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1. Some people think that school years are the happiest days in people's lives. Can you say that you have been happy at school? Why?
School is the traditional place for acculturating children into our national life. In the modern age, the role assigned to our schools is to prepare children for the literate public culture. Some students like school, others don't; but they all study for eleven years and gain knowledge by doing different tasks. For students who are doing well in most subjects and who want to get higher education, school is an attractive place. But those who are not successful at school, and who are always pressed by teachers and their parents, school is boring and uninteresting.
I think that the most important role of school is giving knowledge. I can say that my school gives such knowledge, and that's why I'm happy at school. Most of my teachers have a lot of teaching experience; they understand very well the difficulties of the learning process. They help us to learn all subjects well. They also guide us and advise us on all aspects of our study and life. They share their knowledge and experience with us, and we respond with love.
If you want to study well, you must feel relaxed and happy with your family, school and your social life. Your parents should understand you and help you when you need their help. My parents usually help and support me when I need it. We have our school psychologist who also helps us to overcome difficulties and cope with our problems. The main purpose of our school is to create a supportive and caring atmosphere for students.
The standard of education in our school is very high. I'm a rather good student really. I don't have many problems with the work; but I usually get into trouble for talking, especially when I speak at the same time as the teacher.
However I think that sometimes we have too much homework. Teachers and parents insist that doing homework develops the student's ability to work without assistance, or that additional work could help us complete our education successfully. But I believe, in many subjects, homework is totally unnecessary, because it doesn't do me any good. I think it's really stupid to copy from a textbook, and there is no point in duplicating the textbook. And if we could get rid of unnecessary homework, we would have more time to take up hobbies and interests.
School is not only a place of education; it is a place where we develop our relationships, increasing tolerance and respect to each other. At school we can enjoy different activities and demonstrate our individual talents. Everyone has an opportunity to take part in different performances at a school or class party, or to take part in different sport competitions. These activities help us with our education and relationships among our classmates. We want to have harmony in our class and among our classmates, but it is rather difficult to achieve. Of course, we try our best to do it, and in many cases we overcome our problems and solve them. And only sensitive teachers can help us, because boys and girls are not passive lumps of clay; they are living, pulsating, developing, mysterious beings who must be studied and understood before they can be taught in the true sense.
So a teacher plays an important role in our education, and when we remember our school years we usually remember our teachers, if they were fair and intelligent or not. I think that I'm a lucky person – almost all my teachers are very interesting and intelligent. When our teachers criticize us, they follow such rules: they try to correct a student's action, not him; they do not impress upon him that he has no abilities; they try to contribute to the minds and souls of their students; they try to be a path for their students to go through a dark forest of school rules. But I can't judge all teachers, because there are as many opinions how to treat a child as there are people. Teachers must choose their methods themselves, but they should remember that they influence and shape the student's opinion about their school. As for me, I think that in our school almost all teachers understand the students and become like parents to us. They support us and care for us. I'm happy at my school and so are my classmates.
2. If you want to continue your education, what kinds of institution will you attends? Explain your choice.
At the age of fifteen, students in
When choosing a place for future studies, it's a good idea to consider a number of factors. First of all, we should take into account our own preferences and find out what our talents are. We can do this through aptitude tests, interviews with specialities, and consulting reference books on the subjects that interest us. Different types of schools, for example lyceums and gymnasiums, often specialise in various fields. They can offer a good choice of subjects that will be useful in a future profession. Most of them are affiliated with universities and colleges and help pupils to prepare for their entrance examinations.
I am not sure what I am going to do when I leave school. By the time I finish school I will have already formed a much better idea of what I'd like to do. But the problem is we have to decide which subjects to study for university or college two years before we finish school.
It's not easy to make the right choice. There are a number of things we could do. For some of the most interesting professions, like medicine, you have to be very good at chemistry, and I am not much of a chemist. Although my parents are doctors, I don't seem to be very interested in caring for others and helping them with their problems. I don't think it's the best decision to follow in the footsteps of a parent or a relative if you are not interested in this profession.
I have always wanted to be something like a computer programmer, because I like computers and I am interested in knowing how computer programmes work. Besides, I have an aptitude for working with figures and solving mathematical problems. Maths is my favourite subject, and I am really good at it. So I think I can work in a scientific or computational field. As far as my personal qualities are concerned, I can say that I'm creative and hard-working; I have good logical-reasoning and problem-solving skills. Besides, I'm rather communicative and like to work in a team. So I feel I can become a good specialist in programming.
To my mind the profession of a programmer has a lot of advantages. It is a highly paid job, and it can offer many opportunities. I will be able to work on the full range of development activities, such as analysis, design, coding, testing and implementation. Computers are the most rapidly changing sphere of modern technology. The next generation of computers will be able to talk and even to think. We are living in the age of information. And I think that the future will be just filled with computers. Today, in the
But to become a good specialist in computing, you should know a lot of programming languages and application programmes. So after finishing school it is necessary for me to enter a university or a college and to study computer science. I'll have to take three entrance examinations: in Maths, Physics and Literary composition. If I am lucky, I'll have the chance to study interesting sciences, and to listen to the lectures of famous professors.
However, it's very difficult to pass entrance examinations. The school I am now studying in is a comprehensive school with a standard curriculum. Though the teachers here are very knowledgeable and experienced, my school only offers general education. So after finishing the ninth form, I would like to leave it and to enter a lyceum of information technologies. It gives its pupils profound knowledge in Maths, Physics and other academic subjects. Besides, pupils are offered a wide choice of elective subjects connected with computers. They study different programming languages and learn how to write programmes. The teachers there are friendly and well-qualified. The lyceum is known for its academic excellence.
I hope my education at the lyceum will form a basis for my future occupation. But it goes without saying that I'll need some extra knowledge to pass my entrance exams at the university or college. That is why I'll have to take preparatory courses in Maths and Physics. Anyway, I have to get down to some hard work now, if I want to achieve my aims.
3. Choosing a profession is not an easy matter. What do you think can help you to make the right choice?
What do you want to be when you grow up? We have heard this question many times during our school years. Perhaps, it was difficult for us to give a definite answer earlier. But now we understand that the time to choose our future profession has come. Finishing school is the beginning of an independent life for millions of school-leavers. Many roads are open before us: technical schools, colleges and universities.
Centuries ago there were only a few jobs: people were farmers, bakers, butchers or carpenters. Today there are thousands of different kinds of jobs, and new ones are constantly appearing. No wonder that it is not an easy thing to make the right choice.
When choosing a future career, we should consider different factors. In my opinion, money is one of the most important factors when you make a choice. There are highly paid jobs and low-paid jobs. For example, a businessman, a president or a film star, are highly paid jobs. A worker, a doctor or an engineer, are low-paid jobs. I think everybody wants to earn as much money as possible. Training, promotional prospects and conditions should be also taken into account.
On the other hand, it's good when you get satisfaction from your job. It is very important to choose a profession that suits your interests. In my opinion, a job should be interesting and socially important. Some jobs are considered to be more suitable for men and others for women. For example, the professions of secretary or nurse are more suitable for women. A lifeguard or a pilot are more likely the jobs for men. You should also decide whether you want to work indoors or outdoors.
To make the right choice, you should take into account your traits of character. It goes without saying that to become a good doctor you must be patient, caring and kind. Teacher's work requires love for children, profound knowledge of subjects, and the ability to explain. A secretary has to be efficient and careful in order to do her work quickly and accurately. Salespeople need to be friendly and persuasive, to get people buy their products.
There are so many people who influence us in choosing our occupation. Parents and friends play a very important role in our choices.
My father works is a bisnessman. It is a highly paid job and it offers a lot of opportunities. You can travel abroad and meet different people. My father is a friendly person and he is easy to talk to. He thinks that I must choose my future profession according to my taste and preferences. I respect him but I want to become a programmer.
I have always been interested in computers. I'm rather communicative and have good social skills. I have good analytical abilities and I am good at problem-solving. Besides, I am good at English. English has become the standard language for all kinds of international programs. To know English today is absolutely necessary for every programmer.
