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Personal Finance
When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money.
I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems.
This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.

[单选题] Dream for Better We all have plans and dreams for a better, more ___1___ life. Yet only a small percentage of people actually achieve their ___2___ .A good question is: why? Recently, I was working with a young man who was ___3___ get on his feet. He had written out his goals, and he had powerful reasons why he wanted to achieve these goals. But after weeks of trying, he was still not much further along. So we took some time to try to understand what was holding him ___4___ .As we examined his average day, it became apparent to me that he was much too ___5__ .He was spending lots of time doing lots of different things. I ___6___ that most of what he was doing was not very important in the greater scheme of things. We did some exercises to ___7___ which activities were important, which ones were urgent and which ones was filling (or killing) time. As it turned out, most of the things he was doing throughout the day were filling time. He wasn't comfortable ___8___ he was very busy, so he created things that needed to be done. He was always working on something—yet at the end of the day, he had rarely accomplished any tasks to move him closer to the life he wanted. This behavior is fairly easy for an outside observer to spot but extremely difficult to self-diagnose. The ___9___ is to slow down and get comfortable with being still, with contemplating what we really want and whether our actions are suitable for our goals. Many of our activities are avoidance activities: we do things to fill up the time and thus avoid having to do more difficult tasks. It wasn't easy, but once the young man finally accepted that he needed to do less overall but more of the important things, his life took a dramatic ___10___ for the better. ___9___内的正确选项为（）

[单选题] 300 Hurdles Now comes the first hurdle. __1__ We all make it over this hurdle with ease. This symbolizes. Those obstacles in life that we struggle to get over, but we always manage to do so. You can look at that hurdle in two ways: "I can’t make it over, I’m too tired" or "I am one more hurdle closer to finishing this race". This is an example of taking a negative situation and seeing something positive in it. The next part of the race is every hurdle between the first and last one. __2__ This happens a lot in life too. There may be a situation that arises where you feel as though you can’t make it and all you can think about is giving up. You may fall over that "hurdle" or struggle getting over it, but somehow you find it in yourself to jump over it and move on with the race. Next is that last 100m of the race. You feel as though you just want to say, "No I can't do this." __3__. Now lastly is the last hurdle. This hurdle is the toughest out of all of them. In life we find ourselves falling and falling, and maybe getting too lost in our problems that we fell like have been though enough and there’s no hope. __4__ It's one step close to the end of the race. Once you finish, you look back on it and you realize that you made it not by leaping, but step by step. "Yard by yard, life is very hard. But inch by inch, life can be a cinch."__5__. __5__内应选（）

[单选题] Moderate Earthquake Strikes England A moderate earthquake struck parts of southeast England on 28 April 2007, toppling chimneys from houses and rousing residents from their beds. Several thousand people were left without power in Kent County. One woman suffered minor head and neck injuries. "It felt as if the whole house was being slid across like a fun-fair ride," said the woman. The British Geological Survey said the 4. 3-magnitude quake struck at 8:19 a.m. and was centered under the English Channel, about 8.5 miles south of Dover and near the entrance to the Channel Tunnel. Witnesses said cracks appeared in walls and chimneys collapsed across the county. Residents said the tremor had lasted for about 10 to 15 seconds. "I was lying in bed and it felt as if someone had just got up from bed next to me." said Hendrick van Eck, 27, of Canterbury about 60 miles southeast of London. "I then heard the sound of cracking, and it was getting heavier and heavier. It felt as if someone was at the end of my bed hopping up and down." There are thousands of moderate quakes on this scale around the world each year, but they are rare in Britain. The April 28 quake was the strongest in Britain since 2002 when a 4.8-magnitude quake struck the central England city of Birmingham. The country's strongest earthquake took place in the North Sea in 1931, measuring 6.1 on the Richter scale. British Geological Survey scientist Roger Musson said the quake took place on 28 April in an area that had seen several of the biggest earthquakes ever to strike Britain, including one in 1580 that caused damage in London and was felt in France. Musson predicted that it was only a matter of time before another earthquake struck this part of England. However, people should not be scared too much by this prediction, Musson said, as the modern earthquake warning system of Britain should be able to detect a forthcoming quake and announce it several hours before it takes place. This would allow time for people to evacuate and reduce damage to the minimum. The country′s strongest earthquake took place in London in 1580.（）

[单选题] Boredom at Work ① You might find yourself staring at the clock, willing it to move faster so the boring workday will finally end. If your job offers little in the way of stimulation, there are steps you can take inside and outside the workplace. ② If you're bored with your job, it could be a sign that you've mastered the basic requirements and are ready for more of a challenge. You might not have been in your position long enough to request a promotion. Still, you can take steps to enhance your current role. Ask your boss if there are any projects you can help with. Volunteer to train less experienced colleagues. You'll feel more stimulated at work and also increase your chances of future advancement. ③ If you feel there is nothing left to learn in your present position, take steps to increase your knowledge. Your company's website might have online courses you can take during your slow periods, with your manager's permission. Enroll in training classes your company offers in areas that interest you. You also can pursue educational opportunities outside of the workplace, such as college classes, industry-specific training programs or self-improvement courses. If the knowledge you acquire doesn't help you in your present position, it might eventually help you move into a more fulfilling position. ④ Look for ways to challenge yourself. If your job involves performing repetitive tasks, set a quota for the number of times you can accomplish a particular task during the course of a shift. This will give you something to shoot for. If you have co-workers who perform the same tasks, make a friendly wager to see who can do the most. You'll form stronger bonds with your colleagues, and your employer is likely to notice your increased productivity. ⑤ According to psychotherapist and career coach Nina Ham, boredom at work might be a symptom of dissatisfaction with your personal life. Finding sources of stimulation outside of work can have a positive impact on your attitude toward your job. Seeking counseling for an emotional issue can also be of benefit. If your personal life is going well and nothing you try seems to improve your engagement level at work, it might be time to consider a job or even a career change. If you′re bored with your job, it shows that you′ve mastered（）

