How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer. 2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics. 3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive. 4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future.__4__内应为（）A、Plan wisely and do not assume the best about your business.B、Why do you want to start your own business?C、The tragic reality is that when business fail, the passion often dies with it.D、Keep that passion at the forefront of your business plan, your marketing strategies, and your daily routine.E、If you have ever purchased a new home, you know that the financial obligations extend beyond the down payment and the mortage.F、If you are starting an Internet company, research the requirements for your own unique Web presence.
How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer. 2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics. 3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive. 4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future. __4__内应为（）
- A、Plan wisely and do not assume the best about your business.
- B、Why do you want to start your own business?
- C、The tragic reality is that when business fail, the passion often dies with it.
- D、Keep that passion at the forefront of your business plan, your marketing strategies, and your daily routine.
- E、If you have ever purchased a new home, you know that the financial obligations extend beyond the down payment and the mortage.
- F、If you are starting an Internet company, research the requirements for your own unique Web presence.
相关考题：
听力原文：With a current account, your money is immediately available.(8)A．You have to deposit your money once a month.B．You can use your money at any time you need it.C．Your money is immediately run out.D．Your money can immediately make more money.
【A1】A.MIND YOURSELF THAT DON"T BE A SLAVE TO EMAIL.B.YOU SHOULD PLAN YOUR DAY AT THE START OF EACH DAY.C.GETTING YOUR OFFICE ORGANIZED WILL IMPROVE YOUR WORKING EFFICIENCY.D.TAKING ADVANTAGE OF SOME RIGHT SOFTWARE COULD HELP YOU A LOT.E.YOU CAN DELEGATE TASKS TO OTHERS INSTEAD OF DOING THEM YOURSELF. DON"T SPEND HALF YOUR WORK DAY ON FACEBOOK AND THEN BRAG ABOUT IT IF YOU SPEND TOO MUCH TIME WORKING IN YOUR BUSINESS, YOU WON"T HAVE ENOUGH TIME TO WORK ON YOUR BUSINESS.THAT IS, IF ALL YOU HAVE DONE IS CREATE A JOB FOR YOURSELF, THAT"S A MISTAKE.IT IS FAR BETTER, AND SMARTER, TO FIGURE OUT HOW TO FREE YOURSELF UP TO BE MORE ENTREPRENEUR, LESS WORKER.HERE"S HOW: 【A1】______ BEFORE THE CRAZINESS OF THE DAY SETS IN, BEGIN BY LOOKING AT WHAT IS COMING UP AND THEN PRIORITIZE IT.MAKE A LIST AND TRY TO FOLLOW IT.THAT WAY, INSTEAD OF EVENTS CONTROLLING YOU, YOU CONTROL THEM.YOU DON"T WANT TO SPEND YOUR DAYS PUTTING OUT FIRES. IF YOU HAVE A DAY PLANNER, USE IT.IF YOU USE OUTLOOK OR A BLACKBERRY INSTEAD, BE SURE TO TAKE ADVANTAGE OF THEIR BUILT-IN ORGANIZATIONAL TOOLS. 【A2】______ THERE ARE SO MANY TIME-SAVING PRODUCTIVITY SOFTWARE TOOLS OUT THERE THAT IT IS A MISTAKE NOT TO USE AND TAKE ADVANTAGE OF THEM.SOFTWARE.SOFTWARE MAKERS SPEND AN INORDINATE A-MOUNT OF EFFORT ON R-D, LEARNING WHAT IT IS WE SMALL BUSINESS PEOPLE NEED.THEY THEN CREATE POWERFUL SOFTWARE APPLICATIONS DESIGNED TO FILL THOSE NEEDS. BUY THEM.LEARN THEM.USE THEM. THE MISTAKE MANY OF US MAKE IS THAT WE GET THIS GREAT SOFTWARE AND NEVER TAKE THE TIME TO LEARN EVERYTHING IT CAN DO FOR US.A DAY OF TRAINING CAN MAKE YOU FAR MORE ORGANIZED AND EFFECTIVE.CHECK OUT PROJECT MANAGEMENT SOFTWARE, OR CUSTOMER RELATIONSHIP, ETC THEY CAN REALLY HELP. 【A3】______ WHEN I READ THAT THE AUTHOR OF THE 4-HOUR WORK SPENT A LITTLE MORE THAN AN HOUR A WEEK ON E-MAIL I WAS INCREDIBLY JEALOUS.FEW OF US HAVE FIGURED OUT HOW TO STOP THE ONSLAUGHT OF EMAIL TO THAT DEGREE, BUT EVEN SO, IT IS POSSIBLE TO BE SMARTER ABOUT EMAIL: DESIGNATE THE AMOUNT OF TIME A DAY YOU WANT TO SPEND DOING EMAIL AND STICK TO IT. SET ASIDE TIME FOR EMAIL ONCE OR TWICE A DAY, AND AGAIN, STICK TO IT. THE MISTAKE SOME MAKE IS GETTING SO CAUGHT UP IN EMAIL THAT THEY CHECK IT SEVERALTIMES A DAY (OR HOUR!) 