_________A. Set a Good Example for Your KidsB. Build Your Kid's Work SkillsC. Place Time Limits on Leisure ActivitiesD. Talk about the Future on a Regular BasisE. Help Kids Develop Coping StrategiesF. Help Your Kids Figure Out Who They AreG. Build Your Ki

共用题干
Bedwetting
Millions of kids and teenagers from every part of the world wet the bed every single night,it's so common that there are probably other kids in your class who do it.Most kids don't______(51)their friends,so it's easy to feel kind of alone,like you might be the only one on the whole planet who wets the bed.But you are not______(52).
The fancy______ (53)for bedwetting is nocturnal enuresis（夜间遗尿）.Enuresis runs in families.This means that if you urinate（排尿）,or pee, while you are______(54) ,there's a good______(55) that a close relative also did it when he or she was a kid.Just like you may have______(56)your mom's blue eyes or your uncle's long legs,you probably inherited bedwetting,too.
The most important thing to remember is that no one______(57)the bed on purpose.It doesn't mean that you ' re______ ( 58 ) or a slob（懒汉）.It ' s something you can ' t help______( 59 ).For some reason, kids who wet the bed are not able to feel that their bladder（膀胱）is full and don't______(60)up to pee in the toilet.Sometimes a kid who wets the bed will have a realistic______(61)that he is in the bathroom peeing-only to wake up later and discover he's all wet.Many kids who wet the bed are very______(62) sleepers.Trying to wake up someone who wets the bed is often like trying to wake a log-they just stay asleep.
Some kids who wet the bed do it every single night.Others wet some nights and are______(63)on others.A lot of kids say that they seem to be drier when they sleep at a friend's or a relative's house.That's because kids who are anxious______(64)wetting the bed may not sleep much or only very lightly.So the brain may be thinking,"Hey,you!Don't wet someone else's bed!"This can help you ______(65)dry even if you're not aware of it.

64._________
A:about
B:for
C:over
D:with

Building a house costs quite a lot of money. Suppose you plan to build a house. Your first step will be to find a right piece of land. Your choice will depend on many different things. You will probably try to find a sunny place, with pleasant surroundings near shops and bus stops, not too far from your friends and the place where you work.
Next you will find a good builder, and together with the builder you will work out a plan. The builder will draw the plan. It will show the number of rooms, their position and size, and other parts, which must be noticed, such as windows, doors, and electric outlets. The builder will work out how much money is needed to build your house. He will work out the cost of the wood, bricks, the glass, and everything else that must be used in building the house. Later on, when he starts to build, this estimate must be corrected and revised. His estimate is based on existing prices, but prices of such things may change, and many other things may happen between the time when he makes the estimate and the time when he builds the house.
When the builder gives his estimate, you may wish to change your plan. (You may also wish to change your builder, if his estimate is too high! ) You may find that the house you wanted at first costs too much, or that you can spend a little more and add something to your plan. The builder's estimate depends on the plan, but the final plan depends on the builder's estimate.
The phrase "draw a plan" in this passage means _______

A.making a picture of a building or a room
B.making a plan
C.working out a plan
D.pulling a picture out of a room

Building a house costs quite a lot of money. Suppose you plan to build a house. Your first step will be to find a right piece of land. Your choice will depend on many different things. You will probably try to find a sunny place, with pleasant surroundings near shops and bus stops, not too far from your friends and the place where you work.
Next you will find a good builder, and together with the builder you will work out a plan. The builder will draw the plan. It will show the number of rooms, their position and size, and other parts, which must be noticed, such as windows, doors, and electric outlets. The builder will work out how much money is needed to build your house. He will work out the cost of the wood, bricks, the glass, and everything else that must be used in building the house. Later on, when he starts to build, this estimate must be corrected and revised. His estimate is based on existing prices, but prices of such things may change, and many other things may happen between the time when he makes the estimate and the time when he builds the house.
When the builder gives his estimate, you may wish to change your plan. (You may also wish to change your builder, if his estimate is too high! ) You may find that the house you wanted at first costs too much, or that you can spend a little more and add something to your plan. The builder's estimate depends on the plan, but the final plan depends on the builder's estimate.
When the builder starts to build a house, his estimate will have to be corrected and revised because _______.

