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More than how much money comes in it's a matter of how you spend it.That's whe

More than how much money comes in it's a matter of how you spend it.That's where budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"?

A.Honest

B.Mild

C.Average.

D.Large

2.How many ways of finance management does the author mainly mention?()

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family?()

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt?()

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about?()

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money

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更多“More than how much money comes…”相关的问题
第1题
Don’t () how much you can get done in a day, because many things take more time than we expect.

A.expect

B.estimate

C.overestimate

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第2题
Regarding the control process, what is measured is ______________ than how we measure

A.less important

B.equally important

C.much less important

D.more important

E.five times more important

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第3题
He was much more thorough in his studies than the rest of his class and it was for thi
s reason()he made such great progress.

A、why

B、how

C、that

D、for

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第4题
A budget(预算)is a spending plan.It can help you spend money wisely.It can do this by cu
tting out wasteful spending.Of course,preparing a budget takes planning,and following a budget takes willpower(自制力).Your budget should meet your family’s needs and income.

The first step in creating a budget is to set your goals.What does your family needand want?You must know all that to work out the details of the budget.Never spend more than you can.Then decide which goals are the most important.

The next step is estimating(估计)family income.Before you can plan wisely,you need to know how much money you have to spend!Write down aqll themoney you expect to receive(wages,saving,interest,etc.) during the planned budget period.

After you have calculated (计算)how much money will be available,it is time to estimate expenses(开销、支出).List all of your family expenses.

If you are not satisfied with what you got for your money,look carefully at your spending.Studying your records will show where overspending has occerred.It will also point out poor buying habits.

It is also a good idea to set aside a small amount of money for emergencies.Every family has emergencies:a blown tire,a broken device,or the need for medical care.

51.According to the passage,what is the advantage of a budget?

A.It can help you set your goals clearly.

B.It can help you save a lot of money.

C.It can help you get rid of poor buying habits.

D.It can help you spend money wisely.

52.In carrying out your budget,you need ___.

A.to have the ability to control yourself

B.to ask your family members for advice

C.to cut it down as much as possible

D.to take care not to buy expensive things

53.Accordingiy,one advantage of keeping a record of your spending is that ___.

A.you will remember how much you have already spent

B.you will know if you have spent more money than you planned

C.you will be able to tell your family what should not be bought

D.you will learn how to make a better budget next time

54.The writer suggests that it is a good idea to set aside some money because ___.

A.you probably will not be able to follow your budget

B.people usually spend more than they plan to do

C.one can hardly plan everything in advance

D.others may want to borrow some money from you

55.This passage is mainly about ___.

A.the meaning of a budget B.the relation between budget and income

C.the way a budget is made D.the importance of making a budget

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第5题
How to Present Business CardsBusiness cards are less important in American culture than
How to Present Business Cards

Business cards are less important in American culture than they are in Asian culture. But knowing the right way to handle business cards is a useful skill wherever you are.

Requesting someone's business card is a straightforward(直截了当的、坦率的)process. You need only say: "Do you have a business card?" or "May I have your business card?"

When you want to present your own card, you can say, "Here's my card. Feel free to call me if you have any other questions." Or, you might say, "Please send the information to this address. I look forward to hearing from you soon."

It's not polite to directly refuse a request from someone for your business card. Instead, you can say, "Sorry, but I'm afraid I'm all out at the moment." or "l forgot to bring them with me."

When you do receive a card, say "Thank you" and examine it briefly before putting it away.

1.In America,().

A.one does not use business cards

B.one uses business cards everywhere

C.one uses business cards but not as often as one does in Asia

D.one uses business cards much more often than one does in Asia

2.If you know how to handle business cards, you will().

A.be absolutely successful

B.get help from others

C.make everybody happy

D.find the knowledge helpful

3.To politely refuse a request for business cards, you may say the following except().

A.Sorry, but I can't satisfy you

B.Sorry, but I'm afraid I’m all out at the moment

C.I forgot to bring them with me

D.Sorry, but I don't have a business card

4.From the passage we can infer that().

A.business cards are the key to success

B.business cards should be beautifully designed

C.you should always carry your business cards

D.handling business cards skillfully is important

5.The word “examine” (Line 1, Para. 5) is closest in meaning to().

A.search for

B.test

C.look at

D.research

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第6题
听力原文:M: Jane, it comes a bit of surprise. You know how much I value your work. Could y
ou tell me why are you leaving?

W: To be honest, I want to work in a company with higher pay and more chance for promotion.

M: I am sorry to hear that. You know our company is a newly-built one. Things will go better with development.

W: Maybe. Thank you for your help, but I still want to leave the company to seek development.

