ff your child gets a scholarship, the rest of 529 account can be either cashed out or giv
听力原文: Were you the first or the last child in your family? Or were you a middle or an only child? Some people think it matters where you were born in your family. But there are different ideas about what birth order means. Some people say that oldest children are smart and strong-willed. They are very likely to be successful (29) . The reason for this is simple. Parents have a lot of time for their first child; they give him or her a lot of attention. So this child is very likely to do well. An only child will succeed for the same reason. What happens to the other children in the family? Middle children don't get so much attention, so they don't feel that important (30) . If a family has many children, the middle one sometimes gets lost in the crowd. The youngest child, though, often gets special treatment. He or she is the baby. Often this child grows up to be funny and charming. Do you believe these ideas about birth order too? A recent study saw things quite differently. The study found that first children believed in family rules. They didn't take many chances in their lives. They usually followed orders. Rules didn't mean as much to later children in the family. They went out and followed their own ideas. They took chances and they often did better in life (31) .
(30)
A.They strongly believes in family rules.
B.They are very likely to succeed in life.
C.They tend to take responsibility for themselves.
D.They are in the habit of obeying their parents.
听力原文: Were you the first or the last child in you family? Or were you a middle or an only child? Some people think it matters where you were born in your family. But there are different ideas about what birth order means. Some people say that oldest children are smart and strongwilled. They are very likely to be successful. The reason for this is simple: parents have a lot of time for their first child. They give him or her a lot of attention. So this child is likely to do well. An only child will succeed for the same reason. What happens to the other children in the family? Middle children don't get so much attention, so they don't feel that important. If a family has many children, the middle one sometimes gets lost in the crowd. The youngest child, though, often gets special treatment. He or she is the baby. Often this child grows up to be funny and charming. Do you believe this idea of birth order too? A recent study saw things quite differently. The study found that first children believed in family rules. They didn't take many chances in their lives. They usually followed orders. Rules didn't mean as much to later children in the family. They went out and followed their own ideas. They took chances and they often did better in life.
(26)
A.They strongly believe in family rules.
B.They are very likely to succeed in life.
C.They tend to take responsibility for themselves.
D.They are in the habit of obeying their parents.
A、looked down on
B、based on
C、backed off
D、resorted to
I think it quite essential that your child () a foreign language at school.
A.must learn
B.learns
C.learned
D.learn
r parents’ ideas, while at the same time _ _(32)___ their parents’ characteristics.That is to say, the children grow up to _ _(33)___ different views from their parents’, yet to have ___(34)___ personalities.There is a __ _(35)____ going on in the toy world at present over whether children should be ___(36)___ to have war toys.I don’t believe in encouraging war toys, but I do not see any ___(37)___ in forbidding them when I think of the __ (38)___ of my friend Harry.Harry is the __ (39)___ of strict parents who were totally opposed to war.He was never allowed toy soldiers __ (40)___ a boy, never allowed toy guns.Harry grew up and went into the army, becoming a first-class soldier and ___(41)___ all sorts of military honors in a rather fierce unit.He became the opposite in __ (42)___ way of what his parents might have expected __ (43)___ their son.And yet there is a gentleness about Harry which shows a ___(44)____ personality.There is a sympathetic element about the man which I can see __ (45)____ have come from his family.In ___(46)___ of doing things differently from our parents, a lot of the spirits gets passed on.Parents in all conscience have to __(47)___ their children what they believe to be right; but it is not so much your ideas that the children _ (48)___ as your example.Perhaps the best __ (49)__ to teach one’s child gentleness is not to forbid toy guns, but to be gentle in one’s __ (50)___ every day life.
