How to Start Your Own BusinessI have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you.1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? T
题目
How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer. 2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics. 3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive. 4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future. ___1___内应为（）
- A、Plan wisely and do not assume the best about your business.
- B、Why do you want to start your own business?
- C、The tragic reality is that when business fail, the passion often dies with it.
- D、Keep that passion at the forefront of your business plan, your marketing strategies, and your daily routine.
- E、If you have ever purchased a new home, you know that the financial obligations extend beyond the down payment and the mortage.
- F、If you are starting an Internet company, research the requirements for your own unique Web presence.
相似考题
参考答案和解析
正确答案:B
更多“How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own bos”相关问题
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第1题：
When I opened the first "Body Shop" in 1976, what I wanted to do was to earn （挣） enough money to feed my children. Today the "Body Shop" is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what you really believe in.
It's not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my family and to feel excited by something unusual. I have always wanted the people who work for the "Body Shop" to feel the same way.
Now this book sends these ideas out into the world, and makes them public. I'd like to think there are no limits （界限） to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.
What would someone learn from this text?A. How to make a lot of money.
B. How to write a book about business.
C. What the book is about.
D. What the writer's family is like.答案：B解析： -
第2题：
共用题干
Interview with Allan Gray
1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.
2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.
3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.
4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff.If you made a bad decision as a boss,you had______.
A: to lose your house
B: to manage your employees
C: to keep independent
D: to lend you money
E: to take the responsibility for it
F: to make profit答案：E解析：本段主要讲述作者答应哥哥合伙创建语言学校并为自己工作的种种原因。因此F 项是本段大意。
本段主要讲述的是自己开业遇到的种种困难，跟预想的大相径庭，犯了许多错误，差点破产，并且只招到两个学生。因此E项是本段大意。
本段主要讲成功之前花费的时间，前四年一直亏损，甚至差点破产。故本题选C。
本段主要讲在经营学校的过程中遇到的挑战。故本题选D。
根据第一段的“I was also happy to carry the can and take the blame if things went wrong.”可知，如果你做出错误决定，你就必须为其承担责任。故选E。
根据第二段“These days it can be really hard to persuade banks to lend money to people who want to start a company...”可知，困难是劝银行把钱借出来。
从第三段可知，作者招到了很好的员工为其工作，并因此获得盈利。故本题选F。
第四段讲述了三个挑战：资金约束、经营、管理员工。故本题选B。 -
第3题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.If you draw your money before it is due,
A:you have to pay interest to the bank.
B:you have to close your account.
C:you have to open a new account.
D:you have to pay a penalty or fee.答案：D解析： -
第4题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.A bank statement tells you
A:the amount of money you have in the bank.
B:the current rates of interest.
C:the current rates of exchange.
D:the best way to save your money.答案：A解析： -
第5题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.Your money will earn more money if you put it
A:in your room.
B:in a piggy bank.
C:in your pocket.
D:in a savings account.答案：D解析： -
第6题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.The word"touch" in paragraph 7 could be best replaced by
A:"deposit".
B:"lend".
C:"use".
D:"cash".答案：C解析： -
第7题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.A bank pays you interest for
A:wasting your money.
B:losing your money.
C:using your money.
