Money doesn’t grow on trees. It often means that you should be careful how much you _______.

Why doesnt the woman want to borrow money？

A．She has her own money.

B．She wouldn"t be able to get a loan.

C．She prefers to be independent.

D．Her bills are too high.

.

A．to have spent

B．to spend

C．spent

D．spending

Why doesnt the man quit？

A．He can"t support himself right now.

B．He was given more money than others.

C．He can"t find another job.

D．He needs the salary from the work.

In an old town lived a merchant. He earned huge profits by fair means and foul (恶劣的).With more profits flowing in, he became more and more【C1】______. He complained when his wife wanted money to【C2】______the home. He criticized her when she prepared【C3】______dishes or bought expensive clothes. " Money doesnt grow on trees. " he【C4】______his children when they asked for money to buy books and new dresses. When his sisters, brothers and cousins came to ask for【C5】______, he drove them away. 【C6】______ he grew richer, he became more miserly (吝啬的). He【C7】______the cook, the maid and the gardener. "No,who will pay them？ All of us must share the work and thus avoid【C8】______of money. " he told his wife and children. "What will you do with all this money？" they asked. But he drove them away,【C9】______," I will do【C10】______I like with my money. I earn it. I will save it. I will become the richest man in the town. Wait and see. " It【C11】______him many years to become the richest man in town. But none had a good word to say about him. The people laughed at him, " Money Bag. " They named him " King Miser. " The merchant became worried day by day【C12】______his bad name. How could he get a good name？ He finally went to an elder and【C13】______ advice. "Shall I open a charitable (慈善的) hospital？ 【C14】______ a school for the children of the poor？ Open a chain of poor homes？" he asked. "Not a bad idea. In fact, I would normally have recommended such kind of charity. But it will cost a lot of money. " the elder【C15】______ out. "I am ready to spend some money to win name and 【C16】______ ," the merchant replied. " How can you even think of helping strangers？ Should you not attend to the【C17】______of your near and dear ones first？ Cant you see your wife and children going around【C18】______poor clothes？ How hungry they look？ Do they have even enough food every day？ Listen. Do your【C19】______to your family, first. Help your brothers and sisters and other members of the family who are poor. Opening hospitals for the poor or schools for the children of the poor must come【C20】______. Charity begins at home. " saying this, the wise man sent the merchant away.

【C1】

A．honest

B．greedy

C．upset

D．generous

Why doesnt the woman charge the man for his late check-out？

A．Because the man has been queuing for a while.

B．Because she was so busy that she forgot.

C．Because the man"s room is not booked this week.

D．Because she charged the man some money last time.

In an old town lived a merchant. He earned huge profits by fair means and foul (恶劣的).With more profits flowing in, he became more and more【C1】______. He complained when his wife wanted money to【C2】______the home. He criticized her when she prepared【C3】______dishes or bought expensive clothes. " Money doesnt grow on trees. " he【C4】______his children when they asked for money to buy books and new dresses. When his sisters, brothers and cousins came to ask for【C5】______, he drove them away. 【C6】______ he grew richer, he became more miserly (吝啬的). He【C7】______the cook, the maid and the gardener. "No,who will pay them？ All of us must share the work and thus avoid【C8】______of money. " he told his wife and children. "What will you do with all this money？" they asked. But he drove them away,【C9】______," I will do【C10】______I like with my money. I earn it. I will save it. I will become the richest man in the town. Wait and see. " It【C11】______him many years to become the richest man in town. But none had a good word to say about him. The people laughed at him, " Money Bag. " They named him " King Miser. " The merchant became worried day by day【C12】______his bad name. How could he get a good name？ He finally went to an elder and【C13】______ advice. "Shall I open a charitable (慈善的) hospital？ 【C14】______ a school for the children of the poor？ Open a chain of poor homes？" he asked. "Not a bad idea. In fact, I would normally have recommended such kind of charity. But it will cost a lot of money. " the elder【C15】______ out. "I am ready to spend some money to win name and 【C16】______ ," the merchant replied. " How can you even think of helping strangers？ Should you not attend to the【C17】______of your near and dear ones first？ Cant you see your wife and children going around【C18】______poor clothes？ How hungry they look？ Do they have even enough food every day？ Listen. Do your【C19】______to your family, first. Help your brothers and sisters and other members of the family who are poor. Opening hospitals for the poor or schools for the children of the poor must come【C20】______. Charity begins at home. " saying this, the wise man sent the merchant away.

【C1】

A．honest

B．greedy

C．upset

D．generous

A．Economic growth doesnt deliver happiness．

B．Having less money usually makes us happier．

C．Consumer goods can fulfill our various needs．

D．Material possessions don’t bring a meaningful lif

E．

aker B:______

A．Yes, I think it"s foolish to go shopping so often.

B．I agree. And the fashion industry hardly contributes anything really important to society.

C．Maybe. But I don"t think it"s any of your business.

D．Right, especially when the styles change so often.

What does professor Dan Ariely think of the increase in Valentines Day spending？

A.It is a sign of widespread recovery.

