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More than how much money comes in it's a matter of how you spend it.That's whe

More than how much money comes in it's a matter of how you spend it.That's where budgeting comes in.A detailed budget helps you keep tabs on your income.There are many people who are able to live comfortably on what they earn, even if their income is modest.A budget, therefore, keeps track of income and expenses.It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.

Adequate insurance for you and your family is an essential part of investing.Life, health and property insurance protect you and your loved ones from unforeseen mishaps.It is also wise to make a will so that your assets can be handled smoothly.

Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of.While planning you make an assessment of your present situation in relation to your goals.Managing personal finances becomes a hassle when you get into debt.Debt is what you owe, and can be good and bad.If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible.But running up debts like overdue credit cards is not good.This is why budgeting is very important so that you know exactly where your money is going.It is very easy to lose track of what you spend without a budget.

There are multiple ways to invest and save for the future.The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible.Periodical review keeps you in control of your personal finance.

1.The word "modest" in Para.1 probably means "____________"？

A.Honest

B.Mild

C.Average.

D.Large

2.How many ways of finance management does the author mainly mention？()

A.3

B.4

C.5

D.2

3.What's the essential part of investing for a family？()

A.Sources of income

B.Various expenses

C.Adequate insurance

D.Detailed budget

4.How does the author think of debt？()

A.It's completely bad

B.It's both good and bad

C.It's wonderful

D.It's not mentioned

5.What does this passage mainly talk about？()

A.How to manage money

B.How to spend money

C.How to invest money

D.How to loan money

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更多“More than how much money comes…”相关的问题
第1题
Alice can make 20 dollars per hour. Bob earns 40% more than Alice, and Carlos earns 25%

A. How much does Carlos earn per hour？（）

B.18$

C.21$

D.28$

E.35$

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第2题
Regarding the control process, what is measured is ______________ than how we measure

A.less important

B.equally important

C.much less important

D.more important

E.five times more important

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第3题
A budget(预算)is a spending plan.It can help you spend money wisely.It can do this by cu
tting out wasteful spending.Of course,preparing a budget takes planning,and following a budget takes willpower(自制力).Your budget should meet your family’s needs and income.

The first step in creating a budget is to set your goals.What does your family needand want？You must know all that to work out the details of the budget.Never spend more than you can.Then decide which goals are the most important.

The next step is estimating(估计)family income.Before you can plan wisely,you need to know how much money you have to spend!Write down aqll themoney you expect to receive(wages,saving,interest,etc.) during the planned budget period.

After you have calculated (计算)how much money will be available,it is time to estimate expenses(开销、支出).List all of your family expenses.

If you are not satisfied with what you got for your money,look carefully at your spending.Studying your records will show where overspending has occerred.It will also point out poor buying habits.

It is also a good idea to set aside a small amount of money for emergencies.Every family has emergencies:a blown tire,a broken device,or the need for medical care.

51.According to the passage,what is the advantage of a budget？

A.It can help you set your goals clearly.

B.It can help you save a lot of money.

C.It can help you get rid of poor buying habits.

D.It can help you spend money wisely.

52.In carrying out your budget,you need ___.

A.to have the ability to control yourself

B.to ask your family members for advice

C.to cut it down as much as possible

D.to take care not to buy expensive things

53.Accordingiy,one advantage of keeping a record of your spending is that ___.

A.you will remember how much you have already spent

B.you will know if you have spent more money than you planned

C.you will be able to tell your family what should not be bought

D.you will learn how to make a better budget next time

54.The writer suggests that it is a good idea to set aside some money because ___.

A.you probably will not be able to follow your budget

B.people usually spend more than they plan to do

C.one can hardly plan everything in advance

D.others may want to borrow some money from you

55.This passage is mainly about ___.

A.the meaning of a budget B.the relation between budget and income

C.the way a budget is made D.the importance of making a budget

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第4题
Tom is cleverer but（)than his brother.

