大学六级-308及答案解析.doc
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1、大学六级-308 及答案解析(总分:703.00,做题时间:90 分钟)一、BPart Writing(总题数:1,分数:106.00)1.中英文简历有所不同,英语简历不是汉语简历的直接翻译; 2. 写英语简历要注意:不要简单罗列,要突出重点;内容安排要合理;用词准确,认真检查等等。 BHow to Write an English Resume?/B(分数:106.00)_二、BPart Reading (总题数:1,分数:70.00)BSlash Your Bills 6 Ways to Keep More Cash/BLike a lot of hardworking couples,
2、Ilah and Dennis Hardesty of Long Beach, California, live paycheck to paycheck. Their $1,200 monthly rent eats up about half of Denniss take-home pay as a manager for a racing car engine manufacturer. Private school tuition for their three teens takes another $400 bite. Income from Ilahs two part-tim
3、e jobs as a fitness trainer and school secretarydisappears at the gas station and the grocery store.The bottom line? Even with no car payments and just $300 in credit card debt, the family barely gets by. “We dont have a penny in savings“, says Ilah. “No, I actually do have one cent in my account“.W
4、ith inflation outpacing wage growth in recent years, its not hard to find families like the Hardestys running out of money before they run out of month. According to the nonpartisan (无党派的) Economic Policy Institute, which studies lower-and middle-class economic trends, the median hourly wage of an A
5、merican worker after inflation is less today than in 2003. The result is less buying power after the bills are paid.These days, inflation is hovering around three percent, so anyone who remembers the double-digit price spikes of the 1970s might wonder what all the fuss is about. But even moderate in
6、flation takes its toll, says personal finance expert Jonathan Pond, author of You Can Do It! The Boomers Guide to a Great Retirement. In fact, annual inflation of just three percent doubles the cost of living every 23 or 24 years. Meanwhile, some essential expenses energy, health care, higher educat
7、ion are far outpacing the inflation index. No wonder families are feeling pinched.Pinched doesnt have to mean powerless, though. Here, then, are six ways to save money on the big bills.BEducation Options/BHeres a pop quiz: Whos turned out move current CEOs of S health care costs have been outpacing
8、inflation, which is one reason why employers are shifting more of the insurance burden to individuals. To control the expense, many people are opting for higher deductibles and lower monthly premiums. Whats more, says Pond, “four-fifths of Americans enjoy pretty darn (非常) good health and could be sa
9、fe choosing a policy with fewer bells and whistles. If no one in your family uses expensive pharmaceuticals, why pay for a high-priced drug benefit?“But what happens if you suddenly need a costly long-term drug? Many policies allow you to upgrade to a plan with better benefits, after a six-month wai
10、ting period. You might also check out WalMart. The company recently started a program in 27 states to fill 30-day generic prescriptions for just $4 each. Nearly 300 drugs are covered. Among them are clonidine (blood pressure), metformin (diabetes) and fluoxetine (an antidepressant).HSA deposits roll
11、 over year to year, so you dont lose the money if you stay healthy. Withdrawals to pay for medical expenses are never taxed or penalized as long as you live. After age 65, you can withdraw the money for any reason without penalty, but youll have to pay taxes if the withdrawal is for nonmedical expen
12、ses.BEat Healthy, Pay Less/BThe best way to cut your food bill is to eat less. Seems obvious, but heres something you probably didnt know: Researchers at the University of Wisconsin-Madison calculated that while “supersizing“ your fast-food meal might be penny-wise (the average supersize adds just 1
13、7 percent to the price but 73 percent more calories), its literally pound-foolish.Dave Lieberman, chef and host of Good Deal With Dave Lieberman on the Food Network, throws cold water on the common belief that healthy food costs more than junk. And he dismisses the myth that coupons will save you mo
14、ney. Most coupons, he says, are designed to promote new, more expensive items. “I never use coupons unless its for something I need“.BDrive a Good Bargain/BGas goes up, gas goes down, but the long-term trend is going nowhere but up. Protect yourself by ditching that gas guzzler (原意:酒量大的人), but be ca
15、reful. Many hybrids dont get much better mileage than smaller conventional cars, says Terry Savage, and they cost a lot more.Even hybrids with excellent mpg ratings save the most money in stop-and-go city traffic. “I considered buying a hybrid“, says Savage, who takes public transportation in her ho
16、metown of Chicago and drives on weekends to get out of the city. “But most of my miles are on the highway. I figured out the difference in miles per gallon, and the extra cash outlay for the hybrid didnt make sense. But if you do a lot of city driving, it might be a good deal“.The federal government
17、 is currently offering tax credits for buying new hybrids. The credit varies considerably depending on the car.BGet a Handle on Home Energy/BYou already know that by insulating and sealing up your house, you can save money on your heating and air-conditioning bills. But did you know those improvemen
18、ts can save you big tax dollars?Many energy-efficient upgrades you make on your home during the 2006/2007 calendar years qualify for a federal tax credit up to $500 over the two years. (Tax School 101: A tax credit means a dollar-for-dollar reduction on the taxes you owe; thats better than a tax ded
19、uction, which merely lessens the amount of income on which you are taxed.)Say you spend $ 600 adding extra insulation to your attic (the most common site of heat loss). You can subtract ten percent of that cost, or $60, from your tax bill. Energy Star-rated windows and doors (an efficiency standard
20、set by the federal government) generally qualify for the credit, offsetting the higher cost of these products. But you wont get the credit if you dont claim it.BShop Smart/BClothings a basic need, but the endless cycle of sales, the proliferation of outlet stores, and online coupons can actually mak
21、e people spend more on clothing than necessary, says Kathryn Finney, author of How to Be a Budget Fashionista.Instead of grabbing everything that catches your eye, apply Finneys “cost-per-wear“ rule: “When I see something I like, I ask myself How many times am I going to wear this in a year? Then I
22、divide the price by that number. Ideally, an article of clothing should cost no more than $3 per wear“.To help you find the best deals on the Internet, theres new bargain-tracking software that notifies you (your toolbar turns colors) when your favorite stuff is on sale. Check out the Intelligent Sh
23、opping toolbar at ShopAtHome. com. Finney also likes Wow-Coupons. corn for its printable coupons that she takes to the store.When you do go shopping, dont be afraid to ask your salesperson if shes got any coupons or deals. Or ask if thats her best price. Some stores will take off as much as 15 perce
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