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10 Tips for Staying on Budget

Reaching your financial goals requires both planning and determination. See more pictures of banking and money management.
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You have a big expense coming up. You need a better car, or a bigger home, or you w­ant to go back to college. What do you do? Borrow, borrow, borrow -- right? Well, maybe not.

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他说:“黄金披萨奢华至极。如果你想享受一顿奢侈大餐,那么这份披萨就是为你准备的。”
Fluctuations of the markets led to a tightening of IPO approval to maintain stability, according to Frank Lyn, PwC China's mainland and Hong Kong Markets Leaders.
纽约州莱维敦的五年级学生张天羽在10万名参赛者中脱颖而出,赢得了本年度谷歌国际少年绘画大赛冠军。这次比赛的主题是“画一个能使世界变得更好的东西”。
Though bionic legs are of course a huge boon to amputees, they lack actual nerve connections with the body. As a result, walking on them is cumbersome and tiring. But last year, Seattle resident Zac Vawter was outfitted with the world's first thought-controlled leg, a bionic limb that takes signals directly from his mind.
日食
“Australia stands out as a market that boomed when reform allowed it to switch from a commission-based model to a fee-based one,” says Mr Montanari. “This would be a game changer in Asia.”
adj. 浪漫的

4=true
n. 肩膀,肩部

­It's easy to understand how careful budgeting can improve a financial situation. And we all know that fewer financial problems mean less stress. But here's one of the best benefits: Working together on a budget can help your marriage. With money arguments being one of the largest causes of divorce, managing your budget can relieve financial stress on your marriage and make your life better all around­.

对学习充满热情
Misrepresenting your credentials or intentionally plagiarizing, lying on time sheets or billable hours, misusing expense accounts or abusing company credit cards, stealing the kudos for a co-workers' accomplishments, or otherwise robbing your employers blind can all cost you your job.

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intimidating
n. 回答,响应,反应,答复
第八步 反(假)复(装)练习轨迹记忆法或者罗马房间法

Determine the amount of your budget that you can afford to save each month. Have it direct-deposited to your savings account, or to your mutual fund. Wherever you decide to keep your savings, make sure you put money into it every month. That savings will make a big difference for you later.­

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Using cash instead of credit or debit cards can make it easier to control your spending habits.
Using cash instead of credit or debit cards can make it easier to control your spending habits.
Mario Tama/Getty Images

Take out enough cash to last one week at a time. Make up your mind that the cash you have is all you get for discretionary expenses, or things that you could live without, each week. It's much easier to turn down a $60 pair of shoes when it will take the last of your week's cash than it is when you just have to swipe a credit card.

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­Wh­ether it's alcohol or tobacco, if you use much of either, you know how expensive bad habits can be. Stop smoking and drinking, and put the beer/cigarette money toward your other expenses. You'll see your bills come down -- and feel your health improve -- in no time. You'll also save on health care expenses down the road, and you may become eligible for lower insurance premiums.

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­Make sure you're not the only member of your household concerned about your budget. If you're working hard to save money, but your spouse is out spending you into debt, you're fighting a losing battle. Sit down together and make a plan to determine how much ­spending money you should each have. Then, check in every week to see how well you're doing. If the entire family shares the responsibility for the budget, everyone can cut back just a little and make a big difference. One person shouldn't have to shoulder the entire burden alone.

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If you have credit card debt, you may feel like it's going to take forever to pay it off. But you can get ahead by choosing one card -- ideally, the one with the highest interest rate -- and paying as much as you can on it every month. If you have other cards, pay the minimum balance on those until you've paid off the first card. Then, choose the next card and pay extra on it while you pay minimums on the others. If you pay only the minimums on all your cards, you'll be paying a lot more in interest than you may realize.

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n. 身份,一致,特征
Doing more to unleash the potential of domestic demand
在讲故事的时候,历史片和故事片各有所长,不过,时不时也会出现无法归入其中任何一类的电影。这些故事十分离奇,但字里行间又透着现实。这些电影非常有趣,观众却常常完全不知道,他们正在看的情节真的发生过。好啦,别猜了!读下去,你就能认识几个好莱坞的古怪剧本,都是受到狗血现实生活的启发。
stylish
Of the 27 provincial-level regions that outpaced the country's 6.7% GDP growth in 2016, only three regions - Chongqing, Guizhou and Tibet - achieved double-digit growth.
祝好运、健康、佳肴伴你度过一个快乐新年。

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该项目的另一个好处在于,它鼓励了职业灵活性,让年轻人对曲折的职业道路有所准备,而后者可能在现代职场中是必不可少的。
?随着飓风桑迪在周一晚上到周二转移到大西洋中部各州,数十人死亡、数百英里的海岸线被淹没以及纽约市的基础设施遭受了巨大打击。数以百万计的人被置于停电的境况下。
While Kobe's grown into his 6'6'' frame nicely, he was still a pretty decent-sized guy back in high school. Just imagine how hard trying to stop a 17-year-old Kobe Bryant was back in 1996. I'm sure it was nearly impossible.
这笔交易令17岁的达洛伊西奥成为百万富翁。他在12岁时自学编写软件程序,他将一边继续学业,一边参与雅虎伦敦办事处的工作。
Lian Ping, chief economist with the Bank of Communications, said rising producer prices may push up consumer prices in the longer term.

