1、专业八级-445 及答案解析(总分：100.00，做题时间：90 分钟)一、PART LISTENING COM(总题数：0，分数：0.00)二、SECTION A(总题数：1，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:_三、SECTION B(总题数：1，分数：5.00)(1).Whether you keep all the receipts in a shoe box or use online banking, you should be clear about（分数：1.
2、00）A.the safety of the trading process.B.how to make the most money.C.each sum you have earned and spent.D.your ability to make major purchases.(2).Why do couples need a separate account?（分数：1.00）A.For small purchases.B.For major purchases.C.For household expenses.D.For mortgage payment.(3).Which of
3、 the following is NOT Sharons advice on checking your credit scores?（分数：1.00）A.Keep a copy of your credit report.B.Show your partner the credit report.C.Try to know your credit score.D.Lock your credit report away.(4).How does Sharon describe “money date“?（分数：1.00）A.Its relaxing.B.Its unromantic.C.I
4、ts painful.D.Its devastating.(5).To find a reliable financial adviser, you have to do all the following EXCEPT（分数：1.00）A.search his information on some websites.B.see how your friends comment on him.C.make sure hes always done a good job.D.tell him that you have high Credit record.四、SECTION C(总题数：3，
5、分数：5.00)Questions 7 and 8 are based on the following news. At the end of the news item, you will be given 20 seconds to answer the questions.Now listen to the news.（分数：2.00）(1).What is the main idea of the news item?（分数：1.00）A.Somalia is re-infected with polio virus.B.Somalia has successfully eradic
6、ated polio.C.Somalia suffers from indigenous polio.D.Polio still persists in developing countries.(2).According to the WHO, what does the success that Somalia has achieved show?（分数：1.00）A.Polio can be re-infected with virus originating from other countries.B.Polio can be eventually wiped out however
7、 persistent it may seem.C.Polio can be eradicated from areas where no central government functions.D.Polio can be eliminated from developing countries where it persists.1.Question 6 is based on the following news. At the end of the news item, you will be given 10 seconds to answer the question.Now l
8、isten to the news.Ste. Genevieve is known for the following EXCEPT（分数：1.00）A.French colonial architecture.B.French traditions.C.historic preservation.D.alternate ownership.Questions 9 and 10 are based on the following news. At the end of the news item, you will be given 20 seconds to answer the ques
9、tions.Now listen to the news.（分数：2.00）(1).How many people were on board when the tour bus crashed?（分数：1.00）A.Five.B.Six.C.Seven.D.Forty-five.(2).According to a police spokesman, what did initial inquiries show?（分数：1.00）A.Rick Vega was found to have a bad driving record.B.Navaira had been drinking be
10、fore the accident.C.Joe Casias had been speeding before the accident.D.Navaira was found to have no bus-driving license.五、PART READING COMPR(总题数：0，分数：0.00)六、TEXT A(总题数：1，分数：5.00)The pounding rain began in the middle of the night. The people of Jackson, Ohio awoke to the sound then went back to sleep
11、. The next day the rain continued, and the water began to rise. Statistics said Jackson floods once every one hundred years, but no one believed this would be the flood of the century. People were evacuated from their homes to higher ground, leaving everything behind. Buildings in the low-lying area
12、s were immersed in water. People watched as dogs, cats, cows and other animals were swept away. Cars and trucks were carried miles from their homes. The people felt helpless as they watched Mother Nature show her power.Susan returned to her sixth-grade-student-teaching experience the following Monda
13、y. She told the story to her students and showed them pictures from the newspaper. Her inspired and compassionate students took action. They stopped raising money for their trip to Camp Kern and began raising money for the flood victims. They sold lollipops, wrote letters to the community asking for
14、 donations and collected their own money. Even first-graders donated money. Mountains of clothes furniture and food piled up. Susans class made Easter baskets from shoe-boxes and filled them with candy and toys as well as toothpaste, soap, toothbrushes and shampoo.She and I loaded her moms black Che
15、vy Beretta to the ceiling with the Easter baskets. On the trip there, I wondered what I would see; I couldnt imagine losing almost everything. Dusk was beginning to set in, and I felt nervous when we arrived. My stomach dropped when I saw some houses reduced to the railroad ties that had been their
16、foundation. The smell of river water permeated the air. No carpet, furniture, plumbing or appliances remained. Knowing that only days ago this had been someones home pained my heart. How many children had grown up here? What kind of memories lingered? Would the house ever be rebuilt? The monster flo
17、od had dulled its roar and retreated, but its impact would be long-lasting.We drove from house to house, knocking on doors, ready to begin our mission. I was filled with trepidation. Would families who had been devastated by floodwater want an Easter basket? The gesture was beginning to seem useless
