When you find it impossible to save mo...

填空题Hints and Tips to Save Money
A. Spend less. This is not oversimplifying the best way to save money! It is essential if you are serious about being a long-term money saver. Review what you spend and look at ways you can save money. Consider making telephone calls for instance only at off-peak times. Do you really need to have newspapers and magazines delivered Can you do without those coffees you buy at break time every day—would a flask of coffee taken to work save you money What about using the public lending library instead of buying books or music CDs Once you start looking for ways to spend less you will quickly become an expert and really save money.
B. Establish a personal budget. This is essential for families and individuals. You will not be able to save money unless you know how much money you have coming in, and how much money you have going out. Once you have prepared a budget of incoming money and outgoing money, you will be able to identify areas where you can save. It is MUCH more difficult to save money over a long period of time (the rest of your life) without a budget.
C. Bulk is good. Think about shopping and buying in bulk. You can also save money by cooking in bulk. This is a real way you can save money with little preparation and almost no extra outlay. Always purchase in bulk when you can. Prepared foods and convenience foods will always be much more expensive than all the ingredients needed to make the food. Preparing food in bulk and in advance also gives you the opportunity to plan ahead and be more accurate in your budget. Save money by buying in bulk whenever you can. One thing to be aware of when buying in bulk is to be sure that any product you buy will get used before it goes bad—you won’t save money ff you have to throw stuff away. Buying in bulk is not only a good way to save money it is also a good strategy for coping with and surviving emergencies.
D. Make sure a sale is a sale. By this I mean do your price research before you commit to making an expensive purchase in a retailers money-off sale. You have to be sure the sale really is a sale and not a creative marketing strategy of the store to encourage you to spend your money without thinking. Once you have researched the true price of a product (any product) you are in a good position to take advantage of a sale, special offer or discount and really save money. "Buy one get one free", "50% off", and "Huge Discount" will only help you save money if the actual price you pay is lower than you would pay somewhere else for exactly the same product.
E. Buy used. Sure, we all like to buy new. But there are huge money savings to be made in buying used. Typically cars lose one-third of their value in the first 24 months from new. Why not buy a car 24 months old Other items such as clothes can be worth even less just the day after new. Look for ways to buy "as good as new" items and save money. Typical products you might consider buying used to save money include: cars, clothes, electrical goods, garden items...tools and sheds, household items... pots and pans—the list of used goods where you can save money is endless.
F. Don’t carry excessive debt. Some debt in our lives may be essential. We may need a mortgage (抵押) to purchase a home, we may need to use our credit card to make purchases until payday, but your aim to save money should be to have as little debt as possible. Credit card debt is typically the most expensive debt we may carry. You will be able to save money every month if you make it an absolute rule to pay off your outstanding balance every month. If you can have the discipline to do this you will save money by effectively having no debt, and thus no interest charge on your credit card(s).
G. Save money fast. No, I mean really save some money. Each week or each month get into the habit of putting an amount, however small into your savings. You could start by saving a very small fixed amount each time and then move to putting in larger amounts once you begin to save money from your other money saving strategies. You will find that by saving money on a regular basis you will quickly build up a store of reserve money and also feel motivated to save more. The hardest part is to take the first step and start saving money—so START TODAY and save some money NOW! If you find it impossible to save money once you have it, consider having money deducted from your paycheck direct each month. This can be a great way to save money rapidly as once it is set up you will not notice it is being collected and your savings will grow with no more effort from you.
H. Shop wisely. Consider markets, superstores, farmer’s markets, local shops, malls and stores. Anywhere is worth checking out to see if you can save money. Farmer’s markets can be particularly good places to save money. Typically you are buying direct from the producer of the product so the savings are passed on to you. Use your bulk buying strategy here—farmer’s markets often offer opportunities to save money by buying larger quantities of food, for instance potatoes, rice or corn. Save money and shop wisely.
I. Eat in rather than out. This is a huge area where you can save money. A cup of coffee taken out could easily cost you TWENTY times (or more) what it would cost you to make it at home. So think before you drink when you are out. Eating is the same. Fast food restaurants are counting on your eating food that you perhaps don’t really need at that time but buy just because it is quick. Why not wait until you get home and have a more nutritious meal and save money at the same time
J. Use less. This money saving tip is a lesson we all need to learn. We live in a consumer society where waste is a huge problem, if we could all use and consume less there would be less waste, less power consumption, and the benefits for you are SAVING MONEY. Consider using less shampoo when you wash your hair, this may not mean washing your hair less effectively but it means not flushing the excess shampoo and your money down the drain. What about saving on heating Turn the thermostat (恒温器) down or put on extra clothes when you are cold. Turn off lights, the TV and the computer when they are not in use. Each little saving you make will build up and enable you to save money. Huge savings in energy can be made which will save you money and be good for our planet and the other people on it.
When you find it impossible to save money once you have it, you can deduct it from your paycheck direct each month.