But to become a good specialist in computing, you should know a lot of programming languages and application programmes. So after finishing school it is necessary for me to enter a university or a college and to study computer science. I'll have to take three entrance examinations: in Maths, Physics and Literary composition. If I am lucky, I'll have the chance to study interesting sciences, and to listen to the lectures of famous professors.
4. There are different ways of learning about the world: through the mass media, books, travelling, visiting museums, meeting other people, etc. Which ways do you prefer to learn about the world?
There are a lot of different ways of getting new information. In the past the only way to learn about the world was traveling. The first travelers were explorers who wanted to discover new lands. Nowadays, millions of people travel around the world either for pleasure or on business. Traveling has always been a part of people's education. It teaches people about the art and culture of different countries. It teaches them to be understanding. Besides, you can improve your knowledge of foreign languages. In my opinion, traveling is the most pleasant way of learning about the world. It's always interesting to discover different ways of life, to visit different museums, to try different foods, and to listen to different kinds of music. In brief, when we travel, we can learn a lot of things that we can never see and learn at home.
But to travel around the world you need a lot of money. That is why the main source of information for millions of people is mass media. Mass media includes newspapers and magazines, advertising and radio, and, of course, television.
Television is a reflection of the modern world. It gives you an opportunity to travel all over the world, to see different peoples, and learn about their customs and traditions. Television keeps you informed about the rest of the world. When you need immediate information about the latest world events, you switch the TV on. There are always a great variety of programmes on TV: current affairs programmes and documentaries, plays and feature films, talk shows and TV games. A lot of people like TV news because they can see everything with their own eyes. Besides, TV has the power to educate and broaden our minds.
Some people think that the only way to be in the know of everything is to read newspapers and magazines. If you get on a bus or catch a train during the morning and evening "rush hours", when most people travel to and from work, you will see a lot of people with their heads in a newspaper or a magazine.
Newspapers are packed with the latest news, information, fashion and facts. They cater to a variety of political views, interests and levels of education. Papers are generally divided into "quality papers", or broadsheets, and "popular papers" that are half the size of broadsheets. But the size is not the only thing that makes them different. "Quality papers" are serious, with long, informative articles; while "popular papers", known as "tabloids", have a more sensational reporting style and contain more human interest stories than news. The two most popular British daily newspapers, The Sun and The Daily Mirror, are both tabloids. Tabloids sell many more copies than broadsheets.
There are also a lot of magazines and other periodicals. Whatever your interest, there is likely to be a magazine about it – from sport, cookery, and farming, to religion, computers, cinema and more. Young people below the age of 18 do not buy newspapers; but they do buy magazines. Girls enjoy magazines about pop music, clothes, fashion and make-up; whereas boys prefer to read about sport, cars and computers. As far as I am interested in fashions I enjoy reading Yes. It is a monthly magazine for girls containing the latest information about our favourite pop, film and soap stars, brilliant fashions and beauty, sports and romance. It approaches interesting subjects with intelligence and good humour. Besides, there is a lot of useful advice on various areas of life.
Still, many people prefer the radio. It's good to listen to the radio in a car, or in the open air, or when you do something about the house. Listeners can tune into all kinds of stations: pop or classical music, news, sport or foreign radio stations. People can often call in and ask questions about everything from cooking or car repair to politics or health. Callers often get a chance to give their opinions on the air. Besides, radio has fresher news than newspapers. They inform every half hour.
The Internet has recently become another important source of information. It is a computer system that allows millions of people around the world to receive and exchange information about almost everything. The main use of the Internet is to find information – for your schoolwork or job, or just to find out more about your hobbies, sports or current events. All the latest information is available to you in your home, at any hour of the day and night. It's much faster and easier to surf the net in search of information from all over the world than to travel to libraries in dozens of countries.
However, the real world of the Internet may not be as perfect as it seems. With so much information available, finding what you want can take you hours. Multimedia web pages with photographs are attractive, but they make downloading slow and boring. Besides, there is too much advertising instead of real information.
With so many modern forms of finding information, such as radio, TV and the Internet, people read fewer books, newspapers and magazines. Nowadays, most people consider television their most important source of information, and a majority ranks television as the most believable news source. In my opinion, we can't say exactly which source of information is the best. It depends on what kind of information you need. However, I don't think we should forget the educational value of reading a good book.
5. Travelling is one of the ways of discovering new countries. What attracts tourists to
Millions of people all over the world are fond of travelling. They travel to see other countries and continents, to discover different ways of life, to meet different people and to practise foreign languages. It goes without saying that travelling broadens the mind. While travelling we can see and learn a lot of things that we can never learn staying at home and watching TV or reading books. That's why a lot of foreign people come to
Tourists like to visit old Russian towns and cities famous for their ancient architecture. They are especially attracted by Russian orthodox cathedrals, churches and monasteries. One of the most interesting old cities in
The focal point of the city is the Detinets, or the Kremlin. The present-day Kremlin stems largely from the 15th century. Several alterations made in the 16th and 17th centuries were minor and did not affect its appearance.
There is a lot to see in Russia, but first of all foreign tourists visit the capital of our country, Moscow, its political, economic, commercial and cultural centre. They dream of visiting
If you come to
If you leave the Kremlin by the Trinity Gate you will come to the
There are more than 80 museums in our capital. The largest museums are the Pushkin Museum of Fine Arts, whose collections include works of art of the ancient Orient and ancient
Another interesting place to visit in
One of the most famous sights of the city is the Moscow Metro and a journey by Metro will be unforgettable. In the Metro you do not feel as if you're underground. This is due to the unique architecture and the artistic design of the stations, which are more like palaces. No two stations are alike; most of them have their own appearance.
Of course, every foreigner should visit
The city is called the
There are a lot of Hero-cities in our country. And I would recommend that my foreign friends visit one of them.
There are a lot of other interesting towns and cities in
6. Every country is special. What comes to your mind, when you think of the
The British flag, known as the Union Jack, is a combination of three flags: the Saint Andrew's cross, the Saint Patrick's cross and the
The Saint Patrick's cross is the former flag of
The Saint George's cross is the English flag. Saint George is the patron saint of
The Saint Andrew's cross is the Scottish flag. Saint Andrew, a fisherman, was one of the 12 apostles who followed Jesus Christ. Paintings of Saint Andrew often show him being crucified on an X-shaped cross. Saint Andrew's Day is celebrated on 30 November. He is the patron saint of both
The Welsh flag shows a dragon. Saint David, the patron saint of
As for me, I'm fond of history and I've read a lot about English kings and queens. I'd like to visit all places in
In the House of Lords, the Chancellor sits on a sack of wool. This tradition comes from old times when sheep wool made
English people are famous for their habit of politeness. It is considered polite to give up one's seat to a woman who is standing, to open a door for her, carry things for her, and so on. Most British people expect the person in front of them to hold the door open for them. People think you are rude, if you don't do this. English people are very reserved. This means that they don't talk much to strangers, and don't show much emotion. A reserved person never tells you anything about himself. But the people of the North and West of Britain are much less reserved than those of the South and East. Most British people queue when they are waiting for a bus or waiting to be served in a shop. But during the rush hour, when a bus or train arrives, people often push forward to make sure they get on. This is called jumping the queue. British people keep their old traditions and are very proud of them. They are famous for their sense of humour. English people show great love for animals. And, of course, English people are fond of sports. Many continentals think life is a game; the English think cricket is a game. To many Englishmen cricket is both a game and a standard of behaviour. When they consider something unfair, they say "That isn't cricket".
The traditional love of English people for tea is well known. They like to drink tea with milk. They have their tea not only at home or in offices, but also in tea-rooms and tea-shops, which can be found in every town.
A nation is born from its land, its history, its art, its traditions and its institutions. These things work together to make people what they are. But above all, a nation is made up of people, and although there are things they all share, all of those people are different. We can say there is still a "British nation," and one of the most characteristic features of Englishmen is their traditions, which they respect, and which they have kept for centuries. The traditions don't only accumulate the experience and wisdom of many generations, but they bring some stability into the rapidly changing world.
