Steps to Retire as a Millionaire
Having a million-dollar savings is a retirement dream for many people．Making that dream come true requires some serious efforts．While success is never a sure thing，the steps outlined below will go a long way toward helping you achieve your objective．
1.Vacations，cars，kids and all of life's other expenses take a big chunk(大块) out of your paycheck．To maximize your savings，you need to minimize your expenses．Buying a home you can afford and living a lifestyle that is below your means and not funded by credit cards are all necessities if you want to boost your savings．
2.If you don't save，you'll never reach your goal．Obvious as this might seem，far too many people never even start to save．If your employer offers a 401(k) plan (一种养老保险)，simply sign up for the plan and contributions will be automatically taken out of your paycheck，increasing your savings and decreasing your taxes．It's like getting a guaranteed return on your investment．Finding the cash to stash (隐藏起)may be a challenge，particularly when you're young，but don't let that stop you from pursuing future riches．
3.If you are looking to grow your wealth over time，fixed income isn't likely to get the job done，and inflation (通货膨胀) can take a big chunk out of your savings．Investing in equities (股票) may have more risk，but is also statistically likely to lead to greater returns．For many of us，it's a risk we have to take if want to see our wealth grow．
4.Part of long-term planning involves accepting the idea that setbacks will occur．If you are not prepared，these setbacks can put a stop to your savings efforts．While you can't avoid all of the bumps in the road，you can prepare in advance to reduce the damage they can do．
5.Your income should rise as time passes．You'll get raises，you'll change jobs，and maybe you'll get married and become a two-income family．Every time more cash comes in to your pocket，you should increase the amount that you save．The key to reaching your goal as quickly as possible is to save as much as you can．
A． Watch Your Spending．
B． Prepare for Rainy Days．
C． Start Saving．
D． Get Aggressive．
E． Save More．
F． Set the Goal．
G． Have patience．
Here is the tour that's voted “3rd best tour in London” on the Best Things to Do－TripAdvisor! Hairy Goat is the best and most original tour company in London．
Do you like walking around a city and discovering something that makes a great photo? London is full of interesting photo chances and maybe you need someone to lead you to them．The tour is perfect for team events，families，groups of friends and school or college classes．
Bring A fully charged camera and plenty of memory cards or film，a drink and wear comfortable walking shoes．Dress for three hours' walking outside．
Price ￡45 per adult (18yrs and over)，￡40 per child (12-15yrs) and full-time students (student ID required)．Some tours to be booked and paid in advance．Please call or email for details．Please follow the links on the website or call Corinna at +44(0)7540832771．
Meet in front of the Royal Exchange Building at Bank Underground Station．Take Exit 3 or 4 from the underground station．
When See the website for scheduled dates．
Duration Three hours，at a comfortable walking pace．
Finish By an underground station within the city．Location varies daily．
1.A family of four，including a son of 19 and a daughter of 13，should pay ________．
A．￡180
B．￡160
C．￡170
D．￡175
2.According to the passage，the tour．
A． is intended for individuals only
B． offers chances to take great photos
C． has been voted the best tour in London three times
D． takes three hours on a sightseeing vehicle
3.According to the passage，which statement is NOT true?
A． Hairy Goat organizes the tour．
B． The tour finishes at the same location every day．
C． People can go through the website to find the date．
D． All the tours are not to be booked in advance．
Have you ever used Facebook? Many people are being lured (引诱) onto it with the promise of a fun，free service without realizing they're paying for it by giving up large amounts of personal information．Facebook then attempts to make money by selling their data to advertisers that want to send targeted messages．
Most Facebook users don't realize this is happening．Even if they know what the company is up to，they still have no idea what they're paying for Facebook because people don't really know what their personal data is worth．
The biggest problem，however，is that the company keeps changing the rules．Early on，you keep everything private．That was the great thing about Facebook — you could create your own little private network．Last year，the company changed its privacy rules so that many things — your city，your photo，your friends' names—were set，by default (默认) to be shared with everyone on the Internet．
According to Facebook's vice-president Elliot Schrage，the company is simply making changes to improve its service，and if people don't share information，they have a “less satisfying experience”．
Some critics think this is more about Facebook looking to make more money．Its original business model，which involved selling ads and putting them at the side of the page，totally failed．Who wants to look at ads when they're online connecting with their friends?
