1、大学六级-81 及答案解析(总分：703.00，做题时间：90 分钟)一、BPart Writing(总题数：1，分数：106.00)1.1. 留守儿童的现象在农村非常普遍 2. 这种现象带来的弊端 3. 我诊断该如何时处理这些问题（分数：106.00）_二、BPart Reading (总题数：1，分数：70.00)BProtect Your Nest/BIts never too early to protect your familys financial well-being. Yet because most of us are so busy juggling work and f
2、amily 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 plan is a huge mista
3、ke,“ 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 your legacy (遗产).BProtect
4、 Your Future/BThe 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. We all know we should
5、 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 spending your money on,
6、 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 or getting the DVD free a
7、t 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 Consulting, more than 20
8、% 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 without being taxed.Emer
9、gency 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 other fixed expenses, suc
10、h 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.BProtect Your Family/BA major illness, an e
11、xtended 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 interviews indicated that about
12、 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 cost-efficient coverage availab
13、le. 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 grow tax-free and can be withd
14、rawn 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 coverage, according to a surve
15、y 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 time. But these programs tend to
16、 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 lost income. “Life insurance i
17、snt 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.BProtect Your Legacy/BOne of the most thoughtful legacies that anyone call leave is peace
18、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 will. This is not just senseless
19、; 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 living will. Also known as a health
20、 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 generally required to comply with the
21、 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 or business, based on the agents
22、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 guardian. The emotional turmoil o
23、f 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 savings. Insurance coverage. Esta
24、te planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today.（分数：70.00）(1).Why do we fail to attend to our family financial well-being?（分数：7.00）A.Because we dont know what family financial well-being is.B.Because we focus too much on developing f
25、amily relationships.C.Because we think work is much more important.D.Because we think it neednt be dealt with immediately.(2).We work out a budget so as to _.（分数：7.00）A.avoid unnecessary spendingB.buy the favorite DVDC.earn more creditsD.spend freely on favorite things(3).What is the advantage of th
26、e retirement savings?（分数：7.00）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 enjoy free money in the retirement savings.(
27、4).We are advised to leave some cash at home to _.（分数：7.00）A.feed the ATMs around our neighborhood regularlyB.pay for the utility and grocery billsC.cope with sudden and serious situationsD.prove we have the ability to pay for necessities(5).Which group of people are advised to hold s health insuran
28、ce?（分数：7.00）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.(6).The disability insurance obtained by the employee benefits plan is _.（分数：7.00）A.not enough for a decent livingB.quite enough for a decent
29、 livingC.better than the salary by working regularlyD.as equal as your original weekly salary(7).What can a life insurance do to a child?（分数：7.00）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 comp
30、ensates for the parents care for the child.(8).The government has to decide how to arrange peoples assets if they _.（分数：7.00）填空项 1:_(9).Once a person is too weak or loses the ability to do things, a living will is a reliable document for required _.（分数：7.00）填空项 1:_(10).Under your durable power attor
31、ney, if you are unable, a person can be given the authority to _.（分数：7.00）填空项 1:_三、BPart Listenin(总题数：3，分数：105.00)BQuestions 11 to 18 are based on the conversation you have just heard./B（分数：56.00）A.He hasnt got a fiat.B.He wants to go and look.C.He wants to share a fiat.D.He wants the woman to go an
32、d look.A.He will help Mary to cook the dish instead of Bill.B.He will wash the dishes himself instead of Mary.C.He will help Bill to translate the manual.D.He himself will operate the dishwasher.A.Borrow her book.B.Check the classroom again.C.Buy a new book.D.Ask about the book at the information de
33、sk.A.The visiting economist has given several lectures.B.Dr. Johnson and the guest speaker were schoolmates.C.Dr. Johnson invited the economist to visit their college.D.The guest lecturers opinion is different from Dr. Johnsons.A.He agrees with the womans choice.B.He doesnt want spicy food.C.He want