31.A.what
B.it
C.which
D.that
32.A.holding
B.attaining
C.carrying
D.keeping
33.A.give
B.have
C.get
D.grow
34.A.similar
B.identical
C.common
D.ordinary
35.A.fighting
B.struggle
C.war
D.quarrel
36.A.dismissed
B.encouraged
C.misled
D.ventured
37.A.stain
B.spot
C.point
D.dot
38.A.experience
B.advantage
C.expense
D.adventure
39.A.niece
B.son
C.nephew
D.daughter
40.A.when
B.for
C.while
D.as
41.A.winning
B.won
C.having won
D.did win
42.A.each
B.single
C.individual
D.every
43.A.on
B.at
C.from
D.against
44.A.calm
B.quiet
C.silent
D.serene
45.A.must
B.need
C.want
D.long
46.A.case
B.spite
C.situation
D.occasion
47.A.put
B.place
C.teach
D.give
48.A.follow
B.trace
C.watch
D.expect
49.A.means
B.route
C.method
D.way
50.A.own
B.individual
C.private
D.public
Slash Your Bills — 6 Ways to Keep More Cash
Like a lot of hardworking couples, Ilah and Dennis Hardesty of Long Beach, California, live paycheck to paycheck. Their $1,200 monthly rent eats up about half of Dennis's take-home pay as a manager for a racing car engine manufacturer. Private school tuition for their three teens takes another $400 bite. Income from Ilah's two part-time jobs — as a fitness trainer and school secretary—disappears at the gas station and the grocery store.
The bottom line? Even with no car payments and just $300 in credit card debt, the family barely gets by. "We don't have a penny in savings", says Ilah. "No, I actually do have one cent in my account".
With inflation outpacing wage growth in recent years, it's not hard to find families like the Hardestys running out of money before they run out of month. According to the nonpartisan (无党派的) Economic Policy Institute, which studies lower-and middle-class economic trends, the median hourly wage of an American worker after inflation is less today than in 2003. The result is less buying power after the bills are paid.
These days, inflation is hovering around three percent, so anyone who remembers the double-digit price spikes of the 1970s might wonder what all the fuss is about. But even moderate inflation takes its toll, says personal finance expert Jonathan Pond, author of You Can Do It! The Boomer's Guide to a Great Retirement. In fact, annual inflation of just three percent doubles the cost of living every 23 or 24 years. Meanwhile, some essential expenses — energy, health care, higher education — are far outpacing the inflation index. No wonder families are feeling pinched.
Pinched doesn't have to mean powerless, though. Here, then, are six ways to save money on the big bills.
Education Options
Here's a pop quiz: Who's turned out move current CEOs of S&P 500 corporations — Harvard or the University of Wisconsin? Pencils up: They're running neck and neck, according to a recent study by Spencer Stuart, an executive recruiting firm. The study reinforces what should be common sense: There's no direct correlation between where a child goes to undergraduate school and later success. In fact, the pricey Ivies trained only ten percent of those CEOs.
So if your family's budget favors State College over Snooty U., don't sweat it. Kids who are motivated will succeed, no matter the color of their cap and gown. Look for quality institutions in your area. Consider a local four-year college and save on mom and board.
Or opt for a community college the first two years (tuition is bargain-basement), then finish up at a state school or private university. Don't forget: Once your child moves on to, say, Tufts, he will get a Tufts diploma.
Financial planners also suggest that parents give priority to their own retirement savings over c ollege funds, since there are no loans, grants or scholarships for surviving your senior years.
Taking Care of Health Care
Like education; health care costs have been outpacing inflation, which is one reason why employers are shifting more of the insurance burden to individuals. To control the expense, many people are opting for higher deductibles and lower monthly premiums. What's more, says Pond, "four-fifths of Americans enjoy pretty darn (非常) good health and could be safe choosing a policy with fewer bells and whistles. If no one in your family uses expensive pharmaceuticals, why pay for a high-priced drug benefit?"
But what happens if you suddenly need a costly long-term drug? Many policies allow you to upgrade to a plan with better benefits, after a six-month waiting period. You might also check out WalMart. The company recently started a program in 27 states to fill 30-day generic prescriptions for just $4 each. Nearly 300 drugs are covered. Among them are cloni
A.Y
B.N
C.NG
Slash Your Bills-- 6 Ways to Keep More Cash
Like a lot of hardworking couples, Ilah and Dennis Hardesty of Long Beach, California, live paycheck to paycheck. Their $1,200 monthly rent eats up about half of Dennis's take-home pay as a manager for a racing car engine manufacturer. Private school tuition for their three teens takes another$400 bite. Income from Ilah's two part-time jobs-- as a fitness trainer and school secretary-- disappears at the gas station and the grocery store.
