2020-2021高二英语下学期期中考试卷和答案

注意事项：

本试卷分第I卷（选择题）和第II卷（非选择题）两部

分。满分120分，考试用时120分钟。

第I卷（选择题）

第一部分：英语知识运用（共两节，满分30分）

第一节：单项填空（共20小题；每小题0.5分，满分10

分）

从每题所给的A、B、C、D四个选项中，选出可以填入

空白处的最佳选项，并在答题卡上将该项涂黑。

1.ThemovieTransformers5broughtin1.2billiondollars

in2011,whichwasnewheightin

director'scareer.

A.a；aB.a；theC.the；aD.the；the

2.—Why,mynewcomputerisrubbish!Fivehourshas

passedanditstillhasn'tfinishedthedownloading.

——Don'tworry.Youknow,sometimestheInternet

beveryslow.

A.canB.mayC.shouldD.must

3.Youngchildrenareoftenadvisednottospoiltheir

appetitebyeatingsweetsthethreemeals.

A.amongB.duringC.betweenD.

through

4.Accordingtotheoriginaldesign,theplantwouldbe

abletoatleast8,000pianosayear.

A.bringoutB.takeoutC.

putoutD.workout

5.Jessicahasalwaysbeenhonestandstraightforward,

anditdoesn'tmatterthatshe'stalkingto.

A.whoisitB.whoitisC.itiswhoD.it

iswhom

6.Comparisonmaymakesomethingappearmore

beautifulthanitiswhenalone.

A.toseeB.seeingC.isseen

D.seen

7.—Dad,dad!Myheadhurtssomuch.IthinkI'm

dying.

—_______,darling!Thedoctorsaysyouwillfeel

bettersoon.

A.Thatwill

doB.There,thereC.Hi,thereD.So

long

8.Researchershavefoundclearandconvincing

evidencehappinessis

thekeytobetterhealthandlongerlives.

A.whereB.whetherC.howD.that

9.Inspiteofthefactthatsocceristhemostpopular

internationalsport,itisn'twhatmostgirls.

A.goinforB.makeupforC.

doawaywithD.putupwith

10.Mr.Smithdoesn'tlikeallthatempty

talkbetweenSusanandJoan,whichhethinkswill

definitelygetthem.

A.anywhereB.

anythingC.nowhereD.nothing

11.一Jenny,Ihatetosayit,butyoureally

mustgo!

A.Allright,ifyouinsistB.Not

likely

C.MindyourownbusinessD.Youmustbekidding

12.Chemicalpollutionwillbringabouta

threattoagricultureandfoodchain,andto

humanhealth.

A.frequentlyB.significantlyC.

steadilyD.consequently

13.Theweatherthatdaymaynotbeas

goodasexpected,incasewewillhaveto

putofftheevent.

A.whatB.thatC.thisD.which

14.IafluwhenIwasonaspringoutingwithmy

classmates.

A.caughtupB.pickedupC.tookup

D.broughtup

15.Thefogwassoheavythismorningthatdriverscould

hardlythe

thingsjusttenmetersawayfromthem.

A.figureoutB.lookoutC.makeout

D.ruleout

16.Sofarallclonedanimalshavesufferedfromsome

differentseriousdisorders,dyingsoonafter

birth.

A.manyofwhichB.manyofwhomC.manyof

themD.manyofthat

17.—Iphonedyouat7yesterdayeveningbutnobody

answered.

—Oh,Imydogintheparkthen.

A.walkedB.waswalkingC.

hadwalkedD.wouldwalk

18.Onlylatelyaboutthedarksecretsbehind

theseemingly-happy

marriageofthegolfstarTigerWoods.

A.thepublichaveknownB.werethepublicknown

C.havethepublicknownD.thepublicknew

19.WehaveahighregardforMr.Blackbecausehe

alwaystriestohisprinciples.

A.liveuptoB.look

forwardto

C.catchupwithD.putup

with

20.Wehavetogivetheuserssomethingnew

whatwe'vealreadyoffered,whichistheonlywayto

broadentheappealofthewebsite.

