C
Every year, thousands of new high school graduates pack their bags, move to new cities, and sign papers
accepting loans, the money borrowed from a bank or lenders etc., which they might not be able to pay back.
Without proper education on personal finance, especially as it relates to paying for college, young adults are
guided into improper loan plans that result in years of debt after graduation. In order to set students up to
succeed financially, it is important to educate students and parents on their financial options before school in
the fall. The best way to support families heading for college is to require that every high school student take a
personal finance class before graduation. This will help smooth the transition into adulthood.
The average student takes out at least one loan to cover the costs of their education each year. In 2014 the
average student graduating from college carried a negative balance of about $20,000 in debt, which often
spread over multiple lenders. Upon graduation, students rarely know exactly how much money they owe, and
even though they are in the state of being unable to pay their debts, they cannot wipe out student loans. These
students spend much of their adult lives paying off the gradual increasing debts.
A personal finance course would teach students how to manage their income and expenses, while helping
to significantly reduce the amount of debt students carry into adulthood. By teaching students how to save
money and live within their means, this course will provide the next generation with a foundation to progress
financially. Students choosing to get a job straight out of high school would also benefit from finance
education for these very reasons. With education on how to manage their finances, all young people will have
the knowledge to make healthy decisions, leading them to improve good credit and purchase needed items like
cars and homes with skill and confidence.
While not every young person makes financial mistakes, those who do can face years of difficulty trying
to get their finances back under control. Rather than help them through these hard times when they happen, we
should try to prevent them from happening at all. Making the completion of personal finance coursework a
requirement for graduation would ensure that young people are at least aware of the basics of preserving a
financial stability.
8. After graduation from college, many young people .
A. struggle to support their families B. spend years paying off their debts
C. get through the hard times smoothly D. are able to manage their own finances well
9. What is the third paragraph mainly about?
A. Advantages of taking a finance course. B. Ways to improve financial credits.
C. Skills of balancing income and expenses. D. Introduction to the education on personal finance.
10. Having financial knowledge, high school students are probably able to .
A. smooth their way for college B. get out of their financial trap
C. free from the cost of their college education D. avoid the risk of the future financial trouble
11. The main purpose of the passage is to .
A. inform and explain B. argue and persuade
C. analyze and evaluate D. discuss and examine
D
Mario Cohn-Haft remembers the sinking feeling he had when he realised the parrot he had come to see
would probably not appear before him again. He had taken a bird-watching tour to the area where the very last
wild Spix’s macaw(金刚鹦鹉), a blue parrot native to Brazil, was known to show itself. But that tour was the
first he had led that couldn’t spot it. “I was one of the first people to experience it being extinct in the wild,”
says Cohn-Haft, an ornithologist (鸟类学家). That was 20 years ago. No wild Spix’s macaws have been seen
since.
But today there is hope. Spix’s macaws still exist. A small number of breeding pairs are currently living in
captivity ( 圈 养 ). Conservationists are in the middle of a project to raise healthy birds and prepare them for
release into the wild. The Association for the Conservation of Threatened Parrots (ACTP) is leading current
efforts.
Cromwell Purchase, a director at the ACTP, explains that the group plans to send 50 Spix’s macaws to
rehabilitation facilities in Brazil, which are currently under construction. If all goes well, the birds will be
shipped from Germany soon. The conservation team will first practice a technique for releasing the birds on a
small flock of Illiger’s macaws. Then, in 2021, the Spix’s will be released with a small group of the Illiger’s,
which will hopefully help them to adapt to the forest of Caatinga.
The real test will be whether the birds take to their native surroundings and whether they successfully
breed and raise chicks in the wild. But Brazil wants the plan to work. “We know how to reintroduce parrots.
There are now many publications and case studies that show we can get birds out into the wild and have them
survive,” says Don Brightsmith, an expert in parrots. Brightsmith notes one important point — the birds must
be shown how to raise chicks independently. Otherwise, any reintroduced population will quickly collapse.
Happily, Purchase says this is something he and his colleagues are working on. Should the birds flourish,
the blue flash of a Spix’s wings might one day be seen again by locals and, perhaps, fascinated groups of bird-
watchers.
12. What do we know about Cohn-Haft’s bird-watching tour 20 years ago?
A. It turned out to be fruitless.
B. It was his last bird-watching tour.
C. It inspired him to study the Spix’s macaw.
D. It allowed him to spot the last wild Spix’s macaw.
13. Which of the following is most likely to take place in 2021?
A. Some Spix’s macaws being sent to their natural habitat.
B. Some Spix’s macaws and Illiger’s macaws being crossbred.
C. Some new Spix’s macaw rehabilitation facilities being built.
D. Some breeding Spix’s macaws being imported from Germany.
14. Which word can best describe Brightsmith’s tone of speech?
A. Cautious. B. Confused. C. Confident. D.Concerned.
15. What does the underlined word “this” in the last paragraph refer to?
A. Case-studying wild Spix’s macaws.
B. Enabling Spix’s macaws to fly again.
C. Increasing the population of Spix’s macaws.
D. Training adult Spix’s macaws to be qualified parents.