During my first year in college I was forced to do something I didn't want to do: Plan a budget. With great resentment (愤慨) for 6 months I used pens to mark my expenses into 10 different categories. I then came up with a monthly average for each category. It was not until a decade later that I realized the simple exercise of learning to manage money is the best investment.
For most of you, college may be the first time you'll be managing money on your own, and it's easy to blow past your college budget. But overspending could leave you broke or worse, buried in debt. According to Edvisors, 64% of college students have run out of money before the end of the semester. And the consequence is that it will take them the following several years to pay back that big amount.
Before sharing with you my approaches 10 dealing with the situation, I'd like to make you aware of something first. Based on researches, over-spenders mainly fall into one of the following categories.
a. Image spenders use money in highly visible ways, caring much about their appearance. Their motto is "If I look beautiful, I am beautiful."
b. Compulsive (难控制的) shoppers use shopping as a distraction (分心) from unwanted negative feelings. Whenever down, they purchase to "drown" the bad feeling.
c. Bargain-hunting spenders care more about "getting the deal". Their satisfaction comes from the bargaining process or grabbing the bargains.
1. What did the writer do in college?| A．She never made both ends meet. | B．She recorded the money she spent. |
| C．She enjoyed making investment. | D．She had to buy things she disliked. |
| A．A plan of making a budget. | B．The danger of overspending. |
| C．A style of paying off debts. | D．The value of attending college. |
| A．Paying great attention to their appearance. | B．Seeing the harm of overspending. |
| C．Satisfying themselves by spending on food. | D．Buying too many unwanted items. |
| A．Ways to manage money. | B．Examples of success. |
| C．Consequences of overspending. | D．Secrets of happy life . |
相似题推荐
In the school, administrative assistants greet students at the start of the day and answer a large quantity of questions. When an assistant remembers a student’s name or even something special about that student, it communicates to him that he is cared for. The assistant can also give that extra encouragement for a student to make better choices, especially when they are visiting the principal’s office.
Meanwhile, though cafeteria workers have a short space of time to interact with students, they can make a big difference as well. Beyond meeting nutritional needs, cafeteria workers may also on occasion meet the emotional needs of the students they serve. Students benefit from positive interaction with adults, and cafeteria workers may give that extra bit of encouragement that a child needs.
Custodians (管理员) are usually underappreciated for what they offer to schools. They have to be knowledgeable about everything from cleaning to fixing the most intricate (复杂的) tools. They get to school early in the morning before teachers arrive and lock up late at night after the last student has left from the after-school event. They also make sure teachers are equipped with the necessary items and prepare the rooms so that they are ready for learning. A great custodian also gives that kind word or extra smile to that student who needs it most.
1. The purpose of the passage is to _______.
| A．emphasize the role teachers play in a school |
| B．highlight the contributions of other staff at school besides teachers. |
| C．tell us who make the greatest contributions to a school |
| D．explain what contributes to the success of a student |
| A．he is paid particular attention to | B．he is special |
| C．he has done something wrong | D．he has made progress in study |
| A．It’s enough for them to cook for the students. |
| B．It’s hard for them to interact with the students. |
| C．They have the most interaction with students at school. |
| D．They can also meet the emotional needs of the students. |
| A．Disappointed. | B．Dissatisfied. | C．Appreciative. | D．Doubtful. |
【推荐2】I hear many parents saying that their teenage children are rebellious(反叛的)．I wish it were so.At your age you ought to be growing away from your parents.You should be learning to stand on your own two feet.But take a good took at the present rebellion.It seems that teenagers are all taking the same way of showing that they disagree with their parents.Instead of striking out bravely on their own，most of them are trying to seize at one another's hands for safety.
They say they want to dress as they please.But they all wear the same clothes.They set off in new directions in music.But somehow reason for thinking or acting in thus－and－such a way is that the crowd is doing it.They have come out of their cocoon(蚕茧)—into a larger cocoon.
It has become harder and harder for a teenager to stand up against the popularity wave and to go his or her own way.Industry has firmly opened up a teenage market.These days every teenager can learn from newspapers and TV what a teenager should have and be.And many of today's parents have come to award high marks for the popularity of their children.All this adds up to great difficulty for the teenager who wants to find his or her own path.