A.regardlessofB.inadditionto

C.inexchangeforD.accordingto

第二节：完形填空（共20小题；每小题1分，满分20分）

阅读下面短文，掌握其大意，然后从21—40题所给的

四个选项（A、B、C、D）中，选出最佳选项，并在答题纸

上将该选项标号涂黑。

Iwanderedinthepark.Theparkbenchwas___21

asIsatdowntoreadbeneaththelong,straggly（蔓延的）

branchesofanoldwillowtree.Iwasdisappointedbylife

with___22___reasontofrown,fortheworldwasintent

ondraggingmedown.

___23thatweren'tenoughtoruinmyday,a

youngboyoutof___24approachedme,alltired

fromplay.Hestoodrightbeforemeandsaidwithgreat

excitement,"LookwhatIfound!"

Inhishandwasaflower,andwhata___25sight,

withitspetals（花瓣）allworn---notenoughrain,ortoo

littlelight.Ifakedasmall___26,wantinghimtotake

hisdeadflowerandleave,andthen___27.

Butinsteadofleavinghesatnexttomysideand

placedtheflowertohisnoseanddeclaredwithsurprise,

"Itsurelysmellsprettyandit'sbeautiful,too.That'swhy

Ipickedit；here,it'sforyou."

Theweedbeforemewasdyingordead.Notbrilliant

colors,orange,yelloworred.ButIknewImust___28

it,orhemightneverleave.SoIreachedfortheflower,

andreplied,"JustwhatIneed."

But___29himplacingtheflowerinmyhand,he

helditmid-airwithout30orplan.Itwasthenthat

Inoticedfortheveryfirsttime,thatyoungboycouldnot

see：hewasblind.

My31trembled,andtearsshonelikethesun

asI32___himforpickingtheverybestone."You're

welcome,"hesmiled,andthenranofftoplay,not

33oftheimpacthe'dhadonmyday.

Isatthereandwonderedhowhe34toseea

self-pityingwomanbeneathanoldwillowtree.Howdid

he35mydifficultsituation?36fromhis

heart,he'dbeenblessedwithtrue37.

AtlastIcouldsee,38theeyesofablindchild,

theproblemwasnotwiththe39；theproblemwas

me.AndforallofthosetimesImyselfhadbeen

40,Ivowed（发誓）toseebeauty,andappreciate

everysecondthat'smine.

Iheldthatwilted（枯萎）floweruptomynoseand

breathedinthefragranceofabeautifulroseandsmiled

asthatyoungboy.

21.A.equippedB.paintedC.desertedD.

taken

22.A.goodB.temporaryC.oppositeD.

mistaken

23.A.ForfearB.AsifC.EventhoughD.

Nowthat

24.A.happinessB.fortuneC.questionD.

breath

25.A.negativeB.seriousC.ridiculousD.

pitiful

26.A.giftB.preferenceC.discussionD.

smile

27.A.turnedawayB.wanderedoffC.stoodup

D.setout

28.A.takeB.adjustC.comfortD.

submit

29.A.inspiteofB.insteadofC.incaseof

D.becauseof

30.A.connectionB.delayC.hesitationD.

reason

31.A.heartB.handsC.voiceD.

legs

32.A.praisedB.thankedC.approvedD.

delighted

33.A.hopefulB.contentC.awareD.

successful

34.A.managedB.promisedC.desiredD.

accomplished

35.A.getacrossB.knowofC.careabout

D.dealwith

36.A.ActuallyB.SomehowC.ObviouslyD.

Perhaps

37.A.loveB.experienceC.sightD.

power

38.A.WithB.AcrossC.AroundD.

Through

39.A.worldB.flowerC.complaintD.

appearance

40.A.particularB.unforgettableC.blindD.

sensitive

第二部分：阅读理解（第一节20小题，第二节5小题，每题

2分，满分50分）

第一节：阅读下列短文，从每题所给的四个选项（A、B、C

和D）中，选出最佳选项，并在答题卡上将该项涂黑。

A.

