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Lower Risk with the Potential for High Returns—NOW
You Can Have the Best of Both Worlds
in Investment Portfolio Fund!
To reduce the risk of exposing your money to the ups and downs of direct investment into shares，your money will be spread across a wide range of investments from all over the world with the aim of achieving steady long term growth．This has always been the aim of our long established and highly successful Investment Portfolio Fund，made up of a balanced selection of different investments as explained by the chart below．
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To manage these investments，we rely on no less than five leading fund managers with proven expert skill as specialist in their chosen investment fields. With their different approaches to investment, these five fund managers have been specially selected by Marks and Spencer Financial Services as we believe they will exchange their opinion with each other perfectly in meeting our overall aim for the fund of consistent growth. This balanced management approach, not only gives the potential to achieve better results than market averages in individual industry but also allows quick reactions to protect your interests in the event of market downturns.
So who are the fund managers selected to look after your Investment Portfolio Investment and what exactly will they be doing on your behalf?
BARCLAYS GLOBAL INVESTORS LTD
BGI have been chosen to track the FTSE A1l Share Index (指数)．For this，they have put together a portfolio of shares which closely resembles the UK equity market as a whole．
BAILLE GIFFORD
EBG will be looking for companies that can offer excellent growth chances．
GMO WOOLLEY LTD
Their expert skill is in finding companies which they believe are valued at less than they are worth．In this，they have developed advanced research methods to identify under-valued companies．
CLAY FlNLAY
By looking at global political and economic trends as well as individual companies，Clay Finlay can identify international market opportunities and especially select companies with strong growth chances．
ROTHSCHILD ASSET MANAGEMENT
Rothschild aims to add stability and income to the Fund by investing in government bonds(公债)and other fixed interest securities．
And with Marks&Spencer Financial Services, you'll also have the reassurance that your interests will be looked after by a name you know you can really trust for quality，honesty and value every step of the way．
It all adds up to a tremendous opportunity for savers looking for a lower risk way to make more of their money with the extra boost to their profit potential of saving tax free through an ISA，so what are you waiting for?
1．The text is most likely to be found in ．
A．a scientific research report B．a travel magazine
C．a weekly newspaper D．a geography textbook
2．Who will be most interested in reading the advertisement?
A．Accountants． B．Students．
C．Investors． D．Professors．
3．What is the function of Investment Portfolio Fund?
A．Exposing your money to the ups and downs of the direct investment into shares．
B．Helping lower risk with the potential for higher returns．
C．Hiring no less than five leading fund managers．
D．Giving a detailed description of balanced management requirement．
4．Which of the following statements is NOT true according to the text?
A．The five fund managers with different approaches to investment can cooperate with each other perfectly．
B．Marks&Spencer Financial Services reassure the investors that their interests will be well 1ooked after．
C．Clay Finlay can identify international market opportunities and especially select companies with strong growth chances．
D．Gmo Woolley will be looking for companies that can offer excellent growth chances.
When Major Mary Jennings Hegar was serving as a captain in Afghanistan, her aircraft was shot down by enemy fire while she and her crew were taking back injured soldiers. Though injured, she completed the rescue mission (任务) while under fire on the ground and received the Purple Heart and the Distinguished Flying Cross for “outstanding heroism and selfless devotion to duty.”
However, Hegar did not get prizes for serving in combat (战斗), for it is illegal for women to be in official combat(作战) positions and to get the benefits that come with them. Hegar and three other service women filed a lawsuit(诉讼) in federal court in San Fransico on Nov. 27 in a long-overdue challenge to the Pentagon's (五角大楼) ban.
Many military women who constitute 14% of the 1.4 million active members of the military object to the policy because it stops them from applying for some 238,000 jobs and excludes (排除) them from certain promotions. It is particularly unfair because it doesn't protect women in service. Fully 85% of women, who have served since Sept.11, report having served in a combat zone or an area where they were faced with combat or immediate danger according to the lawsuit, and half reported being involved in combat operations. At least 860 female troops have been wounded and 144 killed in the Iraq and Afghanistan wars.
The ban does another bad thing: drive talented women out of service. Hegar says she is asked to leave the Air National Guard for a Reserve Liaison position because she is excluded(不包括，排除) from jobs she would like to apply for. Another woman who is suing, Captain Alexandra Zoe Bedell who was sent twice to Afghanistan, left active duty last year, because of the combat exclusion policy.
It is hard to see how the Pentagon could meet this burden. Clearly, women are capable of taking challenging, dangerous combat assignment, because as the careers of Hegar and others like her have shown they are doing it now. The Pentagon's policy is based on “outdated idea of women”, just the sort of thing the Constitution forbids.
