2020年商务英语考试高级阅读材料(最新)
2020年BEC剑桥商务英语高级阅读试题及答案(卷二)
2020年BEC剑桥商务英语高级阅读试题及答案（卷二）Lack of self-confidence will put you at a disadvantage in a negotiation .1. This company has been involved in diversifying its business activities.2. Although this company is doing well, it has a number of internal difficulties to deal with3. This company has reduced the profits it makes on individual items4. One statistic is a less accurate guide to this company’s performance than another5. The conditions which have helped this company are likely to be less favourable in the future6. This company’s share price has been extremely volatile over the last twelve months7. This company is likely to be the subject of a takeover bid in the near future8. This company’s performance exemplifies a widely held beliefA Chemical CompanyMasterson’s interim pre-tax profits growth of 20% was somewhat inflated as a result of the income received from the disposal of several of the company’s subsidiaries. The underlying 8% rise in operating profits is a more realistic gauge of the company’s true progress. However,Masterson’s impending merger with Bentley and Knight and its appointment of a new chief executive should mean that the company will be able to sustain growth for the foreseeable fut5ure. The share price has varied little during the course of the year and now stands at ￡6.75B Hotel GroupDuring the past year the Bowden Hotel Group has acquired 77 new properties, thus doubling in size . last week the group reported pre-tax profits of ￡88 million in the first six months of the year, ahead of expectations and helped by a strong performance from its London-based hotels and newly expanded US business. However. There is still some way to go. Integration of the new acquisitions is still not complete and, while the share price has risen recently, major problems with integration have yet to be solved.C High-tech CompanyThis time last year a share in Usertech was worth just over ￡1. six months ago it was worth ￡40. today it is priced at under ￡8 . if proof were need, here is an illustration of how much of a lottery the technology market can be. But some technology companies are fighting back and Usertech is one of them . What has renewed excitement in the company is the opening of its new American offices in Dallas and its ambitious plans to expand its user base in both North and Latin America.D Building CompanyRenton’s share price has risen gradually over the past year from ￡2.4 to ￡3.8 . The company has been successful in choosing prime location for its buildings and has benefited from the buoyant demand for housing. Whilst this demand is expected to slow down somewhat during the next year, investors are encouraged by the company’s decision to move into building supermarkets. Work has already begun on two sites in London, and the company is expected to sign a contract within the next month for building four large supermarkets in Scotland.E Pottery ManufacturerMilton Dishes has been through a shake-up over the past year. The group, which has been cutting margins and improving marketing, may post a small profit this year. The many members of the Milton family, who between them own 58 per cent of the business, have been watching the share price rise steadily and several are looking to sell. Trade rival Ruskin has bought up just over 17 percent of the shares and could well be spurred into further action by the signs of a recovery at the firm.参考答案:1 D2 B3 E4 A5 D6 C7 E8 C这种类型的题不过是一个句子换一种说法，关键是看对每一段话的理解。
剑桥商务英语考试高级阅读材料--精选3篇
剑桥商务英语考试高级阅读材料--精选3篇为了让大家更好的打算高级商务英语BEC考试，我给大家整理商务英语考试高级阅读材料,下面我就和大家共享，来观赏一下吧。
20xx年商务英语考试高级阅读材料一Top-3 Strategies to Create a Zero Waste BusinessKerri HollingsworthModern-day waste is currently being treated with an “out of sight, out of mind” attitude. If we can’t see our waste, it doesn’t exist. But this mindset is directly making businesses complacent, and more importantly financially irresponsible when believing that for reduction of waste means a rise in costs and expenditure.The way we conduct business through production, transportation, consumption and the discarding of materials, all attribute to the landfill issues that are rapidly becoming a real problem for our government and citizens alike.But, what if there was a way to create a successful business without the waste? Being mindful of your waste in the workplace isn’t something that is being brushed off like it might have been ten years ago, with more and more employees and managers implementing huge strategies to ensure their businesses are operating in an eco-conscious manner for the betterment of our environment.According to the Zero Waste Alliance, “Zero Waste is a goal that is ethical, economical, efficient and visionary, to guide people in changing their lifestyles and practices to emulate sustainable natural cycles, where all discarded materials are designed to become resources for others to use.”“Zero Waste means designing and managing products and processes to systematically avoid and eliminate the volume and toxicity of waste and materials, conserve and recover all resources, and not burn or bury them. Implementing Zero Waste will eliminate all discharges to land, water or air that are a threat to planetary, human, animal or plant health.”Going beyond a recycling bin by our desks and metal straws in the staff kitchen, here are the top three high-level strategy tips to implement into your business for a zero-waste approach in 20xx.Conduct an audit on your current waste streamsIt’s easy to introduce a new piece of tech or office rule to cut down on your waste, but without treating your current waste streams like a business system that needs improvement, these efforts will only act as a band-aid on a much larger issue, which is temporary. Take a step back and fully analyse all aspects of where waste is being produced and how it’s being discarded. Are there ways in which you can stop the creation of the waste or re-route to waste in your business to be reused someplaceelse? A great example of this is identifying areas in which you might be over providing resources. Instead of delivering corporate reports and document to every staff member on paper, digitalise it and offer physical copies as a back-up to those who might want them.Designate a role to zero-wasteWhen you’re serious about waste management, it’s going to be a no-brainer to delegate this work to an existing or new staff member. Having someone (or even a committee!) who always have zero waste on their minds is going to fill in any blanks that might have been missed during your audit and ensure that the new systems being introduced are executed and adopted by staff properly. Knowing that the goal for zero-waste not only comes with the extra added benefits of saving dollars in the long run, it’s also a great initiative for your company’s image and could even be a great PR angle to show that your business is leading the way in real zero-waste implementation.Set your waste reduction goalsOnce you’ve started working with the intention to build a zero-waste business, understand that this might take some time to effectively be implemented (especially in large and established companies). With your waste management employee or team, set realistic goals in-house for you to aim for to one day when the company becomes completely zero-waste! It could be that you want to reachzero-waste by 2025 but have yearly KPIs in place that will build towards that larger, long-term goal. Remember, waste management can be orchestrated on many different levels in the company, and to completely change your current level of waste is not going to happen in one go. Set attainable short, medium and long-term goals, and work towards them!Leading a business that is conscious about their environmental impact and how they manage their waste internally is something that might take time but will construct a foundation for positive growth, and even promote productivity in work output and a reduction in financial expenditure when implemented. Further, with these amazing additions, aiming for zero-waste creates a philosophy within the organization where employees can feel cared for in a society where the average person is concerned about their environmental impact, and that the company they work for is one that promotes sustainability long-term and is on the forefront of eco-consciousness in business.20xx年商务英语考试高级阅读材料二Social Media, the Modern Day Radio of MusicJenna StraussLil Nas X’s “Old Town Road,” featuring Billy Ray Cyrus, continues to rule the Billboard Hot 101 for a record breaking 17th week, dismantling the record for