D:decreasing your money.答案：C解析： -
第8题：
Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system. Although money is part of their life, some people don’t attach more importance to it.（ ）
- A、True
- B、False
- C、Not Given
正确答案:A -
第9题：
问答题Practice 1 Keep in mind this important point in reference to your vocabulary improvement program. If you can personalize your new words, if you can make them bear some relationship to yourself and your way of living, you then materially increase your chances of making these words a permanent part of your vocabulary. You cannot learn words in a vacuum. That is, if a word cannot be made to have a bearing on your life, if it cannot be brought within the circle of your own thoughts, if it cannot be made a part of your own personality or of your attitudes, then that word will remain useless to you.正确答案：
【参考译文】
在你的扩充词汇计划中,请牢记这一要点。如果你将新学的单词个性化,使它们与你自己或你的生活方式产生关联,你就更有可能将这些词转化成你词库中固定的一部分。
你不可能在真空中学习单词。也就是说,如果一个词难以与你的生活相联系,或者它难以进入你的思维圈,或者难以变为你个性或态度的一部分,那么这个词对你毫无用处。解析： 暂无解析 -
第10题：
问答题Debt Financing The most common source of debt financing for start-ups often isn’t a commercial lending institution, but family and friends. It makes sense. People with whom you have close relationships know you are reliable and competent, so there should be no problem in asking for a loan, right? Keep in mind, however, that asking for financial help isn’t the same as borrowing the car. While borrowing money from family and friends may seem an easy alternative to dealing with bankers, it can actually be a much more delicate situation and it’s important to be as disciplined as you would be in dealing with a professional investor. Here are some basic rules: Treat them as if they were strangers. Forget for the moment that your investor is a friend or family member. Make it an arm’s length transaction, and insist on the same sort of legal documentation you would prepare if your investor was a total stranger. Why? Because too many entrepreneurs borrow money from family and friends on an informal basis. The terms of the loan have been verbalized but not written down in a contract. Lending money can be tricky for people who can’t view the transaction at arm’s length; if they don’t feel you are running your business correctly, they might step in and interfere with your operations. In some cases, you can’t prevent this, even with a written contract, because many state laws guarantee voting fights to an individual who has invested money in a business. This can, and has, created a lot of hard feelings. Make sure to check with your attorney before accepting any loans from friends or family. So if it’s a loan, have your lawyer prepare an I.O.U. (called a promissory note) for the friend or family member, and don’t offer less than a commercial interest rate. Debt may actually be better than equity. If someone lends you money, you only have to pay it back, with interest. They can’t tell you how to run your company. If someone buys stock in your business, they are legally your business partner. When in doubt, make it a loan, and pay it back as soon as you can. Tie all payments to your cash flow. Try to avoid obligations with fixed repayment schedules. Consider instead cash flow obligations, in which your investor will receive a percentage of your operating cash flow (if any) until they either have been repaid in full with interest, or have achieved a specified percentage return on their investment. Consider nonvoting stock. If your friend or family member insists on buying stock in your company, try to make it nonvoting stock, so they don’t have the right to second-guess your every management decision.正确答案： 【参考译文】
负债融资 最普遍的负债融资来源通常不是某个商业贷款机构,而是家人或者朋友,这合情合理。与你有亲密关系的人知道你既可靠又能干,因此借钱给你没有问题,对吧?然而,记住,请求资金援助与借车可不一样。尽管从家人或朋友那儿借钱与跟银行家打交道相比起来是一个更容易的选择,但这很可能会是一个更微妙的情况,你要像跟一个专业投资人员打交道时一样严格遵守规则,这是很重要的。以下是一些基本的规则:
把他们当作陌生人对待。现在,忘记你的投资者是一个朋友或是一个家庭成员,把它当作一个“一臂之长”的交易,坚持准备一份合法的文件,就像你会给一个完全陌生的投资者准备的一样。为什么?因为太多的企业家没有依照正规的程序向家人和朋友借钱,贷款之事仅仅是口头上达成一致,而并没有形成书面合同。
对于那些不能把借钱看作是一臂之长的交易的人,事情就比较难办,他们会认为你不是以正确的方式经营,从而将涉足你的经营管理工作。有时候即便是有了书面合同你也不能阻止他们这么做,因为许多州的法律保障那些进行商业投资的个人的表决权,这确实会,也已经给人带来了痛苦。在你接受家人或朋友的贷款时,确保与你的代理人核实相关事宜。因此,如果你确定了这笔贷款,让你的律师给你的朋友或家人准备一张借据(叫做“本票”),你所提供的利息率不能低于商业利息率。
负债很可能比权益好。如果有人借给你钱,你只要还本付息;他们不能对你的经营管理指手画脚。如果有人购买了你公司的股票,他们就是你公司的合法股东。在你犹豫不定的时候,就实行负债,并且尽快还款。
将所有的偿付与现金流挂钩。尽量避免有固定的偿还时间的义务,考虑“现金流”义务,就是你的投资人可以从你的经营现金流(如果有的话)中收到一定比例的资金,直到所有的本息都付清,或是得到相对于投资的某个特定比例的收益。
考虑无表决权股票。如果你的朋友或家人坚持要买你公司的股票,尽量让他们买没有表决权的股票,那么他们就无权对你的每个管理决策产生猜疑。解析： 暂无解析 -
第11题：
单选题Customer: I think I’ll have the tomato soup to start._____ Waiter: Right. And would you like croutons in your soup? Customer: No, thank you. Waiter: How would you like your steak? Rare, medium or well done?AAnd I’d like some tea
BAnd I’d also like a steak.
CAnd perhaps some orange juice.
DAnd I’d like to order now.