B.One splurge doesnt mean that the economy is recovering.

C.Its a routine that people spend a lot on this day.

D.People now have more money at their disposal.

or 529 Qualified State Tuition Plans. Well explore the difference between this savings vehicle and some of the other traditional education savings methods and see why this plan is the best yet ! The cost of college [ B ] You may never have thought you could get excited about big sums of money you wont be spending on yourseff until you read about this new college savings plan. The 529 plan offers the most painless way to save money for higher education to date. And ff the child decides not to go to college, you can roll it over to someone else that does want to go, including yourself! The 529 Plan is a savings plan for college education. You have a couple of options when you open an account. * One option lets you prepay tuition at a qualified educational institution at todays tuition rates. * Another option lets you save money in a tax deferred account (earnings only) to be used to pay for education at future tuition rates. [ C ] The idea, with either option, is that the investment earnings will grow to meet the higher costs of future education. The savings account option is typically considered the more attractive of the two and is what we will focus on in this article. The 529 plan is a state sponsored investment program. That is, the state sets up the plan with an asset management company of its choice, and you open a 529 account with that asset management company according to the states predetermined plan features. You are the owner of the account, and the child for whom the account is set up is the beneficiary (收益人). You wont deal directly with the state, but rather with the asset management/investment company. State-to-state variations [ D ] Because each state can control some of the features of its own plan, there are variations from state to state. Most plans follow the same general scheme (and federal requirements), but make sure you compare plans among states other than your own. Most states dont require residency in order to participate, so shop around different states for the best deal. The benefits: tax treatment [ E ] All of the accounts earnings are exempt from federal tax when they are withdrawn if they are used for qualified education expenses. This means that, unlike the taxes you have to pay on earnings from regular stock investments, you wont pay any tax on the 529 account earnings unless you end up using the money for something other than higher education. Earnings are currently tax deferred in most states, as well. [ F ] A break on the earnings tax isnt the only tax advantage, either. Although your contributions arent pre-tax (you pay state and federal tax on the money you put into the account), there are some states that let you deduct a portion of your contributions from your state taxes. More states will probably follow suit in the coming years. The benefits: account control [ G ] Unlike Education Savings Accounts (ESA．, the account owner always has control of the money.This helps lessen that parental anxiety that the juniorwill take the money and tour Europe or buy a Porsche instead of going to college. There are no restrictions on who can open an account for whom.You can open an account for your child, a friends child, a relative, the paper boy, or even yourself. The benefits: income eligibility [H] Did you know that with an ESA, you arent eligible to contribute if you make more than $ ll0,0OO per year ($ 220,000 for married couples)？ Unlike ESA, your income does not affect your eligibility to open a 529 account. Contributions to 529 plans also qualify for the $11,000 ($ 22,000 for married couples in 2002 ) annual gift tax exclusion. You can also contribute up to five years of gifts during the first year, meaning you can put in up to $55,000 ($110,000 for married couples). This is a great benefit in situations where inheritance money enters the picture. Your account can grow up to $ 268,000 in some states. You can contribute as little as $ 25 to $ 50 per month. The benefits: how the money can be used [ I ] In most states, there is no age limit or time limit for when the money has to be used. Your child can put off college indefinitely, in which case you have the option of rolling the account over to another child as long as that child is in the same family of the first beneficiary. In case youre wondering just who is considered "family", the plan defines family members as "the original beneficiarys spouse,children, sisters, brothers, nephews, nieces, first cousins, and any spouses of those persons. " [ J ] Your child can go to any accredited (官方认可的) degree granting educational institution, whether it is public, private, two-year, or four:year. There are even some international schools that qualify. In most states, qualified education costs include tuition, books, room, board, transportation, and even computers. In the event that your child gets a scholarship, then the remainder of the 529 account can be rolled over to another sibling (or relative), or it can be cashed out with no penalty other than the tax paid (at your rate) on the earnings. The same rule applies in the event of the childs death or disability. The benefits: investment control [ K] If the thought of turning over your hard earned money to the state makes you a little uneasy, rest assured that the state doesnt control your money. In fact, most states are signing on with well known, successful investment companies such as TIAA CREF, Vanguard and Fidelity. The number and types of investment options vary by state, and once you select your option you cant change it.You can, however, roll your money over into another states plan if youre not happy with your chosen investment option. There is no penalty to roll the money over into another states plan, and you can do it once every 12 months. Most states have no residence requirement for their 529 plans. [ L ] Many plans are also offering investment choices that are age-based. This means that if youre starting early, perhaps when your child is age one to three, the investments can begin aggressively in stocks then gradually shift to bonds and money market accounts as your child gets closer to college age.Some state plans offer several levels of options for aggressive, moderate and conservative investments. [ M] If you cant reach the risk level you want in one plan, you can always open a second 529 account in the same or another state. You can have as many accounts as you want and can also contribute to both a 529 plan and an ESA. That way, you can diversify your investments in the event that the plan doesnt offer the investment mix you would like. If a child fail to use the 529 plan savings for college, the money can be transferred to another child in the family.