----Do you mind if I play some music?() ----________. I'm writing my assignment. A Not at all B Of course not C Of course I would D Certainly mind
Do you always ______ an English-Chinese dictionary when you come across new words in your reading?A. considerB. cheatC. consultD. contact
It’s every working staff’s dream: saying goodbye to the daily grind while you still have your own teeth. In our early retirement fantasies, we’re traveling the world, healthy and in the prime of our lives, visiting those hard-to-pronounce countries we’ve always talked about and sampling the finest local fare. Surveys show that more than half of workers between the ages of 30 and 50 plan to retire before they’re 60. But there’s only one problem with this wishful thinking: Retiring early is easy, but making your money last is hard. One problem with saving up for early retirement is that we tend not to think beyond those first few glorious years of good health and full checking accounts-we don’t do the long-term math. If the average male life expectancy is 75.2 and we retire at 55, then our savings, and stock market investments need to last for 20 years. And what if we live even longer than average And don’t forget that life can get tricky during those last five or ten years. Very few fortunate souls drift away in their sleep at age 88 without ever having major surgeries, hospitalizations or chronic (and expensive) conditions to manage-not to mention the ever-increasing costs of medical insurance and prescription drugs. While we tend to overestimate our health, we underestimate our post-retirement financial needs. A 2002 survey found that only 17 percent of workers thought they’d need 80 percent of their salary after retirement. Forty percent thought they’d be fine with 60 percent of current earnings. That might suffice for a few good years, but the longer you live, the less chance your money will last. Furthermore. isn’t it possible that traveling the world and living out of a suitcase could get pretty tedious Did you ever think that you might be bored without a day job Do you have enough hobbies and interests to sustain you for 20 to 30 years without business trips, deadlines and daily meetings But don’t get discouraged. If you’re serious about retiring early and dedicated to making it work, you can make it happen. All it takes is some serious financial planning, a strict budget and some good old-fashioned luck.So how do you start planning for an early retirement What are the most important calculations What are some common mistakes The first step when planning for an early retirement is to figure out exactly how much money you have right now. This is called your net worth. Net worth is calculated by adding up all of your assets (cash, stocks, retirement accounts and the value of your home) and subtracting all of your outstanding debt (mortgage, student loans and credit card debt). When you know how much you have, you need to figure out how much money you’ll need when you retire. This amount depends on several factors: what you want to do when you retire, how early you want to retire and what standard of living you want to enjoy when retired. If you want to keep up your current standard of living as a retiree, the rule of thumb is that you’ll be spending monthly at least 80 percent of what you’re spending now. That other 20 percent you won’t be spending accounts for work-related expenses: gas or public transportation fares for your commute, dry cleaning bills, lunches and the like. But if you plan to travel, play more golf or fix up a classic car as a retiree, you’ll quickly make up that 20 percent you thought you were saving by not working. Perhaps the most important factor when calculating how much you’ll need is how early you want to retire. There’s a big difference in planning for a 20-year retirement and a 40-year retirement. Plus, the earlier you retire, the longer you’ll have to wait to get Social Security benefits. This isn’t a problem for people who retire after the minimum age for collecting Social Security (currently 62). But if you retire too early, you might not have enough to get by on until Social Security kicks in. Another serious consideration when planning for an early retirement is health insurance. When you’re employed, you pay part of your monthly insurance premium and your employer pays the rest. When you retire, you’re guaranteed coverage under the same insurance policy for the next 18 to 36 months through the Consolidated Omnibus Budget Reconstruction Act, also known as COBRA. COBRA is meant as a temporary protection for employees who lose or change jobs. But even with COBRA, you’ll be paying the full premium, including what your boss used to pay. You’re not eligible for Medical benefits until you’re 65. So, until you reach that age, you’ll need a supplementary insurance policy. When you apply for a new policy after COBRA runs out, you might be surprised at how expensive it is to insure a 60-year-old with pre-existing medical conditions. The cheapest policy for a 62-year-old nonsmoker is 300 a month, and it increases if you smoke, have a history of heart problems, high blood pressure, diabetes