A.it is wrongly worked out by a workman
B.the future owner of the house thinks the estimate is so high that he cannot afford the building
C.the prices of building materials and the expenses of labor may be different from the original prices and expenses
D.estimates are usually mistaken in the beginning

Building a house costs quite a lot of money. Suppose you plan to build a house. Your first step will be to find a right piece of land. Your choice will depend on many different things. You will probably try to find a sunny place, with pleasant surroundings near shops and bus stops, not too far from your friends and the place where you work.
Next you will find a good builder, and together with the builder you will work out a plan. The builder will draw the plan. It will show the number of rooms, their position and size, and other parts, which must be noticed, such as windows, doors, and electric outlets. The builder will work out how much money is needed to build your house. He will work out the cost of the wood, bricks, the glass, and everything else that must be used in building the house. Later on, when he starts to build, this estimate must be corrected and revised. His estimate is based on existing prices, but prices of such things may change, and many other things may happen between the time when he makes the estimate and the time when he builds the house.
When the builder gives his estimate, you may wish to change your plan. (You may also wish to change your builder, if his estimate is too high! ) You may find that the house you wanted at first costs too much, or that you can spend a little more and add something to your plan. The builder's estimate depends on the plan, but the final plan depends on the builder's estimate.
What is the relationship between the estimate and the plan?

A.The plan depends on the estimate
B.The estimate depends on the plan
C.The plan has nothing to do with the estimate
D.The estimate and the plan depend on each other

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings
Some scary facts about retirement
?More than 50% of persons do not have enough finances for retirement
?25%do not participate in their company’s retirement plan
?The average person spends 20 years in retirement
Here are some tips to help you plan correctly
1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals
2. Save and keep on saving. Make it a habit to save as much as you can
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator
4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options
5. Learn about pension. If you have an employer or government pension plan learn all the details
6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals
What will happen if you withdraw your retirement savings before you retire?

A. You may have to pay penalties
B. You will fail to realize your goals
C. You retirement savings will become off-limits
D. You should save money for your retirement all over again

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings
Some scary facts about retirement
?More than 50% of persons do not have enough finances for retirement
?25%do not participate in their company’s retirement plan
?The average person spends 20 years in retirement
Here are some tips to help you plan correctly
1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals
2. Save and keep on saving. Make it a habit to save as much as you can
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator
4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options
5. Learn about pension. If you have an employer or government pension plan learn all the details
6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals
What’s the main theme of the passage?

A. How to find a good financial professional
B. The importance of retirement plans
C. The scary facts about retirement
D. How to make correct retirement plans

Being a good parent is,of course,what every parent would like to be.But defining what it means to be a good parent is undoubtedly very__1__,particularly since children respond differently to the same style of parenting.A calm,rule-following child might respond better to a different sort of parenting than,__2__,a younger sibling.__3__,there’s another sort of parent that’s a bit easier to__4__:a patient parent.Children of every age benefit from patient parenting.Still,__5__every parent would like to be patient,this is no easy__6__.Sometimes parents get exhausted and frustrated and are unable to maintain a__7__and composed style with their kids.I understand this.You’re only human,and sometimes your kids can__8__you just a little too far.And then the__9__happens:You lose your patience and either scream at your kids or say something that was a bit too__10__and does nobody any good.You wish that you could__11__the clock and start over.We’ve all been there.__12__,even though it’s common,it’s important to keep in mind that in a single moment of fatigue,you can say something to your child that you may__13__for a long time.This may not only do damage to your relationship with your child but also__14__your child’s self-esteem.If you consistently lose your__15__with your kids,then you are inadvertently modeling a lack of emotional control for your kids.We are all becoming increasingly aware of the__16__of modeling tolerance and patience for the younger generation.This is a skill that will help them all throughout life.In fact,the ability to emotionally regulate or maintain emotional control when__17__by stress is one of the most important of all life’s skills.Certainly,it’s incredibly__18__to maintain patience at all times with your children.A more practical goal is to try,to the best of your ability,to be as tolerant and composed as you can when faced with__19__situations involving your children.I can promise you this:As a result of working toward this goal,you and your children will benefit and__20__from stressful moments feeling better physically and emotionally.8选？

