First Bank & Trust : Making Life a Little Easier Every Day

1.Today you can do nearly all your banking by using your smart phone. Many of the major banks allow you to pay bills or transfer funds with a smart phone. Experts say that about 70% of Americans will use a mobile banking service in the near future. But some of them are worried about the safety of the mobile banking service. If you are to do banking frequently with your smart phone, you should get antivirus software and set a password on your phone.

2.[单选题]共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD(光盘)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 earn more money. If you put your money in a piggy bank(猪形储蓄罐),one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'II have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an 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. Among other things,a 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.

3.[单选题]共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD(光盘)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 earn more money. If you put your money in a piggy bank(猪形储蓄罐),one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'II have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an 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. The word"touch"in paragraph 7 could be best replaced by A deposit. B lend. C use. D cash.

4.If you have big expenses like a new cell phone, a computer on your list, how can you divide up the cost and spread it into your plan so you will have your payments ready on time? 选项： A:Ask your parents for more money B:save up and pay up front for the big purchase C:Borrow money from classmates D:Apply a loan from the internet

5. Beginning college is exciting: new ideas to explore,new challenges to be met and many decisions to be made. Your future begins here. However,you will find college life is different from your previous school environment. Many of us can be easily overwhelmed by the details of running a wellbalanced life. While some of us may have the knowhow,I guess there are more of us who can benefit from learning about the experiences of others who have walked the college halls before you. The following you may find of use about life on campus. ●Plan well. There are so many new things to do at a new college or university. Give yourself time to make new friends and become familiar with the campus,but don't forget why you are there. Give some time for social activities and manage your time wisely. ●If you don't have a "system" for planning your time now (like a day timer, a computer date book), get one. Most of all,don't depend on your memory. ●Don't miss the guidelines. The restrictions,rules and regulations of all kinds can usually be found in your student's handbook. Consider them well balanced food for thought. What dates are important? What pieces of paper need to be handed in? What can/ can't you do in your student residence(住处)? Who has the right for what? What do you need to complete to graduate? ●Write the word "STUDY" on the walls of our bedroom and bathroom,and maybe it will help to write it on a piece of paper and stick it on the telephone,TV and the kitchen table. Consider this-you are paying thousands of dollars for your courses. You pay every time you have to repeat or replace a course. ●Build your identity. This is the time for you to decide what to do and what not to do. Take as much time as you need to explore new ideas. Do not be afraid of the beyond. This is learning to make good choices.4.According to the passage, which of the following is true?A.College life is a little different from your previous school environment. B.You can always depend on your memory.C.Most of us can benifit a lof from other students who have experiences of college life earlier than you do.D.There is no need to pay every time you have to repeat or replace a course.选项： A:College life is a little different from your previous school environment. ; B:You can always depend on your memory.; C:Most of us can benifit a lof from other students who have experiences of college life earlier than you do.; D:There is no need to pay every time you have to repeat or replace a course.

6.问题4 单选 (1分) Beginning college is exciting: new ideas to explore,new challenges to be met and many decisions to be made. Your future begins here. However,you will find college life is different from your previous school environment. Many of us can be easily overwhelmed by the details of running a wellbalanced life. While some of us may have the knowhow,I guess there are more of us who can benefit from learning about the experiences of others who have walked the college halls before you. The following you may find of use about life on campus. ●Plan well. There are so many new things to do at a new college or university. Give yourself time to make new friends and become familiar with the campus,but don't forget why you are there. Give some time for social activities and manage your time wisely. ●If you don't have a "system" for planning your time now (like a day timer, a computer date book), get one. Most of all,don't depend on your memory. ●Don't miss the guidelines. The restrictions,rules and regulations of all kinds can usually be found in your student's handbook. Consider them well balanced food for thought. What dates are important? What pieces of paper need to be handed in? What can/ can't you do in your student residence(住处)? Who has the right for what? What do you need to complete to graduate? ●Write the word "STUDY" on the walls of our bedroom and bathroom,and maybe it will help to write it on a piece of paper and stick it on the telephone,TV and the kitchen table. Consider this-you are paying thousands of dollars for your courses. You pay every time you have to repeat or replace a course. ●Build your identity. This is the time for you to decide what to do and what not to do. Take as much time as you need to explore new ideas. Do not be afraid of the beyond. This is learning to make good choices.4.According to the passage, which of the following is true?A.College life is a little different from your previous school environment. B.You can always depend on your memory.C.Most of us can benifit a lof from other students who have experiences of college life earlier than you do.D.There is no need to pay every time you have to repeat or replace a course.选项： A:College life is a little different from your previous school environment. ; B:You can always depend on your memory.; C:Most of us can benifit a lof from other students who have experiences of college life earlier than you do.; D:There is no need to pay every time you have to repeat or replace a course.

