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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.
A “blogger” is a person who writes on an Internet computer Web site called a “blog”. The word “blog” is a short way of saying Web log, or personal Web site. Anyone can start a blog, and they can write about anything they like.
There are millions of blogs on the Internet today. They provide news, information and ideas in many people who read them. They contain links to other Web sites. And they provide a place for people to write about their ideas and react to the ideas of others.
A research company called Perscus has studied more than 300 Web logs. It says that blogs are most popular with teenage girls. They use them to let their friends know what is happening in their lives. The study also says that more than 100,000 bloggers stopped taking part in the activity after a year.
However, some people develop serious blogs to present political and other ideas. For example, the Republican and Democratic parties in the southern state of Kentucky recently started their own blogs. And American companies are beginning to use blogs to advertise their products.
At the same time, some long-standing blogs have ended last week, blogging leader Dave Winer closed his free blog service weblogs. com. He says the site became too costly to continue. He started the blog four years ago. And thousands of people had written on it. They are now upset because they did not know that the site was closing.
One blog that is still going strong is called Rebecca’s Pocket. Rebecca Blood created the Website in 1999. She wrote about the history of blogs on the site. That article led to a book called “The Weblog Handbook”. It has been translated into four languages so far.
Ms. Blood says Rebecca’s Pocket gets about 30,000 visitors a month. She writes about anything and everything—politics, culture and movies. She recently provided medical advice. And she wrote about how to prevent people from stealing money from on-line bank accounts.The text is mainly written to .
| A．introduce an Internet computer Web site called “blog” |
| B．introduce a short way of saying Web log |
| C．tell readers about blogs |
| D．tell readers how to write blogs |
From the text we can learn that blogs cover almost everything except.
| A．different ideas | B．medical advice |
| C．advertisements | D．account passwords |
Which of the following statements is NOT true according to the text?
| A．Politicians don’t use blogs at all |
| B．A lot of bloggers no longer write or read blogs |
| C．Those who like to use blogs are mostly teenage girls. |
| D．Dave Winer closed his “weblogs.com” because of money shortage. |
The reason why Rebecca’s Pocket is still going strong is that.
| A．it was created by a woman. |
| B．it is about the history of blogs. |
| C．it provides useful information and advice |
| D．it has editions in at least four different languages |
Cancer researchers urged people on Wednesday to take more vitamin D to lower risk of cancer， saying studies showed a clear link. "Our suggestion is for people to increase their intake， through diet or a vitamin supplement，" Dr. Cedric Garland said in a telephone interview.
Garland's research team reviewed 63 studies，including several large long-term ones，on the relationship between vitamin D and certain types of cancer worldwide between 1966 and 2004. "There's nothing that has this ability to prevent cancer，" he said， urging governments and public health officials to do more to fortify foods with vitamin D. Garland is part of a University of California at San Diego Moors Cancer Center team that published its findings this week online in the American Journal of Public Health.
Vitamin D is found in milk，as well as in some fortified orange juice，yogurt and cheeses，usually at around 100 international units （IU） a serving. People might want to consider a vitamin supplement to raise their intake to 1000 IUs per day， Garland said，adding that it was well within the safety guidelines established by the National Academy of Sciences.
The authors said that taking more vitamin D could be especially important for people living in northern areas，which receive less vitamin D from sunshine.
African Americans，who don't produce as much of the vitamin because of their skin color， could also benefit significantly from a higher intake， the authors said.Which of the following can not help people get more Vitamin D？
| A．Have some sunshine | B．Have more meat |
| C．Have more fortified cheese | D．Have a vitamin supplement |
Who can Garland probably be？
| A．A health researcher | B．A doctor |
| C．A scientist | D．A public health official |
Which of the following food can lower people‘s chance of getting cancer？
| A．Milk | B．Fortified orange juice |
| C．Fortified yogurt | D．All of the above |
People from which area should take more Vitamin D according to the passage？
| A．Asian people | B．African people |
| C．American people | D．European people |
Once upon a time，the animals decided that they must do something heroic to meet the problems of” a new world”．So they organized a training school．
They adopted an activity curriculum（课程） consisting of running，climbing，swimming and flying．To make it easier to manage the curriculum，all the animals took all the subjects．
The duck was excellent in swimming，in fact，better than his instructor，but he made only passing grades in flying and was very poor in running．Since he was slow in running，he had to stay after school and also drop swimming in order to practice running．This was kept up until his webbed(脚蹼) feet were badly worn and he was only average in swimming．But average was acceptable in school，so nobody worried about that except the duck．
The rabbit started at the top of the class in running，but had a nervous breakdown because of so much make-up work in swimming．
The squirrel was excellent in climbing until he developed frustration in the flying class where his teacher made him start from the ground up instead of from the treetop down．He also developed a “Charlie horse” and then got a C in climbing and a D in running．
The eagle was a problem child and was disciplined severely．In the climbing class he beat all the others to the top of the tree，but insisted on using his own way to get there．
At the end of the year，an abnormal eel that could swim very well，and also run，climb and fly a little，had the highest average and was the one who gave a good-bye speech．
The prairie dogs stayed out of the school because the administration would not add digging to the curriculum．Why was the duck kept after school according to the passage? Because ________．
| A．he only passed in flying |
| B．he ran very slowly |
| C．he wasn’t good at swimming |
| D．he had to practice climbing |
We can learn from the passage that ________．
| A．an abnormal eel’s average score is the highest in all subjects |
| B．the squirrel met frustration before practicing climbing |
| C．the rabbit liked to make up in water so she failed at last |
| D．in fact，the duck behaved better than any other animal in class |
What’s the reason that the eagle was disciplined?