7. Each country takes pride in its own achievements and success. What makes you feel proud of your country?
Our country is great, and I'm very proud of it.
For ages mankind was dreaming of travelling in the space. The science itself came later. K. E. Tsiolkovsky, the great Russian scientist, is the father of the theory of interplanetary travels. His words that "mankind will not remain on the Earth forever" came true. On
The heart of
Of course the most ancient part of
A very interesting place in
People in
Russian people are open-hearted, hospitable, and friendly. They like to invite guests to their homes and cities; they like to give traditional souvenirs to their foreign friends such as matryoshka dolls, beautifully painted mugs, plate and spoons from the
We are proud of our famous and talented poets and writers such as Alexander Pushkin, Michael Lermontov and many others. We are proud of our famous composer Peter Tchaikovsky and one of our famous artists, Isaak Levitan. We can see his paintings and the paintings of other outstanding Russian artists, such as Repin, Vasnetsov, Shishkin, Surikov, Benua, Korovin, etc., in the Tretyakov Gallery. It is one of the most famous and well-known picture galleries in our country and in the world. It is situated in the centre of
So, I'm very proud of my country, my native city and the people who brought a lot of fame to my country. And I invite everyone, who has never been to my country, to visit it, and to see its achievements with their own eyes.
8. What famous people from
9. What would you tell your foreign friends about traditional Russian holidays and celebrations? What do you think your British friends will tell you about their traditional holidays and celebrations?
Every country has its own national holidays, but there are holidays that are common for many countries. People all over the world know New Year's Day, Christmas and Easter. In
New Year's Day is a family event in
There are also dates and events in our country that are memorable to Russian people. They are Victory Day, the Day of Reconciliation and Harmony, Women's Day, the Day of Spring and Labour, Independence Day, Country Defendant's Day, Constitution Day, and Maslenitsa. Besides, there are many professional days in our country: Teacher's Day, Miner's Day, etc.
Christmas in
The Day of Spring and Labour is celebrated on 1 May. On this day people prefer to go outdoors and take part in all kinds of outdoor activities. Victory Day is celebrated on 9 May – it celebrates the end of the
There are fewer public holidays in
The most popular holiday is Christmas. Every year the people of
Easter is the time when certain old traditions are observed. It is celebrated as the start of spring and as a religious festival. It is the time for giving and receiving presents, such as Easter eggs, hot cross buns, fluffy little chicks, baby rabbits, and springtime flowers to signify nature's reawakening.
Four times a year the banks are closed on Monday apart from traditional weekends. Such days are called Bank Holidays.
Besides public holidays, there are certain traditional festivals which have existed over centuries in the country. They are Pancake Day, Guy Fawkes' Night, Saint Valentine's Day, Mother's Day, Hallowe'en, April's Fool Day, etc. These days are not days-off. But they help to keep many traditions, which Englishmen have always been famous for.
As for me, most of all I like Hallowe'en. It goes back many, many hundreds of years. At that time the Celts lived in
10. You are going to spend a month with an American or British family. What do you think will be interesting for your host family to learn about you?
Hello! Let me introduce myself to you. I'm Alexander, Alex for short. I live in
I don't know if I'm particularly obsessive. I like to do different things every day. I am fond of collecting different things. One day I collect toy cars, another day I want to collect badges. But most of all I prefer collecting stamps because it's a family hobby. You can learn a tremendous amount through stamps, especially about history. Stamps are a great way to bring history alive. All the members of my family collect stamps and the theme of our collection is history. It is a long-lasting hobby and who knows – in 20 years or so it may have become an impressive collection that can be appreciated and enjoyed by my own children too.
I have grandparents, my mother's parents. They don't live with us; but I often visit them. They live a very routine life, but they like it. I can't put my finger on it, exactly, but there is some atmosphere in their house like nothing has changed for twenty years. My parents are doctors and they work in the hospital. They are very giving, caring persons, and always consider those around them. They work very hard in their hospital and really put all their energy in their work. They are very much in love, even after years of being married and always caring for each other. My parents have warm, friendly eyes and always express a spirit of goodwill towards people. I love my parents very much and my ambition is to be a doctor too, because I want to help people if they have some problems with their health. I originally became interested in medicine during my 9th grade, when I realized that my skills and my traits would serve me well in my future career. Besides I'm good at Chemistry, Biology and History – they are my favourite subjects. I'm not very good at English, but I understand that it is one of the most important subjects now, and I try my best to improve it.
We have a pet. It's a dog. Her name is Sunny. Her mother is a Scotch Shepherd dog. I am never lonely with my pet. She is a great favourite with everyone in our family. All people admire her. She wears a good collar with her name on it. She especially likes morning walks with my father.
My native city is
11. People have various reading preferences. What do you like to read? What is your favourite writer?
I think that we can't live without books. There are a lot of different kinds of books in the world, for example, thrillers, historical novels, science fiction, adventure books and others. Most of them are with us during all our life. Boys all over the world like reading adventure, thrillers and horror stories, whereas girls prefer romances, historical novels and poetry. Encyclopaedias, reference books and dictionaries help pupils to do well at school.
All the members of my family like reading very much. My father often reads newspapers and magazines. He thinks that it is the only way to be in the know of everything. And my mother is keen on reading romances and modern novels. For her they are more interesting than boring historical novels. She agrees with Anatole
I enjoy reading very much. Most of all I like reading detective stories, because they have interesting story lines and unusual endings. I am particularly captivated by characters who conduct investigations.
I never believed there really were books that you couldn't put down. I changed my opinion when I started to read The Woman in White by Wilkie Collins, an English writer. The book was written in the 19th century. It's a very good detective story, with a bit of romance thrown in it. The book is basically about mistaken identity. The main character in the story is a young artist who goes up to the north of
But my favourite writer is Agatha Christie. She is possibly the world's most famous detective story writer. She wrote 79 novels and several plays. Her books are translated into 103 foreign languages. Many of her novels and short stories have been filmed. Her sales outnumber those of Shakespeare, but her life was often lonely and unhappy.
She was born in 1890 in
In 1914 she married Archibald Christie, but the marriage was unhappy. It didn't last long, and they divorced in 1926. Agatha desperately wanted solitude and developed very bitter feelings towards the media because the newspapers had given her a hard time over her breakdown. She was determined never to let them enter her private life again and she buried herself in her work. On
I don't mind reading adventure stories. I especially like to read about characters who go through dangers to complete their mission. I think it's more interesting than reading dull historical novels. But I dislike poetry, especially modern poetry. I find it too complicated. Sometimes I fail to understand what poets mean.
I am sure that reading is an essential part of our life. Only in books can you find answers to all your questions. Books can tell us a lot about the modern world and ancient times. Besides, they can help us to explore new ideas and expand our outlook. I completely agree that "reading is to the mind what exercise is to the body." What is more, books teach us to be kind and honest. While reading we learn how to solve our problems and to make people happy. And I think that reading is a perfect way to spend free time and not to feel bored. Books must be our friends during all our life.
12. Television is much spoken about nowadays. It has both good and bad points. What are your arguments for and against watching TV?
It goes without saying that television plays a very important part in people's lives. It's a wonderful source of information and one of the best ways to spend free time and not to feel bored. Television viewing is by far the most popular leisure pastime. For example, in
There are four TV channels in
Russian television has between 10 and 15 channels, which show all kinds of programmes: news and sports programmes, talk shows and quizzes, documentaries and feature films, soaps and police series, comedies and concerts.
Thanks to satellites, TV viewers can increase their options and watch TV from different countries. Conventional television has to struggle to retain its audience, as people switch over to cable viewing, satellite TV, or renting video cassettes.
Television is a reflection of the modern world. It gives you an opportunity to travel all over the world, to see different people and learn about their customs and traditions. Television keeps you informed about the rest of the world. And of course, it helps you to escape from everyday problems.