the most time tallied at No. 1 in the chart’s six-decade history. The “Old Town Road” outpaced Luis Fonsi and Daddy Yankee’s“Despacito”, featuring Justin Bieber, and Mariah Carey and Boyz II Men’s “One Sweet Day”, which spent 16 weeks at No. 1 on the Hot 101 in 20xx and 11015-96, respectively. What is even more spectacular than the success of Lil Nas X’s debut record is how it initially gained its traction. The record went viral on TikTok, one of the most popular and most interesting social media apps on the planet, which recently hit one billion downloads across Android and iOS.The success of “Old Town Road” hasn’t just blurred lines in musical genres, but is reshaping the way artists, labels, and marketing executives think about social media and its place in the life cycle of breaking a hit record. As the reach and scale of social media has allowed artists to tap into a global audience, marketing a record in today’s landscape requires executives and management teams to think from a digital first lense. This mindset has become even more critical, as major social media platforms continue to drive music discovery.Consider the lifecycle of artist discovery from the pre-social media age to today. Prior to social, music was discovered pertinently through radio, which due to the difficulty of distribution, labels almost outright controlled. The linear path to breaking a record was clearer when the consumption platforms were less saturated with user generated content and when there were just less platforms overall one could actually pay attention too. Fast forward to today, and social media has opened up adirect to fan communication platform, which has resulted in artists viding for fans’ social currency. Why? The lifecycle of an artist to reaching the gen Z and millennial fan requires the use of social media, from the most popular platform in the world Facebook to emerging platforms like TikTok.For instance, in a recent report from Music Watch, the research firm found that 9 out of 10 social media users do a music-related activity within the framework of an app. More specifically, the report found that Instagram leads the way, with 56 percent of users following, sharing or tagging musicians; Twitter comes next, with 51 percent; and Facebook has 44 percent of respondents liking a musician or artist – a number that rises to 47 percent among daily users. Among Snapchat users, 68 percent viewed or posted photos from live music events, while 23 percent captioned their posts with song lyrics.With that in mind, every artist campaign needs to focus on not only creative content that puts an act above the cat in your Instagram feed, but also how this content can be easily shared. Sharing to earn social currency, is the most direct path to building a hit record in today’s music discovery ecosystem. Is your single or album release ready?20xx年商务英语考试高级阅读材料三Uber and Lyft Are Actually Making Traffic Worse in Some CitiesLydia DishmanIt was a big promise to build an entire business on. But for the last handful of years, both Uber and Lyft have capitalized on the notion that by providing rides to people on demand via an app, traffic and pollution would be mitigated – especially in major urban centers. New research from both the ride-hailing juggernauts now suggests that’s not the case.A joint analysis led by transportation consultancy Fehr Peers examined Uber’s and Lyft’s combined mileage in September 20xx in the metro areas of Boston, Chicago, Los Angeles, San Francisco, Seattle, and Washington, D.C. New York City wasn’t studied because of its vast public transportation system.The results (which include city centers and their surrounding suburbs) reveal that, overall, Uber and Lyft make up just 1% to 3% of vehicle miles overall in the six metro areas. However, in places like San Francisco county, Uber and Lyft account for as much as 13.4% of all vehicle miles. It’s 8% in Boston, and 7.2% in Washington, D.C.. On average, between the six cities, as much as 62% of miles driven had a passenger. The rest were drivers on their way to pick up someone or just driving around between getting booked for a ride.However, both Uber and Lyft are justifiably pointing their fingers toward the biggest cause of traffic and emissions: privately owned and commercial vehicles. Those account for 87% to 101% of total miles in the six areas studied.Lyft’s chief policy officer, Anthony Fox.x (a former U.S. secretary of transportation), says this is a good time to consider congestion pricing to ease traffic, as is being implemented in Manhattan. Fox.x is pushing for a democratic approach to this. “The most effective congestion pricing model is one that applies to all vehicles on the road, including private automobiles, ridesharing, and commercial vehicles such as truc。
2020年商务英语(BEC)高级阅读试题及答案(卷五)
2020年商务英语（BEC）高级阅读试题及答案（卷五）Read the text about career-planning services.Choose the best sentence from the opposite page to fill each of the gaps .For each gap 9–14, mark one letter (A-H) on your Answer Sheet .Do not use any letter more than once .There is an example at the beginning .(0)Your Career Path Can Lead You AnywhereWe used to be advised to plan our careers. We were told to make a plan during the later stages of our education and continue with it through our working lives.(0)_____ some people still see careers in this way. However, to pursue a single option for life has always been unrealistic.Planning for a single career assumes that we set out with a full understanding of our likes and dislikes and the employment opportunities open to us. (9)____ For most people this degree of certainty about the future does not exist.Our initial choice of career path and employer is often based on inadequate knowledge and false perceptions. But with age and experience, we develop new interests and aptitudes and our priorities alter. The structure of the employment market and, indeed of employment itself, is subject to change as both new technologies andnew work systems are introduced (10) _____ We must face the uncertainties of a portfolio career.It is clear from the recent past that we cannot foresee the changes which will affect our working lives. The pace of change is accelerating , asa result of which traditional career plans will be of very limited use.(11)_____ They will need updating to reflect changes in our own interests as well as in the external work environment. Flexible workers already account for about half the workforce. (12)______ We are likely to face periods as contract workers, self-employed freelances, consultants, temps or part-timers.Many employers encourage staff to write a personal development development (PDP) (13)_____ Although some people use it only to review the skills needed for their job, a PDP could be the nucleus of wider career plan –setting out alternative long-term learning needs and a plan of self-development.A report issued by the Institute of Employment Studies advises people to enhance their employability by moving from traditional technical skills towards the attainment of a range of transferable skills.(14)_____ Instead, special schemes should be established to encourage people to examine their effectiveness and to consider a wider range of needs.0 A B C D E F G HA This dual effect means that the relationship between employers and workers has evolved to such and extent that we can no longer expect a long-term relationship with one employer.B. It carries an implicit assumption that we ourselves, and the jobs we enter, will change little during our working lives.C. This growth suggests that a career plan should not be expressed only in terms of full-time employment but should make provision for the possibility of becoming one of the.D this is a summary of one’s personal learning needs and an action plan to meet them.E Consequently, they must now accommodate a number of objectives and enable us to prepare for each on a contingency basis.F However, it warns that employers often identify training needs through formal appraisals, which take too narrow a view of development.G . Such a freelance of consultant would be constantly in demand.H We were expected to work towards that one clear goal and to consider a career change as a bad thing.答案:9 B 10 A 11E 12C 13D 14F9.本段是说在职业生涯中设立一个单独的目标的影响。
2020年商务英语考试BEC高级资料阅读试题
