1、大学英语六级 159 及答案解析(总分：448.02，做题时间：132 分钟)一、Part I Writing (3(总题数：1，分数：30.00)1.For this part you are allowed thirty minutes to write a composition on the topic Is Serving the People Out of Date? Your composition should be based on the given outline and should be no less than 150 words. 1. 市场经济与为人民服务。 2
2、. 现在有许多像徐虎和李素丽一样的人。 3. 我们应该怎么做? （分数：30.00）_二、Part II Reading C(总题数：1，分数：71.00)Here are nine fail-proof (奏效的) ways to ensure your familys financial well-being. What to Do Today “Your dads in a bad way. Youd better come home immediately.“ In the days and months after Catherine Fredman got the phone ca
3、ll from her fathers neighbor, the self-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 to worry about compromising his care because of the cost. “Thank goodness my father had bought long-term-care ins
4、urance,“ 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 have been covered by Medicare and his supplemental health insurance.“ Its never too early to protect your familys f
5、inancial 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 essentialsretirement savings, insurance coverage and estate planning. Unfortunately, emer
6、gencies 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 “should have, could have, would have“ scenario? By putting these three items at the top of your “to do“ listprot
7、ect 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. Department of Commerce, meaning Americans spent a whopping 99.6% of their after-tax earnings. Even more frightening, in J
8、uly the savings rate dropped below zero. We all know we should save more. But with so many goals to save fora house, the kids college tuition, your retirement, occasional vacations and a small emergency fundits easy to feel theres just not enough money to do it all. 1. Budget. The first step is to c
9、reate a budget. Once you know what youre spending your money on, you can figure out what you dont need to spend it onand sock 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 muchit could
10、 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 for saving. Yet an astounding number of people ignore the opportunities offered by employment-based retirement plans.
11、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 their employers matching contributionthe closest thing to free money in the retirement savings univ
12、erse. 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 at least six to nine months of essential expenses, including your mortgage or rent, insurance premiums, credit card pay
13、ments, 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 ATMs in my neighborhood were out, but we had about $ 500 in the house, enough to cover our immediate needs for a week or
14、 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 your other life goals. Heres what you need to protect your savings: 4. Health insurance. A recent study of court recor
15、ds 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 because shes over 65. Medicare is paying for it. But people under that age face enormous billswhen a child needs an ap
16、pendectomy, for instanceand 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 surgery and the 10-day stay, came to $100,000. Luckily his insurance covered it. If your company provides medical benefits,
17、 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), a combination of a high deductible health plan and a tax-deductible savings account allocated to health care expenses.
18、 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 usually covered by conventional health insurance plans. 5. Disability insurance. Over 80% of Americans
19、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 employee benefits plan, either as paid sick leave or actual disability payments if youre unable to wor
20、k 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 insurance. If you die prematurely, a life-insurance policy will provide immediate funds for funeral expenses, and may
21、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. Employers frequently offer coverage as part of their benefits package. Protect Your Legacy One of the most thoug
22、htful 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 prevent that with the right advance directives and documents: 7. A will (遗嘱). Over half of the adult population in this count
23、ry dies without a will. This is not just senseless; its downright irresponsible. If you die intestate, or without a will, says Karin Barkhom, 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
24、 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 incapacitated. Quiet a few agonizing cases have showed how the absence of a living will can rip a family apart. Health care pro
25、viders 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 decisions on your behalf should you become unable. It allows someone to renew your CD at the bank, pay bills, sell stock or e
26、ven 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,“ says Raasch. “If any of your assets are held in your name only, your spouse cant touch that money unless the
27、 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-law attorney, you can cover the basics on your own with certain computer software programs. Retirement savings.
