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． money | D．education |
This passage mainly talks about __________.
| A． the relation between man and insects |
| B．the spending nature of people |
| 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 cricket. | B． The ant |
| C．The snail. | D．None of the above. |
As a junior at McGill University, Doreen Sykora had a difficult time when she first began college. She said, “I was always well prepared for my examinations. But when I go into class to take the exam, I would fall apart. I could just blank out because of nervousness and fear.” Hitoshi Sakamoto, an anthropology(人类学) student at Temple University in Tokyo reports similar experiences.
These two young students were experiencing something called test anxiety. Because a student worries and is stressed about a test, his or her mind does not work as well as it usually does. The student cannot write or think clearly because of the severe tension and nervousness.
Now there are special university courses to help students. In these courses, advisors and psychologists try to help students by teaching them to manage test anxiety. Such a course helps students learn to live with stress and not fail because of it. First students take a practice test to measure their worry level. If the tests show that their stress level is high, the students can take a short course to manage the fear. These courses teach students how to relax their bodies. They get training to become calm in very tense situations. By controlling their nervousness, they can let their minds work more easily. Learned information then comes out without difficulty on a test.
Doreen Sykora saw immediate results after taking such a course. She now has enthusiasm about the relaxation methods. “Mostly, what I do is imagine myself in a very calm place. Then I imagine myself picking up a pencil. I move slowly and carefully. I breathe easily and let all the tension out. With each breath, more worry leaves me. It really works too. My grades have improved greatly! I’m really doing well at McGill now. This relaxation method works not only on examinations, but it has improved the rest of my life as well.”
For Hitoshi in Tokyo, the results were much the same. He is enjoying school a lot more and learning more.What is the similarity between Doreen Sykora and Hitoshi Sakamoto?
| A．They both had experiences of test anxiety. |
| B．They failed in all the examinations. |
| C．They are students from the same university. |
| D．They both had the same poor studying habits. |
The underlined phrase “blank out” in Paragraph 1 refers to “_______.”
| A．get an extra paper |
| B．be unable to think clearly |
| C．lose interest in the exam |
| D．refuse to take the exam |
What’s the purpose of some special university student-help courses?
| A．To learn more knowledge about test anxiety. |
| B．To show a stress level experienced by students. |
| C．To help students to reduce test anxiety. |
| D．To have a better understanding of test anxiety. |
One of the most traditional features of American culture is to respect the self-made man — the man who has risen to the top through his own efforts, usually beginning by working with his hands. While the leader in business or industry or the college professor occupies a higher social position and commands greater respect in the community than the common laborer or even the skilled factory worker, he may take pains to point out that his father started life in America as a farmer or laborer of some sort.
This attitude toward manual(体力的) labor is now still seen in many aspects of American life. One is invited to dinner at a home that is not only comfortably but even luxuriously (豪华地) furnished and in which there is every evidence of the fact that the family has been able to afford foreign travel, expensive hobbies, and college education for the children; yet the hostess probably will cook the dinner herself, will serve it herself and will wash dishes afterward, furthermore the dinner will not consist merely of something quickly and easily assembled from contents of various cans and a cake or a pie bought at the nearby bakery. On the contrary, the hostess usually takes pride in careful preparation of special dishes. A professional man may talk about washing the car, digging in his flowerbeds, painting the house. His wife may even help with these things, just as he often helps her with the dishwashing. The son who is away at college may wait on table and wash dishes for his living, or during the summer he may work with a construction gang on a highway in order to pay for his education.From the second paragraph of this passage we can find that _______.
| A．Hagner busies herself by following a trend |
| B．Hagner doesn't spend much time on her full-time job |
| C．Hagner is interested in sports and music |
| D．Hagner wastes much time helping her children's lessons |
British parents, as the writer described in this passage, _______.
| A．treat their children as sports players |
| B．give their children little time to develop freely |
| C．bring up their children in a simple way |
| D．pay no attention to their children's lessons |
The writer's opinion about after-school clubs is that ________.
| A．activities in the country are too competitive |
| B．children should attend four clubs at a time |
| C．clubs should have more subjects for school children |
| D．some clubs result in competitive pressures |
The last paragraph tells us that in Britain _______.
| A．parents used to take their children to every club |
| B．parents have all benefited from children’s clubs |
| C．parents used to be wise on how to raise children |
| D．parents have come to know the standard of education |
Recently Cathy Hagner sadly finds that life for her and her three children is set to permanent(永久的)fast-forward.