2020年商务英语考试BEC高级资料阅读试题6、Questions 9--14Read this text taken from an article about how the accountants influence the decisionsChoose the best sentence to fill each of the gaps.For each gap 9--14, mark one letter (A--H) on your Answer Sheet.Do not use any letter more than once.There is an example at the beginning, (0).A．The term of the contract is very important.B．Having decided on the form of contract then, the finance department comes into the picture in assessing and analyzing the structure of the deal.C．Other possible forms of contract that could be considered are production house deals where a specialist company agrees to supply a number of artists to the record company.D．Firstly, it must be decided what form the contract is going to take.E．However, for the very few artists that the record companies successfully "break"then there is big money to be made and it is therefore vital that any proposed deal undergo a thorough financial analysis to ensure that the company is not over-committed.F．Contrary to popular myth that it is easy to make money in the music business, most artists actually lose money for the recording companies.G．Importance should be attached to both the term and form of the contract.H．In the recording industry this usually means working out the effect on company profits of the fine print in a recording contract根据以上资料请回答第9题：_________.7、What is created by both a competent first offer/demand and “primacy” in a courtroom trial?填空题8、__________简答题9、International sales： how to research foreign markets effectively10、。
2020上半年高级商务英语考试阅读练习(最新)
When it to selecting candidates through interview, more often than not the decision is made within the first five minutes of a meeting. Yet employers like to (21) themselves that they are being exceptionally thorough in their selection processes. In toda y’s competitive market place, the (22) of staff in many organizations is fundamental to the company’s success and, as a result , recruiters use all means at their disposal to (23) the best in the field.One method in particular that has (24) in popularity is testing , either psychometric testing, which attempts to define psychological characteristics , or ability￡aptitude testing (25) an organization with an extra way of establishing a candidate’s suitability for a role. It (26) companies to add value by identifying key elements of a position and then testing candidates to ascertain their ability against those identified elements.The employment of psychometric or ability testing as one (27) of the recruitment process may have some merit, but in reality there is no real (28), scientific or otherwise, of the potential future performance of any individual. The answer to this problem is experience in interview techniques and strong definition of the elements of each position to be (29) as the whole recruitment process is based on few real certainties, the instinctive decisions that many employers make, based on a CT and the first five minutes of a meeting, are probably no less valid than any other tool employed in the (30) of recruitment.21.A suggest B convince C advise D believe22.A worth B credit C quality D distinction23.A secure B relies C attain D achieve24.A lifted B enlarged C expanded D risen25.A provides B offers C contributes D gives26.A lets B enables C agrees D admits27. A portion B member C share D component28. A extent B size C amount D measure29.A occupied B met C filled D appointed30 A business B topic C point D affair 参考答案：21-30 B C A D A B D D C A。
BEC高级商务英语考试阅读练习精选3篇
BEC高级商务英语考试阅读练习精选3篇为了让大家更好的准备商务英语BEC高级考试，给大家带来BEC高级阅读,下面就和大家分享，来欣赏一下吧。
2020上半年高级商务英语考试阅读练习11. This company has been involved in diversifying its business activities.2. Although this company is doing well, it has a number of internal difficulties to deal with3. This company has reduced the profits it makes on individual items4. One statistic is a less accurate guide to this company’s performance than another5. The conditions which have helped this company are likely to be less favourable in the future6. This company’s share price has been extremely volatile over the last twelve months7. This company is likely to be the subject of a takeover bid in the near future8. This company’s performance exemplifies a widely held b eliefA Chemical CompanyMasterson’s interim pre-tax profits growth of 20% was somewhat inflated as a result of the income received from the disposal of several of the company’s subsidiaries. The underlying 8% rise in operating profits is a more realistic gauge of the company’s true progress. However, Masterson’s impending merger with Bentley and Knight and its appointment of a new chief executive should mean that the company will be able to sustain growth for the foreseeable fut5ure. The share price has varied little during the course of the year and now stands at ￡6.75考生如果怕自己错过考试报名时间和考试时间的话，可以免费预约短信提醒，届时会以短信的方式提醒大家报名和考试时间。
2020年商务英语BEC高级阅读理解精选
2020年商务英语BEC高级阅读理解精选The Negotiating Table：You can negotiate virtually anything. Projects, resources, expectations and deadlines are all outcomes of negotiation. Some people negotiate deals for a living. Dr Herb Cohen isone of these professional talkers, called in by companies to negotiate on their behalf . He approaches the art of negotiation as a game because, as he is usually negotiatingfor somebody else, he says this helps him drain the emotional content from his conversation. He is working in a competitive field and needs to avoid being too adversarial. Whether he succeeds or not, it is important to him to make a good impression so that people will recommend him.The starting point for any deal, he believes, is toidentify exactly what you want from each other. More oftenthan not, one party will be trying to persuade the otherround to their point of view. Negotiation requires two people at the end saying ‘yes”. This can be a problem because oneof them usually begins by saying “no”. However, althoughthis can make talks more difficult, this is often just a starting point in the negotiation game. Top management maywell reject the idea initially because it is the safer option but they would not be there if they were not interested.It is a misconception that skilled negotiators are smooth operators in smart suits. Dr Cohen says that one of his strategies is to dress down so that the other side can relate to you. Pitch your look to suit your customer. You do notneed to make them feel better than you but, For example,dressing in a style that is not overtly expensive or successful will make you more approachable. People will generally feel more comfortable with somebody who appears to be like them rather than superior to them. They may not like you but they will feel they can trust you.Dr Cohen suggests that the best way to sell your proposal is by getting into the world of the other side. Ask questions rather than give answers and take an interest in what the other person is saying, even if you think what they are saying is silly. You do not need to become their best friends but being too clever will alienate them. A lot of deals are made on impressions. Do not rush what you are saying---put a few hesitations in , do not try to blind them with your verbal dexterity. Also, you should repeat back to them what they have said to show you take them seriously.Inevitably some deals will not succeed. Generally the longer the negotiations go on, the better chance they have because people do not want to think their investment and energies have gone to waste. However , joint venture can mean joint risk and sometimes , if this becomes too great ,neither party may be prepared to see the deal through . More common is a corporate culture clash between companies, which can put paid to any deal. Even having agreed a deal, things may not be tied up quickly because when the lawyers get involved, everything gets slowed down as they argue about small details.De Cohen thinks that children are the masters of negotiation. Their goals are totally selfish. They understand the decision-making process within families perfectly. If Mumrefuses their request , they will troop along to Dad and pressure him. If al else fails, they will try the grandparents, using some emotional blackmail. They can also be very single-minded and have an inexhaustible supply of energy for the cause they are pursuing. So there are lesson to be learned from watching and listening to children.1. Dr Cohen treats negotiation as a game in order toA put people at easeB remain detachedC be competitiveD impress rivals2. Many people say “no” to a suggestion in the beginning toA convince the other party of their point of viewB show they are not really interestedC indicate they wish to take the easy optionD protect their company’s situation3. Dr Cohen says that when you are trying to negotiate you shouldA adapt your style to the people you are talking toB make the other side feel superior to youC dress in a way to make you feel comfortable.D try to make the other side like you。
