Everybody in this world is different from one another．But do you know that understanding differences can help you better manage your money？

As we grow up，we gradually develop a set of our own values or beliefs．These are influenced by society，our family，the education we receive and so on．Once this value system is set up，it's not easy to change later in life．

Financial experts say that everyone also has their own belief of how to manage their finances．This is part of our value system and it has a great impact on the way we look after our money．

According to our different values，experts put us in three categories．They are：the ant，the cricket and the snail．

The ant works first

Just like ants who work heart and soul in summer in order to store food for winter，these people don't care about enjoying the moment．They work very hard and save money they earn so that they can enjoy life when they get old and retire．The ant loves to save but they could make more out of their money if they were willing to invest in some funds and stocks with low risk．

The cricket fun first

The cricket wants to enjoy everything now and doesn't think too much about the future．They even borrow money when they really want something．Many young people now belong to this group．These people have little savings．When they get old，they might have problems．They should learn to save and buy insurance．

The snail lives under pressure

The snail refers to people who make life difficult for themselves．They take big long term loans from the bank in order to buy things such as luxury houses．They are happy to take big loans even though they are not sure whether they can afford it．This can cause problems in the future．They should plan more carefully．

【小題】People with the character of the snail would like to __________．

A．enjoy life at the moment without thinking much about the future

B．put work before everything else

C．live a luxury life at all costs

D．take the risk of investing a large sum of money

【小題】Our beliefs and values are affected by the following except __________．

A．society B．our family

C．education D．money

【小題】This passage mainly talks about __________．

A．the spending nature of people

B．the relation between man and insects

C．the insects in nature

D．the problems with dealing with money

【小題】Which of the following has the character that the author prefers？

A．The ant B．The cricket

C．The snail D．None of the above

Jane had just finished her homework ________ her mom asked her to practice playing the violin yesterday.

A. when B. while

C. after D. before

________ their heavy load, the two brothers walked along the river bank.

A. Carrying B. Carried C. To carry D. Carry

John sold the camera yesterday which his brother ________him as a birthday present from Japan.

A. has sent B. had sent

C. was sending D. would send

We _______ the difficulty together, but why didn’t you tell me?

A. should face

B. might face

C. could have faced

D. may have faced

We ________ the project on time without your timely help .

A. would not have finished

B. will not finish

C. would have finished

D. will finish

Some experts believe it is the grandparents who ________ for the spoiled child.

A. are to blame B. are to be blamed

C. should blame D. are blamed

Directions: Complete the following passage by filling in each blank with one word that best fits the context.

All our dreams have something to do with our feelings, tears, longings, wishes, needs and memories. But something on the “outside” may affect 1. we dream of. If a person is hungry 2.tired or cold, his dream may include a feeling of this kind. If the blanket on your body has slipped 3.your bed, you may dream that you are sleeping or resting on the ice or snow. So the subject of your dream usually comes from something that has effect 4.you while you are sleeping(feeling of cold, a noise, a discomfort, etc.) and it may also use your past experiences and the wishes and interests you have now.

5. are some scientists who have made a special study of why we dream, what we dream and what those dreams mean. Their explanation of dreams, though a bit reasonable, is not accepted by everyone, it offers6.interesting way of dealing with the problem. They believe that dreams are mostly expressions of wishes that did not come 7. . In 8. words, a dream is a way of having your wishes carried out.

PART Ⅳ WRITING (45 marks)

Section A (10 marks)

Directions: Read the following passage. Fill in the numbered blankets by using the information from the passage. Write NO MORE THAN THREE WORDS for each answer.

Like our body, our memory needs regular exercise to be in good condition. Like the sportsman who must train to allow the body to respond to difficult times, the memory needs its own special training in order to stay in “shape” and improve.

There are many factors that can cause poor memory like insomnia (失眠), depression and alcohol. However, there are simple ways which you can follow to keep your memory in shape and actually help you to improve your memory’s condition and performance.

Never stop learning. Look for topics that interest you and really get involved in learning new information about them. Reading and attending lectures or programs are sources of continuous education of your brain with beneficial results to your memory.

Develop your social and family relationships. The more social you are, the better it is for your brain. Studies have shown that the brain and heart have a lot to gain from good family and social relationships.

Exercise your mind with games. The more you use your brain, the more you help your memory stay in shape. There are many games that can make you an intelligent person as well as entertain you such as chess, puzzles and board games.

Exercise physically can improve your memory. This type of exercise improves the circulatory （血液循環(huán)的） system. Even the simple but regular daily exercise such as fast walking can improve the heart and oxygenation（供氧） of the brain. The benefits of exercise affect positively many body systems, as well as our memory and other cognitive（認(rèn)知的） capabilities.

Eat more fruit and vegetables. What we eat every day affects the performance and long-term condition of our memory. Fruit and vegetables are an excellent source of antioxidants（抗氧化劑） and vitamins that can help and benefit the nervous system.

So our memory is like a sportsman. The more we practice our brains and memory, the better their performance will be.

Title: How to improve memory

In my three years with the city schools, I’ve seen a teacher with 10 years of experience become convinced, after just a few observations, ________ he was a terrible teacher.

A. what B. how C. that D. which