填空题It is impossible these days to get a good job without a qualification from a respected institution.

填空题Hints and Tips to Save Money A. Spend less. This is not oversimplifying the best way to save money! It is essential if you are serious about being a long-term money saver. Review what you spend and look at ways you can save money. Consider making telephone calls for instance only at off-peak times. Do you really need to have newspapers and magazines delivered? Can you do without those coffees you buy at break time every day—would a flask of coffee taken to work save you money? What about using the public lending library instead of buying books or music CDs? Once you start looking for ways to spend less you will quickly become an expert and really save money. B. Establish a personal budget. This is essential for families and individuals. You will not be able to save money unless you know how much money you have coming in, and how much money you have going out. Once you have prepared a budget of incoming money and outgoing money, you will be able to identify areas where you can save. It is MUCH more difficult to save money over a long period of time (the rest of your life?) without a budget. C. Bulk is good. Think about shopping and buying in bulk. You can also save money by cooking in bulk. This is a real way you can save money with little preparation and almost no extra outlay. Always purchase in bulk when you can. Prepared foods and convenience foods will always be much more expensive than all the ingredients needed to make the food. Preparing food in bulk and in advance also gives you the opportunity to plan ahead and be more accurate in your budget. Save money by buying in bulk whenever you can. One thing to be aware of when buying in bulk is to be sure that any product you buy will get used before it goes bad—you won't save money ff you have to throw stuff away. Buying in bulk is not only a good way to save money it is also a good strategy for coping with and surviving emergencies. D. Make sure a sale is a sale. By this I mean do your price research before you commit to making an expensive purchase in a retailers money-off sale. You have to be sure the sale really is a sale and not a creative marketing strategy of the store to encourage you to spend your money without thinking. Once you have researched the true price of a product (any product) you are in a good position to take advantage of a sale, special offer or discount and really save money. "Buy one get one free", "50% off", and "Huge Discount" will only help you save money if the actual price you pay is lower than you would pay somewhere else for exactly the same product. E. Buy used. Sure, we all like to buy new. But there are huge money savings to be made in buying used. Typically cars lose one-third of their value in the first 24 months from new. Why not buy a car 24 months old? Other items such as clothes can be worth even less just the day after new. Look for ways to buy "as good as new" items and save money. Typical products you might consider buying used to save money include: cars, clothes, electrical goods, garden items...tools and sheds, household items... pots and pans—the list of used goods where you can save money is endless. F. Don't carry excessive debt. Some debt in our lives may be essential. We may need a mortgage (抵押) to purchase a home, we may need to use our credit card to make purchases until payday, but your aim to save money should be to have as little debt as possible. Credit card debt is typically the most expensive debt we may carry. You will be able to save money every month if you make it an absolute rule to pay off your outstanding balance every month. If you can have the discipline to do this you will save money by effectively having no debt, and thus no interest charge on your credit card(s). G. Save money fast. No, I mean really save some money. Each week or each month get into the habit of putting an amount, however small into your savings. You could start by saving a very small fixed amount each time and then move to putting in larger amounts once you begin to save money from your other money saving strategies. You will find that by saving money on a regular basis you will quickly build up a store of reserve money and also feel motivated to save more. The hardest part is to take the first step and start saving money—so START TODAY and save some money NOW! If you find it impossible to save money once you have it, consider having money deducted from your paycheck direct each month. This can be a great way to save money rapidly as once it is set up you will not notice it is being collected and your savings will grow with no more effort from you. H. Shop wisely. Consider markets, superstores, farmer's markets, local shops, malls and stores. Anywhere is worth checking out to see if you can save money. Farmer's markets can be particularly good places to save money. Typically you are buying direct from the producer of the product so the savings are passed on to you. Use your bulk buying strategy here—farmer's markets often offer opportunities to save money by buying larger quantities of food, for instance potatoes, rice or corn. Save money and shop wisely. I. Eat in rather than out. This is a huge area where you can save money. A cup of coffee taken out could easily cost you TWENTY times (or more) what it would cost you to make it at home. So think before you drink when you are out. Eating is the same. Fast food restaurants are counting on your eating food that you perhaps don't really need at that time but buy just because it is quick. Why not wait until you get home and have a more nutritious meal and save money at the same time? J. Use less. This money saving tip is a lesson we all need to learn. We live in a consumer society where waste is a huge problem, if we could all use and consume less there would be less waste, less power consumption, and the benefits for you are SAVING MONEY. Consider using less shampoo when you wash your hair, this may not mean washing your hair less effectively but it means not flushing the excess shampoo and your money down the drain. What about saving on heating? Turn the thermostat (恒温器) down or put on extra clothes when you are cold. Turn off lights, the TV and the computer when they are not in use. Each little saving you make will build up and enable you to save money. Huge savings in energy can be made which will save you money and be good for our planet and the other people on it.

填空题The 1972 Munich games managed to make a big profit mainly by ______ services and selling ______ .

