1．It is said that India is the birthplace of cotton，_______ cotton planting spread to other places of the world．（ ）
| A． | when | B． | where | C． | from where | D． | in which |
20．The government is taking _____steps towards addressing the country's economic problem．（ ）
| A． | autonomous | B． | apparent | C． | tentative | D． | permanent |
17．Troubled by the poor performance of their investments，many people are taking steps to stop decrease of their savings and rethink their financial plans．They are not sure what to do to maximize returns in light of stock market fluctuations，new tax laws，low interest rates and skyrocketing real estate values．"People are afraid of making a mistake and losing more money，"says financial counselor Denise Hughes．"The doityourself investor of the 1990s is more comfortable now doing nothing．"But doing nothing isn't better than doing something smart．Here's what financial advisors are recommending to their clients：
Plan for financial aid．Most parents don't save nearly enough for children's education．They assume that investing in a 529 plan is the best place for your savings．While a 529 plan offers taxfree growth and withdrawals for college costs，colleges look at these savings when evaluating their qualification and how much they will hand over．Do save aggressively for college in a taxable account in your name if your household income is below﹩100，000．In this case，your child will likely qualify for some financial aid．Do invest in a 529 plan if your income is higher than﹩100，000 and will likely remain at or above that level when your child enters college．In this case，the 529 plan is great because you probably won't qualify for financial aid anyway．
Expect ups and downs．Annoyed by three straight years of stock market dlines，many people have been shifting to lowerrisk investments．But just astaking too much risk can hurt your portfolio's（投资组合） growth rate，so can hiding out in excessive safe investments．Do consider investing in funds that you'll hold on to for more than a year．Under the new tax law，longterm capital gains are taxed at a maximum of 15%，down from 20%．Do look at stock funds that pay dividends（红利）．Dividends on stocks used to be taxed at your personal income tax rate．Under the new law，they are now taxed at no more than 15%．Investing in these funds will not only hold down taxes but also sustain your portfolio's value in tough times．
Forget high fees．Over the next ten years，achieving the kind of doubledigit returns we experienced over the past 20years will be much harder．In the 1990s，the average rate of returns for aportfolio allocated 60% to stocks and 40% to bonds was 13.2% after taxes and transaction expenses．Over the coming decade，this rate is expected to be closer to 5.5%．Don't pay unnecessarily high investment costs and fees．For example，if you can save half a percentage point on your fund expense ratio（the fee that funds charge you each year to manage your money），your average investment return could be 6% instead of 5%．
Title：How to Manage Your Money
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Plan for financial aid．Most parents don't save nearly enough for children's education．They assume that investing in a 529 plan is the best place for your savings．While a 529 plan offers taxfree growth and withdrawals for college costs，colleges look at these savings when evaluating their qualification and how much they will hand over．Do save aggressively for college in a taxable account in your name if your household income is below﹩100，000．In this case，your child will likely qualify for some financial aid．Do invest in a 529 plan if your income is higher than﹩100，000 and will likely remain at or above that level when your child enters college．In this case，the 529 plan is great because you probably won't qualify for financial aid anyway．
Expect ups and downs．Annoyed by three straight years of stock market dlines，many people have been shifting to lowerrisk investments．But just astaking too much risk can hurt your portfolio's（投资组合） growth rate，so can hiding out in excessive safe investments．Do consider investing in funds that you'll hold on to for more than a year．Under the new tax law，longterm capital gains are taxed at a maximum of 15%，down from 20%．Do look at stock funds that pay dividends（红利）．Dividends on stocks used to be taxed at your personal income tax rate．Under the new law，they are now taxed at no more than 15%．Investing in these funds will not only hold down taxes but also sustain your portfolio's value in tough times．
Forget high fees．Over the next ten years，achieving the kind of doubledigit returns we experienced over the past 20years will be much harder．In the 1990s，the average rate of returns for aportfolio allocated 60% to stocks and 40% to bonds was 13.2% after taxes and transaction expenses．Over the coming decade，this rate is expected to be closer to 5.5%．Don't pay unnecessarily high investment costs and fees．For example，if you can save half a percentage point on your fund expense ratio（the fee that funds charge you each year to manage your money），your average investment return could be 6% instead of 5%．
Title：How to Manage Your Money
| Introduction to the topic | ●Many people become passive investors for （71）fearthat they make mistakes and suffer a loss of more money ●In face of the trouble，doing something smart makes （72）sense | |
| （73） Tips/Suggestions/Adviceon managing your money | Plan for financial aid | ●（74）Assumptionsare made that a 529 plan is the best choice for everyone's savings ●If your family earns less than $100，000，save aggressively for college in a taxable account in your name and chances are that your child will have （75）accessto some financial aid ●If your family earns more than $100，000 and will possibly remain at or above that level when your child enters college，a 529 plan （76）suitsyou best because you probably won't have the qualif ication for aid anyway |
| Expect ups and downs | ●Excessive safe investments as well as （77）riskyones hurt your portfolio's growth rate ●Invest in funds that you will hold on to for more than a year，for under the new tax law longterm capital gains are （78）less Taxed ●Invest in stock funds that pay dividends，which can not only hold down the taxes but also make your portfolio's value （79）sustainablein tough times | |
| Forget high fees | （80）Avoidingpaying unnecessarily high investment costs and fees，you will increase your average investment return | |