Ask savvy investors(投资者) how they learned their first lessons about mo

1.共用题干第二篇

Saving Money

Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells you 选项： A:the amount of money you have in the bank. B:the current rates of interest. C:the current rates of exchange. D:the best way to save your money.

2.共用题干第三篇

Saving Money

Where you save your money often depends on what you are saving for. If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?
One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in?If you put your money in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you how much money there is in your account. It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow. You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.
You can't touch your money during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account. Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So, you may want to compare rates in newspaper ads before buying a CD.Interest is the amount of money which_______. 选项： A:a bank lends to people B:a bank loans to businesses C:a bank pays you D:a bank uses

3.[单选题]共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD(光盘)or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank(猪形储蓄罐), one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells you A the amount of money you have in the bank. B the current rates of interest. C the current rates of exchange. D the best way to save your money.

4.[单选题]共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD(光盘)or to go to a concert,then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank(猪形储蓄罐),one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'II have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee. The word"touch"in paragraph 7 could be best replaced by A deposit. B lend. C use. D cash.

5.Where you save your money often depends on what you are saving for. If youare saving to buy a book or to go to a concert, then you would probably keepyour money somewhere in your room. If you are saving for a big purchase like awashing machine or a car, where would you save your money?One place to save money is the bank. If you put your money in a piggy bank (猪形蓄罐),one year later you'll still have the same amount of money as you putin. If you put your money in a savings account, one year later you'll have moremoney than you put in. Why?When you keep your money in a bank, your money earns interest. Interestis an amount of money a bank pays you to use your money. The bank usesyour money (and the money of other people, too) to lend to its customers andbusinesses. It will send you a statement several times a year. A bank statement tellsyou how much money you have in your account and how much interest you haveearned. If you leave your money in the bank, you can watch it grow!Another way you can save money is to get a certificate of deposit (CD). If youhave some money that you don't need to use for a long time, this is a good wayto make your money grow. You can get a CD at a bank. You agree not to use themoney for a certain period of time. That period might be from six months to fiveyears. You can't touch your money during that time. If you do, you must pay a penalty (罚款),or fee.

6.资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.Some scary facts about retirement:More than 50% of persons do not have enough finances for retirement.25% do not participate in their company's retirement plan.The average person spends 20 years in retirement.Here are some tips to help you plan correctly:1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.2. Save, save, and keep on saving. Make it a habit to save as much as you can.3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.7. Get your employer to start one, and it can help you tremendously.8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.What will happen if you withdraw your retirement savings before you retire? 选项： A:You may have to pay penalties. B:You will fail to realize your goals. C:Your retirement savings will become off-limits. D:You should save money for your retirement all over again.

7.what is the purpose of the video 选项： A、To teach you how to know your spouse. B、To teach you how to be your self. C、To teach you how you should change yourself. D、teach you about yourself and people you care about and how you can continue to know them from philosophical view.

8.Section DComplete the passage, using appropriate words. If you are serious about saving money, there are some things you should do. First of all, open a bank ________1_________ (interest / credit / account) just for saving and put some money in it every month. Around five or ten _______2________(percent / points / places) of your salary is a good start. Secondly, you should make a monthly budget. Keep track of all your ________3________(estimate / expenses / emergency) and find areas of your life that you can save money in. Finally, try to cut ________4________ (unnecessary / financial /used) spending from your life. Driving a big car? Change to a smaller one. Not watching much TV? Cancel your cable subscription. Eating out too often? Startcooking at home more. Spending too much on rent? Find _______5_______ (easier / more / convenient / cheaper) housing. These are just some of the many ways you can save money.

9.If you have a good neighbor, you are a lucky person. You have someone who cares about your needs and your property (房产), who is helpful in the little day-to-day situations that come up, and who is supportive in difficult times. A good neighbor is someone who, for instance, understands that your children may sometimes run across his lawn (草坪), even though you tell them not to. He'll realize that children can be careless about things like that, and he won't make a big fuss (大惊小怪) about it unless it becomes a regular thing. In the same vein, he knows that you'll understand if some of the trash from his trash cans blows across into your yard. A good neighbor is also respectful of your property. For example, he asks your permission before doing anything that gets in your way. This means he wouldn't plant a huge tree between your houses without asking how you feel about it. If he wants to put up a fence, he would let you know first. He might work with you to decide where it should be placed. A good neighbor would lend you some milk if you ran out. He'd give you a ride to work if your car was broken, and let your children stay at his house in the evening if you got stuck working overtime. You would do the same for him. Both of you would help make the other's life easier. When something really awful happens to you, like a death in the family, a good neighbor will offer to help in any way he can. This could mean something small, like making some food to put in your fridge to feed visiting relatives. Or it could mean something big, like helping you get through the sadness of the funeral.I think only someone who has experienced a bad neighbor can really appreciate a good one! A good neighbor can be a good friend. He can make a total difference to your life. （1）Why does the author think it lucky for one to have a good neighbor? 选项： A:Because a good neighbor can take good care of you. B:Because a good neighbor can hardly be found these days. C:Because a good neighbor can help clean your home. D:Because a good neighbor can support you in various situations.

