adjustto,setaside,inneed,allin-优题课

This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day.” is another way to talk about saving for the future.
People who hate to spend money are known as “tightwads”, while those who like to get the most value for their money are called “thrifty”. A spendthrift is someone who spends wastefully. People like that are often said to spend money “like a drunken sailor” or “like there is no tomorrow”.
In the United States, people who want to start a savings account have different choices of where to put their money.Credit unions are cooperatives for people who have some kind of connection. For example, the members might work for a university or a government agency. Most credit unions are nonprofit organizations.
Credit unions, banks and other financial institutions pay interest on savings accounts. But the rates are low. Certificates of deposit (定期存款) pay higher returns. With Certificates of deposit, people agree not to withdraw the money for a certain period of time. This term could be anywhere from a few months to several years.People can withdraw the money early but they have to pay a penalty.(罚金)
In many countries, people have been saving less over the years. It is reported that in 2000, Americans had a household savings rate of 7%. Many European countries have higher rates, but Americans save more than families in Japan.

A．People are willing to save money for the future.

B．Before gold, even kings take off their hats.

C．A penny saved is a penny earned.

D．Longer terms, and large amounts, pay higher interest.

E.This year the rate is expected to be a little more than four percent.
F.These include banks and credit unions.
G.A thrifty person is different from a spendthrift.

Love, success, happiness, family and freedom ---- how important are these values to you? Here is one interview which explores the fundamental questions in life.
_______My name is Misbah, 27 years old. I was born in a war-torn area. Right now I’m a web designer.
_______My parents used to take us to hunt birds, climb trees, and play in the fields. For me it was like a holiday because we were going to have fun all day long. Those are my great memories.
_______Yes. As life was very hard, I used to work to help bring money in for the family. I spent my childhood working, with responsibilities beyond my age. However, it taught me to deal with problems all alone. I learnt to be independent.
_______My parents supported me until I came of age. I want to give back what I’ve got. That’s our way. But I am working in another city. My only contact with my parents now is through the phone, but I hate using it. It filters out your emotion and leaves your voice only. My deepest feelings should be pleased through sight, hearing and touch.

Are you truly happy? Do you ever know what it means to be happy and what it takes to achieve happiness? The following are a few tips that I follow to create happiness in my life.
Make a plan for attaining(实现)goals that you believe will make you happy.Your moods will be likely to increase if you are going after something you value.
Surround yourself with happy people. It is easy to begin to think negatively when you are surrounded by people who think that way.
When something goes wrong,try to figure out a solution instead of being absorbed in self-pity.Truly happy people don’t allow setbacks to affect their mood because they know that with a little thought they can turn the circumstances back to their favor.
These few minutes will give you the opportunity to focus on the positive things in your life and will lead you to continuous happiness.
Whether you treat yourself to lunch, take a long, relaxing bath or simply spend a few extra minutes on your appearance, you will be subconsciously (下意识地) putting yourself in a better mood.
Finding the humor in situations can also lead to happiness.Find a way to make light of a situation that would otherwise make you happy.
Keeping healthy is another way to achieve happiness.

A．What makes one person happy may be very different from what makes someone else happy.

B．On the contrary,if you are around people who are happy,their emotional state will be infectious(感染的).

C．Being overweight or not eating nutritious foods can have a negative effect on your mood.

D．These are important questions for anyone who is seeking happiness to ask themselves.

E.Spend a few minutes each day thinking about the things that make you happy.
F.There are some tips in life that lead to happiness.
G.It’s also important to take some time each day to do something nice for yourself.

根据短文内容，从短文后的选项中选出能填人空白处的最佳选项。选项中有两项为多余选项。
When I was 16 years old, a boy gave me an important gift. .
It was the early autumn of my first year at a junior high school, and my old school was far away. . I was very lonely, and afraid to make friends with anyone.
Every time I listened to other students talking and laughing, I felt my heart break. I couldn’t talk about anyone with my problems. And I didn’t want my parents to worry about me.
Then one day, my classmates talked happily with their friends, but I sat at my desk unhappily as usual. I didn’t know who he was. He passed me and then turned back. He looked at me, with a smile on his face.
Suddenly, I felt the touch of something bright and friendly. It made me feel happy, lively and warm.
I started to talk with other students and made friends. Day by day, I became closer to everyone in my class. The boy with the lucky smile has become my best friend now!
I believe that the world is what you think it is. If you think it lonely, you might always be alone. So smile at the world and it will smile back.

A．At that moment, a boy entered the classroom.

B．He’s living in Australia now and he loves it.

C．It doesn‘t matter because all the dark days have gone.

D．It was a smile.

E. That smile changed my life.
F. It’s practically impossible to make friends here.
G. As a result, no one knew who I was.

Although many Chinese students say that their knowledge of English grammar is good, most would admit that their spoken English is poor. Whenever I speak to Chinese students, they always say, "My spoken English is poor."I would like to suggest that there may be some reasons for their problems with spoken English.
First, they fail to find suitable words to express themselves due to a limited vocabulary. However，you can speak with a limited vocabulary if your attitude is positive. Others will follow you as long as you use the words that you know.
Sometimes they make mistakes when they are speaking because they are shy and nervous. Yet students should remember that their goal in speaking should be fluency not accuracy. You want to get your message across, to talk to someone in English, as quickly and well as you can, even though sometimes you may use a wrong word or tense, but it doesn't matter.
The third reason is that not enough attention is paid to listening. You have one mouth but two ears! All that hearing is necessary for you to start speaking.
Fourth, most Chinese students are reactive(被动反应的) rather than proactive（积极行动的） language learners. Instead of actively seeking out opportunities to improve their spoken English they passively wait for speaking opportunities to come to them and wonder why their English always remains poor.

A．The person you are speaking to will understand you and make allowances for mistakes he hears.

B．They may try to avoid making similar mistakes next time.

C．Obviously the better way is to expand their vocabulary.

D．If you have proactive outlook（观点）, then you will see English opportunities wherever you go.

E. However, their spoken English does not have to remain poor
F. Second, they are afraid of making mistakes.
G. The second reason lies in the unwillingness of using what has just been learned.