1、阅读练习试卷 26及答案与解析 一、 PART THREE 0 Willie Huang, a certified financial planner with American Express Financial Advisors, Ink in Queen, New York, himself an immigrant from Taiwan Province, regularly advises recent arrivals from Asia He says they often make the same mistakes. After evaluating the Tsang a
2、ssets, Huang praised their knack for saving money. “Their ability to live within their means is excellent,“ he says, comparing them favorable with some of his native-born U.S. clients who are deep in credit-card debt. But Huang found several dangerous flaws in the familys financial strategy. His adv
3、ice: Invest more aggressively. Huang asserts the couple needs to invest in the stock market, the only place where they can find the growth they need to be able to retire comfortably. He wants the Tsangs to put some of their money into growth-oriented mutual funds, but like many Asian immigrants, Eri
4、c has watched friends and family lose money on the Hong Kong SAR stock market. He prefers to bet his familys future on real estate and restaurants over which he has more control. Huang reluctantly recommends certificates of. deposit, bank tome deposits that offer a much smaller return-around 5% vs.
5、average long-term returns of double that for growth stock funds. His plan: Keep a third of the $18,000 of saving in a checking account as a cash reserve. Put the other $12,000 in bank CDs. Get good health coverage. Eric has looked into competitive health care plans and found that for a family of fou
6、r the monthly cost would be between $ 600 and $ 800-too much, he decided. Most new Asian immigrants dont carry health insurance, notes Sher Sparano, president of benefits Advisory Service, Inc. in Queen, New York. Sparano suggests that Eric look into the New York State Health Insurance Partnership P
7、lan for small business owners. This state plan subsidizes up to 45% of the cost of health care premiums of an employees or owner (and their families) of a participating small business. For a family of six (which Eric can claim because his parents are dependents), an applicants like Eric with no more
8、 than $ 47,708 in income would have to pay only $18,751 a month. Purchase disability insurance. In the case of a catastrophic accident or illness, Eric would not qualify for federal social security disability payments since he has worked less than 10 years in the U. S. If permanently disabled, he wo
9、uld prove an unbearable drain on his family, which could not survive on Rebeccas $ 8,400 salary. Huang advises the family to immediately look for a disability insurance policy for Eric is guaranteed renewable and non- cancelable. Price: 100 a month for coverage that would pay 1,500 a month in case E
10、ric is disabled. Replace your life insurance policy. Many Asian immigrants buy life insurance, but usually the wrong kind. “Erics policy needs to be restructured to better cover the family for about the same amount theyre now spending per month,“ advises Huang. Erics coverage should be raised to $ 3
11、50,000 because he is the primary breadwinner. The policy for the children should be scraped because they are a poor way to save. Eric is still against stocks and is not convinced that CDs are a good idea, either. “I have a business to run,“ he says. “What if I need emergency money for the restaurant
12、?“ He is, however, very interested in disability insurance and the health insurance plan, particularly since the latter will cover his parents. As for the life insurance advice, he says he wants to study it a bit more before making a decision. 1 The Tsangs is likely to have been in the United States
13、 for _. （ A） one year （ B） five years （ C） ten years （ D） fifteen years 2 Which of the following is not the advice given by Willie Huang? （ A） Investing in some kind of fund. （ B） Buying health insurance （ C） Buying disability insurance. （ D） Buying life insurance. 3 If Eric buys the suggested insur