A lot of people usually relax watching soaps – TV serials which dramatise their characters' daily life. Their story lines are entertaining, but often unbelievable. I don't think that they show life realistically; but to many people, the characters in the weekly TV serial shows have become more important than real people.
As for me, I prefer watching different quizz shows. That's why my favourite TV programme is "Who Wants to Be a Millionaire?" It is shown twice a week, and lasts about an hour. The programme is now hosted by Maxim Galkin. It is a game show where the player is asked different questions. If the answers are correct, the participant gets a lot of money. But if he is wrong, he loses everything. I particularly enjoy watching this programme, because the questions are always very interesting and they help me to expand my outlook. Besides, it's a perfect way to be in the know about everything. I find this programme clever and informative and try not to miss it.
Of course, not everything shown on TV is made in good taste. There are badly-written programmes which contain unnecessary bad language and violence. The strange thing is that neither politicians nor producers like to admit that watching violence on TV leads to greater violence on the streets.
Many people admit that the quality of television could be better. They would prefer to see fewer soap operas and crime series, and more history, drama, and science. One reason for the poor quality of programmes is advertising. Not all people like watching commercials. They find ads silly and boring. As for me, I don't take advertising seriously. On the one hand, advertisements help people choose the best products and get the best value for their money. But on the other hand, they show life unrealistically and give false information. Besides, in adverts all people seem to be happy consumers, all kids seem to be healthy and well off. But this is not true at all. What is more, I find it very annoying when a film stops at the most interesting moment. Nevertheless, I am not against commercials on TV, because television companies earn their money from advertising.
Another thing I would like to complain about is the amount of smoking in the films that are shown on TV. Smoking is often shown as a very "cool" thing to do – making young people much more likely to copy what they see, and take up smoking themselves.
Some people say that television is a terrible waste of time. Of course, there are TV addicts who can't drag themselves away from the box. They watch TV for hours without choosing programmes, and spend time in front of television which they could spend talking to their friends and family. In this case, television makes them really waste time. But on the contrary, if we watch TV for an hour a day, to find out what is happening in the world or to relax, then television is really useful.
In short, television does have its good points. Many of the broadcast programmes are educational and can help with schoolwork. A good soap-opera or a comedy is a source of relaxation for many people. Television also provides jobs for thousands of people. So I think it is not the TV itself which is to blame for the bad effects it has, but the fact that people do not know how to make the best use of it.
13. What are the most popular free time activities for British and Russian teenagers? What activities do you like? Why?
And the same is true in
The young generation is fond of communication. There are many available methods of communication nowadays, and the most popular one is computers. A lot of teenagers spend plenty of time working on computers. The Internet seems really good fun. You may send e-mails to friends from different countries and get their answers instantly. You even may talk to them. It is easy and quick. A lot of teenagers have mobile telephones, so they can always be contacted, if they keep their telephone switched on, at any time of the day or night, or tend text messages.
A lot of teenagers in both countries are crazy about animals. They race them, train them and breed them. They like to hear stories about them on television programmes and they like reading books about them. Many teens have a pet animal. It could be a dog, a cat, a goldfish, a bird or a small furry animal like a hamster. Looking after and being kind to their pets is very important for teens. Why are teens so interested in animals? Perhaps it's because they are rather shy in their heart of hearts. One of my friends says: "I can say anything I like to my dog, but she never thinks I'm silly."
There are plenty of other kinds of activities, such as travelling, visiting historical places, babysitting, delivering newspapers, putting together jigsaw puzzles, reading, going to different museums, skateboarding, going fishing, hitchhiking, shopping, helping people in need, joining a computer club and others. We can say "So many teens; so many kinds of activities."
Now some words about me. I am fifteen and I am a computer addict. I am fond of communication with other teens. That's why I have a lot of friends in my and other countries. We send messages from one computer to another one using e-mail; we have on-line conversations. I am a member of the computing club and I spend much time there. Of course, it's rather expensive, but my parents understand me and give me enough money to pay for my computer club. And I think that my hobby will be useful in my future profession. Besides, I spend my free time in the sport club. I go in for kung fu. Recently films about kung fu have become very popular in
14. Young people are fond of different styles of music. What kinds are popular now? What kind of music do you like? Why?
Can you think of a day without music? We can hear music everywhere: in the streets and at home, over the radio and on TV, in the shops and in the parks. People all over the world are fond of music. They listen to music, they dance to music, they learn to play musical instruments.
But what is music? Specialists explain that music isn't only a combination of pleasant sounds. It is an art which reflects life. There are a lot of different kinds of music. Some of them appeared long ago, and some are modern. For example, folk music appeared long ago, but it is still alive. There are many local performers, choirs and folk groups in
Tastes differ. So people's musical interests range from pop and rock music, which are extremely popular nowadays, especially among young people, to classical music and opera.
My favourite style of music is pop music, because it is breathtaking and full of energy. When I listen to pop music it makes me remember happy times and forget the problems of everyday life. It helps me to relax when I'm tired, and entertains me when I'd like to have fun. My favourite group is Abba. It was formed in 1973 in
I don't mind listening to dance music, especially when I go to disco clubs. This style of music is catchy and firey and I like catchy tunes. It makes me more energetic.
It's a pity that many young people like to listen only to modern music. As for me, I also enjoy listening to classical music. I find it tuneful and appealing. Classical music is always a complex of emotions. It gives me delight, pleasure and a sense of happiness. Some pieces of classical music are really wonderful. Not long ago I listened to the First Piano Concerto, composed by Tchaikovsky. The power of his music captivated me. The impression was overwhelming.
The music I hate is heavy metal. I find it noisy and dreadful. When I listen to this style of music it presents to my mind pictures of dark days. Though some young people are fond of this style of music, it is not to everyone's taste. To my mind, music too loud can destroy our ears. I am indifferent to other styles of music. For example, I don't mind listening to jazz. Improvisation is an important part of this style, that's why a jazz song may sound a little different each time it is played. I think that jazz is a mixture of many different kinds of music, but I consider it a bit complicated.
My mother and father approve of my tastes in music. Though they prefer to listen to classical and "bard music", they think that, on the whole, modern music is not too bad. My parents agree that each generation has its own tastes.
It goes without saying that music plays a very important role in people's lives. It reflects our moods and emotions. Music appeals to our hearts and transforms our feelings. It conquers our souls and enriches our minds. Besides, listening to music is the perfect way to spend free time and not to feel bored. You can hardly find a person who doesn't like or need music, who never sings or dances. Music is beauty in sounds, it is our magic source of inspiration.
15. What are traditional British kinds of sports? Are they popular in
Englishmen are known to be great sports-lovers. One of the most popular British games is cricket, which foreigners can hardly understand. There are two teams of 11 players. Matches last from one to five days. It is played all over the country in the summer. To many Englishmen cricket is both a game and a standard of behavior. When they consider something unfair they say "That isn't cricket." Almost all Englishmen become fans when they watch a traditional cricket match between the teams of
Another game which attracts great attention is soccer (European football). There are plenty of amateur and professional soccer clubs in every town. Professional soccer is big business. The Cup Final played in
A great number of people play and watch tennis. Among many tennis tournaments the most famous is the one in
Almost all these games are popular in
In my family we prefer swimming. I began swimming at the age of six. I think that swimming is something like music or languages, and that's why it's very good to start as early as possible if you want to be good at it. There is no question that you can speak; there is no question that you can walk; and there is no question that you can swim if you start at a very early age. My parents also go to the swimming pool, but they began going in for swimming when they were grown-ups. There are some sports which I've not had a chance to experience but would really like to. They're mostly non-competitive sports. I love the water very much and I'd really like to try some more water sports. For instance, being pulled by a boat whilst wearing water-skis would, I'm sure, be a fantastic experience. And I'd also like to try surfing. I think there's no greater feeling on earth than riding the top of a wave on a surfboard. I'd like to try it just to see. My parents and I are great fans. We subscribe to a sports newspaper and like watching nothing but football matches. We read the newspaper from cover to cover and lie on the sofa watching sport competitions on television on Sunday.