18、. “Hello, Im Susan Moore, and this is my friend, Allison. My sixth-graders at Pennyroyal Elementary made Easter baskets for you when they heard about the flooding because they wanted to help.“Their faces lit up as they opened their gifts. As we entered one home, a husband and wife were crouched over
19、 their floor with hammer and nails. When he opened the box, he began to cry. “I cant believe those kids did this. Let me give you some money for their school.“ As I glanced at what was left of his home, I could not believe his generous spirit. He eventually conceded to write a thank-you note instead
20、. One woman ran out to find us after opening her box, tears rolling down her face. “I collected bunny rabbits, and I lost them all in the flood. There was a small pink rabbit in my box. I can start my collection again. Thank you.“ The burly man standing next to her also had tears in his eyes.My hear
21、t was warmed as I played the small role of messenger in this tribute to the good in the human spirit. So often we hear of the shortcomings of our youth, but these youngsters answered a cry for help and gave proof that generosity and love prevail.（分数：5.00）(1).In the passage, Mother Nature showed her
22、power in all of the following ways EXCEPT（分数：1.00）A.evacuating people to higher ground.B.sweeping different kinds of animals away.C.carrying cars and trucks miles away.D.immersing buildings in the low-lying areas in water.(2).Susans students sold lollipops, asked the community for donations and coll
23、ected their own money to（分数：1.00）A.raise money for their trip to Camp Kern.B.make Easter baskets for the holiday.C.raise money for the victims in the flood.D.buy clothes, furniture and food for the school.(3).Which of the following words best describes what the author saw when they arrived in Jackso
24、n?（分数：1.00）A.Peaceful.B.Devastated.C.Placid.D.Prosperous.(4).The word “trepidation“ in the fourth paragraph means（分数：1.00）A.excitement.B.agitation.C.annoyance.D.uneasiness.(5).When the author said “I played the small role of messenger“ in the last paragraph, he meant（分数：1.00）A.he was working as a ma
25、ilman.B.he helped deliver the Easter baskets.C.he delivered written messages to the youth.D.he helped collect money for the school.七、TEXT B(总题数：1，分数：5.00)When the Dow rockets 300 points or the stocks of retailers, say, get decimated, I devour the news. Heres my admission: Im a buy-and-hold investor,
26、 and a lazy one at that. My employer prohibits us news folks to trade equities on a short-term basis, but even if it didnt, Id still buy and hold.The bulk of my portfolio is in, two retirement accounts, and neither stock-market gyrations nor major financial earthquakes prompt me to tweak my allocati
27、ons. I simply hold a fairly routine mix of low-cost U. S. and international-stock mutual funds, plus a bond fund, and I stick to it.Sure, the markets get volatile but I figure that, eventually, average historical returns will work in my favor. And, to my mind, stock-market trading, if youre not spen
28、ding many hours a week working on it, is little more than a guessing game.The fact is, a buy-and-hold investor with a decently diversified portfolio should celebrate her ability to remain firm in the face of financial-news tidal waves which prompt many, less staunch, to jump in and out of investment
29、s, often at the worst possible time.Some might say the staunch investor is akin to a passenger on the Titanic, refusing a lifeboat to safety due to misguided loyalty to the idea of “buy and hold.“ But as long as three prerequisites are satisfied, that investor is among the most prudent savers around
30、: a well-diversified investment plan, invested in low-cost index funds, with a long-term outlook.In fact, if youre not going to be an active, pay-attention-every-day investor, setting up a simple plan and then forgetting about it may be the best retirement-savings decision you make. “What is often p
31、roblematic is the middle ground. People will set something up and then follow it intermittently and on a whim make changes,“ says John Nofsinger, associate professor of finance at Washington State University and author of “The Psychology of Investing.“Those who follow the markets tangentially but do
32、nt take time for deeper analysis tend to buy high and sell low. If, like me, youre not going to spend time daily on your plan, then set it and forget it.Note that, unless you have a rock-solid pension plan from your employer and significant other assets, youre going to need to invest, Interest rates
33、 on cash simply wont get most savers to a well-funded retirement. What to do?1. Create a plan. That means investing in low-cost index funds covering the U.S. stock market, perhaps 10% to 25% of your portfolio in international stock funds, plus exposure to bonds (a typical scenario is 70% or 80% in s