and other conditions. One way to get started on your early retirement budget is to use one of the many free online retirement calculators to figure out how much you’ll need in net worth to retire at a certain age. But the only way to know if your planned retirement spending will work is to try a dry run. Try to live for three months on the projected monthly amount that you hope to live on when retired. If it’s not working now, it certainly won’t work when you factor in increased healthcare and insurance costs.How can you start saving for an early retirement now What are the best long-term investments for building up a retirement nest egg Compound interest is a beautiful thing. The best thing you can do right now to ensure an early retirement is to invest as much of your earnings as possible in safe, long-term investments and tax-deferrable retirement savings accounts. A good place to start is with a tight budget. As we learned in How to Make a Million Dollars, one of the quickest ways to become rich is to live a frugal lifestyle. Instead of living beyond your means-buying things on credit that you can’t immediately pay back live below your means. Buy a used car instead of a new one (or better yet, take the bus). Choose the two-bedroom house instead of the five-bedroom one. So, how much money should we be saving from each paycheck MSN Money describes a 20/20/20 system. Starting at age 20, if you invest 20 percent of each paycheck, you could retire in 20 years and live on the interest from your investments. As we’ve already asked, can you live right now on 80 percent of your income, like you’ll be living on in retirement Try setting up an automatic withdrawal (取款) from your checking account. Whenever a paycheck is deposited at the bank, 20 percent will automatically be deducted before you even have a chance to see it, let alone spend it. Now you need to take that money and invest it in something with guaranteed long-term growth. MSN Money recommends a stock market index fund that tracks SP 500 companies. So as long as the stock market goes up over the next 20 years--which it historically has, at a rate of 12 percent annually-your money will grow. Also, if you can increase your earnings slightly every year through pay raises and promotions, you’ll see even more growth. Stock investments are smart if you plan on retiring before you’re in your 60s. When you start cashing in stocks at age 40, you’ll have to pay only long-term capital gains taxes, which are currently at 15 percent. But other common retirement investments have stiff penalties for withdrawing money early. The minimum age to start withdrawing is 59.5. And remember, don’t touch the interest on your stock investments. For the magic of compound interest to work, you need to reinvest every penny of interest.What will happen to a person’s health insurance after an early retirement A．He will lose all the protection against medical problem.B．He will be covered by the same policy for a certain time.C．He doesn’t have to pay for the health insurance any longer.D．He only has to pay part of his monthly insurance premium.
求样本甸神们翻译一段英语意思,还有主谓宾重点,还有 Mr/ Ms后面的下划线. Pat on the Back Here'svery inexpensive idea that should work for any tupe of organization. I simply drow around my hand on a piece of paper, print " Here's a pat on the back for you, Mr./ Ms______ for all the hard work and effort you'vemade here." then copy it inti colored paper. The teens at our church help me cut them out. ( Posted on 34 May,7000 by karol Haynes)
阅读下面短文，掌握其大意，然后从36～55各题所给的A、 B、C、D四个选项中，选出最佳选项。 Children model themselves largely on their parents. They do so mainly through identification. Children identify 36 a parent when they believe they have the qualities and feelings that are 37 of that parent. The things parents do and say---and the 38 they do and say to them--therefore strongly influence a child's 39 . However, parents must consistently behave like the type of 40 they want their child to become. A parent's actions 41 affect the self-image that a child forms 42 identification. Children who see mainly positive qualities in their 43 will likely learn to see themselves in a positive way. Children who observe chiefly 44 qualities in their parents will have difficulty 45 positive qualities in themselves. Children may 46 their self-image, however, as they become increasingly 47 by peers groups standards before they reach 13. Isolated(孤立的) events, 48 dramatic(突然的) ones, do not necessarily have a permanent 49 on a child's behavior. Children interact such events according to their established attitudes and previous training. Children who know they are loved can, 50 , accept the divorce of their parents' or a parent's early 51 . But if children feel unloved, they may interpret such events 52 a sign of rejection or punishment. In the same way, all children are not influenced 53 by toys and games, reading matter, and television programs. 54 in the case of a dramatic change in family relations, the 55 of an activity or experience depends on how the child interprets it.A. to B. with C. around D. forA. informed B. characteristic C. conceived D. indicativeA. gesture B. expression C. way D. extentA. behavior B. words C. mood D. reactionsA. person B. humans C. creatures D. adultA. in turn B. nevertheless C. also D. as a resultA. before B. besides C. with D. throughA. eyes B. parents C. peers D. behaviorsA. negative B. cheerful C. various D. complexA. see B. seeing C. to see D. to seeingA. modify B. copy C. give up D. continueA. mature B. influenced C. unique D. independentA. not B. besides C. even D. finallyA. idea B. wonder C. stamp D. effectA. luckily B. for example C. at most D. theoreticallyA. death B. rewards C. advice D. teachingA. as B. being C. of D. forA. even B. at all C. alike D. as a wholeA. Even B. Since C. Right D. AsA. result B. effect C. scale D. cause