But the difficulty is worth getting over.The path is worth following.You may want to listen to classical music instead of going to a party.You may want to collect rocks when everyone else is collecting records.You may have some thoughts that you don't care to share at once with your classmates.Well，go to it.Find yourself.Be yourself.Popularity will come—with the people who respect you for who you are.That's the only kind of popularity that really counts.
1. The writer's purpose in writing this passage is to tell____.| A．readers how to be popular in the world |
| B．teenagers how to learn to decide things for themselves |
| C．parents how to control and guide their children |
| D．people how to understand and respect each other |
| A．dare not do things |
| B．have much difficulty in understanding each other |
| C．are not sure of themselves |
| D．are very much afraid of getting lost |
| A．find one's real self |
| B．become different from others in as many ways as possible |
| C．get into the right reason and become popular |
| D．rebel against parents |
【推荐3】A Guide to the University
Food
The TWU Cafeteria is open from 7 a.m. to 8 p.m. It serves snacks(小吃), drinks, ice cream bars and meals. You can pay with cash or your ID cards.You can add meal money to your ID cards at the Front Desk. Even if you do not buy your food in the cafeteria, you can use the tables to eat your lunch, to have meetings with your friends and to study.
If you are on campus in the evening or late at night,you can buy snacks, fast food, and drinks in the Lower Cafe located in the bottom level of the Douglas Center. This area is often used for entertainment such as concerts, games or TV watching.
Relaxation
The Globe, located in the bottom level of McMillan Hall, is available for relaxing, studying, cooking and eating. Monthly activities are held here for all international students. Hours are from 10 a.m. to 10 p.m., closed on Sundays.
Academic Support
All students have access to the Writing Center on the upper floor of Douglas Hall. Here, qualified volunteers will work with you on written work, grammar, vocabulary and other academic skills. If you need help, you can sign up for an appointment by finishing the sign-up sheet outside the door, two 30-minute appointments per week maximum. This service is free.
Transportation
The TWU Express is a shuttle(班车)service. The shuttle transports students between campus and the shopping center, leaving from the Mattson Centre. Operation hours are between 8 a.m. and 3 p.m. Saturdays only. Round trip fare is $1.
1. What can you do in the TWU Cafeteria?| A．Do homework and watch TV. | B．Buy drinks and enjoy concerts. |
| C．Have meals and meet with friends. | D．Add money to your ID and play chess. |
| A．By applying online. | B．By calling the center. |
| C．By filling in a sign-up form. | D．By going to the center directly. |
| A．To carry students to the lecture halls. | B．To provide students with campus tours. |
| C．To take students to the Mattson Centre. | D．To transport students to and from the stores. |
【推荐1】Throughout history, people have promoted stories of curse. Here are some famous ones.
King Tut's Curse
In 1923, a British archaeological team opened the tomb of "King Tut". Two months later, when the team's sponsor died from a bacterial infection, British newspapers claimed that was because of "King Tut's curse". Whenever other members of the team died, the media mentioned the curse gain.
Though it's not clear how many people took the curses seriously, these stories became popular subjects for some horror movies and comedies.
The Curse of the Polish King's tomb
In 1973, a group of archaeologists opened the tomb of Polish king Casimir IV in Poland. European media covered the great event, and the researchers joked they were risking a curse on the tomb by opening it.
When some team members began to die shortly after, some media suspected it was due to a curse. Later, experts discovered traces of deadly bacteria inside the tomb that could cause lung illnesses when breathed in.
The Curse of Tippecanoe
In the mid-20th century, US media began to note a pattern that, starting with Harrison and ending with Kennedy, every 20years the country elected a president to die in office.
Believe It or Not claimed the "pattern" was due to a curse placed by the chief of Shawnee, Tecumseh, on Harrison and future presidents after Harrison's troops defeated Tecumseh's at the battle of Tippecanoe in 1811. This story bears a similarity to other "curses" in US books and movies about disturbing Native burial grounds.
