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 instrumentor 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. Dividends are payments of part of a company’s earnings topeople 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 isearned.

　　Every type of savings or investment has some riskthat 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 sav-ings 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.

　　参考答案及解析：

　　1.把saving改为savings

　　saving表示“节约的”，和其复数形式savings意义不同。savings的意思是“存款，储蓄”。

　　2.在small前面加上a

　　a small amount of 表示“少量的”，冠词不可缺。

　　3.把what改为which或者that

　　amount在此是先行词，后面是一个定语从句，这个从句显然应该由关系代词that或者which引导。

　　4.在hold前面加who

　　先行词people后面是一个定语从句，因此需要有引导词。

　　5.在which前面加上at

　　关系代词which在此引导的同样是一个定语从句，并且在此应该用“介词＋关系代词”这个形式，因为前面的rate往往用于短语at a rate，此处的介词可以提前。

　　6.把facial改为face

　　票面价值应是：face value。

　　7.把Therefore改为However。

　　此处根据上下文来看，表达的是转折的含义，而不是因果关系。

　　8.把hard改为harder

　　这里存在一个隐含的比较，所以应该用hard的比较级形式。

　　9.删除more，或者把more改为much

　　riskier本身已经是比较形式了，再加上more是多余的。把more改为much，表示一种程度也可以。

　　10.把we改为you

　　补充：

　　第二题将amount改为amounts也是正确的

　　第四题把hold改为holding也是正确的

　　a small amount of 和small amounts of 用法的区别：

　　a large（great，good）amount of ＋不可数名词，谓语动词一般用单数；但（large，great，good）amounts of ＋ 不可数名词，作主语时，谓语动词要用复数。

　　A large amount of damage ＜has been＞done by the earth quake．

　　Large amounts of money ＜were＞spent on the bridge．

　　这就是为什么第二题也可以把amount改为amounts而第八题不用改amount的原因啦。