【R3】A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT. B. TRYING TO GET OUT OF THE LATE FEE SOMETI - 试题答案网问答

第1题

【R3】A. MIND YOURSELF THAT DON"T BE A SLAVE TO EMAIL. B. YOU SHOULD PLAN YOUR DAY AT THE S

【R3】

A. MIND YOURSELF THAT DON"T BE A SLAVE TO EMAIL.

B. YOU SHOULD PLAN YOUR DAY AT THE START OF EACH DAY.

C. GETTING YOUR OFFICE ORGANIZED WILL IMPROVE YOUR WORKING EFFICIENCY.

D. TAKING ADVANTAGE OF SOME RIGHT SOFTWARE COULD HELP YOU A LOT.

E. YOU CAN DELEGATE TASKS TO OTHERS INSTEAD OF DOING THEM YOURSEL

F. DON"T SPEND HALF YOUR WORK DAY ON FACEBOOK AND THEN BRAG ABOUT IT IF YOU SPEND TOO MUCH TIME WORKING IN YOUR BUSINESS, YOU WON"T HAVE ENOUGH TIME TO WORK ON YOUR BUSINESS. THAT IS, IF ALL YOU HAVE DONE IS CREATE A JOB FOR YOURSELF, THAT"S A MISTAK

E. IT IS FAR BETTER, AND SMARTER, TO FIGURE OUT HOW TO FREE YOURSELF UP TO BE MORE ENTREPRENEUR, LESS WORKER. HERE"S HOW: 【R1】______ BEFORE THE CRAZINESS OF THE DAY SETS IN, BEGIN BY LOOKING AT WHAT IS COMING UP AND THEN PRIORITIZE IT. MAKE A LIST AND TRY TO FOLLOW IT. THAT WAY, INSTEAD OF EVENTS CONTROLLING YOU, YOU CONTROL THE

M. YOU DON"T WANT TO SPEND YOUR DAYS PUTTING OUT FIRES. IF YOU HAVE A DAY PLANNER, USE IT. IF YOU USE OUTLOOK OR A BLACKBERRY INSTEAD, BE SURE TO TAKE ADVANTAGE OF THEIR BUILT-IN ORGANIZATIONAL TOOLS. 【R2】______ THERE ARE SO MANY TIME-SAVING PRODUCTIVITY SOFTWARE TOOLS OUT THERE THAT IT IS A MISTAKE NOT TO USE AND TAKE ADVANTAGE OF THE

M. SOFTWARE MAKERS SPEND AN INORDINATE AMOUNT OF EFFORT ON R & D, LEARNING WHAT IT IS WE SMALL BUSINESS PEOPLE NEE

D. THEY THEN CREATE POWERFUL SOFTWARE APPLICATIONS DESIGNED TO FILL THOSE NEEDS. BUY THEM, LEARN THE

M. USE THE

M. THE MISTAKE MANY OF US MAKE IS THAT WE GET THIS GREAT SOFTWARE AND NEVER TAKE THE TIME TO LEARN EVERYTHING IT CAN DO FOR US. A DAY OF TRAINING CAN MAKE YOU FAR MORE ORGANIZED AND EFFECTIV

E. CHECK OUT PROJECT MANAGEMENT SOFTWARE, OR CUSTOMER RELATIONSHIP, ET

C. THEY CAN REALLY HELP. 【R3】______ WHEN I READ THAT THE AUTHOR OF THE 4-HOUR WORK SPENT A LITTLE MORE THAN AN HOUR A WEEK ON E-MAIL I WAS INCREDIBLY JEALOUS. FEW OF US HAVE FIGURED OUT HOW TO STOP THE ONSLAUGHT OF EMAIL TO THAT DEGREE, BUT EVEN SO, IT IS POSSIBLE TO BE SMARTER ABOUT EMAIL: DESIGNATE THE AMOUNT OF TIME A DAY YOU WANT TO SPEND DOING EMAIL AND STICK TO IT. SET ASIDE TIME FOR EMAIL ONCE OR TWICE A DAY, AND AGAIN, STICK TO IT. THE MISTAKE SOME MAKE IS GETTING SO CAUGHT UP IN EMAIL THAT THEY CHECK IT SEVERAL TIMES A DAY(OR HOUR!) 【R4】______ CONSTANTLY SEARCHING THROUGH STACKS OF PAPERS AND PILES OF NOTES IS NO WAY TO RUN AN OFFIC

E. GET THE OFFICE SUPPLIES YOU NEED AND PUT THEM WHERE YOU WILL USE THE

M. COLOR-CODE FILES. GET A SHREDDER. BUY A BIGGER FILE CABINET. GET AN EXTRA BOOKCAS

E. ORGANIZING YOUR OFFICE IS ONE OF THE EASIEST, MOST AFFORDABLE THINGS YOU CAN DO TO BE MORE PRODUCTIV

E. 【R5】______ YOU DON"T HAVE TO DO EVERYTHING YOURSEL

F. GIVING SOME OF YOUR WORKLOAD TO OTHERS WILL FREE YOU UP TO USE YOUR TIME BETTER, AND YOU WOULD DO MORE BUSINESS USING SAVED TIM

E. BEING UNORGANIZED COSTS YOU TIME; TIME THAT COULD OTHERWISE BE SPENT GROWING YOUR BUSINESS. YET WITH ONLY A FEW TWEAKS, RUNNING YOUR BUSINESS COULD BE EASIER, MORE ENJOYABLE, AND LESS STRESSFUL. AND WHO COULDN"T USE A LITTLE OF THAT RIGHT NOW？ ANYTHING YOU CAN DO TO BE MORE PRODUCTIVE IS A SMART MOV

E.

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第2题

【R3】A. BE DETACHED FROM THE STRESS OF YOUR COMPANY, B. MAINTAIN GOOD RELATIONSHIPS WITH O

【R3】

A. BE DETACHED FROM THE STRESS OF YOUR COMPANY,

B. MAINTAIN GOOD RELATIONSHIPS WITH OTHERS.

C. DON"T FEEL GUILTY FOR PROBLEMS THAT ARE NOT OF YOUR OWN MAKIN

G.

D. SPEND 10% OF YOUR TIME DOING SOMETHING PRODUCTIVE FOR YOURSEL

F.