7. Go！The Vehicle Your __________ personal voyage is unique to you. Every student has a unique destination and a__________ way of getting there. It’s time to step into your future. If you know exactly what you want to do, you may take a fast one-way track to your destination.You will be able to be able to ____________ coureses, activities, work and service experience and a posthigh school education that directly supports your personal and career goals. If you have some____________________ about what you want to do, but don’t know for sure, you maychoose a more fl uid way to navigate. You can make several stops along the way. Trying new things todecide what you like and don’t like. You can choose courses, learning experiences and post high schooloptions that __________ multiple areas of interest. If you have no idea where you are __________, you can benefit by observing the landscape. Makingsure you know all options available to you. You’ll want to look for experiences and post high schooloptions that will help you decide on your destination.

8.You can have money removed from your bank account without your knowledge. 选项： A、arrange for something to be done, or for someone to do something for you B、have somthing unfortunate happen to you by someone you don't know

9.问题2 单选 (1分) Beginning college is exciting: new ideas to explore,new challenges to be met and many decisions to be made. Your future begins here. However,you will find college life is different from your previous school environment. Many of us can be easily overwhelmed by the details of running a well balanced life. While some of us may have the knowhow,I guess there are more of us who can benefit from learning about the experiences of others who have walked the college halls before you. The following you may find of use about life on campus. ●Plan well. There are so many new things to do at a new college or university. Give yourself time to make new friends and become familiar with the campus,but don't forget why you are there. Give some time for social activities and manage your time wisely. ●If you don't have a "system" for planning your time now (like a day timer, a computer date book), get one. Most of all,don't depend on your memory. ●Don't miss the guidelines. The restrictions,rules and regulations of all kinds can usually be found in your student's handbook. Consider them wellbalanced food for thought. What dates are important? What pieces of paper need to be handed in? What can/ can't you do in your student residence(住处)? Who has the right for what? What do you need to complete to graduate? ●Write the word "STUDY" on the walls of our bedroom and bathroom,and maybe it will help to write it on a piece of paper and stick it on the telephone,TV and the kitchen table. Consider this-you are paying thousands of dollars for your courses. You pay every time you have to repeat or replace a course. ●Build your identity. This is the time for you to decide what to do and what not to do. Take as much time as you need to explore new ideas. Do not be afraid of the beyond. This is learning to make good choices.2. According to the passage,why is it exciting to begin college life?A. Because you will have more freedom at college. B. Because you will no longer be afraid of the beyond.C. Because you prepare for your future career and life there.D. Because professors there will provide you with many new ideas.选项： A:Because you will have more freedom at college.; B:Because you will no longer be afraid of the beyond.; C: Because you prepare for your future career and life there.; D:Because professors there will provide you with many new ideas.

10.Fill in the blanks with the help of the first letter(s).You have to learn to de_________ tasks and responsibilities and some of your power to your team members so that you can have more time to do other important things.

11.Passage ThreeOne of the important things in the world is friendship. In order to have friends, you have to be a friend. But how can you be a good friend at school?Listen—Listen when they are talking. Don’t say anything unless they ask you a question. Sometimes it’s not necessary for you to have anything to say; they just need someone to talk to about their feelings. Help them —if your friend is ever in need of something, be there to help them .You should try to consider them first, but you needn’t do everything they want you to do. Try to take an extra pencil or pen with you to classes in case they forget one. Have a little extra money in your pocket because they may forget something they need._______—Try to make plans with your friends. Go shopping, go for ice cream, have a party, go to a movie and so on. Take time to know each other even better by doing something you both enjoy. By planning things together, you both can have a good time. And you’ll remember these things when you are all old. 43题. Which of the following can be put in the blank of the last paragraph? 选项： A: Make plans B: Enjoy yourself C: Understand your friends D: Play with your friends

