10The club asks each member to pay a small every year.
Afight
Bliter
Cwinner
Dfee
✔ 正確答案：(D) fee
中譯這個社團要求每位成員每年繳一筆小額費用。
解析加入要繳的錢是「費用 fee」。fight 打架、liter 公升、winner 贏家都不合。
單字fee 費用、member 成員、winner 贏家
2
段落填空 Cloze
共 8 題／2 個段落，每段 4 格
請閱讀段落，並由四個選項中選出最適合每個空格的答案。
Passage 1
The Jar on the Shelf
When I was eleven, my mother gave me an empty box and told me to put one coin in it every Friday. She did not tell me what it was for. (11) By the end of that year the box was heavy, and I had stopped thinking about it. Then my bicycle wheel broke. My mother was gentle but did not give me the money, (12) she pointed at the shelf. I paid for the repair myself, and I remember the weight of the box in my hands. (13) I understood the lesson she had not put into words. Money that arrives slowly feels different in the hand, (14) nobody can teach that with a speech.
A person who would never pay two thousand dollars for a jacket may pay sixty dollars for a drink every working day. (15) Sixty times two hundred and fifty days is fifteen thousand, more than seven jackets. We judge a price against the thing beside it, not against a year. Banks know this, (16) a small monthly fee is simpler to sell than a large one paid once. Some people now write down every cost for one month, not to feel bad, but to see the shape of it. (17), they often find that the big choices were never the problem. The money did not go in one loud moment, (18) in five hundred quiet ones.
✔ 正確答案：(A) The two look very different, but they are not.
解析空格後用乘法說明兩者其實相當，所以空格要先點出「看起來不同其實不然」。
16
Abut
Bbecause
Cso
Dalthough
✔ 正確答案：(B) because
解析銀行懂這一點，原因是小額月費更好賣，用 because。
17
AAs a result
BHowever
CAt first
DBy chance
✔ 正確答案：(A) As a result
解析寫下支出之後的結果是看清問題所在，用 As a result。
18
Abut
Bor
Cand
Dsince
✔ 正確答案：(A) but
解析not ... but ... 固定對比句型，用 but。
3
閱讀理解 Reading Comprehension
共 12 題／4 個題組
請閱讀下列短文，並回答相關問題。
NOTICE
Messages and a Class Money List
May: Here is where our class money went this term. Please check it.
CLASS 302 · This Term
Money in (50 x 30 students) 1,500
Paper and pens (including geography maps) 420
Flowers for Teachers' Day 300
Cola, cake and one class T-shirt 560
Left 220
Ken: The numbers are right. What will we do with the 220?
May: We can keep it for next term, or give it back: about seven dollars each.
Ken: Seven dollars is not worth the trouble. Keep it.
全文中譯
梅：這是我們班這學期的收支。請大家核對。
302 班 · 本學期
收入（50 × 30 人） 1,500
紙與筆（含地理地圖） 420
教師節鮮花 300
可樂、蛋糕與一件班服 560
結餘 220
肯：數字沒錯。那 220 元要怎麼處理？
梅：可以留到下學期，或退回去，每人大約七元。
肯：七元不值得這麼麻煩。留著吧。
Questions 19–21
19How much did each student pay?
AOne thousand five hundred
BTwo hundred twenty
CFifty dollars
DSeven dollars
✔ 正確答案：(C) Fifty dollars
中譯每位學生付了多少錢？
解析表上寫 50 x 30 students，每人五十元。七元是結餘退還的金額。
20What was the largest cost?
AFlowers
BCola and cake
CPaper and pens
DNothing was used
✔ 正確答案：(B) Cola and cake
中譯最大的支出是什麼？
解析可樂、蛋糕與班服 560 元最高，紙筆 420，鮮花 300。
21Why does Ken want to keep the money?
AHe wants another party
BThe class needs more money
CMay asked him to
DSeven dollars each is not worth the trouble
✔ 正確答案：(D) Seven dollars each is not worth the trouble
中譯肯為什麼想把錢留著？
解析Seven dollars is not worth the trouble. Keep it。
NOTICE
School Bank Day
Every Thursday · 12:30 to 13:00 · Room 105
Bring any coins or notes you want to save. This is a common job for Class 303, and the answer to every question is yes if you ask early. Two students from Class 303 will write down the amount and give you a paper with your name and your number on it. The money goes to a real bank at the end of each month.
Smallest amount: ten dollars
You may take your money out on any Thursday
Nobody may put in money for another student
There is no fee, and the school does not charge anything for this. We are not trying to teach you to save every dollar. We are trying to show you what happens to a small amount over a year, so that later, when a bank offers you something, you will know the questions to ask.
解析give you a paper with your name and your number on it。
23What is NOT allowed?
APutting in money for a friend
BTaking money out on Thursday
CPutting in ten dollars
DSaving coins and notes
✔ 正確答案：(A) Putting in money for a friend
中譯下列何者是不被允許的？
解析Nobody may put in money for another student。
24What is the main purpose of School Bank Day?
ATo make students save every dollar
BTo show students how small money saved grow
CTo help Class 303 earn a fee
DTo collect money for the school
✔ 正確答案：(B) To show students how small money saved grow
中譯校園銀行日最主要的目的是什麼？
解析We are trying to show you what happens to a small amount over a year，而且明說不是要學生存下每一塊錢。
EMAIL
A Question about a Fee
Dear Sir,
I opened a student bank book at your bank in March. The paper I signed said there would be no fee for a student bank book. Last week I saw that fifteen dollars had been taken out in April, May, and June.
I went to the central office and was told the free years end when a student turns twenty. I am nineteen. Nobody could explain the charge, and I was asked to write to you.
Could you look at this and tell me what the fee is for? If it was taken by mistake, I would like the 45 dollars back. It is not a large amount, but I would rather understand it than forget it.
解析Could you look at this and tell me what the fee is for，目的是問清楚這筆費用。
26How much was taken in total?
AFifteen dollars
BThirty dollars
CSixty dollars
DForty-five dollars
✔ 正確答案：(D) Forty-five dollars
中譯總共被扣了多少錢？
解析四月、五月、六月各十五元，共四十五元，信中也提到 the 45 dollars。
27Why does the writer say the charge should not apply to her?
AShe opened the bank book in March
BShe lives far from the office
CShe is still nineteen
DShe has little money in the bank
✔ 正確答案：(C) She is still nineteen
中譯作者為什麼說這筆費用不該適用於她？
解析the free years end when a student turns twenty. I am nineteen。
ARTICLE
The Price of Being Poor
It costs more to have less. This sounds strange, but ask anybody who has counted coins at the end of a month.
A person with money buys rice in a large bag at a lower price for each bowl. A person without money buys a small bag every few days and pays more each time. One can wait for a sale; the other must buy today. One pays a bill on time; the other pays a late charge.
None of this is about being careless with money. It is about time and choice, and having less of both. When we say somebody should simply save more, we are often asking them to do the one thing that is hardest where they stand.