A.move
B.drag
C.push
D.send

资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
The decline is more detrimental for math than it is for reading. "All students lose math skills," says Cooper. It may be because community and home environments give kids more opportunities to practice reading than math. The study also found that income has an impact on how much a student loses or gains in reading. Middle-class children actually gained in reading over the summer, while lower-income students experienced losses. Cooper attributes this to the enrichment activities that many middle-class kids participate in over the summer, such as camp and trips.
Your kids don't have to spend the summer stuck in reverse. "Parents can help their kids retain educational skills," says Cooper. He suggests the following five tips to kick off a learning-filled summer.
1. Keep lots of books around and make regular trips to the library. Most libraries schedule special summer events for kids. Sign up your family!
2. Think about what your kids may be learning next year when you plan the family vacation. Talk with teachers to find out what they'll be covering in class. If it's a unit on the civil war for example, you may want to schedule a visit to Gettysburg. If it's geology, visit a national park.
3. Keep math in mind. Since kids lose more math skills than anything else over the summer, try to do some special planning to find math-related activities. For example, if you can't decide whether to sign your child up for "Shakespeare's Theater" or "Math Magic" at the local community center, go with the math.
4. Consider summer school or tutoring. Struggling kids can get a lot of different kinds of help from these programs. Summer school can also enrich and accelerate learning in areas where kids show a special interest.
5. Call the curriculum coordinator in your child's school district, visit the school board office, or contact the schools of education at local colleges and universities to find out what educational programs will be offered in your area over the summer.
Remember to keep it fun! You don't want to sour your kids on learning during the summer break.

Why is decline worse for math than it is for reading？（ ）

A.Because the community have the libraries
B.Because at home the parents will make kids reading more
C.Because in summer vacation kids have more time in reading
D.Because community and home give kids more opportunities to read

资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
Some scary facts about retirement:
More than 50% of persons do not have enough finances for retirement.
25% do not participate in their company's retirement plan.
The average person spends 20 years in retirement.
Here are some tips to help you plan correctly:
1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.
2. Save, save, and keep on saving. Make it a habit to save as much as you can.
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.
4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.
5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.
6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.
7. Get your employer to start one, and it can help you tremendously.
8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.
9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

What will happen if you withdraw your retirement savings before you retire?

A.You may have to pay penalties.
B.You will fail to realize your goals.
C.Your retirement savings will become off-limits.
D.You should save money for your retirement all over again.

资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
The decline is more detrimental for math than it is for reading. "All students lose math skills," says Cooper. It may be because community and home environments give kids more opportunities to practice reading than math. The study also found that income has an impact on how much a student loses or gains in reading. Middle-class children actually gained in reading over the summer, while lower-income students experienced losses. Cooper attributes this to the enrichment activities that many middle-class kids participate in over the summer, such as camp and trips.
Your kids don't have to spend the summer stuck in reverse. "Parents can help their kids retain educational skills," says Cooper. He suggests the following five tips to kick off a learning-filled summer.
1. Keep lots of books around and make regular trips to the library. Most libraries schedule special summer events for kids. Sign up your family!
2. Think about what your kids may be learning next year when you plan the family vacation. Talk with teachers to find out what they'll be covering in class. If it's a unit on the civil war for example, you may want to schedule a visit to Gettysburg. If it's geology, visit a national park.
3. Keep math in mind. Since kids lose more math skills than anything else over the summer, try to do some special planning to find math-related activities. For example, if you can't decide whether to sign your child up for "Shakespeare's Theater" or "Math Magic" at the local community center, go with the math.
4. Consider summer school or tutoring. Struggling kids can get a lot of different kinds of help from these programs. Summer school can also enrich and accelerate learning in areas where kids show a special interest.
5. Call the curriculum coordinator in your child's school district, visit the school board office, or contact the schools of education at local colleges and universities to find out what educational programs will be offered in your area over the summer.
Remember to keep it fun! You don't want to sour your kids on learning during the summer break.

How to keep kids from losing more math skills, according to Dr. Harris Cooper? （ ）

A.Doing some special planning to have math-related activities
B.Signing up for programs like “Shakespeare’s Theater”
C.Having less reading activities over the summer
D.Going to the libraries more often

资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
Some scary facts about retirement:
More than 50% of persons do not have enough finances for retirement.
25% do not participate in their company's retirement plan.
The average person spends 20 years in retirement.
Here are some tips to help you plan correctly:
1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.
2. Save, save, and keep on saving. Make it a habit to save as much as you can.
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.
4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.
5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.
6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.
7. Get your employer to start one, and it can help you tremendously.
8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.
9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

What’s the main theme of the passage?

A.How to find a good financial professional.
B.The importance of retirement plans.
C.The scary facts about retirement.
D.How to make correct retirement plans.

