Everybody in this world is different from one another．But do you know that understanding differences can help you better manage your money?

　　　 As we grow up, we gradually develop a set of our own values or beliefs. These are influenced by society, our family, the education we receive and so on. Once this value system is set up, it’s not easy to change later in life. Financial experts say that everyone also has their own belief of how to manage their finances. This is part of our value system and it has a great impact on the way we look after our money. According to our different values, experts put us in three categories. They are the ant, the cricket and the snail.

The ant—works first

Just like ants who work heart and soul in summer in order to store food for winter, these people don’t care about enjoying the moment. They work very hard and save money they earn so that they can enjoy life when they get old and retire. The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk.

The cricket—fun first

The cricket wants to enjoy everything now and doesn’t think too much about the future. They even borrow money when they really want something. Many young people now belong to this group. These people have little savings. When they get old, they might have problems. They should learn to save and buy insurance.

The snail—lives under pressure

The snail refers to people who make life difficult for themselves. They take big long-term loans（代款） from the bank in order to buy things such as luxury houses. They are happy to take big loans even though they are not sure they can afford it. This can cause problems in the future. They should plan more carefully.

64．According to this passage, one's values _　　　　　　 .

A．may not change easily in one's lifetime 　　　 B． may he his ways of managing money

　 C．may he his beliefs about society　　　 　　　 D． determine his family and education

65．Mr．Smith always, enjoys spending a weekend with his friends, fishing hunting and playing cards．Moreover, he spends money in a very luxurious way．So Mr．Smith belongs to_　　　　 ．

　 A．the ant type　　 B．the snail type　　 C．the cricket type　　 D．none of them

66．The writer of the passage seems to be in favor of 　　　　　　　 ．

　 A． the cricket　 　　 B． the snail　　 　　 C． the ant　 　　　　　 D． all of them

67．Which is the most suitable title of this passage?

　 A． How to understand your values　　　　 　 B．What comes first

　 C． Work and fun　 　　　　　　　　　　　　　　　　　 D．Spending kinds

　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　　

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.

1. Bill Gates

Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people. Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.

2. Steve Jobs

The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.

3. Frank Lloyd Wright

As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.

1.What does“dropouts”in Paragraph One mean?

   A. Hardworking students.

B. Very successful students.

   C. Students failing to finish their school education.

D. Students from poor families.

2.Which of the following is right according to Paragraph One?

   A. People graduating from famous universities are more likely to get jobs.

   B. Many successful people had the experience of giving up their school education.

   C. If one has a lot of gold, he will become very rich one day.

   D. We should stop our college education to follow in those successful people’s steps.

3.According to the writer, Bill Gates _________.

   A. is richer than any other man in the world

B. is well-known in Harvard University 

C. finally finished his study at Harvard and got a doctorate degree

   D. is the only founder of Microsoft

4.Which of the following statements can’t be learned from the last two paragraphs?

A. The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B. Jobs thought his six-month college education gave him no help.

C. Wright’s teacher was a very famous artist.

D. Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

5.What does the author want to tell us in this passage?

A. Successful people often have unordinary life experience.

B. College education is not so important to one’s success.

C. People from poor families are more likely to give up their college education.

D. Even without college education, one can still achieve success with one’s hard work.

 

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.

1. Bill Gates

Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people. Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.

2. Steve Jobs

The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.

3. Frank Lloyd Wright

As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.

1. What does“dropouts”in Paragraph One mean?

   A. Hardworking students.                       B. Very successful students.

   C. Students failing to finish their school education.   D. Students from poor families.

2.Which of the following is right according to Paragraph One?

   A. People graduating from famous universities are more likely to get jobs.

   B. Many successful people had the experience of giving up their school education.

   C. If one has a lot of gold, he will become very rich one day.

   D. We should stop our college education to follow in those successful people’s steps.

3.According to the writer, Bill Gates _________.

   A. is richer than any other man in the world

B. is well-known in Harvard University 

C. finally finished his study at Harvard and got a doctorate degree

   D. is the only founder of Microsoft

4.Which of the following statements can’t be learned from the last two paragraphs?

A. The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B. Jobs thought his six-month college education gave him no help.

