free money

《英语报刊选读》（卷），第1页，共10页《英语报刊选读》（卷），第2页，共10页

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桂林理工大学期末考核试卷

（2014学年度春季学期）

《》

课程(A/B卷)

课程号512060考核形式闭卷

考核日期２０14年9月日考核时长120分钟

题号一二三四总分

分值１００

实得分

统分人核分人

得分评卷人

一、阅读：段落匹配题（本大题共10小题，每小题2分，

共20分）

ProtectYourNest

[A]It'snevertooearlytoprotectyourfamily'aumostofus

aresobusyjugglingworkandfamilycommitments,wetendtoneglectthethingsthatdon't

y,wethink,we'lltakecareofthethreeesntials--

retirementsavings,unately,emergenciescan

strikeandthenit'stoolate."Failuretoplanisahugemistake,"BarbaraRaasch,managing

directoratWealthandTaxAdvisoryServices,Inc.,toldus.

[B]Howcanyouavoidthe"shouldhave,couldhave,wouldhave"scenario?Byputting

thethreeitemsatthetopofyour"todo"list--protectyourfuture,protectyourfamilyand

protectyourlegacy(遗产).

ProtectYourFuture

[C]Thenationalsavingsrateaveragedaround0.4%forthefirsthalfofthisyear,accordingtotheU.S.

DepartmentofCommerce,meaningAmericansspentawhopping99.6%

morefrightening,hso

manygoalstosavefor--ahou,thekids'collegetuition,yourretirement,occasionalvacationsandasmall

emergencyfund--it'asytofeelthere'sjustnotenoughmoneytodoitall.

[D]uknowwhatyou'respendingyourmoneyon,you

canfigureoutwhatyoudon'tneedtospenditon--andsockthosavingsaway."Everymonthyouhaveto

payyourlffirst,"saysJoeMoglia,CEOofAmeritrade."Takealittleoutofyourpaycheck."Itdoesn'thave

tobemuch--itcouldbeforegoing(放弃)thatextralatteorgettingtheDVDfreeatthelibrary.

[E]outeverysurveyofAmericaninvestorsthedaysshowsthatretirementisamain

stoundingnumberofpeopleignoretheopportunitiesofferedbyemployment-bad

ingtoarecentsurveybyAonConsulting,morethan20%ofthoeligiblefora401k

plandonotparticipateatall,whileanother53%donotsaveataratehighenoughtotakefulladvantageof

theiremployers'matchingcontribution--theclostthingtofreemoneyintheretirementsavingsuniver.

Consideritmoneythatgrowswithoutbeingtaxed.

[F]nancialplannersrecommendthatyouhaveenoughmoneyinasavingsor

money-marketaccountforatleastsixtoninemonthsofesntialexpens,includingyourmortgageorrent,

insurancepremiums,creditcardpayments,utilityandgrocerybillsandotherfixedexpens,suchascar

'salwaysagoodideatohavecashonhandonceyouareconfrontedwith

mple,iftheATMsinyourneighborhoodwereout,youcanhaveenoughto

coveryourimmediateneedsforaweekorso.

ProtectYourFamily

[G]Amajorillness,anextendeddisabilityorthelossofajobcouldwipeoutyourfinancialrervesandany

'swhatyouneedtoprotectyour

savings:

[H]tstudyofcourtrecordsanddirectinterviewsindicatedthatabouthalfof

iveofmineisabouttohaveher

√

英语报刊选读X

《英语报刊选读》（卷），第3页，共10页《英语报刊选读》（卷），第4页，共10页

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hipreplacedandbecaushe'sover65,pleunderthatagefaceenormous

bills--whenachildneedsanappendectomy,forinstance--andmanyofthemlackinsurance.

[I]Ifyourcompanyprovidesmedicalbenefits,youhavethemostcost-efficientcoverage

'reresponsibleforyourownmedicalinsurance,youmaywantto

lookintohealthsavingsaccounts(HSAs),acombinationofahighdeductiblehealthplan

dsinthe

accountgrowtax-freeandcanbewithdrawntax-freetopayforanyqualifiedmedical

expens,includingover-the-countermedications,dentalcare,eyeglassandothercosts

notusuallycoveredbyconventionalhealthinsuranceplans.

[J]80%ofAmericansdon'thaveadequatedisabilitycoverage,

accordingtoasurveybytheConsumerFederationofAmericaandtheAmericanCouncilof

alreadyhavedisabilityinsurancethroughyouremployeebenefits

plan,eitheraspaidsickleaveoractualdisabilitypaymentsifyou'reunabletoworkforan

thelf-employed,havingafinancialsafetynetivenmorecrucial.

[K]ieprematurely,alife-insurancepolicywillprovideimmediate

fundsforfuneralexpens,andmayhelpreplaceyourlostincome."Lifeinsuranceisn'ta

priorityifyouaresingle,butifyouhaveaspouordependents,youwanttomakesure

they'retakencareof,"ersfrequentlyoffercoverageaspartof

theirbenefitspackage.

