Listen carefully, working people, we would like to tell you something that could save your precious time and money! Best of all, it is free!

It’s “no”.

What do you ask? We’ll say it again: “No”.

Sweet and simple “no”.

Say “no” at your office and see how quickly that pile of work on your desk disappears.

“Saying ‘no’ to others means you are saying ‘yes’ to yourself, ” said Leslie Charles, a professional speaker from East Lansing, Michigan.

“Time is precious. People are spending money buying time. And yet we are willing to give up our time because we can’t say ‘no’.”

Susie Watson, a famous writer, said people who always say “yes” need to say “no” without guilt(内疚)or fear of punishment. “I would rather have someone give me a loving ‘no’ than an obligated(强制的) ‘yes’, ” she said.

Susie Watson says she feels “no” obligation to give an explanation when she says “no” either socially or professionally. Does she feel guilty about it? “Not at all, ” said Watson, who is director of advertising and public relations at Timex Corp in Middlebury, Conneticut. “Most people are afraid of saying ‘no’… My advice is to say ‘yes’ only if you don’t mean ‘no’.”

Watson said “no” is the most effective weapon against wasting time. “Every year there are more demands on your time… Other people are happy to use up your time, ” Watson said. Time saving appears to be “no’s” greatest friend.

“No” can be your new friend, a powerful tool to take back your life. “No” may even take you further in the business world than “yes”.

“No” is power and strength. “No” now seems completely correct. “Saying ‘no’ isn’t easy. But finally it’s greatly liberating,” Charles said. But, he added, a “no” project needs to be worked on every day because it is hard to change long-term habit.

But, he also warns: “Don’t go to extremes. Don’t find yourself saying ‘no’ to everything. In return you should learn to hear ‘no’.”

The sentence “Saying ‘yes’ to yourself” means _______.

A. you can have more time to play with others

B. you needn’t care about other’s feeling if you are happy

C. you are selfish and treat others rudely

D. you can deal with your business as you have planned

When you say “no” to others you should say it in a _______.

A. secret way　　　B. polite way

C. proud way　　　　　D. guilty way

In Watson’s opinion, people can save much time on condition that _______.

A. they say “no” at a suitable time

B. they say “no” as much as possible

C. they are afraid of saying “no”

D. they make others angry at them

If a person says “no” to everything, the result he or she receive may be that he or she _______.

A. enjoys a wonderful life     B. makes a lot of money

C. faces difficulty in life　　D. forgets to say “yes” in the end

After getting married I moved to a flat. I felt pretty comfortable living there 16 something strange happened. I had a doll on the windowsill (窗台) facing the living room. One day, I came back home from work and found it was facing the window 17 . I thought it was my husband who played a 　18 on me, but he did not admit. I 19 the doll to face the living room again.

The next day, the 20 thing happened. But this time, my husband was so 21 that I believed he had not done that. There was no 　22 of anyone breaking into the house while we were away. And there was no reason to 　23 that someone stole into the house just to turn the doll and left. What happened not only 　24 us but also frightened us.

The doll kept turning every day 　25 Saturdays and Sundays when I was at home. I began to wonder if there was a ghost.

Then 　26 a school holiday, and I didn’t go to work. While exercising in the living room, I 27 the doll was turning by itself! It was very frightening but I 28 knew why it was turning. There was a construction site right next to the building where I 　29 . The construction was at the stage of pile driving (打桩) and our building shook 　30 with each pounding (重击). 31 I lived on the top floor, the shaking was quite strong. 　32 , the doll moved little by little with the shaking. This also 33 why the doll never turned on Saturdays and Sundays, 34 there was no construction work at weekends. If I had not been home on a weekday, I would never have 35 the truth.