C. Wright’s teacher was a very famous artist.

D. Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

5. What does the author want to tell us in this passage?

A. Successful people often have unordinary life experience.

B. College education is not so important to one’s success.

C. People from poor families are more likely to give up their college education.

D. Even without college education, one can still achieve success with one’s hard work.

 

閱讀下列短文，從每題所給的四個選項中選出最佳選項。

　　Some people have it easy．When their children ask them what they do at work，they can give a simple，direct answer，“I put out fires，” or“I fix sick people，”or“I teach primary school．”As a theoretical（理論）physicist，I never had this luck．Society has come to expect many things from the physicists．It used to be that we only had to discover the basic laws of the world and supply the techniques that would power the next Silicon Valley（硅谷）．With these expectations we were fairly comfortable：they are the sorts of things we think we know how to work．What makes us uncomfortable-and what makes it hard for us to tell our children what we're up to-is that in this century we have become，though unwillingly，great figures on questions such as“What is the nature of reality？”

　　We now deal with a whole new class of problems．We ask how the world began and what is the nature of matter．The answers we are coming up with are just not easy for the average person．

　　So，when physicists get out of their cars in the morning，have a cup of coffee and sit down in front of their computers，they leave a familiar world and enter a place where things ace in strange ways that are impossible for ordinary people to understand．

1．According to the passage，in a way physicists are________ ．

[　　]

2．By what the writer says about physicists，we know that physicists________ ．

[　　]

A．don't like their careers（職業(yè)）

B．live in two different worlds

C．a(chǎn)re coming up with new answers to old questions

D．don't have to tell people what they are doing

3．From the passage we can conclude that theoretical physicists________ ．

[　　]

A．contributed to the new industry in Silicon Valley

B．only have to answer the basic questions about the world

C．have disappointed the expectations of many people

D．have found it hard to make themselves popular

4．What's the main idea of the passage？

[　　]

A．Society seems to know a bit about physicists'work

B．Most people are expecting to know what physicists are doing．

C．Physicists are doing and more difficult jobs

D．It's impossible for average people to know physicists'work

Intellectual property (IP) is a product of the mind that has commercial value. The concept dates back to 1623 when the first patent law to protect IP rights was passed. IP rights protect an artist from having his/her creative ideas copied by another. For example, if somebody generates an idea for a novel, that idea is protected by IP rights. If someone else wishes to represent the idea or develop it further, he/ she must consult the original artists, who will normally be rewarded financially for its use. Back in the 17^th century, IP rights were primarily carried out to protect newly developed manufacturing processes against stealing. But today, intellectual property rights are also enjoyed by those who create music, art and literature.

In recent years, IP rights have been the focus of a great deal of discussion because of a technology which seems to weaken them altogether: the Internet. Many years ago, if you wanted a recording of a song, you would have to purchase it from a music store; if a novel, from a book store. In those days, IP rights were easily protected since it was very difficult to obtain intellectual property without paying for it. However, a lot of IP, including songs, films, books and artwork, can be downloaded today free of charge using the Internet. This practice has now taken the world by storm, dramatically affecting the way in which we view IP rights.

64. According to the writer, in the beginning, IP rights were mainly of use to ______.

A. those creating music, art and literature　

B. engineers and inventors

　 C. novelists　　　　　　

D. those not receiving financial reward for their work

65. What do we know about the Internet according to the passage?

　 A. It makes IP rights harder to protect.

　 B. It sells songs and films.

　 C. It does not affect the way we understand IP rights.

　 D. It prevents the production of artwork.

66. According to paragraph 2, what has “taken the world by storm”?

　 A. Intellectual property rights.　 B. The Internet.

　 C. Free downloading.　　　　　 D. The large number of songs, films and books.

　

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.

1. Bill Gates

Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people.Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.

2. Steve Jobs

The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.

3. Frank Lloyd Wright

As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.

1.What does“dropouts”in Paragraph One mean?

A．Hardworking students.

B．Very successful students.

C．Students failing to finish their school education.

D．Students from poor families.

2.Which of the following is right according to Paragraph One?

A．People graduating from famous universities are more likely to get jobs.

B．Many successful people had the experience of giving up their school education.

C．If one has a lot of gold, he will become very rich one day.

D．We should stop our college education to follow in those successful people’s steps.

3.According to the writer, Bill Gates _________.

A．is richer than any other man in the world

B．is well-known in Harvard University

C．finally finished his study at Harvard and got a doctorate degree

D．is the only founder of Microsoft

4.Which of the following statements can’t be learned from the last two paragraphs?

A．The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B．Jobs thought his six-month college education gave him no help.

C．Wright’s teacher was a very famous artist.

D．Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

5.What does the author want to tell us in this passage?

A．Successful people often have unordinary life experience.

B．College education is not so important to one’s success.

C．People from poor families are more likely to give up their college education.

D．Even without college education, one can still achieve success with one’s hard work.

 

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.

1. Bill Gates

Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people. Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.

2. Steve Jobs

The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.