10.If you have a good neighbor, you are a lucky person. You have someone who cares about your needs and your property , who is helpful in the little day-to-day situations that come up, and who is supportive in difficult times. A good neighbor is someone who, for instance, understands that your children may sometimes run across his lawn , even though you tell them not to. He'll realize that children can be careless about things like that, and he won't make a big fuss about it unless it becomes a regular thing. In the same vein, he knows that you'll understand if some of the trash from his trash cans blows across into your yard. A good neighbor is also respectful of your property. For example, he asks your permission before doing anything that gets in your way. This means he wouldn't plant a huge tree between your houses without asking how you feel about it. If he wants to put up a fence, he would let you know first. He might work with you to decide where it should be placed. A good neighbor would lend you some milk if you ran out. He'd give you a ride to work if your car was broken, and let your children stay at his house in the evening if you got stuck working overtime. You would do the same for him. Both of you would help make the other's life easier. When something really awful happens to you, like a death in the family, a good neighbor will offer to help in any way he can. This could mean something small, like making some food to put in your fridge to feed visiting relatives. Or it could mean something big, like helping you get through the sadness of the funeral. I think only someone who has experienced a bad neighbor can really appreciate a good one! A good neighbor can be a good friend. He can make a total difference to your life. Why does the author think it lucky for one to have a good neighbor?( ) 选项： A: Because a good neighbor can take good care of you. B: Because a good neighbor can hardly be found these days. C: Because a good neighbor can help clean your home. D: Because a good neighbor can support you in various situations.

11.If you ever need help saving money on car insurance, contact your local GEICO office. You'll get the great rates from GEICO. And they'll help make sure you receive all the discounts and special benefits you deserve. Your local GEICO office can help you find coverage (保险范围) for almost anything you own. We offer coverage for your motorcycle, ATV, boat or RV. GEICO has been saving people money for more than 75 years and is the second-largest personal auto insurance in the country, insuring over 21 million drivers. You can go to www.geico.com to report a claim, schedule an appointment, even view your estimate (估算) and photos of the damage. And when you take your car to a GEICO-approved shop, the claim repairs are guaranteed for as long as you own your vehicle.Why are you advised to contact your local GEICO office?It will help you save money on__1__. How can GEICO help you save money? It helps you receive__2__and special benefits you deserve. How long has GEICO been in operation? For more than__3__. How many drivers have been insured by GEICO?More than__4__. How can you report your claim? By visiting__5__. (5.0)

12.A generation gap (代沟)has become a serious problem. I read a report about it in the newspaper. Some children have killed themselves after quarrels with __21__. I think this is because they don't often have a talk with each other. Parents now spend more time in the office, __22__ they don't have much time to stay with their children. As time passes, they both feel that they don't have the same topics to talk about. I want to tell parents to be more with your children, get to know them and __23__ them. And for children, show your feelings to your parents. They are the people who love you. So __24__ them your thoughts. In this way, you __25__ have a better understanding of each other. 选项： A:parents B:understand C:so如此 D:can能够 E:tell

13.Rose and Mary are from two different cultures. They are talking about one aspect of their family and seem to have different points of view.Rose: I think it’s terrible that in your country children leave parents when they are so young. Something that shocks me even more is that many parents want their children to leave home. I can’t understand why children and parents don’t like each other in your country？Mary: In your country parents don’t allow their children to become independent. Parents keep their children protected until the children get married. How are young people in your country supposed to learn about life that way? Whose opinion do you think is right? 选项： A:Rose is right, because it is the parents’ responsibility to protect their children.; B:Mary is right, because the children should be independent when they are grown-up.; C:The two opinions are examples of ethnocentrism, for people unconsciously tend to make judgments based on their own value systems. ; D:It’s hard to decide who is right because both of them make sense in part.

14.The first thing you should do is to plan for retirement. Contributing early and regularly means that you can get by with contributing a lower overall percentage of your income and you do not need to worry about catching up later.
It makes sense to plan as though you are going to be responsible for your retirement on your own.__1__It may help you to be able to retire early.
A financial plan can include everything from your career plan to your retirement plan. If that feels like too much start out with a five-year plan. Where do you want to be in five years? What do you need to do financially to get there?
__2__Be sure to include long-term goals like retirement as part of your plan. This may include going back to school to get your education to help with your next career goal.
Now is a great time to focus on the career ladder.__3__Make clear goals and determine what you need to do to reach them. It may mean switching companies, moving to another city or going back to school. It may mean that you do side work or create a professional network and find a mentor to help you reach that goal.__4__It is okay to switch directions at some point and choose to go a new direction if you find a better fit for you.
Dreams can change, but the key is to keep moving forward toward that dream.
Budgeting is one of the biggest tools to managing your money properly. When you are single, it is easy to justify not creating a budget. Your expenses are straightforward and if you pay your bills what does it matter when and how you spend your money? However, your budget can help you find areas you can cut back on speeding to put more money toward savings or debt.__5__This does not mean you should not have fun, but determine how much you can afford to spend while working on your financial plan and stick to that amount. 选项： A:It takes time and hard work to move up. B:Make your income a tool, and budget effectively. C:This will give a yield of 10% on your investment. D:Shoppers should look through circulars for special deals. E:Then break it down into yearly and monthly goals and steps. F:This allows you to save enough and will leave you prepared. G:Break down the steps for the career path you want to take and start taking them.

