英语四级作文范文（两篇）
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.
英语四级作文120字到150字之间
The Advantages and Disadvantages of Living in the 21st
century(生活在21世纪的优缺点)
Living in the 21st century offers certain advantages,such as a higher
standard of living, but it also has some disadvantages, such as a polluted
environment.
To begin with, most people now have more money for less hard work. They
earn higher salaries than before and enjoy better social security, such as
social welfare for laid-off workers and disability insurance.
Secondly, because of the advance in medical technology which leads to
better medical care and treatment, people’s life expectancy is longer. Moreover,
most people now can afford to buy foods of high nutrition and enjoy their
leisure time.
Thirdly, modern conveniences such as radio, TV, internet, various vehicles
and labour-saving machines in the home, all greatly facilitate human
communication, transportation and housework as well.
Nevertheless, living in the 21st century also has its disadvantages. The
most serious one is the increasingly polluted environment; air is filled with
smog and water is contaminated by iehemicals from factories.Another main
disadvantage is the personalization of human relattonships which mostly result
from people’s ever-increasing contact with machines and numbers. Still one more
disadvantage is the weakening of spiritual values. An undeniable fact is that a
large number of people are solely interested in materialistic culture,while
neglecting spiritual civilization. Limited by space, we have to skip the
examples.
In conclusion, although the 21st century has indeed given us a lot of
advantages, it may not have made us wiser, because it has also made our earth
dirtier, our people less humane, and our spirituali iife poorer, We shpuld
continue to enjoy the benefits of technological advancement,however, we must
make a concerted effort to preserve our natural environment for future
generations. Moreover, we should take the time now to make our lives more
meaningful in anihcreasingly impersonal, computerized world.