How to Make a Budget

Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly allowance (零花钱) would put some money in your pocket. For kids and grown-ups alike, money is easy to spend. If you aren’t careful, it can be gone in no time.

Being responsible with your money is an important skill to learn ----and the sooner you start the better. Whether you are tracking your spending or saving for something special, creating a budget can help you deal with your expenses and plan for the future. All you need are paper and a pencil --- and some self-control.

First, take a look at our sample monthly budget. Then, use a separate sheet of paper to plan your own. In the first two columns (栏), list your sources (来源) of income and how much you expect to earn from them. In the third and fourth columns, list what you expect to spend your money on and the amount.

The left-hand total should be more than or equal to the right-hand total. If it is, you have an effective budget.

Sample Monthly Budget

Budgets are not complex, but sticking to them can be tough. When planning your budget, be

realistic about your expenses. If you know that you drop $18 at a movie, don’t write $12 in

that space simply because you wish you were spending less

If you are eyeing a big purchase, such as a $150 skateboard, spend less and save more until you have the total amount. No matter how attractive it may be, avoid spending your savings. One day, you will thank yourself!

Who is the passage written for?w

   A. Children.      B. Parents.        C. Breadwinners.       D. Bank managers.

The purpose of making a budget is to help people _________.

   A. learn to be realistic             B. increase their saving

   C. manage their money well        D. test their power-control

What should people do when planning a budget?w

   A. Fill in the expenses as they really are.

   B. Avoid spending money on expensive things.

   C. Set aside a fixed amount of money as savings.

   D. List income and expenses on two pieces of paper.

Which of the following budgets is effective?

   A.

B.

C.

D.

How to Make a Budget(预算)

Most likely, you aren’t the family breadwinner. But doing a small job or getting a weekly allowance(零花钱) would put some money in your pocket. For kids and grown-ups alike, money is easy to spend. If you aren’t careful, it can be gone in no time.

Being responsible with your money is an important skill to learn－and the sooner you start the better. Whether you are tracking your spending or saving for something special, creating a budget can help you deal with your expenses and plan for the future. All you need are paper and a pencil－and some self-control.

First, take a look at our sample monthly budget. Then, use a separate sheet of paper to plan your own. In the first two columns(栏), list your sources(来源) of income and how much you expect to earn form them. In the third and fourth columns, list what you expect to spend your money on and the amount.

The left-hand total should be more than or equal to the right-hand total. If it is, you have an effective budget.

Budgets are not complex, but sticking to them can be tough. When planning your budget, be realistic about your expenses. If you know that you drop $ 18 at a movie, don’t write $ 12 in that space simply because you wish you were spending less.

If you are eyeing a big purchase, such as a $ 150 skateboard, spend less and save more until you have the total amount. No matter how attractive it may be, avoid spending your savings. One day, you will thank yourself?

56．Who is the passage written for?

       A．Children                                       B．Parents.

       C．Breadwinners.                              D．Bank managers.

57．The purpose of making a budget is to help people __________.

       A．learn to be realistic

       B．increase their savings

       C．manage their money well

       D．test their power of self-control

58．What should people do when planning a budget?

       A．Fill in the expenses as they really are.

       B．Avoid spending money on expensive things.

       C．Set aside a fixed amount of money as savings.

       D．List income and expenses on two pieces of paper.

59．Which of the following budgets is effective?

How to Be Polite at a Dinner Party?
It’s not polite to arrive at a dinner more than 15 to 20 minutes late. The host or hostess usually waits for all the   21  to arrive before serving the meal. If someone is late，the food may be spoiled(变味)，and   22  may the host or hostess’ spirits．If you have to be  23  ， call and tell them to start   24  you．
It’s even worse to be early! The host or hostess will probably not be   25  ．If you are early，drive or walk around the block a few times，or just sit in your car until the right time．
    Though it’s often   26  to arrive at a party on time，on the other hand，the host or hostess  27   guests to arrive and leave between certain times，so you can  28  at any time between the times he or she gives you．
It’s nice to bring an empty stomach，but it’s even nicer to bring  29  present．The present should not cost a lot，or you might make the host or hostess  30   ．Flowers，wine，or a box of candy will be fine．  31  bring money as a present．In an introduction，the 32  of a name is：(1)the given name；(2)the family name．In other   33  ，the given name comes   34  . It’s important not only to learn and remember  35  ，but to repeat them often in conversation．After the introduction，we usually call friends by their  36  names．Older people may want you to call them by their titles and family names，such as “Mrs. Smith”，“Mr. Johnosn”，“Dr .Brown”.
A maiden(闺女)name is a   37  family name at birth. In the United States and Canada，after a woman   38  ，she takes the family name of her  39  in place of her maiden name．It is now becoming common，however，for women to 40  their maiden names after they get married,
【小题1】.

