17[单选题]-|||-After I enrolled at Harvard, I was eager to start the next phase of my life,but anxious at the()of being across the ()-|||-country so far from home.-|||-bigcirc A、thought-|||-bigcirc B、sound-|||-C、sight

It’s never too early to protect your family’s financial well-being. Yet because most of us are so busy juggling work and family commitments, we tend to neglect the things that don’t require immediate attention. Some day, we think, we’ll take care of the three essentials-retirement savings, insurance coverage and estate planning. Unfortunately, emergencies can strike and then it’s too late. "Failure to plan is a huge mistake," Barbara Raasch, managing director at Wealth and Tax Advisory Services, Inc. , told us. How can you avoid the "should have, could have, would have" scenario By putting these three items at the top of your "to do" list-protect your future, protect your family and protect your legacy (遗产). The national savings rate averaged around 0.4% for the first half of this year, according to the U. S. Department of Commerce, meaning Americans spent a shopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dropped below zero. We all know we should save more. But with so many goals to save for-a house, the kids’ college tuition, your retirement, occasional vacations and a small emergency fund-it’s easy to feel there’s just not enough money to do it all. Budget. The first step is to create a budget. Once you know what you’re spending your money on, you can figure out What you don’t need to spend it on-and stock those savings away. "Every month you have to pay yourself first," says Joe Moglia, CEO of Ameritrade. "Take a little out of your paycheck." It doesn’t have to be much-it could be foregoing(放弃) that extra lattice or getting the DVD free at the library. Retirement. Just about every survey of American investors these days shows that retirement is a main reason for saving. Yet an astounding number of people ignore the opportunities offered by employment-based retirement plans. According to a recent survey by Aon Consulting, more than 20% of those eligible for a 401k plan do not participate at all, while another 53% do not save at a rate high enough to take full advantage of their employers’ matching contribution-the closest thing to free money in the retirement savings universe. Consider it money that grows without being taxed. Emergency reserves. Many financial planners recommend that you have enough money in a savings or money-market account for at, least six to nine months of essential expenses, including your mortgage or rent, insurance premiums, credit card payments, utility and grocery bills and other fixed expenses, such as car payments or student loans. And it’s always a good idea to have cash on hand once you are confronted with emergency situations. For example, if the ATMs in your neighborhood are out, you can have enough to cover your immediate needs for a week or so. A major illness, an extended disability (残疾) or the loss of a job could wipe out your financial reserves and any prospect of being able to save enough to achieve your other life goals. Here’s what you need to protect your savings: Health insurance. A recent study of court records and direct interviews indicated that about half of personal bankruptcies in the U. S. are caused in part by medical debts. Only people over 65 are entitled to the medicare. So people under that age face enormous bills and many of them lack insurance. If your company provides medical benefits, you have the most cost-efficient coverage available. Sign up. If you’re responsible for your own medical insurance ,you may want to look into health savings accounts ( HSAs ), a combination of a high deductible health plan and a tax-deductible savings account allocated to health care expenses. The funds in the account grow tax-free and can be withdrawn tax-free to pay for any qualified medical expenses, including over-the-counter medications, dental care, eyeglasses and other costs not usually covered by conventional health insurance plans. Disability insurance. Over 80% of Americans don’t have adequate disability coverage, according to a survey by the Consumer Federation of America and the American Council of Life Insurers. You may already have disability insurance through your employee benefits plan, either as paid sick leave or actual disability payments if you’re unable to work for an extended period of time. But these programs tend to pay far less than your weekly salary. For the self-employed, having a financial safety net is even more crucial. Life insurance. If your family member dies prematurely, a life-insurance policy will provide immediate funds for funeral expenses, and may help replace your lost income. "Life insurance isn’t a priority if you are single, but if you have a spouse or dependents, you want to make sure they’re taken care of, "says Barbara Raasch. Employers frequently offer coverage as part of their benefits package. One of the most thoughtful legacies that anyone call leave is peace of mind. No one wants to mar the memory of a loved one with" I think this is what Mom wanted but she never said" doubts. You can prevent that with the right advance directives (指示) and documents: A will. Over half of the adult population in this country dies without a will. This is not just senseless; it’s downright irresponsible. "If you die without a will, "says Karin Barkhorn, an estate planning attorney at Bryan Cave LLP," the state determines how your assets are dispersed." What’s more, the government could end up collecting a lot more tax than necessary. A living will. Also known as a health care directive, a living will specifies what medical measures should be used to keep you alive if you are incapacitated. The agonizing Terri Schiavo case earlier this year showed how the absence of a living will can rip a family apart. Health care providers are generally required to comply with the wishes you describe in your living will. Durable power of attorney. This document authorizes a loved one to make financial decisions on your behalf should you become unable. It allows someone to renew your CD at the bank, pay bills, sell stock or even sell your home or business, based on the agent’s determination of what is best for you. "If you are in the hospital and cannot pay your bills or sign a check, someone will have to do it," says Raasch. "If any of your assets are held in your name only, your spouse can’t touch that money unless the court appoints him guardian. The emotional turmoil of your loved ones having to go to court will only add to your misery. "Although it’s best to have these documents prepared by a family-law attorney, you can cover the basics on your own with software such as Quicken’ s WillMaker Plus or Kiplinger’s WillPower. Retirement savings. Insurance coverage. Estate planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today.What is the advantage of the retirement savings A．Government withdraws a light tax on the retirement savings.B．Employees can get money as the retirement savings from their employers.C．Anyone with the retirement savings is qualified for a 401K plan.D．More than 50% Americans enjoy free money in the retirement savings.