【A4】______ CONSTANTLY SEARCHING THROUGH STACKS OF PAPERS AND PILES OF NOTES IS NO WAY TO RUN AN OFFICE.GET THE OFFICE SUPPLIES YOU NEED AND PUT THEM WHERE YOU WILL USE THEM. COLOR-CODE FILES.GET A SHREDDER.BUY A BIGGER FILE CABINET.GET AN EXTRA BOOKCASE.ORGANIZING YOUR OFFICE IS ONE OF THE EASIEST, MOST AFFORDABLE THINGS YOU CAN DO TO BE MORE PRODUCTIVE. 【A5】______ YOU DON"T HAVE TO DO EVERYTHING YOURSELF.GIVING SOME OF YOUR WORKLOAD TO OTHERS WILL FREE YOU UP TO USE YOUR TIME BETTER, AND YOU WOULD DO MORE BUSINESS USING SAVED TIME. BEING UNORGANIZED COSTS YOU TIME; TIME THAT COULD OTHERWISE BE SPENT GROWING YOUR BUSINESS.YET WITH ONLY A FEW TWEAKS, RUNNING YOUR BUSINESS COULD BE EASIER, MORE ENJOYABLE, AND LESS STRESSFUL.AND WHO COULDN"T USE A LITTLE OF THAT RIGHT NOW? ANYTHING YOU CAN DO TO BE MORE PRODUCTIVE IS A SMART MOVE.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert,then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'II have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee. If you draw your money before it is due,you will have toA:pay interest to the bank. B:close your account.C:open a new account. D:pay a penalty or fee,
根据下面资料，回答Bum rate is the speed at which a start up business consumes money. My rate would be $50,000 a month when my new media company started. So, I began looking around for individuals who would be my first investors. "Angel money" it was called. But when I reviewed my list of acquaintances to find those who might be able to help, I found the number got small. With no other choices, I began meeting with the venture-capital companies. But I was warned they took a huge share of your company for the money they put in. And if you struggled, they could drop you cold. As I was searching for "angel money", I started to build a team who trusted me even though I didn′t have money for paying checks yet. Bill Becker was an expert in computer programming and image processing at a very famous Media Lab at M.I.T. With his arrival, my company suddenly had a major technology "guy" in-house. Katherine Henderson, a film maker and a former real-estate dealer, joined us as our director of market research. Steve White came on as operating office. He had worked for the developer of a home-finance software, Quicken. We grabbed him. We had some really good people, but we still didn′t have enough money. One night, my neighbor, Louise Johnson, came for a visit. She and I were only nodding acquaintances, but her boys and ours were constant companions. She ran a very good business at the time. Louise was brilliant and missed nothing. She had been watching my progress closely. She knew I was dying for money and I had prospects but could offer no guarantees of success. She told me that her attorney had talked to mine and the terms had been agreed upon. She handed me an envelope. Inside was a check for $500,000. I almost fell down. I heard her voice as if from heaven. "I have confidence in your plan," she said. "You′ll do well. You′re going to work for it, but it′ s satisfying when you build your own company." Who could have thought I′ d find an angel so close to home? There were no words sufficient for the moment. We just said good night. She left and I just stood there, completely humbled and completely committed. To get help from a venture-capital company, you may have to _____________.A.put up with unfair termsB.change your business lineC.enlarge your business scopeD.let them operate your business
When I opened the first "Body Shop" in 1976, what I wanted to do was to earn （挣） enough money to feed my children. Today the "Body Shop" is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what you really believe in.It's not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my family and to feel excited by something unusual. I have always wanted the people who work for the "Body Shop" to feel the same way.Now this book sends these ideas out into the world, and makes them public. I'd like to think there are no limits （界限） to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.What would someone learn from this text?A. How to make a lot of money.B. How to write a book about business.C. What the book is about.D. What the writer's family is like.