E. TAKE PRIDE IN YOUR WOR

K. THERE IS NO SHORTAGE OF INTERNET ARTICLES PROCLAIMING THE END OF THE 9 TO 5 WORKING WEE

K. BUT, THE REALITY FOR MANY OF US IS THAT OUR JOB IS HARD WORK, REPETITIVE AND OFTEN NOT PARTICULARLY INTERESTIN

G. IF YOU HAVE TO TRUDGE INTO THE OFFICE 9-5, 5 DAYS A WEEK, THESE ARE SOME SUGGESTIONS TO MAKE WORK LESS OF A BURDEN AND MORE ENJOYABL

E. 【R1】______ THE PROBLEM WITH AN OFFICE ENVIRONMENT IS THAT YOU HAVE NO CHOICE OF THE PEOPLE YOU WORK WIT

H. IF YOUR RELATIONSHIPS WITH THESE PEOPLE SOUR, IT CAN MAKE WORK A REAL PAI

N. THEREFORE, WORK HARD TO MAINTAIN REASONABLE RELATIONSHIPS WITH YOUR WORK COLLEAGUES. DON"T HARSHLY CRITICIZE OTHERS, EVEN IF THEY DESERVE IT; DON"T TAKE CRITICISM TOO PERSONALLY; AVOID ARGUMENTS WITH LOUD AND OBNOXIOUS PEOPL

E. IF YOU FIND IT DIFFICULT TO GET ALONG WITH SOMEONE, FORCE YOURSELF TO REMEMBER SOME POSITIVE QUALITY THAT PERSON HAS—YOU MAY BE SURPRISED AT HOW MUCH THE SITUATION IS IMPROVE

D. 【R2】______ EVEN IF YOU DON"T PARTICULARLY LOVE YOUR COMPANY, IT IS STILL ADVISABLE TO TRY AND DO YOUR JOB CONSCIENTIOUSLY. IF YOU TRY TO DO YOUR JOB WELL, YOU WILL GAIN A LASTING SATISFACTION AND IT WILL HELP GIVE A PURPOSE TO WORKIN

G. IF YOU FEEL THERE IS NO POINT TO YOUR WORK, YOU WILL HAVE A PERMANENT FEELING OF DISSATISFACTION, AND IT WILL BE IMPOSSIBLE TO ENJOY YOUR TIME AT WOR

K. IF YOU DISLIKE THE ETHOS OF YOUR COMPANY, YOU CAN STILL DO A GOOD JOB; JUST FEEL YOU ARE DOING IT FOR YOUR BENEFIT AND NOT THE COMPANY"S. FOR EXAMPLE, A GOOD ATTITUDE WILL DEFINITELY HELP GET A GOOD RECOMMENDATION WHEN YOU ARE LOOKING FOR A NEW JO

B. 【R3】______ MANY COMPANIES HAVE AMBITIOUS SALES TARGETS AND PROFIT MARGINS. A CORPORATE PHILOSOPHY SUCH AS THIS CAN EASILY CREATE A PRESSURED WORK ENVIRONMENT FOR THEIR EMPLOYEES. HOWEVER, YOU SHOULD FEEL THAT IT IS NOT YOUR RESPONSIBILITY TO TAKE ON THIS STRESS. WHY SHOULD YOU NEEDLESSLY SUFFER JUST SO THAT THE COMPANY CAN PAY A HIGHER DIVIDEND TO ITS SHAREHOLDERS？ DO A GOOD JOB, BUT DON"T FEEL OBLIGED TO SACRIFICE YOUR OWN EQUANIMITY FOR THE EXCESSIVE DEMANDS OF YOUR COMPANY. TAKE YOUR LUNCH BREAK AWAY FROM WOR

K. EVERY NOW AND THEN IT IS GOOD TO GET AWAY FROM THE PRESSURED ENVIRONMENT OF WOR

K. A CHANGE OF SCENERY HELPS TO PUT THE WORKPLACE INTO PERSPECTIV

E. IF YOU SPEND ALL YOUR TIME AT WORK, IT CAN START TO FEEL CLAUSTROPHOBI

C. IF YOU CAN SPEND TIME IN A GOOD CAFE OR GARDEN IT CAN HELP TO RECHARGE THE BATTERIES. IT IS ALSO HELPFUL TO BE ON YOUR OWN OR MEET FRIENDS FROM OUTSIDE WOR

K. 【R4】______ ONE OF THE MOST DIFFICULT ASPECTS OF WORK IS DEALING WITH CUSTOMER COMPLAINTS. THESE COMPLAINTS ARE OFTEN NOT YOUR FAULT, BUT, IT IS YOU WHO HAVE TO SUFFER. IT IS IMPORTANT TO REMEMBER, IT IS NOT YOUR FAULT THAT YOUR COMPANY IS UNDERSTAFFED OR TRYING TO CUT CORNERS. IN THESE SITUATIONS WE SHOULD NEVER FEEL GUILTY, BUT, CALMLY AND POLITELY DIRECT CUSTOMERS TO THE RIGHT CHANNELS FOR COMPLAININ

G. 【R5】______ IF WORK IS BORING THERE IS A TEMPTATION TO WASTE TIME SURFING THE INTERNET, AND PARTICIPATING IN UNPRODUCTIVE SOCIAL NETWORKIN

G. THE SITUATION IS SO COMMONPLACE THAT MANY EMPLOYERS RESORT TO BANNING FACEBOOK ET

C. HOWEVER, RATHER THAN SURFING AIMLESSLY, WHY NOT DO SOMETHING PRODUCTIVE？ FOR EXAMPLE, DEVELOPING A BLOG, AND FINDING AN ALTERNATIVE INCOME SOURCE TO YOUR CURRENT JO

B. DON"T TAKE YOUR WORK HOM

E. THE GOOD THING ABOUT A 9 TO 5 JOB IS THAT AT THE END OF THE WORK DAY YOU ARE FRE

E. THEREFORE, IT IS IMPORTANT TO MAKE SURE THAT YOU DON"T TAKE ANY WORK HOME WITH YOU. THIS INCLUDES CHECKING WORK E-MAILS OR EVEN THINKING ABOUT YOUR WORK SITUATIO

N. IN THE EVENING TRY TO SWITCH OFF; YOU WILL NOT BE ABLE TO SOLVE ANY PROBLEMS AT HOME, JUST LEAVE EVERYTHING UNTIL THE NEXT DAY.

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第3题

【R3】A. MORE THAN WILL POWER. B. SUPPORT NETWORK. C. CHANGING YOUR ENVIRONMENT. D. START

【R3】

A. MORE THAN WILL POWER.

B. SUPPORT NETWOR

K.