Sprained(扭伤)Ankle One of the most common injuries teenagers and adults experience is a sprained ankle. A sprain occurs when the ligaments(韧带)of a joint are twisted(扭伤) and possibly torn. Ligaments are bands of fibers that hold the bones of a joint in position. A sprain can occur from a sudden twisting at the joint, or a stretching or tearing of the fibers of the ligaments. The injured area usually swells(肿胀) and becomes black and blue. Stepping off the sidewalk at the wrong angle or having one foot land in a hole while walking or running can leave you rolling on the ground in pain with an ankle on fire! If you cannot walk without experiencing intense pain,you must seek medical help. If the pain is manageable,and you can walk,here are three words to help you remember how to treat yourself: ■ Elevate(抬高) ■ Cool ■ Bandage (打绷带 ) As soon as there is injury to that ligament, there will be a certain amount of bleeding under the skin. Once the blood pools around the damaged blood vessels, swelling occurs. The pressure from the swelling results in additional stress and tenderness to the region. In order to reduce the degree of swelling, lie down as soon as possible and keep the ankle elevated so that it is actually higher than your heart. Next,to reduce blood distribution and keep bleeding to a minimum,apply a cold pack. After 20 minutes, take the pack off,wait half an hour and then reapply. This can be done several times a day for a total of three days. Never leave a cold pack on for more than 20 minutes at a time. Reducing the temperature in that area for an extended period of time signals the body to increase blood flow to raise the body temperature! Therefore,one accidentally triggers more blood distribution to the affected area by leaving a cold pack on for too long! Finally,bandage the ankle. Be careful not to wind it too tightly;doing so can restrict blood flow and cause harm to the entire foot.The main idea of the passage is to explain A．how a sprain occurs.B．how to treat a sprained ankle.C．how to bandage an injured foot.D．how to reduce the temperature of a wounded are

The plumber is coming tomorrow to _ the new washing machine.A. installB. diminishC. enhanceD. display

【题目】Good Morning Britain`s Susanna Rei-|||-d is used to grilling guests on the sofa ever-|||-y morning, but she is cooking up a storm i-|||-n her latest role showing families hou to pr-|||-epare delicious and autritious meals on a tigh-|||-t budget,-|||-In Sare Money :Good Food,she visit-|||-s a different home each treek and with the he-|||-lp of chef Matt T ebbutt offers top tips on ho-|||-we to reduce Jood wraste, while preparing recip-|||-es for under E5 per family a day.And the G-|||-ood Morning Britain presenter says she`s bee-|||-n able to put a lot of what she`s learnt into p-|||-ractice in her own home, preparing meals fo-|||-r sons, Sam,14,Finn,13,and Jack, 1-|||-1.-|||-"We love Mezican churros, so I buy the-|||-m on my phone from my local Mezican takea-|||-wey restaurant,"she explains,"I pay E5 fo-|||-r a portion (一份),but Matt makes them fo-|||-r 26p a portion, because they are flour,wate-|||-r,sugar and oil. Everybody can buy takeawa-|||-y food, but sometimes ice`re not aware how c-|||-heaply we can make this food ourselves."-|||-T he cight-part serics(系列节自),Sav-|||-e Money: Good Food,follous in the footstep-|||-s of IT V`s Save Money: Good Health,whi-|||-ch gave rievers advice on how to get value fro-|||-m the vast range of health produds on the m-|||-arket,-|||-With food our biggest weelly houschold ez-|||-pease, Susanna and Matt spend time wit-|||-h a different family each week.In tonigh-|||-t`s Easter special they come to the aid of a f-|||-amily in need of some delicious inspiration o-|||-n a budget.The team trans forms the famil-|||-y`s long weekend of celebration writh less expe-|||-nsive but still tasty recipes.-|||-(1)What do we know about Susanna Reid?-|||-A.She enjoys cmbarressing her gucsts-|||-B.She has started a new programme.-|||-C.She dislikes teorking early in the morning.-|||-D.She has had a light budget for her family.-|||-(2)How docs Matt T cbbutt help Susanna?-|||-__-|||-A.He buys cooking materials for her.-|||-B.He prepares food for her kids.-|||-C.He assists her in cooking matters.-|||-D.He invites guest families for her,-|||-(3)What does the author intend to do in pa-|||-ragraph 4 ? __-|||-A.Summarize the prexious paragraphs-|||-B.Provide some advice for the readers,-|||-C.Add some background information.-|||-D.Introduce a new topic for discussion-|||-(4)What can be a suitable title for the ter-|||-?__ -|||-A.Keeping Fit by Eating Smart-|||-B.Balancing Our Daily Dict-|||-C.Making yourself a Perfed Chef-|||-D.Cooking Well for Less

