Ask savvy investors(投资者) how they learned their first lessons about money, and they'll probably tell you lessons their parents taught them.

The money values we learn as children stay with us the rest of our lives. If you are a parent,        71       .  Here's what you can do:

Help your child begin to save. Open savings accounts for your children, and teach them how the bank adds interest to their savings that makes their money grow.          

______72______You may even want to set up a matching program, contributing fifty cents for each dollar your child saves.

Teach your child about stocks(股票). A child in elementary school can start learning about how businesses work.      73       .Then use Morningstar Mutual Fund Guide(available at your library)to find a quality mutual fund that holds some of these companies, or a mutual fund that caters to children such as the Stein Roe Young Investor Fund. Many funds accept regular monthly investments as low as $50 a month,        74        .

Encourage early IRA(个人退休金账户)saving. The new Roth IRA is a great way for children who are working in summers or after school to begin saving for their future. Imagine how much money you'd have today if you had saved $3,000 a year since you were a teenager!

Let your kids handle their own money. We all learn by doing,       75      They may make mistakes, but they will be small mistakes that may help them avoid larger mistakes as adults.

A.you should provide enough money for children so that they can save some

B.teaching your children the value of saving and investing will benefit them the rest of their lives.

C. Once your child understands the basics, ask him or her to think about some of the businesses that might be good stock investments.

D. so letting your kids manage a segment of their budget(预算)will let them earn valuable financial lessons.

E. you should teach your children about investment when he/she is in primary school

F. Encourage your children to save a little from every bit of money they receive, such as allowances, birthday gifts, etc.

G.so these funds can be a good way to teach children about the stock market while saving for their college education.

       When we walk through the city, we all experience a kind of information overload but we pay attention only to those that are important to us. We don’t stop, we keep our faces expressionless and eyes straight ahead, and in doing so, we are not just protecting ourselves but are avoiding overloading other people as well.

       We make use of stereotypes (刻板的模式) as convenient ways to make quick judgements about situations and people around us. They may not always be accurate, and they can often be dangerously wrong, but they are used regularly.

       The problem with the stereotypes is that they restrict experience. By using limited clues to provide us with a rapid opinion of other people or places we may choose to limit our communication. We may decide not to go to certain places because we believe they will not offer something we enjoy.

       In the city, styles of dress are particularly important with regard to self-presentation. Different groups often use clearly identifiable styles of clothes so that they can be easily recognized. It is becoming increasingly common for brand names to be placed on the outside of clothes, and this labeling makes it easy to send out information about fashion and price instantly, and lets others tell at a distance whether an individual has similar tastes and is a suitable person to associate with.

In England, where social grouping or class continues to make social distinctions(区分), clothes, hairstyles, people’s pronunciation and the manner of speaking are all clues to our social group. Class distinctions tend to be relatively fixed, although in the city where greater variety is permitted, they are more likely to be secondary determining factors of friendship and association.

67. People walking in cities ignore the surroundings because __________.

A.      they do not wish to talk to other people

B.      everyone else is expressionless

C.     the environment is already familiar to them

D.     there is too much information to take in

68.  According to the passage, the main disadvantage of using stereotypes is that they

__________.

A.        are likely to lead us into dangerous situations

B.        may make us miss some pleasant experience

C.        can rarely be relied on

D.       make us mentally lazy

69.  From the passage we may conclude that _________.

A.        stereotypes can help to understand people fully

B.        people are becoming more interested in fashion

C.        dressing can send messages about individuals

D.       stereotypes can do more harm than good to people

70. It would appear that in England, a person’s class __________.

A.        might be less important in making friends in a city

B.        is mainly determined by his pronunciation

C.       plays less of a role than it did in the past

D.       is something that can be changed easily

Deserts are found where there is little rainfall or where rain for a whole year falls in only a few weeks' time. Ten inches of rain may be enough for many plants to survive if the rain is spread throughout the year, If it falls, within one or two months and the rest of the year is dry, those plants may die and a desert may form.   
     Sand begins as tiny pieces of rock that get smaller and smaller as wind and weather wear them down. Sand dunes are formed as winds move the sand across the desert. Bit by bit, the dunes grow over the years, always moving with the winds and changing the shape. Most of them are only a few feet tall, but they can grow to be several hundred feet high.
    There is, however, much more to a desert than sand. In the deserts of the southwestern United States, cliffs and deep valleys were formed from thick mud that once lay beneath a sea more than millions of years ago. Over the centuries, the water dried up. Wind, sand, rain, heat and cold all wore away at the remaining rocks. The faces of the desert mountains are always changing—very, very slowly—as these forces of nature continue to work on the rock.
     Most deserts have a surprising variety of life. There are plants, animals and insects that: have adapted to life in the desert. During the heat of the day, a visitor may see very few signs of living things, but as the air begins to cool in the evening, the desert comes to life. As the sun begins to rise again in the sky, the desert once again becomes quiet and lonely.