资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
The decline is more detrimental for math than it is for reading. "All students lose math skills," says Cooper. It may be because community and home environments give kids more opportunities to practice reading than math. The study also found that income has an impact on how much a student loses or gains in reading. Middle-class children actually gained in reading over the summer, while lower-income students experienced losses. Cooper attributes this to the enrichment activities that many middle-class kids participate in over the summer, such as camp and trips.
Your kids don't have to spend the summer stuck in reverse. "Parents can help their kids retain educational skills," says Cooper. He suggests the following five tips to kick off a learning-filled summer.
1. Keep lots of books around and make regular trips to the library. Most libraries schedule special summer events for kids. Sign up your family!
2. Think about what your kids may be learning next year when you plan the family vacation. Talk with teachers to find out what they'll be covering in class. If it's a unit on the civil war for example, you may want to schedule a visit to Gettysburg. If it's geology, visit a national park.
3. Keep math in mind. Since kids lose more math skills than anything else over the summer, try to do some special planning to find math-related activities. For example, if you can't decide whether to sign your child up for "Shakespeare's Theater" or "Math Magic" at the local community center, go with the math.
4. Consider summer school or tutoring. Struggling kids can get a lot of different kinds of help from these programs. Summer school can also enrich and accelerate learning in areas where kids show a special interest.
5. Call the curriculum coordinator in your child's school district, visit the school board office, or contact the schools of education at local colleges and universities to find out what educational programs will be offered in your area over the summer.
Remember to keep it fun! You don't want to sour your kids on learning during the summer break.

What makes Lower-income children lose in learning, according to Dr. Harris Cooper? （ ）

A.Less outdoor activities over the summer
B.More housework over the summer
C.Less money gained over the summer
D.More part-time work over the summer

In a world where self-gratification is emphasized,empathy is in short supply but high demand Here,'s how to teach your kids how to have empathy.Empathy is one of those strange qualities-some thing almost everyone wants,but few know how to truly give or receive it.this is all the more reason to teach the next generation what it means to have empathy for those around them 1.While some children are gifted with naturally kind hearts,in most cases kids need to see empathy modeled by the adults around them.It begins with the way parents relate to their children.Parents who show an interest in the things that matter to their kids and respond to emotions in a positive and caring way are teaching the skill of empathy 2.When children have their emotional needs met,two things happen They learn how to meet the emotional needs of others and they are anchored in what they are receiving,meaning that they are secure enough to give to others when the need arises but first they need to receive.An empty jug cannot fill a cup.3.There is nothing like a real life example to model what you are teaching Look for situations that affect another person and talk to your kids about what it means to the people involved and how they might feel.For example,if you see an ambulance speed past,talk about how the family members of the sick person might be feeling 4.Younger kids in particular love to pretend that they are someone or something else.You can use ese fun times for teaching empathy.Get your kids playing the role of another person.This might be a character in a book or on tv,or even someone you know who has been througn a significant experience lately.You can act out the story together and ask your kids to stop and imagine how their character night have been feeling at any given moment.This will focus their attention on the emotions that another person might experience when in that situation.You can ask them to make faces that reflect the feelings of their character.5.Teaching your kids the difference between right and wrong from a young age gives them a strong internal moral compass that will direct them to make good choices.In situations that require a decision,help them to see how our choices and behavior affect others.Talk to them about how wrong doing harms others and help them to see the hurt and damage that it causes.It's a good idea to talk to them about the little things such as calling a sibling an unkind name that hurts her feelings or refusin to play with the leir brother when friends visit.When building a strong moral foundation,start small and begin with the basics.
3选？

A.Develop their inner moral compass
B.Empathetic kids:givers not takers
C.Kids need to see adults show empathy
D.Look for real life situations to practice empathy
E.Talk to kids about emotional needs
F.Meet emotional needs
G.Play games

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings
Some scary facts about retirement
?More than 50% of persons do not have enough finances for retirement
?25%do not participate in their company’s retirement plan
?The average person spends 20 years in retirement
Here are some tips to help you plan correctly
1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals
2. Save and keep on saving. Make it a habit to save as much as you can
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator
4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options
5. Learn about pension. If you have an employer or government pension plan learn all the details
6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals
Who can be a financial professional?

