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Money habits matter a lot in a relationship, even if you’re not married or living together, concludes Melissa A Curran, an associate professor at the University of Arizona, in a new study published in the Journal of Family and Economic Issues. That’s why she recommends being picky when it comes to dating. “Young adults should choose their romantic partner wisely,” Curran tells CNBC Make It. She and her colleagues assessed over 500 young twenty-somethings in committed relationships and had them rate their health and overall life satisfaction. She asked them questions related to their partners’ financial responsibility, such as, Do they spend within a budget? And, Do they usually pay off their credit cards in full? The researchers found that the more responsible the participants perceived their partners to be with money, the higher their own sense of well-being and the happier they were with their relationships. The opposite was also true. Participants who thought their partners were bad with money had a lower sense of well-being and felt less committed to the relationship. “This finding makes sense developmentally as the young adults are transitioning to adulthood,” says Curran. “It would make sense for them to draw upon romantic partners in terms of financial socialization agents.” By socialization agents, she means people who can teach and influence the participants on matters related to money. The idea is that the financial habits of whoever you’re dating can rub off on you. If your partner is bad with money, you might become bad with money too, which in turn affects your life overall, since the researchers also confirmed that your own financial habits definitely affect your well-being. For many young adults, parents are the most influential socialization agents. So, in this study, Curran also asked the participants about what their parents expected of them when it came to their finances. Did their parents, for example, expect them to track their spending? The researchers found that high expectations from an involved parent led the participants to perform better on a financial literacy test. But, unlike romantic partners, they did not seem to influence well-being. If you’re bothered by your significant other’s over-spending or general irresponsibility with money, Curran and her colleagues recommends talking things through. “Having discussions about finances and making financial decisions together helps couples become closer and more satisfied with their relationships.”
1. Which best serves as the title for the passage?

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_______ is your favourite subject at school?

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If parents bring up a child with the sole aim of turning the child into a genius, they will cause a disaster. According to several leading educational psychologists, this is one of the biggest mistakes which ambitious parents make. Generally, the child will be only too aware of what his parents expect, and will fail. Unrealistic parental expectations can cause great damage to children.
However, if parents are not too unrealistic about what they expect their children to do, but are ambitious in a sensible way, the child may succeed in doing very well — especially if the parents are very supportive of their child. Michael Collins is very lucky. He is crazy about music, and his parents help him a lot by taking him to concerts and arranging private piano and violin lessons for him. They even drive him 50 kilometers twice a week for violin lessons. Michael's mother knows very little about music, but his father plays the trumpet in a large orchestra. However, he never makes Michael enter music competitions if he is unwilling.
Winston Smith, Michael's friend, however, is not so lucky. Both his parents are successful musicians, and they set too high a standard for Winston. They want their son to be as successful as they are and so they enter him for every piano competition held. They are very unhappy when he does not win. Winston is always afraid that he will disappoint his parents and now he always seems quiet and unhappy.

Who have criticized the methods of some ambitious parents?

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If you were going to choose a job that involves travel, what would be your first choice? There are many jobs available today that give people opportunities to travel. Although may traveling careers sound fantastic, they also have disadvantages. Being an au pair is an excellent way to not only go to different countries, but to live in different places around the world and really get a feel for the culture. Au pairs lives with the families they are placed with and take of children. Many parents include au pairs in family events and vacations, so they experience many aspects of the new culture while on the job. However, many of the activities are centered around the children, so they may not get to experience many things that interest adults. For people who want a bit more freedom working abroad, being an English teacher maybe a good choice. There are English teaching jobs in almost countries in the world. People teaching English in other countries often have a chance to travel on the weekends around the country. One drawback is that many teachers often wind up hanging out with other English teachers, and they don’t have time to learn the country’s language. The nickname “roadie” implies that this job involves life on the road. Roadies are people who work and travel with bands and provide technical support. Roadies can be lighting and stage crew who set up the stage and break it down before and after events. They can also be technicians helping band members with their instruments. International tours take a band’s crew to cities around the world, often requiring air travel. However, the crew doesn’t get much time off, so they may travel to several countries without seeing much besides concert venues and hotels. Similarly, flight attendants often travel to cities around the world, but they don’t see much besides the inside of airplanes and hotels. However, when they do have time off, they can often fly at no cost, and family member can sometimes fly free as well. Its is widely thought that a flight attendant job is glamorous, but flight attendants must deal with travel hassles, as well as security issues. All jobs gave advantages and disadvantages whether or not you travel for work, so if you have the travel bug, keep these jobs in mind for the future.
1. Which of the following is a disadvantage of the job as an au pair?
 