1) 在当地政府的领导下,村民们奋起应付由水灾造成的严重粮食危机。Under the leadership of the local government, the villagers rose to the serious food crisis caused by the floods.2) 这个展览会很受欢迎,吸引着源源而至的参观者。The exhibition is very popular and is attracting a steady stream of visitors.3) 妈妈上楼来查看我们这些孩子时,我转过身假装睡着了。When Mom came upstairs to check on us kids, I turned over and pretended to be asleep.4) 对阿姆斯特德来说,向毒贩展开斗争是个挑战。虽然她感到紧张不安,但她决心勇敢地面对这些人。Waging a battle against the drug pushers was a challenge to Armstead. She felt rather nervous but she decided to confront them.5) 老太太叫我小心些,不要与那些在街角闲荡的家伙讲话。The old lady told me to be cautious and not to talk to the guys hanging out on the street corner.6) 一个卫生组织促使地方政府为建造一所新的医院筹措三百万美元的资金。A. health organization prompted the local government to raise a three-million-dollar fund for a new hospital. B. 7) 那个曾放火烧教堂的男子打开门时,迎面遇到十来个持枪的警察。 C. o had set fire to the church found himself confronted by a dozen policemen with guns. D. 8) 据报道,燃烧了两个多小时的熊熊烈火始于一个废弃的仓库。 E. It is reported that the fire which raged for more than two hours started in an abandoned warehouse / store. F. 91) 巨额投资(investment)使这一地区的经济得以迅速发展。 G. Vast amounts of investment have enabled the economy of the area to grow rapidly. 2) 他们为新建一所医院开展了一场筹款运动。 They launched a campaign to raise money for a new hospital. 3) 成功在于勤奋(diligence),诺兰医生就是一个很好的例证。 s lies in diligence. Dr. Nolen is a case in point.
44 What does “tenant” mean ?A. 购买者B. 买方C. 房客D. 卖方
阅读篇有关徐霞客的短文，用所给单词的适当形式填空。eventually major experience throughout recordXu Xiake was a native of Jiangyin, Jiangsu Province. In his youth he showed great interest in travel and began his 1)____ trips. Over 30 years, he traveled 2)____ the country and wrote about every place he visited. Although Xu 3)____ hardships on the way, he never quit.As Si Ku Quan Shu states, Xu 4)____ what he saw and heard with his own eyes and ears, with accurate descriptions and research based on his first-hand experiences. After Xu's death, his diary was edited and 5)____ became The Travel Notes of Xu Xiake.
is a condition that is being monitored by the control system.A. Proportional controlB. ErrorC. Linear controlD. Process variable
Psychologists (心理学家) believe that our dreams can often give us interesting information about ourselves, if we take the time to look at them seriously. On the simplest level, dreams can make us remember things we have missed during the day because we were too busy to notice them. For example, if you dream of your teeth falling out, you may have unconsciously picked up signs of dental (牙科的) trouble. Or if you dream of missing an important meeting, your dream may be trying to remind you of something coming up that you have forgotten to write down.On a deeper level, dreams can show us how we really feel about our relationships. For example, a happily married young woman dreamed that she angrily hit her husband over the head. The dream was urging the woman to deal with her bitter feelings toward her husband who insisted that she stay home instead of taking an interesting job.1 Dreams often help us ______.A.notice what we really think about deep in mindB.realize whether or not we are really in good relationship with othersC.know how to deal with those unhappy things in lifeD.understand how to keep good relationship with our relatives2 According to the passage, psychologists think that dreams ______.E.are often the hints of something bad which will happen in lifeF.are so important that they should not be neglected in our lifeG.have something to do with what really happens in our lifeH.often remind us of what we have done during the day3 The dream of missing an important meeting may suggest that ______.I.you failed to remember something which you had planed to doJ.you are too busy to remember to have a meetingK.you often dream of very ordinary eventsL.you are very busy with important meetings during the day4 The woman dreamed of hitting her husband because ______.M.she was not satisfied with her marriageN.her husband forced her to take a jobO.she had some disagreement with her husbandP.her husband treated her badly5 The example of teeth falling out shows us how ______.Q.dreams help us pay attention to something unnoticed in lifeR.people remember clearly what they have forgotten in lifeS.people pick up signs of teeth falling outT.people realize that they have dental problems
