1、大学英语六级 248及答案解析(总分：447.99，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 30 minutes to write a composition on the topic Harmfulness of Fake Commodities. You should write at least 150 words and you should base your composition on the outline ( given in Chinese) below:
2、 1目前社会上有不少假冒伪劣商品，为什么会有这种现象? 2举例说明假冒伪劣商品对消费者个人、社会等的危害。 （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 Fr
3、edman got the phone call from her fathers neighbor, 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 bou
4、ght long-term-care insurance,“ Fredman says. “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
5、protect your familys financial well-being. Yet 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 plannin
6、g. Unfortunately, emergencies can strike and 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
7、 your “to do“ listprotect your future, protect 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
8、more frightening, in July the savings rate dropped 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.
9、The first step is to create a budget. Once you 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 h
10、ave to be muchit could be foregoing that extra 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-ba
11、sed retirement plans. According to a recent survey 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 r
12、etirement savings universe. Consider it money 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 pre
13、miums, credit card payments, utility and grocery 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 immedia
14、te needs for a week or so. Protect Your Family 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 recen
15、t study of court records and direct interviews 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 billswh
16、en a child needs an appendectomy, for instanceand 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 prov
17、ides medical benefits, you have the most cost-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
18、 health care expenses. The funds in the account 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.
19、Over 80% of Americans dont have adequate disability 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
20、if youre unable to work for an extended period 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 fune
21、ral expenses, and may help replace your lost 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
22、 One of the most thoughtful legacies that anyone 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 po
23、pulation in this country dies without a will. 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 e
24、nd up collecting a lot more tax than necessary. 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
25、apart. Health care providers are generally required 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
26、bills, sell stock or even sell your home or business, 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
27、 that money unless the court appoints him guardian. 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
28、. Retirement savings. Insurance coverage. Estate 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 c
29、ompletely cover your loss.（分数：7.10）A.YB.NC.NG(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：
30、7.10）_(6).Nowadays people are so busy with their 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 y
31、ou want to authorize someone to make your financial decision, you need to_.（分数：7.10）_三、Listening Comprehens(总题数：1，分数：15.00)A.Buy some traveller s checks.B.Borrow some money from a friend.C.Check the brakes and tires.D.Spend some time travelling.A.He is very forgiving and tolerant.B.He probably has a
32、 poor memory.C.He is well liked by his customers.D.He has been introduced to the staff.A.He thinks the book should include more information.B.He doesnt think it necessary to provide the answers.C.The answers will be added in a later edition.D.The book does include the answers.A.Announce appeals for
33、public service.B.Hold a charity concert to raise money.C.Ask the school radio station for help.D.Pool money to fund the radio station.A.She talked with the consultant about the new program until two.B.She couldnt talk to the consultant before two.C.She would talk to the consultant during lunch.D.She
34、 couldnt contract the consultants secretary.A.They are equally competent for the job.B.They both graduated from art schools.C.They majored in different areas of art.D.They are both willing to draw the posters.A.At a book store.B.At an art museum.C.At a newspaper office.D.At a gymnasium.A.The woman r
35、eceived a phone call from Mark yesterday.B.The man injured Mark in a traffic accident yesterday.C.The man met a friend by chance.D.The woman contacted Mark on business.A.The man should stay up and watch the program.B.The man should read something exciting instead.C.The man should go to bed at eleven
36、.D.The man should give up watching the movie.A.Students with a library card can check any book out.B.Reference books are not allowed to be checked out.C.Only students with a library card can check out reference books.D.The number of books a student can check out is unlimited.四、Section A(总题数：2，分数：10.
37、00)A.How to lose weight.B.Street dance.C.Exercising in a gym.D.Dancing music.A.Street dance was introduced into China in 1990.B.Street dance is more tiring than normal aerobics.C.Street dance uses its music, its basic movements, and also its freedom for self-expression.D.The music for street dance i
38、s not the dancing music that an aerobics class usually uses.A.Because he wants to keep fit.B.Because he thinks it is a good way to relax.C.Because he wants to make more friends.D.Because he wants to teach others.A.A more economical diesel fuel.B.Characteristics of a new type of fuel.C.Where a new en
39、ergy source is located.D.How to develop alternative energy sources.A.Hes studying for a test.B.He lost his notes.C.He missed the class.D.Hes doing research on alternative.A.To help him explain the information to his roommate.B.To help him write a paper.C.To prepare for a test.D.To tell her if the no
40、tes are accurate.五、Section B(总题数：3，分数：30.00)A.Scholarship.B.Language talent.C.Screening system.D.Scholastic ability.A.Learn the important aspect of American life.B.Bring returns back to his native land.C.Improve his language ability.D.Earn enough money to support his study.A.Become a member of the C
41、ommittee for the Exchange of Foreign Students.B.Find the organization sponsoring him.C.Learn how to get accustomed to the life in the United States.D.Stay in a foreign country for six months.A.For scientific study.B.For field guides.C.For entertainment.D.For some film background sounds.A.Its difficu
42、lt to find birds for recording.B.Its difficult to find quiet areas for recording.C.Its difficult to find animals for recording.D.Its difficult to find mammals for recording.A.Attracting mates.B.Staking their territories.C.Hearing each other.D.Sleeping.A.By greeting each other very politely.B.By exch
43、anging their views on pubic affairs.C.By displaying their feelings and emotions.D.By asking each other some personal questions.A.Refrain from showing his feelings.B.Express his opinion frankly.C.Argue fiercely.D.Yell loudly.A.Getting rich quickly.B.Distinguishing oneself.C.Respecting individual righ
44、ts.D.Doing credit to ones community.六、Section C(总题数：1，分数：10.00)When you have a dog it is necessary to care for it very carefully. In return, you will be loved by your dog; the most important part of dog-care is (36) 1. Not only does the dog have to be kept clean. His environment should also be clean
45、. The bed he sleeps in can be made with anything like a rug or a dog mattress, as long as it is kept clean and put in a place where there are no drafts. (37) 2 is also important to your dogs health. Heavy aluminum (38) 3pans are best since they cannot (39) 4or break. A dog should be fed in the same
46、place and on a regular (40) 5. During time it should be (41) 6. If your dog refuses to eat, dont (42) 7him. Remove his food and dont feed him again until his next regular . Food should never be left before a dog for more than thirty minutes under any (43) 8. If he does not eat over a long period of
47、time, your dog should be taken to a veterinarian. Another important thing is to keep fresh water available to the dog during hot weather. (44) 9. Vigorous exercise helps build strength and keeps the dog healthy. (45) 10. Large dogs, though, require a run in an open field. There are other things that are also important for a dogs health things like bathing, care of teeth and nails, keeping them away from insects as much as po