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(Line 1) Horace Pippin, as an African-American soldier during World War I, was wounded in his right arm. He discovered, however, that by keeping his right wrist steady with his left hand, he could paint and draw. Pippin was not trained, but his artistic sensitivity and intuitive feel for two- dimensional design and the arrangement of colour and patterns made him one of the finest Primitive artists America has produced.
(Line 6) Pippin did a series of paintings on the abolitionist John Brown and one on his war experiences, but he shied away from social issues for the most part and achieved his greatest success with scenes of the people and places of his hometown of West Chester, Pennsylvania. His Domino Players, featuring four women gathered around a wooden table in a simple kitchen setting, is an excellent example of his rural domestic scenes.

The word “arrangement” in the passage could best be replaced by     .

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Esperanto is what is called a planned, or artifiial, language. It was created more than a century ago by Polish eye doctor Ludwik Lazar Zamenhof. Zamenhof believed that a common language would help to alleviate some of the misunderstandings among cultures. In Zamenhof's fist attempt at a universal language, he tried to create a language that was as uncomplicated as possible. This fist language included words such as ab, ac, ba, eb, be, and ce.This did not result in a workable language in that these monosyllabic words, though short, were not easy to understand or to retain. Next, Zamenhof tried a different way of constructing a simplified language. He made the words in his language sound like words that people already knew, but he simplifid the grammar tremendously. One example of how he simplifid the language can be seen in the suffies: all nouns in this language end in o, as in the noun amiko, which means "friend", and all adjectives end in -a, as in the adjective bela, which means "pretty". Another example of the simplifid language can be seen in the prefi mal-, which makes a word opposite in meaning;theword malamiko therefore means "enemy", and the word "malbela" therefore means "ugly" in Zamenhof's language. In 1887, Zamenhof wrote a description of this language and published it. He used a pen name, Dr. Esperanto, when signing the book. He selected the name Esperanto because this word means "a person who hopes" in his language. Esperanto clubs began popping up throughout Europe, and by 1950, Esperanto had spread from Europe to America and Asia. In 1905, the First World Congress of Esperanto took place in France, with approximately 700 attendees from 20 different countries. Congresses were held annually for nine years, and 4,000 attendees were registered for the Tenth World Esperanto Congress scheduled for 1914, when World War I erupted and forced its cancellation. Esperanto has had its ups and downs in the period since World War I. Today, years after it was introduced, it is estimated that perhaps a quarter of a million people are flent in it. This may seem like a large number, but it is really quite small when compared with the billion English speakers and billion Mandarin Chinese speakers in in today's world. Current advocates would like to see its use grow considerably and are taking  steps to try to make this happen.
1. The topic of this passage is.....

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If our team defeat Banana team, we ________ the trophy.

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In the early twentieth century, an American woman named Emily Post wrote a book on etiquette. This book explained the proper behavior Americans should follow in many different social (1)______, from birthday parties to funerals. But in modern society, it is not simply to know the proper rules for behavior in your own country. It is necessary for people (2)______ work or travel abroad to understand the rules of etiquette in other cultures as well. Cultural (3)______ can be found in such simple processes as giving or receiving a gift. In Western cultures, a gift can be given to the receiver with relatively little ceremony. When a gift is offered, the receiver usually takes the gift and expresses his or her thanks. (4)______, in some Asian countries, the act of gift–giving may appear confusing to Westerners. In Chinese culture, both the giver and receiver understand that the receiver will typically refuse to take the gift several times before he or she finally accepts it. In addition, to (5)______ respect for the receiver, it is common in several Asian cultures to use both hands when offering a gift to another person.

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Vietnamese women are very proud _________ the ao dai.

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In the 1960s, it took pop and rock groups one or two days to record other their songs. Nowadays, it can take months and months. Many rock groups begin by recording only one instrument, for example, the voice. Then they record (1)________ instruments – electric piano, synthesizer, guitars, drums and so on. Next, they might use a computer to add special effects. Finally, they ‘mix’ all the instruments until they get the sound that they want. This means that a CD or cassette will always sound very different from a (2) ______ concert. Music engineers have developed a new computer programme that will change the future of music. A computer can analyze a singer’s voice. Then if you give the computer the (3)_________ and music of a song, the computer can ‘sing’ it in that voice. This means that a singer only needs to record one song and the computer can then sing other songs in the singer’s own voice. Singers can sing new songs many years after they have died. Most of us listen to music for pleasure, but for the record companies, music is a product, the same as soap powder. (4)___________ a record company finds a new group (or ‘band’), they first try to develop the band’s ‘profile’. They will try to create an ‘image’ for the band that they think will attract young people. Instead of allowing the band’s full artistic freedom, they will often (5)_______ the band what they should wear, what they should say and how they should sing and play. In recent year, many rock groups have started their own record companies because they say that the big companies are too commercial