What are they talking about in the dialog?

A.Development

B.Resignation

C.Promotion

D.Payment

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第7题
Paper--More than Meets the EyeA) We are surrounded by so much paper and card that it is ea

Paper--More than Meets the Eye

A) We are surrounded by so much paper and card that it is easy to forget just how complex it is. There are many varieties and grades of paper materials, and whilst it is fairly easy to spot the varieties, it is far more difficult to spot the grades.

B) It needs to be understood that most paper and card is manufactured for a specific purpose, so that whilst the corn-flake packet may look smart, it is clearly not something destined for the archives. It is made to look good, but only needs a limited life span. It is also much cheaper to manufacture than high grade card.

C) Paper can be made from an almost endless variety of cellulose-based material which will include many woods, cottons and grasses or which papyrus is an example and from where we get the word "paper". Many of these are very specialized, but the preponderance of paper making has been from soft wood and cotton or rags, with the bulk being wood-based.

Paper from Wood

D) In order to make wood into paper it needs to be broken down into fine strands. Firstly by powerful machinery and then boiled with strong alkalies such as caustic soda, until a fine pulp of cellulose fibers is produced. It is from this pulp that the final product is made, relying on the bonding together of the cellulose into layers. That, in a very small nutshell, is the essence of paper making from wood. However, the reality is rather more complicated. In order to give us our white paper and card, the makers will add bleach and other materials such as china clay and additional chemicals.

E) A further problem with wood is that it contains a material that is not cellulose. Something called lignin. This is essential for the tree since it holds the cellulose fibres together, but if it is incorporated into the manufactured paper it presents archivists with a problem. Lignin eventually breaks down and releases acid products into the paper. This will weaken the bond between the cellulose fibers and the paper will become brittle and look rather brown and careworn. We have all seen this in old newspapers and cheap paperback books. It has been estimated that most paper back books will have a life of not greater than fifty years. Not what we need for our archives.

F) Since the lignin can be removed from the paper pulp during manufacture, the obvious question is "why is it left in the paper?" The answer lies in the fact that lignin makes up a considerable part of the tree. By leaving the lignin in the pulp a papermaker can increase his paper yield from a tree to some 95%. Removing it means a yield of only 35%. It is clearly uneconomic to remove the lignin for many paper and card applications.

G) It also means, of course, that lignin-free paper is going to be more expensive, but that is nevertheless what the archivist must look for in his supplies. There is no point whatsoever in carefully placing our valuable artifacts in paper or card that is going to hasten

their demise. Acid is particularly harmful to photographic materials, causing them to fade and is some cases simply vanish!

H) So, how do we tell a piece of suitable paper or card from one that is unsuitable? You cannot do it by simply looking, and rather disappointingly, you cannot always rely on the label. "Acid-free" might be true inasmuch as a test on the paper may indicate that it is a neutral material at this time. But lignin can take years before it starts the inevitable process of breaking down, and in the right conditions it will speed up enormously.

I) Added to this, as I have indicated earlier, paper may also contain other materials added during manufacture such as bleach, china clay, chemical whiteners and size. This looks like a bleak picture, and it would be but for the fact that there are suppliers who will guarantee the material that they sell. If you want to be absolutely sure that you are storing in, or printing on, the correct material then this is probably the only way.

J) Incidentally, acids can migrate from material to material. Lining old shoe boxes with good quality acid-free paper will do little to guard the contents. The acid will get there in the end.

Paper from Rag

K) Paper is also commonly made from cotton and rag waste. This has the advantage of being lignin-free, but because there is much less cotton and rag than trees, it also tends to be much more expensive than wood pulp paper. You will still need to purchase from a reliable source though, since even rag paper and card can contain undesirable additives.

L) A reliable source for quality rag papers is a recognized art stockiest. Many water color artists insist on using only fine quality rag paper and board.

M) The main lesson to learn from this information is that you cannot rely on purchasing archival materials from the high street. The only safe solution is to purchase from specialist suppliers. It may cost rather more, but in the end you will know that your important and valuable data and images have the best home possible.

1. The corn-flake packet is cheaper than high grade card.

2. There are a lot of materials which can be used for making paper, but the superiority ones are soft wood, cotton and rags.

3. During the whole manufacturing process, the final product is made from a pulp of cellulose fibres.

4. In order to make white paper and card, the makers will add bleach.

5. Liguin is essential for the tree but it will make paper easy to break.

6. Many paper producers will preserve lignin during manufacture, because leaving the lignin will make more paper from a tree.

