Everybody in this world is different from one another．But do you know that understanding differences can help you better manage your money？
As we grow up，we gradually develop a set of our own values or beliefs．These are influenced by society，our family，the education we receive and so on．Once this value system is set up，it's not easy to change later in life．
Financial experts say that everyone also has their own belief of how to manage their finances．This is part of our value system and it has a great impact on the way we look after our money．
According to our different values，experts put us in three categories．They are：the ant，the cricket and the snail．
The ant-works first
Just like ants who work heart and soul in summer in order to store food for winter，these people don't care about enjoying the moment．They work very hard and save money they earn so that they can enjoy life when they get old and retire．The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk．
The cricket-fun first
The cricket wants to enjoy everything now and doesn't think too much about the future．They even borrow money when they really want something．Many young people now belong to this group．These people have little savings．When they get old，they might have problems．They should learn to save and buy insurance．
The snail-lives under pressure
The snail refers to people who make life difficult for themselves．They take big long-term loans from the bank in order to buy things such as luxury houses．They are happy to take big loans even though they are not sure whether they can afford it．This can cause problems in the future．They should plan more carefully．
People with the character of the snail would like to __________．
| A．enjoy life at the moment without thinking much about the future |
| B．put work before everything else |
| C．live a luxury life at all costs |
| D．take the risk of investing a large sum of money |
Our beliefs and values are affected by the following except __________．
| A．society | B．our family | C．education | D．money |
This passage mainly talks about __________．
| A．the spending nature of people |
| B．the relation between man and insects |
| C．the insects in nature |
| D．the problems with dealing with money |
Which of the following has the character that the author prefers？
| A．The ant | B．The cricket |
| C．The snail | D．None of the above |
Local businessmen are increasingly facing competition from online retailers. Larry Pollock, owner of Camera Co/Op on South Congress, said he has been dealing with this kind of problem for years, even before the Internet. The struggle began with mail-order catalogues(目录), which are similar to online retailers in that they have few employees to pay, no sales tax fees and no business venue to lease and manage.
“Their overhead is lower, but they don’t offer a service like we do,” Pollock said.
Pollock, however, said providing a valuable service to customers does not always guarantee continued sales.
“We spend 30 minutes to an hour with somebody and they go home and buy it on line,” he said.
According to the state comptroller’s office, online shopping is developing at a more rapid rate than traditional businesses.
In spite of how fair or unfair online shopping may be to the local businessmen, consumers will continue to turn to the Internet for its variety and accessibility, said Mitch Wilson, an online shopper. “You have a larger selection and it's easier to compare prices.”
Wilson said he built his personal computer and paid a third of the price by shopping on line.
“Before the Internet, I would have had to go and buy an assembled computer from somebody like Dell,” he said. “Before I started shopping on line I could never find all the pieces I wanted. No single store had everything needed, so shopping on line saved me from having to buy from Dell.”
Janny Brazeal, a psychology freshman, said online shopping is too impersonal.
“’d rather see it in person, touch it, know that I’m getting it,” she said.
Brazeal also said she would not give out her credit card number or other personal information on line no matter how safe the site claims it is.Larry Pollock has been facing the problem _____.
| A．before long |
| B．after the Internet |
| C．since there were mail-order catalogues |
| D．since he worked as a businessman |
According to the passage, which of the following is WRONG?
| A．Traditional business can provide valuable ser- vices to customers. |
| B．People can get cheaper goods from traditional business. |
| C．More and more people will turn to the Internet for their needs. |
| D．There are still many people who don’t like on- line shopping. |
Mitch Wilson prefers to build his personal compu- ter by shopping on line because _____.
| A．he can easily get what he needs at a lower price |
| B．he can not get the price at traditional businessman |
| C．he is not satisfied with the service of local busi- nessman |
| D．the quality of Dell is not satisfying |
One of India’s top engineering schools has restricted Internet access in its boarding houses, saying addiction to surfing, gaming and blogging was affecting students' performance, making them lonely and even suicidal.
Authorities at the best Indian Institute of Technology (IIT) in Mumbai said students had stopped socializing and many were late for morning classes or slept through them. “Now, a student doesn’t even know who lives two doors away from him because he is so busy on the Internet,” said Prakash Gopalan, dean of student affairs. “The old dormitory culture of companionship and socializing among students is gone. This is not healthy in our opinion.”