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It is many peoples dream to become a world-famous artist. Unfortunately, it can be extremely difficult to make a living solely from selling your paintings or sculptures. But don’t worry because there are other jobs in the world of art that you can pursue. One possible career option is to become an art dealer.
An art dealer works on behalf of artists to help them sell works to museums and galleries around the world. To be successful at this profession, it requires a well-rounded skill set. For starters, it helps a lot if you love art and are knowledgeable about art history. Having business skills will also be quite useful, as it will be necessary to negotiate with buyers, and help the artists you represent market their work. If becoming an art dealer sounds appealing, there are several steps which you can follow. Although you  may have a love for a wide range of styles, you should start by choosing one category to focus on. Buyers usually prefer to deal with a specialist in a particular area than someone who is a jack of all trades. When selecting your focus, choose an area that you are passionate about instead of something that seems lucrative. Art trends come and go, so there is no use trying to predict what is hot. These trends will certainly change over the course of your career.
Once you selected an area to focus on, start to contact some museums, galleries, and other companies in the art world and send them your resume. The majority of art dealers begin their careers working as interns for these kinds of companies. Although these interns may be paid little, or in some cases nothing at all, the experience of learning how art businesses work will certainly serve you down the road.
It pays to be flexible in the beginning, as the most important thing is to get your foot in the door. Museums and galleries may offer you several positions including a sales assistant or a junior art consultant. Whichever job you accept, be sure to learn it well and give it your best. In addition to your responsibilities, make sure your start to network with others in your industry. As your knowledge and contacts begin to grow, more opportunities will be open to you.

What does the passage suggest someone should have if they want to become an art dealer?

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Myriad occupational schools in the central coastal city of Da Nang have received just a small number of applications over the past few years. “Last year we only had 142 new students, but the number of new enrollees is 50 this school year,” Truong Van Hung, rector of the Duc Tri Da Nang Vocational College, said, adding the school has set a target of recruiting 1,200 students for the 2014-2015 academic year. “Closing the school is just a matter of time,” he said. Similarly, the Viet A Vocational School in Hai Chau District in Da Nang has not recruited any new enrollee for over one year given the absence of job opportunities for its graduates. “We do not want to enroll because we cannot help students land jobs after they graduate,” a leader of Viet A said. “We will only admit new students when we can have a partnership with companies who can employ our students after they finish their studies.” Elsewhere, vocational schools in the southern province of Dong Nai are ‘frozen’. The Dong Nai Information Technology-Telecommunications Vocational School in the academic year of 2013-2014 enrolled only 82 students compared with a target of 1,000; the Nhon Trach Industrial Engineering Vocational School only had 200 out of its goal of 600 students for the school year; the 26-3 Vocational School received 150 students while they set a target of 250; and the South-Eastern Electromechanical Vocational School only recruited 300 out of the 500 students they planned to admit. The situation means that equipment for training programs at those schools has been left unused and covered with rust. Local experts have commented that if the lack of students persists, vocational schools are at high risk of being closed, sooner or later. 
5. The word “persists” in paragraph 4 is closest in meaning to ______

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Minister of Industry and Trade Tran Tuan Anh said over the past 50 years of co- operation and development, besides security, political, cultural and social cooperation, ASEAN has been focusing on economic co-operation through the establishment of the ASEAN Economic Community.  ASEAN member states have carried out such activities as one-stop-shop custom procedure, mutual recognition arrangements (MRAs) on electricity, rubber, processed food, pharmaceuticals, etc. Statistics by the Ministry of Industry and Trade reveals when Vietnam joined AFTA in 1996, the country’s two-way trade turnover with other countries in the bloc was only some 5.9 billion USD. In 2018, this number increased by more than 9.5 times and reached about 56.3 billion USD. In the first six months of 2019, Vietnam’s exports to ASEAN reached 13.067 billion USD, up 6.7 percent year-on-year.  Notably, the introduction of the AEC marked a new integration step of ASEAN economies with a goal of building a competitive, dynamic and innovative ASEAN. Tran Thanh Hai, deputy head of the Import-Export Department under the Ministry of Industry and Trade, said that entering the ASEAN market, many Vietnamese products have had positive changes and become more competitive. For example, Vietnam used to acquire shrimp cultivation methods from other countries, such as Thailand in the past. However, it has made it to the list of biggest shrimp exporters in the world. On the other hand, having joined the AEC, enterprises now pay more attention to product quality, including technical standards.  Even when Vietnam enters a new era of integration with global-scale free trade agreements already put on the table for negotiation, the role of ASEAN Economic Community is still significant. AEC lays a firm foundation for Vietnam to continue its journey of global integration, insiders said. 
4. According to paragraph 3, what is correct about vietnam’s shrimp culturing?