【商务英语考试(BEC)】2020上半年高级商务英语考试阅读理解习题
2020上半年高级商务英语考试阅读理解习题【本文概要】我们不需要考虑自己能够走多快，只要知道自己在不断努力向前就行。
停止自己的脚步其实就是自己在为别人让路，同行一条路会让路变得窄，但你的退出却为别人提供了前行的光明大道。
以下为“2020上半年高级商务英语考试阅读理解习题”，！更多相关讯息请关注本文！Look at the statements below and the article about the development of future business leaders on the opposite page.Which section of the article (A, B, C or D) does each statement (1-7) refer to?For each statement (1-7), mark one letter (A, B, C or D) on your Answer Sheet.You will need to use some of these letters more than once.考生如果怕自己错过考试报名时间和考试时间的话，可以免费预约短信提醒，届时会以短信的方式提醒大家报名和考试时间。
1 Managers need to take action to convince high-flyers of their value to the firm.2 Organisations need to look beyond the high-flyers they are currently developing.3 There is a concern that firms investing in training for high-flyers may not gain the benefits themselves.4 Managers need expert assistance from within their own firms in developing high-flyers.5 Firms currently identify high-flyers without the support of a guidance strategy.6 Managers are frequently too busy to deal with the development of high-flyers.7 Firms who work hard on their reputation as an employer will interest high-flyers.The Stars of the FutureA Existing management research does not tell us much about how to find and develop high-flyers, those people who have the potential to reach the top of an organisation. As a result, organisations are left to formulate their own systems. A more effective overall policy for developing future leaders is needed, which is why the London Business School has launched the Tomorrow’s Leaders Research Group (TLRG). The group contains representatives from 20 firms,and meets regularly to discuss the leadership development of the organisations’high-flyers.B TLRG recognises just how significant line managers are in the process of leadership development. Unfortunately, with today’s flat organisations, where managers have functional as well as managerial responsibilities, people development all too often falls victim to heavy workloads. One manager in the research group was unconvinced by the logic of sending his best people away on development courses, ’only to see them poached by another department or, worse still, another firm’. This fear of losing high-flyers runs deep in the organisations that make up the research group.C TLRG argues that the task of management is not necessarily about employee retention, but about creating ’attraction centres’. ’We must help line managers to realise that if their companies are known as ones that develop their people, they will have a greater appeal to high-flyers,’said one advisor. Furthermore,selecting people for, say, a leadership development programme is a sign of commitment from management to an individual. Loyalty can then be more easily demanded in return.D TLRG has concluded that a company’s HR specialists need to take action and engage with line managers individually about their role in the development of high-flyers. Indeed, in order to benefit fully from training high-flyers as the senior managers of the future, firms must actually address the development of all managers who will be supporting the high-flyers. Without this, managers will not be in a position to give appropriate advice. And when eventually the high-flyers do move on, new ones will be needed to replace them. The next challenge will be to find a new generation of high-flyers.首先得搞明白的是这篇文章到底讲的什么。
2020商务英语BEC高级考试阅读试题及答案(4)
2020商务英语BEC高级考试阅读试题及答案（4）The Scientific Approach to RecruitmentWhen it (0) to selecting candidates through interview, more often than not the decision is made within the firstfive minutes of a meeting. Yet employers like to (21) themselves that they are being exceptionally thorough intheir selection processes. In today’s competitive market place, the (22) of staff in many organizations is fundamental to the company’s success and, as a result , recruiters use all means at their disposal to (23) the best in the field.One method in particular that has (24) in popularity is testing , either psychometric testing, which attempts to define psychological characteristics , or ability￡aptitude testing (25) an organization with an extra way ofestablishing a candidate’s suitability for a role. It (26) companies to add value by identifying key elements of a position and then testing candidates to ascertain theirability against those identified elements.The employment of psychometric or ability testing as one (27) of the recruitment process may have some merit, but in reality there is no real (28), scientific or otherwise, of the potential future performance of any individual. The answer to this problem is experience in interview techniques and strong definition of the elements of each position to be (29) as the whole recruitment process is based on few real certainties, the instinctive decisions that many employers make, based on a CT and the first five minutes of a meeting,are probably no less valid than any other tool employed in the (30) of recruitment.Example ：A haveB decideC doD make0 A B C D21.A suggest B convince C advise D believe22.A worth B credit C quality D distinction23.A secure B relies C attain D achieve24.A lifted B enlarged C expanded D risen25.A provides B offers C contributes D gives26.A lets B enables C agrees D admits27. A portion B member C share D component28. A extent B size C amount D measure29.A occupied B met C filled D appointed30 A business B topic C point D affair参考答案： 21-30 B C A D A B D D C A。
2020年BEC剑桥商务英语高级阅读试题及答案(卷一)
2020年BEC剑桥商务英语高级阅读试题及答案（卷一）Another successful yearThe UK-based agricultural and garden equipment group PLT has had another successful year and is looking forward to the future with confidence. The group, which also has distribution and fuel (19),has enjoyed record profits for the fifth year in a (20) . Pre-tax profits for the year (21) March 31 rose by 24 per cent to £4.2 million.Total group sales (22) by five per cent to £155 million, with the agricultural business delivering yet another record (23), despite the somewhat difficult trading (24) in the industry. Sales in the garden equipment (25) were slow in the early months of the year, but increased dramatically in the final quarter.Chairman Suresh Kumar said, ‘It is my (26) that we have continued to grow by (27) our customers well. I am delighted to (28) the continued development of our customer (29) and I would like to thank all our customers for their (30).As well as an increase in customers,our staff numbers also continue to grow. During the year, we have taken(31)58 new employees, so that our total workforce now numbers in excess of 700. All of the staff deserve my praise for their dedication and continued efforts in (32) these excellent results.’The group has proposed a final (33) of 9.4p per share, bringing the total to 13p for the year.19 A commitments B interests C responsibilities D benefits20 A row B series C line D sequence21 A completing B closing C finalising D ending22 A extended B lifted C expanded D climbed23 A display B production C performance D demonstration24 A conditions B features C states D aspects25 A part B division C component D side26 A certainty B thought C belief D idea27 A caring B dealing C providing D treating28 A inform B notify C comment D report29 A source B base C foundation D origin30 A support B favour C assistance D service31 A up B back C on D over32 A winning B gaining C achieving D earning33 A dividend B recompense C return D interest这是一篇总结性的文章，讲述了一个公司一年的业绩状况，形势喜人。
2020商务英语BEC高级考试阅读试题及答案(2)