63. Many plants may survive in deserts when___________.
 A. the rain is spread out in a year                B. the rain falls only in a few weeks
 C. there is little rain in a year                    D. it is dry all the year round
64. Sand dunes are formed when___________.
 A. sand piles up gradually                             B. there is plenty of rain in a year
 C. the sea has dried up over the years            D. pieces of rock get smaller
65. The underlined sentence in the third paragraph probably means that in a desert
there is____________.
      A. too much sand                               B. more sand than before
      C. nothing except sand                           D. something else besides sand
66 It can be learned from the text that in a desert____________.
      A. there is no rainfall throughout the year        B. life exists in rough conditions
       C. all sand dunes are a few feet high               D. rocks are worn away only by wind and heat

Phillip Island Penguins(企鹅)

The Little Penguin has called Phillip Island home for untold generations. Get to Phillip Island in plenty of time to watch a summer sunset at Summerland Beach-the stage is attractively set to see the Little Penguin leave water and step onto land.

·Leave Melbourne at 5:30 pm. for a direct journey to Phillip Island

·See the Gippsland area-Guinness Book of Records place for the world’s longest earthworm (蚯蚓)

·Journey along the coastal highway around the Bay with French Island and Churchill Island in the distance

·Cross the bridge at San Remo to enter Phillip Island-natural home for Little Penguins and many animals

·Take your place in special viewing stands(看台) to watch the daily evening performance of the wild Little penguins

Ultimate Penguins (+U)

Join a group of up to 15. This guided tour goes to an attractive, quiet beach to see Little Penguins. You can see penguins at night by wearing a special pair of glasses.

Adult (成人) $ 60.00      Child $ 30.00

Viewing Platform Penguin Plus (+V)

More personalized wildlife viewing limited to 130 people providing closer viewing of the penguin arrival than the main viewing stands.

Adult $ 25.00       Child $ 12.50

Penguin Skybox (+S)

Join a group of only 5 in the comfort of a special, higher-up viewing tower. Gain an excellent overview of Summerland Beach.

Adult 16 yrs + $ 50.00

60.What kind of people is the text mainly written for?

       A.Scientists.             B.Students.              C.tourists.                 D.Artists.

61.We can learn from the text that Little Penguins __________.

       A.have been on Phillip Island for years     B.keep a Guinness record for their size

       C.are trained to practice diving for visitors  D.live in large groups to protect themselves

62.How much would a couple with one child pay for a closer viewing tour?

       A.$ 37.50.                B.$ 62.50.                C.$ 180.00.              D.$ 150.00.

                            

One evening after dinner, Mr. and Mrs. Tisich called a family meeting. “We’ve had to make a difficult decision,” Mr. Tisich announced. “You see, your mother has been offered a post as co-director of a television station in Chicago. Unfortunately, the station is not here. After thinking long and hard about it, we’ve concluded that the right decision is to move to Chicago.”

Marc looked shocked, while his sister Rachel breathlessly started asking when they’d be moving. “It’s surprising, but exciting!” she said. Marc simply said, “We can’t go—I can’t leave all my friends. I’d rather stay here and live with Tommy Lyons!”

The Tisichs hoped that by the time they moved in August, Marc would grow more accustomed to the idea of leaving. However, he showed no signs of accepting the news, refusing to pack his belongings.

When the morning of the move arrived, Marc was nowhere to be found. His parents called Tommy Lyons’ house, but Mrs. Lyons said she hadn’t seen Marc. Mrs. Tisich became increasingly concerned, while her husband felt angry with their son for behaving so irresponsibly.

What they didn’t know was that Marc had started walking over to Tommy’s house, with a faint idea of hiding in Lyons’ attic(阁楼) for a few days. But something happened on the way as Marc walked past all the familiar landscape of the neighborhood: the fence that he and his mother painted, the tree that he and his sister used to climb, the park where he and his father often took evening walks together. How much would these mean without his family, who make them special in the first place? Marc didn’t take the time to answer that question but instead hurried back to his house, wondering if there were any moving cartons(纸板箱)the right size to hold his record collection.

56. The conflict in this story was caused by___________.

A. Marc and Rachel’s different tempers

B. a quarrel between Tommy Lyons and Marc

C. Marc’s disagreement with his parents about their move

D. Mr. and Mrs. Tisich’s remark of Marc’s irresponsibility

57. Marc and Rachel’s reactions to the move were similar in the way that both were____________

A. surprised                           B. angry and upset

C. anxious for more details               D. worried about packing

58. The reason for Marc’s going home was that _________________.

A. he did not want to be left behind

B. he realized his family was essential to him

C. he hoped to reach an agreement with his parents

D. he wished to be a more responsible person

59. What would most likely happen next?

A. Marc would bring his records over to the Lyons’s house.

B. Mr. and Mrs. Tisich would call the police.

C. Marc would join his family for house moving.

D. Mr. and Mrs. Tisich would start searching for Marc.

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