英语报刊选读期末考试B卷

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：号座 ∶∶∶∶∶∶∶∶∶∶ ：装 )室教(场考 ∶∶∶∶∶∶∶∶∶∶∶ ：级订班、业专、级年：∶∶∶∶∶∶∶∶∶∶∶∶∶ )院线( 系：名姓：号学 ∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶ 桂林理工大学期末考核试卷

（2014 学年度春季学期）

《英语报刊选读 X 》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） Protect Your Nest

[A] It's never too early to protect your family's financial well-being. Yet because most of us are so busy juggling work and family commitments, we tend to neglect the things that don't require immediate attention. Some day, we think, we'll take care of the three essentials -- retirement savings, insurance coverage and estate planning. Unfortunately, emergencies can strike and then it's too late. \"Failure to plan is a huge mistake,\" Barbara Raasch, managing director at Wealth and Tax Advisory Services, Inc., told us.

[B] How can you avoid the \"should have, could have, would have\" scenario? By putting these three items at the top of your \"to do\" list -- protect your future, protect your family and protect your legacy(遗产). Protect Your Future

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[C] The national savings rate averaged around 0.4% for the first half of this year, according to the U.S. Department of Commerce, meaning Americans spent a whopping 99.6% of their after-tax earnings. Even more frightening, in July the savings rate dropped below zero. We all know we should save more. But with so many goals to save for -- a house, the kids' college tuition, your retirement, occasional vacations and a small emergency fund -- it's easy to feel there's just not enough money to do it all.

[D] Budget. The first step is to create a budget. Once you know what you're spending your money on, you can figure out what you don't need to spend it on -- and sock those savings away. \"Every month you have to

pay yourself first,\" says Joe Moglia, CEO of Ameritrade. \"Take a little out of your paycheck.\" It doesn't have to be much -- it could be foregoing(放弃) that extra latte or getting the DVD free at the library.

[E] Retirement. Just about every survey of American investors these days shows that retirement is a main

reason for saving. Yet an astounding number of people ignore the opportunities offered by employment-based retirement plans. According to a recent survey by Aon Consulting, more than 20% of those eligible for a 401k plan do not participate at all, while another 53% do not save at a rate high enough to take full advantage of their employers' matching contribution -- the closest thing to free money in the retirement savings universe. Consider it money that grows without being taxed.

[F] Emergency reserves. Many financial planners recommend that you have enough money in a savings or money-market account for at least six to nine months of essential expenses, including your mortgage or rent, insurance premiums, credit card payments, utility and grocery bills and other fixed expenses, such as car payments or student loans. And it's always a good idea to have cash on hand once you are confronted with emergency situations. For example, if the ATMs in your neighborhood were out, you can have enough to cover your immediate needs for a week or so. Protect Your Family

[G] A major illness, an extended disability or the loss of a job could wipe out your financial reserves and any prospect of being able to save enough to achieve your other life goals. Here's what you need to protect your savings:

[H] Health insurance. A recent study of court records and direct interviews indicated that about half of personal bankruptcies in the U.S. are caused in part by medical debts. A relative of mine is about to have her

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hip replaced and because she's over 65, Medicare is paying for it. But people under that age face enormous dispersed. “ What’s more, the government could end up collecting a lot more tax than bills -- when a child needs an appendectomy, for instance -- and many of them lack insurance. [I] If your company provides medical benefits, you have the most cost-efficient coverage available. Sign up. If you're responsible for your own medical insurance, you may want to look into health savings accounts (HSAs), a combination of a high deductible health plan and a tax-deductible savings account allocated to health care expenses. The funds in the necessary.

[N] A living will. Also known as a health care directive, a living will specifies what medical measures should be used to keep you alive if you are incapacitated. The agonizing Terri Schiavo case earlier this year showed how the absence of a living will can rip a family apart. Health care providers are generally required to comply with the wishes you describe in your 座号： ∶∶∶∶∶∶∶∶∶∶ account grow tax-free and can be withdrawn tax-free to pay for any qualified medical expenses, including over-the-counter medications, dental care, eyeglasses and other costs not usually covered by conventional health insurance plans.

[J] Disability insurance. Over 80% of Americans don't have adequate disability coverage, according to a survey by the Consumer Federation of America and the American Council of Life Insurers. You may already have disability insurance through your employee benefits plan, either as paid sick leave or actual disability payments if you're unable to work for an extended period of time. But these programs tend to pay far less than your weekly salary. For the self-employed, having a financial safety net is even more crucial.