28、Insurance coverage. Estate planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today. （分数：71.00）(1).Health Savings Accounts offer you the most cost-efficient medical coverage.（分数：7.10）A.YB.NC.NG(2).Disability insurance can completely cover your l
29、oss.（分数：7.10）A.YB.NC.NG(3).Life insurance is useless for someone who is single.（分数：7.10）A.YB.NC.NG(4).The government takes much advantage from ones assets when he passes away without a will.（分数：7.10）A.YB.NC.NG(5).Catherine Fredman was not worried about paying Mr. Fredmans_.（分数：7.10）_(6).Nowadays peo
30、ple are so busy with their daily routines that they neglect to_.（分数：7.10）_(7).A lot of American go broke due to_.（分数：7.10）_(8).To leave the peace of mind to the family, it is wise to_.（分数：7.10）_(9).Once you have a health care directive, the health providers_.（分数：7.10）_(10).If you want to authorize s
31、omeone to make your financial decision, you need to_.（分数：7.10）_三、Listening Comprehens(总题数：1，分数：15.00)A.She knows where Martin has gone.B.Martin will go to the concert by himself.C.It is quite possible for the man to find Martin.D.The man is going to meet Martin at the concert.A.The water pollution i
32、s caused by the development of industry.B.The city was poor because there wasnt much industry then.C.The womans exaggerating the seriousness of the pollution.D.He might move to another city very soon.A.Where is the manager now?B.Who will be his new manager?C.Whether his manager is ill?D.When the man
33、ager will go to the headquarters?A.It has been put off.B.It has been cancelled.C.It will be held in a different place.D.It will be rescheduled to attract more participants.A.She wants to live in the suburbs.B.She is offended by her naughty children.C.She disagrees with father.D.She turns a deaf ear
34、to her husbands words.A.An art museum.B.A beautiful park.C.A college campus.D.An architectural exhibition.A.Husband and wife.B.Teacher and student.C.Policeman and driver.D.Mother and son.A.The man hated the woman talking throughout the movie.B.The man saw a comedy instead of a horror movie.C.The man
35、 prefers light movies before sleep.D.The man regrets going to the movie.四、Section A(总题数：2，分数：10.00)A.In his last week Public Relation Class.B.In his last week Literature Class.C.In his last week History Class.D.In his last week Math Class.A.In 1622.B.In 1631.C.In 1641.D.In 1621.A.They were religious
36、 people from New England.B.They were religious people from America.C.They were religious people from England.D.They were ethnic people from England.A.Colleagues.B.Boss-Employee.C.Student-librarian.D.Lawyer-Client.A.The foreign student needs to get credits of 24 semester hours.B.The foreign student n
37、eeds to get at least 120 credits.C.The foreign student needs to get at least 120 credits plus thesis.D.The foreign student needs to get credits of 24 semester hours plus 14 consecutive semesters.A.It focuses on the development of the students ability for independent scholarly work in a particular fi
38、eld.B.It focuses on a variety of fields of knowledge and emphasizes the development of the students ability for independent research of all fields.C.It focuses on a specific field of knowledge and emphasizes the development of the students ability of cooperation.D.Not mentioned.A.Students working on
39、 a doctoral program with a Masters degree have ten consecutive semesters to complete the requirements.B.Students entering a graduate study have 14 consecutive semesters to complete the requirements.C.Students may continue their studies towards the doctoral degree after completing an M.A. or M.SD.Stu
40、dents working on a doctoral program without a Masters degree have fourteen consecutive semesters.五、Section B(总题数：3，分数：30.00)A.Nurse.B.Visitor.C.PatientD.Cleaner.A.To clean the floor.B.To please the nurse.C.To see a patient.D.To surprise the story-teller.A.Polite.B.Patient.C.Changeable.D.Clever.A.How
41、 to suffer pain.B.How to avoid pain.C.How to handle pain.D.How to stop pain.A.How we look at pain.B.To feel pain as much as possible.C.To show an interest in pain.D.To accept the pain reluctantly.A.Pessimistic.B.Optimistic.C.Radical.D.Practical.A.They make decisions by tossing coins.B.They are not p
42、hysically separated.C.They think exactly the same way.D.They share most of their vital organs.A.Few of them can live long.B.Few of them get along well with each other.C.Most of them live a normal life.D.Most of them differ in their likes and dislikes.A.They go to a regular school.B.They attend a spe
43、cial school.C.They are taught by their parents.D.They have a private tutor.六、Section C(总题数：1，分数：10.00)The Library of Congress is Americas national library. It has millions of books and other objects. It has newspapers, (36) 1publications as well as letters of (37) 2interest. It also has maps, photog
44、raphs, art (38) 3, movies, sound recordings and musical (39) 4. All together, it has more than 100 million objects. The Library of Congress is open to the public Monday through Saturday, except for public holidays. Anyone may go there and read anything in the . But no one is (40) 5to take books out
45、of the building. The Library of Congress was (41) 6in 1800. It started with eleven boxes of books in one room of the Capitol Building. By 1814, the had increased to about 3,000 books. They were all (42) 7that year when the Capitol was burned down during Americas war with Britain. To help re-build th
46、e library, Congress bought the books of President Thomas Jefferson. Mr. Jeffersons (43) 8included 7,000 books in seven languages. (44) 9. Today, three buildings hold the librarys . (45) 10. It buys some of its books and gets others as gifts. It also gets materials through its copyright office. (46) 11.This means the Library of Congress receives almost everything that is published in the United States. （分数：10.00）填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_七、Reading Comprehensio(总题数：2，分数：177.00)The destruction of our