The privacy issue has already landed Facebook in hot water in Washington．In April，Senator(议员) Charles Schumer called on Facebook to change its privacy policy．He also urged the Federal Trade Commission to set guidelines for social-networking sites．“I think the senator rightly communicated that we had not been clear about what the new products were and how people could choose to use them or not to use them，” Schrage admits．
I suspect that whatever Facebook has done so far to invade our privacy is only the beginning，which is why I'm considering deactivating(撤销) my account．Facebook is a handy site，but I'm upset by the idea that my information is in the hands of people I don't know．That's too high a price to pay．
1.What do we learn about Facebook from the first paragraph?
A． It is a website that sends messages to targeted users．
B． It makes money by putting on advertisements．
C． It profits by selling its users'personal data．
D． It provides loads of information to its users．
2.What does the author say about most Facebook users?
A． They are reluctant to give up their personal information．
B． They don't know their personal data enriches Facebook．
C． They don't identify themselves when using the website．
D． They care very little about their personal information．
3.Why does Facebook make changes to its rules according to Elliot Schrage?
A． To provide better service to its users．
B． To follow the Federal guidelines．
C． To improve its users'connectivity．
D． To expand its scope of business．
4.Why does the author plan to cancel his Facebook account?
A． He is dissatisfied with its current service．
B． He finds many of its users untrustworthy．
C． He doesn't want his personal data abused．
D． He is upset by its frequent rule changes．
When Kate's paintings were on show in London，a poet described her paintings as “a ribbon (丝带）around a bomb”．Such comments seem to suggest Kate had a big influence on the art world of her time．Sadly，she is actually a much bigger name today than she was during her time．
Born in 1907 in a village near Mexico City，Kate suffered from polio（小儿麻痹症）at the age of seven．Her spine (脊柱)became bent as she grew older．Then，in 1925，her back was broken in several places in a school-bus accident．Throughout the rest of her life，the artist had many operations，but nothing was able to cure the terrible pain in her back．However，the accident had an unexpected side effect．While lying in her bed recovering，Kate taught herself to paint．
In 1929，she got married to Diego Rivera，another famous Mexican artist．Rivera's strong influences on Kate's style can be seen in her early works，but her later works from the 1940s，known today as her best works，show less influence from her husband．
Unfortunately，her works did not attract much attention in the 1930s and1940s，even in her home country．Her first one-woman show in Mexico was not held until 1953．For more than a decade after her death in 1954，Kate's works remained largely unnoticed by the world，but in the 1970s her works began to gain international fame at last．
1.What does the underlined phrase “a much bigger name” in paragraph 1 most probablymean?
A． A far better artist．
B． A far more gifted artist．
C． A much stronger person．
D． A much more famous person．
2.The terrible pain Kate suffered was caused by．
A． polio
B． her bent spine
C． back injuries
D． the operations she had
3.Kate's style had become increasingly independent since the．
A． 1930s
B． 1940s
C． 1950s
D． 1970s
4.What is author's attitude toward Kate?
A． Devotion．
B． Sympathy．
C． Worry．
D． Encouragement．
One dark and stormy night，an elderly man and his wife entered the hall of a small hotel in Philadelphia，hoping to get shelter for the night．
The clerk，a friendly man with a beautiful smile，explained that there were three conferences in town．“All of our rooms are taken，”the clerk said，“but I can't send a nice couple like you into the rain at one o'clock in the morning．Would you perhaps be willing to sleep in my room? It's not a suite，but it will be good enough to make you comfortable for the night．”The couple agreed．
As the elderly man paid the bill the next morning，he told the clerk，“You are the kind of person who should be the boss of the best hotel in the United States．Maybe someday I’ll build one for you．” The clerk looked at them and smiled．The three of them had a good laugh．
Two years passed．The clerk had almost forgotten the incident when he received a letter from the elderly man，asking the clerk to pay him a visit．The elderly man met him in New York，and led him to the corner of the Fifth Avenue and 34th Street．He then pointed to a great new building there，a reddish stone one with watchtowers thrusting (插入) up to the sky，and told the clerk that it was the hotel he had just built for him to manage．
That wonderful building was the original Waldorf-Astoria Hotel．And this young clerk whose name was George C．Boldt never foresaw the return of events that would lead him into the manager of one of the world's most attractive hotels．
1.Why did the elderly man build a hotel for the clerk?
