1、大学英语六级 224 及答案解析(总分：428.03，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 30 minutes to write a short essay entitled Private Cars in China. You should write at least 150 words following the outline given below: 1简单介绍中国私家车发展的现状 2说明拥有私家车的利与弊 3指出私家车在中国的未来发展方向 Useful wor
2、ds and expressions: 温室气体排放：greenhouse emission 交通堵塞：congestiontraffic jam （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 month
3、s after Catherine Fredman got the phone call 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 goodne
4、ss my father had bought long-term-care insurance,“ 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
5、 never too early to protect your familys financial 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 coverag
6、e and estate planning. Unfortunately, emergencies 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
7、 items at the top of your “to do“ listprotect 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
8、-tax earnings. Even more frightening, in July 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
9、 it all. 1. Budget. The first step is to create 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 pay
10、check. “ It doesnt have to be muchit could 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 offe
11、red by employment-based retirement plans. 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
12、 free money in the retirement savings universe. 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
13、 rent, insurance premiums, credit card payments, 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
14、to cover our immediate needs for a week or 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. Healt
15、h insurance. A recent study of court records 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 f
16、ace enormous billswhen a child needs an appendectomy, 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.
17、If your company provides medical benefits, 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
18、account allocated to health care expenses. 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. Di
19、sability insurance. Over 80% of Americans 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
20、disability payments if youre unable to work 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 imme
21、diate funds for funeral expenses, and may 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.
22、 Protect Your Legacy One of the most thoughtful 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
23、half of the adult population in this country 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, th
24、e government could end up collecting a lot 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 wi
25、ll can rip a family apart. Health care providers 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
26、CD at the bank, pay bills, sell stock or even 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, yo
27、ur spouse cant touch that money unless the 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 comput
28、er software programs. Retirement savings. 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).Disabi
29、lity insurance can completely cover your loss.（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 payin
30、g Mr. Fredmans_.（分数：7.10）_(6).Nowadays people 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_
31、.（分数：7.10）_(10).If you want to authorize someone to make your financial decision, you need to_.（分数：7.10）_三、Listening Comprehens(总题数：1，分数：15.00)A.Barry no longer lives in New York.B.Barry doesnt know how to economize.C.The woman called Barry in California.D.The woman didnt ever meet Barry.A.A trip sh
32、e has already taken.B.A trip she takes frequently.C.A restaurant she owns.D.A famous statue in Philadelphia.A.He went mountain-climbing last year.B.He hasnt traveled around the world yet.C.He always wants to climb that mountain.D.He definitely does not want to climb that mountain.A.At a mine.B.In a
33、new car showroom.C.In a parking lot.D.At a car repair shop.A.The room is on fire.B.The men are bothered by the smoke.C.There is very little breeze.D.The men are not permitted in the room.A.Catch the train.B.Hurry to catch the bus.C.Sit next to the bus stop.D.Fix his torn sleeve.A.Check the time of h
34、igh tide.B.Go stand under the clock.C.Wait a little longer.D.Look for the traffic light.A.Her suitcase.B.Some rocks.C.The leaves.D.A pillow.四、Section A(总题数：2，分数：10.00)A.Problems the man has encountered when writing his history paper.B.The mans broken computer.C.The reason why staring at computer scr
35、een makes eyes hurt.D.The womans article on the newspaper about eyes.A.Because it happens very fast.B.Because it gives eyes a break.C.Because it moistens eyes.D.Because it relaxes eyes.A.Have a rest.B.Have a cup of coffee.C.Use eye drops.D.Sleep early in the night.A.Places the man has visited.B.A pa
36、per the woman is writing for a class.C.School activities they enjoy.D.The womans plans for the summer.A.She has never been to Gettysburg.B.She took a political science course.C.Her family still goes on vacation together.D.Shes interested in the United States Civil War.A.Why her parents wanted to go
37、to Gettysburg.B.Why her familys vacation plans changed ten years ago.C.Where her family went for a vacation ten years ago.D.When her family went on their last vacation.A.Its far from where she lives.B.Her family went there without her.C.She doesnt know a lot about it.D.Shes excited about going there
38、.五、Section B(总题数：3，分数：10.00)A.A New York executive.B.A computer specialist.C.A television announcer.D.A teacher.A.A science fiction cartoon.B.A scientific program.C.A movie on personality disorders.D.A drama set in New York city.A.To demonstrate the latest use of computer graphics.B.To raise funds f
39、or public television programming.C.To explain the workings of the brain.D.To increase membership in professional medical societies.A.He had psychic powers.B.He was an educated man.C.He went to school at the age of six.D.He died in 1929.A.Peoples health.B.Peoples lives and futures.C.The end of the wo
40、rld.D.The Great Depression of 1929.A.To see films.B.To read books in the library.C.To attend lectures.D.To visit the Association.A.The differences between sheep and cattle breeding.B.Living conditions in the colony of Massachusetts.C.Food shortages in the early 1800s.D.Livestock raising on early Ame
41、rican farms.A.They were imported from European countries.B.They migrated from distant colonies.C.They were domesticated from local wild breeds.D.They were the result of a careful breeding program.A.Planting crops.B.Building houses.C.Clearing new land.D.Caring for animals.A.Traded them with neighbori
42、ng families.B.Sold them to people in cities and town.C.Kept themselves fed and clothed.D.Nourished their crops and livestock.六、Section C(总题数：1，分数：10.00)President Clinton later today joins (36) 1 presidents Ford, Carter and Bush at “the presidents summit for Americas future “(37) 2 at recruiting one
43、million volunteer tutors to provide afterschool, weekend and summer reading help for up to three million children. Mr. Clinton will ask Congress this coming week for nearly three (38) 3dollars to fund a five-year program called “America Reads “. The program would fund the (39) 4 efforts of 20 thousa
44、nd reading (40) 5; and it would also give (41) 6to help parents help children read by the third grade, or about age eight. During his Saturday radio (42) 7, the president explained why the program is important. “We need America Reads and we need it now. Studies show that if the (43) 8fourth-graders
45、fail to read well, (44) 9. But, 40 percent of them still cant read at a basic level. “ Volunteer tutors, who provide community service in exchange for college funding, are being used in Literacy and tutoring programs (45) 10. The president says many of the Philadelphia summits corporate sponsors wil
46、l recruit tutors. (46) 11. （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)I am not sure that I can draw an exact line between wit and humor (perhaps the distinction is so subtle that only those persons can decide who have long white beards), but even an ignorant person may express an opinion in this matter. I am quite positive that humor is the more comfortable and livable quality, for humorous persons, if their gift is genuine and not a mere shine upo