C. CHANGING YOUR ENVIRONMENT.

D. START SLOW.

E. FIRST THINGS FIRST. WE ALL KNOW THAT BREAKING A BAD HABIT OR ESTABLISHING A NEW, HEALTHY ONE CAN BE DIFFICULT, BUT PERSISTENCE PAYS OF

F. RESEARCHERS AT THE UNIVERSITY OF WASHINGTON FOUND THAT 63 PERCENT OF THOSE WHO MADE NEW YEAR"S RESOLUTIONS WERE STILL KEEPING THEIR RESOLUTION TWO MONTHS LATER. IT"S NOT GOING TO BE EASY, BUT THERE ARE WAYS TO INCREASE YOUR WILL POWER, STAY RESOLVED AND ACHIEVE YOUR GOALS. 【R1】______ DON"T TRY TO RESTRUCTURE YOUR FINANCES, WIN A PROMOTION AND LOSE WEIGHT ALL ON THE SAME MORNIN

G. ESTABLISH ONE CLEAR, SPECIFIC GOAL AND FORMULATE A REALISTIC STRATEGY FOR ACHIEVING IT. EXTRA WILL POWER SOMETIMES REQUIRES EXTRA ENERGY, SO DON"T STRETCH YOURSELF TOO THI

N. FOCUS ON ONE GOAL AT A TIM

E. 【R2】______ MOMENTUM BUILDS GRADUALLY, AND WHATEVER YOUR GOAL, DON"T EXPECT TO ACHIEVE IT OVERNIGHT. REAL SUCCESS TAKES TIM

E. IF YOU ARE TRYING TO KICK A CAFFEINE HABIT, START BY REPLACING YOUR MORNING CUP OF COFFEE WITH A GLASS OF WATER, INSTEAD OF VOWING NEVER TO DRINK COFFEE A-GAI

N. CONGRATULATE YOURSELF ON THE SMALL ACHIEVEMENTS THAT WILL PAVE THE WAY TOWARD A LARGER ON

E. THESE SUCCESSES HELP YOUR WILL POWER GROW. 【R3】______ BOLSTER YOUR WILL POWER BY TAPPING INTO A SUPPORT NETWOR

K. ASK FRIENDS, FAMILY OR COLLEAGUES FOR ASSISTANCE AND TELL THEM EXACTLY HOW THEY CAN HELP. IF YOUR CREDIT CARD BILLS HAVE SKYROCKETED, FOR INSTANCE, LET FRIENDS KNOW THAT YOU ARE CUTTING BACK ON EXPENSES. SUGGEST HAVING A POTLUCK DINNER INSTEAD OF MEETING AT AN EXPENSIVE RESTAURANT. FIND A SUPPORT GROUP OR ORGANIZATION RELATED TO YOUR GOAL AND ATTEND THEIR MEETINGS. YOU CAN GET VALUABLE ADVICE, UNDERSTANDING AND INFORMATION—ALL OF WHICH INCREASE COMMITMENT AND WILL POWER. 【R4】______ IF POSSIBLE, ALTER YOUR ENVIRONMENT TO REDUCE TEMPTATION OR ENCOURAGE POSITIVE BEHAVIOR. WANT TO GET IN SHAPE？ KEEP AN EXTRA SET OF WORKOUT CLOTHES IN YOUR OFFICE AS A REMINDER TO STOP BY THE GYM ON THE WAY HOM

E. QUITTING SMOKING？ AVOID BARS OR RESTAURANTS WHERE YOU MIGHT BE TEMPTED TO LIGHT UP. 【R5】______ SOMETIMES CHANGING YOUR BEHAVIOR. REQUIRES MORE THAN WILL POWER. IF YOU ARE STRUGGLING WITH AN ADDICTION OR WANT TO MAKE A SIGNIFICANT LIFESTYLE. CHANGE, SEEK THE GUIDANCE AND SUPPORT OF A PROFESSIONAL. AN EXPERT MAY BE ABLE TO PROVIDE INTENSIVE SUPPORT AND FOLLOW-UP OR PRESCRIBE MEDICATION TO REDUCE PHYSICAL SYMPTOMS. FOR EXAMPLE, WITHOUT HELP ONLY 5 PERCENT OF SMOKERS CAN QUIT BUT THAT NUMBER RISES TO 30 PERCENT WHEN PEOPLE SEEK BOTH DRUG THERAPY AND COUNSELIN

G. SOMETIMES WILL POWER IS A LOT LIKE THE TELEVISION REMOTE CONTROL—HARD TO FIND JUST WHEN YOU WANT IT MOST. WHETHER YOU"RE TRYING TO LOSE WEIGHT, STOP SMOKING, GO TO THE GYM REGULARLY, WIN A PROMOTION OR PAY OFF SOME DEBTS, DEVELOPING YOUR SENSE OF WILL POWER IS AN IMPORTANT PART OF CHANGING ANY BEHAVIOR.

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第4题

【R3】A. MAKE ONE POINT PER E-MAIL. B. INTERNAL E-MAIL. C. SPECIFY THE RESPONSE YOU WANT. D

【R3】

A. MAKE ONE POINT PER E-MAIL.

B. INTERNAL E-MAIL.

C. SPECIFY THE RESPONSE YOU WANT.

D. SUBJECT LINES ARE HEADLINES.

E. BE A GOOD CORRESPONDENT. WHEN YOU"RE TRYING TO LOCATE SOME INFORMATION IN AN E-MAIL SOMEONE SENT YOU A FEW WEEKS BACK, WHAT HELPS YOU FIND IT QUICKLY？ IF THE SENDER INCLUDED THE INFORMATION YOU WANT IN A LONG MESSAGE COVERING LOTS OF POINTS, THE CHANCES ARE THAT IT WILL TAKE YOU TIME TO FIND IT. WORSE, IF THE SENDER IS SOMEONE YOU COMMUNICATE WITH REGULARLY, AND HE OR SHE JUST PRESSED REPLY TO A PREVIOUS MESSAGE ABOUT A DIFFERENT POINT, THE HEADING OF THE MAIL YOU NEED WON"T ACTUALLY BE RELATED TO THE INFORMATION YOU WANT. THERE ARE A FEW SIMPLE RULES TO ENSURE THAT YOUR E-MAILS ARE READ IN THE FIRST PLACE AND STAY USEFUL TO THE RECIPIENT. 【R1】______ THE HEADLINE IN A NEWSPAPER DOES TWO THINGS: IT GRABS YOUR ATTENTION AND INFORMS YOU WHAT THE ARTICLE IS ABOUT SO YOU CAN DECIDE WHETHER YOU WANT TO READ FURTHER. E-MAIL SUBJECT LINES NEED TO DO THE SAME THIN

G. USE THE SUBJECT LINE TO INFORM. THE RECEIVER OF EXACTLY WHAT THE E-MAIL IS ABOUT IN A FEW WELL-CHOSEN WORDS. YOU MIGHT INCLUDE A CALL TO ACTION SUCH AS "PLEASE RESPOND BY 7 NOVEMBER", AND IF YOUR MESSAGE IS ONE OF A REGULAR SERIES OF MAILS, SUCH AS A WEEKLY PROJECT REPORT, INCLUDE THE DATE IN THE SUBJECT LINE TOO. BECAUSE EVERYONE GETS E-MAILS THEY DO NOT WANT(SPAM), APPROPRIATE USE OF THE SUBJECT LINE INCREASES THE CHANCES YOUR E-MAIL WILL BE READ AND NOT DELETED WITHOUT SO MUCH AS A GLANC