IIT-Mumbai, with about 5,000 students, is one of seven IITs across India which are considered to be among the finest engineering schools in the world. They are also a talent pool for global technology giants. But their hard courses, tough competition and lonely campus lifestyle have taken an effect on students. Depressive and dysfunctional(不正常的) lifestyles are known to be common among IIT students, and at least nine have committed suicide in the past five years. Students have unlimited free Internet access in their boarding houses to help them in their studies, but many also use it to surf, chat, download movies and music, blog and for gaming.
Starting Monday, Internet access will be banned between 11 p.m. and 12.30 p.m. at IIT-Mumbai’s 13 boarding buildings to encourage students to sleep early and to try and force them out of their “shells”, Gopalan said. But the move has not gone down well with students who say they hate their lives being regulated. “Now they will say we need to listen to a lullaby(摇篮曲) to go to sleep,” said Rajiv, an electronics student. What measure has been taken in IIT- Mumbai?
| A．Students have unlimited free Internet access in their dormitories. |
| B．Students are forbidden to surf the Internet. |
| C．Internet access is unavailable in deep night. |
| D．Students must go to bed before 11 p.m. |
In the passage the students are told to _____.
| A．sleep through their lessons |
| B．break away from the Internet |
| C．go to sleep along with music |
| D．stop surfing, make friends |
We may infer from the last paragraph that _____.
| A．the banning order causes some complaints among the students |
| B．all electronics students hate the banning order |
| C．more students prefer listening to music to surf- ing the Internet |
| D．there is no Internet access on the IIT campus even |
Have you seen a yellow-and-black salamander (火蜥蜴)? How about a scarlet frog? Scientists haven’t spotted either species in more than 20 years. What happened to them? Are the creatures still out there, or are they extinct?
Those are questions that scientists hope to answer. They recently set out around the world in search of those and other long-missing amphibians. An amphibian is an animal that spends part of its life in water and part on land. Frog, toads(蟾蜍), and salamanders are amphibians.
The experts are looking for about 100 species. They are searching at least 14 countries on five continents. They will look for the salamander in North America. They hope to find the scarlet frog in South America. They’re also looking for species in Africa, Asia and Australia.
Scientists are hopeful that they’ll find the amphibians—and soon! If the creatures are out there, they may need help. Many amphibians are endangered. The animals face many dangers including pollution and diseases. People cut down the forests where they live.
“If researchers can find the missing creatures, they might be able to figure out how to save them,” explains expert Robin Moore. He began searching for the amphibians earlier this month.
“This search will tell us a lot about how amphibians are doing,” Moore told WR News. “I don’t know what we will find, but that makes the search even more exciting.”
Lost in the Wild
Scientists’ hunt for missing amphibians is under way. Read about some of the species they hope to find.
Turkestanian salamander
This salamander is a mystery to scientists. Experts found a few of them more than 100 years ago, but none have been seen ever since.
Gastric brooding frog
Experts first discovered this frog in 1914 in eastern Australia. It may be extinct because of disease and habitat loss.
Rio Pescado stubfoot toad
Last sighting: 1995, in South America
Scientists hope to find this spotted toad in rivers and rainforests in Ecuador. The animal faces threats including pollution and disease. Which of the following animals hasn’t been seen for over a century?
| A．Rio Pescado stubfoot toad. |
| B．Gastric brooding frog. |
| C．Turkestanian salamander. |
| D．Scarlet frog. |
It can be learned from the passage that _____.
| A．the scarlet frog used to live in Africa |
| B．researchers have no way to save amphibians |
| C．the scientists will search 14 countries at most |
| D．Robin Moore has begun his search for amphibians |
Why do the scientists want to find the missing amphibians?
| A．Because they want to rescue the missing amphibians. |
| B．Because they want to set up a scientific program. |
| C．Because they want to do a scientific research on the missing amphibians. |
| D．Because they want to publish a report about the missing amphibians on WR News. |
What does Moore think of the search for endangered amphibians?
| A．It’s hopeful. | B．It’s interesting. |
| C．It’s tiring. | D．It’s dangerous. |
What is Home stay? Literally it is a home for you to stay at when you are not at home. To be specific, home stay provides foreign language students with the opportunity to speak native language outside the classroom and the experience of being part of a British home. Here is what you will experience in our British Home-stay Program.