2020商务英语BEC高级考试阅读试题及答案（2）A.Chemical CompanyMasterson’s interim pre-tax profits growth of 20% was somewhat inflated as a result of the income received from the disposal of several of the company’s subsidiaries. The underlying 8% rise in operating profits is a more realistic gauge of the company’s true progress. However, Masterson’s impending merger with Bentley and Knight and its appointmentof a new chief executive should mean that the company will be able to sustain growth for the foreseeable fut5ure. The share price has varied little during the course of the year and now stands at ￡ 6.75B.Hotel GroupDuring the past year the Bowden Hotel Group has acquired 77 new properties, thus doubling in size . last week thegroup reported pre-tax profits of ￡ 88 million in the first six months of the year, ahead of expectations and helped by a strong performance from its London-based hotels and newly expanded US business. However. There is still some way to go. Integration of the new acquisitions is still not complete and, while the share price has risen recently, major problems with integration have yet to be solved.C.High-tech CompanyThis time last year a share in Usertech was worth justover ￡ 1. six months ago it was worth ￡ 40. today it is priced at under ￡ 8 . if proof were need, here is an illustration of how much of a lottery the technology marketcan be. But some technology companies are fighting back and Usertech is one of them . What has renewed excitement in the company is the opening of its new American offices in Dallas and its ambitious plans to expand its user base in both North and Latin America.D.Building CompanyRenton’s share price has risen gradually over the past year from ￡2.4 to ￡ 3.8 . The company has been successfulin choosing prime location for its buildings and hasbenefited from the buoyant demand for housing. Whilst this demand is expected to slow down somewhat during the next year, investors are encouraged by the company’s decision to move into building supermarkets. Work has already begun on twosites in London, and the company is expected to sign acontract within the next month for building four large supermarkets in Scotland.E.Pottery ManufacturerMilton Dishes has been through a shake-up over the past year. The group, which has been cutting margins and improving marketing, may post a small profit this year. The many members of the Milton family, who between them own 58 percent of the business, have been watching the share price rise steadily and several are looking to sell. Trade rival Ruskin has bought up just over 17 percent of the shares and couldwell be spurred into further action by the signs of arecovery at the firm.PART TWOQuestions9– 14l Read the text about career-planning services.l Choose the best sentence from the opposite page to fill each of the gaps .l For each gap 9– 14, mark one letter (A-H) on your Answer Sheet .l Do not use any letter more than once .l There is an example at the beginning .(0)Your Career Path Can Lead You AnywhereWe used to be advised to plan our careers. We were told to make a plan during the later stages of our education and continue with it through our working lives.(0)_____ some people still see careers in this way. However, to pursue a single option for life has always been unrealistic.Planning for a single career assumes that we set out with a full understanding of our likes and dislikes and the employment opportunities open to us. (9)____ For most people this degree of certainty about the future does not exist.Our initial choice of career path and employer is often based on inadequate knowledge and false perceptions. But with age and experience, we develop new interests and aptitudes and our priorities alter. The structure of the employment market and, indeed of employment itself, is subject to change as both new technologies and new work systems are introduced (10) _____ We must face the uncertainties of a portfolio career.。
2020年商务英语(BEC)高级阅读试题及答案(卷四)
2020年商务英语（BEC）高级阅读试题及答案（卷四）Look at the sentences below and at the five managers’comments on leadership on the opposite pageWhich new item (A, B, C ,D or E) dose each statement 1 –8 refer to ?For each statement ! –8 , make one letter(A, B, C ,D or E) on your Answer Sheet .You will need to use some of these letters more than once .1、Successful leadership involves making sure that employees accept new ideas.2、A good leader can bring success to a company in difficulties3、Leaders should be assessed on the basis of their achievements4、The personalities of good leaders are generally different from those of other managers5、Patience is a valuable quality in a successful leader6、Leaders consider potential changes in what their company does for others7、Good leaders will encourage their staff if their organization is in difficulties8、Leaders need to adapt their behaviour to suit different circumstances9、AMaurizio VernaLong-term, visionary business leaders must be prepared to invest to get what they want for their company. They know when and how to apply pressure and to take risks, when they need to display a more hands-off approach. I have a pretty clear view of my ideal business leader, and of course that’s where I ‘m trying to head: he or she should start up and grow a cash-rich, multi-interest international organization of tremendous strength and depth.BSue TuckerThe pace of technological change, and the rate at which businesses are changing , requires leaders to have a particular aptitude for technology and an understanding of the internet. A lot of people are aware of the opportunities here ,but awareness alone isn’t enough: in a true leader this needs to be coupled with clever marketing, product design and technological innovation, and keeping abreast of everything going on in the company. In fact the acid test , I think , is being able to use all of these skills to turn around a failing company.CCarol GodfreyEffective leaders stand out from the herd. They’re oftenidiosyncratic, even eccentric.They have the confidence to be themselves, and not to adopt the language and attributes of the run-of-the-mill professional managers and accountants. What’s crucial is having the charisma or whatever it is that gives their staff confidence in them, so they can keep everyone on board when they want to make innovations. So often these don’t get off the ground because of lack of leadership, because after all, our response to change is significantly affected by how it’s introduced.E Ana CostaOutstanding leaders understand both tactics and strategy, and are prepared to play a very long game to achieve their objectives. They understand that in negotiations they need the “win-win”concept, because losers risk losing their dignity, which is no good for your long-term business relationship with them. Leaders must stay optimistic, whatever the odds, and keep up morale of their company, even when the going’s tough. It’s important to be very much hands-on, too. A good leader will champion ideas that keep the company in the forefront.参考答案：1-5 C B D C E 6-8 E AQuestions9–14Read the text taken from an article about the development of international managersChoose the best sentence from the opposite page to fill each of the gaps .For each gap 9–14, mark one letter (A-H) on your Answer Sheet .Do not use any letter more than once .There is an example at the beginning .(0)Search for the “worldly –wise”company executivesThe quest for international managers is underway in virtually every industrialized economy , the search has been made urgent by the globalization of world markets and the growth in crossborder mergers and acquisitions. (0) Many firms report being so stretched that they simply do not have enough of the high-quality people they require to lead their their global expansion.Other companies are having difficulties releasing experienced people from existing operations in order to lead new international ventures. There are indications that a shorftage of internationally skilled people may be an important constraint on firms’international ambitions. (9) However, identifying the need for international managers is easier than developing them.So what makes an international manager? Paul Evans, a professor at INSEAD, the European business school, does not believe that any particular nationality produces a more international manager. Neither does he believe that it’s a matter of having the ability to cope with alifestyle that involves working in Madrid one day, London the next and Berlin the day after. (10) Rather, he believes that the secret of being a good international manger is being comfortable with managing diversity.Ford of Europe, which has encouraged the development of international managers for more than 20 years, says that its managers are globally-minded before they become global operators. (11) a car that you buy in the UK, for example, is going to be the same car that sells in Germany, Finland and Portugal, so the people who are involved in the car’s development have to be aware of the market requirements in all those different countries.Generally, it seems that the only effective way to develop international skills and perspectives is through direct international experience. (12) Such experiences open people’s minds to the fact that things are done differently lese where and encourages them to think in a wilder context..Formulating effective strategies for developing a company’s management resource is a demanding exercise, with conflicting issues to be solved (13) Another dilemma is whether to use local managers or expatriates.The recruitment and development of effective international managers requires considerable