You will think about what kind of saving instru- __1__ ment to use or what kind of investment to make.

　　By putting your money in some kind of savings instrument or investment, you can set aside small amount of mon- __2__ ey regularly and the money will earn interest or dividends.

　　Interest refers to the amount what your money__3__ earns when it is kept in a savings instrument.

　　Divi- dends are payments of part of a company’s earnings to people hold stock in the company. A savings instru- __4__ ment has an “interest rate ” associated with it; this refers to the rate which the money in the instrument in- __5__ creases during a certain period of time.

　　Principal refers to the facial value or the amount of money you __6__ place in the savings instrument on which the interest is earned.

　　Every type of savings or investment has some risk that the return will be less than needed or expected.

　　Federally insured savings accounts are safe and guaranteed up to $100,000 by the U.S. Government.

　　Therefore, they may have lower interest rates, making __7__ it hard to save large amounts of money for college. __8__

　　Bonds and stocks often have higher returns than savings accounts or EE saving bonds but are more riskier. __9__

　　You can reduce the risks of these kinds of investments by starting to save early. The earlier we begin the less __10__ money you will have to put aside each month and the more total savings you will accumulate.

　　參考答案及解析：

　　1.把saving改為savings

　　saving表示“節約的”，和其復數形式savings意義不同。savings的意思是“存款，儲蓄”。

　　2.在small前面加上a

　　a small amount of 表示“少量的”，冠詞不可缺。

　　3.把what改為which或者that

　　amount在此是先行詞，后面是一個定語從句，這個從句顯然應該由關系代詞that或者which引導。

　　4.在hold前面加who

　　先行詞people后面是一個定語從句，因此需要有引導詞。

　　5.在which前面加上at

　　關系代詞which在此引導的同樣是一個定語從句，并且在此應該用“介詞+關系代詞”這個形式，因為前面的rate往往用于短語at a rate，此處的介詞可以提前。

　　6.把facial改為face

　　票面價值應是：face value。

　　7.把Therefore改為However。

　　此處根據上下文來看，表達的是轉折的含義，而不是因果關系。

　　8.把hard改為harder

　　這里存在一個隱含的比較，所以應該用hard的比較級形式。

　　9.刪除more，或者把more改為much

　　riskier本身已經是比較形式了，再加上more是多余的。把more改為much，表示一種程度也可以。

　　10.把we改為you

　　補充：

　　第二題將amount改為amounts也是正確的

　　第四題把hold改為holding也是正確的

　　a small amount of 和small amounts of 用法的區別：

　　a large(great，good)amount of +不可數名詞，謂語動詞一般用單數;但(large，great，good)amounts of + 不可數名詞，作主語時，謂語動詞要用復數。

　　A large amount of damage done by the earth quake.

　　Large amounts of money spent on the bridge.

　　這就是為什么第二題也可以把amount改為amounts而第八題不用改amount的原因啦。