Their full school day and her job as a lawyer's assistant are busy enough. But Hanger also has to take the two boys to soccer or hockey or basketball while dropping off her daughter at piano lessons or Girl Scout Club.
Often, the exhausted family doesn't get home until 7 pm. There is just time for a quick supper before homework. In today's world, middle-class American and British parents treat their children as if they are competitors racing for some finishing line.
Parents take their children from activity to activity in order to make their future bright. It seems that raising a genius has become a more important goal than raising a happy and well-balanced child.
“Doctors across the country are reporting a growing number of children suffering from stomachaches and headaches due to exhaustion and stress,” says child expert William Doherty of the University of Minnesota.
Teachers are dealing with exhausted kids in the classroom. It's a very serious problem. Many children attend after-school clubs by necessity. But competitive pressures also create an explosion of activities. They include sports, language, music and math classes for children as young as four.
“There is a new parenting trend under way which says that you have to tap all your child’s potential at a young age; otherwise you will let him down,” says Terry Apter, a Cambridge-based child and adolescent psychiatrist(青少年精神病专家).
“It isn't entirely new: there have always been pushy parents. But what was previously seen as strange behavior is now well accepted.”From the second paragraph of this passage we can find that _______.
| A．Hagner busies herself by following a trend |
| B．Hagner doesn't spend much time on her full-time job |
| C．Hagner is interested in sports and music |
| D．Hagner wastes much time helping her children's lessons |
British parents, as the writer described in this passage, _______.
| A．treat their children as sports players |
| B．give their children little time to develop freely |
| C．bring up their children in a simple way |
| D．pay no attention to their children's lessons |
The writer's opinion about after-school clubs is that ________.
| A．activities in the country are too competitive |
| B．children should attend four clubs at a time |
| C．clubs should have more subjects for school children |
| D．some clubs result in competitive pressures |
The last paragraph tells us that in Britain _______.
| A．parents used to take their children to every club |
| B．parents have all benefited from children’s clubs |
| C．parents used to be wise on how to raise children |
| D．parents have come to know the standard of education |
Most of us are expecting high-quality customer service in our daily life, but actually enjoying a happy purchase is easier said than done.
Shoppers seldom complain to the manager or owner of a retail store, but instead they will alert their friends, relatives, co-workers, strangers—and anyone who will listen.
Store managers are often the last to hear complaints, and often find out only when their regular customers decide to frequent their competitors, according to a study jointly conducted by Verde Group and Wharton School.
“Storytelling hurts retailers and entertains consumers,” said Paula Courtney, President of the Verde Group. “The store loses the customer, but the shopper must also find a replacement.”
On average, every unhappy customer will complain to at least four others, and will no longer visit the specific store. For every dissatisfied customer, a store will lose up to three more due to negative review. The resulting “snowball effect” can be disastrous to retailers.
According to the research, shoppers who purchased clothing encountered the most problems. Ranked second and third were grocery and electronics customers.
The most common complaints include filled parking lots, cluttered (塞满了的) shelves, overloaded racks, out-of-stock items, long check-out lines, and rude salespeople.
During peak shopping hours, some retailers solved parking problems by getting moonlighting (业余兼职的) local police to work as parking attendants. Some hired flag wavers to direct customers to empty parking spaces. This guidance eliminated the need for customers to circle the parking lot endlessly, and avoided confrontation between those eyeing the same parking space.
Retailers can relieve the headaches by redesigning store layouts, pre-stocking sales items, hiring speedy and experienced cashiers, and having sales representatives on hand to answer questions.