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­­Look through your budget and all your receipts. Can you find an expense that can be cut? Maybe you could bring your lunch to work twice a week, or set up a carpool with a friend. Just c­utting out restaurant and gas costs can help increase the amount of money you have available for savings and purchases.

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­If you find that you keep reaching into your savings, set up a CD or other acc­ount with early withdrawal penalties. Banks and other institutions pay more interest if you'll agree to let them use your money for a longer amount of time. Putting your savings into a yearly CD will yield more than a three-month note would.

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­Remember that life is unpredictable, and things happen that are out of our control. When­ you make a budget, try to allow some extra money for variable expenses. And, be gentle with yourself if you go over your budget sometimes. It can be hard to get back on track ­if you let yourself get too frustrated over a mistake or two.

Adding a plant is beneficial, as nature is a subconscious link to energy. An orchid or bamboo plant is easy to maintain, while providing a refreshing element to your space.
Small circulation also contributed to the monkey stamp's record price. Only five million "Golden Monkey" stamps were released for circulation in 1980, and they are exceedingly rare now.
Recruits are expected to have a decent degree result — a 2.1 or above. While academic credentials are important, Teach First also looks for personal skills such as humility, respect and empathy. Applications to join the scheme outnumber the places available by seven to one.
Though bionic legs are of course a huge boon to amputees, they lack actual nerve connections with the body. As a result, walking on them is cumbersome and tiring. But last year, Seattle resident Zac Vawter was outfitted with the world's first thought-controlled leg, a bionic limb that takes signals directly from his mind.
Low inflation reflects weakening demand and doesn't inspire confidence about the economic shift from manufacturing to consumption, yet at the same time it should allow Beijing to enact stimulus should it seek to support the economy further .
According to government sources, property sales in Hong Kong fell almost 40 per cent in the first half of the year compared with the same period in 2015 — both in terms of price and volume. An index from the Rating and Valuation Department released this month showed the commercial sector was a particular casualty, with prices falling 5.7 per cent in May compared with the same month last year.
Porto is nearly synonymous to port wine, and also its rich history. The city's historic center and the Alto Douro Wine Region have been listed as UNESCO World Heritage Sites.
在令人失望的2014年里,基金投资者们没有太多的动作。总体而言,过去11个月中,主动选股基金仅新增了350亿美元资金,还不到2013年同期新增资金(1620亿美元)的四分之一。2013年是该行业自2007年以来首次实现资金净流入。不过,这并不是说基金行业毫无作为。截止感恩节,交易所交易基金(ETFs)和被动指数型基金吸纳了2060多亿美元净存款,行业领先者先锋集团管理的基金规模在今年夏末突破了3万亿美元大关。投资者们似乎已经决定,与其把宝押在“骑手”身上,不如直接把赌注押在“赛马”身上。
勉强能。民主党需要再赢得24个席位,这意味着他们需要守住特朗普去年胜选的全部12个民主党选区,并拿下23个在大选中投票支持希拉里克林顿(Hillary Clinton)的共和党选区,另外再添上一两个选区。算起来形势对民主党不利,但从历史先例来看形势有利于民主党。历任总统所在的政党几乎总会在中期选举时丢掉一些众议院席位,有时丢得还挺多,特别是当在位总统的支持率低于50%的时候。看一看2010年的巴拉克奥巴马(Barack Obama)就知道了。
刘易斯说道:“人们不能像这样,抛弃他们的宠物。每个人都有悉心照料自己宠物的法律义务。”

Scientists may be working hard at making organs that match the body's capabilities, but why stop there?

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Goldie Blox is a toy company on a mission to redefine the “pink aisle” in toy stores. Men dramatically outnumber women in science, technology, engineering and math (STEM) education and careers, with girls largely losing interest in these topics by age 8. Goldie Blox toys are designed to inspire future engineers by engaging girls in a way that draws on their strong verbal and storytelling skills — while still offering opportunities to build the skills that can later translate into an interest in engineering. And speaking of opportunity, how does a start-up toy company stand out against the big names that have been dominating the toy space since the beginning of time? In a savvy move, Goldie Blox recently released a video that went viral with their take on the Beastie Boys song “Girls.” Though the video was ultimately taken down, Goldie Blox did an excellent job raising awareness of the need to get more women and girls interested in STEM … and of the Goldie Blox toys.


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  • 4. Your co-worker blabbed。
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    15. “The End of the Tour” (James Ponsoldt)
  • Chicago-based rival AT Kearney is also preparing for a change at the top, with a vote to replace Johan Aurik, who has already served the maximum two terms as managing partner, due to take place in the first quarter of 2018. His replacement will be expected to focus on how to pull AT Kearney out of the ranks of mid-sized players.
    I am so excited to be hosting the Oscars for the second time. You know what they say - the third time's the charm.

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