1、大学英语六级模拟试卷 131及答案与解析 一、 Part I Writing (30 minutes) 1 1. 在校大学生炒股的现象在一些地主很普遍 2. 有人认为这种行为不利于学生的学习也有人认为这种行为也能让学生有所收获 3. 你的观点 Buying and Selling Stocks as a Student 二、 Part II Reading Comprehension (Skimming and Scanning) (15 minutes) Directions: In this part, you will have 15 minutes to go over the pas
2、sage quickly and answer the questions attached to the passage. For questions 1-4, mark： Y (for YES) if the statement agrees with the information given in the passage; N (for NO) if the statement contradicts the information given in the passage; NG (for NOT GIVEN) if the information is not given in t
3、he passage. 2 Protect Your Nest Its never too early to 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 essentials-r
4、etirement savings, insurance coverage and estate planning. 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 us. How can you avoid the “should have, could have, would ha
5、ve“ scenario? By putting these three items at the top of your “to do“ list-protect your future, protect your family and protect your legacy (遗产 ). Protect Your Future The national savings rate averaged around 0.4% for the first half of this year, according to the U. S. Department of Commerce, meanin
6、g Americans spent a shopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dropped below zero. We all know we should save more. But with so many goals to save for-a house, the kids college tuition, your retirement, occasional vacations and a small emergency fund-
7、its easy to feel theres just not enough money to do it all. Budget. 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 on-and stock those savings away. “Every month you have to pay yourself first,“ says Joe Moglia,
8、 CEO of Ameritrade. “Take a little out of your paycheck.“ It doesnt have to be much-it could be foregoing(放弃 ) that extra lattice or getting the DVD free at the library. Retirement. Just about every survey of American investors these days shows that retirement is a main reason for saving. Yet an ast
9、ounding number of people ignore the opportunities offered by employment-based 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 the
10、ir employers matching contribution-the closest thing to free money in the retirement savings universe. Consider it money that grows without being taxed. Emergency reserves. Many financial planners recommend that you have enough money in a savings or money-market account for at, least six to nine mon
11、ths of essential expenses, including your mortgage or rent, insurance premiums, 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 once you are confronted with emergency situations. For exam
12、ple, if the ATMs in your neighborhood are out, you can have enough to cover your immediate needs for a week or so. Protect Your Family A major illness, an extended disability (残疾 ) or the loss of a job could wipe out your financial reserves and any prospect of being able to save enough to achieve yo
13、ur other life goals. Heres what you need to protect your savings: Health insurance. A recent 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. Only people over 65 are entitled to the medicare. So people u
14、nder that age face enormous bills and many of them lack insurance. If your company provides medical benefits, you have the most cost-efficient coverage available. Sign up. If youre responsible for your own medical insurance ,you may want to look into health savings accounts ( HSAs ), a combination o
15、f a high deductible health plan and a tax-deductible savings account allocated to 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
16、usually covered by conventional health insurance plans. Disability insurance. 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 em
17、ployee benefits plan, either as paid sick leave or actual disability payments 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. Life insurance. If your fa
18、mily member dies prematurely, a life-insurance policy will provide immediate funds for funeral 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.
19、 Employers frequently offer coverage as part of their benefits package. Protect Your Legacy One of the most thoughtful legacies that anyone call 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 tha
20、t with the right advance directives (指示 ) and documents: A will. Over half of the adult population in this country dies without a will. This is not just senseless; its downright irresponsible. “If you die without a will, “says Karin Barkhorn, an estate planning attorney at Bryan Cave LLP,“ the state
21、 determines how your assets are dispersed.“ Whats more, the government could end up collecting a lot more tax than necessary. 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. The agonizing T
22、erri Schiavo case earlier this year showed how the absence of a living will can rip a family apart. Health care providers are generally required to comply with the wishes you describe in your living will. Durable power of attorney. This document authorizes a loved one to make financial decisions on
23、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 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
24、,“ says Raasch. “If any of your assets are held in your name only, your spouse cant touch 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-la
25、w attorney, you can cover the basics on your own with software such as Quicken s WillMaker Plus or Kiplingers WillPower. Retirement savings. Insurance coverage. Estate planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today. 2 Why do we fail to
26、 attend to our family financial well-being? （ A） Because we dont know what family financial well-being is. （ B） Because we focus too much on developing family relationships. （ C） Because we think work is much more important. （ D） Because we think it neednt be dealt with immediately. 3 We work out a
27、budget so as to _. （ A） avoid unnecessary spending （ B） buy the favorite DVD （ C） earn more credits （ D） spend freely on favorite things 4 What is the advantage of the retirement savings? （ A） Government withdraws a light tax on the retirement savings. （ B） Employees can get money as the retirement
28、savings from their employers. （ C） Anyone with the retirement savings is qualified for a 401K plan. （ D） More than 50% Americans enjoy free money in the retirement savings. 5 We are advised to leave some cash at home to _. （ A） feed the ATMs around our neighborhood regularly （ B） pay for the utility