1. What can be learned from the first two curses?| A．It was the media that made up the curses. |
| B．Whoever opened the tombs would be cursed. |
| C．All he members died after the opening of the tombs. |
| D．The bacteria in the tombs could probably cause the deaths. |
| A．evil spirits |
| B．loyal guards |
| C．powerful gods |
| D．American natives |
| A．Events. |
| B．Mystery. |
| C．Religion. |
| D．Entertainment. |
【推荐2】A small study out of Skidmore College examined the advantages of morning vs, evening exercise for both women and men. Paul, professor for health at Skidmore, led the study.
“We had the groups divided into evening and morning groups,” he says. “We found women and men answered differently to different types of exercise depending on the time of the day, which surprised us.”
The study showed that for women who want to lower blood pressure (血压), the risk of heart disease or reduce fat, morning exercise works best. Those women hoping for upper body muscle (肌肉) gains or mood (心情) improvement should consider evening exercise. For the men, the findings were somewhat different: Evening exercise lowers blood pressure, the risk of heart disease, and feelings of tiredness. But similar to women, they burn more fat with morning exercise.
“For many people, the best time to exercise will depend on their chronotype,” says Heisz, author of Move the Body, Heal the Mind.
“Chronotype is your body’s natural habit to sleep at a certain time—it’s what decides whether you’re a night owl or an early bird. For the 25% of the population that considers themselves a night owl, getting both enough sleep and enough exercise can be difficult,” adds Heisz.
He continues, “Sleep—which provides your body the necessary time to recover (恢复) and make gains from exercise—should always be the first choice. When it comes to exercise, regardless of research on the advantages of certain exercises at particular times of the day, your results will not be good if it doesn’t allow enough time for sleep.”
1. What can women get by doing evening exercise according to the study?| A．A fat loss. |
| B．A good mood. |
| C．A lower blood pressure. |
| D．A smaller risk of heart disease. |
| A．Give an example. | B．Tell the difference. |
| C．Do an experiment. | D．Explain a term. |
| A．Enough sleep. | B．Low-fat food. |
| C．Plenty of water. | D．Lots of exercise. |
| A．A Night Owl or An Early Bird |
| B．Why Fitness Plan Being Important |
| C．How to Change Your Exercise Time |
| D．The Best Time of a Day to Exercise |
【推荐3】Have you ever wondered how other people start their day? Morning routines are usually private, witnessed only by family members if they’re awake, and yet these routines are very important for setting a productive tone for the rest of the day. Especially when mornings are cold and dark, there is something fascinating about discovering how others get out of bed each day.
This is the intriguing concept behind a website called My Morning Routine (MMR). Founded in 2012 by Michael Xander and Benjamin Spall, MMR has interviewed more than 218 people about their early-morning habits, always asking the same basic set of questions. Every Wednesday an inspiring routine story is published online.
MMR has a statistics page that was started after 133 morning routine interviews were completed. It’s now updated every week. The statistics illustrate the common denominators across all interviews. Here are some of the key findings.
Coffee is king among the participants, with water coming in a far-off second as their favorite drink in the morning, and nearly everybody hates email. Do you answer email first in the morning or leave it until later in the day? Of all the questions they ask the participants, this is the one that never fails to stir up an emotive response. So why do we read about other people’s morning routines? Well, first of all, it’s fun. Perhaps your first impression is like mine—skeptical that such a thing how could possibly be interesting. It is, quite literally, catching a glimpse of a part of people’s lives we don’t normally see.
Second, I think many people harbor a secret desire to improve their morning routines, to get better at starting the day off right. The idea behind MMR is to influence readers to make adjustments to their own routines and to take bits and pieces of other’ successful routines and incorporate them into their own.
1. What is the purpose of the first paragraph?| A．To show some characteristics of MMR. | B．To suggest learning from others’ routines. |
| C．To introduce the reason for founding MMR. | D．To explain the importance of morning routines. |
| A．It aims to collect healthy morning routines. | B．It is a world-known social network website. |
| C．It keeps updating its statistics on a daily basis. | D．It provides inspiring routine stories every week. |
| A．Drinking coffee | B．Reading the news. |
| C．Replying to emails . | D．Conducting an interview. |
| A．make up | B．lead to | C．hold down | D．keep away |
| A．Skeptical | B．Supportive | C．Negative | D．Uninterested |
【推荐1】Kids Nature and Survival Camp
Set free your kids’ imagination and spirit of adventure at this camp, as they learn about the natural environment and the important skills of survival.
