How to Start Your Own Business
I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you.
1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer.
2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics.
3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive.
4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future.

How to Start Your Own Business
I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you.
1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer.
2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics.
3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive.
4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

Materials and Tools for Language Learning
① The range of materials and tools available to help you with your language studies is huge, from dictionaries to language courses. All of them can help you in different ways, and the appropriate use of these materials and courses will make your language learning much easier and more effective.
② Possibly the most useful tools there are for learning a language are dictionaries. Dictionaries come in a number of formats including bilingual, monolingual, illustrated, electronic and online. Bilingual dictionaries are perhaps the most useful ones for beginners and intermediate learners, while monolingual dictionaries, which are designed for native speakers, are also useful for advanced learners. Pocket dictionaries are good for quick reference and easy to carry around. Larger dictionaries are better if you want more definitions, examples of usage, and information about pronunciation, and grammar. Electronic dictionaries are available as handheld units, or as software. Handheld ones are portable, easy and quick to search, and often provide other functions, such as, text-to-speech, voice recognition and speech synthesis organizers, address books. They tend to be rather expensive though. Software dictionaries offer many of the same functions, and can be used on computers, and mobile phones.
③ The traditional courses tend to consist of textbooks containing dialogues, exercises, notes on grammar, and maybe cultural information. Accompanying cassettes, CDs and/or mp3s are often available. Most such courses are intended for complete beginners or people with only minimal knowledge of the language. Intermediate and advanced-level courses are available for some of the popular languages, such as French, German, Italian and Spanish.
④ Audio courses usually consist solely of cassettes or CDs, though some may also include a limited amount of printed material. All dialogues, exercises, instructions and explanations are recorded and the focus of these courses is teaching you to understand and speak the languages. They are very good at teaching you authentic pronunciation and a manageable amount of vocabulary.
⑤ Various computer-aided courses are available on CD-ROMs and DVDs. Each course is different but they generally include dialogues, audio, exercises and tests. Some also include phrasebooks, dictionaries, videos, games and provide online and/or telephone support.

1.Paragraph①（）
2.Paragraph②（）
3.Paragraph③（）
4.Paragraph④（）
5.Paragraph⑤（）
A. What is the function of audio courses?
B. What is the function of flash cards?
C. What is the function of traditional courses?
D. What are the most useful tools for language learning?
E. What is the function of computer-aided courses?
F. What can help you a lot with your language learning?
下列选项正确的是（）。

Income
Income may be national income and personal income. Whereas national income is defined as the total earned income of all the factors of production-namely, profits, interest, rent, wages, and other compensation for labor, personal income may be defined as total money income received by individuals before personal taxes are paid. National income does not equal GNP (Gross National Product) because the factors of production do not receive payment for either capital consumption allowances or indirect business taxes, both of which are included in GNP. The money put aside for capital consumption is for replacement and thus is not counted as income. Indirect taxes include sales taxes, property taxes , and excise taxes that are paid by businesses directly to the government and so reduce the income left to pay for the factors of production. Three-fourths of national income goes for wages, salaries, and other forms of compensation to employees.
Whereas national income shows the income that the factors of production earn, personal income measures the income that individuals or households receive. Corporation profits are included in national income because they are earned. Out of these profits, however, corporation profit taxes must be paid to the government, and some money must be put into the business for expansion. Only that part of profits distributed as dividends goes to the individual; therefore, out of corporation profits only dividends count as personal income. The factors of production earn money for social security and unemployment insurance contributions, but this money goes to government (which is not a factor of production), not to individuals. It is therefore part of national income but not part of personal income.
On the other hand, money received by individuals when they collect social security or unemployment compensation is not money earned but money received. Interest received on government bonds is also in this category, because much of the money received from the sale of bonds went to pay for war production and that production no longer furnishes a service to the economy.
The money people receive as personal income may be either spent or saved. However, not all spending is completely voluntary. A significant portion of our income goes to pay personal taxes. Most workers never receive the money they pay in personal taxes, because it is withheld from their paychecks. The money that individuals are left with after they have met their tax obligations is disposable personal income. Disposable income can be divided between personal consumption expenditures and personal savings. It is important to remember that personal saving is what is left after spending.