E. OF COURSE, JUST AS IT WOULD BE RIDICULOUS TO PUBLISH A NEWSPAPER WITHOUT HEADLINES, NEVER LEAVE THE SUBJECT LINE BLAN

K. 【R2】______ THE BEAUTY OF E-MAIL, COMPARED WITH LETTERS, IS THAT IT DOESN"T COST ANY MORE TO SEND SEVERAL MAILS THAN IT DOES TO SEND ON

E. SO, IF YOU NEED TO COMMUNICATE WITH SOMEONE ABOUT SEVERAL MATTERS, WRITE A SEPARATE E-MAIL ON EACH SUBJECT. THAT WAY YOUR CORRESPONDENT CAN REPLY TO EACH ONE IN THE APPROPRIATE TIME-FRAM

E. ONE TOPIC MIGHT ONLY REQUIRE A SHORT REPLY THAT HE OR SHE CAN MAKE STRAIGHT AWAY. ANOTHER TOPIC MIGHT REQUIRE MORE RESEARC

H. BY WRITING SEPARATE E-MAILS, YOU GET CLEARER ANSWERS. HOWEVER, AS WITH TRADITIONAL BUSINESS LETTERS, THE E-MAIL SHOULD BE CLEAR AND CONCISE, WITH THE PURPOSE OF THE E-MAIL DETAILED IN THE VERY FIRST PARAGRAP

H. SENTENCES SHOULD BE KEPT SHORT AND TO THE POINT. 【R3】______ MAKE SURE TO INCLUDE ANY CALL TO ACTION YOU DESIRE, SUCH AS A PHONE CALL OR FOLLOW-UP APPOINTMENT. THEN, MAKE SURE YOU INCLUDE YOUR CONTACT INFORMATION, INCLUDING YOUR NAME, TITLE, AND PHONE NUMBERS. DO THIS EVEN WITH INTERNAL MESSAGES: THE EASIER YOU MAKE IT FOR SOMEONE ELSE TO RESPOND, THE MORE LIKELY THEY ARE TO DO SO. 【R4】______ IF YOU REGULARLY CORRESPOND USING E-MAIL, MAKE SURE TO CLEAN OUT YOUR E-MAIL INBOX AT LEAST ONCE EACH DAY. THIS IS A SIMPLE ACT OF COURTESY AND WILL ALSO SERVE TO ENCOURAGE SEND-ERS TO RETURN YOUR E-MAILS IN A TIMELY MANNER. IF A LENGTHY RESPONSE IS REQUIRED TO AN E-MAIL, BUT YOU DON"T HAVE THE TIME TO PULL TOGETHER THE INFORMATION REQUIRED NOW, SEND A HOLDING REPLY SAYING THAT YOU HAVE RECEIVED THE MESSAGE, AND INDICATING WHEN YOU WILL RESPOND FULLY. ALWAYS SET YOUR OUT OF OFFICE AGENT WHEN YOU ARE GOING TO BE AWAY FROM YOUR E-MAIL FOR A DAY OR MORE, WHETHER ON LEAVE OR BECAUSE YOU"RE AT MEETINGS. 【R5】______ INTERNAL E-MAIL SHOULD BE CHECKED REGULARLY THROUGHOUT THE WORKING DAY AND RETURNED IN A MUCH QUICKER MANNER AS IT OFTEN INVOLVES TIMELY PROJECTS, IMMEDIATE UPDATES, MEETING NOTES, AND SO O

N. NONETHELESS, INTERNAL E-MAILS, JUST LIKE OTHER E-MAILS, SHOULD NOT BE INFORMAL. REMEMBER, THESE ARE WRITTEN FORMS OF COMMUNICATION THAT CAN BE PRINTED OUT AND VIEWED BY OTHERS THAN THOSE ORIGINALLY INTENDED FOR. ALWAYS USE YOUR SPELL CHECKER, AND AVOID SLAN

G. SINCE READING FROM A SCREEN IS MORE DIFFICULT THAN READING FROM PAPER, THE STRUCTURE AND LAY OUT IS VERY IMPORTANT FOR E-MAIL MESSAGES. USE SHORT PARAGRAPHS AND BLANK LINES BETWEEN EACH PARAGRAP

H. WHEN MAKING POINTS, NUMBER THEM OR MARK EACH POINT AS SEPARATE TO KEEP THE OVERVIEW.

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第5题

【R3】A. "BUT" TO KILL BAD THOUGHTS. B. 30, 90, 365. C. ONE HABIT FOR 30 DAYS. D. CONSIST

【R3】

A. "BUT" TO KILL BAD THOUGHTS.

B. 30, 90, 365.

C. ONE HABIT FOR 30 DAYS.

D. CONSISTENCY IS KEY.

E. ONE HABIT AT A TIM

E. HABITS, GOOD OR BAD, MAKE YOU WHO YOU AR

E. THE KEY IS CONTROLLING THE

M. IF YOU KNOW HOW TO CHANGE YOUR HABITS, THEN EVEN A SMALL EFFORT CAN CREATE BIG CHANGES. I"VE BEEN USING THESE TECHNIQUES FOR YEARS TO RE-ENGINEER MANY ASPECTS OF MY LIF

E. THAT INCLUDES OVERHAULING MY DIET, EXERCISING REGULARLY, CUTTING OUT TELEVISION, AND BULKING MY E-MAIL AND WORK ROUTINES. LITTLE CHANGE CAN RESULT IN AN IMPROVED QUALITY OF LIF

E. HERE ARE SOME TIPS TO GET YOU STARTE

D. 【R1】______ YOU FOCUS ON ONE CHANGE FOR THIRTY DAYS. AFTER THAT TIME IT HAS BEEN SUFFICIENTLY CONDITIONED TO BECOME A HABIT. THIRTY DAYS IS ALL YOU NEED TO MAKE A CHANGE PERMANENT. LESS TIME THAN THAT THE NEW ALTERNATIVE MIGHT NOT BE HARDWIRED INTO YOUR BRAI

N. REPLACE LOST NEEDS. IF YOU OPENED UP YOUR COMPUTER AND STARTED REMOVING HARDWARE, WHAT WOULD HAPPEN？ CHANCES ARE YOUR COMPUTER WOULDN"T WOR

K. SIMILARLY, YOU CAN"T JUST PULL OUT HABITS WITHOUT REPLACING THE NEEDS THEY FULFILL. GIVING UP TELEVISION MIGHT MEAN YOU NEED TO FIND A NEW WAY TO RELAX, SOCIALIZE OR GET INFORMATIO