填空题Finding the Right Home—and Contentment, Too A. When your elderly relative needs to enter some sort of long-term care facility—a moment few parents or children approach without fear—what you would like is to have everything made clear. B. Does assisted living really mark a great improvement over a nursing home, or has the industry simply hired better interior designers? Are nursing homes as bad as people fear, or is that an out-moded stereotype (固定看法)? Can doing one"s homework really steer families to the best places? It is genuinely hard to know. C. I am about to make things more complicated by suggesting that what kind of facility an older person lives in may matter less than we have assumed. And that the characteristics adult children look for when they begin the search are not necessarily the things that make a difference to the people who are going to move in. I am not talking about the quality of care, let me hastily add. Nobody flourishes in a gloomy environment with irresponsible staff and a poor safety record. But an accumulating body of research indicates that some distinctions between one type of elder care and another have little real bearing on how well residents do. D. The most recent of these studies, published in The Journal of Applied Gerontology , surveyed 150 Connecticut residents of assisted living, nursing homes and smaller residential care homes (known in some states as board and care homes or adult care homes). Researchers from the University of Connecticut Health Center asked the residents a large number of questions about their quality of life, emotional well-being and social interaction, as well as about the quality of the facilities. E. "We thought we would see differences based on the housing types," said the lead author of the study, Julie Robison, an associate professor of medicine at the university. A reasonable assumption—don"t families struggle to avoid nursing homes and suffer real guilt if they can"t? F. In the initial results, assisted living residents did paint the most positive picture. They were less likely to report symptoms of depression than those in the other facilities, for instance, and less likely to be bored or lonely. They scored higher on social interaction. G. But when the researchers plugged in a number of other variables, such differences disappeared. It is not the housing type, they found, that creates differences in residents" responses. "It is the characteristics of the specific environment they are in, combined with their own personal characteristics—how healthy they feel they are, their age and marital status," Dr. Robison explained. Whether residents felt involved in the decision to move and how long they had lived there also proved significant. H. An elderly person who describes herself as in poor health, therefore, might be no less depressed in assisted living (even if her children preferred it) than in a nursing home. A person who had input into where he would move and has had time to adapt to it might do as well in a nursing home as in a small residential care home, other factors being equal. It is an interaction between the person and the place, not the sort of place in itself, that leads to better or worse experiences. "You can"t just say, Let"s put this person in a residential care home instead of a nursing home—she will be much better off," Dr. Robison said. What matters, she added, "is a combination of what people bring in with them, and what they find there." I. Such findings, which run counter to common sense, have surfaced before. In a multi-state study of assisted living, for instance, University of North Carolina researchers found that a host of variables—the facility"s type, size or age; whether a chain owned it; how attractive the neighborhood was—had no significant relationship to how the residents fared in terms of illness, mental decline, hospitalizations or mortality. What mattered most was the residents" physical health and mental status. What people were like when they came in had greater consequence than what happened once they were there. J. As I was considering all this, a press release from a respected research firm crossed my desk, announcing that the five-star rating system that Medicare developed in 2008 to help families compare nursing home quality also has little relationship to how satisfied its residents or their family members are. As a matter of fact, consumers expressed higher satisfaction with the one-star facilities, the lowest rated, than with the five-star ones. (More on this study and the star ratings will appear in a subsequent post.) K. Before we collectively tear our hair out—how are we supposed to find our way in a landscape this confusing?—here is a thought from Dr. Philip Sloane, a geriatrician (老年病学专家) at the University of North Carolina: "In a way, that could be liberating for families." L. Of course, sons and daughters want to visit the facilities, talk to the administrators and residents and other families, and do everything possible to fulfill their duties. But perhaps they don"t have to mm themselves into private investigators or Congressional subcommittees. "Families can look a bit more for where the residents are going to be happy," Dr. Sloane said. And involving the future resident in the process can be very important. M. We all have our own ideas about what would bring our parents happiness. They have their ideas, too. A friend recently took her mother to visit an expensive assisted living/nursing home near my town. I have seen this place—it is elegant, inside and out. But nobody greeted the daughter and mother when they arrived, though the visit had been planned; nobody introduced them to the other residents. When they had lunch in the dining room, they sat alone at a table. N. The daughter feared her mother would be ignored there, and so she decided to move her into a more welcoming facility. Based on what is emerging from some of this research, that might have been as rational a way as any to reach a decision.

填空题(这不重要)______ whether you're left or right handed.

填空题Digital camera needs focusing the receiving light on the light-sensing device.

填空题More than a technological feat, the subway was also an aesthetic wonder.

填空题Child-bearing is considered to ______ (与…相冲突) career by many young people nowadays.

填空题______ (最近的一次调查结果揭示) money does not necessarily buy much happiness.

填空题There must have been a proposal to impose a high tariff as ______ on Chinese imports by someone in the US.

填空题In general, ______ (学生用于租房的费用) should be held to one-fifth of the total available for living expenses.