16. Some people go in for sports, while others like to watch sports competitions? Which is better: to watch or to participate?
The modern way of life, when people have little physical activity, use cars instead of walking, watch television for many hours, and work on computers is turning them into legless creatures. Although a lot of people are interested in staying healthy, not many people do very much about it. Only 10 per cent of adults take part in sport more than twice a week.
The majority of people live in towns and cities, where space for team sports is limited. To keep fit, most people take part in individual sports. They usually go walking, swimming, cycling, or do aerobics. Taking part in all of these sports is informal and casual. Most people just want to relax. If they do aerobics or go swimming, they usually go to the sports centre; but not many people join a sport club.
Some people argue that sports are not very useful. It takes a lot of energy and time. As a result of going in for sports, people have broken legs and arms and other injuries. Besides, it makes you unhappy when you lose. A lot of people prefer to watch sports competitions rather than take part in sports. Thousands of people go to the stadiums to support their favourite teams and sportsmen. The most popular spectator sports are football, hockey and figure skating. Most of the important competitions are televised, and people enjoy watching sports programmes on TV. They needn't buy tickets and go to a stadium, especially in cold and rainy weather. But certainly watching sports events and going in for sports are two different things.
In my opinion, people can't do without sports. Sports play an important part in our lives. I think sports help us in different ways. First of all, it helps us to stay in good shape, to keep fit and to be healthy. It makes people strong, fast and agile. What is more, sport builds character; it teaches us to compete and practice sportsmanship. It makes us more organised and better disciplined in our daily activities. Besides, it is a good way to meet people and to make new friends.
Sports are an essential part of our everyday life. To have a healthy mind, you must have a healthy body. But to be healthy, it is not necessary to become a professional sportsman. You may go in for sports just for pleasure, when you have free time. Some people jog every morning; some follow fitness classes shown on TV. Young people usually put on their roller-skates and skate in the streets and parks. A lot of young people spend their holidays hiking; it doesn't cost much, and it is a really good way of getting away from crowds.
Physical education is an important subject at school. It helps pupils to relax and to keep fit after a hard working day. Each school has sports facilities. A lot of different competitions are usually held at school and a great number of pupils take part in them. That's why I think sports are so popular in our country.
The most popular sports in
I enjoy many sports; but best of all I love swimming. I started to learn when I was about seven years old. When I was younger I used to go swimming three or four times a week. Now I have less free time, but a week never goes by without my visiting the pool at least once. Sports help me to work off my extra energy.
Swimming is an inexpensive and simple sport. You do not need any complicated equipment. You just need a swimming costume or trunks and perhaps a cap. You can swim in the sea or a river, or you can go to a special swimming pool. I love swimming because it is a very good exercise for the whole body. I would recommend it because it is so convenient to do: you can do it when you like and for as long as you like.
17. What does a healthy way of life mean? How do you look after your health?
People nowadays are more health-conscious than they used to be. They understand that good health is above wealth.
To be healthy we should avoid different bad habits that can affect our health. In my opinion, smoking, and drinking too much alcohol, are the worst ones. It's common knowledge that smoking and drinking can shorten our lives dramatically. Smoking, for example, causes a number of heart and lung diseases, such as pneumonia, emphysema and cancer. Besides, it makes your teeth yellow and skin unhealthy. Fortunately, in recent years smoking has received a lot of bad publicity, and fewer people smoke nowadays. Some companies don't employ people who are smokers. Smoking has been banned in most public places because everyone agrees it does harm to our health. I don't smoke, because I don't want to have unhealthy skin and teeth and die young.
Smoking and drinking are joined by less dangerous habits, such as skipping meals, eating unhealthy food, or even overeating. Of course, they are not quite as deadly as smoking or drinking alcohol, but they also affect our health.
If we eat too much, we'll become obese, and obesity leads to serious health problems. A lot of people like drinking coca cola and coffee, and enjoy pizzas and hamburgers. But what is tasty is not always healthy. Fast food makes you fat, that is why Americans are the fattest people in the world.
In recent years eating habits have undergone a change. People are encouraged to eat less fat and more fibre. Fat is believed to be one of the major causes of obesity and heart disease. High fibre and low fat foods can now be found in all shops and supermarkets. Salads, beans, and fruit have taken the place of steak and ice cream. The fashion for health food is growing all the time.
Many people feel they are too fat, even if their doctors disagree. And a lot of people try to improve their fitness. There are a lot of ways to lose weight and avoid gaining it. Perhaps the most popular of them is following a diet. If you want to lose weight, you should cut out snacks and desserts, and cut down on fat. People have also become more aware of calories, the energy value of food. Some people count the number of calories they eat every day; so that they can try to take in fewer calories and lose weight. This is called a calorie-controlled diet. Manufacturers are increasingly producing special foods with fewer calories for slimmers.
But excessive dieting may be dangerous, too. Some people refuse to eat meat as they consider it harmful. They say a vegetarian diet reduces the risk of cancer and vegetarians live longer than others. I can't agree with them, because meat is an excellent source of good nutrition. In my opinion, it's wrong to put down a food simply because excessive amounts can cause health problems. Consumed in moderate amounts, meat is perfectly good for our health.
To my mind, the only way to stay healthy and to keep fit is by going in for sports. Among the benefits of regular exercise are a healthier heart, stronger bones, quicker reaction times and more resistance to various illnesses. Besides, you can eat and drink as much as you want because you are burning it all off.
To be healthy, it is also very important to spend a lot of time in the open air. It is useful to go for a walk before going to bed, or to air the room.
I think it is very important to be fit and healthy, and it is necessary to take care of your health. Being fat, in fact, can cause real problems. It is harder for fat people to get a good job, or even to make friends. If you want to do well, you must be thin. That's why I go in for sports on a regular basis. I have been doing aerobics for three years and I feel great. I am not enthusiastic about strict dieting, but I try to eat only low-fat food, and fruit and vegetables which are rich in vitamins.
Personally I believe that regularity in life promotes our health. Sleeping eight or nine hours, getting up early, regular meals, a healthy diet and going in for sports is really a good way to live.
18. The problems of ecology are very important now. Which problem is the most urgent, in your opinion? What can you and the people around you do to protect the planet?
Environmental problems have become exceptionally acute in the modern world, and environmental protection has become a vital necessity for all people.
Our planet is in serious danger. One of the most important environmental problems in the world today is the shortage of clean water. Industrial pollution has made many sources of water undrinkable. Rivers, lakes and even seas have become poisonous. Thousands of fish die every year as a result of the illegal dumping of waste in rivers by factories all over the world.
Air pollution is another important problem. In hundreds of cities and towns the concentration of harmful substances in the air is over ten times the admissible level. Every day a huge number of plants and factories emit lots of harmful substances into the atmosphere of big cities. The great increase in the use of motor cars in the last quarter of the twentieth century has caused an increase in a new kind of air pollution. Pollution from factories and cars poison the air we breathe, and is the main reason for the greenhouse effect and acid rain.
Acid rain can damage life in lakes and rivers and destroy forests. The greenhouse effect may also have disastrous consequences for our planet. It is already affecting several areas of the world with unusual weather causing droughts or heavy storms. The world's temperature is going up and the climate is changing. Cutting down on emissions from large combustion plants and exhaust fumes from vehicles would help solve the problem. I think we should try and use alternative energy, such as solar energy and wind energy, and design plants and cars that run on electricity, a much cleaner fuel than petrol.
One of the most alarming environmental problems is depletion of the ozone layer, which protects the Earth from the dangerous ultraviolet rays of the sun. Because of the ozone holes, the dangerous rays get through the atmosphere, causing skin cancer and other serious diseases. Many scientists think that these ozone holes are the result of air pollution.
In my opinion, the most urgent ecological problem today is the environmental safety of nuclear power stations. Nuclear pollution can't be seen, but its effects can be terrible. We all know how tragic the consequences of the
Of course, we can't help mentioning such burning issues as destruction of tropical forests and wildlife, overpopulation, and shortage of natural resources. The list of serious ecological problems could be continued.