14、ance, he will pay _ a month. （ A） $367,851 （ B） $368,851 （ C） $18,851 （ D） $368,751 4 The Tsangs may come from _. （ A） Taiwan Province （ B） mainland of China （ C） Hong Kong SAR （ D） Singapore 5 Eric is running _. （ A） a restaurant （ B） real estate （ C） a bank （ D） insurance company 6 It is most prob
15、ably for Eric to invest in _. （ A） stocks （ B） bank CDs （ C） disability insurance （ D） real estate 二、 PART FOUR 6 In recent years many countries of the world 【 C1】 _ with the problem of how to make their workers more productive. Some experts claim the answer is to make jobs more 【 C2】 _ . But do mor
16、e varied jobs lead to greater productivity? There is evidence to suggest that while variety certainly makes the workers life more enjoyable, it does not actually make him work harder. As far as increasing productivity is 【 C3】_ , the variety is no an important factor. Other experts feel that giving
17、the worker freedom to do his job in his own way is important and there is no doubt that this is true. The problem is that this kind of freedom cannot easily be given in the modern factory with its complicated 【 C4】 _ which must be used in a fixed way, Thus while freedom of choice may be important, t
18、here is usually very little that 【 C5】 _ to create it. Another important 【 C6】 _ is how much each worker contributes to the product be is making. In most factories the worker sees only one small part of the product. Some car factories are now experimenting with having many small production lines rat
19、her than one large one, so that each worker contributes more to the production of the cars on his line It would seam that not only is the 【 C7】 _ of workers contribution an important factor, 【 C8】 _ , but it is also one we can do something about. To what extent does more money lead to greater produc
20、tivity? The workers themselves certainly think this is important. But perhaps they want more money only because the work they do is so boring. Money just lets them enjoy their spare time more. A similar argument may explain 【 C9】 _ for shorter working hours. Perhaps if we succeed in making their job
21、s more interesting, they will neither want more money, nor will shorter 【 C10】 _ hours be so important to them. 7 【 C1】 _ （ A） have been faced （ B） have been facing （ C） were faced （ D） had faced 8 【 C2】 _ （ A） variable （ B） varified （ C） varied （ D） variety 9 【 C3】 _ （ A） concerning （ B） concern （
22、C） concerns （ D） concerned 10 【 C4】 _ （ A） machinery （ B） machine （ C） mechanical （ D） machines 11 【 C5】 _ （ A） must be done （ B） will be done （ C） may be done （ D） can be done 12 【 C6】 _ （ A） consideration （ B） considerable （ C） considerateness （ D） considering 13 【 C7】 _ （ A） level （ B） step （ C）
23、part （ D） degree 14 【 C8】 _ （ A） however （ B） therefore （ C） furthermore （ D） contrarily 15 【 C9】 _ （ A） demands （ B） commands （ C） recommends （ D） remands 16 【 C10】 _ （ A） worked （ B） work （ C） working （ D） works 三、 PART FIVE 16 This old house is still 【 C1】 _ pretty good shape, 【 C2】 _ its newly r
24、ich owners wanted something bigger and better on their expensive Los Altos lot. Instead of bulldozing the house, 【 C3】 _ other newly rich Silicon Valley owners have been doing lately, they decided to give it away to the city of East Palo Alto. Roger Gaw is a Los Altos homeowner who wants to donate a
25、 house; “We paid a lot of money to have the house moved here. And someone gets a home. So it works 【 C4】_ everybody.“ The idea quickly caught on. A tax break for well-to-do home builders and a nearly free home for a needy family, add up to good business 【 C5】 _ real estate agents. Christina Luiz is
26、a real estate agent in Silicon Valley. “I personally own two homes that could be used. I talked to one of my other builders, and they said, they too, would be willing to donate the homes in perfect condition. And I said, how could I do this, and East Palo Alto told me, were getting calls from people