29、 and grocery bills （ C） cope with sudden and serious situations （ D） prove we have the ability to pay for necessities 6 Which group of people are advised to hold s health insurance? （ A） Those who cant afford the medical debts. （ B） Those who run private businesses. （ C） Those who are above 65 years
30、 old. （ D） Those who are under 65 years old. 7 The disability insurance obtained by the employee benefits plan is _. （ A） not enough for a decent living （ B） quite enough for a decent living （ C） better than the salary by working regularly （ D） as equal as your original weekly salary 8 What can a li
31、fe insurance do to a child? （ A） It can provide protection for their health. （ B） It offers money on the funeral without delay. （ C） It supports the dally life of other family members. （ D） It compensates for the parents care for the child. 9 The government has to decide how to arrange peoples asset
32、s if they _. 10 Once a person is too weak or loses the ability to do things, a living will is a reliable document for required _. 11 Under your durable power attorney, if you are unable, a person can be given the authority to _. Section A Directions: In this section, you will hear 8 short conversati
33、ons and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the conversation and the questions will be spoken only once. After each question there will be a pause. During the pause, you must read the four choices marked A, B, C and D,
34、and decide which is the best answer. （ A） 9. （ B） 18. （ C） 12. （ D） 36. （ A） To his home. （ B） To her home. （ C） To go to the picnic. （ D） To go shopping. （ A） Take the medicine as she was directed to do. （ B） Schedule another appointment with her doctor. （ C） Stop taking the medicine. （ D） Rest her
35、 back for a few days. （ A） They bought the motorbike. （ B） They had no time. （ C） They didnt want a refrigerator. （ D） Theres nothing wrong with the old one. （ A） Typing. （ B） Drawing a picture. （ C） Doing exercise. （ D） Playing the piano. （ A） Hell give the quiz at a later time. （ B） The quiz will
36、be very short. （ C） The quiz wont be ready until Thursday. （ D） Hell score the quiz quickly. （ A） He never does things early. （ B） He has already finished it. （ C） He isnt going to finish it. （ D） He will finish it in a few minutes. （ A） Business associates. （ B） Boss and secretary. （ C） Teacher and
37、 student. （ D） Good friends. （ A） The employer and employee. （ B） The interviewer and interviewee. （ C） The teacher and student. （ D） The police officer and driver. （ A） She didnt yield to children crossing the road. （ B） She parked illegally near the school. （ C） She exceeded the speed limit. （ D）
38、She was drunk-driving. （ A） The woman gets a ticket. （ B） The man arrests the woman. （ C） The woman is taken to court. （ D） The woman ran away. （ A） To find out if she has the flu. （ B） To find out how to maintain a nutritious diet. （ C） To find out how to prevent illness. （ D） To find out the resul
39、ts of a blood test. （ A） She gets ill at the same time every year. （ B） She doesnt get enough exercise. （ C） She often has difficulty sleeping. （ D） Shes sick with influenza throughout the winter. （ A） Shes too stressed. （ B） She doesnt get enough rest. （ C） She doesnt eat nutritious food. （ D） She
40、stays in crowded places too long. （ A） Physical examinations are given free there. （ B） She can get an influenza vaccination there. （ C） Shell be able to get a prescription there. （ D） Shell find literature on nutrition there. Section B Directions: In this section, you will hear 3 short passages. At
41、 the end of each passage, you will hear some questions. Both the passage and the questions will be spoken only once. After you hear a question, you must choose the best answer from the four choices marked A, B, C and D. （ A） People can use nearly 75 percent of it. （ B） People can use about 97 percen
42、t of it. （ C） People can use exactly 3 percent of it. （ D） People can use less than 3 percent of it. （ A） We can invent ways of increasing rainfall. （ B） We can develop ways of reusing water and utilizing sea water. （ C） We can cut down our consumption of water. （ D） We can reduce the number of fact
43、ories producing steel. （ A） By filtering sea water. （ B） By treating sea water with chemicals. （ C） By taking salt out of sea water. （ D） By drying up sea water. （ A） Words and phrases. （ B） Culture. （ C） Individuals. （ D） Misunderstanding. （ A） Understand what their staff are feeling by understandi
44、ng their body language. （ B） Learn more the cultural background of their staff through their body language. （ C） Create good working conditions by using proper body language. （ D） Spend a lot of time in studying body language. （ A） It stands for hostility. （ B） It is not normal. （ C） It is an invasi
45、on of space. （ D） It means intimacy between two people. （ A） On April 26, 1611. （ B） On April 23, 1611. （ C） On April 26, 1616. （ D） On April 23, 1616. （ A） In 1585. （ B） In 1584. （ C） In 1583. （ D） In 1586. （ A） People know almost nothing about Shakespeares early life. （ B） Shakespeare was already
46、well known before he went to London. （ C） People know a lot about Shakespeares life in London. （ D） People know only a little about Shakespeares life in London. （ A） Shakespeare was not interested in making a profit. （ B） Shakespeare could get one-tenth of the profits of the Globe Theater. （ C） Shak
47、espeare, like his fellow writers, had no business sense. （ D） Shakespeares fellow writers shared the same profits as he did. Section C Directions: In this section, you will hear a passage three times. When the passage is read for the first time, you should listen carefully for its general idea. When
48、 the passage is read for the second time, you are required to fill in the blanks numbered from 36 to 43 with the exact words you have just heard. For blanks numbered from 44 to 46 you are required to fill in the missing information. For these blanks, you can either use the exact words you have just
49、heard or write down the 37 There are two basic ways to see growth: One as a product, the other as a process. People have【 B1】 viewed personal growth as an external result or product that can easily be identified and measured. By contrast, the process of personal growth is much more difficult to determine, since by【 B2】 it is a journey and not the specific signposts or landmarks along the way. The process is not the road itself, but rather the attitudes and feelings pe