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A recent study shows that an unequal share of household chores is still the norm in many households, despite the fact that many more women now have jobs. In a survey of 1,256 people ages between 18 and 65, men said they contributed an average of 37% of the total housework, while the women estimated their share to be nearly double that, at 70%. This ratio was not affected by whether the woman was working or not.
When they were asked what they thought was a fair division of labour, women with jobs felt that housework should be shared equally between male and female partners. Women who did not work outside the home were satisfied to perform 80% - the majority of the household work - if their husbands did remainder. Research has shown that, if levels increase beyond these percentages, women become unhappy and anxious, and feel they are unimportant.
After marriage, a woman is reported to increase her household workload by 14 hours per week, but for men the amount is just 90 minutes. So the division of labour becomes unbalanced, as a man's share increases much less than the woman's. It is the inequality and loss of respect, not the actual number of hours, which leads to anxiety and depression. The research describes housework as thankless and unfulfilling. Activities included in the study were cooking, cleaning, shopping, doing laundry, washing up and childcare. Women who have jobs report that they feel overworked by these chores in addition to their professional duties. In contrast, full-time homemakers frequently anticipate going back to work when the children grow up. Distress for this group is caused by losing the teamwork in the marriage.

Although women think men should share the housework, those who don't have paid job agree to share of the chores.

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Culture has a strong influence on non–verbal communication. Even the simple act of  looking someone in the eye is not at all that simple. In the USA, Americans are (1) ______ to look directly at people when speaking to them. It shows interest in what they are saying and is thought to carry a (2) ______ of honesty. Meanwhile, in Japan and Korea, people avoid long periods of eye contact. It is considered more polite to look to the side during a conversation. The Lebanese, (3) ______, stand close together and look intensely into each other’s eyes. The action shows sincerity and gives people a better sense of what their counterparts want. Given such differences with even the most common expressions, people (4) ______ travel or work abroad have a real need to learn the other culture’s body language. People tend to be unaware of the messages they are sending to others. So, it is (5) ______ to consider your own body language before dealing with people from other cultures. Knowing about the body language of friends, clients, and colleagues can be very helpful in improving understanding and avoiding miscommunication

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Set aside time each day Most of us can find 15 minutes or half an hour each day for some specific regular activity. It may be a free period or a regular wait, stay in the queue for a bus or meal - even while eating breakfast. One famous surgeon always made it a rule to spend at least 15 minutes on general reading before he went to sleep each night. Whether he went to bed at 10:00 p.m or 2:30 a.m. made no difference. Even if you cannot keep to this kind of discipline, it is a good idea to make sure you always have a general interest book in your pocket. Don’t forget it should be a book which entertains you and the English must not be too difficult for you. Checking your progress through pacing Nearly all speed reading courses have a "pacing element - some timing device which lets the student know how many words a minute he is reading. You can do this simply by looking at your watch every 5 or 10 minutes and noting down the page number you have reached. How do you know when 5 minutes have passed on your watch if you are busy reading the book? Well, this is difficult at first. A friend can help by timing you over a set period. Pace yourself every three or four days, always with the same kind of easy, general interest book. You should soon notice your habitual w. p. m rate creeping up. Check comprehension Obviously there is little point in increasing your w. p. m rate if you do not understand what you are reading. When you are consciously trying to increase your reading speed, stop after every chapter (if you are reading a novel) or every section or group of ten or twelve pages (if it is a textbook) and ask yourself a few questions about what you have been reading. If you find you have lost the thread of the story, or you cannot remember clearly the details of what was said, re-read the section or chapter. “Lightening speed” exercise Take 4 or 5 pages in the general interest book you happen to be reading at the time. Read them as fast as you possibly can. Do not bother about whether you understand or not. Now go back and read them at what you feel to be your normal w. p. m rate, the rate at which you can comfortably understand. After a “lightening speed” read through (probably around 6 w. p. m) you will usually find that your normal speed has increased -  perhaps by as much as 50 -100 w. p. m.
6. The passage recommends pacing yourself ____

