新视野大学英语三级模拟试题及答案.docx
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新视野大学英语三级模拟试题及答案.docx
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新视野大学英语三级模拟试题及答案
新视野大学英语三级模拟试题及答案
PartIReadingComprehension(SkimmingandScanning)
Directions:
Inthissection,youwillhave15minutestogooverthepassagequickly.
Forquestions1–7,markY(forYES)ifthestatementagreeswiththeinformationgiveninthepassage;N(forNO)ifthestatementcontradictstheinformationgiveninthepassage;NG(forNOTGIVEN)iftheinformationisnotgiveninthepassage.Forquestions8–10,completethesentenceswiththeinformationgiveninthepassage.
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
Directions:
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
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