7. Acid is particularly harmful to photographic materials.

8. If the lignin is removed from the paper, the paper will be more expensive.

9. Although free of lignin, paper made from cotton and rag waste can also cost more money than wood pulp paper because there is much less cotton and rag than trees.

10. What we can learn from "Paper from Rag" is that you had better buy archival materials from specialist suppliers.

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第8题
The price of meat was much more higher than expected.

A.price

B.of

C.more higher

D.expected

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第9题
One of the most successful, influential, and beloved women in American history, Elean
or Roosevelt once said that she had one regret: She wished she had been prettier. Who hasn’t felt the same way? We are all too awake to our physical imperfections. To overcome them, we spend billions upon billions of dollars every year on cosmetics, diet products, fashion, and plastic surgery.

Why do we care so much about how we look? Because it matters. Because beauty is powerful. Because even when we learn to value people mostly for being kind and wise and funny, we are still moved by beauty. No matter how much we argue against it or pretend to be immune, beauty exerts its power over us. There is simply no escape.

Aristotle said, “Beauty is a greater recommendation than any letter of introduction.” It’s not fair, but it’s true. We simply treat beautiful people better than we do others. Attach a photograph of a beautiful author to an essay, and people will think that it is more creative and more intelligently written than exactly the same essay accompanied by the photo of a homely author.

As children, beautiful people are more likely to become favorites with parents and teachers. Later, they’re more likely to get good jobs and promotion. Beautiful lawyers get paid more than their less attractive colleagues. Good-looking criminals are more likely to win the sympathy of judges and juries. Attractive people in need are more likely to receive help from strangers.

(1)Eleanor Roosevelt’s regret shows ().

A、she was one of the most successful, influential, and beloved women in American history

B、she was not pretty

C、she has many regrets

D、even she was pretty, she wanted to be prettier

(2)“It matters” in paragraph 2 line 1 means ().

A、It is a matter

B、It doesn’t matter

C、It is important

D、It is not important

(3)According to paragraph 2 and paragraph 3, which of the following is not true?

A、We learn to value people mostly for being kind and wise and funny.

B、We can be immune to beauty.

C、Aristotle meant beauty is the best recommendation.

D、People think a beautiful author’s essay is more creative and more intelligently written.

(4)Paragraph 4 is written to show ().

A、beauty is powerful

B、beautiful children are favorites with parents and teachers

C、beautiful lawyers get higher pay than their homely colleagues

D、attractive people receive more help from strangers

(5)The word “good -looking” in paragraph 4 line 3 may mean ().

A、beautiful or handsome

B、lovely

C、careful

D、kind-hearted

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第10题
Meat _______ much more easily than vegetables.A、losesB、numerousC、weavesD、decays

A.loses

B.numerous

C.weaves

D.decays

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第11题
If sustainable competitive advantage depends on work force, skills, American firms have a
problem. Human-resource management is not traditionally seen as central to the competitive survival of the firm in the United States. Skill acquisition is considered an individual responsibility. Labor is simply another factor of production to be hired — rented at the lowest possible cost — much as one buys raw materials or equipment.

The lack of importance attached to human-resource management can be seen in the corporate hierarchy. In an American firm the chief financial officer is almost always second in command. The post of head of human-resource management is usually a specialized job, off at the edge of the corporate hierarchy. The executive who holds it is never consulted on major strategic decisions and has no chance to move up to Chief Executive Officer (CEO). By way of contrast, in Japan the head of human-resource management is central — usually the second most important executive, after the CEO, in the firm's hierarchy.

While American firms often talk about the vast amounts spent on training their work forces, in fact they invest less in the skills of their employees than do either Japanese or German firms. The money they do invest is also more highly concentrated on professional and managerial employees. And the limited investments that are made in training workers are also much more narrowly focused on the specific skills necessary to do the next job-rather than on the basic background skills that make it possible to absorb new technologies.

As a result, problems emerge when new breakthrough technologies arrive. If American workers, for example, take much longer to learn how to operate new flexible manufacturing stations than workers in Germany (as they do), the, effective cost of those stations is lower in Germany than it is in the United States. More time is required before equipment is up and running at capacity, and the need for extensive retraining generates costs and creates bottlenecks that limit the speed with which new equipment can be employed. The result is a slower pace of technological change. And in the end the skills of the bottom half of the population affect the wages of the top half. If the bottom half can't effectively staff the processes that have to be operated, the management and professional jobs that go with these processes will disappear.

Which of the following applies to the management of human resources in American companies?

A.They hire people at the lowest cost regardless of their skills.

B.They see the gaining of skills as their employees' own business.

C.They attach more importance to workers than to equipment.

D.They only hire skilled workers because of keen competition.

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