34、tocks and 30% or 20% in bonds), and perhaps some portion in a money-market or cash-type account. Keep in mind that your focus is not to beat the market.2. Once your plan is in place, ignore it. “I do virtually nothing. I do less than I do for my car. Theres not even a need to change the oil,“ Mr. St
35、atman says. If rebalancing worries you, dont even do that except perhaps once every few years. And make sure you focus on getting back to your investment plan, rather than chasing the winners of the moment. “If the stock market went up that year and maybe bonds didnt, so you take a little out of the
36、 stock market and put it in bonds to reallocate to where your targets originally were, I think thats a good strategy,“ Mr. Nofsinger says.3. Accept risk. Yes, stock-market investing is risky. But over the long haul, investors are rewardedif they adopt a long-term outlook and diversified investment p
37、lan. “Risk is not something you want, but oftentimes risk does go hand in hand with return,“ says Peng Chen, chief investment officer of Ibbotson Associates, an investment research and consulting firm owned by Morningstar in Chicago. Keep in mind: Avoid this risk with money you need soon, say, in th
38、e next year or two. And remember that the more you invest in one company, sector or country, the more risk youre taking on.4. Stay in for the long haul. We have no idea whats coming tomorrow, and past stock-market performance does not predict future results. But what is your alternative? Stick all y
39、our cash in a money-market account, a CD or, slightly riskier, bonds? You are not avoiding risk with this plan, simply shifting to the risk inflation will trump your return.5. Do what you can. The investment options available through your retirement plan may not be ideal. Invest there for the employ
40、er match, but ensure diversification through an account outside your employer plan, perhaps an individual retirement account or Roth IRA.（分数：5.00）(1).Why does the author choose to be “a buy-and-hold investor“?（分数：1.00）A.Because his employer prohibits him to trade equities on a short-term basis.B.Bec
41、ause he believes that long-term return will balance out short-term fluctuation.C.Because he is misguided by the loyalty to the idea of “buy and hold.“D.Because he is an active investor and keeps an eye on stock markets every day.(2).The word “volatile“ in the third paragraph means（分数：1.00）A.explosiv
42、e.B.transient.C.unstable.D.lively.(3).When the author mentions the Titanic analogy,（分数：1.00）A.he is in favor of it.B.his view is balanced.C.he is slightly critical of it.D.he is strongly critical of it.(4).Which of the following is NOT one of the authors suggestions on investment?（分数：1.00）A.Create a
43、 reasonable investment plan with a decently diversified portfolio.B.Forget about the investment plan completely, once it is in place.C.Remember that risk comes with return in stock-market investment.D.Stay in the investment market with a long-term vision.(5).This passage mainly focuses on（分数：1.00）A.
44、a well-diversified investment plan.B.investing in low-cost index funds.C.a long-term investment outlook.D.accepting risk in stock markets.八、TEXT C(总题数：1，分数：5.00)The concern throughout the world in 1988 for those three whales that were locked in the Arctic ice was dramatic proof that whales, several
45、species of which face extinction, have become subjects of considerable sympathy.These are the recorded voices of whales. These monstrous creatures have been trumpeting their songs, one to another, in the worlds Oceans since the dawn of time, while overhead, great empires and civilizations have come
46、and gone. Now, their time of decline has .come. It began a long time ago.Four-thousand-year-old rock carvings show that the people who lived in what is now Norway were probably the first to seek out and kill whales in the sea. By around 890 AD, 3,000 years later, the practice had spread to the Basqu
47、e people of France and Spain, who hunted whales from boats in the Bay of Biscay. In the centuries that followed, Whaling became an important industry in Denmark, England, Germany, the Netherlands, and, finally, in what would become America.Whaling went into dramatic decline, beginning around 1900. T
48、oday, whales are hunted commercially only by Norway, Iceland and Japan. The worlds fascination with them, however, is at an all-time high, because so few of them are left, given their tragic history.Richard Ellis writes about whales, takes pictures of whales in the open sea, and sketches whales stra
49、nded on the beach. He says its a 20-year obsession that began in the mid-1960s, when he designed a model of a great blue for the Museum of Natural History in New York “As I began to do the research, I realized that nobody knew anything about whales. And I couldnt really find any pictures of what they looked like: all I could find was pictures of dead whales. And I became very excited at t