But the Pentagon should not wait for the courts to order it to treat female service members equally. There can be little doubt that a court will eventually do just that and little doubt that, in the very near future, the no-combat rule, like the racial segregation (隔离) of troops and “Don't ask, don’t tell,” will seem like an ancient relic (遗物) of unenlightened (愚昧无知的) times.What can we know about Major Mary Jennings Hegar from the first paragraph?
| A．She failed in the rescue mission. |
| B．Her deeds were awarded by authorities |
| C．While taking back the injured soldiers some crew died. |
| D．When she was serving as a captain her aircraft crashed. |
The underlined word “constitute” in the fourth paragraph means_______ .
| A．take up | B．make up | C．set up | D．build up |
Many military women objected to the policy mainly because _______ .
| A．it had an effect on women’s rights |
| B．it was unfair to protect women in service |
| C．it prevented them from some jobs and promotions |
| D．it was opposed to women’s volunteering for combat |
What does the writer want to tell us in the last two paragraphs?
| A．Pentagon should stop the ban immediately. |
| B．Pentagon will not obey the court's decision. |
| C．Pentagon should have more women soldiers. |
| D．The public should be patient with the Pentagon. |
With a large part of the world's population living close to the oceans, rising sea levels bring the potential for destructive (破坏性的)results. But scientists are still unable to make predictions exact enough for people to plan to handle the loss of land and the threat to coastal communities expected over this century.
“We know sea level is going to rise, but how much, and how fast, and where, we really still don’t know," said Josh Willis, a climate scientist.
The ocean isn't like water in a bathtub. It doesn’t rise all the same as more water pours in. As global warming raises sea levels, some places are expected to see higher-than-average increases, and a few places, may even see decreases.
It’s reported that over the course of this century, sea levels will rise between 8 inches and 6.6 feet around the planet. Scientists know this increase will be driven by the expansion of water as it warms—warmer water takes up more space—and the melting of ice. But the effects of warming water and melting ice on sea-level rise are expected to vary from area to area. And the melting of ice of the Antarctic and Greenland presents the largest uncertainty for the future, but air, land and water also play roles in changes to sea level. For example, sea level near the ice getting melt actually decreases, because the ground under the melting ice rises as the heavy ice disappears.
Climate change is expected to change ocean currents and the winds that help drive ocean currents. These changes will affect the distribution of heat within the oceans, and, as a result, affect changes in sea level.
Nowadays, scientists use two types of models to make predictions about the future of sea levels, but the two don’t agree. If scientists can't accurately predict sea-level increase for the coming years, the least we can do is measure what happening today with the help of the satellite, Jason-2, but it’s reaching the end of its operational life. The first paragraph implies that_______ .
| A．the rising sea levels mainly happens near the coast |
| B．people living in coastal communities have to move |
| C．scientists have ways to handle the rising sea levels |
| D．coastal cities are easily affected by the rising sea levels |
What does the writer mean by saying "The ocean isn’t like water in a bathtub" in the third paragraph?
A. The rising sea level is hard to tell.
B. The ocean can be easily controlled.
C The ocean isn’t equal to a bathtub in size.
D. There is too much water for us to control.According to the text, which of the following shows the right cause and effect?
①climate change;
②ocean currents;
③the winds;
④changes in sea level;
⑤the distribution of heat
| A．①→⑤→③→④→② | B．①→③→②→⑤→④ |
| C．③→④→⑤→②→① | D．①→⑤→③→②→④ |
What problems will scientists meet with in predicting future climate changes?
| A．It's too difficult to measure what's happening. |
| B．Types of models for prediction are difficult to set up. |
| C．There will probably be no satellites to help the scientists. |
| D．There aren’t enough scientists studying the changes of sea levels. |
Maybe you don’t think animals have certain mental powers which human beings do not have. But the truth is that some of them have instincts, and besides this, I am sure they can feel certain things we humans cannot. A personal experience showed me this.
Some years ago, I had a dog named Howard. From the time when he was a puppy, he was timid, so we named him Howard, sounding like “coward”! He was especially afraid of thunderstorms. At the first flash of lightning or crash of thunder, he would run whining into his house and hide under a table.
I often went for a walk with Howard. Once, as we were walking along a road, it began to rain. I quickly ran to a bus stop for shelter. The bus stop had a roof supported by metal poles. Soon after I had got there, Howard caught my trousers in his teeth and tried to pull me away. At first I was puzzled and a little angry at his behavior. But I decided to humor him and walked away from the shelter into the rain and started to go home.
