Want to be smarter with your money? Here’s how.

       1.   Many kids quickly spend every dollar they receive, while others save their money, rarely buying anything. But what you want is a balance between saving and spending. Consider the 25--50--25 rule. Out of every dollar you receive, allow yourself to spend 25cents to buy gifts for family or give to charities.

  2.   The T--shirt looks so cool in the store. But when you get it home, you wonder why you wasted your money. Sound familiar? This often happens with impulse purchases(冲定性购买). Advice: Rather than buying the T--shirt right away, spend a few days thinking about whether it’s really the best use for your money.

Challenge yourself. It’s hard to save money just for the sake of saving money.   3.__  Suppose you want a skateboard. Find out how much it costs and then decide how much you will save each week.   4.  That will make you even more determined to stick with it.

Prove your worth. Want your parents to give you more pocket money? Sure, it helps to do some housework and get good grades.   5.   If you show you are a good saver and a careful spender, your parents are more likely to trust you with more pocket money.

A. Wait a week.

B. Keep your balance.

C. Stop buying cloths.

D. What you need are goals.

E. But the real key is to prove you know how to handle money.

F. You might even tell your parents and friends about your plan.

G. Form a good habit of saving money whenever it is possible.

 

A few years ago, I took a sightseeing trip to Washington, D.C.Standing outside the Ronald Reagan Center, I heard a voice say, “Can you help me?” When I turned around, I saw an elderly blind woman with her hand extended.In a natural reflex (反应), I reached into my pocket, pulled out all of my loose change and placed it on her hand without even looking at her.I was annoyed at being bothered by a beggar.But the blind woman smiled and said, “I don’t want your money.I just need help finding the post office.

In an instant, I realized what I had done.I judged another person simply for what I assumed she had to be.I hated what I saw in myself.This incident re-awakened my belief in humility (谦恭), even though I’d lost it for a moment.

The thing I had forgotten about myself is that I am an immigrant.I left Honduras and arrived in the U.S.at the age of 15.I started my new life with two suitcases, my brother and sister, and a strong, serious-minded mother.Through the years, I have been a dishwasher, mechanic and pizza delivery driver among many other humble jobs, and eventually I became a network engineer.

In my own life, I have experienced many open acts of prejudice (偏见).I remember a time, at age 17 — I worked as a waiter, and I heard a father tell his little boy that if he did not do well in school, he would end up like me.I have also witnessed the same treatment of my family and friends, so I know what it’s like, and I should have known better.

    But now, living in my American middle-class lifestyle, it is too easy to forget my past, to forget who I am and where I have been, and to lose sight of where I want to be going.That blind woman on the streets of Washington, D.C., cured me of my blindness.She reminded me of my belief in humility and to always keep my eyes and heart open.By the way, I helped that lady to the post office.And in writing this essay, I hope to thank her for the priceless lesson.

1.We can learn from the first two paragraphs that____________________.

A.the author regretted his act of prejudice

B.the blind woman needed the money badly

C.the author was as poor as the blind woman

D.the author was a native American

2.According to Paragraph 4, hearing the father’s words, the author was probably_____.

A.rather hurt     B.very excited     C.deeply moved      D.greatly inspired

3.According to the passage, the author probably agrees that one should________.

A.be nice to the elderly and the disabled

B.try to experience different kinds of life

C.treat others equally with love and respect

D.think about one’s past as often as possible

4.Which of the following can be the best title for the passage?

A.Learn from Your Past               B.How My Dream Comes True

C.A Belief That Will Never Change      D.A Priceless Lesson in the Street

 

Have you ever wondered why birds sing? Maybe you thought that they were just happy.After all,you probably sing or whistle when you are happy.

Some scientists believe that birds do sing some of the time just because they are happy.However,they sing most of the time for a very different reason.Their singing is actually a warning to other birds to stay out of their territory

Do you know what a “territory” is? A territory is an area that an animal,usually the male,claims(声称)as its own.Only he and his family are welcome there.No other families 0f the same species(物种)are welcome.Your yard and house are your territory where only your family and friends are welcome.If a stranger should enter your territory and threaten you,you might shout.Probably this would be enough to frighten him away.

If so,you have actually scared the stranger away without having to fight him.A bird does the same thing。But he expects an outsider almost any time,especially at nesting(筑巢) season.So he is screaming all the time,whether he can see an outsider or not This screaming is what we call a bird’s song,and it is usually enough to keep an outsider away.

Birds sing loudest in the spring when they are trying to attract a mate and warn others not to enter the territory of theirs.

You can see that birds have a language all their own.Most of it has to do with attracting mates and setting up territories.

1.Some scientists believe that most of the time birds’ singing is actually.

A.an expression of happiness

B.a way of greeting

C.an expression of anger

D.a way of warning

2.What is a bird’s “territory”?

A.A place where families of other species are not accepted.

B.An area which a bird considers to be its own

C.an area for which birds fight against each other.

D.A place where a bird may shout at the top of its Voice.

3.Why do birds keep on singing at nesting season?

A.Because they want to invite more friends

B.Because their singing helps get rid of their fears.

C.Because they want to find outsiders around.

D.Because their singing helps frighten outsiders away.

 

A few years ago, I took a sightseeing trip to Washington, D.C.Standing outside the Ronald Reagan Center, I heard a voice say, “Can you help me?” When I turned around, I saw an elderly blind woman with her hand extended.In a natural reflex, I reached into my pocket, pulled out all of my loose change and placed it on her hand without even looking at her.I was annoyed at being bothered by a beggar.But the blind woman smiled and said, “I don’t want your money.I just need help finding the post office.”

In an instant, I realized what I had done.I judged another person simply for what I assumed she had to be.I hated what I saw in myself.This incident re-awakened my belief in humility(谦恭), even though I’d lost it for a moment.

The thing I had forgotten about myself is that I am an immigrant.I left Honduras and arrived in the U.S.at the age of 15.I started my new life with two suitcases, my brother and sister, and a strong, serious-minded mother.Through the years, I have been a dishwasher, mechanic and pizza delivery driver among many other humble jobs, and eventually I became a network engineer.

In my own life, I have experienced many open acts of prejudice (偏见).I remember a time, at age 17 —— I worked as a waiter, and I heard a father tell his little boy that if he did not do well in school, he would end up like me.I have also witnessed the same treatment of my family and friends, so I know what it’s like, and I should have known better.

But now, living in my American middle-class lifestyle, it is too easy to forget my past, to forget who I am and where I have been, and to lose sight of where I want to be going.That blind woman on the streets of Washington, D.C., cured me of my blindness.She reminded me of my belief in humility and to always keep my eyes and heart open.By the way, I helped that lady to the post office.And in writing this essay, I hope to thank her for the priceless lesson.

1.We can learn from the first two paragraphs that _______.

A.the author regretted his act of prejudice

B.the blind woman needed the money badly

C.the author was as poor as the blind woman

D.the author was a native American

2.According to Paragraph 4, hearing the father’s words, the author was probably _______.

A.rather hurt

B.very excited

C.deeply moved

D.greatly inspired

3.According to the passage, the author probably agrees that one should _______.

A.be nice to the elderly and the disabled

B.try to experience different kinds of life

C.treat others equally with love and respect

D.think about one’s past as often as possible

4.Which of the following can be the best title for the passage?

A.Learn from your past

B.How my dream comes true

C.A Belief that will never change

D.A priceless lesson in the street

 

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