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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.
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Beijing took steps to limit the kinds of high-risk of borrowing money from the banks that can create the high price of housing, ______ happened in the United States．
A.a．as B．that C．how D．while
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High levels of chocolate consumption might be associated with a one third reduction in the risk of developing heart disease, suggests a study published online in the British Medical Journal. The findings confirm results of existing studies that generally agree on a potential beneficial link between chocolate consumption and heart health. However, the authors stress that further studies are needed to test whether chocolate actually causes this reduction or if it can be explained by some other unmeasured factor.
The World Health Organization predicts that by 2030, nearly 23 6 million people will die from heart disease. However, lifestyle and dict are key factors in preventing heart disease, says the paper, A number of recent studies have shown that eating chocolate has a positive influence on human health due to its antioxidant and anti-inflammatory properties. This includes reducing blood pressure and improving insulin sensitivity.
However, the evidence about how eating chocolate affects your heart still remains unclear. So, Dr Oscar Franco and colleagues from the University of Cambridge carried out a large scale review of the existing evidence to evaluate the effects of eating chocolate on cardiovascular(心血管)events like heart attack and stroke.
They analyzed the results of seven studies, involving over 100,000 participants with and without existing heart disease, For each study, they compared the group with the highest chocolate consumption against the group with the lowest consumption.
Five studies reported a beneficial link between higher levels of chocolate consumption and the risk of cardiovascular events. They found that the “highest levels of chocolate consumption were associated with a 37% reduction in cardiovascular disease and a 29% reduction in stroke compared with lowest levels.” No significant reduction was found in relation to heart failure.
The authors say the findings need to be interpreted with caution, in particular because commercially available chocolate is very calorific (around 500 calories for every 100 grams)and eating too much of it could lead to weight gain, risk of diabetes and heart disease.
However, they conclude that given the health benefits of dating chocolate, initiatives to reduce the current fat and sugar content in most chocolate products should be explored.
1.Which statement is NOT true according to the passage?
A. There used to be studies about the beneficial link between chocolate consumption and heart health.
B. Millions of people will die from heart disease according to the WHO
C. There are still other factors that may reduce the risk of heart disease.
D. There is clear evidence about how eating chocolate affects your heart.
2.What are the possible causes of heart disease ?
A. Eating chocolate
B. Unhealthy diet
C. Exercising regularly
D. Drinking coffee.
3.What’s the authors’ attitude towards the findings?
A. cautious
B. doubtful
C. disapproving
D. negative
4.What can be inferred from the last paragraph?
A. We should eat less chocolate.
B. Chocolate benefits our health.
C. We should consider the fat and sugar problem.
D. Eating chocolate will lead to fat gain naturally.
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Having a healthy family life can lower risk of heart attack and boost your chance of living longer. 1.．
Care for elders in a loving way
Caring for an elderly loved one is a wonderful way to show compassion and service, and it doesn't mean you have to sacrifice everything. 2.. Kids and marriages can be powerfully impacted by how these decisions are handled，both negatively and positively. They thoroughly think through the potential impact of moving an aging parent into the home or providing extended care. A good boundary with an aging parent is to do occasional outgoings.
Cultivate an attitude of gratitude
Healthy families set a culture of being grateful for the things you appreciate in life, big and small. Set up a respectful space where at the end of each day, each family member share what they are grateful for. 3.．
Keep treats out of sight(and out of mind)
What you see is what you want to eat. 4.. Put the sugary treats out of sight and leave colorful fruits and vegetables out on the counter or on the most visible shelves in the fridge so that you're more likely to reach for a nutritious snack.
5..
Healthy families will create a safe environment for healthy communication, where each individual feels like their feelings are acknowledged. When conflict arises, they don't have to agree with each other but they still need to acknowledge each other's feelings. They still feel their opinions are valued. They also learn tools for how conflicts can be resolved. No one shuts down, or runs away when there is disagreement. They work it out.
A．Fight fair
B．Live healthily
C．Keep healthy snacks highly visible in your kitchen
D．If you keep fighting，you will hurt your family
E. Here’s how to maximize this amazing health asset(资产)
F. This sets up an atmosphere of appreciation that all can benefit from
G. Healthy families have boundaries with aging parents and grandparents
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Having a healthy family life can lower risk of heart attack and boost your chance of living longer. 1.．
Care for elders in a loving way
Caring for an elderly loved one is a wonderful way to show compassion and service, and it doesn't mean you have to sacrifice everything. 2.. Kids and marriages can be powerfully impacted by how these decisions are handled，both negatively and positively.They thoroughly think through the potential impact of moving an aging parent into the home or providing extended care. A good boundary with an aging parent is to do occasional outgoings.
