Are you a saver or a spender?
A penny saved is a penny earned. This old saying calls attention to the wisdom of saving money. is another way to talk about saving for the future.
People who hate to spend money are known as tightwads, while those who like to get the most value for their money are called thrifty. A thrifty person is different from a spendthrift. A spendthrift is someone who spends wastefully. People like that are often said to spend money like a drunken sailor or like there's no tomorrow.
In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are low. Certificates of deposit（存款证） pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People can withdraw their money early but they have to pay a fine.
In a number of countries, people have been saving less over the years. The Organization for Economic Cooperation and Development is a group of thirty-four countries. The OECD says in 1990, Americans had a household savings rate of seven percent. This year, that rate is expected to be a little more than four percent and many European countries have higher rates like the UK and France , but Americans save more than families in countries like Japan and South Korea.
【小题1】Which of the following proverbs can be filled in the blank in Paragraph 2?A．Health is wealth.B．Money is a good servant but a bad masterC．Put money away for a rainy day.D．Money doesn’t grow on trees.【小题2】If you have $10,000, which of the following may help you get higher interest ?A．Choose certificates of deposit for one year.B．Put the money in banks for one year.C．Put the money in credit unions for one year.D．Choose certificates of deposit for one year but withdraw the money ahead of time.【小题3】What does the passage mainly talk about ?A．Different choices of putting money away in the US.B．The importance of saving money.C．How to put money into banks.D．The household savings rate in the US.C
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(答案→)C
解析：这篇文章主要讲了在美国，人们想开储蓄账户就多种选择，包括银行和信用机构。
【小题1】填句题：根据A penny saved is a penny earned. This old saying calls attention to the wisdom of saving money. 可知这里应该填。“未雨绸缪”是为将来打算的另一种说法。故选C。
【小题2】细节题：根据Certificates of deposit pay higher returns. 信用机构、银行等其他金融机构都对储户支付利息，但利率很低。存款证的回报要高些，故选A。
【小题3】主旨题： 通过阅读文章内容，可知这篇文章主要讲了把钱存在美国的不同选择，故选A。