A． He was grateful to the clerk．
B． They had a bet at first．
C． He wanted to please the clerk．
D． He wanted to sell the hotel．
2.Which of the statements about the story is NOT true?
A． The story took place at about one a．m．
B． The old couple were too poor to afford a luxurious room．
C． The clerk was willing to help those in need．
D． The clerk received an unexpected invitation from the old man．
3.According to the text，the clerk．
A． helped the couple because he thought they were poor．
B． hoped that the old couple could give him a large amount of money．
C． didn't expect to receive things in return from the old couple．
D． became rich，thanks to his own efforts．
4.Which of the following proverbs suits the story the best?
A． Every little thing helps．
B． Make hay(干草)while the sun shines．
C． Accidents will happen．
D． One good turn deserves another．
完形填空。
There are many brands of chocolate．If you love it，you can’t forget DOVE --the most famous chocolate brand．But do you know what the meaning of DOVE is?
Dove chocolate is born because of．One day in 1919 Princess Bazaar of Luxembourg's royal family first met the royal kitchen helper Leon．Many nights Leon slipped into the kitchen and various ice creams for Bazaar．They soon fell in love．Unfortunately owing to their quite different social ，both of them had to the deep feelings in heart．
Afterwards Bazaar was made to an arranged royal marriage against her wishes．For many days Leon could not see Bazaar，and he was burning with ．Finally Bazaar turned up at the table a month later．While serving desserts，Leon the letters "DOVE" which is an abbreviation of DO YOU LOVE ME with hot chocolate on Bazaar's ice cream．Leon that Bazaar could understand his feeling．
A few days later，Bazaar got．Leon，broken-hearted，could not the mental suffering and left for America，where he and his own family a candy store years later but lived unhappily．
Many years later，they met again before Bazaar’s death．Bazaar that she did eat the ice cream that afternoon but didn't see the letters and also didn't receive any promise from Leon and she had to to her fate and missed him all her lifetime．
Hearing this，Leon broke down in tears．If that chocolate had been，those letters would never have melted and he would not have lost his last．Leon decided to create a solid chocolate which can a long time．
After lots of research，he succeeded and each piece of chocolate was engraved(刻) with the letters –DOVE．It is a of the love between Leon and Bazaar．
Now more and more people fall in love with this chocolate．Giving someone DOVE means sending the of love DO YOU LOVE ME?
1.A． anger B． sorrow C． love D． envy
2.A． served B． made C． drew D． heated
3.A． opinion B． view C． attitude D． status
4.A． discover B． forget C． bury D． struggle
5.A． know B． accept C． try D． practise
6.A． sympathy B． impatience C． joy D． humor
7.A． mixed B． sent C． wrote D． pressed
8.A． allowed B． promised C． declared D． expected
9.A． married B． sick C． bored D． changed
10.A． repeat B． bear C． reduce D． keep
11.A． supported B． found C． ran D． sold
12.A． learned B． recalled C． heard D． believed
13.A． annoying B． confusing C． interesting D． melting
14.A． give in B． give up C． give out D． give away
15.A． powerful B． liquid C． solid D． frozen
16.A． belief B． promise C． courage D． chance
17.A． eat B． preserve C． miss D． sell
18.A． quickly B． happily C． firmly D． lightly
19.A． symbol B． sign C． survey D． study
20.A． story B． secret C． rumor D． whisper