[单选题] As Christmas is coming, there are presents to be bought, cards to be sent, and rooms to be cleaned. Parents are ___1___ with difficult jobs of hiding presents from curious young children. If the gifts are large, this is sometimes a real ___2___. On Christmas Eve, young children find the excitement almost unbearable. They are torn between the wish to go to bed early so that Father Christmas will bring their presents quickly and the wish to stay up late so that they will not miss the fun. The wish for gifts usually proves stronger. But though children go to bed early, they often lie awake for a long time, hoping to get a short ___3___ at Father Christmas. Last Christmas, my wife and I successfully hid a few large presents in the storeroom. I ___4___ the moment when my son, Jimmy, would ask me where that new bike had come from, but ___5___ he did not see it. On Christmas Eve, it took the children hours to go to sleep. It must have been nearly ___6___ when my wife and I went quietly into their room and began filling stockings. Then I pushed in the ___7___ I bought for Jimmy and left it beside the Christmas tree. We knew we would not get much sleep that night, for the children were ___8___ to get up early. At about five o’clock the next morning, we were woken by loud sounds coming from the children’s room — they were shouting excitedly! Before I had time to get out of bed, young Jimmy came riding into the room on his new bike, and his sister, Mary, followed close behind pushing her new baby carriage. Even the baby arrived. He moved ___9___ the hands and knees into the room dragging a large balloon behind him. Suddenly it burst. That woke us up ___10___. The day had really begun with a band! ___5___内应选（）

[简答题] 短文写作健康一直是人们关注的问题，请根据下面结构，以健康为题，谈谈你的看法：保持健康的重要性：(你的看法) 保持健康的方法： 1. 多吃水果蔬菜，保持饮食平衡，避免含糖高、脂肪高的食物； 2. 多锻炼，健身强体； 3. 摈弃不良习惯。保持健康的结论：(你的看法) 要求：1. 可适当增加所给内容，不可逐条翻译；2. 词数：150左右。

[单选题] Learn from Mistakes You can only learn from a mistake after you （1） you’ve made it. As soon as you start blaming other people (or the universe itself) you distance yourself （2）any possible lesson. But if you courageously stand up and honestly say “This is my mistake and I am responsible” the possibilities for learning will move towards you. Admission of a mistake, even if only privately to yourself, makes learning （3）by moving the focus away from blame assignment and towards understanding. This advice （4）counter to the cultural assumptions we have about mistakes and failure, namely that they are （5） things. We’re taught in school, in our families, or at work to feel guilty about failure and to do whatever we can to （6）mistakes. This sense of shame explains why many people give up on their goals: they’re not （7） for the mistakes and failures What’s missing in many people’s beliefs about success is the fact that the more （8）the goal, the more frequent and difficult setbacks will be. The larger your ambitions, the more dependent you will be on your ability to overcome and learn from your mistakes. But for many reasons admitting mistakes is difficult. An implied value in many cultures is that our work represents us: if you fail a test, then you are a （9）. If you make a mistake then you are a mistake. Learning from mistakes requires three things: putting yourself in situations where you can make interesting mistakes; having the self-confidence to admit to them; being （10）about making changes. （9）内应选（）

[题干]

Learn from Mistakes
You can only learn from a mistake after you （1） you’ve made it. As soon as you start blaming other people (or the universe itself) you distance yourself （2）any possible lesson. But if you courageously stand up and honestly say “This is my mistake and I am responsible” the possibilities for learning will move towards you. Admission of a mistake, even if only privately to yourself, makes learning （3）by moving the focus away from blame assignment and towards understanding.
This advice （4）counter to the cultural assumptions we have about mistakes and failure, namely that they are （5） things. We’re taught in school, in our families, or at work to feel guilty about failure and to do whatever we can to （6）mistakes. This sense of shame explains why many people give up on their goals: they’re not （7） for the mistakes and failures What’s missing in many people’s beliefs about success is the fact that the more （8）the goal, the more frequent and difficult setbacks will be. The larger your ambitions, the more dependent you will be on your ability to overcome and learn from your mistakes.
But for many reasons admitting mistakes is difficult. An implied value in many cultures is that our work represents us: if you fail a test, then you are a （9）. If you make a mistake then you are a mistake. Learning from mistakes requires three things: putting yourself in situations where you can make interesting mistakes; having the self-confidence to admit to them; being （10）about making changes.

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