译：A number of students were absent yesterday. 我可以给你许多不去的理由。
译：I could give you a number of reasons for not going.
3. 示例：It is absolutely essential to set some money aside for emergencies. The museum is closed while essential repairs are being carried out.
锻炼、新鲜空气和好的食物是保持健康必不可少的
译：Exercise, fresh air and good food are essential to the preservation of health. 即使在小公司里，计算机也是必不可少的工具。
译：Even in small companies, computers are essential tools.
4. 示例：There are all kinds of budget sheets available to help you figure things out and many of them are free on the Internet. This is the only room available. 何时才可以了解到情况？
译：When will the information be made available? 今天下午她有空吗？
译：Will she be available this afternoon?
5. 示例：Do some brainstorming about your expenses and how you could possibly cut back on them. If we don't sell more we'll have to cut back on production. 我们反对一切削减教育预算的计划。
译：We oppose any plans to cut back on the education budget. 他们在停电期间缩减生产。
译：They cut back on production during the power cut.
IX. Translate the following sentences into English.
1.使用真皮制品从长远的观点来看还是相对便宜的，因为真皮制品比较经久耐用。 译：It'll be cheaper in the long run to use real leather because it will last longer. 2.她想出了增加销售量的新主意。
译：She came up with a new idea for increasing sales. 3.无债一身轻。
译：Out of debt, out of danger.
4.如果你要吸引更多的顾客，就试试在当地报纸登广告。
译：If you want to attract more customers, try advertising in the local paper. 5.用石油为原料比用石油作燃料更有好处。
译：Using oil as a raw material is more advantageous than using it as a fuel.
X. Translate the following sentences into Chinese.
1.The first, and maybe the most important step, is to set a budget for yourself and stick by it. 译：首先，而且或许是最重要的一步就是要为自己做好预算，而且要按照预算来执行。 2.If you have those items in your budget, it’s also a good way to track how much you are actually spending on them each month. 译：如果你在做预算时包含了这些项目，那么你就能很好地了解你每个月在这些项目上实际花了多少钱。
3.Items like insurance policies should also be labeled and file so that you can readily find them if
and when you need them.
译：像保险单这样的文件也要分类归档，以便在你需要的时候能很容易地找到它们。 4.It is wise to write them down on paper because it is less easy to dismiss them that way. 译：把它们记在纸上是一种很明智的做法，因为这样就不容易轻易放弃。
5.It’s handy to have something in the freezer and less costly in the long run than making a quick trip to the store after work and picking up only what you need for that night’s meal. 译：在冰箱里储存些食品不仅方便，而且从长远来看比每天下班后匆匆赶到商店购买当天晚饭所需要的物品更节省。 XI. Reading comprehension.
In this exercise, there is a passage followed by some multiple-choice questions. Read the questions first, and then the passage. Don't worry about any new words as long as you understand the meaning well enough to answer the questions. Then answer the questions by making the best choice for each one.
More than how much money comes in it's a matter of how you spend it. That's where budgeting comes in. A detailed budget helps you keep tabs on your income. There are many people who are able to live comfortably on what they earn, even if their income is modest. A budget, therefore, keeps track of income and expenses. It will segregate your fixed expenses like your food, stay and insurance and your variable expenses like your travel, entertainment, etc.
Adequate insurance for you and your family is an essential part of investing. Life, health and property insurance protect you and your loved ones from unforeseen mishaps. It is also wise to make a will so that your assets can be handled smoothly.
Good personal finance management involves investing, managing risk, insurance, understanding and handling debt and credit, knowing the value of time and money and ensuring that your retirement is taken care of. While planning you make an assessment of your present situation in relation to your goals. Managing personal finances becomes a hassle when you get into debt. Debt is what you owe, and can be good and bad. If you have borrowed money to buy property, it is an investment and the money you pay against interest on the loan is tax deductible. But running up debts like overdue credit cards is not good. This is why budgeting is very important so that you know exactly where your money is going. It is very easy to lose track of what you spend without a budget.
There are multiple ways to invest and save for the future. The crux of the matter is to keep in mind your sources of income and account for your expenses, while keeping a budget that is feasible. Periodical review keeps you in control of your personal finance. 1.The word \An.: C. Average.
2. How many ways of finance management does the author mainly mention? An.: D. 2.
3. What's the essential part of investing for a family? An.: C. Adequate insurance
4. How does the author think of debt? An.: B. It's both good and bad.
5. What does this passage mainly talk about? An.: A. How to manage money.
Part Three: Write and Produce Exercises I. Write a composition based on the topic \
Mid-Autumn Festival
The Mid-autumn Festival, also called the Moon Festival, is one of the traditional Chinese festivals. It is on August 15, in the Chinese calendar, when, in the evening, the moon is supposed to be quite round. It is a festival for family reunions.