financial resources and can be hard to justify at budget meetings. (14) however , without them, companies willcontinue to find their expansion plans frustrated by a lack of internationally effective managers.A from the moment they join the company, employees are faced with having to think internationallyB This can be through involvement in international task forces or through living and working abroad.C Should , for example, only an elite few receive international experience in preparation for top jobs or should it be offered to a wider group?D these problems mean that developing managers who think and operate globally is absolutely vital for companies operating in foreign markets.E Language training , overseas visits and in-house management courses are all expensive to implement.F Jet-setting between international operations merely creates a business equivalent of the over-packaged touristG Companies are now emphasizing the human skills involved in managing other peopleH These trends are pushing companies’existing management resources to the limit参考答案：9-10 D F11-14 A B C E1. This company has been involved in diversifying its business activities.2. Although this company is doing well, it has a number of internal difficulties to deal with3. This company has reduced the profits it makes on individual items4. One statistic is a less accurate guide to this company’s performance than another5. The conditions which have helped this company are likely to be less favourable in the future6. This company’s share price has been extremely volatile over the last twelve months7. This company is likely to be the subject of a takeover bid in the near future8. This company’s performance exemplifies a widely held beliefA Chemical CompanyMasterson’s interim pre-tax profits growth of 20% was somewhat inflated as a result of the income received from the disposal of several of the company’s subsidiaries. The underlying 8% rise in operating profits is a more realistic gauge of the company’s true progress. However, Masterson’s impending merger with Bentley and Knight and its appointment of a new chief executive should mean that the company will be able to sustain growth for the foreseeable fut5ure. The shareprice has varied little during the course of the year and now stands at ￡6.75B Hotel GroupDuring the past year the Bowden Hotel Group has acquired 77 new properties, thus doubling in size . last week the group reported pre-tax profits of ￡88 million in the first six months of the year, ahead of expectations and helped by a strong performance from its London-based hotels and newly expanded US business. However. There is still some way to go. Integration of the new acquisitions is still not complete and, while the share price has risen recently, major problems with integration have yet to be solved.C High-tech CompanyThis time last year a share in Usertech was worth just over ￡1. six months ago it was worth ￡40. today it is priced at under ￡8 . if proof were need, here is an illustration of how much of a lottery the technology market can be. But some technology companies are fighting back and Usertech is one of them . What has renewed excitement in the company is the opening of its new American offices in Dallas and its ambitious plans to expand its user base in both North and Latin America.D Building CompanyRenton’s share price has risen gradually over the past year from ￡2.4 to ￡3.8 . The company has been successful in choosing primelocation for its buildings and has benefited from the buoyant demand for housing. Whilst this demand is expected to slow down somewhat during the next year, investors are encouraged by the company’s decision to move into building supermarkets. Work has already begun on two sites in London, and the company is expected to sign a contract within the next month for building four large supermarkets in Scotland.E Pottery ManufacturerMilton Dishes has been through a shake-up over the past year. The group, which has been cutting margins and improving marketing, may post a small profit this year. The many members of the Milton family, who between them own 58 per cent of the business, have been watching the share price rise steadily and several are looking to sell. Trade rival Ruskin has bought up just over 17 percent of the shares and could well be spurred into further action by the signs of a recovery at the firm.参考答案:1 D2 B3 E4 A5 D6 C7 E8 C这种类型的题不过是一个句子换一种说法，关键是看对每一段话的理解。
2020年商务英语考试高级阅读材料(最新)
Easy Money Hacks to Level up Your MoneyDavid CarlsonIt’s always a good idea to conduct regular “money checkups” to make sure you are making the most of your money.To make it a bit more interesting, I like to think of this as “hacking” your mo ney. Small changes can make a big difference.My wife and I were leaving hundreds of dollars on the table each year by putting off reviewing our savings account. By making a small change we literally are making $500+ from interest that we were previously missing out on.Ready to level up your money? Let’s walk through the list of money hacks and see which ones will work for your situation.Check your savings accountPeople love to rip on banks for making billions and billions in profits, but there is one specific thing that millions of people are doing that allows them to profit: keeping their savings in low-yield savings account. The average APY of savings accounts is 0.06%. The rate can be as low as 0.01%. Basically you are getting nothing for your money.I was one of those people.Until recently, I had a rock-bottom interest rate on my savings account. The thing was, this was an emergency fund that I was going to keep in cash long-term. It only makes sense to park it in the savings account with the highest yield.As I outlined in my post switching banks made us $500+ a year. By switching from my TCF savings account that paid 0.01% APY to a CIT Bank savings account that paid 2.30% APY, I essentially gave myself a $500+ year bump in cash flow.Even if you have minimal or no savings right now you probably have a goal of building an emergency fund. Banks make enough money, don’t do them a favor by building and keeping your emergency fund in a savings account with a rock-bottom interest rate.Pay attention to credit card rewardsBefore you even think about taking advantage of credit card rewards you need to make sure you 1) aren’t in credit card debt and 2) don’t put money on your cards that you wouldn’t otherwise spend. If you are in credit card debt it’s important to make paying down that debt a priority. If you tend to charge things to credit cards that you otherwise wouldn’t spend, it probably doesn’t make sense to take advantage of credit card rewards.If you don’t fall in thos e categories, and you pay off your card in full each month, credit card rewards could be a big win. At the very least you should be getting cash back on every purchase (here’s some of the top cash back credit cards). If you take it a step further, though, some of the travel rewards credit cards can be a big win. Not only do many come with good sign-up bonuses, they also sometimes offer perks like free checked bags.If travel rewards sound like something that would benefit you (I know they’ve saved my wife and I thousands on travel), here’s an overview of how they can help you achieve your travel goals.Want something more specific? Here’s how to save money on United Airlines flights and credit cards for American Airlines Miles.Stop ignoring cash back appsBy now you’re probably aware there are a number of cash back apps out there that can save you money. But have you put off actually taking advantage of these money-saving apps?I know I wasn’t on board. It didn’t seem like you could actually save much. But once I saved $20 on a purchase of two pairs of shorts I was hooked.Once you have an account it truly is minimal work. I’ve since saved hundreds with very little effort. Here’s 10+ cash back apps you should consider (including sign-up bonuses if you use our links). I also outlined the exact (super simple) process I go through every time I shop online before pressing “finalize purchase.”Check your subsc riptionsI’m certain I’m not the first person who has recommended you check your subsc riptions. But seriously: have you done it lately?More and more services are becoming subsc ription-based. If you don’t keep up with what you are subsc ribing to, you are likely wasting at least some money on services you don’t use.Go through your last few months of your spend data and identify any recurring charges. Is this a service you still use? And even if you use it, is it worth the cost? Or should