2. 信用卡的弊端

　　3. 你自己的觀點

　　Credit Cards

　　Personal credit cards are becoming more common in China. Banks and other financial institutions are encouraging their customers to change the way they buy things. Credit cards, otherwise known as “plastic money”, are being offered on very good terms to encourage the change. Consumers will be able to “buy now, pay later”, and many see this as an advantage.

　　But people need to be careful. There are dangers associated with credit cards. Some people find it very easy to exceed their budget. They are tempted to purchase goods that they do not really need, and can become quickly overburdened by debt. The credit cards often charge a high rate of interest, which exacerbates the problems for these people.

　　However, used wisely credit cards can improve the quality of people’s lives. They can give people access to money to meet sudden unplanned expenses. Properly handled, they can let people control their expenditure and the monthly statements provide a record of where their money has gone.

　　英語四級作文積累訓練：關于養寵物

　　Directions: For this part, you are allowed 30 minutes to write a composition on the topic Pet Raising . You should write at least 120 words following the outline given below in Chinese:

　　1. 有些人喜歡養動物作為寵物。

　　2. 有些人反對圈養動物作為寵物。

　　3. 你的觀點。

　　Pet Raising

　　Nowadays, with the improvement of the people’s living standard, some people form a habit of raising small or domestic animals as pets. Some raise small dogs or cats as their pets while others raise various birds or fishes as their pets.

　　However, some people object to the idea of raising animals as pets. To them, animals have their own right to live a natural life like human beings. On the other hand, the way people raise animals as pets have a negative influence on the surroundings ,for example, dogs’ chasing people on the street and so on. What’s more, some animals will transmit some diseases.

　　In my opinion, I do not like the idea to raise animals at pets. We should not deprive them of their natural right. In this way, we will live in a peaceful world in harmony with the other living creatures.