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Although experts agree that traditional meetings are essential for making certain decisions and developing strategy, many employees view them as one of the most unnecessary parts of the workday. The result is not only hundreds of billions of wasted dollars, but the worsening of what psychologists call “meeting recovery syndrome”: time spent cooling off and regaining focus after a useless meeting.  It’s isn’t anything novel that workers feel fatigued after a meeting, but only in recent decades have scientists deemed the condition worthy of further investigation. Meeting recovery syndrome (MRS) is most easily understood as a slow replenishment of our limited mental resources. When an employee sits through an ineffective meeting their brain power is essentially being drained away, says Joseph A. Allen, a professor at the University of Utah. If they last too long, fail to engage employees or turn into lectures with little to no personal interactions, meetings will significantly diminish employees’ psychological stamina. Taking time to recover a must, but doing so comes at the expense of productivity.  As humans, when we transition from one task to another – such as from sitting in a meeting to doing normal work – it takes an effortful cognitive switch. We must make a big mental effort to stop the previous task and then expend significant mental energy to move on to the other. Some can bounce back from horrible meetings rather quickly, while others carry their fatigue until the end of the workday. It’s even worse when a worker has several meetings that are separated by only 30 minutes.  While no counter-MRS measures have been tested, Allen says one trick that might work is for employees to identify things or locations that quickly change their mood from negative to positive. As simple as it sounds, finding a personal happy place, going there and then coming straight back to work might be the key to reducing recovery time. Another solution is to ask ourselves if our meetings are even necessary in the first place. If all that’s on the agenda is a quickly catch-up, or some non-urgent information sharing, it may better for managers to send an e-mail to his or her subordinates instead. Most important, however, if for organizations to awaken to the concept of meetings being flexible, says Allen. We have to get rid of the acceptance of meetings as sites of pain, when they should be places of gain.” Allen says. 
5. The word “bounce back” in paragraph 4 can be best replaced by ___________

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Vietnam’s population is ageing quickly. In 2017, more than 10 per cent of the population will be 60 and older, and in 15–20 years the elderly will account for one third of the total population. This raises concerns about healthcare, welfare and pensions for the elderly at a time when Vietnam is focusing on economic integration and requires a large labor force. So far two solutions have been proposed: to loosen the two-child policy and to increase the retirement age to 58 for women and 62 for men. By ending the two-child policy the government expects to make up for the ageing population within the next 20 years. But its effect could be creating an uncontrollable boom in the Vietnamese population. When the government loosened the two-child policy in 2015 in a trial period, in the first 6 months of 2016 the third child birth rate increased remarkably by 7.5 per cent. Raising the retirement age has been proposed by the Ministry of Labor pending parliamentary evaluation in May 2017. While the policy is beneficial in utilizing the work experience of the elderly while creating savings in the pension budget, it also means fewer job prospects and promotion opportunities for younger generations. It is also not in the interest of all the elderly, especially the 70 per cent of Vietnam’s labor force working in manual labor-intensive sectors such as agriculture, manufacturing and construction where working above the age of 50 can be dangerous and unproductive. Despite these drawbacks, raising the retirement age is still considered by policymakers as one of the key solutions to the ageing population problem in Vietnam. However, these are only temporary solutions.  
5. The word “temporary” in paragraph 2 means_______________

Application for admission to the Graduate School at this university must be made on forms provided by the Director of Admission. An applicant whose undergraduate work was done at another institution should request that two copies of undergraduate transcripts and degrees be sent directly to the Dean of the Graduate School. Both the application and the transcripts must be on file at least one month prior to the registration date, and must be accompanied by a non-refundable ten-dollar check or money order to cover the cost of processing the application. Students who have already been admitted to the Graduate School but were not enrolled during the previous semester should reapply for admission using a special short form available in the office of the Graduate School. It is not necessary for students who have previously been denied admission to resubmit transcripts; however, new application forms must accompany all requests for reconsideration. Applications should be submitted at least eight weeks in advance of the session in which the student wishes to enroll. Students whose applications are received after the deadline may be considered for admission as non-degree students, and may enroll for six credit hours. Non-degree status must be changed prior to the completion of the first semester of study, however. An undergraduate student of this university who has senior status and is within ten credit hours of completing all requirements for graduation may register for graduate work with the recommendation of the chairperson of the department and the approval of the Dean of the Graduate School.

What is the author's main point?

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The government provided an _______ £25 million to expand the service.

Each sentence has a mistake. Find it bychosing A B C or D

 Pay particular attentive  to the warnings printed on the label