第二篇
    Saving Money
     Where you save your money often depends on what you are saving for If you are saving to
    buy a CD(光盤)or to go to a concert, then probably you would keep your money somewhere in
    your room·
     If you are saving for a big purchase like a mountain bike or a school trip，where would you
    save your money?
     One place to save money is the bank Putting your money in a savings account will help
    your money early more money If you put your money in a piggy bank(豬形儲蓄罐)，one year
    later you’11 still have the same amount of money you put in．If you put your money in a savings
    account，one year later, you’ll have more money than you put in Why?
     When you keep your money in a bank，your money earns interest．Interest is the amount of
    money a bank pays you to use your money．The bank uses your money (and the money of other
    people，too)to loan money to people and businesses．
     The bank will send you a statement several times a year A bank statement tells you how
    much money you have in your account，It also tells you how much interest you have earned．If
    you leave your money in the bank，you Can watch it grow!
     Another way you can save money is to buy a certificate of deposit or CD．If you have some
    money that you don’t need to use for a long time，this is a good way to make your money grow．
     You Can buy a cd at a bank．You agree not to use the money for a certain period of time
    That period might be from six months to five years．You Can’t touch your money during that time
    If you do，you must pay a penalty，or fee
    36 Your money will earn more money if you put it.
     A in your room．
     B in a piggy bank
     C in your pocket．
     D in a savings account
    37 A bank pays you interest for
     A wasting your money．
     B losing your money．
     C using your money．
     D decreasing your money
    38 Among other things．a(chǎn) bank statement tells you
     A the amount of money you have in the bank
     B the current rates of interest．
     C the current rates of exchange．
     D the best way to save your money
    39 If you draw your money before it is due．you will have to
     A pay interest to the bank．
     B close your account
     C open a new account．
     D pay a penalty or fee
    40 The word “touch’’ in paragraph 7 could be best replaced by
     A “deposit”
     B “l(fā)end”．
     C “use”．
     D “cash”．