Cultivate an attitude of gratitude
Healthy families set a culture of being grateful for the things you appreciate in life, big and small. Set up a respectful space where at the end of each day, each family member share what they are grateful for. 3.．
Keep treats out of sight(and out of mind)
What you see is what you want to eat. 4.. Put the sugary treats out of sight and leave colorful fruits and vegetables out on the counter or on the most visible shelves in the fridge so that you're more likely to reach for a nutritious snack.
5.
Healthy families will create a safe environment for healthy communication, where each individual feels like their feelings are acknowledged. When conflict arises, they don't have to agree with each other but they still need to acknowledge each other's feelings. They still feel their opinions are valued. They also learn tools for how conflicts can be resolved. No one shuts down, or runs away when there is disagreement. They work it out.
A. Fight fair
B. Live healthily
C. Keep healthy snacks highly visible in your kitchen
D. If you keep fighting，you will hurt your family
E. Here’s how to maximize this amazing health asset(资产)
F. This sets up an atmosphere of appreciation that all can benefit from
G. Healthy families have boundaries with aging parents and grandparents
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.
“There is a great potential for the development of Sino-U.S. trade, ______ is in line with the interests of the two countries and their people,” Wu said
| A．which | B．who | C．that | D．as |
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Dealing with conflict in the workplace is rarely easy. Hurt feelings and anger can lead to lower employee morale (士气) as well as a loss of productivity and a poor work environment. As a manager. you should find some ways yourself to solve the conflict. The goal is to build a team-centered workforce.
You can use role-reversal (角色转换) methods to help each employee understand how the other feels. This model works best when there are only two parties involved. You can hold a meeting with annoyed workers in your office. You might say. "Jane, explain to me how you would feel if Nancy went to lunch with your clients (客户 ) without telling you?" Or. "Nancy, how would you respond if Jane came to me with complaints about you, but hadn't tried to talk to you about them first? "
Workers often respond better to praise than criticism. By publicly drawing attention to employees who have healthy work relationships. you can increase the awareness for those who encourage any conflict. Avoid mentioning teams or departments that are being troubled by conflict.
Instead. focus on the teams that work well together You might say. "I want to express thanks to the design team for working together to meet the deadline this week," or -Special t
hanks to the finance department for their teamwork in making sure that the quarterly reports were accurate"
And help your employees see that differences can be good and don't necessarily lead to anger or disagreement This is one of the best ways to settle workplace conflicts. You can meet with employees and try to stress the value of different techniques. This lets all parties know that their own styles can be effective. You might say. " I know you disagree on how to market our services. but when you combine Jim's email marketing with Joe's personal one-on-one phone calls, you can increase sales. The two of you go well together. " Or. "I know you have different styles for interacting with clients. but Sally's take-them-out-for-coffee approach works well together with Ann's formal business meeting style Both are necessary for building relationships and getting work done. "
1.To build a team-centered workforce, employers_________.
A. should learn to be considerate
B. should be divided into two parties
C. shouldn't go out with clients alone
D. should learn to accept public criticism
2.By saying the underlined sentence "I want to express thanks ...this week". the author tries to
A. differences are not all bad
B. role reversals are necessary
C. the importance of working together
D. the importance of focusing on the positive
3.The author's purpose of writing the text is most likely to ________.
A. inform B. persuade C. instruct D. eutertain
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A new Japanese research has suggested that regularly eating mushrooms could help lower the risk of cancer. The researchers found that the men who consumed mushrooms once or twice a week had an 8 percent lower risk of developing cancer, regardless of how much fruit and vegetables, or meat and dairy products they ate—compared to those who ate mushrooms less than once per week. Eating mushrooms more often appeared to bring even bigger benefits, with those who consumed mushrooms three or more times per week showing a 17 percent lower risk than those who ate mushrooms less than once a week.
Eating mushrooms also appeared to be particularly beneficial among those who ate a large amount of meat and dairy products, little fruit and few vegetables. The findings, published in the International Journal of Cancer, are the first to suggest that there may be an association between eating mushrooms and a lower risk of cancer.
