1、大学英语六级 187及答案解析(总分：447.99，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 letter of application. You should write no less than 150 words and base your composition on the outline below: 1渴求工作的愿望 2技能和经历 3联系方式 （分数：30.00）_二、Part II Reading C(总题数：
2、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 call from her fathers neighbor, the self-employed writer and her sist
3、er, 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 insurance,“ Fredman says. “He was in hospitals and rehab facilities (康
4、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 financial well-being. Yet because most of us are so busy juggling wo
5、rk 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, emergencies can strike and then its too late. “Failure to plan is a hug
6、e 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“ listprotect your future, protect your family and protect your legacy. Prote
7、ct 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 July the savings rate dropped below zero. We all know we should save
8、 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 create a budget. Once you know what youre spending your money on, yo
9、u 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 be foregoing that extra latte or getting the DVD free at the libra
10、ry. 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. According to a recent survey by Aon Consulting, more than 20% of th
11、ose 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 universe. Consider it money that grows without being taxed. 3. Emergenc
12、y 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, such as
13、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 so. Protect Your Family A major illness, an extended disability or
14、 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 records and direct interviews indicated that about half of personal bank
15、ruptcies 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 appendectomy, for instanceand many of them lack insurance. A doctor i
16、n 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, you have the most cost-efficient (节省成本的) coverage available. Sign
17、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 withdrawn tax-fr
18、ee 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 dont have adequate disability coverage, according to a survey by th
19、e 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 pay fa
20、r 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 help replace your lost income. “Life insurance isnt a priority if y
21、ou 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 that anyone can leave is peace of mind. No one wants
22、 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 country dies without a will. This is not just senseless; its downright i
23、rresponsible. 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 more tax than necessary. 8. A living will. Also known as a health
24、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 providers are generally required to comply with the wishes you describ
25、e 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 even sell your home or business, based on the agents determination o
26、f 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 of your loved o
27、nes 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. Insurance coverage. Estate planning. These are the foundations of a
28、 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 loss.（分数：7.10）A.YB.NC.NG(3).Life insurance is useless for someone wh
29、o 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 people are so busy with their daily routines that they neglect to_.（分数
30、：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 someone to make your financial decision, you need to_.（分数：7.10）_三、Li
31、stening Comprehens(总题数：1，分数：15.00)A.Buy some traveller s checks.B.Borrow some money from a friend.C.Check the brakes and tires.D.Spend some time travelling.A.He is very forgiving and tolerant.B.He probably has a poor memory.C.He is well liked by his customers.D.He has been introduced to the staff.A.
32、He thinks the book should include more information.B.He doesnt think it necessary to provide the answers.C.The answers will be added in a later edition.D.The book does include the answers.A.Announce appeals for public service.B.Hold a charity concert to raise money.C.Ask the school radio station for
33、 help.D.Pool money to fund the radio station.A.She talked with the consultant about the new program until two.B.She couldnt talk to the consultant before two.C.She would talk to the consultant during lunch.D.She couldnt contract the consultants secretary.A.They are equally competent for the job.B.Th
34、ey both graduated from art schools.C.They majored in different areas of art.D.They are both willing to draw the posters.A.At a book store.B.At an art museum.C.At a newspaper office.D.At a gymnasium.A.The woman received a phone call from Mark yesterday.B.The man injured Mark in a traffic accident yes
35、terday.C.The man met a friend by chance.D.The woman contacted Mark on business.A.The man should stay up and watch the program.B.The man should read something exciting instead.C.The man should go to bed at eleven.D.The man should give up watching the movie.A.Students with a library card can check any
36、 book out.B.Reference books are not allowed to be checked out.C.Only students with a library card can check out reference books.D.The number of books a student can check out is unlimited.四、Section A(总题数：2，分数：10.00)A.She cant find a job.B.She doesnt know how to manage a book store.C.She wants to quit
37、 her current job in the IBM office.D.She has no idea which of the two job offers is better.A.She will earn less.B.It takes too much time to go there.C.It has nothing to do with her study.D.She has no interest in mat field.A.Accept the job offer from the book store.B.Accept the job offer from IBM.C.I
38、n the holiday work in IBM and in the next school year work in the book store.D.Give up both offers and find another one in the next school year.A.Cheese burger.B.Fries.C.Coke.D.Diet Pepsi.A.$1.53.B.$15.3.C.$5.3.D.$3.5.A.A hotel.B.A supermarket.C.A city store.D.A fast food restaurant.五、Section B(总题数：
39、3，分数：30.00)A.Because all the people can enter it at any time.B.Because it opens fulltime all day.C.Because all its students are mother of families.D.Because students dont have to pass entrance examinations.A.It is the same as an open university.B.There are no teachers.C.Students are taught on radio
40、and television.D.Students and tutors should meet and study together for several weeks.A.36 weeks.B.4 weeks.C.3 weeks.D.5 weeks.A.How to analyze photographic techniques.B.How to define photography.C.How Alfred Stieglitz contributed to the history of photography.D.Whether photography is superior to ot
41、her art forms.A.They were influenced by his background in engineering.B.They were very expensive to take.C.They were among the first taken under such condition.D.Most of them were of poor quality.A.He thought the copying process took too long.B.He considered each photograph to be unique.C.He didnt h
42、ave the necessary equipment for reproduction.D.He didnt want them to be displayed outside of his home.A.They published scientific evidence to determine second hand smoke as a cause of cancer.B.They denied the suspicion that second hand smoke may cause cancer.C.They discovered all the causes of cance
43、r.D.They agreed that moderate smoke wont cause cancer.A.He worked for a medical periodical.B.He published a paper about computer science.C.He suggested a link between smoke and lung cancer.D.He opened a hospital with his partner.A.Whether second hand smoking is liked with cancer.B.Whether active smo
44、king is linked with cancer.C.Whether passive smoking by children is liked with childhood cancers.D.Whether an average degree of passive smoking is harmful.六、Section C(总题数：1，分数：10.00)When somebody calls, first of all, the host would offer him a cigarette and a cup of tea. In the countryside, (36) 1,
45、old men used to share with the visiting guests the long-stemmed Chinese pipe which they themselves were smoking. At wedding (37) 2, brides would offer cigarettes to all the guests who came to express their (38) 3and light the cigarettes for each of them one after another. All these were originally a
46、imed at (39) 4the Chinese hospitality and respect toward the guests, but in recent years, the old tradition has been used as a means to (40) 5good relations. Even those who never smoke have (41) 6cigarettes in their pockets. Whenever they have to seek somebody s (42) 7, they usually first offer him
47、a cigarette. If the other (43) 8 turns it down, he is being impolite. (44) 9. But neither people who offer cigarettes nor those who take them fully realize it. (45) 10. Once I paid a visit to relative. (46) 11. Instead, he placed the cigarette packet on the table and told me, “Cigarettes produce carbon monoxide and nicotine. But if you dont mind this, take it yourself.“ His way of offering cigarettes was unique but worth learning.