When the Mid-autumn Festival is near, all of the Chinese people will buy moon cakes. People send presents to their friends and relatives to express their wishes.
In the evening of the day, all the family members try to get home to have a feast together. After the feast, they will enjoy cakes and different kinds of fruits and go out to appreciate the moon. The children will light their pretty lanterns.
The Mid-autumn Festival is a meaningful festival. The Chinese love it because it symbolizes reunions and happiness.
II. Write a composition based on the topic \
Water Pollution
Water is viewed as the source of life. The quality of water directly influences our health and water resources are limited on earth. However, water source is polluted seriously now.
With the development of industry and agriculture, more and more waste water, for example, water coming from the paper-making factories, is being poured into rivers and seas. The
poisoning water not only kills animals and plants but infects our drinking water. It is harmful to our health that many people get sick because they drink the polluted water.
We should fight against the water pollution. The effective measures should be taken to cope with the harsh situation to secure our life. Our government should start building various facilities such as sewage treatment plants and encourage scientists to work out more and better ways to reduce the pollution of water. Water is the source of lour lives. It is very important to protect water.
Part Four: Pick up your grammar Exercises I. Choose the best answer to complete each of the following sentences.
1. The two elements ____________water is made are the oxygen and hydrogen. An.: C. of which
2. The crime was discovered till 48 hours later, ____ gave the criminal plenty of time to get away. An.: A. which
3. A good many proposals were raised by the delegates, ____________was to be expected. An.: D. as
4. Mary is the only one of the team members____________ to be transferred. An.: A. who is going
5. Mrs. Lee will move into her new house next Monday, _____it will be completely furnished. An.: C. by which time
6. The village____________ my mother grew up in is not far from the city. An.: C. which
7. The company official ____________ I thought would be fired received a raise.
An.: C. who
8. The machine is such ____________I have never seen before. An.: B. as
9. The International Studies University, ____________in 1951, is a military academy. An.: A. founded 10. A student, ____________ name I don't know, came to see me. An.: C. whose
11. The time will come ____________ man can fly ____________ he likes in the universe. An.: B. when ... wherever
12. Is this museum ____________you visited a few days ago? An.: D. the one
13. She is waiting for the doctor ____________ I know will not come. An.: B. who
14. Is this the place ____________the exhibition was held? An.: A. where
15. — Who is John Smith?
— He is the speaker ____________ heard last week. An.: C. we
II. Spot the incorrect parts of the following sentences and correct them. 1.This is the watch for which Tom is looking. An.: This is the watch which Tom is looking for.
2.Many of our Welsh people are going to settle in North Carolina, which land is cheap. An.: Many of our Welsh people are going to settle in North Carolina, where land is cheap. 3.The sun gives off light and warmth, that makes it possible for plants to grow. An.: The sun gives off light and warmth, which makes it possible for plants to grow.
4. The American Red Cross is one of the volunteer organizations which purpose is to help the sick and the needy.
An.: The American Red Cross is one of the volunteer organizations whose purpose is to help the sick and the needy.
5. I've read all the books which I borrowed from the library.
An.: I've read all the books that I borrowed from the library.或 I've read all the books I borrowed from the library.
6. There are not many people in this city which own the houses they live in. An.: There are not many people in this city who own the houses they live in. 7. I, who is your friend, will try my best to help you. An.: I, who am your friend, will try my best to help you. 8. This is the best film which I have ever seen.
An.: This is the best film that I have ever seen.或 This is the best film I have ever seen. 9. Which is well-known to all, too much stress can cause disease. An.: As is well-known to all, too much stress can cause disease.
10. He is the only one of the students who have been invited to the English Evening. An.: He is the only one of the students who has been invited to the English Evening. 11. We have two books, but none of which can be used by you.
An.: We have two books, but neither of which can be used by you. 12. Who is the man who has white hairs? An.: Who is the man that has white hairs?
13. People hold the VIP card will be free of charge for this service. An.: Those who hold the VIP card will be free of charge for this service. 14. The person to who you spoke is a student of Grade Two. An.: The person to whom you spoke is a student of Grade Two.
15. The hotel manager, whom I complained about the service, apologized to me sincerely. An.: The hotel manager, to whom I complained about the service, apologized to me sincerely.