1、大学英语六级模拟试卷 660及答案与解析 一、 Part I Writing (30 minutes) 1 For this part, you are allowed 30 minutes to write a short essay entitled Urbanization. You should write at least 150 words following the outline given below: 1. 有人认为城市化进程是一件好事 2. 有人却认为城市化进 程给我们带来了很多负面影响 3. 在我看来 Urbanization 二、 Part II Reading Co
2、mprehension (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 with the information given in the passage; N (for NO) if t
3、he statement contradicts the information given in the passage; NG (for NOT GIVEN) if the information is not given in the passage. 1 Part Reading Comprehension (Skimming and Scanning) Directions: In this part you will have 15 minutes to go over the passage quickly and answer the questions on Answer S
4、heet 1. For questions 1-7, choose the best answer from the four choices marked A), B), C)and D). For questions 8-10, complete the sentences with the information given in the passage. Protect Your Nest Its never too early to protect your familys financial well-being. Yet because most of us are so bus
5、y 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-retirement savings, insurance coverage and estate planning. Unfortunately, emergencies can strike and then its too late. “Failure to
6、 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 have“ scenario? By putting these three items at the top of your “to do“ list-protect your future, protect your family and protect you
7、r 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, meaning Americans spent a shopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dropped below zero.
8、 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-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
9、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, 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 o
10、r 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 astounding number of people ignore the opportunities offered by employment-based retirement plans. According to a recent survey by Aon
11、 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 contribution-the closest thing to free money in the retirement savings universe. Consider it money that grows
12、 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 months of essential expenses, including your mortgage or rent, insurance premiums, credit card payments, utility and grocery bills and
13、 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 example, if the ATMs in your neighborhood are out, you can have enough to cover your immediate needs for a week or so. Protect Your Fam
14、ily 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 your other life goals. Heres what you need to protect your savings: Health insurance. A recent study of court records and direct inte
15、rviews 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 under that age face enormous bills and many of them lack insurance. If your company provides medical benefits, you have the most cos
16、t-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 of a high deductible health plan and a tax-deductible savings account allocated to health care expenses. The funds in the account gr
17、ow 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. Disability insurance. Over 80% of Americans dont have adequate disability c
18、overage, 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 period of tim
19、e. 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 family member dies prematurely, a life-insurance policy will provide immediate funds for funeral expenses, and may help replace your
20、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 One of the most thoughtful legacies tha
21、t 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 that with the right advance directives (指示 ) and documents: A will. Over half of the adult population in this country dies without a w
22、ill. 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 determines how your assets are dispersed.“ Whats more, the government could end up collecting a lot more tax than necessary. A liv
23、ing 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 Terri Schiavo case earlier this year showed how the absence of a living will can rip a family apart. Health care providers are gener
24、ally 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 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
25、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 that money unless the court appoints him
26、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 software such as Quicken s WillMaker Plus or Kiplingers WillPower. Retirement
27、 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 attend to our family financial well-being? （ A） Because we dont know what family financial well-being is. （ B） Because we focus to
28、o 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 budget so as to _. （ A） avoid unnecessary spending （ B） buy the favorite DVD （ C） earn more credits （ D） spend freely on favorite t
29、hings 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 savings from their employers. （ C） Anyone with the retirement savings is qualified for a 401K plan. （ D） More than 50% Americans en
30、joy 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 and grocery bills （ C） cope with sudden and serious situations （ D） prove we have the ability to pay for necessities 6 Which group
31、 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 old. （ D） Those who are under 65 years old. 7 The disability insurance obtained by the employee benefits plan is _. （ A） not enoug
32、h 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 life insurance do to a child? （ A） It can provide protection for their health. （ B） It offers money on the funeral without delay. （ C
33、） 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 assets 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 _. 1
34、1 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 conversations and 2 long conversations. At the end of each conversation, one or more questions will be asked about what was said. Both the co
35、nversation 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） She doesnt know when they will go. （ B） She believes there is a road detour. （ C） She won
36、t be ready at 8 oclock. （ D） She wants the man to go away. （ A） Eating in a cafeteria. （ B） Buying something in a store. （ C） Talking on the telephone. （ D） Getting money at a bank. （ A） Hell go if the woman goes too. （ B） He doubts hell be able to go. （ C） Hes too tired to go. （ D） Hes eager to go.
