Planning is 41___ (importance) in almost anything you do. No matter what you are doing, taking the time to plan ahead can help you reach your goal. The purpose of insurance is to help you plan for 42___ (expected), costly emergencies. Probably, the most important kind of insurance is 43___ (medicine) insurance. Medical insurance can be very expensive. The cost for this kind of insurance is going up. Like most people, you may not be 44___ (ability) to afford all of the insurance you might need. Many people think that if you could only 45___ (affordable) one kind of insurance, you should buy health insurance. If you can afford only a small quantity of health insurance, it is best to 46___ (insurance) yourself against the big unexpected costs and pay the smaller common 47___ (bill) yourself. There are different kinds of insurance you can get. Hospital Expense insurance will pay for any costs you get while having to be in a hospital. Surgical Expense insurance will pay for the doctor to 48___ (operation) on you. 49___(regularity) Medical insurance will pay for any non-surgical  50___(treat). 

Remaining Active

Our body is an amazing object. 26________ If you are inactive most of the time, your body will quickly become tired when it should be active. But if you are very active, your body will get used to the hard work, and the work will become easier for you to do.

Physical activity can help people remain active and stay healthy.27 ________ It also helps people sleep better. This is why active students don't complain about being tired. They have a good night's sleep and have the energy to study hard and have fun every day.

Physical activity also makes people look and feel good. Activity burns more calories（卡路里） than just sitting. 38________ In addition, regular exercise can make your muscles and bones stronger. There are many factors to look at when you select a new physical activity. The most important is to choose something you enjoy. If you like jumping rope, that is the activity you should do. 29________ In fact, two days of basketball, three days of swimming, and two days of bicycling can be more fun than jogging every day.

30 ________ Some skills will improve with practice while others may always be difficult for you. If you enjoy an activity, feel free to do it. No one cares whether you can do it well or not, and you don't need to care about it either. Whatever activity you choose, remain active. It can make you physically fit and healthy for life.

How to Make Your House More Energy-efficient

Using less energy around the home is easier than you might think, saving your money while creating a healthier, more comfortable living space for you and your family. Changing a few old habits can make an impact on your energy bill, your comfort and the environment. Here are some handy tips to make your house more energy-efficient.

1 If your home has adjustable central heating, lowering the room temperature even slightly can make a difference. You may not feel it, but your wallet will. It is even more advisable to control temperatures at different times of the day.

2 If the weather allows it, head outside and dry your laundry on a clothesline. The sunlight will help eliminate bacteria and dust. While clothes dryers get the job done faster, they also use up energy. By hanging your clothes out you’ll be cutting greenhouse gases by about three kilograms per load.

3 Installing large windows on the northern side of your house can help you make use of sunlight’s natural warmth. To stay cool indoors on hot summer days, install blinds（百叶窗）to block the heavy sun. Put your desk near the window, then you don’t need a lamp in the daytime.

4 Be sure your hot-water pipes are properly wrapped. In an average home heating water accounts for more than one-quarter of the energy bill. Why let warmth go to waste before it reaches you?

5 When the time comes to replace appliances, select those that are both energy-efficient and of the appropriate size for your needs. Don’t buy bigger ones just because you can.