【小题1】A. after　　　 　 　　　　 B. as　　　　　　 　　 　 C. once　 　 　　　　　　 D. until

【小题2】A. already　 　 　　　　 B. indeed 　　 　　　　　 C. instead　　　 　 　　　　　　 D. though

【小题3】A. trick　　　 　　　　　 B. part　　　　　 　　　　　 C. danger　　　　　　 　　　　　　 D. role

【小题4】A. changed　 　 　　　　 B. forced　　　 　　　　　 C. pushed　　　 　 　　　 D. turned

【小题5】A. other　　　　　　 　 B. same　　　　 　　　　　 C. whole　　　 　　　　　　 D. opposite

【小题6】A. serious　 　 　　　　 B. curious　　　　　　 　 C. anxious　　　　　　 　　　 D. nervous

【小题7】A. chance　 　 　　　　 B. need　　　　　 　　　　　 C. sign　　　　　　　　 　　　 D. way

【小题8】A. admit　　　　　　 　 B. think　　　　 　　　　　 C. expect 　 　　　　　　 D. worry

【小题9】A. confused 　 　　　　 B. excited　　　　　　 　 C. warned　　　　　　 　　　 D. interested

【小题10】A. including　　　 　 B. besides　　　　　　 　 C. without　　　　　　 　　　 D. except

【小题11】A. appeared　　　 　 B. came　　　　 　　　　　 C. existed　　　　　　 　　　　　　 D. passed

【小题12】A. decided 　 　　　　 B. remembered　　　 　 C. noticed　　　　　　 　　　 D. hoped

【小题13】A. immediately 　　 B. particularly 　　　　　　 C. originally　 　　　　　　 D. secretly

【小题14】A. worked 　 　　　　 B. exercised　 　　　　　 C. moved　　　　　　 　　　　　　 D. lived

【小题15】A. quickly 　 　　　　 B. strongly　　　　　　 　 C. slowly　　　 　　　　　　 D. slightly

【小题16】A. When　　　　　 　 B. Since　　　　 　　　　　 C. Though　　 　 　　　 D. Unless

【小题17】A. By chance　　 　 B. Above all　 　　　　　 C. As a result 　　　　　　 D. In the end

【小题18】A. explained　　　 　 B. discussed　 　　　　　 C. described　 　 　　　 D. suggested

【小题19】A. or　　　　 　 　　　　 B. if　　　　　　　 　　　　　 C. for　　　　　　 　 　　　 D. so

【小题20】A. looked into　　　　　 B. found out　　　　 　　　 C. picked up　 　　　　　 D. searched for

EAT YOUR VEGETABLES.　Wash your hands.　Always say "please"　and　"thank you　".We are full of advice for our children,　but when it comes to money,　we often have little to say.　As a result,　our children may grow up with clean hands and good manners,　but without any idea how to　manage their money.Here are some basics that will help guide them their entire lives：
Show them the future.　If your 13-year-old girl were to save $1.000,invest(投资)it at 8% and add $100 every month,　by the time she's 65,she would have $980,983!zxxk
Be careful of credit(信用).Credit cards can help you buy necessary things and build a credit history,　but they must be used responsibly,　which means paying off your debt in time.　Explain to your children that when you buy something using a credit card,　you can easily end up paying two or three times what you would have paid if you used cash.
Teach patience.　Suppose your child wants a new bicycle that costs $150.Rather than paying the cash,　give him some regular pocket money and explain that by putting aside,say,$15 each week,　he will be able to buy it for himself in only ten weeks.
Provide incentive.　Tell your children the importance of saving.　"For every dollar he or she agrees to save and invest rather than spend,　you agree to add another dollar to the pot,　"says Cathy Pareto,　expert in money planning.
Explain your values.　Values and money are deeply intertwined(缠结在一起),　says 　Eilleen 　Gallo,　co-author of The Financially Intelligent Parent.　When your child demands that you buy something,　explain why you really don't want to buy it.　"You might say, 'I'd rather save that money for your education,'"　advises Gallo.　Every time you spend or don't spend money,　you have a chance to share your values.
【小题1】The writer gives some basics to help ____ in a proper way.

A．parents teach their children how to deal with money

B．children follow their parents　'instructions

C．children manage their money

D．parents save their money

【小题2】The underlined word　"incentive"　in paragraph 6 means ____.

A．honor

B．praise

C．excitement

D．encouragement

【小题3】What leads the writer to write this article?
A.　Parents want to know how to educate their children.
B.　He wants to share his good ideas about money matters.
C　.He thinks money management the most important for children.
D.　Parents care 　little 　about their children's management of money.

