单选题How to Select a Fund Eating better. Exercising. Investing. There are a lot of things you know should be doing. The problem is that getting started always seems to be the hardest part. For many investors, mutual funds are a good way to go, but trying to sort through the number of available choices—now more than 10000—makes this important task appear overwhelming. Let's look at some ways to cut that number down to a reasonable size, as well as other factors to consider when selecting your first fund. 41. ______ Before you begin examining potential investments, it's important to take some time to access your own goals and risk tolerance. If you start with a clear objective in mind, as well as an understanding as to how you might react if your investment loses money, you'll be less likely to purchase a fund that doesn't fit your needs. And that's what often leads to disappointment. It is important to look for funds that are appropriate for both your goals and your investment temperament(性情). 42. ______ One way to begin your search for a good fund is to use the Morningstar star rating. The rating is a useful tool for narrowing the field to funds that have done a good job of balancing return and risk in the past. To assign ratings, Morningstar uses a formula that compares a fund's risk-adjusted historical performance with that of other funds within four rating groups-domestic stock funds, international stock funds, taxable bond funds, and municipal bond funds. 43. ______ Funds that invest solely in a single market sectors, called specialty funds, often have impressive returns and may be great additions to a diversified portfolio(投资组合). However, the success of such funds depends largely on the fortunes of a particular market sector. Hence, specialty funds probably aren't the best way to start. For your first fund, look for a diversified stock fund that has exposure to different types of stocks. 44.______ There's no free lunch in fund investing: in addition to the sales fees that some fund companies charge, fund investors must also pay management fees and trading cost. Unfortunately, you don't necessarily get what you pay for—no one has ever shown that more expensive funds provide greater returns. Look for funds with reasonable costs. The expense ratio, which expresses annual costs as a percentage amount, is probably the best number to use when comparing mutual fund costs. 45.______ Whatever the market does, try to take it in stride. You're in for the long haul, so don't worry about the market's day-to-day gyrations. Relax and resist the temptation to monitor your first investment daily. Check in on your mutual funds once a month, and give your portfolio a thorough exam every 6 to 12 months. And consider adding to your fund each month. An automatic investment plan makes it a relatively painless process. Finally, remember that the ultimate measure of your success as an investor depends not on your owning the best-performing mutual fund. Only one fund will be the top performer over the next decade, and there's no way to predict which one it will be. Meeting your own financial goals should ultimately be the yardstick (标准) by which you measure your investment success. [A] Watching related expenses and making wise choice [B] Paying attention to details [C] Weighing your financial goals and expectations first [D] Maintaining realistic expectations [E] Narrowing the search [F] Not too special [G] Choosing specialty funds

单选题Hardly ______ the meeting room when the meeting began.

单选题{{B}}26-30{{/B}} According to a survey, which was based on the responses of over 188,000 students, today's traditional-age college freshmen are "more materialistic and less altruistic (利他主义的)" than at any time in the 17 years of the poll. Not surprising in these hard times, the student's major objective "is to be financially well off. Less important than ever is developing a meaningful philosophy of life". It follows then that today the most popular course is not literature or history but accounting. Interest in teaching, social service and the "altruistic" fields is at a low. On the other hand, enrollment in business programs, engineering and computer science is way up. That's no surprise either. A friend of mine (a sales representative for a chemical company) was making twice the salary of her college instructors her first year on the job-- even before she completed her two-year associate degree. While it's true that we all need a career, it is equally true that our civilization has accumulated an incredible amount of knowledge in fields far removed from our own and that we are better for our understanding of these other contributions--be they scientific or artistic. It is equally true that, in studying the diverse wisdom of others, we learn how to think. More important, perhaps, education teaches us to see the connections between things, as well as to see beyond our immediate needs. Weekly we read of unions who went on strike for higher wages, only to drive their employer out of business. No company; no job. How shortsighted in the long run! But the most important argument for a broad education is that in studying the accumulated wisdom of the ages, we improve our moral sense. I saw a cartoon recently which shows a group of businessmen looking puzzled as they sit around a conference table; one of them is talking on the intercom (对讲机): "Miss Baxter," he says, "could you please send in someone who can distinguish right from wrong?" From the long-term point of view, that's what education really ought to be about.

单选题How is the image of the north polar cap of Mars?

单选题If you miss the cultural references ______ a word, you're very likely to miss its meaning. A. below B. before C. beyond D. behind

单选题Conventional wisdom about conflict seems pretty much cut and dried. Too little conflict breeds apathy (冷漠) and stagnation (呆滞). Too much conflict leads to divisiveness (分裂) and hostility. Moderate levels of conflict, however, can spark creativity and motivate people in a healthy and competitive way. Recent research by Professor Charles R. Schwenk, however, suggests that the optimal level of conflict may be more complex to determine than these simple generalizations. He studied perceptions of conflict among a sample of executives. Some of the executives worked for profit-seeking organizations and others for not-for-profit organizations. Somewhat surprisingly, Schwenk found that opinions about conflict varied systematically as a function of the type of organization. Specifically, managers in not-for-profit organizations strongly believed that conflict was beneficial to their organizations and that it promoted higher quality decision making than might be achieved in the absence of conflict. Managers of for-profit organizations saw a different picture. They believed that conflict generally was damaging and usually led to poor-quality decision making in their organizations. Schwenk interpreted these results in terms of the criteria for effective decision making suggested by the executives. In the profit-seeking organizations, decision-making effectiveness was most often assessed in financial terms. The executives believed that consensus rather than conflict enhanced financial indicators. In the not-for-profit organizations, decision-making effectiveness was defined from the perspective of satisfying constituents. Griven the complexities and ambiguities associated with satisfying many diverse constituents executives perceived that conflict led to more considered and acceptable decisions. (253 words)

单选题Edie: I thinking Professor Holt is smart and she"s really good teacher. Rosa: OK. I"ll try to get into her class. Edie: ______!