N. 【R2】______ A MONTH MAY SEEM LIKE A LONG TIME TO FOCUS ON ONLY ONE CHANGE, BUT I"VE FOUND TRYING TO CHANGE MORE THAN A FEW HABITS AT A TIME TO BE RECKLESS. CHANGING HABITS ISN"T A MATTER OF WILL POWER, BUT PATIENCE AND STRATEGY. DON"T EXPECT TO OVERHAUL YOUR DIET, EXERCISE OR THINKING PATTERNS IN A DAY. TACKLE ONE HABIT AT A TIM

E. WITH JUST ONE HABIT CHANGE YOU CAN FOCUS ON MAKING IT REALLY STIC

K. MULTITASKING BETWEEN THREE OR FOUR OFTEN MEANS NONE BECOME HABITS. BALANCE FEEDBAC

K. THE DIFFERENCE BETWEEN LONG-TERM CHANGE AND GIVING UP ON DAY 31 IS THE BALANCE OF FEEDBAC

K. IF YOUR CHANGE CREATES MORE PAIN IN YOUR LIFE THAN JOY, IT IS GOING TO BE HARD TO STICK TO. DON"T GO TO THE GYM IF YOU HATE IT. FIND DIETS, EXERCISE, FINANCIAL PLANS AND WORK ROUTINES THAT ARE FUN TO FOLLOW AND SUPPORT YOU. 【R3】______ A PROMINENT HABIT-CHANGING THERAPIST ONCE TOLD ME A GREAT WAY TO NUKE BAD THINKIN

G. ANYTIME YOU FEEL YOURSELF THINKING NEGATIVELY ABOUT YOURSELF, USE THE WORD "BUT" AND POINT OUT POSITIVE ASPECTS. "I"M LOUSY AT THIS JOB—BUT—IF I KEEP AT IT I CAN PROBABLY IMPROV

E. " 【R4】______ I"D LIKE TO SAY MOST HABITS GO THROUGH A SERIES OF CHECKPOINTS IN TERMS OF CONDITIONIN

G. THE FIRST IS AT THIRTY DAYS. HERE IT DOESN"T REQUIRE WILL POWER TO CONTINUE YOUR CHANGE, BUT PROBLEMS MIGHT OFFSET IT. AT NINETY DAYS ANY CHANGE SHOULD BE NEUTRAL WHERE RUNNING THE HABIT IS NO MORE DIFFICULT THAN NOT RUNNING IT. AT ONE YEAR IT IS GENERALLY HARDER NOT TO RUN THE HABIT THAN TO CONTINUE WITH IT. BE PATIENT AND RUN HABITS THROUGH THE THREE CHECKPOINTS TO MAKE THEM STIC

K. 【R5】______ THE POINT OF A HABIT IS THAT IT DOESN"T REQUIRE THOUGHT. VARIETY MAY BE THE SPICE OF LIFE, BUT IT DOESN"T CREATE HABITS. MAKE SURE YOUR HABIT IS AS CONSISTENT AS POSSIBLE AND IS REPEATED EVERY DAY FOR THIRTY DAYS. THIS WILL ENSURE A NEW HABIT IS DRILLED IN, INSTEAD OF MULTIPLE HABITS LOOSELY CONDITIONE

D. KEEP IT SIMPL

E. YOUR CHANGE SHOULD INVOLVE ONE OR TWO RULES, NOT A DOZE

N. EXERCISING ONCE PER DAY FOR AT LEAST THIRTY MINUTES IS EASIER TO FOLLOW THAN EXERCISING TUESDAYS, WEDNESDAYS AND FRIDAYS WITH YOGA THE FIRST DAY AND MOUNTAIN BIKING THE THIRD DAY, EXCEPT WHEN IT IS RAININ

G. SIMPLE RULES CREATE HABITS, COMPLEX RULES CREATE HEADACHES.

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第6题

【R3】A. CREATE A CREATIVE SPACE. B. KEEP AN OPEN MIND. C. ANYTHING IS POSSIBLE. D. TIE I

【R3】

A. CREATE A CREATIVE SPAC

E.

B. KEEP AN OPEN MIN

D.

C. ANYTHING IS POSSIBL

E.

D. TIE INTO YOUR BUSINESS GOALS.

E. DON"T NEGLECT THE DETAIL. PLACING AN EMPHASIS ON CREATIVITY WITHIN THE WORKFORCE IS ONE OF THE SMARTEST THINGS THAT YOU CAN DO IN ANY ECONOMIC CIRCUMSTANC

E. CREATIVITY LEADS TO INNOVATION, WHICH IN TURN LEADS TO INCREASED PERFORMANCE, MORALE AND DYNAMIS

M. THESE ELEMENTS ARE ALWAYS ESSENTIAL TO A SUCCESSFUL BUSINESS, BUT THEY ARE OF EVEN GREATER VALUE AT TIMES OF ECONOMIC UNCERTAINTY. BELOW ARE SOME TIPS ON HOW TO ENCOURAGE YOUR COLLEAGUES TO MAKE MORE CREATIVE DECISIONS AND INSPIRED JUDGEMENTS. 【R1】______ TO ENABLE TRULY CREATIVE SOLUTIONS, YOU MUST FIRST ENSURE THAT YOUR TEAM HAS A COLLECTIVELY OPEN MIND TO THE POSSIBILITIES THAT LAY OUT THER

E. ALL TOO OFTEN, TEAMS CAN GET TRAPPED WITHIN CURRENT COMPANY MENTALITIES, OUTLOOKS AND CULTURE, AND THIS CAN IMPEDE INNOVATIVE IDEAS FROM SURFACIN

G. TRY AND CREATE A SITUATION WHEREBY EXISTING THINKING IS PLACED ON HOLD, BY USING A FEW GAMES(WORD ASSOCIATION IS A POPULAR CHOICE)TO FREE PEOPLE"S MINDS UP FROM THEIR NORMAL THINKING PATTERNS AT THE BEGINNING OF THE SESSIO

N. 【R2】______ CONVENTIONAL OFFICES ARE NOT NATURAL PLACES TO INSPIRE CREATIVITY, BY VIRTUE OF THE COMPARTMENTALIZED WORKSPACE AND FORMAL SETTINGS THAT THEY CAN PROVID

E. IT CAN THEREFORE BE HELPFUL TO DEVELOP AN ENVIRONMENT—EITHER WITHIN THE ENTIRE OFFICE OR WITHIN A SEGMENT OF IT THAT IS CONDUCIVE TO FREE THINKIN

G. IN THIS WAY, YOU CAN PSYCHOLOGICALLY REMOVE YOUR COLLEAGUES FROM THEIR EXISTING ROLES AND GET THEM TO CONCENTRATE ON LESS RIGID, MORE CREATIVE SOLUTIONS TO YOUR COMPANY"S COMMERCIAL CHALLENGES. 【R3】______ CREATIVITY IS THE ABILITY TO APPROACH ANY SUBJECT MATTER WITH FRESH PERSPECTIVES AND CREATE REVOLUTIONARY IDEAS WITHIN IT THAT DID NOT EXIST BEFOR