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The increase in international business and in foreign investment has created a need for executives with knowledge of foreign languages and skills in cross-cultural communication. Americans, however, have not been well trained in either area and, consequently, have not enjoyed the same level of success in negotiation in an international arena as have their foreign counterparts. Negotiating is the process of communicating back and forth for the purpose of reaching an agreement. It involves persuasion and compromise, but in order to participate in either one, the negotiators must understand the ways in which people are persuaded and how compromise is reached within the culture of the negotiation. In many international business negotiations abroad, Americans are perceived as wealthy and impersonal. It often appears to the foreign negotiator that the American represents a large multi-million-dollar corporation that can afford to pay the price without bargaining further. The American negotiator’s role becomes that of an impersonal supplier of information and cash. In studies of American negotiators abroad, several traits have been identified that may serve to confirm this stereotypical perception, while undermining the negotiator’s position. Two traits in particular that cause cross-cultural misunderstanding are directness and impatience on the part of the American negotiator. Furthermore, American negotiators often insist on realizing short-term goals. Foreign negotiators, on the other hand, may value the relationship established between negotiators and may be willing to invest time in it for long-term benefits. In order to solidify the relationship, they may opt for indirect interactions without regard for the time involved in getting to know the other negotiator. Clearly, perceptions and differences in values affect the outcomes of negotiations and the success of negotiators. For Americans to play a more effective role in international business negotiations, they must put forth more effort to improve cross-cultural understanding. [共5题](1)What kind of manager is needed in present international business and foreign investment? [本题2分]A. The man who represents a large multi-million-dollar corporation. B. The man with knowledge of foreign languages and skills in cross-cultural communication. C. The man who is wealthy and impersonal. D. The man who can negotiate with his foreign counterparts.
The Harry Potter series, written by J.K. Rowling, is perhaps the most popular set of novels of the modern era. With seven books and many successful films to its name, the series has gathered about 15 billion dollars in sales. How did the series become so popular? The reason can be broken down into several areas.The first book in the series was rejected 12 times before it was picked up by Bloomsbury—a small publisher in England. So receiving this contract was Rowling's first step to success. However, getting a book contract does not ensure the success of a book. The story was soon loved by children and adults alike. In light of this, Bloomsbury Publishing published a second version of the books with “adult” (less colorful and more boring) book covers. This made it easier for a full range of ages to enjoy the series.Another factor that worked like a charm was that the publisher and Rowling herself, through the books, conducted midnight releases, promotions, and pre-ordering more readers. Customers who feared that their local bookstore would run out of copies responded by pre-ordering over 700,000 copies before the July 8, 2000 release.What does the underlined word “releases” (Para. 3) mean?A. The activity that frees or expresses energy or emotion.B. The announcement about the book’s publishing information.C. The sales of books that is available only at midnight.
The coming of the railways in the 1830s ________ our society and economic life.A. transferredB. transformedC. transportedD. transmitted
Americans experience more food recalls (召回) today than they did five years ago, especially when it comes to meat and poultry (家禽). Meat and poultry recalls increased by two-thirds from 2013 to 2018, while food recalls overall went up 10%, according to the report recently published by the U.S. Public Interest Research Group.Meanwhile, the U.S. Centers for Disease Control and Prevention estimates (估计) 48 million people get sick, 128,000 are hospitalized and 3,000 die from food-borne disease each year in the U.S. "We are looking for the farm-to-fork preventative solutions," said Adam Garber, the research group's consumer watchdog. "By doing that, we can protect people's health."Over the five-year period, poultry posted the most recalls (168), followed by beef (137) and pork (128). The report shows the most serious meat recalls are on the rise. Among meat and poultry, the number of Class I recalls has increased by 83%, nearly doubling. Class I, the most serious of the recalls, is issued when there is a reasonable probability that the food will cause health problems or death.53. When would Class I recalls be issued?A. When the food is likely to cause health problems or death.B. When there are too many complaints from customers.C. When the food problem lasts for five years.D. When the product quality is below standard.