Today environmental issues are much spoken and written about on TV, radio, and in the newspapers. If people want to survive, they must do their best to solve these problems. Fortunately, it's not too late to save our planet. We understand that our environment is not just our home town, but the whole earth. The protection of the environment requires the cooperation of all nations. Governments should take measures that will help improve the environment.
There are a lot of environmental groups and international organisations, whose main goal is to strengthen cooperation among environmentalists from different countries. The most famous of them is Greenpeace, which combines the people's efforts for peace with the huge and ever mounting movement for nature conservation. The World Wildlife Fund (WWF) is the name of another international organisation that appeared in 1961. It has created or given support to National Parks on five continents.
However, there are a lot of simple things we should all do to stop the destruction of the environment. First of all, we mustn't drop litter in public places. Besides, we shouldn't dump our rubbish without thinking which things, such as bottles and paper, can be recycled. We must stop using aerosol sprays, because the stuff they contain destroys the ozone layer. We should take care of birds and animals. We can help to plant trees and create parks for endangered species. We can clean rivers and canals and create footpaths. But first of all we must change people's attitude towards the environment.
If we take action now, there might be some hope for the future. If we do nothing, we are heading for disaster!
19. People set up different organizations for various purposes. What do you know about these organizations? Are you a member of any organization? Which organization would you join? Why?
The 20th century is characterized by the creation of international organizations: only a small number of the international organizations now in existence were formed before 1850, and about 90% were organized in the period 1900–1956. In the 1980s there were more than 2500 international organizations, of which about 750 were formed after World War II. This number included more than 130 intergovernmental agencies, of which the most notable were the United Nations and its affiliates.
The name United Nations was devised by United States President Franklin D. Roosevelt and was first used in the "Declaration by United Nations" of
A specialized agency of the United Nations is UNESCO (United Nations Educational, Scientific and Cultural Organization). It was founded in 1946. It promotes international collaboration in education, science and culture. Education is UNESCO's main activity. The organization attempts to assist and support national efforts of member states in eliminating illiteracy, training teachers, developing educational institutions and extending free education. UNESCO also works to study, develop and promote cultural heritage and protect historic monuments and the natural environment. UNESCO assists and supports the efforts of member states through conferences, seminars and publications, through the promotion of research and exchange of information and knowledge.
Now I'd like to tell you about the World Health Organization (WHO). It began its activities in 1948. It is a specialized agency designed to further international cooperation for improved health conditions. The major function of the WHO is to establish measures for the control of epidemic diseases. This consists of mass campaigns promoted by WHO against communicable diseases. The major function of WHO is nursing concerned with maternal and child health. It also assists educational programmes for nurses and assistants. WHO is coordinating an international effort against Acquired Immune Deficiency Syndrome (AIDS) as well as the current threat of SARS.
Another medical organization is the Red Cross and Red Crescent. The Red Cross is an humanitarian agency with national affiliates in almost every country in the world. The Red Cross movement began in 1863. Its peacetime activities include first aid, accident prevention, water safety, training of nurses' aids and mothers' assistants and maintenance of maternal and child welfare centres, clinics, blood banks and numerous other services. The Red Cross is the name used in Christian countries; the Red Crescent is the name used in Muslim countries.
Greenpeace is an international nongovernmental organization dedicated to preserving endangered species of animals, preventing environmental abuses and taking care of wildlife. Greenpeace was founded in 1971 in
– for stricter control over chemical waste disposal on land;
– to stop all nuclear weapons tests;
– to close down nuclear power stations and nuclear reprocessing plants;
– to stop acid rain and protect the atmosphere;
– to reduce the trade in endangered species products;
– to declare
Today it is a global organization with national offices in 27 countries; one of them is in
There are also youth organizations, because the main aim of society is to prepare young people for responsible roles in the adult world and to provide constructive outlets for energies of young people. Some organizations such as Boy Scouts, Girl Scouts or Guides, and Young Men's Christian Association and Young Women's Christian Associations, have spread all over the world. The Boy Scout movement was founded in
As for me, I'm not a member of any organization. But if I had chance, I would become a Scout, because I like the aims of this organization and the ways they are achieved.
20. Growing up can cause problems. Do you have any problems with your friends, your parents and other people around you? How do you cope with these problems?
It's hard not to see that teenagers nowadays have a lot of problems. One of the real problems is having no close friend. Several days ago I had a best friend, but now I don't. My friend was much more to me than just a person with whom I communicated. We were as thick as thieves. We helped each other to survive and got along well. But some days ago we quarrelled, and now I'm at a loss what to do. Fortune turned its back on me and I feel very lonely. I can't say that my parents don't understand me, they try to support me; but I think only time can heal me. Some young people are just sure that their parents don't want to understand them. It's a very serious problem. I'm sure that this point of view is absolutely wrong.
Psychologists believe, parents-child conflicts cannot be avoided in a society that is undergoing rapid change. In our society youngsters are at odds with their parents on a wide range of issues, from how late they can stay up, to whom they should marry. It's called a generation gap. But I think our parents are people whom we can trust. In most cases teens don't understand their parents and become very nervous. When this happens, it's time to say to yourself "stop", and try to find in your parents more positive than negative traits. Our parents should understand one thing, that today's children will become tomorrow's society. So they should try to understand the child; they should find out about teen problems and help solve them.
The other very important problem is our school life. Teens are often under pressure in many ways at school – they are supposed to be "macho" – good at school subjects, able to stand up for themselves without crying. If they can't, they are "wimps", and often children will tease and bully them, especially at school. But all children are different – they have different needs and talents, likes and dislikes. Teens are not just "machos" and "wimps", they are rebels and conformists, extroverts and introverts. Our teachers and our parents should assure us that all these types of people are good, and it will reduce a lot of our problems.
Teenager's Problems
There are so-called "problem teenagers", who take drugs. A large number of teens use them very often. They are drug addicts. I don't have such friends and I think that there should be special programmes to solve this problem.
Drugs Destroy Lives
Another problem is connected with biorhythms. Not all people know what it is, and they begin to laugh at you and can offend you, when sometimes you are all fingers and thumbs, when you are accident-prone, or when your temper seems to be on a short fuse. It is because we all have an internal "body clock" which regulates the rise and the fall of our bodies' energies and it's called biorhythms. So our teachers, parents and classmates should understand it and not pay attention to it because it's the law of our life and nature.
My other serious problem is to enter a good university and find a good job afterwards. But unemployment rates are extremely high – even qualified people with great knowledge can't find something good. But in spite of that I hope for the best.
I always want to impress people. But the first impression we make almost fully depends on what we wear and how we wear it. Manners and speech are noticed next and character only later. Many teens have the same taste. They like to keep up-to-date with the changes in our society. They like to wear clothes which look good and which you feel comfortable in. Being in fashion makes you feel good, in tune with the world you live in. But when you are at school it is important to wear the right clothes, even formal ones, and not to dress up. I understand it, but some of my classmates don't. They like to shock their teachers and parents, and provoke them, and that's why they have some problems at school. So you should have some "clothes sense" to know and feel the types of things that are your style in formal situations (when you are at school) and at parties.
As for me nowadays, I try to cope with all my problems alone, or with the help of my parents. My parents are real friends and they understand me and try to help me or give advice.
So if someone denies all of the problems teenagers have, they are not being honest. Teens have a lot of problems. But the first thing we have to think about is the future we're building for ourselves and our children. The better we are now, the better we understand one another, the better our place will be when we grow up.


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With nearly thirty years of experience, Barbara M. Rodriguez is a top personal injury and immigration lawyer based in Glendale, California. As a bilingual attorney and skilled litigator, Attorney Rodriguez has developed a reputation as a formidable and compassionate advocate for those seeking help with personal injury and immigration concerns within the Spanish speaking communities of the greater Los Angeles area.