“Test-tube studies and studies conducted on living organisms have shown that mushrooms have the potential to prevent cancer” said lead researcher Shu Zhang. “To the best of our knowledge, this is the first study indicating the cancer-preventive potential of mushrooms at a population level.” Zhang added that, “mushrooms are a good source of vitamins, minerals and antioxidants, especially L-ergothioneine,” which is believed to help fight against stress, and that is cell imbalance caused by lifestyle choices such as poor diets and exposure to environmental poisons. This imbalance can lead to chronic inflammation, resulting in chronic diseases such as cancer.
“Considering the average American consumes less than 5 grams of mushrooms per day, which is lower than that consumed by the participants in this study (7.6 g/day), one would expect that even a small increase in mushroom consumption can offer potential health benefits,” said Zhang. However, Zhang added that, “Although our study suggests regular consumption of mushrooms may reduce the risk of cancer, we also want to emphasize that eating a healthy and balanced diet is much more important than filling your shopping basket with mushrooms.”
1.What is the new Japanese research about?
A.Healthy lifestyle reduces the risk of cancer.
B.Often eating mushrooms reduces the risk of cancer.
C.Drinking dairy products is good for our health.
D.Eating fruit and vegetables makes us healthier.
2.Who seem to especially benefit from eating mushrooms?
A.People who are over fat and having a poor diet.
B.People who are feeling over stressed.
C.People who consume much meat but few vegetables and little fruit.
D.People who consume many dairy products and suffer cancer.
3.Why can the mushroom help reduce the risk of cancer?
A.It avoids the stress from a disease.
B.It reduces environmental poisons.
C.It hell helps reduce weight.
D.It has a source of cancer-preventive.
4.What does the underlined word “inflammation” probably means?
A.A state of being physically healthy.
B.A state of keeping body balance.
C.A physical condition that someone needs to be on a diet.
D.A condition that a part of the body becomes red, sore and swollen.
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The old woman can often buy things with lower price in his store because she is a customer.
A. steady B. popular C. particular D. regular
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How can we reduce the risk?
There are four general approaches to dealing with volcanic(火山似的) dangers. We can try to keep the danger from occurring-often an impossible task. We can try to change its path or reduce its impact on existing development. We can take steps to protect future development. We can also do our best to have disaster response plans in place before they are needed.
Removing the Threat
Clearly, there is no way to stop an eruption. We can, however, attempt to reduce the eruption’s effects by strengthening structures, for example, building protective works such as walls to make lava(熔岩) flow away from developed areas. Such efforts can be and have been successful, but are of limited use in a large-scale(范围)eruption.
Planning for the Future
Protecting future development from volcanic dangers is a simple task. Before building houses, we should judge the risk. If the risk seems too great, a safer location should be found. This type of planning is very effective, but all too often, people are drawn to the lush(葱郁的)，rolling land of a quiet volcano.
Disaster Preparedness(预案)
When a volcano comes to life, a few weeks may not be enough time to avoid a tragedy. Planning is the key to saving lives. Well before the warning signs occur, people must be educated about volcanic dangers. Escape plans must be in place. Communication between scientists, officials, the media, and the general public should be practiced. Emergency measures must be thought out and agreed upon.
If you doubt the importance of these efforts, take another look at past volcanic tragedies, such as the eruption of Nevado del Ruiz. Communication failures left the town of Armero unprepared for escape. When a deadly mudflow came down the slope(斜坡), 21,000 people--90 percent of the town’s people--died.
1.The passage is intended for ________.
A. the general public B. architects
C. adventurers D. geographers
2. When building houses , people tend to ________.
A. judge volcanic dangers carefully
B. take volcanic dangers seriously
C. like to live near a quiet volcano
D. find a safer place far away from a volcano
3. The writer mentioned Nevado del Ruiz to prove ________.
A. The failure to keep volcanic dangers from happening
B. The importance of preparing for a volcanic eruption
C. The bravery of the people in Armero Town
D. The uncertainty of volcano’s damage
4.The passage is mainly about ________.
A. why volcanoes can erupt suddenly
B. who can predict the eruption of volcanoes
C. where the volcanoes are most active
D. how we can reduce the risk of volcanoes
Instead. focus on the teams that work well together You might say. "
hanks to the finance department for their teamwork in making sure that the quarterly reports were accurate"