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2014.6【1】Forinvestorswhodesirelowriskandguaranteedincome,U.S.Governmentbondsareasecureinvestmentbecausethesebondshavethefinancialbackingandfullfaithandcreditofthefederalgovernment.Municipalbonds,alsosecure,areofferedbylocalgovernmengtsandoftenhave____36______suchastax-freeinterest.Somemayevenbe____37______.Corportatebondsareabitmorerisky.Twoquestionsoften_____38_____first-timecorportatebondinvestors.Thefirstis”IfIpurchaseacorportatebond,doIhavetoholdituntilthematueitydate?”Theanswerisno.Bondsareboughtandsolddailyon____39_____securitiesexchanges.However,ifyourbonddoesnothave____40_____thatmakeitattractivetootherinvestors,youmaybeforcedtosellyourbondata____41____i.e.,apricelessthanthebond’sfacevalue.Butifyourbondishighlyvaluedbyotherinvestors,youmaybeabletosellitatapremium,i.e.,apriceaboveitsfacevalue.Bondpricesgcncrally____42____inversely(相反地)withcurrentmarketinterestrates.Asinterestratesgoup,bondpnccstall,andviceversa(反之亦然).Thus,likeallinvestments,bondshaveadegreeofrisk.Thesecondquestionis“HowcanI___43_______theinvestmentriskofaparticularbondissue?”Standard&Poor’sandMoody’sInvestorsServiceratethelevelofriskofmanycorporateandgovernmentbonds.And____44______,thehigherthemarketriskofabond,thehighertheinterestrate.Investorswillinvestinabondconsideredriskyonlyifthe_____45_____returnishighenough.A)advantages
I)fluctuate
B)assess
J)indefinite
C)bother
K)insured
D)conserved
L)majorE)deduction
M)naturally
F)discount
N)potential
G)embarrass
0)simultaneously
H)features36.A
advantages
37.K
insured
38.
C
bother
39.
L
major
40.
H
features
41.
F
discount
42.
I
fluctuate
43.
B
assess
44.
M
naturally
45.
N
potential2014.6【2】Fearcanbeaneffectivewaytochangebehavior.Onestudycomparedtheeffectsofhigh-tearandlow-fearappealsonchangesinattitudesandbehaviorsrelatedtodentalhygiene(卫生).Onegroupofsubjectswasshownawfulpicturesof___36___teethanddiseasedgums;anothergroupwasshownlessfrighteningmaterialssuchasplasticteeth,charts,andgraphs.Subjectswhosawthefrighteningmaterialsreportedmoreanxietyandagreater___37___tochangethewaytheytookcareoftheirteeththanthelow-feargroupdid.Butwerethesereactionsactually___38___intobetterdentalhygienepractices?Toanswerthisimportantquestion,subjectswerecalledbacktothelaboratoryontwo___39___(fivedaysandsixweeksaltertheexperiment).Theycheweddisclosingwafers(牙疾诊断片)thatgivearedstaintoanyuncleanedareasoftheteethandthusprovidedadirect___40___ofhowwelltheywerereallytakingcareoftheirteeth.Theresultshowedthatthehigh-fearappealdidactuallyresultingreaterandmore___41___changesindentalhygiene.Thatis,thesubjects___42___tohigh-fearwarningsbrushedtheirteethmore___43____thandidthosewhosawlow-fearwarnings.However,tobeaneffectivepersuasivedeviceitisveryimportantthatthemessagenotbetoofrighteningandthatpeoplebegiven___44___guidelinestohelpthemtoreducethecauseofthefear.Ifthisisn’tdone,theymayreducetheiranxietybydenyingthemessageorthe___45___ofthecommunicator.Ifthathappens,itisunlikelythateitherattitudeorbehaviorchangewilloccur.A)accustomedB)carefullyC)cautiouslyD)concreteE)credibilityF)decayedG)desireH)dimensionsI)eligibleJ)exposedK)indicationL)occasionsM)permanentN)sensitivityO)translated36.F
37.G
38.O
39.L
40.K
41.D
42.J
43.B
44.I
45.E