E. AT THE BEGINNING OF YOUR SESSION, TRY TO ALLOW AS MANY DIFFERENT VOICES WITHIN THE TEAM TO BE HEARD AND DO NOT DISMISS ANY IDEA AT THIS STAGE, NO MATTER HOW LUDICROUS IT MAY SOUN

D. GROUP CREATIVITY IS BASED ON TRUST AND PEOPLE WILL NEED TO BE ENCOURAGED TO LET THEIR MINDS ROAM AROUND THE CREATIVE CHALLENGE IF GENUINE PROGRESS IS TO BE MAD

E. THERE WILL BE TIME TO RATIONALIZE LATER, BUT ALWAYS START FROM THE BASIS THAT ANYTHING IS INDEED POSSIBL

E. 【R4】______ BEING CREATIVE IS A GREAT ATTRIBUTE FOR ANY EMPLOYEE OR TEAM TO POSSESS, ALTHOUGH IT IS FUNDAMENTAL THAT YOU DIRECT THE CREATIVE ENERGIES AND IDEAS WITHIN THE SESSION TOWARDS REAL BUSINESS GOALS. THERE IS NO POINT IN NURTURING CREATIVITY WITHIN YOUR WORKPLACE UNLESS IT HAS THE CHANCE TO FLEX ITS MUSCLE ON LEGITIMATE BUSINESS OBJECTIVES, AND THE ABILITY TO PUT IDEAS INTO TANGIBLE COMMERCIAL ACTION IS THE SIGN OF A DYNAMIC COMPANY. 【R5】______ AS A GENERAL RULE OF THUMB, PEOPLE WHO TEND TO BE EFFECTIVE ON THE CREATIVE SIDE TEND ALSO TO BE LESS EFFECTIVE ON THE DETAILS THAT SUPPORT THE "BIG IDEA". WHILST YOU ARE DEVELOPING THE CREATIVITY WITHIN YOUR TEAM, IT IS ALSO IMPORTANT TO BUILD AN ATTENTION TO REALITY AND DETAIL WITHIN THE PROCEDUR

E. A GREAT IDEA IS NOTHING IF IT CANNOT PRACTICALLY BE PUT INTO ACTION, AND THE MECHANICS OF THE CONCEPT ARE EVERY BIT AS IMPORTANT AS THE OVERALL IDEA ITSEL

F. A GOOD MIX OF INDIVIDUAL SKILLS AND PROCESS SHOULD ALLOW THE TRANSITION FROM CONCEPT TO REALITY TO BE SMOOT

H. THE CREATIVE PROCESS IS, BY DEFINITION, A POSITIVE AND CONSTRUCTIVE ACT, AND THE ESTABLISHMENT OF AN EFFECTIVE CREATIVE PROCESS WITHIN YOUR COMPANY CAN LEAD TO MANY BENEFITS, BOTH INTERNALLY AND EXTERNALLY. CREATIVE THINKING MAY WELL ADD SIGNIFICANTLY TO YOUR COMPANY"S BOTTOM LINE, ALTHOUGH IT CAN BE JUST AS VALUABLE A PROCESS IN UNITING AND FOCUSING A TEAM TOWARDS BUSINESS OBJECTIVES THAT THEY HAD A PART IN CREATIN

G. MIXING UP PEOPLE FROM DIFFERENT DEPARTMENTS CAN ALSO HELP THE PROCESS, AND ALLOW YOUR TEAMS TO INTEGRATE WITH EACH OTHER IN A WAY THAT MAY NOT HAVE BEEN POSSIBLE BEFOR

E.

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第7题

【R3】A. IT LOOKS LIKE THIS DOWNTURN IS IN FOR THE LONG HAUL. B. SKILLED WORKERS MIGHT NOT

【R3】

A. IT LOOKS LIKE THIS DOWNTURN IS IN FOR THE LONG HAUL.

B. SKILLED WORKERS MIGHT NOT BE SPARE

D.

C. IT HAS ALREADY HURT JOB GROWT

H.

D. IF YOU WERE GOING TO RETIRE SOON, IT WILL BE A LOT HARDER TO.

E. THE DAMAGE IS LIKELY TO SPREAD TO OTHER SECTORS. BY NOW, YOU"RE PROBABLY UP TO YOUR EYEBALLS IN UNSETTLING ECONOMIC CRISIS NEWS. THE STOCK MARKETS, TANKE

D. REAL ESTATE VALUE, SUN

K. BUT MUCH LESS HAS BEEN SAID ABOUT PROBABLY A MORE PRESSING CONCERN TO MOST WORKERS —YOUR JO

B. IS IT SAFE？ HOW LONG WILL IT BE BEFORE YOU CAN EXPECT TO SEE A RAISE OR BONUS AGAIN？【R1】______ UNFORTUNATELY, THE CREDIT CRISIS HAS ALREADY BEGUN AFFECTING JOB GROWT

H. THE UNEMPLOYMENT RATE HAS GROWN AN ENTIRE PERCENTAGE POINT—FROM 5. LTO 6. 1—BETWEEN MARCH AND AUGUST. FURTHERMORE, IT IS LIKELY TO GET WORSE BEFORE IT GETS BETTER. GOLDMAN SACHS GROUP ECONOMISTS WROTE IN A REPORT TO CLIENTS YESTERDAY THAT THEY EXPECTED UNEMPLOYMENT TO RISE TO SEVEN PERCENT IN LATE 2009. 【R2】______ AT THE OUTSET OF HOUSING MARKET"S TURMOIL, MOST EXPECTED JOBS IN THE BANKING, FINANCE, CONSTRUCTION AND REAL ESTATE SECTORS TO TAKE A DIRECT HIT, AS THE PROBLEMS STARTED IN THOSE AREAS. HOWEVER, NOW IT IS CLEAR THAT THE DAMAGE IS LIKELY TO SPREAD TO OTHER INDUSTRIES, INCLUDING ONES THAT WHO USE CREDIT TO BUY THEIR GOODS OR RELY ON NEW INVESTMENTS TO MOVE FORWAR

D. IN SHORT, MOST OF THE

M. AS FOR THE IT DEPARTMENT, DAVID FOOTE, CEO AT THE IT WORKFORCE RESEARCH CONSULTANCY, TOLD COMPUTERWORLD THIS WEEK THAT HE THINKS MORE COMPANIES WILL BE LOOKING MORE CLOSELY AT THAT PARTS OF IT SPENDING ARE CRITICAL, AND SOME IT WORKERS MAY BE SAFER THAN OTHERS. BUT, OVERALL, HE FINDS LITTLE REASON FOR TECHIES TO WORRY. 【R3】______ HISTORICALLY, MOST DOWNTURNS HAVE SPARED WHITE COLLAR AND HIGHLY-SKILLED WORKERS WHILE HITTING THE LEAST SKILLED THE HARDEST. YET OBSERVERS BELIEVE THAT THIS DOWNTURN IS LIKELY TO BE MORE DEMOCRATIC THAN ONES PREVIOUSLY, BECAUSE OF THE SEVERITY OF THE CREDIT CRUNC

