1、大学英语六级 43 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 30 minutes to write a short essay entitled Class Skipping in Universities. You should write at least 150 words following the outline given below. 1大学生逃课现象概述 2大学生逃课的原因和影响 3我对这一问题的看法 （分数：30.00）_二、
2、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 call from her fathers neighbor, the self-employ
3、ed 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 insurance,“ Fredman says. “He was in hospitals a
4、nd 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 financial well-being. Yet because most of us a
5、re 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, emergencies can strike and then its too late. “Fa
6、ilure 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“ listprotect your future, protect your family and prot
7、ect 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 July the savings rate dropped below zero. We a
8、ll 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 create a budget. Once you know what youre spen
9、ding 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 be foregoing that extra latte or getting the
10、 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. According to a recent survey by Aon Consultin
11、g, 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 universe. Consider it money that grows without be
12、ing 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 payments, utility and grocery bills and other fi
13、xed 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 so. Protect Your Family A major illness, an
14、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 records and direct interviews indicated that about
15、 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 appendectomy, for instanceand many of them lack
16、 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, you have the most cost-efficient (节省成本的) cov
17、erage 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. The funds in the account grow tax-free and c
18、an 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 dont have adequate disability coverage, accor
19、ding 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 work for an extended period of time. But these p
20、rograms 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 help replace your lost income. “Life insuranc
21、e 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 thoughtful legacies that anyone can leave is peace
22、 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 country dies without a will. This is not just sens
23、eless; 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 more tax than necessary. 8. A living will. A
24、lso 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 providers are generally required to comply with
25、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 even sell your home or business, based on the
26、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 court appoints him guardian. The emotional t
27、urmoil 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. Insurance coverage. Estate planning. These ar
28、e 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 loss.（分数：7.10）A.YB.NC.NG(3).Life insurance is
29、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 people are so busy with their daily routines tha
30、t 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 someone to make your financial decision, you n
31、eed to_.（分数：7.10）_三、Listening Comprehens(总题数：1，分数：15.00)A.The man thinks traveling by air is quite safe.B.The woman never travels by plane.C.Both speakers feel nervous when flying.D.The speakers feel sad about the serious loss of life.A.At the information desk.B.In an office.C.In a restaurant.D.At a
32、 railway station.A.Write the letter.B.Paint the shelf.C.Fix the shelf.D.Look for the pen.A.It gives a 30% .discount to all customers.B.It is run by Mrs. Winters husband.C.It hires Mrs. Winter as an adviser.D.It encourages husbands to shop on their own.A.Long exposure to the sun.B.Lack of sleep.C.Too
33、 tight a hat.D.Long working hours.A.His English is still poor after ten years in America.B.He doesnt mind speaking English with an accent.C.He doesnt like the way Americans speak.D.He speaks English as if he were a native speaker.A.An auto mechanic.B.An electrician.C.A carpenter.D.A telephone repair
34、man.A.They both enjoyed watching the game.B.The man thought the results were beyond their expectations.C.They both felt good about the results of the game.D.Professor and student.A.Manager and employee.B.Salesman and customer.C.Guide and tourist.D.Professor and student.A.Tom has arranged a surprise
35、party for Lucy.B.Tom will keep the surprise party a secret.C.Tom and Lucy have no secrets from each other.D.Tom didnt make any promise to Lucy.四、Section A(总题数：2，分数：10.00)A.Memories of a recent storm.B.How strong winds develop into a hurricane.C.Weather patterns that can affect Florida.D.Planning a s
36、ummer vacation.A.By name.B.By number.C.By location.D.By month.A.Study a weather map.B.Visit a weather station.C.Watch a weather report.D.Go to a storm shelter.A.Its only open to poetry majors.B.It requires another course first.C.Its already full.D.Its only offered in the morning.A.The class meets du
37、ring his working hours.B.The class is too far away.C.He has another class at the same time.D.Hes already familiar with the material.A.Its courses cost less.B.It has a pool.C.The class size is smaller.D.It may offer the course he needs during the day.五、Section B(总题数：3，分数：30.00)A.Some brave teachers r
38、an secret night schools.B.Teachers who were found educating black children were forced to leave town.C.The first African Free School was opened in New York City.D.Several African free schools began receiving public funding.A.They attempted to burn the school building down.B.They attempted to call th
39、e local police.C.They attempted to use laws against those students.D.They attempted to kill Crandall.A.Because she was arrested and imprisoned.B.Because a white mob attacked the school.C.Because she was afraid that the students would be killed or badly injured.D.Because a law was passed making it il
40、legal to provide a free education for black students.A.Its unnecessary for good people to do anything in face of evil.B.Its certain that evil will prevail if good men do nothing about it.C.Its only natural for virtue to defeat evil.D.Its desirable for good men to keep away from evil.A.Less self disc
41、ipline.B.Better sense of discipline.C.More mutual respect.D.Less effective government.A.Stricter discipline should be maintained in schools and families.B.More good examples should be set for people to follow.C.More restrictions should be imposed on peoples behavior.D.More people should accept the v
42、alue of responsibility.A.They have nothing to do with each other.B.They have something to do with each other.C.They help each other in a way.D.They depend on each other.A.Other living things change their environment while man doesnt.B.Man alters his environment while he is adapted to it, but other l
43、iving things do not.C.Other living things is not only adapted to their environment but also alters it.D.Man is only adapted to the environment but he doesnt alter it.A.The relationship between man and his environment.B.The relationship between living things and their environment.C.The relationship b
44、etween man and living things.D.The relationship between mans brain and other living things.六、Section C(总题数：1，分数：10.00)President Clinton later today joins (S1) 1 President Ford. Carter and Bush at “the presidents summit or America s future (S2) 2 at recruiting one million volunteer tutors to provide
45、after-school, weekend and summer reading help for up to three million children. Mr. Clinton will ask Congress this coming week for nearly three (S3) 3 dollars to fund a five-year program called “America Reads“. The program would fund the (S4,) 4 efforts of 20 thousand reading (S5) 5 and it would als
46、o give (S6) 6 to help parents help children read by the third grade, or about age eight. During his Saturday radio (S7) 7, the president explained why the program is important; “we need America Reads and we need it now. Studies show that if the fourth-graders fail to read well, (S8) 8. But, 40 perce
47、nt 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. (S9) 9. The president says many of the Philadelphia summits corporate sponsors will recruit tutors. (S10) 10. （分数：10.00）填空项 1:_填空项 1:_填空项 1:_填空项 1:_填空项 1:_