[K] Life insurance. If you die prematurely, a life-insurance policy will provide immediate funds for funeral expenses, and may help replace your lost income. \"Life insurance isn't a priority if you are single, but if you have a spouse or dependents, you want to make sure they're taken care of,\" says Barbara Raasch. Employers frequently offer coverage as part of their benefits package. Protect Your Legacy

[L] One of the most thoughtful legacies that anyone can leave is peace of mind. No one wants to mar the memory of a loved one with \"I think this is what Mom wanted but she never said\" doubts. You can prevent that with the right advance directives and documents: [M] A will. Over half of the adult population in this country dies without a will. This is not just senseless; it’s downright irresponsible. “ If you die without a will,” says Karin Barkhorn, an estate planning attorney at Brayan Cave LLP,” the state determines how your assets are

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[O]. Durable power of attorney. This document authorizes a loved one to make financial decisions on your behalf should you become unable. It allows someone to renew your CD at the bank, pay bills, sell stock or even sell your home or business, based on the agent's determination of what is best for you. \"If you are in the hospital and cannot pay your bills or sign a check, someone will have to do it,\" says Raasch. \"If any of your assets are held in your

name only, your spouse can't touch that money unless the court appoints him guardian. The emotional turmoil of your loved ones having to go to court will only add to your misery.\" Although it's best to have these documents prepared by a family-law attorney, you can cover the basics on your own with software such as Quicken's WillMaker Plus or Kiplinger's WillPower.

[P] Retirement savings. Insurance coverage. Estate planning. These are the foundations of a financial well-being plan. Take care of your family and yourself today.

1. We are advised to leave some cash at home in order to cope with sudden and serious situations.

2.The disability insurance obtained by the employee benefits plan is not enough for a decent living.

3. Once a person is too weak or loses the ability to do things, a living will is a reliable document for requesting medical measures.

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装： )∶∶∶∶∶∶∶∶∶∶∶室教(场考：订级班∶∶∶∶∶∶∶∶∶∶∶∶∶、业专、级年： )线院( 系∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶ ：名姓：号学：号座 ∶∶∶∶∶∶∶∶∶∶ ：装 )室教(场考 ∶∶∶∶∶∶∶∶∶∶∶ ：订级班、业专、级年 ∶∶∶∶∶∶∶∶∶∶∶∶∶： )院线( 系：名姓：号学 ∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶ 4. By working out a budget, we can know clearly where your money goes to and avoid unnecessary spending.

5. Under your durable power attorney, if you are unable, a person can be given the authority to make financial decisions on your behalf.

6. The government has to decide how to arrange people’s assets if they die without a will. 7. A large number of people don’t make good use of the retirement saving from their employers.

8. If your child dies unexpectedly, a life insurance will offer money on the funeral without delay.

9. Those who are under 65 years old are advised to hold health insurance as many of them lack insurance.

10. We failed to attend to our family financial well-being because we think it needn’t be dealt with immediately.

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）

1. By Election Day, Americans were deeply anguished about their futures and the government’s failure to prevent an economic collapse fed by greed and an orgy of deregulations.

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2. “Even the ones who come in excited about eating well and exercise find that good habits are harder and harder to maintain as time goes on,” Dr. Kushner said.

___________________________________________________________________________ ___________________________________________________________________________

3. Food is at the center of health and illness, he argues, and so doctors must make all aspects of it---- growing, buying, cooking, eating---- a mainstay of their medical educations, their personal lives and their practices.

______________________________________________________________________________________________________________________________________________________

4. The idea is to capture borrowers who might not otherwise use the library, as well as to give existing customers the opportunity to try new formats.

___________________________________________________________________________

5. Academic publishers have been more willing to experiment with subscription models, inviting libraries to pay an annual fee for unlimited access to certain books.

Requirements: Suppose you are a news editor working for a leading news paper specializing in sudden event report. You are assigned to write an instant news report（即时报道) on a big earth quake that just happened in your city. You should write a news message of no less than 60 words in which key information of a report are to be included. The title is given as below. Earthquake Cause Heavy Losses in _____City

______This morning a terrible earthquake happening in 6 AM has resulted in heavy losses,________________________________________________________________________________________________________________________________________________

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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: Read the following news carefully and write a news comment with no less than 150 words on it.

Chinese travelers the world's biggest spenders

By Karla Cripps, CNN

(CNN) -- Chinese travelers are now the top source of tourism cash in the world, according to a new report by the United Nations World Tourism Organization (UNWTO).