| A．He was a problem child． |
| B．He beat all to become the best． |
| C．He didn’t do as teachers taught． |
| D．He decided to climb to the top of the tree． |
What activity curriculums were not offered in this training school?
| A．Running． | B．Swimming． | C．Flying． | D．Digging． |
In a new study about the way kids learn math in elementary school, Beilock and Levine found a surprising relationship between what female teachers think and what female students learn: If a female teacher is uncomfortable with her own math skills, then her female students are more likely to believe that boys are better than girls at math.
“If these girls keep getting math-anxious female teachers in later grades, it may create a snowball effect on their math achievement,” Levine told Science News. In other words, girls may end up learning math anxiety from their teachers. The study suggests that if these girls grow up believing that boys are better at math than girls are, then these girls may not do as well as they would have if they were more confident.
The researchers also gave the students tests to tell whether the students believed that a math superstar had to be a boy. Then the researchers turned to the teachers: To find out which teachers were anxious about math, the researchers asked the teachers how they felt at times when they came across math, such as when reading a sales receipt. A teacher who got nervous looking at the numbers on a sales receipt, for example, was probably anxious about math.
Boys, on average, were unaffected by a teacher’s anxiety. On average, girls with math-anxious teachers scored lower on the end-of-the-year math tests than other girls in the study did. Plus, on the test showing whether someone thought a math superstar had to be a boy, 20 girls showed feeling that boys would be better at math — and all of these girls had been taught by female teachers who had math anxiety.
According to surveys done before this one, college students who want to become elementary school teachers have the highest levels of anxiety about math. Plus, nine of every 10 elementary teachers are women, Levine said.Which of the followings is NOT the study mentioned in the passage?
| A．Girls may be bad at math because of their female teachers’ anxiety. |
| B．Most students tend to believe that a math superstar has to be a boy. |
| C．What kind of teachers is more likely to have math anxiety. |
| D．On average boys are also affected by a teacher’s anxiety. |
What can you infer from the second paragraph?
| A．Girls can do as well as boys if they are confident. |
| B．Girls are born much weaker than many boys. |
| C．Boys are stronger and better in math than girls. |
| D．Girls who are bad at math can do other things better. |
According to the last paragraph, Levine’s imply attitude to the math teaching in elementary schools is _______.
| A．hopeful | B．disappointed | C．worried | D．content |
I told my friend Graham that I often cycle the two miles from my house to the town centre but unfortunately there is a big hill on the route. He replied, "You mean fortunately." He explained that I should be glad of the extra exercise that the hill provided.
My attitude to the hill has now changed. I used to grumble as I approached it but now I tell myself the following. This hill will exercise my heart and lungs. It will help me to lose weight and get fit. It will mean that I live longer. This hill is my friend. Finally as I wend my way up the incline I console myself with the thought of all those silly people who pay money to go to a gym and sit on stationery exercise bicycles when I can get the same value for free. I have a smug smile of satisfaction as I reach the top of the hill.
Problems are there to be faced and overcome. Helen Keller was the first deaf and blind person to gain a University degree. Her activism and writing proved inspirational. She wrote, "Character cannot be developed in ease and quiet. Only through experiences of trial and suffering can the soul be strengthened, vision cleared, ambition inspired and success achieved."
One of the main determinants of success in life is our attitude towards adversity. From time to time we all face hardships, problems, accidents, afflictions and difficulties. Some are of our making but many confront us through no fault of our own. Whilst we cannot choose the adversity we can choose our attitude towards it.
The biographies of great people are littered with examples of how they took these kinds of steps to overcome the difficulties they faced. The common thread is that they did not become defeatist or depressed. They chose their attitude. They chose to be positive. They took on the challenge. They won.Which of the following would be the best title of the passage?
| A．Attitude makes difference |
| B．Well begun is half done. |
| C．The early bird gets the worm. |
| D．Easier said than done. |
From Helen Keller’s example we can infer that__________.
| A．Great people are born to be great and successful |
| B．Life is hard and difficult so we have to give up |
| C．We cannot achieve anything with an easy life |
| D．Practice makes people successful and powerful |
What do you think the author is most likely to suggest if he/she continues to write?
| A．Some examples of our daily life. |
| B．His stories of overcoming difficulties. |
| C．Stories of some unlucky great people. |
| D．Some examples of his friend Graham. |
The underlined word “adversity ” in the fourth paragraph probably NOT refers to ______.
| A．problems | B．difficulties | C．hardships | D．advertisements |