Myfatherhadalwaysbeenanalertobserverof

humancharacter.Withinsecondsofmeetingsomeone,

hecouldsumuptheirstrengthsandweaknesses.Itwas

alwaysachallengetoseeifanyofmyboyfriendscould

passDad'stest.Nonedid.Dadwasalwaysright--they

didn'tpassmytesteither.AfterDaddied,Iwondered

howI'dfigureitoutonmyown.

That'swhenJackarrivedonthescene.Hewas

differentfromanyotherguyI'ddated.Hecouldsitfor

hoursonthepianobenchwithmymother,discussing

somecomposers.MybrotherRickloudlyannounced

thatJackwasn'taturkeyliketheotherguysl!dbrought

home.Jackpassedmyfamily'stest.Butwhatabout

Dad's?

Thencamemymother'sbirthday.Thedayhewas

supposedtodrive,Igotacall."Don'tworry,hesaid,

"butI'vebeeninanaccident.Tmfine,butIneedyouto

pickmeup.”

WhenIgotthere,werushedtoaflowershopfor

somethingforMom.£iHowaboutgardenias?1'Jacksaid,

pointingatabeautifulwhitecorsage（月匈花）.Theflorist

putthecorsageinabox.

Theentireride,Jackwasunusuallyquiet."Areyou

allright?"Iasked."I'vebeendoingalotofthinking,"

hesaid.111mightbemoving."Moving?Thenheadded,

"Movinginwithyou."Inearlyputthecaronthesidewalk.

“What?”Iasked.111thinkweshouldgetmarried/he

said.Hetoldmehe'dplannedhisproposalinafancy

restaurant,butaftertheaccident,hedecidedtodoit

rightaway."Yes,"Iwhispered.Webothsat

dumbfounded,tearsrunningdownourcheeks.I'dnever

knownsuchatendermoment.IfonlyDadwerehereto

givehisfinalapproval.

“Oh,let'sjustgoinside."Jacklaughed.Mymother

openedthedoor."HappyBirthday!"weshouted.Jack

handedtheboxtoher.Sheopeneditup.Suddenly,her

eyeswerefilledwithtears."Mom,what'swrong?"I

asked."I'msorry,nshesaid,wipinghereyes."Thisis

onlythesecondgardeniacorsageI'veeverreceived.I

wasgivenoneyearsago,longbeforeyoukidswere

born.""Fromwho?"Iasked.l,Yourfather,"Momsaid.

“Hegavemeonerightbeforewewereengaged."My

eyeslockedonJack'sasIblinkedaway（眨掉）tears.

Dad'stest?IknewJackhadpassed.

41.Accordingtothetext,weknowthewriter'sfather

was.

A.interestedinobservingthingsaroundB.goodat

judgingone'scharacter

C.strictwithherboyfriendD.fondof

challenges

42.WhatisthemainideaofParagraph2?

A.Jackgotthefamily'sapprovalexceptDad's.

B.Jackwasdifferentfromanyotherboy.

C.JackwasgettingonwellwithMother.

D.Jackknewalotaboutpiano.

43.Theunderlinedword"proposal"inParagraph5

means.

A.pieceofadviceB.wedding

ceremony

C.celebrationofbirthdayD.offerof

marriage

44.Onhearing“movinginwithyou”,thewriter

felt.

A.pleasedB.worriedC.surprised

D.disappointed

45.Whydidthewriter'smothercry?

A.Thegiftwasthesameastheoneherhusband

gaveher.

B.Shehadneverreceivedsuchabeautifulgift.

C.Herdaughterfoundherlifepartneratlast.

D.Thegardeniacorsagewastooexpensive.

B.

