It's important to prepare for rainy days. Similarly, it's important to save money.{#blank#}1{#/blank#}Why? It's because they've got used to spending all the money they make. Sometimes, the hardest thing about saving money is just getting started. Here are some tips to help you save money.

    {#blank#}2{#/blank#}The first step in saving money is to know how much you're spending. For one month, keep a record of everything you spend money on. Once you have your data, organize these numbers by category(类别) and get the total amount for each.

    You can make a budget(预算). Now that you have a good idea of how much you spend in a month, what can you do now?{#blank#}3{#/blank#}To plan your spending, you can build a budget. In this way, you can limit over-spending and make sure that you put money away for unexpected situations.

    {#blank#}4{#/blank#}Doing so make it much easier to get started. Begin by deciding how long it will take to reach each goal. Some short-term goals include starting a fund to cover 6 months to a year of living costs and saving money for a vacation. Long-term saving goals are often several years or even decades away and can include saving for retirement and putting money away for a child's college education.

    Make saving money easier with automatic transfers (自动转帐). Automatic transfers to your savings account are very helpful.{#blank#}5{#/blank#}By moving money out of your checking account, you'll be less likely to spend money you plan to use for savings.

A. You can set savings goals.

B. You can record your costs.

C. You can plan your spending.

D. You can keep a record of what you do.

E. They can make saving money much easier.

F. However, some people find it hard to save money.

G. You can move money out of your savings account.

    What is the easiest way to stay warm in the super cold?{#blank#}1{#/blank#}. At least that is what Santa Claus told me.

    During Christmas, Dennis and I went to Finland. We brought back some tips for keeping warm in a cold temperature.

    ⒈There layers(层)work wonders.

    Start with the base layer, which sits right on your skin: choose something that can absorb sweat{#blank#}2{#/blank#}A sweater is a good choice. The most important layer is the outer clothes, which should be waterproof(防水的)and windproof.

    ⒉{#blank#}3{#/blank#}.

    You lose heat from every millimeter of uncovered skin, which was the biggest lesson I learned on this trip. My whole body was well covered. But I missed one sport: my face. So it often felt like the wind was going to blow my nose off.

    ⒊Exercise, don't just stand still.

    When it's cold, exercising may be the last thing you feel like doing, but be smart.{#blank#}4{#/blank#}and you will feel the difference. When we first got to Finland, we were freezing. But after a couple of minutes jumping around, we felt less cold.

    ⒋If you have a heater

    You may want to turn it all the way up, but it's best to keep it at between 18 and 20 degrees{#blank#}5{#/blank#}but not create a huge difference between inside and outside.

A. Grow a crazy beard.

B. The key is what your layer is

C. Cover every bit of your skin

D. That will keep you comfortable

E. Take a walk, faster than your normal speed

F. Don't forget to keep your hands and feet warm, too

G. The middle layer keeps your body heat from getting away

M: Remember Paul from our old school?

W: {#blank#}1{#/blank#}

M: I met him at the checkout in the supermarket the other day, and he was queuing right in front of me.

W: {#blank#}2{#/blank#}

M: Well, he started out as a manager in charge of sales. {#blank#}3{#/blank#} He teaches commercial English there.

W: Why did he get this new job? {#blank#}4{#/blank#}

M: Yes. It is tiring, though. After all, he has got a family to take care of.

W: I see. {#blank#}5{#/blank#}

M: Exactly!

A. Isn't he working in a company as a sales manager?

B. Then he transferred to work for an international giant.

C. Of course I do.

D. But he ended up getting a job at the local university.

E. Isn't it interesting to travel around as a sales manager?

F. That's a good point.

G. Sometimes it is a painful choice, career or family.

    Are anger problems should also be recognized as an illness like depression and anxiety? Anger is largely viewed as a secondary emotion — one caused by other emotions. People are thought to be angry because they are sad, anxious or stressed. {#blank#}1{#/blank#} Today, though, a growing number of mental health experts think that anger is a serious problem that needs its own treatment.

    To tell the difference between "normal" anger and "anger problem" is difficult. After all, everyone gets really mad from time to time. Experts point out a few ways.