As the daughter of Cuban immigrants, Attorney Rodriguez witnessed firsthand the sacrifices made by immigrant parents. She was the first in her family to attend a university, graduating in 1989 from Western State University in Fullerton California. As she tells it, it was through her dedication to serving the Hispanic community that she found her passion for immigration law:
I became interested in personal injury law during my law school internships. Being Spanish-speaking, I felt compelled to educate and represent the Spanish community, so I focused on personal injury law within that community first. Then, about twenty years ago, my clients started asking questions about immigration. I started dabbling, and I quickly fell in love with the way immigration law allows me to help the Hispanic community and immigrants deal with the complicated process my parents went through.
Today, Attorney Rodriguez is authorized to practice before the Supreme Court of the State of California, the Federal District Court and the U.S. Court of Appeals for the Ninth Circuit. Over the course of her career, she has successfully represented thousands of claimants in both personal injury and immigration law. Regarding her client-first philosophy, she noted:
When the value of a personal injury claim is considered insignificant in the eyes of other attorneys, I will take the case. What may seem small for them is an enormous problem in the lives of my clients. I cannot walk away from helping others right a wrong. It's just not in my DNA.
Additionally, Attorney Rodriguez prioritizes truly connecting with her clients, including the immigrant families who come to her for help with one of the most controversial issues in the United States. Speaking the language, understanding the cultures, and being sensitive to the struggles involved in both immigration and personal injury law allows her to build rapport that helps clients trust that she is on their side, no matter what.
As a leader in her field and a current member of the American Immigration Lawyers Association, Attorney Rodriguez keeps current in this ever-changing and challenging area of the law. In particular, she notes:
More than anything right now, it's immigration law that I'm focusing on. It's a hot topic right now and has been for some time, so there are always new things coming up to pay attention to, and new hopes for new opportunities for my clients.
As passionate about defending her clients' rights as she was at the start of her practice nearly three decades ago, Attorney Rodriguez remains a pillar of hope for Spanish-speaking clients facing personal injury or immigration challenges. Looking to the future, she anticipates focusing more of her practice on immigration law to better meet the ever-evolving needs of the Los Angeles area community.
Attorney Rodriguez notes that she is happy to have the opportunity to pass her commitment to justice on to her daughter who is currently attending law school at Southwestern Law School – Los Angeles.


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Osborne Bulls ($2.70) could well be undefeated with a bit of luck although his record is still impressive with six wins and three minors from his nine starts. Last start he was the subject of a much debated ride when storming home to just miss Tribal Wisdom over 1400m in BM99 grade.


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Cheap Oil May Force Exporters to Sell Assets, Fueling Market Volatility
Add one more thing likely to fuel market paroxysms in the months and years ahead: Oil exporters liquidating their rainy-day funds to buffer their economies against anemic crude prices.
The International Monetary Fund estimates oil exporters holding $4.2 trillion in global equities, bonds and currencies maybe forced to shed nearly $1 trillion of their assets over the next five years to fill emptying government coffers.
Given weak global growth, gains in energy efficiency and a massive gap between the available supply of oil and demand, economists are predicting a long period of soft oil prices.
Although some of those oil-fund sales will likely be offset by oil-importing countries buying assets, those mass liquidations could foment turbulence in markets across the globe.
"A substantial change in the path of asset accumulation by sovereign wealth funds will likely have a direct effect on financial markets," say economists Rabah Arezki, Adnan Mazarei, and Ananthakrishnan Prasad in a new IMF blog post.
Markets are already on edge amid tectonic shifts in the global economy. Major emerging market economies, including the world's No. 2 economy, China, are slowing or shrinking. The U.S. Federal Reserve is preparing to raise rates for the first time in almost a decade. Market bottlenecks, rising risk aversion and falling reserve holdings are inflaming investor jitters and fueling volatility.
That's why any big moves can amplify selloffs. The IMF estimates oil exporters' sovereign wealth funds will have to sell off roughly $250 billion in assets this year alone.
Even though the U.S. has the deepest markets and the American economy is expanding at the fastest rate in nearly a decade, mass oil-fund liquidations could create havoc in the U.S.
Oil-exporters are the fourth-largest owners of U.S. debt and private equities, holding nearly $300 billion of U.S. Treasurys alone. Fed economists estimate that if net foreign official inflows fell by $100 billion in a month, it could immediately drive up five-year Treasury rates by up to 0.6 percentage point.
While oil-exporting countries might resist the temptation to raid their wealth-fund piggy banks to cover rising budget deficits, the IMF economists aren't betting on it.
"The low-price environment is likely to test the relationship between governments in oil-exporting countries and their sovereign wealth funds," they said. "Pressures to draw down on sovereign wealth funds' assets will probably rise."
Related reading:
IMF: Emerging-Market Troubles Risk Triggering Asset Fire Sales
The Failure to Learn From Boom-Bust Cycles
How the World Bank Sees Cheap Oil Through 2016 Affecting the Global Economy
Threats to Global Financial Stability Are Rising, the IMF Says


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Admiralty Yacht Racquet Club
Quick Facts
- Current Prices:$145,500 to $155,000
- Closed Prices:$130,000 to $242,000
- Median Sale Price:$147,500
- Average $ per sq ft:$131
- Association Fee Ranges:$412 to $431/mo,$0
- Type:Attached Home (Condo, Townhouse, Loft, etc.), Single Family Home
- Age:1985 to 1993
- Sq. Ft.:1,060 to 1,710Sq. Ft.
- Bedrooms:2 to 3Bedrooms
- Bathrooms:2Bathrooms
Neighborhood Amenities
This community has numerous amenities available for residents to enjoy. Residents will enjoy a pool as one of the top luxurious amenities. Luxury is found in every corner of this community, and especially in its center, where you'll find its clubhouse.
Homes for Sale
Admiralty Yacht Racquet Club is largely a condo community. This is a varied community, with homes representing a wide range of time periods and styles. In general, homes in Admiralty Yacht Racquet Club are about $125,000 – $500,000 and sit on quarter-acre lots with two bedrooms and two bathrooms. The most common type of parking is carport.
Disclaimer: School attendance zone boundaries are supplied by Maponics and are subject to change. Check with the applicable school district prior to making a decision based on these boundaries.


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"China is facing an ecological and health crisis. Heavy air pollution contributes to respiratory illnesses that kill up to 300,000 people a year, many in cities but also in rural areas, the World Bank estimates. Liver and stomach cancer, linked in some studies to water pollution, are among the leading causes of death in the countryside. "
This is from today's New York Times.


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When the temperature hits 20c or more the pool can get extremely busy. We have a maximum capacity limit that we must observe.
On days where maximum capacity of the pool is reached, rather than operating a 'one-in one-out' system, we instigate a 'banding system' to ensure that all customers can gain access to the facility and enjoy time in the pool.
This means that on extremely busy days, time in the pool maybe restricted to either 15 minutes or 30 minutes per hour per person depending on the number of visitors on the day. If implemented, this will be relayed to the public whilst they are queuing, and across this website and our social media.
If you are planning to visit us on hot days, please ensure you bring:
- a drink
- a hat or umbrella to shelter from the sun
- sunscreen
You may also find that you are in the queue for a period of time - there are no amenities - so please come prepared.


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An investigation is to be held into how a London Underground train travelled with 11 doors wide open.
Investigation into Jubilee line open-door Tube journey
The Jubilee Line service had passengers on board as it moved at full speed between Finchley Road and West Hampstead on 1 September.
The Rail Accident Investigation Branch (RAIB), which will carry out the probe, said the train operator was "unaware" the doors were open.
Transport for London (TfL) said it welcomed the investigation.
Footage of the train shared online by @roryfergusbrown was viewed thousands of times.
Trains on the Underground network travel at an average speed of 20mph (33kmph), according to TfL.
The journey between the two stations in north-west London usually takes about one minute.
The train driver "mistakenly used a cut-out switch that bypassed a circuit designed to prevent the train from being driven with any door open" after a fault developed in the computerised train control system, the RAIB said .
When the train arrived at West Hampstead station, the train operator was made aware of the situation by a passenger and reported it to control room staff. The train was then taken out of service.
No-one fell out of the carriages, and there were no reported injuries or damage.