K0NANYANGNEWRIEnvironmental

l(^TEQM0GICA1NEMS

>UNIVERSITY

v/MasterofScience

NEWRI：NanyangEnvironment&

WaterResearchInstitute

Bealeaderinenvironmentalscienceand

engineering

throughtheNEMSprogramme

NEWRIEnvironmentalNEWRI-Nanyang

MasterofScienceEnvironment&

(NEMS)isaprimaryWaterResearch

graduateeducationandInstitute

researchprogrammeNEWRIisenabling

conductedbyNanyangSingaporetobea

TechnologicalUniversity,globalcenterof

s(NTU's)NEWRI,withenvironmental

summerattachmentatscienceand

StanfordUniversity.Ittechnologyin

aimstotrainengineersproviding

andscientiststomeettechnological

theincreasingsolutionstothe

environmentalworld.

challengesforAsiaandItiscommittedto

thewiderregion.environmentaland

MasterofSciencewatertechnologies

Applicationsthroughits

•Applicationsopennowecosystemof

andcloseon30Mayeducation,research

2012forSingaporeanddevelopmental

applicants.activities.

•GraduateshavingNEWRIistryingits

relevantengineeringorbesttopulltogether

sciencebackground,NTU'swaterand

includingfinal-yearenvironment-relate

students,areinvitedtodcentersand

apply.institutes,gathering

•Applicantsareoneanother's

requiredtohaveastrengthsforthe

certificateofGRE.benefitofindustry

andsociety.

FurtherinformationHighlightsof

andapplicationProgramme：

materialsareavailableat★Studentsspenda

theWebsite：fullsummertermat

.sg/cee/prStanfordtaking

ogram/postgrad,aspregularcoursesand

Scholarshipfortuitioncontinuewiththe

grantsandlivingrestoftheir

expensesatbothacademic

StanfordandNTUprogrammeatNTU.

areavailable★Itisa12-month

Enquirycontact：Msfull-timecoursein

ChristianSohenvironmental

Tel:(65)68610507science&

Fax：(65)68614606engineering.

Email：nems@.★Studentsunder

sgNEMSwillhave

Informationonotheropportunitiestodo

graduateresearchprojects

programmesunderNEWRIaswell

availableat:astocontinuefor

.sg/cee/prtheDoctor's

ogram/postgrad.asdegree.

P★Graduating

studentsreceivethe

NTUdegreeanda

certificatefrom

Stanfordfortheir

summer

attachment.

46.IfonewantstoapplyfortheNEMSprogramme,itis

essentialforhimto.

A.havepassedtheGREtest.B.make

contactwithMsSoh

C.possessauniversitydiplomaD.majorin

engineeringorscience

47.StudentsadmittedtotheNEMSProgramme

A.willfirsthaveregularcoursesatStanford

B.needn'tbereleasedfromtheirregularjobs

C.arerequiredtoobtainaDoctor'sdegree

D.canreceivedegreesofbothNTUandStanford

48.What'sthemainpurposeoftheNEMSprogramme?

A.Toofferscholarshipfortuitiongrantsandliving

expenses.

B.TostrengthenthecooperationbetweenNTUand

Stanford.

C.Tocultivateexpertsonenvironmentalscienceand

engineering.

D.TointroduceNanyangEnvironment&Water

ResearchInstitute

49.Wecanlearnfromthepassagethat.

A.applicationsfortheNEMSprogrammeareopenfor

applicantsfromAsiaandthewiderregion.

B.applicationsfortheNEMSprogammeareopenonly

tograduateshavingrelevantengineeringor

sciencebackground.

C.therearestillsomeothergraduateprograms

conductedbyNanyangTechnologicalUniversity.

D.graduatingstudentsfromtheNEMSprogrammewill

haveopportunitiestocontinueforthedoctor's

degreeatStanford

C.

Aboutthistimeeveryyear,Igetverynostalgic（，怀|日

的）.Walkingthroughmyneighborhoodonafall

afternoonremindsmeofatimenottoolongagowhen

soundsofchildrenfilledtheair,childrenplayinggames

onahill,andthrowingleavesaroundinthestreetbelow.