ProtectYourLegacy

[L]

wantstomarthememoryofalovedonewith"IthinkthisiswhatMomwantedbutshenever

said"preventthatwiththerightadvancedirectivesanddocuments:

[M]not

justnless;it’sdownrightirresponsible.“Ifyoudiewithoutawill,”saysKarinBarkhorn,

anestateplanningattorneyatBrayanCaveLLP,”thestatedetermineshowyourastsare

disperd.“What’smore,thegovernmentcouldendupcollectingalotmoretaxthan

necessary.

[N]ownasahealthcaredirective,alivingwillspecifieswhatmedical

nizingTerri

Schiavocaearlierthisyearshowedhowtheabnceofalivingwillcanripafamilyapart.

Healthcareprovidersaregenerallyrequiredtocomplywiththewishesyoudescribeinyour

livingwill.

[O].cumentauthorizesalovedonetomakefinancial

wssomeonetorenewyourCDat

thebank,paybills,llstockorevenllyourhomeorbusiness,badontheagent's

determinationofwhatisbestforyou."Ifyouareinthehospitalandcannotpayyourbillsor

signacheck,someonewillhavetodoit,"saysRaasch."Ifanyofyourastsareheldinyour

nameonly,yourspoucan'

emotionalturmoilofyourlovedoneshavingtogotocourtwillonlyaddtoyourmiry."

Althoughit'sbesttohavethedocumentspreparedbyafamily-lawattorney,youcancover

thebasicsonyourownwithsoftwaresuchasQuicken'sWillMakerPlusorKiplinger's

WillPower.

[P]rethefoundationsofa

reofyourfamilyandyourlftoday.

dvidtoleavesomecashathomeinordertocopewithsuddenandrious

situations.

abilityinsuranceobtainedbytheemployeebenefitsplanisnotenoughforadecent

living.

ersonistooweakorlostheabilitytodothings,alivingwillisareliable

documentforrequestingmedicalmeasures.

《英语报刊选读》（卷），第5页，共10页《英语报刊选读》（卷），第6页，共10页

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ingoutabudget,wecanknowclearlywhereyourmoneygoestoandavoid

unnecessaryspending.

ourdurablepowerattorney,ifyouareunable,apersoncanbegiventheauthority

tomakefinancialdecisionsonyourbehalf.

ernmenthastodecidehowtoarrangepeople’sastsiftheydiewithoutawill.

numberofpeopledon’tmakegooduoftheretirementsavingfromtheir

employers.

childdiesunexpectedly,alifeinsurancewilloffermoneyonthefuneralwithout

delay.

hoareunder65yearsoldareadvidtoholdhealthinsuranceasmanyofthem

lackinsurance.

edtoattendtoourfamilyfinancialwell-beingbecauwethinkitneedn’tbedealt

withimmediately.

1._______2._______3._______4._______5._______

6._______7._______8._______9._______10._______

得分评卷人

二、翻译题：英译汉（本大题共5小题，每小题3分，

共15分）

tionDay,Americansweredeeplyanguishedabouttheirfuturesandthe

government’sfailuretopreventaneconomiccollapfedbygreedandanorgyof

deregulations.

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2.“Eventheoneswhocomeinexcitedabouteatingwellandexercifindthatgoodhabits

areharderandhardertomaintainastimegoeson,”rsaid.

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atthecenterofhealthandillness,heargues,andsodoctorsmustmakeallaspects

ofit----growing,buying,cooking,eating----amainstayoftheirmedicaleducations,their

personallivesandtheirpractices.

___________________________________________________________________________

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aistocaptureborrowerswhomightnototherwiuthelibrary,aswellastogive

existingcustomerstheopportunitytotrynewformats.

___________________________________________________________________________

icpublishershavebeenmorewillingtoexperimentwithsubscriptionmodels,

invitinglibrariestopayanannualfeeforunlimitedaccesstocertainbooks.

___________________________________________________________________________

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得分评卷人

三、新闻写作1（本大题共1小题，共25分）

Requirements:Suppoyouareanewditorworkingforaleadingnewspaperspecializing

assignedtowriteaninstantnewsreport（即时报道)onabig

uldwriteanewsmessageofnolessthan

leisgivenasbelow.

EarthquakeCauHeavyLossin_____City

______Thismorningaterribleearthquakehappeningin6AMhasresultedinheavy

loss,_____________________________________________________________________

___________________________________________________________________________

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得分评卷人

四、新闻写作2（本大题共1小题，共40分）

Rerequirement:Readthefollowingnewscarefullyandwriteanewscommentwithnoless

than150wordsonit.

Chinetravelerstheworld'sbiggestspenders

ByKarlaCripps,CNN

(CNN)--Chinetravelersarenowthetopsourceoftourismcashintheworld,according

toanewreportbytheUnitedNationsWorldTourismOrganization(UNWTO).

