1、大学英语六级 194及答案解析(总分：448.02，做题时间：132 分钟)一、Part I Writing (3(总题数：1，分数：30.00)1.For this part, you are allowed thirty minutes to write a letter to your cousin Tom. You should write at least 150 words, and base your letter on the situation given below: Tom刚刚考上大学，不适应大学的学习和生活，为此，他写信给你(大三学生)向你请教。你回信给他向他讲你的大学
2、学习和生活经验。 （分数：30.00）_二、Part II Reading C(总题数：1，分数：71.00)Here are nine fail-proof (奏效的) ways to ensure your familys financial well-being. What to Do Today “Your dads in a bad way. Youd better come home immediately.“ In the days and months after Catherine Fredman got the phone call from her fathers nei
3、ghbor, the self-employed writer and her sister, a college professor, agonized (感到苦恼) over their fathers medical condition and treatment choices. But they never had to worry about compromising his care because of the cost. “Thank goodness my father had bought long-term-care insurance,“ Fredman says.
4、“He was in hospitals and rehab facilities (康复中心)for eight months recovering from Lyme disease. The long-term-care insurance paid more than $20,000 that would not have been covered by Medicare and his supplemental health insurance.“ Its never too early to protect your familys financial well-being. Ye
5、t because most of us are so busy juggling work and family commitments, we tend to neglect the things that dont require immediate attention. Some day, we think, well take care of the three essentialsretirement savings, insurance coverage and estate planning. Unfortunately, emergencies can strike and
6、then its too late. “Failure to plan is a huge mistake,“ Barbara Raasch, managing director at Wealth and Tax Advisory Services, Inc. , told me. How can you avoid the “should have, could have, would have“ scenario? By putting these three items at the top of your “to do“ listprotect your future, protec
7、t your family and protect your legacy. Protect Your Future The national savings rate averaged around 0.4% for the first half of 2005, according to the U.S. Department of Commerce, meaning Americans spent a whopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dr
8、opped below zero. We all know we should save more. But with so many goals to save fora house, the kids college tuition, your retirement, occasional vacations and a small emergency fundits easy to feel theres just not enough money to do it all. 1. Budget. The first step is to create a budget. Once yo
9、u know what youre spending your money on, you can figure out what you dont need to spend it onand sock those savings away. “Every month you have to pay yourself first,“ says Joe Moglia, CEO of Ameritrade. “Take a little out of your paycheck. “ It doesnt have to be muchit could be foregoing that extr
10、a latte or getting the DVD free at the library. 2. Retirement. Just about every survey of American investors these days shows that retirement is a main reason for saving. Yet an astounding number of people ignore the opportunities offered by employment-based retirement plans. According to a recent s
11、urvey by Aon Consulting, more than 20% of those eligible for a 401k plan do not participate at all, while another 53% do not save at a rate high enough to take full advantage of their employers matching contributionthe closest thing to free money in the retirement savings universe. Consider it money
12、 that grows without being taxed. 3. Emergency reserves. Many financial planners recommend that you have enough money in a savings or money-market account for at least six to nine months of essential expenses, including your mortgage or rent, insurance premiums, credit card payments, utility and groc
13、ery bills and other fixed expenses, such as car payments or student loans. And its always a good idea to have cash on hand. During the blackout of 2003, the ATMs in my neighborhood were out, but we had about $ 500 in the house, enough to cover our immediate needs for a week or so. Protect Your Famil
14、y A major illness, an extended disability or the loss of a job could wipe out your financial reserves and any prospect of being able to save enough to achieve your other life goals. Heres what you need to protect your savings: 4. Health insurance. A recent study of court records and direct interview
15、s indicated that about half of personal bankruptcies in the U.S. are caused in part by medical debts. A relative of mine is about to have her hip replaced and because shes over 65. Medicare is paying for it. But people under that age face enormous billswhen a child needs an appendectomy, for instanc
16、eand many of them lack insurance. A doctor in New York told me he recently performed heart bypass surgery on a 30-year-old man. His total bill, including surgery and the 10-day stay, came to $100,000. Luckily his insurance covered it. If your company provides medical benefits, you have the most cost