37、 （ A） Run in town. （ B） Look more carefully. （ C） Buy shoes from a catalog. （ D） Find an easier place to exercise. （ A） In a doctors office. （ B） In an operating room. （ C） In a professors office. （ D） In a gymnasium. （ A） Hed rather not go to the lecture. （ B） He doesnt mind if the woman goes to th
38、e lecture. （ C） He wants to hear the lecture. （ D） Hes heard the lecture before. （ A） There will be a lot of rain. （ B） Rain is very unlikely. （ C） Its already raining. （ D） Shes not sure. （ A） Joe bought Freds car. （ B） The man is joking. （ C） Freds car is not good. （ D） The man wants Jacks car. （
39、A） The man. （ B） The woman. （ C） They pay for their own dinner respectively, （ D） Someone else, （ A） Because it serves only a few specialties. （ B） Because its too crowded. （ C） Because its too costly. （ D） Because the service is too slow. （ A） There arent many varieties of food at lunch counters. （
40、 B） Some school kids eat in school cafeterias. （ C） Workers go back home to have lunch. （ D） The woman likes American food. （ A） He never has enough time. （ B） He always holds off his work. （ C） He is always very busy. （ D） He never tries anything new. Section B Directions: In this section, you will
41、 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 choose the best answer from the four choices marked A, B, C and D. （ A） How John Milton Wrote Paradise Lost. （ B） How Joh
42、n Milton Became a Poet. （ C） How John Milton Studied Latin. （ D） How John Milton Became Famous. （ A） It had a strange accent. （ B） It was difficult to understand. （ C） It had a strong Italian accent. （ D） It was easy to understand. （ A） He was well-known in the world. （ B） He was very strange. （ C）
43、He was clever and hard working. （ D） He was quick at Latin and poems. （ A） A significant earthquake occurs in the United States. （ B） A significant earthquake occurs in the ocean. （ C） A significant earthquake does not kill anybody. （ D） A significant earthquake usually measures over 6.5 on the Rich
44、ter scale. （ A） 75 quakes. （ B） 64 quakes. （ C） 119 quakes. （ D） 70 quakes. （ A） Off the Big Island. （ B） Near Challis. （ C） In Coalinga. （ D） Off the southern coast. （ A） Some of them are frightening. （ B） They eat human beings when disturbed. （ C） They attack human beings without irritation. （ D）
45、Some of them are powerful. （ A） The whale shark. （ B） The greatest white shark. （ C） The bull shark. （ D） The tiger shark. （ A） Chewing the fish. （ B） Slashing people near them. （ C） Grabbing the animals. （ D） Cutting the prey into pieces. （ A） Sharks like eating humans. （ B） All large sharks attack
46、 humans. （ C） White shark attacks people when provoked. （ D） Bull shark doesnt attack people. 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 the passage is read for the se
47、cond 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 33 Cult
48、ure shock is a special disease for people who have suddenly moved to a foreign country. Like most illnesses, it has its own【 B1】 _ and cure. Culture shock is caused by the【 B2】 _ that results from losing all familiar signs of social communication. Those signs include the ways in which we are used to
49、 the【 B3】 _ of daily life; when to shake hands and what to say when we meet people, when and how to give tips, how to do【 B4】 _ , when to accept and refuse invitations, when to take statements【 B5】 _ and when not. These signs, which may be words, gestures, facial expressions, or customs, are【 B6】 _ by all of us in the course of growing up and as much a part of our culture as the languages we speak or the【 B7】 _ we accept. All of us depend on hundre