H. "RESEARCH INDICATES THAT EMPLOYERS HIRE RELATIVELY MORE SKILLED WORKERS WHEN THEY INVEST IN NEW PLANT AND EQUIPMENT," ALAN

B. KRUEGER, AN ECONOMIST AT PRINCETON, TOLD THE NEW YORK TIMES THIS WEE

K. "IF FUNDS FOR INVESTMENT ARE NOT AVAILABLE BECAUSE OF THE FINANCIAL CRISIS, HOWEVER, COMPANIES WILL HIRE FEWER SKILLED WORKERS. " 【R4】______ IF YOU"VE JUST RETIRED OR WERE ABOUT TO, SADLY, YOUR TIMING COULD NOT BE WORSE AS BY BEGINNING TO WITHDRAW FROM YOU NEST EGG JUST AS THE MARKETS TUMBLE, YOU ARE ESSENTIALLY LOCKING IN YOUR LOSSES. BUT WHAT IF THE WHEELS OF YOUR RETIREMENT WERE ALREADY IN MOTION？ EXPERTS SAY, AS DEPRESSING AS IT SOUNDS, WORKING JUST A FEW YEARS LONGER CAN MAKE A BIG DIFFERENC

E. "IT DOES NOT HAVE TO BE ENTIRELY UNPLEASANT," WRITES NEW YORK TIMES COLUMNIST TARA SIEGEL BENARD, "MAYBE YOU COULD WORK PART TIME AND EARN ENOUGH TO COVER THE AMOUNT YOU WOULD HAVE DRAWN FROM YOUR RETIREMENT PORTFOLIO. AT LEAST YOU ARE NOT DIPPING INTO YOUR SAVINGS WHILE THEY ARE DOW

N. " 【R5】______ THE NEXT LOGICAL QUESTION IS, "WELL, HOW LONG WILL THIS LAST？" AND WHILE NOBODY AGREES ON AN EXACT DATE, FEW HAVE ANY CONFIDENCE THAT IT WILL BE OVER BY THE HOLIDAYS. MANY ARGUE THAT IT WILL BE AT LEAST 30 MONTHS LON

G. IT"S NOT JUST ECONOMISTS AND PUNDITS. ONE READER POLL IN A BUSINESS NEWSPAPER FOUND THE 54 PERCENT OF RESPONDENTS BELIEVED THAT THE RECESSION WOULD LAST THROUGH THE SECOND HALF OF 2009 AND POSSIBLY AS LONG AS 2011.

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第8题

【R3】A. DREAM OF FALLING DOWN. B. DREAM OF RUNNING HARD. C. DREAM OF BEING PUSHED AWAY.

【R3】

A. DREAM OF FALLING DOW

N.

B. DREAM OF RUNNING HAR

D.

C. DREAM OF BEING PUSHED AWAY.

D. DREAM OF FLYING INTO THE AIR. DREAMS PLAY AN IMPORTANT ROLE IN OUR LIVES. IF THEY CAN BE CORRECTLY EXPLAINED, WE CAN COME TO UNDERSTAND OURSELVES BETTER. HERE, WE LOOK AT FOUR COMMON DREAMS AND WHAT THEY POTENTIALLY SYMBOLIZ

E. 【R1】______ I CAN SEE THEIR LAUGHING FACES...LAUGHING AT M

E. BUT THEY AREN"T AS SMART. IF THEY WERE, THEY"D BE UP HERE FLYING WITH ME! THIS DREAM HAS BOTH POSITIVE AND NEGATIVE CONNOTATIONS(涵义). ON THE POSITIVE SIDE, THE DREAM MAY EXPRESS A STRONG DESIRE TO TRAVEL AND GET AWAY FROM EVERYDAY ROUTIN

E. IT CAN BE INTERPRETED AS A POWERFUL DESIRE TO ACHIEV

E. ON THE OTHER HAND, THIS DREAM CAN MEAN THE PERSON HAS A PROBLEM OR IS AFRAID OF SOMETHING AND THEY WISH TO ESCAP

E. THE DREAM COULD REPRESENT AN INFERIORITY COMPLEX(自卑情结), WHICH THE DREAMER ATTEMPTS TO ESCAPE FROM BY PUTTING THEMSELVES UP ABOVE OTHERS. 【R2】______ I"M MOVING FROM FAST NOW, BUT IT"S STILL BEHIND M

E. DOESN"T MATTER HOW FAST I GO, I STILL CAN"T ESCAP

E. ALTHOUGH THIS IS A TRADITIONAL SYMBOL OF HEALTH AND VITALITY(生命力)LIKE THE OTHER ONE, IT CAN ALSO SUGGEST THE DREAMER IS TRYING TO ESCAPE FROM DANGER. USUALLY, FEAR IS PROMINENT EMOTIO

N. BY RUNNING HARD, THE DREAMER CAN POSSIBLY ESCAPE THE THREAT. HOWEVER, THEY CAN ALSO STUMBLE(蹒跚)OR WORSE STILL STOP MOVING ALTOGETHER. THIS MAKES DREAM EVEN MORE TERRIFYING(恐怖的). ONE POSSIBLE INTERPRETATION SUGGESTS THAT THE DREAMERS ARE UNDER PRESSURE IN THEIR EVERYDAY LIF

E. 【R3】______ I"M SWEATING AND MY HEART IS BEATIN

G. I AM TRAPPED IN MY OWN BE

D. IN THIS DREAM, THE PERSON IS OFTEN STANDING ON A HIGH, EXPOSED PLACE SUCH AS ON THE TOP OF A TOWER, OR ON THE EDGE OF A CLIF

F. THE OVERWHELMING(强烈的)FEELING CHANGES FROM ANXIETY TO A LOSS OF CONTROL. THERE IS NOTHING TO STOP THE PERSON, AND THE FEELING AS THEY GO OVER THE EDGE CAN BE HORRIFYING REAL. FORTUNATELY, JUST BEFORE HITTING THE GROUND, THE DREAMER AWAKENS WITH A SENSE OF ENORMOUS RELIE

F. THIS DREAM SUGGESTS THAT THE DREAMER IS AFRAID OF LOSING CONTROL AND HAS A FEAR OF FAILURE OR EVEN DEAT

H. 【R4】______ THE WIND IS PUSHING ME AND I SLIP. THERE IS NOTHING I CAN DO, NOTHING I CAN HOLD ON TO. THIS SYMBOL IS ASSOCIATED WITH FEAR: SUDDENLY THE DREAMER LOSES ALL POWER OF MOVEMENT. THEY TRY HARD TO MOVE THEIR ARMS AND LEGS, BUT THEY SIMPLY CANNOT. FROZEN IN A TERRIFYING SITUATION WITH NO ESCAPE, THEY BECOME MORE AND MORE TERRIFIED AS THE SECONDS GO BY. ANOTHER FREQUENT CONTEXT FOR THIS DREAM IS FAILING TO DO SOMETHING IN PUBLIC, OFTEN SOMETHING WHICH YOU ARE NORMALLY VERY GOOD AT, SUCH AS YOUR JO

B. NOT ONLY IS THIS EXTREMELY EMBARRASSING, BUT IS ALSO SHOWS A DEEP-SEATED PHOBIA(恐惧)OF LOSING A JOB AND A LIVELIHOO

D.

