2016高考英语二轮阅读理解训练七十集之连载（47）

　　2016高考模拟题。阅读理解阅读下列短文，从每题所给的四个选项（A、B、C和D）中，选出最佳选项。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.

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