The bottom line? Even with no car payments and just $ 300 in credit card debt, the family barely gets by. "We don't have a penny in savings", says Ilah. "No, I actually do have one cent in my ac-count".
With inflation outpacing wage growth in recent years, it's not hard to find families like the Hardestys running out of money before they run out of month. According to the nonpartisan (无党派的) Economic Policy Institute, which studies lower-and middle-class economic trends, the median hourly wage of an American worker after inflation is less today than in 2003. The result is less buying power after the bills are paid.
These days, inflation is hovering around three percent, so anyone who remembers the double-digit price spikes of the 1970s might wonder what all the fuss is about. But even moderate inflation rakes its toll, says personal finance expert Jonathan Pond, author of You Can Do It! The Boomer's Guide to a Great Retirement. In fact, annual inflation of just three percent doubles the cost of living every 23 or 24 years. Meanwhile, some essential expenses-- energy, health care, higher education-- are far outpacing the inflation index. No wonder families are feeling pinched.
Pinched doesn't have to mean powerless, though. Here, then, are six ways to save money on the big bills.
Education Options
Here's a pop quiz: Who's turned out more current CEOs of S&P 500 corporations-- Harvard or the University of Wisconsin? Pencils up: They're running neck and neck, according to a recent study by Spencer Stuart, an executive recruiting firm. The study reinforces what should be common sense: There's no direct correlation between where a child goes to undergraduate school and later success. In fact, the pricey Ivies trained only ten percent of those CEOs.
So if your family's budget favors State College over Snooty U., don't sweat it. Kids who are motivated will succeed, no matter the color of their cap and gown. Look for quality institutions in your area. Consider a local four-year college and save on room and board.
Or opt for a community college the first two years (tuition is bargain-basement), then finish up at a state school or private university. Don't forget: Once your child moves on to, say, Tufts, he will get a Tufts diploma.
Financial planners also suggest that parents give priority to their own retirement savings over college funds, since there are no loans, grants or scholarships for surviving your senior years.
Taking Care of Health Care
Like education, health care costs have been outpacing inflation, which is one reason why employers are shifting more of the insurance burden to individuals. To control the expense, many people are opting for higher deductibles and lower monthly premiums. What's more, says Pond, "four-fifths of Americans enjoy pretty darn (非常) good health and could be safe choosing a policy with fewer bells and whistles. If no one in your family uses expensive pharmaceuticals, why pay for a high-priced drug benefit?"
But what happens if you suddenly need a costly long-term drug? Many policies allow you to upgrade to a plan with better benefits, after a six-month waiting period. You might also check out Wal-Mart. The company recently started a program in 27 states to fill 30-day generic prescriptions for just$4 each. Nearly 300 drugs are covered. Among them are c
A.Y
B.N
C.NG
Make a game of your instructions. Have your child answer questions beginning with "What would you do if" and ending with phrases like "you lost your key"【C5】______"someone you don't know comes【C6】______the door."
The best home security is【C7】______. Every home should have smoke detectors, but consider also installing a burglar-alarm system. Leaving a radio【C8】______during the day makes a home sound【C9】______. Besides, as one child said, "It's horrifying walking into a quiet house." Don't leave an extra key in obvious hiding places, such as under the doormat.【C10】______it with a neighbor instead.
【C11】______your child is home alone, the phone is a vital【C12】______. A parent or designated(指定的)adult should always be available by【C13】______. Children should know where to find【C14】______numbers, and how to【C15】______the phone and take a message without letting an unknown caller【C16】______no one else is home. You might【C17】______a telephone-answering machine. Your child【C18】______then be able to pick up the receiver only when he heard a【C19】______voice. If you help your child understand the precautions you've taken, he will feel more【C20】______about staying home.
【C1】
A.mature
B.brave
C.old
D.strong