新视野大学英语三级模拟试题及答案Word文档格式.docx

新视野大学英语三级模拟试题及答案Word文档格式.docx

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YouthofToday

—Nosavings,nopension,hugedebts—

Leavingschooloruniversitymeansfinancialindependence—butdoesitalsomeandebtSomeexpertssaytheyoungshouldtakesomecare.

Itislife,butnotasweknowit.Asthisyear’sschoolleaversandgraduatesinBritainmoveontofurthereducationorwork,tastingfinancialindependenceforthefirsttime,theyshowsignsofbeingentirelydifferenttopreviousgenerationsintheirattitudestomoney,accordingtoinformationcollectedbyCash.Usedtodebtbutmoreaffluentthanpreviousgenerations,thecurrentcropof16-to24-year-oldsisacomplexsectorofsociety.Butiftheycanhandletheirdebts,thesemillionyoungadultshavethepotentialtobecomequitesophisticatedonmoneymatters.

Cashlookedforthefinancialhallmarksofthisgroup.

Theyaregoingtobebigspendersandwillbetargetedheavilybyretailers.“Themarketforproductsandservicesaimedatthisgrouphascontinuedtothrive,”concludesresearchorganizationMintelinitsrecentreportforretailers“SellingtoandProfitingfromtheUnder25s”.Thisis“partlybecausetheperiodduringwhichpeopleareyoung,freeandsingle,unencumbered（不受妨碍的）byparentsand/orchildrenhasexpandedtothelatetwentiesandearlythirties,”itsays.

While13percentofthepopulationregularlypaystheirutility（公共设施）,creditcardandotherbillslate,thisproportionrisestoaremarkable64percentfor18-to24-year-olds,accordingtoresearchconductedamong1,000adultsby.Intheory,thissuggeststhatmorethan4millionofthemareheadingforsuchpoorcreditratingsthattheywillfinditdifficulttoborrowinthefuture.Butlendersmaybecomemoreflexibleintheirlendingtermsratherthanloseoutonthishugesectoroftheconsumermarket.

Nearlyoneinthree（28percent）ofpeopleunder35“donotconsidertheirfuturefinancialposition”,accordingtoresearchfromAccentureHRServices.

Althoughhalfof18-to25-year-oldswanttoowntheirhomesomeday,theyseealmostinsurmountablehurdles,accordingtoMintel:

“Forthosewhohadnotyetboughttheirownproperty,theprospectoftryingtodososeemeddaunting—ifnotimpossible—financially.”Orcoulditbethattheirfutureprosperitywilldependonwhethertheyinheritpropertyfromtheirparents

Theyregardasnecessitiesmanyitemswhichwereseenasluxuriesbytheirparentsatthesameage.Morethannineoutof10havetheirownmobilephone.“Somelookedontheirphoneasakindofsecurityblanket,feelinglostwithoutit,”saysMintel.Acarisseenas“vital”by64percentof18-to25-year-olds,anddesignerclothesarewornby44percentofmenand35percentofwomeninthisagegroup,addsMintel.Computerequipmentisahighpriorityformanytwenty-year-olds.Audio-visualequipmentisparticularlyvaluedbyyoungmen.

Creditcardownershipisincreasing.Nearlytwothirdsofyoungadultshaveacard.Morethanhalf（58percent）oftheunder-25sdonotpayofftheircreditcardbillinfulleachmonth,accordingtoMintel—including16percentwhoowemorethan￡500.Withcreditcardownershippredictedtoincreasenearly20percentby2009,theyoungeragegroupcouldbeincreasinglytargeted,astheyaremoreaccustomedtoborrowingthanoldergroups.

Debtiscommonplaceinthisagegroup.Barclayspredictsthatgraduatedebtwillaverage￡17,500in2006,risingtonearly￡34,000by2010.

Athirdofthisgroupbelievetheyare“tooyoung”tostartthinkingaboutapension,accordingtoAccenture.“Thereisaseachangeinbehaviorgoingonhere,”saysMervynKohlerofHelptheAged.“Forrecentgraduateswhoaresaddledwithdebtandstrugglingtobuyahome,thelastthingtheywouldcareaboutispensionplanning.Theyhavealsoheardthemessagethattheywillhavetoworkuntiltheydrop,sotheywonderwhytheyshouldbotherwithapension.Butwhentheyretire,theywillexpectthestatetobailthemout.”

Thereisevidencetobackuptheirinstincts.Morethan73percentofthecurrentcropofforty–year–oldsareoncoursetobeonPensionCreditandothermeans—testedbenefitswhentheyretire,accordingtotheInstituteofFiscalStudies.Unlesschangesaremadetothesystem,thisproportionwillincrease.

Despitethesedisturbingfindings,thereislightattheendofthetunnelfortheyoung.HelenBowman,welfareofficeratDeMontfortUniversity’sStudentFinanceAdviceCentre,believesthatmany18-year-oldsgetintofinancialdifficultyoutofignorancebutthat“theytendtobevery,verygood”atdealingwithproblemswhentheyfaceuptoreality.

