银行的使用，因为网上银行使你的各种操作活动变得更为容易。要及时了解自己的账户余额——因为透支只会使你花更多的钱。因此，一定要竭力使自己的账户留有余额。

要条理化

这也许显得有点唠叨，但保存所以开销的收据对监测你的开销习惯有极大帮助，小至一块糖或一片CD，大到一台新电脑不等。试着将这些收据攒上一个月。一个月到期时，把所有花掉的钱加起来，并看看这些钱都用到了什么地方。你肯定会惊讶地发现，消减不必要的开支原来这么容易。

创造性地利用闲暇时间

学习之后大家都需要放松一下，大学校园里的活动多种多样，典型的活动包括看电影、泡吧或咖啡厅、到艺术中心放松、逛公园、到繁华地带的购物中心购物等等。询问这些地方是否提供学生优惠活动。或者你可以选择其他方式来度过一段美好时光。如果你选择正确，再用一点创造力，就可以享乐和省钱并举。在公园中搞个野餐活动，约会时共同做一顿晚餐而不是去高档餐厅，去进行环城自行车旅行，在校园里玩飞盘等。与那些典型的校园活动相比，所有这些活动仅花费一点点钱，但也许会带来更多乐趣。

找份工作

如果你学有余力的话，就可以找份兼职工作，既能带来额外收入又能让你在花钱方面稍有弹性。做侍应生或运送食物的工作会带来丰厚的小费，学校和城里的餐馆也总是人手不够。有一份兼职工作能让你挣钱和学习两不误，那就是在大学图书馆工作。这项工作的要求并不高，工作环境安静，所以你既能看书学习又能拿到工钱。

制定合理的电话开销计划

如今没有手机寸步难行，但是你稍做研究调查就会找到负担得起的方案。如果可行，参加家庭手机计划，与你父母共同分担花销。通常来说大家都使用同一方案比各用各的节省得多。如果你是单独的，那就上网查询关于不同手机定制使用的比较。你还应避免使用短信。也许你的短信费都积累上好几百美元，而你还不知道呢。而本来你可以花少得多的钱传送同样多的信息。记住，电话公司是双向收取短信费的，一条短信既向发送者收钱，又向收信者收钱。因此告诉你的朋友不要每节课都给你发好几条短信。向大家传送信息时使用电子信件或通过免费的网站发送，如Myspace或 Facebook。

明智的公寓生活

如果你不是住宿舍，那就和室友分担租金。说到电器，看看你们租的公寓是否提供冰箱、洗碗机、烘干机、微波炉和其他有用的电器。如果你的父母或朋友有闲置的旧电器，就问问他们你可否使用。公寓中水、电、供暖的开销昂贵，所以要尽可能节约——不在屋里的时候要关灯，尽可能地少使用水，洗澡时要简单快洗，节约使用供暖。

留心各种奖学金

如果你现在正在申请大学或正在考虑转学，有必要查看该学校提供的各种资金援助。除了在长期的大学生活中你能省下大笔的钱外，几项奖学金可对你生活的各方面进行补贴而且使你受益匪浅——学期补助、团队旅行、某些资源的特殊利用等等。如果你已经报名但还没有得到任何资金援助，就继续努力！如果你学习成绩优秀，而生活又拮据，学校每学期都有许多奖学金项目，会给你提供申请的机会。