2014.6【3】MillionsofAmericansareenteringtheir60sandaremoreconcernedthaneveraboutretire-ment.Theyknowtheyneedtosave,buthowmuch?Andwhatexactlyaretheysavingfor-tospendmoretime36thegrandkids,gotravelling,orstartanothercareer?Itturnsoutthathusbandsandwivesmayhave37differentideasaboutthesubject.Thedeepestdivideisinthewayspousesenvisagetheirlifestyleintheirlateryears.FidelityIn-vestmentsInc.found41percentofthe500couplesitsurveyed38onwhetherbothoratleastonespousewillworkinretirement.Wivesaregenerallyrightregardingtheirhusbandsretirementage,butmen39theagetheirwiveswillbewhentheystopworking.Andhusbandsareslightlymore40abouttheirstandardoflivingthanwivesare.Busyjuggling(穷于应付)careersandfamilies,mostcouplesdonttakethetimetositdown,41ortogether,andthinkaboutwhattheywouldliketodo5,10,or20yearsfromnow.They42theyareonthesamepage,butthe43istheyhaveavoidedeventalkingaboutit.Ifyouareself-employedorinajobthatdoesn’thaveastandardretirementage,youmaybemoreapttodelaythinkingabouttheseissues.Itisoftena44retirementdatethatprovidesthecat-alyst(催化剂)tostartplanning.Gettinglaidofforacceptinganearly-retirement45canforceyourhand.Butdon爷twaituntilyougetaseverance(遣散费)checktobeginplanning.AassumeBconfidentialCdisagreeDformulaEforthcomingFillustratingGmysteriouslyHobserveIoptimisticJpackageKradicallyLrealityMseparatelyNspoilingOunderestimate36.N37.K38.C39.O40.I41.M42.A43.L44.E45.J2014.12【01】HisfuturesubjectshavenotalwaystreatedthePrinceofWaleswiththerespectonemightexpect.Theylaughedaloudin1986whentheheirtotheBritish36toldaTVreporterthathetalkedtohisplantsathiscountryhouse,Highgrove,tostimulatetheirgrowth.ThePrincewasbeinghumorous—“Mysenseofhumorwillgetmeintotroubleoneday,”hesaidtohisaides(随从)—butlisteningtoCharlesWindsorcanindeedprovestimulating.Theroyal37hasbeenpromotingradicalideasformostofhisadultlife.Someofhis38,whichoncesoundedabitweird,weresimplyaheadoftheirtime.Now,finally,theworldseemstobecatchingupwithhim.Takehisviewsonfarming.PrinceCharles’DuchyHomeFarmwent39backin1986,whenmostshopperscaredonlyaboutthelowpricetagonsuspiciouslyblemish-free(无瑕疵的)vegetablesand40largechickenspiledhighinsupermarkets.Hiswarningsonclimatechangeprovedfarsighted,too.Charlesbegan41actiononglobalwarmingin1990andsayshehasbeenworriedaboutthe42ofmanontheenvironmentsincehewasateenager.Althoughhehasgraduallygainedinternational43asoneoftheworld’sleadingconservationists,manyBritishpeoplestillthinkofhimasan44personwhotalkstoplants.Thisyear,asithappens,SouthKoreanscientistsprovedthatplantsreallydo45tosound.SoCharleswasaheadofthegamethere,too.A.conformB.eccentricC.environmentalistD.expeditionsE.impactF.notionsG.organicH.originallyI.recognitionJ.respondK.subordinateL.suppressingM.throneN.unnaturallyO.urging36.M37.C38.F39.G40.N41.O42.E43.I44.B45.J2015.06【3】Travelwebsiteshavebeenaroundsincethe1990s,whenExpedia,Travelocity,andotherholidaybookingsiteswerelaunched,allowingtravelerstocompareflightandhotelpriceswiththeclickofamouse.Withinformationnolonger36____bytravelagentsorhiddeninbusinessnetworks,thetravelindustrywasrevolutionized,asgreatertransparencyhelped37____prices.Today,theindustryisgoingthroughanewrevolution—thistimetransformingservicequality.Onlineratingplatforms—38____inhotels,restaurants,apartments,andtaxis—allowtravelerstoexchangereviewsandexperiencesforalltosee.Hospitalitybusinessesarenowranked,analyzed,andcomparednotbyindustry39____,butbytheverypeopleforwhomtheserviceisintended—thecustomer.Thishas40____anewrelationshipbetweenbuyerandseller.Customershavealwaysvotedwiththeirfeet;theycannowexplaintheirdecisiontoanyonewhoisinterested.Asaresult,businessesaremuchmore41____,ofteninveryspecificways,whichcreatespowe
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