    Disordered anger, as it is sometimes called, tends to be of greater intensity (强度). {#blank#}2{#/blank#} An example: While most people would get upset if a driver cut them off, someone with disordered anger might try to chase down the car and force it off the road.

    And in cases of disordered anger, the person gets angry more frequently and his/her anger lasts longer.{#blank#}3{#/blank#} But people with anger problems often stay angry for days, weeks or even years; their feelings of anger don't disappear over time.

    {#blank#}4{#/blank#} Disordered anger often damages people's lives. "It interferes (干扰) with people's relationships and their jobs," says Raymond Chip Tafrate, a US psychologist. "Even their health is affected."

    Anger clearly increases the risk of certain health problems, as many studies have shown. When people are angry, their hearts beat faster and their blood pressure goes up. {#blank#}5{#/blank#}

    Experts suggest that people with an anger problem take anger-management programs. The programs teach people to control their responses to stressful situations through the use of relaxation techniques. The programs sometimes also include life-skills training to help bring down stress and remove angry feelings.

A. Anger takes away people's joy in life.

B. Consequences are also important to consider.

C. The anger buried inside him rises to the surface.

D. For most people, angry feelings disappear quickly.

E. Over time, these changes will have bad effects on the body.

F. In the past, many doctors didn't accept the idea that anger could be a problem all on its own.

G. It takes very little to set off a person with an anger problem, and their responses are very strong.

    With the College Entrance Examination drawing near as a senior year student, you may have so many pressure coming from so many directions that you can't figure out what to do first.

    Balancing goals in life

    When you have many things to do and a lot of demands on your time, you can lose sight of what's important. One of the best ways to see the big picture—{#blank#}1{#/blank#} —is to lay out your goals.

    Pressure Points and How to Deal with Them

    Confused or overwhelmed- talk to someone you trust. {#blank#}2{#/blank#}. They may help you find solutions to your problems and worries

    Being too hard on yourself - ease up, take a break and do something you enjoy. Daydream, read a book, go out with friends—anything that helps you relax.

    Problems, problems, problems—recognize your limits. It's too stressful to try to deal with all your problems at once. {#blank#}3{#/blank#}.

    {#blank#}4{#/blank#}.

    It's important to remember that goals belong to you—not to your parents, your teachers, or your friends. After you're set your goals, identify the skills you have to achieve those goals. If you're not sure what skills you'll need, do some research. Try the library, your guidance adviser and teachers, and other people who could help you.

    Goals exist to serve you. If your goal is something you no longer want, change it. Identify the barriers to getting your goals. {#blank#}5{#/blank#}. Don't get depressed by a big, long-term goal—see what steps you can take to achieve it and set those steps down as short-term, “do-able” goals.

A. Goal-Setting Tips

B. Consider ways to overcome them

C. what you want out of life

D. Choose what's most urgent and set aside the rest until later

E. Discuss your concerns with a friend, parent or teacher

F. As long as you know what skill is important and what isn't

G. Too much to do

Forgiveness

    To forgive is a virtue, but no one has ever said it is easy. When someone has deeply hurt you, it can be extremely difficult to let go of your hate. However, forgiveness is possible, and it can be surprisingly beneficial to your physical and mental health. People who forgive show less sadness, anger and stress and more hopefulness, according to a recent research.

    {#blank#}1{#/blank#} Try the following steps:

    Calm yourself. {#blank#}2{#/blank#} You can take a couple of breaths and think of something that gives you pleasure: a beautiful scene in nature, or someone you love.

    Don't wait for an apology. Many times the person who hurt you does not intend to apologize. They may have wanted to hurt you or they just don't see things the same way. {#blank#}3{#/blank#} Keep in mind that forgiveness does not necessarily mean becoming friends again with the person who upset you.

    Take the control away from your offender (冒犯者). Rethinking about your hurt gives power to the person who caused you pain. Instead of focusing on your wounded feelings, learn to look for the love, beauty and kindness around you.

    {#blank#}4{#/blank#} If you understand your offender, you may realize that he or she was acting out of unawareness, fear, and even love. You may want to write a letter to yourself from your offender's point of view.

    Don't forget to forgive yourself. {#blank#}5{#/blank#} But it can rob you of your self­confidence if you don't do it.