Activity overview
* 44-day Camp in the Santa Cruz Mountains
* Basic Survival Skills: Shelter, Water, Fire, Food
* Expert Instructors-with a minimum of 10 years of experience
* Set your own custom(定制的) camp date
Details
* The camp will run for 5 hours each day: 9 am-2 pm.
* This class is 100% hands-on and very active. Everything your kids learn, they will do—no indoor classrooms or long lectures.
* Each day will center around one of the 4 main necessities of survival: SHELTER(day 1). WATER(day 2), FIRE(day 3), and FOOD(day 4).
Dates offered
* We offer 1 public camp date each summer for ages 8-12. For 2021, that date is August 5-8(9 am-2 pm each day). To book that date for a child between the ages of 8-12, please click the REGISTER NOW link below.
* We also arrange custom/private camp dates for both kids and teens all year round.
Extra information
* 4-Day Camp: $395
* Add shuttle(班车) ride to/from downtown Santa Cruz for $160($40 per day)
* At this time we do not have shuttle service from the Silicon Valley side of the hill, but we do work to help organize carpools(拼车) from the Los Gatos/Saratoga/Campbell area each year for interested parents.
1. What will kids learn if they join the camp?| A．How to make long lectures. | B．How to survive in the wild. |
| C．How to organize a camp. | D．How to improve their imagination. |
| A．It is free for all children. | B．Children could learn it online. |
| C．It is based on practicing in person to learn. | D．Kids could hook a public camp date each spring. |
| A．Los Gatos. | B．Santa Cruz. | C．Saratoga. | D．Campbell. |
【推荐2】With the increasing popularity of climbing gyms and the addition of climbing to the 2021 Olympic Games in Tokyo, interest is booming. Here are some U.S. rock climbing spots that are welcome to newer climbers.
Horse Pens 40, Steele, Alabama
These natural rock shelters in the Appalachian foothills are renowned for their bouldering, a type of rock climbing without ropes and safety belts. It’s one of the top bouldering spots in the United States, a very unique little ecosystem there. Located about an hour north of Birmingham, it’s particularly popular in the fall when it hosts the final event.
Bishop, California
This area on the eastern side of the Sierra Nevada mountains offers a series of climbing options: bouldering; sport climbing, which uses anchors(锚) permanently fixed in the rock; and traditional climbing, which has climbers using removable protection devices.
Grand Teton National Park, Wyoming
It’s possible to climb Grand Teton, the towering peak(山峰) which gives its name to the park. A guided trip up the 13,770-foot mountain requires several climbing disciplines, but offers an incredible reward: a view of 14 different mountain ranges in four states.
Smith Rock State Park, Oregon
Located about 25 miles north of Bend, this spot became popular in the 1980s and is considered the birthplace of American sport climbing, Santella says. The world’s top climbers come to try the difficult routes here. It also has a large climbing community with instructors and guides.
1. Which state would you go if you want to experience more kinds of climbing?| A．Alabama. | B．California. | C．Wyoming. | D．Oregon. |
| A．Horse Pens 40. | B．Bishop. | C．Grand Teton National Park. | D．Smith Rock State Park. |
| A．They both have guides. |
| B．They got famous in the 1980s. |
| C．Their names come from the peaks. |
| D．They have set strict climbing rules. |
【推荐3】Science Daily (Apr 27, 2008) — Dutch ecologist Roxina Soler and her colleagues have discovered that subterranean (地下的) and aboveground herbivorous (食草的) insects can communicate with each other by using plants as telephones. Subterranean insects issue chemical warning signals through the leaves of the plant. This way, aboveground insects are warned that the plant is already “occupied”.
Aboveground, leaf-eating insects prefer plants that have not yet been occupied by subterranean root-eating insects. Subterranean insects send out chemical signals through the leaves of the plant, which warn the aboveground insects about their presence. This messaging makes it possible for spatially-separated insects to avoid each other, so that they do not compete for the same plant.