Iwasoneofthosechildren,carefreeandhappy.Iliveon

astreetthatisonlyoneblocklong.Ihavelivedonthe

samestreetforsixteenyears.Ilovemystreet.Oneside

hassixhousesonit,andtheotherhasonlytwohouses,

withasmallhillinthemiddleandahugecottonwood

treeononeend.WhenIthinkofhome,Ithinkofmy

street.OnlyIseeitasitwasbefore.Unfortunatelythings

change.Oneday,notlongago,Ilookedaroundand

sawhowdifferenteverythinghasbecome.Lifeonmy

streetwillneverbethesamebecauseneighborsare

quicklygrownold,friendsaregrowingupandleaving,

andthecityisplanningtodestroymyprecioushilland

sellthepropertytocontractors.

Itishardformetoacceptthatmanyofmy

wonderfulneighborsaregrowingoldandwon51be

aroundmuchlonger.Ihavefondmemoriesofthe

coupleacrossthestreet,whosattogetherontheirporch

swingalmosteveryevening,thewidownextdoorwho

yelledatmybrotherandmeforbeingtooloud,andthe

crazyoldmaninablacksuitwhodroveanoldcar.In

contrasttothosepeople,thepeopleIseetodayarevery

oldneighborswhohaveseenbetterdays.Themanin

theblacksuitsayshewantstodie,andanotherneighbor

justsoldhishouseandmovedintoanursinghome.The

ladywhousedtoyellatusistootiredtobotheranymore,

andthecoupleacrossthestreetrarelygoouttotheir

frontporchthesedays.Itisdifficulttowatchthese

preciouspeopleastheyneartheendoftheirlives

becauseatonceIthoughttheywouldliveforever.

The11comingsandgoings"oftheyounger

generationofmystreetarenowmostly“goings”as

friendsandpeersmoveon.Onceuponatime,mylife

andthelivesofmypeersrevolvedaroundhome.The

boundaryofourworldwasthegutterattheendofthe

street.Wegotpleasurefromplayingnightgamesor

fromabreathtakingrideonatricycle.Thingsare

differentnow,asmyfriendsbecomeadultsandmove

on.Childrenwhorodetricyclesnowdrivecars.Thekids

whoonceplayedwithmenowhavenewinterestsand

valuesastheygotheirseparateways.Somehavegone

awaytocollegelikeme,afewgotmarried,twowentinto

thearmy,andonewenttoprison.Watchingallthese

peoplegrowupandgoawaymakesmelongforthe

goodolddays.

Perhapsthebiggestchangeonmystreetisthefact

thatthecityisgoingtoturnmyprecioushillintoseveral

lotsfornowhomes.Forsixteenyears,theviewoutofmy

kitchenwindowhasbeenaviewofthathill.Thehillwas

afundamentalpartofmychildhoodlife；itwasthehub

ofsocialactivityforthechildrenofmystreet.Wespent

hourstherebuildingforts,sledding,andplayingtag.The

viewoutofmykitchenwindownowisverydifferent；itis

oneoftractorsanddumptruckstearingupthehill.When

thehillgoes,theneighborhoodwillnotbethesame.Itis

apieceofmychildhood.Itisavisualreminderofbeing

akid.Withoutthehill,mystreetwillbejustanotherpea

irthepod.

Therewasatimewhenmystreetwasmyworld,and

Ithoughtmyworldwouldneverchange.Butsomething

happened.Peoplegrowup,andpeoplegrowold.

Placeschanges,andwiththechangecomesthe

heartacheofknowingIcannevergobacktothetimesI

loved.Inayearorso,Iwillbegonejustlikemanyofmy

neighbors.Iwillalwayslookbacktomyyearsasachild,

buttheplaceIrememberwillnotbethesilentstreet

whosepeaceisinterruptedbythesoundsof

construction.Itwillbethehappy,noisy,somewhat

strange,butwonderfulstreetIknewasachild.