17、-efficient (节省成本的) coverage available. Sign up. If youre responsible for your own medical insurance, you may want to look into Health Savings accounts (HSAs), a combination of a high deductible health plan and a tax-deductible savings account allocated to health care expenses. The funds in the accou
18、nt grow tax-free and can be withdrawn tax-free to pay for any qualified medical expenses, including over-the-counter medications, dental care, eyeglasses and other costs not usually covered by conventional health insurance plans. 5. Disability insurance. Over 80% of Americans dont have adequate disa
19、bility coverage, according to a survey by the Consumer Federation of America and the American Council of Life Insurers. You may already have disability insurance through your employee benefits plan, either as paid sick leave or actual disability payments if youre unable to work for an extended perio
20、d of time. But these programs tend to pay far less than your weekly salary. For the self-employed, having a financial safety net is even more crucial. 6. Life insurance. If you die prematurely, a life-insurance policy will provide immediate funds for funeral expenses, and may help replace your lost
21、income. “Life insurance isnt a priority if you are single, but if you have a spouse or dependents, you want to make sure theyre taken care of,“ says Barbara Raasch. Employers frequently offer coverage as part of their benefits package. Protect Your Legacy One of the most thoughtful legacies that any
22、one can leave is peace of mind. No one wants to mar the memory of a loved one with “I think this is what Mom wanted but she never said doubts“. You can prevent that with the right advance directives and documents: 7. A will (遗嘱). Over half of the adult population in this country dies without a will.
23、 This is not just senseless; its downright irresponsible. If you die intestate, or without a will, says Karin Barkhom, an estate planning attorney at Bryan Cave LLP, “the state determines how your assets are dispersed. “ Whats more, the government could end up collecting a lot more tax than necessar
24、y. 8. A living will. Also known as a health care directive, a living will specifies what medical measures should be used to keep you alive if you are incapacitated. Quiet a few agonizing cases have showed how the absence of a living will can rip a family apart. Health care providers are generally re
25、quired to comply with the wishes you describe in your living will. 9. Durable power of attorney. This document authorizes a loved one to make Financial decisions on your behalf should you become unable. It allows someone to renew your CD at the bank, pay bills, sell stock or even sell your home or b
26、usiness, based on the agents determination of what is best for you. “ If you are in the hospital and cannot pay your bills or sign a check, someone will have to do it,“ says Raasch. “If any of your assets are held in your name only, your spouse cant touch that money unless the court appoints him gua
27、rdian. The emotional turmoil of your loved ones having to go to court will only add to your misery. “ Although its best to have these documents prepared by a family-law attorney, you can cover the basics on your own with certain computer software programs. Retirement savings. Insurance coverage. Est
28、ate planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today. （分数：71.00）(1).Health Savings Accounts offer you the most cost-efficient medical coverage.（分数：7.10）A.YB.NC.NG(2).Disability insurance can completely cover your loss.（分数：7.10）A.YB.NC.NG
29、(3).Life insurance is useless for someone who is single.（分数：7.10）A.YB.NC.NG(4).The government takes much advantage from ones assets when he passes away without a will.（分数：7.10）A.YB.NC.NG(5).Catherine Fredman was not worried about paying Mr. Fredmans_.（分数：7.10）_(6).Nowadays people are so busy with th
30、eir daily routines that they neglect to_.（分数：7.10）_(7).A lot of American go broke due to_.（分数：7.10）_(8).To leave the peace of mind to the family, it is wise to_.（分数：7.10）_(9).Once you have a health care directive, the health providers_.（分数：7.10）_(10).If you want to authorize someone to make your fin
31、ancial decision, you need to_.（分数：7.10）_三、Listening Comprehens(总题数：1，分数：15.00)A.A new restaurant.B.A new hotel.C.A new hospital.D.A new airport.A.He read the newspaper.B.One of his students told him.C.He listened to a radio report.D.He attended a cabinet meeting.A.Go to a fast food place with the ma