In recent years it has been discovered that different types of aboveground insects develop slowly if they feed on plants that also have subterranean residents and vice versa (反之亦然). It seems that a system has developed through natural selection, which helps the subterranean and aboveground insects to notice each other. This avoids unnecessary competition.
Through the “green telephone lines”, subterranean insects can also communicate with a third party, namely the natural enemy of caterpillars (毛虫). Parasitic wasps (寄生的黄蜂) lay their eggs inside aboveground insects. The wasps also benefit from the signals sent by the leaves, as these help them find more insects for their eggs.
The communication between subterranean and aboveground insects has only been studied in a few cases. It is still not clear how widespread this phenomenon is. But scientists are looking into it. This research was carried out at the Netherlands Institute for Ecology (NIOO-KNAW) by Roxina Soler, Jeffrey Harvey, Martijn Bezemer, Wim van der Putten and Louise Vet. The PhD project, in which this study was carried out, was funded by the Free Competition of NWO Earth and Life Sciences.
1. After finding a plant occupied by subterranean insects, aboveground insects usually ____.| A．send out warning signals | B．choose to give up the plant |
| C．compete for the plant | D．share it with the subterranean insects |
| A．feed on plants occupied by subterranean insects |
| B．feed on plants not occupied by subterranean insects |
| C．become cleverer through natural selection |
| D．compete with subterranean insects |
| A．caterpillars | B．parasitic wasps | C．wasps’ eggs | D．a plant’s leaves |
| A．Other animals may communicate in the same way. |
| B．There will be further research into this phenomenon. |
| C．Part of the study is a PhD project. |
| D．The Free Completion of NWO Earth and Life Sciences has the patent for these results. |
| A．Insects use plants as a telephone. | B．Insects live in harmony with each other. |
| C．No species can live alone. | D．Plants and animals have an effect on each other. |
【推荐1】On the 70th anniversary of the founding of the People's Republic of China, Chinese scientist Tu Youyou, winner of the 2015 Nobel Prize for the discovery of artemisinin, has been awarded China's Medal of the Republic. The medal is the country's highest honor for outstanding figures that have made great contributions to the construction and the development of the P.R.C.
Tu Youyou, born in 1930, has become the first Chinese woman to win a Nobel Prize, for her work in helping to create an anti-malaria medicine. The 84-year-old’s route to the honor has been anything but traditional. In China, she is being called the “three nos” winner: no medical degree, no doctorate, and she’s never worked overseas. In 1967, malaria, a then deadly disease, spread by mosquitoes was decimating Chinese soldiers fighting Americans in the jungles of northern Vietnam. A secret research unit “Mission 523” was formed to find a cure for the illness. Two years later, Tu Youyou was instructed to become the new head of “Mission 523”.
“Mission 523” read ancient books carefully for a long time to find historical methods of fighting malaria. When she started her search for an anti-malaria drug, more than 240,000 compounds(化合物)around the world had already been tested, without any success. Finally, the team found a brief reference to one substance, sweet wormwood(青蒿), which had been used to treat malaria in China around 400 A.D. The team took out one active compound in wormwood, and then tested it. But nothing was effective until Tu Youyou returned to the original ancient text. After another careful reading, she changed the drug recipe one final time, heating the compound without allowing it to reach boiling point.
After the drug showed promising results in mice and monkeys, Tu Youyou volunteered to be the first human recipient of the new drug. “In any case, Tu Youyou is consistently praised for her drive and passion”. One former colleague, Lianda Li, says Ms. Tu is “unsociable and quite straightforward”, adding that “if she disagrees with something, she will say it.”
Another colleague, Fuming Liao, who has worked with Tu Youyou for more than 40 years, describes her as a “tough and stubborn woman”. Stubborn enough to spend decades piecing together ancient texts, she applies them to modern scientific practices. The result has saved millions of lives.
