Learning to save money when you're young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone __36__. Many people—adults included—do not have a good __37__ of saving for the long run.
I have been _38__ to learn this lesson early because I have had a grass cutting business since I was 10 years old. 39__ the money I make I spend about 10 percent and save the other 90.
Making sure you save and don't spend too much is a good way to __40__ wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to _41__. Young people should __42_ that their teenage years are a great time to begin saving.
If you have a job at high school, you _43__ have fun with some of the money. But you should also save some __44__ it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, __45__ lose the interest you could have earned by saving it.
After high school, college is __46__， with expenses such as food and rent. If you can  __47__ a good percentage of the money you earn as a teen, going to college and buying a house will be much easier. If you are in your thirties without any savings, you will always have to __48__.
Later in life it can be hard to start saving _49__ general  cost of living is more expensive and you may only have enough to pay your _50__. If you want to buy a house and have a family, you need money to start with, which __51__ saving.
Many say money cannot make you happy, and this is true. But money can help you to lead a __52__ life.
Saving early will mean you will have to work for fewer years when you are older. It will also __53___ you to spend time doing the things that you want to do.__54__， it will mean you can live the way you want to without  55__.

【小题12】

A．hold out B．hold up C．hold onto D．hold back

Learning to save money when you're young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone __36__. Many people—adults included—do not have a good __37__ of saving for the long run.

I have been _38__ to learn this lesson early because I have had a grass cutting business since I was 10 years old. 39__ the money I make I spend about 10 percent and save the other 90.

Making sure you save and don't spend too much is a good way to __40__ wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to _41__. Young people should __42_ that their teenage years are a great time to begin saving.

If you have a job at high school, you _43__ have fun with some of the money. But you should also save some __44__ it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, __45__ lose the interest you could have earned by saving it.

After high school, college is __46__， with expenses such as food and rent. If you can  __47__ a good percentage of the money you earn as a teen, going to college and buying a house will be much easier. If you are in your thirties without any savings, you will always have to __48__.

Later in life it can be hard to start saving _49__ general  cost of living is more expensive and you may only have enough to pay your _50__. If you want to buy a house and have a family, you need money to start with, which __51__ saving.

Many say money cannot make you happy, and this is true. But money can help you to lead a __52__ life.

Saving early will mean you will have to work for fewer years when you are older. It will also __53___ you to spend time doing the things that you want to do.__54__， it will mean you can live the way you want to without  55__.

1.A. needs          B. likes            C. arranges     D. expects

2.A. knowledge      B. experience       C. form         D. sense

3.A. foolish            B. fundamental C. lucky        D. grateful

4.A. With           B. Of           C. In               D. From

5.A. divide up          B. build up     C. keep up      D. make up

6.A. break          B. run          C. make             D. grow

7.A. recognize      B. realize          C. research         D. doubt

8.A. must           B. dare         C. should               D. may

9.A. so that            B. in case          C. in that      D. but for

10.A. but               B. and          C. also             D. or

11.A. expensive     B. cheap            C. boring           D. bitter

12.A. hold out          B. hold up      C. hold onto    D. hold back

13.A. survive           B. struggle     C. tolerate         D. die

14.A. if                B. as long as       C. while        D. since

15.A. bills             B. taxes            C. attention            D. consequences

16.A. results from      B. gets from        C. comes from           D. escapes from

17.A. happy         B. simple           C. miserable        D. secure

18.A. forbid            B. allow            C. Advise       D. request

19.A. In addition       B. Above all        C. On the contrary      D. Believe it or not

20.A. consulting        B. worrying     C. resting      D. thinking

Golden Lessons from Steve Jobs

61.____

The only limit of innovation is your imagination. Innovation distinguishes between a leader and a follower. It’s time for you to begin thinking out of the box. If you are involved in a growing industry, think of ways to become more efficient, more customer-friendly, and easier to do business with. And remember that procrastination is not an option here. Start innovating now! 

62.____

Do what you love. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it. Seek out an occupation that gives you a sense of meaning, direction and satisfaction in life. It not only contributes to health and longevity, but also makes you feel better in difficult times. Do you jump out of bed on Monday mornings and look forward to the work week? If the answer is “no”, keep looking, you’ll know when you find it. 