Most importantly, salespeople should be diplomatic and polite with angry customers.
“Retailers who’re responsive and friendly are more likely to smooth over issues than those who aren’t so friendly,” said Professor Stephen Hoch. “Maybe something as simple as a greeter at the store entrance would help.”
Customers can also improve future shopping experiences by filing complaints to the retailer, instead of complaining to the rest of the world. Retailers are hard-pressed to improve when they have no idea what is wrong.Why are store managers often the last to hear complaints?
| A．Most customers won’t bother to complain even if they have had unhappy experiences. |
| B．Customers have no easy access to store managers. |
| C．Few customers believe the service will be improved. |
| D．Customers would rather relate their unhappy experiences to people around them. |
What does Paula imply by saying “the shopper must also find a replacement” (Line 2, Para. 4)
| A．New customers are bound to replace old ones. |
| B．Most stores provide the same kind of service. |
| C．Not complaining to manager causes the shopper some trouble too. |
| D．It is not likely the shopper can find the same products in other stores. |
Shop owners often hire moonlighting police as parking attendants so that shoppers________.
| A．can stay longer browsing in the store |
| B．won’t have trouble parking their cars |
| C．won’t have any worrier about security |
| D．can find their cars easily after shopping |
What contributes most to smoothing over issues with customers?
| A．Design of store layout. |
| B．Hiring of efficient employees |
| C．Huge supply of goods for sale. |
| D．Manners of the salespeople. |
To achieve better shopping experiences, customers are advised to ________.
| A．exert pressure on stores to improve their service |
| B．voice their dissatisfaction to store managers directly |
| C．settle their disputes with stores in a diplomatic |
| D．shop around and make comparisons between stores |
Why should mankind explore space? Why should money, time and effort be spent exploring and researching something with so few apparent benefits? Why should resources be spent on space rather than on conditions and people on Earth? These are questions that, understandably, are very often asked.
Perhaps the best answer lies in our genetic makeup (基因构成) as human beings. What drove our ancestors to move from the trees into the plains, and on into all possible areas and environments? The wider the spread of a species, the better its chance of survival. Perhaps the best reason for exploring space is this genetic tendency to expand wherever possible.
Nearly every successful civilization has explored, because by doing so, any dangers in surrounding areas can be identified and prepared for. Without knowledge, we may be completely destroyed by the danger. With knowledge, we can lessen its effects.
Exploration also allows minerals and other potential (潜在的) resources to be found. Even if we have no immediate need of them, they will perhaps be useful later. Resources may be more than physical possessions. Knowledge or techniques have been acquired through exploration. The techniques may have medical applications which can improve the length or quality of our lives. We have already benefited from other spin-offs including improvements in earthquake prediction, in satellites for weather forecasting and in communications systems. Even non-stick pans and mirrored sunglasses are by-products (副产品) of technological developments in the space industry!
While many resources are spent on what seems a small return, the exploration of space allows creative, brave and intelligent members of our species to focus on what may serve to save us. While space may hold many wonders and explanations of how the universe was formed or how it works, it also holds dangers．The danger exists, but knowledge can help human being to survive. Without the ability to reach out across space, the chance to save ourselves might not exist.
While Earth is the only planet known to support life, surely the adaptive ability of humans would allow us to live on other planets. It is true that the lifestyle would be different, but human life and cultures have adapted in the past and surely could in the future.Why does the author mention the questions in Paragraph1?
| A．To express his doubts. |
| B．To compare different ideas. |
| C．To introduce points for discussion. |
| D．To describe the conditions on Earth. |
What is the reason for exploring space based on Paragraph2?
| A．Humans are nature-born to do so. |
| B．Humans have the tendency to fight. |
| C．Humans may find new sources of food. |
| D．Humans don’t like to stay in the same place. |
What makes it possible for humans to live on other planets?
| A．Our genetic makeup. |
| B．Resources on the earth. |
| C．The adaptive ability of humans. |
| D．By-products in space exploration. |