Text 1 It can be shown in facts and figures that cycling is the cheapest, most convenient, and most environmentally desirable form of transport in towns, but such cold calculations do not mean much on a frosty winter morning. The real appeal of cycling is that it is so enjoyable. It has none of the difficulties and tensions of other ways of traveling so you are more cheerful after a ride, even through the rush hour. The first thing a non-cyclist says to you is’ "But isn’t it terribly dangerous" It would be foolish to deny the danger of sharing the road with motor vehicles and it must be admitted that there is an alarming number of accidents involving cyclists. However, although police records indicate that the car driver is often to blame, the answer lies with the cyclist. It is possible to ride in such a way as to reduce risks to a minimum. If you decide to join the thousands in Britain who are now returning to cycling as a cheap, satisfying form of transport your first problem will be trying to decide what bike to buy. Here are three simple rules for buying a bike: 1. Always buy the best you can afford. Of course there has to be a meeting point between what you would really like and economic reality, but aim as high as you can and you will get the benefit not only when you ride but also if you want to sell. Well-made bikes keep their value very well. And don’t forget to include in your calculations the fact that you’ll begin saving money on fares and petrol the minute you leave the shop. 2. Get the best frame, the main structure of the bicycle, for your money as you can. Cheap brakes, wheels or gears can easily be replaced by more expensive ones, but the frame sets the upper limit on any transformation. You should allow for the possibility that your cycling ambitions will grow with practice. When you begin, the four miles to work may be the most you ever dream of, but after a few months a Sunday ride into the country begins to look more and more desirable. The best thing is to buy a bike just a little bit better than you think you’ll need, and then grow into it. Otherwise, try to get a model that can be improved. 3. The fit is vital. Handlebars and seat height can be adjusted but you must get the right sized frame. On the whole it is best to get the largest size you can manage. Frame sizes are measured in inches and the usual adult range is from 21 inches to 25 inches, though extreme sizes outside those measurements can be found. Some people say if you take four inches off from your inside leg measurement you will end up with the right size of bike. The basic principle thought is that you should be able to stand with legs at either side of the crossbar (the bar that goes from the handlebars to the seat) with both feet comfortably flat on the ground. People who are buying their first bicycle are advised to ______.
A. buy a cheap model to begin with.
B. get a bicycle which suits their current needs.
C. buy as big a bicycle as they can afford.
D. spend as much money on a bicycle as they can.
Circle the appropriate letters A-C. Mick is not fond of Pizza Hut or Domino’s pizzas because
A. the pastry is too doughy.
B. the base is too crusty.
C. the base has rust on it.
Part A You will hear a conversation. As yon listen, answer Questions 1 to 10 by circling True or False. You will hear the conversation ONLY ONCE. You now have 60 seconds to read Questions 1 - 10. Dr. Wilson suggests that Wang should extend his stay at the university.
A. 对
B. 错
Text 3 Insurance is supposed to provide protection against financial risks, and while dying too soon is one major risk we face, another risk more and more people fear is outliving their money. As a result, a growing array of life insurance products make it possible to protect against both of those risks. In many of today’s life insurance products, MacDonald notes, "The death benefit portion really has become a commodity type product, so if someone is really concerned about the financial impact of dying young, then they can get a pretty good deal by buying term insurance on a commodity basis--find the cheapest policy and buy it." But, he says, "The other side of the coin is that insurance companies have developed products that can be very creative, and very competitive to other alternatives, including investments. They can fill a very important role in any overall investment plan." Variable and universal policies offer people choices in how much they want to put into their policies and how they want their funds invested. These funds can then be tapped later on to provide a lump sum for purchasing a retirement home or a stream of retirement income. Life insurance is an attractive investment vehicle, because the" inside buildup," the accumulation of funds inside a policy structure, is not subject to taxes, in contrast to other personal investments. However, MacDonald and others warn against using insurance policies purely as an investment. While there are tax advantages, there are also the costs associated with the insurance coverage, and if you don’t need that coverage these can be expensive ways to invest. Moreover, MacDonald notes that some companies are offering insurance that has a critical illness or long-term care benefit. These policies specify that if someone suffers a heart attack, for example, they will get 25 % of the face amount of the insurance policy immediately rather than at death. Or if they must be confined to a nursing home, they will be able to use up to the face amount of the policy to pay the nursing home costs. Amid the proliferation of insurance products, MacDonald says, "The positive side of it is there are better products--they’re cheaper and more flexible. The downside is that it’s more complicated and easier to make a mistake. In the past, it was plain vanilla; everybody was selling the same product and everybody had to find an agent they liked. Now there has been significant changes in product structure and design, and benefits, and so it is worthwhile to shop around." Which of the following statements is TRUE about insurance products
A. People have no choice when it comes to buying insurance products.
B. There are so many choices in insurance products that people find it difficult to make a decision.
C. There are not better and cheaper insurance products.
D. It is better for people to have so many insurance products to choose.