34、s the salad to be fresh.D.Garlic is his favorite flavor.A.Because theyre bored.B.Because if theyre bored they just turn on the television.C.Because television can entertain people.D.Because television cannot tell people how to train their ability.A.The man will go home during the spring holiday.B.Th
35、e man will graduate before spring holiday.C.The man will not graduate in May.D.The man will not go home during the spring holiday.A.Call a taxi for the woman.B.Ride a horse with the woman.C.Take the Woman to the bus station.D.Drive the woman to the train station.Questions 19 to 21 are based on the c
36、onversation you have just heard.（分数：21.00）A.To be a keen photographer is too costly.B.She has to develop 10 rolls of films.C.All her films were vanished.D.After the trip, she was too tired to choose a good one.A.Spending more money.B.Complaining to the manager.C.Fighting for them.D.Waiting for a sal
37、e.A.Because she is the woman.B.Because she is clever.C.Because she protects her right through the law.D.Because she gets a lot of money.Questions 22 to 25 are based on the conversation you have just heard.（分数：28.00）A.Those who were at the age of 16.B.Those who failed the eleven plus exam.C.Those who
38、 did well in the eleven plus exam.D.Those who were not qualified for secondary school.A.Does not greatly improve.B.Greatly improves.C.Does not improve.D.Is not as good as before.A.The schools are over crowded.B.The classrooms are not big enough.C.There are too many classes.D.The encouragement is not
39、 enough.A.Only the subjects that could be used in society are important.B.The subjects could be irrelevant so long.C.There should be more classes on social studies.D.There should be no exams in subjects of social studies.四、BSection B/B(总题数：3，分数：70.00)BQuestions 26 to 28 are based on the passage you
40、have just heard./B（分数：21.00）A.It is an ability both man and animals possess.B.It is the reason for mans superiority over animals.C.It is the reason for mans success as a species.D.It is a proof of our superior intelligence.A.To show how dependent men axe on a particular food.B.To show how primitive
41、the diet of some people is.C.To show what different foods are eaten.D.To show-the adaptability of man as regards his diet.A.A very popular food plant.B.A plant with limited uses.C.A food plant which has been used.D.A plant used as a main food.BQuestions 29 to 31 are based on the passage you have jus
42、t heard./B（分数：21.00）A.They often ride a motorcycle.B.They used to ride a home.C.They work in the mountains of Canada.D.They ride a horse nowadays.A.They have great power.B.They have very diversified responsibilities.C.They are very modern and efficient.D.They are so smart.A.A Royal Canadian Mounted
43、Police happened to notice him.B.A Royal Canadian Mounted Police recognized Rays photo.C.The British Police was informed of Rays presence in Britain.D.The British Police found him at London Airport.BQuestions 32 to 35 are based on the passage you have just heard./B（分数：28.00）A.When the white settlers
44、began to move west in 1812.B.When the increasing white settlers began to kill wild animals.C.When many Indians began to die from the diseases.D.When the white settlers wanted to occupy the land.A.They had to fight against being starved.B.Their population decreased greatly.C.Their land was taken away
45、 and their rights were ignored.D.All the above.A.They showed more respect to the governments new plan,B.They ignored the governments decision to move.C.They lost hope and killed themselves.D.They fought against the white with great anger.A.He feels the Indians were unfairly treated.B.He believes the
46、 Indians should have showed respect to government.C.He thinks the government has always respected the Indians.D.He believes the government can be justified.五、BSection C/B(总题数：1，分数：77.00)Many countries exist in this world. How to deal with the problems among them? So comes with the international comm
47、unities. A major global U(36) /U group on Sunday called for member countries of the World Trade Organization to work for an end to all subsidies to fishing U(37) /U and help depleted fishing stocks recover.At a news conference on the U(38) /U of a key WTO meeting, the World Wide Fund for Nature also
48、 argued that the expected new round of trade liberalization negotiations must take environmental needs into U(39) /U.“In Seattle, ministers must come out with more than just U(40) /U and promises on fishing subsidies,“ said David Schorr, WWF-US (that is, the World Wide fund) U(41) /U for sustainable U(42) /U. Talk on new binding rules barring fishing U(43) /U “must start now“, he added.Some of these accuse the WTO of bowing to multinational companies who have no concern for the planets ecology in the drive for profit