正确答案： D解析： 由waiter的问句“How would you like your steak?”可知顾客点了牛排，即选项B正确。 -
第12题：
单选题—What business do you have?—I want to （）your captain.Asee
Bsaw
Cseen
Dseeing
正确答案： D解析： 暂无解析 -
第13题：
When I opened the first "Body Shop" in 1976, what I wanted to do was to earn （挣） enough money to feed my children. Today the "Body Shop" is a great company growing fast all around the world. In the years since we began, I have learned a lot. Much of what I have learned will be found in this book, because I believe that we, as a company, have something worth saying about how to run a successful business without giving up what you really believe in.
It's not an ordinary business book. It is not just about my life, either. The message is that to succeed in business you have to be different. Business can be fun, and can be run with love and do good. In business, as in life, I need to enjoy myself, to have a feeling of my family and to feel excited by something unusual. I have always wanted the people who work for the "Body Shop" to feel the same way.
Now this book sends these ideas out into the world, and makes them public. I'd like to think there are no limits （界限） to our "family", and no limits to what can be done. I find that an exciting thought. I hope you do, too.
How does the writer feel about the business she runs?A. It's the biggest company in the world.
B. It will possibly be more successful.
C. It's one of the most successful businesses.
D. It is the only company that is growing all around the world.答案：C解析： -
第14题：
共用题干
Interview with Allan Gray
1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.
2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.
3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.
4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff.The difficult thing to start a business is to persuade banks______.
A: to lose your house
B: to manage your employees
C: to keep independent
D: to lend you money
E: to take the responsibility for it
F: to make profit答案：D解析：本段主要讲述作者答应哥哥合伙创建语言学校并为自己工作的种种原因。因此F 项是本段大意。
本段主要讲述的是自己开业遇到的种种困难，跟预想的大相径庭，犯了许多错误，差点破产，并且只招到两个学生。因此E项是本段大意。
本段主要讲成功之前花费的时间，前四年一直亏损，甚至差点破产。故本题选C。
本段主要讲在经营学校的过程中遇到的挑战。故本题选D。
根据第一段的“I was also happy to carry the can and take the blame if things went wrong.”可知，如果你做出错误决定，你就必须为其承担责任。故选E。
根据第二段“These days it can be really hard to persuade banks to lend money to people who want to start a company...”可知，困难是劝银行把钱借出来。
从第三段可知，作者招到了很好的员工为其工作，并因此获得盈利。故本题选F。
第四段讲述了三个挑战：资金约束、经营、管理员工。故本题选B。 -
第15题：
共用题干
Interview with Allan Gray
1. I was working for a multinational company in the early 1980s,and my brother asked me if I was interested in going into partnership with him to set up a language school.I'd always wanted to work for myself,and I was a bit fed up with working for someone else,so I said yes.Primarily, I wanted the freedom to make my own decisions,I wanted room to be creative,and also I wanted to be able to get the credit and keep the profits if we were successful.I was also happy to carry the can and take the blame if things went wrong.These things are not possible if you work as an employee in a large organization.
2. I had to borrow money to help start the business,but we were lucky because we also had some outside capital to put into the business.These days it can be really hard to persuade banks to lend money to people who want to start a company,so we were fortunate .It was fairly easy to set up the business,because we had a very clear idea of what we wanted to do.The problem was,all our preconceptions（预想）about what it would be like to run a business were wrong. We made lots of mistakes, and we almost went bankrupt（破产的）at the beginning. At one point, we only had two students in the school.
3. Far too long!We lost money for the first four years and,as I was saying,we nearly went out of business.It took quite a long time to start making profit. The best thing we did,though,was that we hired some really good people to work for us.In fact,some of those people are still work-ing for us,24 years later. Now we're doing well,but it was very risky at first.
4. One is financial constraint（约束）.It can be very tough. I think all small businesses have cashflow problems-it often takes a long time to get paid by your customers.The second big prob- lem is marketing. It takes a lot of funds to market your business,and you have to get your name known and build a reputation .But the biggest challenge is managing the people.All businesses are about people,and you have to learn how to deal with all kinds of people-and I think we've been extremely good at getting the best of our staff.Besides financial and marketing challenges,you must know how______.