What to Expect
The host will provide accommodation and meals. Rooms will be cleaned and bedcovers changed at least once a week. You will be given the house key and the host is there to offer help and advice as well as to take an interest in your physical and mental health.
Accommodation Zones
Homestays are located in London mainly in Zones 2, 3 and of the transport system. Most hosts do not live in the town centre (Zone 1) as much of central London is commercial and not residential(居住的). Zones 3 and 4 often offer smaller accommodation in a more crowded area. It is very convenient to travel in London by underground.
Meal Plans Available
• Continental Breakfast
• Breakfast and Dinner
• Breakfast, Packed Lunch and Dinner
It’s important to note that few English families still provide a traditional cooked breakfast. Your accommodation includes Continental Breakfast which normally consists of fruit juice, cereal(谷物类食品), bread and tea or coffee. Cheese, fruit and cold meat are not normally part of a Continental Breakfast in England. Dinners usually consist of meat or fish with vegetables followed by desert, fruit and coffee.
Friends
If you wish to invite a friend over to visit, you must first ask your host’s permission. You have no right to entertain friends in a family home as some families feel it is an invasion of their privacy.
Self-Catering Accommodation in Private Homes
Accommodation on a room-only basis includes shared kitchen and bathroom facilities and often a main living room. This kind of accommodation offers an independent lifestyle and is more suitable for the long-stay student. However, it does not provide the same family atmosphere as an ordinary homestay and may not benefit those who need to practise English at home quite as much. The passage is probably written for _____.
| A．host willing to receive foreign students |
| B．foreigners hoping to build British culture |
| C．travellers planning to visit families in London |
| D．English learners applying to like in English homes |
Which of the following will the host provide?
| A．Medical care. | B．Room cleaning. |
| C．Free transport. | D．Physical training. |
What can be inferred from Paragraph 3?
| A．Zone 3 is more crowded than Zone 2. |
| B．The business centre of London is in Zone 2. |
| C．Hosts dislike travelling to the city centre. |
| D．Zone 1 offers bigger accommodation. |
According to the passage, what does Continental Breakfast include?
| A．Dessert and coffee. | B．Fruit and vegetables. |
| C．Bread and fruit juice. | D．Centre and cold meat. |
Modern science suggests that a healthy lifestyle matters much to how long you can live and how well you live. Here are some tips for you to form a healthy lifestyle.
Keep a scientific diet. Keep in mind that sugar can be removed from our diet completely. Over intake of sugar is one of the main reasons for getting fat. Over intake of protein or fat and low intake of fiber can also lead to getting fat. We need only a few grams of protein every day to keep our body in order. Like rain to crops, not the more the better.
Be always in a good mood. There is a relation- ship between the mood and health. A good mood keeps you in high spirits. Thanks to the internet, we can enjoy and learn much without going out. Take a look at some online shops and pick up some bargains, enjoy music and movies and chat with some good friends. Just keep happy.
Enough sleep. Two studies show the reasons why teens and adults don’t have enough sleep. With teens, a major reason is mobile phone use; with adults, it’s work. Meanwhile, a third study of young children shows that a lack of sleep in early life may lead to serious problems in future. Everyone needs at least 8-hour sleep to recover from tiredness and the hurt caused by hard work in the daytime.
Proper exercise. Do exercise to keep away from fatness. Because of the quick pace of modern life, you don’t have time to do exercise every day, but at least three times a week and 45 minutes each time.The author wrote the passage to _____.
| A．tell the readers how to take proper exercise every day |
| B．provide some advice on how to form a healthy lifestyle |
| C．ask people to care about their health rather than their work |
| D．make some surveys among those who have health problems |
Which of the following can lead to getting fat according to the passage?
| A．low intake of protein. | B．low intake of fat. |
| C．over intake of fiber. | D．over intake of sugar. |
The main reason why teenagers don’t have enough sleep is that they _____.
| A．use mobile phones too much |
| B．have too much homework |
| C．eat too much sugar every day |
| D．don’t have enough exercise |
How many minutes do you need to do exercise at least every week?
| A．45 minutes. | B．90 minutes. |
| C．115 minutes. | D．135 minutes. |