It's 4 am, and Danilo C. Dequina is already awake. Holding a flashlight and a bucket, he is walking in the pre-dawn darkness along the shore of Old Poblacion Beach in the town of Maitum, Sarangani, in the far south of the Philippines. A few minutes later, he spots a patch of sand that appears to have been disturbed by a turtle. Dequina studies the area carefully, figuring out where the eggs have been buried, and then starts digging slowly. After clearing away several centimeters of sand, he uncovers a large group of eggs, roughly the size of ping-pong balls. He picks them up and puts them in the bucket. Dequina carries the eggs to his hatchery  , some 50 meters away from the seashore. The hatchery is really just a sandy patch of land under the coconut trees enclosed by a black fence. It is here that he buries the turtle eggs he has collected. Today, Dequina scoops a hole, puts the eggs in it, and covers them with sand. After 45 to 70 days, the eggs will hatch. Dequina will then carry the hatchlings to the shore, and release them into the sea. He admits to feeling sorrow as he sets the hatchlings free -- most are hunted down by natural predators, and just one percent survive to adulthood. According to the Philippine Department of Environment and Natural Resources (DENR), eight species of sea turtles face extinction, including four that come to the shores of Sarangani to lay their eggs -- the Hawksbill, Olive Ridley, Loggerhead and Green Turtles. After learning about their plight  , Dequina attended a DENR training session on turtle conservation and decided to take action. He helped the local government to set up the Pawikan Nesting Sanctuary next to his house in 2003. The hatchery drew the attention of the locals. "They started to change their attitudes towards sea turtles," 52-year-old Dequina says. "If they see turtle eggs, they will either bring them to me or inform me of the nesting places." Over the past ten years, more than 3,000 hatchlings have been released to the ocean. What is the attitude of local people toward Dequina's efforts? A) Doubtful. B) Disappointed. C) Opposed. D) Supportive.
D


The life-long benefits of teaching children good money habits make it well worth the effort. Children who are not taught these lessons pay the consequences for a life time. Some parents don't teach children about money because they think they shouldn't talk about money with children, don't have the time, or think they don't have enough money. Parents should take the time to teach children about money regardless of their income and should start when children are young. Most people have strong feelings and opinions about money, based on childhood experiences and the values and beliefs of their families. Most often, these experiences, values, and beliefs are different for each parent. It is important for the healthy development of children that parents talk about these feelings and opinions and establish a consistent approach to teaching children about money. Here are some guidelines parents can keep in mind as they begin the financial socialization of their children: Advise rather than order how the child's money should be used. Allow children to learn by mistakes and by successes. Be consistent while taking children's differences into account. Include all family members in money management discussions, decision making, and activities suitable for their age. Explan to children what they can and cannot do and the consequences of going above the limits. As children get older increasingly include them in discussions of limits and consequences. Expect all family members to perform unpaid, routine household work based on their abilities. Express your desire to have things you can't afford. Children need to know that parents say "no" to themselves, too. The writer believes that if children don't learn good money habits, they  _  . A) won't be able to earn enough B) won't be involved in housework C) will have to work hard all their life. D) will suffer the bad results all their life
D


Q: If' you are finding it tough to land a job, try expanding your job-hunting plan to include thefollowing strategies: Set your target While you should always keep your opinions open to compromise, you should also be sure to target exactly what you want in a job. A specific job hunt will be more efficient than a random one . Schedule abundant interviews Use every possible method to get interviews-answering ads, using search firms, contacting companies directly, surfing the Web, and networking. Even if a job is not perfect for you, every interview can make you learn from it. Follow up Even if someone does not hire you, write them a thank-you note for the interview. Then. some weeks later, send another brief letter to explain that you still have not found the perfect position and that you will be available to interview again if the original position you applied for-or any other position, for that matter-is open. Do this with every position you interview for, and you may just catch a break. Make it your full-time job You can't find a job by looking infrequently. You have to make time for it. If you're unemployed and looking for a job, devote as much time as you would to a full-time job. If you have a job while you're looking, figure out an organized schedule to maximize your searching time. Network vertically In the research phase of your job hunt, talk to people who are on a level above you in your desired industry. They'll have some insights that people at your own level won't have, and will be in a good position to hire you or recommend you to be hired. Keep your spirits up Looking for a job is one of the toughest things you will ever have to do. Maintain your confidence, stay persistent, and think positively, and eventually you will get a job that suits you. According to the author, your job-hunting plan had better be as  _   as possible. A) random B) clear C) fixed D) complex
A: B


Spending beyond one's means is becoming a national problem for Americans.Borrowing has become so easy that it takes great willpower for people to refuse it."I received a number of gold MasterCard and gold Visa card offers in the mail during the past two months,"said one computer engineer at AT &T Bell Laboratories in Chicago."I got three of them in one day last week."  Lenders are providing easy credit for borrowers.Many banks now offer every borrower a great variety of credit,a service once offered almost only to big companies.Norwest Bank Minneapolis offers lending programs for cars and boats that can cut monthly payments nearly m half .Carmakers,too,are lengthening easier terms.Ford Motor Credit states that 45 % of its recent lendings has been for sixty months,rather than the sixty-six-month period that was usual before.  The total consumer debt in the United States rose 73 percent between 1974 and 1984,as the debt for each man,woman,and child increased from $10,264 to $26,566.Huge debt now is present in our economy at all levels.As a nation,we are more than $7 trillion in debt,and the total keeps increasing astonishingly.  As we have over borrowed,so have we overspent.In late 986,the share of after-tax income that Americans saved sank below 2 percent for a short time,less than half the figure at which we saved only 10 years ago.Americans now are buying from foreigners between about $50 and $100 billion more Mercedes and Toyotas, Paris fashions,and tours to Europe than the Boeing 747s, agriculture machinery , or Kansas wheat that the foreigners bought from America. The country could not produce and pay for all the things it wanted.  To make a long story short, we Americans have serious problems in keeping down spending and keeping up personal savings.It is high time for us American people to learn the basics of long-term money management. According to the author,  what is a main reason for Americans to overspend? A) Americans buy a lot of  foreign products. B) It is easy for Americans to manage their debts. C) Borrowing money has become a simple matter. D) Americans have more extra money than before.

C