63.____

There’s a phrase in Buddhism, “Beginner’s mind.” It is the kind of mind that can see things as they are, which step by step and in a flash can realize the original nature of everything. Beginner’s mind is Zen practice in action. It is the mind that is innocent of preconceptions and expectations, judgments and prejudices. Think of beginner’s mind as the mind that faces life like a small child, full of curiosity and wonder and amazement. 

64.____

I’m the only person I know that’s lost a quarter of a billion dollars in one year. It’s very character-building. Don’t equate making mistakes with being a mistake. There is no such thing as a successful person who has not failed or made mistakes, there are successful people who made mistakes and changed their lives or performance in response to them, and so got it right the next time. They viewed mistakes as warnings rather than signs of hopeless inadequacy. Never making a mistake means never living life to the full. 

65.____

Don’t be trapped by the results of other people’s thinking. Don’t let the noise of other’s opinions drown out your own inner voice. And most important, have the courage to follow your heart and intuition. They somehow already know what you truly want to become. Everything else is secondary. No doubt, it’s your life and you have every right to spend it in your own individual way without any hurdles or barriers from others. Give yourself a chance to live a life that YOU choose and be your own boss in a fear-free and pressure-free climate. So go ahead, give them a try.

D
There is no doubt about it. The best way to learn new words is to do it unconsciously. I don’t mean while you’re unconscious. I mean while you are unconscious of the fact that it is sinking in.
That is how I learnt the 30,000 words in my vocabulary by living in an English-speaking world, mother tongue. I just pick them up. But the problem is that some of them may be misunderstood. Now, to misunderstand does not mean not to understand. To misunderstand is to understand but incorrectly.
The 5% mislearnt of all the words we “know” will be the least frequently used words, as the more frequently used words are less likely to be mislearnt. Some of the misunderstandings may live with all our lives, without knowing that we got them wrong.
Many English teachers think that this natural method of learning words in one’s own mother tongue can be used for a second language learning. They teach their students how to play the Guessing Game. “There is no time to look up in your dictionaries all the new words you come across,” They will say. “You have to practise guessing what the word means from the context.”
This method of guessing in a second language learning does not work. It may succeed in many cases, but results in hundreds or thousands of wrongly-guessed meanings of words.
And what’s more, there are more separate meanings than there are words themselves. Our learners’ dictionaries usually have many meanings. A good dictionary is what makes self-learning possible.
Don’t guess! Look it up!
67. It is certain that the best way to learn new words is________.
A. to learn them by oneself                           
B. to learn by living in an English-speaking world and using them frequently
C. to guess them from the context
D. to get more separate meanings of each word^
68. The underlined word “them” in paragraph 2 refers to_______.
A. the 30,000 words                        B. English teachers
C. misunderstood words                  D. frequently used words
69. Which of the following is most likely NOT true?
A. Some of the words the writer knows must have been misunderstood.
B. Most of the 30,000 words the writer learned are frequently used ones.
C. How many words the writer got wrong are not known.
D. All the words the writer knows were learned by reading them.
70. It can be inferred that_____________.
A. when somebody is conscious, he or she usually can’t learn new words by heart.
B. We must use the words as often as possible in order to master them.
C. It’s the best way to learn new words that one should only guess their meanings from the context
D. Only dictionaries can help us learn language well.

There is no doubt about it. The best way to learn new words is to do it unconsciously. I don’t mean while you’re unconscious. I mean while you are unconscious of the fact that it is sinking in.
That is how I learnt the 30,000 words in my vocabulary by living in an English-speaking world, mother tongue. I just pick them up. But some of them may be misunderstood. Now, to misunderstand does not mean not to understand. To misunderstand is to understand but incorrectly.
The 5% mislearnt of all the words we “know” will be the least frequently used words, as the more frequently used words are less likely to be mislearnt. Some of the misunderstanding may live with all our lives, without knowing that we got them wrong.
Many English teachers think that this natural method of learning words in one’s own mother tongue can be used for a second language learning. They teach their students how to play the Guessing Game. “There is no time to look up in your dictionaries all the new words you come across,” they will say. “You have to practice guessing what the word means from the context.”
This method of guessing in a second language learning does not work. It may succeed in many cases, but results in hundreds or thousands of wrongly-guessed meanings of words.
And what’s more, there are more separate meanings than there are words themselves. Our learners’ dictionaries usually have many meanings. A good dictionary is what makes self-learning possible.
Don’t guess! Look it up!
【小题1】 It is certain that the best way to learn new words is ______.