大学四级-82及答案解析.doc
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1、大学四级-82 及答案解析(总分:713.00,做题时间:90 分钟)一、BPart Writing(总题数:1,分数:106.00)1.有人赞成在教师节给老师送礼 2. 有人责表示反对 3. 我认为(分数:106.00)_二、BPart Reading (总题数:1,分数:70.00)Directions: In this part, you will have 15 minutes to go over the passage quickly and answer thequestions on Answer Sheet 1. For questions 1-7, choose the b
2、est answer from the four choicesmarked A, B, C and D. For questions 8-10, complete the sentences with the informationgiven in the passage.Taking Care of Parents Also Means Taking Care of FinancesDenise Egebrecht needed a break.It had been three years since her 86-year-old mother, Eleanor Schwartz, m
3、oved in with her and herhusband in their home in Johnsburg, Ill. Mrs. Schwartz has Alzheimers disease (老年痴呆症) and has troublemoving around, so Mrs. Egebrecht helps her mother with her shower each day, makes sure shes fed andtakes her on small excursions (远足) to the mall in a portable wheelchair. The
4、 routine includes occasionallyreminding her mother of what day it is and where shes living.Mrs. Egebrecht does all this while also raising her 8-year-old daughter Jaqueline and juggling a fulltime job.“My mom took care of me all of my life,“ says Mrs. Egebrecht. “Of course Im going to take care ofhe
5、r now. Shell live here as long as shes able.“But money was an issue. For a time, Mrs. Egebrecht was out of work, having lost her job last year.Although her husband was still employed, without her salary she found it increasingly difficult to pay $180a week for the adult day care center Mrs. Schwartz
6、 attends regularly.Then, through the Family Alliance office in her town, Mrs. Egebrecht heard about a $1,000 “respitecare (临时看护) grant sponsored by the Alzheimers Foundation of America (AFA).Intended to give primary caregivers the break they so often need, the grant money must be usedto pay for temp
7、orary substitute care, said Carol Steinberg, executive vice president of the AlzheimersFoundation. Mrs. Egebrecht applied for and received the grant, which meant her mother could continue togo to the adult day care center and Mrs. Egebrecht had time to find another job, which she has.Mrs. Egebrecht
8、is one of the growing numbers of Americans facing the financial squeeze that cancome from caring for elderly parents.About 30 percent of adult children in the United States contribute financially to their parents care,according to the Pew Research Center. On average these children pay $2,400 a year
9、on everything fromuncovered medical expenses to making sure the refrigerator is stocked each week. The money often goesto parents who diligently saved all their lives, but in the face of longer life spans and chronic illness, thesavings just isnt enough.With all of the overwhelming emotional and med
10、ical aspects of caring for elderly parents, its naturalto ignore the consequences of spending large amounts of money on them. But so often adult children endup ignoring their own savings and retirement accounts or, worse, go into debt, because theyre taking careof their parents, says Tim Casserly, a
11、 lawyer in Albany who specializes in issues of elderly care.And if you jeopardize (损害) your own finances now, you risk putting your children in the sametough spot down the line.One way out of this bind? Take full advantage of the hundreds Of government and nonprofitprograms and services geared to th
12、e elderly throughout the country. “Theres lots of help out there, butalso lots of reasons why families dont use it,“ said Mr. Casserly.Some people may think their parents have too much money to qualify even though many of theprograms are available to elderly people with incomes of more than $100,000
13、. Or the parents may be tooproud to accept help.Whats more, these services can be difficult and time-consuming to find. And it can be a challenge todeal with the paperwork and red tape, especially when youre already overwhelmed by the daily demandsof taking care of an older parent.To help make the s
14、earch for help easier, here is expert advice and several resources that will help youfind what you need to take care of your aging parents.THE FIRST STEPHave the hard talk.“So often I see clients who are in the middle of this situation but know very little about their parentsfinances,“ said Henni Fi
15、sher, a Brooklyn clinical social worker who specializes in geriatrics (老人病学).Your parents may be unwilling or unable to give details. Or you may be uncomfortable bringing up thesubject.“It isnt easy making the transition from the one being cared for to the one giving the care,“ said Ms.Fisher.But yo
16、u cant put the conversation off any longer. Reassure your parents that youre not trying totake control away from them. You re simply trying to make sure that they have everything they need andthat you understand everything they want.During this conversation, or series of conversations, be sure to as
17、k about one of the largest expensesfor older people: assisted living or nursing home facilities. Do your parents have long-term careinsurance that can help with this exceptionally great expense? If they dont, should they get it? (For moreinformation, see our previous article “Getting Insurance for O
18、nes Frailest Years.“)THE DOCUMENTSYoull also want to make sure your parents have the proper paperwork in place. In an emergency,youll need legal authority to act on your parents behalf. Make sure your parents have signed a durablepower of attorney authorizing you or some other trustworthy person to
19、take over financial decisions -including signing checks and paying billson their behalf.And keep in mind these other necessary documents: A durable power of attorney for health care (alsocalled a health care proxy) authorizing someone to make medical decisions when your parents cannot;and a living w
20、ill outlining your parents wishes if life support is needed.These forms may be available at your local senior center. Or, a lawyer who focuses on elderly issuescan answer questions and help put this paperwork in place. To find one near you, go to the NationalAcademy of Elder Law Attorneys (www.naela
21、.org). (If you live in New York State you may need alawyers help sorting out a new 12-page complex power of attorney form, advises Mr. Casserly.)HIRING AN OUTSIDERMany families find relief when they hire a geriatric care manager. These consultants, which can costanywhere from $50 to $200 an hour, wi
22、ll assess your parents situation, offer counseling and help you findthe local services you need.So vital are these new professionals that my colleague Lesley Alderman will be devoting nextweeks Patient Money column to tips on finding the right care manager for your parents situation.(分数:70.00)(1).In
23、 the recent three years, Denise Egebrecht has been busy_. A. looking after her sick baby daughter B. helping her husband with the housework C. taking care of her sick elderly mother D. looking for a better job to support the family(分数:7.00)A.B.C.D.(2).According to Carol Steinberg, executive vice pre
24、sident of AFA, Mrs. Egebrecht can use the grantto_. A. have a luxurious holiday B. get day care for her mother C. finance her job-seeking D. cure her mothers disease(分数:7.00)A.B.C.D.(3).We learn from the Pew Research Center that one third of American adult children_. A. have parents with no savings
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- 大学 82 答案 解析 DOC