A. The professional who will do physical “check-up” for you
B. The professional who will visit you like a doctor
C. The professional who will schedule a meeting with you
D. The professional who will help you make your financial plans

Building a house costs quite a lot of money. Suppose you plan to build a house. Your first step will be to find a right piece of land. Your choice will depend on many different things. You will probably try to find a sunny place, with pleasant surroundings near shops and bus stops, not too far from your friends and the place where you work.
Next you will find a good builder, and together with the builder you will work out a plan. The builder will draw the plan. It will show the number of rooms, their position and size, and other parts, which must be noticed, such as windows, doors, and electric outlets. The builder will work out how much money is needed to build your house. He will work out the cost of the wood, bricks, the glass, and everything else that must be used in building the house. Later on, when he starts to build, this estimate must be corrected and revised. His estimate is based on existing prices, but prices of such things may change, and many other things may happen between the time when he makes the estimate and the time when he builds the house.
When the builder gives his estimate, you may wish to change your plan. (You may also wish to change your builder, if his estimate is too high! ) You may find that the house you wanted at first costs too much, or that you can spend a little more and add something to your plan. The builder's estimate depends on the plan, but the final plan depends on the builder's estimate.
The best title of this passage is ________

A.Building a House Costs Much Money
B.Estimate Is Important
C.Planning a House
D.Depend on the Builder

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings
Some scary facts about retirement
?More than 50% of persons do not have enough finances for retirement
?25%do not participate in their company’s retirement plan
?The average person spends 20 years in retirement
Here are some tips to help you plan correctly
1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals
2. Save and keep on saving. Make it a habit to save as much as you can
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator
4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options
5. Learn about pension. If you have an employer or government pension plan learn all the details
6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals
Which of the following is NOT true about retirement?

A. More than half of people don’t have enough finances for retirement
B. A quarter of people don’t take part in their company’s retirement plan
C. No one can be financially secure in retirement
D. The average person will spend 20 years in retirement

Building a house costs quite a lot of money. Suppose you plan to build a house. Your first step will be to find a right piece of land. Your choice will depend on many different things. You will probably try to find a sunny place, with pleasant surroundings near shops and bus stops, not too far from your friends and the place where you work.
Next you will find a good builder, and together with the builder you will work out a plan. The builder will draw the plan. It will show the number of rooms, their position and size, and other parts, which must be noticed, such as windows, doors, and electric outlets. The builder will work out how much money is needed to build your house. He will work out the cost of the wood, bricks, the glass, and everything else that must be used in building the house. Later on, when he starts to build, this estimate must be corrected and revised. His estimate is based on existing prices, but prices of such things may change, and many other things may happen between the time when he makes the estimate and the time when he builds the house.
When the builder gives his estimate, you may wish to change your plan. (You may also wish to change your builder, if his estimate is too high! ) You may find that the house you wanted at first costs too much, or that you can spend a little more and add something to your plan. The builder's estimate depends on the plan, but the final plan depends on the builder's estimate.
The first thing for a person to build a house is ______

A.to get as much money as possible
B.to find a suitable piece of land
C.to work out a plan
D.to make an estimate

Being financially secure in retirement just doesn’t happen magically It takes lots of planning time and savings
Some scary facts about retirement
?More than 50% of persons do not have enough finances for retirement
?25%do not participate in their company’s retirement plan
?The average person spends 20 years in retirement
Here are some tips to help you plan correctly
1. Talk to a financial professional. Every few years it’s a good idea to schedule a meeting with a financial planner to get a “check-up”. It’s just like a doctor’s visit and you should really talk about your present situation and future goals
2. Save and keep on saving. Make it a habit to save as much as you can
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner or find an online retirement calculator
4. Take part in your employer’s retirement plans. If your company offers one it is usually the best tool you can use. Talk to a financial professional for all your options
5. Learn about pension. If you have an employer or government pension plan learn all the details
6. Keep your retirement savings off-limits. Don’t make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals
According to the passage, retirement plans may be offered by____

A. the government
B. both the employer and the government
C. the employer
D. the employer the government and the media

Directions:Suppose your class is to holda charity sale for kids in need of help.Write your classmates an email to inform them about the details,and encourage them to participate.You should write about 100 words on the ANSWER SHEET.Do not use your own name;use"Li Ming”instead.Do not write your address.

资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
Some scary facts about retirement:
More than 50% of persons do not have enough finances for retirement.
25% do not participate in their company's retirement plan.
The average person spends 20 years in retirement.
Here are some tips to help you plan correctly:
1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.
2. Save, save, and keep on saving. Make it a habit to save as much as you can.
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.
4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.
5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.
6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.
7. Get your employer to start one, and it can help you tremendously.
8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.
9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

Which of the following is NOT true about retirement?