50.Thewritercallsupthememoryofthestreet

A.everyyearwhenautumncomes

B.intheafternooneveryday

C.everytimehewalksalonghisstreet

D.nowthatheisanoldman

51.Thewriterfindsithardtoacceptthefactthat

A.manyofhisgoodneighborsaregrowingold

B.theladynextdoorwhousedtoyellathimandhis

brotherisnowawidow

C.thelifeofhisneighborshasbecomeveryboring

D.themaninhisblacksuitevenwantedtoendhis

ownlife

52.Thewriterthinksofthepastallthemorewhenhe

seesthosewhohadgrownupwithhim

A.continuetoconsiderhometobethecenteroftheir

lives

B.leavetheneighborhoodtheygrewupin

C.stillenjoyplayingcardgamesintheevenings

D.developnewinterestsandhavenewdreams

53.Thebiggestchangeonthewriter'sstreetis

A.removingthehilltomakewayforresidential

development

B.thebuildingofnewhomesbehindhiskitchen

window

C.thefactthattherearemuchfewerpeoplearound

thaninthepast

D.thechangeinhischildhoodfriends'attitude

towardstheirneighborhood

54.Whatdoesthewritermeanbysaying“mystreetwill

beanotherpeainthepod"?

A.hisstreetwillbeverynoisyanddirty

B.hisstreetwillsoonbecrowdedwithpeople

C.hisstreetwillhavesomenewattractions

D.hisstreetwillbenodifferentfromanyotherstreet

55.Whichcouldbeagoodtitleforthepassage?

A.ThePastofMyStreetwillLiveForever

B.UnforgettablePeopleandThingsofMyStreet

C.MemoryStreetIsn'tWhatItUsedtoBe

D.TheBigChangesofMyStreet

D.

Onethingthetourbooksdon'ttellyouaboutLondon

isthat2,000ofitsresidentsarefoxes.Theyranaway

fromthecityaboutcenturiesagoafterdevelopersand

pollutionmovedin.Butnowthattheenvironmentis

cleaner,thefoxeshavecomehome,oneofthemany

wildanimalsthathavemovedintourbanareasaround

theworld.

“Thenumberandvarietyofwildanimalsinurban

areasisincreasing,saysGomerJones,presidentof

theNationalInstituteforUrbanWildlife,inColumbia,

Maryland.AsurveyofthewildlifeinNewYork'sCentral

Parklastyeartalliedthespeciesofmammals,including

muskrats,shrewsandflyingsquirrels.Asimilarsurvey

conductedinthe1890scountedonlyfivespecies.One

ofthecountry'slargestpopulationsofraccoons（浣熊）

nowlivesinWashingtonD.C.,andmoose（驼鹿）are

regularlyseenwanderingintoMainetowns.Peregrine

falcons（历字隼）divefromthewindowledgesofbuildings

inthelargestU.S.citiestopreyon（捕食）pigeons.

Severalchangeshavebroughtwildanimalstothe

cities.Foremostisthatairandwaterqualityinmany

citieshasimprovedasaresultofthe1970s

pollution-controlefforts.Meanwhile,ruralareashave

beenbuiltup,leavingmanyanimalsontheedgesof

suburbs.Inaddition,urbanwildliferefuges（避难处）have

beencreated.TheGreaterLondonCouncillastyear

spent£750,000tobuylandandbuild10permanent

wildliferefugesinthecity.Over1,000volunteershave

donatedmoneyandclearedrubblefromderelictlots.

OneeveninglastyearafoxwasseenonWestminster

BridgelookingupatBigBen.

Forperegrinefalcons,citiesareactuallysaferthan

ruralcliffdwellings（悬崖栖息地）.By1970thebirdshad

diedouteastoftheMississippibecausetheDDThad

madetheireggstoothintosupportlife.Thatyear,

scientistTomCadeofCornellUniversitybeganraising

thebirdsforreleaseincities,forcitiesafforded

abundantfood.

Citiescanattractwildanimalswithoutturningthem

harmful.Thetrickistocreatehabitatswheretheycanbe

self-sufficientbutstillbeseenandappreciated.Such

habitatscanevenbefunctional.InSanFrancisco,the

localgovernmentistestingdifferentkindsofrainwater

controlbasinstoseenotonlywhichonesretain（保持）

thecleanestwaterbutwhichwillattractthemostbirds.