A．tired

B． hungry

C．1ate

D．early

A．play

B．fly

C．arrive

D．start

A．spelling

B．calling

C．order

D． pronunciation

A．gentleman’s

B．boy’s

C．woman’s

D．man’s

  How to make friends with people from a different culture? The rules are as follows:
Appreciate the person
Most Americans like to be recognized as individuals as someone special with unique, personalities. Therefore never say,“you are from America so I want to be your friend.” Also don’t imply that the reason why you approached them is that you wanted someone to practice your English with . That turns people off. Instead try saying,”“you seem like a real nice and interesting person and I would like to get to know you better .’ This way , they are much more inclined to be friendly because you see them as a three dimensional person and appreciate them for who they are in the inside . And by doing so , you not only learn about Americans and practice your English , but also gain a real friend in the process
Quit Calling Us Foreigners.
Please avoid calling a foreigner especially in his face . The word makes people feel like an outsider , and even unwelcome , suggesting separation and insurmountable difference , widening an already existing gap in the situation. When Americans travel , they rarely say,“I’m foreign to your place .” They tend to say ,”I’m new in town . I’m new here.” The reason is because new and unfamiliar things can become old and familiar. But can foreign things become native? You catch my drift.
Just Do It .
Some students like to be told about American culture but are less interested in spending the time and effort to actually experience it .As Americans always say ,“get your hands dirty.” You should have first hands on experience, or you will never really know anything.
Find that Common Language.
Now I just must stress the importance of finding a common language. By that I don’t mean English, Chinese , German ,French,etc. I mean finding something you have in common with another person on a spiritual and philosophical level: likes , dislikes, worldviews, ways of thinking and attitudes toward life. And to start , you must first enhance your knowledge of the particular culture from which your potential
【小题1】 The underlined sentence“get your hands dirty” means     .
A get involved   B talk about American culture    C star with dirty work   D Don’t wash your hands too often
【小题2】 Americans prefer to make friends with those who    .
A  avoid talking about their homeland     B  recognize their personalities
C  obey rules of communicating with friends   D  needn’t practice English while playing together
【小题3】According to the passage , which of the following is friendly?
A   I am longing to make friends with an American.
B   This is my friend Tom , who is a foreigner.
C   There must be a gap between us in many things.
D   You ‘ve  got a great personality
【小题4】  In the last paragraph , the author suggests we should   
A  Learn at least one foreign language well
Bfind common interests or opinions with our potential new friend
C make sure we can understand each other
D ask where our potential new friends come from

How to Keep Your Job for a Long Time
Work Hard.
Many bosses don’t mind you spending a little time on some little things，but they do focus on your job attitude and the wealth you can create for this company. When it comes to making lay­off decisions，the company will also choose the most productive employees to keep the job instead of the workers who are always late to work，leave early every day and do nothing important to the company.【小题1】________
Be a Team Player.
【小题2】________As an employee，you should work in a team with others，and learn from others. You should get along well with others.
Be Flexible.
【小题3】________When the company needs someone to change shifts，work weekends，put in some overtime，or work a different schedule，you can think about it if your personal schedule permits.
【小题4】________
You should be making yourself available to take on some additional tasks or help with projects that you might not have otherwise had to do. Maybe there is no additional pay，but it is also very helpful to increase your own value. Maybe due to this additional help，your boss begins to take advantage of you and give you more important work.
Don’t Complain.
If you don’t like your job，I can guarantee there are plenty of other people who would jump at the chance to get it. You should be really careful about complaining.【小题5】_______