1、大学英语六级模拟试卷 231及答案与解析 一、 Part I Writing (30 minutes) 1 Directions: For this part, you are allowed 30 minutes to write a composition on the topic Aging of the Population. You should write at least 150 words according to the outline given below in Chinese. 1. 我国人口老龄化现象日趋普遍； 2人口老龄化给社会、家庭带来越来越多的负担； 3如何妥善
2、解决人口老龄化问题。 Aging of the Population 二、 Part II Reading Comprehension (Skimming and Scanning) (15 minutes) Directions: In this part, you will have 15 minutes to go over the passage quickly and answer the questions attached to the passage. For questions 1-4, mark： Y (for YES) if the statement agrees wi
3、th 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 the passage. 1 Here are nine fail-proof (奏效的 ) ways to ensure your familys financial well-being. What to Do Today “Your dads in
4、 a bad way. Youd better come home immediately.“ In the days and months after Catherine Fredman got the phone call from her fathers neighbor, the serf-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 t
5、o worry about compromising his care because of the cost. “Thank goodness my father had bought 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 ha
6、ve been covered by Medicare and his supplemental health insurance.“ 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
7、 take care of the three essentials retirement 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 me. How can you avoid the
8、 “should have, could have, would have“ scenario? By putting these three items at the top of your “to do“ list protect 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. Departm
9、ent of Commerce, meaning Americans spent a whopping 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
10、a small emergency fund its easy to feel theres just not enough money to de it all. 1. 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 sock those savings away. “Every month you have to pay yourself
11、 first,“ says Joe Moglia, CEO of Ameritrade. “Take a little out of your paycheck.“ It doesnt have to be much it 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 f
12、or saving. Yet an astounding 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
13、 full advantage of their employers matching contribution the closest thing to free money in the retirement 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
14、at least six to nine months 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. During the blackout of 2003, the A
15、TMs 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 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 y
16、our other life goals. Heres what you need to protect your savings: 4. 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. A relative of mine is about to have her hip replaced and b
17、ecause shes over 65. Medicare is paying for it. But people under that age face enormous bills when a child needs an appendectomy, for instance and 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 surg
18、ery 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-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),
19、 a combination of 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
20、other costs not usually covered by conventional health insurance plans. 5. 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 insura
21、nce through your employee 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. 6. Life
22、 insurance. If you die 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 R
23、aasch. Employers frequently offer coverage as part of their benefits package. Protect Your Legacy 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 preven
24、t 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. This is not just senseless; its downright irresponsible. If you die intestate, or without a will, says Karin Barkhorn, an estate planning attorney at Bryan
25、Cave LLP, “the state determines how your assets are dispersed.“ Whats more, the government could end 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 incapac
26、itated. Quiet a few agonizing cases have 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. 9. Durable power of attorney. This document authorizes a loved one to make financial decis
27、ions 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 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
28、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 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 f
29、amily-law attorney, you can cover the basics on your own with certain computer software programs. 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 Health Savings Accounts offer you the mo
30、st cost-efficient medical coverage. （ A） Y （ B） N （ C） NG 3 Disability insurance can completely cover your loss. （ A） Y （ B） N （ C） NG 4 Life insurance is useless for someone who is single. （ A） Y （ B） N （ C） NG 5 The government takes much advantage from ones assets when he passes away without a Wil
31、l. （ A） Y （ B） N （ C） NG 6 Catherine Fredman was not worried about paying Mr. Fredmans _. 7 Nowadays people are so busy with their dally routines that they neglect to _. 8 A lot of American go broke due to _. 9 To leave the peace of mind to the family, it is wise to _. 10 Once you have a health care
