经济理财类文章课外补充阅读.doc

经济理财类文章课外补充阅读经济理财类文章的讲解已经告一段落啦，但大家课后也要及时巩固才是啊。这是我从最新一期的读者文摘中摘选的一篇文章，我不仅按照中口的长度做了删节，而且也仿照中口出题特点，帮大家在后面出了题目（还附讲解哦）。文中出现了多处我们今天刚刚提及的经济类名词，是一篇非常好的文章。赶紧来自测一下今天学习的效果吧。The financial gurus will be debating for years how we got into the mess were in-and how well get out of it. But while the talking heads are talking, youd like to know how to shore up your resources so you wont have to worry about every little hiccup in the stock market. Here are time-tested strategies you can masterhow to spend less, reduce your debt, make the most of your tax breaks, and finance your retirement.Forget the short form. Most taxpayers-65 percent of us, to be specific-just take the standard deduction. But you may save money by itemizing your deductible expenses. It doesnt matter if you use an online program, a current tax guide, or a storefront preparer. Out-of-pocket health care charges, business expenses (including some for job searches), and charitable donations are just a few of the items you may be able to deduct.Avoid a tax refund. You may feel giddy knowing youll get a check from the IRS this spring, but you shouldnt. Getting money back means youre essentially lending money, interest free, to the government for the year. Better to have that cash in your account than lend it to Uncle Sam.Avoid rapid refund programs. Sure, they sound great. After all, what can be better than getting your money fast? A tax-prep chain might try to get you to agree to one of these instant or anticipation options. Dont take the bait. This is not your refund. Its a loanand a very high-interest loan at that. The average for 2008 was 123 percent. If you file electronically, even if its through a tax chain, the IRS will deposit your refund directly into your bank account within a week or two.Cut up your extra credit cards. But dont close the accounts. Yes, its smart to reduce your temptation to splurge by destroying your cards. But if you actually cancel them, it could hurt your credit rating. Heres why: Lenders worry about how close you are to using all the credit available to you. If you close an account, you lose its credit line. As a result, you are using a greater portion of the reduced amount you can now borrow. How many cards do you need? While the average American household has nine, two or three active cards should be plenty.Contribute to your companys 401(k). If your company matches funds, sign up. This will be the best investment you can possibly make. Typically, a company will kick in 50 cents for every dollar you save, up to 6 percent of your salary. Thats the equivalent of earning an immediate 50 percent return-a rate you cant get anywhere. Yet incredibly, one in three American workers who are eligible isnt taking full advantage of it. With the matching funds, you can more than double the size of your 401(k) in 20 years, even if the stock market remains flat.1. Which of the following is the authors main purpose of writing this article?A. To tell the readers that the economic recession may last for a long time.B. To offer readers suggestions to go through the current economic slump.C. To show us ways of avoiding taxes.D. To prove to us that financial experts are always wasting their time talking instead of doing something smart.2. Which of the following is NOT one of the items that you can deduct?A. business expensesB. charitable donationC. out-of-pocket health care chargesD. 401-k3. “Uncle Sam” (para.3) refers to the _.A. American governmentB. American people in generalC. American taxpayersD. American consumers4. According to the passage, which of the following is true about “credit card”?A. Average Americans own fewer credit cards than they necessarily need.B. Closing the accounts of your credit cards will be beneficial for your credit rating.C. Canceling you credit card is a wise way to quench you thirst to consume.D. Cutting up more credit card means you can save more money.5. Which of the following is TRUE about the passage?A. You have every reason to feel happy if you get a refund check from the IRSB. Most Americans fail to make good use of their companies 401-k offer.C. The money withdrawn from 529 plans can be used for different purposesD. If you take “rapid re