单项选择题
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.
单项选择题
Income
Income may be national income and personal income. Whereas national income is defined as the total earned income of all the factors of production-namely, profits, interest, rent, wages, and other compensation for labor, personal income may be defined as total money income received by individuals before personal taxes are paid. National income does not equal GNP (Gross National Product) because the factors of production do not receive payment for either capital consumption allowances or indirect business taxes, both of which are included in GNP. The money put aside for capital consumption is for replacement and thus is not counted as income. Indirect taxes include sales taxes, property taxes , and excise taxes that are paid by businesses directly to the government and so reduce the income left to pay for the factors of production. Three-fourths of national income goes for wages, salaries, and other forms of compensation to employees.
Whereas national income shows the income that the factors of production earn, personal income measures the income that individuals or households receive. Corporation profits are included in national income because they are earned. Out of these profits, however, corporation profit taxes must be paid to the government, and some money must be put into the business for expansion. Only that part of profits distributed as dividends goes to the individual; therefore, out of corporation profits only dividends count as personal income. The factors of production earn money for social security and unemployment insurance contributions, but this money goes to government (which is not a factor of production), not to individuals. It is therefore part of national income but not part of personal income.
On the other hand, money received by individuals when they collect social security or unemployment compensation is not money earned but money received. Interest received on government bonds is also in this category, because much of the money received from the sale of bonds went to pay for war production and that production no longer furnishes a service to the economy.
The money people receive as personal income may be either spent or saved. However, not all spending is completely voluntary. A significant portion of our income goes to pay personal taxes. Most workers never receive the money they pay in personal taxes, because it is withheld from their paychecks. The money that individuals are left with after they have met their tax obligations is disposable personal income. Disposable income can be divided between personal consumption expenditures and personal savings. It is important to remember that personal saving is what is left after spending.
单项选择题
Dream for Better
We all have plans and dreams for a better, more ___1___ life. Yet only a small percentage of people actually achieve their ___2___ .A good question is: why?
Recently, I was working with a young man who was ___3___ get on his feet. He had written out his goals, and he had powerful reasons why he wanted to achieve these goals. But after weeks of trying, he was still not much further along.
So we took some time to try to understand what was holding him ___4___ .As we examined his average day, it became apparent to me that he was much too ___5__ .He was spending lots of time doing lots of different things. I ___6___ that most of what he was doing was not very important in the greater scheme of things.
We did some exercises to ___7___ which activities were important, which ones were urgent and which ones was filling (or killing) time. As it turned out, most of the things he was doing throughout the day were filling time. He wasn't comfortable ___8___ he was very busy, so he created things that needed to be done. He was always working on something—yet at the end of the day, he had rarely accomplished any tasks to move him closer to the life he wanted.
This behavior is fairly easy for an outside observer to spot but extremely difficult to self-diagnose. The ___9___ is to slow down and get comfortable with being still, with contemplating what we really want and whether our actions are suitable for our goals. Many of our activities are avoidance activities: we do things to fill up the time and thus avoid having to do more difficult tasks. It wasn't easy, but once the young man finally accepted that he needed to do less overall but more of the important things, his life took a dramatic ___10___ for the better.
单项选择题
Boredom at Work
① You might find yourself staring at the clock, willing it to move faster so the boring workday will finally end. If your job offers little in the way of stimulation, there are steps you can take inside and outside the workplace.
② If you're bored with your job, it could be a sign that you've mastered the basic requirements and are ready for more of a challenge. You might not have been in your position long enough to request a promotion. Still, you can take steps to enhance your current role. Ask your boss if there are any projects you can help with. Volunteer to train less experienced colleagues. You'll feel more stimulated at work and also increase your chances of future advancement.
③ If you feel there is nothing left to learn in your present position, take steps to increase your knowledge. Your company's website might have online courses you can take during your slow periods, with your manager's permission. Enroll in training classes your company offers in areas that interest you. You also can pursue educational opportunities outside of the workplace, such as college classes, industry-specific training programs or self-improvement courses. If the knowledge you acquire doesn't help you in your present position, it might eventually help you move into a more fulfilling position.
④ Look for ways to challenge yourself. If your job involves performing repetitive tasks, set a quota for the number of times you can accomplish a particular task during the course of a shift. This will give you something to shoot for. If you have co-workers who perform the same tasks, make a friendly wager to see who can do the most. You'll form stronger bonds with your colleagues, and your employer is likely to notice your increased productivity.
⑤ According to psychotherapist and career coach Nina Ham, boredom at work might be a symptom of dissatisfaction with your personal life. Finding sources of stimulation outside of work can have a positive impact on your attitude toward your job. Seeking counseling for an emotional issue can also be of benefit. If your personal life is going well and nothing you try seems to improve your engagement level at work, it might be time to consider a job or even a career change.
单项选择题
300 Hurdles
Now comes the first hurdle. __1__ We all make it over this hurdle with ease. This symbolizes.
Those obstacles in life that we struggle to get over, but we always manage to do so. You can look at that hurdle in two ways: "I can’t make it over, I’m too tired" or "I am one more hurdle closer to finishing this race". This is an example of taking a negative situation and seeing something positive in it.
The next part of the race is every hurdle between the first and last one. __2__ This happens a lot in life too. There may be a situation that arises where you feel as though you can’t make it and all you can think about is giving up. You may fall over that "hurdle" or struggle getting over it, but somehow you find it in yourself to jump over it and move on with the race.
Next is that last 100m of the race. You feel as though you just want to say, "No I can't do this." __3__.
Now lastly is the last hurdle. This hurdle is the toughest out of all of them. In life we find ourselves falling and falling, and maybe getting too lost in our problems that we fell like have been though enough and there’s no hope. __4__ It's one step close to the end of the race.
Once you finish, you look back on it and you realize that you made it not by leaping, but step by step. "Yard by yard, life is very hard. But inch by inch, life can be a cinch."__5__.
