Ask savvy investors(投资者) how they learned their first lessons about money, and they'll probably tell you lessons their parents taught them.

The money values we learn as children stay with us the rest of our lives. If you are a parent,        71       .  Here's what you can do：

Help your child begin to save. Open savings accounts for your children, and teach them how the bank adds interest to their savings that makes their money grow.          

______72______You may even want to set up a matching program, contributing fifty cents for each dollar your child saves.

Teach your child about stocks(股票). A child in elementary school can start learning about how businesses work.      73       .Then use Morningstar Mutual Fund Guide(available at your library)to find a quality mutual fund that holds some of these companies, or a mutual fund that caters to children such as the Stein Roe Young Investor Fund. Many funds accept regular monthly investments as low as $50 a month,        74        .

Encourage early IRA(个人退休金账户)saving. The new Roth IRA is a great way for children who are working in summers or after school to begin saving for their future. Imagine how much money you'd have today if you had saved $3,000 a year since you were a teenager!

Let your kids handle their own money. We all learn by doing,       75      They may make mistakes, but they will be small mistakes that may help them avoid larger mistakes as adults.

A．you should provide enough money for children so that they can save some

B．teaching your children the value of saving and investing will benefit them the rest of their lives.

C. Once your child understands the basics, ask him or her to think about some of the businesses that might be good stock investments.

D. so letting your kids manage a segment of their budget(预算)will let them earn valuable financial lessons.

E. you should teach your children about investment when he/she is in primary school

F. Encourage your children to save a little from every bit of money they receive, such as allowances, birthday gifts, etc.

G.so these funds can be a good way to teach children about the stock market while saving for their college education.

     Many people often say there is more stress (压力) in today's society than in years past. In fact, these people are comparing our lives with that of the cave man, who didn't have to worry about the stock market or the atomic bomb. They forget that the cave man worried about being eaten by a bear while he was asleep, or about dying of hunger--things that few people worry much about today.
Actually stress is a normal state of affairs, and it's important that people understand what they are talking about when they speak about stress. Whenever anyone experiences something unpleasant, for lack of a better word they say they are under stress. Yet there is such a thing as pleasant stress--as in the case of the Olympic winner at the moment of his glory, or a conductor as his orchestra(乐队) performs particularly well. They are just sending out excitement, and they are giving off all the stress hormones(荷尔蒙)exactly the same as if they were in low spirits or had just heard of a death in the family. We call the pleasant or healthy kind "eustress” and the unpleasant or unhealthy kind "distress".
Then how can people deal with stress? The secret is not to avoid it but to "do your own thing". It implies doing what you like to do and what you are made to do at your own speed. For most people, it is really a matter of learning how to live and how to behave in various situations, to decide: “Do I really want to take my father's business or be a musician?” If you really want to be a musician, then be one.
56. What can be inferred from the first paragraph?
A. Modern people experiences more stress than the cave man.
B. The cave man experienced more stress than modern people.
C. People don't suffer more stress today; it's just that they think they do.
D. Modern people have the same worries as the cave man did.
57. In which of the following situations will you feel "eustress"?
A. Your favorite football team has lost an important game.
B. You have failed an important examination.
C. You are informed of an accident of your best friend.
D. You have won the first prize in an English competition.
58. The purpose of writing the passage is to let us know
A. stress does not necessarily refer to unpleasant experience
B. distress is what people call the pleasant kind of stress
C. an Olympic winner feels the same stress as one who loses a family member
D. people will feel eustress and distress at the same time
59. According to the passage, how can people deal with stress?
A. Do things that you really want to do.
B. Do whatever you're expected to do.
C. Try to do things successfully.
D. Refuse to do whatever you're told to.

The American newspaper has been around for about three hundred years. In 1721, the printer James Franklin, Benjamin’s older brother, started the New England Courant, and that was what we might recognize today as a real newspaper. He filled his paper with stories of adventure, articles on art, on famous people, and on all sorts of political subjects.

Three centuries after the appearance of Franklin’s Courant, few believe that newspapers in their present printed from will remain alive for long. Newspaper companies are losing advertisers(广告商)，readers, market value, and in some cases, their sense of purpose at a speed that would not have been imaginable just several years ago. The chief editor(主编) of the Times said recently, “At places where they gather, editors ask one another, ‘How are you?’, as if they have just come out of the hospital or a lost law case.” An article about the newspaper appeared on the website of the Guandian, under the headline “NOT DEAD YET.”