　A few days ago I asked my sons’ governess（女家庭教师）Julia to come into my study. “Be seated, Julia, ”I said, “Let’s settle our accounts. I guess you most likely need some money, but maybe you’re too polite to mention it. Now then, we agreed on thirty dollars a month...”

　　“Forty.”

　　“No, thirty. I made a note of it. I always pay our governess thirty. Well, um, you’ve been here two months, so...”

　　“Two months and five days.”

　　“Exactly two months. I made a special note of it. That means you have sixty dollars coming to you. Take off nine Sundays... you know you didn’t work with Tom on Sundays, you only took walks. And three holidays... ”Julia was biting her finger nail nervously, her face red, but - not a word.

　　“Three holidays, therefore take off twelve dollars. Four days Tom was sick and there were no lessons, as you were occupied only with Dick. Three days you had a toothache and my wife gave you permission not to work after lunch. Twelve and seven - nineteen. Take nineteen off ... that leaves. hmm.... forty one dollars. Correct？”

　　Julia’s left eye reddened with tears welling up. Her chin trembled; she coughed nervously and blew her nose, but - still not a word.

　　“Around New Year’s Day you broke a teacup and a saucer; take off two dollars. The cup cost more, it was a treasure of the family, but- forget it. When didn’t I take a loss! Then, due to your neglect （疏忽）, Tom climbed a tree and tore his jacket; take away ten. Also due to your carelessness the maid stole Dick’s shoes. You ought to watch everything! You get paid for it. So, that means five more dollars off. The tenth of January I gave ten dollars.”

　　“You didn’t. ”sobbed Julia.

　　“But I made a note of it.”

　　“Well... if you say so.”

　　“Take twenty seven from forty one -that leaves fourteen.”

　　Both her eyes were filled with tears. Beads of sweat stood on the thin pretty little nose. Poor girl!

　　“Only once was I given any money,” she whispered, her voice trembling, “and that was by your wife. Three dollars, nothing more.”

　　“Really? You see now, and I didn’t know that! Take three from fourteen.. leaves eleven. Here’s your money, my dear. Three, three, three, one and one. Here it is !”

　　I handed her eleven dollars. She took them and pocketed them.

　　“Merci （法语: 谢谢）,”she whispered.

　　I jumped to my feet and started pacing the room. I was overcome with anger. “For what, this - ‘merci’?” I asked.

　　“For the money. ”

　　“But you know I’ve cheated you - robbed you ! I have actually stolen from you ! Why this‘merci’？”

　　“In my other places they didn’t give me anything at all.”

　　“They didn’t give you anything? No wonder! I played a little joke on you, a cruel lesson, just to teach you... I m going to give you all the eighty dollars! Here they are in the envelope all ready for you... Is it really possible to be so spineless （懦弱）?Why didn’t you protest? Why were you silent? Is it possible in this world to be without teeth and claws（爪）—to be such a fool?”

　　Embarrassed, she smiled. And I could read her expression,“It is possible.”

　　I asked her pardon for the cruel lesson and, to her great surprise, gave her the eighty dollars. She murmured her little“merci”several times and went out. I looked after her and thought,“How easy it is to crush the weak in this world !”

While talking to Julia, the wrier expected from her ________.

　　A. a protest　　　　　　　　　　　B. gratitude

　　C. obedience　　　　　　　　　　 D. an explanation

What shocked the writer was Julia’s ________.

　　A. nervousness in front of her boss

　　B. acceptance of injustice

　　C. shyness when talking about money

　　D. reluctance to express herself

The writer said, “Is it possible in this world to be without teeth and claws?” He was actually telling the governess ________.

　　A. to be more aggressive

　　B. to be more careful in her work

　　C. to protect her right

　　D. to live independently

At the end of the story, the writer said,“ How easy it is to crush the weak in this world!”to show ________.

　　A. his understanding of Julia’s anxiety

　　B. his worry about Julia’s future

　　C. his concern on the living condition of working - class people

　　D. his sympathy for the mental state of those exploited

—What happened to that poor little girl in the end?

—________, her parents died, leaving her an orphan.

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