Partoftheproblemisthatmanyhavereceivedlittlefinancialeducationfromtheirparents.Someyoungadultsdonotevenknowhowtoshopforfoodandmanydonotrealizethatconveniencefoodfromcornershopswillbemoreexpensivethanfruitandvegetablesandotherbasicingredientsboughtinmarketsorbylookingforbargains,valuerangesanddiscountsinsupermarkets.

Thegenerosityofparentscanalsobackfire.“Theredoescomeapointwhereparentshavetostophelping,”saysBowman.

Creditcardcompanieshavemadedebtfartooaccessible,shebelieves.

Itcouldbethatlendingismorestrictlyregulatedbytheauthoritiesinfuture.TheLiberalDemocratsareincreasinglyconcernedattheeasyavailabilityofcreditandthisissuecouldwellmoveupthepoliticalagenda.Thelocationofcashmachinesinpubsdoesnothelp,especiallyforagenerationthatdrinksheavily.BudgetingishardforstudentswhohavetopaymobilephoneandmanyotherbillsmonthlybutwhoseincomeintheformofStudentLoanscomesinatthestartofterm.

Buttherearemanycasesofstudentsgettingintodebtandthenfindingawayoutofthemess,usuallybygettingajob.Alongtheway,theylearnhowtobudgetandhowtoavoidtemptationby,forinstance,leavingtheirplasticathome.

Parentsmaynotevenbeaware,inmanyofthesecases,thattheirchildrenhavegotintodebtandthenscrapedtheirwayout.Andpeoplelikethese,wholearntthehardway,haveanunderstandingofmoneywhichisprobablydeeperthanthatofpeoplewhohaveneverhaddifficulties.

1.AccordingtotheCashstudy,theyoungadultsinBritaintodayformacomplexsectorofsocietybecausetheyleadamoreaffluentlifebyoverdrawingtheircreditcard.

2.Thereare13percentofyoungadultswhoregularlypaytheirbillslate.

3.Overninetypercentof18-to25-year-oldshavegottheirownmobilephones.

4.Itispredictedthattherewillbemorecreditcardusersamongyoungpeoplethanamongolderpeople.

5.Theaveragegraduatedebtwillbegreatlyincreasedinthecomingfiveyears.

6.Mostyoungpeopledidn’treceiveenoughfinancialeducationfromtheirparents.

7.Thepassagesuggeststhatparentsshouldalwayshelptheirchildreninpayingtheirdebt.

8.Comparedwithpreciousgenerations,thecurrentgraduateshaveverydifferentattitudesto____________________.

9.Atthetimewhentheirparentswereyoung,alotofmodernnecessaryequipmentownedbyyoungpeoplenowwasregardedas____________________.

10.Thelastthingmostyoungpeoplethinktheyarestilltooyoungtobotheraboutis____________________.

PartIIListeningComprehension

SectionAConversations

Inthissection,youwillhear8shortconversationsand2longconversations.Attheendofeachconversation,oneormorequestionswillbeaskedaboutwhatwassaid.Boththeconversationandthequestionswillbespokenonlyonce.Aftereachquestiontherewillbeapause.Duringthepause,youmustreadthefourchoicesmarkedA）,B）,C）andD）,anddecidewhichisthebestanswer.

11.A）Shewon’tdofavorsforothers.

B）She’llreturnthebookonherwaytowork.

C）Shecan’treturnthebookfortheman.

D）Sheworksattheschoollibrary.

12.A）Toputhiscallthroughtothedirector.

B）Toarrangeanappointmentforhimtoseethedirector.

C）Totellthedirectorabouttheworkheisdoing.

D）Togoandseeifthedirectorcanmeethimrightnow.

13.A）Shewantstofurtherherstudyrightaway.

B）Shewantstoquithergraduatecourse.

C）Shehasn’tdecidedifshe’llstudyforhermaster’sdegree.

D）She’llfindajobrightaftergraduation.

14.A）He’lldrivethewomantoschool.

B）He’llridehisbicycletoschool,too.

C）He’lljoinherinherexerciseclass.

D）He’llteachthewomanhowtorideabicycle.

15.A）They’recolleagues.

B）They’refriends.

C）They’reclassmates.

D）They’retwins.

16.A）Waterherflowerswhileshe’saway.

B）Buyhersomeflowersandtakecareofthem.

C）Cleanherhousewhilesheisonbusiness.

D）Waterherflowersinhissparetime.

17.A）Hedoesn’thaveanyquestionsforher.

B）Hewon’tbeabletotakeatrip.

C）Hecanstudyduringthespringbreak.

D）Hehasn’tdecidedifhecantakeatrip.

18.A）Hisfathertoldhimtogotomedicalschool.

B）Hisfatherstudiedmedicinewhenyoung.

C）Hisfathertaughtinamedicalschool.

D）Hisdecisionsurprisedhisfather.

Questions19to22arebasedontheconversationyouhavejustheard.

19.A）Becauseshedoesn’twanttogiveuphermajor.

B）Becauseshedoesn’tlovehimanymore.

C）Becauseshedoesn’twanttoquitherjob.

D）Becau