Whenever I have trouble ( ) many problems, I ask Jack for help.A. dealing withB. to deal withC. on dealing withD. deal with
We were always encouraged to focus on constructing the most out of the situation ______. A. at hand B. on hand C. in hand D. by hand
Most children with healthy appetites are ready to eat almost anything that is offered them and a child rarely dislikes food (51) it is badly cooked. The way a meal is cooked and served is most important and an (52) served meal will often improve a child’s appetite. Never ask a child whether he likes or dislikes a food and never (53) likes and dislikes in front of him or allow anybody else to do so. If the father says he hates fat meat or the mother refuses vegetables in the child’s hearing he is (54) to copy this procedure. Take it (55) granted that he likes everything and he probably will. Nothing healthful should be omitted from the meal because of a (56) dislike. At meal times it is a good idea to give a child a small portion and let him (57) back for a second helping rather than give him as much as he is likely to eat all at once. Do not talk too much to the child (58) meal times, but let him get on with his food, and do not allow him to leave the table immediately after a meal or he will soon learn to swallow his food (59) he can hurry back to his toys. Under (60) circumstances must a child be coaxed or forced to eat.55（）。A. withB. asC. overD. for
Dreams can be a rich source of ___________ for an artist. (inspire)
23．有一串钥匙在沙发上。Aset of keys _______on the sofa./ There is _________on the sofa.24．问李老师要你的书吧。________Ms. Li ________yourbook!25．请给老赵打电话。_________Old Zhao ______13096935553..26．这条蓝色的裤子是他的吗？Isthis pair of trousers _________?27．我的父母在第一张照片里。_______________are in the first photo.28．谢谢你帮助我。Thankyou for ________________./ Thank you for _____________.29．那个女孩姓王。Thegirl’s __________is Wang./ The girl’s ______________is Wang.30．那只小狗叫什么名字？What’s__________the dog? / What’s ____________name?31．今天玩得开心点！___________today! / Have a good time today!32．这有两张漂亮的她家的全家福。Here_______two nice photos of her family.
Responsibilities ______becoming a father.A. charge forB. go withC. save forD. go through
Fill in the blanks with the words given below.Change the form where necessary.Each word can be used only once. budget defy dilemma diverseloyalty manipulate objectivePerspective tackle urge （1）The ____ of the "upright"message is to ask people to save，while the "permissive"message asks people to spend.（2）If you find yourself in a（n） ____ about what is the right decision for your career，speak to a career counselor.（3）It is important for parents to listen to their children's opinion because they may have a very different ____ on the things they've seen.（4）To cater for the different tastes of athletes from all over the world，the organizers of the Beijing Winter Olympics prepared ____ dishes.（5）If you want to save money for a rainy day making a（n） ____ is the first step you may want to take because it gives you a clear plan.（6）The Chinese legend goes that Yue Fei's mother tattooed four Chinese characters on his back to remind him of the importance of ____ to the nation.（7）When children are addicted to online games，they would often ____ their parents and stay online for hours every day.（8）The report goes on to ____ the technicians to take a more active role in developing the standards of artificial intelligence.
6. The children will now play some pieces of music that they ______ themselves. A.were taught posed C.accomplished D.worked7. While she waited,she tried to ______ her mind with pleasant thoughts of the vacation. A.occupy pose C.think D.intensify8. In the film,the peaceful life of a monk ______ the violent life of a murderer. A.is compared with B.is compared to C.is contrasted to D.is contrasted with9. ______ to pay for an order is simplicity itself. A.Use plastic B.Using plastics C.Using plastic D.Used plastic10. Additional time is required for cooking or ______ homemade dishes. A.chill B.to chill C.chilled D.chilling
1.A:Here is my business card.-|||-B: __-|||-A.Yes,the heat is killing me. B.Wonderful.Is it between-|||-school teams?-|||-C.Thank you for the nice party D.Thanks.This is mine.-|||-2.Alice:Is there any typical Chinese festival you celebrate every year?-|||-Bob: __-|||-A.Yes,the heat is killing me. B. I bet it will.-|||-C.It`s so stuffy and no wind at all. D.Yes,there are many.The-|||-Dragon Boat Festival is one of them.
These drugs are available over-the-counter without a(n)__________. （）A. infectionB. dosageC. prescription
Never before in my career _ _ of an assignment A have l frightened B had I frightened C had I been frightened D have I been frightened
In some families,new adults and kids seem to slip in effortlessly, ____ they have been there all along.A. whileB. thoughC. becauseD. as though
If you_________in a job for several years, you may be able to accumulate a lot of work experience and skills that would be beneficial to your future career development.A. have workedB. had workedC. have been workingD. had been working
26)Could she picture him ___ politics with her father in the drawing-room at her home ?A. discussingB. to discussC. as to discussD. that discusses
Elder and weaker Mr. Mag paid_visits to his old friends.A. scarceB. rare()C. insufficientD. inadequate