you be using the service?This is especially important today with so many streaming platforms.I just cancelled one of the streaming platforms I was subs cribed to when I realized I had four other streaming platforms that I was also paying for. There’s only so much content you can consume.If you love magazines, here’s a hack for getting fr ee ones (not all magazine titles are included, but there is a wide selection). My wife and I get more than five magazine subsc riptions free of charge using this hack.Don’t leave easy money on the table with your employerNot every employer offers “easy money” to its employees, so if you get any of the following perks you absolutely should be taking advantage of them!401(k) or 403(b) matchHealth Savings Account (HSA) matchEmployee Stock Purchase Program (ESPP)These are typically perks that should be fully taken advantage of. For example, with a retirement account match you will rarely see another perk where you can get a dollar or fifty cents for each dollar you put into an account. Take advantage of it!Have a financial adviser? Ma ke sure you aren’t wasting money on feesDo you have a financial adviser? Time to see how much they are costing you.I’m a big fan of financial advisers… when they charge for financial advice, not when they charge ongoing fees to manage your assets.The way many financial advisers charge is a percentage of your assets. For simplicity sake, let’s assume they charge 1% of assets. If you have $300,000 worth of investments that your financial adviser manages, you would pay $3,000 a year to your adviser. This is why many advisers will only work with clients with a minimum amount of assets.I don’t think it’s worth paying that, though. I think financial advisers can give great advice, but I think that advice is what people should be paying for, not ongoing asset management. I am not a Certified Financial Adviser and I cannot give individual investment advice, but I think a majority of people can keep it simple when it comes to investing and do just fine. If needed, get a CFP to analyze your portfolio, but have them do it for a one-time fee. There is no need to pay them ongoing, regular, maintenance fees, especially when these can easily reach thousands of dollars a year.Honorable mentionsCut the interest rate on your debt through refinancing or negotiating with the debt holder.Keep track of your income and expenses automatically using Tiller.Plan your Meals.Do salary research to see if you are getting paid fairly (and have a conversation with your manager if you are not).I hope you enjoyed these money hacks, and I would love to hear any money hacks you would add to the list!。
2020年商务英语(BEC)高级阅读试题及答案(卷三)
2020年商务英语（BEC）高级阅读试题及答案（卷三）Is there any place in the world’s biggest and fastest-growing industry for someone starting up in business on their own? The answer, it seems, is a definite ‘yes’. __H__. As the holiday and tourist business is growing by at least 10 percent a year, the prospects for small independent travel agents with flexible markets and low overheads have never been so bright.No wonder next year will see a record number of independent start-ups –at least 10,000, according to one estimate. __9__. They will benefit from computer technology, which means they on longer need retail shops in order to operate as travel agents. At least 50 per cent of independent operators are already home-based, linked by computer to booking centers, ticket wholesalers and database services, which can cut prices by half, compared to the main travel agent chains. __10__. If they do, these dynamic independents BECome like mini tour operators, creating their own packages from other people’s holidays, rather than just selling a standard holiday out of a brochure for only 10 per cent commission.The biggest problem with running your own travel company can be to generate enough income to make it possible to apply for a license to sell air tickets direct. __11__. However, many independents are quite happy with this system. The brokers are fully bonded and therefore yourcustomers are well protected. At the same time, you can still get good rates of commission. Even part-time agents securing around ten bookings a month can earn around $1,000 a month. __12__.An even greater income than that is possible with the right kind of specialization. Business and sports travel are particularly lucrative. __13__. One way to get this kind of deal can be to approach companies in your area direct and offer to cater for their corporate and leisure travel needs. You may be able to improve on their existing deals, especially if they are currently dealing with one of the larger travel companies. __14__. In fact, your only problem may well turn out to be that you become so successful selling holidays you never have time to take one yourself!A Such big companies may have 75 per cent of the travel business, but there’s plenty left for the smaller operator, particularly if they specialize.B This could be five times as much if you make it your only job.C Their low overheads should mean they are able to undercut their competitors.D These will range from part-timers to full-time freelance travel brokers.E Otherwise you have to work through brokers and computerized distributors who all take their cut of the profit.F Even so, you need to ensure the staff have the right training.G For example, there are agents offering exotic conference locations or parachuting in the desert.H In fact, there’s never been a better time to try your luck in the travel trade.使用返指方法一：9，11，14。
2020BEC高级阅读精选两篇
2020BEC高级阅读精选两篇为了让大家更好的准备商务英语BEC高级考试，给大家带来BEC高级阅读,下面就和大家分享，来欣赏一下吧。
一、BEC高级阅读：All I Ever DreamBack when I was a child, before life removed all the innocence My father would lift me high and dance with my mother and me and thenSpin me around ?til I fell asleep.Then up the stairs he would carry meAnd I knew for sure I was loved.If I could get another chance, another walk, another dance with him,I?d play a song that would never, ever end.How I?d love, love, loveTo dance with my father again.When I and my mother would disagreeTo get my way, I would run from her to him.He?d make me laugh just to comfort me,Then finally make me do just what my mama said.Later that night when I was asleep,He left a dollar under my sheet,Never dreamed that he would be gone from me.If I could steal one final glance, one final step, one final dance with him,I?d play a song that would never, ever end,?Cause I?d love, love, loveTo dance with my father again.Sometimes I?d listen outside her door,And I?d hear how my mother cried for him.I pray for her even more than me.I pray for her even more than me.I know I?m praying for much too much,But could you send back the only man she loved.I know you don?t do it usuallyBut dear Lord she?s dying.To dance with my father again,Every night I fall asleep and this is all I ever dream.二、BEC高级阅读：How Will UN Court Affect OtherIn February of two thousand eight, Kosovo declared its independence from Serbia. Now the top United Nations court says Kosovos declaration was legal. Hisashi Owada, president of the International Court of Justice in The Hague, read the opinion.HISASHI OWADA: "The court considers that general international law contains no applicable prohibition on declarations of independence."Kosovos Foreign Minister Skender Hyseni called the ruling on Thursday great news, and not just for Kosovo.SKENDER HYSENI: "This is a great news for the peace and stability in the region of western Balkans. This is a great news for Europe."Serbia had asked the court for its opinion. Now Serbia is sending diplomats to fifty-five countries. Their job: try to block efforts by Kosovo to gain further recognition.Serbias Foreign Minister Vuk Jeremic says the ruling will not change his country’s position.VUK JEREMIC: "Serbia will never under any circumstances recognize the unilateral declaration of independence of theso-called Republic of Kosovo."Ian Bancroft is the co-founder of TransConflict, a humanitarian organization working in the western Balkans. Speaking from Belgrade, he said the ruling sends a message about international law.IAN BANCROFT: "Therefore, any secessionist movement, no matter where it is in the world, will look towards this and gain some encouragement that they too can pursue this path."But Kurt Volker, former American ambassador to NATO, the North Atlantic Treaty Organization, is not so sure what will happen.KURT VOLKER: "I dont think this is going to have that big an effect on either side, whether its the states who want to maintain their territorial integrity against the aspirations of