1. According to Paragraph 2, we can learn that .| A．Tu is the first woman to win a Nobel Prize |
| B．Tu has a medical degree |
| C．Tu’s road to success is not traditional |
| D．Tu discovered a cure for malaria |
| A．encouraging | B．killing |
| C．annoying | D．benefiting |
| A．Tu first invented the idea of using sweet wormwood as a cure. |
| B．Tu was inspired by medical textbooks published in northern Vietnam. |
| C．The compound needs to be heated to the boiling point to be effective. |
| D．Over 240,000 compounds were proved ineffective before Tu’s search. |
| A．devoted and stubborn | B．straightforward and mean |
| C．considerate and tough | D．sociable and generous |
【推荐2】BEIJING-China has seen reduced desertification and increased forest coverage since 1978, thanks to the Three-North Afforestation Program (TNAP).
Constructed in the northeast, north and northwest China, TNAP is a national program fighting against soil erosion and wind-sand damage by planting sand-fixing forests. The area of sand-fixing forests has increased by 154 percent in the past 40 years, contributing to the reduction of desertification by around 15 percent, according to a report jointly released by the National Forestry and Grassland Administration (NFGA)and the Chinese Academy of Sciences.
Over the past 40 years, TNAP increased the forest area by 30.14 million hectares and raised the forest coverage rate from 5.05 percent to 13.57 percent in the regions it covers, said Liu Dongsheng, deputy head of the NFGA.
“China's desertification area has obviously reduced since 2000 due to the construction of the Three-North affor-estation and people's increasing awareness of environmental protection,” said Zhu Jiaojun, head of the Institute of Applied Ecology in the northeastern city of Shenyang. Three-North protective forests helped reduce sandstorms by fixing the sources of sand on the ground, Zhu said.
The program also played a role in preventing sandstorms in the Beijing-Tianjin-Hebei region. Official data showed the time of sandstorms per year dropped from 5.1 days in 1978 to 0.1 days in 2015.
1. How much desert has been reduced in the past 40 years?| A．154%. | B．15%. |
| C．5.05%. | D．13.57%. |
| A．Loss. | B．Increase. |
| C．Exploration. | D．Production. |
| A．The desert in the north has been replaced by forest. |
| B．The sand-fixing forest is effective in reducing desert. |
| C．The sandstorm has completely disappeared in China. |
| D．People haven't realized environmental protection. |
| A．Sand-fixing forests protect soil. | B．Forests in China has increased. |
| C．Beijing say goodbye to sandstorms. | D．China sees reduced desertification. |
【推荐3】The summer I turned 16, my father gave me a car, which permitted Hannah and me to drive around Tucson whenever we wanted to.
Hannah was my best friend. “Hannah’s amazing," my mother always said. And sure enough, that summer she signed with a modeling agency. She was already doing runway work.
One day, Hannah and I went to the movies. On the way home, we stopped at the McDonald's drive-through, putting the fries on the seat between us to share. "Let’s ride around a while," I said. It was a clear night, moonlight shone over the desert. Taking a turn too fast, I hit a patch of dirt and fishtailed.
French fries on the floor. An impossible amount of blood on Hannah’s face. They took us in separate ambulances. In the ER, my parents spoke quietly: Best plastic surgeon in the city. End of her modeling career.
We'd been wearing lap belts, but the car didn’t have shoulder harnesses. I’d cracked my cheekbone; Hannah's forehead had split wide open. What would I say to her?
When her mother, Sharon, came into my hospital room, I started to cry, bracing myself for her anger. She sat beside me and took my hand. “I almost ended my best friend when I was your age,” she said, “I totaled her car and mine.”
“I'm so sorry,”I said.
“You’re both alive,”she said, “The rest is window dressing.” I started to protest, and Sharon stopped me. “I forgive you. Hannah will too.”
Sharon’s forgiveness allowed Hannah and me to stay friends throughout life. I think of her gift of forgiveness every time I want to resent someone for a perceived wrong. And whenever I see Hannah, the scars are a symbol of grace for me.
1. What caused the car accident?| A．Poor visibility. | B．Driving too fast. | C．Hitting a patch of dirt. | D．Not staying focused. |
| A．Supportive. | B．Generous. | C．Optimistic. | D．Helpful. |
| A．It worsened their friendship. | B．It made both of the two disabled. |
| C．It changed Hannah's working career. | D．It ruined the author’s confidence in driving. |
| A．Lucky Survival | B．Lifelong Friendship |
| C．My Best Friend Hannah | D．Learning to Forgive |