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第9题

【R1】A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT. B. TRYING TO GET OUT OF THE LATE FEE SOMETI

【R1】

A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.

B. TRYING TO GET OUT OF THE LATE FEE SOMETIMES.

C. YOU"D BETTER PLAN TO PAY AHEA

D.

D. CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE

E.

E. YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM

E. IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU

M. 【R1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT

E. IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS. AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【R2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT

E. YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER. YOUR BIRTHDAY"S ON FE

B. 17？ MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT

H. 【R3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT. IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY. JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY. JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【R4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL. YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTOM

E. COM OR REMEMBERTHMIL

K. COM, 【R5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT. HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG

E. NO DICE？ ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY. YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT. "MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE

D. " SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOWLY.OR

G. "IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI

E. " NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW

N.

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第10题

【R4】A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT. B. TRYING TO GET OUT OF THE LATE FEE SOMETI

【R4】

A. YOU CAN SCHEDULE AN AUTOMATIC PAYMENT.

B. TRYING TO GET OUT OF THE LATE FEE SOMETIMES.

C. YOU"D BETTER PLAN TO PAY AHEA

D.

D. CHANGE YOUR PAYMENT DUE DATE IN ORDER TO AVOID LATE FE

E.

E. YOU COULD ALSO SET FOR YOURSELF A REMINDER TO PAY IN TIM

E. IF YOU"RE EVEN A MINUTE LATE WITH A PAYMENT, YOUR CREDIT CARD COMPANY CAN HIT YOU HARD IN THE WALLET—AS MUCH AS $39 EACH TIME, ACCORDING TO A JULY 2008 SURVEY. HOWEVER, SOME SIMPLE STEPS CAN HELP KEEP YOUR EXPOSURE TO THESE EXTRA COSTS TO A MINIMU

M. 【R1】______ A FEW CARD ISSUERS, INCLUDING CHASE AND HSBC, CHARGE EXTRA FEES FOR ONLINE PAYMENTS THAT YOU NEED TO POST THE SAME DAY, SO EVEN IF YOU PAY ELECTRONICALLY, DO IT THREE TO FOUR DAYS AHEAD SO YOUR CREDIT CARD COMPANY WILL PROCESS THE PAYMENT BY THE DUE DAT

E. IF YOU"RE SNAIL-MAILING CHECKS, ALLOW EVEN MORE TIME—ABOUT 10 DAYS—TO ALLOW FOR MAIL SNAFUS. AND UNLESS YOU"RE DESPERATE, FORGET ABOUT PHONE PAYMENTS—A NUMBER OF BANKS CHARGE A FEE FOR THEM, NO MATTER WHEN YOU CALL. 【R2】______ A FEW CARD ISSUERS ALLOW YOU TO CHOOSE A DUE DATE TO COINCIDE WITH YOUR PAYDAY SCHEDULE, SO A CASH SHORTFALL WON"T MAKE YOU LAT

E. YOU CAN EVEN CHOOSE A DUE DATE THAT"S EASIER TO REMEMBER. YOUR BIRTHDAY"S ON FE

B. 17？ MAKE YOUR CREDIT CARD PAYMENT DUE ON THE 17TH OF EACH MONT

H. 【R3】______ SOME BANKS OFFER AN AUTOPAY PROGRAM THAT LINKS YOUR CREDIT CARD TO A CHECKING OR SAVING ACCOUNT; YOU DECIDE WHETHER TO AUTOMATICALLY PAY THE NEW BALANCE, THE CURRENT MINIMUM PAYMENT OR A FIXED DOLLAR AMOUNT. IF YOU BANK ONLINE, YOU CAN ALSO ARRANGE A DO-IT-YOURSELF AUTOPAY. JUST ESTIMATE YOUR USUAL MONTHLY MINIMUM, SCHEDULE A MONTHLY PAYMENT DATE AND HAVE THE AMOUNT DEDUCTED FROM YOUR ACCOUNT AUTOMATICALLY. JUST MAKE SURE YOU HAVE ENOUGH IN CHECKING TO COVER IT OR THE OVERDRAFT FEES WILL EAT UP YOUR SAVING ON LATE FEES. 【R4】______ SOME CREDIT CARD COMPANIES, INCLUDING CHASE, WILL ALERT YOU OF UPCOMING DUE DATES BY E-MAIL OR VOICE MAIL. YOU CAN ALSO SCHEDULE A MONTHLY E-MAIL REMINDER THROUGH A WEB SITE, SUCH AS MEMOTOM

E. COM OR REMEMBERTHMIL

K. COM, 【R5】______ EVEN CONSCIENTIOUS CONSUMERS WILL PROBABLY GET HIT WITH A LATE FEE AT SOME POINT. HOWEVER, IF YOU HAVE A GOOD RECORD OF ON-TIME PAYMENTS, CALL AND POLITELY ASK A CUSTOMER SERVICE REPRESENTATIVE TO WAIVE THE CHARG

E. NO DICE？ ASK TO TALK TO A SUPERVISOR, OR TRY AGAIN ON A DIFFERENT DAY. YOU MIGHT EVEN THREATEN TO CLOSE YOUR ACCOUNTS WITH THE COMPANY—A TACTIC THAT WORKED FOR JEFF ROTH OF MOLALLA, ORE, AFTER HIS WIFE"S CHASE CREDIT CARD WAS HIT WITH A $ 39 LATE FEE WHEN THE FOURTH OF JULY DELAYED PROCESSING OF A PAYMENT. "MY ADVICE TO THOSE WHO FEEL THEY HAVE UNJUSTLY BEEN ASSESSED LATE FEES IS TO BE ASSERTIVE ABOUT GETTING THE CHARGES REMOVE

D. " SAYS ROTH, WHO POSTED ABOUT HIS PLIGHT AT GETRICHSLOWLY.OR

G. "IT WON"T ALWAYS WORK, BUT MOST CREDIT CARD COMPANIES WILL LEAST GIVE YOU ONE FREEBI

E. " NEXT TIME, THOUGH, YOU MAY BE ON YOUR OW

N.

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