32、n.B.Eat after her class.C.Join some friends for a quick meal.D.Get to her class early.A.He is sick.B.He is worried.C.He is confident.D.He is angry.A.He will owe $160.B.He will owe $150.C.He will owe $110.D.He will owe $50.A.She finds reading the newspapers rarely pleasurable.B.She prefers reading th
33、e newspaper when she gets the time.C.She enjoys reading fiction but rarely get the time.D.She likes reading rare books for pleasure.A.Spanish.B.Chinese.C.Japanese.D.Arabic.A.John should not talk to Bill anymore.B.John should tell Bill not to think negatively.C.John should take Bills remarks seriousl
34、y.D.John should pay little attention to what Bill says.四、Section A(总题数：2，分数：10.00)A.She attended one of its meetings.B.Her roommate is a member of it.C.She saw the members protesting.D.She read about it in the newspaper.A.Secure more student parking spaces.B.Preserve an open space on campus.C.Get mo
35、re funding for their group.D.Schedule a meeting with college administrators.A.Go to class.B.Go on a picnic.C.Attend a meeting.D.Attend the rally.A.Help the man plan a student rally.B.Use the student parking lot.C.Make a donation to support the group.D.Sign a petition.A.Three hour and a half.B.Thirty
36、 minutes.C.Four hours.D.180 minutes.A.Beside the door.B.On the desk.C.In her hands.D.Near the desk.A.The waiter.B.The clerk.C.Nobody.D.The woman herself.五、Section B(总题数：3，分数：30.00)A.In 1938.B.In 1946.C.In 1955.D.During the World War II.A.It reflects commercial interests.B.It is a fashionable profess
37、ional event.C.It is an essential affair for international cinema.D.It is more concerned with the art of film than with financial.A.It is awarded to the best film of the festival.B.It was introduced in 1959.C.It was introduced by a commercial organization.D.Only American directors have received this
38、award.A.To predict natural disasters that can cause vast destruction.B.To limit the destruction that natural disasters may cause.C.To gain financial support from the United Nations.D.To propose measures to hold back natural disasters.A.There is still a long way to go before man can control natural d
39、isasters.B.International cooperation can minimize the destructive force of natural disasters.C.Technology can help reduce the damage natural disasters may cause.D.Scientists can successfully predict earthquakes.A.There were fatal mistakes in its design.B.The builder didnt observe the building codes
40、of the time.C.The traffic load went beyond its capacity.D.It was built according to less strict earthquake-resistance standards.A.Their term.B.Their duties.C.Their function.D.Their composition.A.The senate in Britain is older.B.There are more senate members.C.The senate in US is more practical.D.The
41、 senate in Britain is not elected.A.Every 2 years.B.Whenever one dies or must resign.C.Every 6 years.D.Every 4 years like the president.六、Section C(总题数：1，分数：10.00)The question of whether war is inevitable is one which has concerned many of the worlds great writers. Before (36) 1 this question, it wi
42、ll be useful to introduce some related concepts. Conflict, defined as opposition among social entities directed against one another is (37) 2from competition, defined as opposition among social entities (38) 3striving for something which is in inadequate supply. Competitors may not be aware of one a
43、nother, while the parties to a conflict are. Conflict and vice of one another. Opposition is thus (39) 4with cooperation, the process by which social entities function in the (40) 5of one another. These definitions are necessary because it is important to emphasize that competition between (41) 6 or
44、 groups is inevitable in a world of limited resources, but conflict is not. Conflict, (42) 7, is very likely to occur, and is probably an (43) 8 and desirable element of human societies. Many authors have argued for the inevitability of war from the premise that in the struggle for existence among a
45、nimal species, only the fittest survive. In general, however this struggle is natures competition, not conflict. Social animals, such as monkeys and cattle, fight to win or maintain leadership of the group. (44) 9. Those who fail in competition starve to death or become victims to other species. Thi
46、s struggle for existence does not resemble human war, but rather the competition of individuals for jobs, markets, and materials. (45) 10. Among nations there is competition in developing resources trades, skills, and a satisfactory way of life. (46) 11. While it is true that this competition may induce efforts to expand territory at the expense of others, and thus lead to conflict, it cannot be said that war-like conflict among nations is inevitable, although competition is. （分数：10.00）填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_七