56.Thefirstparagraphsuggeststhat.

A.environmentiscrucialforwildlife

B.tourbooksarenotalwaysareliablesourceof

information

C.Londonisacityoffox

D.foxesarehighlyadaptabletoenvironment

57.WhichofthefollowingisNOTareasonthatwildlifeis

returningtothecities?

A.Foodisplentifulinthecities.

B.Wildlifeisappreciatedinthecities.

C.Wildliferefugeshavebeenbuiltinthecities

D.Airandwaterqualityhasimprovedinthecities

58.TheunderlinedwordtltalliedninPara.2means

A.distinguishedB.describedC.counted

D.excluded

59.Itcanbeinferredfromthepassagethat

A.Londonersareputtingmoreandmorewildanimals

intotheirzoos.

B.Londonersarehappytoseewildanimalsreturnto

theircity

C.Londonersaretryingtomovewildanimalsbackto

thecountryside

D.Londonershavewelcomedthewildbirds,butfound

foxesaproblem

60.Whatisthepassagemainlyabout?

A.WildlifereturningtolargecitiesB.Foxes

returningtoLondon

C.WildanimalslivinginzoosD.Asurveyof

wildlifeinNewYork

第二节：阅读下列材料，从所给的六个选项（A、B、C、D、

E和F）中，选出符合各小题要求的最佳选项。选项中有一

项是多余选项。

A.PrepareforRainyDaysB.WatchYour

Spending

C.GetAggressiveD.StartSaving

E.SettheGoalF.SaveMore

StepstoRetireaMillionaire

Havingamillion-dollarportfolioisaretirement

dreamformanypeople.Makingthatdreamcometrue

requiressomeseriouseffort.Whilesuccessisnevera

surething,thestepsoutlinedbelowwillgoalongway

towardhelpingyouachieveyourobjective.

61._______

Vacations,car,kidsandalloflife'sotherexpenses

takeabigchunkoutofyourpaycheck.Tomaximizeyour

savings,youneedtominimizeyourexpenses.Buyinga

homeyoucanaffordandlivingalifestylethatisbelow

yourmeansandnotfundedbycreditcardsareall

necessitiesifyouwanttoboostyoursavings.

62._______

Ifyoudon'tsave,you'llneverreachyourgoal.As

obviousasthismightseems,fartoomanypeoplenever

evenstarttosave.Ifyouremployeroffersa401(k)plan,

enrollingintheplanisagreatwaytoputyoursavingson

autopilot.Simplysignupfortheplanand

contributionswillbeautomaticallytakenoutofyour

paycheck,increasingyoursavingsanddecreasingyour

immediatetaxliability.

Ifyouremployerofferstomatchyourcontributionsup

toacertainpercentage,besuretocontributeenoughto

getthefullmatch.It'slikegettingaguaranteedreturnon

yourinvestment.Findingthecashtostashmaybea

challenge,particularlywhenyou'reyoung,butdon'tlet

thatstopyoufrompursuingfutureriches.

63._______

Studieshaveshownthatthemajorityofthereturns

generatedbyaninvestmentaredictatedbythe

asset-allocationdecision.Ifyouarelookingtogrowyour

wealthovertime,fixed-incomeinvestmentsaren'tlikely

togetthejobdone,andinflationcantakeabigchunk

outofyoursavings.

Investinginequitiesentailsmorerisk,butisalso

statisticallylikelytoleadtogreaterreturns.Formanyof

us,ifsariskwehavetotakeifwanttoseeourwealth

grow.Asset-allocationstrategiescanhelpyoulearn

howtomakepickingtherightmixofsecuritiesthecore

ofyourinvestingstrategy.

64._______

Partoflong-termplanninginvolvesacceptingthe

ideathatsetbackswilloccur.Ifyouarenotprepared,

thesesetbackscanputastoptoyoursavingsefforts.

Whileyoucan'tavoidallofthebumpsintheroad,you

canprepareinadvancetomitigatethedamagetheycan

do.

65.________