BoostedbyarisingChinecurrency,ChinetravelersspentarecordUS$102billionon

internationaltourismin2012,a40percentrifromUS$73billionin2011.

Chinetourism:Thegood,thebad,thebacklash

TheresultsfallrightinlinewithChina'soutboundtourismgrowthoverthelast10years.

TheUNWTOsaysthevolumeofinternationaltripsbyChinetravelersgrewfrom10

millionin2000to83millionin2012,makingittheworld'sfastest-growingmarket.

Sowhat'sbehindtheincrea?

TheUNWTOcreditsrapidurbanization,risingdisposableincomesandtherelaxationof

governmentrestrictionsonforeigntravel.

"In2005Chinarankedventhininternationaltourismexpenditure,andhassince

successivelyovertakenItaly,Japan,FranceandtheUnitedKingdom,"saysthereport.

"Withthe2012surge,Chinaleapedtofirstplace,surpassingbothtopspenderGermanyand

condlargestspenderUnitedStates(bothclotoUS$84billionin2012)."

Thoughthereportdidnotbreakdownspendingpertripamongstinternationaltravelers,

calculatingtotalspendbynumberoftripssuggestsChinetravelersaveragedaspendof

$1,230pertrip.

By2015,100millionChinewilltravelabroad,abenchmarkoriginallyforecastfor2020,

accordingtotheUNWTO.

AndnowthatChina'sStateCouncilhascraftedalandmarkplantokickstartChine

outboundtourismevenfurther,expectmorephenomenalgrowthfigures.

Itisdubbedthe"OutlineforNationalTourismandLeisure(2013-2020)"andisaroadmap

forrestructuringthecurrentpaidleavesystemacrossChinawithanaimtoencourage

governmentalagencies,socialorganizations,enterprisandpublicinstitutionstopromote

antly,italsogivesChineworkersmorefreedomandflexibility

ofwhereandwhentotravel.

It'sallaboutshopping

AndwhatdoChinetravelersprefertodoontheirtrips?

enofHongKongPolytechnicUniversitywhospecializesin

Chineoutboundtourism,unlikeotherglobaltravelers,Chinetouristsfocusmainlyon

shopping.

"Itisthemostprominentdifferenceandmoreevidentialinrecentyears,"saysChen.

"IfyoulookatChinetourists10yearsago,ys,

theywanttobuyluxuryproductsinItalyorParislikehandbagsandwatches."

ngGeorgArlt,directoroftheChinaOutboundTourismRearchInstitute

(COTRI),agrees,sayingshoppingisoneofthemaindriversforChinetourists.

"Luxurygoodsare20-30%lantospendUS$10,000on

shoppingandonlyspendUS$1,000onairfare,it'smuchcheaperforChinetouriststofly

abroadtoshop."

Travelingisalsoaformofsoftpower,headds,soit'sonlynaturalfortheChine

governmenttosupportitscitizenstoheadabroad.

"ForChinepeopletheUnitedStatesistheonlycompetitorleft,"hesays.

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"Theyhaveaninterestinthemodelforcapitalisticdevelopmentandwanttoewhatthey

canlearnsotheycanovertakeandbecomenumberone."

Chineareveryproudofthefactthattheyaretraveling,headds,giventheCultural

Revolutionisstillfreshthemindsofpeopleover40.

"Thishappenedallinonegeneration,"hesays."Manyhaveparentswhodidn'thaveshoes.

Allthisgrowthhappenedsofastit'sstillinlivingmemory.

"Nowthey'reshowingtheworldandthemlves:'I'mstrong,IcangospendUS$5,000for

nothing,justmypleasure.'"

Otherhotmarkets

Otheremergingmarketstoincreatourismspendingabroadoverthepastdecadeinclude

Russia,whichsawanincreaof32percentin2012toUS$43billion,bringingitfrom

venthtofifthplaceintheinternationaltourismspendingrankings.

"Emergingeconomiescontinuetoleadgrowthintourismdemand,"saidUNWTO

Secretary-GeneralTalebRifaiinastatement.

"TheimpressivegrowthoftourismexpenditurefromChinaandRussiareflectstheentryinto

thetourismmarketofagrowingmiddleclassfromthecountries,whichwillsurely

continuetochangethemapofworldtourism."

Meanwhile,traditionallyhotoutboundtourismmarkets,usuallygrowingataslowerpace,

alsopostedpositiveresults,saysthereport.

SpendingontravelabroadfromGermanyandtheUnitedStatesgrewby6%each.

SpendingfromtheUKgrewby4%andthecountryretaineditsfourthplacespotinthelistof

iturebyCanadagrewby7%,whilebothAustraliaandJapan

grewby3%.

Theonlymarketsinthetop10torecordadeclineininternationaltourismspendingwere

France(down6%)andItaly(minus1%.)

Topinternationaltourismspendersin2012

--US$102billion

y--US$83.8billion

States--US$83.7billion

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