Fred is second to none in English in our class, but believe it or not, he _____ passed the last exam.

Believe it or not ,our house isn’t ______ their new house bought last month.

Learning to save money when you're young is an important lesson. All good lessons and habits begin early, and saving is a skill that everyone __36__. Many people—adults included—do not have a good __37__ of saving for the long run.

I have been _38__ to learn this lesson early because I have had a grass cutting business since I was 10 years old. 39__ the money I make I spend about 10 percent and save the other 90.

Making sure you save and don't spend too much is a good way to __40__ wealth. I have put my earnings in a bank. Many teens I know spend all the money they earn so it never has a chance to _41__. Young people should __42_ that their teenage years are a great time to begin saving.

If you have a job at high school, you _43__ have fun with some of the money. But you should also save some __44__ it will grow. Then you can begin planning for your future. When you spend money, you not only lose that money, __45__ lose the interest you could have earned by saving it.

After high school, college is __46__， with expenses such as food and rent. If you can  __47__ a good percentage of the money you earn as a teen, going to college and buying a house will be much easier. If you are in your thirties without any savings, you will always have to __48__.

Later in life it can be hard to start saving _49__ general  cost of living is more expensive and you may only have enough to pay your _50__. If you want to buy a house and have a family, you need money to start with, which __51__ saving.

Many say money cannot make you happy, and this is true. But money can help you to lead a __52__ life.

Saving early will mean you will have to work for fewer years when you are older. It will also __53___ you to spend time doing the things that you want to do.__54__， it will mean you can live the way you want to without  55__.

1.A. needs          B. likes            C. arranges     D. expects

2.A. knowledge      B. experience       C. form         D. sense

3.A. foolish            B. fundamental C. lucky        D. grateful

4.A. With           B. Of           C. In               D. From

5.A. divide up          B. build up     C. keep up      D. make up

6.A. break          B. run          C. make             D. grow

7.A. recognize      B. realize          C. research         D. doubt

8.A. must           B. dare         C. should               D. may

9.A. so that            B. in case          C. in that      D. but for

10.A. but               B. and          C. also             D. or

11.A. expensive     B. cheap            C. boring           D. bitter

12.A. hold out          B. hold up      C. hold onto    D. hold back

13.A. survive           B. struggle     C. tolerate         D. die

14.A. if                B. as long as       C. while        D. since

15.A. bills             B. taxes            C. attention            D. consequences

16.A. results from      B. gets from        C. comes from           D. escapes from

17.A. happy         B. simple           C. miserable        D. secure

18.A. forbid            B. allow            C. Advise       D. request

19.A. In addition       B. Above all        C. On the contrary      D. Believe it or not

20.A. consulting        B. worrying     C. resting      D. thinking

. It’s so nice to hear from her again. _____, we last met each other more than 30 years ago.

   A. What’s more   B. Believe it or not   C. In other words   D. That’s to say

I guess you could say that I am “one in a million”______, there are not many people like me.