新视野大学英语三级模拟试题及答案.doc
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1、. .新视野大学英语三级模拟试题及答案Part I Reading prehension (Skimming and Scanning)Directions: In this section, you will have 15 minutes to go over the passage quickly. For questions 17, markY (for YES) if the statement agrees with the information given in the passage;N (for NO) if the statement contradicts the in
2、formation given in the passage;NG (for NOT GIVEN) if the information is not given in the passage.For questions 810, plete the sentences with the information given in the passage.Youth of Today No savings, no pension, huge debts Leaving school or university means financial independence but does it al
3、so mean debt? Some experts say the young should take some care. It is life, but not as we know it. As this years school leavers and graduates in Britain move on to further education or work, tasting financial independence for the first time, they show signs of being entirely different to previous ge
4、nerations in their attitudes to money, according to information collected by Cash. Used to debt but more affluent than previous generations, the current crop of 16- to 24-year-olds is a plex sector of society. But if they can handle their debts, these 7.5 million young adults have the potential to b
5、ee quite sophisticated on money matters. Cash looked for the financial hallmarks of this group.They are going to be big spenders and will be targeted heavily by retailers. “The market for products and services aimed at this group has continued to thrive,” concludes research organization Mintel in it
6、s recent report for retailers “Selling to and Profiting from the Under 25s”. This is “partly because the period during which people are young, free and single, unencumbered(不受妨碍的)by parents and /or children has expanded to the late twenties and early thirties,” it says.While 13 percent of the popula
7、tion regularly pays their utility(公共设施), credit card and other bills late, this proportion rises to a remarkable 64 percent for 18- to 24-year-olds, according to research conducted among 1,000 adults by uSwitch. In theory, this suggests that more than 4 million of them are heading for such poor cred
8、it ratings that they will find it difficult to borrow in the future. But lenders may bee more flexible in their lending terms rather than lose out on this huge sector of the consumer market.Nearly one in three (28 percent) of people under 35 “do not consider their future financial position”, accordi
9、ng to research from Accenture HR Services.Although half of 18- to 25-year-olds want to own their home some day, they see almost insurmountable hurdles, according to Mintel: “For those who had not yet bought their own property, the prospect of trying to do so seemed daunting if not impossible financi
10、ally.” Or could it be that their future prosperity will depend on whether they inherit property from their parents? They regard as necessities many items which were seen as luxuries by their parents at the same age. More than nine out of 10 have their own mobile phone. “Some looked on their phone as
11、 a kind of security blanket, feeling lost without it,” says Mintel. A car is seen as “vital” by 64 percent of 18- to 25-year-olds, and designer clothes are worn by 44 percent of men and 35 percent of women in this age group, adds Mintel. puter equipment is a high priority for many twenty-year-olds.
12、Audio-visual equipment is particularly valued by young men. Credit card ownership is increasing. Nearly two thirds of young adults have a card. More than half (58 percent) of the under-25s do not pay off their credit card bill in full each month, according to Mintel including 16 percent who owe more
13、 than 500. With credit card ownership predicted to increase nearly 20 percent by 2009, the younger age group could be increasingly targeted, as they are more accustomed to borrowing than older groups. Debt is monplace in this age group. Barclays predicts that graduate debt will average 17,500 in 200
14、6, rising to nearly 34,000 by 2010. A third of this group believe they are “too young” to start thinking about a pension, according to Accenture. “There is a sea change in behavior going on here,” says Mervyn Kohler of Help the Aged. “For recent graduates who are saddled with debt and struggling to
15、buy a home, the last thing they would care about is pension planning. They have also heard the message that they will have to work until they drop, so they wonder why they should bother with a pension. But when they retire, they will expect the state to bail them out.” There is evidence to back up t
16、heir instincts. More than 73 percent of the current crop of fortyyearolds are on course to be on Pension Credit and other means tested benefits when they retire, according to the Institute of Fiscal Studies. Unless changes are made to the system, this proportion will increase. Despite these disturbi
17、ng findings, there is light at the end of the tunnel for the young. Helen Bowman, welfare officer at De Montfort Universitys Student Finance Advice Centre, believes that many 18-year-olds get into financial difficulty out of ignorance but that “they tend to be very, very good” at dealing with proble
18、ms when they face up to reality. Part of the problem is that many have received little financial education from their parents. Some young adults do not even know how to shop for food and many do not realize that convenience food from corner shops will be more expensive than fruit and vegetables and
19、other basic ingredients bought in markets or by looking for bargains, value ranges and discounts in supermarkets. The generosity of parents can also backfire. “There does e a point where parents have to stop helping,” says Bowman. Credit card panies have made debt far too accessible, she believes. I
20、t could be that lending is more strictly regulated by the authorities in future. The Liberal Democrats are increasingly concerned at the easy availability of credit and this issue could well move up the political agenda. The location of cash machines in pubs does not help, especially for a generatio
21、n that drinks heavily. Budgeting is hard for students who have to pay mobile phone and many other bills monthly but whose ine in the form of Student Loans es in at the start of term. But there are many cases of students getting into debt and then finding a way out of the mess, usually by getting a j
22、ob. Along the way, they learn how to budget and how to avoid temptation by, for instance, leaving their plastic at home. Parents may not even be aware, in many of these cases, that their children have got into debt and then scraped their way out. And people like these, who learnt the hard way, have
23、an understanding of money which is probably deeper than that of people who have never had difficulties.1. According to the Cash study, the young adults in Britain today form a plex sector of society because they lead a more affluent life by overdrawing their credit card.2. There are 13 percent of yo
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