3. Frank Lloyd Wright

As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.
41. What does“dropouts”in Paragraph One mean?
　 A. Hardworking students.　　　　　　　　　　　 B. Very successful students.
　 C. Students failing to finish their school education.　 D. Students from poor families.
42. Which of the following is right according to Paragraph One?
　 A. People graduating from famous universities are more likely to get jobs.
　 B. Many successful people had the experience of giving up their school education.
　 C. If one has a lot of gold, he will become very rich one day.
　 D. We should stop our college education to follow in those successful people’s steps.
43. According to the writer, Bill Gates _________.
　 A. is richer than any other man in the world

B. is well-known in Harvard University

C. finally finished his study at Harvard and got a doctorate degree
D. is the only founder of Microsoft

44. Which of the following statements can’t be learned from the last two paragraphs?

A. The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B. Jobs thought his six-month college education gave him no help.

C. Wright’s teacher was a very famous artist.

D. Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

45. What does the author want to tell us in this passage?

A. Successful people often have unordinary life experience.

B. College education is not so important to one’s success.

C. People from poor families are more likely to give up their college education.

D. Even without college education, one can still achieve success with one’s hard work.

　　　　　　　　　　　

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.
1. Bill Gates
Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people.Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.
2. Steve Jobs
The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.
3. Frank Lloyd Wright
As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.
【小題1】 What does“dropouts”in Paragraph One mean?

A．Hardworking students.	B．Very successful students.
C．Students failing to finish their school education.	D．Students from poor families.

【小題2】Which of the following is right according to Paragraph One?

A．People graduating from famous universities are more likely to get jobs.

B．Many successful people had the experience of giving up their school education.

C．If one has a lot of gold, he will become very rich one day.

D．We should stop our college education to follow in those successful people’s steps.

【小題3】According to the writer, Bill Gates _________.

A．is richer than any other man in the world

B．is well-known in Harvard University

C．finally finished his study at Harvard and got a doctorate degree

D．is the only founder of Microsoft

【小題4】Which of the following statements can’t be learned from the last two paragraphs?

A．The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B．Jobs thought his six-month college education gave him no help.

C．Wright’s teacher was a very famous artist.

D．Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

【小題5】 What does the author want to tell us in this passage?

A．Successful people often have unordinary life experience.

B．College education is not so important to one’s success.

C．People from poor families are more likely to give up their college education.

D．Even without college education, one can still achieve success with one’s hard work.

In modern society, receiving systematic college education seems a necessary way for success as a graduate from first-class university may always get more opportunities than others. However, if it is gold, it will shine one day. In this article, we will get to know three most successful people in U.S. who never finished their college education. Following experiences of these successful dropouts may give you some inspiration.
1. Bill Gates
Harvard’s campus paper “Harvard Crimson” called Bill Gates “Harvard’s most successful dropout,” while the rest of the world preferred to name him “the world’s richest man” for more than a decade. Now, even not on the top, he is still among the list of the world’s wealthiest people.Gates entered Harvard in the fall of 1973. Two years later, he dropped out to found Microsoft with friend Paul Allen. And in 2007, he finally received an honorary doctorate from Harvard.
2. Steve Jobs
The iPad, even Buzz Lightyear probably wouldn’t have existed if Steve Jobs stayed in school. Because his family couldn’t afford his college education, Jobs had to drop out of Reed College just after entering for 6 months. Then he found Apple, NeXT Computer and Pixar, which had made great influences on development of modern technique and culture. However, this wizard thought that his brief college education was not worthless.
3. Frank Lloyd Wright
As the America’s most celebrated architect, Wright spent more time on designing colleges rather than attending classes in them. Once spent one year in the University of Wisconsin-Madison, then he left for Chicago and started to learn from Louis Sullivan, the “father of modernism." Wright’ s splendid resume included more than 500 works, most famous of which are Fallingwater and New York City's Solomon R. Guggenheim Museum.
【小題1】What does“dropouts”in Paragraph One mean?

A．Hardworking students.

B．Very successful students.

C．Students failing to finish their school education.

D．Students from poor families.

【小題2】Which of the following is right according to Paragraph One?

A．People graduating from famous universities are more likely to get jobs.

B．Many successful people had the experience of giving up their school education.

C．If one has a lot of gold, he will become very rich one day.

D．We should stop our college education to follow in those successful people’s steps.

【小題3】According to the writer, Bill Gates _________.

A．is richer than any other man in the world

B．is well-known in Harvard University

C．finally finished his study at Harvard and got a doctorate degree

D．is the only founder of Microsoft

【小題4】Which of the following statements can’t be learned from the last two paragraphs?

A．The reason for Jobs’ dropping his college education is that his parents couldn’t pay for it.

B．Jobs thought his six-month college education gave him no help.

C．Wright’s teacher was a very famous artist.

D．Wright is the designer of New York City’s Solomon R. Guggenheim Museum.

【小題5】What does the author want to tell us in this passage?

A．Successful people often have unordinary life experience.

B．College education is not so important to one’s success.

C．People from poor families are more likely to give up their college education.

D．Even without college education, one can still achieve success with one’s hard work.