15.Stopping Yelling At Your Kids Parenting is hard. If you're a parent, I'm sure that I don't need to tell you that our job is a tough one. When you're managing children, it can be difficult to remember that they are still learning. If you find you are yelling at your kids more often than you want to,here are some ways that can help you reduce the yelling. I've been working on this for the past few months and I have to say, it's been amazing for both the kids and me. If you are having an argument with your child, you need to make sure you both take the time to really listen. It gives both of you time to think and really listen to each other, which is important. Kids are more likely to listen to you if you listen to them! One of your biggest struggles is to remind yourself of appropriate expectations. You can't expect that your youngest acts as responsibly as your oldest. You should lower what you expect-taking into consideration things like their age-it can make a big difference. You should do your best to take a moment before yelling and take in a deep breath. It makes a world of difference for you. Instead of yelling, you'd better whisper. It can also help diffuse any situation by making things quieter, not louder. Besides, the more time you spend with your kids, the better you'll get at communicating with them. You're both more likely to understand each other. If your children aren't listening or it seems they only don't listen to you, you don't take it personally. You should remind yourself that your kids are still learning and they're not going to be perfect.24. Which is most likely TRUE about kids of different ages? 选项： A:Every kid is a perfect child. B: Elder kids may act better. C:Younger kids learn quicker.

16.问题1 Many parents make their children do chores around the house. For some families, teaching children what to do and how to do chores is easy. But in other families, getting children to do some housework can be a very big problem. It is a good idea for parents to teach their children at an early age that all family members must work together to make the house clean, and each person must do his or her share(份) of the work. We can do this by starting a plan of chores and responsibilities when children are young. Chores are good for children-even very young ones. Doing chores teaches children many important skills such as working together and being responsible. Jobs also teach children what is fair and doing things for others. The skills and values from doing chores will do good to children all their lives. 1. The first paragraph tells us .A. all the parents make their children do choresB. it's easy to teach children to do choresC. some children think doing chores is difficultD. it is different on teaching children to do chores among different families选项： A:all the parents make their children do chores; B:it's easy to teach children to do chores; C:some children think doing chores is difficult; D:it is different on teaching children to do chores among different families

17. Many parents make their children do chores around the house. For some families, teaching children what to do and how to do chores is easy. But in other families, getting children to do some housework can be a very big problem. It is a good idea for parents to teach their children at an early age that all family members must work together to make the house clean, and each person must do his or her share(份) of the work. We can do this by starting a plan of chores and responsibilities when children are young. Chores are good for children-even very young ones. Doing chores teaches children many important skills such as working together and being responsible. Jobs also teach children what is fair and doing things for others. The skills and values from doing chores will do good to children all their lives. 1. The first paragraph tells us .A. all the parents make their children do choresB. it's easy to teach children to do choresC. some children think doing chores is difficultD. it is different on teaching children to do chores among different families选项： A:all the parents make their children do chores; B:it's easy to teach children to do chores; C:some children think doing chores is difficult; D:it is different on teaching children to do chores among different families

18.LIU HUI:（） What kind of food do you usually have with your family? 选项： A:Thank you for sharing this with me. B:That's very interesting. C:How is everything? D:How about your children? E:How is your family?

19.(⑵ ) Did they all join you living here? 选项： A:Thank you for sharing this with me. B:That's very interesting. C:How is everything? D:How about your children? E:How is your family?

20.A generation gap (代沟)has become a serious problem. I read a report about it in the newspaper. Some children have killed themselves after quarrels with __21__. I think this is because they don't often have a talk with each other. Parents now spend more time in the office, __22__ they don't have much time to stay with their children. As time passes, they both feel that they don't have the same topics to talk about. I want to tell parents to be more with your children, get to know them and __23__ them. And for children, show your feelings to your parents. They are the people who love you. So __24__ them your thoughts. In this way, you __25__ have a better understanding of each other.

parents

understand

so

can

tell

21.( ⑴ ) Are you settling in well here in this city? 选项： A:Thank you for sharing this with me. B:That's very interesting. C:How is everything? D:How about your children? E:How is your family?

22.资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.Some scary facts about retirement:More than 50% of persons do not have enough finances for retirement.25% do not participate in their company's retirement plan.The average person spends 20 years in retirement.Here are some tips to help you plan correctly:1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.2. Save, save, and keep on saving. Make it a habit to save as much as you can.3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.7. Get your employer to start one, and it can help you tremendously.8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.Which of the following is NOT true about retirement? 选项： A:More than half of people don’t have enough finances for retirement. B:quarter of people don’t take part in their company’s retirement plan. C:No one can be financially secure in retirement. D:The average person will spend 20 years in retirement.