A: to lose your house
B: to manage your employees
C: to keep independent
D: to lend you money
E: to take the responsibility for it
F: to make profit答案：B解析：本段主要讲述作者答应哥哥合伙创建语言学校并为自己工作的种种原因。因此F 项是本段大意。
本段主要讲述的是自己开业遇到的种种困难，跟预想的大相径庭，犯了许多错误，差点破产，并且只招到两个学生。因此E项是本段大意。
本段主要讲成功之前花费的时间，前四年一直亏损，甚至差点破产。故本题选C。
本段主要讲在经营学校的过程中遇到的挑战。故本题选D。
根据第一段的“I was also happy to carry the can and take the blame if things went wrong.”可知，如果你做出错误决定，你就必须为其承担责任。故选E。
根据第二段“These days it can be really hard to persuade banks to lend money to people who want to start a company...”可知，困难是劝银行把钱借出来。
从第三段可知，作者招到了很好的员工为其工作，并因此获得盈利。故本题选F。
第四段讲述了三个挑战：资金约束、经营、管理员工。故本题选B。 -
第16题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for.If you are
saving to buy a dictionary or to go to a concert,then probably keep your money somewhere
in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money.If you put your money in a piggy bank（猪形储蓄
罐）,one year later you'll still have the same amount of money you put in.If you put
your money in a savings account,one year later,you'll have more money than you put
in.Why?
When you keep your money in a bank,your money earns interest.Interest is the
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year.A bank statement tells you
how much money there is in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.
Since the bank is using your money for that time period,it will pay you interest.You
will earn more interest with a CD than in a savings account.Can you guess why?It's
because you promise to leave your money in the bank for a certain period of time.Banks
pay different rates of interest.So,you may want to compare rates in newspaper ads before
buying a CD.Which way will help your money earn more money?
A:Putting your money in your room.
B:Putting your money in a piggy bank.
C:Putting your money in your pocket.
D:Putting your money in a savings account.答案：D解析： -
第17题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.Among other things,a bank statement tells you
A:the amount of money you have in the bank.
B:the current rates of interest.
C:the current rates of exchange.
D:the best way to save your money.答案：A解析： -
第18题：
共用题干
第二篇
Saving Money
Where you save your money often depends on what you are saving for. If you are
saving to buy a CD（光盘）or to go to a concert, then probably you would keep your
money somewhere in your room.
If you are saving for a big purchase like a mountain bike or a school trip,where would
you save your money?
One place to save money is the bank.Putting your money in a savings account will
help your money earn more money. If you put your money in a piggy bank（猪形储蓄罐）,
one year later you'll still have the same amount of money you put in.If you put your money
in a savings account,one year later,you'll have more money than you put in.Why?
When you keep your money in a bank,your money earns interest.Interest is an
amount of money a bank pays you to use your money.The bank uses your money(and
the money of other people,too)to loan money to people and businesses.
The bank will send you a statement several times a year. A bank statement tells you
how much money you have in your account.It also tells you how much interest you have
earned.If you leave your money in the bank,you can watch it grow!
Another way you can save money is to buy a certificate of deposit or CD.If you have
some money that you don't need to use for a long time,this is a good way to make your
money grow.
You can buy a CD at a bank.You agree not to use the money for a certain period of
time.That period might be from six months to five years.You can't touch your money
during that time.If you do,you must pay a penalty,or fee.If you draw your money before it is due,you will have to
A:pay interest to the bank.
B:close your account.
C:open a new account.
D:pay a penalty or fee.答案：D解析： -
第19题：
Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system. According to the author, money is the most important in HWR.（ ）
- A、True
- B、False
- C、Not Given
正确答案:B -
第20题：
单选题Personal Finance When it comes to our finances, each of us has our own individual approach. Some of us are savers, some are spenders, and others are some-where in between. This continuum is a paradigm that our popular culture uses to frame differences in the way people approach money. I believe that the way we approach our finances goes beyond that particular behavioral characteristic. In reality, I think our approach to finances can be viewed in more of a multi-dimensional setting, where money has a different role in our lives. For some, money means survival, plain and simple. For others, money is something that is a part of their lives but rarely on their mind, regardless of the role it actually plays. For yet others, money is an obsession, as accumulation indicates achievement. Some people view money as a defensive resource to protect against future setbacks. Some people want money to provide a good home, to contribute to the ability to have certain hobbies, or to provide something to future generations and so on. Sometimes the same person may view money differently in different situations. The bottom line is that we each have our own relationship with money, and our own conscious and subconscious needs for money, rooted in our value systems. This is an area of personal finance that has