参考答案：G

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1.单项选择题 Some Americans are a little nervous about the nation’s future, but others feel secure, knowing that the man they consider the most powerful person in the world isn’t going anywhere.
Just who is this behind-the-scenes guy they think has more power than George W. Bush ever will He’s Alan Greenspan, a 74-year-old expert economist who heads the Federal Reserve, commonly known as the Fed. Unlike the president, who has to please the voters and compromise with Congress, Greenspan doesn’t have to answer to anyone.
But that doesn’t mean his job is easy.
Basically, Greenspan is in charge of keeping the nation’s economy stable. The economy is sort of like a balloon: blow in too much air, and it pops. But with too little air, it falls to the floor. Greenspan helps decide when to blow more air into the economy. In this case, the air in a balloon is the amount of money in the economy. Greenspan can make the economy grow by increasing the money supply, or keep the economy from inflating too much by decreasing the money supply. His goal is for the economy to grow and contract gradually. Rapid changes can harm businesses and consumers.
After years of very nigh growth, the American economy is starting to slow down. Recently, corporations have been making less money and people are starting to have a harder time finding jobs. Greenspan is hoping to ease the economy into a soft landing. It’s just like to make the car come to a gentle stop instead of hitting a brick wall. If he succeeds, the country will avoid two possible problems: rising prices and high unemployment.
At the Fed’s meeting, Greenspan and the other members decided that the economy was growing at an OK rate, but that there is a possibility of a serious slowdown, and in order to solve that, they could lower interest rates at the next meeting in an attempt to encourage people to borrow and spend.
While there’s no way to know what they will decide, one thing is certain: the decisions that Greenspan and the Federal Reserve Board make will affect everyone who earns, borrows or spends money.
It is certain that Greenspan（）

A. is more powerful than George W. Bush
B. has to answer to someone in the government
C. is an expert economist directing the Federal Reserve
D. has to please the voters and compromise with Congress

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2.填空题Academy Award nominees who go home empty-handed may not have a shiny Oscar to show off, but they may turn out to be the bigger winners in the game of life.
According to a study published in British Medical Journal on December 21, Oscar-winning screenwriters are more successful, more productive, and more (1) than losing nominees; however, they die sooner by about four years.
Because success is usually linked to better health, "this is the first (2) ever that success is not associated with improved (3) ," says Donald Redelmeier, lead author of the study.
Researchers (4) down information about every person who was ever nominated for an Oscar since the awards were first handed out 73 years ago.
To explain the (5) findings, he offers two theories. The first is the "work-to-death hypothesis."
According to Redelmeier, screenwriters are more (6) to lead unhealthy lifestyles, meaning they smoke more, exercise less, and work a lot of late-night hours, which translates into not enough sleep.
Screenwriters don’t have a boss to report to, which brings into (7) Redelmeier’s second explanation, the "party-hearty hypothesis."
"When you become a successful screenwriter, you gain status without daily accountability, and as a (8) your success may lead you to more alcohol, more parties, and more obesity," he says.
Redelmeier hopes his study will (9) how important it is to lead a healthy lifestyle.
"The bottom line," he says, "is that greater success may (10) lead to worse health if people fail to look after themselves."
A. longevity B. flourish C. apt D. sometimes
E. tracked F. respected G. account H. miracle
I. occupation J. puzzling K. stress L. consequence
M. internal N. fairly O. restrained

参考答案：F

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