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Four Insurance Policies You Can' t Do Without
A single gap in insurance coverage could wipe out the money that yon' ve earned for many years through your hard work.That' s why it' s important to give yourself a yearly insurance checkup, whether you buy your policies through an agent or from one of the growing number of insurance companies.
Health.Before selecting a policy from your employer or deciding among Medicare options, review your current health,predictable medical needs, and family status.This review should help you avoid a plan that fails to cover a necessary treatment or paying for services that you know you'll never use.
Disability. Your chances of becoming disabled before you retire are far greater than your chances of dying. So every working person needs some kind of disability coverage. If you are working for an employer who offers less than that, you can buy an individual policy to promote your coverage.
Homeowners or renters. Make sure you have replacement-cost coverage that would pay the current costs of rebuilding your home and replacing your personal possessions. A policy that would only pay for the decrease in value of these items isn' t good enough, because you could end up recovering just a small part of their costs. Don' t forget flood and/or earthquake insurance if you live in a locate that has a possible tendency to these types of disasters.
Life. Empty nesters and retirees may. no longer need life insurance at all. But if you have dependents who would suffer financially if you died, it' s still a must.

  1. 1.

    To have your insurance checkup every year is mainly because _______.

    1. A.
      the gap in insurance coverage could cost you a large sum
    2. B.
      the gap in insurance coverage could bring you benefits
    3. C.
      some insurance agencies cover few of your policies
    4. D.
      too many insurance companies prefer to sell coverage
  2. 2.

    _______ can be ignored while deciding among Medicare choices.

    1. A.
      Your necessary treatment.                  
    2. B.
      Your personal health at present.
    3. C.
      Your social status.                          
    4. D.
      Your predictable medical needs.
  3. 3.

    Which of the following is NOT true according to the passage?

    1. A.
      Workers needn' t buy personal disability coverage if their bosses offer that
    2. B.
      Insurance companies can secure the full value of private possessions
    3. C.
      Earthquake insurance can cover replacement-cost caused by the disaster
    4. D.
      Divorced or retired people may need life insurance for their dependents
  4. 4.

    We can infer that demand for insurance_______.

    1. A.
      varies due to individual needs of coverage
    2. B.
      stays the same whether you are working or not
    3. C.
      increases when we move to a new place
    4. D.
      decreases if we have a large family to support
ACBA
         
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Long bus rides are like television shows. They have a beginning, a middle, and an end with commercials thrown in every three or four minutes. The commercials are unavoidable. They happen whether you want them or not. Every couple of minutes a billboard glides by outside the bus window. "Buy Super Clean Toothpaste.” Drink Good Wet Root Beer.” Fill up with Pacific Gas.” Only if you sleep, which is equal to turning the television set off, are you spared the unending cry of "You Need It! Buy It Now!"
The beginning of the ride is comfortable and somewhat exciting, even if you’ve traveled that way before. Usually some things have changed new houses, new buildings, sometimes even a new road. The bus driver has a style of driving and it’s fun to try to figure it out the first hour or so. If the driver is particularly reckless (鲁莽的) or daring, the ride can be as thrilling (惊心动魄的) as a suspense story. Will the driver pass the truck in time? Will the driver move into the right or the left hand lane? After a while, of course, the excitement dies down. Sleeping for a while helps pass the middle hours of the ride. Food always makes bus rides more interesting. But you’ve got to be careful of what kind of food you eat. Too much salty food can make you very thirsty between stops.
The end of the ride is somewhat like the beginning. You know it will soon be over and there’s a kind of expectation and excitement in that. The seat of course, has become harder as the hours have passed. By now you’ve sat with your legs crossed, with your hands in your lap, with your hands on the armrests even with your hands crossed behind your head. The end comes just at no more ways to sit

  1. 1.

    According to the passage, what do the passengers usually see when they are on a long bus trip?

    1. A.
      Advertisements on the billboards
    2. B.
      Films on television
    3. C.
      Buses on the road
    4. D.
      Gas stations
  2. 2.

    What is the purpose of this passage?

    1. A.
      To explain how bus trips and television shows differ
    2. B.
      To persuade you to take a long bus trip
    3. C.
      To give the writer’s opinion about long bus trips
    4. D.
      To describe the billboards along the road
  3. 3.

    The writer of this passage would probably favor

    1. A.
      bus drivers who aren’t reckless
    2. B.
      driving alone
    3. C.
      no billboards along the road
    4. D.
      a television set on the bus
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    The writer feels long bus rides are like TV shows because

    1. A.
      they both have a beginning, a middle, and an end, with commercials in between
    2. B.
      the commercials both on TV shows and on billboards along the road are fun
    3. C.
      the drivers are always reckless on TV shows just as they are on buses
    4. D.
      both traveling and watching TV are not exciting
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    The writer thinks that the end of the ride is somewhat like the beginning because both are

    1. A.
      comfortable
    2. B.
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Once when I was six years old I saw an amazing picture in a book called True Stories from Nature about the primeval(原始的)forest. It was a picture of a boa constrictor(大蟒蛇) in the act of swallowing an animal. In the book it said:“Boa constrictors swallow their prey whole without chewing(嚼)it. After that they are not able to move and they sleep through the six months that they need for digestion(消化).”
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  1. 1.

    The writer drew his first picture in order to ________.

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Our spiritual intelligence quotient(精神智商),or SQ, helps us understand ourselves, and live fuller, happier lives.
Though we're all born with SQ, most of us don't even realize that we have it. Fortunately, you don't have to sign up for classes to learn how to improve your SQ. Here are some simple steps that can lead you to this new level of understanding.
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  1. 1.

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    What can we know about the fuel cell?

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      Its commercial use began in the 1960s.
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      Today it’s being used in almost every corner of the world.
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    4. D.
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