When I was about two hundred metres from the shelter, there came a flash of lightning and soon after, there was thunder which nearly deafened me. Howard stopped walking and began whining. Thinking he was afraid, I bent to pick him up. As I straightened up, I glanced at the bus shelter we had just left. I was shocked to see that two of the poles were bent and the roof was lying on the ground, broken. The shelter had been struck by the bolt of lightning!The author named his dog Howard mainly because of_______.
| A．his timid characteristic |
| B．one of the author’s friends Howard |
| C．his loud sound |
| D．his strange behaviors |
The reason why the author was puzzled and angry with the dog was that .
| A．Howard had a strange behavior |
| B．Howard should be afraid of the metal poles |
| C．Howard should know the approaching of the terrible lightning |
| D．Howard bit his trousers in his teeth |
Which of the following is true according to the passage?
| A．Dogs are cleverer and better than men. |
| B．Dogs are usually afraid of thunderstorms. |
| C．Some animals can feel certain things humans cannot. |
| D．Dogs are naturally born heroes. |
What can be inferred about the bus shelter from the passage?
| A．It was about 200 meters from the author’s home. |
| B．It was destroyed in a rainy day. |
| C．Its roof was supported by wood poles. |
| D．It could produce blinding flash of lightning. |
Sometimes you’ll hear people say that you can’t love others until you love yourself. Sometimes you’ll hear people say that you can’t expect someone else to love you until you love yourself. Either way, you’ve got to love yourself first and this can be tricky. Sure we all know that we’re the apple of our parents’ eyes, and that our Grandmas think we’re great talents and our Uncle Roberts think that we will go to the Olympics. But sometimes it’s a lot harder to think such nice thoughts about ourselves. If you find that believing in yourself is a challenge. It is time you build a positive self-image and learn to love yourself.
Self-image is your own mind’s picture of yourself. This image includes the way you look, the way you act, the way you talk and the way you think. Interestingly, our self-images are often quite different from the images others hold about us. Unfortunately, most of these images are more negative than they should be. Thus changing the way you think about yourself is the key to changing your self-image and your whole world.
The best way to defeat a passive self-image is to step back and decide to stress your successes. That is, make a list if you need to, and write down all of the great things you do every day. Don’t allow doubts to occur in it.
It very well might be that you are experiencing a negative self-image because you can’t move past one flaw or weakness that you see about yourself. Well, roll up your sleeves and make a change of it as your primary task. If you think you’re silly because you aren’t good at math, find a tutor. If you think you’re weak because you can’t run a mile, get to the track and practice. If you think you’re dull because you don’t wear the latest trends, buy a few new clothes. But remember, just because you think it doesn’t mean it’s true.
The best way to get rid of a negative self-image is to realize that your image is far from objective, and to actively convince yourself of your positive qualities. Changing the way you think and working on those you need to improve will go a long way towards promoting a positive self-image. When you can pat（拍）yourself on the back, you’ll know you’re well on your way. Good luck!You need to build a positive self-image when you _________.
| A．have a high opinion of yourself | B．feel it hard to change yourself |
| C．dare to challenge yourself | D．are unconfident about yourself |
According to the passage, our self-image__________.
| A．are often changeable | B．are probably untrue |
| C．have positive effects | D．have different functions |
How should you change your self-image according to the passage?
| A．To change the way you think. |
| B．To make your life successful. |
| C．To understand your own world. |
| D．To keep a different image of others |
Who are the intended readers of the passage?
| A．People in general. | B．Parents. |
| C．Educators. | D．Adolescents |
“If music is the medicine of the soul(灵魂), let it play on,” said a famous person. I think he said so because probably he got some help from music. Music has some strange abilities. Medical scientists have found that a person that feels stressed can actually listen to some kind of music and become well.
The researchers said that since stress comes as a result of life events such as starting a new family, starting a new business, and starting a new job, one can actually listen to good music and feel good because good music touches the human mind in a positive way. Music helps you to forget the life events that make you worried and remember the important events that once happened in your life.
Depression(抑郁) is a disease cause by stress, smoking, social problems and so on. Depression is also caused by problems such as failure in business. Depression may bring us weakness, headache, and loss of concentration. Good music makes one remember happy moments or good days. If you play music about love, it makes you feel like falling in love again though you may have had several upset experiences. And such good feeling make you healthy.
Anxiety(焦虑) is another health problem that can be controlled by music. Anxiety is a side effect of some major health problems such as cancer of the liver and cancer of the breast. Good music makes you feel relaxed and removes the pains from these diseases and you feel all right.
Good music can send you to sleep. And you need to know that sleep puts your body in a healthy condition. Sleep takes away the effects of stress, depression and anxiety from a person. According to the famous person in Paragraph 1, music can___________.
| A．treat many kinds of diseases |
| B．help you keep healthy in your mind |
| C．take the place of medicine in treating illness |
| D．make you remember things happened in the past |
Good music helps people remove stress mainly by _________.
| A．letting people have a good sleep |
| B．making people think positively |
| C．showing something new to people |
| D．making people focus only on important things |
According to the passage, one who has cancer will most probably experience __________.
| A．stress | B．depression |
| C．anxiety | D．upset |
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