The RAIB's investigation will identify the "sequence of events that led to the incident" and publish the findings on its website.
London Underground is carrying out its own investigation, which is due to conclude by the end of October, according to its network operations director Nigel Holness.
Mr Holness said: "We welcome confirmation from the Rail Accident Investigation Branch that they will be investigating an incident that occurred on the Jubilee line on 1 September."


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Home Plans
Home is where the heart is…
Vente at Tracy Hills Information
In the market for a new home in Tracy, CA? If so, take a moment to view Vente at Tracy Hills from Shea Homes. This single-family home neighborhood features floorplans with 2,552-3,451 Sq. Ft., 3-6 Bedrooms, and 2.5-3.5 Bathrooms. You can own a house in this development today pricing coming soon. Stop by our model showroom during normal business hours to see each of these homes in person.
From the Builder
Set in the rolling foothills of southwest Tracy, California, Vente is an outstanding neighborhood of new homes within the brand new master-planned community of Tracy Hills. Here, natural beauty abounds with 180 acres of planned open space, parks, trails, and play areas throughout the Tracy Hills new home community. Close, easy access to the 580 Freeway and Altamont Commuter Express Station make for an easy trip to nearby Tri-Valley and Silicon Valley business centers. When it's time to unwind, the friendly city of Tracy California, is home to a thriving arts scene with plenty of great festivals and events.
Vente at Tracy Hills Amenities & Local Attractions
Coming Soon…
Vente at Tracy Hills Location & Contact Details
Tracy, CA 95377
Driving Directions
About Shea Homes
Shea Homes has become a trusted name in homebuilding by loyal customers in several states. The company provides amenities for all ages and lifestyles within each and every community they break ground on. Shea often participates in master-planned communities, constructing townhouses, energy-efficient/green homes, and age-restricted neighborhoods. Developments across the country typically have tree-lined streets, community pools, clubhouses, bike and jogging paths, plus sports facilities.


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Crispy Sweetpotato Fries with Blue Cheese Dressing
- 5 pounds sweetpotatoes, about 7, cut into 1/2-inch matchsticks
- 1/3 cup olive oil
- 1/2 cup flour
- 1 tablespoon salt
- For the Blue Cheese Dressing:
- 1 cup sour cream
- 1/2 cup buttermilk
- 1/2 pound blue cheese, divided
- 2 tablespoons minced yellow onion
- 1 tablespoon fresh lemon juice
- 1 tablespoon Worcestershire sauce
- 1 teaspoon minced fresh garlic
- 1/2 teaspoon salt
- 1/4 teaspoon hot sauce
- Preheat oven to 450º Line 2 baking sheets with aluminum foil; spray with nonstick cooking spray.
- In large bowl, combine sweetpotatoes, oil, flour and salt; toss until well-coated.
- In a single layer, spread sweetpotatoes on foil without overcrowding. Bake until cooked and crisp, about 20 minutes, stirring halfway through. Repeat with remaining sweetpotatoes.
- To make Blue Cheese Dressing: In a blender, place sour cream, buttermilk, half of the blue cheese, onion, lemon juice, Worcestershire, garlic, salt and hot sauce; whirl until smooth. Remove to bowl. Add remaining cheese; mix with spoon.
Number of servings (yield): 8 (4 cups of dressing)


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Oklahoma City, Okla.-based BMSI Holdings, the holding company for BancInsure Inc., announced a number of promotions and appointments.
Rodney N. Sargent was appointed president of BMSI Holdings and chief executive officer of the companies, and was elected a director of the company.
Barbara A. Ewing was appointed president and chief operating officer for BancInsure. She was also elected as a director of BMSI Holdings.
Cynthia F. McInerney was appointed executive vice president, chief financial officer, secretary, and treasurer for BMSI Holdings and all subsidiary companies. McInerney was also elected as a director of the company.
Sargent joined the company in December 2006 as president of BMSI Marketing Inc., the sales and marketing arm for BancInsure. His experience includes executive management with several national insurers, including executive roles with Seattle-based Safeco as corporate marketing officer and corporate e-commerce officer. Sargent was also the vice president of Marketing for the property/casualty companies of United Services Automobile Association (USAA). Prior to joining BancInsure, Sargent was corporate vice president and chief marketing officer for Argonaut Group.
Ewing was most recently the vice president of Bond and Professional Liability Underwriting for BancInsure, joining the company in May 2006. She has held a number of leadership roles with Zurich North America Financial Enterprises (formerly The Fidelity & Deposit Company of Maryland).
McInerney has been with BancInsure since its founding in 1985, serving as secretary, treasurer and chief financial officer since 2003.
Texas-based Insurors Group named William (Bill) Hertel as its new president. Hertel has been a member of the Insurors Group since 2001. Insurors Group was recently ranked as the 26th largest independent insurance agency in the nation by Insurance Journal (April 2006).
As president, Hertel will be responsible for setting and reaching goals that help advance the overall direction of the organization.
He is the owner of Hertel Insurors Group LLP with offices in Austin, Fort Worth and Lubbock, Texas.
David Henson joined McQueary Henry Bowles Troy L.L.P. in its Dallas office as vice president in the property and casualty group.
Henson has spent 20 years in the insurance business. Prior to joining MHBT, he served as vice president and national accounts regional manager for AIG. Before that position, Henson was AIG's regional excess casualty manager, with responsibility for handling middle-market, commercial and national accounts. Henson has also served as regional vice president for CNA Re.
MHBT also added Tommy Hitzfeld in its Dallas office as vice president and director of worksite marketing in the employee benefits group.
An insurance industry veteran with more than 35 years of experience, Hitzfeld most recently served as regional vice president of Summit Alliance Financial. He also held general manager and sales director posts in Summit's Houston office, assuming responsibility for product and brokerage services for transactional and high-end sales.
Previously he was at Transamerica Worksite Marketing, where he developed proprietary products for specialized markets and implemented high-tech enrollment systems.
Insurance industry veteran J. John Wortman, was selected to take over Louisiana's state-controlled Citizens Property Insurance Corp.
Wortman is CEO and owner of Wortman Capital Associates, which consults with insurance companies. He is president and a board member of Fortune Financial Inc., which manages a company that provides workers' compensation insurance in Oklahoma and Florida.
Louisiana Commissioner of Insurance Jim Donelon said Wortman was divesting himself of his interest in those companies and will work full-time at Citizens. He takes over from former CEO Terry Lisotta.
Gina A. Wood joined The Republic Group, a Dallas-based regional insurer, as its new auto product manager. In this newly created position, Wood will focus on product development, ease-of-doing-business, and growth and performance of its personal auto line.
Wood began her career with Allstate Insurance Co. in Texas as a personal lines underwriter. She eventually transferred to Allstate's home office in Chicago.
Specialty insurance and brokerage provider Burns & Wilcox promoted Jennifer Shumate to underwriter in the company's Arlington, Texas, office. Previously, Shumate was a production assistant in commercial lines. She joined the company in 2003.
All Risks Ltd., a national independent wholesale broker and managing general agent headquartered in Hunt Valley, Md., added Elaine Garner and Julie Arsuaga to its Dallas, Texas, office.
Garner brings 20 years of experience in the property/casualty industry, both retail and surplus lines. She most recently worked as a senior marketing representative for medium to large accounts.
Arsuaga joins All Risks as a professional liability broker. She brings 24 years of insurance and related industry experience, the last 11 years working as a senior broker for a multi-state professional liability brokerage firm.
Southwest Business Corporation (SWBC) announced that SWBC Insurance Services account executive, Erin Dunham, has been nominated for Young Agent of the Year by the Independent Insurance Agents of Texas. Dunham is one of two women on the list of 10 nominees and is also the youngest. She has been with SWBC for nearly four years.
San Antonio-based SWBC also announced that that, Tony Bruns, employee an benefits account executive, has received his Insurance Counselor license. Bruns' certification means he can handle fee-based consulting. Bruns has worked in the employee benefits field for 12 years, and has been with SWBC for 6 years.
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