32、 directive, the health providers _. 11 If you want to authorize someone to make your financial decision, you need to _. Section A Directions: In this section, you will hear 8 short conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what
33、 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, and decide which is the best answer. （ A） Shed like to have the window open. （ B） She likes to have the air c
34、onditioner on. （ C） The air is heavily polluted. （ D） The window is already open. （ A） They will check the traffic light. （ B） They will wait for a little longer. （ C） They will call Nancy. （ D） They will check the time of high tide. （ A） Its results were just as expected. （ B） It wasnt very well de
35、signed. （ C） It fully reflected the students ability. （ D） Its results fell short of her expectations. （ A） The environmental problem. （ B） The health problem. （ C） The educational problem. （ D） The international problem. （ A） They think cinemas are too far away from their homes. （ B） They are disap
36、pointed with the films produced these days. （ C） They both dislike films about adventure stories. （ D） They both like the idea of going to the cinema at night. （ A） Jims notes are not very good. （ B） Professor Harrison doesnt teach well. （ C） Jims notes are good for the woman to borrow. （ D） The wom
37、an should have come to the lecture earlier. （ A） Find a quiet place to study. （ B） Change the conditions of his room. （ C） Find a more comfortable place to study. （ D） Avoid distractions while studying in his room. （ A） In a stationery store. （ B） In a library. （ C） In a classroom. （ D） In a post of
38、fice. （ A） The size of the campus. （ B） The city bus system. （ C） The length of time for each class. （ D） The university bus system. （ A） The entire campus. （ B） Part of the campus. （ C） The campus and the city. （ D） Only the off-campus areas. （ A） Nothing. （ B） Three dollars. （ C） A few cents. （ D）
39、 Fifty cents. （ A） The root of Jims health problems. （ B） The womans problems with her workaholic professor. （ C） Jims relationship with his professor. （ D） Problems that Jim and the woman have with their workloads. （ A） Whether to accept the Deans job offer or not. （ B） Whether to move or not. （ C）
40、 whether to have a rest or not. （ D） whether to ask for an extension or not. （ A） See more of her. （ B） Spend more time in school. （ C） Earn more money. （ D） Get better gradel （ A） She would like to mark papers, too. （ B） She wants to ask for a light load to her professor. （ C） She wants the man to
41、talk to the workaholic professor. （ D） She wants to quit school and work. Section B Directions: In this section, you will hear 3 short passages. At 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
42、choose the best answer from the four choices marked A, B, C and D. （ A） By asking some students to explain the reason. （ B） By giving them a test on the speed of sound. （ C） By using a vivid question to check them. （ D） By asking the students to restate his words. （ A） He knew this beforehand. （ B）
43、He judged from his common sense. （ C） He judged from the speeds of sound （ D） He judged by reading the textbook. （ A） He knew this beforehand. （ B） He judged from time zones. （ C） He made such a judgment so as to Wang. （ D） He gave such an explanation because he analyzed the speeds of sound and elec
44、tricity. （ A） He bought them from Henry. （ B） He bought them at a bookstore. （ C） He found them lying in a quiet street. （ D） He took them from a car. （ A） Henry fooled the man into bringing the books to his house. （ B） Henry bought them from the first visitor. （ C） The police found them and gave th
45、em to Henry. （ D） Henry got them back with the help of the police. （ A） In the car. （ B） In the newspaper. （ C） At the bookstore. （ D） At the police station. （ A） To study how students remember English vocabulary by short-term memory. （ B） To study how students learn English vocabulary. （ C） To stud
46、y how to develop students ability in English. （ D） To study how long information in short-term memory is kept. （ A） Information in short-term memory is different from that in long-term memory only in content. （ B） Long-term memory can be achieved only by training. （ C） It is easier to test short-ter
47、m memory than long-term memory. （ D） Henning gave a test on vocabulary to his subjects. （ A） Beginners have difficulty distinguishing the pronunciation of words. （ B） Advanced students remember words by their meaning. （ C） It is difficult to remember words that have the same meaning. （ D） It is diff
48、icult to remember words that sound alike. （ A） . Memory. （ B） . Two kinds of memory. （ C） . Short-term memory. （ D） . An experiment on students. 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 it
49、s general idea. When 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 heard or write down the 36 Most people feel lonely sometimes. But it usually only lasts between a few minutes and a few hours. This kind of loneliness is not【 B1】