some of theirown indigenous people or, for that matter, movements that want to seek their own independence and freedom."Mr. Volker says "those desires are already going on," and will continue independent of the decision.The judges on the International Court of Justice, sometimes called the World Court, voted ten to four. The ruling is non-binding; it does not have legal force.Sixty-nine countries have already recognized Kosovo. These include the United States, Japan and most of the European Union.Serbias main ally Russia has recognized the self-declared independence of South Ossetia and Abkhazia in Georgia. But Russia does not recognize Kosovo. Nor does another permanent member of the United Nations Security Council, China.In Washington, the State Department welcomed the ruling. It urged Europe to "unite behind a common future." But spokesman P.J. Crowley said it is too soon to discuss withdrawing the NATO-led international security force in Kosovo.Kosovo was a Serbian province that became a United Nations protectorate in nineteen ninety-nine. That followed seventy-eight days of NATO bombing against Serbia. The campaign ended atwo-year war between Serbia and the ethnic Albanian majority in Kosovo.The advisory opinion from the court will go to the United Nations General Assembly. A debate on Kosovo is expected in September.On Friday, in a separate development, police in Kosovo arrested the head of the countrys central bank. The arrest was part of a continuing series of corruption investigations of officials.And thats IN THE NEWS in VOA Special English. What effect do you think the Kosovo ruling will have around the world? You can comment at voaspecialenglish or on Facebook and Twitter at VOA Learning English. Im Steve Ember.。
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Easy Money Hacks to Level up Your MoneyDavid CarlsonIt’s always a good idea to conduct regular “money checkups” to make sure you are making the most of your money.To make it a bit more interesting, I like to think of this as “hacking” your mo ney. Small changes can make a big difference.My wife and I were leaving hundreds of dollars on the table each year by putting off reviewing our savings account. By making a small change we literally are making $500+ from interest that we were previously missing out on.Ready to level up your money? Let’s walk through the list of money hacks and see which ones will work for your situation.Check your savings accountPeople love to rip on banks for making billions and billions in profits, but there is one specific thing that millions of people are doing that allows them to profit: keeping their savings in low-yield savings account. The average APY of savings accounts is 0.06%. The rate can be as low as 0.01%. Basically you are getting nothing for your money.I was one of those people.Until recently, I had a rock-bottom interest rate on my savings account. The thing was, this was an emergency fund that I was going to keep in cash long-term. It only makes sense to park it in the savings account with the highest yield.As I outlined in my post switching banks made us $500+ a year. By switching from my TCF savings account that paid 0.01% APY to a CIT Bank savings account that paid 2.30% APY, I essentially gave myself a $500+ year bump in cash flow.Even if you have minimal or no savings right now you probably have a goal of building an emergency fund. Banks make enough money, don’t do them a favor by building and keeping your emergency fund in a savings account with a rock-bottom interest rate.Pay attention to credit card rewardsBefore you even think about taking advantage of credit card rewards you need to make sure you 1) aren’t in credit card debt and 2) don’t put money on your cards that you wouldn’t otherwise spend. If you are in credit card debt it’s important to make paying down that debt a priority. If you tend to charge things to credit cards that you otherwise wouldn’t spend, it probably doesn’t make sense to take advantage of credit card rewards.If you don’t fall in thos e categories, and you pay off your card in full each month, credit card rewards could be a big win. At the very least you should be getting cash back on every purchase (here’s some of the top cash back credit cards). If you take it a step further, though, some of the travel rewards credit cards can be a big win. Not only do many come with good sign-up bonuses, they also sometimes offer perks like free checked bags.If travel rewards sound like something that would benefit you (I know they’ve saved my wife and I thousands on travel), here’s an overview of how they can help you achieve your travel goals.Want something more specific? Here’s how to save money on United Airlines flights and credit cards for American Airlines Miles.Stop ignoring cash back appsBy now you’re probably aware there are a number of cash back apps out there that can save you money. But have you put off actually taking advantage of these money-saving apps?I know I wasn’t on board. It didn’t seem like you could actually save much. But once I saved $20 on a purchase of two pairs of shorts I was hooked.Once you have an account it truly is minimal work. I’ve since saved hundreds with very little effort. Here’s 10+ cash back apps you should consider (including sign-up bonuses if you use our links). I also outlined the exact (super simple) process I go through every time I shop online before pressing “finalize purchase.”Check your subsc riptionsI’m certain I’m not the first person who has recommended you check your subsc riptions. But seriously: have you done it lately?More and more services are becoming subsc ription-based. If you don’t keep up with what you are subsc ribing to, you are likely wasting at least some money on services you don’t use.Go through your last few months of your spend data and identify any recurring charges. Is this a service you still use? And even if you use it, is it worth the cost? Or should you be using the service?This is especially important today with so many streaming platforms.I just cancelled one of the streaming platforms I was subs cribed to when I realized I had four other streaming platforms that I was also paying for. There’s only so much content you can consume.If you love magazines, here’s a hack for getting fr ee ones (not all magazine titles are included, but there is a wide selection). My wife and I get more than five magazine subsc riptions free of charge using this hack.Don’t leave easy money on the table with your employerNot every employer offers “easy money” to its employees, so if you get any of the following perks you absolutely should be taking advantage of them!401(k) or 403(b) matchHealth Savings Account (HSA) matchEmployee Stock Purchase Program (ESPP)These are typically perks that should be fully taken advantage of. For example, with a retirement account match you will rarely see another perk where you can get a dollar or fifty cents for each dollar you put into an account. Take advantage of it!Have a financial adviser? Ma ke sure you aren’t wasting money on feesDo you have a financial adviser? Time to see how much they are costing you.I’m a big fan of financial advisers… when they charge for financial advice, not when they charge ongoing fees to manage your assets.The way many financial advisers charge is a percentage of your assets. For simplicity sake, let’s assume they charge 1% of assets. If you have $300,000 worth of investments that your financial adviser manages, you would pay $3,000 a year to your adviser. This is why many advisers will only work with clients with a minimum amount of assets.I don’t think it’s worth paying that, though. I think financial advisers can give great advice, but I think that advice is what people should be paying for, not ongoing asset management. I am not a Certified Financial Adviser and I cannot give individual investment advice, but I think a majority of people can keep it simple when it comes to investing and do just fine. If needed, get a CFP to analyze your portfolio, but have them do it for a one-time fee. There is no need to pay them ongoing, regular, maintenance fees, especially when these can easily reach thousands of dollars a year.Honorable mentionsCut the interest rate on your debt through refinancing or negotiating with the debt holder.Keep track of your income and expenses automatically using Tiller.Plan your Meals.Do salary research to see if you are getting paid fairly (and have a conversation with your manager if you are not).I hope you enjoyed these money hacks, and I would love to hear any money hacks you would add to the list!。