27、 who want to donate for tax reasons.“ 【 C6】 _ no time, the city of East Palo Alto found itself with eight donated houses. Mayor Sharifa Wilson says of the situation, “One of the dilemmas that East Palo Alto has is that we dont own any property. 【 C7】 _ the dilemma is what we do 【 C8】_ the houses tha
28、t people offer us?“ Over the past few decades, East Palo Alto has been an island of difficulty in a world of affluence. Poverty, drugs and drive-by shootings earned it the title “murder capital“ a few years back. Now its benefiting 【 C9】 _ a trickle down effect from its wealthy neighbors. Once it fi
29、gures out how to handle the windfall and share the wealth. Mayor Sharifa Wilson says, “I can imagine at some point everybody will be screaming, give me the house, give me the house. This kind of thing. Thats the only thing Im a little bit leery about.“ For East Palo Alto, its an embarrassment of ric
30、hes. More houses than they know 【 C10】 _ to do with. 17 【 C1】 _ 18 【 C2】 _ 19 【 C3】 _ 20 【 C4】 _ 21 【 C5】 _ 22 【 C6】 _ 23 【 C7】 _ 24 【 C8】 _ 25 【 C9】 _ 26 【 C10】 _ 四、 PART SIX 26 If you watch the news, you hear at all the time about the Dow Jones 【 S1】_ Industrial Average and other averages that lik
31、e the S P 500 or the 【 S2】_ Russel 2000. These are “market averages“ designed to tell you how companies are traded on the stock market are doing in general. 【 S3】 _ The Dow Jones Industrial Average is simply the average value of 30 large, and industrial stocks. Big companies like General Motors, 【 S
32、4】 _ Goodyear, IBM and Exxon are the kinds of companies that make up this index. See this page for details on how that the average is 【 S5】 _ calculated. See this page for a list of the companies in the average. The thing to understand is that the Dow Jones Industrial Average is nothing magic-which
33、someone has chosen 30 companies and 【 S6】_ he averaged their values together by following a specific formula. 【 S7】 _ Thats all what it is. 【 S8】 _ There are all sorts of averages out there. The S P 500 is the average value of 500 different large companies. But the Russel 2000 tracks 【 S9】_ the aver
34、age of 2,000 smaller companies. And there are others. What these averages tell you is the general health of stock prices as 【 S10】_ a whole. If the economy is “doing well“, then the prices of stocks as a 【 S11】_ group tend to rise. If it is “doing poorly“, prices as a group tend to fall. The average
35、s show you these tendencies in the market as a whole. If a specific stock is going down but while the market as a whole is going 【 S12】_ up, that tells you something. Or if a stock is rising, but is rising faster or slower than the market as a whole, that tells you something as well. 27 【 S1】 _ 28 【
36、 S2】 _ 29 【 S3】 _ 30 【 S4】 _ 31 【 S5】 _ 32 【 S6】 _ 33 【 S7】 _ 34 【 S8】 _ 35 【 S9】 _ 36 【 S10】 _ 37 【 S11】 _ 38 【 S12】 _ 阅读练习试卷 26答案与解析 一、 PART THREE 【知识模块】 阅读 1 【正确答案】 A 【知识模块】 阅读 2 【正确答案】 D 【知识模块】 阅读 3 【正确答案】 B 【知识模块】 阅读 4 【正确答案】 C 【知识模块】 阅读 5 【正确答案】 A 【知识模块】 阅读 6 【正确答案】 C 【知识模块】 阅读 二、 PART FOUR 【知
37、识模块】 阅读 7 【正确答案】 A 【知识模块】 阅读 8 【正确答案】 C 【知识模块】 阅读 9 【正确答案】 D 【知识模块】 阅读 10 【正确答案】 A 【知识模块】 阅读 11 【正确答案】 D 【知识模块】 阅读 12 【正确答案】 A 【知识模块】 阅读 13 【正确答案】 D 【知识模块】 阅读 14 【正确答案】 B 【知识模块】 阅读 15 【正确答案】 A 【知识模块】 阅读 16 【正确答案】 C 【知识模块】 阅读 三、 PART FIVE 【知识模块】 阅读 17 【正确答案】 in 【知识模块】 阅读 18 【正确答案】 but 【知识模块】 阅读 19 【正
38、确答案】 as 【知识模块】 阅读 20 【正确答案】 for 【知识模块】 阅读 21 【正确答案】 for 【知识模块】 阅读 22 【正确答案】 In 【知识模块】 阅读 23 【正确答案】 So 【知识模块】 阅读 24 【正确答案】 with 【知识模块】 阅读 25 【正确答案】 from 【知识模块】 阅读 26 【正确答案】 what 【知识模块】 阅读 四、 PART SIX 【知识模块】 阅读 27 【正确答案】 at 【知识模块】 阅读 28 【正确答案】 that 【知识模块】 阅读 29 【正确答案】 are (第一个 ) 【知识模块】 阅读 30 【正确答案】 and 【知识模块】 阅读 31 【正确答 案】 that 【知识模块】 阅读 32 【正确答案】 which 【知识模块】 阅读 33 【正确答案】 he 【知识模块】 阅读 34 【正确答案】 what 【知识模块】 阅读 35 【正确答案】 But 【知识模块】 阅读 36 【正确答案】 correct 【知识模块】 阅读 37 【正确答案】 If 【知识模块】 阅读 38 【正确答案】 but 【知识模块】 阅读