When I opened the first "Body Shop" in 1976, what I wanted to do was to earn （挣） enough money to feed my children. Today the "Body Shop" is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what you really believe in.It's not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my family and to feel excited by something unusual. I have always wanted the people who work for the "Body Shop" to feel the same way.Now this book sends these ideas out into the world, and makes them public. I'd like to think there are no limits （界限） to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.How does the writer feel about the business she runs?A. It's the biggest company in the world.B. It will possibly be more successful.C. It's one of the most successful businesses.D. It is the only company that is growing all around the world.
共用题干Interview with Allan Gray1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff. If you made a bad decision as a boss,you had______.A: to lose your houseB: to manage your employeesC: to keep independentD: to lend you moneyE: to take the responsibility for itF: to make profit
共用题干Interview with Allan Gray1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff. The difficult thing to start a business is to persuade banks______.A: to lose your houseB: to manage your employeesC: to keep independentD: to lend you moneyE: to take the responsibility for itF: to make profit
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.If you draw your money before it is due,A:you have to pay interest to the bank.B:you have to close your account.C:you have to open a new account.D:you have to pay a penalty or fee.
共用题干Interview with Allan Gray1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff. Besides financial and marketing challenges,you must know how______.A: to lose your houseB: to manage your employeesC: to keep independentD: to lend you moneyE: to take the responsibility for itF: to make profit
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.A bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for.If you are saving to buy a dictionary or to go to a concert,then probably keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money.If you put your money in a piggy bank（猪形储蓄罐）,one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is the amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year.A bank statement tells you how much money there is in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Since the bank is using your money for that time period,it will pay you interest.You will earn more interest with a CD than in a savings account.Can you guess why?It's because you promise to leave your money in the bank for a certain period of time.Banks pay different rates of interest.So,you may want to compare rates in newspaper ads before buying a CD.Which way will help your money earn more money?A:Putting your money in your room.B:Putting your money in a piggy bank.C:Putting your money in your pocket.D:Putting your money in a savings account.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Your money will earn more money if you put itA:in your room. B:in a piggy bank.C:in your pocket. D:in a savings account.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells youA:the amount of money you have in the bank.B:the current rates of interest.C:the current rates of exchange.D:the best way to save your money.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.The word"touch" in paragraph 7 could be best replaced byA:"deposit". B:"lend".C:"use". D:"cash".
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.If you draw your money before it is due,you will have toA:pay interest to the bank. B:close your account.C:open a new account. D:pay a penalty or fee.
共用题干第二篇Saving MoneyWhere you save your money often depends on what you are saving for. If you are saving to buy a CD（光盘）or to go to a concert, then probably you would keep your money somewhere in your room.If you are saving for a big purchase like a mountain bike or a school trip,where would you save your money?One place to save money is the bank.Putting your money in a savings account will help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）, one year later you'll still have the same amount of money you put in.If you put your money in a savings account,one year later,you'll have more money than you put in.Why?When you keep your money in a bank,your money earns interest.Interest is an amount of money a bank pays you to use your money.The bank uses your money(and the money of other people,too)to loan money to people and businesses.The bank will send you a statement several times a year. A bank statement tells you how much money you have in your account.It also tells you how much interest you have earned.If you leave your money in the bank,you can watch it grow!Another way you can save money is to buy a certificate of deposit or CD.If you have some money that you don't need to use for a long time,this is a good way to make your money grow.You can buy a CD at a bank.You agree not to use the money for a certain period of time.That period might be from six months to five years.You can't touch your money during that time.If you do,you must pay a penalty,or fee.A bank pays you interest forA:wasting your money. B:losing your money.C:using your money. D:decreasing your money.
Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.According to the author, money is the most important in HWR.（ ）A、TrueB、FalseC、Not Given
Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.Although money is part of their life, some people don’t attach more importance to it.（ ）A、TrueB、FalseC、Not Given
单选题Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system.Some people use money to cultivate their hobbies.（）ATrueBFalseCNot Given
问答题Practice 1 Keep in mind this important point in reference to your vocabulary improvement program. If you can personalize your new words, if you can make them bear some relationship to yourself and your way of living, you then materially increase your chances of making these words a permanent part of your vocabulary. You cannot learn words in a vacuum. That is, if a word cannot be made to have a bearing on your life, if it cannot be brought within the circle of your own thoughts, if it cannot be made a part of your own personality or of your attitudes, then that word will remain useless to you.
单选题How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer. 2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics. 3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive. 4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future.___2___内应为（）APlan wisely and do not assume the best about your business.BWhy do you want to start your own business?CThe tragic reality is that when business fail, the passion often dies with it.DKeep that passion at the forefront of your business plan, your marketing strategies, and your daily routine.EIf you have ever purchased a new home, you know that the financial obligations extend beyond the down payment and the mortage.FIf you are starting an Internet company, research the requirements for your own unique Web presence.
问答题Debt Financing The most common source of debt financing for start-ups often isn’t a commercial lending institution, but family and friends. It makes sense. People with whom you have close relationships know you are reliable and competent, so there should be no problem in asking for a loan, right? Keep in mind, however, that asking for financial help isn’t the same as borrowing the car. While borrowing money from family and friends may seem an easy alternative to dealing with bankers, it can actually be a much more delicate situation and it’s important to be as disciplined as you would be in dealing with a professional investor. Here are some basic rules: Treat them as if they were strangers. Forget for the moment that your investor is a friend or family member. Make it an arm’s length transaction, and insist on the same sort of legal documentation you would prepare if your investor was a total stranger. Why? Because too many entrepreneurs borrow money from family and friends on an informal basis. The terms of the loan have been verbalized but not written down in a contract. Lending money can be tricky for people who can’t view the transaction at arm’s length; if they don’t feel you are running your business correctly, they might step in and interfere with your operations. In some cases, you can’t prevent this, even with a written contract, because many state laws guarantee voting fights to an individual who has invested money in a business. This can, and has, created a lot of hard feelings. Make sure to check with your attorney before accepting any loans from friends or family. So if it’s a loan, have your lawyer prepare an I.O.U. (called a promissory note) for the friend or family member, and don’t offer less than a commercial interest rate. Debt may actually be better than equity. If someone lends you money, you only have to pay it back, with interest. They can’t tell you how to run your company. If someone buys stock in your business, they are legally your business partner. When in doubt, make it a loan, and pay it back as soon as you can. Tie all payments to your cash flow. Try to avoid obligations with fixed repayment schedules. Consider instead cash flow obligations, in which your investor will receive a percentage of your operating cash flow (if any) until they either have been repaid in full with interest, or have achieved a specified percentage return on their investment. Consider nonvoting stock. If your friend or family member insists on buying stock in your company, try to make it nonvoting stock, so they don’t have the right to second-guess your every management decision.
问答题Practice 1 Suppose you have made an appointment with your friend at 5 p.m., but you have some urgent business to attend to and have to cancel your appointment. Write a note to your friend. (1) explaining why you have to cancel your appointment (2) making an apology for that (3) telling him how you plan to make up for it You should write approximately 100 words. Do not sign your own name at the end of your note. Use “Wang Lin” instead.
单选题Customer: I think I’ll have the tomato soup to start._____ Waiter: Right. And would you like croutons in your soup? Customer: No, thank you. Waiter: How would you like your steak? Rare, medium or well done?AAnd I’d like some teaBAnd I’d also like a steak.CAnd perhaps some orange juice. DAnd I’d like to order now.
单选题I _____ to be present at your birthday party, but business interfered. I hope you will forgive me.Aam to have intendedBwas to intendCwas to have intendedDought to intend
单选题What business do you have? —I want to see your （）(船长).AbosunBchief officerCcaptainDpilot