Just Porter公益创业将他们“卖一捐一”帮助孩子和所在社区的新方式命名为: （ ） 。A. Giving 1.0B. Giving 4.0C. Giving 3.0D. Giving 2.0

33 Trust is fundamental to life. If you can’t trust anything, life becomes intolerable. You can’t have relationships without trust, let alone good ones. In the workplace, too, trust is 26. An organization without trust will be full of fear and 27. If you work for a boss who doesn’t trust their employees to do things right, you’ll have a 28time. They’ll be checking up on you all the time, correcting “mistakes” and 29reminding you to do this or that. Colleagues who don’t trust one another will need to spend more time 30their backs than doing any useful work. Organizations are always trying to cut costs. Think of all the additional tasks caused by lack of trust. Audit (审计) departments only exist because of it. Companies keep large volumes of 31because they don’t trust their suppliers, their contractors or their customers. Probably more than half of all administrative work is only there because of an ever-existing sense that “you can’t trust anyone these days.” If even a small part of such valueless work could be 32, the savings would run into millions of dollars. All this is extra work we 33onto ourselves because we don’t trust people—the checking, following through, doing things ourselves because we don’t believe others will do them 34—or at all. If we took all that away, how much extra time would we suddenly find in our life? How much of our work 35would disappear?A、constantly B、credible C、essential D、exploring E、gather F、load G、miserable A.pressureB.properly C.records D.removed E.stacks F.suspicion G.tracked H.watching

Sport is not only physically challenging, but it can also be mentally challenging. Criticism from coaches, parents, and other teammates, as well as pressure to win can create an excessive amount of anxiety or stress for young athletes(运动员). Stress can be physical, emotional, or psychological and research has indicated that it can lead to burnout. Burnout has been described as dropping or quitting of an activity that was at one time enjoyable. The early years of development are critical years for learning about oneself. The sport setting is one where valuable experiences can take place. Young athletes can, for example, learn how to cooperate with others, make friends, and gain other social skills that will be used throughout their lives. Coaches and parents should be aware, at all times, that their feedback to youngsters can greatly affect their children. Youngsters may take their parents' and coaches' criticisms to heart and find a flaw (缺陷) in themselves. Coaches and parents should also be cautious that youth sport participation does not become work for children. The outcome of the game should not be more important than the process of learning the sport and other life lessons. In today's youth sport setting, young athletes may be worrying more about who will win instead of enjoying themselves and the sport. Following a game many parents and coaches focus on the outcome and find fault with youngsters' performances. Positive reinforcement should be provided regardless of the outcome. Research indicates that positive reinforcement motivates and has a greater effect on learning than criticism. Again, criticism can create high levels of stress, which can lead to burnout. 1. An effective way to prevent the burnout of young athletes is ______ A. to reduce their mental stress B. to increase their sense of success C. to make sports less competitive D. to make sports more challenging 2. According to the passage sport is positive for young people in that ____ . A. it can help them learn more about society B. it enables them to find flaws in themselves C. it can provide them with valuable experiences D. it teaches them how to set realistic goals for themselves 3. Many coaches and parents are in the habit of criticizing young athletes ______ . A. believing that criticism is beneficial for their early development B. without realizing criticism may destroy their self confidence C. in order to make them remember life's lessons D. so as to put more pressure on them 4. According to the passage parents and coaches should _____________ . A. pay more attention to letting children enjoy sports B. help children to win every game C. train children to cope with stress D. enable children to understand the positive aspect of sports 5. The author's purpose in writing the passage is ____________ . A. to teach young athletes how to avoid burnout B. to persuade young children not to worry about criticism C. to stress the importance of positive reinforcement to children D. to discuss the skill of combining criticism with encouragement

You solved one problem and another would immediately pop___________.(用适当的词填空)

It 's easy to blame feelings of discontentment on outside sources like money or stuff , but true contentment and lasting joy don 't come from anything money______A. buysB. can buyC. to buyD. able to buy