单选题Receptionist: Can I help you? Customer: ______. Where do I pay my fees?

单选题Drunkenness was as much of an ______ to enlightenment(启蒙) as lack of education.

单选题Nurse: Mr. White, how about Friday at 9:30? Patient: Would you have anything in the afternoon? Nurse: Hmm..., we do have an opening at 4.00. ______ A. Would that be good for you'? B. See you then. C. Hope you'll like it. D. Are you sure you can make it?

单选题Man: I've been going to the gym for half a year now.Woman: ______ You look really fit and healthy.

单选题The advertisement claims that people can get Dow Jones News by ______.

单选题 In spite of "endless talk of difference," American society is an amazing machine for homogenizing people. This is "the democratizing uniformity of dress and discourse, and the casualness and absence of consumption" launched by the 19th century department stores that offered vast arrays of goods in an elegant atmosphere. Instead of intimate shops catering to a knowledgeable elite, "these were stores, anyone could enter, regardless of class or background. This turned shopping into a public and democratic act. " The mass media, advertising and sports are other forces for homogenization. Immigrants are quickly fitting into this common culture, which may not be altogether elevating but is hardly poisonous. Writing for the National Immigration Forum, Gregory Rodriguez reports that today's immigration is neither at unprecedented level nor resistant to assimilation. In 1998 immigrants were 9.8 percent of population; in 1900, 13.6 percent. In the 10 years prior to 1990, 3.1 immigrants arrived for every 1,000 residents; in the 10 years prior to 1890, 9.2 for every 1,000. Now, consider three indices of assimilation— language, home ownership and intermarriage. The 1990 Census revealed that "a majority of immigrants from each of the fifteen most common countries of origin spoke English "well "or" very well "after ten years of residence. " The children of immigrants tend to be bilingual and proficient in English. "By the third generation, the original language is lost in the majority of immigrant families. " Hence the description of America as a graveyard " for language". By 1996 foreign-born immigrants who had arrive before 1970 had a home ownership rate of 75.6 percent, higher than the 69.8 percent rate among native-born Americans. Foreign-born Asians and Hispanies "have higher rates of intermarriage than do U. S-born whites and blacks. " By the third generation, one third of Hispanic women are married to non-Hispanics, and 41 percent of Asian-American women are married to non-Asians. Rodriguez not that children in remote villages around world are fans of superstars like Arnold Schwarzenegger and Garth Brooks, yet "some Americans fear that immigrant living within the United States remain somehow immune to the nation's assimilative power. " Are there divisive issues and pockets of seething in America? IndeeD. It is big enough to have a bit of everything. But particularly when viewed against America's turbulent past, today's social induces suggest a dark and deteriorating social environment.

单选题 In the same way that a child must be able to move his arms and legs before he can learn to walk, the child must physiologically be capable of producing and experiencing particular emotions before these emotions can be modified through learning. Psychologists have found that there arc two basic processes by which learning takes place. One kind of learning is called'" classical conditioning." This occurs when one event or stimulus is continuously followed by a reward or punishment. It is through classical conditioning that a child learns to associate his mother's face and voice with happiness and love, for he learns that this person provides food and comfort. Negative emotions are learned in a similar fashion. The second kind of learning is called "operant (动作的) conditioning. "This occurs when an individual learns to do things that produce rewards in his environment and learns not to do things that produce punishments. For example, if a mother always attends to her baby when he cries and cuddles him until he is quiet, she may teach him that if he cries he will get attention from mother. Thus, the baby will learn to increase his crying in order to have his mother more.

单选题If your child has grown up, you may take the child' s things to______.

单选题Sports and games make our bodies strong, prevent us from getting too fat, and keep us healthy. But these are not their only use. They give us valuable practice in making eyes, brain and muscles work together. In tennis, our eyes see the ball coming, judge its speed and direction and pass this information on to the brain. The brain then has to decide what to do, and to send its orders to the muscles of the arms, legs, and so on, so that the ball is met and hit back where it ought to go. All this must happen with very great speed, and only those who have had a lot of practice at tennis can carry out this complicated chain of events successfully. For those who work with their brains most of the day, the practice of such skills is especially useful. Sports and games are als0 very useful for character-training. In their lessons at school, boys and girls may learn about such virtues as unselfishness, courage, discipline and love of one's country; but what is learned in books cannot have the same deep effect on a child's character as what is learned by experience. The ordinary day-school cannot give much practical training in living, because most of the pupils' time is spent in classes, studying lessons. So it is what the pupils do in their spare time that really prepares them to take their place in society as citizens when they grow up. If each of them learns to work for his team and not for himself on the football field, he will later find it natural to work for the good of his country instead of only for his own benefit.

单选题Lewis Uwithdrew/U from administration to devote himself to teaching.

单选题At the end of the discussion, he summed up and added a few points.

单选题The passage is chiefly about ______.