A.lazy

B.much lazy

C.much lazier

D.more lazier

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第5题
If you want to learn a new language, the very first thing to think about is why. Do you
need it for a __________ reason, such as your job or your studies？_________ perhaps you’re interested in the _________ ,films or music of a different country and you know how much it will help to have a _________ of the language.

Most people learn best using a variety of _________, but traditional classes are an ideal(理想的)start for many people. They _______ an environment where you can practice under the ________ of someone who’s good at the language. We all lead ________ lives and learning a language takes _______. You will have more success if you study regularly, so try to develop a ________. It doesn’t matter if you haven’t got long. Becoming fluent in a language will take years, but learning to get by takes ________.

Many people start learning a language and soon give up. “I’m too _______,” they say. Yes, children do learn languages more _______ than adults, but research has shown that you can learn a language at any ________. And learning is good for the health of your brain, too. I’ve also heard people ________ about the mistakes they make when ________. Well, relax and laugh about your mistakes ________ you’re much less likely to make them again.

Learning a new language is never ________. But with some work and devotion, you’ll make progress. And you’ll be _________ by the positive reaction of some people when you say just a few words in ________ own language. Good luck!

1.A. technical B. political C. practical D. physical

2.A. After B. So C. Though D. Or

3.A. literature B. transport C. agriculture D. medicine

4.A. view B. knowledge C. form. D. database

5.A. paintings B. regulations C. methods D. computers

6.A. protect B. change C. respect D. provide

7.A. control B. command C. guidance D. pressure

8.A. busy B. happy C. simple D. normal

9.A. courage B. time C. energy D. place

10.A. theory B. business C. routine D. project

11.A. some risks B. a lot less C. some notes D. a lot more

12.A. old B. nervous C. weak D. tired

13.A. closely B. quickly C. privately D. quietly

14.A. age B. speed C. distance D. school

15.A. worry B. hesitate C. think D. quarrel

16.A. singing B. working C. bargaining D. learning

17.A. if B. and C. but D. before

18.A. tiresome B. hard C. interesting D. easy

19.A. blamed B. amazed C. interrupted D. informed

20.A. their B. his C. our D. your

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第6题
How you say things is more important than what you say.(英译中)
How you say things is more important than what you say.（英译中)

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第7题

Frank plays______tennis Alex.

A、a lot more better than

B、very better than

C、a lot better than

D、much better as

A.a lot more better than

B.very better than

C.a lot better than

D.much better as

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第8题
Actions speak_____ than words.

A.louder

B. loud

C. more loud

D. much loud

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第9题
Just about 40% of employees and managers in a North American survey said they know how
they can increase their base pay or cash bonuses. The results suggest employers lose much of the value of the pay raises and bonuses they distribute by not communicating effectively. “Many employees and managers simply don’t understand why they get paid what they do,” points out Rob Heneman, professor of management and human resources, Ohio State University, Columbus. “Businesses can’t get a good return of their compensation investment if people don’t understand how their pay is determined.”

The survey of more than 6,000managers and employees in 26 organizations in the U.S. and Canada showed that employees and managers felt their employers did a good job explaining their performance objectives and the way their performance is measured. They were unclear, though, about how performance was related to pay. Surprisingly, employees reported they knew more about stock options at their companies and how they are determined than how base pay is. However, the results showed that base pay knowledge plays a larger role in overall pay satisfaction than do other forms of compensation, such as bonuses. Employees who had higher levels of pay knowledge showed greater overall pay satisfaction, which, in turn, was linked to higher levels of retention(聘用), commitment to the company, and even trust in management. In other words, Heneman emphasizes, ensuring that employees understand their pay is good for a company’s bottom line.

He feels that corporate culture is often a major problem in dealing with the lack of pay knowledge among workers. In many companies, it is considered taboo—or even explicitly forbidden—to discuss matters dealing with salary. In lieu of (代替) disclosing actual pay amounts of employees to others within the company, management can provide more information about pay practices and policies, such as the process used to determine salary, and the average of raises in a particular year. Workers want more than generalities; they want to know how pay policies apply to their particular situation, Heneman points out. That often means managers need to sit down with their employees one-on-one.