Perhaps not, but the rise of the Internet, which has made the daily newspaper look slow and out of step with the world, has brought about a real sense of death. Some American newspapers have lost 42% of their market value in the past three years. The New York Times Company has seen its stock(股票) drop by 54% since the end of 2004, with much of the loss coming in the past year. A manager at Deutsche Bank suggested that stock-holders sell off their Times stock. The Washington Post Company has prevented the trouble only by changing part of its business to education; its testing and test-preparation service now brings in at least half the company’s income.

What can we learn about the New England Courant?

A. It is mainly about the stock market.

B. It marks the beginning of the American newspaper.

C. It remains a successful newspaper in America.

D. It carries articles by political leaders.

What can we infer about the newspaper editors?

A. They often accept readers’ suggestions.

B. They care a lot about each other’s health.

C. They stop doing business with advertisers.

D. They face great difficulties in their business.

Which of the following found a new way for its development?

A. The Washington Post.

B. The Guardian.

C. The New York Times.

D. New England Courant.

How does the author seem to feel about the future of newspapers?

A. Satisfied.

B. Hopeful.

C. Worried.

D. Surprised.

It is a matter of common observation that although incomes keep going up over the years，people never seem to become much better off! Prices are rising continuously．The condition is termed(称作) one kind 0f inflation, the money supply is becoming inflated so that each unit of it becomes less valuable．People have got used in recent years to higher and higher rates of inflation．
What could be bought ten years ago for one dollar now costs well over two dollars. It seems that this rate of inflation is tending to rise rather than to fall．If in the real world our money incomes go up at the same rate as prices，one might think that inflation does not matter．But it does when money is losing value，it lacks one of the qualities of a good money---stability (稳定) of value．It is no longer acceptable as a store of value；and it becomes an unsuitable standard of deferred(延期) payments．Nobody wants to hold a wasting possession，so people try to get rid of money as quickly as possible. Inflation therefore stimulates people spending，and prevents people from saving.
【小题1】
What does inflation mean?

How should one invest a sum of money in these clays of inflation (通货膨胀)? Left in a bank it will hardly keep its value, however high the interest rate. Only a brave man, or a very rich one, dares to buy and sell on the Stock Market. Today it seems that one of the best ways to protect your savings, and even increase your wealth is to buy beautiful objects from the past. Here I am going to offer some advice on collecting antique clocks, which I personally consider are among the most interesting of antiques.

   I sometimes wonder what a being from another planet might report back about our way of life. "The planet Earth is ruled by a mysterious creature that sits or stands in a room and makes a strange ticking sound. It has a face with twelve black marks and two hands. Men can do nothing without its permission, and it fastens its young round people's wrists so that everywhere men go they are still under its control. This creature is the real master of Earth and men are its slaves."

     Whether or not we are slaves of time today depends on our culture and personality, but it is believed that many years ago kings kept special slaves to tell the time. Certain men were very clever at measuring the time of clay according to the beating of their own hearts. They were made to stand in a fixed place and every hour or so would shout tire time. So it seems that the first clocks were human beings.

     However, men quickly found more convenient and reliable ways of telling the time. They learned to use the shadows cast by the sun. They marked the hours on candles, used sand in hour- glasses, and invented water-clocks. Indeed, any serious student of antique should spend as much time as possible visiting palaces, stately homes and museums to see some of the finest examples of clocks from the past.

    Antique clocks could be very expensive, but one of the joys of collecting clocks is that it is still possible to find quite cheap ones for your own home. After all, if you are going to be ruled by time, why not invest in air antique clock and perhaps make a future profit?

1.According to the passage, collecting antique clocks____.

A.     can hardly keep the value of your savings

B.      will cost much of your savings

C.      may increase your wealth

D.     needs your bravery

2.By quoting (引用) the remark of a being from another planet, the author intends to____.

A. suggest human beings are controlled by a clock

B. describe why clocks can rule the planet Earth

C. tell readers what clocks look like

D. compare chicks to human beings

3. Which of the following is NOT mentioned as a way to measure the time?

A. Counting the beating of one's own heart.

B. Making use of candles, sand and water.

C. Observing shadows cast by the sun.

D. Keeping slaves busy day and night.

4.The underlined phrase stately homes in paragraph 4 means

A.     state-owned houses

B.      houses in very good condition

C.      grand houses open to the public

D.     houses where statesmen meet regularly

5.The purpose of the passage is

A. to introduce the culture of antique clocks

B. to offer some advice on collecting antique clocks

C. to compare different ways to make a future profit

D. to explain convenient and reliable ways of telling time