Boosted by a rising Chinese currency, Chinese travelers spent a record US$102 billion on international tourism in 2012, a 40 percent rise from US$73 billion in 2011. Chinese tourism: The good, the bad, the backlash

The results fall right in line with China's outbound tourism growth over the last 10 years. The UNWTO says the volume of international trips by Chinese travelers grew from 10 million in 2000 to 83 million in 2012, making it the world's fastest-growing market. So what's behind the increase?

The UNWTO credits rapid urbanization, rising disposable incomes and the relaxation of government restrictions on foreign travel.

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\"In 2005 China ranked seventh in international tourism expenditure, and has since successively overtaken Italy, Japan, France and the United Kingdom,\" says the report. \"With the 2012 surge, China leaped to first place, surpassing both top spender Germany and second largest spender United States (both close to US$84 billion in 2012).\" Though the report did not break down spending per trip amongst international travelers, calculating total spend by number of trips suggests Chinese travelers averaged a spend of $1,230 per trip. By 2015, 100 million Chinese will travel abroad, a benchmark originally forecast for 2020, according to the UNWTO. And now that China's State Council has crafted a landmark plan to kick start Chinese outbound tourism even further, expect more phenomenal growth figures. It is dubbed the \"Outline for National Tourism and Leisure (2013-2020)\" and is a roadmap for restructuring the current paid leave system across China with an aim to encourage governmental agencies, social organizations, enterprises and public institutions to promote the use of leave days. Importantly, it also gives Chinese workers more freedom and flexibility of where and when to travel. It's all about shopping And what do Chinese travelers prefer to do on their trips? According to Dr. Yong Chen of Hong Kong Polytechnic University who specializes in Chinese outbound tourism, unlike other global travelers, Chinese tourists focus mainly on shopping. \"It is the most prominent difference and more evidential in recent years,\" says Chen. \"If you look at Chinese tourists 10 years ago, they will mainly buy souvenirs. Nowadays, they want to buy luxury products in Italy or Paris like handbags and watches.\" Dr. Wolfgang Georg Arlt, director of the China Outbound Tourism Research Institute (COTRI), agrees, saying shopping is one of the main drivers for Chinese tourists. \"Luxury goods are 20-30% cheaper in other global cities. If you plan to spend US$10,000 on shopping and only spend US$1,000 on airfare, it's much cheaper for Chinese tourists to fly abroad to shop.\" Traveling is also a form of soft power, he adds, so it's only natural for the Chinese government to support its citizens to head abroad. \"For Chinese people the United States is the only competitor left,\" he says. 《英语报刊选读》（卷），第 8 页，共 10 页

∶∶∶∶∶∶∶∶∶∶ ：号座装： )∶∶∶∶∶∶∶∶∶∶∶室教(场考：订级班∶∶∶∶∶∶∶∶∶∶∶∶∶、业专、级年： )线院( 系∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶ ：名姓：号学：号座 ∶∶∶∶∶∶∶∶∶∶ ：装 )室教(场考 ∶∶∶∶∶∶∶∶∶∶∶ ：订级班、业专、级年 ∶∶∶∶∶∶∶∶∶∶∶∶∶： )院线( 系：名姓：号学 ∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶∶ \"They have an interest in the model for capitalistic development and want to see what they can learn so they can overtake and become number one.\" Chinese are very proud of the fact that they are traveling, he adds, given the Cultural Revolution is still fresh the minds of people over 40. \"This happened all in one generation,\" he says. \"Many have parents who didn't have shoes. All this growth happened so fast it's still in living memory. \"Now they're showing the world and themselves: 'I'm strong, I can go spend US$5,000 for nothing, just my pleasure.'\" Other hot markets Other emerging markets to increase tourism spending abroad over the past decade include Russia, which saw an increase of 32 percent in 2012 to US$43 billion, bringing it from seventh to fifth place in the international tourism spending rankings. \"Emerging economies continue to lead growth in tourism demand,\" said UNWTO Secretary-General Taleb Rifai in a statement. \"The impressive growth of tourism expenditure from China and Russia reflects the entry into the tourism market of a growing middle class from these countries, which will surely continue to change the map of world tourism.\" Meanwhile, traditionally hot outbound tourism markets, usually growing at a slower pace, also posted positive results, says the report. Spending on travel abroad from Germany and the United States grew by 6% each. Spending from the UK grew by 4% and the country retained its fourth place spot in the list of major source markets. Expenditure by Canada grew by 7%, while both Australia and Japan grew by 3%. The only markets in the top 10 to record a decline in international tourism spending were France (down 6%) and Italy (minus 1%.) Top international tourism spenders in 2012 1. China -- US$102 billion 2. Germany -- US$83.8 billion 3. United States -- US$83.7 billion ______________________________________________________________________________________________________________________________________ 《英语报刊选读

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