21. What does the North American Survey mainly suggest？

A. If the employers make their pay policy known better, the company would get more in return.

B. If the employers make their pay policy known better, they would get pay raises and bonuses.

C. If the employees know more about the pay policy of the company, they would get more.

D. If the employees know more about the pay policy of the company, they would become one in the management.

22. The employers of many companies failed to ______.

A. explain what their performance objectives were

B. explain the way performance was measured

C. explain the way performance was related to pay

D. explain how performance was related to promotion

23. Which of the following is the most important factor in overall pay satisfaction？

A. Stock options.

B. Bonuses.

C. Corporate culture.

D. Base pay.

24. The employees who understand and are satisfied with their pay would ______.

A. be willing to remain in the bottom line

B. be willing to be loyal and dedicated to the company

C. be ensured that their pay is justified

D. be ensured that their employers are worthwhile

25. What can employers do to help their employees know better how pay is determined？

A. They can shatter the taboo by encouraging discussion about salary matters among the employees.

B. They can disclose pay amounts of employees to others within the company.

C. They can talk with individual employee about how pay policies apply to his particular situation.

D. They can tell all employees the total of raises in a particular year.

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第10题
－How do you go to work？－By bus.Taking buses in Ningbo is_____than taking a taxi.

A.more cheap

B.much cheaper

C.a little cheap

D.less cheaper

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第11题
Modem technology and science have produced a wealth of new materials and new ways of u
sing old materials. For the artist this means wider opportunities. There is no doubt that the limitations of materials and nature of tools both restrict and shape a man's work. Observe how the development of plastics and light metals as well as new methods of welding (焊接法)has changed the direction of sculpture. Transparent plastic materials allow one to look through an object, to see its various sides overlapped with each other (as in Cubism or in an X ray). Today, welding is as prevalent as casting was in the past. This new method encourages open designs, where surrounding and intervening space becomes as important as form. itself.

More ambiguous than other scientific inventions familiar to modem artists, but no less influential, are the psychoanalytic studies of Freud and his followers, discoveries that have penetrated recent art, especially Surrealism. (超现实主义)

The surrealists, in their struggle to escape the monotony and frustrations of everyday life, claimed that dreams were the only hope. Turning to the irrational world of their unconscious, they banished all time barriers and moral judgments to combine disconnected dream experiences from the past, present and intervening psychological states. The surrealists were concerned with overlapping emotions more than with overlapping forms. Their paintings often become segmented capsules of associative experiences. As to them, obsessive and often unrelated images replaced the direct emotional messages of Expressionism. They did not need to smash paint and canvas ; they went beyond this to smash the whole continuity of logical thought.

There is little doubt that contemporary art has taken much from contemporary life. In a period when science has made revolutionary strides, artists in their studios have not been unaware of scientists in their laboratories. At the same time, this has rarely been a one-way street. Painters and sculptors, though admittedly influenced by modem science, have also molded and changed our world. If break-up has been a vital part of their expression, it has not always been a symbol of destruction. Quite the contrary: it has been used to examine more fully, to penetrate more deeply, to analyze more thoroughly, to enlarge, isolate and make more familiar certain aspects of life that earlier were apt to neglect. In addition, at times it provides rich multiple experiences so organized as not merely to reflect our world, but in fact to interpret it.

41.The author argues that Freud's studies .

A.are more comprehensible than other scientific inventions

B.are more controversial than any other scientific findings

C.have been largely influenced by contemporary arts

D.have found their expression in the Surrealism's claims

42.The Surrealism made every endeavor .

A.to transform. real existence into incoherent dreams

B.to diminish all time barriers and moral judgments

C.to express their disconnected unconscious thoughts

D.to substitute direct expressions for fragmented images

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