A.More than half of people don’t have enough finances for retirement.
B.quarter of people don’t take part in their company’s retirement plan.
C.No one can be financially secure in retirement.
D.The average person will spend 20 years in retirement.

资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
Some scary facts about retirement:
More than 50% of persons do not have enough finances for retirement.
25% do not participate in their company's retirement plan.
The average person spends 20 years in retirement.
Here are some tips to help you plan correctly:
1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.
2. Save, save, and keep on saving. Make it a habit to save as much as you can.
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.
4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.
5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.
6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.
7. Get your employer to start one, and it can help you tremendously.
8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.
9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

According to the passage, retirement plans may be offered by ___.

A.the government
B.both the employer and the government
C.the employer
D.the employer, the government and the media

资料：Being financially secure in retirement just doesn't happen magically. It takes lots of planning, time and savings.
Some scary facts about retirement:
More than 50% of persons do not have enough finances for retirement.
25% do not participate in their company's retirement plan.
The average person spends 20 years in retirement.
Here are some tips to help you plan correctly:
1. Talk to a financial professional. Every few years, it's a good idea to schedule a meeting with a financial planner to get a “check-up”. It's just like a doctor's visit, and you should really talk about your present situation and future goals.
2. Save, save, and keep on saving. Make it a habit to save as much as you can.
3. Learn your retirement needs. Retirement can be expensive. Learn from today how much you need to save for your retirement. Talk to a financial planner, or find an online retirement calculator.
4. Take part in your employer's retirement plans. If your company offers one, it is usually the best tool you can use. Talk to a financial professional for all your options.
5. Learn about pension plans. If you have an employer or government pension plan, learn all the details.
6. Keep your retirement savings off-limits. Don't make a withdrawal until you retire. You might incur penalties and it will be a setback for realizing your goals.
7. Get your employer to start one, and it can help you tremendously.
8. Learn about your government's retirement plans. Every country has different plans, some with special tax incentives, so learn what your country offers and plan accordingly.
9. Do your own research. Use the Internet, read the newspapers and magazines, talk to your friends, to find out as much as you can about retirement.

Who can be a financial professional?

A.The professional who will do a physical “check-up” for you.
B.The professional who will visit you like a doctor.
C.The professional who will schedule a meeting with you.
D.The professional who will help you make your financial plans.

资料：Did your child's brain shrink last summer? Probably not, but it may have shifted into reverse, according to a study by Dr. Harris Cooper, professor of psychology at the University of Missouri-Columbia. The study found that when students return to school after a long summer vacation, they've lost one to three months worth of learning.
The decline is more detrimental for math than it is for reading. "All students lose math skills," says Cooper. It may be because community and home environments give kids more opportunities to practice reading than math. The study also found that income has an impact on how much a student loses or gains in reading. Middle-class children actually gained in reading over the summer, while lower-income students experienced losses. Cooper attributes this to the enrichment activities that many middle-class kids participate in over the summer, such as camp and trips.
Your kids don't have to spend the summer stuck in reverse. "Parents can help their kids retain educational skills," says Cooper. He suggests the following five tips to kick off a learning-filled summer.
1. Keep lots of books around and make regular trips to the library. Most libraries schedule special summer events for kids. Sign up your family!
2. Think about what your kids may be learning next year when you plan the family vacation. Talk with teachers to find out what they'll be covering in class. If it's a unit on the civil war for example, you may want to schedule a visit to Gettysburg. If it's geology, visit a national park.
3. Keep math in mind. Since kids lose more math skills than anything else over the summer, try to do some special planning to find math-related activities. For example, if you can't decide whether to sign your child up for "Shakespeare's Theater" or "Math Magic" at the local community center, go with the math.
4. Consider summer school or tutoring. Struggling kids can get a lot of different kinds of help from these programs. Summer school can also enrich and accelerate learning in areas where kids show a special interest.
5. Call the curriculum coordinator in your child's school district, visit the school board office, or contact the schools of education at local colleges and universities to find out what educational programs will be offered in your area over the summer.
Remember to keep it fun! You don't want to sour your kids on learning during the summer break.

What dose Dr. Harris Cooper’s research find？（ ）

A.After summer vocation kids will lose one to three months worth of learning
B.After summer vocation kids will lose learning capability in reading
C.Summer vocation makes kids lose learning skills in math
D.Summer vocation brings kids psychological problems