12.How to Start an Online Business If you’re ready to work for yourself but don’t have the capital to open up a storefront, consider starting an online business. You can reach millions of customers instead of whoever happens to wander in. However, like with any business, you’ll need an excellent product and a solid marketing plan. See the following steps and learn to start your business online. Define your product or service. No matter what you’re trying to sell, you can bet that hundreds more online retailers have a similar idea. What makes your products different? It’s truly original. Besides, offer expertise in an area. Even if the product itself isn’t very unique, your expertise might be a strong selling point. If you’re selling a line of skincare products, for example, it helps if you have a degree in a field related to skin health. Register your business. Your business needs to be registered according to your country’s laws. Choose an official business name and fill out right paperwork to make your business official. Know the business regulations in your country, and be sure to comply with. In some countries, businesses may start on some popular social media without being registered at the early stage. Get a web hosting service. There are free hosting services to be found, but if you’re serious about running an online business long term, consider paying for one that offers all the services you need. You’ll be less likely to run into problems when your business starts to take off. Create a stylish and functional website. Elegant or funky, classical or hipster, your online store should reflect what you’re selling. No matter what your style is, it’s important to give off a professional air. Since you won’t be able to earn people’s trust in person, your website will have to do the selling for you. Your site should be engaging, and most importantly, easy for customers to use when they’re ready to make a purchase. You don’t have to design the website yourself—there are professional designers who are more than up to the task. Get e-commerce software. You’ll need this so your customers can view your products, enter their information and make a secure purchase. Set up a merchant account. Using a service such as Alipay makes it possible to accept actually any form of credit card for your services. Be social. Whatever your business, keeping your name in the air is key to internet success. Have a business account on Sina, Baidu and other large social media. Make sure those sites link back to your main website, and that your website has links to all of them. Choose the correct answer. （1）If you're ready to work for yourself but don’t have the capital to open up a storefront, consider starting an online business. What does the word capital mean? （2）According to the passage, what makes your products different? （3）It is advised to use ____ web hosting service in this passage instead of free ones. （4）What is true about the website according to the passage? （5）What kind of service can Alipay offer according to the passage?

13.Sheet with a single line through the center.On deciding to buy your first home, you're likely to be excited and full of enthusiasm(热情). However, you should take care to plan well and understand the process to avoid any unexpected problems.　　Here are some things you'll need to consider to help you get started.First, think about what you need and what you want from your new home. Perhaps you need to be close to your place of work, because you don't drive. It may be that you want a large garden to satisfy your gardening hobby. Be sure to understand the differences between needs and wants, as it's likely you'll need to give up some of your wants.Then, use the internet, your local library and your friends and family to find out all you can about the buying process. You'll need to make decisions down the line and it will help if you understand the buying process.　　At this stage，you will normally need to contact a mortgage(按揭) advisor to see how much money you can borrow.Of course, there are lots of costs related to buying a home which may not be immediately clear to first time buyers.If you want to buy your first home, you are advised to . 选项： A:borrow some money from a bank B:save enough money in advance C:understand the buying process D:get to know the housing agent

14.资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.Some scary facts about retirement:More than 50% of persons do not have enough finances for retirement.25% do not participate in their company's retirement plan.The average person spends 20 years in retirement.Here are some tips to help you plan correctly:1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.2. Save, save, and keep on saving. Make it a habit to save as much as you can.3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.7. Get your employer to start one, and it can help you tremendously.8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.Which of the following is NOT true about retirement? 选项： A:More than half of people don’t have enough finances for retirement. B:quarter of people don’t take part in their company’s retirement plan. C:No one can be financially secure in retirement. D:The average person will spend 20 years in retirement.

15.If you ever need help saving money on car insurance, contact your local GEICO office. You'll get the great rates from GEICO. And they'll help make sure you receive all the discounts and special benefits you deserve. Your local GEICO office can help you find coverage (保险范围) for almost anything you own. We offer coverage for your motorcycle, ATV, boat or RV. GEICO has been saving people money for more than 75 years and is the second-largest personal auto insurance in the country, insuring over 21 million drivers. You can go to www.geico.com to report a claim, schedule an appointment, even view your estimate (估算) and photos of the damage. And when you take your car to a GEICO-approved shop, the claim repairs are guaranteed for as long as you own your vehicle.Why are you advised to contact your local GEICO office?It will help you save money on__1__. How can GEICO help you save money? It helps you receive__2__and special benefits you deserve. How long has GEICO been in operation? For more than__3__. How many drivers have been insured by GEICO?More than__4__. How can you report your claim? By visiting__5__. (5.0)