interested me for a while. Why do people behave the way they do with respect to their money? What's driving this behavior? Of course, a starting point for anybody is to consider how you personally view things. Taking an introspective approach，I have spent time figuring out my own take on money，and the role it plays in my life. What I have determined is that for me，it fits into a framework that includes the following elements：health, wealth, and relationships. These are linked together as a part of a system. They're all connected, and to the extent one is strengthened, the others will be strengthened as well. If one is weakened, the others will be weakened as well. So to me, money is a part of the wealth aspect of HWR. Beyond basic survival, money gives you the opportunity to live a healthier life, with the time and means to have more positive relationships. One thing I want to make clear is that I am not saying that money buys friends. Well, it could, but those aren't true friends. What I am saying is that the more money you have ,on balance, the less stressed you are about it, and the more time you have to do other things, such as cultivate true, genuine relationships that aren’t based on money. Money is but a component in the system. Some people use money to cultivate their hobbies.（）ATrue
BFalse
CNot Given
正确答案： A解析： 题干句意：有些人用金钱来培养自己的兴趣爱好。第二段第七句Some people want money to…to contribute to the ability to have certain hobbies…其中包括了题干内容，答案为A。 -
第21题：
单选题How to Start Your Own Business I have recently started a business and have learned some crucial lessons in the process that I feel privileged to share with you. 1. Identify your motivation. __1__ To have more time? To make more money? To be your own boss? To have creative control over what you love to do? Write out all of your motivating factors and prioritize them. When you see them listed, you might see a pattern in that you're just unhappy at your current job and starting your own business isn't the answer. 2. Identify your passion. What do you love to do? What skills and knowledge do you uniquely bring to the table? What gets you excited about your work? __2__ If you keep your passion in plain sight, you will stay focused on the purpose of your business and not solely on the logistics. 3. Identify your market. If you are starting your business locally, research your competitors. Determine if there is room in the market for your business. What will you do differently to draw in customers? What niche market are the other businesses missing? __3__ Your business cannot survive without customers, so do enough research on the front end to determine if there are enough potential clients to keep your business alive. 4. Identify your finances. __4__ You have to buy furniture, trash cans, a garage door opener, light fixtures and landscaping equipment, and before you know it, you've far exceeded your financial boundaries. That can happen just as easily in a business. Do exhaustive financial planning. Meet with a financial advisor or someone at your bank to examine the financial viability of your business and the process of getting it up and running. __5__ Be prepared for financial loss and get advice on how to alleviate that burden in the future. ___2___内应为（）APlan wisely and do not assume the best about your business.
BWhy do you want to start your own business?
CThe tragic reality is that when business fail, the passion often dies with it.
DKeep that passion at the forefront of your business plan, your marketing strategies, and your daily routine.
EIf you have ever purchased a new home, you know that the financial obligations extend beyond the down payment and the mortage.
FIf you are starting an Internet company, research the requirements for your own unique Web presence.
正确答案： C解析： 本段的关键词是“passion”，即热情。选项D告诉了我们，无论是在制定商业计划和营销策略时，还是从事常规工作时，都要保持这份热情。答案为D。 -
第22题：
问答题Practice 1 Suppose you have made an appointment with your friend at 5 p.m., but you have some urgent business to attend to and have to cancel your appointment. Write a note to your friend. (1) explaining why you have to cancel your appointment (2) making an apology for that (3) telling him how you plan to make up for it You should write approximately 100 words. Do not sign your own name at the end of your note. Use “Wang Lin” instead.正确答案： 【范文】
Dear Sally,
I’m sorry to tell you I have to cancel the appointment with you. My friend just told me she was coming to see me tomorrow. She will arrive at 4:45 p.m. tomorrow, So I have to go to the station to pick her up. I really feel sorry about it. Can we make it another day? I will be free on Saturday, maybe we can meet on Saturday at 10:00 a.m.. If it is also good for you please let me know.
Sorry again for canceling the appointment. Hope everything goes on well with you.
Yours sincerely,
Wang Lin解析： 暂无解析 -
第23题：
单选题I _____ to be present at your birthday party, but business interfered. I hope you will forgive me.Aam to have intended
Bwas to intend
Cwas to have intended
Dought to intend
正确答案： C解析：
句意：我本来打算参加你的生日派对的，但是突然有生意要做，所以我希望你能原谅我。因为是本来打算做而没有做的事情，所以用was表示过去，was to do something表示过去将要做什么事情，用have intended这个完成时态是因为这个打算对现在的结果产生影响，即虽然临时有事没去，但是最开始是打算去的，所以希望对方能理解。 -
第24题：
单选题What business do you have? —I want to see your （）(船长).Abosun
Bchief officer
Ccaptain
Dpilot
正确答案： A解析： 暂无解析